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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money, She's on

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

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Speaker 2: the podcast for millennials who want financial freedom. Today, my friends,

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Speaker 2: it's Friday, which means it is time to get our

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Speaker 2: little team together and celebrate you our incredible She's on

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Speaker 2: the Money community. Today we're going to be sharing our

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Speaker 2: favorite money wins, or Miss Jess Gricci across the table

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Speaker 2: from me is sharing your favorite money ins. We'll be

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Speaker 2: helping to answer a juicy money dilemma, which this week

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Speaker 2: is all about how to improve your credit score, and

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Speaker 2: we're going to be unpacking something that you slid into

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Speaker 2: our dms about all about how to support your friend's

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Speaker 2: side hustle. So, guys, how has the week been?

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Speaker 3: Beck?

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Speaker 2: You're here? Have you had a good week? What have

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Speaker 2: you been up to?

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Speaker 4: I've had a really good week. The weather's beautiful and

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Speaker 4: I'll tell you what. I'm a little bit sleepy, but

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Speaker 4: like in a good.

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Speaker 2: Way, in a satisfying way, like in a summer sun,

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Speaker 2: like in a.

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Speaker 4: Summer sun, seeing mates, doing some going to the gym

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Speaker 4: once every bi annually and.

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Speaker 2: I feel good to the gym. No, I cannot relate

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Speaker 2: to that. Miss Jess Grici, how are you? How's your

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Speaker 2: week been? Are you exhausted as well? I feel like

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Speaker 2: you're going to be And I feel like as.

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Speaker 5: Well because this week's a short week for those in

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Speaker 5: VIC and maybe no, not yourself else but other stuff.

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Speaker 2: But it's definitely not in Queensland because you know what

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Speaker 2: I did on Monday? I had, oh my gosh, this

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Speaker 2: is so fancy. Get this. I had a speaking event

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Speaker 2: for Lareel. I love lare Matrix, their hair care brand. Anyway,

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Speaker 2: I went and I spoke to all of their salon

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Speaker 2: owners in Queensland. On Monday, and I booked it so

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Speaker 2: far out, so it was all booked and you know,

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Speaker 2: we'd organized it, and I was so excited about it,

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Speaker 2: and they've given us like their schedule and when you

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Speaker 2: book a speaking event, they'll be like, yep, it's on

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Speaker 2: you know, this Monday at this time, and you go, yep,

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Speaker 2: I can make that ten out of ten. So I

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Speaker 2: booked it in just super excited to be working for Laurel, Like,

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Speaker 2: that's so wild that I didn't see in my calendar

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Speaker 2: that it was a public No I had to fly

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Speaker 2: And this is not me complaining by any stretch. I

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Speaker 2: feel so privileeged. I met so many nice people, but

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Speaker 2: it meant that I had to fly up on Sunday

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Speaker 2: because the speaking event was for breakfast on the Monday.

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Speaker 2: And I was like cheers at the public holiday. Didn't

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Speaker 2: plan that one well in saying that by the time

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Speaker 2: I flew back to Melbourne and home, it was five pm.

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Speaker 2: And because it was a pubably holiday, there was no trip.

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Speaker 2: Oh that is very good. So that was a very

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Speaker 2: good money in. But I just feel like we have

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Speaker 2: been as a team go go for the last three weeks,

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Speaker 2: like we have just wrapped up our International Women's Day

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Speaker 2: events and I've never had more fun in my life. Like, oh,

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Speaker 2: it was the best Beck you got to come to

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Speaker 2: the Melbourne one. Yeah, it was so fun. Oh my gosh.

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Speaker 4: It was so nice, like meeting the community and actually

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Speaker 4: like talking to people. And I'm shocked by how many

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Speaker 4: people could recognize my face because I know that we're

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Speaker 4: purely audio.

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Speaker 2: There's also d been posting about you on the internet.

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Speaker 2: That's so nice. It's just so nice. It was a

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Speaker 2: really really fun, wholesome day. Yeah, Yess, did you have fun?

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Speaker 6: Ah?

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Speaker 2: I rage yes. I feel like we dragged Jess to

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Speaker 2: every state.

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Speaker 5: Loved it, great time. It was really I can't believe

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Speaker 5: how many people we went. We had over fifteen hundred

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Speaker 5: attendees across the states, which is an insane amount of people,

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Speaker 5: so many more people than last year. And just the

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Speaker 5: kindness and how open and lovely everybody was. You know,

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Speaker 5: people say to us, it's really strange to like see

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Speaker 5: us in person, because normally we're just devoicing, they ears.

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Speaker 5: But it goes the other way too, Like normally for us,

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Speaker 5: you're on the other side of a screen, like I'm

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Speaker 5: talking to on Instagram or victorious talking to you on

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Speaker 5: Facebook like whatever. It is so for us to be

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Speaker 5: able to hug you and talk to you. It's just

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Speaker 5: as exciting.

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Speaker 2: And we know, I don't know if that sounds creepy

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Speaker 2: because obviously the community is quite large, but like Jess

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Speaker 2: and I are obsessed with you guys, So like, if

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Speaker 2: you've been dming us, I'm really sorry, but we have

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Speaker 2: clicked on your profile picture, like we have seen your

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Speaker 2: bio if your profile was public, I've seen your cat,

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Speaker 2: I've sen your dog, like, and I feel like so

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Speaker 2: many people came up and they're like, oh, hi, like

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Speaker 2: so nice to meet you, and I was like, oh,

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Speaker 2: obviously you two. They're like, oh, my name's Anika, I

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Speaker 2: DM you. Sometimes I'm like, oh my god, yeah, how's

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Speaker 2: your dog? Yeah, like talking about the situation that we

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Speaker 2: might have been there, it's just so wholesome and it

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Speaker 2: feels like we're meeting all of our best friends, Like

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Speaker 2: it's something that I said to you our team. I

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Speaker 2: was like, this is going to be so important for

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Speaker 2: us moving forward because as a podcast, like right now,

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Speaker 2: there's four of us in the room, so there's just

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Speaker 2: there's Beck, there's myself, and there's the gorgeous and a

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Speaker 2: Lisa who keeps us on track, which we are wildly

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Speaker 2: off at the moment. But it's one of those things

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Speaker 2: where it really reignites our team's passion as well. Like

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Speaker 2: sometimes content creation can become really monotonous and like you go,

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Speaker 2: oh my god, what are we going to talk about

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Speaker 2: next week? Far Okay, something in the media is going

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Speaker 2: on about souper, let's talk about that. But just seeing

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Speaker 2: your faces having these gorgeous conversations, I feel like it

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Speaker 2: really motivates us and reignites that passion, even just for

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Speaker 2: us to go, oh my god, let's give those guys more,

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Speaker 2: Let's give them what they deserve. And it's just it's

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Speaker 2: my favorite thing in the entire world, getting to share

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Speaker 2: life with you guys. It's the best thing ever. I

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Speaker 2: can't believe it's my job. Let's move on before we

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Speaker 2: get there, though. At the end of the show, a

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Speaker 2: few of you in Melbourne might remember and Alisa floating around.

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Speaker 2: She is our gorgeous producer and she was getting like

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Speaker 2: little vox pops. She obviously had her recording gear there

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Speaker 2: and got some comments from you guys, and so we're

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Speaker 2: going to drop those at the end of this episode,

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Speaker 2: So if you want to hear from you, you're on

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Speaker 2: at the end of the EPP. Guys.

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Speaker 5: How exciting.

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Speaker 2: But let's move on because Jess, one of my favorite

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Speaker 2: parts of the week is talking about our community's money wins.

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Speaker 2: What have you round up for us?

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Speaker 5: Firstly this week, I have a money win from Meghan,

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Speaker 5: who said I got a thirty dollars rebate from our

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Speaker 5: council for putting in a compost bin. Every money win matters,

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Speaker 5: and we've just moved into our first home.

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Speaker 2: Oh, I'm going to check the council website. I was

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Speaker 2: just thinking that.

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Speaker 5: I was like, I don't have a compost bin. Do

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Speaker 5: I get money, Mack, because I would get a compost

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Speaker 5: bin and you would like money back because you're.

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Speaker 2: Jess exactly right.

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Speaker 5: So we'll be jumping on my local website to check

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Speaker 5: that out. My next money win comes from Chelsea, who said,

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Speaker 5: after hearing she's on the Money's advice about speaking to

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Speaker 5: a broker to find out what I should be doing

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Speaker 5: to afford a property. I was thinking I was a

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Speaker 5: few years away. I reached out and I just found

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Speaker 5: out that I'm basically ready house hunting.

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Speaker 2: Here I can That is literally my favorite thing ever sting.

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Speaker 2: So many people actually come in our doors Xella money

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Speaker 2: and they're like, yeah, cool, I just want to like

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Speaker 2: know where I'm at for the next twelve months and

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Speaker 2: with you know, some careful planning and maybe a subsidy

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Speaker 2: that you didn't realize you could access or a scheme

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Speaker 2: that exists. Often you're actually further ahead than you think

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Speaker 2: you are.

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Speaker 5: Quick intermission. The cooling in our studio is broken. We've

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Speaker 5: complained about this the last couple of weeks. And one's

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Speaker 5: literally like forty degrees in very very hot. It's very tasty.

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Speaker 5: But someone just brought us around some ice cream.

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Speaker 2: Yeah, on a little trolley like with what was it

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Speaker 2: like a speaker on the front. It's all decorated with Yeah,

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Speaker 2: I'm ever in the office for party days. I'm here.

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Speaker 2: I'm glad you got to see one. And yes, you

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Speaker 2: always post about the mor on Instagram and I'm always like,

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Speaker 2: excuse me, did this happen literally the second I left

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Speaker 2: the office, And you're always like, yes, it's literally to

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Speaker 2: celebrate your departure. But let's get back on the community

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Speaker 2: Money Wins train.

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Speaker 5: Keep eating though, please, oh we will, don't you worry

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Speaker 5: if you hear little nibble in the background, that's just me.

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Speaker 2: Sorry.

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Speaker 5: But My next money win comes from Ashley, who said

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Speaker 5: I just got a refund eighty dollars from Disney Plus.

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Speaker 5: I couldn't watch my favorite show. It just wouldn't play

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Speaker 5: contacted support and they couldn't fix the issue, so they

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Speaker 5: refunded me the rest of my yearly subscription that I

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Speaker 5: renewed in November.

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Speaker 2: Do you get to keep the subscription? I'm assuming she does.

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Speaker 2: I would assume so too. Oh sit, Wow, good customer service.

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Speaker 5: Would you give up your favorite show on Disney Plus

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Speaker 5: for a free year of Disney.

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Speaker 2: Plus so you can't like it?

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Speaker 7: Done?

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Speaker 5: You can't watch NCIS or like whatever your favorite show is?

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Speaker 2: Yeah, I would take it. Yeah, Tayler, Yeah interesting? Interesting,

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Speaker 2: I name a woman of many compromises.

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Speaker 5: Yeah, not much. She wouldn't do it for a free

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Speaker 5: year of Disney Plus. My next money win comes from Emily,

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Speaker 5: who said money win. I used the voucher for Alice

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Speaker 5: KT from the International Women's Day event, and because I

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Speaker 5: live in Queensland where lskd HQ is, I could select

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Speaker 5: Pick three pickup so I didn't have to pay for shipping.

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Speaker 5: She picked two items that totaled thirty dollars, so she

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Speaker 5: was zero dollars out of pocket.

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Speaker 2: Yeah, and that was amazing things with so I'm obsessed.

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Speaker 2: You guys already know that. I am so excited about

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Speaker 2: the International Women's Stay show bags, even though there's none left.

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Speaker 2: And one of the things that we were so particular

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Speaker 2: about when putting them together is I don't want your

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Speaker 2: ten percent off voucher for when I spend over one

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Speaker 2: hundred dollars, like, put that in the bin. So when

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Speaker 2: we were putting things together, we obviously only worked with

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Speaker 2: brands that you guys would be obsessed with and ones

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Speaker 2: that we already love. And you guys know that we

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Speaker 2: love LSKD. Yeah, user the code Victoria for ten percent off,

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Speaker 2: You're welcome. But also they put literal thirty dollars vouchers

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Speaker 2: into our gift bags this year with them spend. Is

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Speaker 2: that not super generous? Yeah? Yeah, it was actual sick

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Speaker 2: And obviously she didn't even have to pay postage. So

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Speaker 2: that's the best money when I've heard in my life.

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Speaker 2: That's amazing.

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Speaker 4: Do you guys get those nude wine vouchers or like

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Speaker 4: constantly I'm.

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Speaker 2: Already have to spend like one hundred and fifty dollars, Like,

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Speaker 2: just get in the bin. Stop trying to sell me

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Speaker 2: shitty wine. Stop it moving around long.

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Speaker 5: My next money win comes from Mariam, who said she

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Speaker 5: found out about Spotify Duo and now we're both able

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Speaker 5: to save four dollars a month each. Now someone else

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Speaker 5: said they found out about Spotify Student, which saves them

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Speaker 5: six dollars a week. So I feel like if you're

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Speaker 5: paying for Spotify, you shouldn't be paying full price. Because

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Speaker 5: there were so many wins this week from people about Spotify,

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Speaker 5: like I don't know if they've just done a new

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Speaker 5: has it.

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Speaker 2: Been like a campaign or something recently.

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Speaker 5: There were so many of them, so I thought I

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Speaker 5: would just mention it Spotify Student, Spotify Family, Spotify goodness

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Speaker 5: knows what.

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Speaker 2: Else not sponsored. But this is probably not ethical to say,

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Speaker 2: but I just give my friends the long game that too. Yeah,

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Speaker 2: that's fair. It's not very good. So when my husband

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Speaker 2: goes on a run, he'll always take his phone and

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Speaker 2: listen to music, right, And that often happens on a

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Speaker 2: Saturday or a Sunday morning when I'm at home, like

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Speaker 2: cleaning or something, and so that it's actually quite detrimental

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Speaker 2: because he'll kick me off Spotify, and I'll kick him

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Speaker 2: off Spotify, and then he'll kick me off Spotify. And

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Speaker 2: anyway works really well until you come into a situation

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Speaker 2: where you both want to use it at the same time.

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Speaker 2: It's like a fight to the death for the Spotify. Yeah, leadership. Well,

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Speaker 2: that's my last money win for the week. Guys, I

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Speaker 2: love that. All right, let's go to a really quick

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Speaker 2: break and on the flip side, we're going to talk

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Speaker 2: about how to improve your credit score, how quickly Jessic

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Speaker 2: Ricky can eat ice cream, and how to support your

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Speaker 2: friend's side hustle. So guys, do not go anywhere.

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Speaker 5: Oh rdy. Everybody, welcome back. Let's listen to this week's

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Speaker 5: money dilemma.

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Speaker 2: Shall we?

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Speaker 5: Hi? There?

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Speaker 2: Have you got a money dilemma you just can't solve?

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Speaker 2: The Sheese on the Money team is here to help.

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Speaker 2: Every week, we tackle your dilemmas, both big and small,

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Speaker 2: to answer your most burning money, career and life questions.

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Speaker 2: To get involved, simply head to our website and leave

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Speaker 2: us a short voice recording and you might just find

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Speaker 2: yourself on the show. Now, let's take a listen to

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Speaker 2: this week's money dilemma.

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Speaker 3: Hi, tiam, I just wanted to share my money dilemma.

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Speaker 3: To make a long story short, the last couple of years,

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Speaker 3: I made some irresponsible decisions with a credit card whilst

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Speaker 3: living overseas. Although I never considered myself super lavish, I

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Speaker 3: ended up with ten K debt, which I've since paid back,

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Speaker 3: but not before it went to collections. So now my

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Speaker 3: credit history is basically shot to pieces. So I wanted

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Speaker 3: to get some advice on how a regular person can

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Speaker 3: go about repairing their credit history or is this something

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Speaker 3: you just have to wait out until However many years pass,

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Speaker 3: I think it was four years that I read, but

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Speaker 3: I would love to know how to improve my credit

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Speaker 3: score after being in collections.

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Speaker 2: All those who have been personally victimized by credit card

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Speaker 2: debt after coming back from overseas, please.

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Speaker 5: Say I I I, You're not alone.

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Speaker 2: I feel like that's really important to point out, actually

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Speaker 2: just because it's not I don't know. I feel like

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Speaker 2: sometimes when you're listening to a money podcast, you carry

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Speaker 2: a lot of guilt because we are out here with

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Speaker 2: all the tips and tricks that you should be doing.

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Speaker 2: But whilst I'm good with money today, I haven't always

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Speaker 2: been good with money and tips and tricks like if

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Speaker 2: it's more of a do as I say, not as

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Speaker 2: I do kind of vibe, you know, so don't look

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Speaker 2: too deeply. First things. First I would say is please

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Speaker 2: don't google how to repair credit scores in Australia and

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Speaker 2: then click the first link that is sponsored that says

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Speaker 2: fix your credit today from Credit Clean Australia. Sneaky, so sneaky.

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Speaker 2: It's so fast and easy to get a credit file

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Speaker 2: assessment and then we will help you fix it. Don't

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Speaker 2: do that, you can do it on your own. Yeah,

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Speaker 2: like they'll charge you for that pleasure because work, No, babe,

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Speaker 2: read the room back. It's one of those things where

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Speaker 2: it does it work? The answer is actually yes, it

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Speaker 2: would absolutely work. But are they doing stuff that you

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Speaker 2: could already do and should already be doing for yourself. Yes,

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Speaker 2: they should be. And the first thing I want you

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Speaker 2: to do is if you don't know what your credit

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Speaker 2: score is, is you're going to go to a reliable

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Speaker 2: website to get your credit score done. So two of

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Speaker 2: the biggest ones are Equifax and Experience, and a more

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Speaker 2: user friendly option is actually, our friends are wiser and

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Speaker 2: we can put the link to that in the show notes,

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Speaker 2: because I think it's really important that we all know

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Speaker 2: our credit score. It's not a full blown credit inquiry

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Speaker 2: to go and get your credit score, and I recommend

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Speaker 2: that everybody goes and looks. And the reason I would

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Speaker 2: look is not because you're trying to get a loan

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Speaker 2: or not because you're like, oh, I worried about debt.

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Speaker 2: What we actually want to do is make sure that

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Speaker 2: it is relevant and actually our content, because sometimes if

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Speaker 2: we don't check our credit score, we don't know if

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Speaker 2: someone's using our identity fraudulently, if we, you know, had

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Speaker 2: someone muck up and you know, put a bill against

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Speaker 2: our name that wasn't ours and that's why it's not

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Speaker 2: been paid off and gone to collections. Or maybe your

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Speaker 2: telephone company forgot to send you a bill and you

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Speaker 2: know you've missed it and never paid it, and you

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Speaker 2: could actually amend that. So there's a lot of things

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Speaker 2: on there that you could actually fix. In a perfect world.

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Speaker 2: You look at your credit history, it comes back and

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Speaker 2: you tick every single box because you go, yep, no,

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Speaker 2: that makes sense. That was a credit inquiry for a

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Speaker 2: phone plan I took out. That was you know, a

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Speaker 2: loan I had, or that's my mortgage, or that's a

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Speaker 2: car inque, Like everything should on your credit score makes sense,

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Speaker 2: and if it doesn't, you need to talk to the

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Speaker 2: people who issued it to like start the process of

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Speaker 2: the what the hell right. But the next thing is

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Speaker 2: really understanding that in Australia your credit score is created

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Speaker 2: very differently to your credit score if you are American.

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Speaker 2: So if you're an American, you kind of like earn your

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Speaker 2: credit score by being in debt, like by getting credits.

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Speaker 2: So like a really recommended way in America is to

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Speaker 2: go and establish a credit card and pay it off regularly, right,

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Speaker 2: because you'll get a good credit score for paying that

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Speaker 2: credit That is not true in Australia. You do not

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Speaker 2: need a credit card to establish a good credit history.

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Speaker 2: What you need to do, my friends, is stay out

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Speaker 2: of debt. And while that is a really not great situation,

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Speaker 2: it's gone to collections that really sucks. You're right, it's

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Speaker 2: going to take two years to come off your credit history.

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Speaker 2: But in the interim, a few things that you can

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Speaker 2: do to you know, improve your credit score would be

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Speaker 2: if you have a credit card, lowering a credit limit

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Speaker 2: on that will usually instantly increase your credit score because

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Speaker 2: the less debt that you have access to, the more

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Speaker 2: reliable you are. You can limit the amount of applications

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Speaker 2: that you make for credit, so I wouldn't be going

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Speaker 2: and applying for new credit cards. One credit card is

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Speaker 2: not going to solve the issue of the last one

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Speaker 2: unless there's an actual strategy at play, in which case

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Speaker 2: you would already know that making sure that you're paying

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Speaker 2: your rent and your mortgage and your bills on time

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Speaker 2: is essential because here in Australia, that's how we get

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Speaker 2: a good credit score is by making sure that we

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Speaker 2: don't have things that go to collections or we don't

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Speaker 2: have bills that lapse or get late fees. So late

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Speaker 2: fees and stuff like that will negatively impact your credit score.

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Speaker 2: If it's directly through your energy supplier, well that's usually,

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Speaker 2: to be honest, pretty fine. They're just increasing your bill

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Speaker 2: because you didn't pay on time and they're seeing dollar

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Speaker 2: bills in their eyes. But if it goes to an

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Speaker 2: external third party, that can be an issue. Obviously, utility

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Speaker 2: bills and stuff like that, all of it on time.

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Speaker 2: And then if you do have a credit card and

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Speaker 2: that's something that you still rely on and you need

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Speaker 2: you need to make sure that you pay that credit

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Speaker 2: card on time each month, and obviously if you can

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Speaker 2: pay it in full or make sure you're paying more

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Speaker 2: than the minimum repayments, and that can actually help contribute

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Speaker 2: to a higher credit score. So if the minimum payment

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Speaker 2: on your credit card's fifty two dollars, how much over

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Speaker 2: that can you afford? It might not be triple that's fine,

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Speaker 2: but it might be a few dollars. Going above the

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Speaker 2: minimum repayment can have a really positive impact on your

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Speaker 2: credit score, which I don't think a lot of people

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Speaker 2: know that would just go but I paid it like

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Speaker 2: they sent me a bill. Yeah, they sent you a

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Speaker 2: bill for the absolute minimum to get by, So we

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Speaker 2: need to actually go above and beyond that. Not only

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Speaker 2: will that help your credit score, but it will actually

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Speaker 2: help you get out of debt quicker, and that's what

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Speaker 2: we want to see anyway.

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Speaker 5: Yeah, that's a big win. And we've done two episodes

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Speaker 5: on credit scores in the past, so if you want

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Speaker 5: a bit more information on what that could look like,

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Speaker 5: head back. We've done one called a Deep Dive on

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Speaker 5: credit scores and one called keeping your Credit Score.

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Speaker 2: In Check, which you might find helpful. That was a

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Speaker 2: good question though, vickid, Yeah, because I ask one question

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Speaker 2: before we move on BB Yes, so obviously, you know,

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Speaker 2: my credit score is really really bad. It's like in

400
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Speaker 2: the one or two hundred's. That's like, right, I still

401
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Speaker 2: got a credit score that's sexy. Yeah, yeah nice.

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Speaker 4: The people out there don't have because it's so many.

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Speaker 2: It can go, yeah, it can go. It can't go negative,

404
00:18:22,000 --> 00:18:23,840
Speaker 2: but it could be like real close to zero. So

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Speaker 2: I mean having your three figure credit score get going?

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Speaker 4: Okay, and it feel so bad, but so basically right now,

407
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Speaker 4: because I obviously can't get a credit card or anything.

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Speaker 4: So do I just literally stay off the grid for

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Speaker 4: however many years and then or just gradually get better

410
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Speaker 4: on its own? Do I just do nothing?

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Speaker 2: Pay your stuff on time? You're not off the grid.

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Speaker 2: So just because you don't have a credit card does

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Speaker 2: not get you out of the loop. You have rent

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Speaker 2: to pay yet, Yes, you have any type of bill? Yes,

415
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Speaker 2: so your name is on a bill. Yeah, so if

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Speaker 2: you didn't pay that bill and it went to collections,

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Speaker 2: that would negatively impact your credit score? Yes, oh yes, yeah,

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Speaker 2: so paying it positively impacts your credits? Okay, So I

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Speaker 2: think that's the biggest misconception when it comes to your

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Speaker 2: credit score. You assume that to have a good credit score,

421
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Speaker 2: it means you need to have credit. Just having a

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Speaker 2: bill coming in and consistently paying it is going to

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Speaker 2: be brilliant for you. Okay, doesn't mean that you can

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Speaker 2: go get a credit card tomorrow, but it means that

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Speaker 2: we can work back up to having a good credit score,

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Speaker 2: which is going to enable us more financial freedom in

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Speaker 2: the future. So it's not something I want you to

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Speaker 2: stress over today, but it's one of those things that

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Speaker 2: I genuinely think that we are a bit misconstrued because

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Speaker 2: we're so aligned to Oh, well, in America, you need

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00:19:38,920 --> 00:19:42,120
Speaker 2: to xize it. And I mean every article about it

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Speaker 2: is often based on the American way of living, and

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Speaker 2: that's just not how it is in Australia. So you

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Speaker 2: are not off the grid regardless of whether you have

435
00:19:50,520 --> 00:19:51,600
Speaker 2: a credit line or not.

436
00:19:51,760 --> 00:19:55,480
Speaker 4: Well, it's actually mind blowing. I really was believing that

437
00:19:55,560 --> 00:19:58,800
Speaker 4: the American credit score system was the one that we

438
00:19:58,920 --> 00:19:59,480
Speaker 4: used as well.

439
00:20:00,080 --> 00:20:02,600
Speaker 2: It's actually very different. And I think it's a good

440
00:20:02,720 --> 00:20:05,640
Speaker 2: question as well, because it really reiterates that just by

441
00:20:05,680 --> 00:20:07,680
Speaker 2: doing good and being good and paying your bills on

442
00:20:07,760 --> 00:20:11,240
Speaker 2: time is actually really contributing towards you having a good

443
00:20:11,280 --> 00:20:15,080
Speaker 2: and secure financial future. And I hate the idea because

444
00:20:15,240 --> 00:20:17,480
Speaker 2: how many times we heard it on the pod before Jess,

445
00:20:17,560 --> 00:20:19,840
Speaker 2: or in our community where people are like, oh, when

446
00:20:19,840 --> 00:20:21,560
Speaker 2: I turned eighteen, my dad told me to get a

447
00:20:21,560 --> 00:20:23,800
Speaker 2: credit card because it will build my credit and it's like,

448
00:20:23,920 --> 00:20:29,960
Speaker 2: thank you, bro science, Yeah, bro science. Let's move on

449
00:20:30,080 --> 00:20:30,879
Speaker 2: from that though.

450
00:20:31,040 --> 00:20:33,560
Speaker 5: If you speaking about helping out ourselves, but what about

451
00:20:33,560 --> 00:20:36,520
Speaker 5: helping out our friends, specifically with small businesses.

452
00:20:36,600 --> 00:20:41,400
Speaker 2: Oh that was a segue of dreams. I am always

453
00:20:41,400 --> 00:20:44,119
Speaker 2: impressed with you. So this week one of you slid

454
00:20:44,160 --> 00:20:47,600
Speaker 2: into our DMS and the second I saw this question,

455
00:20:47,800 --> 00:20:49,639
Speaker 2: I was like, Jess is going to love this. This

456
00:20:49,760 --> 00:20:53,399
Speaker 2: is so spicy. Becky's going to have opinions. So we

457
00:20:53,520 --> 00:20:55,959
Speaker 2: put it on the Instagram stories. You guys gave us

458
00:20:56,000 --> 00:20:59,280
Speaker 2: your opinions, but the call out was this. It said, Hey, guys,

459
00:20:59,400 --> 00:21:01,760
Speaker 2: I'm face a dilemma all in capital that is, so

460
00:21:01,800 --> 00:21:03,960
Speaker 2: it must be a really big dilemma. I have a

461
00:21:03,960 --> 00:21:06,440
Speaker 2: close girlfriend who runs her own business, and I really

462
00:21:06,480 --> 00:21:09,840
Speaker 2: admire and support her. However, when I ordered something that

463
00:21:09,960 --> 00:21:13,040
Speaker 2: was handmade from her came back not at all how

464
00:21:13,080 --> 00:21:16,520
Speaker 2: I wanted it. I spent one hundred and twenty dollars

465
00:21:16,520 --> 00:21:19,959
Speaker 2: on it, and I'm currently facing a head versus heart battle.

466
00:21:20,520 --> 00:21:22,560
Speaker 2: On one hand, I just want to support her and

467
00:21:22,600 --> 00:21:24,879
Speaker 2: I don't want her to feel deflated. But on the

468
00:21:24,920 --> 00:21:27,560
Speaker 2: other hand, one hundred and twenty bucks was a bit

469
00:21:27,600 --> 00:21:29,480
Speaker 2: of a splash for me, and I either want my

470
00:21:29,560 --> 00:21:32,760
Speaker 2: money back or just what I ordered. I hope this

471
00:21:32,840 --> 00:21:35,840
Speaker 2: makes sense. I'm really keen to hear your thoughts. Oh

472
00:21:36,160 --> 00:21:41,119
Speaker 2: that's a really tricky one. What did you do?

473
00:21:41,280 --> 00:21:42,760
Speaker 4: Well, I don't know, Like I want first of all,

474
00:21:42,760 --> 00:21:44,000
Speaker 4: I want to know what the product is.

475
00:21:44,040 --> 00:21:46,760
Speaker 5: I want to say it's I totally get the need

476
00:21:46,800 --> 00:21:50,880
Speaker 5: for anonymity, but also I feel like context is key. Yes, yeah,

477
00:21:50,960 --> 00:21:53,439
Speaker 5: we yeah that yeah, because you need to know, like

478
00:21:53,800 --> 00:21:56,879
Speaker 5: if it's something that will cost so much money to redo,

479
00:21:57,119 --> 00:21:59,040
Speaker 5: or if it's something that would take a little bit

480
00:21:59,080 --> 00:22:01,000
Speaker 5: of time but probably not much money, Like we need

481
00:22:01,040 --> 00:22:02,840
Speaker 5: to know that kind of thing, like can she redo

482
00:22:02,880 --> 00:22:05,680
Speaker 5: the one that you have? Like if you painting, can

483
00:22:05,720 --> 00:22:07,800
Speaker 5: she paint over the painting and change it? Or like

484
00:22:08,480 --> 00:22:10,439
Speaker 5: is she going to be out for new materials and

485
00:22:10,520 --> 00:22:13,320
Speaker 5: new whatever is a piece of is it like pottery?

486
00:22:13,520 --> 00:22:16,960
Speaker 2: Proper nose? Before we dive deeper into this, though, can

487
00:22:17,000 --> 00:22:18,920
Speaker 2: I just give a little bit of kudos to this

488
00:22:18,960 --> 00:22:22,280
Speaker 2: friend for paying full price for something that her friend makes,

489
00:22:22,800 --> 00:22:25,159
Speaker 2: because I love to see that, and I think that

490
00:22:25,240 --> 00:22:28,520
Speaker 2: if your friend has a business, the most disrespectful thing

491
00:22:28,560 --> 00:22:30,080
Speaker 2: you can do is be like, oh my god, I'm

492
00:22:30,119 --> 00:22:33,080
Speaker 2: friends with you. Can I have a discount? But I'm sorry,

493
00:22:33,640 --> 00:22:36,600
Speaker 2: it's just not appropriate from my perspective, if your friend

494
00:22:36,640 --> 00:22:39,359
Speaker 2: gives you a discount unsolicited and says, oh my gosh, like,

495
00:22:39,440 --> 00:22:41,879
Speaker 2: of course you can have it for this, like I

496
00:22:41,880 --> 00:22:44,879
Speaker 2: don't know, different story, yeah, but like if your friend

497
00:22:45,160 --> 00:22:48,439
Speaker 2: is working hard to hustle themselves all the way to

498
00:22:48,520 --> 00:22:51,560
Speaker 2: the top, like why should you get it cheaper?

499
00:22:51,920 --> 00:22:54,560
Speaker 5: And she really cares about her friend because she's having

500
00:22:54,560 --> 00:22:56,000
Speaker 5: this delance, So kudos to that.

501
00:22:56,080 --> 00:22:59,399
Speaker 2: I absolutely love it, really smart, but also I feel

502
00:22:59,400 --> 00:23:01,679
Speaker 2: like it's too who sided right? Just what would you do?

503
00:23:02,960 --> 00:23:06,280
Speaker 5: I feel like I would talk to her, and you know,

504
00:23:06,320 --> 00:23:08,800
Speaker 5: you've got to be really delicate about how you approach it.

505
00:23:08,840 --> 00:23:12,240
Speaker 5: But I think, like the twofold, firstly, you've invested a

506
00:23:12,240 --> 00:23:14,000
Speaker 5: lot of money, and so if it wasn't your friend,

507
00:23:14,440 --> 00:23:16,119
Speaker 5: you'd be going back and saying, hey, it's kind of

508
00:23:16,160 --> 00:23:18,280
Speaker 5: what I stand for. So I don't think it is

509
00:23:18,400 --> 00:23:20,920
Speaker 5: unreasonable to do that. And I think the flip side

510
00:23:20,920 --> 00:23:24,280
Speaker 5: of it is if your item didn't come as expected,

511
00:23:24,320 --> 00:23:26,480
Speaker 5: there's a good chance that the same thing will happen

512
00:23:26,640 --> 00:23:30,159
Speaker 5: to somebody customers who may not be as considerate or

513
00:23:30,200 --> 00:23:32,480
Speaker 5: as kind. So I think if you can approach it

514
00:23:32,520 --> 00:23:35,040
Speaker 5: with her gently and just say, hey, oh, I was

515
00:23:35,160 --> 00:23:37,840
Speaker 5: really excited because in the photo it was pink and blue,

516
00:23:37,880 --> 00:23:40,560
Speaker 5: but the one I got is orange or whatever it is,

517
00:23:40,920 --> 00:23:43,600
Speaker 5: pointing out and be specific, because I think.

518
00:23:43,400 --> 00:23:46,240
Speaker 2: You don't just say it wasn't what I expected. Can

519
00:23:46,280 --> 00:23:48,120
Speaker 2: you fix it? Like that's still one helpful Yeah.

520
00:23:48,119 --> 00:23:51,160
Speaker 5: I think if you're specific, you can point out exactly

521
00:23:51,160 --> 00:23:54,120
Speaker 5: the detail that you don't love, and that gives her

522
00:23:54,160 --> 00:23:56,679
Speaker 5: something that she can clearly action and fix.

523
00:23:56,800 --> 00:23:57,320
Speaker 2: Yeah, agreed.

524
00:23:57,440 --> 00:23:59,479
Speaker 5: It's positive feedback for her to take forward for her

525
00:23:59,560 --> 00:24:02,240
Speaker 5: future orders. And also it's a little bit less personal,

526
00:24:02,320 --> 00:24:04,080
Speaker 5: like you're not saying, oh, it's shit, I don't like it.

527
00:24:04,119 --> 00:24:06,840
Speaker 5: You're like, oh, I just really wanted this color or

528
00:24:06,880 --> 00:24:09,320
Speaker 5: this shape or this size or whatever the problem is.

529
00:24:10,119 --> 00:24:12,239
Speaker 2: I couldn't agree more with that, I think that is

530
00:24:12,480 --> 00:24:15,399
Speaker 2: nail on the head. I also think to add to that,

531
00:24:16,160 --> 00:24:18,680
Speaker 2: I think your friend deserves the feedback. I agree if

532
00:24:18,720 --> 00:24:22,240
Speaker 2: you are a genuinely supportive friend of their business, just

533
00:24:22,320 --> 00:24:25,560
Speaker 2: letting it lie and somebody else, like the general public

534
00:24:25,640 --> 00:24:28,680
Speaker 2: coming back is going to be worse for her because

535
00:24:28,680 --> 00:24:31,480
Speaker 2: we've seen it before where people blow up online or

536
00:24:31,480 --> 00:24:34,520
Speaker 2: post it on Instagram, or you know, do something that's

537
00:24:34,560 --> 00:24:37,080
Speaker 2: maybe not the kindest way to deliver feedback, and you

538
00:24:37,160 --> 00:24:40,600
Speaker 2: have this great opportunity to go, hey, back, this is

539
00:24:40,600 --> 00:24:43,800
Speaker 2: so awkward for me, and I've really been wondering how

540
00:24:43,840 --> 00:24:45,440
Speaker 2: to approach it and to be honest. I just think

541
00:24:45,440 --> 00:24:48,280
Speaker 2: honesty is the best policy. This isn't what I expected.

542
00:24:48,400 --> 00:24:51,800
Speaker 2: You know, it was green and I wanted orange, and

543
00:24:52,040 --> 00:24:54,160
Speaker 2: you know, I don't know where the communication went wrong,

544
00:24:54,280 --> 00:24:57,119
Speaker 2: or you know, maybe there's been a material change, like

545
00:24:57,160 --> 00:24:59,640
Speaker 2: they've been making this one thing out of a particular

546
00:24:59,680 --> 00:25:01,960
Speaker 2: material for a really long time, Like it's you know,

547
00:25:02,000 --> 00:25:03,920
Speaker 2: a photo frame and you know it's wood and it's

548
00:25:03,960 --> 00:25:07,000
Speaker 2: just changed to like plastic that looks like wood, or

549
00:25:07,080 --> 00:25:09,480
Speaker 2: it's just it's not the quality that you know you

550
00:25:09,600 --> 00:25:12,280
Speaker 2: used to have, or it's not what I expected. I

551
00:25:12,320 --> 00:25:15,440
Speaker 2: think that can actually be really powerful. But I think

552
00:25:15,720 --> 00:25:18,320
Speaker 2: as a friend, obviously you're worried about it. But I

553
00:25:18,320 --> 00:25:21,399
Speaker 2: think even just prefacing, like Hey, I hope you know

554
00:25:21,560 --> 00:25:23,399
Speaker 2: that what I'm about to say is coming from a

555
00:25:23,440 --> 00:25:25,800
Speaker 2: place of kindness. I'm not trying to be a dick,

556
00:25:26,160 --> 00:25:29,520
Speaker 2: I promise. I think people get the I don't know

557
00:25:29,600 --> 00:25:32,439
Speaker 2: sometimes from my perspective, We've talked about this on the

558
00:25:32,480 --> 00:25:34,560
Speaker 2: pod before, where it's kind of like get your money's

559
00:25:34,560 --> 00:25:36,520
Speaker 2: worth and do this and do that. I also think

560
00:25:36,920 --> 00:25:40,480
Speaker 2: that the type of personality I have is the type

561
00:25:40,520 --> 00:25:43,399
Speaker 2: where I really need to preface something to make me

562
00:25:43,560 --> 00:25:46,080
Speaker 2: comfortable with that situation too. Like it's like when I'm

563
00:25:46,119 --> 00:25:48,760
Speaker 2: giving feedback or when I'm locking in a meeting with you, Jess,

564
00:25:48,760 --> 00:25:50,440
Speaker 2: I have to be like, hey, can we have a meeting.

565
00:25:50,440 --> 00:25:52,720
Speaker 2: Don't worry, it's a good thing. Like I just want

566
00:25:52,760 --> 00:25:54,919
Speaker 2: to make sure that you're not anxious about this. I

567
00:25:54,960 --> 00:25:57,720
Speaker 2: want to make sure that you're comfortable. And do I

568
00:25:57,800 --> 00:25:59,840
Speaker 2: need to do that? Do you need to know? Absolutely not.

569
00:26:00,119 --> 00:26:02,359
Speaker 2: But it makes me more comfortable with that, And I

570
00:26:02,400 --> 00:26:06,840
Speaker 2: think by saying that that might help you in those conversations.

571
00:26:07,200 --> 00:26:09,280
Speaker 2: We asked a few questions on our stories though, and

572
00:26:09,320 --> 00:26:11,840
Speaker 2: there seems to be a bit of a thing, right,

573
00:26:11,920 --> 00:26:13,800
Speaker 2: So we asked, do you have a close friend who

574
00:26:13,880 --> 00:26:16,480
Speaker 2: runs their own business slash side hustle? We love to

575
00:26:16,520 --> 00:26:19,400
Speaker 2: see this. Sixty two percent of you said yes, Wow,

576
00:26:19,680 --> 00:26:23,080
Speaker 2: isn't that cool? Yeah, she's in the money community, like, oh,

577
00:26:23,280 --> 00:26:26,159
Speaker 2: love it. Then we said, have you ever purchased something

578
00:26:26,200 --> 00:26:29,000
Speaker 2: from a friend that has a small business? Forty eight

579
00:26:29,040 --> 00:26:33,280
Speaker 2: percent of you said absolutely, fourteen percent of you said no,

580
00:26:33,720 --> 00:26:36,000
Speaker 2: and thirty eight percent of you hit the button. I

581
00:26:36,040 --> 00:26:38,480
Speaker 2: just want to press a button. So cheers for that vice.

582
00:26:38,720 --> 00:26:41,080
Speaker 2: But we felt it was important to add that because obviously,

583
00:26:41,240 --> 00:26:42,919
Speaker 2: if you just wanted to see the results, you might

584
00:26:42,960 --> 00:26:46,440
Speaker 2: have fake voted yeah, right, yes, it's good to see

585
00:26:46,440 --> 00:26:48,359
Speaker 2: that forty eight percent of you have done that. I

586
00:26:48,359 --> 00:26:50,800
Speaker 2: don't actually think that there should be an obligation to

587
00:26:50,840 --> 00:26:53,399
Speaker 2: purchase things from your friend's business either. I know that

588
00:26:53,560 --> 00:26:56,720
Speaker 2: supporting your friend is great, and you know, resharing their

589
00:26:56,760 --> 00:27:00,439
Speaker 2: business posts and you know, always commenting on things and

590
00:27:00,480 --> 00:27:03,960
Speaker 2: showering them with love and supporting every achievement they have

591
00:27:04,560 --> 00:27:07,560
Speaker 2: is what we should all be doing. But if it's

592
00:27:07,600 --> 00:27:09,720
Speaker 2: not a product you're going to use, I genuinely don't

593
00:27:09,720 --> 00:27:11,879
Speaker 2: think you should have an obligation to buy it. I agree.

594
00:27:12,000 --> 00:27:13,679
Speaker 2: I think a lot of the time we feel the

595
00:27:13,760 --> 00:27:16,120
Speaker 2: need to, though I've been there. I totally have been there.

596
00:27:16,600 --> 00:27:18,480
Speaker 2: So of the people we asked, have you ever purchased

597
00:27:18,480 --> 00:27:21,560
Speaker 2: an item from a friend, we asked what was your

598
00:27:21,600 --> 00:27:25,919
Speaker 2: sole motive behind purchasing that product? Two percent of you,

599
00:27:26,200 --> 00:27:27,720
Speaker 2: and this is why I'm saying, you don't have to

600
00:27:27,760 --> 00:27:29,679
Speaker 2: do this. Two percent of you said, arts because I

601
00:27:29,680 --> 00:27:34,399
Speaker 2: love the product, five percent of you said because I

602
00:27:34,440 --> 00:27:37,879
Speaker 2: really wanted to support my friends lovely, twenty five percent

603
00:27:37,880 --> 00:27:40,560
Speaker 2: of you said both of the above, and then thirty

604
00:27:40,560 --> 00:27:41,920
Speaker 2: seven percent of you said, do you want to to

605
00:27:41,960 --> 00:27:43,119
Speaker 2: press a button? Yeah?

606
00:27:43,600 --> 00:27:45,480
Speaker 5: I get it though, because like when you have a

607
00:27:45,480 --> 00:27:47,679
Speaker 5: friends startup business and you want to be supportive, and

608
00:27:47,720 --> 00:27:50,560
Speaker 5: you kind of go, well, if you're starting fresh from

609
00:27:50,560 --> 00:27:54,000
Speaker 5: ground zero, you've got no custodomers, Like unless you've built

610
00:27:54,080 --> 00:27:55,879
Speaker 5: up a following or you've got an Instagram page, you

611
00:27:55,880 --> 00:28:01,760
Speaker 5: know they're starting with literally shit all the share there, Like,

612
00:28:01,800 --> 00:28:02,960
Speaker 5: there is a lot, as you said, there are a

613
00:28:03,040 --> 00:28:04,760
Speaker 5: lot of other things that you can do if you're

614
00:28:04,840 --> 00:28:07,719
Speaker 5: not in a financial position to support them. But I

615
00:28:07,800 --> 00:28:10,960
Speaker 5: totally get the oh, I'll be your first order, or oh,

616
00:28:11,000 --> 00:28:12,600
Speaker 5: I want them to have a good week, so I'm

617
00:28:12,640 --> 00:28:15,159
Speaker 5: going to put one in Like. It's lovely that people

618
00:28:15,200 --> 00:28:16,600
Speaker 5: want to support their friends so much.

619
00:28:16,680 --> 00:28:20,080
Speaker 2: I'm that friend. But also we are headed towards a recession,

620
00:28:20,200 --> 00:28:22,600
Speaker 2: and I don't want people to feel stressed about money,

621
00:28:22,720 --> 00:28:24,919
Speaker 2: especially when it comes to supporting a friend's business. You

622
00:28:24,920 --> 00:28:28,680
Speaker 2: can do that. To be honest, in the long term,

623
00:28:28,720 --> 00:28:31,479
Speaker 2: just buying from them is not nearly as powerful as

624
00:28:31,520 --> 00:28:34,080
Speaker 2: sharing them with your community or positively advocating for them

625
00:28:34,160 --> 00:28:36,200
Speaker 2: or giving them a Google review or something like that

626
00:28:36,200 --> 00:28:38,720
Speaker 2: can actually build business for them in the future for

627
00:28:38,800 --> 00:28:42,040
Speaker 2: recurrent orders, whereas you just ordering it once off might

628
00:28:42,160 --> 00:28:45,200
Speaker 2: feel really special, but it's not nearly as powerful. Yes,

629
00:28:45,840 --> 00:28:49,200
Speaker 2: we asked our community in this situation, what would you do?

630
00:28:49,800 --> 00:28:52,040
Speaker 2: Thirty percent of you said I would give her the feedback.

631
00:28:52,760 --> 00:28:54,719
Speaker 2: Twenty three percent of you said I'd just feel too

632
00:28:54,760 --> 00:28:55,920
Speaker 2: bad and I wouldn't do that.

633
00:28:56,240 --> 00:28:56,520
Speaker 5: Yeah.

634
00:28:56,600 --> 00:28:59,400
Speaker 2: Another thirty three percent of you said it really depends

635
00:28:59,400 --> 00:29:02,360
Speaker 2: on the circumstanceays A fourteen percent of you said do

636
00:29:02,360 --> 00:29:03,200
Speaker 2: you want to press a button?

637
00:29:03,480 --> 00:29:03,680
Speaker 5: Yeah?

638
00:29:03,800 --> 00:29:06,880
Speaker 2: Of that, some of the opinions were really nice. They said,

639
00:29:06,920 --> 00:29:08,960
Speaker 2: I'd flag it with her in the nicest way possible.

640
00:29:09,040 --> 00:29:11,960
Speaker 2: I love her. Someone said I wouldn't say it, but

641
00:29:12,000 --> 00:29:14,560
Speaker 2: I just wouldn't buy it again, which I get it,

642
00:29:14,600 --> 00:29:19,720
Speaker 2: But is that constructive not helping anybody? Someone said, serve

643
00:29:19,760 --> 00:29:22,800
Speaker 2: it as a feedback sandwich emerge. I love a feedback.

644
00:29:22,840 --> 00:29:25,520
Speaker 2: Should we step it back to management one O one

645
00:29:25,520 --> 00:29:28,320
Speaker 2: in twenty ten? Or like a feedback sandwich is where

646
00:29:28,320 --> 00:29:30,480
Speaker 2: you give a positive thing, a negative thing a positive

647
00:29:30,480 --> 00:29:32,640
Speaker 2: thing and use, like sandwich it all together to make

648
00:29:32,680 --> 00:29:35,200
Speaker 2: it feel better. I agree. Someone said I really love

649
00:29:35,240 --> 00:29:37,880
Speaker 2: your I need to press a button response You're welcome.

650
00:29:38,120 --> 00:29:40,680
Speaker 2: Someone said, look for your friend to be successful in

651
00:29:40,720 --> 00:29:43,120
Speaker 2: her business, she needs to know the feedback so she

652
00:29:43,160 --> 00:29:46,440
Speaker 2: can improve. And I feel like all of these comments

653
00:29:46,480 --> 00:29:48,840
Speaker 2: were really aligned to the conversation we've had, so we're

654
00:29:48,840 --> 00:29:51,680
Speaker 2: clearly as a community all on the same page. But

655
00:29:51,840 --> 00:29:54,960
Speaker 2: tl DR, you want to help your friend in business,

656
00:29:55,080 --> 00:29:57,440
Speaker 2: You want them to do the best they possibly can,

657
00:29:57,840 --> 00:30:00,600
Speaker 2: and they think that that feedback no matter how hard

658
00:30:00,640 --> 00:30:03,320
Speaker 2: it is, I mean, approach it with kindness. And if

659
00:30:03,360 --> 00:30:06,440
Speaker 2: your friend is having a really shitty week, not the week,

660
00:30:06,520 --> 00:30:09,360
Speaker 2: probably not the week, use your brain. But I think

661
00:30:09,400 --> 00:30:11,880
Speaker 2: that it can be one of the better things. And

662
00:30:11,920 --> 00:30:15,040
Speaker 2: I mean I've had it before. I've had people approach

663
00:30:15,120 --> 00:30:16,880
Speaker 2: me about She's on the Money when I was starting

664
00:30:16,880 --> 00:30:18,440
Speaker 2: and be like, oh, hey, the way you said this

665
00:30:18,600 --> 00:30:21,760
Speaker 2: probably didn't land the way you thought it did. I

666
00:30:21,920 --> 00:30:25,320
Speaker 2: hate hearing it, but I love getting the feedback because

667
00:30:25,320 --> 00:30:27,600
Speaker 2: I know that if one of my friends saw that,

668
00:30:27,760 --> 00:30:29,920
Speaker 2: somebody I don't know is feeling that and wouldn't ever

669
00:30:29,960 --> 00:30:32,720
Speaker 2: approach me about it, and it's really not helping us grow.

670
00:30:32,720 --> 00:30:34,880
Speaker 2: It's not helping us be the best version of us.

671
00:30:35,200 --> 00:30:38,360
Speaker 2: So I love feedback, as much as sometimes it can

672
00:30:38,440 --> 00:30:42,640
Speaker 2: feel really bad. If it's constructive, I'm always so happy

673
00:30:42,640 --> 00:30:44,160
Speaker 2: to take it on. So I hope that you do

674
00:30:44,240 --> 00:30:46,800
Speaker 2: give her the feedback in yeah, the kindest way possible,

675
00:30:46,840 --> 00:30:47,240
Speaker 2: my friend.

676
00:30:47,440 --> 00:30:49,480
Speaker 5: Yeah, be gentle and don't forget if you want to

677
00:30:49,520 --> 00:30:52,200
Speaker 5: participate in those conversations. If you want to button to press,

678
00:30:52,280 --> 00:30:54,320
Speaker 5: come follow us on Instagram. We're at Cheese on the

679
00:30:54,320 --> 00:30:57,400
Speaker 5: Money AUS. We do these every single week. And if

680
00:30:57,400 --> 00:31:00,440
Speaker 5: Instagram's don't think Facebook, we love a good comment station.

681
00:31:00,760 --> 00:31:07,240
Speaker 2: On guys here twenty three thousand followers on TikTok are

682
00:31:07,240 --> 00:31:09,760
Speaker 2: we the biggest account on TikTok. No, do we have

683
00:31:09,840 --> 00:31:10,720
Speaker 2: the biggest ego?

684
00:31:10,960 --> 00:31:11,240
Speaker 8: Yes?

685
00:31:11,360 --> 00:31:14,160
Speaker 2: Yeah, maybe, yeah, No we do. It's not me, it's Brooke.

686
00:31:14,960 --> 00:31:16,760
Speaker 2: I hope she doesn't listened to the podcast. Wait, she

687
00:31:16,800 --> 00:31:19,120
Speaker 2: listens to every podcast because she's the one that does

688
00:31:19,160 --> 00:31:21,280
Speaker 2: the podcast video. She's going to cut that clip and

689
00:31:21,280 --> 00:31:23,600
Speaker 2: put on TikTok and do you dirty? Well, you know,

690
00:31:23,800 --> 00:31:25,560
Speaker 2: you get what you get and you don't get upset.

691
00:31:25,600 --> 00:31:28,400
Speaker 2: I gave her leave to go to Thailand and hopefully

692
00:31:28,440 --> 00:31:31,360
Speaker 2: she'll miss justice. Guys, that is all we have time

693
00:31:31,360 --> 00:31:35,000
Speaker 2: for in person today. Anna Lisa, our beautiful producer, is

694
00:31:35,040 --> 00:31:38,560
Speaker 2: about to drop in here some highlights from our Melbourne

695
00:31:38,560 --> 00:31:41,479
Speaker 2: International Women's Day event, so stick around for that, but

696
00:31:41,640 --> 00:31:44,760
Speaker 2: we will see you next week. Have a good weekend, guys.

697
00:31:44,800 --> 00:31:48,640
Speaker 4: Bye guys, Bye.

698
00:31:49,760 --> 00:31:53,280
Speaker 2: Happy International Women's Day. I'm good.

699
00:31:53,560 --> 00:31:57,680
Speaker 5: I feel high vib like it's the excitement and the

700
00:31:57,720 --> 00:32:00,840
Speaker 5: adrenaline and everyone's just so lovely and having the best time,

701
00:32:01,000 --> 00:32:03,680
Speaker 5: and I feel like International Women's Day is such a

702
00:32:03,720 --> 00:32:06,480
Speaker 5: special day. Like I cried during the speeches, of course

703
00:32:06,560 --> 00:32:09,520
Speaker 5: because I am that person, but everyone is just so

704
00:32:09,840 --> 00:32:14,320
Speaker 5: open hearted and warm and lovely that it's my favorite day.

705
00:32:14,320 --> 00:32:18,440
Speaker 2: Honestly, Happy International Women's Day. Happy International Women's Day.

706
00:32:19,160 --> 00:32:19,800
Speaker 9: How are you back?

707
00:32:20,480 --> 00:32:24,120
Speaker 2: I'm just waking up, but I'm good. Okay, she's about

708
00:32:24,120 --> 00:32:25,640
Speaker 2: to hit the stage. This is a really big deal,

709
00:32:25,640 --> 00:32:27,360
Speaker 2: and I'm just going to harass her for one second.

710
00:32:27,960 --> 00:32:30,960
Speaker 2: Hello and welcome. She's on the money. Happy International Women'sday,

711
00:32:30,960 --> 00:32:34,240
Speaker 2: Happy International Women's Stem. I'm so excited. How does she feel.

712
00:32:34,800 --> 00:32:40,560
Speaker 2: I'm really anxious. I've done three anxious weets. What's an

713
00:32:40,600 --> 00:32:44,200
Speaker 2: affordable luxury to you, Victoria, Oh, a really good copy

714
00:32:44,520 --> 00:32:47,240
Speaker 2: without worrying about how much it's going to cost you. You know,

715
00:32:47,280 --> 00:32:48,880
Speaker 2: when you're like go and you can tap your card

716
00:32:48,920 --> 00:32:51,040
Speaker 2: and you just know that there's enough cash on there

717
00:32:51,240 --> 00:32:53,280
Speaker 2: and you can afford your oat lata and it doesn't

718
00:32:53,280 --> 00:32:56,719
Speaker 2: matter about how much alternative milks cost. That's affordable luxury

719
00:32:56,760 --> 00:32:56,960
Speaker 2: to me.

720
00:32:58,800 --> 00:33:03,800
Speaker 4: Low pack butter oat milk, my morning coffee.

721
00:33:04,120 --> 00:33:07,480
Speaker 2: I won't go without my coffee. Do you have any

722
00:33:07,480 --> 00:33:08,080
Speaker 2: special milk?

723
00:33:08,200 --> 00:33:13,520
Speaker 4: Yeah, I'm too scared to say, Victoria, I drink almond milk.

724
00:33:15,320 --> 00:33:17,600
Speaker 10: Sucked in, Victoria.

725
00:33:18,120 --> 00:33:22,440
Speaker 11: My retinal retinol, I'll plug it. Medicai crystal ten expensive

726
00:33:22,560 --> 00:33:24,360
Speaker 11: I always find on sale, which makes me feel a

727
00:33:24,360 --> 00:33:26,640
Speaker 11: little bit better about it. But I figure, I'm putting

728
00:33:26,640 --> 00:33:29,719
Speaker 11: it on my skin five nights a week. Your skin's

729
00:33:29,720 --> 00:33:33,520
Speaker 11: the biggest organ on your body, and hopefully preventative, so

730
00:33:33,600 --> 00:33:35,920
Speaker 11: that you know my skin is looking fresh when I

731
00:33:35,920 --> 00:33:38,640
Speaker 11: get a little bit older. That's my way of justifying

732
00:33:38,880 --> 00:33:41,240
Speaker 11: an expensive product for long term use.

733
00:33:41,720 --> 00:33:43,479
Speaker 2: Love being a retinal galley. It's the best.

734
00:33:44,040 --> 00:33:49,560
Speaker 4: Your skin is glowing, Oh my goodness.

735
00:33:49,960 --> 00:33:52,160
Speaker 12: Affordable luxury this is a bit of a random one,

736
00:33:52,160 --> 00:33:56,160
Speaker 12: I guess, But I guess me being able to have

737
00:33:56,800 --> 00:33:59,200
Speaker 12: lots of running water. I know that sounds really random,

738
00:33:59,280 --> 00:34:04,120
Speaker 12: but like I, because I suffer from chronic migraines, I

739
00:34:04,120 --> 00:34:06,160
Speaker 12: find that water is actually a really great way to

740
00:34:06,240 --> 00:34:10,000
Speaker 12: reduce them, so taking like long showers and like long baths.

741
00:34:10,480 --> 00:34:12,719
Speaker 12: I'm very happy that I get to have that as

742
00:34:12,800 --> 00:34:16,920
Speaker 12: my every day, every week thing to like manage my pain.

743
00:34:17,160 --> 00:34:19,640
Speaker 2: So it feels like a luxury, I guess.

744
00:34:19,719 --> 00:34:20,120
Speaker 11: I don't know.

745
00:34:21,200 --> 00:34:22,320
Speaker 2: I don't know if that's depressed.

746
00:34:23,239 --> 00:34:26,840
Speaker 9: My affordable luxury is when I can't be bothered to

747
00:34:26,840 --> 00:34:29,200
Speaker 9: take the train I drive into work and paper parking

748
00:34:30,560 --> 00:34:31,760
Speaker 9: because I hate catching trains.

749
00:34:31,880 --> 00:34:33,680
Speaker 2: So that is my ford luxury.

750
00:34:34,520 --> 00:34:38,560
Speaker 10: Mine would have to be jewelry, even during COVID when

751
00:34:38,600 --> 00:34:41,840
Speaker 10: we weren't going anywhere, I would still treat myself to

752
00:34:41,880 --> 00:34:43,640
Speaker 10: a new piece just to wear at home.

753
00:34:44,200 --> 00:34:46,880
Speaker 5: I can confirm the ladies looking good with her bling

754
00:34:46,920 --> 00:34:47,360
Speaker 5: right now.

755
00:34:47,520 --> 00:34:48,880
Speaker 2: Yes, thank you.

756
00:34:48,960 --> 00:34:50,720
Speaker 10: Yeah, that was definitely made me feel special.

757
00:34:52,480 --> 00:34:53,520
Speaker 2: Affordable luxury.

758
00:34:53,560 --> 00:34:56,479
Speaker 6: I saw this really interesting thing online the other day

759
00:34:57,520 --> 00:35:00,200
Speaker 6: about being able to get home safe, and I hate that,

760
00:35:00,200 --> 00:35:01,120
Speaker 6: That's what I'm saying.

761
00:35:01,160 --> 00:35:03,520
Speaker 2: But I feel emotual about it.

762
00:35:04,719 --> 00:35:08,759
Speaker 6: Being able to afford to get a DV home. Yeah,

763
00:35:09,480 --> 00:35:11,480
Speaker 6: and if the only one you could get home is

764
00:35:12,640 --> 00:35:14,879
Speaker 6: like sure you want having the money to do.

765
00:35:14,800 --> 00:35:20,920
Speaker 2: That, that's it for me. Why it is not emotional? No,

766
00:35:21,000 --> 00:35:26,839
Speaker 2: it's true. If it's incredibly emotional safety, it's like a right.

767
00:35:27,520 --> 00:35:28,520
Speaker 2: But I hate that that's the thing.

768
00:35:28,560 --> 00:35:32,600
Speaker 6: It was women that we have to think about and

769
00:35:33,600 --> 00:35:37,200
Speaker 6: have spare money for, you know, like my husband never

770
00:35:37,239 --> 00:35:38,160
Speaker 6: has to think about that.

771
00:35:40,080 --> 00:35:42,400
Speaker 4: My I think my big money goal for twenty twenty

772
00:35:42,440 --> 00:35:48,120
Speaker 4: three is to start saving hopefully, you know. I don't

773
00:35:48,120 --> 00:35:50,560
Speaker 4: want to be I don't want it to be too extravagant.

774
00:35:50,640 --> 00:35:52,200
Speaker 4: I feel like, by the end of twenty twenty three,

775
00:35:52,280 --> 00:35:53,880
Speaker 4: I want at least a couple hundred.

776
00:35:53,600 --> 00:35:56,880
Speaker 2: Dollars And that's that's really it. That'll satisfy me.

777
00:35:57,200 --> 00:36:00,520
Speaker 8: Just save more, Yeah, just say save money.

778
00:36:00,560 --> 00:36:00,960
Speaker 2: That's it.

779
00:36:02,040 --> 00:36:03,759
Speaker 10: I want to buy a car by the end of

780
00:36:03,800 --> 00:36:05,560
Speaker 10: the year and there a new car.

781
00:36:06,960 --> 00:36:11,239
Speaker 11: Mine is to control my impulse spending and go to

782
00:36:11,320 --> 00:36:14,040
Speaker 11: Europe with a bit of financial freedom and come back

783
00:36:14,080 --> 00:36:16,640
Speaker 11: and still have saved money by the end of the year.

784
00:36:17,480 --> 00:36:20,040
Speaker 10: Money goal I think would definitely just be saving for

785
00:36:20,160 --> 00:36:24,400
Speaker 10: a house to posit, just getting into that born savings mode.

786
00:36:24,920 --> 00:36:27,759
Speaker 10: It feels like a long road, but I know if

787
00:36:27,760 --> 00:36:29,160
Speaker 10: you just chip away, you'll get there.

788
00:36:30,239 --> 00:36:32,399
Speaker 9: I have a couple of money goals for this year.

789
00:36:32,920 --> 00:36:33,840
Speaker 10: Last year was a.

790
00:36:33,840 --> 00:36:36,279
Speaker 9: Little bit hectic for me money wise. I moved out

791
00:36:36,280 --> 00:36:39,000
Speaker 9: of home, my car broke down, a lot of things happened.

792
00:36:39,480 --> 00:36:42,239
Speaker 9: So my money goal for twenty twenty three is to

793
00:36:42,480 --> 00:36:46,239
Speaker 9: resave my emergency fund and to pay off my credit

794
00:36:46,320 --> 00:36:46,719
Speaker 9: card debt.

795
00:36:47,560 --> 00:36:50,600
Speaker 8: The big money goal for twenty twenty three is we

796
00:36:50,640 --> 00:36:53,600
Speaker 8: actually have our own baby podcast, and so it's to

797
00:36:54,200 --> 00:36:57,480
Speaker 8: baby make my first money with that so that I

798
00:36:57,520 --> 00:37:00,759
Speaker 8: can maybe like start not using my personal money to

799
00:37:01,040 --> 00:37:06,520
Speaker 8: fund it. It's differently brained, so that's why Chloe was

800
00:37:06,560 --> 00:37:09,200
Speaker 8: such an amazing guest today. So we talked to different

801
00:37:09,239 --> 00:37:13,160
Speaker 8: neurodivergent guests and people who've had challenges with mental.

802
00:37:12,880 --> 00:37:13,520
Speaker 2: Health, and we talk.

803
00:37:13,440 --> 00:37:17,360
Speaker 8: About their lived experience, breaking down the stereotypes and misconceptions

804
00:37:17,400 --> 00:37:19,160
Speaker 8: around what autism.

805
00:37:18,719 --> 00:37:20,319
Speaker 2: Looks like and what ADHD looks like.

806
00:37:20,480 --> 00:37:23,279
Speaker 8: So I'm autistic in ADHD and my co host is

807
00:37:23,280 --> 00:37:26,600
Speaker 8: Bipola and OCD. So just trying to change things up

808
00:37:26,640 --> 00:37:29,279
Speaker 8: a bit, much the same way that Lovely Victoria in

809
00:37:29,320 --> 00:37:29,960
Speaker 8: your team does.

810
00:37:31,120 --> 00:37:33,239
Speaker 12: I was just wondering if either of you have had

811
00:37:33,280 --> 00:37:37,480
Speaker 12: a money lost lately, like got a bargain or had

812
00:37:37,480 --> 00:37:38,759
Speaker 12: like a parking fine or.

813
00:37:39,200 --> 00:37:42,160
Speaker 7: She's the queen of parking fines. I've had two parking

814
00:37:42,200 --> 00:37:46,560
Speaker 7: fines in my lifetime and couldn't have happened, shouldn't have happened? Yes, No,

815
00:37:46,719 --> 00:37:48,319
Speaker 7: And that was that was less of a money when

816
00:37:48,360 --> 00:37:50,080
Speaker 7: I guess you could say more of a money loss,

817
00:37:50,160 --> 00:37:50,759
Speaker 7: let's go with that.

818
00:37:52,200 --> 00:37:53,080
Speaker 2: It was not a lot of fun.

819
00:37:53,120 --> 00:37:54,600
Speaker 7: I actually had a permit to park there, but I

820
00:37:54,600 --> 00:37:55,520
Speaker 7: had just forgotten.

821
00:37:55,160 --> 00:37:55,759
Speaker 2: To display it.

822
00:37:55,840 --> 00:37:57,960
Speaker 7: So it was just it was authorful a good of

823
00:37:58,000 --> 00:38:00,400
Speaker 7: promotion last year. That was quite a money for me

824
00:38:00,520 --> 00:38:02,640
Speaker 7: the end of last year, so coming into this year,

825
00:38:03,320 --> 00:38:04,840
Speaker 7: paid off the fine, paid off the fine for me,

826
00:38:04,880 --> 00:38:07,680
Speaker 7: we'll go with that. Yeah, I cancel each other for me.

827
00:38:08,000 --> 00:38:10,160
Speaker 2: My money when is I bought my first apartment, so

828
00:38:10,239 --> 00:38:11,200
Speaker 2: that's that. Yeah.

829
00:38:11,280 --> 00:38:14,280
Speaker 7: Yeah, pretty proud of me because twenty one that's crazy.

830
00:38:14,640 --> 00:38:17,520
Speaker 10: So well, I've actually just had a big money goal

831
00:38:17,560 --> 00:38:20,080
Speaker 10: achieve so we've just bought a big, five bedroom.

832
00:38:19,760 --> 00:38:20,640
Speaker 2: House for all the kids.

833
00:38:20,680 --> 00:38:23,840
Speaker 10: So yeah, so that's probably money loss as well, but

834
00:38:24,160 --> 00:38:28,560
Speaker 10: it's also a goal achieve So yeah, I've had.

835
00:38:28,440 --> 00:38:31,320
Speaker 13: A bit of a up and down relationship with money.

836
00:38:32,600 --> 00:38:36,319
Speaker 13: I was in a pretty abusive relationship last year and

837
00:38:36,360 --> 00:38:42,200
Speaker 13: that caused a big money loss. But I've worked really

838
00:38:42,200 --> 00:38:44,960
Speaker 13: hard and Mums supported me a lot in the last

839
00:38:44,960 --> 00:38:47,640
Speaker 13: twelve months and I've been able to save up twelve

840
00:38:47,680 --> 00:38:51,239
Speaker 13: grand in the last twelve months, so that's like my

841
00:38:51,360 --> 00:38:52,040
Speaker 13: main money.

842
00:38:53,440 --> 00:38:54,440
Speaker 5: Yeah.

843
00:38:54,800 --> 00:38:59,200
Speaker 2: Yeah, she's worked really hard. I'm so proud of her.

844
00:39:00,440 --> 00:39:01,360
Speaker 2: She's on the money.

845
00:39:01,600 --> 00:39:02,440
Speaker 3: She's on the money.

846
00:39:02,520 --> 00:39:03,360
Speaker 5: She's on the money.

847
00:39:03,480 --> 00:39:08,160
Speaker 2: She's on the money. She's on the money. She's on

848
00:39:08,239 --> 00:39:18,080
Speaker 2: the money. The advice shared on She's on the Money

849
00:39:18,200 --> 00:39:21,920
Speaker 2: is general in nature and does not consider your individual circumstances.

850
00:39:22,280 --> 00:39:25,719
Speaker 2: She's on the Money exists purely for educational purposes and

851
00:39:25,719 --> 00:39:28,160
Speaker 2: should not be relied upon to make an investment or

852
00:39:28,239 --> 00:39:31,800
Speaker 2: financial decision. If you do choose to buy a financial product,

853
00:39:31,920 --> 00:39:35,920
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored

854
00:39:35,920 --> 00:39:39,400
Speaker 2: towards your needs. Victoria Divine and She's on the Money

855
00:39:39,440 --> 00:39:44,359
Speaker 2: are authorized representatives of Money. Sheper pty Ltd ABN three

856
00:39:44,440 --> 00:39:47,320
Speaker 2: two one is six four nine two seven seven zero

857
00:39:47,440 --> 00:40:02,800
Speaker 2: eight AFSL four five one two eight nine