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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: millennials who want financial freedom. Welcome back to another one

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Speaker 2: of our Friday Drinks episodes, where our team get together

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Speaker 2: every single week and have a drink and talk about

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Speaker 2: the successes of our community. This week, we had a

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Speaker 2: very exciting week. It was the start of accountability August

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Speaker 2: and we're going to dive into chatting about that because

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Speaker 2: I know Jess is super excited. I know you are.

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Speaker 2: You literally haven't stopped talking about it. But Tony, before

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Speaker 2: we do that, what happened in our money dirry this week?

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Speaker 3: Our money Diary this week was someone who is still

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Speaker 3: living at home and she acknowledged that she was very

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Speaker 3: lucky to do that and planned to backpack around Europe

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Speaker 3: over the last two years. But hashtag COVID so she's

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Speaker 3: got all this money saved, and she was like, you

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Speaker 3: know what, I really want to work for an agency,

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Speaker 3: a creative agency.

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Speaker 4: So she started one herself.

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Speaker 2: As you do, like as you do, you just I

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Speaker 2: want to work in that field.

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Speaker 5: I'm just do it.

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Speaker 2: Just create it problem solving.

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Speaker 3: Yeah, create our own opportunities and our money direst has

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Speaker 3: started that with a few friends, which is really really cool,

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Speaker 3: and it was nice hearing somebody you know killings.

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Speaker 2: Yeah, yeah, I love that. She was like, oh no,

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Speaker 2: we just decided it was a good idea, so we

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Speaker 2: went for it. Yeah, Like it's creative. Like it's one

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Speaker 2: of those things where I think people always assume that

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Speaker 2: to start your own business you need a million years

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Speaker 2: of experience and then you dive out and do it.

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Speaker 2: But sometimes, especially in those creative fields, you can just say, well,

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Speaker 2: actually I'm a really creative person, or I'm really funny,

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Speaker 2: or I'm really talented, and you just start from the

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Speaker 2: bottom there. And I think that there's a lot of

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Speaker 2: merit to that as well.

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Speaker 3: Yeah, she's doing well, and don't you worry, Ryan. I

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Speaker 3: steid her right on over to the Business Bible. She

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Speaker 3: said she's listened to it to all the episodes.

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Speaker 4: Very exciting.

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Speaker 5: Yeah.

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Speaker 2: We tried to introduce it to her, but she was like, oh,

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Speaker 2: I can already do it for you, and we're like, oh, okay,

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Speaker 2: can we.

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Speaker 5: Help it all? Nah, Okay, thanks for your uch.

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Speaker 3: You guys some pointer as though.

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Speaker 2: All right, and Jess what happened in our deep dive

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Speaker 2: this week.

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Speaker 6: So on Wednesday, you and g spoke all about debt consolidation,

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Speaker 6: which I had a lot of fun with. Yeah, and

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Speaker 6: for those who don't know, debt consolidation is essentially when

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Speaker 6: you have a whole bunch of debts at different places,

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Speaker 6: or to different businesses or on different cards, you bundle

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Speaker 6: them all on up into one more manageable debt repayment.

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Speaker 2: However, clearly listened to the episode you no I did.

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Speaker 6: However, there are a whole bunch of different considerations that

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Speaker 6: you need to think about when you're doing that, because

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Speaker 6: you may have to declare bankruptcy or there are a

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Speaker 6: whole bunch of different things. And so you spoke about that,

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Speaker 6: the how, the why.

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Speaker 2: I mean, I'd say that you may have to declare

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Speaker 2: bankruptcy as maybe the most dramatic of those things that

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Speaker 2: you might have told. Okay, well that's your main takeaway,

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Speaker 2: but maybe maybe a little lighter. But in the next

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Speaker 2: few weeks, we're going to have an entire episode on

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Speaker 2: bankruptcy coming up. I think it'll be more of an

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Speaker 2: education piece than how.

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Speaker 6: To piece, and that'll be, I believe, in two weeks,

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Speaker 6: So stick around for that one.

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Speaker 2: If you're interested. I think it'll be really interesting to

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Speaker 2: learn about. Yeah, absolutely getting off bankruptcy, though, because it's

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Speaker 2: not this week's topic, Jessica, let's talk to Ryan, who

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Speaker 2: seems to be really impressed with the drink that we've got.

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Speaker 5: Well, we've got Brookvale Union vodka and peach iced tea.

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Speaker 2: How do we raid it? So stoked with this one.

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Speaker 5: Every one seems pretty tough with it. I like Brookvale

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Speaker 5: Union the brand because they make a ginger beer that

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Speaker 5: I like. So when I saw Brookvale Union come out,

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Speaker 5: they do a bunch of funky stuff. I know Tony's

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Speaker 5: over there nodding saying bad words that won't make the

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Speaker 5: on air edition of this podcast, I really like it.

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Speaker 4: I'm a big fan of iced tea full stop.

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Speaker 2: So yeah, I can definitely see this one over a

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Speaker 2: tall glass of ice in the middle of summer being

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Speaker 2: an absolute winner for sure.

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Speaker 5: As we're here in the first week of August.

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Speaker 2: And it's I'm planning for the future, guys, it's the future.

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Speaker 5: Me look in the head. We're feeling good.

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Speaker 2: Speaking of feeling good, can you run us through the

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Speaker 2: money wins of the week?

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Speaker 5: All right? Elna. Eleven months ago she hit her savings

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Speaker 5: goal of ten thousand dollars. As you said, I want

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Speaker 5: to buy a house. I'm setting some new goals. Eleven

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Speaker 5: months on from ten thousand, she now has thirty five.

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Speaker 5: That is really well done, Elena, she's saving for a house.

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Speaker 5: Hailey just reached. Now I think this might be a

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Speaker 5: she's on the money record, Hailey, I've just reached my

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Speaker 5: goal of an emergency fund of ten thousand dollars.

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Speaker 2: Wow, yes, Why is it a I don't think I've.

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Speaker 5: Heard I just most emergency funds, not that there's rules,

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Speaker 5: but like there are always like two grand five. I

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Speaker 5: don't think i've heard a ten grand emergency fund before.

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Speaker 2: I have make one in a while, but I feel

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Speaker 2: like that's a pretty solid number for a lot.

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Speaker 5: Of huge I'd feel very secure.

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Speaker 2: I hear that a lot in my budget and Cashley

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Speaker 2: master classes kind of like people feel really secure because

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Speaker 2: it's like the first number that's five figures. They're like, no,

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Speaker 2: if I've got five figures in the bank of mine,

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Speaker 2: And it definitely is a really confidence boosting piece but

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Speaker 2: maybe unrelatable for some, but like a massive goal for

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Speaker 2: her and just to know she's got that financial freedom,

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Speaker 2: I'm envious.

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Speaker 5: She said, though ten thousand is all I want for

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Speaker 5: my emergency fund, so all my savings from now on

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Speaker 5: to going straight into investments. That's awesome, Felicity, And can

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Speaker 5: I just say a silver lining, Felicity, just the great

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Speaker 5: mindset here, because not so fun Incydy at the moment

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Speaker 5: with lockdown. But Felicity says, not working as much because

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Speaker 5: of lockdown in Sydney. But I'm saving a fortune on

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Speaker 5: childcare fees because usually I'll be going to work and

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Speaker 5: they'll be paying all these fees. You're so expensive, too unbelievable,

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Speaker 5: like some people, I mean this episode on that people

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Speaker 5: go to work and end up earning ten bucks for

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Speaker 5: the day by the time they've paid for just break even.

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Speaker 2: Yeah, I have colorful opinions on that. That's sometimes it's

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Speaker 2: worth still doing it even though you're taking home ten dollars.

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Speaker 2: Like I think we've covered it in a podcast. Don't

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Speaker 2: remember this rant, but I definitely believe in still going

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Speaker 2: to work even if you do come out with only

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Speaker 2: ten dollars in profit each week, because you know, obviously

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Speaker 2: childcare is expensive, but the benefit of staying in the

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Speaker 2: job market and keeping your skills relevant and keeping your

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Speaker 2: mental health in check for your confidence. Yeah, I think it's.

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Speaker 5: Really important just having adult conversations. Yeah, there's actually another

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Speaker 5: win related to that coming up, but Felicite said, double win.

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Speaker 5: I obviously get to spend more time with my little

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Speaker 5: ones because we're all home together during the day.

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Speaker 4: She's like, oh, by the way, also spending time with

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Speaker 4: my kids.

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Speaker 2: Way. I felt the same way in Lockdown with my cat.

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Speaker 2: Oh my gosh, I was going to say the same

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Speaker 2: thing about my dog, but I was like, oh, people

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Speaker 2: won't like me comparing it to a child, but there

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Speaker 2: are children on the jairs literally.

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Speaker 5: Now, Danika another silver lining story from what could have

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Speaker 5: been not such a great tale. She's just broken up

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Speaker 5: with her partner and the partners sorry.

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Speaker 4: About that, Danna Carr.

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Speaker 2: They were probably really sucky.

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Speaker 5: Anyway, I agree she's better off. She's won that one now,

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Speaker 5: she said. On the plus side, though, they contributed the

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Speaker 5: fridge to our relationship and I kept it.

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Speaker 4: That's good. I liked the.

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Speaker 5: Ultimate power move, she said. I didn't really need it,

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Speaker 5: so I sold it on the weekend on Facebook Marketplace

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Speaker 5: for one hundred and sixty dollars.

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Speaker 2: Thank you for the woman asked Jess as hush all right.

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Speaker 5: Mandy said she found some real Louis Batons in an

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Speaker 5: op shop in a small, tiny farm town in out

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Speaker 5: back West in Australia. Wow. Wow, between v and Jess,

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Speaker 5: who was our shoes correspondents, how much we looking at

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Speaker 5: for a pair of Louis Baton's Victoria Devine?

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Speaker 3: Oh?

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Speaker 2: Between eight hundred and twelve hundred dollars, I would say

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Speaker 2: on their preach.

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Speaker 5: Want to have a guess about the op shop in

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Speaker 5: this small, tiny farming town twelve dollars?

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Speaker 2: I'm going to say, do they know the value of it?

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Speaker 2: Hold on on inkling, do they think they like? Have

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Speaker 2: they priced it in line with the value or did

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Speaker 2: they just think there are another pair of op shop shoes.

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Speaker 5: As much as I'm proud of the research I do,

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Speaker 5: I didn't actually call the op shop just to get

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Speaker 5: five of what the owners?

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Speaker 2: No, no, no, not what they said. You're going to

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Speaker 2: know from the pricing that they knew what that item was,

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Speaker 2: or they the.

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Speaker 5: Person who bought it knew was worth a lot more.

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Speaker 5: Because she was bragging about it hard and she's on

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Speaker 5: the money Facebook group and put some photos in and

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Speaker 5: stuff as well.

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Speaker 2: I'm going to say thirty dollars the winner.

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Speaker 5: If my math is right, and I can't remember what

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Speaker 5: Jess said it she paid twenty dollars Jess as the winner. Well,

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Speaker 5: that's twenty dollars, twenty dollars as good as new for

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Speaker 5: brand new lue Baton's. That's crazy, Emily Jane. My parents

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Speaker 5: bought me a large pumpkin from their garden. How good

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Speaker 5: is that? When the parents stown up, I cut it,

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Speaker 5: boiled it, added garlic, cumin, salt, and some lemon, and

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Speaker 5: now I have one kilo of really yummy spice pumpkin dip.

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Speaker 5: It cost me thirty cents.

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Speaker 2: Oh my god, that's so cood. Pumpkin is delicious. Also,

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Speaker 2: being sent produce is literally the best thing, like when

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Speaker 2: people send you home with like lemons or I recently

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Speaker 2: raided one of my girlfriend's gardens. She has this massive

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Speaker 2: rosemarine bush and I was just like, I'm gonna do

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Speaker 2: a little bit of clipping before I leave.

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Speaker 5: Thank you, well played. Thirty cents in total, Jamie, I

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Speaker 5: needed to restock my expensive foundation, which was going to

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Speaker 5: be about sixty bucks plus twelve dollars shipping from Sephora.

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Speaker 5: The worst. Yeah, sounds awful. I mean like expensive off.

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Speaker 5: It sounds off. I mean, if you're not getting your

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Speaker 5: moisturizer from coals and paying a couple of dollars, you're

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Speaker 5: doing it right roundation.

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Speaker 2: It's not moisturizer, yeah, different, But how much would you

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Speaker 2: spend on skincare?

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Speaker 5: Well? I used to have that subscription with Lumen, remember, yeah,

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Speaker 5: that's right. That was I was building up to the wedding,

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Speaker 5: trying to like freshen up a little bit out. And

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Speaker 5: then I tried to cancel the subscription, as I've vented

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Speaker 5: many times about this exact story, and they made me

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Speaker 5: click a button and said, yes, I do hate my

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Speaker 5: skin and I don't want the subscription anymore.

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Speaker 4: What triggering bullying?

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Speaker 5: I think that was thirty five a month for three

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Speaker 5: different things. It was like a charcoal paste and a

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Speaker 5: moisturiza something actually guys beauty product compared to female the

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Speaker 5: price for the exact same product.

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Speaker 2: Pink tax really hate it all right.

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Speaker 5: So she found out that to four I was having

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Speaker 5: twenty percent off plus free shipping, which brought it down

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Speaker 5: to forty eight, but then shot back had an upsized

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Speaker 5: cash back of twenty five percent thirty six dollars. Then

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Speaker 5: it got even better because shot Back a giving bonus

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Speaker 5: mystery cash back if you download the browser extension. I

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Speaker 5: don't even know what that means. So after all, from

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Speaker 5: seventy two dollars originally just twenty eight dollars for Jamie

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Speaker 5: for the month.

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Speaker 2: Jamie, You're welcome our friends at shot Back. We'll love

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Speaker 2: hearing that story.

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Speaker 6: I think if you don't get the emails, you're like

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Speaker 6: not to be like sign up for the emails.

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Speaker 2: But I love them.

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Speaker 6: Because they do those super cash backs and I love

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Speaker 6: the iconic and I always get stuff when it's like

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Speaker 6: twenty percent cash back, and when you're buying a hundred

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Speaker 6: dollar dress, like that's a lot of money.

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Speaker 2: Yeah, this is why she didn't do the accountability August.

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Speaker 4: Oh yeah, I'm hearing it.

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Speaker 2: Yeah, your office to live recent.

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Speaker 5: Tests about now, these could be some awkward conversations to have,

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Speaker 5: but I feel like there's some great results out of

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Speaker 5: New Zealand. Here Kaylee has sat down with her husband

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Speaker 5: to discuss their finances because congratulations, Kaylee, she's about to

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Speaker 5: have a baby. So the husband is going to contribute

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Speaker 5: to her Kiwi Saver, which is the same as superannuation.

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Speaker 5: You get a girl while she's not working. So she's like,

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Speaker 5: you know, you're not working on that topy of so

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Speaker 5: he's going to pay that and there's also some tax

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Speaker 5: advantages if he's putting more in all that kind of thing,

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Speaker 5: so she's not disadvantaged. She also has one placement left

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Speaker 5: to complete her UNI degree. I don't know if it's nursing,

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Speaker 5: but I just always assume nursing teaching. Yeah, something like that.

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Speaker 5: So she said, when I'm back on my feet after

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Speaker 5: the baby, and we're not putting time pressure, but eventually

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Speaker 5: I just need to knock this last little thing off

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Speaker 5: and then I'm qualified. So her husband went into his

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Speaker 5: workplace and he has negotiated a combination of paternity leave

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Speaker 5: and you'll leave and leave without pay, So he's going

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Speaker 5: to stay home with the baby so she can go

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Speaker 5: and do her prack so she doesn't have to fall

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Speaker 5: behind with her career. A king.

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Speaker 4: Yeah, just a money win, a life win.

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Speaker 3: That sounds like a really great partitiation a win for

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Speaker 3: equality and like.

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Speaker 5: You're saying before, of course it's in New Zealand.

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Speaker 2: Though they also have Cindadn Pavlova, They've got all the

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Speaker 2: good things. Is this as ses he's at.

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Speaker 5: But as you're saying before the so many people put

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Speaker 5: their careers on hold for so long, and they gets

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Speaker 5: about going back, the fact that she's going to keep

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Speaker 5: chipping way, and the fact they haven't even had the

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Speaker 5: baby yet and they're having the chat beforehand. I guess

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Speaker 5: a lot of people the babies three months old and

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Speaker 5: they're like, oh, we probably should have thought about this,

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Speaker 5: and and like, so great work for being ahead. But

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Speaker 5: this is my favorite money wind of the week.

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Speaker 2: That wasn't your favorite. No, okay, share share go Oh.

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Speaker 4: It better not be another big pumpkin.

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Speaker 5: I might include pumpkin. Beck said it was my birthday

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Speaker 5: this week and I got a free pizza from Crust

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Speaker 5: the World.

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Speaker 2: Yeah, all right, Jess, we are back, and I'm going

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Speaker 2: to throw to you in a hot second about accountability August.

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Speaker 2: But for those of you who haven't heard about it yet,

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Speaker 2: we are running an accountability challenge in our community this

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Speaker 2: month to keep us accountable for the goals that we're

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Speaker 2: setting for ourselves. So the team have all set different

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Speaker 2: goals for themselves, because obviously, if you don't drink coffee,

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Speaker 2: it seems silly to say, oh, this month, I'm not

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Speaker 2: going to drink takeaway coffee. Jess has already won that

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Speaker 2: because she doesn't drink coffee. But it's been going really

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Speaker 2: well well and Jess, you're really excited about it, So

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Speaker 2: why don't you tell everybody this week's update. So it

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Speaker 2: has been so much fun.

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Speaker 6: We have a really fun template on our stories that

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Speaker 6: people have been filling out to set their goals for themselves.

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Speaker 2: And it's real cute. It's really fun and it's so cool.

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Speaker 6: On our first check in that we posted on Facebook,

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Speaker 6: we had a bunch of people being like, oh my gosh,

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Speaker 6: I'm Team Tony, I'm doing the same challenge as you.

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Speaker 6: I'm tem Ryan. So it's so fun to be doing

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Speaker 6: this with you guys and literally like helping each other

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Speaker 6: out and sharing tips. My goal this month was that

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Speaker 6: I wanted to side hustle up an extra five hundred dollars,

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Speaker 6: which was very ambitious.

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Speaker 2: By sealing, you're going to do well, though, I hope so.

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Speaker 6: By selling things that I already have in the house,

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Speaker 6: clothes and just other bits and pieces that have accumulated,

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Speaker 6: and I'm a tenth of the way there, I've made

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Speaker 6: forty five dollars, so.

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Speaker 2: It's only the start of August. Very true, which is

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Speaker 2: very exciting. And it's not even the weekend yet, and

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Speaker 2: I'm assuming that's when most of your sales happen, because

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Speaker 2: hopap's when you get to post your stuff. Yeah, exactly right.

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Speaker 6: But that is of course just me and everybody's been

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Speaker 6: checking in with us on Facebook. Ryan, have you been

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Speaker 6: having a squizet loose?

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Speaker 5: So this is we know he has a big squizze

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Speaker 5: and there's some great ideas in there as well. By

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Speaker 5: the way, Amy said, I'm not going to drive to work.

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Speaker 5: I'm going to walk to work. She said, I don't

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Speaker 5: live that far away. Parking is a bit expensive, and

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Speaker 5: then obviously petrol and all that kind of things. And

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Speaker 5: she also said, as much as it's a money challenge

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Speaker 5: for her, the sustainability of it not putting anymore. So

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Speaker 5: she's going to walk every time she's got a shift

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Speaker 5: for the whole month of August. Huge good so good.

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Speaker 6: For her fitness too. You'll feel great after this mental health.

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Speaker 6: I love how I feel after I go for a walk.

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Speaker 5: Well, I've started walking to work because I don't have

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Speaker 5: a car. Different it actually does you get to work

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Speaker 5: and you're a bit more refreshed and you've got some fresh.

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Speaker 4: Air and you don't just like your blood's pumping.

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Speaker 5: I'm liking it. So good luck Amy with that.

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Speaker 2: I won't be doing that though, so good luck.

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Speaker 5: Now. Casey said she's going to go meet free for

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Speaker 5: a month.

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Speaker 2: Oh I love that.

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Speaker 3: That's a good challenge meat as well as the v's

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Speaker 3: up to her thirtieth year.

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Speaker 2: But no, not even it's like thirtieth month. Maybe I

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Speaker 2: haven't always been meat for it, really, no, no, no,

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Speaker 2: I just haven't loved it, and then I cut it

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Speaker 2: out completely.

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Speaker 5: She's gone full meal prep and has already made four

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Speaker 5: yummy meals with lentils and done a vegetarian lasagna and

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Speaker 5: stuff like that. So as much as the health benefits

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Speaker 5: like expensive.

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Speaker 2: And darl is so yummy, obviously biased, but Darhl is

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Speaker 2: so yummy and so cheap to make, because you can

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Speaker 2: buy dried lentils for next to nothing and then make

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Speaker 2: a really yummy doll that you can take to work

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Speaker 2: and you can have for dinner. And it's just stretches

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Speaker 2: so far. I'm always so impressed when I make one,

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Speaker 2: and then I keep telling myself I'll make it again,

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Speaker 2: and then it's like three months before I make it.

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Speaker 5: And just lots of people we're going to follow you

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Speaker 5: in and say I'm also going to try and flip

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Speaker 5: some stuff online. A Rose said that she is trying

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Speaker 5: to fill up her emergency fund with stuff from around

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Speaker 5: the house onto her And finally Kate said she said,

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Speaker 5: it's tough for me. Guys, no after pay for August.

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Speaker 3: Yes, and hopefully that continues into the rest of your life.

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Speaker 6: We have strong thoughts on this as everybody, so I

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Speaker 6: am in full support.

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Speaker 5: Well, after pay was purchased by the guy that owns

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Speaker 5: Twitter for thirty nine billion. During the week after he

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Speaker 5: hears the news about Kate quitting, you reconsider.

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Speaker 2: Yeah, no, Kate, Kate, you need to actually hold off

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Speaker 2: on quitting because that was actually a very.

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Speaker 1: Part of the deal.

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Speaker 2: But like everybody's celebrating how impressive that he is in

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Speaker 2: all I see is men getting rich off financial disadvantage

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Speaker 2: of women. But whatever and what he's calling that out.

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Speaker 5: Lots of people on a group have made a full

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Speaker 5: stack as well. My favorite story from last year was

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Speaker 5: the girl who said, all the money I've wasted on

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Speaker 5: after pay I earned back by investing in after pay

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Speaker 5: and I used the profits.

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Speaker 2: So I love that that is big brain. She gained

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Speaker 2: the system.

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Speaker 4: How are you going, Ryan with no Uber eats?

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Speaker 5: All right? So here I have a question for the team.

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Speaker 2: He's going to try and palm it off by not

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Speaker 2: answering the question directly to make a good politician.

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Speaker 5: I have not used uber eats.

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Speaker 2: How downloaded door Dash?

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Speaker 5: My question is, where's the legality of getting the same food.

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Speaker 6: Via a different Someone commented on the thread and was like, Ryan,

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Speaker 6: I hope that you know that door dash and delivery

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Speaker 6: and everything else also counts.

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Speaker 2: Okay, Well if.

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Speaker 5: I haven't used any of those, but I went directly

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Speaker 5: to my favorite pizza place.

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Speaker 2: You ordered take away that's still not.

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Speaker 5: On but I got it from the place. What if

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Speaker 5: I drink have a drink at the venue while I'm

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Speaker 5: picking it up. That's our favorite thing to do.

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Speaker 2: I don't care if it's your favorite thing to do.

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Speaker 2: You committed. Wait, the distinction here is did you go

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Speaker 2: to pick up the food?

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Speaker 5: I did?

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Speaker 2: Well, then I would I think there's Jessica. I mean

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Speaker 2: you still had.

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Speaker 5: But I had it there Sometimes.

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Speaker 2: I mean, if you've gone out for dinner, which is

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Speaker 2: what you said, because you guys go and have a wine, right,

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Speaker 2: and you have a wine and then you pick up

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Speaker 2: your pizza. I'm assuming that's the story. Yeah, creature of habit,

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Speaker 2: But I think it's a different story than ordering uber

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Speaker 2: eats because uber eats is a convenience thing. There was

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Speaker 2: no convenience.

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Speaker 5: It was not convenient. I was forced to go to

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Speaker 5: a bar and have a drink.

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Speaker 2: And very tough for ryan guys.

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Speaker 5: How can you get through the day?

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Speaker 2: It's so funny, will be in.

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Speaker 6: It's also better for the business because the money. I'm

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Speaker 6: pretty sure Uberts takes a pretty big cut.

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Speaker 2: It's very hefty.

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Speaker 6: So if you're going direct to them, I also feel

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Speaker 6: like you're supporting.

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Speaker 5: Your local just a man of the people supporting small visits.

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Speaker 2: We will never be as good as your Tony Lodge.

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Speaker 2: How are you going with your challenge?

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Speaker 3: So I decided that for the month of August, I

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Speaker 3: wouldn't do any discretionary spending. So basically no spending except

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Speaker 3: for obviously rent and all of those things.

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Speaker 4: And I've quickly realized how long a month is.

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Speaker 3: It's now the sixth of August, so I I've got

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Speaker 3: a bit of a query about it.

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Speaker 4: So I booked in dinner with a friend for tonight actually, and.

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Speaker 3: I thought like weeks ago before. Yeah, And then I'm like, oh,

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Speaker 3: does that count because it's technically you know, I think it.

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Speaker 2: I think it doesn't count because it was pre planned,

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Speaker 2: but also bad or am I just giving you a

440
00:19:26,160 --> 00:19:28,040
Speaker 2: get out of jail free card? I think I know that.

441
00:19:28,040 --> 00:19:28,920
Speaker 2: I'm about to tell you.

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00:19:29,240 --> 00:19:33,520
Speaker 5: I will DOATS for two weeks in advance.

443
00:19:35,080 --> 00:19:38,560
Speaker 3: I wonder because it's mindful, Like I'm not you know,

444
00:19:38,680 --> 00:19:41,400
Speaker 3: sitting on my phone and ordering clothes or whatever. I'm

445
00:19:41,440 --> 00:19:43,840
Speaker 3: you know, actually going out, not ordering a breach, which

446
00:19:43,840 --> 00:19:46,199
Speaker 3: is what normally my boyfriend and I would do. But

447
00:19:46,280 --> 00:19:48,399
Speaker 3: we're going out, We're doing something, and it's a bit

448
00:19:48,480 --> 00:19:48,639
Speaker 3: you know.

449
00:19:48,880 --> 00:19:50,560
Speaker 2: There's a bit of a real bending.

450
00:19:51,040 --> 00:19:53,119
Speaker 3: So but and that's fine. But what I would like

451
00:19:53,160 --> 00:19:55,199
Speaker 3: to say is that anybody that is in this no

452
00:19:55,320 --> 00:20:00,119
Speaker 3: discretionary spending boat, it's okay if you make a mistake.

453
00:19:59,800 --> 00:20:06,120
Speaker 2: Well, I'm going to ask you next week how how

454
00:20:06,160 --> 00:20:07,680
Speaker 2: big that financial mistake?

455
00:20:08,160 --> 00:20:09,879
Speaker 4: Well, don't ask me then, because I've also got a hair.

456
00:20:12,400 --> 00:20:14,800
Speaker 2: Well in that case, maybe we segue on to me.

457
00:20:14,880 --> 00:20:16,520
Speaker 2: And I'm in the same boat. So I'm glad that

458
00:20:16,560 --> 00:20:19,480
Speaker 2: you said that mistakes are acceptable because on Monday, which

459
00:20:19,600 --> 00:20:23,160
Speaker 2: was my first day in the office that was August

460
00:20:23,240 --> 00:20:25,200
Speaker 2: and taking my lunch to work, which is the goal

461
00:20:25,200 --> 00:20:29,080
Speaker 2: I set for myself, I forgot my lunch to buy it.

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00:20:29,920 --> 00:20:31,440
Speaker 5: So you didn't last a single day.

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00:20:31,800 --> 00:20:35,040
Speaker 2: No, but like the intention was there and I had

464
00:20:35,080 --> 00:20:36,000
Speaker 2: all ryan.

465
00:20:35,840 --> 00:20:42,679
Speaker 3: Now, but I came to the pizza place wasn't okay.

466
00:20:42,880 --> 00:20:44,640
Speaker 2: So at least I'm not trying to twist it into

467
00:20:44,680 --> 00:20:46,840
Speaker 2: something else Tony Lodge and being like, oh, I.

468
00:20:46,760 --> 00:20:47,399
Speaker 4: Don't know if it.

469
00:20:49,440 --> 00:20:49,600
Speaker 5: Can.

470
00:20:49,680 --> 00:20:52,040
Speaker 2: I just say I feel like Also, I tried to

471
00:20:52,040 --> 00:20:53,160
Speaker 2: lie about it and I got caught.

472
00:20:53,240 --> 00:20:53,400
Speaker 5: Yeah.

473
00:20:53,400 --> 00:20:55,480
Speaker 2: I literally found her bag and did you get lunch

474
00:20:55,560 --> 00:20:58,840
Speaker 2: this week? And she was like no, And then she's like,

475
00:20:59,160 --> 00:20:59,960
Speaker 2: did you have sushi?

476
00:21:00,080 --> 00:21:01,120
Speaker 6: You know that maybe?

477
00:21:01,200 --> 00:21:03,399
Speaker 3: Well she called me that night on Monday night and

478
00:21:03,440 --> 00:21:05,760
Speaker 3: I said, oh, did you bring lunch to work today?

479
00:21:06,040 --> 00:21:10,359
Speaker 4: And she said, and I said, did you.

480
00:21:10,359 --> 00:21:14,639
Speaker 5: Go to sushi Harp And she went no, handbag, Yes,

481
00:21:14,760 --> 00:21:16,040
Speaker 5: a new brand called Sombrero.

482
00:21:17,880 --> 00:21:21,000
Speaker 2: That's literally me that I did have some veggie sushi

483
00:21:21,080 --> 00:21:23,480
Speaker 2: and it was very good, I'll have you know. According

484
00:21:23,480 --> 00:21:26,000
Speaker 2: to Charlotte who's on our team, it's actually the best

485
00:21:26,000 --> 00:21:31,040
Speaker 2: sushi in Melbourne. It's got a massive call for tigaway sushi.

486
00:21:31,280 --> 00:21:33,080
Speaker 6: I do just want to say anybody who is doing

487
00:21:33,119 --> 00:21:36,119
Speaker 6: accountability always, as you've probably picked up, we're human beings

488
00:21:36,119 --> 00:21:38,240
Speaker 6: and you are too. And I feel like something that's

489
00:21:38,280 --> 00:21:41,760
Speaker 6: really important when you set goals is to not beat

490
00:21:41,840 --> 00:21:44,439
Speaker 6: yourself up or hold yourself down if you slip back

491
00:21:44,440 --> 00:21:47,159
Speaker 6: a little bit. That's not what this challenge is about,

492
00:21:47,240 --> 00:21:49,399
Speaker 6: Like as you were saying, Tony, it's very much about

493
00:21:49,720 --> 00:21:52,760
Speaker 6: being mindful of what you're doing, coming back on things

494
00:21:52,760 --> 00:21:55,520
Speaker 6: that you maybe were doing a bit excessively like all

495
00:21:55,560 --> 00:21:58,560
Speaker 6: of us. And so you know, if sometimes something comes

496
00:21:58,640 --> 00:22:00,679
Speaker 6: up and you're like, actually, like that fits into what

497
00:22:00,800 --> 00:22:02,920
Speaker 6: I want to do and for my lifestyle right now,

498
00:22:02,960 --> 00:22:05,879
Speaker 6: and I'm okay with that, that is so fine. Like

499
00:22:05,920 --> 00:22:07,840
Speaker 6: we're not here to be like you're the worst because

500
00:22:07,880 --> 00:22:10,960
Speaker 6: you bought sushi, live your life. We're just trying to

501
00:22:11,040 --> 00:22:13,399
Speaker 6: like be our best selves for this month. Oh just

502
00:22:13,480 --> 00:22:17,440
Speaker 6: you beautiful inspiration, beautiful stuff.

503
00:22:18,119 --> 00:22:18,959
Speaker 2: That's different.

504
00:22:19,080 --> 00:22:19,840
Speaker 5: Yeah, that's good for you.

505
00:22:20,040 --> 00:22:21,159
Speaker 2: That's unusual.

506
00:22:21,240 --> 00:22:23,840
Speaker 4: Well I'm not allowed to buy any new compliments. So

507
00:22:24,480 --> 00:22:25,200
Speaker 4: well in that.

508
00:22:25,280 --> 00:22:27,840
Speaker 2: Case, Tony, I think that's all we have time for tooray.

509
00:22:28,160 --> 00:22:30,560
Speaker 2: But just before we head off, we'd like to acknowledge

510
00:22:30,600 --> 00:22:33,680
Speaker 2: and pay respect to Australia's Aboriginal and Torres Straight Islander

511
00:22:33,720 --> 00:22:37,280
Speaker 2: people's they're the traditional custodians of the lands, the waterways

512
00:22:37,320 --> 00:22:40,320
Speaker 2: and the skies all across Australia. We thank you for

513
00:22:40,359 --> 00:22:42,159
Speaker 2: sharing and for caring for the land on which we

514
00:22:42,200 --> 00:22:44,800
Speaker 2: are able to learn. We power respects to elders past

515
00:22:44,880 --> 00:22:47,560
Speaker 2: and present, and we share our friendship and our kindness.

516
00:22:47,880 --> 00:22:50,320
Speaker 3: The advice shared on She's on the Money is generally

517
00:22:50,400 --> 00:22:54,000
Speaker 3: nature and does not consider your individual circumstances. She's on

518
00:22:54,040 --> 00:22:57,040
Speaker 3: the Money exists purely for educational purposes and should not

519
00:22:57,040 --> 00:22:59,800
Speaker 3: be relied upon to make an investment or financial decision.

520
00:23:00,160 --> 00:23:03,480
Speaker 3: And we promise that Victoria Devine is an authorized representative

521
00:23:03,520 --> 00:23:07,280
Speaker 3: of Australia Pacific Funds Management for Prietary Limited ABN three

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00:23:07,320 --> 00:23:09,680
Speaker 3: four one three two four six three two five seven

523
00:23:09,880 --> 00:23:13,320
Speaker 3: AFSL three three nine one five one. Don't forget to

524
00:23:13,320 --> 00:23:15,119
Speaker 3: follow us on Instagram and She's on the Money a

525
00:23:15,280 --> 00:23:18,000
Speaker 3: US and share your accountability August templates with us.

526
00:23:18,040 --> 00:23:19,960
Speaker 2: Avacabby Baby Bye,