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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 to She's on the Money, the podcast

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

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Speaker 2: one of our Friday Drinks episodes where we get to

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Speaker 2: celebrate the money wins and sometimes the confessions from our

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Speaker 2: She's on the Money community. As always, there are so

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Speaker 2: many great wins in our community. And a little bit later,

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Speaker 2: Ryan will run you through his favorites. But first up,

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Speaker 2: Tony Lodge, what did we do on this Week's Money Diary?

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Speaker 3: This week our Money Diarist was really has come back

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Speaker 3: from her crazy story. She found out that her husband

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Speaker 3: had been cheating on her the whole time they'd been married,

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Speaker 3: and she'd worked really hard on buying investment properties that

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Speaker 3: she then had to sell because she couldn't afford to.

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Speaker 4: Buy him out and so gross.

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Speaker 3: And now she's got three houses on her way to

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Speaker 3: buying her fourth. She's got an investment property which is

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Speaker 3: like a holiday house that makes hers seventy grand a year,

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Speaker 3: Like she's going to retire by the time she's forty,

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Speaker 3: Like it's crazy. So it was a really really great story.

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Speaker 4: I love that.

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Speaker 2: And Jessica Rici, what did we talk about on this

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Speaker 2: week's Wednesday episode.

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Speaker 5: This week we spoke about bankruptcy, which is kind of

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Speaker 5: scary sounding. I honestly did not know a whole lot

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Speaker 5: about it before we recorded this episode, and we spoke

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Speaker 5: just a lot about the potential consequences and the Whens

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Speaker 5: and the wives and the house. Obviously it's a very

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Speaker 5: personal decision. But more than anything, I suppose we also

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Speaker 5: touched on the fact that it's okay if you're going

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Speaker 5: through bankruptcy or if it's something you're considering, it's not

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Speaker 5: a reflection of you as a person. It's just and

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Speaker 5: experience that you are going through, and that is completely fine.

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Speaker 5: If that's what you have to do to put yourself

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Speaker 5: in a positive position to put your best foot forward

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Speaker 5: in the future, then that's what you need to do.

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Speaker 6: Yeah.

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Speaker 2: I feel like it was a really powerful episode, and

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Speaker 2: I've actually had a number of dms since that episode

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Speaker 2: went live of people just asking me questions about that

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Speaker 2: or saying, hey, v thanks for talking about it. I've

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Speaker 2: actually been bankrupt twice, or someone saying, oh, I've done

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Speaker 2: a Part nine dead agreement. I wish i'd known what

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Speaker 2: I knew now, and I wouldn't have never ended up

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Speaker 2: in that situation, and it's so true. But I think

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Speaker 2: that we can't be harsh on ourselves because if we

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Speaker 2: are harsh on ourselves, it's to no end, Like there's

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Speaker 2: no point being upset about what has already happened, but

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Speaker 2: rather going okay, cool, I've learned from that. I'm a

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Speaker 2: better person now, I have more education and the ability

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Speaker 2: to change my life for the better, Like, let's do

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Speaker 2: that instead of being down about what we've already done.

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Speaker 2: So it was actually really nice to have those conversations

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Speaker 2: in my DMS and just knowing that we are having

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Speaker 2: an impact, especially during lockdown, like I'm not gonna lie, Tony.

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Speaker 2: I have loved having those conversations and getting a little

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Speaker 2: bit of our human contact during lockdown. But at the

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Speaker 2: same time, I know that these are such important topics

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Speaker 2: to cover, and Jess, I remember you and I were like, oh,

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Speaker 2: like are we not addressing enough or are we addressing

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Speaker 2: it too much?

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Speaker 4: Or is this too dry?

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Speaker 2: But I think these things are so important to talk about,

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Speaker 2: even if sometimes you're like okay, like I'm not bankrupt.

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Speaker 2: I don't know why I would have listened to that episode, Victoria.

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Speaker 2: It's kind of like, well, actually, you might never go bankrupt,

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Speaker 2: but I'm sure that someone in your family or your

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Speaker 2: inner circle might experience that. And how helpful is it

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Speaker 2: to have that knowledge to go, actually, hey, I know

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Speaker 2: you're going through that, but here's some hot tips, or

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Speaker 2: here's a resource, or here's what I know, so that

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Speaker 2: that person feels a bit more supported. I genuinely think that,

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Speaker 2: regardless of whether it applies to you, when it comes

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Speaker 2: to money, it's so powerful to just have as much

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Speaker 2: knowledge as possible, for sure. So with that, Ryan John,

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Speaker 2: let's lift the mood. What money wins have you got

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Speaker 2: from the community this week to share with us?

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Speaker 6: I've got a question.

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Speaker 7: V I know it's like tax return time, and we'll

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Speaker 7: get to that in a second, but is it also

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Speaker 7: it might just be a massive coincidence. Is it also

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Speaker 7: time that time of the year when people will sit

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Speaker 7: down with their boss and chat about stuff like the

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Speaker 7: new financial year? Because there seems to be a lot

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Speaker 7: of stories with like I've just sat down with my

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Speaker 7: boss for my yearly or six monthly review or something.

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Speaker 2: Yeah. I've actually had a couple of my girlfriends call

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Speaker 2: me and say, hey, they just wondering because obviously that's

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Speaker 2: what my friends use me for. I'm just wondering how

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Speaker 2: would I start that conversation or last year, my bos

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Speaker 2: didn't give me enough time to talk about it and

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Speaker 2: just like breezed over it in ten minutes. But I

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Speaker 2: want to have an hour conversation and actually talk about

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Speaker 2: my performance. How do I bring that up? And I

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Speaker 2: feel like they're really abundant. I think it makes sense,

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Speaker 2: like us submitting our tax returns is kind of like

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Speaker 2: the solidification of exactly what we earned in the last

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Speaker 2: financial year, and you kind of look at it and go, oh,

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Speaker 2: maybe I should review that, or maybe I should update

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Speaker 2: or have the conversation. But I think it is you know,

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Speaker 2: I think it's quite topical.

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Speaker 7: Well, this morning, Nancy had her performance review and her

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Speaker 7: employer is giving her an extra ten percent.

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Speaker 4: That is so much money.

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Speaker 6: Well done, Nancy.

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Speaker 7: Rise guys, well you know the boss.

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Speaker 4: She's so terrible. I can't approach her.

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Speaker 6: Sarah had her chat as well.

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Speaker 7: She has just got her first full time job recently,

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Speaker 7: so she must have finished university last year. She's fresh

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Speaker 7: into the workforce, and this week was her meeting about

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Speaker 7: how she's going during probation, and she was supposed to

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Speaker 7: do a six month probation and she's only about three

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Speaker 7: months in and they said, hey, probation's over. The job

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Speaker 7: is yours. Well done. Here's a pay rise as well.

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Speaker 7: You're doing such a great job.

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Speaker 6: Well done.

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Speaker 4: Sarah so excited.

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Speaker 7: All right, Ali has what she says, a money win

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Speaker 7: and a yummy win together. So instead of throwing out

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Speaker 7: the veggie scraps last night, I added them to boiling water,

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Speaker 7: making the best veggie stock I've ever tasted, way better

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Speaker 7: than the store, and it made me feel so good

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Speaker 7: about not wasting all the food that's in my fridge

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Speaker 7: in my freezer.

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Speaker 4: Genius, what is the idea?

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Speaker 6: I saw this meme.

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Speaker 7: I don't know if I mentioned it to you guys

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Speaker 7: last week, but I saw this meme that was like,

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Speaker 7: as soon as lockdown gets extended, I've immediately become allergic

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Speaker 7: to any food it's in the fridge.

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Speaker 2: The same same, but a way to do veggie stock

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Speaker 2: more sustainably, because obviously not many of us actually eat

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Speaker 2: enough veggies in one sitting to have enough scraps to

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Speaker 2: make stock, right, is like a big ziplock bag, or

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Speaker 2: like one of those stash of silicon bags in your

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Speaker 2: freezer that you always add your veggie scraps to and

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Speaker 2: then when it's full, then you make stock because you've

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Speaker 2: been stockpiling it for a while, so stock stock styling.

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Speaker 2: But if you want to do that, you can absolutely

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Speaker 2: do it. You don't have to always be feeding a

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Speaker 2: family of twelve for the scraps.

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Speaker 6: All right. Well, Jay has a money in, she said.

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Speaker 7: In the last ten months she's been doing a traineeship,

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Speaker 7: which has been earning next to nothing, but she knows

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Speaker 7: it's an investment. She's learning new skills. It's fine. She

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Speaker 7: has just past the trainee ship. She's now been employed

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Speaker 7: by the person training her, so assive pay rise and

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Speaker 7: she now gets a car expense as part of her job.

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Speaker 7: So as well as more money, she was driving a

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Speaker 7: lot with her own car. They're like, here's the keys

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Speaker 7: to the own your own work truck. Well done, welcome

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Speaker 7: to the team. Officially love that.

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Speaker 4: How exciting for.

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Speaker 7: You, Georgia says, So hairdressers, I feel like hairdresses more

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Speaker 7: than anyone else, and probably the beauty industry in general.

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Speaker 7: When we're in lockdown, they are really stuck between a

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Speaker 7: rock and a half place because they can't do much

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Speaker 7: people can't come and see them.

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Speaker 6: Georgia, you can't.

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Speaker 2: Even pivot that well, like you know how heaps of

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Speaker 2: the restaurants and stuff are now doing takeaway food or

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Speaker 2: like the provade or boxes or whatever. I just feel

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Speaker 2: like you can't run, As you said before, what can't you.

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Speaker 6: Get take away haircut? Guys?

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Speaker 4: I just feel like you can't get a drive through,

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Speaker 4: you know.

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Speaker 6: Get a wax for the road. Thanks, guys. You know

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Speaker 6: what you can do though, So.

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Speaker 4: What can you do, Jess? Do we really want to know.

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Speaker 6: What spending your time? Mate? No?

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Speaker 5: I saw a local hairdress doing this and I thought

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Speaker 5: it was such a good idea. So if anyone is

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Speaker 5: a hair us up, they're doing take home die kids.

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Speaker 5: So for like all their clients who are blonde, for example,

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Speaker 5: they give you like a little bowl at a brush

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Speaker 5: and your custom color that you would normally get with

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Speaker 5: them pre mix, and then they give you the instructions

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Speaker 5: or a video and you can do it at.

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Speaker 7: Home all right for Friday drinks next week. We'll all

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Speaker 7: bleach your hair blond for next week.

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Speaker 4: Oh no, no, no, no, no, sounds good. It sounds good.

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Speaker 4: Do you know what?

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Speaker 2: Even if I was blonde, I don't think I could

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Speaker 2: trust myself with that at all ever, Like I would

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Speaker 2: mess it up and I would be balled, So I

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Speaker 2: would live with the regrowth.

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Speaker 6: All right.

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Speaker 7: Well, George just said that she was at a loss

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Speaker 7: of what to do with money. She was a bit

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Speaker 7: down in the dumps. But her partner is a trade,

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Speaker 7: and a trade where you don't need qualifications. I think

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Speaker 7: they do like insurance jobs where they like do repairs

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Speaker 7: and stuff like that. And she went and started working

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Speaker 7: with her partner and they're working, earning heaps of money together,

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Speaker 7: having a good time. And she's like, I'm making the

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Speaker 7: best out of a bad situation and I'm actually enjoying

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Speaker 7: hanging out with.

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Speaker 6: The boys on the work site, which is a bit

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Speaker 6: of a legend. A quick one from Sammy, she said,

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Speaker 6: money win.

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Speaker 7: After four years of paying it off, my credit card

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Speaker 7: is gone, done, dusted, chopped up, account closed, thank you

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Speaker 7: very much, a yay.

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Speaker 6: How good is that?

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Speaker 2: Imagine slogging away for four years and then be able

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Speaker 2: to celebrate with the community.

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Speaker 7: Boom, well done, Sammy. Holly is in Canberra and she said,

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Speaker 7: we're finally in lockdown. I feel included.

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Speaker 4: Nobody wants that.

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Speaker 6: Holly you know, I like cute from Canberra, my old hometown.

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Speaker 2: It's like when you're in high school and all the

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Speaker 2: cool kids we're getting braces, so I wanted braces.

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Speaker 4: Like they're not cool, they're expensive. There are money loss.

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Speaker 6: Well, Holly says money win for me.

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Speaker 7: I've been paying eleven dollars a day on parking, so

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Speaker 7: fifty five dollars a week for years, and now I'm

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Speaker 7: saving that money and it's going straight to my emergency fund.

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Speaker 6: So well done, Holly, so good. Now.

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Speaker 7: One of my favorite money wins ever, and one of

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Speaker 7: the great hacks of life I think is buying a

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Speaker 7: present for your partner that you know that you're going

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Speaker 7: to get a lot of value out of yourself.

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Speaker 2: Here, I was thinking that Ryan would say, it's the

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Speaker 2: five dollar a day pretend you're not going to drink

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Speaker 2: coffee hack?

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Speaker 6: Oh do you want me to Are you asking for

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Speaker 6: an update?

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Speaker 7: Bee?

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Speaker 6: Yeah?

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Speaker 5: Yeah?

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Speaker 6: Yeah?

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Speaker 4: How much is in your spaceship account?

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Speaker 6: So this is from five dollars a day for not

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Speaker 6: drinking coffee, which I may be.

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Speaker 4: Back onto since the new year, right.

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Speaker 7: Since the new year, I now have one thousand, six

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Speaker 7: hundred and forty five dollars in that count. So Lauren

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Speaker 7: bought her partner in Inverted Commons a coffee machine for

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Speaker 7: their kitchen.

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Speaker 6: Yeah, goodbye, Bud, she says. I swear he wanted it.

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Speaker 6: I swear, she said to the comments.

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Speaker 7: Now, instead of paying five dollars fifty for a bought

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Speaker 7: coffee every day, I'm on the pods. It's so much cheaper.

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Speaker 7: I make it at home. It tastes just as great,

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Speaker 7: and she's saving a heap of money. So well done, Lauren.

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Speaker 7: Kate says, my husband buys a six pack of musley

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Speaker 7: bars every week to take to work and leave in

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Speaker 7: the work car.

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Speaker 6: But this week his six pack had seven musley bars.

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Speaker 7: Well, and she's like, he's bloody stoked as well, says

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Speaker 7: Kate of her husband.

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Speaker 4: Well, wouldn't you be. It's free food. Everybody loves free

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Speaker 4: food absolutely.

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Speaker 7: And finally, Sarah said, at the yogat place called you

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Speaker 7: get it so good?

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Speaker 5: I think, I know what are they yoga bar? It's yeah,

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Speaker 5: it's frozen yogurt, but I don't want to say it

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Speaker 5: because it's very yoga.

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Speaker 4: I think her winner is.

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Speaker 6: Like a shop, but like for frozen yogurt and stuff

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Speaker 6: like that.

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Speaker 2: So frozen yoga here, I am thinking you just got

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Speaker 2: like tubs of trobamie or something.

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Speaker 6: I mean, they've probably got that cool nice.

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Speaker 7: They've got a competition at the moment called Yo, guess

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Speaker 7: it you get it And Sarah correctly guess the weight

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Speaker 7: of her frozen yogurt and got it for free.

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Speaker 5: That's an amazing I think they have that most of

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Speaker 5: the time, or at least they used to when there

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Speaker 5: was one near my work.

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Speaker 4: And it's so good.

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Speaker 5: And if you get a really kind person behind the

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Speaker 5: bar when you're trying to guess, they'll kind of you'll

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Speaker 5: be like, oh, like, I think it's maybe like four

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Speaker 5: hundred grams and.

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Speaker 4: They'll be like, oh, like, do you really You in

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Speaker 4: the right direction?

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Speaker 6: All right?

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Speaker 7: And the final money win is hasn't happened yet. It

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Speaker 7: is a future money win.

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Speaker 4: Some claim future money wins.

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Speaker 7: Can you when you find out what it is?

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Speaker 2: You actually no, I did know about this. This is

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Speaker 2: absolutely a future money win.

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Speaker 7: Sorry, Ryan, someone from our group is gonna win and

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Speaker 7: I robot Rumba, which is incredibly awesome. Now I believe

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Speaker 7: as well as someone from the group gonna win one

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Speaker 7: of these, we actually have one in the office. Jess

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Speaker 7: and Ve won't shut up about it, so.

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Speaker 4: Please literally Jeeves. I gave mine a name.

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Speaker 2: And anyway, Jess and I were talking to the people

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Speaker 2: from I Robot and they sent me in I Robot

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Speaker 2: rumba I seven plus for my house so that it

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Speaker 2: could clean up after Lucy. Because I cannot tell you,

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Speaker 2: I had two cats. So I was always like, you

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Speaker 2: know what, it's not actually that bad having pets in

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Speaker 2: the house, Like what do people mean when they're complaining

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Speaker 2: about like pet furd being everywhere. I now have a

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Speaker 2: dog who doesn't drop any fur, yet my house is

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Speaker 2: full of debris always, like I do not understand. I

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Speaker 2: feel like she just goes outside, picks up piles of

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Speaker 2: dirt and then just throws it around my house.

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Speaker 5: I'm convinced when I have a boyfriend who's exactly the same.

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Speaker 2: Exactly anyway, so I got sent the I seventh plus.

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Speaker 4: So this bougie little I.

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Speaker 2: Robot that has its own docking station, and it like

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Speaker 2: even empties itself, Like Ryan, I cannot even this thing

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Speaker 2: empties itself and I just have to put it in

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Speaker 2: the bin. Anyway, Lucy loves it. My cat has stood

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Speaker 2: on it. I put that on my Instagram. He's trying

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Speaker 2: to do that thing where he rides the roomb around.

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Speaker 6: That when you mean trying to catch a lyft to

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Speaker 6: the bathroom.

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Speaker 4: Because we're trying to catch a lyft on it.

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Speaker 2: And we also got one for the office, which we

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Speaker 2: have had fun, you know, just testing it and when I.

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Speaker 4: Test it, sending drinks to people.

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Speaker 2: Yeah, you can put drinks on top of it and

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Speaker 2: it goes to your friend. I'm not saying that that's it.

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Speaker 2: It does a really good job of vacuuming because Jess

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Speaker 2: and I really like to eat chips at our desk

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Speaker 2: and those are really crumbly is not the point, but

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Speaker 2: really crumbly. But we also tested it out by hiding

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Speaker 2: bits of paper around the office and then seeing if

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Speaker 2: it actually got it.

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Speaker 4: And it did.

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Speaker 5: Yeah, So obviously Victoria, as always has gone for the bootiest,

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Speaker 5: fanciest thing.

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Speaker 2: However, love me, I didn't have any choice by choice.

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Speaker 4: I mean, I asked for that one.

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Speaker 5: But if you don't need the boogiest one like Victoria does,

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Speaker 5: there are a whole range of models that do very

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Speaker 5: similar things. In the office, We've got the I three

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Speaker 5: plus and that empties itself. I think it's just such

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Speaker 5: a time saving thing. It's obviously I'm saving you guys.

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Speaker 5: It's not saving time if you're setting up competitions for

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Speaker 5: yourself to see.

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Speaker 6: It in the office.

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Speaker 4: Okay, excited about it anyway.

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Speaker 2: I named the one that I have at home Jeeves,

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Speaker 2: because obviously Jeeves the butler makes sense. And I've set

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Speaker 2: it up and Jeeves goes around the house and cleans

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Speaker 2: the house so I don't have to. So that's time saving.

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Speaker 4: Is it not, Ryan?

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Speaker 6: Yeah, that sounds good.

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Speaker 5: It's really great because obviously it is a luxury product.

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Speaker 5: But I think there's something to be said for when

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Speaker 5: you think about these purchases and we s people talk

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Speaker 5: about a lot in the group where they're like, oh,

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Speaker 5: I've been saving so hard, but I don't want to

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Speaker 5: part with money, or you know, I want to purchase design,

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Speaker 5: but I'm not sure. For us, this is very much

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Speaker 5: like alleviating a mental load. And so when you have

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Speaker 5: so many people in the office, especially or even as

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Speaker 5: you were saying, the at home, when you have pets

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Speaker 5: running around to people when it's not COVID lockdown, things

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Speaker 5: build up. And I'm the kind of person where mess

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Speaker 5: really stresses me out. Our office does more often than

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Speaker 5: not become a bit of a bomb site and being able.

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Speaker 5: We are very tidy, don't attack Tony and we do

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Speaker 5: our vest but like being able to use some of

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Speaker 5: the functionalities, so like with the room, but you can

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Speaker 5: set it to clean at the same time every week,

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Speaker 5: so like we have our set to go around twice

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Speaker 5: a week on the same day, and it just really

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Speaker 5: makes a big difference knowing that that's one less thing

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Speaker 5: that you have to think about. And I think that

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Speaker 5: if it's taking that mental load off of you and

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Speaker 5: making you feel better, it is worth the investment to

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Speaker 5: me personally. And I'm so excited because we get to

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Speaker 5: take that mental load off of somebody else. We have

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Speaker 5: one of the I seven Pluses to give away the fanciest, bougiest,

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Speaker 5: most insane robot backing could ever think of. It empties itself.

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Speaker 2: You don't have to literally empties itself. You just have

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Speaker 2: to put the rubbish in the bin. I cannot even.

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Speaker 5: So we have a post up on our Instagram. If

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Speaker 5: you would like to win, definitely go and check that

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Speaker 5: out because you guys, it changed my life.

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Speaker 4: Literally, you can't win the robot. I'm so sorry. Oh

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Speaker 4: I wish I could a load. I wish that I

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Speaker 4: could give everybody a rebace.

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Speaker 5: I could give every person in this world a rumor.

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Speaker 4: I absolutely would.

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Speaker 6: Oh that's nice, Jess.

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Speaker 2: Well we'll have a chat with my robot about getting

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Speaker 2: new one, but not entering you in the competition, because

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Speaker 2: that would be grossly unfair.

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Speaker 6: Yeah, that's fair.

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Speaker 8: Okay, imagine Tony won the room.

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Speaker 6: All right.

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Speaker 7: So I mentioned before it's tax return season. Lots of

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Speaker 7: people are coming into a little bit of cash. Ole,

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Speaker 7: I've got a money win to share, and it's a

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00:17:07,680 --> 00:17:09,360
Speaker 7: bit of a brag. It's not like a Q one,

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00:17:09,359 --> 00:17:10,159
Speaker 7: it's legit.

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Speaker 6: All right.

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Speaker 4: What's your money in.

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Speaker 6: My tax return? Three? Two hundred dollars?

400
00:17:15,040 --> 00:17:17,600
Speaker 4: So much money's Richie mcreach.

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00:17:17,920 --> 00:17:20,159
Speaker 7: I think because I started a new job midyear, and

402
00:17:20,200 --> 00:17:22,440
Speaker 7: I started at like this is my second job rate,

403
00:17:22,480 --> 00:17:23,920
Speaker 7: So I started at the higher bread. You know that

404
00:17:23,960 --> 00:17:25,880
Speaker 7: I was paying a bit too much for that sort

405
00:17:25,880 --> 00:17:28,399
Speaker 7: of thing, thank you summer breakfast with Kiss.

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Speaker 6: So I got a little bit back.

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Speaker 7: But I know a lot of people via coming into

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00:17:33,280 --> 00:17:35,720
Speaker 7: a couple of thousand bucks, a five hundred bucks maybe

409
00:17:35,720 --> 00:17:38,720
Speaker 7: money they weren't planning on, and a pleasantly surprised. So

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Speaker 7: I guess my question is when we come into you know,

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Speaker 7: a couple of thousand dollars, it's significant, but it's not

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Speaker 7: a go and buy a boat or a house type

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Speaker 7: of money.

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00:17:47,720 --> 00:17:50,040
Speaker 2: But so many of us want to go buy boats

415
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Speaker 2: in houses and expensive designer purses and things that we

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Speaker 2: definitely wouldn't justify at any other point in the year

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Speaker 2: because we somehow think that our tax return is free money.

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00:18:00,359 --> 00:18:03,080
Speaker 7: Well that I always get weird with this because I think, oh,

419
00:18:03,160 --> 00:18:05,240
Speaker 7: I've paid too much earlier. It's just they're giving me

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Speaker 7: money back, and I'm an idiot. But I mean, how

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00:18:07,119 --> 00:18:08,120
Speaker 7: you see your tax returns?

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Speaker 2: Up to you your tax return. I feel like we're

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Speaker 2: going to have a different point of view from this

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Speaker 2: side of the table. Jess, what do you do with

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00:18:15,720 --> 00:18:18,440
Speaker 2: your tax return? Usually mine went straight to my house

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Speaker 2: deposit fund. Okay, she's smart to do your taxt Tony,

427
00:18:24,720 --> 00:18:26,360
Speaker 2: what are you doing with your tax returns?

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00:18:27,040 --> 00:18:30,000
Speaker 3: So this year it is planned to go straight onto

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00:18:30,240 --> 00:18:32,400
Speaker 3: paying off the last of our credit card debt.

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Speaker 4: I haven't got.

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00:18:33,400 --> 00:18:36,280
Speaker 3: I don't know, so that is actually very responsible. But

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00:18:36,400 --> 00:18:38,560
Speaker 3: normally I har it. I go all right, I'm going

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Speaker 3: to have half fun and half adults.

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Speaker 2: But that's not free money, Like, that's your money that

435
00:18:45,560 --> 00:18:47,560
Speaker 2: you've overpaid and then you get it back.

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00:18:47,600 --> 00:18:49,240
Speaker 4: It's literally your savings.

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Speaker 2: It actually baffles me how many people are like, oh yeah,

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Speaker 2: like I always buy a designer bag with.

439
00:18:54,160 --> 00:18:58,480
Speaker 7: Aggressive language, Victoria Devine, I am being aggressive because.

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00:18:58,240 --> 00:19:00,960
Speaker 2: You have such an opportunity to child your wealth or

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00:19:00,960 --> 00:19:04,600
Speaker 2: your debt repayments or create something that you didn't have before.

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Speaker 2: And I'm so sick of this. You know, maybe I'm

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Speaker 2: being a bit ranty today, but I'm so sick of

444
00:19:10,359 --> 00:19:13,639
Speaker 2: this treat yourself mentality. And you've worked so hard for

445
00:19:13,680 --> 00:19:16,840
Speaker 2: twelve months and then you're given this opportunity Ryan, Like,

446
00:19:16,920 --> 00:19:19,480
Speaker 2: you've got an extra three two hundred dollars and I

447
00:19:19,520 --> 00:19:21,760
Speaker 2: know you're going to be responsible for it. And I

448
00:19:21,800 --> 00:19:24,439
Speaker 2: hope that that's because you work with She's on the money, Like,

449
00:19:24,480 --> 00:19:25,960
Speaker 2: I just hope that that's us, Like.

450
00:19:25,920 --> 00:19:27,280
Speaker 4: It's Tony, It's just it's eye.

451
00:19:27,320 --> 00:19:29,600
Speaker 2: We've just had such a good impact on you that

452
00:19:29,680 --> 00:19:32,159
Speaker 2: you're going to be a responsible human this year. But

453
00:19:32,680 --> 00:19:34,320
Speaker 2: so many people see it and they're like, oh my gosh,

454
00:19:34,400 --> 00:19:37,520
Speaker 2: three two hundred dollars to treat myself instead of setting

455
00:19:37,560 --> 00:19:40,080
Speaker 2: themselves up for the future. And so many people are

456
00:19:40,119 --> 00:19:42,280
Speaker 2: doing this even though they don't have an emergency fund,

457
00:19:42,400 --> 00:19:44,480
Speaker 2: or maybe they still have some money on a credit card,

458
00:19:44,560 --> 00:19:47,200
Speaker 2: and it's kind of like the opportunity to give yourself

459
00:19:47,400 --> 00:19:50,240
Speaker 2: or future you a leg up. And so I think

460
00:19:50,640 --> 00:19:53,120
Speaker 2: Tony your genius using your tax recievement.

461
00:19:53,359 --> 00:19:54,439
Speaker 6: You very much.

462
00:19:54,640 --> 00:19:55,760
Speaker 4: You're welcome.

463
00:19:55,920 --> 00:20:00,320
Speaker 3: I'm opposed to child for financial responsibility.

464
00:20:00,880 --> 00:20:03,360
Speaker 2: So sexy, I really like it. We're going to see

465
00:20:03,400 --> 00:20:05,680
Speaker 2: that on tram stops all around the city soon. Guys,

466
00:20:05,680 --> 00:20:08,400
Speaker 2: why is Tony the post a child for financial responsibility?

467
00:20:08,440 --> 00:20:17,280
Speaker 4: And I'm a loser because I decided was responsible Jess.

468
00:20:17,200 --> 00:20:20,480
Speaker 2: Like, Jess is so good with money, so good with savings,

469
00:20:20,480 --> 00:20:22,119
Speaker 2: and we all kind of look at her with envy,

470
00:20:22,359 --> 00:20:24,119
Speaker 2: like she's just a little money wizard.

471
00:20:24,200 --> 00:20:26,960
Speaker 4: So, no, you're not cool, Jess. I'm sorry. I'm okay

472
00:20:27,119 --> 00:20:27,399
Speaker 4: with that.

473
00:20:27,920 --> 00:20:30,679
Speaker 2: No, you absolutely are. But Tony, I agree with you.

474
00:20:30,720 --> 00:20:34,520
Speaker 2: Paying off debt is so important and data from the ABS,

475
00:20:34,520 --> 00:20:37,280
Speaker 2: so the Australian Bureau of Statistics actually tells us that

476
00:20:37,359 --> 00:20:40,359
Speaker 2: a really large percentage of Australian households.

477
00:20:39,840 --> 00:20:42,000
Speaker 4: Currently have some form of debt.

478
00:20:42,359 --> 00:20:44,360
Speaker 2: So I think it would be quite smart to put

479
00:20:44,359 --> 00:20:46,840
Speaker 2: yourself in a situation where you could smash some of

480
00:20:46,880 --> 00:20:49,440
Speaker 2: that down or put yourself in a more preferable position.

481
00:20:50,040 --> 00:20:52,920
Speaker 2: And then if you don't have any debt, because as

482
00:20:52,960 --> 00:20:56,399
Speaker 2: you guys know, paying off debt is an investment in itself,

483
00:20:56,440 --> 00:21:00,879
Speaker 2: we should be prioritizing that over saving. But the next

484
00:21:00,880 --> 00:21:03,560
Speaker 2: one would be saving. If you don't already have an

485
00:21:03,560 --> 00:21:06,280
Speaker 2: emergency fund, I would be working on that. If you've

486
00:21:06,280 --> 00:21:08,720
Speaker 2: already got an emergency fund, saving for something in the

487
00:21:08,760 --> 00:21:11,240
Speaker 2: future and putting it away for a rainy day or

488
00:21:11,240 --> 00:21:14,479
Speaker 2: even just fluffing up your emergency account is amazing because

489
00:21:14,520 --> 00:21:16,639
Speaker 2: you never know when you're going to need it, especially

490
00:21:16,760 --> 00:21:21,040
Speaker 2: during and I hate this word unprecedented times, but it's

491
00:21:21,119 --> 00:21:24,560
Speaker 2: so true right other people. And this is kind of

492
00:21:24,600 --> 00:21:27,080
Speaker 2: like a double money when are you ready? So some

493
00:21:27,119 --> 00:21:29,520
Speaker 2: people from our community are kind of doing a double

494
00:21:29,520 --> 00:21:32,840
Speaker 2: money win. They're getting their tax back and putting it

495
00:21:32,880 --> 00:21:39,199
Speaker 2: into their supranuation as a voluntary contribution, which wait, you

496
00:21:39,200 --> 00:21:41,360
Speaker 2: can claim on your tax return next year.

497
00:21:41,800 --> 00:21:42,920
Speaker 4: Oh my god, Jane.

498
00:21:42,960 --> 00:21:45,240
Speaker 3: It's like the best kind of cycle.

499
00:21:46,720 --> 00:21:48,200
Speaker 4: Money cycle. Anyway.

500
00:21:48,359 --> 00:21:51,120
Speaker 2: I feel like this is important to understand because, as

501
00:21:51,119 --> 00:21:53,639
Speaker 2: we've spoken about before, it's actually super easy to do

502
00:21:53,760 --> 00:21:56,960
Speaker 2: voluntary contributions into your supranuation fund. You can usually be

503
00:21:57,080 --> 00:21:59,680
Speaker 2: pay them or just transfer them via bank transfer.

504
00:22:00,000 --> 00:22:00,480
Speaker 4: I feel like.

505
00:22:00,800 --> 00:22:03,760
Speaker 2: People think that transferring money to your super is much

506
00:22:03,800 --> 00:22:06,720
Speaker 2: harder than it actually is. It's literally like paying a

507
00:22:06,720 --> 00:22:11,640
Speaker 2: bill online. So that could be something that you consider. Obviously,

508
00:22:11,920 --> 00:22:14,960
Speaker 2: this is she's on the money and I'm obsessed with investing,

509
00:22:15,040 --> 00:22:18,400
Speaker 2: So you could start your investing journey or look at ETFs,

510
00:22:18,600 --> 00:22:21,520
Speaker 2: or you could buy some shares or dabble with our

511
00:22:21,560 --> 00:22:24,120
Speaker 2: friends at shares. EA's like, it's one of those things

512
00:22:24,119 --> 00:22:27,000
Speaker 2: where you've got this opportunity to start creating wealth. And

513
00:22:27,320 --> 00:22:29,360
Speaker 2: you know, if you haven't had money before that you've

514
00:22:29,400 --> 00:22:32,960
Speaker 2: been comfortable to allocate towards investing, maybe now is the

515
00:22:33,000 --> 00:22:35,800
Speaker 2: time to dip your toes in the water, or Tony,

516
00:22:35,920 --> 00:22:38,200
Speaker 2: I think we also need to give permission to people

517
00:22:38,240 --> 00:22:41,080
Speaker 2: to treat themselves a little bit as well. After all

518
00:22:41,119 --> 00:22:43,560
Speaker 2: that we've been through, it has been a really hard year.

519
00:22:43,680 --> 00:22:46,720
Speaker 2: So I wouldn't say no to people allocating a small

520
00:22:46,720 --> 00:22:50,520
Speaker 2: amount of that some online shopping or a nice takeaway

521
00:22:50,560 --> 00:22:53,200
Speaker 2: dinner or something so that they can actually enjoy life

522
00:22:53,240 --> 00:22:56,480
Speaker 2: as well. So I'm not saying, don't ever treat yourself,

523
00:22:56,520 --> 00:23:00,280
Speaker 2: but like, let's prioritize wealth creation, let's prioritize looking after

524
00:23:00,359 --> 00:23:03,120
Speaker 2: future us. But also let's not forget about the journey

525
00:23:03,160 --> 00:23:05,879
Speaker 2: that we're on now and actually enjoy what we're going

526
00:23:05,920 --> 00:23:08,560
Speaker 2: through at the same time, because as always, it is

527
00:23:08,600 --> 00:23:09,639
Speaker 2: not about the destination.

528
00:23:09,880 --> 00:23:12,119
Speaker 4: It is about the journey. Thank you Miley.

529
00:23:12,160 --> 00:23:15,120
Speaker 6: Todays time, it's about the club.

530
00:23:15,760 --> 00:23:19,879
Speaker 4: Someone could sing that that would be great. It's the club. Okay,

531
00:23:20,040 --> 00:23:20,879
Speaker 4: I didn't mean.

532
00:23:20,760 --> 00:23:23,359
Speaker 2: That literally, but sorry, that was really nice. But that

533
00:23:23,480 --> 00:23:25,560
Speaker 2: is where I'm going to wrap my tax return round

534
00:23:25,600 --> 00:23:27,240
Speaker 2: because I think that you guys are probably sick of

535
00:23:27,280 --> 00:23:29,840
Speaker 2: hearing it. So wrapping that up, let's move on to

536
00:23:30,080 --> 00:23:32,439
Speaker 2: one of my favorite topics of this month, and that

537
00:23:32,560 --> 00:23:33,440
Speaker 2: is accountability.

538
00:23:33,480 --> 00:23:34,040
Speaker 4: August.

539
00:23:34,560 --> 00:23:37,400
Speaker 2: Let's do a quick round table and check in with everybody.

540
00:23:37,480 --> 00:23:39,159
Speaker 4: Ryan John, how are you going?

541
00:23:40,160 --> 00:23:42,760
Speaker 7: I was hoping you would not go with me. First,

542
00:23:43,400 --> 00:23:47,600
Speaker 7: you looked maybe forget about it. My accountability August challenge

543
00:23:47,760 --> 00:23:52,480
Speaker 7: was no Uber eats for a whole month of my life.

544
00:23:50,640 --> 00:23:56,760
Speaker 7: I feel like within six hours of that comment being made,

545
00:23:56,920 --> 00:24:00,600
Speaker 7: we were plunged into lockdown. And as we've said many

546
00:24:00,640 --> 00:24:04,320
Speaker 7: times before, we obviously go into lockdown and become allergic

547
00:24:04,359 --> 00:24:06,879
Speaker 7: to any food that's in our fridge or freezer and

548
00:24:07,040 --> 00:24:09,360
Speaker 7: just want to So it's a.

549
00:24:09,359 --> 00:24:10,600
Speaker 4: Serious health condition.

550
00:24:12,400 --> 00:24:13,040
Speaker 1: Apologies.

551
00:24:13,680 --> 00:24:16,000
Speaker 2: Yeah, like you can see a doctor about that, and

552
00:24:16,040 --> 00:24:20,679
Speaker 2: they can diagnose you with fridgelitis when you're allergic to

553
00:24:20,800 --> 00:24:21,200
Speaker 2: every time.

554
00:24:21,240 --> 00:24:24,320
Speaker 7: I mentioned this conundrum to my dad the other day

555
00:24:24,400 --> 00:24:26,240
Speaker 7: and my dad said, oh, have you been in lockdown

556
00:24:26,280 --> 00:24:27,440
Speaker 7: for the last five years?

557
00:24:27,440 --> 00:24:33,080
Speaker 4: Then, as a forward thinker, you've been playing.

558
00:24:33,160 --> 00:24:34,000
Speaker 6: Thank you, Rodney.

559
00:24:34,720 --> 00:24:38,480
Speaker 7: But this is like the lamest thing. I haven't actually

560
00:24:38,560 --> 00:24:41,359
Speaker 7: ordered Uber Eats. I've used every other app. I've called

561
00:24:41,400 --> 00:24:45,399
Speaker 7: the store directly, I've used Bridget's phone. I've like stubbornly

562
00:24:45,600 --> 00:24:47,359
Speaker 7: been like, well, I've got a challenge on I need

563
00:24:47,359 --> 00:24:49,320
Speaker 7: to use your Yeah. No, it's the biggest cough out.

564
00:24:49,400 --> 00:24:51,679
Speaker 7: But and I'm not trying to say that I'm winning

565
00:24:51,760 --> 00:24:53,600
Speaker 7: or doing well, but I just wanted to be noted

566
00:24:53,640 --> 00:24:56,520
Speaker 7: that I had deleted my app and actually haven't used

567
00:24:56,560 --> 00:24:59,800
Speaker 7: it since. But I'm still definitely having takeaway three times,

568
00:25:00,240 --> 00:25:02,320
Speaker 7: so that's probably a D minus.

569
00:25:02,880 --> 00:25:03,080
Speaker 6: See.

570
00:25:03,119 --> 00:25:04,880
Speaker 3: I was about to say, well, have you at least

571
00:25:04,920 --> 00:25:06,239
Speaker 3: been a bit more mindful about it?

572
00:25:06,240 --> 00:25:11,359
Speaker 7: But last week I was mindful, and then when the

573
00:25:11,840 --> 00:25:14,160
Speaker 7: extension of the lockdown happened, I was just like, nah,

574
00:25:14,760 --> 00:25:16,439
Speaker 7: paul a chicken burger in me.

575
00:25:16,640 --> 00:25:19,919
Speaker 6: I am done. So that's me. So anyway, Jess, have

576
00:25:19,960 --> 00:25:21,640
Speaker 6: you got something better than my results?

577
00:25:21,760 --> 00:25:24,800
Speaker 5: I actually don't.

578
00:25:24,840 --> 00:25:26,920
Speaker 4: She's going to be like, I'm an angel, I'm so

579
00:25:26,960 --> 00:25:29,080
Speaker 4: good at saving. Look how much money I made, you

580
00:25:29,080 --> 00:25:30,439
Speaker 4: guys in your faces.

581
00:25:30,680 --> 00:25:34,440
Speaker 5: I really peaked last week because I remember I said

582
00:25:34,440 --> 00:25:36,920
Speaker 5: I made a lot of money for everyone playing at home.

583
00:25:36,960 --> 00:25:39,320
Speaker 5: I'm reselling things I have in my house. Obviously can't

584
00:25:39,400 --> 00:25:41,440
Speaker 5: use Marketplace because of lockdown, but I've been using deep

585
00:25:41,480 --> 00:25:44,040
Speaker 5: Hop to sell like clothes and unused baby products and

586
00:25:44,040 --> 00:25:46,720
Speaker 5: stuff like that. And last week I really peaked and

587
00:25:46,760 --> 00:25:49,439
Speaker 5: I had almost achieved my goal. This week I have

588
00:25:49,480 --> 00:25:51,960
Speaker 5: not sold a single item, which is really sad.

589
00:25:53,280 --> 00:25:55,760
Speaker 4: Just the week is not over. We still have the weekend.

590
00:25:56,080 --> 00:25:58,960
Speaker 7: You're within thirty or forty dollars of the target for

591
00:25:59,000 --> 00:25:59,280
Speaker 7: the month.

592
00:25:59,600 --> 00:26:01,200
Speaker 6: I was still really track.

593
00:26:01,240 --> 00:26:02,960
Speaker 5: I'm doing Yeah, I'm still on track, but it was

594
00:26:03,000 --> 00:26:05,200
Speaker 5: really sad. I even like put up a little thing

595
00:26:05,240 --> 00:26:07,400
Speaker 5: on the weekend, being like, oh, if you spend over.

596
00:26:07,520 --> 00:26:09,480
Speaker 5: I think it was fifty dollars I'll ship your item

597
00:26:09,560 --> 00:26:13,040
Speaker 5: for free, like someone's.

598
00:26:15,200 --> 00:26:19,520
Speaker 3: Literally Jess is on sale, girl, Jess, would it make

599
00:26:19,560 --> 00:26:21,680
Speaker 3: you feel better if maybe all the people that are

600
00:26:21,720 --> 00:26:24,639
Speaker 3: in your community are from she's on the money and

601
00:26:24,680 --> 00:26:26,160
Speaker 3: they're all doing no spend.

602
00:26:27,920 --> 00:26:29,840
Speaker 1: You can't sell anything.

603
00:26:31,640 --> 00:26:34,320
Speaker 5: A couple of beautiful girls are from the community, and

604
00:26:34,320 --> 00:26:35,760
Speaker 5: I have bought for me, Like, oh my gosh, Like

605
00:26:35,840 --> 00:26:37,520
Speaker 5: I'm so excited. I'm getting such a good deal at

606
00:26:37,560 --> 00:26:39,840
Speaker 5: the money in for me. But that doesn't like, can

607
00:26:39,840 --> 00:26:41,040
Speaker 5: we feel a bit better?

608
00:26:41,400 --> 00:26:42,040
Speaker 6: That's so great.

609
00:26:42,080 --> 00:26:44,080
Speaker 7: That's almost as good as the fact that Tony just

610
00:26:44,119 --> 00:26:47,400
Speaker 7: snort laughed at her own joke that.

611
00:26:47,320 --> 00:26:49,720
Speaker 4: Gets edited out. Guys, I'm not having it. We all

612
00:26:49,800 --> 00:26:55,399
Speaker 4: know that's I feel like I'm the one that usually

613
00:26:55,440 --> 00:26:58,520
Speaker 4: snort laughs as well. So you're welcome, thank you, but

614
00:26:58,560 --> 00:26:59,680
Speaker 4: not at your own job.

615
00:27:00,800 --> 00:27:04,520
Speaker 7: Gear very impressive, all right, So Jess is coming down

616
00:27:04,560 --> 00:27:07,359
Speaker 7: to the going to come down to the wire on sales, Tony,

617
00:27:07,400 --> 00:27:08,040
Speaker 7: where are you at?

618
00:27:08,960 --> 00:27:09,120
Speaker 6: So?

619
00:27:09,160 --> 00:27:11,639
Speaker 3: I don't know if anybody saw my post in the group,

620
00:27:12,000 --> 00:27:15,639
Speaker 3: but I'm doing very very well. My accountability August challenge

621
00:27:15,680 --> 00:27:19,080
Speaker 3: was to do a no spend month, so no discretionary

622
00:27:19,119 --> 00:27:21,679
Speaker 3: spending outside of like rent and bills and anything that

623
00:27:21,800 --> 00:27:22,679
Speaker 3: legally I have.

624
00:27:22,560 --> 00:27:25,200
Speaker 2: To pay, so we won't be buying beauty products from

625
00:27:25,280 --> 00:27:26,080
Speaker 2: Jess's deepop.

626
00:27:26,840 --> 00:27:29,080
Speaker 3: Unfortunately I'm missing out of the deal of a life

627
00:27:29,119 --> 00:27:37,520
Speaker 3: shop on jess depot. But I did order some emergency

628
00:27:37,680 --> 00:27:39,160
Speaker 3: grilled on the weekend.

629
00:27:40,960 --> 00:27:42,280
Speaker 4: Eurgency grilled.

630
00:27:42,880 --> 00:27:46,080
Speaker 5: Yes, we would, and I'll say it again, we're in

631
00:27:46,119 --> 00:27:46,680
Speaker 5: a lockdown.

632
00:27:46,840 --> 00:27:49,199
Speaker 4: It absolutely was an emergency thank you.

633
00:27:50,520 --> 00:27:54,479
Speaker 3: So yeah, so a bit of takeaway, which I feel

634
00:27:54,520 --> 00:27:55,600
Speaker 3: like is a lot.

635
00:27:55,480 --> 00:27:57,040
Speaker 4: Better than we would normally be doing.

636
00:27:57,080 --> 00:28:00,720
Speaker 3: We'd probably definitely be tucking into the old Uber eats

637
00:28:00,760 --> 00:28:03,359
Speaker 3: during lockdown to try and give us that serotonin boost.

638
00:28:04,000 --> 00:28:06,560
Speaker 3: But we I haven't really been doing any shopping, and

639
00:28:06,840 --> 00:28:11,120
Speaker 3: like I said, I've been just staying offline basically and

640
00:28:11,160 --> 00:28:13,240
Speaker 3: not looking at things to buy because that's when I

641
00:28:13,280 --> 00:28:14,800
Speaker 3: just add to cart and I go, oh, that's only

642
00:28:14,840 --> 00:28:18,320
Speaker 3: fifty dollars off. Well that's only twenty dollars, so I think, yeah,

643
00:28:18,359 --> 00:28:20,520
Speaker 3: And I've just been so much more mindful. It's like

644
00:28:20,640 --> 00:28:25,480
Speaker 3: fully changed my mindset around just buying stuff.

645
00:28:25,720 --> 00:28:27,160
Speaker 4: You're doing such a good job, Tony.

646
00:28:27,200 --> 00:28:27,760
Speaker 5: I'm so glad.

647
00:28:28,800 --> 00:28:31,280
Speaker 2: I'm so proud of you as the only team member

648
00:28:31,280 --> 00:28:32,880
Speaker 2: who's doing really well, it's good.

649
00:28:32,960 --> 00:28:35,800
Speaker 3: No, jess is definitely doing better than me. I think

650
00:28:35,960 --> 00:28:37,840
Speaker 3: it's not a competition. We're all just doing.

651
00:28:37,840 --> 00:28:43,120
Speaker 4: Oh, my most competitive person in our team.

652
00:28:43,280 --> 00:28:46,040
Speaker 2: You cannot stay with a straight pace that it is

653
00:28:46,120 --> 00:28:49,680
Speaker 2: not a competition because you came here to win, Jessica, can.

654
00:28:49,560 --> 00:28:50,320
Speaker 6: You play.

655
00:28:52,000 --> 00:28:54,960
Speaker 4: The how are you going? Once again? Check your lunch

656
00:28:55,000 --> 00:29:01,800
Speaker 4: into well? Right right right? So the loophole ever, Yeah,

657
00:29:01,840 --> 00:29:02,200
Speaker 4: like I.

658
00:29:02,240 --> 00:29:06,440
Speaker 2: Win, guys, but also really dismal this week, if I'm honest.

659
00:29:06,520 --> 00:29:07,680
Speaker 4: So we went into.

660
00:29:07,440 --> 00:29:10,560
Speaker 2: Lockdown and I kind of pivoted what taking lunch to

661
00:29:10,640 --> 00:29:14,160
Speaker 2: work meant and that changed to no takeaway for lunch

662
00:29:14,800 --> 00:29:17,120
Speaker 2: and no ordering, no breets, and like I've been doing

663
00:29:17,120 --> 00:29:19,560
Speaker 2: a bit of door dash and stuff like that. So

664
00:29:19,600 --> 00:29:23,080
Speaker 2: I'm hidding a bit desperado last week. And I actually

665
00:29:23,160 --> 00:29:26,280
Speaker 2: had cereal for lunch two days because I couldn't work

666
00:29:26,320 --> 00:29:28,840
Speaker 2: out what to have from the fridge. So I literally

667
00:29:29,040 --> 00:29:33,840
Speaker 2: ate corn flakes and oat milk, which is obviously.

668
00:29:33,360 --> 00:29:36,040
Speaker 7: Someone who can't have wheat, carbs or dairy how to

669
00:29:36,120 --> 00:29:36,680
Speaker 7: cereal go?

670
00:29:38,680 --> 00:29:41,800
Speaker 2: I love the Carmen's gluten free musically, and I also

671
00:29:41,880 --> 00:29:45,040
Speaker 2: adore the gluten free corn flakes, which I then put

672
00:29:45,080 --> 00:29:48,080
Speaker 2: sugar on top of because health first, and also lack

673
00:29:48,160 --> 00:29:50,760
Speaker 2: lots of fruits and berries usually, but this was literally

674
00:29:50,800 --> 00:29:53,320
Speaker 2: just corn flakes and oat milk because I was like

675
00:29:53,320 --> 00:29:57,560
Speaker 2: a study of it, really and I don't eat noodles

676
00:29:57,640 --> 00:29:59,760
Speaker 2: or anything like that, so it was really hard. But

677
00:30:00,040 --> 00:30:02,719
Speaker 2: yesterday I lapsed. I think I was just done, Like

678
00:30:02,760 --> 00:30:05,360
Speaker 2: I'm done with lockdown. I'm just over it in the

679
00:30:05,440 --> 00:30:07,640
Speaker 2: same way that I think so many people are. So

680
00:30:07,760 --> 00:30:11,479
Speaker 2: I ordered some tie takeaway noodles online.

681
00:30:11,520 --> 00:30:11,960
Speaker 4: Good job.

682
00:30:12,520 --> 00:30:16,840
Speaker 2: Look, I'm technically I'm still talking lunch to work, so yeah,

683
00:30:16,880 --> 00:30:21,120
Speaker 2: technically I did. But yeah, I mean I think I've

684
00:30:21,120 --> 00:30:24,400
Speaker 2: been doing well because old Victoria would never have had

685
00:30:24,440 --> 00:30:27,760
Speaker 2: cereal for lunch. She would have absolutely gone out and

686
00:30:27,800 --> 00:30:30,360
Speaker 2: gotten something. But I was like, no, I'm really committed

687
00:30:30,360 --> 00:30:32,280
Speaker 2: to this, like what's not home that I can eat.

688
00:30:32,480 --> 00:30:34,960
Speaker 2: That's also, you know, while you're working, especially at home.

689
00:30:35,000 --> 00:30:36,720
Speaker 2: I don't think I've been nearly as planned as I

690
00:30:36,760 --> 00:30:38,440
Speaker 2: would have been if I was in the office to

691
00:30:38,480 --> 00:30:41,040
Speaker 2: take my lunches to work. So I just feel like

692
00:30:42,040 --> 00:30:45,760
Speaker 2: Cereal was a good option, Like Cereal's a real lunch food, right.

693
00:30:46,400 --> 00:30:46,920
Speaker 4: I think so.

694
00:30:47,960 --> 00:30:50,720
Speaker 3: But if there's anybody listening that maybe needs a little

695
00:30:50,720 --> 00:30:53,760
Speaker 3: bit of inspo around us, some food that you can

696
00:30:53,840 --> 00:30:57,320
Speaker 3: make and some budget friendly little recipes. We've got a

697
00:30:57,320 --> 00:31:00,640
Speaker 3: bonus episode coming out tomorrow which is absolutely going to love,

698
00:31:00,680 --> 00:31:04,400
Speaker 3: which has got, you know, a special little treat coming down,

699
00:31:04,520 --> 00:31:06,840
Speaker 3: maybe a little downloadable for all of our.

700
00:31:06,720 --> 00:31:10,080
Speaker 2: Friends out there, and if you're on it, I actually

701
00:31:10,080 --> 00:31:12,320
Speaker 2: already put it on the website with the Jess. So

702
00:31:12,520 --> 00:31:15,320
Speaker 2: it's called good Food, Good Mood, and we collabed with

703
00:31:15,360 --> 00:31:18,360
Speaker 2: our friends at my Millennial Health to write it. But

704
00:31:18,480 --> 00:31:21,360
Speaker 2: it's not only good Food, Good Mood, it's all budget friendly.

705
00:31:21,680 --> 00:31:23,760
Speaker 2: So I'm really excited about it, and they did a

706
00:31:23,760 --> 00:31:26,400
Speaker 2: really good job, and we're super generous by putting it

707
00:31:26,440 --> 00:31:29,320
Speaker 2: together for us because as you know, hear it, she's

708
00:31:29,360 --> 00:31:31,960
Speaker 2: on the money. Jess and I literally love cooking, but

709
00:31:32,080 --> 00:31:34,680
Speaker 2: when we are left for our own devices, I literally

710
00:31:34,760 --> 00:31:38,080
Speaker 2: set the kitchen on fire. Like that's the nearest documentary

711
00:31:38,280 --> 00:31:41,680
Speaker 2: video proof. Yeah, it is on my Instagram for those

712
00:31:41,720 --> 00:31:44,080
Speaker 2: of you who are interested. So we actually need the

713
00:31:44,120 --> 00:31:46,720
Speaker 2: professionals like my Millennial Health to come in and tell

714
00:31:46,800 --> 00:31:49,120
Speaker 2: us what to make, and a lot of it doesn't

715
00:31:49,160 --> 00:31:51,440
Speaker 2: actually involve a gas burner, so that's pretty good.

716
00:31:53,160 --> 00:31:55,240
Speaker 3: So if you are a bit strapped for ideas for

717
00:31:55,320 --> 00:31:57,960
Speaker 3: lunches and for snacks and all of that kind of thing,

718
00:31:58,160 --> 00:32:00,160
Speaker 3: then that's going to be perfect for you. And to

719
00:32:00,240 --> 00:32:03,120
Speaker 3: our episode that's coming out tomorrow with Jess spen Love,

720
00:32:04,000 --> 00:32:06,520
Speaker 3: she kind of talks about how you can eat good

721
00:32:06,520 --> 00:32:09,840
Speaker 3: food to make your mood better, and how you can

722
00:32:09,880 --> 00:32:11,640
Speaker 3: eat certain things that are going to make you feel

723
00:32:11,680 --> 00:32:14,040
Speaker 3: better and not so crappy like when we know we've

724
00:32:14,040 --> 00:32:15,960
Speaker 3: eaten too much Uber Eats and we go, oh, I

725
00:32:16,000 --> 00:32:17,320
Speaker 3: feel a bit crap about myself.

726
00:32:17,760 --> 00:32:20,120
Speaker 2: Yeah, And she gave some really good lunch ideas on

727
00:32:20,160 --> 00:32:23,120
Speaker 2: that episode, and I absolutely did not admit to her

728
00:32:23,160 --> 00:32:25,800
Speaker 2: that I'd been eating cereal for lunch because I was like, oh, no,

729
00:32:25,920 --> 00:32:28,360
Speaker 2: I'm a god at eating good food.

730
00:32:28,480 --> 00:32:29,760
Speaker 4: I'm so smart.

731
00:32:30,160 --> 00:32:32,480
Speaker 2: And then yeah, I pretended like I was already doing

732
00:32:32,520 --> 00:32:33,880
Speaker 2: all the things that she said.

733
00:32:33,640 --> 00:32:35,480
Speaker 4: Were good to do. Yeah, was good.

734
00:32:36,120 --> 00:32:38,560
Speaker 2: But on that note, Tony, just before we head off,

735
00:32:38,600 --> 00:32:41,840
Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal

736
00:32:41,880 --> 00:32:45,440
Speaker 2: and torrest Rate Island. To people's they're the traditional custodians

737
00:32:45,440 --> 00:32:49,280
Speaker 2: of the lands, the waterways and the skies all across Australia.

738
00:32:49,320 --> 00:32:51,200
Speaker 2: We thank you for sharing and for caring for the

739
00:32:51,280 --> 00:32:53,560
Speaker 2: land on which we are able to learn with pair

740
00:32:53,640 --> 00:32:56,120
Speaker 2: respects to elders past and present, and we share our

741
00:32:56,160 --> 00:32:57,760
Speaker 2: friendship and our kindness.

742
00:32:58,440 --> 00:33:00,840
Speaker 3: The advice shared on She's on the Money is generally

743
00:33:00,920 --> 00:33:04,560
Speaker 3: nature and does not consider your individual circumstances. She's on

744
00:33:04,600 --> 00:33:07,800
Speaker 3: the Money exists purely for educational purposes and should not

745
00:33:07,840 --> 00:33:11,240
Speaker 3: be relied upon to making investment or financial decision, and

746
00:33:11,360 --> 00:33:11,880
Speaker 3: we promise.

747
00:33:12,000 --> 00:33:13,560
Speaker 4: Victoria Devine is an authorized

748
00:33:13,600 --> 00:33:18,080
Speaker 3: Representative of Australia Pacific Funds Management Proprietary Limited ABN three

749
00:33:18,160 --> 00:33:20,640
Speaker 3: four one three two four six three two five seven

750
00:33:20,840 --> 00:33:24,120
Speaker 3: AFSL three three nine one five one See next week,

751
00:33:24,200 --> 00:33:25,120
Speaker 3: guys I