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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money podcast for

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Speaker 4: millennials who want financial freedom. My name is beck Side

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Speaker 4: and Jessica Ritchie joins me today because it is Friday,

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Speaker 4: and today we celebrate you the incredible Cheese on the

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Speaker 4: Money community. Today we'll be sharing our favorite money wins.

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Speaker 4: We'll be helping to answer a juicy money dilemma which

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Speaker 4: this week is all about getting back to your savings

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Speaker 4: goals after a breakup, and we unpack something you slim

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Speaker 4: to our dms about which this week is all about

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Speaker 4: the Guild for Spending when you set yourself the goal

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Speaker 4: of a no spend month. Jessica Ritchie, how are you?

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Speaker 5: I'm good? How are you? Very good?

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Speaker 2: Thank you?

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Speaker 5: But I feel like there's somebody else we should ask

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Speaker 5: how they're doing. Because of course, we have another wonderful

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Speaker 5: guest joining us this week. We've got the wonderful Emma Edwards,

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Speaker 5: who you might also know as the Broke Generation. We

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Speaker 5: are so excited to have you here. I feel like

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Speaker 5: I have followed you soever, so I'm very excited to

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Speaker 5: have a online friend here.

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Speaker 6: Irl likewise back at you.

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Speaker 7: Yeah, great to be here. I'm so excited.

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Speaker 6: Days been a while since I've been on the STM.

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Speaker 5: I was going to say, people who have listened for

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Speaker 5: a really like og listens will remember you were on

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Speaker 5: season was it?

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Speaker 2: Season one?

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Speaker 6: Must have been season one? Do you know people still

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Speaker 6: listen to that? People aren't missing shoes on the Money

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Speaker 6: and you're in it, And I'm like, you're in the

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Speaker 6: archives space.

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Speaker 7: A while ago.

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Speaker 5: It's really cool. People when they start will often go

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Speaker 5: back to out like our very first episode ever still

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Speaker 5: gets down there, which is crazy because that's over four

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Speaker 5: years ago now. So people are loving it, we thought

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Speaker 5: it only makes sense to bring you back. Thank you,

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Speaker 5: my love this, Thank you so much for being here,

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Speaker 5: keep having me.

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Speaker 4: So do you guys want to chat about how you

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Speaker 4: were explaining because that's usually how we start. Now I

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Speaker 4: just want to I do want to say I wanted

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Speaker 4: to know with you, Jess, because I don't know if

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Speaker 4: you have context with this. But Jess recently finished a

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Speaker 4: bad luck streak, which I think, hey on to me.

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Speaker 4: But we will get to that. But anyway, Jess, how's

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Speaker 4: your week been?

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Speaker 5: Bad luck Streak's not done? I feel like I do

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Speaker 5: feel terrible that I've passed on to you. But my

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Speaker 5: car had some issues this week, which two grands later, oh,

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Speaker 5: wildly painful.

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Speaker 2: What was it?

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Speaker 5: So the youre ask you the wrong girl? Something was

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Speaker 5: leaking for sure, and also something. So I was driving

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Speaker 5: and the it just stopped accelerating, like I was driving

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Speaker 5: on a road. My foot was on the floor and

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Speaker 5: she just wasn't going, and I was like, oh no, Luckily,

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Speaker 5: like I pulled over and thankfully I could get into

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Speaker 5: an emergency lane and I just sat there for a

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Speaker 5: bit and I turned back on and it was fine.

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Speaker 5: So I got home and just like booked it right in.

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Speaker 5: Clearly something was broken. They did tell me, I just

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Speaker 5: don't remember. I'm not a car girly, as I've said before.

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Speaker 5: But yeah, two graind later, and it was extra depressing

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Speaker 5: because I had I've just completed a partnership for like

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Speaker 5: a brand campaign, and I was so excited because I'd

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Speaker 5: allocated that money to something fun and now it's paying, which,

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Speaker 5: you know, very grateful that I have that money to

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Speaker 5: pay for the car. Super thankful for that, because two

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Speaker 5: thousand dollars is so much money. But like I was

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Speaker 5: gonna buy myself a sewing machine in a film camera.

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Speaker 5: I bought myself a defibrillated Well, no that's not a

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Speaker 5: car part. That's I bought myself something to go into

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Speaker 5: the car and my house.

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Speaker 6: Your weing feed, no touchwood, no car shoes for me currently.

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Speaker 6: We got in the currently end of last year. And

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Speaker 6: like me because me and my husband Jericha, and we've

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Speaker 6: like he regularly just like stops and he's like, my

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Speaker 6: mental health is.

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Speaker 7: So much better than that.

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Speaker 6: We've got this car up because we had such an

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Speaker 6: old cart that like the second it was above twenty degrees,

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Speaker 6: you'd be like, will it start Yeah, everywhere you went,

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Speaker 6: you had to be prepared to be stuck there. So

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Speaker 6: like we never went on day trips or anything because

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Speaker 6: we're like what cut of all together can bendy go?

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Speaker 7: Imagine?

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Speaker 6: So yeah, no cur isues for me in Touch. And

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Speaker 6: I'm actually scared to say that because I'm so superstitious.

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Speaker 6: I'm like, my car's not going to start after this

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Speaker 6: episode Karlie Studio, You're look here forever. But nothing like

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Speaker 6: major bad luckwise, but I had a bad luck streak

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Speaker 6: last year, so I am you know the feels, Yeah, I.

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Speaker 7: Really have the feels.

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Speaker 6: I've been like on the kind of tale of my

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Speaker 6: book launch stuff.

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Speaker 7: So it's kind of like everything getting back to normal now.

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Speaker 2: But that's very good.

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Speaker 4: Yeah, and just for I guess like both mine and

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Speaker 4: Jess's peace of mind.

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Speaker 2: How long did this streak? Class?

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Speaker 6: Okay, I cracked a mirror seven years ago and it's

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Speaker 6: just so fun. It's hard to say because I don't

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Speaker 6: know if you relate to this, but like there were

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Speaker 6: like it was a series of unfortune and events. There

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Speaker 6: was like a health thing that was like the health anxiety,

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Speaker 6: and then the money and then there'd be you know,

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Speaker 6: something else or I'd lose a client or like a

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Speaker 6: sponsored campaign would get canceled, and I'd just be like

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Speaker 6: it was just one thing after the other. But then

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Speaker 6: it sort of it got so like embodied in my

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Speaker 6: entire personality that I just got so sick of myself

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Speaker 6: because I, I guess, through self preservation, I just started

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Speaker 6: to expect the worst. I was whenever anyone would be

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Speaker 6: like Hawaii, I'd be like, wow, yeah, not great, and

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Speaker 6: I was like, oh my well, I'm so annoying, Like

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Speaker 6: I'm just a black cloud for myself and everyone. So

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Speaker 6: I flipped it like the last quarter of last year

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Speaker 6: and decided to embrace this mindset that I call the

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Speaker 6: Millhouse mindset. You know, a Millhouse from the It's all

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Speaker 6: coming up Millhouse. I was like I went into every

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Speaker 6: week being like it is all coming up Millhouse is

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Speaker 6: all coming up my house, and anything that happened, I

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Speaker 6: just like tried to you know Bordline toxic positivity, but.

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Speaker 7: You know, we try. It was the depths of hell.

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Speaker 6: I just like tried to flip it somehow, Like I

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Speaker 6: had to get like a scan on my foot, which

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Speaker 6: was expensive because I had like previously broken it. But

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Speaker 6: then it ended up not being broken. So I was like,

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Speaker 6: it's not broken.

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Speaker 7: Rather than being like that was three hundred dollars and

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Speaker 7: it wasn't even broken. I was like, it's not broken. Yeamy,

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Speaker 7: everything's great. It kind of worked, honestly, so that, Yeah.

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Speaker 5: It's the psychology of at all. And I'm excited to

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Speaker 5: talk to you more about that because you touch on

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Speaker 5: that in your book a little bit. But it's the

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Speaker 5: It's totally and I think I've said as well on

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Speaker 5: the pod because I've been on that street. I've said, oh,

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Speaker 5: I'm being such a downer and I'm just not gonna

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Speaker 5: be that person anymore.

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Speaker 7: Especially with money.

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Speaker 6: You really feel like, oh, well is me everything sucks

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Speaker 6: every time anybody does on the thing, You're like, well,

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Speaker 6: it must be not.

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Speaker 5: Yeah, and everything seems so much bigger and more compounded.

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Speaker 5: So I totally get that. All that to be said

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Speaker 5: not to tend to track from your difficult week.

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Speaker 6: I'm not going to toxic positivity.

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Speaker 4: I've toxic positivity myself. So I wasn't fortually made redundant

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Speaker 4: earlier in the month. And I think at first because

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Speaker 4: I obviously like love this company, and I loved my job,

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Speaker 4: and I love the people, but I definitely do not

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Speaker 4: love you guys.

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Speaker 5: I'm sure there are people listening who just met Oh

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Speaker 5: my god, when's she leaving?

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Speaker 4: True? No, we should say, oh, sorry, yes I do.

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Speaker 4: I have a video producer role. I had, sorry past tens,

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Speaker 4: a video producer role, and then also was on this podcast.

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Speaker 2: But I'm staying here. But I just was made, unfortunately

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Speaker 2: redundant from that role.

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Speaker 4: And I think that, you know, I had no intention

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Speaker 4: of ever, ever, ever leaving that role in this company,

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Speaker 4: and so I was kind of like, you know, very sad.

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Speaker 4: But speaking of like shifting your mindset, I have kind

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Speaker 4: of been like, well, I was never.

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Speaker 2: Going to leave this place.

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Speaker 4: Maybe, and I don't think that everything happens for a reason.

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Speaker 4: I feel like maybe that's a really privileged way to think.

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Speaker 4: It's more so I wasn't going.

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Speaker 2: To do it.

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Speaker 4: Maybe it was the world is telling me that I

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Speaker 4: needed trajectory somehow.

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Speaker 2: I don't know.

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Speaker 4: Anyway, for those listening, if you have a job going,

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Speaker 4: let me know, but that's on that. But otherwise, I

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Speaker 4: feel like the rest of the world, the rest of

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Speaker 4: life is going great.

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Speaker 2: It's gone great, and you're.

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Speaker 5: Doing very well. They've been made I've been made, have

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Speaker 5: done it before, and it just is an awful feeling.

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Speaker 5: Like as much as it is so not a you thing,

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Speaker 5: ninety percent of the time, like, it just is not

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Speaker 5: a nice feeling at all. So I'm really sorry that

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Speaker 5: that's happening. But I'm very impressed with how positive you are.

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Speaker 5: Thank you. That's so Nice's away? Oh my goodness.

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Speaker 4: But anyway, speaking of that money loss, Jess, do you

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Speaker 4: have any money wins to brighten up the mood?

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Speaker 5: Absolutely? I do. We've had some good ones this week. Firstly,

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Speaker 5: I've got one from Kaylor who said I did a

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Speaker 5: challenge to earn an extra two thousand dollars on top

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Speaker 5: of my pay in a week, and I achieved it.

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Speaker 5: I took into account a lot of tips that I've

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Speaker 5: seen through different pots in the group, and I'm really

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Speaker 5: proud that I made it happen. Amazing to rate in

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Speaker 5: a week is wild, right now, give us a good point.

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Speaker 5: If I could do that twice, it would be fantastic.

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Speaker 5: Then I've got a win from Katie who said Cadbury

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Speaker 5: cream eggs were on special thirty three percent off stockpiled appropriately.

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Speaker 5: I'm heading into the late stages of finishing off my

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Speaker 5: PhD and they are an essential And I just want

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Speaker 5: to say that there's a lot of support under her

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Speaker 5: post for how essential those Cadbury cream eggs are. We

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Speaker 5: love that. Yeah, PhD, good on you, I know, very impressive.

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Speaker 5: Whatever gets you through, I think is just you do

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Speaker 5: what you got to do, my queen. Next, I've got

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Speaker 5: a money win from Jessica, who said great name. I

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Speaker 5: realized on Friday that passed me had added money to

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Speaker 5: my daughter's school payment app, so I didn't need to

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Speaker 5: find money for a lunch order this week. Oh I

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Speaker 5: didn't even know that. Like that seems very high tech

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Speaker 5: to me.

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Speaker 6: I all the like my mother enormoss re nor teachers

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Speaker 6: and like the tech. Now I'm like, my kids get

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Speaker 6: uber EA's to school, do they?

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Speaker 5: Wow?

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Speaker 3: Wow?

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Speaker 2: Wow?

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Speaker 5: I remember our lunch order was literally a brown paper

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Speaker 5: back wrote and you chucked the coin there and you

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Speaker 5: hoped that none spilled and got lost, or you've been

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Speaker 5: debt to the canteen.

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Speaker 2: They bring out the milk crate.

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Speaker 5: Oh my gosh, very cool. Well done past you for

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Speaker 5: looking out for future you. Next, I've got money win

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Speaker 5: from Lucy who said money win and delayed gratification. I've

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Speaker 5: been running a particular French linen top from Witchery for

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Speaker 5: a while now. It normally retails for one hundred and

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Speaker 5: eighty dollars, but I just bought it on sale for

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Speaker 5: fifty bucks. Purchased it through Quantus Shopping, so I got

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Speaker 5: four points per dollar spend. So she also got four

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Speaker 5: times points on that. That's like two hundred points huge.

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Speaker 5: Just goes to show Victoria's favorite thing. Put what is it?

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Speaker 5: Twenty four hours between you and your spending and you

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Speaker 5: never know. And then next I've got a win from Cat,

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Speaker 5: who said yesterday was the last day of summer season

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Speaker 5: at our local swimming pool rip summer. I'm so sorry.

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Speaker 5: I don't know about anybody else mourning the loss of

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Speaker 5: the sun.

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Speaker 2: I am very happy vascially, but I'm sorry for your.

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Speaker 5: Lost Thanks so much, she said. They bought a season

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Speaker 5: pass for one hundred and twenty five dollars for the

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Speaker 5: family in December. They used the pas a total of

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Speaker 5: twenty times, which would have cost them three hundred and

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Speaker 5: eighty dollars if they had paid each time that they

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Speaker 5: went in for an individual visit. So they save two

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Speaker 5: twenty five by having a pass to the pool, which

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Speaker 5: is about six bucks per session instead of nineteen. Great.

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Speaker 5: I just wanted to say I really like the idea

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Speaker 5: of looking back at how many you use, because I

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Speaker 5: think a lot of the time we all get sucked

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Speaker 5: into like those passes that make things cheaper, or the

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Speaker 5: bulk discount on the polarate sessions, or you know, whatever

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Speaker 5: it might be, and you go, oh, that's a deal,

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Speaker 5: like I'm going to get the deal. Then you don't

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Speaker 5: use it and you're actually paying three times the price.

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Speaker 6: Yes, because that's something to be said when you do

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Speaker 6: the parting with the money up front. Yeah, you don't

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Speaker 6: have the like accountability like for some I think it

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Speaker 6: depends on your brain works. Some people are like I

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Speaker 6: want to get my money's worse, yes, whereas I'm a

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Speaker 6: bit like, oh my commitment's kind of run out.

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Speaker 5: Now, yeah, like the money's gone.

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Speaker 6: Yeah, so it's like, oh, well it doesn't really matter

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Speaker 6: if I go or not, which is.

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Speaker 2: Yeah, I know you mean.

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Speaker 5: Yeah, so really good good one from Cat. They reflect

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Speaker 5: on those little bolt purchases if you do them, to

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Speaker 5: see if you are in fact getting your money's worth.

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Speaker 5: And then lastly, I've got a money win from Shani

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Speaker 5: who said I did a live chat with Optus asking

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Speaker 5: for a discount on my plan. The first person said

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Speaker 5: that they couldn't help. But I just gave it another

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Speaker 5: crack and I got somebody else who gave me ten

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Speaker 5: bucks off a month for twelve months, one hundred and

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Speaker 5: twenty dollars win.

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Speaker 2: This is my way.

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Speaker 7: I do this all the time.

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Speaker 6: They must have like a like dartboard with my face

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Speaker 6: on it. I'm in the live chat regularly.

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Speaker 5: They never told me no, though I tell me no.

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Speaker 5: If they say no, just give it another cry. Someone

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Speaker 5: asked you, what's the harm? They're there to help rat?

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Speaker 5: Now now we have been asking our guests when they

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Speaker 5: come on to share a little money when not a

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Speaker 5: confession of their own. If you happen to have one.

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Speaker 6: I do excellent. It's kind of a money loss, but

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Speaker 6: then it turns into a money win.

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Speaker 7: It's okay, quite.

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Speaker 5: A journey, the journey. Love it.

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Speaker 6: So a couple of weeks ago I went up to

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Speaker 6: Sydney to do like a speaking thing, which was obviously

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Speaker 6: like heavy on the anxiety for me because I do

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Speaker 6: a lot of panels, but like I don't do a

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Speaker 6: whole lot of like keynote speaking, So I was super

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Speaker 6: excited to do it. I was prepared, but I was

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Speaker 6: like practicing a lot. I practiced and got so anxious

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Speaker 6: about practicing so much that I did not think about

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Speaker 6: an outfit. And I'd been so busy doing other stuff

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Speaker 6: with my book. I was just like on the morning of,

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Speaker 6: like I was flying up the date before. So the

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Speaker 6: morning I was flying, I was packing my suitcase and

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Speaker 6: I was like, oh my god, I haven't though about

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Speaker 6: what I'm gonna wear. Like this has to be it

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Speaker 6: was like in a corporate setting. So I was like,

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Speaker 6: this has to be a sleigh. And then I was like, okay,

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Speaker 6: I'll wear this and there was just cat hair all

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Speaker 6: over it. I couldn't find my roller.

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Speaker 7: I tried. I put it in the wash, it came out.

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Speaker 7: I was still there. Okay.

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Speaker 6: So time was a ticking and I was like, I

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Speaker 6: need to do another go over of my presentation. I

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Speaker 6: was going to record it on my voice memo so

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Speaker 6: I could listen to it on the plane. I had

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Speaker 6: it all planned out, and I was like, right, I'm

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Speaker 6: going to make the executive decision that I'm going to

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Speaker 6: have this hour to practice my speech and I will

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Speaker 6: find something to wear when I get to Sydney, I

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Speaker 6: took something obviously, I didn't go with absolutely nothing. I

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Speaker 6: took something I could wear, but it wasn't ideal. So

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Speaker 6: then I get to Sydney and I scramble over to

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Speaker 6: like Anhelam country road all that stuff's trying to plan something.

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Speaker 6: The loss is that what I ended up finding. Like,

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Speaker 6: there was lots of things I could have worn, and

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00:14:00,720 --> 00:14:02,280
Speaker 6: there were sales on at that point, so it was great,

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00:14:02,640 --> 00:14:06,120
Speaker 6: but lots of stuff not in my size excel girly

337
00:14:06,360 --> 00:14:08,920
Speaker 6: not a lot left. Usually a sleigh because most people

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Speaker 6: aren't buying size, but not this time. So I ended

339
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Speaker 6: up getting a dress and like a little sleeveless jacket

340
00:14:15,600 --> 00:14:19,920
Speaker 6: that all up was three hundred dollars. I know, money loss,

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00:14:20,000 --> 00:14:21,760
Speaker 6: but I was like, whatever, you know, it works out

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Speaker 6: for what of being paid for the thing anyway. So

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Speaker 6: then I'm getting ready the next morning and I'm like,

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Speaker 6: this is a sleigh. It was kind of worth the money.

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Speaker 6: I'm actually really vibing this jacket. I'm gonna wear it again.

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Speaker 6: I realized that the dress is like malfunctioning, like it's

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00:14:34,560 --> 00:14:36,840
Speaker 6: it's faulty somehow, but it doesn't matter because I'm wearing

348
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Speaker 6: the jacket, so I'm like sick.

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Speaker 5: So I go back in after I've already worn.

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Speaker 6: It to the event because I had to because I

351
00:14:43,280 --> 00:14:44,800
Speaker 6: had to run off and go to the event. And

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Speaker 6: I was like, this, I think is faulty. I don't

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Speaker 6: think it's meant to be like this, and she was like,

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Speaker 6: oh no, it's not. Let me give you your money back.

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Speaker 6: So I got to wear perfect and then I got

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Speaker 6: my money back.

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Speaker 5: Yes, so good, really said I had your back on

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00:14:57,640 --> 00:14:58,000
Speaker 5: that one.

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Speaker 6: Yeah, it was really coming up millhe for me, because yeah,

360
00:15:01,480 --> 00:15:02,880
Speaker 6: it was really I didn't want to. I was thinking,

361
00:15:02,880 --> 00:15:04,440
Speaker 6: I first about one hundred and fifty, this is fine,

362
00:15:04,480 --> 00:15:06,400
Speaker 6: it's something I can wear again. But like three hundred,

363
00:15:06,400 --> 00:15:09,280
Speaker 6: I was like, whereas now, like the jacket was fine,

364
00:15:09,320 --> 00:15:11,120
Speaker 6: it was half priced, it was pretty good film, but

365
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Speaker 6: I didn't have to pay.

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Speaker 5: For the dress.

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Speaker 2: That's so good.

368
00:15:12,920 --> 00:15:14,360
Speaker 4: And do you feel like you would have not worn

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00:15:14,440 --> 00:15:15,840
Speaker 4: it again? It was like one of those things that

370
00:15:15,920 --> 00:15:16,520
Speaker 4: you I mean.

371
00:15:16,400 --> 00:15:19,200
Speaker 6: I would have, but it was faulty, so I couldn't have. Really,

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00:15:19,240 --> 00:15:21,240
Speaker 6: it was like a weird, rushing thing that wasn't going

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00:15:21,320 --> 00:15:22,560
Speaker 6: to be doing. But you know, I was a bit

374
00:15:22,640 --> 00:15:24,360
Speaker 6: kind of like this must be faulty. It wasn't like

375
00:15:24,400 --> 00:15:26,840
Speaker 6: abundantly obvious that it was faulty, so it was a

376
00:15:26,840 --> 00:15:27,400
Speaker 6: bit of a shame.

377
00:15:27,440 --> 00:15:29,840
Speaker 7: But like I didn't, I didn't need it needed it

378
00:15:30,880 --> 00:15:31,440
Speaker 7: worked out.

379
00:15:31,680 --> 00:15:34,520
Speaker 2: That is so good. It was a journey pray for

380
00:15:34,600 --> 00:15:36,440
Speaker 2: a faulty dress, I think.

381
00:15:36,520 --> 00:15:38,480
Speaker 4: And if you're calling out in your kind of stress

382
00:15:38,560 --> 00:15:40,640
Speaker 4: and you go to like some sort of event, I'm

383
00:15:40,640 --> 00:15:42,440
Speaker 4: going to a wedding suit and I'm going to pray

384
00:15:42,800 --> 00:15:45,760
Speaker 4: for fault held everything, just like a tiny fault that

385
00:15:45,800 --> 00:15:48,080
Speaker 4: you can't really see with the untrained eye.

386
00:15:48,280 --> 00:15:54,080
Speaker 5: Yeah, but enough to I broke for thenk that.

387
00:15:55,800 --> 00:15:58,120
Speaker 4: We always I love how we always find a unique

388
00:15:58,160 --> 00:16:00,360
Speaker 4: way to segue into my brogue tips and that that

389
00:16:00,480 --> 00:16:04,000
Speaker 4: was actually perfect. Okay, so broke tips for this week.

390
00:16:04,120 --> 00:16:06,120
Speaker 4: As always, I do have one from the community, one

391
00:16:06,160 --> 00:16:08,480
Speaker 4: for myself and am I. If you're comfortable, we'll get

392
00:16:08,480 --> 00:16:12,760
Speaker 4: you to share one last you if you have one ready, Yeah, amazing, amazing, Okay,

393
00:16:12,800 --> 00:16:14,560
Speaker 4: here we go. Okay, So the first one from the

394
00:16:14,560 --> 00:16:17,960
Speaker 4: community comes from Bridget who says that Continental Mushroom cup

395
00:16:18,000 --> 00:16:21,000
Speaker 4: of soup makes a good cheap pasta sauce. Just put

396
00:16:21,040 --> 00:16:22,880
Speaker 4: some olive oil in a pan add one or two

397
00:16:22,880 --> 00:16:25,640
Speaker 4: sachets of soup, then stir in milk with a fork

398
00:16:25,800 --> 00:16:28,080
Speaker 4: until the sauce is as sick as you want. You

399
00:16:28,120 --> 00:16:30,920
Speaker 4: can also add cooked mushroom or chicken, but it's good

400
00:16:31,000 --> 00:16:31,520
Speaker 4: by itself.

401
00:16:31,520 --> 00:16:33,680
Speaker 2: With pasta, that's great. That's probably like a.

402
00:16:34,120 --> 00:16:36,600
Speaker 4: I don't know, I'm doing quick math here, but maybe

403
00:16:36,720 --> 00:16:38,840
Speaker 4: two dollars fifty meal, you know what I mean?

404
00:16:39,080 --> 00:16:39,520
Speaker 5: Yeah? Good.

405
00:16:39,560 --> 00:16:42,720
Speaker 6: This is like a subreddit of this is you use

406
00:16:42,760 --> 00:16:44,160
Speaker 6: it with rice and it's a risotto.

407
00:16:44,440 --> 00:16:47,560
Speaker 4: Oh yeah, someone did mention, did you we've had that

408
00:16:47,600 --> 00:16:48,840
Speaker 4: before one?

409
00:16:49,560 --> 00:16:49,840
Speaker 8: I think.

410
00:16:49,880 --> 00:16:52,520
Speaker 4: She also recommended the cup of soup, which is a

411
00:16:52,560 --> 00:16:53,800
Speaker 4: great idea because.

412
00:16:53,560 --> 00:16:57,000
Speaker 6: They're really good for like office lunches. But like if

413
00:16:57,000 --> 00:16:59,120
Speaker 6: you ever look at like the nutritional info of soup,

414
00:16:59,200 --> 00:17:03,120
Speaker 6: like it's giving keytost tart a pack, like there's no calories,

415
00:17:04,000 --> 00:17:06,359
Speaker 6: which for me, you know, I need like a decent meal.

416
00:17:06,800 --> 00:17:09,160
Speaker 7: I'm hungry me. So it's like I love, especially in winter,

417
00:17:09,240 --> 00:17:10,520
Speaker 7: soup is so good, but.

418
00:17:10,440 --> 00:17:12,840
Speaker 6: There's not really it's not really enough, whereas bung in

419
00:17:12,920 --> 00:17:16,639
Speaker 6: some microwave rice perfect, you pay your.

420
00:17:16,520 --> 00:17:18,000
Speaker 7: Desk, it's non perishable.

421
00:17:18,600 --> 00:17:19,919
Speaker 5: I was gonna say that's a good one to have

422
00:17:19,960 --> 00:17:21,760
Speaker 5: like in your pantry. It's just like the weeks that

423
00:17:21,840 --> 00:17:24,080
Speaker 5: you're really skinned all the weeks, all the nights. So

424
00:17:24,200 --> 00:17:26,080
Speaker 5: you just go, I can't be bothered. Chuck a cup

425
00:17:26,119 --> 00:17:27,000
Speaker 5: of suit, chuck of rice.

426
00:17:27,080 --> 00:17:30,160
Speaker 7: Yeah done, dangerously close to ordering a bery.

427
00:17:30,320 --> 00:17:34,560
Speaker 5: Yeah. Perfect, that's a good one.

428
00:17:34,720 --> 00:17:37,239
Speaker 4: The shift though, from like scrolling on uber ey, it's

429
00:17:37,240 --> 00:17:38,960
Speaker 4: to me like I'm just going to coming home. The

430
00:17:39,040 --> 00:17:42,359
Speaker 4: mental shift is really a struggle. So congratulations to anyone

431
00:17:42,560 --> 00:17:46,920
Speaker 4: that has successfully done that. Okay, so my personal broke tip.

432
00:17:47,240 --> 00:17:49,080
Speaker 2: I don't know if you guys, this is probably more of.

433
00:17:49,000 --> 00:17:51,600
Speaker 4: A Melbourne based thing. I do apologize for anyone listening

434
00:17:51,640 --> 00:17:54,760
Speaker 4: outside of Melbourne. Hawthorne have a cinema called Lido Cinema.

435
00:17:54,840 --> 00:17:55,959
Speaker 2: Have you guys heard of this one?

436
00:17:56,320 --> 00:17:58,399
Speaker 4: Well, if you sign up, if you become a member

437
00:17:58,400 --> 00:18:02,640
Speaker 4: basically and to my knowledge, it's free. You often receive

438
00:18:02,720 --> 00:18:04,480
Speaker 4: either in your inbox or you can just like jump

439
00:18:04,520 --> 00:18:05,119
Speaker 4: on their website.

440
00:18:05,119 --> 00:18:05,880
Speaker 2: There's usually like.

441
00:18:05,880 --> 00:18:09,440
Speaker 4: One dollar tickets or really just really really cheap things

442
00:18:09,480 --> 00:18:10,679
Speaker 4: that they're giving away.

443
00:18:10,800 --> 00:18:12,200
Speaker 2: Every couple of weeks or so.

444
00:18:12,240 --> 00:18:14,040
Speaker 4: You might find that you have like a one dollar

445
00:18:14,040 --> 00:18:16,359
Speaker 4: ticket in your inbox, and I just I think that's

446
00:18:16,400 --> 00:18:18,159
Speaker 4: a great idea, especially if you still want to, like

447
00:18:18,320 --> 00:18:20,080
Speaker 4: if you are broke, but you still want to kind

448
00:18:20,119 --> 00:18:22,359
Speaker 4: of like go out and do things and you know,

449
00:18:22,800 --> 00:18:24,840
Speaker 4: have fun like the rest of the world, Like you

450
00:18:25,080 --> 00:18:28,840
Speaker 4: can do that with leader and I'm sure there's an

451
00:18:28,840 --> 00:18:32,480
Speaker 4: equivalent in other states and territories, but just have a

452
00:18:32,840 --> 00:18:33,480
Speaker 4: little pruse.

453
00:18:34,000 --> 00:18:35,560
Speaker 2: But anyway, that's me em.

454
00:18:35,800 --> 00:18:38,399
Speaker 4: I would love to hear your broke teap if you're awesome,

455
00:18:38,480 --> 00:18:39,280
Speaker 4: Thank you so much.

456
00:18:39,520 --> 00:18:41,639
Speaker 6: Well, so I had one that's like a saving step

457
00:18:41,680 --> 00:18:43,879
Speaker 6: just that I've been using recently. Yes, that has just

458
00:18:43,960 --> 00:18:48,320
Speaker 6: been very helpful for me. So last year I bought

459
00:18:48,400 --> 00:18:52,320
Speaker 6: tickets to Teleswift Ears tour obviously, of course, and I

460
00:18:52,440 --> 00:18:55,840
Speaker 6: also bought tickets to see Simple Plan because besides my

461
00:18:55,840 --> 00:18:59,960
Speaker 6: personality just one day because so I got a Simple Plan.

462
00:19:00,119 --> 00:19:02,439
Speaker 6: Yeah cool, I'm into it. But the Boys Like Girls

463
00:19:02,560 --> 00:19:03,640
Speaker 6: is supporting.

464
00:19:03,240 --> 00:19:06,199
Speaker 5: Oh my god. I loved Boys Like Girls when I

465
00:19:06,200 --> 00:19:07,800
Speaker 5: was a teenager, so good.

466
00:19:07,840 --> 00:19:09,720
Speaker 6: And I saw them last year in a show that

467
00:19:09,760 --> 00:19:13,480
Speaker 6: had been delayed from like twenty twenty I think, and

468
00:19:13,680 --> 00:19:15,000
Speaker 6: the friend I was supposed to go to she couldn't

469
00:19:15,000 --> 00:19:16,520
Speaker 6: come anyway. She was like, they're supporting some more plant

470
00:19:16,600 --> 00:19:19,240
Speaker 6: let's go. So also did that and also in the

471
00:19:19,280 --> 00:19:21,520
Speaker 6: third dimension of my personality where I'm like the most

472
00:19:21,520 --> 00:19:23,919
Speaker 6: basic bitch of all time. I also bought Coldplay tickets.

473
00:19:24,320 --> 00:19:24,960
Speaker 5: Yeah, I love it.

474
00:19:25,280 --> 00:19:25,800
Speaker 1: I just can't.

475
00:19:26,440 --> 00:19:27,399
Speaker 7: I just can't explain it.

476
00:19:27,400 --> 00:19:31,440
Speaker 6: It's good, but I was like, ooh, okay, not loving these,

477
00:19:31,480 --> 00:19:33,160
Speaker 6: Like you know, with tickets, you've got to be so immediate,

478
00:19:33,200 --> 00:19:34,800
Speaker 6: like you've got to be on it because you can't

479
00:19:34,840 --> 00:19:35,920
Speaker 6: be like I'm going to think about.

480
00:19:35,720 --> 00:19:37,760
Speaker 5: It like a six minute timeatting down on the.

481
00:19:37,680 --> 00:19:40,400
Speaker 6: Screen, stressing and like that makes you want it more

482
00:19:40,800 --> 00:19:43,160
Speaker 6: as well. Right, So what I did at the start

483
00:19:43,200 --> 00:19:45,720
Speaker 6: of this year is every week I'm just kicking fifteen

484
00:19:45,760 --> 00:19:48,560
Speaker 6: dollars into which you know, maybe I should be doing more.

485
00:19:48,600 --> 00:19:50,120
Speaker 6: But that's kind of where I'm at in terms of

486
00:19:50,160 --> 00:19:51,480
Speaker 6: the people I think I might want to go and see.

487
00:19:51,520 --> 00:19:54,600
Speaker 6: I'm not like crazy into artists, into a separate saver

488
00:19:55,040 --> 00:19:57,840
Speaker 6: called I will not be bankrupted by concert tickets so

489
00:19:58,160 --> 00:20:01,280
Speaker 6: that when tickets drop, either got all of the money

490
00:20:01,359 --> 00:20:03,200
Speaker 6: or I've got some of the money and it already worked.

491
00:20:03,240 --> 00:20:05,440
Speaker 6: Because I don't know if anyone follows Christopher Hall on

492
00:20:05,720 --> 00:20:09,120
Speaker 6: TikTok or Instagram's a comedian out, Okay, he's coming to Australia,

493
00:20:09,160 --> 00:20:10,400
Speaker 6: and I was like, oh my god, I really want

494
00:20:10,400 --> 00:20:12,040
Speaker 6: to go, but like they're the ones that will get you.

495
00:20:12,119 --> 00:20:12,320
Speaker 7: Yeah.

496
00:20:12,320 --> 00:20:14,560
Speaker 6: So they're like fifty sixty seventy dollars. They're not that

497
00:20:14,760 --> 00:20:19,560
Speaker 6: expensive compared to eras for example, but like it adds up.

498
00:20:21,040 --> 00:20:22,840
Speaker 6: And I had the money there and I was like

499
00:20:22,880 --> 00:20:24,560
Speaker 6: this is so good because I'm not like, oh I

500
00:20:24,560 --> 00:20:26,240
Speaker 6: want to go but I can't afford it. Oh I

501
00:20:26,280 --> 00:20:28,119
Speaker 6: bought them, but I feel really guilty. Like I was like,

502
00:20:28,240 --> 00:20:31,280
Speaker 6: got the money, let's go, so excited. My friend's got

503
00:20:31,280 --> 00:20:34,560
Speaker 6: her ticket to So saving up for stuff before you

504
00:20:34,640 --> 00:20:36,600
Speaker 6: need it is that, I guess the umbrella tip.

505
00:20:36,720 --> 00:20:37,199
Speaker 5: I love it.

506
00:20:38,320 --> 00:20:40,840
Speaker 4: Yeah, that's such a great idea, and like things like

507
00:20:40,920 --> 00:20:43,000
Speaker 4: that where it's like either maybe say you want to

508
00:20:43,000 --> 00:20:44,560
Speaker 4: go to the movies once a month or something like that,

509
00:20:44,640 --> 00:20:46,360
Speaker 4: just like putting that away so you don't feel so.

510
00:20:46,480 --> 00:20:50,440
Speaker 7: Guilty for spontaneity, mission to be spontaneous.

511
00:20:50,560 --> 00:20:52,639
Speaker 5: Yeah, oh I like that a lot. Saving up for spontaneous.

512
00:20:52,640 --> 00:20:53,120
Speaker 2: I love that.

513
00:20:53,280 --> 00:20:56,280
Speaker 6: Also another saver called Captain Spontaneous, which is saving up

514
00:20:56,280 --> 00:20:58,640
Speaker 6: for a spontaneous trip because I really.

515
00:20:58,520 --> 00:20:59,000
Speaker 7: Want to do that.

516
00:20:59,000 --> 00:21:00,720
Speaker 5: Thing where you get let's just should we go now?

517
00:21:00,800 --> 00:21:02,000
Speaker 5: Let's go now?

518
00:21:02,760 --> 00:21:04,879
Speaker 6: But then I always I'm like, because obviously I'm a

519
00:21:04,880 --> 00:21:07,320
Speaker 6: finance caning, I'm obviously like a a better not or

520
00:21:07,359 --> 00:21:09,240
Speaker 6: it's a bit expensive, or it'd be cheaper if we

521
00:21:09,240 --> 00:21:11,440
Speaker 6: book it in advance, But then you miss out on

522
00:21:11,440 --> 00:21:14,800
Speaker 6: the opportunity to do so. It's like preparing for spontaneity,

523
00:21:14,840 --> 00:21:16,280
Speaker 6: which I guess is not really the same thing, but

524
00:21:16,320 --> 00:21:18,360
Speaker 6: we like financially safe spontaneity.

525
00:21:18,720 --> 00:21:20,280
Speaker 5: My god, I need you to go through my bank

526
00:21:20,280 --> 00:21:22,080
Speaker 5: act and just name my different savers.

527
00:21:22,920 --> 00:21:23,520
Speaker 7: Is so fun.

528
00:21:24,600 --> 00:21:25,240
Speaker 2: I'm going to start.

529
00:21:25,600 --> 00:21:27,680
Speaker 4: Those are the exact two things that I want to

530
00:21:27,680 --> 00:21:29,840
Speaker 4: be saving. I just wanna be like sat on my

531
00:21:29,880 --> 00:21:31,520
Speaker 4: couch one day and be like talking to my girlfriend

532
00:21:31,560 --> 00:21:33,800
Speaker 4: and be like, hey, should we like literally right now

533
00:21:33,880 --> 00:21:36,000
Speaker 4: go to la Yeah, you know what I mean. That'd

534
00:21:36,040 --> 00:21:38,600
Speaker 4: be so fun. Anyway, let's go for a quick break.

535
00:21:38,680 --> 00:21:40,480
Speaker 4: And on the flip side, we're going to be discussing

536
00:21:40,680 --> 00:21:43,040
Speaker 4: getting back to your savings goals after a breakup.

537
00:21:46,880 --> 00:21:49,119
Speaker 2: Welcome back everyone, here's our money dilemma.

538
00:21:51,320 --> 00:21:53,639
Speaker 8: Hi, there have you got a money dilemma you just

539
00:21:53,720 --> 00:21:56,240
Speaker 8: can't solve the She's on the Money Team is here

540
00:21:56,280 --> 00:21:59,480
Speaker 8: to help. Every week, we tackle your dilemmas, both big

541
00:21:59,560 --> 00:22:02,280
Speaker 8: and small, to answer your most burning money, career and

542
00:22:02,320 --> 00:22:05,520
Speaker 8: life questions. To get involved, simply head to our website

543
00:22:05,560 --> 00:22:07,680
Speaker 8: and leave us a short voice recording and you might

544
00:22:07,720 --> 00:22:10,280
Speaker 8: just find yourself on the show. Now, let's take a

545
00:22:10,320 --> 00:22:13,240
Speaker 8: listen to this week's money dilemma.

546
00:22:13,440 --> 00:22:16,080
Speaker 3: Hi guys, I have a bit of a money situation.

547
00:22:16,160 --> 00:22:18,000
Speaker 3: I'm really hoping that I can get some advice on

548
00:22:18,080 --> 00:22:21,840
Speaker 3: this situation. I have recently ended an engagement with my

549
00:22:21,920 --> 00:22:24,520
Speaker 3: fiance as I found out there was a bit of

550
00:22:24,560 --> 00:22:29,840
Speaker 3: an infidelity and together we had some really good earned savings.

551
00:22:29,359 --> 00:22:31,800
Speaker 5: And we had quite a lot of goals for our future.

552
00:22:32,200 --> 00:22:35,639
Speaker 3: However, I've been single for now, just going on six months,

553
00:22:35,800 --> 00:22:39,280
Speaker 3: and I have burned a lot of cash to be honest,

554
00:22:39,640 --> 00:22:43,359
Speaker 3: with buying things and just doing things that have brought

555
00:22:43,400 --> 00:22:45,680
Speaker 3: me joy in this really, really tough time that I

556
00:22:45,760 --> 00:22:48,280
Speaker 3: never thought i'd have to go through. And obviously I've

557
00:22:48,280 --> 00:22:51,439
Speaker 3: been incredibly low and that's obviously spurred on me buying

558
00:22:51,560 --> 00:22:55,960
Speaker 3: just things that I don't necessarily need. So I would

559
00:22:56,000 --> 00:23:00,639
Speaker 3: really appreciate some advice to get back onto the savings bandwagon.

560
00:23:00,840 --> 00:23:04,560
Speaker 5: Any advice would be very very helpful. Thanks.

561
00:23:04,920 --> 00:23:06,320
Speaker 2: Ah, this is such a tough one.

562
00:23:06,520 --> 00:23:08,320
Speaker 4: I mean, obviously when it comes to like money, I'm

563
00:23:08,359 --> 00:23:12,520
Speaker 4: not the expert just by being on a finance podcast,

564
00:23:12,560 --> 00:23:16,080
Speaker 4: but I would say to our listener firstly, obviously, and

565
00:23:16,200 --> 00:23:19,119
Speaker 4: I'm sure you're doing this hopefully to some extent, but

566
00:23:19,320 --> 00:23:22,080
Speaker 4: just you know, making sure that you're healing your heart

567
00:23:22,080 --> 00:23:24,600
Speaker 4: and soul because a breakup is really really tough and

568
00:23:24,640 --> 00:23:29,080
Speaker 4: it's not the time to be I don't know about everyone,

569
00:23:29,119 --> 00:23:31,639
Speaker 4: but for myself personally, when I'm like in a situation

570
00:23:31,640 --> 00:23:33,440
Speaker 4: where I'm like going through a breakup.

571
00:23:33,119 --> 00:23:35,760
Speaker 2: And my heart and my head and my.

572
00:23:35,359 --> 00:23:39,760
Speaker 4: Body is just so sore and sad and empty and grieving,

573
00:23:40,560 --> 00:23:43,639
Speaker 4: I'm not like, how can I make myself better today?

574
00:23:43,680 --> 00:23:47,320
Speaker 4: I'm more just like I'm gonna set some time to

575
00:23:47,400 --> 00:23:49,440
Speaker 4: be a little bit self destructive.

576
00:23:49,520 --> 00:23:51,760
Speaker 2: Not so much that I'll you know, come out of

577
00:23:51,800 --> 00:23:52,800
Speaker 2: the other end and be.

578
00:23:52,800 --> 00:23:54,919
Speaker 4: Like, wow, my life is really messed up, but just

579
00:23:55,000 --> 00:23:56,960
Speaker 4: more so like I'm going to do everything that makes

580
00:23:57,000 --> 00:23:59,000
Speaker 4: me feel good right now, and I'll set a little

581
00:23:59,000 --> 00:24:02,680
Speaker 4: timer for that, like this week self destruction week. Next

582
00:24:02,720 --> 00:24:07,520
Speaker 4: week I'll kind of think about how I can you know,

583
00:24:07,680 --> 00:24:11,200
Speaker 4: move forward, but I think just like really just taking

584
00:24:11,200 --> 00:24:13,800
Speaker 4: care of yourself and making sure your heart and your

585
00:24:14,240 --> 00:24:17,720
Speaker 4: mind and your body and your spirit is being taken

586
00:24:17,760 --> 00:24:20,760
Speaker 4: care of before that. But you know, again I'm not

587
00:24:20,760 --> 00:24:22,919
Speaker 4: the finance expert and what you came me for and

588
00:24:23,000 --> 00:24:26,560
Speaker 4: I've not given you any advice, so that's me. But

589
00:24:26,600 --> 00:24:29,359
Speaker 4: do you guys have any better financial tips or anything

590
00:24:29,359 --> 00:24:30,080
Speaker 4: for out the stuff?

591
00:24:30,560 --> 00:24:32,120
Speaker 7: Yes, I would say so.

592
00:24:32,200 --> 00:24:35,280
Speaker 6: I mean, obviously every breakup situation is different, and I'm

593
00:24:35,320 --> 00:24:37,359
Speaker 6: to the listener, I'm so sorry you're going through that.

594
00:24:37,440 --> 00:24:40,600
Speaker 6: Well done for leaving that environment, especially when there was

595
00:24:40,600 --> 00:24:42,720
Speaker 6: an engagement, because sometimes that can be like, oh, you know,

596
00:24:42,760 --> 00:24:44,480
Speaker 6: I'll just keep pushing on because of the pressure of

597
00:24:44,520 --> 00:24:47,920
Speaker 6: what's coming up. So yeah, you know, being really kind

598
00:24:47,920 --> 00:24:51,000
Speaker 6: to yourself on that sense, I think here there needs

599
00:24:51,040 --> 00:24:56,640
Speaker 6: to be a sense of trying to stop yourself from

600
00:24:56,640 --> 00:24:59,879
Speaker 6: looking back. I feel like when you've had savings, not

601
00:25:00,000 --> 00:25:02,600
Speaker 6: only you had savings and then started to spend them,

602
00:25:03,000 --> 00:25:05,879
Speaker 6: but you've had savings in a completely different life experience

603
00:25:05,880 --> 00:25:08,120
Speaker 6: to what you're now living. So I would imagine there's

604
00:25:08,160 --> 00:25:10,280
Speaker 6: probably a sense of like spending can often be an

605
00:25:10,280 --> 00:25:13,679
Speaker 6: attempt to regain control, which is probably what's happening, and

606
00:25:13,720 --> 00:25:15,760
Speaker 6: that's okay, Like, that's a very legitimate way of doing that.

607
00:25:15,800 --> 00:25:17,560
Speaker 6: You're doing it with savings. You're not getting into debt,

608
00:25:17,640 --> 00:25:20,960
Speaker 6: you're not putting yourself into like immediate financial danger. So

609
00:25:21,080 --> 00:25:24,159
Speaker 6: probably first step would be, I would say, neutralizing what's happened,

610
00:25:24,200 --> 00:25:26,840
Speaker 6: because often when you've spent savings that in a way

611
00:25:26,840 --> 00:25:28,439
Speaker 6: that you didn't intend to spend them, it's like, oh

612
00:25:28,440 --> 00:25:30,159
Speaker 6: my god, I've got a scramble to get back to

613
00:25:30,160 --> 00:25:32,919
Speaker 6: where I was. Whereas actually that sort of like comparing

614
00:25:33,480 --> 00:25:37,040
Speaker 6: a previous optimum state when you had completely different resources

615
00:25:37,040 --> 00:25:39,720
Speaker 6: and circumstances at that time to where you are now

616
00:25:39,720 --> 00:25:42,760
Speaker 6: and trying to scramble back to that, it's probably just

617
00:25:42,800 --> 00:25:44,680
Speaker 6: going to make you feel even more out of control

618
00:25:44,680 --> 00:25:48,000
Speaker 6: than actually foster the spending behavior even more. I would

619
00:25:48,040 --> 00:25:49,639
Speaker 6: be looking at if this was like a friend that

620
00:25:49,680 --> 00:25:51,119
Speaker 6: had said this to me, I would be looking at

621
00:25:51,160 --> 00:25:54,399
Speaker 6: working on a progressive shift in the behavior and in

622
00:25:54,400 --> 00:25:56,800
Speaker 6: the mindset. So rather than being like, oh my god,

623
00:25:56,800 --> 00:25:58,600
Speaker 6: I have to stop all of this right now, and

624
00:25:58,640 --> 00:26:01,159
Speaker 6: I have to save hundred dollars a week or whatever

625
00:26:01,760 --> 00:26:06,159
Speaker 6: you consider optimum in the old circumstances, I would be thinking, Okay,

626
00:26:06,280 --> 00:26:09,240
Speaker 6: I want to work up to that, So start really small.

627
00:26:09,359 --> 00:26:12,399
Speaker 6: All I've got to do this week is put fifty

628
00:26:12,440 --> 00:26:15,160
Speaker 6: dollars there and then whatever else happens, that's okay because

629
00:26:15,200 --> 00:26:17,960
Speaker 6: I've started, and then the next week build up, build up,

630
00:26:18,320 --> 00:26:21,199
Speaker 6: And what that kind of allows you to do is

631
00:26:21,280 --> 00:26:25,120
Speaker 6: gradually rehearse the behaviors that you want to practice over

632
00:26:25,119 --> 00:26:27,960
Speaker 6: and over again. Currently, it's obviously been spending living your life,

633
00:26:28,040 --> 00:26:31,919
Speaker 6: regaining that control, probably flexing that independence, I guess, finding

634
00:26:31,960 --> 00:26:34,480
Speaker 6: like the positive side of that awful experience that you've

635
00:26:34,520 --> 00:26:37,679
Speaker 6: had so kind of Rather than cutting that off completely

636
00:26:37,680 --> 00:26:39,879
Speaker 6: because it is serving an emotional purpose for you, I

637
00:26:39,880 --> 00:26:44,360
Speaker 6: would imagine shrinking it down and repeating that behavior of

638
00:26:44,920 --> 00:26:49,119
Speaker 6: building your savings up again gradually, because the impulse is

639
00:26:49,160 --> 00:26:51,240
Speaker 6: to want to like with everything, like I'm suddenly going

640
00:26:51,240 --> 00:26:53,000
Speaker 6: to the gym five days a week. I'm now not

641
00:26:53,000 --> 00:26:54,840
Speaker 6: doing that spending anymore. I'm saving all of it, Like

642
00:26:54,880 --> 00:26:57,440
Speaker 6: we want to course correct so quickly, but it just

643
00:26:57,480 --> 00:27:00,600
Speaker 6: puts extra pressure on, especially when there's other emotional factors

644
00:27:00,600 --> 00:27:02,480
Speaker 6: that are already making us feel more out of control.

645
00:27:02,760 --> 00:27:04,359
Speaker 6: So I would set like I'm a big fan of

646
00:27:04,359 --> 00:27:07,639
Speaker 6: a six week sprint, but maybe not sprint in this environment,

647
00:27:07,720 --> 00:27:09,560
Speaker 6: but like a six week build up where each week

648
00:27:09,600 --> 00:27:11,800
Speaker 6: you focus on one different thing. You just got one

649
00:27:11,840 --> 00:27:14,480
Speaker 6: small action, and then that is your new one hundred percent.

650
00:27:14,680 --> 00:27:16,159
Speaker 6: I do this with work a lot, but it applies

651
00:27:16,200 --> 00:27:18,600
Speaker 6: to money. Like previously, in your old relationship, when you

652
00:27:18,640 --> 00:27:20,920
Speaker 6: had a double income and you weren't griving a relationship,

653
00:27:21,040 --> 00:27:23,120
Speaker 6: your one hundred percent might have been saving that five

654
00:27:23,160 --> 00:27:26,040
Speaker 6: hundred dollars a week, whereas now your new hundred percent

655
00:27:26,160 --> 00:27:29,200
Speaker 6: is saving fifty or is saving nothing but not using

656
00:27:29,200 --> 00:27:31,879
Speaker 6: credit or whatever your circumstances are, and then building that

657
00:27:32,080 --> 00:27:34,280
Speaker 6: up so that you're not putting the pressure on yourself

658
00:27:34,280 --> 00:27:36,800
Speaker 6: to suddenly be perfect, and then you're kind of accepting

659
00:27:36,840 --> 00:27:39,080
Speaker 6: the situation for what it is. Your money is a

660
00:27:39,080 --> 00:27:42,160
Speaker 6: resource that we use to do various different things. Right now,

661
00:27:42,200 --> 00:27:43,840
Speaker 6: you're living your life a bit and you're spending.

662
00:27:43,600 --> 00:27:43,920
Speaker 5: It a bit.

663
00:27:44,600 --> 00:27:47,040
Speaker 7: It is what it is, totally, don't you know.

664
00:27:47,080 --> 00:27:49,120
Speaker 6: If we were being purely mathematical, yeah, you know, cut

665
00:27:49,160 --> 00:27:51,880
Speaker 6: it off and put it in savings. But behaviorally you've

666
00:27:51,880 --> 00:27:54,639
Speaker 6: got to be much more gentler on yourself in that

667
00:27:54,680 --> 00:27:58,400
Speaker 6: situation anyway, and even more so because there's.

668
00:27:58,200 --> 00:27:59,119
Speaker 2: Been a breakup involved.

669
00:27:59,160 --> 00:28:01,639
Speaker 4: Yeah, I imagine it's also quite costly with the breakup

670
00:28:01,680 --> 00:28:04,280
Speaker 4: from moving home and you have to buy PHN sure

671
00:28:04,320 --> 00:28:05,040
Speaker 4: and all this kind of stuff.

672
00:28:05,080 --> 00:28:06,639
Speaker 2: You could bond down from new plays and what.

673
00:28:06,760 --> 00:28:08,800
Speaker 4: But anyway, exactly, I totally go with saying I really

674
00:28:08,840 --> 00:28:10,920
Speaker 4: really like that the six week walk.

675
00:28:12,000 --> 00:28:16,280
Speaker 5: I think as well also just recalibrating your goals. You know, previously,

676
00:28:16,320 --> 00:28:18,439
Speaker 5: maybe you were hoping to purchase the house within you know,

677
00:28:18,520 --> 00:28:20,400
Speaker 5: a couple of years or whatever that might have looked

678
00:28:20,440 --> 00:28:23,000
Speaker 5: like when you had that jewel income. Just because you

679
00:28:23,040 --> 00:28:25,200
Speaker 5: don't have that jewel income doesn't mean you can't achieve

680
00:28:25,280 --> 00:28:28,879
Speaker 5: those goals. I understand that it might feel very different

681
00:28:28,920 --> 00:28:32,280
Speaker 5: because your financial situation looks entirely different, And as you said,

682
00:28:32,359 --> 00:28:35,320
Speaker 5: am I, you're really navigating that around all of the

683
00:28:35,359 --> 00:28:37,560
Speaker 5: emotions that you're feeling, which we know has such a

684
00:28:37,640 --> 00:28:40,240
Speaker 5: huge impact on the way that we handle our money

685
00:28:40,240 --> 00:28:43,080
Speaker 5: and how we feel about our financial position. But you know,

686
00:28:43,480 --> 00:28:46,000
Speaker 5: just because you're now doing it with one person instead

687
00:28:46,000 --> 00:28:48,200
Speaker 5: of two, doesn't mean that whatever those big goals that

688
00:28:48,240 --> 00:28:50,960
Speaker 5: you were talking about having, they don't have to go away.

689
00:28:51,000 --> 00:28:52,800
Speaker 5: You can still save to travel, you can still save

690
00:28:52,840 --> 00:28:54,440
Speaker 5: to purchase the house. You can still save to get

691
00:28:54,440 --> 00:28:56,360
Speaker 5: a pet or do whatever it is that you wanted

692
00:28:56,400 --> 00:28:59,040
Speaker 5: to do, and you can totally do that by yourself

693
00:28:59,040 --> 00:29:01,880
Speaker 5: as an independent girl. Like, just because there's not two

694
00:29:01,920 --> 00:29:04,800
Speaker 5: people doesn't mean that you have to change all of

695
00:29:04,840 --> 00:29:09,080
Speaker 5: your goals. I think, as Emma said, like recalibrating what

696
00:29:09,120 --> 00:29:12,080
Speaker 5: that looks like and maybe adjusting your timelines or making

697
00:29:12,080 --> 00:29:14,440
Speaker 5: sure that it's really realistic and attainable so you're not

698
00:29:14,760 --> 00:29:16,680
Speaker 5: beating yourself up if you don't get to where you

699
00:29:16,720 --> 00:29:19,560
Speaker 5: want it to be is so important. But I think

700
00:29:19,600 --> 00:29:22,800
Speaker 5: also remembering that you're strong, an independent queen and you

701
00:29:22,800 --> 00:29:25,400
Speaker 5: can totally achieve the things that you want to do.

702
00:29:25,960 --> 00:29:28,200
Speaker 5: It just you have to be kind to yourself on

703
00:29:28,240 --> 00:29:30,720
Speaker 5: the path to get there, I think is important. But

704
00:29:30,880 --> 00:29:33,240
Speaker 5: I know that I'm someone who really does catastrophize and

705
00:29:33,360 --> 00:29:36,080
Speaker 5: in a big change like that would send me for

706
00:29:36,160 --> 00:29:38,600
Speaker 5: a spiral, and that's also okay. But yeah, I just

707
00:29:38,600 --> 00:29:40,719
Speaker 5: wanted to remind you that you can do whatever you

708
00:29:40,720 --> 00:29:43,640
Speaker 5: set your mind to, and you really, I think with

709
00:29:44,200 --> 00:29:46,760
Speaker 5: you're doing the right thing, like you're thinking about what

710
00:29:46,920 --> 00:29:49,360
Speaker 5: to do, which is even just becoming conscious of the

711
00:29:49,400 --> 00:29:51,440
Speaker 5: problem is such a big step that takes a lot

712
00:29:51,440 --> 00:29:53,200
Speaker 5: of people such a long time to get there. So

713
00:29:53,720 --> 00:29:55,600
Speaker 5: it feels like you're doing really well, and I hope

714
00:29:55,600 --> 00:29:57,600
Speaker 5: that you're okay, because yeah, like you said, back breakup

715
00:29:57,640 --> 00:29:59,960
Speaker 5: so just the worst generally, like there's no good way

716
00:30:00,280 --> 00:30:01,840
Speaker 5: to go about it, and it sounds like this one's

717
00:30:01,840 --> 00:30:04,600
Speaker 5: been particularly difficult, and so I just wanted to send

718
00:30:04,640 --> 00:30:06,200
Speaker 5: you some love and say you can totally do it,

719
00:30:06,240 --> 00:30:07,280
Speaker 5: and we're all thinking of you.

720
00:30:07,400 --> 00:30:10,000
Speaker 4: But absolutely I completely agree with that.

721
00:30:10,040 --> 00:30:11,240
Speaker 2: I really do hope you're okay.

722
00:30:11,360 --> 00:30:14,720
Speaker 4: If our listener is listening, I do hope that you

723
00:30:14,720 --> 00:30:16,840
Speaker 4: you know, when I kind of like went through a

724
00:30:16,840 --> 00:30:19,480
Speaker 4: similar thing recently. And again this is not financial, this

725
00:30:19,560 --> 00:30:22,520
Speaker 4: is all emotional. But I had a friend who just said,

726
00:30:22,720 --> 00:30:25,480
Speaker 4: in three months time, your life's going to look so different.

727
00:30:25,520 --> 00:30:27,520
Speaker 4: In three months time, you're going to be so much happier,

728
00:30:27,720 --> 00:30:29,280
Speaker 4: or in three months time, you're at least going to

729
00:30:29,360 --> 00:30:33,160
Speaker 4: know where you're headed. And I think that's really important.

730
00:30:33,200 --> 00:30:35,720
Speaker 4: So just keep that in mind that your future self

731
00:30:36,080 --> 00:30:39,040
Speaker 4: is having a great time. But right now I can

732
00:30:39,280 --> 00:30:42,560
Speaker 4: totally totally empathize. So hope you're okay.

733
00:30:43,160 --> 00:30:45,240
Speaker 2: Okay? Is everyone ready for a juicy DM?

734
00:30:45,600 --> 00:30:48,120
Speaker 4: Absolutely a listener has slim to our DMS with the

735
00:30:48,120 --> 00:30:51,240
Speaker 4: following dilemma. So I'm currently twenty days into a no

736
00:30:51,400 --> 00:30:53,360
Speaker 4: spend month that I set for myself where I'm not

737
00:30:53,400 --> 00:30:58,640
Speaker 4: allowed to spend money on anything except the essentials in brackets, bills, rent, groceries, shopping,

738
00:30:58,720 --> 00:31:01,120
Speaker 4: et cetera. But I have already failed and broken this

739
00:31:01,240 --> 00:31:04,400
Speaker 4: three times, making impulse purchases on a dress, a pair

740
00:31:04,400 --> 00:31:06,600
Speaker 4: of shoes that were on sale, and a bottomless brunch

741
00:31:06,640 --> 00:31:09,719
Speaker 4: with my friends. I'm so disappointed in myself that couldn't

742
00:31:09,720 --> 00:31:11,920
Speaker 4: even make it a month, and now I'm struggling with.

743
00:31:11,880 --> 00:31:12,959
Speaker 2: Big feelings of guilt.

744
00:31:13,240 --> 00:31:15,280
Speaker 4: I don't know if maybe I set the rules too strictly,

745
00:31:15,320 --> 00:31:17,880
Speaker 4: considering this my first time doing this, and maybe I

746
00:31:17,880 --> 00:31:21,200
Speaker 4: set myself up for failure for setting such high expectations,

747
00:31:21,680 --> 00:31:23,200
Speaker 4: or maybe I'm just out of control. I need to

748
00:31:23,240 --> 00:31:25,320
Speaker 4: address my issues with impulse purchases.

749
00:31:25,640 --> 00:31:26,240
Speaker 2: What do you think?

750
00:31:26,360 --> 00:31:28,160
Speaker 4: Any advice on how I can do this better for

751
00:31:28,200 --> 00:31:29,600
Speaker 4: next time? Please help.

752
00:31:29,760 --> 00:31:31,680
Speaker 5: I feel like, Emma, you're so well placed to talk

753
00:31:31,680 --> 00:31:34,680
Speaker 5: about this because you did a no by yeah last

754
00:31:34,720 --> 00:31:38,240
Speaker 5: year on clothing, which was so I think I've spoken

755
00:31:38,240 --> 00:31:40,240
Speaker 5: about this on the top before about how I found

756
00:31:40,280 --> 00:31:41,640
Speaker 5: it so interesting watching you do it.

757
00:31:42,360 --> 00:31:44,240
Speaker 6: Yeah, I have a lot of thoughts around no spend.

758
00:31:44,240 --> 00:31:47,600
Speaker 6: I feel like no spend in general has such as

759
00:31:47,680 --> 00:31:49,080
Speaker 6: there's so much to say about it, there's so many

760
00:31:49,080 --> 00:31:51,160
Speaker 6: pros and there's a lot of cons as well. So

761
00:31:51,280 --> 00:31:54,520
Speaker 6: I last year did a full category ban of clothing,

762
00:31:55,680 --> 00:31:59,680
Speaker 6: but it was still quite relaxed in that there were

763
00:31:59,680 --> 00:32:01,960
Speaker 6: certain it didn't count, like I really knew what I

764
00:32:01,960 --> 00:32:04,120
Speaker 6: was trying to do. I was really not buying outfits,

765
00:32:04,280 --> 00:32:06,560
Speaker 6: Like anything that was outfits I would still have bought

766
00:32:06,560 --> 00:32:08,040
Speaker 6: had it been the earstot, I would have bought a

767
00:32:08,040 --> 00:32:10,880
Speaker 6: merch t shirt. I shoes were still allowed, because I

768
00:32:10,880 --> 00:32:13,320
Speaker 6: don't have an issue with buying shoes. I actually hate shoes.

769
00:32:13,360 --> 00:32:15,760
Speaker 6: I kind of wish I find them really like I

770
00:32:16,000 --> 00:32:19,840
Speaker 6: don't over consume those again, bags accessories, if anything, I

771
00:32:19,880 --> 00:32:22,000
Speaker 6: under consume them. I could probably benefit from having more

772
00:32:22,000 --> 00:32:23,959
Speaker 6: of them to get more mileage out of my outfits.

773
00:32:24,160 --> 00:32:27,480
Speaker 6: So I think that an option here would be to

774
00:32:28,280 --> 00:32:33,080
Speaker 6: revisit the intention behind the no spend no spend a bit.

775
00:32:33,160 --> 00:32:35,320
Speaker 6: Like we said in the previous dilemma, like you have

776
00:32:35,440 --> 00:32:39,000
Speaker 6: this impulse to be like I'm suddenly forever changed and

777
00:32:39,520 --> 00:32:42,280
Speaker 6: the person I was before the start of this month. No, no,

778
00:32:42,680 --> 00:32:44,560
Speaker 6: like I'm going to be perfect and it sounds so

779
00:32:44,640 --> 00:32:46,480
Speaker 6: much easier than it is. A month is a really

780
00:32:46,560 --> 00:32:49,560
Speaker 6: long time, yeah, when you're actually trying to do something

781
00:32:49,600 --> 00:32:51,720
Speaker 6: for a month. So I would be looking at the

782
00:32:51,760 --> 00:32:55,400
Speaker 6: intentions behind the no spend and see what the motivations

783
00:32:55,440 --> 00:32:58,760
Speaker 6: are behind the impulse purchases that are causing you to,

784
00:32:59,520 --> 00:33:01,720
Speaker 6: for want of a better term, slip up, because it's

785
00:33:01,760 --> 00:33:05,840
Speaker 6: creating guilt and it's probably creating like a domino effect

786
00:33:05,880 --> 00:33:08,440
Speaker 6: of more purchasing, or it's creating a feeling of being

787
00:33:08,440 --> 00:33:10,720
Speaker 6: out of control, which I said on the previous dilemma

788
00:33:10,760 --> 00:33:12,480
Speaker 6: like that can foster spending as well, because it's the

789
00:33:12,520 --> 00:33:15,080
Speaker 6: one thing that we can control in terms of the guilt.

790
00:33:15,160 --> 00:33:17,640
Speaker 6: What I would be doing with that is instead of

791
00:33:17,640 --> 00:33:20,080
Speaker 6: seeing it as a failure, just seeing it as data.

792
00:33:20,640 --> 00:33:23,640
Speaker 6: So what were the three purchases? It was a dress,

793
00:33:23,760 --> 00:33:27,959
Speaker 6: a bottomless brunch, whatever, Yes, those things are now data points,

794
00:33:28,080 --> 00:33:30,520
Speaker 6: so we can look at around those. What happened in

795
00:33:30,560 --> 00:33:32,280
Speaker 6: the lead up? Was it that everyone was going for

796
00:33:32,320 --> 00:33:35,000
Speaker 6: a bottomless brunch and you felt left out? Was it

797
00:33:35,000 --> 00:33:37,360
Speaker 6: that the bottomless brunch was actually always there and you forgot.

798
00:33:37,440 --> 00:33:39,800
Speaker 6: That's a different problem. That's a phomo problem or an

799
00:33:39,920 --> 00:33:41,200
Speaker 6: organizational problem.

800
00:33:41,480 --> 00:33:42,800
Speaker 7: The dress was that like.

801
00:33:42,720 --> 00:33:44,760
Speaker 6: An emotional purchase. Were feeling a bit shity about yourself

802
00:33:44,800 --> 00:33:47,160
Speaker 6: that day that made you buy that? Or was it

803
00:33:47,200 --> 00:33:48,880
Speaker 6: actually that you had an interview and you don't have

804
00:33:48,960 --> 00:33:52,000
Speaker 6: enough workloads? Again two completely different problems. Yeah, So by

805
00:33:52,080 --> 00:33:55,120
Speaker 6: looking at it as data, it takes away the guilt,

806
00:33:55,160 --> 00:33:57,280
Speaker 6: because guilt is very different to shame in that guilt

807
00:33:57,960 --> 00:34:01,200
Speaker 6: has you like regretting your behavior. You see the issue

808
00:34:01,200 --> 00:34:03,280
Speaker 6: for what it is, and you're just constantly trying to change,

809
00:34:03,280 --> 00:34:07,040
Speaker 6: but you're up against a brick wall. Having information and

810
00:34:07,120 --> 00:34:09,920
Speaker 6: like taking action on that can help to dissolve that

811
00:34:10,000 --> 00:34:12,400
Speaker 6: guilt because you're not feeling like, oh my god, I

812
00:34:12,480 --> 00:34:14,359
Speaker 6: just need to change it, like you're actually in there

813
00:34:14,600 --> 00:34:16,920
Speaker 6: working with the data. So seeing it as data points

814
00:34:16,920 --> 00:34:18,839
Speaker 6: in terms of those individual things, but also I would

815
00:34:18,880 --> 00:34:21,640
Speaker 6: see the month as a data point as well, like

816
00:34:21,719 --> 00:34:23,520
Speaker 6: when did you find the month easy? Did you ever

817
00:34:23,520 --> 00:34:26,239
Speaker 6: find the month easy? What planning did you do? Did

818
00:34:26,239 --> 00:34:29,000
Speaker 6: you do any planning? Like I think they mentioned did

819
00:34:29,000 --> 00:34:30,240
Speaker 6: they set themselves up for failure?

820
00:34:30,280 --> 00:34:30,400
Speaker 4: Like?

821
00:34:30,440 --> 00:34:32,839
Speaker 6: What does that kind of look like what did work,

822
00:34:32,880 --> 00:34:36,640
Speaker 6: what didn't work, and then kind of using that to think, okay,

823
00:34:36,680 --> 00:34:40,040
Speaker 6: where can I go as a next step, Like everything

824
00:34:40,120 --> 00:34:42,560
Speaker 6: is really just an experiment. You tried that, it didn't work,

825
00:34:42,600 --> 00:34:44,719
Speaker 6: That's okay, we can move on. Maybe we do a

826
00:34:44,760 --> 00:34:48,000
Speaker 6: category ban of something. If the bottomus brunch was an

827
00:34:48,080 --> 00:34:50,359
Speaker 6: organizational thing, and actually you're like, well, I wouldn't want

828
00:34:50,360 --> 00:34:52,600
Speaker 6: to miss that, so there's really no point Rather than

829
00:34:52,600 --> 00:34:55,440
Speaker 6: waiting for a perfect month where the circumstances are perfect

830
00:34:55,440 --> 00:34:57,480
Speaker 6: for you to do and no spend, we can look

831
00:34:57,520 --> 00:35:00,520
Speaker 6: at a category ban, or maybe banning isn't for you,

832
00:35:01,000 --> 00:35:02,799
Speaker 6: maybe you're more of a person that can work with

833
00:35:02,840 --> 00:35:05,759
Speaker 6: having a small budget for something each week. I personally

834
00:35:05,840 --> 00:35:09,880
Speaker 6: benefit from concentrated periods of focus in that context of

835
00:35:09,920 --> 00:35:13,880
Speaker 6: a ban, because I'm very like hyper focus on the

836
00:35:13,920 --> 00:35:16,840
Speaker 6: month or the year or whatever and or that category.

837
00:35:16,880 --> 00:35:18,640
Speaker 6: I couldn't do a no spend of nothing, but like

838
00:35:18,760 --> 00:35:22,840
Speaker 6: the category selection helps me focus, and I'll put my

839
00:35:22,920 --> 00:35:24,759
Speaker 6: all into it, and not just to complete it, but

840
00:35:24,800 --> 00:35:27,320
Speaker 6: to learn from it, using it as a learning experience,

841
00:35:27,480 --> 00:35:30,680
Speaker 6: rather than using it as an experience to get to

842
00:35:30,680 --> 00:35:33,920
Speaker 6: a certain amount of savings. Because even if like really

843
00:35:34,280 --> 00:35:36,239
Speaker 6: and I know this probably isn't what you want to

844
00:35:36,239 --> 00:35:38,279
Speaker 6: hear at this point, but like, really getting through the

845
00:35:38,280 --> 00:35:40,200
Speaker 6: month is technically the easy bit. The hard bit is

846
00:35:40,200 --> 00:35:42,840
Speaker 6: what happens next, which I'm experiencing now having brought clothes

847
00:35:42,840 --> 00:35:46,920
Speaker 6: for a year. Trying to balance it is harder than

848
00:35:46,960 --> 00:35:50,000
Speaker 6: not doing it at all personally for me. Whereas if

849
00:35:50,040 --> 00:35:52,600
Speaker 6: you actually, you know again, maybe a ban isn't for you,

850
00:35:52,640 --> 00:35:54,080
Speaker 6: and actually you would find that easier.

851
00:35:54,320 --> 00:35:56,240
Speaker 7: That was a lot of information. Sorry, I hope that's.

852
00:35:57,600 --> 00:36:00,879
Speaker 6: Basically use it all as data about what approaches work

853
00:36:00,920 --> 00:36:05,759
Speaker 6: for you and the surrounding circumstances around the purchases, and

854
00:36:05,920 --> 00:36:08,360
Speaker 6: use that to redeploy into a new plan and then assess.

855
00:36:08,880 --> 00:36:11,720
Speaker 6: Rather than that pass fail mentality, pass few mentality ruins

856
00:36:11,760 --> 00:36:13,920
Speaker 6: almost every form of habit change.

857
00:36:14,719 --> 00:36:15,160
Speaker 7: Let's go there.

858
00:36:15,239 --> 00:36:17,839
Speaker 6: Let's sweeping statements every form of habit change. If there's

859
00:36:18,000 --> 00:36:20,960
Speaker 6: an opportunity to pass or fail, it's not going to

860
00:36:21,000 --> 00:36:24,439
Speaker 6: create long term change because if you pass, that means

861
00:36:24,440 --> 00:36:26,920
Speaker 6: nothing about where you go next, and if you fail,

862
00:36:27,120 --> 00:36:30,160
Speaker 6: that means everything about where you go next. Because you're disempowered,

863
00:36:30,200 --> 00:36:33,040
Speaker 6: you feel out of control and you don't know what

864
00:36:33,200 --> 00:36:33,560
Speaker 6: to do.

865
00:36:33,719 --> 00:36:34,760
Speaker 7: Whereas when you're.

866
00:36:34,640 --> 00:36:37,600
Speaker 6: Seeing everything as a learning experience and using all of

867
00:36:37,640 --> 00:36:44,080
Speaker 6: the spends, successes, whatever, emotions, behaviors as data points that

868
00:36:44,160 --> 00:36:45,640
Speaker 6: helps you with where to go next, and that's what

869
00:36:45,680 --> 00:36:49,640
Speaker 6: creates lasting change. Forget about completing the no spend months

870
00:36:50,080 --> 00:36:53,399
Speaker 6: unless you've learned something. It's really irrelevant because you can't

871
00:36:53,400 --> 00:36:54,520
Speaker 6: never spend anything ever again.

872
00:36:54,600 --> 00:36:56,040
Speaker 7: And we don't want to villainize spending.

873
00:36:56,239 --> 00:36:58,040
Speaker 5: No, No, not at all. And I think the failure

874
00:36:58,080 --> 00:37:02,239
Speaker 5: thing is that you can fail something, like it's not

875
00:37:02,480 --> 00:37:05,040
Speaker 5: a bad thing to fail, Like anyone who's ever done

876
00:37:05,120 --> 00:37:08,080
Speaker 5: anything had to fail before they succeeded. Like you look

877
00:37:08,080 --> 00:37:11,080
Speaker 5: at to do anything ever, you know you need to

878
00:37:11,120 --> 00:37:12,799
Speaker 5: collect the data, you need to do all these things

879
00:37:12,840 --> 00:37:15,600
Speaker 5: exactly like you were saying, failure is just it just

880
00:37:15,600 --> 00:37:18,319
Speaker 5: means you're making progress. Really like you've tried something, it

881
00:37:18,320 --> 00:37:20,440
Speaker 5: didn't work, okay, great, Like, how can we adjust it?

882
00:37:20,480 --> 00:37:23,640
Speaker 5: How can we reframe that to then be closer to

883
00:37:23,680 --> 00:37:27,560
Speaker 5: the goal next time we try. I think, don't let

884
00:37:27,640 --> 00:37:30,279
Speaker 5: it put you off feeling like you've failed. I think,

885
00:37:30,320 --> 00:37:33,520
Speaker 5: particularly with goals, and I'm very much guilty of this

886
00:37:33,640 --> 00:37:37,239
Speaker 5: as someone who struggles a little bit with perfectionism. Is

887
00:37:37,480 --> 00:37:38,840
Speaker 5: if it doesn't go the way that you want it

888
00:37:38,880 --> 00:37:40,759
Speaker 5: to go. Go why did I even bother? Like, what's

889
00:37:40,800 --> 00:37:44,720
Speaker 5: the point? And that mentality really stands in the way

890
00:37:44,800 --> 00:37:48,239
Speaker 5: of you succeeding, you know, going, oh, I can't not

891
00:37:48,360 --> 00:37:49,839
Speaker 5: spend money, so I'm just not going to try to

892
00:37:49,840 --> 00:37:50,640
Speaker 5: not spend money.

893
00:37:50,400 --> 00:37:51,399
Speaker 7: And I'll just be bad by money.

894
00:37:51,400 --> 00:37:53,160
Speaker 5: Then it means that you're never going to be good

895
00:37:53,160 --> 00:37:56,040
Speaker 5: with money, which you know you're standing in your own

896
00:37:56,200 --> 00:37:59,719
Speaker 5: way with that mentality. And I think reframing exactly like

897
00:37:59,760 --> 00:38:02,160
Speaker 5: you were saying, means that we can go, Okay, well,

898
00:38:02,360 --> 00:38:04,520
Speaker 5: how can I adjust? How can I set myself up?

899
00:38:04,560 --> 00:38:07,200
Speaker 5: I suppose to be more successful? And you know whether

900
00:38:07,239 --> 00:38:11,040
Speaker 5: that looks like changing the category or maybe you do

901
00:38:11,160 --> 00:38:14,040
Speaker 5: two weeks, or maybe you do have the little saver

902
00:38:14,160 --> 00:38:16,439
Speaker 5: like you were talking about earlier, where I'm not someone

903
00:38:16,480 --> 00:38:18,560
Speaker 5: who does no spends. They don't really work for me,

904
00:38:19,040 --> 00:38:21,120
Speaker 5: but I do exactly like what you do with the

905
00:38:21,160 --> 00:38:24,640
Speaker 5: conset tickets I've spoken before. I have fifteen savers on

906
00:38:24,680 --> 00:38:27,160
Speaker 5: my phone and I break down my spending into every

907
00:38:27,239 --> 00:38:30,040
Speaker 5: little minute category so that I feel Okay, I know

908
00:38:30,680 --> 00:38:32,880
Speaker 5: what I can spend within that category, and so I

909
00:38:32,920 --> 00:38:35,600
Speaker 5: guess it's more of like extreme budgeting works for me,

910
00:38:36,160 --> 00:38:38,560
Speaker 5: and I think recognizing not every system works for every person.

911
00:38:39,000 --> 00:38:40,400
Speaker 5: You know, like my way wouldn' work for your way

912
00:38:40,400 --> 00:38:43,920
Speaker 5: wouldn't necessarily work for me, and that is so fine.

913
00:38:44,080 --> 00:38:46,799
Speaker 5: But it's just about figuring out what system does work

914
00:38:46,840 --> 00:38:49,880
Speaker 5: for you to help you achieve whatever that ultimate goal was,

915
00:38:49,920 --> 00:38:53,520
Speaker 5: whether it's raining in your spending, whether it's not consuming

916
00:38:53,760 --> 00:38:57,520
Speaker 5: mindlessly on certain things, whatever that looks like, you can

917
00:38:57,680 --> 00:39:01,280
Speaker 5: achieve that without necessarily having to do what you think

918
00:39:01,560 --> 00:39:03,640
Speaker 5: everybody else has to do, if that makes sense.

919
00:39:03,800 --> 00:39:05,240
Speaker 7: Totally agree to your point on goals.

920
00:39:05,280 --> 00:39:06,880
Speaker 6: If this person was in the room with us, I

921
00:39:06,920 --> 00:39:09,439
Speaker 6: would say, what actually was the goal step?

922
00:39:09,719 --> 00:39:11,160
Speaker 7: Because I think with TikTok.

923
00:39:10,800 --> 00:39:13,040
Speaker 6: And seventy five hard and everyone being like, I just

924
00:39:13,040 --> 00:39:14,840
Speaker 6: did no spend and like I've seen a lot of

925
00:39:14,840 --> 00:39:17,560
Speaker 6: stuff recently now that cash stuffing is back, I just

926
00:39:17,800 --> 00:39:19,760
Speaker 6: didn't no spend and like they've got all the physical

927
00:39:19,800 --> 00:39:22,279
Speaker 6: cash there. Yeah, And often when we make those big

928
00:39:22,280 --> 00:39:25,360
Speaker 6: grand promises, we're just trying to absolve an immediate anxiety.

929
00:39:25,400 --> 00:39:26,719
Speaker 6: I like, oh my god, I'm going to do that too,

930
00:39:26,760 --> 00:39:29,880
Speaker 6: because you're feeling there's a feeling about something else and

931
00:39:29,960 --> 00:39:32,680
Speaker 6: having that sort of future goal where you don't really

932
00:39:32,680 --> 00:39:34,600
Speaker 6: have to do anything right now, but you've made a

933
00:39:34,600 --> 00:39:37,319
Speaker 6: promise to yourself. It takes away that immediate feeling. But

934
00:39:37,520 --> 00:39:40,279
Speaker 6: usually that's what the goal is. Whereas yeah, if you

935
00:39:40,320 --> 00:39:42,920
Speaker 6: go what actually was the goal, often we go, well,

936
00:39:42,920 --> 00:39:45,160
Speaker 6: I don't actually know everyone on TikTok was doing one,

937
00:39:45,520 --> 00:39:47,080
Speaker 6: Like was it to save two hundred dollars? Could you

938
00:39:47,080 --> 00:39:49,160
Speaker 6: still save two hundred dollars and have the dress and

939
00:39:49,200 --> 00:39:51,360
Speaker 6: the brunch and the whatever, Like maybe you did achieve

940
00:39:51,400 --> 00:39:52,200
Speaker 6: the goal after all.

941
00:39:52,360 --> 00:39:55,120
Speaker 5: Yeah, And if that comparison culture thing, I think we

942
00:39:55,160 --> 00:39:58,440
Speaker 5: see so many people sharing again their highlights on social

943
00:39:58,520 --> 00:40:01,200
Speaker 5: media or whatever it is. You don't see the five

944
00:40:01,280 --> 00:40:03,360
Speaker 5: times that they tried something and it didn't work before

945
00:40:03,400 --> 00:40:05,000
Speaker 5: they complete it. You don't see the days that they

946
00:40:05,000 --> 00:40:07,120
Speaker 5: skipped the seventy five hard or the days that they

947
00:40:07,520 --> 00:40:10,080
Speaker 5: were miserable because they were I don't know, I don't

948
00:40:10,120 --> 00:40:12,319
Speaker 5: really you know, they're walking at eleven o'clock at night

949
00:40:12,280 --> 00:40:13,920
Speaker 5: because they're like, I've got to close my rings or

950
00:40:13,920 --> 00:40:16,240
Speaker 5: I've got to do whatever it is. Yeah, we're comparing

951
00:40:16,360 --> 00:40:19,719
Speaker 5: potentially to other people's successes, but your success can look

952
00:40:19,760 --> 00:40:22,840
Speaker 5: totally different and maybe that does just look like this month,

953
00:40:23,320 --> 00:40:26,360
Speaker 5: instead of spending one thousand dollars on random things, you

954
00:40:26,480 --> 00:40:29,239
Speaker 5: only spent on three things. And that's an improvement and

955
00:40:29,239 --> 00:40:31,960
Speaker 5: that's huge. Like, that's a movement towards changing a habit

956
00:40:32,120 --> 00:40:35,960
Speaker 5: rather than just a snap period that you then relapse

957
00:40:36,000 --> 00:40:38,799
Speaker 5: into afterwards because you've deprived yourself of something and then

958
00:40:38,880 --> 00:40:41,200
Speaker 5: when it's over, you blow out and you buy everything

959
00:40:41,200 --> 00:40:42,879
Speaker 5: that you've been waiting to buy the last month.

960
00:40:43,000 --> 00:40:43,800
Speaker 2: Yeah, exactly.

961
00:40:43,920 --> 00:40:46,239
Speaker 4: I also think like, first of all, if you look

962
00:40:46,360 --> 00:40:48,800
Speaker 4: back at every other month, if you only impulse sport

963
00:40:48,920 --> 00:40:51,600
Speaker 4: three times, like, is this like actually quite an improvement

964
00:40:51,640 --> 00:40:54,040
Speaker 4: in comparison to every other month, you know what I mean?

965
00:40:54,280 --> 00:40:55,640
Speaker 2: But also, you know that thing where.

966
00:40:55,440 --> 00:40:58,160
Speaker 4: You're like, I'm going to go on a diet tomorrow,

967
00:40:58,200 --> 00:41:00,799
Speaker 4: or like, you know, I really hate die culture. Let's say,

968
00:41:00,800 --> 00:41:03,520
Speaker 4: for example, I don't want to buy a muffin with

969
00:41:03,520 --> 00:41:06,080
Speaker 4: my coffee every single morning anymore, And then the next

970
00:41:06,200 --> 00:41:08,680
Speaker 4: day and for the rest of your life, the thing

971
00:41:08,719 --> 00:41:11,640
Speaker 4: that consumes your mind, body, and soul is that muffin

972
00:41:11,719 --> 00:41:14,000
Speaker 4: every single morning. Because you're not allowed it anymore. You've

973
00:41:14,000 --> 00:41:16,200
Speaker 4: deprived yourself of that. You're putting a hard band on

974
00:41:16,239 --> 00:41:18,880
Speaker 4: that instead of being like I'm just gonna do this,

975
00:41:19,640 --> 00:41:21,200
Speaker 4: you know, a couple of days a week or whatever.

976
00:41:21,239 --> 00:41:23,520
Speaker 4: That looks like just putting such a hard ban and

977
00:41:23,560 --> 00:41:26,160
Speaker 4: like going cold turkey on anything, like you won't even realize,

978
00:41:26,200 --> 00:41:28,400
Speaker 4: but it all start to consume me, like, oh, that's right,

979
00:41:28,440 --> 00:41:30,319
Speaker 4: I forgot. I'm not allowed to spend any money, and

980
00:41:30,360 --> 00:41:32,319
Speaker 4: that's all you'll think about, you know what I mean.

981
00:41:32,360 --> 00:41:34,719
Speaker 2: So I feel like it's a really hard way to

982
00:41:34,760 --> 00:41:34,960
Speaker 2: do that.

983
00:41:35,040 --> 00:41:37,319
Speaker 4: Sometimes it does work for people, and that's like really

984
00:41:37,360 --> 00:41:39,960
Speaker 4: really cool, but I find that like a lot of

985
00:41:40,000 --> 00:41:42,279
Speaker 4: the time, if you're not thinking about something and then

986
00:41:42,320 --> 00:41:43,920
Speaker 4: you put a band on that thing that you're not

987
00:41:44,040 --> 00:41:47,239
Speaker 4: really even thinking about, then it's all you're going to

988
00:41:47,280 --> 00:41:50,560
Speaker 4: think about. So to slip up and I use that

989
00:41:50,600 --> 00:41:53,200
Speaker 4: in quotation marks, like slip up in three times in

990
00:41:53,239 --> 00:41:56,200
Speaker 4: a month, that's really really cool, Like the amount of

991
00:41:56,200 --> 00:42:01,200
Speaker 4: times I've impulse purchased literally just this morning, it's probably

992
00:42:01,480 --> 00:42:02,680
Speaker 4: at least three times.

993
00:42:02,719 --> 00:42:04,840
Speaker 2: So three times in twenty days.

994
00:42:05,120 --> 00:42:06,520
Speaker 4: Because I know you said you're at your twenty day

995
00:42:06,520 --> 00:42:10,640
Speaker 4: mark now like that's you know, congratulations. Personally, I'm like

996
00:42:10,920 --> 00:42:13,960
Speaker 4: good for you. But anyway, like what you guys are

997
00:42:13,960 --> 00:42:16,040
Speaker 4: saying before about habits. I've been reading this book at

998
00:42:16,040 --> 00:42:16,479
Speaker 4: Tomic Habits.

999
00:42:16,520 --> 00:42:17,239
Speaker 2: Have you guys heard of this one?

1000
00:42:17,440 --> 00:42:17,560
Speaker 5: Yes?

1001
00:42:17,760 --> 00:42:19,360
Speaker 4: Incredible, So you got to, like, I think that a

1002
00:42:19,400 --> 00:42:21,480
Speaker 4: lot of people focus too much on the goal without

1003
00:42:21,520 --> 00:42:23,160
Speaker 4: like getting and this is, you know, all in the

1004
00:42:23,520 --> 00:42:28,120
Speaker 4: author's words, getting your like systems in place is basically

1005
00:42:28,120 --> 00:42:30,160
Speaker 4: exactly what you guys were saying. Just like, if you

1006
00:42:30,239 --> 00:42:33,239
Speaker 4: have a goal, you must figure out how the heck

1007
00:42:33,239 --> 00:42:35,160
Speaker 4: you're going to get there and set it in such

1008
00:42:35,239 --> 00:42:38,279
Speaker 4: like crazy detail. Just be like, you know, it's not

1009
00:42:38,360 --> 00:42:40,160
Speaker 4: even I'm going to do this and this and this

1010
00:42:40,239 --> 00:42:42,640
Speaker 4: to reach my goal. It's like at seven oh one

1011
00:42:42,719 --> 00:42:44,800
Speaker 4: am when I wake up, I am going to you

1012
00:42:44,880 --> 00:42:47,000
Speaker 4: know what I mean, just like look at every single

1013
00:42:47,040 --> 00:42:50,879
Speaker 4: thing and break it all the way down and then yeah,

1014
00:42:50,920 --> 00:42:53,280
Speaker 4: but you're also looking at the motivations behind those goals.

1015
00:42:53,440 --> 00:42:56,319
Speaker 4: Is also very helpful, so you'll get there. Just don't

1016
00:42:56,320 --> 00:42:58,319
Speaker 4: beat yourself up. You're doing a great job.

1017
00:42:58,440 --> 00:42:59,839
Speaker 5: Absolutely what everyone else say.

1018
00:43:00,160 --> 00:43:02,320
Speaker 4: See what the community had to say. So we asked

1019
00:43:02,560 --> 00:43:05,040
Speaker 4: have you done a no spend month before? Twenty two

1020
00:43:05,239 --> 00:43:07,920
Speaker 4: percent of you said yes and seventy eight percent.

1021
00:43:07,719 --> 00:43:08,400
Speaker 2: Of you said no.

1022
00:43:08,760 --> 00:43:11,640
Speaker 4: Interesting and then we asked, if yes, what were the

1023
00:43:11,680 --> 00:43:14,120
Speaker 4: guidelines for the month. One of you said, I still

1024
00:43:14,160 --> 00:43:16,000
Speaker 4: made it aligned with my values, so it could only

1025
00:43:16,000 --> 00:43:20,720
Speaker 4: spend on replacement clothes slash shoes, slash planned events, et cetera.

1026
00:43:21,640 --> 00:43:24,520
Speaker 4: And then someone said no unnecessary purchases for the month.

1027
00:43:25,480 --> 00:43:28,600
Speaker 4: Someone else said, I banned myself from food delivery services eg.

1028
00:43:28,800 --> 00:43:30,640
Speaker 2: Uber eats. That's how to do.

1029
00:43:30,719 --> 00:43:32,879
Speaker 5: I feel like that's a popular one. That's a cure one.

1030
00:43:33,400 --> 00:43:35,040
Speaker 4: A few people kind of like we're in the same

1031
00:43:35,080 --> 00:43:37,560
Speaker 4: boat where they were just like, no one thing or

1032
00:43:37,600 --> 00:43:38,520
Speaker 4: no the other thing.

1033
00:43:38,560 --> 00:43:38,719
Speaker 5: You know.

1034
00:43:38,800 --> 00:43:42,720
Speaker 4: It wasn't like a full ban on necessarily not spending

1035
00:43:42,760 --> 00:43:45,279
Speaker 4: on anything but essentials. But yeah, I think that's the

1036
00:43:45,320 --> 00:43:48,400
Speaker 4: general gist. And then we said, was your no spend

1037
00:43:48,400 --> 00:43:51,400
Speaker 4: month successful? Forty four percent of you said yes, I

1038
00:43:51,480 --> 00:43:53,479
Speaker 4: was so proud of myself. Good for you guys. That's

1039
00:43:53,600 --> 00:43:56,200
Speaker 4: so impressive and very very hard to do. So fifty

1040
00:43:56,239 --> 00:43:57,959
Speaker 4: six percent of you said no, I think I set

1041
00:43:58,000 --> 00:43:59,480
Speaker 4: two strict rules for myself.

1042
00:44:00,160 --> 00:44:03,920
Speaker 5: Question because success is such a subjective exactly because how

1043
00:44:03,920 --> 00:44:06,359
Speaker 5: many you know of those responders, and obviously we can

1044
00:44:06,400 --> 00:44:08,279
Speaker 5: only ask you so many questions in a poll on

1045
00:44:08,280 --> 00:44:11,680
Speaker 5: a story but you know, how many of those people

1046
00:44:11,680 --> 00:44:13,840
Speaker 5: made it improvement because I would deem that, you know,

1047
00:44:13,960 --> 00:44:16,160
Speaker 5: a big success, or how many of those people learned something,

1048
00:44:16,200 --> 00:44:19,000
Speaker 5: because again I would consider that a success. Even if

1049
00:44:19,000 --> 00:44:21,319
Speaker 5: you didn't necessarily achieve the outcome that you set out

1050
00:44:21,320 --> 00:44:23,759
Speaker 5: with at the beginning of I'm not buying X, y Z,

1051
00:44:24,680 --> 00:44:27,320
Speaker 5: having those learnings, have those starter points is still putting

1052
00:44:27,360 --> 00:44:29,399
Speaker 5: you further ahead than you were when you started, which

1053
00:44:29,560 --> 00:44:31,359
Speaker 5: in my mind, that is what success is.

1054
00:44:31,600 --> 00:44:32,560
Speaker 2: Yes, yeah, so.

1055
00:44:32,520 --> 00:44:35,640
Speaker 6: True, which kind of reframes the whole point, right as in, like,

1056
00:44:35,680 --> 00:44:39,240
Speaker 6: it's not just a month, it's it's actually way beyond that. Yeah,

1057
00:44:39,280 --> 00:44:41,040
Speaker 6: And like I'm a huge fan of a margin for error.

1058
00:44:41,520 --> 00:44:44,480
Speaker 6: So if this person the original dilemma had had a

1059
00:44:44,560 --> 00:44:47,800
Speaker 6: margin for error of three things, suddenly that failure is

1060
00:44:47,840 --> 00:44:49,000
Speaker 6: actually a success.

1061
00:44:49,200 --> 00:44:55,880
Speaker 4: Yes, yes, I agree. Also, in the book Topic Habits,

1062
00:44:55,880 --> 00:44:59,200
Speaker 4: they say you need just over fifty percent to like

1063
00:44:59,360 --> 00:45:02,200
Speaker 4: path of vo to be like President of America whatever.

1064
00:45:02,320 --> 00:45:03,480
Speaker 2: So orm's laters.

1065
00:45:03,680 --> 00:45:05,400
Speaker 4: If you're gonna you know, and I still say this

1066
00:45:05,440 --> 00:45:07,279
Speaker 4: in Quodes, if you're gonna slip up, just do it

1067
00:45:07,840 --> 00:45:11,120
Speaker 4: no more than fifty percent of the time. And then

1068
00:45:11,160 --> 00:45:13,440
Speaker 4: we asked if the month wasn't successful. What did you

1069
00:45:13,480 --> 00:45:16,879
Speaker 4: spend money on that you weren't meant to? Someone said,

1070
00:45:16,960 --> 00:45:19,880
Speaker 4: I made one purchase of a Monopoly board game for

1071
00:45:19,920 --> 00:45:21,320
Speaker 4: the family as was on sale.

1072
00:45:21,480 --> 00:45:24,800
Speaker 2: Fair enough, you got it, it was on sale.

1073
00:45:25,000 --> 00:45:28,640
Speaker 4: Someone said food, another said socializing, and another said coffee

1074
00:45:28,640 --> 00:45:30,600
Speaker 4: and takeaways. I feel like these are things that we

1075
00:45:30,680 --> 00:45:33,000
Speaker 4: encounter so often, so it really is hard to kind

1076
00:45:33,000 --> 00:45:36,000
Speaker 4: of put a band on those, like food, coffee, takeaways, socializing,

1077
00:45:36,440 --> 00:45:38,799
Speaker 4: you know, fair enough, those are very very hard things

1078
00:45:38,840 --> 00:45:42,160
Speaker 4: to avoid. And then we said tell us your two cents.

1079
00:45:42,480 --> 00:45:44,359
Speaker 4: So one person said, be kind to yourself. You can

1080
00:45:44,400 --> 00:45:46,279
Speaker 4: always try again. That's so true.

1081
00:45:46,320 --> 00:45:46,799
Speaker 2: I love that.

1082
00:45:47,440 --> 00:45:53,839
Speaker 4: Another said, read the book Good with Money from Emma Edwards.

1083
00:45:54,080 --> 00:45:58,240
Speaker 5: That wasn't me by that one came from Emma Edwards

1084
00:46:01,640 --> 00:46:02,160
Speaker 5: trolling me.

1085
00:46:04,320 --> 00:46:10,359
Speaker 4: Definitely, it genuinely was not from Emma. But that is

1086
00:46:10,400 --> 00:46:16,680
Speaker 4: an incredible tip. You prove that that wasn't from Emma

1087
00:46:16,880 --> 00:46:19,440
Speaker 4: and just take my word for it. Another said, go

1088
00:46:19,520 --> 00:46:22,360
Speaker 4: easy in yourself. No spend months are super restrictive and

1089
00:46:22,480 --> 00:46:26,000
Speaker 4: can be hard to maintain. Absolutely. Another said, don't be

1090
00:46:26,080 --> 00:46:28,080
Speaker 4: upset with yourself. Try again next month and see if

1091
00:46:28,120 --> 00:46:31,239
Speaker 4: you can beat those three purchases. Another said a month

1092
00:46:31,239 --> 00:46:33,360
Speaker 4: would feel too long, and that's where I'd fall down

1093
00:46:33,640 --> 00:46:37,400
Speaker 4: auto transfer and spend what's left. H We do you

1094
00:46:37,440 --> 00:46:41,120
Speaker 4: love an auto transfer in the town, which absolutely, but

1095
00:46:41,400 --> 00:46:44,000
Speaker 4: that doesn't usually with me. I go into the account

1096
00:46:44,040 --> 00:46:47,319
Speaker 4: that that auto transfer give us some of that back.

1097
00:46:48,600 --> 00:46:51,160
Speaker 4: And then another said maybe picking one category for a

1098
00:46:51,200 --> 00:46:54,200
Speaker 4: no spend month would help instead of going all or nothing,

1099
00:46:54,360 --> 00:46:56,200
Speaker 4: which is kind of what we were saying before. So

1100
00:46:56,360 --> 00:46:58,960
Speaker 4: I really really like that. These are all great suggestions.

1101
00:46:58,960 --> 00:47:00,919
Speaker 4: I think, Yeah, just go back to the drawing board.

1102
00:47:01,160 --> 00:47:03,839
Speaker 4: Try not to be too harsh on yourself. Honestly, you've

1103
00:47:03,880 --> 00:47:06,120
Speaker 4: done a great job just spending only three times in

1104
00:47:06,560 --> 00:47:08,680
Speaker 4: you know, twenty days, So good for you.

1105
00:47:09,000 --> 00:47:10,840
Speaker 2: I think it's a pretty good place to leave it.

1106
00:47:10,840 --> 00:47:13,080
Speaker 5: One hundred percent. Thank you so much for joining us, Emma.

1107
00:47:13,080 --> 00:47:15,840
Speaker 5: If people want to find you or the wonderful and

1108
00:47:15,960 --> 00:47:19,920
Speaker 5: highly recommended book Good with Money, where can they find you?

1109
00:47:20,280 --> 00:47:21,560
Speaker 7: Loved why She's on the money.

1110
00:47:21,920 --> 00:47:24,879
Speaker 6: You can find me at the dot Broke Generation on

1111
00:47:24,920 --> 00:47:28,560
Speaker 6: Instagram and occasionally TikTok, and my book Good with Money

1112
00:47:28,640 --> 00:47:30,480
Speaker 6: is bright yellow in most bookstores.

1113
00:47:30,520 --> 00:47:31,920
Speaker 7: You won't miss it, or you can get it on

1114
00:47:32,080 --> 00:47:34,799
Speaker 7: you know, all the majors Amazon, booktop Ya, after Books, etc.

1115
00:47:35,360 --> 00:47:38,480
Speaker 5: Incredible. Thank you so much for joining us. We had

1116
00:47:38,480 --> 00:47:40,200
Speaker 5: the best time and it was really fun to dive

1117
00:47:40,239 --> 00:47:42,120
Speaker 5: a little bit more into the psychology side of things.

1118
00:47:42,239 --> 00:47:43,200
Speaker 7: Thank you for having me.

1119
00:47:43,400 --> 00:47:45,759
Speaker 4: Thank you so much. All Right, guys, Victoria, We'll see

1120
00:47:45,800 --> 00:47:48,400
Speaker 4: you on Monday, Brighton early. Have a lovely weekend.

1121
00:47:54,680 --> 00:47:57,320
Speaker 8: The advice shared on She's on the Money is generally

1122
00:47:57,480 --> 00:48:01,239
Speaker 8: nature and does not consider your individual circumstances. She's on

1123
00:48:01,280 --> 00:48:04,799
Speaker 8: the Money exists purely for educational purposes and should not

1124
00:48:04,840 --> 00:48:07,840
Speaker 8: be relied upon to make an investment or financial decision.

1125
00:48:08,239 --> 00:48:10,680
Speaker 8: If you do choose to buy a financial product, read

1126
00:48:10,719 --> 00:48:14,040
Speaker 8: the PDS TMD and obtain appropriate financial.

1127
00:48:13,600 --> 00:48:15,400
Speaker 4: Advice tailored towards your needs.

1128
00:48:15,760 --> 00:48:19,720
Speaker 8: Victoria, Divine and She's on the Money are authorized representatives

1129
00:48:19,719 --> 00:48:23,439
Speaker 8: of Money. Sheper Pty Ltd a BN three two one

1130
00:48:23,640 --> 00:48:27,560
Speaker 8: six four nine two seven seven zero eight AFSL four

1131
00:48:27,640 --> 00:48:31,240
Speaker 8: five one two eight nine