Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it. She's on the Money, She's on
Speaker 1: the Money.
Speaker 3: Hello, and welcome to She's on the Money, the pod
Speaker 3: cast for millennials who want financial freedom. My name is
Speaker 3: Beckside and we are with Victoria Divine today.
Speaker 1: Hello, my friend, what a surprise. Fancy seeing you here.
Speaker 1: I know what are you doing here? Oh my gosh,
Speaker 1: I don't even know. I still don't know why you've
Speaker 1: let me on. More than it's like, how many episodes
Speaker 1: have we got? Now? Fair for you? I'm very generous, Yeah,
Speaker 1: like plus two hundred and fifty. That's a lot of
Speaker 1: ours in this studio. Guys, I tell you what you'll
Speaker 1: want the nice Oh, I'm going to be yeated you
Speaker 1: are very soon.
Speaker 3: But today we're talking about the cost of living, which
Speaker 3: which can get heated.
Speaker 1: Which can get yeated?
Speaker 3: Absolutely basically, no matter what you are feeling at the moment,
Speaker 3: the pinch of soaring costs of groceries and utilities and
Speaker 3: interest rates is quite heavy, and I feel like that's
Speaker 3: definitely going to weigh in a lot of people. It's
Speaker 3: pretty overwhelming actually, to be honest, it's a lot.
Speaker 1: At the moment, you and I were talking, and I
Speaker 1: feel like we should have had this conversation in front
Speaker 1: of the mics as opposed to off Michael. We're just like,
Speaker 1: how overwhelming is it at the moment? Like I feel
Speaker 1: like everybody is so conscious of what they're spending, but
Speaker 1: nobody's really talking about it, Like the media is talking
Speaker 1: about it, and everybody is kind of aware of it.
Speaker 1: We know things are getting more expensive, but I just
Speaker 1: feel like we need to be even more aware of
Speaker 1: it so that we make our friends and our family
Speaker 1: more comfortable and even ourselves more comfortable. As you know,
Speaker 1: I love to talk about TikTok because I basically live
Speaker 1: on TikTok. But Beck, have you heard of cottage core?
Speaker 1: It sounds familiar, but I don't think I know I've
Speaker 1: mentioned it before. Jess and I have actually been on
Speaker 1: the side of TikTok that is like this cottage core vibe,
Speaker 1: and it's just like embracing a particular like style or
Speaker 1: like theme. So recently, barbiecore, as you guys probably already know,
Speaker 1: I had a Barbie themed birthday party and it was
Speaker 1: the best thing in the entire world, very fun, It
Speaker 1: was a very good time. But that would be like
Speaker 1: a Barbie Core party because absolutely everything was Barbie. H
Speaker 1: I have an idea go on cost of living core.
Speaker 1: Oh okay, like, let's make it a theme where it
Speaker 1: becomes attractive to be frugal. Is that a thing like
Speaker 1: where we could just be, you know how like barbiecore?
Speaker 1: Barbie a few years ago people would have been like, Victoria,
Speaker 1: such a loser, why are you having a Barbie party?
Speaker 1: And then I plan a Barbie party because I am
Speaker 1: a loser and I was happy to embrace it. And
Speaker 1: then Warner Brothers is like, oh, by the way, we're
Speaker 1: doing a movie. I'm like, oh cool, So you're gonna
Speaker 1: make me look good, but I thought I was cool
Speaker 1: by myself, you know, right, right right. So now we're
Speaker 1: going to try and do cost of living core because
Speaker 1: I think it's something that we absolutely should be embracing,
Speaker 1: and I think it's something that our community we're already
Speaker 1: pretty familiar with it because like we're good at saving
Speaker 1: a dollar, Like every single week we do our money
Speaker 1: win thread in our Facebook group and it's my favorite
Speaker 1: thread to read through because you guys are wizards. Yeah,
Speaker 1: do you know how many posts over the last few
Speaker 1: weeks I've seen of people making my muffins? Oh, like
Speaker 1: my really cheap. I think it's like two dollars thirty
Speaker 1: or something for the entire batch of twelve muffins. Money wean, Yeah,
Speaker 1: how are they coming out? They're coming out great. A
Speaker 1: few people are saying, oh, this didn't work, they were terrible.
Speaker 1: I'm like, what did you do?
Speaker 4: Yeah?
Speaker 1: What did you do? Because I'm not amazing in the kitchen,
Speaker 1: and the recipe is really straightforward. It's one packet of
Speaker 1: cake mix, one standard sized tin of fruit mix, bake like,
Speaker 1: there's not a lot. I really need to know what
Speaker 1: you guys are doing for it to be messed up.
Speaker 1: So badly. I mean, I'm not throwing shade, just genuinely
Speaker 1: confused about how a too ingredient recipe is going so
Speaker 1: far off track. No Tino shade, Yeah, no tin, no shade.
Speaker 1: But I think that our community is very familiar with
Speaker 1: this topic of cost of living core, but we're now
Speaker 1: making it like a vibe and we're all going to
Speaker 1: be getting in on this so that we can save money.
Speaker 1: But also I think we need to address the anxiety
Speaker 1: side of this, the anxiety in the room. It's hard, right, Like, Beck,
Speaker 1: you and I were talking before, and obviously you love
Speaker 1: a broke tip, but we're talking before about that underlying
Speaker 1: feeling of going out for dinner with friends and you've
Speaker 1: budgeted for it, right, Like, you go out for dinner,
Speaker 1: like as we were talking, sometimes if you've really budgeted,
Speaker 1: you just pick like an entree and then you've budgeted
Speaker 1: for maybe one drink and then people are like, oh, Beck,
Speaker 1: do you want another drink? And you say no because
Speaker 1: you're like, oh no, thanks, like that's all good. Everyone
Speaker 1: around you orders another round and you're like, are we
Speaker 1: splitting this? I've ordered one, like I don't know, Like,
Speaker 1: is this now going to be split? Evenly and I
Speaker 1: only had one drink and one on tray, Like where
Speaker 1: is this going? Like it actually reminds me of when
Speaker 1: I had a lot less money, And I feel very
Speaker 1: privileged to be in a position where now I like
Speaker 1: to think that I'm really super aware of it, Like
Speaker 1: I do have enough to get by, and I do
Speaker 1: have enough, hopefully to take some pressure off my family
Speaker 1: and friends, and I love that. You know, as you
Speaker 1: guys know, my financial life has been a bit of
Speaker 1: a journey. I was in significant debt and it was
Speaker 1: crippling and awful and really weighed heavily on my mental health.
Speaker 1: And I've kind of gone on this journey of then,
Speaker 1: you know, getting to a point of you know, not
Speaker 1: financial freedom yet, but I'm definitely far more financially free
Speaker 1: than I was, and I have this beautiful privilege of
Speaker 1: being able to make decisions that you know, kind of
Speaker 1: transcend beyond finances, if that makes sense. I can go, oh, Beck,
Speaker 1: I do want to take a day off to rest
Speaker 1: or recover. I can afford to do that, and I
Speaker 1: think that's an absolute privilege. But it like throws me
Speaker 1: straight back to when I was in debt or trying
Speaker 1: to budget or trying to go out with my friends,
Speaker 1: and it just took away from the event. I know,
Speaker 1: I can totally relate to that.
Speaker 3: I remember I used to bring like boiled eggs to
Speaker 3: restaurants because I'd be like, I'm just gonna get like
Speaker 3: a little side salad.
Speaker 1: That's me a couple of bush you know, smart though,
Speaker 1: that's like forward thinking totally.
Speaker 3: That was so like condiments everything. I would bring them
Speaker 3: myself in little like you know, tupway containers or whatever.
Speaker 3: But my friend would always laugh at me because sometimes
Speaker 3: the eggs were peeled yet, so I'd have to sit there,
Speaker 3: I love feel these eggs and then pop them in
Speaker 3: like you know where it says ad sides. I would
Speaker 3: just be like, hey, can I have a side of
Speaker 3: this lettuce or this little and then they'd be like, yeah, okay,
Speaker 3: that's so weird, but sure, and they'd bring it out
Speaker 3: and I'd pop my little eggs in and I would try.
Speaker 1: And eat beforehand as well, so I wasn't super hungry.
Speaker 1: You know, that's so frugal. And I mean, arguably, I
Speaker 1: don't know if restaurants would now let you do that,
Speaker 1: but I mean, you do you like, yeah, I think
Speaker 1: it's probably frowned upon, I would say, but that was
Speaker 1: obviously done so that one you weren't under any more
Speaker 1: financial pressure. But I just feel like there's such a
Speaker 1: feeling of underlying anxiety that I remember just not enjoying
Speaker 1: being out with my friends sometimes because it was so stressful,
Speaker 1: like and they didn't know. They'd be like, oh, there's
Speaker 1: anything up, and I'd be like no, no, no, I'm just quiet.
Speaker 1: I'm just fine. Like reality, I was just like calculating
Speaker 1: in my hands how much it was going to cost,
Speaker 1: and are we splitting this evenly? Or I've only brought
Speaker 1: a certain amount of cash. What if people say they
Speaker 1: don't have cash and I'm the only one and I
Speaker 1: have to like transfer them back. I don't have enough
Speaker 1: money on my account to transfer them. I only brought
Speaker 1: this cat. Like, I feel like it's such a spiral,
Speaker 1: and like we've decided at the Sheesel on the Money
Speaker 1: off Us to embrace cost of living core and we're
Speaker 1: just going to take a more I guess, holistic approach
Speaker 1: to spending money. We're going to make it sexy. I
Speaker 1: think it's already sexy, but like we're going to try
Speaker 1: and make it more sexy, you know, begy, but it
Speaker 1: goes beyond and we've obviously shared these tips and tricks
Speaker 1: on the podcast before. We're like, oh, why don't you
Speaker 1: have your friends over for a brunch instead? Why don't you,
Speaker 1: you know, have a dinner party and everyone brings me in,
Speaker 1: like I think those things are really smart, and they are,
Speaker 1: but it goes beyond just the physical and into really
Speaker 1: stepping into what other people are thinking and feeling and
Speaker 1: how you make them think and feel, because there's nothing
Speaker 1: sexier than you know, me turning around and being like, Beck,
Speaker 1: I know I asked you out for dinner. I'm actually paying,
Speaker 1: and you go, oh, no, V, I don't want that, like,
Speaker 1: please don't pay, and I go, yeah, yeah, but I
Speaker 1: really want to go to this particular restaurant. But I
Speaker 1: also don't want you to feel that anxiety sure or
Speaker 1: flipping it and going I know that we're all stressed
Speaker 1: about this at the moment. Hey, Beck, I really want
Speaker 1: to catch up, Like, let's do something free or cheap. Yeah,
Speaker 1: and you might not even know what the outcome is.
Speaker 1: You don't have to think about it, but like, what
Speaker 1: can we do that's free or cheap?
Speaker 3: Totally I can run through if you like a few
Speaker 3: of please do please do? They do that are very cheap.
Speaker 3: So one suggestion would be tea and Tarot card night.
Speaker 3: Oh my gosh, chuck some frozen pizzas in the oven.
Speaker 1: Can you please invite me? Yeah, of course, offer tea
Speaker 1: in Tarot night.
Speaker 3: And you know I don't know how to read tarot cards,
Speaker 3: but you know you'll find mine whatever.
Speaker 1: I've never had my Tarot cards read. Yes, And you
Speaker 1: know I won't know the difference between good and bad. Oh,
Speaker 1: I won't know why.
Speaker 3: I'm just going to pretend that all cards are good,
Speaker 3: even if it's like this is the death part.
Speaker 1: It's like new life, you're moving past a traumatic event Victorian.
Speaker 1: I'll be like, oh, yeah, of course that's exactly how
Speaker 1: I feel.
Speaker 3: Yeah, I think so that's one of them obviously. Another
Speaker 3: one that I like to do with my friends is
Speaker 3: movie Night will start like a series together.
Speaker 1: I'm currently on f Boy Island. I'm going there. I've
Speaker 1: just started watching. Actually I love it. I feel like
Speaker 1: with the movie Night too. It can become really cheap
Speaker 1: if you do the frozen pizza thing, because it could
Speaker 1: add up if you don't have a plan, like if
Speaker 1: you go over to each other's house and then I'm like, oh, Beck,
Speaker 1: what's for dinner? And then you've already had a few drinks,
Speaker 1: so we can't go to the supermarket together and we
Speaker 1: have to order a breats. Yes, make a plan, and
Speaker 1: also stop buying pre made popcorn. Do you know how
Speaker 1: cheap popcorn can be? The microwave one, Yeah, but like
Speaker 1: the cheap one, so just buy the popcorn kern and
Speaker 1: pop it yourself in a saucepan. True, Actually, like that
Speaker 1: is the cheapest, healthiest, best snack. I would advocate for
Speaker 1: making it not healthy. So, like, my favorite type of
Speaker 1: popcorn is where you popple the popcorn, put it in
Speaker 1: a big bowl to the side. Then you melt some
Speaker 1: sugar and some water and make a caramel color like
Speaker 1: toffee sauce, and then you pour it over the popcorn
Speaker 1: and then sprinkle salt over it. It's so cheap because obviously
Speaker 1: it's just like a little bit of sugar and some
Speaker 1: popcorn kernels. But then it becomes like crunchy toffee popcorn,
Speaker 1: kind of like giving you know, like carnival vibes. Okay,
Speaker 1: so cheap, so good, so bad for you, so bad
Speaker 1: for you. You want it to be bad for you, though
Speaker 1: you got to do it one hundred percent. But what
Speaker 1: were you telling me about before?
Speaker 2: Beck?
Speaker 1: You were saying something off air about a Danish concept
Speaker 1: you wanted to bring up, and I thought that was
Speaker 1: pretty elite.
Speaker 3: Yes, I think this is so cozy, So I mean,
Speaker 3: I might be wrong here, whoever's listening, please correct me.
Speaker 3: But I have heard about this Danish concept of and
Speaker 3: I believe it's pronounced hougar. I think it's It does
Speaker 3: sound very dayniche. It sounds like a product you get
Speaker 3: at Ikea, and it sounds and I don't know how
Speaker 3: to explain it like a worm hug. So it's the
Speaker 3: hoogha the hoogar. Yeah, so I think it's defined, and
Speaker 3: I wrote this down.
Speaker 1: So you think or it is. I want it because
Speaker 1: I can see in front of you that you literally
Speaker 1: have the definition.
Speaker 3: Should write it down just in case, but it could
Speaker 3: be wrong. A quality of coziness and comfortable conviviality, convi
Speaker 3: vitality maybe yeah, whatever that engenders a feeling of contentment
Speaker 3: or well being.
Speaker 1: I love that. But I can tell that you didn't
Speaker 1: write that sentence. What's conviviality even mean? So I don't know.
Speaker 1: It sounds like a warm hug.
Speaker 3: Okay, so our produce to just let us know that
Speaker 3: it means friendly, lively, and enjoyable.
Speaker 1: Oh, that's wholesome conviviality. Yeah, I'm going to start throwing
Speaker 1: that into my everyday language and then you guys will
Speaker 1: think I'm really smart. I do think you're really smart.
Speaker 3: Basically, the point of that is I guess when things
Speaker 3: are cold and dark over winter to counter the possible
Speaker 3: depression of the season, you know, the winter sat Oh.
Speaker 1: Yeah, no, but that's a thing. Like I feel like
Speaker 1: I have seasonal depression. Sometimes I have real depression. I
Speaker 1: take actual medication for it. But like I feel like
Speaker 1: I have seasonal depression because like I don't want to
Speaker 1: get out of bed and I feel like doing nothing.
Speaker 1: Who wants to go out when it's dark and colder, darkness,
Speaker 1: cold and wet usually, So we're redefining it. We're redefining
Speaker 1: it basically the Danish people's celebrate hoogar and the sense
Speaker 1: of cozy comfort it can bring. So the principles of
Speaker 1: it are google boogo. Okay, maybe I'm just taking the
Speaker 1: mickey out.
Speaker 3: The principles of it are atmosphere, presence, pleasure, equality, gratitude, harmony, comfort, truce, togetherness,
Speaker 3: and shelter.
Speaker 1: That's so cute. That is actually really really wholesome. And
Speaker 1: I think this idea of like slowing down and being
Speaker 1: present with people and this like soft warm let's go
Speaker 1: buy home wess. That's not very cost of living core,
Speaker 1: is it? It's not? But we could buy a home
Speaker 1: with all right, So instead of buying home wors, maybe
Speaker 1: we just make like wholesome pop corn at home and
Speaker 1: have a pizza at night instead of going out totally.
Speaker 3: Or maybe you could find like a really nice warm
Speaker 3: light from an op shop and take that home with you.
Speaker 1: No, stop buying things op shop? Though? Do you have
Speaker 1: a blanket at home?
Speaker 3: Cool?
Speaker 1: We can sit on the couch with the blanket, malicorn.
Speaker 1: Now are you talking? Yeah? See see see talk dirty
Speaker 1: to me.
Speaker 3: I think we should go to a really quick break
Speaker 3: and when we come to a popcorn, let's do it.
Speaker 1: On the flip side, we're going to give you some
Speaker 1: really hot tips and tricks about how to embrace this
Speaker 1: cost of living core. We're trying to make a thing,
Speaker 1: and it's actually up to you, guys to make it
Speaker 1: a thing. Because like Beck and I, we're just on
Speaker 1: the pod, like the community, that's what makes things come
Speaker 1: to life. So make this happen, immensis. We'll be back.
Speaker 1: All right, we are backback, and I want to start
Speaker 1: this conversation because I can see that you've got a
Speaker 1: list of all of your favorite like broke tips and tricks,
Speaker 1: and this is basically now going to be like a
Speaker 1: Beck show, which I'm very excited about. But before we
Speaker 1: get there, during my time working in psychology, and you've
Speaker 1: heard this on the pod before, I was introduced to
Speaker 1: this con called reframing, and it sounds really I guess, fluffy,
Speaker 1: but it's taking one mindset and kind of shifting it
Speaker 1: to another. And it's kind of like a tool in
Speaker 1: the toolkit of counselors and psychologists that they use to
Speaker 1: kind of one paraphrase back to you your concern or problem,
Speaker 1: but in a way that takes it from one mindset
Speaker 1: to another. So like you might be bossy, and you
Speaker 1: might say, and I got this a lot when I
Speaker 1: was younger, like, oh, Victoria is so bossy And no,
Speaker 1: actually I'm a natural leader. Yeah, like absolutely not. I'm
Speaker 1: a visionary. I am. You know, somebody who's really passionate
Speaker 1: about what I do and I know what I want.
Speaker 1: Someone might have said, Oh, she's so demanding, and no, no, no,
Speaker 1: I know what I want. I'm outspoken, and I feel
Speaker 1: like it's taking something that might have a negative connotation
Speaker 1: and putting it into a positive mindset. So instead of
Speaker 1: saying like, oh, I'm never going to be able to
Speaker 1: do this, you might say, I'm doing the best that
Speaker 1: I can right now with the tools and reins sources
Speaker 1: that I have access to. And if you might say, oh,
Speaker 1: I'm not very good at this, like I'm gonna fail,
Speaker 1: like I'm never gonna be able to stick to my budget,
Speaker 1: you might go, I've accomplished so much already and I'm
Speaker 1: learning as I go, and I think just making these
Speaker 1: mindset shifts, like you might go, it's too hard. You
Speaker 1: might go, I know I'm capable of accomplishing this, Like
Speaker 1: there's just so many different ways to reframe, and I
Speaker 1: know it sounds fluffy, and you might go, that's lame,
Speaker 1: like stop that. But negative self talk is inherent. Like
Speaker 1: at the end of the day, way back when we
Speaker 1: were cavemen, Beck, we'd make terrible cavemen. Now it's like
Speaker 1: asking my dog Lucy, like, do you know that you
Speaker 1: used to have to fight for your food? Sir? Like,
Speaker 1: sit down, Lucy, Like can you imagine Lucy going out
Speaker 1: into the wild and trying to like serve herself? Like,
Speaker 1: absolutely not, she'd be like and those biscuits warmed because
Speaker 1: if they're not warmed, yeah, like I'm actually gonna starve myself.
Speaker 1: But back in cavemen times, like we had to be
Speaker 1: very defensive because our lives were risk so of our shelter,
Speaker 1: of our food, of our you know, looking after ourselves,
Speaker 1: we had to be very negative because the worst outcome
Speaker 1: could be true. We now live in what is arguably
Speaker 1: a semi civilized society, so we can leave the house thankfully,
Speaker 1: very privileged. We're in Australia. We can leave the house safely, comfortably,
Speaker 1: Like there's so many resources. So being a little bit
Speaker 1: more positive is actually a really good tool. But we automatically,
Speaker 1: as human beings, default to negative. It's hardwired into our
Speaker 1: brain to be negative. If you think you're a negative person,
Speaker 1: it's just because you're hardwired that way. And it takes
Speaker 1: work to become positive, and it takes work, but work
Speaker 1: makes us uncomfortable and we actually need to change that.
Speaker 1: So sometimes you have to be a little bit uncomfortable
Speaker 1: to become ultimately comfortable. So I think if you're feeling
Speaker 1: like being frugal sucks, or you know, you feel like
Speaker 1: you're losing something, I think reframing it to I'm going
Speaker 1: to get to spend way more quality time with my friends.
Speaker 1: I'm going to feel so much less pressure, Like let's
Speaker 1: change the mindset around the because as much as it
Speaker 1: sounds fluffy, and I am a relatively fluffy human being,
Speaker 1: but as much as it's fluffy, it actually has an
Speaker 1: impact on our mental health and how we feel and
Speaker 1: how we see situations like you're not missing out on anything.
Speaker 1: And I think the second we can see that, the
Speaker 1: more likely we are to embrace things. And I mean,
Speaker 1: you're like the best frugal queen I know. But I
Speaker 1: know that there's such value even in making decisions like
Speaker 1: that because they are based more on quality time as
Speaker 1: opposed to the activity. Like sometimes we pick a really
Speaker 1: nice restaurant because that could be the topic of conversation,
Speaker 1: like let's go out to that restaurant. We can talk
Speaker 1: about the food, we can do this, we can do that,
Speaker 1: let's be honest, if I invite you to my house, Beck,
Speaker 1: there's no chatter going around. We're not like, oh do
Speaker 1: you like her? Top? Do you like this too? Like
Speaker 1: we actually have to focus on enjoying ourselves together and
Speaker 1: having good conversation and all of that stuff. So I
Speaker 1: think that one, it's beautiful, But two, I think take
Speaker 1: the pressure off yourself. If you're being negative, if you're
Speaker 1: saying I could never do that, be like, well why
Speaker 1: not give it a go? You're completely capable of giving
Speaker 1: it a shot.
Speaker 2: Sorry.
Speaker 1: Yeah, anyway, that's my little soft, fluffy side of the podcast.
Speaker 1: I mean, it's been a relatively fluffy podcast. But can
Speaker 1: you give me some cost of living core ideas? I
Speaker 1: feel like there are six million, of course I can.
Speaker 3: So I just want to quickly say this really reminds
Speaker 3: me of just off topic. I'm so sorry, But I
Speaker 3: watch this show is called Soup Store, and there's one
Speaker 3: episode where.
Speaker 2: I love.
Speaker 1: One of the even we're obsessed.
Speaker 3: I've run out of episodes, saying I keep watching the
Speaker 3: same thing over and over again.
Speaker 1: But Nero spicy girl things love this show.
Speaker 3: So one episode they're talking about someone wants a pay
Speaker 3: rise and so they have like a big meeting, and
Speaker 3: it's like a budget is a pay rise you give yourself,
Speaker 3: and they're trying to like reframe literally living on no money,
Speaker 3: and I'm like, this could be exactly what maybe we're
Speaker 3: doing here for some people out there. But I do
Speaker 3: just want to say, like, unfortunately that's the reality of it,
Speaker 3: but you can sometimes make things a little bit cozier,
Speaker 3: a little bit comfier for yourself, Yeah, if you still
Speaker 3: to enjoy the finer things like seeing friends and being
Speaker 3: social and things like that. So my friend she has
Speaker 3: like a full spreadsheet of different teas, and I know
Speaker 3: I mentioned tea in the first half, but I just
Speaker 3: want to like really reiterate how wholesome and warming and
Speaker 3: fun it is. Basically what she does is she'll get
Speaker 3: like Earl Gray, She'll get all different brands of Earl
Speaker 3: Gray that can be a little bit pricey, so you
Speaker 3: don't have to be doing that, but I can get
Speaker 3: like two or three You get two or three once
Speaker 3: a week or once a fortnite and just meet up
Speaker 3: with your friends and taste the teas and tasting but
Speaker 3: way more budget.
Speaker 1: Yeah, exactly.
Speaker 3: And she literally has a spreadsheet of all the teas
Speaker 3: that her and her friends have already kind of like
Speaker 3: basically judged, And I just want to say Madura Tea
Speaker 3: is currently coming up on top. Yeah no, that will
Speaker 3: always come up on top. That's the English breakfast Madure.
Speaker 3: I don't know about the other.
Speaker 1: Madia By also going off track from Madua, the Yorkshre
Speaker 1: tea gold is my favorite black I'm going to write
Speaker 1: that down. Yeah, Yorkshare tea comes in the gold box.
Speaker 1: It looks fancy, it's not. And then what's that one?
Speaker 1: It's like the Lady, the Lady, the Lady.
Speaker 3: I don't know why I said that so loudly, like
Speaker 3: I knew what you're talking about, and I didn't.
Speaker 1: The Madam flavor teas mad them. I don't think I've
Speaker 1: heard about this. We only buy them when they're on
Speaker 1: sale because they're like seven dollars a box. Otherwise, look
Speaker 1: how boogie that looks?
Speaker 2: Oh?
Speaker 1: I do know this?
Speaker 3: When I like their green tea with jasmine and something, Yeah, see, they're.
Speaker 1: Fancy bougie ones. And my favorite tea is actually their
Speaker 1: lemon grass, lime and ginger, which is really good for
Speaker 1: pre recording. So your voice sounds really nice. I don't
Speaker 1: think I could f with the lemon, grass and ginger.
Speaker 1: But I'm going to write that down anyway, just in
Speaker 1: case the Madame flavor ones. But just for those of
Speaker 1: you who missed out, Beck just called twinings tea twinnings.
Speaker 1: I just I'm not letting anybody let that slips. Twiny
Speaker 1: just doesn't look like it should be twinings anyway. Phonetically
Speaker 1: it makes sense would be one.
Speaker 3: No, no, anyway, I'm shocked to the absolute core.
Speaker 1: The word twins has one in huh oh. But like
Speaker 1: you know, I'm not here to teach you English, here
Speaker 1: to teach you about money.
Speaker 3: I love you that I need to do English after this,
Speaker 3: it's not.
Speaker 1: It's way better this way. So we're going to do
Speaker 1: tea tastings.
Speaker 3: We tastings with your friends. You can do them by
Speaker 3: yourself as well. If you're having an ID and you
Speaker 3: want to pamp yourself have some teas.
Speaker 1: Tea's really good.
Speaker 3: And also, like sometimes I do have a pampanite myself,
Speaker 3: and what I do is I just get the cheapest, cheapest.
Speaker 1: Bottle of loution.
Speaker 3: Honestly, I don't know much about skincare, so don't listen
Speaker 3: to me. But petroleum jelly all over the body.
Speaker 1: I love it. All right, We're not going to go
Speaker 1: too far into that because I think that a lot
Speaker 1: of faithful are going to be that's so bad for you,
Speaker 1: that's coodemic. Like, all right, sorry, probably let me.
Speaker 3: I'm very poor anyway, I'm not really. The next thing
Speaker 3: I'm going to tell you about is my delicious, very
Speaker 3: cheap fried rice.
Speaker 1: Oh I love a fried rice. So what you do do? S? Yeah,
Speaker 1: I'm wing.
Speaker 3: I know there's a lot of people out there that
Speaker 3: already know this, but you do have to use day
Speaker 3: or a couple day old rice's planning for me?
Speaker 1: Absolutely not. You can use it fresh if you like.
Speaker 1: That's no problem with that. You know what, I don't
Speaker 1: even like cooking rice myself. I'm about to give you
Speaker 1: a rice tip as well after this, so that's you
Speaker 1: can get good.
Speaker 3: It's obviously not good for the environment. You can get
Speaker 3: once that a microwaveable.
Speaker 1: But absolutely not. We do not buy microwave and the
Speaker 1: how are you kidding? That is so expensive? What am
Speaker 1: I going to do? Like pay a dollar for a
Speaker 1: cup of rice back? Absolutely not if you don't like cooking.
Speaker 1: But anyway, you if you're on the money. You don't
Speaker 1: buy a pack at ideally not. You know what I
Speaker 1: should do in my newsletter in a couple of weeks,
Speaker 1: how to cook the perfect rice, because I think I'm
Speaker 1: really good at it. It's not traditional, Like I haven't
Speaker 1: told you how I cook my rice to perfection before,
Speaker 1: because you guys would jump down my throats and be like,
Speaker 1: that's not how to cook jasmine rice. You're slaughtering it.
Speaker 1: But you know what comes out perfect every time, doesn't it?
Speaker 3: I don't know yet, but I'm sure i'll coo my
Speaker 3: rice for you. I think I cook the perfect rice.
Speaker 1: Do you do it in a rice cooker? Because I
Speaker 1: know way? Yeah, No, I haven't invested anyone. I just
Speaker 1: can't justify it, like I'm not buying an appliance that
Speaker 1: has one function.
Speaker 3: Yeah that's actually a really good point. But absolutely Also,
Speaker 3: I think I do have rice cook It always does
Speaker 3: come out perfect.
Speaker 1: It must be nice. It is nice. Actually.
Speaker 3: So what you do with the fried rice is you
Speaker 3: chuck in your rice, which should be you know, not
Speaker 3: super expensive, cook it up ideally today old that's okay.
Speaker 3: If not, you pop in some sesame oil. If you have,
Speaker 3: you can get the home brand one they.
Speaker 1: Don't have home brand soy sauce too, they know, and
Speaker 1: I think they do now. I think they have like
Speaker 1: Coals or Woolies brand soy sauce.
Speaker 3: Yeah, I think they must. Or you can get like
Speaker 3: the black and gold soy sauce. I'm pretty sure that's
Speaker 3: the thing. If not, just find the cheapest soy sauce. Basically,
Speaker 3: all you need is sesame oil, soy sauce, rice, frozen peas,
Speaker 3: and what I do is I add a scrambled sort
Speaker 3: of egg and you chuck it all in there. You
Speaker 3: pop in your fried tofu if you like. It doesn't
Speaker 3: cost too much, but.
Speaker 1: It lasts so long. So this is showing my privilege again.
Speaker 1: But I think that you'll agree or laugh. I don't know.
Speaker 1: I don't even know what should be telling this story
Speaker 1: because it's honestly relatively unrelatable. So okay, that's good. As
Speaker 1: you know, I have been renovating my house and I've
Speaker 1: just moved back into it, and they left all of
Speaker 1: my other condiments somewhere else. Oh and so I've had
Speaker 1: to buy all of my condiments again. So I have
Speaker 1: gone to Coals and I bought like olive oil and
Speaker 1: peanut oil, and I bought soy sauce, and I bought
Speaker 1: jars of ginger and garlic and chili and all of
Speaker 1: those things that I use like quite regularly. As you
Speaker 1: guys know, I'm the beest fan of Marley Spoon. Honestly,
Speaker 1: that can be a money in it itself. Like I
Speaker 1: know that some people look at meal kits like Marley
Speaker 1: Spoon and go, oh, that's really expensive, Like I could
Speaker 1: definitely make that meal for less, and you go, well,
Speaker 1: maybe you could. But the idea that they send the
Speaker 1: perfect amount of ingredients so that there's basically no waste
Speaker 1: and you get all of these really cool different meals,
Speaker 1: like it ends up being quite cost effective. But anyway,
Speaker 1: you need, like you know, some basic soy sauce and
Speaker 1: like peanut oil and stuff to cook those as well.
Speaker 1: I spent more than three hundred dollars like holes on condiments.
Speaker 1: Oh my god. I took a photo of the receipt
Speaker 1: because I was so embarrassed of myself, and I sent
Speaker 1: it to my husband and I was like, is this
Speaker 1: a joke? Like we needed these things and they were
Speaker 1: like lots of basics, like we had it completely empty pantry,
Speaker 1: completely empty fridge, So I was buying things like tomato
Speaker 1: sauce and like mayonnaise and just like all those things
Speaker 1: that you want in your fridge. And I knew that
Speaker 1: if I didn't buy them, I would be looking for them.
Speaker 1: Like you know, when you're like, oh, I'm cooking dinner
Speaker 1: and your husband's not that you have a husband, maybe
Speaker 1: you will one day, maybe you have a wife. I
Speaker 1: don't know, beck, but your husband's like, oh, can I
Speaker 1: have some sauce? And I'm like, no, I have none.
Speaker 1: I just knew he'd ask because sometimes when I cook,
Speaker 1: you really do need to cover it up with tomato sauce.
Speaker 1: So like I knew that was coming. It's just small
Speaker 1: things like that, they all really added up, and I
Speaker 1: was just like, holy moly, even to cook these days
Speaker 1: without buying any real food, absolute fraud. Yeah, don't even
Speaker 1: get me started on the cost of olive oil. Oh
Speaker 1: my gosh, it's so excited and zip like, what why
Speaker 1: is it tastes so much better? Tastes so much better though,
Speaker 1: that's the why is it so much more cost effective
Speaker 1: to buy the big bottle, which is obviously far more
Speaker 1: expensive than the small bottle. But you know you're going
Speaker 1: to go through it, so you should buy the big bottle,
Speaker 1: but it's not on sale, so you don't do it,
Speaker 1: and then totally get you Just another really quick thing. Yeah,
Speaker 1: I'm ready.
Speaker 3: One thing that you can just literally chuck in your
Speaker 3: garden if you have a garden, if you have any
Speaker 3: sort of mud anywhere, or dirt anywhere, sorry, soil dirt,
Speaker 3: soil bud if you want, if you have like a
Speaker 3: little bit of the end of a shalot.
Speaker 1: Smart they regrow. Some people call a spring onion. I
Speaker 1: just regrow them in a jar and they put water
Speaker 1: in the bottom of them, and you just chuck the
Speaker 1: shots in there. They just regrow.
Speaker 3: They're impossible to kill, and you don't have to be
Speaker 3: buying bunches of shalots all the time.
Speaker 1: Do you call them? I call them spring onions, Of
Speaker 1: course you do. That's very Victorian, isn't it. What do
Speaker 1: you mean? I feel like chalot's away fancier. But chalots
Speaker 1: are those tiny, tiny red onions. I don't think so.
Speaker 3: Oh okay, well, no worries, so that's true. I think
Speaker 3: that is a thing, but it's different maybe in Sydney.
Speaker 1: I don't know. Oh those are eschelots lit No, you're
Speaker 1: making this so complicated. This is meant to be like quick, fun,
Speaker 1: fast tips. And now we've gone completely off track and
Speaker 1: you're telling everybody to grow spring onions in their garden
Speaker 1: like that's a very very living core. So maybe we
Speaker 1: are on track totally. That's very very good. That's going
Speaker 1: to save you a lot of money in the long run.
Speaker 1: So you recommended fried rice, which I think is a
Speaker 1: ten out of ten. Can I tell you about my
Speaker 1: budget af rosotto recipe? Please? All right? So risotto rice?
Speaker 1: Get it on sale because it's the more expensive rice,
Speaker 1: a boreo rice. So get some a boreo rice. You'll
Speaker 1: need maybe like an onion, because I feel like an
Speaker 1: onion makes things better. I always buy ja garlic, so
Speaker 1: like we're not buying proper garlic, way too expensive. Also,
Speaker 1: who can be bothered pealing garlic to cook? If you
Speaker 1: do that, you are literally a better person than me.
Speaker 1: I get my tea spoon out and I blot straight
Speaker 1: into the pan. We're good to go. But you want
Speaker 1: some garlic and some onion because I feel like that's
Speaker 1: the start of any good recipe. You want some maboreo rice.
Speaker 1: You need the kettle and you need a good tin
Speaker 1: of cream of mushroom soup. Ah, And we are going
Speaker 1: to make a jug of the cream of mushroom soup
Speaker 1: with the boiling water, and then we're going to slowly
Speaker 1: put it in to the risotto mix over time. I'll
Speaker 1: put it in a newsletter at some point because it
Speaker 1: is one budget friendly, really scalable, and you can add
Speaker 1: whatever you want. So if you're going to get fancy,
Speaker 1: you could grab a tub of mushrooms and fry them
Speaker 1: up a little bit, chuck them in stunning you want
Speaker 1: to add some like chicken or some type of protein,
Speaker 1: I'd put like a fried tofu in there. Tofu very
Speaker 1: budget friendly. But also my favorite thing about tofu is
Speaker 1: it soaks up all the flavors, so if you put
Speaker 1: it in earlier, it's going to taste even better. My
Speaker 1: favorite part about it is I feel like if you
Speaker 1: invite friends over for a risotto, it feels a little
Speaker 1: bit fancy. So ask them to bring a nice bottle
Speaker 1: of black white wine. Bam, you've got a date. You've
Speaker 1: got a date night. It's a stunning meal. I mean,
Speaker 1: you can be fancy and add things like palmesan cheese,
Speaker 1: but to me, that racks up the cost. You don't
Speaker 1: necessarily need that, but top your favorite little rosotto with
Speaker 1: some nutritional yeast. You good to go to that. Speak
Speaker 1: at your namemson. We're about to speak to our producer
Speaker 1: who's had his name Jim Palmesan. Well, she's been jumping
Speaker 1: up and down. She's like, I've got one, I've got one,
Speaker 1: and I'm like, is this your show? She's the producer. Hi,
Speaker 1: she's the main character.
Speaker 4: My name's Anlis. Welcome to She's on the money. No, guys,
Speaker 4: I was just getting so excited about this episode because
Speaker 4: I have lived very frugally from time to time, and
Speaker 4: I do enjoy I'm my father's daughter, so my dad
Speaker 4: is like the king of firstly the king of the kitchen,
Speaker 4: but also the king of like reusing things and and
Speaker 4: actually making them. This is quintessential cost of living core.
Speaker 4: So it's actually it's not just about like getting by,
Speaker 4: it's about making it better.
Speaker 1: And like enriching it by doing it.
Speaker 4: So you know what my dad does if he cooks
Speaker 4: a roaster, if you have like a roast chicken, save
Speaker 4: all the bones, like when when you strip the meat off,
Speaker 4: put them in a bag in the freezer with the
Speaker 4: veggie peelings over the course of a couple of weeks.
Speaker 4: If you have like a meat roast or something, you
Speaker 4: save the bone, put it in and then you do
Speaker 4: a big boil up with some bay leaves, salt, some
Speaker 4: pepper and cardamen and you make a broth. And that bone.
Speaker 4: That broth is like I just did it the other day.
Speaker 4: It is so it is so much better than anyone
Speaker 4: that you will buy. So you are actually using things,
Speaker 4: you're making a better product. And then I will make
Speaker 4: an Asian noodle soup which was something like that, or
Speaker 4: add that to another soup, and it.
Speaker 1: Is like use that in your risotto bex. I'm telling
Speaker 1: you you can.
Speaker 4: And it's it is, no kidding, one hundred times better
Speaker 4: than anything you can buy. So I just had to
Speaker 4: jump in there and like represent a bit of Gary redlick.
Speaker 1: He'd be broad, he'd be broad that I was showing
Speaker 1: that he got a shout out on the pod today.
Speaker 1: Do you let him know he's not even in his country,
Speaker 1: But that doesn't matter.
Speaker 4: We'll sell it in his bones, not his but the
Speaker 4: ones he's been collected.
Speaker 1: Yes, yes for broth, Yes, I love that.
Speaker 4: But just thought I was tighting, but thank you for sharing.
Speaker 4: I will get back off Mike Robe belong now and
Speaker 4: leave you.
Speaker 1: To it, but we'll drag her on later. I love it.
Speaker 3: See but not heard, please, I thought you were going
Speaker 3: to talk about bubble and skork.
Speaker 1: So there's so many things that we can do with food, right,
Speaker 1: I feel like we're all good at that. We think
Speaker 1: about food, we think about have you ever done a
Speaker 1: cheese date where you have to take one cheese and
Speaker 1: then all the friends take a cheese like instead of having, like,
Speaker 1: you know, one friend do the cheese platter, which is
Speaker 1: absolutely obnoxious. You're on hard cheese and a Lisa might
Speaker 1: be on a soft cheese. I'm on a specific type
Speaker 1: of condiment that goes with it, and we all have
Speaker 1: to bring that. And then we do the community cheese board,
Speaker 1: and then you have this epic community cheese board and
Speaker 1: it didn't cost everyone an absolute bomb. Anyway, that's a
Speaker 1: good idea. But let's move off food because as much
Speaker 1: as our team adores a good SNACKO, there's so many
Speaker 1: other things we could do, like gifts. Yes, let's talk
Speaker 1: about regifting. Regifting regifting.
Speaker 3: I automatically went to reusing paper cardboard, et cetera, et cetera,
Speaker 3: to give gifts, But regifting is also a really good idea.
Speaker 1: You gave me a gift this morning, bag I did,
Speaker 1: and I was looking at the paper and I was like, hmm,
Speaker 1: I wonder if we could use it. Did you see
Speaker 1: what I did with it? Or did you put it
Speaker 1: in your bag? I folded it up and to go
Speaker 1: good for you. It was so cute and it was
Speaker 1: like that thicker paper. I was like, this is expensive.
Speaker 1: You want to check about It's going in my my
Speaker 1: wrapping paper drawer. Yeah, great idea, But what are your thoughts?
Speaker 1: What happens if you get given a gift? And I
Speaker 1: guess this is only me saying it because I've written
Speaker 1: down gifts to talk about on the pod, So I
Speaker 1: feel like I'm kind of awkward now talking about this
Speaker 1: because I actually adore the gift that you've given me.
Speaker 1: You will never see me regifted. But what do you
Speaker 1: think about regifting? Do you think it's the right thing
Speaker 1: to do, but the right thing to do? Like, I
Speaker 1: think it's a frugal thing to do.
Speaker 3: I think it's absolutely fine, But I think I probably
Speaker 3: gift different. I'll find something very strange and gifted as
Speaker 3: more of a jokey gift.
Speaker 1: So that kind.
Speaker 3: Of thing like something that's under five dollars, say, like
Speaker 3: a weird bottle opener or something no context behind it
Speaker 3: and it's just very funny and you know, nothing that
Speaker 3: was going to break the bank.
Speaker 1: Basically is how I like to gift.
Speaker 3: So those things are absolutely fine to regift because they're
Speaker 3: useless but also funny, so you can regift it. But
Speaker 3: even like if it's something more expensive, I think that
Speaker 3: it's absolutely fine to regift.
Speaker 1: I agree one probably keep track of who gifted it
Speaker 1: to you so you don't give it back to them
Speaker 1: because that could be awkward. But going back to this
Speaker 1: reframing concept, I think we need to also reframe gifts.
Speaker 1: So like a gift is something that I give you
Speaker 1: beck or give somebody else to let them know that
Speaker 1: I appreciate them and I want to celebrate them by
Speaker 1: me partaking in the act of giving you that gift.
Speaker 1: We did it. So what happens to that gift after that?
Speaker 1: I don't think it matters too much, yea. And I
Speaker 1: know people get really like tied up and they're like, oh,
Speaker 1: they didn't like the gift. No, no, no. I loved
Speaker 1: the gift. I was thought of. You put some time
Speaker 1: and energy in thinking about something I might like. Maybe
Speaker 1: if I didn't like it, I've gone and gifted it
Speaker 1: to somebody else. And the gift was the fact that
Speaker 1: I didn't have to buy them at present. But I
Speaker 1: think the act of me giving you that gift, that's
Speaker 1: the gift in itself. Like the gift served its purpose.
Speaker 1: I felt appreciated, I felt thought about, and that's what
Speaker 1: you wanted from the gift, right totally, So now we
Speaker 1: can love it and leave it alone. I love that.
Speaker 1: Do you know what my theory is? What's your theory?
Speaker 3: You know those soap gift things come like soaps, I
Speaker 3: reckon there is at least one out there that has
Speaker 3: been regifted and regifted and it's just not been open
Speaker 3: for twenty years and now it's just found its way
Speaker 3: somewhere else, because those are the most regifted things in
Speaker 3: the world. So I almost want to receive one so
Speaker 3: I can give it to someone else.
Speaker 1: I was at Christmas time, actually, someone gave me a
Speaker 1: real fancy box of lint ball chocolate. Yes, and I
Speaker 1: love a lint ball, but I'd forgotten that I was
Speaker 1: going in my parents' house for dinner. Perfect him, um, stunning,
Speaker 1: I thought, I listened to this episode please, But yeah,
Speaker 1: I kind of regifted that that was good, but it
Speaker 1: served its purpose. I was so excited that the stress
Speaker 1: of having to pick something up on the way gone
Speaker 1: totally and you can still eat them. Another thing I
Speaker 1: really like doing that. I'm not sure you should do
Speaker 1: because I don't think you can be trusted. Is DIY
Speaker 1: beauty services? Oh yeah, don't trust me, so beauty services
Speaker 1: for me, I think is a great DIY. I'm someone
Speaker 1: who paints my nails and everyone's like, oh my gosh,
Speaker 1: you're so good at painting your nails. I could never
Speaker 1: I painted my nails like a toddler for a very
Speaker 1: very long time. Like you know where you get it
Speaker 1: all over your skin? Yes? Do you know the best
Speaker 1: thing about that? If you use normal nail pollution, then
Speaker 1: get it on your skin. You can go in the shower,
Speaker 1: gets a bit warm, you just scritch it off, and
Speaker 1: then your nails are great. That's a great idea. I'm
Speaker 1: not saying that that's the way we should always do it,
Speaker 1: but when it comes to doing your own nails, practice
Speaker 1: makes perfect and I do my own. I don't go
Speaker 1: and see someone else anymore, not because I don't value it.
Speaker 1: I just one. I kind of like the active self care.
Speaker 1: I always do it. Put f where Island or something on, Yes,
Speaker 1: And I like paint my nails and have a good time,
Speaker 1: and I just love doing it. But I also love
Speaker 1: that I get to do it for myself, and I've
Speaker 1: just gotten really good at it over time. I've picked
Speaker 1: up a few different tools and things that I wanted
Speaker 1: to purchase, and all of them have been less than
Speaker 1: I guess the cost of a salon visit. And not
Speaker 1: everyone cares about their nails, Like so many people could
Speaker 1: not give to flying whatever is about doing their own nails.
Speaker 1: But like, if there's something that you could do yourself,
Speaker 1: is it possible? I mean I wouldn't risk becoming blonde.
Speaker 1: I mean you would, you definitely would send yourself blonde
Speaker 1: at home, but I wouldn't risk that. But there are
Speaker 1: just things in my budget, Like I don't get eyelash
Speaker 1: extensions anymore because I'm just so aware of how much
Speaker 1: they were adding up, and I was like, oh, I
Speaker 1: love it, not saying forever I will not have lash extensions,
Speaker 1: Like there's something about and Beck. I don't know if
Speaker 1: you ever resonate with this, but far out I feel
Speaker 1: fifty times prettier with a set of really nice slashes on.
Speaker 1: Oh my god. The confidence that that instills in me
Speaker 1: is wild. Like I feel once I get them taken off.
Speaker 1: Even though I have nice, natural, normal eyelashes, I feel
Speaker 1: like a bald bandicoot. The second they're gone, I'm like,
Speaker 1: what has happened? Everyone's going to think I'm so ugly.
Speaker 1: Oh no, But I decided that that wasn't in my
Speaker 1: budget for a little while because it was just adding
Speaker 1: up and it was something that one took a lot
Speaker 1: of time, but also I just wasn't getting the value
Speaker 1: out of it, so took that out of my budget.
Speaker 1: Doing my own nails, I do my own tan at
Speaker 1: home like I hardly ever ever ever. I think the
Speaker 1: last time I got was my wedding, and prior to that,
Speaker 1: I don't think I'd ever had a professional spray tan. Right,
Speaker 1: do that at home as well? Do my own eyebrows
Speaker 1: at home? Yeah, like, I love doing it. I will
Speaker 1: go out occasionally, But I think that there's something about
Speaker 1: embracing and learning more about being able to do that.
Speaker 1: So if you're like, oh, I could never paint my
Speaker 1: own nails, why why can't you just give it a crack?
Speaker 1: Why can't you just have a turn, Like, do it
Speaker 1: when you're not going to a really big event. Obviously,
Speaker 1: don't try it the day before because that would send
Speaker 1: me into a meltdown. But I think it's yeah, very sexy.
Speaker 1: You're good at beauty services act now I think about
Speaker 1: it deeply.
Speaker 3: Back, I am. I do do everything at home myself.
Speaker 3: I've never been to a hairdresser. I only used to
Speaker 3: maybe get my eyes your own hair, I cut my
Speaker 3: own hair. Just someone else do that for you. You
Speaker 3: don't know what you just have had it I do.
Speaker 1: But you look like you're so cool. Oh thank you,
Speaker 1: that's so nice. I think you're just good at it.
Speaker 3: I've done it for so long for starters. But also
Speaker 3: I don't care enough about like, if it's long at the.
Speaker 1: Back, you literally have a mullet. I probably haven't.
Speaker 3: I'm so happy to just get like literal paper scissors
Speaker 3: and cut I don't actually too much. So if you
Speaker 3: do value the quality or the health of your hair
Speaker 3: and you want it a certain way, maybe don't do
Speaker 3: it at home.
Speaker 1: I'm glad I gifted you Oliplex because you sure need it.
Speaker 3: I use the whole bottle was great, but no, even like,
Speaker 3: you know, make my hair blonde and.
Speaker 1: Yep, stunning for your Barbie party.
Speaker 3: You might have seen that you came as blonde can yeah,
Speaker 3: and you might have thought, wow, she's bleached her hair.
Speaker 1: Actually thought you'd bleach your hair again. And I was like,
Speaker 1: this is commitment, Like you turned up, you were a
Speaker 1: hot don't worry, thank you, But also what did you do?
Speaker 3: So believe it or not, VICKI d I spent less
Speaker 3: than twenty dollars on this whole outfit. So the actual
Speaker 3: stuff that was in my hair was spray paint?
Speaker 1: What was so sorry? Hair spray? Do you know what?
Speaker 1: I wouldn't be surprised if you said I put actual
Speaker 1: spray paint in my hair, I'd be like, of course
Speaker 1: she did.
Speaker 3: It's back, that's very nice. I wasn't opposed to the idea,
Speaker 3: it's just that this was cheaper. So I love two
Speaker 3: dollar shops. I really think that you can might anything
Speaker 3: at a two dollar shop. Yeah, and I don't know
Speaker 3: if I'm missing something here, but they're so cheap, like
Speaker 3: days So for example, I don't if I'm pronouncing that right,
Speaker 3: dizo dizo. It is so cheap, and I just can't
Speaker 3: imagine why you would spend more anywhere else.
Speaker 1: Like it's like when people buy a bag of oats,
Speaker 1: why buying the brand name O? Yes, exactly, I just
Speaker 1: don't get it. I don't think I'll ever get that.
Speaker 1: I don't care how much money I have. One day,
Speaker 1: I hope to be worth millions. Ye's not gonna happen,
Speaker 1: but one day, yeah, I'll still buy home brand notes. Like,
Speaker 1: I just can't justify it totally. I mean, bring money
Speaker 1: down the drain. What do you mean You're buying brand
Speaker 1: name flour and sugar? Is it not the same thing? Totally?
Speaker 3: What I do understand that there are some things that
Speaker 3: are more ethically sourced and stuff like that.
Speaker 1: So that's not the conversation we're having here today. I
Speaker 1: think that there's definitely a conversation to have about ethics, sure,
Speaker 1: but I think we also need to overlay the fact
Speaker 1: that sometimes ethics are not feasible to one thousand percent
Speaker 1: take into consideration. Sometimes we're doing the best that we
Speaker 1: possibly can. Yeah, totally mean, like I feel like a
Speaker 1: lot of people, and we've done episodes on ethical investing,
Speaker 1: We've done episodes on you know, fast fashion and our
Speaker 1: thoughts on them, and I think, you know, it's a
Speaker 1: privilege and I'm not someone who buys fast fashion because
Speaker 1: I have the absolute privilege of being able to make
Speaker 1: that decision. Totally.
Speaker 3: No, I completely agree, that's not the conversation we're having today,
Speaker 3: But I just wanted to let people know that.
Speaker 1: I think it's important to point out too, in case
Speaker 1: people come and say, you know.
Speaker 3: Oh, truly we can't know, which I completely understand the
Speaker 3: side of and I completely do try and do that,
Speaker 3: but yes, we are talking about sometimes it not being feasible.
Speaker 1: And what I'm saying is this hairspray that I bought
Speaker 1: was like.
Speaker 3: Three dollars money win, and the little bum bag that
Speaker 3: you might have seen that was hot, Yeah, very cheap.
Speaker 1: I think it was like ten dollars or so. Having
Speaker 1: their snacks kids, there was a vape in there was.
Speaker 3: Three vapes in there, and chewing gum just in case
Speaker 3: you never know when you're gonna get a little smooch,
Speaker 3: and I didn't get one, so that could have been thrown.
Speaker 1: Not a single one. I'm surprised. You looked hot as hell.
Speaker 1: Thank you, that's so nice. Maybe it was because you
Speaker 1: had three vapes. People were like red flag. Maybe that's true.
Speaker 1: I opened it up to get the gum out forest mood. Yeah, yeah,
Speaker 1: that was the vapes.
Speaker 3: No illegal, I think they are, but they're getting there anyway.
Speaker 3: That's I would say, probably the best course of action. Also,
Speaker 3: like I wanted to get a scarf to look more
Speaker 3: like ken four dollars money win.
Speaker 1: I didn't actually buy it, but I thought about it,
Speaker 1: and I was like four bucks. You didn't buy it
Speaker 1: like five finger discount, or you just didn't wear us.
Speaker 1: Oh no, I mean I didn't wear a scarf. I
Speaker 1: should say, I should say here, I am being like
Speaker 1: you said, four dollars money in for this scaff but
Speaker 1: I didn't buy it. It sounded a lot like you
Speaker 1: stole it.
Speaker 3: Ba See I just put it on walked straight out
Speaker 3: of that at all.
Speaker 1: It all.
Speaker 3: What I'm saying is go to two dollars shops. You
Speaker 3: might be surprised by what you'll find in there. That's
Speaker 3: not that bad of quality, you know.
Speaker 1: I agree. The reject shop is also another good one.
Speaker 1: I love reject shop. I love the reject shop. There's
Speaker 1: one in the suburb that I live in, and they're great,
Speaker 1: like I've walked around so many times. Also, the food
Speaker 1: section in the reject shop changes all the time, so
Speaker 1: you can't get consistency out of them, but they are
Speaker 1: definitely cheap, so definitely check out that. I feel like
Speaker 1: there's so many ideas, but at the end of the day,
Speaker 1: I feel like cost of living care we're embracing. We
Speaker 1: think it's very sexy, but there are a few things
Speaker 1: that we can do to get ourselves I guess more
Speaker 1: on track. So I know it's not sexy back, but
Speaker 1: I'm going to recommend we do our budget. I'm going
Speaker 1: to sit down with you and do a budget really soon,
Speaker 1: thank you, and we're going to talk through what it
Speaker 1: looks like, how it works, how to budgets so that
Speaker 1: you don't feel like you're being restricted. So you need
Speaker 1: to look at your budget and cash flow because that's
Speaker 1: just a tool to tell you what's coming in and
Speaker 1: then what's going out, as opposed to saying, oh, Beck,
Speaker 1: you now need to reduce how much to spending on grocery.
Speaker 1: It's like no, no, no. If you're comfy with it,
Speaker 1: let's be comfy with it. Let's just understand how you're
Speaker 1: putting those dollars to work, because you might be surprised
Speaker 1: to find that vapes are really expensive and maybe you
Speaker 1: didn't need three, you know, So I think you end
Speaker 1: up being quite confronted with your own costs and you
Speaker 1: might go far out. I didn't realize that I'm spending
Speaker 1: that much on a barbie party. Not willing to do
Speaker 1: my budget this month, So sit down, do your budget.
Speaker 1: Something else if you're really struggling is our friends at
Speaker 1: the National Debt Helpline. They have free financial counseling services.
Speaker 1: So I think that if you need a bit more
Speaker 1: emotional support, or even just to chat one on one
Speaker 1: with somebody, because unfortunately that she's on the money community.
Speaker 1: Like we've got this podcast and we try as hard
Speaker 1: as possible, but like we can't give you personal advice,
Speaker 1: So if you're in a little bit of a pickle,
Speaker 1: maybe give them a buzz and have a chat because
Speaker 1: they are some of the most delightful people in the
Speaker 1: entire world. And as always, we will put the link
Speaker 1: to them in the show notes so that you can
Speaker 1: find some more information, do a comparison, go through your bills,
Speaker 1: so like, this is something that I haven't done in
Speaker 1: a really long time. And I was actually talking to Josh,
Speaker 1: who's on reception at AARN and I love him, Like
Speaker 1: I'm calling it now, He's going to be talent one
Speaker 1: day and you're going to see him and I'm going
Speaker 1: to be like, I knew him before he was famous. Agree,
Speaker 1: It's like you right, I knew her before she was famous. Oh.
Speaker 1: But he and I were talking about our phone bills
Speaker 1: because I feel like I just walk around to the
Speaker 1: AARN office talking about money stuff. I'm like, oh, you're
Speaker 1: no money saving tip, I got one for you. Anyway,
Speaker 1: we're both comparing our phone bills and he was with
Speaker 1: a Masim. I'm now switching to a Masim because it
Speaker 1: was such a good deal for the amount of data
Speaker 1: he was getting for the cost he was paying. I
Speaker 1: was like, I'm not getting up. I'm paying like double
Speaker 1: what the heck in And then I was like, but
Speaker 1: is there an issue with coverage? He's like absolutely not,
Speaker 1: like things have come around wow, And I was like, okay,
Speaker 1: well I'm all in So anyway, I think we should
Speaker 1: always go through our budgets and question things. So even
Speaker 1: if you're like, no, no, no. I went through and I
Speaker 1: checked my energy a couple of years ago and I
Speaker 1: picked the right one. Have you double checked it? Have
Speaker 1: you made sure that's the best option, Because loyalty tax,
Speaker 1: which we've done a whole episode on, is real and
Speaker 1: they might just be adding it up. Maybe you haven't
Speaker 1: seen a new sign on offer that would save you
Speaker 1: a whole heap of dosh. And I think that that's
Speaker 1: a really important thing to do. So check everything out
Speaker 1: and make sure that you are getting the best possible deal.
Speaker 1: Because even if you were getting the best deal, which
Speaker 1: to be honest, back with my other mobile coming, I
Speaker 1: thought I was. Turns out now things have changed, so
Speaker 1: definitely be on it and kind of keep your finger
Speaker 1: on the poles. That's a great idea. You have spoken
Speaker 1: historically about food banks. Yes, I think great, how do
Speaker 1: we find information about that? Like, tell me a bit
Speaker 1: more about that, because I feel like, right now, yeah,
Speaker 1: that's the thing that we should be sharing.
Speaker 3: I think that depending on where you live, you might
Speaker 3: have what is called like a good calm and at
Speaker 3: work or like something that's on Facebook that kind of
Speaker 3: like binds your community together and you might be able
Speaker 3: to look for food pains, trees, or just keep up
Speaker 3: to date with what's going on around your area. But
Speaker 3: if you google it or even like, I don't know
Speaker 3: if you've heard of lentils as anything. I don't know
Speaker 3: if they're still a thing.
Speaker 1: They're not, but we can talk about them. Can we
Speaker 1: still about them? They were so cool. That was so
Speaker 1: great pay what you can afford. I loved that idea.
Speaker 1: So for those of you who aren't in Melbourne, it
Speaker 1: was a restaurant where you could go and eat a
Speaker 1: meal and pay what you could afford, and if you
Speaker 1: couldn't afford anything, well you didn't pay anything totally.
Speaker 3: And the way I think that they kind of had
Speaker 3: that running was the people inside the kitchen with volunteers,
Speaker 3: I believe, so wholesome.
Speaker 1: It was just perfect.
Speaker 3: If you couldn't pay anything, then you would commit to
Speaker 3: like volunteering for a couple of hours or something. So
Speaker 3: it was just perfect. But anyway, that is very very
Speaker 3: sad to hear. I would say, just google what's near you.
Speaker 3: I know what's around Brunswick because they live there. But
Speaker 3: I do want to say our producer is just let
Speaker 3: us know that there is this place you can go
Speaker 3: it's called ask izzy, a free online directory for support
Speaker 3: services around Australia run by tech not for profit info Exchange.
Speaker 3: So ask izzy basically provides the public with information tax
Speaker 3: for services relevant to their needs and in their area.
Speaker 1: So everything that's really wholesome. Thank you for sharing that.
Speaker 3: Everything from housing assistance and legal representation to public toilets.
Speaker 1: Oh, everything, everything, everything, all the way till the bathroom
Speaker 1: sink exactly. Bathroom sink that you can use. That's great,
Speaker 1: Thank you producer. Oh, I'm glad that she gave us that.
Speaker 1: But ask Ezzi is a really cool resource. I've seen
Speaker 1: it floating around. Also something else before we go, libraries, Oh,
Speaker 1: free resources. I think the libraries are one of the
Speaker 1: last places you can go to hang out in public
Speaker 1: that don't expect you to have some kind of financial exchange. True,
Speaker 1: Like you can turn up with a bottle of water
Speaker 1: and read a book for a few hours and no
Speaker 1: one's going to ask you to buy a coffee or
Speaker 1: like you know, put money anywhere. And I think that
Speaker 1: that's really wholesome. I love that. All right. Well, I
Speaker 1: am not done talking about the cost of living core,
Speaker 1: but I feel like we've run out of time unfortunately,
Speaker 1: so let's continue this conversation online. Guys, please post in
Speaker 1: our community all of your tips and tricks. Slide into
Speaker 1: our DMS. Slide into Beck's DMS with your cost of
Speaker 1: care living tips because each week on our Friday episode,
Speaker 1: Beck does the broke tip, and I feel like she's
Speaker 1: starting to run out of ideas. And when I say
Speaker 1: run out of ideas, she forgets what she's talked about
Speaker 1: and what she hasn't So please go and give Beck
Speaker 1: your tips and us your tips, because we want to
Speaker 1: be able to share them. And I think that there's
Speaker 1: something really sexy about taking our power back and actually
Speaker 1: becoming financially confident, even when we might not have as
Speaker 1: much money as we would like to have. Love that
Speaker 1: all right, Well, we'll see you guys on Friday. Have
Speaker 1: the best week. We love you so much. Bye, guys.
Speaker 1: The advice shared on She's on the Money is general
Speaker 1: in nature and does not consider your individual circumstances. She's
Speaker 1: on the Money exists purely for educational purposes and should
Speaker 1: not be relied upon to make an investment or financial decision.
Speaker 1: If you do choose to buy a financial product, read
Speaker 1: the PDS, TMD and obtain appropriate financial advice tailored towards
Speaker 1: your needs. Victoria Divine and She's on the Money are
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