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

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

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

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Speaker 2: our Friday Drinks episodes where we celebrate the money wins

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Speaker 2: and confessions from our Shees on the Money community, because

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Speaker 2: there are always so many great money wins and confessions

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Speaker 2: that are shared every single week in our Facebook group,

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Speaker 2: and the team and I, even though we are in

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Speaker 2: lockdown from home, spend a very big part of our

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Speaker 2: days and weeks talking about the things that you guys

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Speaker 2: share in our group slack chat, not the office because

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Speaker 2: we're not there. But this episode is all about celebrating

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Speaker 2: you guys and the successes that you have and having

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Speaker 2: more positive and constructive conversations around money. So let's jump

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Speaker 2: straight into it, Tony, what happened in it this week's

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Speaker 2: Money Diary.

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Speaker 1: So this week's Money Diary, we took to a lovely

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Speaker 1: young lady who has had a pretty rough goal of it.

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Speaker 1: She had pretty rough upbringing. Her mum introduced her to

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Speaker 1: credit and credit cards quite early in her life, and

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Speaker 1: now is actually has come through all of that and

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Speaker 1: is now killing it. And she said, oh, I'm a

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Speaker 1: waitress and I do all this stuff and we're like, oh, okay,

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Speaker 1: where do you work? And then she rattled off the

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Speaker 1: cost per hour for her to work topless or in

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Speaker 1: a bathing suit, and we realized that she's actually a

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Speaker 1: stripper and she totally owns it. She fully backs her career.

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Speaker 1: It was well, we loved it.

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Speaker 2: We just didn't see it coming here. I am thinking

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Speaker 2: she's going to be like, yeah, so I work at

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Speaker 2: La Palketta and I was like, that is not La Porketta, And.

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Speaker 1: She didn't mention it in her email at all. So

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Speaker 1: it was really really cool to get a perspective from

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Speaker 1: a job that people don't talk about a lot, and

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Speaker 1: I mean definitely has a stigma attached to if you

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Speaker 1: do that job, it's because of desperation, it's not a choice.

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Speaker 1: But Diis this week actually expressed over and over that

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Speaker 1: she actually loves what she does and she makes bank

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Speaker 1: while she's doing it as well.

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Speaker 2: But also she was so smart and so delightful and

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Speaker 2: just one of those people that Tony and I walked

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Speaker 2: away from that interview being like, oh my god, I

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Speaker 2: want to be her friend. She was so nice. But

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Speaker 2: I think it's important to really just point out that,

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Speaker 2: you know, these roles exist, and there are lots of

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Speaker 2: women in now She's on the money community, lots of

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Speaker 2: people actually in the community that have roles in the

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Speaker 2: sex work industry. And I even have lots of clients

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Speaker 2: that work in the sex work industry. And they are

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Speaker 2: genuinely some of the nicest people you will ever meet,

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Speaker 2: because I think they've always been faced with such adversity

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Speaker 2: and so many stereotypes that they are the last people

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Speaker 2: to ever judge you. They like so wholesome, and I

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Speaker 2: literally love them for that because I just feel like

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Speaker 2: they're the type of people that you just want to

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Speaker 2: be good friends with and feel like you could tell

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Speaker 2: anything to.

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Speaker 3: And VI some of the stories that you have about

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Speaker 3: clients and how successful they are, it's so easy for

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Speaker 3: us to go, oh, you know, what are they doing,

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Speaker 3: and then you're like, well, I'll tell you what they're

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Speaker 3: doing very well for themselves.

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Speaker 2: Yeah, exactly, And I love it.

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Speaker 1: I think as well. It's just about opening up the

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Speaker 1: conversations around those jobs that people don't really know enough

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Speaker 1: about and just have this you know, disillusioned idea from assumptions.

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Speaker 1: What yeah, assumptions Watching TV and our money diarists actually said,

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Speaker 1: you know, when I tell people what I do, they

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Speaker 1: just assume I'm a drug addict. But I'm not that person.

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Speaker 1: And I really hope that people listened to that and

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Speaker 1: that that changed maybe an idea that they had in

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Speaker 1: their head around someone that works in sex work or

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Speaker 1: stripping or exotic dancing, because it's so much more than

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Speaker 1: what it seems.

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Speaker 2: Yeah, exactly. And we were talking about it offline after

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Speaker 2: with our money Diris and I likened it to the

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Speaker 2: financial services industry and that yeah, there are some pretty

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Speaker 2: bad stereotypes about our industry, and you're right, there are

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Speaker 2: some really bad eggs, but not everybody in the industry

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Speaker 2: is a bad egg and it's really mean to then

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Speaker 2: stereotype them based on that experience or that assumption, which

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Speaker 2: is not true. So yeah, we'll move away from here.

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Speaker 2: We're really passionate about it, but it summarized this sex

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Speaker 2: work is real work, and we respect it to the

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Speaker 2: end of the earth.

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Speaker 4: And so the this week's deep dive, how we go?

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Speaker 2: So this week's deep dive was a good one. We

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Speaker 2: have tackled the topic before, but you can never tackle

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Speaker 2: navigating finances as a couple enough times because there is

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Speaker 2: no one size fits all approach. So talking about it

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Speaker 2: this week was just really interesting because there's always different

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Speaker 2: perspectives on how you should manage money with your partner.

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Speaker 2: And I think that the outcome of that was there

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Speaker 2: isn't actually a right or a role. I spoke about

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Speaker 2: how I manage money with my partner and how Georgia

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Speaker 2: might not manage money in the same way. And usually

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Speaker 2: with us Georgia, you know what happened on the deep Dive,

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Speaker 2: but this week five people on a zoom would have

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Speaker 2: just been far, far too much. So Tony and Ryan,

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Speaker 2: well done. You made the cut.

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Speaker 3: The is it fair to say when you say there's

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Speaker 3: no right or wrong answer, would your answer also change

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Speaker 3: over time, Like as your relationship changes, you would have

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Speaker 3: to update how you do it. So it's not even

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Speaker 3: finding the right one for you, but more finding the

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Speaker 3: right one for you now and then reconsidering every twelve

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Speaker 3: eighteen months or so.

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Speaker 2: Yeah, absolutely everything changes, right, And I think that that's

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Speaker 2: a really important point that you bring up, because you know,

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Speaker 2: I use myself as an example here, but you know,

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Speaker 2: Steve and I never shared finances until we had a

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Speaker 2: mortgage and now we have a mortgage that was kind

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Speaker 2: of a catalyst for us to change that and make

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Speaker 2: a decision based on what was going on there. So

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Speaker 2: you know, it might be a trigger, like having kids

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Speaker 2: or changing something. But in saying that doesn't mean you

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Speaker 2: need shared finances. You just might find it easy. You

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Speaker 2: might love doing that, and that's okay. But I think

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Speaker 2: there's nothing wrong with never sharing your finances with your

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Speaker 2: partner as long as you're open and honest about what

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Speaker 2: is in your bank accounts and you're not actually hiding

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Speaker 2: anything or hiding debt or your spending habits from them,

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Speaker 2: because that's then completely negative.

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Speaker 4: Yeah.

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Speaker 3: Well, there's a couple of hundred comments on the post

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Speaker 3: in the Facebook group that you posted v and it

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Speaker 3: feels like there's a couple of hundred different ways to

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Speaker 3: go about it that all work well for them. So

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Speaker 3: that's actually interesting reading through going oh that this works

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Speaker 3: well for us, it's completely different for you guys. Oh,

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Speaker 3: we do the complete opposite, and we're found this works

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Speaker 3: well for us because of this situation and whatever. So

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Speaker 3: just reading through that thread and seeing all the different

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Speaker 3: ways you can get still a really great result was

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Speaker 3: actually fascinating to see all the different ones in it.

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Speaker 2: Yeah, But what I learned from all of that, and

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Speaker 2: I guess the best summary of that is is the

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Speaker 2: key to navigating couples finances is actually communication and talking

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Speaker 2: to your partner about how you feel and talking to

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Speaker 2: your partner about what you want to do versus what

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Speaker 2: they want to do, and deeply understanding why they make

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Speaker 2: decisions around money and how they do that. And I

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Speaker 2: think that that's where we should all start. Not oh hey,

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Speaker 2: I read in the Facebook group that someone does it

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Speaker 2: this way and they say it works, and because we're

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Speaker 2: the same age, we should do that. Like, that's absolutely

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Speaker 2: not the case. Talk to your partner, what are they

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Speaker 2: comfortable with? What are you comfortable with? It's actually nobody

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Speaker 2: else's business how you manage money with your partner.

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Speaker 1: I'm asking Ryan.

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Speaker 2: All right, Ryan, I think it is time to get

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Speaker 2: into your Ryan's community money wins.

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Speaker 3: Yeah, there's a slight twist on the money wins this week.

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Speaker 1: No no twist, no twist.

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Speaker 3: Jasmine posted in the group what are your best savings hacks?

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Speaker 3: Which I guess a good saving hack is a money win?

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Speaker 4: Still right? That still count?

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Speaker 2: Right? That might be better? So you get your favorite from

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Speaker 2: that thread instead this week.

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Speaker 3: Yeah, I have, and there's a little side game to

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Speaker 3: play as we go through.

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Speaker 4: I want to know if.

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Speaker 3: I want to know if any of us feel attacked

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Speaker 3: with any of the specific hacks, and you'll know what

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Speaker 3: I mean when we get to them, all right. Number one,

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Speaker 3: this is from NOMSA. She says, just because something is

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Speaker 3: on special doesn't mean you are saving.

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Speaker 2: Yeah. Man, that's a I definitely agree with that one.

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Speaker 2: It's a way that I convince myself I need things

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Speaker 2: so I feel attacked. You're not not that attack though.

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Speaker 1: I definitely do that because I go like, oh my god,

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Speaker 1: this thing that's normally two thousand dollars is fifteen hundred dollars.

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Speaker 1: And my boyfriend Torbs goes, yeah, but do you want

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Speaker 1: to spend fifteen hundred dollars anyway? I'm like, you're so smart. No,

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Speaker 1: I don't real.

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Speaker 2: Sure him finances a genius.

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Speaker 4: Jessica says.

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Speaker 3: My savings hack is the never step foot inside a

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Speaker 3: kmart and they got.

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Speaker 4: A lot of fun.

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Speaker 2: That's a very good but good hack.

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Speaker 1: I've actually recently started, and I don't know if this

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Speaker 1: is a good or bad thing, but I've had to

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Speaker 1: start muting an unfollowing brand Instagram pages that I really

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Speaker 1: like because whenever they post, I really like their aesthetic

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Speaker 1: and their vibe and things like that. And I just

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Speaker 1: find that I buy so much stuff and I can't

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Speaker 1: even blame it on sponsored advertising because I'm putting it

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Speaker 1: into my own feed. So I'm like, Okay, I've got

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Speaker 1: to take it out. I'm doing this to myself. I'm

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Speaker 1: zucking myself because I'm literally and putting it into my

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Speaker 1: own eyelines. So I've had to out I'm following and

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Speaker 1: meeting all these accounts. That's my hack.

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Speaker 2: Oh good hack, Tony.

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Speaker 4: Maddie's hack, and this is straight at me.

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Speaker 3: Eat the food you have in your own house before

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Speaker 3: you go and buy takeaway food.

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Speaker 2: Okay, Maddie. Nobody asks that specific tip, but my uber

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Speaker 2: eats orders. Especially over the last week, I would say

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Speaker 2: that I don't have food at home, when that is

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Speaker 2: not true.

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Speaker 1: Yeah, aren't you having provodor tonight for dinner?

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Speaker 2: I am actually having provodor for dinner tonight. I felt like,

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Speaker 2: for a little bit of context, our whole She's on

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Speaker 2: the Money team is based in Melbourne and all of

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Speaker 2: us are in lockdown right now, and this week's been

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Speaker 2: a bit challenging for me, and so yesterday I decided

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Speaker 2: that I would order a fancy dinner on provod Or

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Speaker 2: for my partner and I And after this recording, guys,

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Speaker 2: we are having date night yourself. It's just I guess

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Speaker 2: it doesn't even matter that we're having provod Or for

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Speaker 2: dinner like that is quite fan. I think it's like

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Speaker 2: one hundred dollars And I guess that's my money confession

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Speaker 2: this week. Just jumping ahead for a second, but I

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Speaker 2: think it is actually really important while we're in lockdown

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Speaker 2: to just you know, appreciate food and use that as

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Speaker 2: kind of an event. And if you've got a partner

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Speaker 2: and you're at home or you've got some housemates, instead

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Speaker 2: of just eating dinner, like go and sit at the

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Speaker 2: table and have a conversation and get a deck of

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Speaker 2: cards out or get a board game out and kind

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Speaker 2: of make an evening of it, because you know, lockdown

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Speaker 2: is really hard on us and you might not feel

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Speaker 2: like doing it, but I guarantee you'll feel a lot

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Speaker 2: better having done something instead of just another night eating

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Speaker 2: dinner in front of the TV on the couch. And

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Speaker 2: I just think that, you know, regardless of what you're eating,

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Speaker 2: even if you're having like honey sandwiches for dinner, Like

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Speaker 2: just get up and eat it somewhere different in your

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Speaker 2: house and just kind of make it, make a vibe

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Speaker 2: of it.

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Speaker 1: That's a really good idea.

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Speaker 3: Speaking of feeling attacked, Victoria saying to eat dinner at

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Speaker 3: the actual table is one of the most aggressive things.

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Speaker 4: I've ever hed.

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Speaker 1: I know. That's like your mum yelling at you to

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Speaker 1: clean your room because dinner is ready, Like like we're

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Speaker 1: coming out and you were eating dinner as a family, Like.

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Speaker 4: Yeah, I'll do it.

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Speaker 2: Your mum always called you out for dinner before it

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Speaker 2: was actually ready. She's like me out of the room

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Speaker 2: and be like hey, Victoria, dinner's ready, and you'd like

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Speaker 2: run down thinking dinner was ready in the actual faction

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Speaker 2: wanted you to set the table. Yeah.

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Speaker 4: Maybe that was just you, Victoria, because you knew you're

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Speaker 4: always late.

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Speaker 1: Oh today I'm attacking Victoria. Wow.

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Speaker 3: Yeah, okay, So let's put it on an attack some

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Speaker 3: other people instead. Hey, Barbara said, this is actually really impressive.

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Speaker 3: Barbara said, my goal in twenty twenty one was to

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Speaker 3: not buy work lunches, and so far five months in,

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Speaker 3: I haven't bought a single lunch. I've food prepped, and

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Speaker 3: I've planned a head and I've had leftovers from last

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Speaker 3: night's dinner. Not a single lunch this year, Barbara. What

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Speaker 3: a savingsack that is?

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Speaker 2: Barbara's Oh, I see you. But do you know what?

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Speaker 2: You know how we were attacking people on this episode?

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Speaker 2: Hey Ryan, remember how you said you weren't going to

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Speaker 2: buy a takeaway coffee?

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Speaker 3: So coming up next, we've got a money Actually you

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Speaker 3: can see me on the screen. Now what am I holding?

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Speaker 2: Yeah?

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Speaker 1: I take a coffee.

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Speaker 4: Coffee yep, yep, guilty.

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Speaker 1: Investing your five dollars a day or whatever I am.

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Speaker 3: It goes into spaceship steel. So it's well done, thank you,

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Speaker 3: I'll take I agree.

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Speaker 1: So you're buying a coffee and saving the money.

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Speaker 4: Gosh, doing pretty good.

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Speaker 3: Moira says. Every few months, I go with my mum.

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Speaker 3: It's a costco and that has saved us a fortune

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Speaker 3: since we've started doing it. It's we put it in

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Speaker 3: the calendar, so it's like yep, once we go, yep,

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Speaker 3: in five weeks we'll go again. On a Sunday, we

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Speaker 3: get one of those big trolleys and she gets like

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Speaker 3: big chickens for the family, and big because it's Costco.

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Speaker 3: Is all kind of bulk by, right, And she said

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Speaker 3: the amount of money we've saved is awesome. But she

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Speaker 3: said it's also even though it's a big day, the

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Speaker 3: one day we do it, then it's done for the month.

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Speaker 3: It's all in the freezer, good to go. We've saved

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Speaker 3: a heap of time and a heap of money.

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Speaker 1: I've got a question. Earlier, we said, should we just

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Speaker 1: buy things because they're cheap? No, that's what I would do.

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Speaker 1: If I went to Costco. I don't need a coffin,

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Speaker 1: but they sell them there, so I would buy one.

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Speaker 1: Like I'd be like, oh, I just in case, Like

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Speaker 1: I just if I went to Costco, I'm gonna buy

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Speaker 1: a hundred of those dollar hot dogs out the front.

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Speaker 1: And I don't need those hot dogs.

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Speaker 2: I am that person, Tony. Last time I went, I

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Speaker 2: ended up buying a one kilo tub of peanut butter

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Speaker 2: filled pretzels. Like I didn't need that, but I saw

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Speaker 2: it and I needed it.

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Speaker 1: And you're like, wow, it's such good value. It'd be

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Speaker 1: rude not to And then you end up with a

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Speaker 1: kilo's worth of pretzels, a coffin, and ten dog kennels.

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Speaker 4: I don't need all money not to buy it.

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Speaker 1: I also have.

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Speaker 2: Really good socks, so I always buy the socks, but

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Speaker 2: I don't need those.

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Speaker 1: I've saved so much money. I've basically made money. And

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Speaker 1: that's just not how.

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Speaker 2: It isn't how it works. But I think that maybe

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Speaker 2: costco is for people who have a little more self

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Speaker 2: restraint than we do. Totally.

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Speaker 3: The final savings hack is from Carmela, who, like a

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Speaker 3: lot of us, lockdown is helping her save and she said,

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Speaker 3: because now I don't get white girl wasted every single

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Speaker 3: weekend and waste money on designer shies that I like

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Speaker 3: to wear to the clubs. So the drinks and the

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Speaker 3: clothes is saving me a fortune.

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Speaker 2: Well, I'm very proud.

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Speaker 1: Yeah, that's a great hack that.

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Speaker 2: Required a lot of saving, but also arguably a lot

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Speaker 2: of self reflections. All right, now we are back, But

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Speaker 2: before we get into money wins and confessions, Tony, there

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Speaker 2: was a very interesting post in our Facebook group recently

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Speaker 2: about no spend May. What was going on with that?

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Speaker 1: So someone in our community posted about the idea of

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Speaker 1: doing a no spend May. And before you say Oh

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Speaker 1: my god, So how are you going to live and

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Speaker 1: pay rent and eat and all those things. I'm pretty

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Speaker 1: sure that what it boiled down to is that your

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Speaker 1: bills and your rent and your utilities and all of

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Speaker 1: those things can be paid for, but no auxiliary spending

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Speaker 1: like buying your lunch for at work, like by hid.

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Speaker 2: That's an interesting way of putting it. Oh, I don't

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Speaker 2: think I've never term it. Sounds fancy. Let's continue using that, yeh?

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Speaker 1: Should we say that? Should that be the buzz word.

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Speaker 2: Of the day? Well, Hillary spending this week, Tony.

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Speaker 3: I think that should be the title of the episode,

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Speaker 3: purely because I'd click on it to be like, what

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Speaker 3: the hell is that?

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Speaker 2: Well?

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Speaker 1: Hang on? Should I google it and make sure it

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Speaker 1: actually means what I think it means?

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Speaker 2: Not, because it's actually better if you're wrong, Okay, great.

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Speaker 1: Well that's fine, we'll leave it. We'll leave it in basically, yeah,

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Speaker 1: so it doesn't include any of your bills or anything.

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Speaker 1: It's just everything else, like not going out and buying coffee,

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Speaker 1: not buying clothes or makeup or sports equipment that you

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Speaker 1: don't need or whatever. And I looked at it, and

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Speaker 1: I thought that would be easy right, because you're like, oh,

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Speaker 1: I could not buy clothes for a month, it's not so.

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Speaker 1: As we're recording this May's just finished. Halfway through May,

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Speaker 1: one of the girls that was participating in No Spend

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Speaker 1: May inside of our group. So a few hundred people

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Speaker 1: ended up joining our original poster and taking on this

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Speaker 1: No Spend May halfway through the so cool?

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Speaker 2: How awesome is that that they all get together and

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Speaker 2: have their little challenges And it makes me feel bad

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Speaker 2: because I'm like, oh, maybe we should have done something

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Speaker 2: for that. And if you guys have any ideas on

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Speaker 2: what challenges that she's on the Money team could put

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Speaker 2: together for you or things you want created, like we

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Speaker 2: are all is sliding too our dms with your ideas

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Speaker 2: because Tony and I want to do more interesting stuff.

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Speaker 1: Well, I reckon we could maybe get an idea out

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Speaker 1: of this. But so halfway through, on the fifteenth of May,

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Speaker 1: Bridget posted how is it going with their No Spend May?

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Speaker 1: And so she was halfway through and I can't believe this.

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Speaker 1: So inside up bank, it categorizes your spending into good life,

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Speaker 1: which is your auxiliary spending, and house which is rant,

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Speaker 1: and then it comes down to bills which is like

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Speaker 1: all your utilities and stuff. It breaks everything down into

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Speaker 1: four categories. Her good life spending the month before was

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Speaker 1: one eight hundred and thirty six dollars, which includes like

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Speaker 1: dinners out and going out for drinks and all of

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Speaker 1: those things. Halfway through May in her no spend May

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Speaker 1: in her good life account one hundred and six dollars.

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Speaker 2: WHOA isn't that like seventeen hundred dollars in advance and

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Speaker 2: that potentially does that mean she's saving that much?

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Speaker 1: Well, I hope, so, I hope it means that she's

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Speaker 1: put that money away.

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Speaker 2: Seventeen hundred dollars in a month. That's so long.

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Speaker 1: I mean, it's not sustainable every month because we have

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Speaker 1: to because you know, we have to enjoy ourselves and

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Speaker 1: treat ourselves. And it's like, if you're on a really

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Speaker 1: restrictive diet, you like really want an ice cream, you

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Speaker 1: can't not eat ice cream forever because why would you.

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Speaker 2: You end up binging. So like, if you stick to

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Speaker 2: something like this for the long term, you'll end up

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Speaker 2: blowing out and having like a massive blowout of spending

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Speaker 2: and it's just not fun or nice. But I think

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Speaker 2: these challenges where it's short term and you're just achieving

387
00:18:28,359 --> 00:18:30,800
Speaker 2: a short term goal that makes you feel really good,

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Speaker 2: Like why can't we do that every couple of months

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Speaker 2: and go, you know what this month and being really

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Speaker 2: restrictive because I'm going to make.

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Speaker 1: Bank yeah, or you know that's like a really good

392
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Speaker 1: bit of little cash for if you're saving for something,

393
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Speaker 1: or so you really really want to buy a Gucci handbag,

394
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Speaker 1: you're like, oh my god, I want to say for that,

395
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Speaker 1: so I'm not going to go out to eat all months,

396
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Speaker 1: like pretty amazing. Catherine said, I adopted a puppy, so

397
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Speaker 1: not going very well, with lots of photos of a

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Speaker 1: miniature Dushions, which is quite cute. So cute. And Amelia

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Speaker 1: posted a screenshot of her bank account as well and

400
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Speaker 1: said not great, but better than last month. Her cash

401
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Speaker 1: out for the whole of April was five ninety six

402
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Speaker 1: dollars and her cash out for the first half of

403
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Speaker 1: May was one thousand, six hundred and ninety four dollars.

404
00:19:23,320 --> 00:19:25,080
Speaker 4: That's so huge, Yeah.

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Speaker 2: So pretty esot, but like those are big numbers, Like

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Speaker 2: I thought you were going to have example of people

407
00:19:30,920 --> 00:19:33,200
Speaker 2: being like yep, she spent like, you know, six hundred

408
00:19:33,240 --> 00:19:36,280
Speaker 2: dollars on going out and you know, discretionary spending and

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Speaker 2: then she spent fifty Like those are massive. Thank you

410
00:19:39,600 --> 00:19:42,360
Speaker 2: so much to our community for sharing stuff like that too,

411
00:19:42,440 --> 00:19:44,760
Speaker 2: because you know, it's special that they're going to share

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Speaker 2: literal numbers with our community about what they're spending and

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Speaker 2: what they're saving. But how motivating is it when people

414
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Speaker 2: aren't just like, yeah, I'm doing well on my challenge,

415
00:19:53,640 --> 00:19:55,760
Speaker 2: but they're actually like, check out this screenshot of how

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00:19:55,840 --> 00:19:58,000
Speaker 2: much I've saved. You're like, oh my god, that's amazing.

417
00:19:58,080 --> 00:19:59,760
Speaker 2: I'm going to try and do the same thing. Like

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00:20:00,160 --> 00:20:03,359
Speaker 2: it's the numbers that really make it tangible and really.

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Speaker 4: Motivating, and you're like, oh, here we go. I'm so

420
00:20:07,440 --> 00:20:08,760
Speaker 4: pumped for this. Yeah. Absolutely.

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Speaker 1: It's kind of the retrospective like opposite of sitting down

422
00:20:12,280 --> 00:20:14,720
Speaker 1: with your with a highlighter looking at your bank accounts

423
00:20:14,720 --> 00:20:16,880
Speaker 1: like you say to DOOV. It's kind of like, oh,

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Speaker 1: I didn't spend that money. It's actually in my account

425
00:20:19,200 --> 00:20:21,160
Speaker 1: and I can see it and it makes you feel

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Speaker 1: really good. And there was heaps of people commenting saying

427
00:20:25,280 --> 00:20:28,159
Speaker 1: that they'd saved money or it wasn't going really well,

428
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Speaker 1: but they made a bit of a difference. And that's

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Speaker 1: all that.

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Speaker 2: You know.

431
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Speaker 1: These things are just like little challenges that you can do.

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Speaker 1: But I think it would be really fun if we

433
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Speaker 1: could do one like and everybody could join in.

434
00:20:39,080 --> 00:20:42,520
Speaker 2: Yeah, I think so too. So if anybody's got any ideas,

435
00:20:42,720 --> 00:20:45,960
Speaker 2: please tag us or slide into our DNS and let

436
00:20:46,040 --> 00:20:46,399
Speaker 2: us know.

437
00:20:46,720 --> 00:20:47,720
Speaker 4: I think I've got an idea.

438
00:20:48,600 --> 00:20:49,120
Speaker 2: What is it.

439
00:20:49,600 --> 00:20:52,359
Speaker 3: Let's do no save September where we all just blow

440
00:20:52,440 --> 00:20:53,240
Speaker 3: all of our account.

441
00:20:53,480 --> 00:20:58,080
Speaker 2: No, we'll no do that because two years ago in

442
00:20:58,320 --> 00:21:04,080
Speaker 2: the read this one, you've completely misread this. I don't

443
00:21:04,080 --> 00:21:06,600
Speaker 2: think you've met the brief. Go back to the drawing board.

444
00:21:07,160 --> 00:21:09,639
Speaker 2: In twenty nineteen, I actually did a challenge with the

445
00:21:09,640 --> 00:21:12,520
Speaker 2: community when you guys definitely weren't nearly as big. But

446
00:21:12,600 --> 00:21:15,400
Speaker 2: I did savings September and I had a really cute

447
00:21:15,480 --> 00:21:16,520
Speaker 2: like chart that you could.

448
00:21:16,600 --> 00:21:18,280
Speaker 4: I do remember this. Yeah that was great.

449
00:21:18,359 --> 00:21:20,919
Speaker 2: Yeah, you're trying to suggest the exact opposite.

450
00:21:20,560 --> 00:21:23,360
Speaker 3: Opposite Yeah, okay, mist full Well, what if we if

451
00:21:23,400 --> 00:21:26,159
Speaker 3: we did like a no spend month, which could be

452
00:21:26,200 --> 00:21:29,360
Speaker 3: September or otherwise. But if v I'm sure with your

453
00:21:29,400 --> 00:21:33,680
Speaker 3: exl or someone's skills, everyone entered the amount of money

454
00:21:33,680 --> 00:21:36,280
Speaker 3: they saved. So then as a community we could be

455
00:21:36,320 --> 00:21:38,399
Speaker 3: at the end of the month like we have saved

456
00:21:38,440 --> 00:21:43,240
Speaker 3: collectively one million dollars or something as a group like that.

457
00:21:43,720 --> 00:21:46,359
Speaker 2: Oh my gosh, yes, we can totally do that. I

458
00:21:46,359 --> 00:21:48,520
Speaker 2: can set up a Google spreadsheet where you guys can

459
00:21:48,640 --> 00:21:50,800
Speaker 2: just add your number to a form and it will

460
00:21:50,840 --> 00:21:53,720
Speaker 2: automatically update the spreadsheet. Oh. I'm going to work on this.

461
00:21:53,800 --> 00:21:55,000
Speaker 1: Oh my god, I'm so excited.

462
00:21:55,000 --> 00:21:56,840
Speaker 3: I shouldn't have mentioned it with distracted v We won't

463
00:21:56,840 --> 00:21:58,600
Speaker 3: see it for another few weeks because you'd be working

464
00:21:58,600 --> 00:22:00,000
Speaker 3: on the spreadsheet the back end.

465
00:22:00,040 --> 00:22:02,720
Speaker 1: I'm so excited about this. Can we end the podcast

466
00:22:02,760 --> 00:22:04,600
Speaker 1: here or do we have to do our wins and confessions?

467
00:22:04,640 --> 00:22:05,679
Speaker 1: Because I really want to talk.

468
00:22:05,520 --> 00:22:07,240
Speaker 2: About to do your wins and confessions?

469
00:22:07,280 --> 00:22:09,199
Speaker 3: Tony's are so pumped to talk about the savings of

470
00:22:09,200 --> 00:22:09,920
Speaker 3: a million dollars.

471
00:22:10,240 --> 00:22:13,560
Speaker 2: Yeah, I want to say a million dollars Before we go, Tony,

472
00:22:13,640 --> 00:22:16,320
Speaker 2: we do want to go through our money wins or confessions,

473
00:22:16,359 --> 00:22:19,320
Speaker 2: so let's fly through those before I jump back into

474
00:22:19,400 --> 00:22:23,160
Speaker 2: Google spreadsheets. Tony, what was your money win or confession

475
00:22:23,200 --> 00:22:23,680
Speaker 2: this week?

476
00:22:24,520 --> 00:22:25,840
Speaker 1: I've got a confession.

477
00:22:26,280 --> 00:22:28,280
Speaker 2: Oh no, but also, what is it?

478
00:22:29,080 --> 00:22:32,040
Speaker 1: So like we said at the beginning of our podcast,

479
00:22:32,240 --> 00:22:35,440
Speaker 1: we're in lockdown at the moment here in Melbourne, which

480
00:22:35,440 --> 00:22:39,119
Speaker 1: has made everything feel really hard, and you know, the

481
00:22:39,160 --> 00:22:42,600
Speaker 1: emotions compound and it just, you know, you want to

482
00:22:42,600 --> 00:22:45,600
Speaker 1: buy yourself nice things. So I've done the opposite of

483
00:22:45,680 --> 00:22:48,840
Speaker 1: no spend May and I've just been buying lots of

484
00:22:49,280 --> 00:22:52,080
Speaker 1: dumb things that make me feel good that it's not real,

485
00:22:52,520 --> 00:22:56,560
Speaker 1: that it's just nice, and I'm just I don't want

486
00:22:56,560 --> 00:22:58,840
Speaker 1: anybody else to feel bad that's doing this. But I've

487
00:22:58,840 --> 00:23:01,720
Speaker 1: definitely been dipping in to the old account to buy

488
00:23:01,760 --> 00:23:04,440
Speaker 1: makeup that I can't wear at the moment because very

489
00:23:04,440 --> 00:23:05,240
Speaker 1: in lockdown.

490
00:23:06,480 --> 00:23:09,280
Speaker 2: Yeah, but if you've got if it makes you feel good.

491
00:23:09,320 --> 00:23:12,840
Speaker 2: I think that just take down is genuinely so mentally

492
00:23:12,880 --> 00:23:15,639
Speaker 2: taxing and so hard. And you know, if you're in

493
00:23:15,680 --> 00:23:18,960
Speaker 2: a state that hasn't experienced this, you are so lucky.

494
00:23:19,400 --> 00:23:21,199
Speaker 2: But it is such a drainer. And Tony, you and

495
00:23:21,200 --> 00:23:23,560
Speaker 2: I were actually talking about this yesterday and I said, oh,

496
00:23:23,680 --> 00:23:26,960
Speaker 2: the afternoons are worse. It's as though you can get

497
00:23:27,040 --> 00:23:28,879
Speaker 2: up in the morning and start their morning off and

498
00:23:28,920 --> 00:23:33,000
Speaker 2: then the afternoons just feel really flat and yeah, not

499
00:23:33,160 --> 00:23:37,040
Speaker 2: so nice. Yeah, So it's just it's a hard place

500
00:23:37,080 --> 00:23:39,840
Speaker 2: to be, and you know, we are so lucky that

501
00:23:39,920 --> 00:23:42,000
Speaker 2: we are in a position where, you know, we're clearly

502
00:23:42,040 --> 00:23:44,840
Speaker 2: still working. But you know, I guess our hearts go

503
00:23:44,920 --> 00:23:48,440
Speaker 2: out to you because it is so challenging and so hard.

504
00:23:48,520 --> 00:23:52,480
Speaker 2: But staying home is putting everybody else in a better situation,

505
00:23:52,720 --> 00:23:55,080
Speaker 2: and I guess that's something that's been really helpful to

506
00:23:55,119 --> 00:23:57,280
Speaker 2: me over the past couple of days. And that's just

507
00:23:57,760 --> 00:23:59,879
Speaker 2: you know, knowing that if my part to play in

508
00:24:00,000 --> 00:24:02,920
Speaker 2: this whole global pandemic is staying home as much as

509
00:24:02,920 --> 00:24:05,399
Speaker 2: possible in the comfort of my own home, then I

510
00:24:05,440 --> 00:24:09,760
Speaker 2: am literally an indecently lucky person who owes literally everything

511
00:24:09,800 --> 00:24:11,480
Speaker 2: to all of the people that are working on the

512
00:24:11,480 --> 00:24:13,920
Speaker 2: front lines of this. And you know, I think that's

513
00:24:14,000 --> 00:24:16,119
Speaker 2: the least we can do, as much as it is

514
00:24:16,160 --> 00:24:16,960
Speaker 2: really challenging.

515
00:24:17,240 --> 00:24:19,399
Speaker 3: And just to add to what you're both saying, So

516
00:24:20,640 --> 00:24:23,480
Speaker 3: I work at the radio station KISS, right, and we're

517
00:24:23,480 --> 00:24:25,280
Speaker 3: doing a thing at the moment where we're like paying

518
00:24:25,320 --> 00:24:28,639
Speaker 3: people's debts and stuff like that, and yeah, I reckon

519
00:24:28,840 --> 00:24:30,879
Speaker 3: ninety percent of the people I've spoken to this week

520
00:24:30,960 --> 00:24:34,400
Speaker 3: in the station's only in Melbourne. Everyone said the same thing. Oh,

521
00:24:34,560 --> 00:24:37,160
Speaker 3: I've just been buying stuff online. It makes me feel

522
00:24:37,160 --> 00:24:39,240
Speaker 3: a bit better. I just don't know. It just gives

523
00:24:39,320 --> 00:24:41,840
Speaker 3: me something to look forward to because this thing's going

524
00:24:41,880 --> 00:24:45,680
Speaker 3: to arrive. And every single person sounds a little bit

525
00:24:45,720 --> 00:24:48,680
Speaker 3: sheepish and that they feel like they're the only one

526
00:24:48,720 --> 00:24:49,600
Speaker 3: doing this silly thing.

527
00:24:49,800 --> 00:24:53,800
Speaker 4: And I tell all of them, no, the people I

528
00:24:53,840 --> 00:24:56,240
Speaker 4: speak to much same thing.

529
00:24:56,359 --> 00:24:58,960
Speaker 3: So if you're feeling a bit guilty for some online

530
00:24:59,000 --> 00:25:01,880
Speaker 3: purchases at home in Melbourne, the one thing you get

531
00:25:01,920 --> 00:25:03,320
Speaker 3: to do each day is go to the front door

532
00:25:03,359 --> 00:25:06,520
Speaker 3: and get something that arives, just know that you're not

533
00:25:06,520 --> 00:25:09,560
Speaker 3: the only one. In fact, you're in the huge majority there.

534
00:25:09,560 --> 00:25:11,439
Speaker 3: So if that makes you feel a bit better about it,

535
00:25:11,640 --> 00:25:12,400
Speaker 3: just know that.

536
00:25:12,359 --> 00:25:15,080
Speaker 1: Thank you. And I hope that that makes other people

537
00:25:15,119 --> 00:25:17,720
Speaker 1: feel better as well, because it's a really hard time.

538
00:25:17,920 --> 00:25:21,680
Speaker 1: So anyway, Ryan, do you have a money win or confession?

539
00:25:22,240 --> 00:25:24,440
Speaker 3: I don't know if this is a win or confession.

540
00:25:24,520 --> 00:25:27,560
Speaker 3: I thought it was a win, but after we did

541
00:25:27,640 --> 00:25:30,840
Speaker 3: those savings hacks earlier where a few people mentioned just

542
00:25:30,880 --> 00:25:32,760
Speaker 3: because it's on special doesn't mean you're winning.

543
00:25:32,920 --> 00:25:36,760
Speaker 4: I don't know where.

544
00:25:33,760 --> 00:25:37,919
Speaker 2: I look My money win or confession is going to

545
00:25:37,920 --> 00:25:39,320
Speaker 2: be similar. So what's yours.

546
00:25:39,640 --> 00:25:42,080
Speaker 3: Yeah, well, just overall, I've spent a little bit less money.

547
00:25:42,119 --> 00:25:44,600
Speaker 3: But I got a notification from Uber eats during the

548
00:25:44,600 --> 00:25:48,280
Speaker 3: week and it was like this double payday, double double.

549
00:25:48,280 --> 00:25:50,440
Speaker 1: Day day, double day day Armor.

550
00:25:50,640 --> 00:25:53,000
Speaker 3: Yeah, and that came through and it's essentially whatever, it's

551
00:25:53,000 --> 00:25:54,920
Speaker 3: like two for the prices wine essentially. And I got

552
00:25:54,960 --> 00:25:56,439
Speaker 3: home and I was like, hey, Bridge, have a look

553
00:25:56,480 --> 00:26:00,879
Speaker 3: at this, and she's like, what, so we have to

554
00:26:02,320 --> 00:26:02,720
Speaker 3: I'm like.

555
00:26:02,680 --> 00:26:05,080
Speaker 4: Oh, it's a saving We're saving money. Be cost us

556
00:26:05,080 --> 00:26:06,680
Speaker 4: money not to get takeaway.

557
00:26:06,400 --> 00:26:09,719
Speaker 1: And supporting small business. You ordered from a local business.

558
00:26:10,119 --> 00:26:12,960
Speaker 4: I did order from a local business. I am you know.

559
00:26:13,040 --> 00:26:15,720
Speaker 3: It is a win for Ryan. I'm going back to

560
00:26:15,760 --> 00:26:19,000
Speaker 3: being a winner. I'm just supporting business, a hero. Thank you,

561
00:26:19,200 --> 00:26:21,840
Speaker 3: appreciate it. Here I am for society, all right, the

562
00:26:22,080 --> 00:26:22,560
Speaker 3: take us home?

563
00:26:22,600 --> 00:26:23,040
Speaker 4: What do we go?

564
00:26:24,160 --> 00:26:27,520
Speaker 2: So I have made a purchase this week that was

565
00:26:27,920 --> 00:26:31,240
Speaker 2: kind of impulse. Working from home, my house is quite

566
00:26:31,359 --> 00:26:34,960
Speaker 2: cold and I really wanted a new pair of ug boots.

567
00:26:35,080 --> 00:26:37,560
Speaker 2: So I bought ug boots. And they're not the cheapest

568
00:26:37,560 --> 00:26:40,600
Speaker 2: thing in the world, like good ug boots are a

569
00:26:40,680 --> 00:26:43,679
Speaker 2: little bit spano, And I was willing to do it.

570
00:26:43,720 --> 00:26:44,040
Speaker 1: They are.

571
00:26:44,920 --> 00:26:47,080
Speaker 3: You can feel the difference though right the quality of

572
00:26:47,119 --> 00:26:48,320
Speaker 3: the real original art.

573
00:26:48,440 --> 00:26:51,480
Speaker 2: Absolutely can and they are arguably the most Victorian mine

574
00:26:52,400 --> 00:26:53,680
Speaker 2: you've seen in your life.

575
00:26:54,400 --> 00:26:56,960
Speaker 1: For anybody that can't see Victoria, which is every single

576
00:26:56,960 --> 00:26:59,760
Speaker 1: person in the world except Brian and I, they are

577
00:26:59,800 --> 00:27:03,040
Speaker 1: a pink, fluffy ug boot with a pink bow on

578
00:27:03,080 --> 00:27:03,520
Speaker 1: the back.

579
00:27:04,320 --> 00:27:06,640
Speaker 2: Yeah, they are the most Victoria divine pair of mug

580
00:27:06,640 --> 00:27:07,960
Speaker 2: boots I've ever scene.

581
00:27:08,400 --> 00:27:09,640
Speaker 4: But that's going to say.

582
00:27:09,880 --> 00:27:12,000
Speaker 3: I was like a pair of ug boots in your

583
00:27:12,040 --> 00:27:15,720
Speaker 3: shoe cupboard that I have walked into. I was like,

584
00:27:15,800 --> 00:27:18,560
Speaker 3: I don't know if they would look the part, but

585
00:27:18,640 --> 00:27:20,600
Speaker 3: now that I've seen them, they actually suit the rest

586
00:27:20,600 --> 00:27:21,840
Speaker 3: of your shoe cupboard, so.

587
00:27:22,440 --> 00:27:23,520
Speaker 4: Your shoe thank you.

588
00:27:23,560 --> 00:27:26,679
Speaker 2: I'm here all day. But I did end up saving

589
00:27:26,760 --> 00:27:29,120
Speaker 2: like eighty dollars on them because it turns out I'm

590
00:27:29,119 --> 00:27:32,080
Speaker 2: probably the only person who does want pink ug boots

591
00:27:34,119 --> 00:27:39,080
Speaker 2: to the other normal colors they were on sale, which

592
00:27:39,119 --> 00:27:40,960
Speaker 2: is money win for me. Guys.

593
00:27:42,160 --> 00:27:44,480
Speaker 1: I believe. I can't believe no one else wanted to

594
00:27:44,480 --> 00:27:49,080
Speaker 1: purchase those pink ug boots with a pink so weird,

595
00:27:49,520 --> 00:27:51,800
Speaker 1: but you know what they're going to sell out now

596
00:27:52,680 --> 00:27:53,040
Speaker 1: now that.

597
00:27:53,000 --> 00:27:57,440
Speaker 2: We've they are really cute, guys.

598
00:27:57,920 --> 00:27:59,840
Speaker 3: Of all the brands I've worked with, this is going

599
00:27:59,880 --> 00:28:01,560
Speaker 3: to be the one we're like, oh my god, Victoria,

600
00:28:01,640 --> 00:28:03,080
Speaker 3: she's the pink ugboot girl.

601
00:28:03,720 --> 00:28:07,040
Speaker 2: Yeah, we're not even working with them, like well we

602
00:28:07,080 --> 00:28:09,400
Speaker 2: should in Australia. If you want to reach out.

603
00:28:09,320 --> 00:28:10,919
Speaker 1: We'll put a picture of the ug Boots up on

604
00:28:10,920 --> 00:28:14,320
Speaker 1: our Instagram because they're just they're very Victoria divine. I

605
00:28:14,320 --> 00:28:17,080
Speaker 1: love it life. Not consistent to your brand?

606
00:28:18,400 --> 00:28:22,040
Speaker 2: Yeah, I don't say I'm not consistent, guys. I'm committed

607
00:28:22,080 --> 00:28:24,400
Speaker 2: to the course and very committed. All right, I think

608
00:28:24,440 --> 00:28:27,000
Speaker 2: that is all we have time for today. But just

609
00:28:27,040 --> 00:28:29,040
Speaker 2: before we head off, we'd like to acknowledge and pay

610
00:28:29,080 --> 00:28:32,920
Speaker 2: respect to Australia's Aboriginal and tourist Straight Islander people's. They're

611
00:28:32,920 --> 00:28:35,639
Speaker 2: the traditional custodians of the lands, the waterways and the

612
00:28:35,680 --> 00:28:38,920
Speaker 2: skies all across Australia. We thank you for sharing and

613
00:28:38,960 --> 00:28:40,840
Speaker 2: for caring for the land on which we are able

614
00:28:40,840 --> 00:28:43,640
Speaker 2: to learn. We pay our respects to elders past and present,

615
00:28:43,680 --> 00:28:45,760
Speaker 2: and we share our friendship and our kindness.

616
00:28:45,880 --> 00:28:48,440
Speaker 1: The advice shared on She's on the Money is generally

617
00:28:48,560 --> 00:28:52,280
Speaker 1: nature and does not consider your individual circumstances. She's on

618
00:28:52,320 --> 00:28:55,400
Speaker 1: the Money exists purely for educational purposes and should not

619
00:28:55,440 --> 00:28:58,440
Speaker 1: be relied upon to make an investment or financial decision.

620
00:28:58,960 --> 00:29:02,920
Speaker 1: And we promise that Victoria Divine is an authorized representative

621
00:29:02,960 --> 00:29:07,240
Speaker 1: of Australia Pacific Funds Management Proprietary Limited ABN three four

622
00:29:07,320 --> 00:29:10,520
Speaker 1: one three two four six three two five seven AFSL

623
00:29:10,640 --> 00:29:12,360
Speaker 1: three three nine one five one.

624
00:29:12,520 --> 00:29:14,640
Speaker 3: And if you've enjoyed this podcast, let us know by

625
00:29:14,720 --> 00:29:17,120
Speaker 3: leaving a review or send us a DM on Insta,

626
00:29:17,240 --> 00:29:19,240
Speaker 3: leave us a comment. We'd love to hear your feedback

627
00:29:19,280 --> 00:29:21,360
Speaker 3: in your thoughts on the episode, and of course, if

628
00:29:21,400 --> 00:29:23,280
Speaker 3: you're not in the Facebook group, a lot of the

629
00:29:23,320 --> 00:29:25,320
Speaker 3: stuff we talk about and Friday Drinks comes from the

630
00:29:25,360 --> 00:29:27,480
Speaker 3: Facebook group, so we'd love to hear your thoughts. Just

631
00:29:27,480 --> 00:29:30,000
Speaker 3: search for the Shees on the Money Facebook community and

632
00:29:30,120 --> 00:29:33,600
Speaker 3: join the one hundred and seventy.

633
00:29:33,320 --> 00:29:35,920
Speaker 4: Thousand are we Is that about where we're at at

634
00:29:35,920 --> 00:29:36,280
Speaker 4: the moment.

635
00:29:36,800 --> 00:29:39,240
Speaker 2: We've just surpassed it, which is wild.

636
00:29:40,400 --> 00:29:42,440
Speaker 3: Well, come and join the party. Oh my god, that

637
00:29:42,480 --> 00:29:43,880
Speaker 3: sounds so lame, but you know what I'm saying. Come

638
00:29:43,920 --> 00:29:46,040
Speaker 3: and join us, and we'd love to see you in there,

639
00:29:46,160 --> 00:29:46,800
Speaker 3: Thanks for listening.

640
00:29:46,880 --> 00:29:54,360
Speaker 1: Team Bye Bye,