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Speaker 1: She's on the Money.

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

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Speaker 2: the Money, the podcast of millennials you want Financial Freenom.

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Speaker 2: My name is Georgia King. I'm a copywriter and journalism

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Speaker 2: student and it's Wednesday, which means it's time to chat

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Speaker 2: money with Melbourne based finance magician Victoria Devine.

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Speaker 1: Hello, v Hello, I like being called toy. Yeah that's nice.

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Speaker 1: I'll keep that carry on now.

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Speaker 2: Today on the show, we're talking leave entitlements, covering off

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Speaker 2: everything from what Australian law says you're entitled to when

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Speaker 2: it comes to annual maternity cares, leave and more, as

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Speaker 2: well as what the goal is if you're a freelancer. Plus,

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Speaker 2: we'll be exploring how to navigate the sticky situation of

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Speaker 2: what to do when your boss doesn't want you to

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Speaker 2: take the leave you're entitled to.

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Speaker 1: Is this a subtle grab at me, Georgia or okay, cool?

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Speaker 1: Moving on, it's a personal attack.

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Speaker 3: Now.

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Speaker 2: There are very juicy times ahead, Vicki. But before we

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Speaker 2: knuckle down and get on into it, you very excitingly

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Speaker 2: had a little webinar with the amazing Lisa Messenger a

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Speaker 2: couple of weeks ago for anyone who missed it, give

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Speaker 2: us a little reek.

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Speaker 1: Oh my gosh, yes I did. So, HP have put

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Speaker 1: on the HP Business Not as Usual series only is

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Speaker 1: hosted by the delightful Lisa Messenger, who has a podcast

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Speaker 1: off her own if you guys are interested in listening

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Speaker 1: to it. But they pulled together so many exciting business owners.

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Speaker 1: So for example, obviously me subtle plug, humble brag, obvious,

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Speaker 1: but I was speaking about financing during a crisis, and

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Speaker 1: they probably put me first because it can't get much

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Speaker 1: worse than that. And then recently they've had the likes

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Speaker 1: of Pepper Hallis who established a Labashet and Elise Tran

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Speaker 1: who established the Daily Edited, which if you guys have

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Speaker 1: ever been in the Sheets on the Money Office, I

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Speaker 1: think it's looted with Sheets on the Money.

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Speaker 2: The monogram stuff.

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Speaker 1: Yeah, that's all of our monogrammed loot, which is very exciting.

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Speaker 1: But they are amazing business women. So if you are

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Speaker 1: keen to have a listen to that or replay my

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Speaker 1: webinar with Lisa, jump on on, Jump on, Jump on on,

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Speaker 1: Jump online, and you can rewatch it via the link

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Speaker 1: that we are going to put in the show Notesorgia.

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Speaker 2: How long roughly are we talking for that one?

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Speaker 1: Look? It was probably about fifty minutes of solid.

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Speaker 2: Content, same size as the podcast.

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Speaker 1: I was genuinely really worried because obviously during COVID I

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Speaker 1: wasn't allowed to travel to Sydney to go and film

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Speaker 1: this with Lisa. But we had such grave chemistry. I

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Speaker 1: really enjoyed that interview.

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Speaker 2: Not gonna lie interesting. Maybe you should start your own podcaster.

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Speaker 1: Oh my gosh, yes, just don't.

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Speaker 2: Find me money wins and confessions. Let's move along. You

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Speaker 2: can go first because you always do, and that's how

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Speaker 2: we do.

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Speaker 1: It, is it. I like structure, so yeah, let's keep that. Okay, Georgia,

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Speaker 1: I actually have a money in this week. Happy for you.

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Speaker 1: Thank you. It's like a money win that's not a loss.

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Speaker 1: But also I could have done it myself, So let's see.

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Speaker 1: Way back in June, I purchased a number of bookshelves

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Speaker 1: from the very trusty Ikea and they were for my office.

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Speaker 1: But then COVID happened in Melvin again, and we've been

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Speaker 1: in lockdown, so I have not put those bookshelves up.

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Speaker 1: They've been sitting in their boxes, taking up a lot

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Speaker 1: of space in our office, as you would know, Georgia yea.

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Speaker 1: And so I kept talking about how I was going

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Speaker 1: to come in and put them together, but it was

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Speaker 1: never going to happen because I actually am not very

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Speaker 1: good at flat pack furniture. Thought maybe I'll get my

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Speaker 1: partner in on this, but I didn't want to get

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Speaker 1: a divorce before we even talk about marriage. So I've

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Speaker 1: jumped on Air Tasker. I'm paying someone to come in

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Speaker 1: and set up our bookcases tomorrow for a pretty good

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Speaker 1: amount of money. Seventy five bucks. There's three big bookcases.

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Speaker 1: So money win from me because I can continue working

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Speaker 1: well this happens. But also I love that there's someone

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Speaker 1: on Air Tasker who's gotten another job out of this,

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Speaker 1: and he seems lovely so far. So I don't know.

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Speaker 1: I thought that was a money win that I could

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Speaker 1: potentially pass on to the community as well, because if

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Speaker 1: you want some extra cash coming up to Christmas, why

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Speaker 1: not John pon Air Tasker, I'll put together someone's flat

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Speaker 1: back furniture.

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Speaker 2: Clever, clever. I'm like, that can't be that hard.

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Speaker 1: I mean, it's not that hard. I can clearly put

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Speaker 1: together flat packed furniture. But I've just got six million

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Speaker 1: things on at the moment, especially coming up to Christmas,

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Speaker 1: that it made sense to just find someone for a

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Speaker 1: reasonable price to get it done. So for me, that's

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Speaker 1: a money win and kind of a life win.

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Speaker 2: So mine is obscure. Well what a change for George.

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Speaker 2: So I've recently moved into a new apartment with my boyfriend.

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Speaker 1: Georgia getting personal. So it's getting.

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Speaker 2: Serious, it's getting no no just mates housemates in a

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Speaker 2: one bedroom, past roommates. Yeah, anyway, I love that for

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Speaker 2: another time, no one's interested in I am.

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Speaker 1: I absolutely am, and I know every single one of

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Speaker 1: our listeners wants to know about your personal.

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Speaker 2: Life, like the good housemate that I am. To my boyfriend,

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Speaker 2: I was like, I'll make dinner tonight, sweets. You just

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Speaker 2: go relax, have a beer on the balcony. That's why

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Speaker 2: I talked to him. Anyway, he's drinking his beer, having

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Speaker 2: a good time. I'm making vodka pasta else. It's kind

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Speaker 2: of my specialty. It is the most it's your specialty. Yeah,

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Speaker 2: you've never made it for me.

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Speaker 1: I mean, I actually didn't eat.

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Speaker 2: Any of the things going on.

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Speaker 1: Feeling attack. I just want to be included.

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Speaker 2: Georgia actually did make a vegan version of it for

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Speaker 2: my partner's parents recently, so maybe I could make it

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Speaker 2: for you free pasta, right, anyway.

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Speaker 1: I'm on this. Yeah, but who do you think you are? Gigi?

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Speaker 2: He did, Well, that's it's not her recipe, but this

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Speaker 2: has been making the recently, hasn't it. Well maybe it's

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Speaker 2: exactly the same, but I didn't use her recipe. It's

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Speaker 2: Gigi King's recipe. You know. I like that as good

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Speaker 2: looking as each other. Anyway, I don't believe that Gigi

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Speaker 2: did actually eats vodka pasta, but that's the chat for

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Speaker 2: another time as well. Point is, I was halfway through

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Speaker 2: making the dinner and then got a little excited, went

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Speaker 2: to pop a record on and the entire vat of

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Speaker 2: pasta sauce fell on the ground. Oh no, a new apartment, Like,

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Speaker 2: it's not that new.

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Speaker 1: It's got but it's got brand new flooring and it

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Speaker 1: doesn't matter.

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Speaker 2: Yeah, and now it has pasta remnants. But that's okay

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Speaker 2: because it's delicious. But the low is that it was

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Speaker 2: you know, expensive, and I had to make it again.

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Speaker 1: So yeah, well you literally put vodka in your past us,

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Speaker 1: so I mean it was mishka. Oh okay, all right, well,

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Speaker 1: but maybe I don't want you to cook. No, no,

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Speaker 1: that's honestly for those of us who are under the

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Speaker 1: age of twenty four. I do believe we have a

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Speaker 1: very good relationship with Mishka Vodka.

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Speaker 2: Absolutely got a lot of jobs done back in the day. Anyway,

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Speaker 2: that's my confession done. Shall we move across to the Facebook.

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Speaker 1: I'm not even sure what that confession was. Absolutely we should, Georgia,

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Speaker 1: so I have a money win from Jazz. Jazz said,

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Speaker 1: and I really liked this one actually because, as you know, Georgia,

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Speaker 1: it's something that I am definitely guilty of. She said.

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Speaker 1: So not many people know this, and she reckons it's

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Speaker 1: a bit of a hat. She says, she's a size

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Speaker 1: seven women's shoes, and sometimes you can even be in

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Speaker 1: eight depending on the fit, but when it comes to

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Speaker 1: sneakers and runners, she's a kid's size five to six.

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Speaker 1: So she bought some new Acid Runners, which are usually

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Speaker 1: one hundred and eighty bucks for women's shoes, which we've

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Speaker 1: all been there. It is so expensis exactly, and she

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Speaker 1: said she bought the kids version for ninety bucks, which

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Speaker 1: is to me a massive money win. But then on

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Speaker 1: top of that, Georgia, she said she used her shop

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Speaker 1: back account, so she got even more money. Yeah, I'd

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Speaker 1: love that for her, and I think that this is

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Speaker 1: an epic money win because we can all, especially if

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Speaker 1: we have smaller fetes, we can all learn from that

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Speaker 1: and potentially embrace it ourselves.

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Speaker 2: I've got size eighties, I mean not eighties, wow, size

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Speaker 2: eight and I put on an ease on the end

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Speaker 2: because that's how I speak. Would I fit into children's shop?

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Speaker 1: You absolutely would, because my friends now we're sharing personal

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Speaker 1: information like moving in with our boyfriends and shoe sizes.

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Speaker 1: I'm a size forty, which is a nine homel, and

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Speaker 1: I can sometimes fit in kids runners. So yeah, all

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Speaker 1: the way up to my flopper, my flopper, flopper, flipper flip,

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Speaker 1: my flipper feet. There you go.

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Speaker 2: I wouldn't have picked that.

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Speaker 1: I did read through some of the comments on this too,

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Speaker 1: and I'd love to continue this conversation. Actually, pure out

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Speaker 1: of entertainment probably provides no value to anybody else but me.

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Speaker 1: But a few people were saying that we shouldn't do

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Speaker 1: this because it's not as good for our feet as

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Speaker 1: adult shoes. But I would argue that kids shoes should

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Speaker 1: be really well made, especially if they're as six, because

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Speaker 1: kid's feet are still developing.

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Speaker 2: Well, that's true, and they're also like on their feet

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Speaker 2: more than.

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Speaker 1: Adults because they wear them to school and stuff. But

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Speaker 1: then when it comes to shoes like Converse, aren't they

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Speaker 1: just universally completely flat.

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Speaker 2: On the whole feet? Yeah? So interesting.

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Speaker 1: Maybe it doesn't actually matter.

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Speaker 2: So if anyone works for like the athletes for.

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Speaker 1: Shore, can you just tell us the goss. Yeah, we'll

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Speaker 1: have some insider goss. You can remain completely anonymous and

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Speaker 1: we will dish the dirt on shoe sizes.

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Speaker 2: Love can't wait?

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Speaker 1: What have you got for me? Georgia?

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Speaker 2: Okay, So mine is from the Lovely Lauren who has

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Speaker 2: a DIY money win. So she saw an earring organizer

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Speaker 2: slash display on Etsy a few weeks ago, but it

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Speaker 2: was over ninety dollars, so she was like, it's.

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Speaker 1: He can be really expensive.

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Speaker 2: Yeah, and then she had to pay shipping on top

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Speaker 2: of that. So she was like, no, no, no, I'm

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Speaker 2: gonna do it. She's on the money er and I'm

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Speaker 2: going to di I Wyatt. So she spent thirty four

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Speaker 2: dollars creating it herself.

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Speaker 1: Oh I love that and the pictures are so pretty.

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Speaker 2: I know she's got so many pairs of quirky earrings.

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Speaker 1: There's some ice creams, there's some flamingos. My personal favorite.

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Speaker 1: There are the iced vovos.

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Speaker 2: What about they still talk to me as well, the

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Speaker 2: iced phovos and probably the watermelons.

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Speaker 1: Yeah, look, I quite like that. If you guys don't

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Speaker 1: know what we're talking about, jump on in and look

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Speaker 1: at Lauren's post.

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Speaker 2: Just such Lauren Etsy, I guess it'll probably come up.

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Speaker 2: But yeah, we loved that song.

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Speaker 1: Oh my gosh, Georgia, I just saw the baby Yoda earrings.

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Speaker 2: What we're the baby Yoda?

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Speaker 1: He was just hiding there that Yeah, takes the cake,

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Speaker 1: that takes the cake.

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Speaker 2: Well done, Well done, Lauren. I think we could probably

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Speaker 2: move along to the main topic of today's show.

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Speaker 1: If you're ready for what a Dream? It's going to

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Speaker 1: be so exciting.

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Speaker 2: Leave entitlements. It doesn't sound exciting and actually be. When

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Speaker 2: you suggested this as a topic, I think that's literally

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Speaker 2: what I said to you, Like you did topic interest text.

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Speaker 1: And then I didn't reply. Get it on purpose?

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Speaker 2: Jeez? Are we fighting anyway? WHOA? I did my research, guys,

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Speaker 2: turns out. This is actually an incredibly interesting, complex topic,

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Speaker 2: I promise you, especially when we compare our workplace rights

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Speaker 2: in Australia to those that exist in other countries.

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Speaker 1: Because it turns out we're pretty lucky.

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Speaker 2: Well that's it. That is it, And that was a

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Speaker 2: nice yeah. So I hope you enjoyed this song, guys. No,

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Speaker 2: we will continue now. I have lots of questions for

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Speaker 2: you today, v, especially with Christmas holidays coming up and

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Speaker 2: many of us taking leave around this time. But I

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Speaker 2: think probably the most sensible place to start would be

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Speaker 2: to have a little chat through all of the different

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Speaker 2: leaves that we are entitled to in Australia, as there

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Speaker 2: are a few some of our listeners may not have

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Speaker 2: even heard of. So to kick us off, talk me

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Speaker 2: through what each of these classes of leave mean for

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Speaker 2: Ozzie employees.

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Speaker 1: I most certainly can do that, George. But before we

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Speaker 1: get into today's chat, I do actually want to flag

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Speaker 1: that there are sillo many different types of leave in Australia. Right,

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Speaker 1: So you can be full timer, you could be part time,

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Speaker 1: you could have a casual role, you could have fixed

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Speaker 1: term contract, you could be a shift worker. You're like you, Georgia, King,

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Speaker 1: you could be a freelancer or an apprentice. The list

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Speaker 1: goes on and on and on and on. But all

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Speaker 1: of these different types of employees receive different entitlements, which

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Speaker 1: is uber confusing. And if you do want the full

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Speaker 1: scope on specifics of your employment type, there is a

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Speaker 1: fantastic OZ government website that lays it out super clearly.

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Speaker 1: We're going to link that in the show notes. But today,

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Speaker 1: just to clarify, we're mainly going to be talking about

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Speaker 1: full time, part time and casual roles because that's what

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Speaker 1: ninety nine point ninety five percent of our listeners are

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Speaker 1: classed as. So that would make the most sense, Georgia King,

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Speaker 1: So straight into it, Georgia, you are absolutely right. Employees

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Speaker 1: here in Australia are entitled to annual leaf or holiday leave.

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Speaker 1: We're typical full time employees working thirty eight hours a

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Speaker 1: week received four whole weeks off per year. Now that

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Speaker 1: is a pretty good outcome if you ask me for

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Speaker 1: OZZY employees when we look at the way other countries operate.

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Speaker 1: So to give you some caparison, Georgia, I was reading

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Speaker 1: this week. In China, for example, employees are entitled to

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Speaker 1: a minimum of five paid annual leave days and a

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Speaker 1: maximum of fifteen days, and that's for employees who've been

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Speaker 1: with the business for some time. In the USA, there

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Speaker 1: are no hard and fast laws at all about annual leave,

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Speaker 1: and it varies completely on the employer. But the average

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Speaker 1: US worker receives about ten days of paid annual leave

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Speaker 1: each and every single year, So by comparison, we have

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Speaker 1: a pretty sweet deal here. I would say part time

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Speaker 1: is also are entitled to four weeks of paid leave,

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Speaker 1: but it's paid on a pro rata basis, FYI, and

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Speaker 1: that's based on how many hours they work as a

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Speaker 1: part of their part time contract.

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Speaker 2: What does pro rata mean for anyone who doesn't know

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Speaker 2: what that means?

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Speaker 1: So pro rata Georgia means proportionate allocation, So it means

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Speaker 1: that I would say, if you've got a full time

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Speaker 1: job in that role, you get fifty grand a year,

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Speaker 1: but because you're only working three days a week, that

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Speaker 1: salary would be brought back down to thirty grand a year.

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Speaker 1: So it's yeah, it's equivalent to the amount of days

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Speaker 1: you work in that role, So it's kind of like

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Speaker 1: a percentage. If your job was outlined as being a

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Speaker 1: full time job, at sixty grand a year, but you

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Speaker 1: only worked fifty percent of that role. By two and

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Speaker 1: a half days a week, you'd get about thirty thousand

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Speaker 1: dollars as a salary. So pro rata means it's just

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Speaker 1: in line with the proportion of ours you work in

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Speaker 1: comparison to the role.

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Speaker 2: Yeah, requirements, that makes sense.

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Speaker 1: Does that make sense?

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Speaker 2: It does make sense.

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Speaker 1: Really should have found a proper definition, but that's okay,

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Speaker 1: I'll just make it up as we That was good,

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Speaker 1: makes sense, that works homey as your HR advisor loved it.

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Speaker 2: Casuals, what do they get in the way about it?

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Speaker 1: Casualists do not get any leave, but they do get

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Speaker 1: the benefit of a slightly more flexible working schedule, and

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Speaker 1: they often receive a higher hourly rate, which is called

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Speaker 1: casual loading, so that balances out the lack of benefits

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Speaker 1: that they receive. In saying that, there was a case

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Speaker 1: this year where it held that because the employee was

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Speaker 1: casual when working regular and systematic hours with quote the

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Speaker 1: predictable periods of working time, that they were actually being

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Speaker 1: titled to personally compassionately public holiday payments, which is kind

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Speaker 1: of cool. So basically, the court concluded that because Rosato

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Speaker 1: was a casual whose nature of work was absolutely identical

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Speaker 1: or similar to than he too should receive those benefits.

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Speaker 1: So if you're a quote long term casual, please do

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Speaker 1: make sure that you are receiving everything you are entitled to.

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Speaker 1: And I know that there are so many businesses that

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Speaker 1: do this when they should actually have employed people on

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Speaker 1: a full time basis. It happens a lot in retail

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Speaker 1: and you will see people hired as a casual, but

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Speaker 1: they're still working their thirty eight hours a week and

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Speaker 1: they've been employed by that company for the last four years,

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Speaker 1: which a little bit sticky, little bit different. I'm obviously

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Speaker 1: quite opinionated on this because I like people to have

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Speaker 1: equal rights, but definitely worthy of looking into. My friends.

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Speaker 2: Is that a conversation you could have with your employer.

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Speaker 1: It absolutely is, And I think it's more around understanding

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Speaker 1: your entitlements because you might actually be really happy with

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Speaker 1: that role. So I have a friend who is in

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Speaker 1: this exact situation and she does not want to change

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Speaker 1: her job at all, doesn't want a permanent contract because

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Speaker 1: she's getting a higher hourly rate, and she's very happy

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Speaker 1: to go without the leave entitlements because it doesn't worry

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Speaker 1: her at all for the additional savings. So it's more

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Speaker 1: about understanding what it means for you, not just arguing

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Speaker 1: the fact that you're not being treated equally, because, as

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Speaker 1: seen in that court case Georgia, when push comes to shove,

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Speaker 1: if you actually have proven that you're a full time employee,

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Speaker 1: you're probably going to get those better pets any.

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Speaker 2: Brand, and you still get paid tax and super in

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Speaker 2: a proper casual job as well. Jenny, Yes you do,

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Speaker 2: Yes you should cool, So just back on regular if

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Speaker 2: you like, and you'll leave for a second. That does

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Speaker 2: a crew, and it carries over from me to year, right.

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Speaker 1: Yes, I no, my friend, so, and you'll leave accumulates

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Speaker 1: over the year as well. So if you only take

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Speaker 1: like a couple of weeks at the start of the year,

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Speaker 1: you can use it in the later of the year,

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Speaker 1: or it's sometimes it's transferred to the next year. However,

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Speaker 1: most companies do really want you to take those four

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Speaker 1: weeks each year. Sometimes in your employment contract you'll find

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Speaker 1: that it actually doesn't roll over in your force to

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Speaker 1: take it, which is called forced leave, which is absolutely

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Speaker 1: fine and quite normal. Just read your contracts to understand

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Speaker 1: what you are and aren't entitled with. But essentially companies

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Speaker 1: don't love the idea of you banking, you know, eight

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Speaker 1: to twelve weeks, going to Europe, being paid for it

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Speaker 1: and then not having an employee for two to three months.

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Speaker 1: So it's a risk on both sides, if that makes sense.

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Speaker 1: We then Georgia on top of that, have sick and

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Speaker 1: care as leave. So this is something that I do

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Speaker 1: not see enough people taking. And I'm not saying everybody

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Speaker 1: take you sick leave, everybody take your care as leave,

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Speaker 1: but carers leave, I believe is probably the most underrated

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Speaker 1: leave in Australia and you should be taking it when

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Speaker 1: you need to take it. If you've got a sick

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Speaker 1: parent that needs to be taken to doctors appointments. That

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Speaker 1: is what your cares leave is for my friends. You

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Speaker 1: don't have to use your annual leave for that. You'll

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Speaker 1: receive a total of ten days sick leave per year

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Speaker 1: as a full time person and obviously pro rata as

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Speaker 1: a part timer, which can be calculated as one out

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Speaker 1: of twenty six of an employee's ordinary working hours in

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Speaker 1: a year. So for a full timer working about thirty

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Speaker 1: eight hours a week, you multiply that by fifty two

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Speaker 1: weeks a year, which comes to a total Georgia of

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Speaker 1: one nine hundred and seventy six. Did the maths before,

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Speaker 1: of course, then you divide that by a total of

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Speaker 1: twenty six, which gives you a total of seventy six

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Speaker 1: hours of paid slash cares leave annually. You do the

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Speaker 1: same maths for part timers obviously, and just adjust the

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Speaker 1: hour figure to work out how much you are actually owed.

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Speaker 1: Love that Mascal, come at me. But sick leave Georgia

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Speaker 1: is also cumulative, so if you only use two days

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Speaker 1: of your ten INNY year, those extra days actually get

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Speaker 1: transferred over to the next year. However, when you leave

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Speaker 1: the organization, unlike an You'll leave, those hours don't actually

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Speaker 1: get paid out. Mental health days, my friends, also fall

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Speaker 1: into the sick leave category as well, which I think

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Speaker 1: is an incredibly important development over the last few years,

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Speaker 1: and it does feel like there's a greater understanding of

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Speaker 1: the importance of mental health and having laws in place

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Speaker 1: that actually support employees to take those days when they

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Speaker 1: really need them, and I think that's incredibly important and

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Speaker 1: you can need, like again back on my high horses,

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Speaker 1: like be kinder to yourself, but genuinely be kinder to yourself.

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Speaker 1: Sometimes actually, just taking a mental health day is going

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Speaker 1: to make you so much more productive for the rest

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Speaker 1: of the month.

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Speaker 2: That's so true. It can make the world of difference

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Speaker 2: just having that day to recharge.

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Speaker 1: And one hundred percent, you don't just have to have

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Speaker 1: a flu to take a day off work. Like sometimes

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Speaker 1: you're just like mental load is just maxed out. You

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Speaker 1: can't function, You're really anxious. You need to just take

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Speaker 1: a day off work, be at home, literally cuddle your

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Speaker 1: cat and have a cup of tea. And I know

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Speaker 1: that that's not what employers are going to want to

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Speaker 1: hear from me, But if you're an employee, know that

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Speaker 1: you are entitled to that and if you need it,

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Speaker 1: you should be taking.

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Speaker 2: It, and your employer probably would prefer you take that

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Speaker 2: so that you can come to work and be the

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Speaker 2: best version of you anyway.

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Speaker 1: Right, one hundred percent. And I think it's really important

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Speaker 1: to understand that if you do take a mental health day,

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Speaker 1: you don't have any obligation to explain that to your employer.

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Speaker 1: So some people say, oh, but if I need to

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Speaker 1: take a mental health day, it's like that is not

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Speaker 1: something that your employers even ask about if they do,

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Speaker 1: it's none of their business.

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Speaker 2: My friends, do you need this is off topic slightly,

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Speaker 2: but when I can't remember because I haven't worked in

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Speaker 2: a proper corporate job in a while, But do you

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Speaker 2: need like a doctor's slit a medical certificate to have

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Speaker 2: sick days?

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Speaker 1: So it will be in your employment contract as to

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Speaker 1: what your employer expects. Often employers expect you to do

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Speaker 1: it if you have more than one day off. So

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Speaker 1: if you just have one day, they're kind of like, yeah, okay,

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Speaker 1: no problems. I'm sure that they will have a chat

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Speaker 1: with you if you've taken like eight sick days at

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Speaker 1: the start of the year and they're going, hey, Georgia King,

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Speaker 1: Yeah look, I'm not gonna lie. I have had that happen, really, yes, absolutely,

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Speaker 1: And I have seen Instagram stories of people at the

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Speaker 1: beach when they said they're in bed with the flu.

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Speaker 1: That's historically it wasn't my employees, thankfully, it was in

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Speaker 1: another job, and I just felt like maybe they were

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00:19:55,800 --> 00:19:56,600
Speaker 1: just a bit ballsy.

435
00:19:56,840 --> 00:19:57,080
Speaker 2: Yeah.

436
00:19:57,200 --> 00:19:59,320
Speaker 1: If I'm honest, I wouldn't have the guts to do that.

437
00:19:59,480 --> 00:20:01,880
Speaker 1: Like if I'd taken a sick day from work, I'd

438
00:20:01,920 --> 00:20:04,280
Speaker 1: probably be hiding out. Maybe if I had taken a

439
00:20:04,280 --> 00:20:05,800
Speaker 1: sick day to go to the beach. Yeah, yeah, I wish

440
00:20:05,800 --> 00:20:06,440
Speaker 1: I've never done.

441
00:20:06,480 --> 00:20:08,960
Speaker 2: Honestly, hey, you could do it now that you're you know,

442
00:20:09,240 --> 00:20:10,280
Speaker 2: the boss.

443
00:20:09,960 --> 00:20:12,239
Speaker 1: Look I do. But I was also that goodie two

444
00:20:12,280 --> 00:20:13,760
Speaker 1: shoes that never skipped out on school.

445
00:20:13,880 --> 00:20:14,080
Speaker 2: Yeah.

446
00:20:14,200 --> 00:20:14,480
Speaker 3: Same?

447
00:20:14,560 --> 00:20:15,680
Speaker 2: So was I interesting?

448
00:20:15,760 --> 00:20:17,720
Speaker 1: Yeah? Like I didn't. I just feel really bad and

449
00:20:17,720 --> 00:20:20,080
Speaker 1: I've never actually used my sick leave. That is not

450
00:20:20,160 --> 00:20:20,639
Speaker 1: a brag.

451
00:20:20,920 --> 00:20:24,000
Speaker 2: No, that's the thing. And I'm the same, and we shouldn't.

452
00:20:24,040 --> 00:20:25,399
Speaker 2: That's not something we should.

453
00:20:25,160 --> 00:20:27,399
Speaker 1: Be proud of. No, absolutely, you shouldn't like.

454
00:20:27,600 --> 00:20:29,239
Speaker 2: But why is that, Like that seems to be a

455
00:20:29,280 --> 00:20:32,520
Speaker 2: young millennial thing that you do feel guilty for taking

456
00:20:32,520 --> 00:20:33,080
Speaker 2: those sick days.

457
00:20:33,920 --> 00:20:36,720
Speaker 1: They're guilt take exactly. They're there for you to take,

458
00:20:36,760 --> 00:20:40,240
Speaker 1: and I wouldn't like. I think it's in interesting mentality Georgia,

459
00:20:40,320 --> 00:20:42,800
Speaker 1: because you end up in this situation where you're like, oh, well,

460
00:20:42,800 --> 00:20:44,760
Speaker 1: I'm entitled to it, And then on the flip side,

461
00:20:44,800 --> 00:20:48,400
Speaker 1: everyone says that as millennials we're super entitled, Like, get,

462
00:20:48,440 --> 00:20:50,280
Speaker 1: we're entitled to it. But I think it's just using

463
00:20:50,320 --> 00:20:53,000
Speaker 1: things within reason, like if you need the day, fantastic

464
00:20:53,119 --> 00:20:55,639
Speaker 1: take it, but don't see your sick leave as something

465
00:20:55,720 --> 00:20:58,239
Speaker 1: that you're quote gonna lose if you don't use it.

466
00:20:58,720 --> 00:21:00,920
Speaker 1: Like I find that to be good of gross when

467
00:21:00,960 --> 00:21:03,520
Speaker 1: people were like, oh, I've got so many sick cowboys,

468
00:21:03,520 --> 00:21:05,120
Speaker 1: I'm just going to take a sick day, and I'm

469
00:21:05,160 --> 00:21:08,280
Speaker 1: just like wow, Like that's not That's not the work

470
00:21:08,320 --> 00:21:09,560
Speaker 1: ethic that I would love in my mind.

471
00:21:09,880 --> 00:21:13,439
Speaker 2: It's like a poor character train. Yeah.

472
00:21:14,000 --> 00:21:16,160
Speaker 1: I don't rate that at all. But let's move.

473
00:21:16,480 --> 00:21:19,200
Speaker 2: What do you reckon your preferences from us? Okay, yeah,

474
00:21:19,240 --> 00:21:22,000
Speaker 2: so I wanted to move again a little side step

475
00:21:22,200 --> 00:21:26,040
Speaker 2: to talk about maternity and paternity leave. Where does that standard?

476
00:21:26,040 --> 00:21:28,479
Speaker 2: I wanted to shut you down, shut me down. You've

477
00:21:28,480 --> 00:21:29,439
Speaker 2: done it before on the product.

478
00:21:29,520 --> 00:21:31,919
Speaker 1: Yeah, look, I'm really sorry. Like that is well, that

479
00:21:32,080 --> 00:21:35,879
Speaker 1: is a fantastic topic. Like parental leave is massive, But

480
00:21:36,280 --> 00:21:37,520
Speaker 1: I haven't told you yet that we're going to do

481
00:21:37,560 --> 00:21:41,000
Speaker 1: an entire podcast on it very soon because okay, surprise

482
00:21:41,240 --> 00:21:44,879
Speaker 1: for you because we need to write. But for me,

483
00:21:45,040 --> 00:21:48,680
Speaker 1: maternity and paternity leave is a massive thing. That isn't

484
00:21:48,760 --> 00:21:52,320
Speaker 1: just what is government mandated slash, what's in your employment contract.

485
00:21:52,320 --> 00:21:54,800
Speaker 1: It's actually about the planning and working out. You know

486
00:21:54,920 --> 00:21:57,520
Speaker 1: how much does baby cost? So I'm going to cover

487
00:21:57,560 --> 00:22:00,480
Speaker 1: that in an episode that's coming to your very shortly,

488
00:22:00,480 --> 00:22:03,160
Speaker 1: Georgia that you didn't know about. Sorry, cool, can't wait,

489
00:22:03,720 --> 00:22:05,960
Speaker 1: but we'll put that one on us. But yes, maternity

490
00:22:06,000 --> 00:22:07,320
Speaker 1: and paternity leave really important.

491
00:22:07,520 --> 00:22:09,600
Speaker 2: Is that going to be a twenty twenty podcast topic

492
00:22:09,640 --> 00:22:10,040
Speaker 2: to you? Recond?

493
00:22:10,160 --> 00:22:12,680
Speaker 1: Probably? Watch out friends, watch out?

494
00:22:12,760 --> 00:22:15,280
Speaker 2: Yeah, stay tuned for that one. Okay, Well, then are

495
00:22:15,320 --> 00:22:17,280
Speaker 2: there any other forms of leave that I've missed.

496
00:22:17,400 --> 00:22:20,520
Speaker 1: We've got long service leave, so you'll receive around a

497
00:22:20,560 --> 00:22:22,760
Speaker 1: couple of months of paid leave when you've been working

498
00:22:22,760 --> 00:22:24,760
Speaker 1: for a company of a minimum of seven years. That's

499
00:22:24,800 --> 00:22:27,480
Speaker 1: recently changed from ten Georgia, which is kind of cool,

500
00:22:27,680 --> 00:22:30,120
Speaker 1: and employees would then couple that with their usual four

501
00:22:30,119 --> 00:22:32,480
Speaker 1: weeks of manual leave, But the amount does differ depending

502
00:22:32,520 --> 00:22:34,080
Speaker 1: on the state and territory, so you do need to

503
00:22:34,119 --> 00:22:37,120
Speaker 1: look into that because it's literally different everywhere. Then you've

504
00:22:37,119 --> 00:22:40,280
Speaker 1: got compassionate leaf, which is different to care is leave,

505
00:22:40,400 --> 00:22:42,920
Speaker 1: So this is two full days of paid leave for

506
00:22:43,000 --> 00:22:46,760
Speaker 1: permanent staffers, unpaid for casuals. But you can still take

507
00:22:46,800 --> 00:22:49,720
Speaker 1: it for when an employee's close family member passes away

508
00:22:49,840 --> 00:22:52,600
Speaker 1: or is struck by a sudden injury or illness, or

509
00:22:52,680 --> 00:22:55,159
Speaker 1: they kind of just need to be there. Like I

510
00:22:55,280 --> 00:22:58,720
Speaker 1: have had friends take compassionate leave for pets, and I

511
00:22:58,760 --> 00:23:02,119
Speaker 1: think that that is so yeah, absolutely, because for most people,

512
00:23:02,160 --> 00:23:04,359
Speaker 1: they become a part of the family and it's just

513
00:23:04,440 --> 00:23:07,520
Speaker 1: as bad as her family member passing away. So I

514
00:23:07,520 --> 00:23:10,240
Speaker 1: think that that's me giving you permission to be as

515
00:23:10,280 --> 00:23:13,720
Speaker 1: crazy a cat lady as I am. Moving into other

516
00:23:13,760 --> 00:23:16,119
Speaker 1: types of leave, there is community service leaf, which I

517
00:23:16,200 --> 00:23:19,880
Speaker 1: think is so cool. You get unpaid leave for voluntary

518
00:23:19,920 --> 00:23:23,160
Speaker 1: emergency activities, which is kind of cool, and you also

519
00:23:23,160 --> 00:23:25,880
Speaker 1: get up to ten days of paid leaf for jury service.

520
00:23:26,280 --> 00:23:27,680
Speaker 1: After ten days, it's unpaid.

521
00:23:27,840 --> 00:23:29,400
Speaker 2: Have you ever been on a jury yes?

522
00:23:29,880 --> 00:23:33,760
Speaker 1: No? No, yes, no. I I was actually booted. No,

523
00:23:33,800 --> 00:23:37,200
Speaker 1: it's not a secret. I was booted from the jury. Wow,

524
00:23:37,359 --> 00:23:39,720
Speaker 1: I know. So I went to jury duty. This is

525
00:23:39,760 --> 00:23:42,919
Speaker 1: probably like two years ago, and I probably could have

526
00:23:42,920 --> 00:23:45,000
Speaker 1: gotten out of it because I run a business and

527
00:23:45,200 --> 00:23:48,159
Speaker 1: was arguably quite busy, but I actually just felt like

528
00:23:48,200 --> 00:23:50,520
Speaker 1: it would be a really good experience. Went through it all,

529
00:23:50,920 --> 00:23:53,040
Speaker 1: got to the part where they're like walking us into

530
00:23:53,080 --> 00:23:56,600
Speaker 1: the Supreme Court, and then the lawyers kicked me off.

531
00:23:56,720 --> 00:23:58,440
Speaker 2: They just like, I think the murderer.

532
00:23:58,800 --> 00:24:01,159
Speaker 1: No, we didn't even get the full brief on what

533
00:24:01,240 --> 00:24:03,959
Speaker 1: the story was they would like Apparently they're allowed to

534
00:24:04,000 --> 00:24:06,960
Speaker 1: just like pick and choose through the juries. I'm sure

535
00:24:06,960 --> 00:24:08,640
Speaker 1: they can't do that a million times. But they looked

536
00:24:08,640 --> 00:24:11,639
Speaker 1: at me and thought that maybe I wasn't the right fear.

537
00:24:11,680 --> 00:24:13,000
Speaker 2: Interesting depending on the crime.

538
00:24:13,160 --> 00:24:17,320
Speaker 1: Yeah, interesting, I got booted anyway. My partner sidestep on

539
00:24:17,400 --> 00:24:20,760
Speaker 1: jury duty. Guess who got served last week with jury duty?

540
00:24:20,800 --> 00:24:24,359
Speaker 1: Noted Stevie Boy. Stevie Boy. Yep, he is not looking

541
00:24:24,440 --> 00:24:25,119
Speaker 1: for it to it.

542
00:24:25,240 --> 00:24:26,440
Speaker 2: Ah, there you go.

543
00:24:26,800 --> 00:24:29,760
Speaker 1: Yeah, so you'll keep you updating on Steve's jury duty excite.

544
00:24:29,960 --> 00:24:32,520
Speaker 1: Obviously that would not be potent. Yeah. I don't even

545
00:24:32,560 --> 00:24:35,840
Speaker 1: know if we're allowed to talk about the podcast. Next

546
00:24:35,920 --> 00:24:40,119
Speaker 1: leave Okay, so next type of leave is obviously public

547
00:24:40,119 --> 00:24:43,480
Speaker 1: holiday leave. Perman employees get a paid date off, which

548
00:24:43,520 --> 00:24:47,760
Speaker 1: is important to understand because some companies, actually I have heard,

549
00:24:47,960 --> 00:24:51,879
Speaker 1: make you work public holidays so without any benefits, without

550
00:24:51,880 --> 00:24:56,280
Speaker 1: any benefits. So do check your employment contract again. I'm

551
00:24:56,359 --> 00:24:58,680
Speaker 1: going to fall back on this a lot here, because

552
00:24:58,960 --> 00:25:01,800
Speaker 1: in an employment contrac between you and your employer, there

553
00:25:01,840 --> 00:25:04,080
Speaker 1: could be different things that apply to you, that are

554
00:25:04,240 --> 00:25:05,120
Speaker 1: mandated by law.

555
00:25:05,240 --> 00:25:06,480
Speaker 2: Yes, you might get like a day in the lou

556
00:25:06,600 --> 00:25:07,320
Speaker 2: or something like that.

557
00:25:07,400 --> 00:25:10,000
Speaker 1: Yeah, exactly, So I think it's important to understand that.

558
00:25:10,040 --> 00:25:12,320
Speaker 1: And then the last type of leave that I want

559
00:25:12,359 --> 00:25:14,680
Speaker 1: to talk about is family and domestic violence leave, which

560
00:25:14,720 --> 00:25:17,760
Speaker 1: is so important to talk about. It's where an employee

561
00:25:17,760 --> 00:25:20,600
Speaker 1: would receive five days of unpaid for full time and

562
00:25:20,640 --> 00:25:24,160
Speaker 1: part time and casual employees for instance of domestic violence.

563
00:25:24,240 --> 00:25:26,160
Speaker 2: So that's for every kind of that's for.

564
00:25:26,119 --> 00:25:29,080
Speaker 1: Every kind of employment, and I think it's really important

565
00:25:29,080 --> 00:25:32,560
Speaker 1: to understand that that exists. And it's not because you know,

566
00:25:32,680 --> 00:25:34,960
Speaker 1: I'm expecting that you might use it. It's because you

567
00:25:35,040 --> 00:25:36,840
Speaker 1: might know someone who might need to use it and

568
00:25:36,880 --> 00:25:39,480
Speaker 1: be educated on it. And the more we know, my friends,

569
00:25:39,560 --> 00:25:41,440
Speaker 1: the more we can help others. Yeah.

570
00:25:41,480 --> 00:25:44,359
Speaker 2: Wow, there's so many different kinds of leave in Australia.

571
00:25:44,480 --> 00:25:47,119
Speaker 1: Yeah, there absolutely are, and that's why it gets so overwhelming,

572
00:25:47,160 --> 00:25:49,280
Speaker 1: and that's why I thought, let's do an entire podcast

573
00:25:49,320 --> 00:25:49,640
Speaker 1: on them.

574
00:25:49,720 --> 00:25:52,520
Speaker 2: Yeah, I think this will be a long one. You

575
00:25:52,560 --> 00:25:54,480
Speaker 2: did touch on it earlier, V. But what happens to

576
00:25:54,560 --> 00:25:56,720
Speaker 2: your leave if you are a full timer and you're

577
00:25:56,760 --> 00:25:59,240
Speaker 2: leaving that company? But you have like three weeks left

578
00:25:59,359 --> 00:26:01,120
Speaker 2: in leave. Does that get paid out?

579
00:26:01,320 --> 00:26:03,399
Speaker 1: Yes, my friend, it does. And this is where it

580
00:26:03,440 --> 00:26:06,399
Speaker 1: gets really confusing because people don't understand their rights. And

581
00:26:06,400 --> 00:26:09,240
Speaker 1: that's why I wanted to talk about leave specifically. But

582
00:26:09,320 --> 00:26:13,400
Speaker 1: when you leave a company, your employer is legally obligated,

583
00:26:13,480 --> 00:26:16,240
Speaker 1: my friends, to pay out all of your remaining annual

584
00:26:16,280 --> 00:26:18,480
Speaker 1: leave as a part of your final pay. So this

585
00:26:18,600 --> 00:26:21,480
Speaker 1: is the same for any annual leave loadings. It will

586
00:26:21,560 --> 00:26:24,320
Speaker 1: need to be paid out. For anyone who doesn't know

587
00:26:24,359 --> 00:26:27,040
Speaker 1: what that means. Leave loadings means some employees will be

588
00:26:27,080 --> 00:26:30,040
Speaker 1: paid an additional seventeen point five percent of their income

589
00:26:30,240 --> 00:26:32,400
Speaker 1: when they go on annual leave on top of their

590
00:26:32,400 --> 00:26:36,480
Speaker 1: regular pay. Cool right like bonus for going on holiday,

591
00:26:37,040 --> 00:26:40,040
Speaker 1: which is a feature of most modern awards. So again,

592
00:26:40,160 --> 00:26:42,560
Speaker 1: you need to understand your personal circumstance to be able

593
00:26:42,600 --> 00:26:45,480
Speaker 1: to understand this. It's not available for everyone, though, and

594
00:26:45,480 --> 00:26:47,760
Speaker 1: whether you receive it or not is entirely dependent on

595
00:26:47,760 --> 00:26:50,960
Speaker 1: your award rate, enterprise agreement, or your employment contract. So

596
00:26:51,080 --> 00:26:53,800
Speaker 1: check it. My friend's side note, Georgia King, it might

597
00:26:53,840 --> 00:26:56,280
Speaker 1: sound a little bit randed, but leave loading actually started

598
00:26:56,280 --> 00:26:59,000
Speaker 1: because of the labor movement. Into the nineteen seventies to

599
00:26:59,080 --> 00:27:02,120
Speaker 1: compensate those employees who were working in industries we're taking

600
00:27:02,160 --> 00:27:04,399
Speaker 1: leave would actually mean they missed out on opportunity to

601
00:27:04,440 --> 00:27:07,600
Speaker 1: work overtime hours and earn extra income by doing so.

602
00:27:07,600 --> 00:27:09,160
Speaker 1: So that's kind of cool, isn't it fun?

603
00:27:09,240 --> 00:27:12,600
Speaker 2: Fact fine stage, thanks for thanks you for working in Yeah,

604
00:27:12,600 --> 00:27:14,600
Speaker 2: I never knew that was a thing. In terms of

605
00:27:14,600 --> 00:27:17,520
Speaker 2: annual leave. Once again, I seem to be quite tired

606
00:27:17,560 --> 00:27:20,120
Speaker 2: to annually, I guess it's the main, the main.

607
00:27:20,440 --> 00:27:22,800
Speaker 1: We probably should be talking about plants as well, which

608
00:27:22,920 --> 00:27:23,640
Speaker 1: I adore.

609
00:27:23,920 --> 00:27:28,920
Speaker 2: Yeah, hey, who doesn't can workplaces reject your requests for leave?

610
00:27:29,160 --> 00:27:32,120
Speaker 2: I know again when I worked in a big corporation,

611
00:27:32,440 --> 00:27:34,840
Speaker 2: like everyone wanted to go away in summer, so we

612
00:27:34,920 --> 00:27:36,840
Speaker 2: all put in for like two weeks in July and

613
00:27:36,840 --> 00:27:39,200
Speaker 2: they were like, no, no, you can't do that because

614
00:27:39,200 --> 00:27:41,040
Speaker 2: then we don't have a marketing team. What's the go

615
00:27:41,160 --> 00:27:41,359
Speaker 2: with that?

616
00:27:41,480 --> 00:27:41,520
Speaker 3: Is?

617
00:27:41,560 --> 00:27:42,359
Speaker 2: That? Is that allowed?

618
00:27:42,600 --> 00:27:44,800
Speaker 1: You do know that summer in Australia is not July,

619
00:27:46,440 --> 00:27:51,560
Speaker 1: you mean European summer problems, So title yeah cool. Also,

620
00:27:51,680 --> 00:27:53,680
Speaker 1: I just really wanted to point that out because I

621
00:27:53,760 --> 00:27:56,520
Speaker 1: knew what you meant. So yes, it does need to

622
00:27:56,520 --> 00:27:58,840
Speaker 1: be agreed upon between you and your employer. You can't

623
00:27:58,880 --> 00:28:03,479
Speaker 1: just demand to take time off whenever you want. Usually, yeah, sorry,

624
00:28:03,880 --> 00:28:06,000
Speaker 1: Usually there is going to be part of your contract

625
00:28:06,080 --> 00:28:08,400
Speaker 1: when you start working at a new company that outlines

626
00:28:08,440 --> 00:28:11,240
Speaker 1: their protocols when it does come to leave. But the

627
00:28:11,320 --> 00:28:15,280
Speaker 1: Fair Work Act, which Georgia, you actually should be given

628
00:28:15,400 --> 00:28:18,200
Speaker 1: a hard copy of when you start any new job,

629
00:28:18,520 --> 00:28:22,160
Speaker 1: says that an employer must not unreasonably refuse to agree

630
00:28:22,359 --> 00:28:25,720
Speaker 1: to a request by the employee to take their paid

631
00:28:25,760 --> 00:28:28,000
Speaker 1: and you leave. It just needs to work for both

632
00:28:28,040 --> 00:28:30,159
Speaker 1: parties so that the whole team isn't off at the

633
00:28:30,200 --> 00:28:33,479
Speaker 1: same time, or that some employees don't miss crucial moments

634
00:28:33,480 --> 00:28:35,960
Speaker 1: in their company's calendar if they're in an industry where

635
00:28:36,000 --> 00:28:38,600
Speaker 1: certain times of the year are really important. And this

636
00:28:38,800 --> 00:28:42,400
Speaker 1: does happen for me, Georgia. So I obviously don't have

637
00:28:42,560 --> 00:28:44,920
Speaker 1: accounting as a part of my business anymore. But when

638
00:28:44,960 --> 00:28:48,520
Speaker 1: I did, you best believe that June thirty and a

639
00:28:48,560 --> 00:28:52,480
Speaker 1: financial year, was massive. Therefore, we had in our employment

640
00:28:52,560 --> 00:28:55,720
Speaker 1: contracts at that point what we called a blackout period,

641
00:28:56,000 --> 00:28:59,400
Speaker 1: because we were so busy that we genuinely as a

642
00:28:59,400 --> 00:29:02,040
Speaker 1: business could not afford for people to take time off

643
00:29:02,080 --> 00:29:05,040
Speaker 1: in July August, and so we don't have that anymore

644
00:29:05,120 --> 00:29:07,200
Speaker 1: because I don't have any more accounts on my team.

645
00:29:07,680 --> 00:29:11,520
Speaker 1: But it's something that you know understand what your contract

646
00:29:11,600 --> 00:29:14,400
Speaker 1: is before signing it, because you're going to look like

647
00:29:14,440 --> 00:29:16,840
Speaker 1: a silly billy if you go and ask your employer

648
00:29:16,960 --> 00:29:19,160
Speaker 1: for leave during July. If they've got a blackout in

649
00:29:19,200 --> 00:29:21,240
Speaker 1: your contract, you're essentially saying you never read it.

650
00:29:21,400 --> 00:29:24,840
Speaker 2: Yeah, can you contest lines in your contract?

651
00:29:25,240 --> 00:29:27,400
Speaker 1: You can absolutely go back. So I think something that's

652
00:29:27,440 --> 00:29:30,160
Speaker 1: really important is when a contracts put in front of you,

653
00:29:30,480 --> 00:29:34,400
Speaker 1: it's an agreement by both people, and whilst most employers

654
00:29:34,600 --> 00:29:38,200
Speaker 1: are not that flexible on their contracts, it's absolutely worthy

655
00:29:38,200 --> 00:29:41,600
Speaker 1: of a conversation or a negotiation if something doesn't actually

656
00:29:41,640 --> 00:29:43,800
Speaker 1: work for you. So I'm not saying go back and

657
00:29:43,800 --> 00:29:46,080
Speaker 1: be like I don't like the salary, you need to

658
00:29:46,080 --> 00:29:48,680
Speaker 1: pay me double or a well, I don't want to

659
00:29:48,680 --> 00:29:50,640
Speaker 1: work thirty eight hours, I want to work three for

660
00:29:50,720 --> 00:29:54,000
Speaker 1: that entire salary. But if there's something in it that

661
00:29:54,040 --> 00:29:57,120
Speaker 1: you want to flag or chat about, you are well

662
00:29:57,160 --> 00:30:00,360
Speaker 1: within your rights to have those things changed. Really good

663
00:30:00,400 --> 00:30:04,320
Speaker 1: example of that is actually when you start a new job. Right,

664
00:30:04,480 --> 00:30:06,480
Speaker 1: Let's use you as an example, Georgia. You might go

665
00:30:06,520 --> 00:30:08,560
Speaker 1: and start a full time job with someone and they

666
00:30:08,640 --> 00:30:11,360
Speaker 1: might have a non compete, so therefore you might not

667
00:30:11,400 --> 00:30:13,880
Speaker 1: be able to do another job while working for them.

668
00:30:14,080 --> 00:30:16,520
Speaker 1: Therefore you couldn't hang out with me and do the podcast. Right,

669
00:30:16,720 --> 00:30:20,120
Speaker 1: So you have to really understand what that contract means,

670
00:30:20,280 --> 00:30:22,680
Speaker 1: because you might shoot yourself in the foot and end

671
00:30:22,760 --> 00:30:24,360
Speaker 1: up not being able to do something that you really

672
00:30:24,360 --> 00:30:27,080
Speaker 1: wanted to when if you're just negotiated in the first place,

673
00:30:27,120 --> 00:30:27,880
Speaker 1: it would have been fun.

674
00:30:28,000 --> 00:30:30,920
Speaker 2: Yeah, yeap. And those contracts shouldn't be too complicated if

675
00:30:30,960 --> 00:30:32,800
Speaker 2: they're they're for the layman like.

676
00:30:32,920 --> 00:30:35,960
Speaker 1: Yeah, but they are written quite simply. They do look

677
00:30:36,040 --> 00:30:39,000
Speaker 1: like intimidating contracts because they are black and white and

678
00:30:39,040 --> 00:30:41,040
Speaker 1: long and boring. But at the end of the day,

679
00:30:41,280 --> 00:30:44,400
Speaker 1: it should have different areas, and you know that's what

680
00:30:44,400 --> 00:30:47,080
Speaker 1: the She's on the money community is force post your queries,

681
00:30:47,160 --> 00:30:47,720
Speaker 1: my little friends.

682
00:30:47,760 --> 00:30:50,160
Speaker 2: You're right will approve them now. But I also wanted

683
00:30:50,160 --> 00:30:52,880
Speaker 2: to ask you about companies determining when you can take

684
00:30:53,040 --> 00:30:55,040
Speaker 2: your leave, which is kind of what we just touched on.

685
00:30:55,160 --> 00:30:57,840
Speaker 2: But I know again, when I worked in that corporation,

686
00:30:58,240 --> 00:31:02,240
Speaker 2: they mandated a two week shutdown over the Christmas period,

687
00:31:02,320 --> 00:31:03,640
Speaker 2: so that's allowed.

688
00:31:03,880 --> 00:31:06,600
Speaker 1: Yeah, So under the farewere active two thousand and nine,

689
00:31:06,640 --> 00:31:09,240
Speaker 1: any employer can make their employees take annual leave for

690
00:31:09,320 --> 00:31:12,440
Speaker 1: a period of any shutdown over Christmas. So the act

691
00:31:12,520 --> 00:31:15,000
Speaker 1: does make it pretty clear that employees must have the

692
00:31:15,080 --> 00:31:17,720
Speaker 1: leave accumulated, So if your boss has been asking you

693
00:31:17,760 --> 00:31:20,440
Speaker 1: to take unpaid leave, they do actually require your consent

694
00:31:20,520 --> 00:31:24,080
Speaker 1: to do that. Sometimes employees actually allow their employees paid

695
00:31:24,160 --> 00:31:26,360
Speaker 1: leave before they've actually accrued it as well, so they

696
00:31:26,480 --> 00:31:29,040
Speaker 1: kind of like bank it and get it in advance

697
00:31:29,080 --> 00:31:31,640
Speaker 1: so you're not out of pocket, and then the employer

698
00:31:31,680 --> 00:31:34,120
Speaker 1: won't be allowed any additional leave until they're accrued enough

699
00:31:34,160 --> 00:31:36,440
Speaker 1: to kind of like pay back what they're owed, if

700
00:31:36,440 --> 00:31:38,240
Speaker 1: that makes sense, which I think is kind of cool

701
00:31:38,280 --> 00:31:40,840
Speaker 1: because it means that the business can still function. But

702
00:31:40,880 --> 00:31:42,840
Speaker 1: if you don't have any leave and it's a forced

703
00:31:42,920 --> 00:31:45,720
Speaker 1: leave period, you're not, you know, financially stuck.

704
00:31:45,840 --> 00:31:49,800
Speaker 2: Yeah, yeah, perfect. Let's talk about freelancers. I know, obviously

705
00:31:49,800 --> 00:31:52,520
Speaker 2: we have a lot of side hustlers in our community

706
00:31:52,560 --> 00:31:55,080
Speaker 2: who will be wondering if they should be receiving any

707
00:31:55,120 --> 00:31:55,880
Speaker 2: of these perks.

708
00:31:56,040 --> 00:31:57,960
Speaker 1: What's the go this is a little bit of us

709
00:31:58,120 --> 00:32:00,480
Speaker 1: sticky one. It's a little bit interesting, and I know

710
00:32:00,560 --> 00:32:03,080
Speaker 1: that we have so many freelancing kings and queens in

711
00:32:03,120 --> 00:32:05,800
Speaker 1: our community, so I hope your ears are pricking up

712
00:32:05,800 --> 00:32:08,680
Speaker 1: at this question, but sorry. Short answer is no, you

713
00:32:08,760 --> 00:32:11,160
Speaker 1: don't actually receive any of those perks that come with

714
00:32:11,240 --> 00:32:14,400
Speaker 1: working in a company. When you're a freelancer, you're essentially

715
00:32:14,440 --> 00:32:16,920
Speaker 1: your own little company. So you invoice the business you

716
00:32:16,960 --> 00:32:18,959
Speaker 1: are working for, and then it's up to you how

717
00:32:19,000 --> 00:32:21,160
Speaker 1: to pay yourself super and pay your taxes and give

718
00:32:21,200 --> 00:32:23,960
Speaker 1: yourself leave. And it is super important when working out

719
00:32:24,000 --> 00:32:27,120
Speaker 1: what your rates are as a freelancer that you actually

720
00:32:27,160 --> 00:32:30,360
Speaker 1: take that into consideration. So it's important that you actually

721
00:32:30,400 --> 00:32:32,600
Speaker 1: build that into your fee, be that hourly rates or

722
00:32:32,600 --> 00:32:35,520
Speaker 1: projects rates, et cetera, et cetera are But obviously a

723
00:32:35,560 --> 00:32:37,479
Speaker 1: perk of being a freelancer is that you actually get

724
00:32:37,520 --> 00:32:39,200
Speaker 1: at a germine the hours that you do work and

725
00:32:39,240 --> 00:32:41,080
Speaker 1: where you work them and who you work them for.

726
00:32:41,360 --> 00:32:43,920
Speaker 1: But it does mean a little more, though, and a

727
00:32:43,920 --> 00:32:46,080
Speaker 1: little bit of bookkeeping is going to go a long way.

728
00:32:46,120 --> 00:32:48,760
Speaker 1: I promise you to make sure that you are actually

729
00:32:48,760 --> 00:32:51,240
Speaker 1: making enough to make being a freelancer justifiable.

730
00:32:51,400 --> 00:32:53,800
Speaker 2: Any hot tips for freelancers out there that are just like,

731
00:32:54,000 --> 00:32:56,120
Speaker 2: I want to make money, but I don't know how.

732
00:32:56,720 --> 00:32:59,440
Speaker 2: Like from Vicky Day herself, in terms of running a

733
00:32:59,560 --> 00:33:01,160
Speaker 2: small bit business of one.

734
00:33:01,120 --> 00:33:05,520
Speaker 1: Confidence is key my friends. Absolutely embrace confidence and remember

735
00:33:05,600 --> 00:33:07,160
Speaker 1: that you have a lot of skills to bring to

736
00:33:07,200 --> 00:33:11,160
Speaker 1: the table and that there is always someone that is

737
00:33:11,200 --> 00:33:13,120
Speaker 1: going to need those skills. So I think it's about

738
00:33:13,120 --> 00:33:15,840
Speaker 1: working out what you're good at, and I don't know,

739
00:33:15,920 --> 00:33:18,640
Speaker 1: I think there's something about understanding that you don't have

740
00:33:18,720 --> 00:33:20,360
Speaker 1: to have the biggest business in the world for it

741
00:33:20,440 --> 00:33:22,760
Speaker 1: to be a productive business that contributes to you having

742
00:33:22,800 --> 00:33:25,680
Speaker 1: a better lifestyle. So many people talk to me, they're like,

743
00:33:25,720 --> 00:33:28,120
Speaker 1: oh my gosh, Victoria, I don't have enough to invest,

744
00:33:28,200 --> 00:33:31,000
Speaker 1: And it's like, well, I get that. You know, lots

745
00:33:31,040 --> 00:33:33,560
Speaker 1: of us are under financial pressure. But if you are

746
00:33:33,680 --> 00:33:36,479
Speaker 1: so desperate to invest and you're so excited about it,

747
00:33:36,720 --> 00:33:39,160
Speaker 1: you're going to find a way to make five hundred

748
00:33:39,200 --> 00:33:41,880
Speaker 1: dollars extra a month in income so that you can

749
00:33:41,960 --> 00:33:44,360
Speaker 1: do something that's super in line with your goals and values.

750
00:33:44,440 --> 00:33:46,680
Speaker 1: If that means taking on more hours at work or

751
00:33:47,000 --> 00:33:51,160
Speaker 1: doing flat pack ikea construction or pet sitting or you know,

752
00:33:51,440 --> 00:33:54,840
Speaker 1: doing even small jobs or surveys online like heaps of

753
00:33:54,880 --> 00:33:57,640
Speaker 1: our community are side hustlers and I love them for it.

754
00:33:58,440 --> 00:34:00,720
Speaker 2: I thought you'd also add in their V the classic

755
00:34:00,840 --> 00:34:06,040
Speaker 2: Victoria Devine slogan fake rich, real poor Later no one sorry,

756
00:34:06,360 --> 00:34:09,680
Speaker 2: wildly passionate. No, not that one either, God, what is it?

757
00:34:09,719 --> 00:34:10,440
Speaker 2: I've lost it?

758
00:34:10,960 --> 00:34:11,680
Speaker 1: Know your worth?

759
00:34:11,840 --> 00:34:12,760
Speaker 2: And then ad tacks.

760
00:34:13,040 --> 00:34:15,640
Speaker 1: I do like that. I thought that was pretty good.

761
00:34:16,080 --> 00:34:18,120
Speaker 1: That's been flying around the internet for some years now.

762
00:34:18,160 --> 00:34:20,440
Speaker 1: I actually thought you were going to say bougie because

763
00:34:20,560 --> 00:34:21,319
Speaker 1: I say that a lot.

764
00:34:21,800 --> 00:34:25,959
Speaker 2: You've got a lot of catchphrases. I'm sorry, I feel

765
00:34:26,000 --> 00:34:28,399
Speaker 2: like we are, but we're podcaster, so we get called

766
00:34:28,440 --> 00:34:32,040
Speaker 2: out for it. You're right, all right, guys, Okay, Well,

767
00:34:32,040 --> 00:34:34,759
Speaker 2: there's been a lot to take in this episode. We've

768
00:34:34,760 --> 00:34:36,600
Speaker 2: spoken about a lot of numbers, a lot of different

769
00:34:36,600 --> 00:34:38,720
Speaker 2: types of leads. So hopefully you guys are taking notes.

770
00:34:38,960 --> 00:34:41,840
Speaker 2: You can go back listen again. We will definitely respect

771
00:34:41,920 --> 00:34:44,240
Speaker 2: that decision. But V, was there anything else you wanted

772
00:34:44,280 --> 00:34:47,120
Speaker 2: to add before we scoot across to today's listener question? Yeah.

773
00:34:47,120 --> 00:34:49,239
Speaker 1: Absolutely. I'd like to apologize to all the people that

774
00:34:49,680 --> 00:34:51,400
Speaker 1: thought that when we were talking about leaves. We're going

775
00:34:51,440 --> 00:34:54,160
Speaker 1: to talk about plants. I too love plants, and for

776
00:34:54,239 --> 00:34:56,839
Speaker 1: those fellow plant lovers out there, I have recently become

777
00:34:56,840 --> 00:35:00,560
Speaker 1: the parent of a thaie consolation monster. So if you

778
00:35:00,560 --> 00:35:02,200
Speaker 1: know what I'm talking about, you know what I'm talking

779
00:35:02,239 --> 00:35:04,680
Speaker 1: I don't know what you're talking about. But no, plants

780
00:35:04,680 --> 00:35:07,120
Speaker 1: are expensive, so maybe that could be a topic. No,

781
00:35:07,280 --> 00:35:09,239
Speaker 1: we're not. We're not having a plant like it would

782
00:35:09,239 --> 00:35:11,680
Speaker 1: be my dream come true. But like as the proud

783
00:35:11,719 --> 00:35:16,120
Speaker 1: parent of a tie consolation monsterra I have absolutely no intention. No,

784
00:35:16,400 --> 00:35:18,200
Speaker 1: I have no intention of sharing how much I paid

785
00:35:18,200 --> 00:35:20,600
Speaker 1: for that leaf, all right. But the other thing I

786
00:35:20,640 --> 00:35:23,320
Speaker 1: wanted to add to just like round out the whole chat,

787
00:35:23,560 --> 00:35:26,480
Speaker 1: was that obviously COVID has thrown so many of our

788
00:35:26,520 --> 00:35:29,439
Speaker 1: employment statuses out of whack, and some of us who

789
00:35:29,480 --> 00:35:31,759
Speaker 1: were formally full time and our part time and some

790
00:35:31,800 --> 00:35:33,640
Speaker 1: have taken pay cuts, and some of you have lost

791
00:35:33,640 --> 00:35:35,759
Speaker 1: your jobs completely. So if you want to know more

792
00:35:35,840 --> 00:35:37,960
Speaker 1: about your rights and more about the laws when it

793
00:35:38,000 --> 00:35:40,719
Speaker 1: does come to COVID and the workplace, I really really

794
00:35:40,800 --> 00:35:42,160
Speaker 1: encourage you to go and have a bit of a

795
00:35:42,200 --> 00:35:45,360
Speaker 1: read of the Australian Government's Fair Work website, which We

796
00:35:45,400 --> 00:35:47,160
Speaker 1: are going to link in the show notes as it

797
00:35:47,239 --> 00:35:49,960
Speaker 1: is super useful and super easy to understand.

798
00:35:50,360 --> 00:35:51,919
Speaker 2: Beautiful listener question time.

799
00:35:52,840 --> 00:35:55,160
Speaker 4: I work full time, and this year our team was

800
00:35:55,160 --> 00:35:57,960
Speaker 4: reduced by about sixty percent, yet we're still managing the

801
00:35:58,000 --> 00:36:01,600
Speaker 4: same workload. Obviously, I'm grateful to be employed, and I

802
00:36:01,640 --> 00:36:03,799
Speaker 4: know I'm in a very privileged position, but I feel

803
00:36:03,800 --> 00:36:06,400
Speaker 4: burnt out. I need a break. The problem is my

804
00:36:06,440 --> 00:36:09,080
Speaker 4: boss is extremely highly strung and is hard to approach

805
00:36:09,080 --> 00:36:11,600
Speaker 4: about these kind of things. She's under a lot of pressure,

806
00:36:11,640 --> 00:36:13,640
Speaker 4: I know, and she has said no to some of

807
00:36:13,680 --> 00:36:16,800
Speaker 4: my colleagues's requests for leave recently because we've been so busy.

808
00:36:17,320 --> 00:36:19,680
Speaker 4: My question is how do I approach this. I know

809
00:36:19,800 --> 00:36:21,719
Speaker 4: I deserve a break, but I also know how lucky

810
00:36:21,800 --> 00:36:23,319
Speaker 4: I am to have a job, and I don't want

811
00:36:23,360 --> 00:36:25,359
Speaker 4: to get in a bad books for asking for time off.

812
00:36:25,600 --> 00:36:30,040
Speaker 2: Thanks for your help, Oh fee horrible bosses, Where on

813
00:36:30,080 --> 00:36:31,560
Speaker 2: earth does this listener start?

814
00:36:32,000 --> 00:36:35,520
Speaker 1: Look? That seems arguably more dramatic than I had expected

815
00:36:35,680 --> 00:36:37,520
Speaker 1: you to feel after listening to that. But I think

816
00:36:37,520 --> 00:36:40,719
Speaker 1: it's a massive issue, right Like this is going to

817
00:36:40,719 --> 00:36:43,080
Speaker 1: be something that so many of us have gone through.

818
00:36:43,200 --> 00:36:47,440
Speaker 1: I'm assuming because so many people have been cut during COVID,

819
00:36:47,600 --> 00:36:50,279
Speaker 1: therefore the workload has been put on others. But I

820
00:36:50,280 --> 00:36:53,480
Speaker 1: think my advice here is literally take leave if you

821
00:36:53,640 --> 00:36:58,000
Speaker 1: need leave. Burnout is arguably going to be even worse

822
00:36:58,320 --> 00:37:00,640
Speaker 1: than you taking a mental health day, which is exactly

823
00:37:00,640 --> 00:37:02,560
Speaker 1: what it sounds like. You need. You need a mental

824
00:37:02,600 --> 00:37:04,680
Speaker 1: health day, you need a few mental health days. I

825
00:37:04,719 --> 00:37:07,440
Speaker 1: think that you need to just ask, and if your

826
00:37:07,440 --> 00:37:10,480
Speaker 1: boss is highly strung, as she explained, I think it

827
00:37:10,520 --> 00:37:14,080
Speaker 1: would be just around talking about how busy you've been lately,

828
00:37:14,160 --> 00:37:16,919
Speaker 1: what you've been contributing, and the fact that you want

829
00:37:16,960 --> 00:37:19,880
Speaker 1: to continue to contribute, and just reminding them of that.

830
00:37:20,160 --> 00:37:22,759
Speaker 1: Albeit you should never have to do that. Like, as

831
00:37:22,760 --> 00:37:25,640
Speaker 1: someone who does employ people, I would be horrified if

832
00:37:25,640 --> 00:37:28,120
Speaker 1: someone had to come to me and say, hey, Victoria,

833
00:37:28,239 --> 00:37:30,640
Speaker 1: I need to take leave for all of these reasons

834
00:37:30,680 --> 00:37:33,600
Speaker 1: and really justify it. And Georgie, you would know. I'm

835
00:37:33,640 --> 00:37:35,719
Speaker 1: the first person that is like a cool you need

836
00:37:35,760 --> 00:37:37,800
Speaker 1: some time off, no problems, take it like, I don't

837
00:37:37,800 --> 00:37:40,799
Speaker 1: even ask because it is literally not my business. But

838
00:37:41,040 --> 00:37:43,160
Speaker 1: not all bosses are like that, So I think it's

839
00:37:43,200 --> 00:37:45,319
Speaker 1: really important that if you do need to ask for leave,

840
00:37:46,080 --> 00:37:48,600
Speaker 1: maybe frame it so that you're stroking your boss's ego

841
00:37:48,640 --> 00:37:50,200
Speaker 1: at the same time, even though you shouldn't have to

842
00:37:50,200 --> 00:37:52,520
Speaker 1: do that. Likes that really bad advice. No, I don't

843
00:37:52,520 --> 00:37:54,720
Speaker 1: know through all advice. I think it's just more around

844
00:37:54,760 --> 00:37:56,719
Speaker 1: just saying you need to take some time off because

845
00:37:56,760 --> 00:37:58,839
Speaker 1: you feel like you're approaching burnout and you really want

846
00:37:58,880 --> 00:38:01,200
Speaker 1: to still be able to contribute and you know, hold

847
00:38:01,200 --> 00:38:03,160
Speaker 1: the team up, et cetera. So I do feel like

848
00:38:03,160 --> 00:38:05,440
Speaker 1: this is terrible advice for me, But I also know

849
00:38:06,040 --> 00:38:09,640
Speaker 1: that sometimes there's no real diplomatic way around it, like

850
00:38:09,680 --> 00:38:12,520
Speaker 1: some people just have bosses that are really hard to

851
00:38:12,560 --> 00:38:15,440
Speaker 1: deal with. I'd argue that maybe you need to reconsider

852
00:38:15,560 --> 00:38:18,440
Speaker 1: who you work for what you do, but that's probably

853
00:38:18,520 --> 00:38:19,920
Speaker 1: a conversation for another day.

854
00:38:20,080 --> 00:38:23,040
Speaker 2: Yeah. So she said that her boss rejected a couple

855
00:38:23,120 --> 00:38:26,279
Speaker 2: of her colleagues requests for leave, But I feel like

856
00:38:26,320 --> 00:38:28,719
Speaker 2: that sounds dodgy like surely. I mean, depending on where

857
00:38:28,760 --> 00:38:31,360
Speaker 2: she works, hopefully there would be an HR department that

858
00:38:31,400 --> 00:38:33,719
Speaker 2: she could go to. If she does have that conversation

859
00:38:33,760 --> 00:38:35,440
Speaker 2: and it doesn't go well, or if there is no

860
00:38:35,680 --> 00:38:39,680
Speaker 2: HR department, then perhaps the fair Work and Budsman could

861
00:38:39,800 --> 00:38:41,759
Speaker 2: provide answers. I don't know what does she do there for?

862
00:38:42,120 --> 00:38:42,319
Speaker 3: Yeah?

863
00:38:42,360 --> 00:38:44,680
Speaker 1: Absolutely, And I think that that's where you really need

864
00:38:44,719 --> 00:38:48,400
Speaker 1: to understand your rights and even just ask your boss

865
00:38:48,440 --> 00:38:51,040
Speaker 1: why they've been rejected. If you are really busy and

866
00:38:51,080 --> 00:38:53,279
Speaker 1: your colleague has said, ah, I really want to go

867
00:38:53,320 --> 00:38:56,160
Speaker 1: on a holiday, like your boss is well within her

868
00:38:56,280 --> 00:38:59,120
Speaker 1: rights or their rights. I've assumed to their female. Let's

869
00:38:59,120 --> 00:39:02,120
Speaker 1: start assuming that all. Let's start assuming that all bosses

870
00:39:02,120 --> 00:39:05,799
Speaker 1: and CEOs are female. Let's make that movement. But I

871
00:39:05,840 --> 00:39:08,000
Speaker 1: don't know why we assumed that. That's kind of cool.

872
00:39:08,200 --> 00:39:10,080
Speaker 2: But she's a bad boss, so maybe it's not cool.

873
00:39:10,360 --> 00:39:14,520
Speaker 1: Oh my god, what have we done? What have we done? Georgia? Okay,

874
00:39:14,640 --> 00:39:16,800
Speaker 1: back to what we're talking about. I think it's about

875
00:39:16,880 --> 00:39:19,440
Speaker 1: understanding why, because if you've said I really need to

876
00:39:19,440 --> 00:39:21,560
Speaker 1: go on holiday, but your boss has said I'm really busy,

877
00:39:21,600 --> 00:39:23,600
Speaker 1: and if you leave my business, my business is not

878
00:39:23,640 --> 00:39:26,319
Speaker 1: going to be profitable and I can't pay you. That's

879
00:39:26,320 --> 00:39:29,919
Speaker 1: a very different story than someone approaching and saying, hey,

880
00:39:30,080 --> 00:39:32,120
Speaker 1: I need a few days off. I'm gonna burn out.

881
00:39:32,320 --> 00:39:35,160
Speaker 1: I think honesty is the best policy in these situations.

882
00:39:35,360 --> 00:39:37,760
Speaker 1: And if the leave was rejected because they just wanted

883
00:39:37,760 --> 00:39:40,640
Speaker 1: a holiday and your boss genuinely couldn't afford you to

884
00:39:40,680 --> 00:39:43,000
Speaker 1: take that time off because it would be so detrimental

885
00:39:43,040 --> 00:39:46,360
Speaker 1: to the business, then that makes sense, and your employer

886
00:39:46,520 --> 00:39:49,080
Speaker 1: is actually well within their rights to reject it based

887
00:39:49,120 --> 00:39:52,719
Speaker 1: on that. Obviously they can't consistently use that excuse, But

888
00:39:52,880 --> 00:39:55,560
Speaker 1: I would genuinely just have a conversation with my boss

889
00:39:55,600 --> 00:39:59,080
Speaker 1: and just approach it as as pragmatically as possible, just

890
00:39:59,160 --> 00:40:01,279
Speaker 1: it is what it is going to need some days

891
00:40:01,280 --> 00:40:04,000
Speaker 1: off for this. Maybe work with them and say when

892
00:40:04,040 --> 00:40:05,600
Speaker 1: would be the best time for me to take this

893
00:40:05,680 --> 00:40:08,320
Speaker 1: off in the next month or the next few weeks.

894
00:40:08,360 --> 00:40:11,000
Speaker 1: How does this work? How can we make this work?

895
00:40:11,200 --> 00:40:13,919
Speaker 1: And I'm sure that your boss would hopefully be super

896
00:40:14,080 --> 00:40:16,920
Speaker 1: understanding of that, because it is very different to asking

897
00:40:16,960 --> 00:40:17,319
Speaker 1: to go on.

898
00:40:17,320 --> 00:40:19,680
Speaker 2: A holiday tomorrow as well, like if you're as you

899
00:40:19,760 --> 00:40:20,480
Speaker 2: are planning for.

900
00:40:20,480 --> 00:40:24,000
Speaker 1: It absolutely, especially when everybody is under so much pressure

901
00:40:24,080 --> 00:40:27,239
Speaker 1: like COVID has sent our world into an absolute spin

902
00:40:27,560 --> 00:40:30,480
Speaker 1: and it is overwhelming for owners of businesses as well

903
00:40:30,520 --> 00:40:32,840
Speaker 1: as employees as well as people who have you know,

904
00:40:33,000 --> 00:40:36,759
Speaker 1: completely suffered horribly from this. But I think it's really

905
00:40:36,760 --> 00:40:39,200
Speaker 1: important to understand that you know your boss is probably

906
00:40:39,200 --> 00:40:41,640
Speaker 1: feeling a little bit stressed as well, so maybe just

907
00:40:41,680 --> 00:40:44,160
Speaker 1: needs you to approach it in a different way. Empathy

908
00:40:44,280 --> 00:40:45,480
Speaker 1: is key here, my friends.

909
00:40:49,640 --> 00:40:52,480
Speaker 3: Hi, I'm twenty two and soon to graduate, and this

910
00:40:52,560 --> 00:40:53,560
Speaker 3: is my money diary.

911
00:40:53,920 --> 00:40:56,480
Speaker 2: Now let's take a sneak peek into the financial lives

912
00:40:56,480 --> 00:40:59,120
Speaker 2: of perfect strangers. It's time for money diaries.

913
00:40:59,480 --> 00:41:02,880
Speaker 3: Getting to towards this time of the year. My dad

914
00:41:02,920 --> 00:41:05,680
Speaker 3: owns a farm, so we all head out and help

915
00:41:05,760 --> 00:41:08,799
Speaker 3: him on that. We've been able to give him a

916
00:41:08,840 --> 00:41:10,920
Speaker 3: little bit of money every year and he'll put that

917
00:41:11,040 --> 00:41:15,920
Speaker 3: into crops or sheep or lambs or anything like that,

918
00:41:16,000 --> 00:41:18,400
Speaker 3: and then we sort of earn the profit off that.

919
00:41:19,040 --> 00:41:23,360
Speaker 3: I never looked at what Dad did as investing and saving.

920
00:41:23,960 --> 00:41:26,360
Speaker 3: It was only that when Dad told me about a

921
00:41:26,400 --> 00:41:30,840
Speaker 3: friend that he had who his father put two dollars,

922
00:41:31,000 --> 00:41:33,960
Speaker 3: for example, into Commonwealth Bank shares when he was born,

923
00:41:34,640 --> 00:41:38,520
Speaker 3: and then this friend apparently makes a ridiculous amount off

924
00:41:38,600 --> 00:41:41,359
Speaker 3: dividends from that. And when he told me that, I

925
00:41:41,400 --> 00:41:44,359
Speaker 3: was like, Oh, that is awesome. I can't believe that

926
00:41:44,400 --> 00:41:48,800
Speaker 3: you can do that. So that's why I started saving

927
00:41:49,200 --> 00:41:51,319
Speaker 3: as much as I do, because I'm really into that

928
00:41:51,520 --> 00:41:53,600
Speaker 3: lifestyle that your money can work for you.

929
00:41:53,719 --> 00:41:56,160
Speaker 2: I suppose what does she do to earn money, how

930
00:41:56,200 --> 00:41:58,520
Speaker 2: much does she earn, and how much is sitting in

931
00:41:58,560 --> 00:41:59,960
Speaker 2: her bank account right now?

932
00:42:00,200 --> 00:42:04,640
Speaker 3: I am a student studying nursing and I currently work

933
00:42:04,880 --> 00:42:09,520
Speaker 3: across three different health care facilities as a personal care assistant.

934
00:42:09,800 --> 00:42:14,120
Speaker 3: I earn a round about eighteen to twenty thousand dollars

935
00:42:14,160 --> 00:42:17,760
Speaker 3: a year with that one. Once I graduate in twenty

936
00:42:17,800 --> 00:42:21,080
Speaker 3: twenty one, I've got a graduate year at a small

937
00:42:21,160 --> 00:42:25,480
Speaker 3: regional hospital where I hope to earn between fifty to

938
00:42:25,600 --> 00:42:31,239
Speaker 3: sixty thousand a year. I have twenty one thousand, six

939
00:42:31,360 --> 00:42:34,799
Speaker 3: hundred in a house deposit savings account, and then I

940
00:42:34,920 --> 00:42:38,239
Speaker 3: have usually a round about five thousand dollars in an

941
00:42:38,280 --> 00:42:41,359
Speaker 3: emergency account, so that sort of fluctuates if I need

942
00:42:41,400 --> 00:42:44,720
Speaker 3: to take anything out or can add some more in sometimes.

943
00:42:45,000 --> 00:42:49,000
Speaker 3: And then I have a holiday savings account and just

944
00:42:49,080 --> 00:42:52,759
Speaker 3: a savings account for things for save I break my

945
00:42:52,880 --> 00:42:55,719
Speaker 3: phone that I can save and buy another phone or

946
00:42:55,760 --> 00:42:59,240
Speaker 3: something like that. I've sort of said to myself, Look,

947
00:42:59,560 --> 00:43:02,760
Speaker 3: I know that I can live off eighteen thousand dollars

948
00:43:02,960 --> 00:43:06,759
Speaker 3: sort of thing. So if I, like you always talk

949
00:43:06,800 --> 00:43:10,040
Speaker 3: about lifestyle creep, I'm just like I've got to try

950
00:43:10,239 --> 00:43:13,160
Speaker 3: not to do it, because you know, I might all

951
00:43:13,200 --> 00:43:16,360
Speaker 3: of a sudden be making all this money compared to

952
00:43:16,360 --> 00:43:19,000
Speaker 3: what I usually make, and I'll just go out and

953
00:43:19,080 --> 00:43:23,360
Speaker 3: splurge on silly things. So it's just more so trying

954
00:43:23,400 --> 00:43:25,600
Speaker 3: to stick to what I do now so that I

955
00:43:25,640 --> 00:43:29,080
Speaker 3: don't overspend, because I sort of want to buy a

956
00:43:29,160 --> 00:43:33,879
Speaker 3: house in the next two to three years if I can,

957
00:43:34,160 --> 00:43:37,440
Speaker 3: so I'd have to stick to how I'm sort of

958
00:43:37,520 --> 00:43:39,239
Speaker 3: going now to be able to do that.

959
00:43:39,360 --> 00:43:42,200
Speaker 2: What is her attitude towards investing? Does she invest?

960
00:43:42,360 --> 00:43:46,200
Speaker 3: I do invest? So I invested at the start of

961
00:43:46,280 --> 00:43:48,960
Speaker 3: this year once I got the guts up to do

962
00:43:48,960 --> 00:43:52,920
Speaker 3: it because I'm so nervous. I put five thousand dollars

963
00:43:53,040 --> 00:43:58,000
Speaker 3: around about into a share portfolio, and then I also

964
00:43:58,160 --> 00:44:02,320
Speaker 3: do raise invest and when it gets to a certain amount,

965
00:44:02,320 --> 00:44:04,840
Speaker 3: then I'll pull that out and pop it into my

966
00:44:05,280 --> 00:44:11,160
Speaker 3: larger portfolio. I tried to diversify that portfolio too, so

967
00:44:11,200 --> 00:44:12,440
Speaker 3: we'll see how that goes.

968
00:44:12,920 --> 00:44:14,880
Speaker 2: What happens to the money once it hits her account.

969
00:44:15,120 --> 00:44:19,319
Speaker 3: I put only twenty dollars into my stock account so

970
00:44:19,360 --> 00:44:22,080
Speaker 3: that when it builds up as well as raise, then

971
00:44:22,400 --> 00:44:26,880
Speaker 3: eventually I can start reinvesting. Then I put fifty dollars

972
00:44:26,960 --> 00:44:31,880
Speaker 3: into the five thousand dollars emergency fund. I do fifty

973
00:44:31,920 --> 00:44:37,160
Speaker 3: dollars to my super account just because it's been so

974
00:44:38,000 --> 00:44:41,359
Speaker 3: slow growing as a UNI student, so I'm trying to

975
00:44:41,440 --> 00:44:44,600
Speaker 3: contribute more to it. And then I put ninety dollars

976
00:44:44,680 --> 00:44:48,959
Speaker 3: to that holiday saving account, and then whatever's left over,

977
00:44:49,280 --> 00:44:51,520
Speaker 3: I sort of go, oh, well, I'll have that, and

978
00:44:51,600 --> 00:44:54,680
Speaker 3: put half of it into the house deposit account.

979
00:44:54,800 --> 00:44:56,439
Speaker 2: What is her best money habit.

980
00:44:56,640 --> 00:45:01,799
Speaker 3: I'm a meticulous planner, so it's really helped actually a

981
00:45:01,840 --> 00:45:05,640
Speaker 3: few times, because going on holidays is sort of like

982
00:45:05,719 --> 00:45:09,000
Speaker 3: a value for me because I love the experience. So

983
00:45:09,120 --> 00:45:15,000
Speaker 3: I've planned really far in advance to go on certain holidays.

984
00:45:15,080 --> 00:45:19,279
Speaker 3: And for example, like I booked Airbnb. It might have

985
00:45:19,360 --> 00:45:23,000
Speaker 3: been two years in advance. I don't know how it worked,

986
00:45:23,040 --> 00:45:26,480
Speaker 3: but because he hadn't set his prices that far in

987
00:45:26,520 --> 00:45:30,319
Speaker 3: the future, he said that it automatically reset to the

988
00:45:30,400 --> 00:45:34,520
Speaker 3: lowest cost of all the airbnbs in Queenstown or in

989
00:45:34,520 --> 00:45:37,000
Speaker 3: New Zealand or something like that. So he booked this

990
00:45:37,200 --> 00:45:43,320
Speaker 3: amazing apartment style Airbnb for a quarter of the price.

991
00:45:43,520 --> 00:45:44,840
Speaker 3: It was so good.

992
00:45:45,320 --> 00:45:47,000
Speaker 2: And what's her worst money habit.

993
00:45:47,120 --> 00:45:49,239
Speaker 3: It would either be that I spend too much on

994
00:45:49,360 --> 00:45:54,360
Speaker 3: food at the supermarket, or it would be that, although

995
00:45:54,680 --> 00:45:58,279
Speaker 3: I don't really spend that much on myself, once or

996
00:45:58,320 --> 00:46:00,680
Speaker 3: twice a year, I'll just love rowed up in my

997
00:46:01,000 --> 00:46:04,040
Speaker 3: Iconic account or a SOSS account and buy a little

998
00:46:04,080 --> 00:46:04,920
Speaker 3: bit too much.

999
00:46:05,880 --> 00:46:07,399
Speaker 2: What is her big money goal?

1000
00:46:07,600 --> 00:46:11,240
Speaker 3: My big money goal is to buy property.

1001
00:46:11,520 --> 00:46:13,799
Speaker 2: And what grade would she give her money habits?

1002
00:46:13,960 --> 00:46:18,880
Speaker 3: I would give myself a bee only because I do

1003
00:46:19,160 --> 00:46:22,640
Speaker 3: need to spend more time sitting down and going through

1004
00:46:22,760 --> 00:46:25,759
Speaker 3: and planning out a more set in stone budget, and

1005
00:46:25,840 --> 00:46:27,839
Speaker 3: that will calm I suppose when I get a more

1006
00:46:28,000 --> 00:46:30,399
Speaker 3: consistent income, because it's a bit hard to do it.

1007
00:46:30,360 --> 00:46:35,879
Speaker 2: Now twenty two and soon to graduate VD. What did

1008
00:46:35,880 --> 00:46:36,160
Speaker 2: you think?

1009
00:46:36,200 --> 00:46:39,160
Speaker 1: I really liked that because it actually reminded me of

1010
00:46:39,200 --> 00:46:40,200
Speaker 1: my mom. Is that bad?

1011
00:46:40,239 --> 00:46:40,399
Speaker 2: Oh?

1012
00:46:40,640 --> 00:46:43,120
Speaker 1: So my mom grew up with a farming family and

1013
00:46:43,200 --> 00:46:46,080
Speaker 1: she used to invest in sheep and invest in really yeah,

1014
00:46:46,120 --> 00:46:48,240
Speaker 1: And I think that's something that a lot of farming

1015
00:46:48,280 --> 00:46:51,839
Speaker 1: families don't understand, is that's an investment. Like my mom

1016
00:46:52,040 --> 00:46:56,040
Speaker 1: grew up on a farm that farmed poppies, and so

1017
00:46:56,160 --> 00:46:59,360
Speaker 1: if they looked after that farm and you know he

1018
00:46:59,360 --> 00:47:01,520
Speaker 1: helped nurture and tend to it. They would actually get

1019
00:47:01,560 --> 00:47:04,560
Speaker 1: paid a part of what that crop was, so you

1020
00:47:04,600 --> 00:47:06,920
Speaker 1: know it's there's risk in return, like what if the

1021
00:47:06,920 --> 00:47:09,800
Speaker 1: crop goes to seed and it doesn't actually be fulfilled

1022
00:47:09,800 --> 00:47:12,319
Speaker 1: and you can't sell it. Same with like cows, like

1023
00:47:12,400 --> 00:47:14,680
Speaker 1: what if they don't produce the milk, et cetera. I

1024
00:47:14,680 --> 00:47:17,359
Speaker 1: think it's just a really good lesson in investment from

1025
00:47:17,400 --> 00:47:19,520
Speaker 1: a different point of view, like if you are from

1026
00:47:19,560 --> 00:47:22,040
Speaker 1: a farming family, like your parents might say, hey, well

1027
00:47:22,040 --> 00:47:24,319
Speaker 1: we'll give you some lambs, bring them up, or hey

1028
00:47:24,360 --> 00:47:26,000
Speaker 1: do you want to put some money into this? Like

1029
00:47:26,040 --> 00:47:28,680
Speaker 1: that's literally your parents teaching you to invest in a

1030
00:47:28,719 --> 00:47:30,719
Speaker 1: way that they fully understand. And I think that that

1031
00:47:30,880 --> 00:47:34,040
Speaker 1: is so awesome, And it sounds like she's got some

1032
00:47:34,160 --> 00:47:38,960
Speaker 1: pretty good money values. I actually found this really relatable,

1033
00:47:39,320 --> 00:47:43,680
Speaker 1: not personally, but more in terms of she clearly has goals,

1034
00:47:43,800 --> 00:47:46,560
Speaker 1: Like she sounded set. She said that she had her

1035
00:47:46,600 --> 00:47:48,960
Speaker 1: savings account, she said she had an emergency account, she

1036
00:47:49,000 --> 00:47:52,000
Speaker 1: said she had a holiday account, and that she only

1037
00:47:52,040 --> 00:47:55,239
Speaker 1: earned between eighteen and twenty thousand dollars a year. And

1038
00:47:55,280 --> 00:47:57,960
Speaker 1: that just tells me that you can save on any budget.

1039
00:47:58,040 --> 00:48:00,239
Speaker 1: You can save on any income if that's what your

1040
00:48:00,280 --> 00:48:03,359
Speaker 1: heart desires. Now, I'm not gonna get on my high

1041
00:48:03,400 --> 00:48:05,040
Speaker 1: horse and say, oh my gosh, there might be some

1042
00:48:05,080 --> 00:48:08,400
Speaker 1: privilege here. There always is privilege in every single situation,

1043
00:48:08,480 --> 00:48:10,920
Speaker 1: whether she's living at home or not. But her plan,

1044
00:48:11,080 --> 00:48:13,480
Speaker 1: as she said, was to continue to live off eighteen

1045
00:48:13,520 --> 00:48:16,399
Speaker 1: thousand dollars a year ish once she gets her full

1046
00:48:16,400 --> 00:48:19,719
Speaker 1: time job, because she's soon to graduate Georgia. And I

1047
00:48:19,760 --> 00:48:22,400
Speaker 1: think that that's a really great goal. And I genuinely

1048
00:48:22,400 --> 00:48:24,560
Speaker 1: felt like maybe she was a little bit harsh on herself.

1049
00:48:24,640 --> 00:48:26,480
Speaker 2: I thought she was very harsh on herself with the

1050
00:48:26,520 --> 00:48:29,239
Speaker 2: bee like goodness, she's got it all sorted with.

1051
00:48:29,160 --> 00:48:31,000
Speaker 1: All of those yeah, one hundred percent.

1052
00:48:31,200 --> 00:48:33,000
Speaker 2: I wanted to ask you V because she did mention

1053
00:48:33,160 --> 00:48:36,000
Speaker 2: she is slightly worried about lifestyle creep when she does

1054
00:48:36,080 --> 00:48:39,279
Speaker 2: jump up to that higher pay yet any tips there.

1055
00:48:39,320 --> 00:48:41,920
Speaker 1: Being aware of lifestyle creep is the first way to

1056
00:48:42,040 --> 00:48:44,799
Speaker 1: make sure that it doesn't happen too badly. But I

1057
00:48:44,920 --> 00:48:48,239
Speaker 1: also think it's not the worst thing in the entire world. Like,

1058
00:48:48,280 --> 00:48:50,160
Speaker 1: if you are earning more and you want to be

1059
00:48:50,200 --> 00:48:52,239
Speaker 1: able to I won't use the term treat yourself, but

1060
00:48:52,280 --> 00:48:54,319
Speaker 1: I'm going to use the term treat yourself. If you

1061
00:48:54,360 --> 00:48:57,719
Speaker 1: want to increase your lifestyle, then you are absolutely more

1062
00:48:57,760 --> 00:49:00,640
Speaker 1: than welcome to. So my advice is never live on

1063
00:49:00,800 --> 00:49:03,360
Speaker 1: as little money as possible, like live on money that

1064
00:49:03,400 --> 00:49:06,680
Speaker 1: makes you happy and actually helps you align to your

1065
00:49:06,680 --> 00:49:09,560
Speaker 1: goals and values. If you want to be saving and investing,

1066
00:49:09,640 --> 00:49:11,880
Speaker 1: obviously you need to make that a priority. And it

1067
00:49:11,960 --> 00:49:14,600
Speaker 1: sounds like that's her priority, which is why she's trying

1068
00:49:14,640 --> 00:49:17,400
Speaker 1: so hard to stick to the eighteen thousand dollar budget

1069
00:49:17,400 --> 00:49:20,680
Speaker 1: for living expenses, which makes sense. But I also think

1070
00:49:20,680 --> 00:49:22,440
Speaker 1: we kind of just need to be nice to ourselves.

1071
00:49:22,560 --> 00:49:24,640
Speaker 1: If you want to spend a little bit more because

1072
00:49:24,640 --> 00:49:26,560
Speaker 1: you are now working full time and you are earning

1073
00:49:26,600 --> 00:49:28,520
Speaker 1: a bit more, I think you're well within your rights.

1074
00:49:28,520 --> 00:49:30,439
Speaker 2: Too celebrated a little for sure.

1075
00:49:30,640 --> 00:49:33,120
Speaker 1: Yeah, absolutely, just just make sure it's in the budget.

1076
00:49:33,200 --> 00:49:34,120
Speaker 1: Might friendly right?

1077
00:49:34,400 --> 00:49:37,000
Speaker 2: Another question for you be she wanted to buy a

1078
00:49:37,080 --> 00:49:39,640
Speaker 2: home in the next two to three years. Do you

1079
00:49:39,640 --> 00:49:42,279
Speaker 2: think that is an achievable goal?

1080
00:49:42,440 --> 00:49:44,840
Speaker 1: That's actually a really important question in Georgia because I

1081
00:49:44,840 --> 00:49:47,440
Speaker 1: actually don't know how much she is planning on spending

1082
00:49:47,440 --> 00:49:48,840
Speaker 1: on a house, Like if she's going to buy a

1083
00:49:48,960 --> 00:49:51,600
Speaker 1: two hundred thousand dollar property, then sure she's well on

1084
00:49:51,640 --> 00:49:53,359
Speaker 1: the way. If her plan is to buy a two

1085
00:49:53,360 --> 00:49:56,160
Speaker 1: million dollar property, well that's completely unreasonable to think she

1086
00:49:56,200 --> 00:50:00,000
Speaker 1: could achieve that goal. It's actually quite coincidental you mentioned

1087
00:50:00,200 --> 00:50:03,480
Speaker 1: that because I have a blog post actually coming up

1088
00:50:03,520 --> 00:50:06,040
Speaker 1: on our website this week that I have written about

1089
00:50:06,080 --> 00:50:09,240
Speaker 1: how I'm actually budgeting for my very first house cool,

1090
00:50:09,280 --> 00:50:13,000
Speaker 1: which hopefully Georgia will happen in the not so near future.

1091
00:50:14,239 --> 00:50:17,799
Speaker 1: But saving isn't all sunshine and roses, and people think

1092
00:50:17,800 --> 00:50:19,960
Speaker 1: that maybe because I run a finance podcast, I must

1093
00:50:20,040 --> 00:50:21,560
Speaker 1: just be really good at it, and I promise you

1094
00:50:21,600 --> 00:50:21,880
Speaker 1: I am not.

1095
00:50:22,680 --> 00:50:22,799
Speaker 3: So.

1096
00:50:23,160 --> 00:50:26,680
Speaker 1: Yeah, I've written a blog on that, and like spoiler alert,

1097
00:50:26,719 --> 00:50:29,359
Speaker 1: I do talk about my favorite budgeting app, Pocketbook, which

1098
00:50:29,360 --> 00:50:31,400
Speaker 1: you guys would be pretty familiar with if you are

1099
00:50:31,480 --> 00:50:34,720
Speaker 1: in our Facebook group, because I praise them all the time.

1100
00:50:34,880 --> 00:50:38,040
Speaker 2: Yeah, I love it. Well, hopefully she can read that

1101
00:50:38,080 --> 00:50:39,799
Speaker 2: blog when it goes up. Hopefully this is we're going

1102
00:50:39,840 --> 00:50:41,680
Speaker 2: to say sometime this week, I reckon we're going to send.

1103
00:50:41,520 --> 00:50:41,799
Speaker 3: It to her.

1104
00:50:41,960 --> 00:50:44,359
Speaker 2: The only other couple of things I wanted to mention

1105
00:50:44,440 --> 00:50:46,880
Speaker 2: She spends too much on food, she says, but you know,

1106
00:50:46,960 --> 00:50:49,840
Speaker 2: don't we all? And she also mentioned that once or

1107
00:50:49,880 --> 00:50:53,280
Speaker 2: twice a year she goes wild on ASoP and the Iconic.

1108
00:50:53,360 --> 00:50:55,879
Speaker 1: But if a soop or asos my friend, I say,

1109
00:50:55,960 --> 00:50:59,360
Speaker 1: oh my god, I got expensive taste.

1110
00:50:59,560 --> 00:51:03,080
Speaker 2: I don't really use as that's I love ASoP soap.

1111
00:51:03,440 --> 00:51:07,680
Speaker 2: But point there was maybe listen to our sales episode

1112
00:51:07,719 --> 00:51:09,880
Speaker 2: because there are ways you can use those websites and

1113
00:51:10,360 --> 00:51:12,080
Speaker 2: save money. Am I right? Victoria?

1114
00:51:12,320 --> 00:51:13,000
Speaker 1: You're always right?

1115
00:51:13,080 --> 00:51:15,480
Speaker 2: Georgie back, Yeah, well, anything else you wanted to add

1116
00:51:15,480 --> 00:51:16,960
Speaker 2: for twenty two and soon to graduate, I.

1117
00:51:16,880 --> 00:51:19,040
Speaker 1: Don't think so. I still just think that she was

1118
00:51:19,160 --> 00:51:21,320
Speaker 1: being really harsh on herself with a B. But again,

1119
00:51:21,760 --> 00:51:23,799
Speaker 1: each to their own. Maybe she feels like she's got

1120
00:51:23,840 --> 00:51:24,399
Speaker 1: lots to learn.

1121
00:51:24,560 --> 00:51:27,239
Speaker 2: Yeah, okay, with that V I think it's probably time

1122
00:51:27,280 --> 00:51:28,399
Speaker 2: to wrap the show up here.

1123
00:51:28,520 --> 00:51:30,560
Speaker 1: I agree, But just before we head off, we would

1124
00:51:30,640 --> 00:51:33,200
Speaker 1: like to acknowledge and pay respects to Australia's Aboriginal and

1125
00:51:33,239 --> 00:51:36,480
Speaker 1: torrest Rate islander peoples, the traditional custodians of the lands,

1126
00:51:36,480 --> 00:51:39,560
Speaker 1: the waterways and the skies all across Australia. We thank

1127
00:51:39,600 --> 00:51:41,400
Speaker 1: you for sharing and the caring for the land on

1128
00:51:41,440 --> 00:51:43,840
Speaker 1: which we are able to learn we pay our respects

1129
00:51:43,880 --> 00:51:46,160
Speaker 1: to elders past and present, and we share our friendship

1130
00:51:46,200 --> 00:51:47,160
Speaker 1: and our kindness.

1131
00:51:47,360 --> 00:51:49,279
Speaker 2: The advice shared on she Is on the Money is

1132
00:51:49,320 --> 00:51:52,800
Speaker 2: general in nature and does not consider your individual circumstances.

1133
00:51:53,239 --> 00:51:56,160
Speaker 2: She Is on the Money exists purely for educational purposes

1134
00:51:56,200 --> 00:51:58,520
Speaker 2: and should not be relied upon to make an investment

1135
00:51:58,640 --> 00:52:02,160
Speaker 2: or financial decision any other decision. That's been nice, and

1136
00:52:02,200 --> 00:52:05,640
Speaker 2: we promise Victoria to find is an authorized representative of

1137
00:52:05,680 --> 00:52:09,040
Speaker 2: Australia Pacific Funds Management but prior toly limited ABM three

1138
00:52:09,080 --> 00:52:11,279
Speaker 2: four one three two four six three two five seven

1139
00:52:11,320 --> 00:52:15,279
Speaker 2: AFSL three three nine one one. And thank you to

1140
00:52:15,400 --> 00:52:18,839
Speaker 2: Ryan John, our producer, for splicing it all together into

1141
00:52:18,880 --> 00:52:20,800
Speaker 2: something that he is remotely.

1142
00:52:20,360 --> 00:52:22,319
Speaker 1: Pleasurable to this sometimes. Yeah, it's kind of kind of

1143
00:52:22,360 --> 00:52:24,160
Speaker 1: him to always make us sound a much better than

1144
00:52:24,160 --> 00:52:27,600
Speaker 1: we actually are. Cheers Ryan. But before we wrap this

1145
00:52:27,680 --> 00:52:30,600
Speaker 1: all up completely, we would love if you joined our

1146
00:52:30,640 --> 00:52:34,120
Speaker 1: Facebook group where our community shares money, tips, intrigues literally

1147
00:52:34,200 --> 00:52:36,840
Speaker 1: every single day, free of judgment. So She's on the

1148
00:52:36,880 --> 00:52:39,200
Speaker 1: Money on Facebook and join us. You can find us

1149
00:52:39,239 --> 00:52:41,520
Speaker 1: on Instagram. We're at She's on the Money a US

1150
00:52:41,760 --> 00:52:45,640
Speaker 1: and also children, I'm on TikTok, and probably join our newsletter.

1151
00:52:45,680 --> 00:52:47,640
Speaker 1: Like there's lots of stuff that we do on mine,

1152
00:52:47,840 --> 00:52:50,360
Speaker 1: and I just think that you need it all Like bias.

1153
00:52:50,400 --> 00:52:53,080
Speaker 2: Those so well as an incentive for the newsletter. Guys,

1154
00:52:53,080 --> 00:52:56,160
Speaker 2: I'll pop that little mood could past a recipe there.

1155
00:52:56,400 --> 00:52:58,040
Speaker 1: I mean, we probably should have put that earlier in

1156
00:52:58,080 --> 00:53:00,680
Speaker 1: the show. If you're still listening, have an hour absolutely

1157
00:53:00,760 --> 00:53:01,560
Speaker 1: fab Wednesday.

1158
00:53:01,640 --> 00:53:02,800
Speaker 2: You're our favorite listeners.

1159
00:53:02,880 --> 00:53:03,960
Speaker 1: You're our favorite listener.

1160
00:53:04,440 --> 00:53:05,120
Speaker 2: See you guys.

1161
00:53:05,200 --> 00:53:08,120
Speaker 1: Bye,