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FRIDAY DRINKS: You get $50, and you get $50 EVERYBODY GET'S $50!* · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:17
  Speaker 1: Hello and welcome to She's on the Money, the podcast
• 0:20
  Speaker 1: for millennials who want financial freedom, and this episode of
• 0:24
  Speaker 1: She's on the Money, as you guys probably have anticipated
• 0:27
  Speaker 1: given the title of the episode is our Friday Drinks
• 0:29
  Speaker 1: episode where we get to say cheers to our entire community.
• 0:33
  Speaker 1: So this week on She's on the Money, we did
• 0:35
  Speaker 1: a deep dive all about salary packaging with the one
• 0:38
  Speaker 1: and only Georgia King. We talked about tax benefits, super
• 0:41
  Speaker 1: benefits and all of the things to be wary of.
• 0:44
  Speaker 1: And on Monday, we had an incredible guest, one of
• 0:48
  Speaker 1: our first real life money diarists that wasn't anonymous, and
• 0:52
  Speaker 1: that was Dara, who is also known as DJ Tiger.
• 0:55
  Speaker 3: Lily Us add that the money diarists are in fact real.
• 0:58
  Speaker 1: Life all right, yeah, yeah, good call. But like our
• 1:01
  Speaker 1: money dirests are usually anonymous, and this is one of
• 1:04
  Speaker 1: our first non anonymous money diarists, which I think was
• 1:07
  Speaker 1: really brave. And she came into the studio and she was,
• 1:10
  Speaker 1: honestly one of the most articulate women I have ever met.
• 1:14
  Speaker 1: Such a boss, Oh my gosh, such a boss. Honestly,
• 1:17
  Speaker 1: beautiful could not stop staring at her. But she talked
• 1:19
  Speaker 1: about how she saved more than twenty thousand dollars on
• 1:22
  Speaker 1: a car, how she personally would never buy a car
• 1:24
  Speaker 1: brand new. She talked about all of her multiple income
• 1:27
  Speaker 1: streams that she generates from social media and also from
• 1:31
  Speaker 1: being a DJ, and what she's done during COVID, and
• 1:34
  Speaker 1: she talked about being taken seriously as a business woman,
• 1:36
  Speaker 1: which obviously was something that I was like, yes, this
• 1:38
  Speaker 1: so resonates with me. But moving on Friday Drinks episode
• 1:43
  Speaker 1: this week, Georgia King, you're here, Hello, hi friend, Oh
• 1:47
  Speaker 1: Jesse Garci. As always, We've got Ryan John good evening,
• 1:51
  Speaker 1: You're on the decks. A lot of people dm us
• 1:53
  Speaker 1: this week saying that they really liked your music at
• 1:56
  Speaker 1: the end of last week's Friday Drinks and requested to
• 1:59
  Speaker 1: keep it well.
• 2:00
  Speaker 3: There was fights about how much legally we could do,
• 2:02
  Speaker 3: but after Georgie did one of the great Harry stars,
• 2:06
  Speaker 3: I thought it was only fair to for Harry to
• 2:08
  Speaker 3: play us out.
• 2:09
  Speaker 1: Thank you, Harry. We did definitely take that completely realty free.
• 2:13
  Speaker 1: But speaking of royalty, that was good, right, that was good.
• 2:19
  Speaker 1: We have co founder of up bank, Domim is joining us,
• 2:24
  Speaker 1: which I am so excited about because obviously we like
• 2:27
  Speaker 1: up bank, but you know what we like more than
• 2:29
  Speaker 1: up Bank people who create banks. Kind of cool, right,
• 2:32
  Speaker 1: kind of cool, kind of green.
• 2:35
  Speaker 4: Yeah, I'm so excited to get street cred.
• 2:37
  Speaker 3: When you say I'm the CEO of a bank, does
• 2:38
  Speaker 3: that you know the people?
• 2:40
  Speaker 1: Yeah, there's a fair bit of street cred there.
• 2:44
  Speaker 2: Technically I'm not the CEO.
• 2:46
  Speaker 1: If you've just hired a new c.
• 2:49
  Speaker 2: It's top secret. I don't think we've publicly no download.
• 2:52
  Speaker 1: They've just up. It's not dom.
• 2:57
  Speaker 3: So what do you They can do all the new
• 3:00
  Speaker 3: gritty ceo stuff so you can just get back to
• 3:01
  Speaker 3: having fun and making it great.
• 3:03
  Speaker 2: Yeah, I think not much will change really, but we've
• 3:05
  Speaker 2: just been scaling. I've just been growing and need to
• 3:07
  Speaker 2: share it around, share the love. There's so much to do,
• 3:10
  Speaker 2: so you can't do everything yourself.
• 3:12
  Speaker 1: I love that.
• 3:13
  Speaker 3: Now, are we giving away some more of your money?
• 3:15
  Speaker 3: You've hired a CEO. Yes, and that's not cheap either.
• 3:17
  Speaker 3: We're giving away hep you cash. What are we up
• 3:19
  Speaker 3: to with that?
• 3:20
  Speaker 1: So this week we actually get to give away a
• 3:22
  Speaker 1: total of five thousand dollars, which that's a lot of
• 3:25
  Speaker 1: dollar rus. I'd also like to just point out that
• 3:27
  Speaker 1: I tried to payment request that from you earlier. Dom
• 3:30
  Speaker 1: there's a payment limit of one thousand dollars on the app,
• 3:33
  Speaker 1: so I'm going to have to send you five different
• 3:35
  Speaker 1: payments with five different memes, and I'm we're king on that.
• 3:38
  Speaker 1: So we'll pay that as soon as this episode has finished.
• 3:41
  Speaker 1: But we have picked our hundred winners, haven't we? Absolutely
• 3:43
  Speaker 1: have you got one from the least that you thought
• 3:46
  Speaker 1: was one of your favorites. Because it wasn't just me
• 3:48
  Speaker 1: going through this, The whole team had a bit of
• 3:49
  Speaker 1: a laugh.
• 3:50
  Speaker 2: It was very difficult to choose because there were so
• 3:52
  Speaker 2: many and they're awesome, like people actually went to effort.
• 3:55
  Speaker 2: It wasn't just a you know, I'm going to get
• 3:56
  Speaker 2: fifty bucks or something. It was like actually telling real
• 3:59
  Speaker 2: sort of stories about what they deserve the moment.
• 4:01
  Speaker 1: It was really hard and we got so many requests
• 4:04
  Speaker 1: and then we only got to choose a hundred of them,
• 4:06
  Speaker 1: which are the time I was like, Jess, how are
• 4:08
  Speaker 1: you going to pick a hundred of these easily? Because
• 4:12
  Speaker 1: we enjoyed the process so much, I.
• 4:14
  Speaker 4: Felt like Oprah, like you get fifty dollars.
• 4:17
  Speaker 1: We like mini Oprahs, but like definitely not nearly as
• 4:20
  Speaker 1: cool and not nearly as generous, but we're trying, right,
• 4:23
  Speaker 1: It's all about the thought that count. Yeah, we're all
• 4:26
  Speaker 1: starting somewhere. I love it. I love it. One of
• 4:29
  Speaker 1: my favorite ones was actually really timely because obviously Easter
• 4:32
  Speaker 1: has just happened, and they said that they're planning to
• 4:35
  Speaker 1: buy all the Easter chocolate at fifty percent off, which
• 4:38
  Speaker 1: obviously your money.
• 4:38
  Speaker 4: Win person after my own heart.
• 4:40
  Speaker 1: Yeah, exactly. And what did we do this week, Jess,
• 4:43
  Speaker 1: I don't know what you want to say. We bought
• 4:45
  Speaker 1: discount Easter, did we not?
• 4:48
  Speaker 4: Yes? Yes, yes, I.
• 4:49
  Speaker 1: Don't know why that didn't come to mind so much sugar,
• 4:52
  Speaker 1: it's not funny.
• 4:54
  Speaker 4: I stopped the office this week. We've said half price
• 4:56
  Speaker 4: Easter chocolate. That money wan wasn't me. But I'm on
• 4:59
  Speaker 4: the same way, like there's you we.
• 5:00
  Speaker 1: Are, which is why we pitched that as one of
• 5:02
  Speaker 1: the limners. So if that was yours, because it's had
• 5:05
  Speaker 1: very high levels of privacy and security, which is obvious.
• 5:08
  Speaker 1: But they couldn't give us your names, but we just
• 5:10
  Speaker 1: have your your lists.
• 5:12
  Speaker 4: I've decided your name was Stan chocolate person.
• 5:14
  Speaker 1: Thank you Stan, Thank you Stan for coming along.
• 5:17
  Speaker 2: And I said it was hard to pick. But I
• 5:18
  Speaker 2: actually one of them really resonated with me because we
• 5:22
  Speaker 2: actually live in my wife's grandparents' house. Grandpa built the
• 5:26
  Speaker 2: house and we've got all these old lemon trees and
• 5:28
  Speaker 2: cumquats and grapefruits and all sorts of things. And someone
• 5:31
  Speaker 2: wrote in saying that they'd say they never going to
• 5:33
  Speaker 2: buy a lemon again because they bought a house and
• 5:36
  Speaker 2: the house has.
• 5:36
  Speaker 3: A lemon try.
• 5:39
  Speaker 1: That's cool, but my fifty dollars going to help you
• 5:41
  Speaker 1: never buy a lemon again.
• 5:43
  Speaker 2: They bought a house instead, And yeah, okay.
• 5:45
  Speaker 1: All right. I love that they can buy like a
• 5:47
  Speaker 1: fancy lemon juice or.
• 5:48
  Speaker 2: Some Well, they're saying that they're actually freezing the lemon
• 5:51
  Speaker 2: juice because they can't they can't get through that many lemons.
• 5:54
  Speaker 2: There's so many. So that's very clever, that's so smart.
• 5:56
  Speaker 4: Wait wait, wait, what do you do with the frozen
• 5:58
  Speaker 4: lemon juice? So different? I guess you just like live
• 6:02
  Speaker 4: it up.
• 6:03
  Speaker 1: Okay, sorry, I overthought it, Like what do they.
• 6:06
  Speaker 3: Do with frozen I'm going to go on the record
• 6:09
  Speaker 3: and say that's one of the great First world problems,
• 6:10
  Speaker 3: having too many lemons so expensive, use them all the time.
• 6:14
  Speaker 3: So boohoo to her.
• 6:15
  Speaker 1: I'm into my Mum's on the weekend and I came
• 6:18
  Speaker 1: home with an entire shopping bag of lemons. So if
• 6:20
  Speaker 1: you guys want some, I'll bring some into the office.
• 6:23
  Speaker 2: Well as a bonus. The lemon rhymes are used as
• 6:26
  Speaker 2: Easter treats.
• 6:28
  Speaker 4: Really, I don't know, like a little lemon cake or something.
• 6:32
  Speaker 2: Maybe well that's what their community member said. That's what
• 6:34
  Speaker 2: they did. They made candied lemon rygin. The good would
• 6:38
  Speaker 2: that be?
• 6:39
  Speaker 4: That's like a triple money winning, such a good one.
• 6:41
  Speaker 1: I love that. I'm not that creative.
• 6:43
  Speaker 4: If you submitted a payment request, keep an eye on
• 6:45
  Speaker 4: your bank account because Victoria Devine is going to be
• 6:47
  Speaker 4: swiping away answering all of your payment requests. One hundred people,
• 6:51
  Speaker 4: fifty bucks is.
• 6:52
  Speaker 1: Coming your way literally this morning, which I'm so excited about.
• 6:55
  Speaker 1: We get to play Oprah, guys, all right, So segueing
• 6:59
  Speaker 1: into the community's favorite segment, which I didn't even know
• 7:02
  Speaker 1: was going to become the community's favorite segment, And that
• 7:05
  Speaker 1: is what is that? Ryan?
• 7:08
  Speaker 3: It's today, It's the top ten wins of the week.
• 7:11
  Speaker 3: It's crying because there's so many good ones. Sorry, we
• 7:13
  Speaker 3: didn't make it.
• 7:14
  Speaker 1: All right, So are we going in ascending or descending
• 7:16
  Speaker 1: order this time or no order? Clever works for us
• 7:21
  Speaker 1: a person, and I just want to have some level
• 7:23
  Speaker 1: of structure.
• 7:24
  Speaker 3: Even asked that.
• 7:25
  Speaker 1: Okay, I'm sorry. It also stresses me up that there's
• 7:27
  Speaker 1: never any consistency in the number, like one week at seven,
• 7:31
  Speaker 1: one week at six. This week he's decided it's ten.
• 7:34
  Speaker 3: What if it just becomes the best money wins of
• 7:36
  Speaker 3: the week.
• 7:36
  Speaker 1: Okay, that seems reasonable. That makes my heart very happy,
• 7:39
  Speaker 1: all right.
• 7:40
  Speaker 3: Taylor says, mine's a loss and a win. Her straightener
• 7:44
  Speaker 3: passed away her hair straight Yeah, hard time, so she
• 7:48
  Speaker 3: went to purchase a new one. The woman at the
• 7:50
  Speaker 3: shop gave her a thirty dollars discount and free shampool
• 7:53
  Speaker 3: and conditioner because they both have curly hair, and she
• 7:55
  Speaker 3: felt her pain. All right. Jackie says money. When I
• 8:03
  Speaker 3: was going to purchase a new chest of draws. They
• 8:06
  Speaker 3: can be really expensive as well. I don't know if
• 8:07
  Speaker 3: you've shopped for those, but no, no one anyone bought
• 8:12
  Speaker 3: am I just at the stage of my life when
• 8:13
  Speaker 3: I'm buying chests of draws and I'm really sad.
• 8:15
  Speaker 1: And like, no, no, no, they can actually be so
• 8:17
  Speaker 1: spino if you don't shop at Ikea. I was gonna
• 8:20
  Speaker 1: say mine came from Ikeas I still have an Ikea one.
• 8:23
  Speaker 1: We are winners.
• 8:25
  Speaker 3: I decided to wait twenty four hours before making a purchase,
• 8:28
  Speaker 3: then realize I just needed to tighten a few screws
• 8:30
  Speaker 3: and I could keep using the one I already have. Okay,
• 8:33
  Speaker 3: and fifty dollars saved.
• 8:35
  Speaker 1: I love that, but I also question why it took
• 8:37
  Speaker 1: you that long for workout that you need to tighten
• 8:39
  Speaker 1: the screws.
• 8:40
  Speaker 3: Well, we're not here to judge, Jackie. We're just trying
• 8:42
  Speaker 3: to say three hundred and fifty dollars eight all right now?
• 8:45
  Speaker 3: Jess loves this one sick because I saw you commenting again,
• 8:50
  Speaker 3: I love It's Like.
• 8:50
  Speaker 4: My favorite part of Money Wints thirty is when you
• 8:52
  Speaker 4: guys put them and I just go through and look
• 8:54
  Speaker 4: at them all and literally respond to It.
• 8:56
  Speaker 1: Actually makes me so happy when I see you guys,
• 8:58
  Speaker 1: like on a Saturday or so day getting involved and
• 9:00
  Speaker 1: I'm like, you don't have to do that, and you're like,
• 9:02
  Speaker 1: oh yeah, But like it was really cool, and I
• 9:04
  Speaker 1: just love that you're so engaged in the community.
• 9:07
  Speaker 3: Savonne says, my daughter peer pressured me into buying some quails.
• 9:11
  Speaker 2: I love.
• 9:11
  Speaker 1: This is so good.
• 9:15
  Speaker 4: What's that going to do with anybody?
• 9:17
  Speaker 3: Okay, okay, we spend one hundred dollars on a massive
• 9:19
  Speaker 3: cage for them, but the cage is too big, so
• 9:21
  Speaker 3: I guess we need to buy more quails now. But
• 9:26
  Speaker 3: I guess we'll have more quail eggs coming soon, so
• 9:28
  Speaker 3: I guess that will be a win.
• 9:30
  Speaker 4: I'm getting out as a win quail win, absolutely, my mate.
• 9:34
  Speaker 1: Why do you always like the left field ones so much?
• 9:37
  Speaker 4: The weird ones just really do it for me.
• 9:40
  Speaker 3: What really made this weird for me is that she
• 9:43
  Speaker 3: was peer pressured by her own daughter.
• 9:45
  Speaker 1: Is that buy some quails?
• 9:47
  Speaker 3: But is peer pressure? Because that's something you can get
• 9:49
  Speaker 3: from a child.
• 9:50
  Speaker 1: We don't have kids, but dom I feel like you
• 9:52
  Speaker 1: have experienced here. Can you be peer pressured by a minor.
• 9:56
  Speaker 2: Especially when they're twelve year old girls?
• 10:00
  Speaker 1: Okay, and we don't have context on age. Could you
• 10:03
  Speaker 1: be peer pressured into buying quails?
• 10:05
  Speaker 2: Probably not quails, but I was thinking they could eat
• 10:07
  Speaker 2: the quails too.
• 10:08
  Speaker 5: Okay, after providing such a generous spread of gluten free
• 10:16
  Speaker 5: and vegan food, you suggest on my podcast that we're
• 10:19
  Speaker 5: going to eat the quakes.
• 10:22
  Speaker 1: Okay.
• 10:22
  Speaker 2: Actually, all my life I had a pet duck. So
• 10:25
  Speaker 2: when I was a kid, I had a pet duck, Daniel,
• 10:29
  Speaker 2: and he saved our house from a burglar. Yeah, it's
• 10:33
  Speaker 2: a real true story.
• 10:34
  Speaker 1: I want to hear his story.
• 10:35
  Speaker 2: And he was on the front page of the Herald Sun.
• 10:39
  Speaker 1: Daniel, you legends.
• 10:40
  Speaker 2: So he used to like pecked people's toes, and the
• 10:42
  Speaker 2: burglar jumped over the fence and had no shoes, and
• 10:45
  Speaker 2: Daniel like went straight for him. And so my mum
• 10:47
  Speaker 2: actually got a carving knife and held the burglar at
• 10:50
  Speaker 2: ransom while the police came. And then the police came
• 10:52
  Speaker 2: and they took the burglar back outside so that he
• 10:54
  Speaker 2: could show where he was breaking in or whatever, and
• 10:56
  Speaker 2: the duck went for his toes again, and so the
• 10:58
  Speaker 2: policeman tipped off a journa and then the journo came
• 11:00
  Speaker 2: out took photos of me in the dark and everything,
• 11:02
  Speaker 2: and ended up on the front page of the Herald Sound.
• 11:04
  Speaker 1: Can we take that up? Where can we find my
• 11:06
  Speaker 1: mum has it?
• 11:08
  Speaker 3: Yes?
• 11:09
  Speaker 1: Also, why is a character up not a duck called Daniel?
• 11:13
  Speaker 2: It should be, but I'll tell you what happened.
• 11:14
  Speaker 1: He can be in charge of security, absolutely.
• 11:18
  Speaker 2: But when I when I grew up Daniel, actually I
• 11:22
  Speaker 2: gave him to a friend when I moved overseas. He
• 11:24
  Speaker 2: did eventually pass away. So we got a new duck
• 11:27
  Speaker 2: and we went out to Coldstream, little town near Little Dale.
• 11:30
  Speaker 2: Gorgeous and we got one day old duckling and we
• 11:34
  Speaker 2: called it Daphne. And she's gorgeous but really sad. Foxes
• 11:38
  Speaker 2: attacked and so she was probably about six years old
• 11:41
  Speaker 2: and then we lost out to Foxes.
• 11:44
  Speaker 1: Six sounds good she was.
• 11:45
  Speaker 2: How long did Daniel was sixteen when I gave.
• 11:50
  Speaker 3: So? Did they did the robber end up going to jail?
• 11:54
  Speaker 3: I don't think so, okay, because I was just imagining
• 11:56
  Speaker 3: in jail how much street cred you would not have?
• 11:59
  Speaker 3: Or how did you get? Caught? It dark? So to
• 12:02
  Speaker 3: peck my toes and it.
• 12:04
  Speaker 1: Was all over darkness? Small whoopen with a knife?
• 12:08
  Speaker 3: All right? Um, Charlotte Jane said, I got flights. Now,
• 12:12
  Speaker 3: this is a controversial one, and I don't know if
• 12:14
  Speaker 3: it's true. I've heard it is, but I'm not sure.
• 12:17
  Speaker 3: I got flights from Melbourne to Adelaide for one hundred
• 12:20
  Speaker 3: dollars return, which is great while we wait. The reason
• 12:24
  Speaker 3: it was so cheap is because I did it with
• 12:26
  Speaker 3: my phone and not on my laptop. What is that
• 12:29
  Speaker 3: a real thing?
• 12:30
  Speaker 1: How does that wear?
• 12:31
  Speaker 4: Is it potentially cookies?
• 12:33
  Speaker 3: Well, that's why it's like obviously the how it's coming
• 12:36
  Speaker 3: through to the website can dictate what price and stuff are.
• 12:38
  Speaker 3: But Dom Mardine, you probably know more tech stuff than us.
• 12:40
  Speaker 3: Is that possible?
• 12:42
  Speaker 2: It's possible, It's not plausible, rights different, don't think it.
• 12:47
  Speaker 3: So it's just one of these like wives tales or no.
• 12:49
  Speaker 2: Look, it's possible, you know, as you're saying, it's a
• 12:52
  Speaker 2: new device, and so maybe they're offering a special deal
• 12:56
  Speaker 2: to certain locations or certain devices or whatever. That's that's possible.
• 13:00
  Speaker 2: It's more likely they had some sort of discount code
• 13:02
  Speaker 2: or they were logged into some service.
• 13:04
  Speaker 1: Or something and they just didn't owe it, or like
• 13:06
  Speaker 1: in app purchases, right, like I know with Sephora, for example,
• 13:09
  Speaker 1: which you probably have absolutely no experience, but they always
• 13:13
  Speaker 1: say they'll give you an extra discount if you book
• 13:15
  Speaker 1: through the app because they want you to download the
• 13:17
  Speaker 1: app and then like function on it, which is interesting.
• 13:20
  Speaker 1: That's also why I always go incognito when I need
• 13:23
  Speaker 1: to book flights or hotels because I'm scared of my cookies. Yeah,
• 13:28
  Speaker 1: I'm scared of it.
• 13:29
  Speaker 2: Might be a real thing that That's what I'm saying.
• 13:30
  Speaker 2: They might have been using a particular app, or they
• 13:32
  Speaker 2: might have had some discount code or something. But yeah,
• 13:35
  Speaker 2: that's a bit sus.
• 13:37
  Speaker 3: Money, all right. Naomi Holland says, money win.
• 13:40
  Speaker 1: Where's the music? Thank you?
• 13:43
  Speaker 4: I'm going who listen to you?
• 13:44
  Speaker 3: Not me?
• 13:47
  Speaker 1: That's what having power feels like.
• 13:49
  Speaker 3: When have I ever not listened to you?
• 13:50
  Speaker 4: Right then? When I said where the music?
• 13:52
  Speaker 1: You didn't hold on? When she called you, you didn't answer.
• 13:55
  Speaker 1: In point two seconds later I called in you answered.
• 13:58
  Speaker 3: I was on another call. Hey, Naomi one says money win.
• 14:01
  Speaker 3: We refinanced our home loan with a different bank. Interest
• 14:05
  Speaker 3: rates dropped from three point nine to one point nine four.
• 14:09
  Speaker 3: Also got four thousand dollars cash for moving back. That's you.
• 14:14
  Speaker 1: But what she doing with the cash?
• 14:16
  Speaker 3: Do you actually get it in cash? It as a
• 14:17
  Speaker 3: goal against your loan or depends on the deal.
• 14:20
  Speaker 1: On the deal and what it is because some of
• 14:21
  Speaker 1: them have the caveat that it comes on a visa
• 14:23
  Speaker 1: gift card.
• 14:24
  Speaker 3: Oh that's not that's not on. Just keep it.
• 14:27
  Speaker 1: Yeah, that's not on.
• 14:29
  Speaker 3: Brie says KFC had free delivery all Easter weekend, so
• 14:34
  Speaker 3: I saved them the delivery fee. Gets that the money.
• 14:37
  Speaker 3: Well done. This is from my money.
• 14:43
  Speaker 1: Yeah, this is definitely okay.
• 14:45
  Speaker 3: I just wanted to know I've picked the right I'm
• 14:48
  Speaker 3: glad that.
• 14:48
  Speaker 1: The KFC branding really attracted you and was remembered by you.
• 14:52
  Speaker 3: Hey, they saw me, they know their audience. All right,
• 14:56
  Speaker 3: money win. Yesterday, this is Adelaide s I'm gonna go
• 15:00
  Speaker 3: on down a limon say. That's probably not her real name,
• 15:02
  Speaker 3: but that's her name on Facebook, Adelaide. Madelaide says, yesterday
• 15:06
  Speaker 3: I officially paid off my personal debt, which got to
• 15:08
  Speaker 3: nineteen thousand dollars. It's now all paid off and all
• 15:12
  Speaker 3: my money is now my own.
• 15:14
  Speaker 4: Yes, that is such a good feeling. As someone who
• 15:17
  Speaker 4: also has had personal debt, there is no better feeling.
• 15:20
  Speaker 3: Nineteen grand that would feel nice in theirs says I
• 15:24
  Speaker 3: just changed our gas and electricity. I looked at the
• 15:26
  Speaker 3: government website because it's not biased and doesn't have paid rankings.
• 15:30
  Speaker 1: They have been listening to the Shoes on the Money community.
• 15:33
  Speaker 3: With that tip, we saved six hundred dollars a year.
• 15:38
  Speaker 1: Six money win.
• 15:42
  Speaker 3: Kerry Howard says, bought a house last week. That's a win.
• 15:46
  Speaker 3: Well done.
• 15:47
  Speaker 1: That's a pretty epic And can you people underestimate how
• 15:50
  Speaker 1: hard buying a house is nowadays?
• 15:53
  Speaker 3: The prices in the last like four weeks have like
• 15:56
  Speaker 3: doubled in Melbourne.
• 15:57
  Speaker 1: This will be the second podcast today I have given
• 16:00
  Speaker 1: in this example. But the house got auctioned off, or
• 16:03
  Speaker 1: a townhouse across the road from me went for four
• 16:05
  Speaker 1: hundred thousand dollars over reserve.
• 16:09
  Speaker 4: That's what it's like, a whole nother house.
• 16:10
  Speaker 1: That's a whole nother house you could have purchased.
• 16:13
  Speaker 2: Literally, I'm actually buying back the house that we originally
• 16:16
  Speaker 2: a first house that we bought. The people are moving
• 16:20
  Speaker 2: out and we were just you know, we were just
• 16:22
  Speaker 2: there one time and just got chatting to them and
• 16:23
  Speaker 2: they're like they're going to put it on the market
• 16:25
  Speaker 2: and sell it, and I want to buy it back.
• 16:27
  Speaker 2: That our first house. How cool? And we designed or
• 16:30
  Speaker 2: we demolished what was there. We didn't acually demolished it
• 16:33
  Speaker 2: got it got chopped up and put on a truck
• 16:35
  Speaker 2: and taken to Philip Island. Like someone else still lives
• 16:37
  Speaker 2: in the house. But we built a new house. So cool,
• 16:40
  Speaker 2: and we built a new house on there, and we
• 16:41
  Speaker 2: designed it ourselves. You get it back, Well, maybe they
• 16:44
  Speaker 2: haven't accepted our offer. That's awesome is that.
• 16:50
  Speaker 3: I went to an inspection the other week and the
• 16:52
  Speaker 3: house was between eight fifty and nine to fifty and
• 16:55
  Speaker 3: then an auction it went for one point four or
• 16:57
  Speaker 3: five million dollars.
• 16:59
  Speaker 1: You find out about that.
• 17:00
  Speaker 3: That was a different one to the one you said, Oh.
• 17:02
  Speaker 1: My gosh, that was another one that went that far.
• 17:04
  Speaker 3: Yeah, the one I sent you that I like, that
• 17:06
  Speaker 3: was out of arrange. But that was about a million
• 17:08
  Speaker 3: and went for a million and half.
• 17:10
  Speaker 1: Yeah, the city, like in the CB Coburg that one cog.
• 17:15
  Speaker 4: Yeah, those price rangers created based on historical sales. So
• 17:19
  Speaker 4: like if we're in a boom now after a period
• 17:21
  Speaker 4: of like a lull, it's always going to go over
• 17:23
  Speaker 4: because all of those historical sales in that life. But
• 17:26
  Speaker 4: they know that now, they know that. But like legally
• 17:29
  Speaker 4: in real estate, you're only required to provide comparable sales
• 17:32
  Speaker 4: within like a certain time frame. It's like, I think
• 17:34
  Speaker 4: it's like the last six months.
• 17:35
  Speaker 3: We call bull on one of the real estate agents
• 17:37
  Speaker 3: and they kind of gave us a bull answer back,
• 17:39
  Speaker 3: like just completely like the one next door is the
• 17:42
  Speaker 3: same soul for this two weeks ago, and well, according
• 17:44
  Speaker 3: to historical garden and made, the house next door is
• 17:47
  Speaker 3: the same and it's old for like more than you're asking.
• 17:49
  Speaker 4: So like if they've made the SOI prior to like
• 17:52
  Speaker 4: that statement of information, which is a document that provides
• 17:55
  Speaker 4: comparable sales, Like let's say I put my house up
• 17:58
  Speaker 4: for sale, and I may be a so I for weeks,
• 18:00
  Speaker 4: go in that household last week, Like, you don't have
• 18:02
  Speaker 4: to update that s I, or at least I should
• 18:05
  Speaker 4: preface that with that was when I worked in real
• 18:06
  Speaker 4: estate many many years ago.
• 18:08
  Speaker 3: I'm sure it's quite similar. Yeah, And that's the kind
• 18:10
  Speaker 3: of spiel they gain far I don't like that. Chloe says,
• 18:14
  Speaker 3: this is the last one. I invest in restaurant brands
• 18:17
  Speaker 3: via a parent company that covers a whole bunch of
• 18:19
  Speaker 3: fast food outlets in New Zealand, and I just received
• 18:22
  Speaker 3: my annual free shareholder meal voucher, get a free meal and.
• 18:27
  Speaker 1: Money win if ever I heard one and he guesses.
• 18:30
  Speaker 3: What the voucher was for McDonald's.
• 18:31
  Speaker 4: Yeah, that's what I was gonna say.
• 18:33
  Speaker 3: I'll give you a clue, KFC.
• 18:41
  Speaker 1: Imagine becoming a shareholder and all you've got was the
• 18:43
  Speaker 1: vouchergar KFEN.
• 18:47
  Speaker 3: That's what's happened to Chloe.
• 18:48
  Speaker 1: Oh my capital growth. All right, now we are back
• 19:00
  Speaker 1: and we are definitely running. I want to hear an
• 19:02
  Speaker 1: team's personal money wins and confessions from the week. Who
• 19:06
  Speaker 1: are we going to start with this week? We're just
• 19:08
  Speaker 1: going to throw Dom's Pooty's hand. I'm going to throw
• 19:12
  Speaker 1: you in the dpen. But anytime we go by, Yeah,
• 19:16
  Speaker 1: everybody wants to go first.
• 19:18
  Speaker 3: What is it?
• 19:19
  Speaker 2: My money win?
• 19:20
  Speaker 1: It would be a win because no one puts their
• 19:22
  Speaker 1: hand up when they've got to.
• 19:23
  Speaker 2: It's a win and a confession. Okay, Yeah, and it's
• 19:26
  Speaker 2: quite odd. So we were running a We were in
• 19:28
  Speaker 2: Australia's first game of fired TikTok thing.
• 19:31
  Speaker 4: I played that. It was very fun.
• 19:34
  Speaker 2: Twenty three million views. Twenty three million, Yeah, and guess
• 19:39
  Speaker 2: who won? Guess who won? The thousand dollars completely random
• 19:43
  Speaker 2: draw by a legal partner that we have that you
• 19:45
  Speaker 2: know doesn't all legitimate everything. Guess who won was actually
• 19:50
  Speaker 2: literally and of course I'm disqualified. Yeah, so I'm like partying.
• 19:54
  Speaker 2: And then they said you can't win it your.
• 19:56
  Speaker 1: Own company's price one thousand dollars.
• 19:59
  Speaker 2: So we're back into the drawer. They're drawing it right
• 20:01
  Speaker 2: now tonight.
• 20:01
  Speaker 1: That is a money win.
• 20:03
  Speaker 2: But that was very disappointed when they told me I
• 20:05
  Speaker 2: couldn't have it.
• 20:07
  Speaker 4: Can they still play the game? Is the game still
• 20:08
  Speaker 4: up on TikTok?
• 20:09
  Speaker 2: Yes, I don't believe it is. I just don't think
• 20:11
  Speaker 2: you win the money, but you can. You can still
• 20:13
  Speaker 2: play the game Challenge easy.
• 20:16
  Speaker 3: And do you know what you do?
• 20:17
  Speaker 1: What you eat them eat the money.
• 20:20
  Speaker 2: The money falls out of the sky and you literally
• 20:21
  Speaker 2: eat it. And do you know I did. I was
• 20:23
  Speaker 2: with my four year old daughter and she has an
• 20:26
  Speaker 2: art table. She was making things, and so she wanted
• 20:28
  Speaker 2: to make a little puppa puppets, so little puppets of me,
• 20:32
  Speaker 2: and so I got them. And then when I couldn't
• 20:34
  Speaker 2: get all the coins, I just these little puppets just
• 20:35
  Speaker 2: like came in. So that's not fair, that's cheating.
• 20:40
  Speaker 1: Disqualified, not because you're the co founder because you cheated.
• 20:44
  Speaker 2: Yeah, but my four year old daughter made them. They
• 20:46
  Speaker 2: were gorgeous.
• 20:47
  Speaker 1: Okay, Okay, when it's done by our minor, they can
• 20:51
  Speaker 1: also bribe you.
• 20:53
  Speaker 4: Yeah, Victoria's de one on TikTok. We've got some really
• 20:56
  Speaker 4: fun ones with some little up insider tips. Off the
• 20:59
  Speaker 4: back of that and check out. The game is super fun.
• 21:01
  Speaker 1: It is. I've been having a lot of fun on
• 21:02
  Speaker 1: TikTok recently, but it's not my turn to talk. Jessica.
• 21:06
  Speaker 1: You spoke up first, Rip, I have a money confession
• 21:10
  Speaker 1: elevant money less.
• 21:11
  Speaker 4: So this week we are recording a little earlier than usual.
• 21:14
  Speaker 4: It is Wednesday. So if you've been following along, we've
• 21:16
  Speaker 4: been doing a Day in our Life on Stories, so
• 21:18
  Speaker 4: you may have seen I walked down the hill to
• 21:21
  Speaker 4: give us some drinks and some snacks a little earlier
• 21:24
  Speaker 4: when through seven eleven I got some panadoll. You did
• 21:28
  Speaker 4: two packets of pringles and a box of donuts. Take
• 21:31
  Speaker 4: a guess at how much that costs me?
• 21:32
  Speaker 1: Oh, no cost you?
• 21:35
  Speaker 4: Well, guess how much it cost me on the sheet
• 21:36
  Speaker 4: on the money cut.
• 21:37
  Speaker 1: Okay, so we're playing a game of guess how much
• 21:39
  Speaker 1: it costs Victoria.
• 21:40
  Speaker 2: Yeah, forty seven dollars close.
• 21:42
  Speaker 1: I feel like.
• 21:43
  Speaker 3: Seven elevens in town can be spenny, right.
• 21:46
  Speaker 4: Well, I went to the Richmond one. Firstly, very bougie.
• 21:49
  Speaker 3: There's about fifty in Richmond.
• 21:51
  Speaker 1: There's so many in Richmond.
• 21:53
  Speaker 4: The one in particular that I entered very boogie. How
• 21:55
  Speaker 4: was it bougie?
• 21:58
  Speaker 6: Very?
• 21:58
  Speaker 3: It's the massive one.
• 22:00
  Speaker 4: Yeah, it was big, like the door was ordered like
• 22:02
  Speaker 4: it wasn't like a sliding door. It was like an
• 22:04
  Speaker 4: opening door.
• 22:05
  Speaker 3: Just it was.
• 22:07
  Speaker 1: It's gonna make a lot of sense when you learn
• 22:09
  Speaker 1: that just is from the west side.
• 22:11
  Speaker 3: The coffee machine. There's a coffee machine in that one
• 22:14
  Speaker 3: that has soy milk.
• 22:18
  Speaker 1: Eleven there's Richmond if ever I heard it.
• 22:20
  Speaker 4: Those four items run us thirty seven dollars fifty. A
• 22:24
  Speaker 4: tub of pringles was seven dollars.
• 22:26
  Speaker 1: How much was the urifin?
• 22:28
  Speaker 4: I like twelve?
• 22:29
  Speaker 3: I think what?
• 22:30
  Speaker 4: Yeah, there was only little pack and they were only
• 22:32
  Speaker 4: the small Like my mind was just playing. So that's
• 22:34
  Speaker 4: my money loss. That's awful.
• 22:36
  Speaker 1: Georgia just off what she got my friend.
• 22:40
  Speaker 6: I have a money with yeah, to bring us back out.
• 22:44
  Speaker 6: So it's Melbourne Comedy Festival at the moment, guys.
• 22:48
  Speaker 4: Which is fantastic.
• 22:49
  Speaker 6: Great to be supporting the artists after such a hard
• 22:52
  Speaker 6: year last year.
• 22:53
  Speaker 4: So that's what I did, because I'm a hero.
• 22:55
  Speaker 6: Last week I went to see Nate Valvo, yeah, and
• 23:00
  Speaker 6: he was phenomenal so great. Tickets were pretty cheap anyway,
• 23:04
  Speaker 6: but I was like, treat yourself anyway. Went to the
• 23:06
  Speaker 6: ticket booth and he was like, Melady, it's twenty dollars
• 23:10
  Speaker 6: a ticket, ten dollars off because it's Mercedes Night or something.
• 23:13
  Speaker 6: I was like, I don't know what you're talking about, yo,
• 23:17
  Speaker 6: so great, I got like twenty dollars off.
• 23:19
  Speaker 4: Did he actually say malady? Probably not.
• 23:24
  Speaker 1: Georgia woulds Can we all get bracelets that just through WWGD?
• 23:29
  Speaker 1: So it's like, what would Georgia do? But if it was,
• 23:32
  Speaker 1: it's always left field, it's always different. It's thinking creatively,
• 23:36
  Speaker 1: keeps it.
• 23:36
  Speaker 4: Fun and fresh. What can we say? That's like you,
• 23:38
  Speaker 4: who's next?
• 23:39
  Speaker 1: It's Rune. I had a because I said it's run
• 23:42
  Speaker 1: before he could say the tour.
• 23:43
  Speaker 3: I had what I thought was going to be a
• 23:45
  Speaker 3: loss that became a win, and I think I talked
• 23:47
  Speaker 3: about it with you guys earlier. I've moved into a
• 23:49
  Speaker 3: new house this week, and the couch would not fit
• 23:52
  Speaker 3: through the front door. And I was sitting there thinking,
• 23:55
  Speaker 3: I'm gonna have to buy a new couch. I'm gonna
• 23:56
  Speaker 3: have to probably pay someone to get the old couch
• 23:58
  Speaker 3: because it's just sitting at the front. I was having this,
• 24:00
  Speaker 3: you know, money loss in my mind until I realized
• 24:03
  Speaker 3: that if I got into the townhouse behind us and
• 24:06
  Speaker 3: took my couch through their front door out their back door,
• 24:09
  Speaker 3: I could throw it over the back fence. Money win.
• 24:12
  Speaker 3: It worked, new couch, money savings, got to keep my
• 24:16
  Speaker 3: old couch. The dog BDA is happy because that's where
• 24:18
  Speaker 3: he That's.
• 24:18
  Speaker 4: A major agis issue.
• 24:20
  Speaker 3: If you're at your house, you're not at your place
• 24:21
  Speaker 3: of work.
• 24:23
  Speaker 2: I thought you're going to say you've got a bigger door.
• 24:25
  Speaker 3: Well we sort of do now. Also, actually just money win.
• 24:33
  Speaker 3: I'm actually moved into Victoria's friend's house.
• 24:35
  Speaker 1: Yeah, my best friend's house, which is really strange seeing
• 24:38
  Speaker 1: you Instagram story from your new house, me being like,
• 24:41
  Speaker 1: that is not where the kettle goes.
• 24:42
  Speaker 3: Brian, Well it does, now, mate, And can I tell
• 24:45
  Speaker 3: you that I would have we would have bought our house.
• 24:47
  Speaker 3: But back to the previous conversation. Turns out prices have
• 24:50
  Speaker 3: gone up half a million in a month. It's crazy,
• 24:53
  Speaker 3: so it might be there for a while while we save.
• 24:55
  Speaker 3: It's a cute house though, it's very nice. V. What
• 24:57
  Speaker 3: do you got?
• 24:57
  Speaker 1: Okay, So I've got a money when a money can
• 25:00
  Speaker 1: and then another money confession for you. So this week
• 25:03
  Speaker 1: or in the last week, it's been raining, it's getting winterry.
• 25:07
  Speaker 1: I'm now a crazy dog owner, and I bought on
• 25:10
  Speaker 1: the internet some dog rain jackets because that's what other
• 25:14
  Speaker 1: people do with their time. It's very normal.
• 25:17
  Speaker 3: Was on this podcast last week we were discussing the
• 25:19
  Speaker 3: gum boots you got for the dogs.
• 25:20
  Speaker 1: Yeah, and some of boots didn't work out. So now
• 25:22
  Speaker 1: I've got her the little kind of like Paddington Bear
• 25:25
  Speaker 1: like raincoat, very very cute, but the one I wanted
• 25:30
  Speaker 1: because I googled it and obviously found the cutest one
• 25:32
  Speaker 1: that had like this navy and white interior with a stripe,
• 25:35
  Speaker 1: very fancy, very fashion, very lucy, and it was like
• 25:39
  Speaker 1: two hundred dollars. What I'm not paying two hundred dollars
• 25:42
  Speaker 1: for a dog jacket. So I googled it. I didn't.
• 25:46
  Speaker 1: I didn't, I wouldn't do that. I'm like crazy, but
• 25:48
  Speaker 1: not that crazy. So I got on Ali Express tight
• 25:52
  Speaker 1: gan yellow dog jackets, same thing pops up eleven dollars,
• 25:56
  Speaker 1: bought it, bought two because it wasn't sure about the
• 25:59
  Speaker 1: size for free once. If you've got a dog smaller
• 26:01
  Speaker 1: than Lucy, please let me know it might be your
• 26:03
  Speaker 1: money win for you as well, and I'll send you
• 26:04
  Speaker 1: a dog jacket.
• 26:05
  Speaker 3: Would you say eleven dollars to two hundred? The product
• 26:07
  Speaker 3: looks pretty similar.
• 26:08
  Speaker 1: It's identical, perfect, and it came because on Oli Express.
• 26:14
  Speaker 1: Obviously sometimes it could be a little bit dodgy, but
• 26:17
  Speaker 1: you can look through the photo reviews and it had
• 26:20
  Speaker 1: like three hundred five star reviews and all these photos
• 26:23
  Speaker 1: of other people's dogs in these jackets, and I was like,
• 26:25
  Speaker 1: I'll take the risk. Those dogs look cute.
• 26:28
  Speaker 3: Everyone who follows our Instagram will know the answer for that.
• 26:31
  Speaker 3: She's on the Money Workplace, But dom I want to
• 26:33
  Speaker 3: know about the up Bank workplace. Is it a dog
• 26:36
  Speaker 3: friendly place? If a dog rocked up, would that be cool?
• 26:38
  Speaker 3: Is it a distraction? And what is your company policy
• 26:42
  Speaker 3: on rain jackets? On animals?
• 26:45
  Speaker 2: Completely awesome?
• 26:46
  Speaker 3: Both. Yeah.
• 26:47
  Speaker 2: We have a few different dogs that have come to
• 26:49
  Speaker 2: the office. We don't have a permanent dog in the office,
• 26:52
  Speaker 2: but people bring their own dog in. I don't think
• 26:54
  Speaker 2: any of them have rain jackets. We could not real dogs.
• 26:58
  Speaker 2: We could organize that, yeah, right.
• 27:00
  Speaker 3: And so how many dogs at any one time in
• 27:03
  Speaker 3: the workplace?
• 27:04
  Speaker 2: Only one?
• 27:05
  Speaker 3: Okay? Yeah, last time I.
• 27:06
  Speaker 1: Was at your office, there was a baby, there was
• 27:09
  Speaker 1: some dolls, and I played Mario cart So I just
• 27:11
  Speaker 1: feel like you'd be alright with dogs.
• 27:13
  Speaker 2: Yeah, absolutely fine. And there's usually a little sausage dog
• 27:16
  Speaker 2: that comes in. I forgot its name, but it's gorgeous.
• 27:21
  Speaker 4: And that's why we love up.
• 27:25
  Speaker 1: And my money confession, guys, obviously buying.
• 27:28
  Speaker 3: The buying the dog jackets is not a confession.
• 27:30
  Speaker 1: The money. I saved a lot of money on something
• 27:33
  Speaker 1: that I'd put twenty four hours between me and my spending,
• 27:36
  Speaker 1: and it was in line with my values. And I
• 27:38
  Speaker 1: don't think anyone at this table should be questioning my values.
• 27:41
  Speaker 1: And when I spend my money on if I've got conviction.
• 27:43
  Speaker 1: But my money lost is how much jess spent. All right,
• 27:50
  Speaker 1: We've been drinking a particular wine for most of this
• 27:53
  Speaker 1: pod recording, Jessica, and I'm not gonna lie, I don't
• 27:56
  Speaker 1: think any of us are enjoying it. No, No, it's
• 27:59
  Speaker 1: not very good. So could you just tell us what
• 28:01
  Speaker 1: we're drinking to warn other people? And how much was it?
• 28:06
  Speaker 4: Honestly don't know.
• 28:07
  Speaker 1: Okay, just spending all my money. I like that, like
• 28:11
  Speaker 1: be married. Now.
• 28:12
  Speaker 4: Yeah, look I wasn't wearing my glasses and so I
• 28:15
  Speaker 4: just grabbed what looked like approximately a nice bottle of white.
• 28:19
  Speaker 4: It turns out it's alcoholic free alcoholic free.
• 28:28
  Speaker 1: Could you just read the name of the wine.
• 28:31
  Speaker 4: Yeah, so we're drinking zero zero alcohol sparkling wine, which
• 28:35
  Speaker 4: we thought would may perhaps just be like apple juice,
• 28:38
  Speaker 4: but not as good. Just buy sparkling apple juice.
• 28:40
  Speaker 1: Just buy sparkling apple juice next time. It'll probably be
• 28:43
  Speaker 1: cheaper and tastier.
• 28:45
  Speaker 3: Juice in your soda stream.
• 28:47
  Speaker 1: No, it backs up. It explodes everywhere. Dom's right, it
• 28:53
  Speaker 1: explodes everywhere. I've tested that theory and can confirm you
• 28:57
  Speaker 1: also can't recarbonate tonic water, just for those of you
• 29:00
  Speaker 1: wondering you would. So with that, we'd like to acknowledge
• 29:05
  Speaker 1: and pay respect to Australia's Aboriginal and Torres Strait Islander people.
• 29:09
  Speaker 1: They're the traditional custodians of the lands, the waterways and
• 29:12
  Speaker 1: the skies all across Australia. We thank you for sharing
• 29:15
  Speaker 1: and for caring on the land which we are able
• 29:17
  Speaker 1: to learn. We pay our respects to elders past and present,
• 29:20
  Speaker 1: and we share our friendship and our kindness. Now, George King,
• 29:23
  Speaker 1: do you want to read that? Or do your men
• 29:24
  Speaker 1: to read that?
• 29:25
  Speaker 4: I can do it if you'd like.
• 29:26
  Speaker 1: I've gotten real speedy at it.
• 29:28
  Speaker 6: You have, I know I need to.
• 29:30
  Speaker 1: Go.
• 29:31
  Speaker 6: So she is on the money is general in nature
• 29:33
  Speaker 6: and does not consider your individual circumstances.
• 29:36
  Speaker 1: That lacks a lot of passion, but caric she is on.
• 29:38
  Speaker 6: The money exists purely for educational purposes and should not
• 29:42
  Speaker 6: be relied upon to make an investment or a financial decision.
• 29:46
  Speaker 4: And we promise Victoria.
• 29:47
  Speaker 6: Divine is an authorized representative of Australia Pacific Funds Management
• 29:51
  Speaker 6: but prior toly Limited ADM three four one three two
• 29:54
  Speaker 6: four six three two five seven afossel through three nine
• 29:57
  Speaker 6: one five one.
• 29:58
  Speaker 1: That was pretty speedy. Thank you.
• 30:00
  Speaker 6: Thank you. Thanks to Sam Blacker our podcast Butler for
• 30:05
  Speaker 6: helping out with the audio.
• 30:06
  Speaker 1: Our podcast Butler, Yeah, did you name him? The podcast
• 30:09
  Speaker 1: Butler if he.
• 30:10
  Speaker 3: Reads the next line, you'll find out where
• 30:12
  Speaker 6: We can find him at the podcast butler dot com.