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Transcript

FINE Friends? · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money. She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on Them the podcast for
• 1:01
  Speaker 4: millennials who want to.
• 1:02
  Speaker 2: Go to Taylor Swift.
• 1:03
  Speaker 4: Today is Friday, which means it is time to get
• 1:06
  Speaker 4: the team together and celebrate you our incredible She's on
• 1:09
  Speaker 4: the Money community. Today we're going to be sharing our
• 1:12
  Speaker 4: favorite money wins. We're going to be helping to answer
• 1:14
  Speaker 4: a very juicy money dilemma, which this week is all
• 1:17
  Speaker 4: about emergency funds for travel, and we're going to be
• 1:20
  Speaker 4: unpacking something you slid into our DMS about And this
• 1:23
  Speaker 4: week we're going to be chatting about should you pay
• 1:25
  Speaker 4: when someone else is driving you and you get a fine,
• 1:29
  Speaker 4: which I think is going to get a little bit spicy.
• 1:31
  Speaker 4: But my friends, Beck, you're here, Miss jessic Ricci, you're
• 1:35
  Speaker 4: here as always.
• 1:37
  Speaker 2: How have your weeks been?
• 1:39
  Speaker 5: Mine has been so relaxing. It's relaxing work. Yeah, and
• 1:44
  Speaker 5: I'm just on cloud night, like you know how.
• 1:47
  Speaker 2: Much you love your job before.
• 1:48
  Speaker 6: We will always be the best, so true.
• 1:52
  Speaker 5: So it's been yeah, super chill too chill.
• 1:54
  Speaker 4: Oh good.
• 1:55
  Speaker 5: I'm still leating East eggs, are you? Guys?
• 1:57
  Speaker 4: We literally have Easter eggs on the desk right now,
• 1:59
  Speaker 4: and Ess is brought in those American marshmallow rabbit things.
• 2:04
  Speaker 2: Sorry the peeps they're not their chickens.
• 2:07
  Speaker 4: I don't know what they are, little bodies, but Jess,
• 2:10
  Speaker 4: you always embrace effective season.
• 2:12
  Speaker 2: How was your Easter?
• 2:13
  Speaker 5: So good?
• 2:15
  Speaker 6: My little fresh baby nephew got dressed up in a
• 2:17
  Speaker 6: little rabbit costume.
• 2:20
  Speaker 2: Eat him. I would have eaten it.
• 2:22
  Speaker 6: It was delicious and ever so edible, but it was
• 2:25
  Speaker 6: really fun. It was so good, family time, lots of chocolate.
• 2:28
  Speaker 6: I don't know what else you could possibly ask for.
• 2:30
  Speaker 2: Really, how good?
• 2:31
  Speaker 4: Mine was very very similar lots of babies, yes, lots
• 2:35
  Speaker 4: of kids around, lots of making sure that there was
• 2:37
  Speaker 4: some dinner on the table by five point thirty pm,
• 2:39
  Speaker 4: which I am not used to. There was way more
• 2:42
  Speaker 4: screaming in our household over the weekend than has ever
• 2:46
  Speaker 4: been before. But it was really, really good. And I
• 2:50
  Speaker 4: have decided to plan my Barbie birthday party. Oh yeah,
• 2:53
  Speaker 4: We've planned our Barbie birthday party. And Jessica Ici has
• 2:57
  Speaker 4: said that she will also sell a kidney for a
• 2:58
  Speaker 4: Taylor Swift ticket. They come out, it's all happening. Yeah,
• 3:02
  Speaker 4: we're very excited.
• 3:03
  Speaker 5: Taylor Swift is listening to the podcasts, which I am
• 3:06
  Speaker 5: not myself. I don't know, Guys, I think she might.
• 3:13
  Speaker 4: She's like, hey, I'm literally worth hundreds of millions, then
• 3:16
  Speaker 4: some budget to.
• 3:17
  Speaker 5: She kind of wants to know how to budget.
• 3:19
  Speaker 4: I don't know.
• 3:19
  Speaker 6: She's a girl's girl, Like, if anyone's going to support
• 3:22
  Speaker 6: the girlies, I'm convinced. Yeah, Swift, So you know, you know.
• 3:25
  Speaker 4: We will basically say that we're endorsed by Taylor Swift
• 3:28
  Speaker 4: if that's the case basically. But before we get into
• 3:31
  Speaker 4: some pr issues, Jessica, you have some community money wins
• 3:36
  Speaker 4: for us.
• 3:36
  Speaker 2: Can you do a little quick whipp around of your
• 3:38
  Speaker 2: faves from this week?
• 3:39
  Speaker 6: Sure? Can? A bit of a self care theme this
• 3:41
  Speaker 6: week's My first money win comes from Brianna, who said
• 3:44
  Speaker 6: money win. One of my girlfriends who used to study
• 3:46
  Speaker 6: skincare offered to give me an at home facial and
• 3:49
  Speaker 6: teach me how to look after my specific skin type
• 3:52
  Speaker 6: on a budget. I've been finding it so hard to
• 3:54
  Speaker 6: justify my expensive cosmeceutical skincare with the rising cost of living,
• 3:58
  Speaker 6: so this came at the perfect time.
• 3:59
  Speaker 2: How good can we have that list?
• 4:01
  Speaker 6: Yeah?
• 4:03
  Speaker 4: Taking applications for new friends who have cosmetics licenses. If
• 4:07
  Speaker 4: you would like to give me facials at home, Yeah,
• 4:09
  Speaker 4: I'm willing willing to take that sacrifice.
• 4:12
  Speaker 6: Love that. My next money win came from Jess, who
• 4:14
  Speaker 6: said I booked all of my europ accommodation using a
• 4:17
  Speaker 6: shot back. Total game changer. Anyone who's lucky enough to
• 4:20
  Speaker 6: be booking a holiday, I would be making sure you
• 4:22
  Speaker 6: get your cash back because you will save yourself a
• 4:24
  Speaker 6: pretty penny. My next money win came from Rebecca, who said,
• 4:28
  Speaker 6: I randomly thought I would check Deepop for the dress
• 4:30
  Speaker 6: I've been eyeing off for an upcoming wedding and I
• 4:32
  Speaker 6: found the exact dress in my size for a third
• 4:35
  Speaker 6: of the price and it had only been listed twelve
• 4:38
  Speaker 6: hours earlier. Oh my god, wow, perfect, immaculate. My next
• 4:43
  Speaker 6: money win is from Alana, who said I desperately needed
• 4:46
  Speaker 6: a massage and went to the massage clinic at a
• 4:49
  Speaker 6: tape where students practice a one hour of remedial massage
• 4:52
  Speaker 6: on you for only fifteen dollars.
• 4:54
  Speaker 5: Sorry, what that is a great idea.
• 4:56
  Speaker 2: Let's go.
• 4:56
  Speaker 6: All it was required at the end is filling out
• 4:58
  Speaker 6: a feedback form on how this it was an amazing
• 5:01
  Speaker 6: experience and not to mention a relaxic one.
• 5:03
  Speaker 4: Oh my gosh, that's actually the biggest money win of
• 5:06
  Speaker 4: the year. You can't even buy anything for fifteen dollars
• 5:08
  Speaker 4: a year this day.
• 5:09
  Speaker 6: If you're in Melbourne, there is a tafe I.
• 5:12
  Speaker 4: Think it's a beauty clinic on in the city. It's
• 5:15
  Speaker 4: in the city about finds Elie Lucas.
• 5:18
  Speaker 6: I think so.
• 5:19
  Speaker 4: Yeah, I used to go there and get like my
• 5:21
  Speaker 4: eyelashes tinted, or like facials and stuff.
• 5:24
  Speaker 7: You can get massages, yeah, I'm sure you can. Okay,
• 5:28
  Speaker 7: Oh my god, I'm slow key.
• 5:29
  Speaker 6: Look up your local tape, it's a lot cheaper, and honestly,
• 5:31
  Speaker 6: if anything, I feel like they're going to be better
• 5:33
  Speaker 6: because they're trying, like they're practicing, they're at school, they're
• 5:36
  Speaker 6: trying really hard to.
• 5:37
  Speaker 4: Be good and do their best possible job one hundred percent.
• 5:40
  Speaker 4: Also on that, I think it's important. So my hairdresser Boder,
• 5:44
  Speaker 4: I'm obsessed with them. They've obviously got sounds everywhere, but
• 5:46
  Speaker 4: I go to the one in Richmond. If you follow
• 5:49
  Speaker 4: hairdressers on Instagram, often they'll post things like, oh, we
• 5:53
  Speaker 4: need a hair model for this, or we need like
• 5:55
  Speaker 4: a hair model for a blowwave. And the other day
• 5:58
  Speaker 4: I saw the Boda had done a like oh we
• 6:00
  Speaker 4: need like three blowwave models, and I was like, if
• 6:02
  Speaker 4: I was free, I would take the reblowave.
• 6:04
  Speaker 2: Yeah, Like can you imagine.
• 6:06
  Speaker 6: They do highlights and stuff too. I'm pretty su When
• 6:07
  Speaker 6: I was younger, I got my highlights done once for
• 6:09
  Speaker 6: free because I needed someone to practice that.
• 6:11
  Speaker 4: So it's a good idea to follow your favorite hairdresser
• 6:13
  Speaker 4: and like keep an eye on their stories and see
• 6:15
  Speaker 4: if they are ever wanting a hair model or anything,
• 6:17
  Speaker 4: because you might end up with a free haircut, free
• 6:19
  Speaker 4: hair color, or even like a severely discounted one at best,
• 6:23
  Speaker 4: so huge. Anyway, that's my hot tip.
• 6:25
  Speaker 5: I really like that. It's actually very very smart.
• 6:27
  Speaker 6: That's a good one.
• 6:28
  Speaker 4: I don't know if everyone does it, but I do
• 6:29
  Speaker 4: know bod does, so get in on it.
• 6:32
  Speaker 6: Next money Win comes from Zoe, who said money win
• 6:35
  Speaker 6: where when I got East Chocolate, the half price lind
• 6:37
  Speaker 6: Bunnies were four dollars and my favorite Ferrero Royshare mini
• 6:40
  Speaker 6: eggs were three dollars twenty five for packet genius.
• 6:43
  Speaker 2: Did you play that?
• 6:44
  Speaker 6: I did not. That's from Zoe from Zoe Joey Scout.
• 6:48
  Speaker 2: Are you sure hold on? Because it's a little bit convenient?
• 6:52
  Speaker 2: Is it just?
• 6:53
  Speaker 4: How many packets of Kinder hazelnut mini eggs did you purchase.
• 6:57
  Speaker 2: This this Easter?
• 6:58
  Speaker 6: I would not like to disclose it. Information at this
• 7:00
  Speaker 6: time may or may not be a double digit We.
• 7:04
  Speaker 2: Know it is.
• 7:05
  Speaker 4: She she disclosed to us before, and I was like,
• 7:07
  Speaker 4: I don't even know when you're going to use all these.
• 7:09
  Speaker 6: But respect you can only get them at Easter exact
• 7:12
  Speaker 6: once a year opportunity and they were half priced.
• 7:14
  Speaker 4: Okay, you know what money they're good year round, Yeah,
• 7:16
  Speaker 4: they're good year round.
• 7:17
  Speaker 2: If they've got that little bit of white on them,
• 7:19
  Speaker 2: still good.
• 7:19
  Speaker 5: It's still good.
• 7:20
  Speaker 6: It's extra prote and what is it antibotics? Last money
• 7:24
  Speaker 6: when it comes from and she said everyone's money winds
• 7:26
  Speaker 6: are so epic. I was so stoked this week because
• 7:29
  Speaker 6: Muffin Break gave me and my kids six free scones
• 7:32
  Speaker 6: under muffin Ye. They when we were walking past. We
• 7:35
  Speaker 6: had a fancy scone with jam and cream breakfast this morning.
• 7:37
  Speaker 6: Gone or Scott, same sentenced Scot. It's gone scone. If
• 7:43
  Speaker 6: you're really rich and from Europe.
• 7:45
  Speaker 4: Yes, if you're posh, if you're push yeah, I gave
• 7:47
  Speaker 4: you from Britain.
• 7:48
  Speaker 6: I did one of each Popote to see that guarantee pockets.
• 7:53
  Speaker 5: That's it.
• 7:53
  Speaker 4: Oh yeah, he's actually my favorite.
• 7:56
  Speaker 2: He just like goes through. Oh he's great.
• 7:58
  Speaker 6: I'll send him to you. Yes, effectively de influences so
• 8:01
  Speaker 6: someone will be showing like things that they brought on
• 8:03
  Speaker 6: Amazon to make their life more organized, and he just
• 8:06
  Speaker 6: comments on it in such a satirical way. He's like, Pillo,
• 8:08
  Speaker 6: you take things out of boxes to put them in
• 8:10
  Speaker 6: other little boxes. No, you don't, because you're Popo is
• 8:16
  Speaker 6: taking good. He's taking the Mickey out of over consumption,
• 8:19
  Speaker 6: not because it could be a bit.
• 8:22
  Speaker 4: Anybody like people's videos, so like you're watching theirs at
• 8:26
  Speaker 4: the same time as him narrating.
• 8:27
  Speaker 2: It is absolutely delete content.
• 8:31
  Speaker 6: So it sounds great.
• 8:34
  Speaker 2: Like yeah, that's me, but like I'm the opposite.
• 8:37
  Speaker 4: I put the little clear containers in my fridge and
• 8:39
  Speaker 4: now I feel attacked by this guy because he's not wrong.
• 8:42
  Speaker 2: He's not wrong wrong my eggs he a clear carton.
• 8:45
  Speaker 6: Hope they didn't. But you like it, and that's okay.
• 8:47
  Speaker 6: He's coming for me on that note. That's the end
• 8:49
  Speaker 6: of my money wins.
• 8:50
  Speaker 4: All right, Well, let's go to a really quick break
• 8:52
  Speaker 4: because after the break, I want to talk about emergency
• 8:55
  Speaker 4: funds for travel. I also want to talk about Taylor
• 8:57
  Speaker 4: Swift Barbie parties. And we're also going to talk about
• 9:00
  Speaker 4: what happens if you get a parking fine while driving
• 9:04
  Speaker 4: for other people?
• 9:05
  Speaker 2: Should they be paying or should you be paying?
• 9:07
  Speaker 3: Should you just.
• 9:08
  Speaker 2: Cough it up because it's your car? I don't know.
• 9:10
  Speaker 4: Don't go anywhere, guys, because it is going to get hot.
• 9:13
  Speaker 4: On the other side, Welcome back, everybody. I feel like
• 9:20
  Speaker 4: it's getting into winter here in Australia and we're all
• 9:23
  Speaker 4: dreaming of travel, right, We're all dreaming of going somewhere else. Which,
• 9:26
  Speaker 4: if you're Jess and you're embracing the warm winter coats
• 9:28
  Speaker 4: and the fact that you can stay home and eat
• 9:30
  Speaker 4: your ten packets of Easter eggs.
• 9:32
  Speaker 6: Living the dream, why would I ever want to leave?
• 9:34
  Speaker 6: But this week's question is all about emergency funds for
• 9:36
  Speaker 6: travel I believe.
• 9:38
  Speaker 5: Let's take a listen.
• 9:41
  Speaker 2: Hi, there, have you.
• 9:42
  Speaker 4: Got a money dilemma you just can't solve? The Sheese
• 9:45
  Speaker 4: on the Money team is here to help. Every week,
• 9:48
  Speaker 4: we tackle your dilemmas, both big and small, to answer
• 9:51
  Speaker 4: your most burning money.
• 9:52
  Speaker 2: Career and life questions.
• 9:53
  Speaker 4: To get involved, simply head to our website and leave
• 9:56
  Speaker 4: us a short voice recording and you might just find
• 9:58
  Speaker 4: yourself on the show. Now, let's take a listen to
• 10:01
  Speaker 4: this week's money dilemma.
• 10:05
  Speaker 8: Hi, guys, EGO, question about emergency funds for traveling. I'll
• 10:09
  Speaker 8: be going overseas for about a month, mostly staying with family.
• 10:13
  Speaker 8: I want to make sure that I have a emergency
• 10:15
  Speaker 8: fund available, which is planned. But do you guys have
• 10:19
  Speaker 8: any advice on making sure that that emergency fund is
• 10:22
  Speaker 8: definitely sufficient? And I won't be caught out. I do
• 10:25
  Speaker 8: have travel insurance organized, but obviously having the emergency fund
• 10:28
  Speaker 8: is kind of important to me. Any advice on how
• 10:31
  Speaker 8: to figure out how much should be in there to
• 10:34
  Speaker 8: make sure that I don't become brick thanks.
• 10:37
  Speaker 6: First, like kudos to her for thinking an emergency fund,
• 10:39
  Speaker 6: because I literally would go overseas and come back with
• 10:42
  Speaker 6: not eve yeah, not even.
• 10:44
  Speaker 4: Yes, go to get McDonald's at the airport because you're
• 10:48
  Speaker 4: like exhausted, and you're like, I deserve.
• 10:50
  Speaker 2: Hash brown in your bank accounts, Like no, you don't.
• 10:52
  Speaker 5: Be No, you don't. You cannot afford a.
• 10:56
  Speaker 4: Single Okay, humbled, But I'll just wait for the dodgy
• 10:59
  Speaker 4: plane food and hope that there's a wetash brown in that.
• 11:05
  Speaker 2: Oh my gosh, plain food. Have you ever had anything crispy?
• 11:08
  Speaker 5: That's true? No, that's true.
• 11:10
  Speaker 2: Everything just comes out half steamed.
• 11:14
  Speaker 5: The steamers from up there, everything's steamed.
• 11:17
  Speaker 2: I don't know, I don't know, I don't e's efficient.
• 11:19
  Speaker 6: They're best back, they're in the sky. What do you expecting?
• 11:23
  Speaker 5: Their beggas can't be choosers.
• 11:28
  Speaker 4: Actually they can. Because Jess refuses to eat plain.
• 11:30
  Speaker 6: Food, Victoria gives me her role and I eat two rolls.
• 11:34
  Speaker 4: That's really he is very good. I also, I'm really nice.
• 11:38
  Speaker 4: I even donate the butter to her. I'm like, you
• 11:41
  Speaker 4: can have the butter as well because you can't have
• 11:42
  Speaker 4: a plane roll. And then if there's something she will eat,
• 11:45
  Speaker 4: I just will be like, I know you'll eat this.
• 11:46
  Speaker 4: Takeen because I scared she's going to starve because she
• 11:50
  Speaker 4: literally gets in the plane she's like, I'm not going
• 11:52
  Speaker 4: to eat that.
• 11:53
  Speaker 5: Oh, great friend.
• 11:54
  Speaker 4: I don't know if I am a great friend. Because
• 11:57
  Speaker 4: the flip side is I'm like, what's in yours around yours?
• 12:01
  Speaker 4: There's a trade happening.
• 12:02
  Speaker 5: That's a good trade off.
• 12:03
  Speaker 2: I feel like this.
• 12:04
  Speaker 4: Question is really important because it's something that none of
• 12:06
  Speaker 4: us do when traveling, but it's actually really essential. So
• 12:10
  Speaker 4: the first thing I was going to say before listening
• 12:11
  Speaker 4: to the whole question, because I'm really good at jumping
• 12:14
  Speaker 4: into conclusions before the actual question has been asked, is
• 12:16
  Speaker 4: I was going to say travel insurance is your number
• 12:19
  Speaker 4: one best friend. I've said it before on the podcast,
• 12:22
  Speaker 4: and is it privileged to say?
• 12:24
  Speaker 2: Absolutely? It is?
• 12:26
  Speaker 4: But I think it's really important. I do not believe
• 12:29
  Speaker 4: that you can afford to travel if you have not
• 12:32
  Speaker 4: purchased travel insurance, Like, I don't care if you're saying, oh,
• 12:36
  Speaker 4: but it makes the travel so much more expensive, cool,
• 12:38
  Speaker 4: you can't afford to travel, Like, I don't care how
• 12:41
  Speaker 4: aggressive I am with that, because I have seen the
• 12:44
  Speaker 4: flip side of how expensive it can be, how dangerous
• 12:47
  Speaker 4: it can be to travel without it. I have said
• 12:50
  Speaker 4: it before as well, I want insurance to be the
• 12:52
  Speaker 4: biggest waste of money in the entire world. I want
• 12:54
  Speaker 4: you to be like, well, I didn't use that travel insurance.
• 12:57
  Speaker 2: And I'll go good.
• 12:58
  Speaker 4: Yeah, because my good friend who ended up a paraplegic
• 13:02
  Speaker 4: by jumping into a pool completely stone cold, sober in Bali,
• 13:06
  Speaker 4: and had she not had travel insurance, she would have
• 13:09
  Speaker 4: ended up in hundreds of thousands of dollars worth of
• 13:13
  Speaker 4: debt just to get herself from Bali.
• 13:16
  Speaker 2: Back to Australia.
• 13:17
  Speaker 4: So it's one of those things where there's obviously always
• 13:20
  Speaker 4: a worst case scenario and we should be planning for it.
• 13:22
  Speaker 4: So that's why emergency funds are really important as well.
• 13:25
  Speaker 4: So once you've got your insurance, the other thing to
• 13:27
  Speaker 4: make sure is that everything you want to be included
• 13:30
  Speaker 4: is included. So something that I don't think a lot
• 13:33
  Speaker 4: of us realize because we just go, oh yeah, I'll
• 13:35
  Speaker 4: just pay for travel insurance. Often when you're going through
• 13:37
  Speaker 4: like booking flights, at the end, it'll say do you
• 13:39
  Speaker 4: want to add travel insurance and you go tickbox. Great,
• 13:42
  Speaker 4: that seems like a good price, but it might not
• 13:45
  Speaker 4: include the activities you're doing. So you need to be
• 13:47
  Speaker 4: careful go through all of the activities included and the
• 13:51
  Speaker 4: ones that I excluded. Because I remember when I was
• 13:54
  Speaker 4: headed and this is again really privileged.
• 13:56
  Speaker 2: Don't mind. I'll share.
• 13:57
  Speaker 4: I was going to New Zealand and I was like, okay, cool,
• 14:00
  Speaker 4: obviously going to get travel insurance, but I had to
• 14:03
  Speaker 4: pay more for snow cover because I was going overseas
• 14:06
  Speaker 4: to ski, which was really really fun. But then also
• 14:09
  Speaker 4: in the ski package there are exclusions like you can't
• 14:12
  Speaker 4: go off pissed, you can't do all of this other
• 14:15
  Speaker 4: stuff like helly skiing?
• 14:16
  Speaker 2: What off pissed?
• 14:21
  Speaker 4: Sorrys No, it means that like you're skiing on the
• 14:26
  Speaker 4: non groomed runs. So like if you go skiing and
• 14:29
  Speaker 4: there's like groomed runs, that's skiing on groomed field. If
• 14:32
  Speaker 4: you go up the top and you kind of go
• 14:34
  Speaker 4: a bit rogue god bit cross country that's called off
• 14:36
  Speaker 4: Pieced skiing, and yeah, it's not included. Sorry, I feel
• 14:41
  Speaker 4: like it makes me sound makes me sound real rish,
• 14:44
  Speaker 4: like when I talk off Pierce skiing, like I don't
• 14:46
  Speaker 4: do it because I'm very much of a chicken. If
• 14:48
  Speaker 4: you think I'm leaving this blue Run, you are wrong.
• 14:51
  Speaker 4: I'm not leaving the Blue Run. I will stay there.
• 14:54
  Speaker 4: I am there for the app ray ski. I want
• 14:55
  Speaker 4: the appar role in the snow. That's why I go ski.
• 14:58
  Speaker 4: My husband, on the other case, I think he goes
• 15:00
  Speaker 4: there to try and kill himself. Yeah, I think he
• 15:02
  Speaker 4: just goes, you know what, straight down the double black Diamond.
• 15:05
  Speaker 2: Can I skate? He's like, well, we'll find out.
• 15:08
  Speaker 6: Chin Box is not going to cover.
• 15:09
  Speaker 2: Stiff No, no, no no.
• 15:10
  Speaker 4: So you've just got to be really careful about what
• 15:12
  Speaker 4: is in isn't included, because things like whitewater rafting might
• 15:15
  Speaker 4: not be included. If you're going to Bali and I
• 15:17
  Speaker 4: think that, you know, you might think that's a really
• 15:19
  Speaker 4: good thing to do. Cars might not be included. So
• 15:23
  Speaker 4: it's important to make sure these things are included before
• 15:25
  Speaker 4: you go into it. And it can be a bit
• 15:27
  Speaker 4: of a boring exercise. Important though. On top of that,
• 15:31
  Speaker 4: an emergency fund. I don't know where you're going. You
• 15:35
  Speaker 4: said a month, a month in the south of Italy,
• 15:38
  Speaker 4: different story to a month in Bali. Obviously those things
• 15:42
  Speaker 4: cost different amounts of money. On average, I'd probably be
• 15:45
  Speaker 4: looking at having maybe about twenty percent of your travel
• 15:47
  Speaker 4: costs in an emergency fund should something happen. This is
• 15:51
  Speaker 4: above and beyond you're like spending money and what you're
• 15:54
  Speaker 4: actually planning. This is in case something happens and you
• 15:57
  Speaker 4: need to get emergency accommodation or an emergency flight. It's
• 16:00
  Speaker 4: going to depend on your circumstances as to what is
• 16:04
  Speaker 4: applicable because I don't know. Maybe you booked non refundable flights.
• 16:08
  Speaker 4: What if you booked flights that are flexible and you
• 16:11
  Speaker 4: can just change the date on them, that might change
• 16:13
  Speaker 4: how much emergency money you actually need. Because Jesse, if
• 16:16
  Speaker 4: you needed to get home early, we could just change
• 16:18
  Speaker 4: the travel booking for forty dollars. Whereas maybe you booked
• 16:21
  Speaker 4: with a cheaper airline where you don't have refundable or
• 16:24
  Speaker 4: changeable flights. Well, to get home early, you're going to
• 16:27
  Speaker 4: have to book an entirely new flight, and that may be,
• 16:29
  Speaker 4: you know.
• 16:29
  Speaker 2: Six hundred dollars, it might be two thousand dollars.
• 16:32
  Speaker 4: You don't know, So it's really important to kind of
• 16:34
  Speaker 4: look at what that looks like. In a perfect world,
• 16:37
  Speaker 4: you don't use your emergency money, and I know that
• 16:39
  Speaker 4: you go, oh, what's the point in having an emergency
• 16:41
  Speaker 4: fund for travel? I think it's really important to put
• 16:44
  Speaker 4: it to the side. But hopefully you get home and
• 16:47
  Speaker 4: that money can either go into your pre existing emergency
• 16:50
  Speaker 4: fund to top that up, or it can go into
• 16:53
  Speaker 4: your next trip. So it's not going to be money
• 16:55
  Speaker 4: that's wasted. It's money that's going towards something really practical,
• 16:59
  Speaker 4: and some I think that's actually going to, you know,
• 17:01
  Speaker 4: put you in the best position. And what's better than
• 17:04
  Speaker 4: having a stress free holiday, Like you're not going overseas
• 17:07
  Speaker 4: to stress. You're going overseas hopefully to have a bit
• 17:09
  Speaker 4: of a break, and I promise you're going to be
• 17:11
  Speaker 4: far less stressed if you feel like everything financially is sorted.
• 17:16
  Speaker 6: Question does your holiday emergency fund need to be a
• 17:20
  Speaker 6: separate emergency fund from your regular one?
• 17:22
  Speaker 2: No, it doesn't.
• 17:23
  Speaker 5: Good question.
• 17:24
  Speaker 2: It is a good question, Thank you. No, it doesn't.
• 17:27
  Speaker 4: But I think a lot of people are in circumstances
• 17:30
  Speaker 4: where they might not have an emergency fund yet, and
• 17:33
  Speaker 4: they ask this question. If I personally was going overseas,
• 17:37
  Speaker 4: I wouldn't be allocating money to a specific emergency fund
• 17:40
  Speaker 4: because I have access to my normal emergency fund. But
• 17:43
  Speaker 4: I think a lot of people are in circumstances where
• 17:46
  Speaker 4: they might still live at home, and they're like, oh,
• 17:48
  Speaker 4: I don't really need an emergency fund or their emergency
• 17:51
  Speaker 4: funds just like three or four hundred dollars because the
• 17:54
  Speaker 4: bank of Mum and Dad comes into it.
• 17:55
  Speaker 2: Let's be honest.
• 17:56
  Speaker 4: It's a very privileged position to be in, but that's
• 17:59
  Speaker 4: the real of a lot of our community. So I
• 18:02
  Speaker 4: think it's important to go, have I got an emergency
• 18:04
  Speaker 4: fund that I could use for travel. If the answer
• 18:07
  Speaker 4: is no, we need to create it before we go.
• 18:09
  Speaker 4: And if the answer is yes, then we can just
• 18:10
  Speaker 4: rely on the pre existing one. But at the end
• 18:12
  Speaker 4: of the day, it is important to have access to
• 18:15
  Speaker 4: money if you are not at home. It's important to
• 18:17
  Speaker 4: have access to money at all times. But I think
• 18:20
  Speaker 4: baby steps are really important. And if it's like your
• 18:22
  Speaker 4: first time traveling overseas, and you're eighteen and you're not
• 18:24
  Speaker 4: really sure. The answer is yes, Yeah.
• 18:27
  Speaker 6: I wish eighteen year old Jess had thought about that
• 18:29
  Speaker 6: before she got her iPhone stolen in a foreign country.
• 18:31
  Speaker 2: She was fine, wasn't she? She was fine?
• 18:34
  Speaker 6: But came home no money and no iPhone. Oh sucks
• 18:37
  Speaker 6: to me.
• 18:38
  Speaker 2: What did you do?
• 18:39
  Speaker 4: Just go into debt to get in your iPhone? Because
• 18:40
  Speaker 4: that's probably what eighteen year old Victoria would have done. Yeah, samely,
• 18:44
  Speaker 4: liaber All on the same page.
• 18:45
  Speaker 7: Did you feel a bit wholesome having screen off time?
• 18:49
  Speaker 7: It's not phone addicted then, so it wasn't you know?
• 18:52
  Speaker 5: Yeah, that makes sense.
• 18:53
  Speaker 2: If you took my phone off me, i'd legitimately feel naked.
• 18:55
  Speaker 5: Yeah, yeah, I feel like that.
• 18:58
  Speaker 2: Yeah, like she actually would. Yeah, let's be honest.
• 19:01
  Speaker 4: All right, let's move on because this week, Jess, we
• 19:04
  Speaker 4: have a community concern that I think it's going to
• 19:06
  Speaker 4: get a little bit heated. And I don't mean heated
• 19:09
  Speaker 4: from this table. I feel like I feel like I've
• 19:12
  Speaker 4: learned bex ways of the world thus far.
• 19:14
  Speaker 5: I feel like on the fence.
• 19:16
  Speaker 4: Yees sit on the fence, don't have no I feel
• 19:19
  Speaker 4: like we're going to be on the same page about this.
• 19:20
  Speaker 6: Okay, I have a very clear like as soon as
• 19:22
  Speaker 6: I read this question, I was like, there is one
• 19:25
  Speaker 6: answer in my mind and one answer.
• 19:28
  Speaker 4: Agreed, agreed, and I feel like we're all going to
• 19:30
  Speaker 4: be on the same page. But I want to see
• 19:31
  Speaker 4: what our DM's say. Okay, So our community dilemma was this,
• 19:34
  Speaker 4: It's aid, hello, ladies, A bit of a weird one
• 19:37
  Speaker 4: for you. I drove my girlfriends into the train station
• 19:40
  Speaker 4: on a night out because everyone was a little bit
• 19:42
  Speaker 4: too poor to a for manouver, so I volunteered to
• 19:44
  Speaker 4: drives all in the place I parked ended up getting
• 19:47
  Speaker 4: me a parking fine in Bracketts. She said it was
• 19:49
  Speaker 4: dark and I didn't check the parking signs. I'm feeling
• 19:52
  Speaker 4: a little bit salty now, and I know it's my fault,
• 19:54
  Speaker 4: but I feel like we should be splitting this between
• 19:56
  Speaker 4: all of us. I took one for the team, and
• 19:58
  Speaker 4: I also used my fuel and none of us noticed
• 20:01
  Speaker 4: the signs. So I don't really want to be coughing
• 20:03
  Speaker 4: up one hundred and twenty three dollars for a parking
• 20:05
  Speaker 4: fine at the moment.
• 20:06
  Speaker 6: So much money for a parking fine.
• 20:08
  Speaker 5: Yeah, that's very like there used.
• 20:10
  Speaker 2: To be like eighty dollars.
• 20:11
  Speaker 6: Yeah, Max, even seventy. I'm pretty sure I've paid one
• 20:14
  Speaker 6: before that was like seventy dollars.
• 20:15
  Speaker 2: Yeah, it's insane, La, it's insane. Do you know what?
• 20:18
  Speaker 4: Like side note, parking in the city is going to
• 20:21
  Speaker 4: cost you the same, so maybe just risk it for
• 20:23
  Speaker 4: the biscuit.
• 20:24
  Speaker 5: Yeah, I do that. I do that.
• 20:25
  Speaker 2: I do that.
• 20:26
  Speaker 5: I mean I feel like we're all going to agree
• 20:28
  Speaker 5: on this.
• 20:29
  Speaker 2: I would not.
• 20:31
  Speaker 4: Jess would never risk it for the biscuit. She'd pay
• 20:33
  Speaker 4: for the parking. I know it.
• 20:34
  Speaker 5: Yeah, oh you paid the parking.
• 20:35
  Speaker 7: But if you did get a fine, yeah, and you
• 20:38
  Speaker 7: were driving your mates around and you got a fine,
• 20:40
  Speaker 7: I personally would one hundred percent pay the fine. But
• 20:44
  Speaker 7: this is all by yourself or by myself. This is
• 20:47
  Speaker 7: my little hack though.
• 20:49
  Speaker 4: And are you about to say are you about to say,
• 20:54
  Speaker 4: just never volunteer to drive your friends around?
• 20:57
  Speaker 7: No, much worse, much more. I just don't pay it.
• 21:00
  Speaker 7: And then but wait, but then it goes to it.
• 21:03
  Speaker 5: No, it goes it goes to VIC fines.
• 21:06
  Speaker 7: And then I jump online and do pay in installments
• 21:09
  Speaker 7: and I do like ten bucks a month and then
• 21:11
  Speaker 7: I can pay it off. It doesn't feel like anything
• 21:13
  Speaker 7: that's gen I.
• 21:13
  Speaker 2: Just gotta wait, what are you two doing? That is debt?
• 21:16
  Speaker 5: No? No, I mean yes, yes, yes you can existed.
• 21:21
  Speaker 6: Yes it is debt, but I believe like it's a
• 21:23
  Speaker 6: payment plan. It's not as if you're taking out a loan,
• 21:26
  Speaker 6: and I believe that. I feel like that's actually a
• 21:29
  Speaker 6: really stort to pay then have to pay differently for a.
• 21:33
  Speaker 7: Different because I feel like if you just cannot satom
• 21:36
  Speaker 7: paying one hundred and twenty three dollars in the parking fine.
• 21:38
  Speaker 5: Then honestly wait until it goes to VIC fines and
• 21:42
  Speaker 5: then paid off as as fast or as slow as
• 21:44
  Speaker 5: you need to.
• 21:45
  Speaker 6: Yeah, where do you sit on this? Because now I
• 21:47
  Speaker 6: feel like maybe we don't have the same.
• 21:48
  Speaker 5: Yeah, I'm kind of confused.
• 21:49
  Speaker 2: I thought we were all going to have the same opinion.
• 21:52
  Speaker 6: Do you think they should split it?
• 21:53
  Speaker 4: I'm assuming given the context of the message, so saying,
• 21:58
  Speaker 4: you know, we all couldn't afford that, uber like, it's
• 22:01
  Speaker 4: not I am in a full time working environment where
• 22:05
  Speaker 4: one hundred and twenty three dollars, you know, could be
• 22:07
  Speaker 4: split over a few months and become palatable. I'm getting
• 22:11
  Speaker 4: the vibe. I'm picking up that they're unique students. I
• 22:15
  Speaker 4: think that there should be some hey, we got a fine,
• 22:17
  Speaker 4: what should we do and have a chat? Like I
• 22:19
  Speaker 4: would be mortified to find out that Beck got a
• 22:21
  Speaker 4: parking fine for driving me to the train station and
• 22:24
  Speaker 4: then she didn't say anything to me, Like I would
• 22:27
  Speaker 4: not want her to be financially impacted by helping me
• 22:31
  Speaker 4: or doing something for me, especially if the driving was
• 22:35
  Speaker 4: a joint decision of Beck and I. I didn't see
• 22:38
  Speaker 4: it either, Like I didn't see the signs either. Why
• 22:41
  Speaker 4: would Beck see the signs? I think that it's some
• 22:45
  Speaker 4: of my responsibility.
• 22:46
  Speaker 6: I fully see where you're coming from, Like, I completely
• 22:48
  Speaker 6: understand that logic, and I think, like, are you.
• 22:51
  Speaker 2: Saying that if I get a fine, I've got to
• 22:52
  Speaker 2: pay for the whole thing.
• 22:55
  Speaker 6: I just think I see myself out on this one.
• 22:58
  Speaker 6: I my stands on this, and like I'm the same
• 23:01
  Speaker 6: as you. I think if someone drove me somewhere and
• 23:03
  Speaker 6: they got to find like I would want to contribute.
• 23:05
  Speaker 6: But I think it's very different to being like I
• 23:07
  Speaker 6: drove everyone and I want people to put in for
• 23:10
  Speaker 6: petrol because they knew that I was getting in and
• 23:12
  Speaker 6: they were going to drive versus ultimately you, as the driver,
• 23:16
  Speaker 6: made a mistake. That was your responsibility to look in
• 23:20
  Speaker 6: the same way that if you had gotten a speeding fine, yes,
• 23:23
  Speaker 6: I would say the same thing, like that's yea as
• 23:25
  Speaker 6: the driver, particularly of a car of people who did
• 23:28
  Speaker 6: she say they've been drinking.
• 23:29
  Speaker 4: No, she didn't say they've been drinking. I think we
• 23:31
  Speaker 4: just assumed because they were, like you might have.
• 23:34
  Speaker 6: Had a couple of beverages, perhaps even like regardless of
• 23:38
  Speaker 6: whether they had to.
• 23:38
  Speaker 4: I don't want someone to be financially worse off because
• 23:41
  Speaker 4: I didn't.
• 23:42
  Speaker 2: I agree, Like, I agree.
• 23:43
  Speaker 6: I think the nice thing, yeah, I would be for
• 23:45
  Speaker 6: maybe be like, oh my god, I got a parking fine.
• 23:47
  Speaker 6: How annoying.
• 23:48
  Speaker 8: Guys.
• 23:49
  Speaker 2: I'd pay your parking fines, but you wouldn't pay mine.
• 23:52
  Speaker 6: I'm happy with that outcoud No. But I just think
• 23:54
  Speaker 6: if you're taking on the responsibility of driving in the
• 23:57
  Speaker 6: same way that you take on the responsibility of not
• 23:59
  Speaker 6: hitting someone with your car as the driver, you take
• 24:02
  Speaker 6: on the responsibility of not speeding and getting a speeding fine,
• 24:05
  Speaker 6: you take on the responsible and it sucks. Melbourne parking
• 24:07
  Speaker 6: the worst. The signs so confusing, like fully, no judgment
• 24:11
  Speaker 6: from rebabe. I've been there. But I do think and
• 24:14
  Speaker 6: I know that she's not gonna like this answer because
• 24:15
  Speaker 6: it is kind of a sucking answer because she's wanting
• 24:17
  Speaker 6: us to have her back, but.
• 24:19
  Speaker 2: I've got your back. Might not, but I do.
• 24:23
  Speaker 5: Emotionally I do. Yeah, technically technically not, but I emotionally do.
• 24:27
  Speaker 4: In reality, if I got a parking fine, you've met me,
• 24:31
  Speaker 4: do you really think I'm just going to be accepted
• 24:32
  Speaker 4: sitting down, I'm going to be arguing it. I'm gonna
• 24:36
  Speaker 4: be like, okay, cool, where were the signs? I didn't
• 24:38
  Speaker 4: see them? Can you please provide the photos of my.
• 24:40
  Speaker 6: Car coming full circle? Situation sucks? Don't support that either?
• 24:45
  Speaker 6: Do the payment things? Or did you know that? You
• 24:48
  Speaker 6: don't just have to copy fine? You can argue it,
• 24:50
  Speaker 6: and you can say if you've never had an infringement before,
• 24:53
  Speaker 6: they're very likely to be kind and let you off
• 24:56
  Speaker 6: with a want if you explain the situation you say
• 24:57
  Speaker 6: it was time.
• 24:59
  Speaker 4: I've never had infringement because I've talked my way out
• 25:01
  Speaker 4: of every single one of them.
• 25:02
  Speaker 5: Wow, that's really impressive.
• 25:04
  Speaker 6: No, that's not true.
• 25:05
  Speaker 4: That's gabby.
• 25:08
  Speaker 6: I've definitely had one instance where I felt like I
• 25:10
  Speaker 6: was not at fault and I said that, and I,
• 25:13
  Speaker 6: you know, the system was really kind to me, and
• 25:15
  Speaker 6: they system was going, yeah, they the find. So I
• 25:20
  Speaker 6: feel like, if you're in that situation where it was
• 25:21
  Speaker 6: really dark and maybe the sign was covered by some
• 25:23
  Speaker 6: leaves or whatever, the worst thing you can do is
• 25:26
  Speaker 6: appeal it and see what happens so that nobody is
• 25:29
  Speaker 6: stressed financially. But I think if I was the driver,
• 25:32
  Speaker 6: I would just be copying it on the chin personally.
• 25:35
  Speaker 2: But what are the people.
• 25:38
  Speaker 6: I did.
• 25:39
  Speaker 4: I thought that you guys would have my back, and
• 25:41
  Speaker 4: then you did it.
• 25:43
  Speaker 5: It's like a conger line of having each other's back.
• 25:46
  Speaker 4: Yeah, okay, the common line circle and it's just you
• 25:49
  Speaker 4: two holding hands watching me stand by myself in the is.
• 25:53
  Speaker 5: Yeah, nowadays, I really okay different.
• 25:55
  Speaker 4: So it turns out I'm actually in the minority here.
• 25:59
  Speaker 5: That's kindness. I'm fine, I'm not vacation.
• 26:04
  Speaker 4: I'm not surprised you guys are happy with this. I'm
• 26:06
  Speaker 4: not paying for lunch today. Just so you know, there
• 26:11
  Speaker 4: were a fair few comments, all of them really validating
• 26:13
  Speaker 4: the two of you.
• 26:14
  Speaker 2: It was their own fault. They're the driver.
• 26:16
  Speaker 4: I don't want to be splitting the cost for something
• 26:18
  Speaker 4: that was not my fault because I wasn't the driver.
• 26:21
  Speaker 4: Someone did say, get it, queen, thank you. I'd offer
• 26:24
  Speaker 4: to split, as it's not fair on the driver. Someone said,
• 26:27
  Speaker 4: I'd just be too scared to ask my friends to
• 26:29
  Speaker 4: split it, so I'd just pay it. Someone said, sadly,
• 26:32
  Speaker 4: I really think this one's on the driver. If you
• 26:34
  Speaker 4: got a speeding ticket, would you expect them to split it.
• 26:38
  Speaker 4: I swear you've got little minions in our community. Jessica
• 26:41
  Speaker 4: who just comment on things to have your back. It's
• 26:44
  Speaker 4: just me from ten thousand different accounts, be bothered.
• 26:50
  Speaker 6: She's got really great opinions.
• 26:52
  Speaker 4: Someone said, I don't think that they should be paying.
• 26:55
  Speaker 4: Maybe they should have paid for some fuel or shouting
• 26:58
  Speaker 4: in a drink or something, but not the fine. Someone
• 27:01
  Speaker 4: said this happened to me on the Gold Coast. My
• 27:03
  Speaker 4: friends just sent me their share without me even asking.
• 27:06
  Speaker 6: Oh that's nice.
• 27:07
  Speaker 2: See, that's nice. They are the types of friends I
• 27:10
  Speaker 2: want to have, knows.
• 27:14
  Speaker 4: Someone said, perhaps not splitting the whole cost, but they
• 27:16
  Speaker 4: definitely should have contributed towards petrol. I feel like everybody's
• 27:21
  Speaker 4: just beckon jests team today. Yeah, splitting it. Everyone could
• 27:25
  Speaker 4: have checked for parking signs and they drove and us petrol.
• 27:29
  Speaker 4: Someone said, nope, Unfortunately the cost goes straight to the
• 27:32
  Speaker 4: driver unless a friend pointed out where to park and
• 27:35
  Speaker 4: they disregarded it.
• 27:37
  Speaker 6: That's a good point.
• 27:37
  Speaker 5: That is a good point.
• 27:39
  Speaker 4: Yeah, if you're the passenger, that is not your responsibility.
• 27:42
  Speaker 4: Someone else said. Someone said, I think you can always
• 27:44
  Speaker 4: ask your friends, but be prepared for them to just
• 27:47
  Speaker 4: say no. So I'm not going to go on and
• 27:50
  Speaker 4: on because I genuinely think that you guys might be
• 27:54
  Speaker 4: in the majority here and I'm in the minority, and
• 27:56
  Speaker 4: going on and on is actually going to put me
• 27:58
  Speaker 4: in a worse off hole. So you know what, I'm
• 28:01
  Speaker 4: going to pay for the parking fines. Moving on, I'm
• 28:03
  Speaker 4: not going to ask you to pay for my parking
• 28:05
  Speaker 4: fines because you guys, you know you guys.
• 28:08
  Speaker 2: Will be walking your driving past. So yeah, we'll see
• 28:18
  Speaker 2: you on the flip side.
• 28:18
  Speaker 5: See you then, Bye bye everyone.
• 28:27
  Speaker 4: The advice shared on She's on the Money is general
• 28:29
  Speaker 4: in nature and does not consider your individual circumstances.
• 28:33
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• 28:35
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• 28:38
  Speaker 4: an investment or financial decision. If you do choose to
• 28:41
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• 28:45
  Speaker 4: appropriate financial advice tailored towards your needs. Victoria Divine and
• 28:49
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• 28:54
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• 29:01
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