Latest / She's On The Money / Travel Savings Hacks & How to Get Friends to Pay You Back (Without the Awkwardness!)

Transcript

Travel Savings Hacks & How to Get Friends to Pay You Back (Without the Awkwardness!) · 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 Whaltbury 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 the Money. That makes
1:00
Speaker 4: personal finance fun, especially on Fridays. It is actually our
1:05
Speaker 4: favorite day of the week. Surprise surprise there because we
1:07
Speaker 4: get our team together to celebrate you, our incredible She's
1:11
Speaker 4: on the Money community, Miss Jessicricci, She's going to be
1:14
Speaker 4: sharing our favorite money wins. Miss Becsayed is here sharing
1:17
Speaker 4: her broke tips. We're going to be helping to answer
1:20
Speaker 4: our money dilemma, which this week is about saving money
1:22
Speaker 4: on travel and something that you slid into my dams
1:25
Speaker 4: about were chatting this week.
1:27
Speaker 5: About what to do when friends.
1:29
Speaker 2: Owe you money. Oh awkward.
1:33
Speaker 5: Yes, But before we get there, how are your weeks.
1:36
Speaker 2: Very good this week? You know what, it's a very
1:38
Speaker 2: good day for me because I don't know if I've
1:40
Speaker 2: told the potty of this, but I've definitely cried to
1:43
Speaker 2: you two about it. My cat recently had what's called
1:45
Speaker 2: radio id in therapy treatment whatever, so he was radioactive.
1:49
Speaker 2: Like literally, Rabel, tell the class what you did. I
1:53
Speaker 2: did buy a Geigercounter, which I didn't even know existed.
1:57
Speaker 2: That's rule the level. Not because I was concerned for
2:00
Speaker 2: my own health, but because I was hoping that so
2:03
Speaker 2: he radioactive less, so I could cuddle him sooner. Because
2:06
Speaker 2: the holy shoe for everyone at home is he had
2:08
Speaker 2: to spend a week at the vet, which was very
2:10
Speaker 2: sad because I knew he'd be scared, and then for
2:11
Speaker 2: two weeks at home we couldn't touch him and cuddle him.
2:14
Speaker 2: Had to keep him locked out of the room, which
2:17
Speaker 2: would have been like hello, fully, I'm so worried that
2:21
Speaker 2: he's thought that we don't love him anymore. Anyway, I've
2:25
Speaker 2: cried about it many a time.
2:26
Speaker 4: Well, I locked my cat in the pantry the other
2:28
Speaker 4: day by accident, and then in the middle of the
2:30
Speaker 4: night here.
2:33
Speaker 2: Says that possible.
2:36
Speaker 4: Turns out now it was my cat in the ban
2:37
Speaker 4: and tree. So I'm a terrible cat mum, You're a
2:39
Speaker 4: great cat mum.
2:41
Speaker 2: I wasn't gonna starve to death. But yeah, it's been
2:44
Speaker 2: a very rough three weeks because that. But today marks
2:47
Speaker 2: the end of the three week period, so I could
2:49
Speaker 2: officially cuddle you mentioned make sure he's not radioactive. I
2:54
Speaker 2: was literally like, I'm not even gonna look at it
2:56
Speaker 2: because if it's too I don't care. They said, they
2:59
Speaker 2: said the end of three weeks if I could hug him,
3:00
Speaker 2: So now I'm gonna hug him.
3:02
Speaker 4: As with that, also, she did bring that Geiger counter
3:05
Speaker 4: into the office and I tested everything.
3:07
Speaker 2: Yeah, it was very Did you find anything quite radioactive? No,
3:13
Speaker 2: was quite bad.
3:15
Speaker 4: I've just decided that the dangerous defective. Sure, it was
3:18
Speaker 4: like fifteen And what was the dangerous? I think under
3:20
Speaker 4: fifty is like normal every day like And what was
3:23
Speaker 4: your measuring the day you brought him home?
3:25
Speaker 2: Like two thousands?
3:26
Speaker 4: My wow, he fully was radioactive Because I said to Jess,
3:30
Speaker 4: do you reckon? Like I don't know how these things are,
3:32
Speaker 4: but do you reckon they're just being really conservative, like
3:36
Speaker 4: how I don't know how that really really yeah, really
3:40
Speaker 4: radioactive really yeah. Maybe that's just showing that I am
3:43
Speaker 4: wildly uneducated, which is true until now. And Jess brought
3:47
Speaker 4: me a ga encounter so cute.
3:51
Speaker 2: So that's a great day for me.
3:52
Speaker 5: That's very nice, Jess me. You know, I've just live
3:55
Speaker 5: and laugh and love and I have such a nice week.
3:58
Speaker 5: I live in my new house with my friend.
4:01
Speaker 2: It's so sweet.
4:02
Speaker 5: It just feels like it's what I've always wanted.
4:03
Speaker 2: Dining chairs now here we do have not.
4:05
Speaker 5: Now Jess has brought some dining chairs, thank you so much,
4:08
Speaker 5: so we can finally sit and but it's just like
4:11
Speaker 5: I've always wanted that kind of lifestyle where my friends
4:13
Speaker 5: just kind of like it's like a revolving door and there's.
4:15
Speaker 2: Always just someone.
4:17
Speaker 5: Someone around and it's so nice.
4:19
Speaker 2: I really I'm really.
4:20
Speaker 5: Happy right now.
4:21
Speaker 2: So I love this. The front of your new house
4:24
Speaker 2: fully attached, unlike.
4:25
Speaker 5: The last Yes, shockingly, and we've never I've never been
4:30
Speaker 5: you know, I've never had a house it's not detached,
4:32
Speaker 5: and every corner it kind of does and it's still
4:35
Speaker 5: it's a very old house and it definitely plants personality
4:38
Speaker 5: personally and the liner is like fully coming up and
4:40
Speaker 5: that's but that's okay because the house is attached at
4:43
Speaker 5: every corner and that's all.
4:46
Speaker 2: Thank you. Yeah, just like chuck it.
4:48
Speaker 5: We just chucked a rug over it.
4:50
Speaker 2: That's perfect.
4:51
Speaker 5: Then, yes, stunning absolutely has my went good.
4:55
Speaker 2: I've been in the office.
4:56
Speaker 5: We've been just working our lives away.
4:59
Speaker 4: I feel like because we had Jacqueline, one of our
5:01
Speaker 4: mortgage brokers, on the podcast, honestly such a great episode,
5:05
Speaker 4: but that did spike a little bit more interest, so
5:08
Speaker 4: we have been run off our feet, which we are
5:10
Speaker 4: very grateful for.
5:11
Speaker 5: We have a hit more like.
5:12
Speaker 4: First home Buyers in the Weekings, which I don't know,
5:14
Speaker 4: it's just there's something special about helping people get into
5:17
Speaker 4: their first homes or like, one thing that I thought
5:20
Speaker 4: a lot of people learned from that episode is that
5:22
Speaker 4: you don't need to have your deposit before you speak
5:24
Speaker 4: to a broker. And I think a lot of us think, oh,
5:27
Speaker 4: I don't want to really waste someone's time or have
5:29
Speaker 4: a chat, but we're speaking to some people who are like, oh,
5:32
Speaker 4: I would love to buy a house and it's.
5:34
Speaker 2: Just a good week.
5:35
Speaker 4: Yeah, I've just been working, guys, that's it, just working lady. Yeah,
5:39
Speaker 4: do you want because my week hasn't been arguably as
5:43
Speaker 4: exciting as it could be. But you know what, he's exciting?
5:46
Speaker 4: Five star review Yes, are you ready ready? This is
5:49
Speaker 4: cloder is their username. Five star review says I was
5:55
Speaker 4: first introduced to She's on the Money three years ago
5:57
Speaker 4: when my sister handed me their first book. Ever since then,
6:00
Speaker 4: I have listened to this podcast religiously. My money story
6:04
Speaker 4: has completely changed for the better. I feel so educated
6:07
Speaker 4: and empowered. Never in my wildest dreams did I think
6:10
Speaker 4: I would be investing and have a property.
6:12
Speaker 2: Oh, here we are.
6:15
Speaker 5: The episodes have something for everyone. I won't lie.
6:18
Speaker 4: I do sometimes have to replay things back so I
6:20
Speaker 4: can understand them. But the dynamics of the team really
6:23
Speaker 4: helped to make this podcast accessible to all. Even my
6:26
Speaker 4: boyfriend loves when I play this in the car. Thanks ladies,
6:30
Speaker 4: we love a little bit of girl power.
6:32
Speaker 2: Love soad.
6:35
Speaker 4: It's just the idea that you didn't think you were
6:37
Speaker 4: going to invest or, you didn't think you would own property.
6:40
Speaker 5: Yeah, that's what should go so sick.
6:42
Speaker 2: It's actually just so cool.
6:44
Speaker 5: That people are like, oh, I did it myself. I
6:46
Speaker 5: just needed a little bit of a kick. Yeah, yeah, yeah,
6:50
Speaker 5: I'll do that for really cool fun. Congratulations. I'm so
6:54
Speaker 5: excited about that. But another exciting thing is the Facebook group. Yes,
6:58
Speaker 5: every single week we drop a thread where you can
7:01
Speaker 5: share your money wins and confessions, and then you pick
7:03
Speaker 5: a handful of them to share on the show. What
7:06
Speaker 5: have you raked in this week? Alrighty?
7:08
Speaker 2: Firstly, I've got one this week from Catherine, who said
7:10
Speaker 2: today is the first time ever in over a decade.
7:14
Speaker 2: I haven't had two kids in childcare. Oh my gosh.
7:17
Speaker 2: That must be very relieving. She'll be saving over twelve
7:21
Speaker 2: thousand dollars a year alone just in daycare expenses, which
7:24
Speaker 2: is pretty incredible. And there is a light at the
7:26
Speaker 2: end of the tunnel for all the parents who are
7:27
Speaker 2: pulling double duty currently. Next, I've got a money win
7:30
Speaker 2: from Aloise, who said she recently discovered that her gym
7:33
Speaker 2: has those full body massage ches and apparently they're amazing.
7:38
Speaker 2: She says she now does like two massages a week
7:40
Speaker 2: and she doesn't have to pay for them. She's saving
7:42
Speaker 2: money left, right and center.
7:43
Speaker 5: Oh my gosh, I would go more than two times.
7:45
Speaker 2: Where is this place? Aisha said. Apparently Planet Fitness is
7:50
Speaker 2: really good. It's nine dollars a week for membership and
7:52
Speaker 2: they give free weekly spray hands and massages. I think
7:55
Speaker 2: that's in a miracle. Why no, I am so excited.
7:59
Speaker 4: Why because I live on TikTok and I saw that
8:01
Speaker 4: and I was like, what do you mean your gym
8:04
Speaker 4: does free spray tns. I would pay for them, yeah,
8:10
Speaker 4: but it might be in Australia. So if someone could
8:12
Speaker 4: slide into our dms and be like, hey, well, actually.
8:15
Speaker 5: I'll do some research in Australia. I'm sure they're American listeners,
8:18
Speaker 5: so that's good for them to know.
8:20
Speaker 4: I think I saw the other day alright, Hey, so
8:23
Speaker 4: his name's Matt. He's on Instagram and TikTok and I
8:26
Speaker 4: really like his content. I'm pretty sure I saw him
8:29
Speaker 4: say that he used his Jym spray tanner. Oh I
8:32
Speaker 4: didn't see this video, yes, and like it was automated,
8:35
Speaker 4: but he was so loud and he couldn't hear the instructions,
8:39
Speaker 4: so we basically only spray tanned his front and said
8:41
Speaker 4: that his back was not his not his business.
8:43
Speaker 5: And I was like slay, so maybe it's in Australia
8:47
Speaker 5: as well.
8:48
Speaker 2: Maybe Okay, that's that really really, I'll do some research
8:50
Speaker 2: and report back to you that next week. But I
8:52
Speaker 2: was like, that would be un real.
8:54
Speaker 5: It's like quite expensive, no, spray can. I think it's
8:57
Speaker 5: about fifty or sixty dollars. I'm not saying that that's everywhere. Yeah,
9:02
Speaker 5: depends because I think, yeah, like I think you could
9:06
Speaker 5: probably get I don't know, remember in high school spraytann's
9:08
Speaker 5: weally twenty dollars, but now they're or I think that
9:12
Speaker 5: they're expensive, and like I mean, I live in inner
9:14
Speaker 5: city Melbourne, so they're probably more expensive than further out.
9:18
Speaker 4: But yeah, that's a lot of money. Yeah, I'll only
9:20
Speaker 4: get a spray tann if there's a really good event
9:22
Speaker 4: coming up.
9:23
Speaker 2: Yeah. Same.
9:24
Speaker 4: Otherwise catch me fake tanning in my bathroom all oh
9:27
Speaker 4: yeah yeah.
9:28
Speaker 2: Pemi stuff just as good.
9:29
Speaker 4: Yeah, it does it perfectly, honestly, and again the back
9:32
Speaker 4: of my body is not my business.
9:34
Speaker 2: Completely agree, Completely agree. Next, I've got a money in
9:38
Speaker 2: from Carrie who said she got a free chip from Coals.
9:41
Speaker 2: She went to pick up her groceries on Saturday and
9:43
Speaker 2: someone had apparently bought them all. They bought ten plus chickens,
9:45
Speaker 2: which is crazy.
9:46
Speaker 5: So she's doing I have questions, got some question.
9:50
Speaker 2: She asked how far away the next ones were. It
9:52
Speaker 2: was over an hour. So she got the voucher that
9:54
Speaker 2: you get. Apparently there's no chickens available. I think we
9:56
Speaker 2: mentioned this before you get an So she did that,
10:00
Speaker 2: and now she said she's eating her free roast chok
10:02
Speaker 2: for lunch today. Good on you, very very good win. Next,
10:06
Speaker 2: I've got a money in from Christy, who said she
10:09
Speaker 2: repurposed address that she used to love, but she didn't
10:12
Speaker 2: like the straps on. She used her sewing skills to
10:14
Speaker 2: change from tie up straps to adjustable bra type straps. Boom,
10:18
Speaker 2: new dress. Kind of I love that. That's very disagreed,
10:22
Speaker 2: She coded, sewing is an underrated skill. I feel like
10:24
Speaker 2: taking something you've loved but maybe don't love anymore because
10:27
Speaker 2: it doesn't fit the way it used to, or you
10:28
Speaker 2: just want to refresher total vibe. And then lastly, this week,
10:33
Speaker 2: I've got a money in from Emma, who said, oh
10:35
Speaker 2: my goodness, I've been waiting to share this all week.
10:37
Speaker 2: Thanks Emma. Like many others, I have a technology draw
10:40
Speaker 2: at home with old phones and gaming consoles and things
10:43
Speaker 2: like that in it. She took them to trade in
10:46
Speaker 2: at CeX Electronic Exchange and walked away with a little
10:50
Speaker 2: over six hundred bucks.
10:52
Speaker 5: Cool.
10:52
Speaker 2: She said the items were great quality and otherwise would
10:54
Speaker 2: have gone to Eway, so she had a little bit
10:56
Speaker 2: side cash and now she's happy knowing someone else will
10:58
Speaker 2: get to use the part or the items themselves instead
11:02
Speaker 2: of it going to Landfield. Great. That's actually so good.
11:05
Speaker 2: Good reminder. I definitely have a couple of old iPhones
11:07
Speaker 2: lying around, like twenty bucks for them each. I'm like,
11:10
Speaker 2: that's money you didn't have your stay. It's exactly right.
11:13
Speaker 5: Yeah, that is a great call.
11:14
Speaker 2: So everyone go hunting around this weekend see what you
11:16
Speaker 2: can find.
11:17
Speaker 5: Absolutely, I love this beck. Yes, what do you got
11:21
Speaker 5: when it comes to broke tips? Okay, so I'm very
11:25
Speaker 5: excited about these ones, one in particular. But anyway, this
11:32
Speaker 5: first friend comes from Jess, who is also my girlfriend,
11:35
Speaker 5: and she's usually well, she's very clever. So basically I
11:40
Speaker 5: wouldn't say shop at expensive places like this place. This
11:44
Speaker 5: place is called sues me. I think I'm saying it right.
11:46
Speaker 5: S U S M I E S. It's quite an
11:49
Speaker 5: expensive shop, not more so than anywhere else. It's a
11:53
Speaker 5: clothing shop and they have beautiful clothes, but want to
11:56
Speaker 5: iss you're expensive. Oh yeah, I feel like that's the
11:58
Speaker 5: bare minimum. And also I want to say, my girlfriend
12:02
Speaker 5: is such a fashionista, so she's very fashionable. So if
12:07
Speaker 5: you shop here, there are a lot of their clothes
12:09
Speaker 5: are actually like four different outfits in one So she
12:13
Speaker 5: bought like a skirt that is also a top that
12:15
Speaker 5: is also reversible that is also a small skirt, and
12:18
Speaker 5: a long skirt, and so you can just do whatever
12:20
Speaker 5: you want with these things.
12:21
Speaker 2: So I'm like, if you have the.
12:23
Speaker 5: Means, I know, it's so good. And I'm like, that
12:26
Speaker 5: is so genius because you usually you'll buy, like I
12:30
Speaker 5: do know, one shirt and it's just one shirt, which
12:33
Speaker 5: is fine, but that could be like fifty bucks. But
12:36
Speaker 5: if you go to Susani's, and I'm we're not sponsor
12:38
Speaker 5: by Susan's obviously, but I just think that it's like
12:40
Speaker 5: a place like that, it's like, yeah, just maybe try
12:44
Speaker 5: and have a look and see if there are any
12:45
Speaker 5: clothes that you can buy that are like reversible and
12:47
Speaker 5: also could be yeah, it could be like short, could
12:49
Speaker 5: be a long skirt could be for any season. I
12:52
Speaker 5: think that's really really I just think it was really clear.
12:54
Speaker 5: I feel like that's economical as well, totally. So I
12:56
Speaker 5: think she got like three things and that's actually like
12:58
Speaker 5: sixteen different outfits. Sound how whoa Yeah, I'm going to
13:02
Speaker 5: ask her about show me a skirt and she's like, what,
13:07
Speaker 5: I think she's wearing it today? Actually, oh well I'm running. Yeah,
13:11
Speaker 5: if you could maybe leave right And then this next
13:14
Speaker 5: one comes from me. It's half a money win, half
13:17
Speaker 5: a broke tip. So shot Back, I don't know if
13:19
Speaker 5: you guys know, but how they have like happy hour
13:21
Speaker 5: and I know.
13:22
Speaker 2: Oh you know, like yeah, because I'm in love with
13:24
Speaker 2: shop time. I'm sponsored.
13:27
Speaker 4: No, I just check their app sometimes to see what's
13:30
Speaker 4: going on, any good deals.
13:32
Speaker 2: I just need to know.
13:32
Speaker 5: I just need to be in the I'm obsessed with
13:34
Speaker 5: shot Back these days, especially since movie, and I'm like,
13:37
Speaker 5: if I want to buy a TV, I'm going to
13:38
Speaker 5: do that. I'm shot Back and I haven't yet. But anyway,
13:40
Speaker 5: so I was on shot Back, just scrolling the middle
13:43
Speaker 5: of the night as I do. I realized I had
13:44
Speaker 5: a happy hour, and then my the place where I
13:46
Speaker 5: get my glasses and there are many different glasses places
13:49
Speaker 5: on here. I think they have like eighteen percent cash
13:52
Speaker 5: back or something. But also it's sacking my health insurance
13:57
Speaker 5: pay up to two hundred dollars in optical. So I
14:01
Speaker 5: bought turn ittle glasses, got forty bucks from shot Back,
14:05
Speaker 5: claimed it back on you can on something you claimed back,
14:09
Speaker 5: it's got forty bucks for no reason. No, there was
14:12
Speaker 5: a reason. Well, it was a good money win, yes,
14:15
Speaker 5: isn't it.
14:15
Speaker 4: I love that that is actually gaming the system in
14:18
Speaker 4: a really very legal way, very legal, very long.
14:23
Speaker 2: That is what we like.
14:24
Speaker 5: No, so I want to recommend Shotback always have like upsize,
14:29
Speaker 5: you know, things like you but yeah.
14:31
Speaker 2: Check up.
14:31
Speaker 5: I think it's like before midnight and maybe after nine
14:34
Speaker 5: pm or something. I wouldn't have a clue about the times.
14:36
Speaker 5: I've just seen it, like the advertising, you know how
14:38
Speaker 5: that yep pops up when you open the app. Yeah,
14:40
Speaker 5: just so it's very cool and it could be for
14:42
Speaker 5: anything that you can claim on that's.
14:43
Speaker 4: Not a sponsored mentioned, but I mean shot Back, if
14:45
Speaker 4: you want to sponsor us again, please we're lining up.
14:48
Speaker 4: In fact, we're doing it for free already. But anyway,
14:50
Speaker 4: it turns out that was a good set of broke tips.
14:52
Speaker 4: Thank you, thank you, so I love it, and good.
14:54
Speaker 2: Round up from the community.
14:55
Speaker 5: Let's go to a really quick break on the flip side.
14:57
Speaker 2: We're going to be helping to answer money dilemma this week.
15:00
Speaker 4: We're talking about saving money on travel, which I think
15:02
Speaker 4: is really fun and something you is leading to our
15:05
Speaker 4: dms about what to do when a friend owes you money,
15:09
Speaker 4: so don't go anyway, guys.
15:14
Speaker 2: Welcome back everybody. Let's take a listen to this week's
15:17
Speaker 2: money dilemma.
15:20
Speaker 6: Hi.
15:20
Speaker 4: There, have you got a money dilemma you just can't solve?
15:23
Speaker 4: The She's on the Money team is here to help.
15:26
Speaker 4: Every week we tackle your dilemmas, both big and small,
15:29
Speaker 4: to answer your most burning money.
15:31
Speaker 2: Career and life questions.
15:32
Speaker 4: To get involved, simply head to our website and leave
15:35
Speaker 4: us a short voice recording and you might just find
15:37
Speaker 4: yourself on the show. Now, let's take a listen to
15:40
Speaker 4: this week's money dilemma.
15:43
Speaker 6: Hi, team, I've been booking a trip to Europe and
15:46
Speaker 6: I've noticed a very clear pink tax when I've been
15:48
Speaker 6: booking my accommodation in all female dorms as I'm traveling solo.
15:53
Speaker 6: This is something I'm not willing to compromise on which
15:55
Speaker 6: will cost me more than four hundred dollars in accommodation
15:59
Speaker 6: over the five weeks away. Do you have any travel
16:02
Speaker 6: tips or tricks for saving money elsewhere that won't compromise
16:05
Speaker 6: my holiday? Thanks so much?
16:08
Speaker 2: That's crazy?
16:08
Speaker 5: Is that a real thing? Have you guys noticed that?
16:12
Speaker 2: I have seen it.
16:13
Speaker 4: Jess has stayed in her backpackers once and it was
16:16
Speaker 4: because I booked it, so she wasn't privy to like
16:20
Speaker 4: the pink tax on that. But it's actually very normal
16:23
Speaker 4: that female only dorms are priced higher than male only
16:27
Speaker 4: or like mixed storms, and it's usually because there's less
16:30
Speaker 4: demand for them, so it's not necessarily a pink tax situation,
16:35
Speaker 4: but it's a supply and demand situation. So like Jess
16:39
Speaker 4: goes traveling, right, she's a single, solo female traveler, I
16:42
Speaker 4: can almost guarantee that is much more rare than a
16:45
Speaker 4: solo male traveler or people who are willing to share.
16:50
Speaker 4: So like obviously men are probably more likely to share
16:53
Speaker 4: and not have an issue. And then there are going
16:55
Speaker 4: to be females who are happy to sleep in the
16:57
Speaker 4: mixed storm. So the outlier here is going to be
16:59
Speaker 4: the female who wants basically her own room or only
17:02
Speaker 4: females in her room, and you're paying a premium for
17:05
Speaker 4: that because let's say you go into a six person dorm,
17:08
Speaker 4: the likelihood of you sharing with six other people is
17:12
Speaker 4: actually or five other people, sorry, is actually relatively low
17:16
Speaker 4: in comparison to people who want to just go into
17:18
Speaker 4: the normal.
17:19
Speaker 2: Mixed doorm, which is also cheaper.
17:21
Speaker 4: So it's actually a supply and demand issue here, not
17:24
Speaker 4: necessarily a pink tax. They're not like blue raisor pink Crazer,
17:27
Speaker 4: and the pink raser is just more expensive for no reason.
17:30
Speaker 4: It's supply and demand because they would have to fill
17:33
Speaker 4: the beds, and their way of mitigating the fact that
17:36
Speaker 4: they're sectioning off an entire room in their backpackers and
17:40
Speaker 4: saying only girls in there is to charge Jess a
17:43
Speaker 4: higher amount to travel. So I get that it feels
17:47
Speaker 4: like pink tax, though because obviously it only applies to
17:50
Speaker 4: you for being female. Yeah, but it seems to be
17:53
Speaker 4: a global trend. But yeah, it's usually women only are
17:58
Speaker 4: less likely to travel and also more likely to be
18:00
Speaker 4: the smaller rooms, So you're going to pay a little
18:04
Speaker 4: bit more, which you get what you get. Yeah, but
18:08
Speaker 4: what are your best travel tips? Yes, I remember you
18:11
Speaker 4: saying that you came home once from traveling with like
18:14
Speaker 4: less than a dollar in your bank account, so you.
18:17
Speaker 2: Had to at the airport.
18:19
Speaker 5: But how how did you say money traveling?
18:22
Speaker 2: Oh, I always have exactly true. I've never traveled solid.
18:25
Speaker 2: I've always traveled in groups, which keeps costs down because
18:27
Speaker 2: you're spliting accommodation. You can split meal costs like that
18:30
Speaker 2: breaks things down a lot. When we would travel, like
18:34
Speaker 2: when I was in Greece, for example, and we traveled
18:35
Speaker 2: on ferries between islands, we'd always take like the less
18:38
Speaker 2: ideal times because it's sometimes cheaper to travel at like
18:43
Speaker 2: six in the morning than it would be at ten
18:44
Speaker 2: am or something like that. So doing things like that
18:48
Speaker 2: not to give a shot back another free plug, but
18:50
Speaker 2: pre booking accommodation where possible shot back through me, Yeah,
18:55
Speaker 2: through like any kind of cash back platform. And then
18:58
Speaker 2: just say it's prioritizing what's important to you. Like I
19:00
Speaker 2: remember traveling with one of my really good friends and
19:03
Speaker 2: we like, like she was someone who really wanted to
19:05
Speaker 2: travel as cheaply as she could, and so she just
19:08
Speaker 2: would elect to not do some things because like if
19:11
Speaker 2: I would go to a museum and maybe she was like, ah,
19:13
Speaker 2: could give it a miss, she just wouldn't go. So
19:16
Speaker 2: also not giving into like the fomo, especially in a
19:18
Speaker 2: group setting, and being like, oh, if everyone's going to
19:21
Speaker 2: this play or if everyone's doing this thing, I want
19:23
Speaker 2: to go to just profab to get Oh I have
19:26
Speaker 2: a queen of pomo, so like I would be spending
19:29
Speaker 2: just to go, but like my friend was really good
19:31
Speaker 2: about just going. Okay, like I'm going to spend money
19:33
Speaker 2: on food and somewhere to sleep, and that's basically and
19:36
Speaker 2: not buying souvenirs, not buying you know, getting sucked into
19:39
Speaker 2: the little things that add up when you travel, and
19:42
Speaker 2: so just looking at I guess what's important to you
19:43
Speaker 2: and maybe mapping that out ahead of time so you
19:46
Speaker 2: are less likely. It's like when you go to the
19:48
Speaker 2: shops when you're hungry and all of a sudden half trolley.
19:51
Speaker 2: The same sort of thing, right, like planning, pre allocating.
19:54
Speaker 5: Sudden my diet that I'm trying to stick to out
19:57
Speaker 5: the window.
19:58
Speaker 2: Yeah exactly, So like pre doing as much as you
20:00
Speaker 2: can to avoid that kind of stuff too, is probably
20:02
Speaker 2: my top.
20:03
Speaker 5: Tips that is so true, and then you don't have
20:06
Speaker 5: any like unexpected you know, or you will have some
20:09
Speaker 5: but not as many unexpected costs that oh I thought
20:11
Speaker 5: i'd spend two thousand, actually spent ten thousand or something. Yeah,
20:14
Speaker 5: I guess I don't really like travel heaps. But my
20:17
Speaker 5: two that I have already mentioned on the show. One
20:19
Speaker 5: was like where every single item of clothing and so
20:21
Speaker 5: the level bag is larger and you don't have to,
20:25
Speaker 5: you know, be stung with an unexpected charge if your
20:28
Speaker 5: bag weighs more than you thought it would. And then
20:31
Speaker 5: the other is I only book on I know the pilot.
20:36
Speaker 5: It's like an app where it's like will also just
20:38
Speaker 5: like kind of be scanning. If you just put in
20:40
Speaker 5: there where you want to go, roughly, it will be scanning.
20:42
Speaker 5: I'm the kind of person that doesn't actually care, but
20:46
Speaker 5: I have the luxury of like, you know, just being solo.
20:48
Speaker 5: But if if there's a flight that is extremely cheap
20:53
Speaker 5: but it's like twenty stops and a million hours stopover,
20:56
Speaker 5: I don't actually care. I'm going to do it because
20:59
Speaker 5: it's so cheap, and I'm like, this is kind of fun.
21:01
Speaker 5: You get to stop in little places and obviously can't
21:04
Speaker 5: really and it's uncomfortable and also.
21:08
Speaker 2: You're really selling it by torture.
21:11
Speaker 5: But it's something that if you in this case only
21:16
Speaker 5: it's about the destination and not the journey, and if
21:18
Speaker 5: your journey is like one or two days, don't worry, yeah,
21:21
Speaker 5: because you're going to get there eventually.
21:23
Speaker 2: I like that. I like that.
21:24
Speaker 5: Anything else to add back, I think maybe yeah, I
21:32
Speaker 5: just I somehow travel cheap, and I think it's just
21:34
Speaker 5: because I don't I don't actually eat.
21:36
Speaker 2: I feel like that's when you'd be good for like
21:38
Speaker 2: eating it like hole in the wall places. We had
21:41
Speaker 2: half our meals like five dollars, which but it was
21:43
Speaker 2: like little local places rather than going to like a
21:46
Speaker 2: big you know check you even a McDonald's or something
21:49
Speaker 2: like that. Totally or it would be so cheap. There's
21:51
Speaker 2: often totally that you can get cheap really great food, yes, yes,
21:55
Speaker 2: and family marts.
21:56
Speaker 4: I feel like I still travel cheap. Like, don't get
21:59
Speaker 4: me wrong, I've stayed at some beautiful places, but my
22:02
Speaker 4: frugal travel habits will follow me everywhere. Poor Jessica. A
22:06
Speaker 4: couple of years ago we went to Europe together and
22:08
Speaker 4: she experienced this. So the female dorm. This is where
22:12
Speaker 4: it's come up, right, we're talking about female dorms. We
22:14
Speaker 4: were traveling in a group, and if you're traveling in
22:16
Speaker 4: a group, I think you automatically go, Okay, well maybe
22:19
Speaker 4: we'll get near BMB or something.
22:21
Speaker 2: But you can book out a.
22:22
Speaker 4: Whole dorm room if you want, And we did that
22:25
Speaker 4: at a backpackers and it was like a six person
22:28
Speaker 4: dorm room. So we did have a spare bed in
22:30
Speaker 4: there because we didn't need it, but we got our
22:32
Speaker 4: own on suite, really clean, really easy. We stayed it
22:36
Speaker 4: and it worked. So that's a good one. Grocery shopping
22:39
Speaker 4: when you get there, having a little trip to the
22:41
Speaker 4: grocery store. I don't know if everyone's like this, but
22:44
Speaker 4: I think as a cultural experience, actually want to go
22:46
Speaker 4: to the supermarket in every location that I go to,
22:50
Speaker 4: and I need it to be an activity. We're not
22:51
Speaker 4: just zipping in for a snack. We are going to
22:53
Speaker 4: look at all the aisles. We're going to look at
22:55
Speaker 4: the grocery. I actually look at the reviews of the
22:58
Speaker 4: grocery store and I'm like, let's go to this monopre
23:01
Speaker 4: just got five stars, and we're buying snacks that we
23:04
Speaker 4: can pack in our bag for when we're out, and
23:06
Speaker 4: about breakfasts if they're not included where you're staying, and
23:10
Speaker 4: a few things that you can just have up your sleeve.
23:12
Speaker 2: Like I don't know if you guys.
23:14
Speaker 4: You have that hour between when you come back from
23:17
Speaker 4: your activities in the afternoon and going out for dinner.
23:19
Speaker 2: The doom scroll, the doom scroll session. Jess and I
23:23
Speaker 2: love it. No talkie during that.
23:25
Speaker 4: Time, client time, light time only we're laying on our beds.
23:29
Speaker 4: We're actually strapped to our beds because we need to
23:31
Speaker 4: charge our phones. But we want to be on our phones,
23:34
Speaker 4: review the photos from the day, look at Instagram because
23:36
Speaker 4: we've had no Wi Fi all day.
23:38
Speaker 2: Also, don't talk to me.
23:39
Speaker 4: But you might want to buy some little snacks to
23:41
Speaker 4: tide you over, so like some Chippy's. Maybe you're buying
23:44
Speaker 4: and I'm not saying that this is super cheap, but
23:46
Speaker 4: maybe you're buying a little wine to have during that
23:48
Speaker 4: period of time. But when you go out for dinner,
23:50
Speaker 4: you could just get on entray. So we're still going
23:53
Speaker 4: out for dinner, but you could have maybe some two
23:55
Speaker 4: minute noodles or something. Still have the experience much cheaper
24:00
Speaker 4: the grocery thing works for me on the like the
24:03
Speaker 4: food thing. I have so many tips. Maybe if you
24:05
Speaker 4: do your whole travel Hacks episode, if you're staying at
24:07
Speaker 4: a resort that has buffet breakfast, or even if you're
24:10
Speaker 4: staying at a backpack that has breakfast, us Jess mayor
24:14
Speaker 4: do this.
24:14
Speaker 2: I'm the only smart one that.
24:15
Speaker 4: Brought tupperware, though, so take it tuperwear to breakfast. They
24:20
Speaker 4: have a selection of breads, jams, cheeses, deli meats, make
24:25
Speaker 4: a sandwich, take it for later. The little pastries were
24:29
Speaker 4: taking those for morning tea. How many times did we
24:31
Speaker 4: smuggle croissants out of our accommodation?
24:35
Speaker 2: Probably one too many?
24:37
Speaker 5: No, no such thing, not enough times.
24:40
Speaker 2: The other one I wouldn't say.
24:41
Speaker 4: When I was traveling Europe for the very first time,
24:45
Speaker 4: night trains, yes you might go r V but they
24:48
Speaker 4: take longer.
24:49
Speaker 2: Yes, but I'm asleep on the train.
24:50
Speaker 4: I'm not paying accommodation for that night, and I boom
24:53
Speaker 4: bang my accommodation and my transport in one cost. Now,
24:57
Speaker 4: double whammy, double whammy. I'm sleeping for the night. Is
24:59
Speaker 4: it comeftable? Not that much, but let's not talk about it.
25:03
Speaker 4: May work you're also this is going to be my
25:05
Speaker 4: last one, but never eating at tourist destinations, so like
25:09
Speaker 4: the main squares, so we're not eating there, you know,
25:11
Speaker 4: we're going a little bit further out because everything will
25:14
Speaker 4: be overpriced. So if you're going to Paris and you
25:17
Speaker 4: see the Eiffel Tower, you are not eating anywhere near
25:20
Speaker 4: the Eiffel Tower because there will be the Eiffel Tower
25:23
Speaker 4: attacks and that happens everywhere. Yeah, I think that's it,
25:27
Speaker 4: But I think you just need to be smart about
25:29
Speaker 4: what you're doing and where you're going, and also, while
25:31
Speaker 4: I'm here, sorry, factoring in your travel payments. So if
25:36
Speaker 4: you are going, oh we're gonna you know, be budget
25:39
Speaker 4: and stay not in the CBD. But like, let's pretend
25:42
Speaker 4: it's Melbourne, you're traveling too. Well in the CBD, there's
25:45
Speaker 4: actually free trams all around the city. So how much
25:48
Speaker 4: are you then going to be spending on public transport
25:51
Speaker 4: or ubers or whatever to get back to your hotel
25:53
Speaker 4: each night? If you're staying further out, what like, have
25:56
Speaker 4: a bit of a look you can actually in uber
25:59
Speaker 4: put your like average destinations in and get a little
26:02
Speaker 4: quote of what that might cost and see because like,
26:04
Speaker 4: if you're telling me that you're then going to spend
26:06
Speaker 4: fifty or sixty dollars a day on ubers or something,
26:08
Speaker 4: and I'm not saying that's reasonable, but whatever, would you
26:11
Speaker 4: not prefer to put that into your accommodation have a
26:13
Speaker 4: more elevated accommodation experience and walk everywhere or catch the
26:17
Speaker 4: free public transport what's available. Yeah, so just like weighing
26:20
Speaker 4: it up in little things, yeap, cash back, you know,
26:24
Speaker 4: booking deals, you know, talking to a travel agent can
26:28
Speaker 4: help as well because they might be able to like
26:30
Speaker 4: put everything together. But yeah, there's just lots. I just
26:32
Speaker 4: I love travel, but I also am a frugal traveler.
26:35
Speaker 2: Yeah, I sent the travel episode coming in our future.
26:38
Speaker 2: Oh so hard. We'll work on that for you.
26:40
Speaker 5: Yes, that's all for me though, when it comes to
26:42
Speaker 5: travel tips and tricks, great tips. Now do you want
26:44
Speaker 5: to get into the juicy deeds? Yeah?
26:47
Speaker 4: So this week we got a DM Are you ready? Yes,
26:50
Speaker 4: good afternoon. My community question is more about friendships and
26:54
Speaker 4: asking for money, as I find it really awkward. I
26:58
Speaker 4: work in the beauty industry and obviously do bits and
27:00
Speaker 4: pieces for my friends a fair bit. They always pay
27:04
Speaker 4: as a lot of them say friends are your biggest
27:06
Speaker 4: and best clientele, But I do have one or two
27:09
Speaker 4: that can take a long time to pay or just
27:11
Speaker 4: forget and don't pay at all. But I find it
27:14
Speaker 4: really awkward to ask for money and like I'm being rude,
27:17
Speaker 4: which is ridiculous because obviously I'm not being And I
27:20
Speaker 4: think what makes it harder is they always complain how
27:23
Speaker 4: broke they are and have no money to pay for
27:25
Speaker 4: this sort of stuff, yet can afford to online shop
27:27
Speaker 4: for clothes. I know, I just need to bite the bullet,
27:30
Speaker 4: but it's making me so nervous.
27:32
Speaker 5: What would you do?
27:36
Speaker 2: It's so hard because me my money. Yeah, it's hard
27:39
Speaker 2: because the one thing I'd say is ah, they but
27:43
Speaker 2: they do pay, So maybe not because I've said before,
27:46
Speaker 2: how like I have friends who like, if one girl
27:48
Speaker 2: does eyebrows, one girl does nails, like you like we
27:51
Speaker 2: do a swapsias, or if one girl has a staff
27:53
Speaker 2: discount here one girl, you know, I mean, like, but
27:55
Speaker 2: it works for everyone. It's very different if you're the
27:57
Speaker 2: only friend that has a skill set and it's your business. Yeah, correct, Yeah,
28:01
Speaker 2: so that's a little bit different. I mean, maybe they
28:04
Speaker 2: just have not clocked that and they're not really comprehending it.
28:07
Speaker 2: The way that I would go about it, to simply
28:09
Speaker 2: avoid confrontation is I would be.
28:11
Speaker 4: Like, oh, number, no, we're not blocking. No, I would
28:16
Speaker 4: want confrontation. Can't see her.
28:17
Speaker 2: In quotation marks set up an online invoicing system and
28:23
Speaker 2: so you just go, I mean you might already have
28:25
Speaker 2: one for your business, I'm assuming, but if you don't
28:27
Speaker 2: having one setup that just sends you know, when you
28:29
Speaker 2: book a stand beauty appointment, you get a confirmation, so
28:32
Speaker 2: just run them like a normal customer basically, rather than
28:34
Speaker 2: being like, oh, yeah, just drop over Saturday afternoon, I'm
28:37
Speaker 2: not working that day so I can fit you in
28:38
Speaker 2: whenever actually book them in. If you have a system
28:41
Speaker 2: and have the system sends the email, and then oh
28:44
Speaker 2: would you look at that? The system sends an automatic remander.
28:46
Speaker 2: It's not coming from you. The system just does it.
28:48
Speaker 2: And if you don't know, as to Victoria's fake assistant before,
28:51
Speaker 2: she had yeah, and if you don't have a system
28:53
Speaker 2: that can do that automatically, you know, if you just
28:55
Speaker 2: write an email that looks like an automatic system, they're
28:58
Speaker 2: not going to know the difference, Like, Hi, yess, thanks
29:01
Speaker 2: so much for booking your appointment, and you've got to put.
29:03
Speaker 5: You've got to put a space between the word jess
29:05
Speaker 5: and then the comma.
29:06
Speaker 2: Yeah, so they So if you don't have a system,
29:10
Speaker 2: you can just pretend that you have one, And in
29:12
Speaker 2: my opinion, that kind of just takes.
29:13
Speaker 4: You out of it, the awkwardness out of it. I'm
29:15
Speaker 4: not going to lie, I would laugh. So Like, obviously
29:17
Speaker 4: I'd be mortified if I owed you money and you
29:20
Speaker 4: send a reminder like that, But also like I would
29:22
Speaker 4: be like, did you make this up?
29:25
Speaker 2: But I think you can do it and you can't
29:26
Speaker 2: tell I mean, there are other ways to go about it,
29:28
Speaker 2: which I'm sure you guys.
29:29
Speaker 5: Get into laughing so much. Have you ever done this?
29:32
Speaker 2: I mean, I don't offer services, so no, I just
29:36
Speaker 2: switch arough who does each other's nails occasion? Yeah, literally,
29:39
Speaker 2: it's a little bit less formal, but like I can
29:41
Speaker 2: totally see if you're doing it for them all the time.
29:43
Speaker 2: Your time is valuable as a professional, and it's not
29:46
Speaker 2: fair of your friends to take advantage of them. And
29:48
Speaker 2: if you're not comfortable having that conversation, which you should
29:51
Speaker 2: because they're friends and they, as your other friends said,
29:53
Speaker 2: they should champion you and want you to succeed, but
29:56
Speaker 2: if you feel a bit weird, that's what I would do. Wow,
30:00
Speaker 2: Oh that's quite clever, little scheamy what you do.
30:04
Speaker 5: I guess, like I think if you, like, if it
30:08
Speaker 5: isn't possible to like maybe from now be like, oh
30:12
Speaker 5: I might never see that money. I don't care, but
30:15
Speaker 5: from now on, I'm actually way too busy to fit
30:18
Speaker 5: anyone else in, Like, no one that's gonna be.
30:20
Speaker 2: You know when I have capacity.
30:21
Speaker 5: Yeah, yeah, something like that. Because then like, if you
30:24
Speaker 5: don't want to have confrontations, I want to, like I
30:27
Speaker 5: would go silently cutting your friends off from that kind
30:30
Speaker 5: of thing, Like I would still, like, you know, go
30:32
Speaker 5: out with them and all that kind of stuff. But
30:34
Speaker 5: just like if you don't want to bring it up,
30:36
Speaker 5: then hopefully they just get the hint. But I also
30:39
Speaker 5: do think like it doesn't have to be it doesn't
30:42
Speaker 5: have to be awkward. I was actually talking about this
30:44
Speaker 5: last night with some of my friends. We're talking about
30:46
Speaker 5: like the best way to tell someone that you've got
30:49
Speaker 5: an issue to bring up or something like this. It's
30:51
Speaker 5: awkward and the best way to do it, but it
30:53
Speaker 5: doesn't work for everyone, but for us we agreed that
30:57
Speaker 5: just being like you're giving me the shits, like just
30:59
Speaker 5: be so casual and what kind of funny and silly
31:02
Speaker 5: about it is the best way to just break that.
31:06
Speaker 5: My team talk to me, yeah, and then just as
31:09
Speaker 5: like you're being really annoying and I'm like, yeah, noted,
31:11
Speaker 5: I'm not stopping though, but hopefully like the it really
31:16
Speaker 5: it really does depend on the person receiving the information,
31:19
Speaker 5: because if you know that someone's quite like defensive and
31:22
Speaker 5: totally then it's like this is literally impossible. There's nothing,
31:25
Speaker 5: there's no way that you can communicate then a service
31:30
Speaker 5: if they're like that, yeah, oh yeah. But if they're not,
31:33
Speaker 5: then there really is a way. Maybe they're the type
31:34
Speaker 5: of person that respond really well to humor, maybe they're
31:37
Speaker 5: the type of person that responds really well to like
31:40
Speaker 5: they're quite empathetic, then maybe be a little bit like
31:42
Speaker 5: soft with them and gentle. It just depends on the
31:45
Speaker 5: receiver in this situation, I think, and how you can
31:47
Speaker 5: best I mean, it's hard because if there's a few
31:50
Speaker 5: of them that you know, you might need to tailor
31:51
Speaker 5: your your situation and the way you approach it so
31:54
Speaker 5: many different times. But if they're defensive. You can't really
31:57
Speaker 5: do anything, and don't beat yourself up about it. Just
31:59
Speaker 5: you don't have capacity any more, basically, is what I'm saying.
32:01
Speaker 5: You're too busy.
32:02
Speaker 2: Yeah, until you've paid all the outstanding voices.
32:04
Speaker 4: Yeah yeah, yeah, So we've got that silent cut off,
32:07
Speaker 4: we've got the fake in voicing system. You had a
32:11
Speaker 4: level of like, oh, use your empathy, which I like,
32:14
Speaker 4: I'm probably just going to call them out for. I'm
32:16
Speaker 4: just going to be like, hey, this is really awkward.
32:18
Speaker 4: But I've had to chase this a couple of times.
32:21
Speaker 4: What's going on? Like I don't think I would mention
32:23
Speaker 4: their spending habits because like, from my perspective, that's none
32:26
Speaker 4: of my business. Now they're spending their money. I feel
32:29
Speaker 4: like calling other people out on their money habits. You
32:32
Speaker 4: don't know them, Like, don't get me wrong, you could
32:34
Speaker 4: have been best friends with this person for thirty years,
32:36
Speaker 4: but you don't know them. That could be an issue,
32:39
Speaker 4: That could be something that stresses them out. Maybe they
32:41
Speaker 4: have a shopping addiction that you haven't discussed, or maybe
32:44
Speaker 4: that was their way of dealing with some level of
32:46
Speaker 4: grief or troup. Like none of your business, Yes, to
32:49
Speaker 4: be honest. If let's pretend Jess saw me spending money
32:52
Speaker 4: when I owed her money, Like, I know, on a.
32:55
Speaker 5: Deep level, that's a bad look. Like do people not
32:58
Speaker 5: know that that's not.
33:00
Speaker 2: These people don't though, like they're still doing it.
33:02
Speaker 4: Yeah, But I just I think it then goes down
33:04
Speaker 4: to a lack of respect, because if I haven't paid
33:06
Speaker 4: you back and I'm going and spending money in a
33:08
Speaker 4: different area, I'm basically sending the message, whether that is
33:12
Speaker 4: by choice or not, that my priorities are worth more
33:15
Speaker 4: than me paying you back, Yess, And like that's not cool.
33:19
Speaker 4: They're not the type of people that I want to
33:20
Speaker 4: keep the company of. And I'm not saying that there's
33:23
Speaker 4: a good or a bad or even an in between,
33:25
Speaker 4: but I would probably just politely say hey, like is
33:28
Speaker 4: this And I always like to preface it with like
33:30
Speaker 4: it's so awkward, sorry, yeah, but can you xyz it?
33:35
Speaker 4: And it just like kind of softens the blow. It's
33:37
Speaker 4: a bit like you know how you're saying, you know,
33:39
Speaker 4: read the room. How do you make confrontation a little
33:42
Speaker 4: bit less awkward with a friends? Like calling it out great,
33:44
Speaker 4: But like in that situation, I'd be.
33:47
Speaker 2: Like, oh, this is so awkward.
33:48
Speaker 4: But you're really annoying me right now, like I feel
33:51
Speaker 4: like calling it out.
33:53
Speaker 2: Oh my god, honest communication imagine.
33:55
Speaker 5: Oh I hate how we always crazy that it's wild.
33:58
Speaker 5: What did everyone else say? If you were our community member,
34:01
Speaker 5: what would you do? Three percent of you said I'm
34:03
Speaker 5: calling them out for their other spending three three forty
34:07
Speaker 5: five percent said I'm going to politely remind them, forty
34:10
Speaker 5: three percent said I'm going to require pre payment in
34:13
Speaker 5: the future. Oh good one, that's clever, and nine percent
34:16
Speaker 5: this is so funny because like all of these options,
34:19
Speaker 5: which you guys clearly hadn't seen because I ran this
34:21
Speaker 5: cut them off.
34:23
Speaker 2: Okay.
34:24
Speaker 4: We then said, how do you usually deal with friends
34:26
Speaker 4: who owe you money? Forty four percent said I always
34:28
Speaker 4: chase up what I'm ode, forty two percent said I
34:31
Speaker 4: ask a few times and then I just let it go.
34:33
Speaker 4: And fourteen percent of you said I wait for them
34:35
Speaker 4: to bring it up.
34:36
Speaker 2: If it's awkward, they could be forgetful, like I have
34:40
Speaker 2: definitely been that person.
34:41
Speaker 5: HD.
34:42
Speaker 2: I forget someone's message in the group chat Hey guys,
34:45
Speaker 2: XYZ for dinner, and I've seen it at work and
34:47
Speaker 2: going yep, need to do that later. And then forgotten,
34:49
Speaker 2: and then a week later, I've like sat up in
34:50
Speaker 2: bed and been like, oh.
34:51
Speaker 5: Yes, like maybe you know, maybe gentle Yes, yeah, definitely,
34:57
Speaker 5: And I think gentle reminders can be kind. Like at
35:01
Speaker 5: the end of the day, it's something they said that
35:03
Speaker 5: they were going to do, Like, it's not you asking
35:06
Speaker 5: for money for a service they thought they were getting
35:08
Speaker 5: for free, which is a completely different ballgame. We then
35:11
Speaker 5: said to the community, all right, guys, what are your
35:13
Speaker 5: two cents? First person said, if I have to remind
35:17
Speaker 5: them twice, I'm sick the next time they book him,
35:19
Speaker 5: and then all of a sudden they pay. Someone else said,
35:23
Speaker 5: offer to teach them how to do it themselves. That
35:26
Speaker 5: way you feel helpful, but now you're not losing money.
35:29
Speaker 2: I kind of like that, Oh sorry.
35:32
Speaker 4: In my head when I read that, I was like, what,
35:33
Speaker 4: teach them how to do a bank transfer?
35:38
Speaker 5: And then it was like, oh, teach them the service. Okay,
35:42
Speaker 5: please ignore me and the way my brain. Next person said,
35:46
Speaker 5: short change now impacts the compounding interest for you tomorrow.
35:50
Speaker 2: You need to speak up.
35:52
Speaker 5: Wow is that victoria?
35:55
Speaker 4: I feel like I might be in their brain a
35:56
Speaker 4: little bit. Someone else said that stop making excuses for
35:59
Speaker 4: people you know are lying to you.
36:02
Speaker 2: Oh it is.
36:07
Speaker 4: Someone else said, rude, but there's like four us, four d's,
36:11
Speaker 4: four e's.
36:11
Speaker 2: And five exclamation points. I mean that rude.
36:17
Speaker 5: And then they said they should value your hard work
36:20
Speaker 5: the most, and they saw what it took to get
36:23
Speaker 5: you there, they need to pay you.
36:24
Speaker 2: That's so true.
36:25
Speaker 4: Someone else said, we use the Beamet app to settle
36:28
Speaker 4: all expenses. It is much easier than asking. But you
36:32
Speaker 4: could have like split wise because even if like the
36:35
Speaker 4: cool thing about split wise is obviously if Jess and
36:38
Speaker 4: I shared a pizza with Beg, we could split it
36:40
Speaker 4: three ways, or Jess is not paying and it's just
36:43
Speaker 4: beck and eye. But you can also split it one way.
36:45
Speaker 4: You can say one hundred percent of the costs goes
36:46
Speaker 4: to Jessica for that, Yeah, and it just comes up
36:49
Speaker 4: there's a reminder on their phone.
36:50
Speaker 2: Yeah, and it tracks it.
36:52
Speaker 5: But with beam it you can actually when you swipe
36:54
Speaker 5: to pay, it actually pays it. With split wise, it's
36:56
Speaker 5: swiped to pay, it doesn't really come out of your account.
36:59
Speaker 5: You have to go and then follow.
37:01
Speaker 2: I love that, Like your account is like linked linked
37:04
Speaker 2: to beam it. So when you do that, and it
37:05
Speaker 2: says I can get behind that.
37:07
Speaker 5: You've paid the other person have to accept it all No, nope,
37:11
Speaker 5: you just like they add something into beam it and
37:13
Speaker 5: then you go ahead and say, and you've to your bank,
37:17
Speaker 5: you've linked it, and then it says swipe to pay.
37:18
Speaker 5: You literally just swipe and then it processes and then
37:21
Speaker 5: gives you the tick. You don't have to do any
37:23
Speaker 5: of that. Go now, go to your bank and anyway.
37:27
Speaker 2: I'm obsessed. It's great. I'm obsessed, me too, How good?
37:31
Speaker 5: All right?
37:32
Speaker 4: Next person said, I'm self employed and serving friends gives
37:35
Speaker 4: me the ick because they always expect a huge discount
37:37
Speaker 4: for no reason. Someone else said friends should support each
37:42
Speaker 4: other's businesses, not take advantage. Real friends would pay from
37:45
Speaker 4: the get go.
37:46
Speaker 2: Amen, and I'm going to leave it there, gorgeous. I'm
37:49
Speaker 2: going to leave it there.
37:50
Speaker 5: I feel like I've yapped a lot this episode. Good wait,
37:52
Speaker 5: good place to leave it?
37:53
Speaker 2: How good?
37:54
Speaker 4: All right?
37:54
Speaker 5: Well, have a good weekend, guys. We will live love,
37:57
Speaker 5: laugh on the flip side, and see you Monday morning.
38:00
Speaker 5: Right nearly for money, Darry, Bye, guys. Bye.
38:09
Speaker 4: The advice shared on She's on the Money is general
38:12
Speaker 4: in nature and does not consider your individual circumstances. She's
38:16
Speaker 4: on the Money exists purely for educational purposes and should
38:19
Speaker 4: not be relied upon to make an investment or financial decision.
38:23
Speaker 2: If you do choose to buy a financial.
38:24
Speaker 4: Product, read the PDS TMD and obtain appropriate financial.
38:28
Speaker 5: Advice tailored towards your needs.
38:30
Speaker 4: Victoria Divine and She's on the Money are authorized representatives
38:34
Speaker 4: of money. Sheper pty Ltd ABN three two one six
38:38
Speaker 4: four nine two seven seven zero eight AFSL four five
38:42
Speaker 4: one two eight nine