Latest / She's On The Money / FRIDAY DRINKS: Accountability August!

Transcript

FRIDAY DRINKS: Accountability August! · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:23
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 3: for millennials who want financial freedom. Welcome back to another
• 0:30
  Speaker 3: one of our Friday Drinks episodes where our team get
• 0:33
  Speaker 3: to celebrate the money wins from our She's on the
• 0:36
  Speaker 3: Money community. As always, we are joined by Tony Lodge
• 0:40
  Speaker 3: and she is going to kick us off with what
• 0:42
  Speaker 3: happened on our Monday money Diary.
• 0:45
  Speaker 1: So our money diary this week is twenty six trans
• 0:49
  Speaker 1: and preparing for gender affirmation surgery.
• 0:51
  Speaker 3: It was such a cool money diary.
• 0:53
  Speaker 1: It was really cool and the awesome thing about it
• 0:56
  Speaker 1: was that and we mentioned this on the pod as well,
• 0:58
  Speaker 1: that Victoria and our money darist had actually been chatting
• 1:01
  Speaker 1: for quite some time through Instagram. They got hooked up
• 1:04
  Speaker 1: together and.
• 1:04
  Speaker 3: Split into each other's dance yeah, which is really cool to.
• 1:07
  Speaker 1: Kind of have the inside scoop on it when normally
• 1:10
  Speaker 1: it's all so anonymous. But we spoke with them and
• 1:14
  Speaker 1: they gave us a really great insight into the costs
• 1:17
  Speaker 1: associated and the language we should use when when chatting
• 1:21
  Speaker 1: to people, and it was it was really really good.
• 1:23
  Speaker 1: So I definitely employ you to have a listen. I
• 1:25
  Speaker 1: know I say that, ever, I.
• 1:26
  Speaker 3: Literally loved them. Yeah, I do know. We always say
• 1:28
  Speaker 3: our money dary it was the best one yet.
• 1:30
  Speaker 4: Yeah.
• 1:30
  Speaker 3: I felt like I learned so much and it felt
• 1:33
  Speaker 3: a little bit pervy at times. I was like, Oh,
• 1:35
  Speaker 3: is it all right if I ask you this? And
• 1:37
  Speaker 3: they were like yeah, like that's why I'm here, isn't it.
• 1:39
  Speaker 3: And I was like, oh, yeah, cool, thanks, because you know,
• 1:42
  Speaker 3: it kind of went beyond money a little bit, because
• 1:44
  Speaker 3: you were like, oh, I'm asking about your personal life
• 1:47
  Speaker 3: beyond just your financial situation. So I was really grateful
• 1:50
  Speaker 3: that they were so open and honest with us, like
• 1:53
  Speaker 3: it was just an epic conversation. And I know that
• 1:55
  Speaker 3: there are a fair few people in our community that
• 1:57
  Speaker 3: would really resonate with that, and I just loved being
• 2:00
  Speaker 3: but to add it to our little money Diary Elite crew, And.
• 2:04
  Speaker 1: Also, if you're kind of not really sure on how
• 2:07
  Speaker 1: to best behave like an ally, it's probably a really
• 2:11
  Speaker 1: good thing to listen to get a little bit of
• 2:13
  Speaker 1: insight into you know, what to do if you do
• 2:15
  Speaker 1: misgender someone, and if you're looking for any resources on
• 2:18
  Speaker 1: that topic as well. There were heaps in the show
• 2:19
  Speaker 1: notes like a hundred things that are stacked it for Yeah,
• 2:22
  Speaker 1: that our money dire is sent through, so definitely have
• 2:24
  Speaker 1: a look.
• 2:25
  Speaker 3: Yeah, loved it all right, Straight onto the wonderful Georgia King.
• 2:29
  Speaker 3: Georgia King. What did we speak about on Wednesday? In
• 2:32
  Speaker 3: a deep do?
• 2:33
  Speaker 5: This Wednesday was a fun one. What they're always they always?
• 2:40
  Speaker 5: We spoke about the costs of moving out for the
• 2:43
  Speaker 5: very first time, So the costs you need to factor
• 2:45
  Speaker 5: in before you move out, and then the costs that
• 2:48
  Speaker 5: come up when you're actually out of home, and if
• 2:51
  Speaker 5: you haven't done it before, like a lot creeps up.
• 2:53
  Speaker 6: Is it a wild generalization to say it's always way
• 2:56
  Speaker 6: more than you think?
• 2:56
  Speaker 4: Oh, absolutely, you've.
• 2:58
  Speaker 5: Got your bond your first month rant dishwasher tablet, dishwasher
• 3:02
  Speaker 5: tablets four dollar booze.
• 3:05
  Speaker 4: I tell you.
• 3:05
  Speaker 6: The weird one is when there's stuff at your parents' house,
• 3:08
  Speaker 6: like in the back of the cupboard, that you'd never
• 3:09
  Speaker 6: think to actually buy, but when you just need like
• 3:11
  Speaker 6: just a pinch of salt when you move out, you
• 3:14
  Speaker 6: don't have just those random things in the pantry and
• 3:16
  Speaker 6: buying a whole big thing of those.
• 3:19
  Speaker 3: So expensive to stuff. They are olive oil, good olive oil,
• 3:23
  Speaker 3: Like what is that?
• 3:25
  Speaker 4: That's a mortgage, that's what happens?
• 3:27
  Speaker 3: Than wine like that is not on? And then all
• 3:30
  Speaker 3: of the herbs and spices. Are you meant to buy
• 3:32
  Speaker 3: every single tiny little jarp?
• 3:34
  Speaker 1: Do you need smoked and sweet paprika?
• 3:36
  Speaker 3: I think you do?
• 3:37
  Speaker 1: Apparently I've got both.
• 3:39
  Speaker 3: Yeah, well you're a proper adult, so that makes sense. Ryan,
• 3:42
  Speaker 3: have you got some money with yep?
• 3:44
  Speaker 6: And I will get ready to do the wins with
• 3:46
  Speaker 6: my Mattzo's ginger beer.
• 3:47
  Speaker 4: Just what have you gone?
• 3:48
  Speaker 7: I've also got a Matzo's. We'd love the mat soos,
• 3:50
  Speaker 7: don't we. I've got a Lemon.
• 3:52
  Speaker 3: I've also got a Lemon Tony and I we're bougie today.
• 3:56
  Speaker 1: We've got a Brookies Byron dry gin and tonic with
• 3:59
  Speaker 1: native a lime which rolls off the tongue.
• 4:01
  Speaker 3: It was bougie and to be honest, when we looked
• 4:04
  Speaker 3: at it, not that you should be looking at the
• 4:05
  Speaker 3: calories of your drink. They're sugar free, which.
• 4:08
  Speaker 1: Was to us very impressive because it's hard to get
• 4:12
  Speaker 1: a good gin and tonic that's sugar free.
• 4:14
  Speaker 4: Yeah.
• 4:14
  Speaker 3: Like, we're not sponsored by them, but we have been
• 4:16
  Speaker 3: drinking them in the office. We've been drinking them while recording,
• 4:20
  Speaker 3: like it's been pretty good. But we were surprised because
• 4:23
  Speaker 3: tonic is one of those silent killers when it comes
• 4:26
  Speaker 3: to sugar.
• 4:27
  Speaker 6: Yes to satirifice as well tonic water. If you get
• 4:31
  Speaker 6: a good tonic, they can cost just as much as
• 4:32
  Speaker 6: the the fever tree.
• 4:34
  Speaker 3: Ya, you're expensive. I just buy sweeps when it's on sale.
• 4:38
  Speaker 1: Oh my god, I buy coal's brawn. Not relatable contay.
• 4:43
  Speaker 3: Sorry, money wins.
• 4:45
  Speaker 1: Money wins.
• 4:46
  Speaker 4: All right, here we go, money wins this week.
• 4:48
  Speaker 6: Now, this might seem like the simplest money win we've
• 4:51
  Speaker 6: ever had, but so many people responded with, oh, I
• 4:54
  Speaker 6: feel that it is genuinely a win. Simone says money
• 4:57
  Speaker 6: win for the whole month. I didn't tran for money
• 5:00
  Speaker 6: back from my savings into my everyday a camp. That
• 5:04
  Speaker 6: is impressive, very, to which Polly just replied, I feel
• 5:09
  Speaker 6: this deeply.
• 5:10
  Speaker 3: Yeah, that's relatable content.
• 5:12
  Speaker 6: I mean, that's not sweps. Is that the difference vi
• 5:15
  Speaker 6: between what intentions and reality? We put five hundred bucks
• 5:18
  Speaker 6: at the month on payday or whatever our amount is,
• 5:19
  Speaker 6: go yep, five hundred months saving and then four hundred
• 5:22
  Speaker 6: and ninety six just makes its way back across when
• 5:24
  Speaker 6: a bill comes in or something.
• 5:25
  Speaker 3: That's when you set unrealistic expectations for yourself. And that's
• 5:28
  Speaker 3: really easy to do, but really hard to undo. And
• 5:32
  Speaker 3: that's why I preach, literally preach about having a budget
• 5:36
  Speaker 3: that's realistic and not just an aspirational budget. It's actually
• 5:40
  Speaker 3: what you're spending and actually what's coming into your account,
• 5:43
  Speaker 3: because if you're not doing that, you're just going to
• 5:45
  Speaker 3: shoot yourself in the foot and have to dip into
• 5:47
  Speaker 3: savings regardless of what you're spending.
• 5:49
  Speaker 4: Yep.
• 5:49
  Speaker 6: Now, Melissa says, five figure tax refund coming my way
• 5:54
  Speaker 6: money when quarter will go to paying off the rest
• 5:58
  Speaker 6: of my HEXTEBT, which means I am now completely debt
• 6:00
  Speaker 6: free in every.
• 6:01
  Speaker 3: Aspect of my life.
• 6:04
  Speaker 4: Well done, well done.
• 6:05
  Speaker 6: Now, Aisha applied for a scholarship through university. The application
• 6:09
  Speaker 6: took about ten minutes, and within a few weeks I
• 6:12
  Speaker 6: was advised my application was successful and I've just received
• 6:16
  Speaker 6: fourteen thousand dollars from my university.
• 6:20
  Speaker 3: Now I've got is that per hour? If she's said
• 6:22
  Speaker 3: it only took ten minutes.
• 6:23
  Speaker 6: Let's ask our financial advisor, Hey ask goodbye? Rosie says
• 6:29
  Speaker 6: money win made my first one thousand dollars in rays.
• 6:33
  Speaker 6: He's out to one thousand dollars just through round Us,
• 6:35
  Speaker 6: So she's pretty stoked. Without now Annie, Annie is a
• 6:38
  Speaker 6: unicorn because this never happens. This is very very rare,
• 6:43
  Speaker 6: she said. I just got an email from work saying
• 6:45
  Speaker 6: that my salary has increased two point five percent from
• 6:48
  Speaker 6: the start of this financial year. I only just started
• 6:51
  Speaker 6: with the company. I wasn't sure if they did increases
• 6:53
  Speaker 6: or if I had to negotiate after one year.
• 6:56
  Speaker 4: They just did it.
• 6:57
  Speaker 3: That's super cool.
• 6:58
  Speaker 6: Usually, and this is why I say, you have to
• 7:01
  Speaker 6: ask and then you follow them up and they say, oh,
• 7:03
  Speaker 6: we'll think about it. My boss will go to his boss,
• 7:05
  Speaker 6: go to her bossass and it just takes years and years.
• 7:08
  Speaker 6: The fact that they just ticked it, like she didn't
• 7:10
  Speaker 6: even have to ask, they just did it.
• 7:12
  Speaker 3: It's like government.
• 7:13
  Speaker 7: I think government roles have a set increase per year,
• 7:16
  Speaker 7: like you go up like one point five percent.
• 7:18
  Speaker 3: And they have airpicks super as well. Instead of having
• 7:21
  Speaker 3: them now ten percent super that we have, they have
• 7:24
  Speaker 3: I think a minimum of fourteen point five which has
• 7:26
  Speaker 3: probably just scorn up to fifteen percent super, which is
• 7:29
  Speaker 3: a money win. Like I remember back in my org
• 7:32
  Speaker 3: Psyite days having a client that was a university. Obviously
• 7:35
  Speaker 3: I can't tell you who they were, but they had
• 7:38
  Speaker 3: people in admin roles that had been there for yongks,
• 7:41
  Speaker 3: like thirty plus years, just doing these roles because that
• 7:44
  Speaker 3: was just their job, and they'd got their two point
• 7:46
  Speaker 3: five percent every single year, so they were on like
• 7:48
  Speaker 3: one hundred thousand dollars plus income admin roles that if
• 7:52
  Speaker 3: they were to advertise them obviously would go for less
• 7:55
  Speaker 3: than that. But then they also had these really big
• 7:58
  Speaker 3: long service leave packages and like if they were made redundant,
• 8:02
  Speaker 3: it would have cost that university hundreds of thousands of dollars.
• 8:05
  Speaker 3: So it's kind of like rock in a hard place
• 8:07
  Speaker 3: for them. But money win for these people with the
• 8:09
  Speaker 3: job definitely, because they're like, we're never believing little cash
• 8:14
  Speaker 3: cow exactly.
• 8:15
  Speaker 6: Jema said, I had to spend five hundred dollars on
• 8:18
  Speaker 6: textbooks and I've just started doing YouTube and I've got
• 8:22
  Speaker 6: my first five hundred dollars in ad sense revenue from
• 8:25
  Speaker 6: our YouTube channel, which means the YouTube paid for the textbooks,
• 8:29
  Speaker 6: so she doesn't have to pay a cent.
• 8:30
  Speaker 2: She said.
• 8:31
  Speaker 6: Whilst it's the same money win, I say that's two
• 8:33
  Speaker 6: money wins, right, yeah, money yeah, sure, right, And.
• 8:35
  Speaker 3: There's so much money in YouTube that I just didn't
• 8:37
  Speaker 3: know was there.
• 8:38
  Speaker 6: Yeah. I think this is one of the great manifests
• 8:41
  Speaker 6: of the year.
• 8:43
  Speaker 3: And it's not coming from Jessica my favorites.
• 8:46
  Speaker 6: But well it's come via Jess's aura by putting manifesting
• 8:50
  Speaker 6: into people's manifests.
• 8:52
  Speaker 4: So here we go, the community does it.
• 8:53
  Speaker 6: Together, Vanessa, I was on my way to kmart to
• 8:58
  Speaker 6: buy a clothes rack classic I found the exact same
• 9:01
  Speaker 6: clothes rack on the side of the road.
• 9:05
  Speaker 3: Yeah, that is so that is what we're here for.
• 9:09
  Speaker 3: That would be like a dream, like you know how
• 9:10
  Speaker 3: that stuff happens in your dreams. I'd be like, and she's.
• 9:13
  Speaker 7: Recycling as well. That person hasn't had to take it
• 9:16
  Speaker 7: to like yeah, the dump. It's like saved it from
• 9:18
  Speaker 7: landfille and she got it for free, Like that's amazing.
• 9:21
  Speaker 3: So well, actually someone was actually a moving house and
• 9:23
  Speaker 3: it was mind and moving. Yeah, she picked it up
• 9:27
  Speaker 3: on the way through.
• 9:28
  Speaker 6: And finally, actually I've got two more. But finally, Tamika,
• 9:32
  Speaker 6: can you just tell me the grab that see the
• 9:34
  Speaker 6: pictures on there?
• 9:35
  Speaker 4: Can you just tell me what you can see.
• 9:37
  Speaker 3: Oh, he hasn't splashed out with color prints.
• 9:40
  Speaker 4: It is so much better in color.
• 9:41
  Speaker 3: Sorry a kitchen bench, No, it's not. It's an entertainment unit.
• 9:47
  Speaker 4: So what happened is maybe if it was in color.
• 9:52
  Speaker 6: Well, this is actually interesting because Ta Meeka bought it
• 9:55
  Speaker 6: for ten dollars from Facebook marketplace. And you can see
• 9:57
  Speaker 6: the one on the left, who Tony's got. Now it's
• 10:00
  Speaker 6: it's done up right, she's covering half. So she spent
• 10:02
  Speaker 6: ten dollars on it, refurbished it, sold it for three
• 10:05
  Speaker 6: hundred and forty dollars.
• 10:07
  Speaker 1: Wow.
• 10:08
  Speaker 4: So the one on the right is like.
• 10:09
  Speaker 6: That before she's cut it in half, polished it up,
• 10:11
  Speaker 6: and sold it for a profit of three hundred and thirty.
• 10:13
  Speaker 3: Dollars much and she's like yes, a hot yeah.
• 10:18
  Speaker 1: And now it's like a little bureau kind of thing
• 10:20
  Speaker 1: that what.
• 10:20
  Speaker 7: Reason touch bro hutches the cupboards on the bottom, shelves
• 10:26
  Speaker 7: on the top, which was really common in like I'm
• 10:28
  Speaker 7: going to say seventies eighty.
• 10:31
  Speaker 1: And then bureau or like a console buckett all.
• 10:35
  Speaker 7: The same thing is like just like the flat unit.
• 10:38
  Speaker 1: Sorry that you don't know anything about hon decor how
• 10:41
  Speaker 1: embarrassing sorry.
• 10:43
  Speaker 3: I have an Ikea calyx as my TV and I'm
• 10:46
  Speaker 3: not changing.
• 10:48
  Speaker 6: All right, one final money win and do you guys
• 10:51
  Speaker 6: mind if I just make a quick call.
• 10:53
  Speaker 3: Yeah, of course, I'm excited.
• 10:55
  Speaker 4: Okay, hang on here.
• 11:00
  Speaker 3: When they don't answer, Hello.
• 11:04
  Speaker 6: Hello is this guy? Oh yeah, Welcome to the She's
• 11:07
  Speaker 6: on the Money Friday Drinks episode.
• 11:09
  Speaker 4: My name is Ryan.
• 11:09
  Speaker 6: I'm here with Victoria, Tony George, and Jess HALLI Hi. Now,
• 11:14
  Speaker 6: first of all, I just need to apologize because I
• 11:16
  Speaker 6: realized I just slipped into your DMS and said, Hi,
• 11:18
  Speaker 6: my name's Ryan.
• 11:19
  Speaker 4: What's your number? So I'm just sorry that was weird.
• 11:21
  Speaker 3: You're marriage? Yeah, I was a little bit sus not
• 11:24
  Speaker 3: gonna lie.
• 11:25
  Speaker 4: Yeah, sorry, I am yeah.
• 11:27
  Speaker 3: Sorry, I see that.
• 11:29
  Speaker 6: I know I see it because I've kind of just
• 11:30
  Speaker 6: reread what I've written and I'm like, this would look sus.
• 11:32
  Speaker 4: But I'm sorry about that.
• 11:33
  Speaker 6: So, uh, did you post any comments in the She's
• 11:38
  Speaker 6: on the Money Facebook group in the last week?
• 11:40
  Speaker 4: Yes?
• 11:40
  Speaker 3: I did?
• 11:41
  Speaker 4: What did you post?
• 11:43
  Speaker 2: I commented on the Queen.
• 11:47
  Speaker 4: Jar the Queener?
• 11:51
  Speaker 3: Did you now? My friends?
• 11:54
  Speaker 6: So last week I was doing spring cleaning because we're
• 11:56
  Speaker 6: in lockdown, nothing else to do. Literally tidying up and
• 11:59
  Speaker 6: I found this big bunch of coins and it ended
• 12:01
  Speaker 6: up being I know right. I mean, if I had
• 12:04
  Speaker 6: have known it now, I wouldn't have said I'll give
• 12:05
  Speaker 6: it away because.
• 12:08
  Speaker 4: But the correct.
• 12:09
  Speaker 6: Answer was one hundred and nine dollars and fifty cents,
• 12:13
  Speaker 6: and sky, you correctly guess that.
• 12:15
  Speaker 4: Money is yours. Well done. That's so fun.
• 12:22
  Speaker 6: Now can I just add that some your guess was
• 12:25
  Speaker 6: a one hundred nine dollars and fifty cents. Someone else
• 12:28
  Speaker 6: guessed one hundred nine dollars and forty five cents, and
• 12:31
  Speaker 6: some was ten cents. Over there was two point four
• 12:35
  Speaker 6: thousand guesses.
• 12:36
  Speaker 3: Wow, this is crazy, This is crazy. That is so fun.
• 12:41
  Speaker 3: And in our team. Obviously I couldn't enter. And I
• 12:43
  Speaker 3: thought that it was going to be so much more dramatic,
• 12:46
  Speaker 3: like that's a hundred bucks. I thought there was like
• 12:47
  Speaker 3: three hundred dollars in there.
• 12:49
  Speaker 4: I just couldn't it for you. Sorry, I thought we'd
• 12:52
  Speaker 4: also scoy. I'm so sorry to show changes.
• 12:54
  Speaker 3: Sorry, but I also thought we could give it the masterclass,
• 12:58
  Speaker 3: like that's fun too.
• 12:59
  Speaker 6: Why would you also like a masterclass? And assigned copy
• 13:02
  Speaker 6: of Victoria's book?
• 13:03
  Speaker 3: Oh my god, that would be she can have all
• 13:05
  Speaker 3: of it. It's a real price, which is like building it.
• 13:10
  Speaker 3: What else have we got? What can we give Scott?
• 13:13
  Speaker 6: All right, Scott, I will DM you later with the details.
• 13:16
  Speaker 6: Please respond and I know, like a weird old guy. Yeah,
• 13:20
  Speaker 6: actually maybe I'll get just to do it from the
• 13:21
  Speaker 6: she in the money account just looks official.
• 13:24
  Speaker 4: You're Scott. Thanks being part of the community.
• 13:26
  Speaker 3: Have the best night. I love that. What are the
• 13:33
  Speaker 3: surprises if you got for us?
• 13:34
  Speaker 4: Seriously, I justmed her and was like, hey, can you
• 13:36
  Speaker 4: tell me number?
• 13:37
  Speaker 3: And she gave it to What a trusting person. There's
• 13:42
  Speaker 3: no way if you DMed me and I hadn't met you,
• 13:45
  Speaker 3: that I'd give you my number.
• 13:46
  Speaker 1: Absolutely, I would you verified you?
• 13:54
  Speaker 3: All right? So we are back and I was going
• 13:57
  Speaker 3: to take credit for this because we kind of did
• 13:59
  Speaker 3: something similar last year, but I really can't because Tony
• 14:03
  Speaker 3: are Yeah, like it sounds like I am because I
• 14:06
  Speaker 3: Toats did it, But no, we did it last year.
• 14:09
  Speaker 3: We called it Accountability August, but it definitely didn't have
• 14:11
  Speaker 3: the same structure that Tony pitched us. We've just used
• 14:14
  Speaker 3: the same name because it was kind of catchy and
• 14:16
  Speaker 3: it's really hard to come up with catchy names. So
• 14:18
  Speaker 3: we've just used the same name, but it's different premise, Tony,
• 14:22
  Speaker 3: what are we doing this August?
• 14:23
  Speaker 1: So a couple of months ago, we chatted on Friday
• 14:25
  Speaker 1: drinks about someone in our community set up a no
• 14:29
  Speaker 1: spend month and all these other community met like the
• 14:32
  Speaker 1: post went off and all these people were talking about
• 14:34
  Speaker 1: how they weren't spending any money, and we thought, wouldn't
• 14:37
  Speaker 1: it be so funny if we could set up a
• 14:38
  Speaker 1: challenge month for the community so everyone could take part.
• 14:42
  Speaker 1: We would all be taking part, And we thought, well,
• 14:44
  Speaker 1: a no spend month, isn't you know, is maybe setting
• 14:47
  Speaker 1: a bar a little bit high, and we want it
• 14:49
  Speaker 1: to be easy for everybody. So we're starting da da
• 14:53
  Speaker 1: da accountability August yay. So basically we thought it be
• 15:00
  Speaker 1: really really fun if all of us came up with
• 15:02
  Speaker 1: a little goal that we wanted to meet over August.
• 15:06
  Speaker 1: So if you say, oh, I really want to cut
• 15:09
  Speaker 1: back on buying coffee, then over August you could try
• 15:12
  Speaker 1: and not buy any coffee and see if you make
• 15:14
  Speaker 1: it to the end of the month.
• 15:16
  Speaker 6: And so do we have to say this out loud? Hence, yeah,
• 15:19
  Speaker 6: the accountability.
• 15:20
  Speaker 3: You have to say it out loud, but you have
• 15:22
  Speaker 3: to share it with the community. So we'll have a
• 15:24
  Speaker 3: thread and we'll be checking in with you, and we're
• 15:26
  Speaker 3: going to have some really fun social tiles that you
• 15:28
  Speaker 3: can fill in and like post on your stories and stuff.
• 15:31
  Speaker 3: And I'm really excited about it because you know, if
• 15:34
  Speaker 3: I said let's cut back on coffee and not do
• 15:36
  Speaker 3: that for the month, like that's not relatable to everybody,
• 15:39
  Speaker 3: like just doesn't drink coffee. Some people would be like, well,
• 15:41
  Speaker 3: I've been making it at home for ages. I can't participate.
• 15:45
  Speaker 3: So you guys are going to choose what you want
• 15:47
  Speaker 3: to be held accountable for, and we all as a
• 15:50
  Speaker 3: team have different accountability challenges that we're going to take
• 15:53
  Speaker 3: on and we're just going to hold each other accountable.
• 15:55
  Speaker 3: So August is really productive and we all end it
• 15:58
  Speaker 3: on high, which I'm super stoked about. But to get
• 16:02
  Speaker 3: the wall rolling and give you guys a little bit
• 16:04
  Speaker 3: of inspiration, jess, what's your accountability August goal?
• 16:08
  Speaker 7: Well Tony suggested a no spend and I was like,
• 16:11
  Speaker 7: who do you think I am? Not someone with that
• 16:13
  Speaker 7: much self control?
• 16:14
  Speaker 3: That's it. I like it because it's relatable.
• 16:17
  Speaker 7: Hard no for me. I would love to, but unfortunately
• 16:20
  Speaker 7: it's just not practical. That's fine, So I decided to
• 16:22
  Speaker 7: go the other way, and I'm going to try to
• 16:24
  Speaker 7: make some money.
• 16:27
  Speaker 3: And you're going to try and spend more money.
• 16:30
  Speaker 7: I could definitely succeed at that, but no, like I
• 16:34
  Speaker 7: over lockdown. I'm sure I've said this before as the
• 16:36
  Speaker 7: money in, but over lockdown, I was cleaning out my closet.
• 16:38
  Speaker 7: I had a bunch of extra stuff, and we did
• 16:40
  Speaker 7: that really fun campaign with gum Tree last month as well,
• 16:43
  Speaker 7: where we learned that statistically, the average person has like
• 16:45
  Speaker 7: twenty seven unused items in their house. That's a lot
• 16:48
  Speaker 7: of that's a lot of items. So I thought, I'm
• 16:50
  Speaker 7: going to set myself the goal. I don't know if
• 16:52
  Speaker 7: this is way too ambitious because I sell things for
• 16:54
  Speaker 7: like five dollars, but I'm going to try to hit
• 16:57
  Speaker 7: five hundred dollars. Oh, you can totally do that month
• 17:00
  Speaker 7: of August. So Wardrobe's cute guys, I would buy her stuff.
• 17:03
  Speaker 3: Check me out on deep up, help me out.
• 17:05
  Speaker 1: The thing that I'm worried about though, with Jess is
• 17:07
  Speaker 1: that she's already started selling already ahead of us.
• 17:10
  Speaker 3: No no, no, no.
• 17:11
  Speaker 1: No, no no, August hasn't started.
• 17:13
  Speaker 4: Bad luck, mate, so none of it.
• 17:15
  Speaker 1: So none of the money she's made so far counts.
• 17:17
  Speaker 3: But don't go to my detop until August.
• 17:19
  Speaker 4: First, I have a question.
• 17:22
  Speaker 6: Victoria just said that she likes a lot of the
• 17:24
  Speaker 6: stuff in your wardrobe and she might buy it.
• 17:25
  Speaker 4: Is that awkward?
• 17:26
  Speaker 6: Because Victoria has already bought it, You've borrowed it from
• 17:28
  Speaker 6: her and now yourself.
• 17:30
  Speaker 3: It's just like a really great life cycle between that
• 17:34
  Speaker 3: happens in our office a fair bit. We're like, oh, Tony,
• 17:36
  Speaker 3: nice earrings, will you be wearing them next Friday? All right, Georgia,
• 17:42
  Speaker 3: what are you going to bring to the table?
• 17:44
  Speaker 5: Okay, so you both brought up this example before, Oh
• 17:47
  Speaker 5: did we? I'm going to ditch the hot bruise.
• 17:49
  Speaker 1: Yeah, it's such a good one.
• 17:51
  Speaker 5: Yeah, I've found, especially through lockdown. We've just come out
• 17:55
  Speaker 5: of a couple of weeks of that coffee every day
• 17:58
  Speaker 5: was my one thing, but now the plenty of other.
• 18:00
  Speaker 1: Joy in the world.
• 18:01
  Speaker 5: So I'm going to like seeing in person precisely, Yeah, exactly.
• 18:05
  Speaker 5: Do you think a coffee like no coffee at all
• 18:08
  Speaker 5: or maybe no.
• 18:09
  Speaker 3: Perchase week day? Okay, So like you can make it
• 18:12
  Speaker 3: at home. I think that's fine.
• 18:13
  Speaker 6: Some people could spend not much, make it at home
• 18:16
  Speaker 6: and save a fortune on the five dollars a day
• 18:18
  Speaker 6: going to a cafe, like to make it one single
• 18:20
  Speaker 6: coffee at home be way less than a dollar. So
• 18:22
  Speaker 6: if you're going to drive yourself insane by having no coffee,
• 18:24
  Speaker 6: I mean that's a physical challenge.
• 18:28
  Speaker 3: Buy some coffee. Yeah, yeah, someone can buy your coffee.
• 18:31
  Speaker 3: That's like a loophole. Half. I can just like buy
• 18:33
  Speaker 3: all your coffee.
• 18:34
  Speaker 6: If you see someone in Carlton North just loitering around
• 18:37
  Speaker 6: a cafe, then you are going to finish finisher.
• 18:42
  Speaker 3: No, I want to take it a step further because like,
• 18:44
  Speaker 3: not buying coffees is one half of it. But like Ryan,
• 18:47
  Speaker 3: you actually have to do some money. So you have
• 18:50
  Speaker 3: to like work out how much on average you were
• 18:53
  Speaker 3: spending on coffee last month, and I want you to
• 18:55
  Speaker 3: each week put that in a savings account so that
• 18:57
  Speaker 3: at the end of the month you have something to
• 18:58
  Speaker 3: show for it stead of just depriving yourself and maybe
• 19:01
  Speaker 3: having spent it on something else. Like we want to
• 19:04
  Speaker 3: get to the end of the month and have an outcome,
• 19:07
  Speaker 3: not go well, I just didn't have a coffee. Where
• 19:09
  Speaker 3: that money go?
• 19:10
  Speaker 5: Pay myself?
• 19:11
  Speaker 4: All right?
• 19:11
  Speaker 5: Cool?
• 19:12
  Speaker 6: My accountability August. And this is going to be really
• 19:15
  Speaker 6: hard because not only is it about the money, but
• 19:17
  Speaker 6: I actually just love it.
• 19:18
  Speaker 4: I'm not going to do Uber eats for a whole month,
• 19:21
  Speaker 4: a month, the whole month of August.
• 19:23
  Speaker 3: Whoats?
• 19:24
  Speaker 4: So where the money's going to work?
• 19:26
  Speaker 3: In breakfast radio? And you're saying, no.
• 19:29
  Speaker 4: Oh, that is tricky. I'll make Jason pay for is.
• 19:33
  Speaker 3: The loophole here that Bridget does the Uber ey?
• 19:35
  Speaker 4: No?
• 19:36
  Speaker 6: No, I just don't want Uber eats for the month.
• 19:38
  Speaker 6: But what I will do is I'll figure oh, this
• 19:40
  Speaker 6: is awful. I'll figure out how much I've spent on
• 19:43
  Speaker 6: Uber eats through July and June, and then the money
• 19:45
  Speaker 6: I haven't spent. I'll be able to see the difference
• 19:47
  Speaker 6: between the two.
• 19:48
  Speaker 1: And that's good.
• 19:49
  Speaker 4: Could be confronting.
• 19:51
  Speaker 3: I like that. Could you please share that with the
• 19:53
  Speaker 3: team later, Tony Lodge, what have you got for us?
• 19:57
  Speaker 1: Okay, I'm gonna give it a red hot go and
• 20:00
  Speaker 1: I'm going to try and do a no spend month
• 20:03
  Speaker 1: for August.
• 20:04
  Speaker 3: Yet it quick like a no discretionary month or she's
• 20:07
  Speaker 3: not buying groceries.
• 20:09
  Speaker 1: I'm just going to not pay rand. So the way
• 20:14
  Speaker 1: that I'm going to figure out how much money I've
• 20:15
  Speaker 1: saved is every time I go to buy something like say,
• 20:18
  Speaker 1: go to buy lunch, go to buy a coffee, or
• 20:20
  Speaker 1: like a sports membership, might I don't know, just trying
• 20:23
  Speaker 1: to sound relatable. Then I'm going to go, all right,
• 20:25
  Speaker 1: well that would be twenty five dollars, and then I'm
• 20:28
  Speaker 1: going to put that twenty five dollars into another account.
• 20:30
  Speaker 1: So I'm still going to spend the money, but it'll
• 20:34
  Speaker 1: just go to that instead of yeah, how much you
• 20:38
  Speaker 1: would have spent.
• 20:39
  Speaker 3: Ye.
• 20:40
  Speaker 1: So I believe in you.
• 20:41
  Speaker 3: You can do it.
• 20:42
  Speaker 1: Thank you. I'm very scared, but I'm really excited. I
• 20:44
  Speaker 1: think it'll be a good exercise. Yes, what do you
• 20:47
  Speaker 1: do on v okay?
• 20:48
  Speaker 3: So I have committed and I committed to this because
• 20:52
  Speaker 3: over the last six months, I feel like you've heard
• 20:54
  Speaker 3: it on my Confessions a number of times. I'm not
• 20:57
  Speaker 3: that good at bringing lunch to work. I'm not going
• 20:59
  Speaker 3: to buy lunch at work any of those days, and
• 21:02
  Speaker 3: I'm going to bring packed lunch and like plan my meals.
• 21:05
  Speaker 4: Pack by a restaurant with Uber Eats.
• 21:07
  Speaker 3: No Uber eats for lunch. No eating out for lunch
• 21:11
  Speaker 3: unless it's like a celebration.
• 21:14
  Speaker 6: If we're both not doing uberats, what are we going
• 21:15
  Speaker 6: to do when the two of us are together.
• 21:17
  Speaker 3: Oh, we'll start will be really hungry, know what we do?
• 21:20
  Speaker 3: If we're we're actually going to be really thin by
• 21:22
  Speaker 3: the end of the month.
• 21:24
  Speaker 4: Let's not make too high.
• 21:25
  Speaker 3: Predictably, I'll be packing enough snacks. I'll be like, oh,
• 21:29
  Speaker 3: I'm just eating this corn for lunch, Tony, and you'll
• 21:31
  Speaker 3: feel like, why are we committed? I guess yeah. So
• 21:36
  Speaker 3: I'm going to bring my lunch every single day to
• 21:38
  Speaker 3: work that I go to work, and I'm not going
• 21:40
  Speaker 3: to order uber eats if I'm working from home, which
• 21:43
  Speaker 3: I have fallen back on during lockdown because that's easy.
• 21:46
  Speaker 3: So I think that that for me is it's genuinely
• 21:49
  Speaker 3: going to be challenging. But I'm actually really excited and
• 21:53
  Speaker 3: I feel like I'm really excited to see what everybody
• 21:55
  Speaker 3: else does. And I think I'm going to end up
• 21:56
  Speaker 3: with FOMO because I know the second that thread comes out,
• 21:59
  Speaker 3: people are going to have better ideas than I had.
• 22:01
  Speaker 1: So there's that, but hopefully some of our ideas have
• 22:04
  Speaker 1: given you a little bit of inspiration and I'll get
• 22:06
  Speaker 1: Jess to pop up a little thread and you can
• 22:08
  Speaker 1: all talk about what you're going to do, and hopefully, yeah,
• 22:11
  Speaker 1: it's like the kick that you need to do a
• 22:13
  Speaker 1: little bit of a challenge. Because as well, we've seen
• 22:15
  Speaker 1: lots of people talking in the group about being in
• 22:17
  Speaker 1: lockdown and going, I'm just spending so much money because.
• 22:21
  Speaker 3: I feel crap about being a home. It's so easy
• 22:25
  Speaker 3: to feel awful when.
• 22:26
  Speaker 1: You're home and do that little naughty Uber eats order
• 22:28
  Speaker 1: because you go, oh, I could make a coffee, but
• 22:30
  Speaker 1: I really like the one down the road, and then
• 22:32
  Speaker 1: you Uber eats ring coffee, Uber eats ring, Uber eats
• 22:36
  Speaker 1: eats a no bring whatever, and then spend.
• 22:39
  Speaker 4: August has really got to your head.
• 22:41
  Speaker 1: Yeah, I can't take any money already.
• 22:46
  Speaker 3: All right, that is enough about accountability, August. Let's do
• 22:49
  Speaker 3: some money wins and confessions before we wrap this up
• 22:52
  Speaker 3: and get out of here. Let's throw it straight to
• 22:55
  Speaker 3: Georgia King. All right, what have you got a confession?
• 23:00
  Speaker 3: You just staring at me being like, don't do it.
• 23:03
  Speaker 3: We'll get it over with.
• 23:05
  Speaker 5: So, as I just said before, lockdown meant that I
• 23:09
  Speaker 5: spent a lot of money on coffee, and it also
• 23:11
  Speaker 5: meant that I spent a lot of time on social media.
• 23:14
  Speaker 5: And as you guys know, that's not my jam.
• 23:16
  Speaker 1: That's not usual, George.
• 23:18
  Speaker 4: It doesn't sound like you know.
• 23:19
  Speaker 5: I've been scrolling. I've been looking at things, clicking, liking.
• 23:22
  Speaker 1: Commenting the basic premises.
• 23:26
  Speaker 5: But I found in doing so that I want more,
• 23:30
  Speaker 5: I really want, and I've been buying things and I shouldn't.
• 23:35
  Speaker 5: And we always say she's on the money. To unsubscribe
• 23:39
  Speaker 5: from the marketing emails, unfollow those pages that make you
• 23:42
  Speaker 5: want to buy, and I just like it following.
• 23:45
  Speaker 3: I say not as we do for the podcast.
• 23:47
  Speaker 5: You know, I've just really noticed it, like I've never
• 23:50
  Speaker 5: really did this.
• 23:52
  Speaker 3: Jumper jumpers a lot.
• 23:56
  Speaker 5: I saw many jumps.
• 23:57
  Speaker 3: I don't need anyone do. I feel like you.
• 23:59
  Speaker 1: Always jumpers, really jumpers and coffee.
• 24:04
  Speaker 5: But I'm going to like unsubscribe and unfollow and try
• 24:07
  Speaker 5: and be more zen.
• 24:08
  Speaker 1: I've been doing that a lot lately, muting a lot
• 24:10
  Speaker 1: of Instagrams because I still want to support them with
• 24:13
  Speaker 1: the follows because it's like a brand that I like.
• 24:15
  Speaker 1: But I just go, oh, you know what, I can't
• 24:17
  Speaker 1: really look at you right now, and it actually makes
• 24:20
  Speaker 1: so much of a different really.
• 24:22
  Speaker 3: Yeah, all right, Jess, you are awfully quiet. What have
• 24:25
  Speaker 3: you got for us?
• 24:26
  Speaker 7: I have a win ya, but it's a loss because
• 24:29
  Speaker 7: it's a deep up win, like a week too soon.
• 24:33
  Speaker 7: But it's really fun because, as I said, I've been
• 24:35
  Speaker 7: cleaning stuff out, putting them on deep up selling a
• 24:36
  Speaker 7: few bits and bobs, and a.
• 24:38
  Speaker 3: Girl purchased a couple of items.
• 24:40
  Speaker 7: And I do this thing where like, if a person
• 24:41
  Speaker 7: purchases like a bundle of items, I'll usually do them
• 24:43
  Speaker 7: a cheeky like discount, and normally people will ask that
• 24:46
  Speaker 7: because we all love our bargains when we're shopping second
• 24:49
  Speaker 7: haand online. I do it too, totally guilty. But she
• 24:52
  Speaker 7: didn't ask, and I was like, oh, hey, like I've
• 24:54
  Speaker 7: knocked five bucks off because you've purchased a couple of things.
• 24:56
  Speaker 7: And she was like, oh my gosh, thank you so much.
• 24:58
  Speaker 7: I'm going to count. This is a money win for
• 25:00
  Speaker 7: the much it was Margaret from the community, and I
• 25:03
  Speaker 7: got so excited.
• 25:05
  Speaker 3: So that is literally sunny win.
• 25:08
  Speaker 1: Life win.
• 25:08
  Speaker 3: Margaret. I'd love a photo of you in the clothes
• 25:10
  Speaker 3: cheers Maggie, But like, oh that is so cute. I
• 25:14
  Speaker 3: love that so so much. Can I do my money
• 25:17
  Speaker 3: win now?
• 25:18
  Speaker 4: Yeah?
• 25:18
  Speaker 3: I have two? Are you ready?
• 25:19
  Speaker 4: Yeah?
• 25:19
  Speaker 3: Okay, So the first one is actually related to jess is.
• 25:23
  Speaker 3: There was this dress that I really wanted and couldn't
• 25:25
  Speaker 3: find it. It sold out really quickly, and it sold
• 25:27
  Speaker 3: out really quickly. It probably didn't it was just too
• 25:30
  Speaker 3: expensive for me to justify at the time. Founded on
• 25:32
  Speaker 3: Facebook marketplace, but for rent, and I was like, oh, like,
• 25:36
  Speaker 3: I don't want to rent it. I actually want to
• 25:38
  Speaker 3: buy it because I want to wear it more regularly
• 25:40
  Speaker 3: than that. So I messaged the girl and said, hey,
• 25:42
  Speaker 3: totally no, it's up for rent, but I'd love to
• 25:45
  Speaker 3: buy it when you're done with it, like let me know.
• 25:47
  Speaker 3: She was like, oh, I only have like one more
• 25:50
  Speaker 3: booking left on it. You can actually buy it from me.
• 25:52
  Speaker 3: After that all counted as a money win. She was
• 25:55
  Speaker 3: also from the community, and that's so bad. But I
• 25:59
  Speaker 3: nearly forgot about that as a money win and it
• 26:02
  Speaker 3: was literally the best thing ever. She's like, oh my god,
• 26:04
  Speaker 3: I'll package it all up after you know it comes back.
• 26:07
  Speaker 3: I'll dry clean it for you. And I'm like, do
• 26:09
  Speaker 3: I need to pay you more for that like, I
• 26:10
  Speaker 3: will cover all of it. I just want the dress. Yeah,
• 26:12
  Speaker 3: and yeah, it was like I paid I think twenty
• 26:15
  Speaker 3: five percent of the original price, which is a money
• 26:17
  Speaker 3: win for a dress, and I'm like, seventy five percent off.
• 26:21
  Speaker 7: Yes, And it's like seeing the community in the wild,
• 26:24
  Speaker 7: Like it's so fun when I like bump into someone
• 26:26
  Speaker 7: or if someone sees this and SA's high, I'm like, oh.
• 26:28
  Speaker 3: My god, you're an actual busy No, it's so fun,
• 26:31
  Speaker 3: Like you guys are faking. This is so weird.
• 26:34
  Speaker 1: I love it.
• 26:35
  Speaker 3: And then my actual money win, which is a big
• 26:38
  Speaker 3: money win slash money loss. I bought a car, which
• 26:43
  Speaker 3: I'm very excited about because it's been a long time
• 26:46
  Speaker 3: in the making and I think our team are a
• 26:48
  Speaker 3: bit sick of the car that I have right now because.
• 26:51
  Speaker 1: We don't all fit in it.
• 26:53
  Speaker 3: It's like a small two door coupe. It was the
• 26:56
  Speaker 3: first car that I purchased when I could afford to
• 26:58
  Speaker 3: buy a car for myself, and I still love it,
• 27:01
  Speaker 3: like I haven't sold it yet because I literally love it.
• 27:04
  Speaker 3: And I'm like, oh, I have to go to a
• 27:05
  Speaker 3: good owner. Like I love her. I've looked after her
• 27:07
  Speaker 3: very very.
• 27:08
  Speaker 6: Well, but when I'm in the front seat and then
• 27:10
  Speaker 6: Tony's on my lap and then the dog's on Tony's lap.
• 27:12
  Speaker 3: Yeah, it's like like awner and it's got like the
• 27:19
  Speaker 3: squishiest little back seat. And now with Lucy the dog,
• 27:22
  Speaker 3: I needed something bigger, right, So obviously if you upgraded
• 27:25
  Speaker 3: your car because of the dog, like it was a factor,
• 27:29
  Speaker 3: is that bad?
• 27:29
  Speaker 1: Nah?
• 27:32
  Speaker 4: Thread on this? Did you upgrade your car for your dog?
• 27:34
  Speaker 4: Put a threat?
• 27:35
  Speaker 1: I think a lot of people.
• 27:38
  Speaker 4: Style make a thread I reckon lots of people.
• 27:42
  Speaker 3: Yeah, so I needed a bigger car, right, But in
• 27:45
  Speaker 3: true she's on the money form. There is no way
• 27:46
  Speaker 3: I was purchasing a brand new one. And with current
• 27:50
  Speaker 3: car prices, there was also no way I was purchasing
• 27:52
  Speaker 3: something secondhand in my state because they're all really overpriced,
• 27:56
  Speaker 3: like COVID pricing is wild. And so I was also
• 27:59
  Speaker 3: happy put this purchase off for ages because I was like,
• 28:01
  Speaker 3: all right, like, it's no worry to me. I don't
• 28:04
  Speaker 3: want to be stooge on a bad deal. Yeah, anyway,
• 28:07
  Speaker 3: found one interstate. It was over in Perth Perth car
• 28:11
  Speaker 3: Market preserve, yes, but it wasn't nearly as overpriced as
• 28:16
  Speaker 3: what the cars in Melbourne were and I got in
• 28:19
  Speaker 3: contact with them. It was like a wholesale dealer, so
• 28:21
  Speaker 3: you know, to be owned by someone else before, which
• 28:23
  Speaker 3: I clearly was okay with. And they were like, yup, cool,
• 28:26
  Speaker 3: Like we can ship it over to you really easily.
• 28:28
  Speaker 3: It was all included.
• 28:29
  Speaker 1: It did your process.
• 28:30
  Speaker 3: Yes, but like I got a secondhand car for literally
• 28:34
  Speaker 3: like twenty percent less by buying it inter state than
• 28:38
  Speaker 3: I did by buying it in.
• 28:39
  Speaker 6: Melbourne, and even the cost of shipping it over still
• 28:41
  Speaker 6: way cheaper.
• 28:42
  Speaker 3: Yep, still way cheaper. So I obviously did my numbers,
• 28:45
  Speaker 3: had a spreadsheet the cost of shipping it over, paying
• 28:48
  Speaker 3: for registration in Victoria, and the insurance and all of
• 28:51
  Speaker 3: the stuff that goes along with that, because you also
• 28:53
  Speaker 3: need to get like a road worthy and there were
• 28:55
  Speaker 3: a few hoops much cheaper, still more than twenty percent cheaper.
• 28:59
  Speaker 3: And I'm very very excited about it because now I
• 29:01
  Speaker 3: can fit my whole team in the car and my dog.
• 29:03
  Speaker 7: We can go and get nuggets, we can go through
• 29:06
  Speaker 7: drive through as the person always relegated to the backseat.
• 29:10
  Speaker 3: I'm very excited to a door a the going will
• 29:16
  Speaker 3: be a luxury.
• 29:17
  Speaker 4: Can you get the lever for me, I'm still in
• 29:19
  Speaker 4: the back here.
• 29:19
  Speaker 3: Again, Tony. What is your money win or confession?
• 29:23
  Speaker 1: I have a confession. So over the past week, my
• 29:27
  Speaker 1: boyfriend and I have been moving house, and I know
• 29:29
  Speaker 1: that I've talked about it a lot. So this is
• 29:31
  Speaker 1: I promise the last time. And we got a cleaner
• 29:35
  Speaker 1: in to do all the last bits and pieces, and
• 29:38
  Speaker 1: they were like, the real estate agent came back with
• 29:40
  Speaker 1: a couple of things and they said, there's a few
• 29:43
  Speaker 1: more things that you've got to do. Would you do
• 29:44
  Speaker 1: you want to just come in and do them? And
• 29:46
  Speaker 1: I said, no, please, just get another cleaner and I'll
• 29:49
  Speaker 1: just don't pay them. No, it's too.
• 29:52
  Speaker 4: Late, I know. And they probably cleaned it himself. The
• 29:58
  Speaker 4: real estate agent probably took your.
• 30:01
  Speaker 3: I can't believe you didn't get Jess to call them
• 30:03
  Speaker 3: and like query about she would be so sassy on
• 30:07
  Speaker 3: the phone. It would have worked out in your favor
• 30:09
  Speaker 3: and you could have just bought her a hot chocolate
• 30:11
  Speaker 3: or something.
• 30:11
  Speaker 1: Yeah, but well, for the sanity, it was a bit lazy,
• 30:14
  Speaker 1: but a bit of a confession that there's there goes
• 30:16
  Speaker 1: a bit in there, a little bit of cash which
• 30:18
  Speaker 1: I probably could have hung on to, but I just
• 30:20
  Speaker 1: won't spend it next month.
• 30:22
  Speaker 4: Yeah, I love that. Ryan.
• 30:24
  Speaker 3: If you got something you'd like to share with the group.
• 30:27
  Speaker 4: I'm an idiot.
• 30:28
  Speaker 1: Oh okay, well could you tell us.
• 30:30
  Speaker 4: Something we do? And I also have a confession.
• 30:34
  Speaker 6: I lost my car keys again one so I lot
• 30:39
  Speaker 6: of car keys a while ago, but I've only now
• 30:41
  Speaker 6: got around to replacing them because I've been using the
• 30:43
  Speaker 6: spare keys and it's one of the you know, I
• 30:46
  Speaker 6: don't want to say proper ones, but.
• 30:47
  Speaker 3: You know, but like the electric ones are really expensive to.
• 30:50
  Speaker 1: Especially when you drive a Volkswagen.
• 30:52
  Speaker 6: Well, speaking of Volkswagen, it comes from Germany. The actual key.
• 30:56
  Speaker 6: They're like, oh, we have to call Germany to order it.
• 30:59
  Speaker 1: Prog I don't think called hey Germany, how are you?
• 31:02
  Speaker 4: How about those Olympics we beat you?
• 31:03
  Speaker 3: Yeah?
• 31:04
  Speaker 6: Yeah, classic, I assumed, and I knew they weren't going
• 31:06
  Speaker 6: to be like cheap cheap, but I thought I'd go
• 31:08
  Speaker 6: into the place that does the service, mister minute, and
• 31:10
  Speaker 6: they would just open the.
• 31:11
  Speaker 4: Drawer and go, yeah, cool.
• 31:12
  Speaker 3: Mate, here it is another one. Is that not the case?
• 31:15
  Speaker 6: It takes five weeks, they have to order it from Germany.
• 31:17
  Speaker 6: Then you take your car and you didn't have a spare,
• 31:21
  Speaker 6: and they're.
• 31:21
  Speaker 1: Like, maybe hey, gone, guys, locksmith's sort of thing like probably.
• 31:25
  Speaker 3: Get in the car, but like you couldn't drive it.
• 31:27
  Speaker 3: And if that's the case, I'd pay a locksmith like
• 31:29
  Speaker 3: a couple of hundred dollars because I feel like Ryan's
• 31:32
  Speaker 3: about to tell us what his key cost.
• 31:34
  Speaker 6: Four week weight from Germany. Then they have to program
• 31:37
  Speaker 6: it in the computer and it's going to cost over
• 31:39
  Speaker 6: three hundred and fifty dollars.
• 31:41
  Speaker 1: That's how much my cleaner was.
• 31:42
  Speaker 4: Oh my god, we're both as dumb as each We
• 31:44
  Speaker 4: are idiots.
• 31:45
  Speaker 2: No, you are not.
• 31:46
  Speaker 3: We all have money, wins and confessions for a lost key.
• 31:50
  Speaker 7: Can a locksmith make a key based on it? No,
• 31:53
  Speaker 7: that's probably really only thing.
• 31:54
  Speaker 4: Well it's for a computer.
• 31:56
  Speaker 7: No, But like does your car door not have in
• 31:58
  Speaker 7: addition to the book, like a key?
• 32:00
  Speaker 3: For sure?
• 32:02
  Speaker 4: Like normally they.
• 32:03
  Speaker 7: Do, because what happens if you're like battery dies when
• 32:05
  Speaker 7: you're out.
• 32:06
  Speaker 1: New fancy cars don't have that.
• 32:08
  Speaker 3: Old apparently, yeah, we're definitely like, my new car doesn't
• 32:12
  Speaker 3: even have that.
• 32:12
  Speaker 7: Okay, Ryan, that's been nice.
• 32:15
  Speaker 4: It's an old car.
• 32:16
  Speaker 3: Oh it's a Volkswagen, very nice. So once again, Ryan's
• 32:22
  Speaker 3: just letting us know how rich he is. That's actually
• 32:25
  Speaker 3: all I want to talk about right now.
• 32:26
  Speaker 6: It was actually my wife't car that she owns. I
• 32:29
  Speaker 6: lost turkey.
• 32:30
  Speaker 4: You married rich.
• 32:33
  Speaker 3: Money. You're not getting out of this. But as always,
• 32:36
  Speaker 3: that is all we have time for today. So just
• 32:39
  Speaker 3: before we head off, we'd like to acknowledge and pay
• 32:41
  Speaker 3: respect to Australia's Aboriginal and torrest Rait island of People's.
• 32:45
  Speaker 3: They're the traditional custodians of the lands, the waterways and
• 32:48
  Speaker 3: the skies all across Australia. We thank you for sharing
• 32:52
  Speaker 3: and the caring for the land on which we are
• 32:54
  Speaker 3: able to learn. We pay respects to elders past and present,
• 32:57
  Speaker 3: and we share our friendship and our kindness.
• 33:00
  Speaker 5: And remember, guys that the advice shared on She's on
• 33:02
  Speaker 5: the Money is general in nature and does not consider
• 33:05
  Speaker 5: your individual circumstances. She's on the Money exists purely for
• 33:09
  Speaker 5: educational purposes and should not be relied upon to make
• 33:12
  Speaker 5: an investment or a financial decision, and we promise Victoria
• 33:15
  Speaker 5: Devine is an authorized representative of Australia Pacific Funds Management
• 33:20
  Speaker 5: Proprietarily Limited A what is it g Proprietary Limited a
• 33:26
  Speaker 5: BN three four one three two four six three two
• 33:29
  Speaker 5: five seven AFSL three three nine one.
• 33:32
  Speaker 3: Now quick question, Georgia, did you forget that that was
• 33:34
  Speaker 3: your job and scrambled for your act? Yeah, okay, I
• 33:37
  Speaker 3: saw that you found it in record times. But yeah,
• 33:40
  Speaker 3: as always, if you want to find us on socials,
• 33:42
  Speaker 3: come and be friends in our Facebook group where we
• 33:45
  Speaker 3: share money tips and tricks every single day free of judgment.
• 33:48
  Speaker 3: So so she's on the money on Facebook and join
• 33:51
  Speaker 3: us and we'll see you next week guys.
• 33:53
  Speaker 1: And make sure hang on, make sure that you jump
• 33:55
  Speaker 1: into the group and tell us
• 33:56
  Speaker 3: What your oh yeah, hey,