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I'm Bored. Give Me Your Most Unhinged Money Saving Hacks... · She's On The Money

• 0:00
  Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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  Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,
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  Speaker 1: Kaka yah Ya bin Ahaka Nian Our gay In Nimbina,
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  Speaker 1: yakarum Jar, Dominyama, Domaga, Ithawakaman, damon Imlan Bumba, bang Gadabomba
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  Speaker 1: in and now in wakah Ghana on yak rum Jar
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  Speaker 1: water Nadaa. Hello, beautiful friends, we gather on the lands
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  Speaker 1: of the Aboriginal people. We thank, acknowledge and respect the
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  Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure
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  Speaker 1: in all the land and respect all that you see.
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  Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,
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  Speaker 1: bringing you the tools, knowledge and resources for you to thrive.
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  Speaker 2: She's on the Money. She's on the Money. Hello and
• 1:08
  Speaker 2: welcome to She's on the Money the podcast. It's all
• 1:10
  Speaker 2: about building better money, habits and outsmarting your impulse buyers
• 1:13
  Speaker 2: before they outsmart you. I'm beck side and with Me
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  Speaker 2: is our favorite for my financial advisor with a background
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  Speaker 2: in psychology, which basically makes her your personal finance voice
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  Speaker 2: of reason. Victoria divide. Oh, thank you personal finance voice
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  Speaker 2: of reason? Like God, you can't say that's probably not
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  Speaker 2: what I would say, God, because I say often do
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  Speaker 2: as I say, not as I do. So like, am
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  Speaker 2: I actually your voice of reason?
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  Speaker 3: Because like I could also talk you into spending money
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  Speaker 3: and I'm actually really good at that.
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  Speaker 2: Hey, that's okay, because I think that it's it's the advice.
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  Speaker 2: Like we often don't take our own advice, but the
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  Speaker 2: advice that you give is I do try to take
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  Speaker 2: my own advice best practice. You know, Oh, absolutely well, today, Beck,
• 1:54
  Speaker 2: we've decided to change things up a little bit.
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  Speaker 3: If you've even spent five minutes on TikTok lately, try
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  Speaker 3: five hours. You've probably seen the trend where people are
• 2:03
  Speaker 3: asking for the most unhinged hacks to fix literally anything.
• 2:07
  Speaker 3: They're like, oh my gosh, what's your most unhinged hack
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  Speaker 3: to get over your eggs? Or I love what's your
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  Speaker 3: most unhinged hack for like hacking productivity or sleep?
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  Speaker 2: You name it, there's a video for it.
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  Speaker 3: Or someone in our shees on the Money Facebook group,
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  Speaker 3: Beck asked for the most unhinged ways to stop yourself
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  Speaker 3: from dopamine spending.
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  Speaker 2: Our community did not disappoint What a good idea?
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  Speaker 3: They didn't disappoint so much that we've made it a
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  Speaker 3: whole episode and we thought, what a good idea?
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  Speaker 2: How fun is that? Because let's be real, sometimes traditional
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  Speaker 2: money of us it doesn't cut it. No, I can
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  Speaker 2: see you down and be like, okay, cool. So this
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  Speaker 2: is how you write a statement of advice, and you
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  Speaker 2: guys are already glazed doper. Sometimes a budget is just
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  Speaker 2: not enough. You need to physically put your credit card
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  Speaker 2: in a bowl of water and put it in the
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  Speaker 2: freezer and then walk away.
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  Speaker 4: Yeah.
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  Speaker 2: Like, sometimes you just got to do what you got
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  Speaker 2: to do, or take it out for it freezes over. Yeah,
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  Speaker 2: I know, but we'll try. We'll try. We're going to
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  Speaker 2: try anything. So today you and I sharing a bunch
• 3:00
  Speaker 2: of the best and most unhinged tax some from that
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  Speaker 2: Facebook group and some which are arguably even more unhinged
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  Speaker 2: that we've gone and dug up on TikTok yay, do
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  Speaker 2: you have any unhinged tax back? Well, as you know,
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  Speaker 2: I'm not very good with money, but I think that
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  Speaker 2: the probably the most. Like it's not unhinged, but like I,
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  Speaker 2: if anything's in cash, then I can forget that it exists,
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  Speaker 2: So it's not any interest, it's not anything. But I've
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  Speaker 2: done some weird things with cash, like I'll send money
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  Speaker 2: to random places. I think I've sent money to my
• 3:32
  Speaker 2: best friend. Well, I can't be trusted. I can't be trusted.
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  Speaker 2: I'll send money to my friends, and like you know,
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  Speaker 2: obviously depends on the relationship you have with your friends
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  Speaker 2: if you trust them. But send money to your friends,
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  Speaker 2: send many to your parents, whoever you trust the most,
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  Speaker 2: and just be like, do not let me touch this.
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  Speaker 2: But my most unhinged and I was explained to my
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  Speaker 2: girlfriend the other day, was that, so we're going to
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  Speaker 2: go to Thailand. I'm exciting, but I said, I physically
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  Speaker 2: cannot save for it. If I get to a point
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  Speaker 2: where I've saved X amount of money to go on
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  Speaker 2: a trip, I'm like, well, there goes my life savings
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  Speaker 2: and I could be putting that towarterhouse. So instead what
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  Speaker 2: I do is I as I shouldn't say this, I
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  Speaker 2: paid you. No, No, you can say it. This is
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  Speaker 2: a safe space. Have I ever actually judged you for
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  Speaker 2: making a money decision? Exactually that's probably not your best moment,
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  Speaker 2: but like also been there, done that, totally. Well, for example,
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  Speaker 2: I've after paid the hotel already, so I'm like, you
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  Speaker 2: can just pay it off, pay it off slowly. I
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  Speaker 2: did not save for it. I didn't budget for it.
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  Speaker 2: I just after paid a hotel and now I literally
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  Speaker 2: and it's non refundable because the way a fundable thing,
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  Speaker 2: I have to I have to it just anxiety, I know, same,
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  Speaker 2: but I have to. So after pay the hotel, I've
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  Speaker 2: only paid like two hundred bucks of it, and then
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  Speaker 2: the rest I must do, like I actually have to others,
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  Speaker 2: I'm screwed. So I just don't say for anything and
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  Speaker 2: I just wing it. That's my unined.
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  Speaker 4: Oh.
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  Speaker 2: I feel like that's terrifying to me because I'm just
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  Speaker 2: so like taype Ai.
• 5:00
  Speaker 3: Actually that's a lie, because you know, I spend a
• 5:02
  Speaker 3: lot of time on TikTok. There's apparently type A people
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  Speaker 3: really super organized. Then there's type B people who I
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  Speaker 3: would say, you're type B, I see, which is good.
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  Speaker 2: We are a little bit more.
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  Speaker 3: Rogue, kind of don't worry about structure or planning. Like
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  Speaker 3: if you came to my house, there's like everything in
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  Speaker 3: a little tub in a fridge organized like you'd be
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  Speaker 3: like absolutely not Victoria. But then there's Type C, and
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  Speaker 3: I have recently learned that that is me, And it's
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  Speaker 3: a mix of Type A and Type B. So you
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  Speaker 3: want to be really organized, but you often are a
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  Speaker 3: little bit too doululu to actually commit to that. So
• 5:34
  Speaker 3: like sometimes you're like so planned, so organized, but then
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  Speaker 3: on the flip side, you're also like yollow.
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  Speaker 2: And then you just can't be trusted. So I'm a
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  Speaker 2: Type C friend. I believe that.
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  Speaker 3: Yeah, like we want to be organized, we want to
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  Speaker 3: like things must be nice, we like the organized fridge vibes,
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  Speaker 3: but then also we're just yollowing all the way home.
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  Speaker 2: So you just can't win absolutely well on that note, yes,
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  Speaker 2: considering that was a bad hack.
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  Speaker 3: For not like, we didn't say that these hacks are
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  Speaker 3: going to work for you, So we were just going
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  Speaker 3: to share the hacks that we found, so read between
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  Speaker 3: the lines there.
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  Speaker 2: Yeah, you use that however you like exactly, no judgment.
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  Speaker 2: I don't mind. Well what's my hack? Yeah, what's yours?
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  Speaker 2: My hack is? It's not even a hack.
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  Speaker 3: I think I'm so wildly passionate about getting people out
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  Speaker 3: of debt and staying out of debt because I've been there,
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  Speaker 3: I think my hack to staying out of debt was
• 6:33
  Speaker 3: being in debt, and that's a terrible hack and that
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  Speaker 3: makes no sense. But I was talking to one of
• 6:38
  Speaker 3: my friends about it the other day and they was saying, Victoria,
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  Speaker 3: like they're in a bit of credit card debt at
• 6:42
  Speaker 3: the moment, they're like, you told me, Like you told
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  Speaker 3: me not to do this, Like I've listened to your podcast,
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  Speaker 3: but like I just had to walk the walk and
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  Speaker 3: realize how terrible that was, so that I'm never going
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  Speaker 3: to go back there again.
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  Speaker 2: Yeah. So, like my hack was getting a ridiculous amount
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  Speaker 2: of debt so that you stress yourself and can't eat,
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  Speaker 2: can't sleep, can't talk, can't breathe, and then all of
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  Speaker 2: a sudden, you'll take money seriously, learn the hard way.
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  Speaker 2: And I had to learn the hard way because I
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  Speaker 2: just I can't be trusted.
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  Speaker 3: Someone tells me, Victoria, this is how it works, and
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  Speaker 3: I go, whatever, I'm better than that.
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  Speaker 2: I can I know better than that. I think I
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  Speaker 2: know better. I think I would know. I would not know.
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  Speaker 2: It turns out I want to know what the first
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  Speaker 2: So you have a listen list, I'm checking it twice.
• 7:29
  Speaker 2: You checking it twice, no, maybe not. I'll just read
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  Speaker 2: them out once. Well, what's first on your list? All right,
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  Speaker 2: so we're going to start with our beautiful Facebook group.
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  Speaker 2: And oh my gosh, I love this one. It's from
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  Speaker 2: Kelly Ann and she says, change your Facebook demographic age
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  Speaker 2: to say that you're older and a man so that
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  Speaker 2: you only get ads and products things like walking.
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  Speaker 4: Frames and lazy boy chairs, because then you're not tempted
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  Speaker 4: by like the dish sale or like Kukui or whatever,
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  Speaker 4: because you just be target advertised things that actually make
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  Speaker 4: no sense to you.
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  Speaker 2: That is a great hack. But I would fear that
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  Speaker 2: you'd fall for the walking frame. I would fall for
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  Speaker 2: the I would be like, well, I got a lazy
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  Speaker 2: boy in my house now, and also a walking frame
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  Speaker 2: that I don't need. I reckon it's good.
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  Speaker 3: A very good salesman could convince me to get a
• 8:18
  Speaker 3: lazy boy. Yeah, my nana has a lazy boy couch
• 8:22
  Speaker 3: and two lazy boy like rocking chairs and laity experience.
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  Speaker 2: I don't even need a salesman. You've already sold me. Yeah,
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  Speaker 2: you're welcome. You know this is really kind of unrelated
• 8:34
  Speaker 2: but related somehow. I will get to the point. But
• 8:36
  Speaker 2: that Black Mirror episode where you could choose your own adventure. Oh,
• 8:39
  Speaker 2: that kind of thing. I love Black Mirror, but like
• 8:42
  Speaker 2: Black Bear also, that season just like close to reality
• 8:46
  Speaker 2: for me. Absolutely, But it was like there was one
• 8:47
  Speaker 2: season where you could you had to pick your own
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  Speaker 2: ending and middle of the show, and it's like, I
• 8:52
  Speaker 2: just want to know what I'm missing out on. So
• 8:54
  Speaker 2: I feel like with this hack, I would always be like,
• 8:58
  Speaker 2: there are probably new products popping up that are catered
• 9:00
  Speaker 2: to me, and my algorithm knows. Now just shopping for
• 9:04
  Speaker 2: my dad, I can't see it like, yeah, oh Dad,
• 9:06
  Speaker 2: you'd love this. Saw it on Facebook, ordered it immediately. Yeah,
• 9:10
  Speaker 2: and all of a sudden, you're still spending money if
• 9:12
  Speaker 2: you got one for us? Yeah, do you want to hear? Absolutely? Okay,
• 9:16
  Speaker 2: So I'm curious to try this anyway. So this one
• 9:19
  Speaker 2: comes from Amber. She says, wear an elastic hair tie
• 9:22
  Speaker 2: on your wrist, and every time you consider buying something,
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  Speaker 2: ask yourself if it's a need or a want, and
• 9:27
  Speaker 2: if it's not a need, then snap your elastic band.
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  Speaker 3: She says.
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  Speaker 2: I don't know why, but it worked for me. Now
• 9:33
  Speaker 2: I stop and think before I purchase me. So you're
• 9:35
  Speaker 2: just hurting yourself every time you think of something. Yeah,
• 9:39
  Speaker 2: I guess it's like training. I feel like that's very nineties.
• 9:43
  Speaker 2: Do you remember back in it. I feel like zap
• 9:46
  Speaker 2: or something. Yeah. I feel like it's like a no
• 9:48
  Speaker 2: bark collar, like for a dog when they get a
• 9:51
  Speaker 2: little zing. Yeah. Yeah, yeah, yeah, totally those and those
• 9:55
  Speaker 2: like horrible electric fences, and it's like, oh, you'll know
• 9:58
  Speaker 2: not to go any of that again. It's like I that, actually,
• 10:00
  Speaker 2: well it's you know, obviously not that severe, but it's
• 10:02
  Speaker 2: like that could work. You could create this association with that. Yeah, obviously.
• 10:06
  Speaker 3: I'm on TikTok twenty four to seven, and I saw
• 10:08
  Speaker 3: that there was this farmer on TikTok saying that electric
• 10:11
  Speaker 3: fences are really expensive, so when they first get a
• 10:14
  Speaker 3: new horse, they put them in the paddock that has
• 10:16
  Speaker 3: the real electric fence, and no doubt, they'll run into
• 10:19
  Speaker 3: it once and learn that those fences are dangerous. Then
• 10:22
  Speaker 3: they use fake electric fences for the rest of their farm.
• 10:25
  Speaker 3: The horses are too scared of the.
• 10:26
  Speaker 2: Like white tape that they just stay away from it
• 10:29
  Speaker 2: and it's just a piece of string holding them in. Gosh,
• 10:33
  Speaker 2: it doesn't sit right with me. And I don't know why,
• 10:34
  Speaker 2: but I'm not a farmer, So if you're a farmer,
• 10:36
  Speaker 2: let me know. Guys, I get it. I feel like
• 10:37
  Speaker 2: an electric fence means that, like, you know, you could
• 10:40
  Speaker 2: do big barbed wire ones, but yeah, animal night get
• 10:42
  Speaker 2: like caught in their true bubbles probably, and an electric
• 10:45
  Speaker 2: fence isn't powerful enough to like she just little that. Yeah,
• 10:48
  Speaker 2: it's just like a little don't do that back. Oh okay,
• 10:51
  Speaker 2: that's maybe we need that. Yeah, yeah, yeah that's true.
• 10:54
  Speaker 2: So I like that one. Thank you. Amber create associations
• 10:57
  Speaker 2: and then you don't even have to think about not
• 10:59
  Speaker 2: any money.
• 11:00
  Speaker 3: Yeah, I know why it works, and there's actually some
• 11:03
  Speaker 3: science behind it, right, Okay, so it's not just like
• 11:06
  Speaker 3: us saying on electric fence vibes. Snapping an elastic band
• 11:11
  Speaker 3: it feels so mean, like that's the last thing I
• 11:13
  Speaker 3: want you to do to my wrist. Snapping an elastic
• 11:15
  Speaker 3: band on your wrist is a form of adverse stimulus.
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  Speaker 3: So it actually creates a really tiny momentary disruption that
• 11:23
  Speaker 3: puts you in a lot of discomfort and it becomes
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  Speaker 3: like an automatic behavior loop. So essentially, in this loop,
• 11:29
  Speaker 3: you see, you see something, you want it and then
• 11:31
  Speaker 3: you buy it. But we're breaking that loop.
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  Speaker 2: And the technique is actually rooted in what's called classical conditioning.
• 11:37
  Speaker 3: So do you remember Pavlov's Dog where he rang the
• 11:40
  Speaker 3: bell and then gave the dog a treat. Yes, And
• 11:43
  Speaker 3: then over time he started ringing the bell and not
• 11:45
  Speaker 3: giving the dog a treat, but the dog would drool anyway,
• 11:48
  Speaker 3: because whenever it heard the bell it was like, hey.
• 11:50
  Speaker 2: Let's go getting a treat.
• 11:53
  Speaker 3: We're doing that but in a mean way to ourselves,
• 11:56
  Speaker 3: where neutral stimulus, which is essentially the urge to spend,
• 12:00
  Speaker 3: becomes associated with something that's not very nice. So every
• 12:04
  Speaker 3: time you're like, oh, urge to spend, you're like, oh,
• 12:06
  Speaker 3: that's gonna hurt.
• 12:06
  Speaker 2: Absolutely not. I don't want to do that. So you're
• 12:08
  Speaker 2: creating this negative association which might work for you, like
• 12:13
  Speaker 2: my mere thing. And then over time our brain links
• 12:17
  Speaker 2: literally the urge to shopping with discomfort, so you don't
• 12:21
  Speaker 2: want to do it anymore. Oh my god. I'm just
• 12:24
  Speaker 2: trying to think about what other things I could do
• 12:26
  Speaker 2: that with. Maybe vaping Thank you Amber, Yeah, maybe actually
• 12:30
  Speaker 2: that might work. Yeah, maybe that'll work. Every time I
• 12:32
  Speaker 2: would have I'll just like it's worth fit. I'm just
• 12:35
  Speaker 2: getting keep doing it. I'm gonna smoke to the games,
• 12:38
  Speaker 2: and I'm also gonna just keep doing this, So maybe
• 12:42
  Speaker 2: I'll just have two bad habits one of ye. But
• 12:45
  Speaker 2: it's like really popular behavioral therapists actually use similar techniques
• 12:49
  Speaker 2: to help people break habits like nail biting, like vaping,
• 12:53
  Speaker 2: like smoking, or even like negative self talk. So maybe
• 12:58
  Speaker 2: she's onto something. Yes, all right, My next one is
• 13:02
  Speaker 2: from Laura. She said, every time she feels like shopping,
• 13:06
  Speaker 2: she goes to her phone settings and then she turns
• 13:08
  Speaker 2: her display, like her phone display on grayscale, so she
• 13:12
  Speaker 2: can't see what color she wants to buy. Oh my god,
• 13:15
  Speaker 2: everything low key looks a bit ugly. Some of these
• 13:18
  Speaker 2: people have so much discipline, Like I would no, I
• 13:21
  Speaker 2: would just immediately turn it back to Cala and be
• 13:23
  Speaker 2: like this sucks. But my intention would be that, but
• 13:26
  Speaker 2: then I would not do that. And that's really impressive.
• 13:29
  Speaker 2: So good for you, Laura, that is that's very smart. Okay,
• 13:34
  Speaker 2: do you want to hear my one from Laura Different?
• 13:36
  Speaker 2: Laura Different, Laura good. Laura says, I curbed my shopping
• 13:40
  Speaker 2: addiction by going to a physical store and loading myself
• 13:42
  Speaker 2: up no trolleys, no baskets with anything and everything I wanted,
• 13:46
  Speaker 2: and then I'd walk around the entire store holding it
• 13:49
  Speaker 2: until the dopmein rush wore off, and then I'd dump
• 13:52
  Speaker 2: it all and leave. A craving generally lasts between five
• 13:55
  Speaker 2: to twenty minutes, so it wouldn't take long to get
• 13:57
  Speaker 2: sick of holding everything. Oh my god, I just can't
• 14:00
  Speaker 2: imagine doing that. I do. Actually, it would work. I
• 14:03
  Speaker 2: think would work because sometimes like I'll be in the
• 14:05
  Speaker 2: shop and I'm in such a good mood, and then
• 14:07
  Speaker 2: I'll pick up something and I'll be like, my girlfriend
• 14:09
  Speaker 2: would love this or my best friend with love this,
• 14:10
  Speaker 2: and I'll pick it up and walk around, and then
• 14:12
  Speaker 2: I'm in there for so long that by the end
• 14:14
  Speaker 2: I'm like, what is this for? Again? Brook am I
• 14:16
  Speaker 2: doing with these things? And then I just put them back.
• 14:18
  Speaker 2: I'm like, that's good, so silly, I'm not going to
• 14:21
  Speaker 2: buy these, that's good.
• 14:22
  Speaker 3: I'm just imagining me at the supermarket carrying around all
• 14:25
  Speaker 3: this stuff that I want, and then you know, the
• 14:28
  Speaker 3: longer I am in the supermarket, the hungry or I'm
• 14:30
  Speaker 3: getting some more I want it.
• 14:32
  Speaker 2: Oh my god. True. Well, maybe it's like more like
• 14:34
  Speaker 2: your sugary treats. I think I need to do that
• 14:36
  Speaker 2: for sugary treats. I can't start myself, so that is
• 14:39
  Speaker 2: not mad.
• 14:40
  Speaker 3: But I have a whole stash of sugary treats in
• 14:42
  Speaker 3: the car door of my car at the moment, and
• 14:44
  Speaker 3: I need someone to remove them because I'm basically just
• 14:47
  Speaker 3: eating peatrings every time I'm in the car eating what peatrings?
• 14:51
  Speaker 2: Like those jelly rings that taste like peaches and cream? Like, oh,
• 14:55
  Speaker 2: they're so good. Back, maybe I need a little elastic
• 14:59
  Speaker 2: band on my Just stop me. I put a featuring
• 15:02
  Speaker 2: around your rest. Yeah, then I eat it.
• 15:05
  Speaker 3: You've got another one, beck, And I wanted to share
• 15:07
  Speaker 3: this one because it actually made me really proud. Sarah said,
• 15:10
  Speaker 3: I cured my dopamine spending addiction by becoming addicted to
• 15:14
  Speaker 3: investing instead.
• 15:16
  Speaker 2: Yes, how good is that?
• 15:18
  Speaker 3: Microinvesting and fractional shares are a really great way to start?
• 15:21
  Speaker 3: So buying twenty dollars of shares here and there is
• 15:24
  Speaker 3: just apparently as good as going and buying crap that
• 15:28
  Speaker 3: she didn't need in the beginning. She would spend like
• 15:30
  Speaker 3: ten bucks a day and get the fixed and give
• 15:32
  Speaker 3: myself some time to learn all about it.
• 15:34
  Speaker 2: It's crazy how fast it adds up. And then the
• 15:37
  Speaker 2: money on top of it makes you not want to stop.
• 15:40
  Speaker 2: So she said, when I feel like getting uber eats,
• 15:42
  Speaker 2: which last twenty minutes and is arguably usually relatively disappointing,
• 15:46
  Speaker 2: I ask myself, would I be better off investing that money?
• 15:50
  Speaker 4: Yes?
• 15:50
  Speaker 2: Then she sends twenty or thirty bucks over buys shares,
• 15:53
  Speaker 2: makes toast at home. And if you're bored and looking
• 15:56
  Speaker 2: up something to buy it online, you may as well
• 15:58
  Speaker 2: be looking up shares. Oh my god, yeah, yeah, yeah,
• 16:01
  Speaker 2: And that's really just like gurgling stuff to buy. That's
• 16:05
  Speaker 2: so good. I think I might try that. That's so
• 16:07
  Speaker 2: true about the you breed seeing it's like you usually disappointing,
• 16:10
  Speaker 2: isn't it it is? And then you like honestly vegimion toast.
• 16:14
  Speaker 3: Is it's so good exactly, especially if you I don't
• 16:18
  Speaker 3: know how quick you do this, but like if you're
• 16:20
  Speaker 3: making toast, you have to stay in the kitchen. You
• 16:23
  Speaker 3: can't like walk off and then hear the toast pop
• 16:26
  Speaker 3: and then let it cool. Like the butter has to
• 16:27
  Speaker 3: go onto the toast immediately, because if the butter is
• 16:30
  Speaker 3: going onto the toast, and it's not melting as you're
• 16:32
  Speaker 3: putting it on. You're doing something wrong, I reckon. And
• 16:35
  Speaker 3: it has to be wonder why, yes, to be wonder
• 16:37
  Speaker 3: white or like that baker's bread.
• 16:40
  Speaker 4: You know.
• 16:40
  Speaker 2: Yeah, but none of this thick cut sour dough that
• 16:44
  Speaker 2: I need a steak, nor so painful sorry sour hurts.
• 16:48
  Speaker 2: Do you guys not have the roofs of your mouths
• 16:51
  Speaker 2: ripped up? You have no cheeks? You just like the pain.
• 16:55
  Speaker 2: It's sharp, it's pain. That is so genius. Anyway, she
• 17:00
  Speaker 2: says it's the best addiction she's ever had. Oh my god,
• 17:03
  Speaker 2: that's genius. It's a great addiction to have too, because
• 17:05
  Speaker 2: it's like you will You're making yourself rich pies of money.
• 17:08
  Speaker 2: That's so c Okay, I'm going to try that. Thank
• 17:10
  Speaker 2: you so much. This is so nice. I really like
• 17:13
  Speaker 2: this episode. I'm taking so many things away and I'm
• 17:15
  Speaker 2: hoping that I remember them by the end of week.
• 17:17
  Speaker 2: Do you know what, I've written these down all on
• 17:19
  Speaker 2: a piece of paper. You can take her home with it.
• 17:20
  Speaker 1: You are well.
• 17:22
  Speaker 2: I guess I could just listen to the epide so
• 17:23
  Speaker 2: did you know?
• 17:24
  Speaker 3: And I don't know if many people know this, but
• 17:26
  Speaker 3: if you are listening on Spotify, there is actually now
• 17:29
  Speaker 3: an automatic transcript, so if you go to the bottom
• 17:32
  Speaker 3: of the episode, you can actually see the text. And
• 17:35
  Speaker 3: for some people in our community, they've said it's actually
• 17:39
  Speaker 3: so helpful because they read along when we're talking about
• 17:42
  Speaker 3: more complex topics. So like, probably not today, but when
• 17:45
  Speaker 3: we're talking about, you know, compound interest or something that
• 17:48
  Speaker 3: maybe you're not fully comprehending yet, you can like read
• 17:51
  Speaker 3: along at the same time as we're talking to you,
• 17:53
  Speaker 3: and you might end up in a better learning position.
• 17:57
  Speaker 2: Oh my god, it's a great idea. Yeah. Also, thanks
• 17:59
  Speaker 2: Spotify for putting free transcripts on there, because that's really good.
• 18:02
  Speaker 2: That slaves, that's true, and I just want you guys
• 18:05
  Speaker 2: to know that sometimes the transcripts are not accurate, so
• 18:07
  Speaker 2: please if you if you she would stand far, is
• 18:11
  Speaker 2: that what you mean? I would never swear, would use
• 18:15
  Speaker 2: language something seems out of character. Just trust that it
• 18:18
  Speaker 2: actually is. It just it was far. I would never
• 18:24
  Speaker 2: insult Victoria. Yeah. No. So my next one comes from Jess,
• 18:28
  Speaker 2: who says, I've removed all Apple pay Slash cards from
• 18:31
  Speaker 2: my phone, so I have to put in my physical
• 18:34
  Speaker 2: card I've just memorized the numbers. Unlucky. The problem I
• 18:38
  Speaker 2: have too, that I have too well. She says that
• 18:41
  Speaker 2: she she shops and adds to card as normal, and
• 18:43
  Speaker 2: then when it comes to pay time, just to go
• 18:45
  Speaker 2: get a physical card. I'm not getting one, do that.
• 18:47
  Speaker 2: I fully understand that.
• 18:48
  Speaker 3: In fact, I got a new debit card recently because
• 18:50
  Speaker 3: mine expired and the numbers are different.
• 18:53
  Speaker 2: This is me from spending. Yeah, seriously, but this is
• 18:56
  Speaker 2: this is really spark. What she does is she leaves
• 18:59
  Speaker 2: the card in her locked car in the garage, which
• 19:02
  Speaker 2: is so much effort going down there. It's cold. Yeah,
• 19:06
  Speaker 2: And then she says, I usually get annoyed and this
• 19:09
  Speaker 2: distracts me enough to leave everything in my card. This
• 19:11
  Speaker 2: didn't work when I had my old card because I
• 19:13
  Speaker 2: knew my numbers off my heart, exactly as we're saying.
• 19:16
  Speaker 2: So she got a new card. She ordered a new
• 19:17
  Speaker 2: card with new numbers. Okay, so she's smart. So I
• 19:21
  Speaker 2: did that by accident, and it's working for me. But
• 19:23
  Speaker 2: do you know what I found the other day? I
• 19:25
  Speaker 2: went to buy something on a website at like eleven PM.
• 19:29
  Speaker 2: Should I be.
• 19:29
  Speaker 3: Shopping at that time? Absolutely not? No, absolutely not and
• 19:34
  Speaker 3: then it didn't have Apple Pay and I was like, oh,
• 19:36
  Speaker 3: I can't be bothered buying it. Then, Victoria Desne, you
• 19:39
  Speaker 3: did not need that? Then why will you even? How
• 19:41
  Speaker 3: did you get to check out?
• 19:43
  Speaker 1: Yeah?
• 19:43
  Speaker 2: That's so true. You are not doing what you said
• 19:45
  Speaker 2: you were going to do. I think it's a good
• 19:47
  Speaker 2: thing to think, because when we're like on autopilot, I'm like, oh,
• 19:49
  Speaker 2: this looks good, and then we just like, you know,
• 19:51
  Speaker 2: it's good to think.
• 19:52
  Speaker 3: And I'm so easily influenced, Like I wish I wasn't.
• 19:55
  Speaker 3: But if I see a girl in a cute top,
• 19:58
  Speaker 3: I'm like, I could wear that at work. Yeah, Victoria,
• 20:01
  Speaker 3: you have a top already.
• 20:02
  Speaker 2: You don't need many top Exactly how many small, minor
• 20:06
  Speaker 2: inconveniences would you get through to still buy this? And
• 20:10
  Speaker 2: if your answer is like maybe no, zero, you don't
• 20:14
  Speaker 2: need it. You don't need it. Yeah, But if it's
• 20:16
  Speaker 2: something I have to pay for, I'm like, Oh, that's
• 20:19
  Speaker 2: so annoying or right, I'll go get my card because
• 20:21
  Speaker 2: you have to it's a bill or whatever. Totally oh,
• 20:24
  Speaker 2: how annoying, but also so relatable.
• 20:26
  Speaker 3: Absolutely another thing I saw people saying when I was
• 20:29
  Speaker 3: researching this episode Beck is to use an incognito tab
• 20:32
  Speaker 3: or on your computer when you are shopping online, so
• 20:36
  Speaker 3: you can't save your logins, there's no auto, feel like
• 20:39
  Speaker 3: your details are not just there and filling in or
• 20:42
  Speaker 3: it means you won't stay signed into any of the
• 20:44
  Speaker 3: shopping platforms.
• 20:46
  Speaker 2: So like nothing is easy. So minor inconvenience yeah, makes
• 20:50
  Speaker 2: it even harder, and extra friction is just annoying enough
• 20:55
  Speaker 2: to make you give up and be like I can't
• 20:56
  Speaker 2: be bothered with this, Like I have to type in
• 20:58
  Speaker 2: everything instead of auto. I feel absolutely not. God, No,
• 21:01
  Speaker 2: I'm abandoning exactly. And Chelsea also had a really good reminder.
• 21:04
  Speaker 2: She said she signed up for the She's on the
• 21:06
  Speaker 2: Money thirty day reframe, which is a free thing we're
• 21:09
  Speaker 2: doing at the moment beck on our website, and she
• 21:12
  Speaker 2: loved the list of distraction techniques we put together and
• 21:15
  Speaker 2: said that there are some good ones there that act
• 21:18
  Speaker 2: for her as a circuit breaker. We recently, actually the
• 21:21
  Speaker 2: team and I got together and we were like, we
• 21:23
  Speaker 2: need like a no spend challenge, and then we're like, oh,
• 21:25
  Speaker 2: let's not do a no spend challenge, Let's do like
• 21:27
  Speaker 2: a reframe challenge because I feel like that carries better
• 21:30
  Speaker 2: into like changing behaviors. But we made the reframe challenge
• 21:34
  Speaker 2: because the whole team was we're all feeling a little
• 21:36
  Speaker 2: bit spend ye Beck, and we thought we could all
• 21:39
  Speaker 2: use a spending reframe. So if you want to sign up,
• 21:42
  Speaker 2: it's literally free. I'm going to put all the details
• 21:44
  Speaker 2: for you in the show notes and when you sign up,
• 21:46
  Speaker 2: you get a really i mean unbiased because we wrote it,
• 21:48
  Speaker 2: but it's a really great list of twenty things that
• 21:51
  Speaker 2: you can do when you get the urge to spend money, yes,
• 21:53
  Speaker 2: don't really want to, so that you.
• 21:55
  Speaker 3: Can distract yourself. And I feel like that was a
• 21:56
  Speaker 3: really good, like little challenge that we put together.
• 22:00
  Speaker 2: Community or I don't know if this is the thing too,
• 22:01
  Speaker 2: but if you go into incognito, then your phone, your
• 22:05
  Speaker 2: Instagram may not an appen, Yeah, and that would be
• 22:09
  Speaker 2: helpful because if you're like I really want a pair
• 22:13
  Speaker 2: of new pants and then all of a sudden, Instagram's
• 22:16
  Speaker 2: feeding you all these new pants because you.
• 22:18
  Speaker 3: Tied parents like I'm not even on Instagram, babe, I'm
• 22:22
  Speaker 3: on asos.
• 22:23
  Speaker 2: You know, absolutely. So that's the thing is that like
• 22:25
  Speaker 2: those extra little ads that you wouldn't get if you're
• 22:27
  Speaker 2: on incognito mode. Well, hopefully also curb spending in a
• 22:31
  Speaker 2: roundabout way.
• 22:32
  Speaker 3: I love it all right, Well, it's time for a break,
• 22:34
  Speaker 3: and when we get back, we're getting into.
• 22:35
  Speaker 2: The truly chaotic hacks that I have found on TikTok.
• 22:38
  Speaker 2: I would say they're they're Beck, just fair warning. They're
• 22:41
  Speaker 2: equal parts genius and also slightly concerning. So guys, don't
• 22:45
  Speaker 2: go anywhere and don't take any of this as official
• 22:48
  Speaker 2: financial advice. Welcome back everyone. Okay, we're hitting the part
• 22:56
  Speaker 2: that I'm most excited about. I want crazy, I want unhinge.
• 22:59
  Speaker 2: I want like, yeah, I don't want to freeze your
• 23:01
  Speaker 2: credit card. We've all heard that, you know, yes, But
• 23:05
  Speaker 2: also not to say that the other ones that we
• 23:06
  Speaker 2: read out weren't genius. I do apologize, but we are.
• 23:09
  Speaker 2: I want some unhinted crazy things exactly. And these hacks
• 23:14
  Speaker 2: they've come straight from TikTok, and honestly, Beck, I don't
• 23:17
  Speaker 2: hate them like I don't hate them.
• 23:20
  Speaker 3: I feel like a lot of us are going to
• 23:21
  Speaker 3: go MOhm interesting. I would never And then the background,
• 23:24
  Speaker 3: we're all just doing it. The first person said, I
• 23:27
  Speaker 3: treat my life like a cozy game. Sim I add
• 23:30
  Speaker 3: non essential items that I want to a prize list,
• 23:33
  Speaker 3: and then every time she does a chore, she earns
• 23:35
  Speaker 3: a point, and then she can exchange points to unlock
• 23:38
  Speaker 3: whatever prize she wants.
• 23:40
  Speaker 2: Oh my god, dammified her life. And I kind of
• 23:45
  Speaker 2: love that.
• 23:45
  Speaker 3: And for those of you who are playing along, a
• 23:47
  Speaker 3: cozy game is like a video game genre that I
• 23:50
  Speaker 3: would say is characterized by her focus on relaxation and
• 23:54
  Speaker 3: like non violence and slow and being casual. And some
• 23:59
  Speaker 3: cozy gamsing like caring for plants or characters or animals.
• 24:02
  Speaker 3: I don't know, you might have heard of, like animal crossing.
• 24:05
  Speaker 3: Oh yeah, yeah, yeah exactly.
• 24:08
  Speaker 4: I like that.
• 24:09
  Speaker 2: She's literally gammified her life. She's like, I'm a maker
• 24:12
  Speaker 2: prize list, and I earn points for doing my chores,
• 24:14
  Speaker 2: and when I get enough points, I can cash it
• 24:17
  Speaker 2: in at the ticket booth. Oh my god, that is genus.
• 24:21
  Speaker 3: I actually think that's really fun. I feel like it
• 24:23
  Speaker 3: might work for you. Yeah, you love a game, you
• 24:25
  Speaker 3: love a point, you are feeling like you're winning.
• 24:27
  Speaker 2: Absolutely, Oh my god, I'm going to start doing that
• 24:30
  Speaker 2: literally from this second onward.
• 24:32
  Speaker 4: I love it.
• 24:32
  Speaker 2: And right now you are an NPC. I don't want
• 24:36
  Speaker 2: to be an MPC. You're not. You're the main character.
• 24:39
  Speaker 3: Every morning. Side note, my husband and I go for
• 24:42
  Speaker 3: a walk, so we like take Carvey. We go to
• 24:44
  Speaker 3: our local cafe, and there is like three people that
• 24:47
  Speaker 3: we consistently see. We don't like talk to them or
• 24:49
  Speaker 3: anything because they're like on the other side of the road,
• 24:51
  Speaker 3: but they're always doing Like there's always this one woman
• 24:54
  Speaker 3: always in her front garden at about the same time
• 24:57
  Speaker 3: of day every morning, doing like weeding and stuff. Steve
• 25:00
  Speaker 3: will always look and be like, NPC is NPC today?
• 25:03
  Speaker 2: Yeah, NPC. For those of you playing.
• 25:06
  Speaker 3: Along at home who are like, what is Beck and
• 25:08
  Speaker 3: Victoria talking about? NPC is a non playable character. And
• 25:11
  Speaker 3: it's like when you're in a video game and you
• 25:13
  Speaker 3: see those characters that are just like set up to
• 25:15
  Speaker 3: do their thing but aren't actually a character that people
• 25:18
  Speaker 3: play anyway. So that happens to me like three times
• 25:21
  Speaker 3: every single morning, and there, I swear, just walks around
• 25:25
  Speaker 3: the block.
• 25:26
  Speaker 2: Yeah, consistently NPC. Yes, and you're convinced we are in
• 25:30
  Speaker 2: a simulation, Beck, Yeah, I agree. Your life is just
• 25:33
  Speaker 2: a game. Oh my god, that's so fun. I really
• 25:36
  Speaker 2: love that one. Okay, do you want to hear I'm ready,
• 25:39
  Speaker 2: I'm ready. This next one's pretty brutal, pretty brutal. So
• 25:42
  Speaker 2: coming from Beck, you know it's brutal. Exactly. This person says,
• 25:46
  Speaker 2: I made myself run for the amount of minutes I
• 25:48
  Speaker 2: spend in dollars. I'm never spending money again. No, yeah,
• 25:52
  Speaker 2: saying that is genius. So five dollar coffee, five minute run,
• 25:57
  Speaker 2: maybe fifty dollar dress, one hundred and fifty minute run. No,
• 26:00
  Speaker 2: absolutely not. Hinge, what are we doing marathons? Yeah? Actually
• 26:05
  Speaker 2: that would no, no, no, that's not a marathon. Half marathon,
• 26:08
  Speaker 2: one hundred and fifty minutes. I wish, Well, it depends
• 26:11
  Speaker 2: how faster, and I'm quite slow runner, that would be
• 26:13
  Speaker 2: like that would be like five kilometers for me. But
• 26:16
  Speaker 2: I think that is so smart. And then because if
• 26:20
  Speaker 2: you do, if you're like I literally have to spend
• 26:22
  Speaker 2: thirty dollars right now, it's like, well, there's you're not
• 26:24
  Speaker 2: going for a half an hour run. Absolutely not.
• 26:27
  Speaker 3: I used to run, Just to be clear, I used
• 26:30
  Speaker 3: to be a runner, and it was part of my personality. Beck, Like,
• 26:33
  Speaker 3: I fully ran marathons, Like I have two full medals
• 26:38
  Speaker 3: from running the Melbourne Marathon years run.
• 26:40
  Speaker 2: It's actually really incredible.
• 26:41
  Speaker 3: Yeah, but I did it because I wanted people to
• 26:43
  Speaker 3: think I was cool, not because I even enjoyed running.
• 26:45
  Speaker 2: And then like my whole body hurt, Like yeah, it's
• 26:49
  Speaker 2: not fun. No, and you know there are other ways
• 26:52
  Speaker 2: to sure two And Lulu, that's really cookie showing me
• 26:57
  Speaker 2: these photos. Yeah, absolutely running, Victoria, Absolutely, I can I
• 27:01
  Speaker 2: look like a watermelon? Like I am so red.
• 27:05
  Speaker 3: You know those people that like run and they look
• 27:07
  Speaker 3: beautiful running, not me, like I fully go to a
• 27:10
  Speaker 3: color that you go, are you all right?
• 27:12
  Speaker 2: Right? Fine? She needs to stop right now. Yeah, she's
• 27:15
  Speaker 2: she's going to die, all right. So Beck, I've got
• 27:18
  Speaker 2: another one, and this one I think sounds like a
• 27:21
  Speaker 2: little bit of fun, she says. My sister and I
• 27:24
  Speaker 2: are each other's accountants.
• 27:26
  Speaker 3: If we want to buy something, we have to make
• 27:28
  Speaker 3: an application in person for the item. It can be
• 27:31
  Speaker 3: approved or it can be denied based on the information given.
• 27:35
  Speaker 2: Oh my god, that is so much. And it's like, oh, Beck,
• 27:38
  Speaker 2: can you come over to my house tonight. I've got
• 27:39
  Speaker 2: to pitch you. Yes, yeah, oh my good. Can you
• 27:42
  Speaker 2: make an appointment and come over it? We should try
• 27:44
  Speaker 2: it next time you want to buy something for me,
• 27:46
  Speaker 2: and we'll discuss it.
• 27:47
  Speaker 3: Next time I want to buy something, I'm going to
• 27:49
  Speaker 3: be standing in calls and it'll be like, hey, Beck,
• 27:51
  Speaker 3: so pet tring's two for five again.
• 27:54
  Speaker 2: Should I do it? I'd be like five minute run, Victoria.
• 27:57
  Speaker 2: Absolutely not. I'm sorry. I was just asking for your
• 27:59
  Speaker 2: permission not to be sent on a run. I'm gonna
• 28:01
  Speaker 2: hang up on you and still buy the petreots. I'm
• 28:03
  Speaker 2: going to make a big mix of all of these
• 28:06
  Speaker 2: th so it's going to be a one minute per
• 28:08
  Speaker 2: one dollar. Yeah, but like also an application yourself with
• 28:12
  Speaker 2: your last year and also the unlocking the rewards. It's
• 28:17
  Speaker 2: gonna be big mix of it, and your phone is
• 28:18
  Speaker 2: going to be consistently in gray scale. Yeah, exactly, absolutely
• 28:22
  Speaker 2: not exactly. Oh yeah, I really like that. I really
• 28:25
  Speaker 2: like that, I think and yeah, you have to like
• 28:27
  Speaker 2: call and make appointments. What are you doing at four o'clock?
• 28:30
  Speaker 2: Four o'clock's good? You have to come with a whole thing, right,
• 28:33
  Speaker 2: I'm gonna have to pitch you. I'm gonna have to
• 28:35
  Speaker 2: make a PowerPoint presentation. Yeah, I will your name, day
• 28:37
  Speaker 2: of birth, all the things that you need. You're welcome,
• 28:39
  Speaker 2: and then you can go to the bank and then
• 28:40
  Speaker 2: apply for a loan in my name. Exactly. Yes, I
• 28:43
  Speaker 2: will need your drives last year. Yeah, yeah, no worries. Okay,
• 28:46
  Speaker 2: So this one feels pretty smart. This TikToker says every
• 28:49
  Speaker 2: so often they replace their bank cards and it cancels
• 28:53
  Speaker 2: all subscriptions, and then you have to actively resubscribe to
• 28:56
  Speaker 2: the ones.
• 28:57
  Speaker 3: I feel like that's a genius, because you do you
• 29:00
  Speaker 3: want to unsubscribe from Netflix, you'd be like, oh, no,
• 29:04
  Speaker 3: I've been watching this show on there. No, But like
• 29:06
  Speaker 3: if the subscription just lapsed and you get a pop
• 29:09
  Speaker 3: up that says, oh re enter your credit card details,
• 29:12
  Speaker 3: you just exy, You're like, nah, no, I don't even
• 29:15
  Speaker 3: want to watch it anyway, Yeah exactly. You need you
• 29:18
  Speaker 3: just like take it off yourself to begin with, not
• 29:21
  Speaker 3: have to actively go and unsubscribe.
• 29:23
  Speaker 2: Yeah that's pretty good. I do like that one. And
• 29:25
  Speaker 2: then as well, you have to like physically get your
• 29:27
  Speaker 2: card and a different numbers again because you just got
• 29:31
  Speaker 2: a new card and you can't remember them off the
• 29:33
  Speaker 2: top of your head. Torture a kind of low key genius.
• 29:36
  Speaker 2: I've got another one, and I kind of love this
• 29:39
  Speaker 2: she says, if I buy something on sale, I have
• 29:41
  Speaker 2: a rule that I have to transfer the rest of
• 29:43
  Speaker 2: the price into savings. And this got me out of
• 29:46
  Speaker 2: the mindset that I was saving money. When a sale
• 29:49
  Speaker 2: is on that's so good, I actually think that's so good.
• 29:53
  Speaker 2: So something is on sale for fifty dollars and it
• 29:55
  Speaker 2: was originally one hundred, Like, you can buy it for
• 29:57
  Speaker 2: fifty dollars if you think it's a good deal, but
• 29:59
  Speaker 2: you have to put fe a few bucks into savings. Yes,
• 30:01
  Speaker 2: and you're kind of like, ah, I don't have the
• 30:03
  Speaker 2: cash for that, call you can't afford it? Yeah, yeah, yeah,
• 30:06
  Speaker 2: do you want to go to the city. That's pretty
• 30:08
  Speaker 2: I really like you're making it like an adult, even
• 30:12
  Speaker 2: like I reckon even like tiny things. If you're like, oh, wow,
• 30:15
  Speaker 2: the milk is two for one today, then you could
• 30:17
  Speaker 2: definitely do that with like your grocery budget. Yeah, you
• 30:20
  Speaker 2: really don't budget for things that are on sale.
• 30:22
  Speaker 3: Go, okay, groceries this week can gonna be two hundred bucks.
• 30:25
  Speaker 3: And then if you spend one hundred and eighty bucks
• 30:27
  Speaker 3: or something, which honestly, let's be honest, saving twenty bucks
• 30:29
  Speaker 3: in your groceries each week unheard of, but like, let's
• 30:31
  Speaker 3: pretend you have to transfer that twenty dollars to savings
• 30:35
  Speaker 3: or get this, I'm trying to take it to the
• 30:37
  Speaker 3: next level. You transfer it to another fund, savings for Christmas.
• 30:41
  Speaker 3: Oh my god, because Christmas is coming.
• 30:43
  Speaker 2: I'm so sorry. Fuck, Christmas is not far. It's really
• 30:47
  Speaker 2: not far. I keep putting money in my Christmas fund
• 30:49
  Speaker 2: every month and taking immediately back out. So I was
• 30:51
  Speaker 2: about to say good girl, and then I was like, oh,
• 30:55
  Speaker 2: so that has never worked for me. I'm not a saver,
• 30:57
  Speaker 2: but I will change my habits one day. With this episode,
• 31:00
  Speaker 2: I think we could be honest something. I love it.
• 31:03
  Speaker 2: So another one is my ruler is that I can
• 31:06
  Speaker 2: only buy things on Sunday. I can add stuff to
• 31:08
  Speaker 2: cart all week, but on Sunday I see it all
• 31:10
  Speaker 2: as one big total. So it turns me off buying
• 31:13
  Speaker 2: it because I realize for me, I can't would work
• 31:15
  Speaker 2: for me that would work. And also you're giving yourself
• 31:18
  Speaker 2: time to think about if you really need something or
• 31:20
  Speaker 2: if it's impulsive and yeah, and then I think, yeah,
• 31:24
  Speaker 2: when you see some reason they go to the shops,
• 31:26
  Speaker 2: it like adds up quicker than you think it does.
• 31:29
  Speaker 2: And like I know that that's basic maths, but like
• 31:32
  Speaker 2: in my head it's not. And I've been doing this
• 31:34
  Speaker 2: a lot recently, not this actual concept, but I've been
• 31:37
  Speaker 2: adding a lot of things too. I have those like
• 31:39
  Speaker 2: I save things in instacram a lot. So back to
• 31:42
  Speaker 2: the top thing, it's because I'm wearing a new top deck.
• 31:45
  Speaker 2: Thanks for noticing, thank you. But I literally have just
• 31:50
  Speaker 2: been saving outfits because coming into winter, I feel like
• 31:52
  Speaker 2: it sparks something in your brain where you're like, oh,
• 31:55
  Speaker 2: coming into winter, I haven't worn jumpers in it ages,
• 31:58
  Speaker 2: maybe I need some new jumpers, saving lots of them.
• 32:01
  Speaker 2: And then I went onto this website the other day
• 32:03
  Speaker 2: to be like, oh, you know what, I'm going to
• 32:05
  Speaker 2: splurge you a little bit. I'm going to add these
• 32:07
  Speaker 2: three jumpers that I want to my cart. Sorry, what
• 32:10
  Speaker 2: do you mean that's seven hundred dollars?
• 32:12
  Speaker 1: Yeah, I know.
• 32:13
  Speaker 2: No, Actually, like in my.
• 32:14
  Speaker 3: Head I'm like, oh, I do want to buy a
• 32:17
  Speaker 3: good quality jumper, so like I'll save that one.
• 32:19
  Speaker 2: Oh, okay, I'll add them. No, we're not buying any
• 32:21
  Speaker 2: of them. So I just exited because I was like
• 32:23
  Speaker 2: seven hundred dollars in one time. No, no, and I
• 32:26
  Speaker 2: feel like the same thing happens when if I go
• 32:28
  Speaker 2: to the shops and I'm like, I've got to go
• 32:30
  Speaker 2: to Call's. They don't have everything I need. I'll go
• 32:32
  Speaker 2: to wars Aldi wherever. But if I'm spending like one
• 32:35
  Speaker 2: hundred dollars, it's this is for a big shop. By
• 32:37
  Speaker 2: the way, I do not have this kind of money,
• 32:39
  Speaker 2: but one hundred dollars in each store. But sometimes you
• 32:43
  Speaker 2: got it back. I'm not yeah, sometimes you got to,
• 32:45
  Speaker 2: but I'm not seeing it as three hundred dollars. I'm
• 32:46
  Speaker 2: saying like, oh okay, this one was fifty bucks. Oh okay,
• 32:48
  Speaker 2: this one was eighty dollars long. Just when you do
• 32:50
  Speaker 2: it all together, it's like, WHOA, do load yourself?
• 32:53
  Speaker 4: Don't?
• 32:53
  Speaker 1: Yeah.
• 32:54
  Speaker 2: I kind of like this idea of just being like,
• 32:57
  Speaker 2: all right, so on Sundays, I can buy anything. Just
• 33:00
  Speaker 2: can't shop during the week. But then it makes you
• 33:02
  Speaker 2: really reflect, yeah, and you're like, what do I really need?
• 33:04
  Speaker 2: All lose genius?
• 33:06
  Speaker 1: I like that.
• 33:06
  Speaker 3: Another person, beck, I washed this tear took and she said,
• 33:10
  Speaker 3: I play a game called if it's under I buy it,
• 33:14
  Speaker 3: So basically, before she checks the price tag, she guesses
• 33:18
  Speaker 3: what she thinks it could cost and then sets her
• 33:20
  Speaker 3: in spending limits. So she looks at the top and goes,
• 33:23
  Speaker 3: I'd spend fifty bucks on that, And then if the
• 33:26
  Speaker 3: actual price is higher than what she had decided she's
• 33:28
  Speaker 3: willing to pay, can't have it, automatic, no, But if
• 33:31
  Speaker 3: it is lower, she lets.
• 33:32
  Speaker 2: Herself have it.
• 33:33
  Speaker 3: And she says it turns impulse shopping into a little
• 33:36
  Speaker 3: bit of a like budget challenge, and she finds it
• 33:38
  Speaker 3: really addicting because it's like a game. So, yeah, guess
• 33:41
  Speaker 3: what that jumper is worth?
• 33:43
  Speaker 4: Yeah?
• 33:43
  Speaker 2: Yeah, yeah, it was one hundred dollars and then it's
• 33:45
  Speaker 2: one hundred and fifty and you're like absolutely not, can't
• 33:48
  Speaker 2: have it, sorry, by oh my god. And then you've
• 33:50
  Speaker 2: kind of got your head already how much you think
• 33:52
  Speaker 2: it's worth because how many times.
• 33:54
  Speaker 3: You like flipped the price tag and you've been like, oh,
• 33:56
  Speaker 3: one hundred and eighty bucks far out, that's more.
• 33:59
  Speaker 2: That's not what I better than. You're like, oh, maybe
• 34:01
  Speaker 2: it's good quality, maybe it's the breath, you justify it totally.
• 34:04
  Speaker 2: But if you think about it first, like I think
• 34:06
  Speaker 2: this is worth this much, then that's kind of like
• 34:08
  Speaker 2: set in your head. That's exactly genius. I like that.
• 34:11
  Speaker 3: I like that these aren't as unhinged as I thought
• 34:13
  Speaker 3: that they would be. True, how reckon We can implement
• 34:15
  Speaker 3: some of these back, I think. So I'm really absolutely
• 34:18
  Speaker 3: going to do the game one that's for show.
• 34:20
  Speaker 2: Okay. So another person said, I remind myself that buying
• 34:24
  Speaker 2: things is giving money to rich people, and I need
• 34:26
  Speaker 2: the money more than them. Also, research what companies you
• 34:29
  Speaker 2: are supporting and what they are doing to the world.
• 34:31
  Speaker 2: It stops you from spending money really quick, which is
• 34:35
  Speaker 2: also pretty genius. We don't want to make the rich
• 34:37
  Speaker 2: people richer, No, we don't. We want to make us richer. Literally. Yeah,
• 34:42
  Speaker 2: one day we're going to be the rich people. Oh
• 34:44
  Speaker 2: yeah yeah, and then you can stop spending on our things. Yeah,
• 34:48
  Speaker 2: I completely agree. All right, are you ready? I'm ready.
• 34:51
  Speaker 2: So this one I thought was like slightly unhinged. She said,
• 34:56
  Speaker 2: I taped a picture of my mum to my card
• 34:58
  Speaker 2: to remind me of when I had to move in
• 35:01
  Speaker 2: with her and how bad it was. Oh my god,
• 35:04
  Speaker 2: fair enough, that's so funny. So she's like, ah, no
• 35:08
  Speaker 2: spending because I'll have to move back in with that woman.
• 35:10
  Speaker 2: Absolutely not. And I guess, like defends a side it's on.
• 35:14
  Speaker 2: But if you're tapping your card and you're looking your
• 35:15
  Speaker 2: mother directly in the eye while you do it, it's like,
• 35:18
  Speaker 2: that's really geep.
• 35:19
  Speaker 3: You can take a selfie that makes my face look
• 35:21
  Speaker 3: really judgy and then you guys can fling it out
• 35:24
  Speaker 3: and put it in your wallet.
• 35:25
  Speaker 2: And it's like, what would Victoria do? Please? Can you
• 35:27
  Speaker 2: get stickers money?
• 35:28
  Speaker 3: If you know me well enough, iug spend Yeah exactly,
• 35:32
  Speaker 3: So I'm like pretending to help.
• 35:34
  Speaker 2: Victoria would spend this money. It's like a delusional exactly.
• 35:38
  Speaker 2: She's good at money, but like for other people, Yeah,
• 35:41
  Speaker 2: what would you Victoria would be spending this kind of money?
• 35:44
  Speaker 2: Maybe that would not be good. So maybe you think
• 35:47
  Speaker 2: about it. Yeah, oh yeah, that's true. Okay, next one.
• 35:51
  Speaker 2: So this TikToker said, if I want something, I have
• 35:53
  Speaker 2: a rule that I have to come back for it.
• 35:55
  Speaker 2: If it's not worth a second trip, it's not worth buying.
• 35:57
  Speaker 2: That's so true. That's similar to me saying put twenty
• 36:00
  Speaker 2: four hours between you and your spending because if you've
• 36:03
  Speaker 2: seen something and I'm like, I know you really want it,
• 36:04
  Speaker 2: you can have it tomorrow, same time. Tomorrow, same time
• 36:07
  Speaker 2: comes you like, I can't pep bo been going and
• 36:09
  Speaker 2: getting that totally, and I guess like this is a
• 36:11
  Speaker 2: similar thing that I've done. Like if something I see
• 36:13
  Speaker 2: online is like, oh, I really want to buy that,
• 36:15
  Speaker 2: it's it is so easy to just do it from
• 36:17
  Speaker 2: the company. Yeah, but if you like I have to
• 36:19
  Speaker 2: go into the store, I'm going to make myself get
• 36:20
  Speaker 2: into the store to buy this and then all of
• 36:22
  Speaker 2: a sudden you're like, you're not. They don't have the
• 36:24
  Speaker 2: same dopamine rush because it's now a chore. Yeah.
• 36:27
  Speaker 3: Yeah, instead of being an impulse purchase, there's no impulsiveness here.
• 36:31
  Speaker 2: There's a chore. I have to go do my work totally. No,
• 36:34
  Speaker 2: thank you, Beck. I feel like we've been yapping for ages.
• 36:38
  Speaker 2: So to finish off, I've put together a little quick
• 36:41
  Speaker 2: file list of different things that people ask themselves every
• 36:44
  Speaker 2: time they go to shop and they have the urge
• 36:46
  Speaker 2: to shop. Yeah, so first person said, if I found
• 36:49
  Speaker 2: this in the bin, would I clean it and keep
• 36:50
  Speaker 2: it or would I leave it? Oh my god, that's
• 36:52
  Speaker 2: the Pooth thing. It's the Pooth thing. And for those
• 36:55
  Speaker 2: who don't know, if we were talking about these is
• 36:57
  Speaker 2: like Marie Condo, Momi works for some people. If something
• 37:01
  Speaker 2: that you want to buy or something you own. This
• 37:03
  Speaker 2: is for if you're throwing things out, or if you're
• 37:05
  Speaker 2: buying something, if it had woo on it, would you
• 37:08
  Speaker 2: clean it? Clean it? Would you just chuck the whole?
• 37:10
  Speaker 2: Did you chuck it out? And that's a really good
• 37:12
  Speaker 2: way to figure out I'm throwing it out in them.
• 37:17
  Speaker 2: Someone else said, if my boss came up to me
• 37:19
  Speaker 2: after I worked the amount of hours it took to
• 37:21
  Speaker 2: pay for it and offered me the item instead of
• 37:23
  Speaker 2: the pay how would I feel imagine coming up to
• 37:27
  Speaker 2: someone and being like, Hey, so good work today, fantastic work.
• 37:31
  Speaker 2: You've done a heap of overtime. Would you like this
• 37:34
  Speaker 2: single it? It's rash and play you convinced yourself it's
• 37:40
  Speaker 2: a good basic Yeah, that's so true. I'd like get
• 37:43
  Speaker 2: in the bin, give me my money. Someone else said,
• 37:46
  Speaker 2: I love it, but do I insert price love it?
• 37:50
  Speaker 2: I love it, but do I a hundred dollars love it?
• 37:54
  Speaker 2: Probably not, though it's a good question to ask you.
• 37:56
  Speaker 3: If someone offered me the item or the money that
• 37:59
  Speaker 3: it costs, which one am I going to choose? That
• 38:01
  Speaker 3: is very smarteck, or do you want that top.
• 38:04
  Speaker 1: Yeah.
• 38:04
  Speaker 2: True, that's a really good way to do it because
• 38:06
  Speaker 2: and you're like, oh, there's so many other things I
• 38:08
  Speaker 2: could do with this money. And then you're like, wait,
• 38:09
  Speaker 2: they have this money. Do you what that teaches me?
• 38:12
  Speaker 2: I can be bought. Yes, I really very often choose
• 38:17
  Speaker 2: the money that is, yeah, top, but I'd have some
• 38:20
  Speaker 2: cash totally. Oh my god. That's so true because if
• 38:22
  Speaker 2: you have the cash and you're about to spend it
• 38:24
  Speaker 2: and then someone's like, would you rather this or the cash,
• 38:26
  Speaker 2: and you're like, oh the cash things and you're like, wait,
• 38:28
  Speaker 2: it's already here, and I already have the cash and
• 38:30
  Speaker 2: I get to keep it. Oh my god. Yeah, I
• 38:32
  Speaker 2: like that.
• 38:33
  Speaker 1: I like that.
• 38:33
  Speaker 2: I like that all right. And finally someone asked themselves,
• 38:36
  Speaker 2: do I want to be stealing from myself? Because that
• 38:39
  Speaker 2: was my time that earned that money, and it's my future.
• 38:43
  Speaker 2: It's taking it from powerful powerful That wouldn't work for me.
• 38:47
  Speaker 2: I'd be like, mah, I wouldn't be mad at myself
• 38:49
  Speaker 2: for stealing from myself. Yeah, I'm allowed. I'm allowed. I'm
• 38:52
  Speaker 2: a nice lady. Oh yeah, okay. I think that's the
• 38:54
  Speaker 2: perfect one to end it on because there's a bit
• 38:56
  Speaker 2: relatable I'm stealing from myself and both and I are like, hmm,
• 39:02
  Speaker 2: we're allowed to a key. Yeah, future me would be
• 39:05
  Speaker 2: proud of me. Yeah, exactly right, Beck. Big takeaway from today, yes,
• 39:11
  Speaker 2: I would say, is that there is literally no one
• 39:14
  Speaker 2: size fits a way to build better money habits. For
• 39:16
  Speaker 2: some of us, it's color coded budgeting. For others, it's
• 39:20
  Speaker 2: snapping a hair tie, pretending to be a pensioner on Facebook,
• 39:23
  Speaker 2: or having a pretend video game with reward points and
• 39:26
  Speaker 2: chores and honestly sis, if it works, lean into it,
• 39:31
  Speaker 2: lean in, lean in who cares how unhinged it is?
• 39:34
  Speaker 2: And my friends, if this episode is something that has
• 39:37
  Speaker 2: you rethinking your spending habits, the thirty day reframe might
• 39:41
  Speaker 2: be your next step. It is free, it is low pressure,
• 39:44
  Speaker 2: and it is packed with really simple ways to break
• 39:47
  Speaker 2: the buyer scroll repeat cycle. I'm going to make sure
• 39:50
  Speaker 2: that the link is in the show notes for you,
• 39:52
  Speaker 2: and as always, don't forget to follow and subscribe. It
• 39:54
  Speaker 2: really does help us to keep bringing you content you love.
• 39:57
  Speaker 2: We'll see you on Friday, see your friends, Bye byes.
• 40:05
  Speaker 2: The advice shared on She's on the Money is general
• 40:08
  Speaker 2: in nature and does not consider your individual circumstances. She's
• 40:12
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• 40:15
  Speaker 2: not be relied upon to make an investment or financial decision.
• 40:19
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• 40:21
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