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Budgeting When Life Is Complicated · She's On The Money

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Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud
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Speaker 1: Order Order Kerney Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
0:14
Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
0:22
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impactful tomorrow.
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Speaker 2: Let's get into it. She's on the Money, She's on
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Speaker 2: the Money. Hello, and welcome to She's on the Money,
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Speaker 2: the podcast for millennials who want financial freedom. Today, my friends,
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Speaker 2: is Beck's birthday. Who It's also Friday, but that means
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Speaker 2: it is time to get our little team together and
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Speaker 2: celebrate you, Beck and our incredible She's on the Money community.
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Speaker 2: Today is just goody. She's going to be sharing some
1:17
Speaker 2: of our favorite money wins, Miss Birthday becks Ed is
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Speaker 2: going to be sharing her best broke tips, and we're
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Speaker 2: going to be helping to answer a juicy money dilemma,
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Speaker 2: which this week is all about budgeting around a complicated lifestyle,
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Speaker 2: and we're gonna unpack something that you slid into our
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Speaker 2: DMS about this week. We're talking about sharing points with friends,
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Speaker 2: which Beck offline seemed very excited to talk about. Is
1:41
Speaker 2: that right? Like why are you so excited about that?
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Speaker 3: This seems so like like wow, what do you do?
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Speaker 2: Like how does that work?
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Speaker 3: How does this all work?
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Speaker 2: I love it.
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Speaker 3: I'm excited, like I won't go into it too much.
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Speaker 2: Okay, okay, we'll get there. But first things first are
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Speaker 2: happy Birthday and tells your day and week.
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Speaker 4: Then thank you so much.
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Speaker 3: I feel so I love, love, love my birthday. I
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Speaker 3: try and extend it for as long as possible. House
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Speaker 3: party on Saturday was beautiful. All my friends were around,
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Speaker 3: and I just felt so loved. All my buckets were full.
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Speaker 3: Today's the day, the day day. But it won't end
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Speaker 3: there because I'm going to.
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Speaker 2: This episode comes out on Friday, so like people are
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Speaker 2: going to be wishing you a happy birthday literally at
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Speaker 2: the end of the week.
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Speaker 3: Exactly, how good, exactly I've got plans all the end
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Speaker 3: of August. I love it. I'm just having the best time.
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Speaker 2: It's a genius. I love this someone who also loves
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Speaker 2: a birthday week. Mister gretchy week, bean Goo ahead.
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Speaker 4: I haven't done anything very exciting. I've just been sitting
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Speaker 4: at home working on my craft.
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Speaker 2: I've been working on my craft.
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Speaker 4: It's been like very except today it's been quite rainy
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Speaker 4: and cold, so I feel like it's perfect weather to
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Speaker 4: sit inside and do something crazy.
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Speaker 2: It's so cute craft.
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Speaker 4: Have you been ready through?
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Speaker 2: All right? I'm ready.
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Speaker 4: It's like done the thing where I've started. I got
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Speaker 4: really excited about many things, and now I have many
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Speaker 4: half do things. So I bought a bunch of vintage stamps,
3:02
Speaker 4: just like randomly to store.
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Speaker 2: I saw that and I was confused.
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Speaker 4: Yeah, I'm turning them into a phone case, which is
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Speaker 4: very fun. Oh okay, I'm collecting vintage stamps from countries
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Speaker 4: that i've been So I bought like this big bulk
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Speaker 4: a lot of stamps because they were really pretty and
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Speaker 4: they were so cheap.
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Speaker 2: How many stamps did you get?
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Speaker 4: I think I got like two hundred or something like
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Speaker 4: four dollars, and I.
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Speaker 2: Just that's a good deal. You can't use them though,
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Speaker 2: you know that, right.
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Speaker 4: But I just thought they were very pretty and there
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Speaker 4: was something about them that appealed, So I'm toying with
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Speaker 4: the idea of either doing like all blue because I
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Speaker 4: sorted them all by color. That's very that's very yes,
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Speaker 4: So like I could do like all blue stamps, or
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Speaker 4: like I was digging through seeing like what countries because
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Speaker 4: they're from all over the world, and I found a
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Speaker 4: lot from countries I've been to, So I was like,
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Speaker 4: maybe it could be like suitcase stickers, make a phone
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Speaker 4: case with like stamps from vintage stamps from countries, so
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Speaker 4: that doing that's right.
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Speaker 2: And then could make a kindle case because you have
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Speaker 2: so many it's so cute.
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Speaker 4: Well, funny you mentioned the kindle I bought a bunch
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Speaker 4: of new kindlestickers, so you did freshing the kindle case.
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Speaker 4: And then when I was doing sewing of I'm working
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Speaker 4: on my new favorite hobby. I'm sewing a quilted tote. Okay,
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Speaker 4: I love this. I've quilted it so far. It's not
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Speaker 4: shaped like a cute it is really cute, and I
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Speaker 4: love feasted the fabric, so if I cook it, it's
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Speaker 4: not too bad. It's because fabrics expensive, so it was
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Speaker 4: like four dollars or something.
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Speaker 2: Okay, but that's not the point, it's cute, it's she
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Speaker 2: it's fun.
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Speaker 4: So we'll see how that goes. And then lastly I
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Speaker 4: realized I was doing the little screen, medium screen, big
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Speaker 4: screen at night, like I was watching TV and I
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Speaker 4: have my laptop open and I was on my phone,
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Speaker 4: and I was.
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Speaker 3: Like, she's actually work screen.
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Speaker 4: That is awes. So I bought a little crocheky and
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Speaker 4: I'm trying to crochet a bag at like walle So
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Speaker 4: I watch TV and crochet so my hands are busy.
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Speaker 3: That's really really cute.
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Speaker 2: That's actually so wholesome. That is so yes many a
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Speaker 2: craft yes question. When you were a kid and someone
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Speaker 2: gave you, like a box of Smarties, did you sort
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Speaker 2: them my color and then eat colors in isolation?
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Speaker 4: Absolutely taste better than others. They taste all the same,
5:01
Speaker 4: but the brown Eminem's taste the best. At double chocolate,
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Speaker 4: that's what you are. I always not be argued with.
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Speaker 3: The red tasted better and also doubles. What's that red steel?
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Speaker 2: It also doubles? Is that you're broke to that's an
5:20
Speaker 2: incredible Yeah, just your smartest it's like made out of beetles.
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Speaker 4: I don't want to think about it.
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Speaker 2: Yeah, no one out of ten. I am, well, I
5:30
Speaker 2: think I told you last week that Steve decided to
5:33
Speaker 2: injure himself at soccer, so that wasn't really that fun.
5:37
Speaker 2: I think I mentioned it, But two broken ribs, are
5:40
Speaker 2: punctured lung, a broken scapular, and a whole heap of
5:43
Speaker 2: other stuff like separated a sea joint, like significant stuff.
5:47
Speaker 2: I've been his care this week, which has been really fun,
5:49
Speaker 2: because it turns out having a four month old and
5:53
Speaker 2: a husband who can't pick up your four month old
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Speaker 2: is actually not that fun in theory. Maybe you thought
6:00
Speaker 2: it would be.
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Speaker 4: Now you're double caretaking, you've got two children.
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Speaker 2: Fun, but for everyone, so that's been really I won't
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Speaker 2: say fun, it's just kept me really busy, and like
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Speaker 2: in between that and work and like obviously we've spoken
6:13
Speaker 2: about this, Steve was the primary parent and I was
6:16
Speaker 2: back at work, so that's definitely put a spanner in
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Speaker 2: the works. Just I don't have time for crafts right now,
6:21
Speaker 2: although I did fall victim to the algorithm again and
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Speaker 2: I'm surprised I didn't send this to you, But there
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Speaker 2: is this company in the US that does crochet kids
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Speaker 2: of mini characters, and they send you everything you need
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Speaker 2: to learn to crochet, and I have ordered a baby
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Speaker 2: dinosaur so that I can learn to crochet. And I
6:42
Speaker 2: need to send it to you because I just I
6:44
Speaker 2: saw it and I was like, this is so Jess,
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Speaker 2: and then I think I got wrapped up in purchasing
6:48
Speaker 2: it that I forgot to send it to you.
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Speaker 4: I want to crochet, you know, the sad Mouse. That's
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Speaker 4: my assa like picture. No, the sad Hamster.
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Speaker 2: Yeah, the sad Hamster with their little.
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Speaker 4: The meme where it would be like I'm just a
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Speaker 4: girl mirror and I was like the violin music of
7:02
Speaker 4: this hamster, like and people were making them look like themselves.
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Speaker 4: So my slack picture fame.
7:07
Speaker 2: Because you choose to work from home, which you know
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Speaker 2: everyone in our team has the option. We actually do
7:13
Speaker 2: have an office and all the Zella girls they have
7:16
Speaker 2: those as key rings. You know, yeah, you'd be that's
7:18
Speaker 2: so jealous. I walked in and it was like is
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Speaker 2: Jesse yah And they were like no, I would just
7:23
Speaker 2: be here and I was like, just looks like, Jess,
7:24
Speaker 2: it's been here.
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Speaker 4: I saw people crocheting the Sad Hamster, So that will
7:28
Speaker 4: be a project at some point.
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Speaker 2: You No, I do not put that on me. If
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Speaker 2: you want to help learning how to use your sewing machine,
7:36
Speaker 2: I'm your girl crocheting. I still am pretty certain I'm
7:40
Speaker 2: going to throw that out the window real quick. But
7:42
Speaker 2: let's get into the crux of the show, and it's
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Speaker 2: just Gricci. This week, you've been saying that there have
7:47
Speaker 2: been some pretty good money wins. Yes, what if people
7:50
Speaker 2: brought to the table.
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Speaker 4: Firstly, I've got a money win from Meg, who said
7:53
Speaker 4: she made a few purchases on deep hop. She had
7:55
Speaker 4: some great quality items at a bargain price. We love
7:57
Speaker 4: a secondhand cluthing purchase.
8:00
Speaker 2: I bought a dress online did Scanlon Theodore d Pop.
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Speaker 2: But I messaged her a couple of weeks ago and
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Speaker 2: said would you take X for it because it was
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Speaker 2: a bit expensive, and she said no, and then it
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Speaker 2: didn't sell. It didn't sell, so I was like I'm
8:14
Speaker 2: still open and she said yeah, let's do it and
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Speaker 2: I was like yes, sorry wins.
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Speaker 4: See that's the best feeling when you just wait and
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Speaker 4: wait and the universe says okay, haven't Yeah.
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Speaker 2: Mo was like originally I was like, I'm not paying
8:25
Speaker 2: that for that. Like I do like the dress, but
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Speaker 2: like I don't need the dress and then she made
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Speaker 2: me need the dress, so that was nice.
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Speaker 4: Love that for you. Well done to both of you. Next,
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Speaker 4: I've got a money win from kallany. I hope that
8:38
Speaker 4: I'm saying that correctly. She said that she switched her
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Speaker 4: Netflix plan from Premium, which is twenty six bucks a month,
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Speaker 4: to standard with ads, which is only eight, because she
8:46
Speaker 4: figured she's not really watching Netflix that much except for
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Speaker 4: on the weekends. The standard plan with ads is apparently
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Speaker 4: not too bad. It's barely one or two adds per episode,
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Speaker 4: and she's now saving herself almost twenty bucks.
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Speaker 2: That's something you should do because you're not even focusing
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Speaker 2: on Netflix. Literally, I'm just sitting I feel like an
9:03
Speaker 2: ad you need ads.
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Speaker 4: And I was like, I actually should do that.
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Speaker 2: That's really so be for real? Did you just say
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Speaker 2: that a Netflix subscription is now twenty six dollars? In
9:14
Speaker 2: my head? Netflix eight? Okay, so about the same. Yeah,
9:18
Speaker 2: what do you mean twenty six dollars with some ads.
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Speaker 4: We don't scam off our friends.
9:25
Speaker 2: They don't let you anymore, but you still have my
9:27
Speaker 2: Disney logan.
9:28
Speaker 4: I was gonna say, I definitely do not do any
9:30
Speaker 4: illegal password sharing.
9:32
Speaker 2: No, we would never moving on.
9:35
Speaker 4: Yeah, absolutely, quick, quick, quick. Next, I've got a money
9:38
Speaker 4: in from Rainer, who said she loves click and collect
9:41
Speaker 4: from Wally's. One time she ordered one tomato and one
9:44
Speaker 4: bunch of broccolick because that's all she needed. She unpacked it,
9:46
Speaker 4: she had five tomatoes and two bunches of broccoli.
9:49
Speaker 2: Then someone was like, you deserve this. Literally.
9:53
Speaker 4: She ordered bacon and ham for lunches last week and
9:56
Speaker 4: she says she doesn't know what happened, but they doubled it.
9:58
Speaker 4: She's only paid for one. They'd give it her as
10:00
Speaker 4: much as what she ordered. She said, money wins, click
10:03
Speaker 4: collect is the way to go, oh my.
10:04
Speaker 2: God, you're doing this. Yes? Can I also add in
10:07
Speaker 2: a little bit of my own money win because it
10:09
Speaker 2: like is writing on the coattails of hers. Now, you
10:12
Speaker 2: would think that ordering groceries on uber eats, that's ridiculous, right, like,
10:17
Speaker 2: why would you do that? But I got a notification
10:19
Speaker 2: the other day and it said get twenty dollars off
10:22
Speaker 2: groceries on Uber Eats, and I was like, okay, I'll
10:25
Speaker 2: have a look, I'll click like I love saving money,
10:28
Speaker 2: and it was twenty dollars off when you spend more
10:30
Speaker 2: than forty five dollars, and so it cost me way
10:34
Speaker 2: less to buy all of Harvey's formula. I bought two
10:37
Speaker 2: tins of formula, got twenty dollars off, and it got
10:40
Speaker 2: delivered and it was basically like free delivery as well.
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Speaker 4: Oh that's so good.
10:44
Speaker 2: Is that not a money win?
10:45
Speaker 3: Yeah?
10:46
Speaker 2: Formula is so expensive too, and.
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Speaker 4: I feel like it probably doesn't go on sale that often, right.
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Speaker 2: Not that I've noticed. Yeah, I mean I've only been
10:52
Speaker 2: here for a short period of time, and in that time,
10:55
Speaker 2: I've realized it's obnoxious.
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Speaker 4: Right, I love that. Well done. Next, I've got money
11:00
Speaker 4: in from Jewels, who said she received her monthly power
11:03
Speaker 4: bill for one hundred and ninety dollars, which seemed higher
11:05
Speaker 4: than her bills normally are. She scrolled through the document
11:08
Speaker 4: and she noticed that it was an estimated figure, so
11:10
Speaker 4: she checked her own meter, and turns out, once she
11:13
Speaker 4: submitted the correct reading to her company, it was actually
11:16
Speaker 4: only one hundred and fifty dollars.
11:17
Speaker 2: Okay, that is something we all should be doing. Yeah,
11:20
Speaker 2: you can check the meta, you can take a photo
11:22
Speaker 2: of it, you can send it in and they will
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Speaker 2: honor it.
11:25
Speaker 4: So what you got to check your own meter? They
11:27
Speaker 4: don't send someone out. They do it usually once a quarter,
11:30
Speaker 4: and so that's ther fsh market. Yeah, I see, Okay,
11:34
Speaker 4: why they digitize that.
11:35
Speaker 3: Now, I don't know why they don't.
11:36
Speaker 2: Like because I don't know how you digitize the meters. Honestly,
11:39
Speaker 2: they have those little ticking numbers, and I've always been like,
11:42
Speaker 2: what if I maxed out the ticking number and then
11:44
Speaker 2: I start again? Used one like the odometer on your car,
11:49
Speaker 2: like once you've reached a million kilometers, Yes, your car's
11:52
Speaker 2: brand new.
11:54
Speaker 4: Life hack. Last, we've got money in this week from
11:58
Speaker 4: Aaron who said her textbook from UNI was going to
12:00
Speaker 4: cost her almost two hundred bucks.
12:02
Speaker 2: Past obnoxious. I don't miss those days.
12:06
Speaker 4: That is daylight robbery. I'm so sorry. She found a
12:09
Speaker 4: copy that on Facebook Marketplace was brand new and she
12:11
Speaker 4: got it for thirty bucks.
12:12
Speaker 2: Oh do you know what? I wish Facebook, market Place
12:15
Speaker 2: and deepop existed. When I had to buy my university textbooks,
12:19
Speaker 2: getting them secondhand was incredibly hard. You'd have to like
12:22
Speaker 2: go to the library or like the secondhand shop at
12:25
Speaker 2: the UNI, and like everybody else had already done that,
12:28
Speaker 2: so there was nothing there.
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Speaker 5: Yeah.
12:30
Speaker 1: Oh well.
12:30
Speaker 4: Some are also commented right under Aaron and said a
12:33
Speaker 4: lot of unis now have a textbook exchange or their like.
12:36
Speaker 4: Student portals will often have like boards or Facebook groups
12:39
Speaker 4: where people are looking, you know, to on sell their
12:41
Speaker 4: last year.
12:42
Speaker 2: Isn't it good to live in twenty twenty five Fife?
12:45
Speaker 1: Being here?
12:46
Speaker 2: It's so good?
12:47
Speaker 3: On the flip side, maybe we're only here because the
12:49
Speaker 3: cost of living is so damn high. Literally, Okay, well,
12:53
Speaker 3: well I'm nice way to bring And since you've brought
12:58
Speaker 3: this up, just I'm assuming you're done.
13:00
Speaker 2: Would you like to take sender stage? What if you
13:02
Speaker 2: got to bring to the table?
13:03
Speaker 3: It's so negative to I don't know why, it's literally
13:07
Speaker 3: and I'm just so bitter. I think maybe this is
13:09
Speaker 3: what happens when you hit.
13:10
Speaker 2: Like cozy libs.
13:11
Speaker 3: I'm done, and I was bitter about something else before.
13:14
Speaker 3: I can't remember what it was, but anyway I do
13:16
Speaker 3: have that's the.
13:17
Speaker 2: Best way to be bitter about things that you can't
13:19
Speaker 2: even remember exactly exactly.
13:22
Speaker 3: I really am putting into a boomer.
13:24
Speaker 2: So apart from using Smarties as free lipstick, what if
13:29
Speaker 2: you got beck is not a bad idea, though, I've
13:31
Speaker 2: got to say, do try do you reckon it's like
13:33
Speaker 2: a lipstain.
13:34
Speaker 4: Dolly Parton used to do it with berries. Apparently. I
13:37
Speaker 4: just watched the DCC up Country and they had Dolly
13:39
Speaker 4: Parton was the guest that Super Bowl. She answered the
13:41
Speaker 4: DCC last year Dolly Putton. My god, her too as
13:48
Speaker 4: much as Dolly Parton.
13:49
Speaker 2: Her lack of belly button is unnerving. Yeah, like, like,
13:54
Speaker 2: do the maths don't work out?
13:55
Speaker 1: Why?
13:56
Speaker 3: Incredible? I just have a flashback of my mum in
13:58
Speaker 3: the bathroom trying to die hair with beetroot juice, like
14:01
Speaker 3: canned beetroot juice, and it does work. It's just music,
14:06
Speaker 3: organic be.
14:06
Speaker 2: I have questions. I have so many questions.
14:11
Speaker 3: It was very funny. My mind is very funny, and
14:13
Speaker 3: you can't say.
14:14
Speaker 2: It okay, But like my questions arise from the fact
14:17
Speaker 2: that you have naturally black hair. Parlor is your mum's, Yeah.
14:21
Speaker 3: I know, shockingly she's blonde. She actually yeah, with blonde hair.
14:28
Speaker 1: I know.
14:29
Speaker 2: See my mom's really blonde too, And everyone meets her
14:32
Speaker 2: and they're like, that is not what we expected.
14:35
Speaker 3: Shocking happens.
14:35
Speaker 2: Don't judge me exactly.
14:38
Speaker 3: Don't judge a book by its mother.
14:39
Speaker 2: They do say that, all right, what is your first
14:43
Speaker 2: broake tip.
14:44
Speaker 3: Okay, so this person one comes from Andrea. This is
14:46
Speaker 3: actually really really coolitess as the thing. So Andrew says,
14:49
Speaker 3: I have kids, so do multiple loads of washing a week.
14:52
Speaker 3: I've started using the delay start setting on my washing
14:55
Speaker 3: machine so it will run wash cycle overnight during off
14:58
Speaker 3: peak electricity.
15:00
Speaker 2: Then, very what the heck is an off peak electricity?
15:03
Speaker 4: Oh my gosh, bell Oh, I can tell you all
15:05
Speaker 4: about it because my gas electricity bill was nearly eight
15:08
Speaker 4: hundred dollars the last two months.
15:09
Speaker 2: Eight hundred dollars. That's close, honestly, Like she's asking for this.
15:13
Speaker 4: Bea we've been dropped've dropped our temperature?
15:15
Speaker 2: Oh okay, that Jess's house, Like if you walked into it,
15:18
Speaker 2: you'd be like, wow, this is a sauna. Like I'm
15:21
Speaker 2: pretty sure last time we were talking about this, you're like, yeah,
15:24
Speaker 2: we just have it set at twenty seven year round
15:26
Speaker 2: and I was like twenty four okay, okay, Richie, rich
15:30
Speaker 2: so what have you had to drop it to?
15:32
Speaker 4: We keep it at like nineteen twenty now, and we
15:34
Speaker 4: really want i know, freezing and taf Comically, Jessica, yeah,
15:39
Speaker 4: we're actually in a talk to our landlord. Because we reckon.
15:41
Speaker 4: There's something wrong because our usage has gone up like
15:43
Speaker 4: significantly since last year, but we're we're using it anymore.
15:46
Speaker 4: I'm worried that anyway. Not the point.
15:47
Speaker 2: No, we want to hear this because that's a fight.
15:49
Speaker 2: I'm willing to crazy listening on.
15:52
Speaker 4: They charge you more for electricity during certain hours of
15:54
Speaker 4: the day. It's like on your bill. If you look
15:56
Speaker 4: at it, if you say, we're dissecting it to figure
15:58
Speaker 4: out why on earth your bill was eight hundred dollars,
16:00
Speaker 4: it will show you they charge you a higher rate
16:02
Speaker 4: during peak usage times, which is usually like middle.
16:04
Speaker 2: Of the day when everybody else is using it.
16:06
Speaker 4: Yeah, like through that I think. I think ours is
16:08
Speaker 4: like maybe seven o'clock, eight o'clock something I remember. So
16:11
Speaker 4: it's actually a lot cheaper to run. If you're doing laundry,
16:14
Speaker 4: if you have to run the dryer or something like that,
16:16
Speaker 4: it's often cheaper to do it in the evening or
16:18
Speaker 4: in the very early morning.
16:19
Speaker 3: Okay, And does it change daily?
16:22
Speaker 4: No, peak time should be the same every day.
16:24
Speaker 3: Yeah, Oh my goodness, that's sick.
16:27
Speaker 2: I don't know.
16:28
Speaker 4: You could delay stuff.
16:29
Speaker 2: I don't know. Now they do because you're putting it
16:31
Speaker 2: on the podcast.
16:31
Speaker 3: Well, I hope everyone does. I'm gonna tell my housemates
16:33
Speaker 3: about it that it was just so like my mind
16:35
Speaker 3: was blown. Anyway, that's really clever and obviously, as you
16:37
Speaker 3: would have shared last week when I wasn't here, that
16:39
Speaker 3: if you use cold water it significantly reduces the we
16:43
Speaker 3: did share that incredible So thank you so much, Andrew,
16:46
Speaker 3: and thank you so much Fee.
16:47
Speaker 2: For reading that one out lost. Jess said that she
16:49
Speaker 2: always watches her stuff in warm water, and I was delicate,
16:52
Speaker 2: but then I was like, oh, are you also the
16:55
Speaker 2: girl that shrunk too really expensive jumpers in the recent past.
16:59
Speaker 4: No, I would not to confirm on tonight.
17:03
Speaker 2: All right, Beck, what is your second from the community?
17:06
Speaker 3: Broke to Okay, So this second one, I don't know
17:10
Speaker 3: how you guys are going to feel about this, but personally,
17:14
Speaker 3: I love this for so many different reasons. This one
17:18
Speaker 3: comes from Michelle. She says that she's basically it's quite
17:22
Speaker 3: a long one.
17:23
Speaker 2: You can see I'm not going to read it, and
17:25
Speaker 2: you're going to tell I'm going.
17:26
Speaker 3: To summarize it. And I'm so sorry Michelle if in
17:29
Speaker 3: advance I kind of mutu it. Yeah, obviously, Jess, you're
17:33
Speaker 3: talking about pottery before off air, and we'll.
17:36
Speaker 2: Kind of just pinner crafting era.
17:38
Speaker 4: Yeah, painted pottery too.
17:40
Speaker 2: I saw on Instagram. I was like, oh, what is that?
17:42
Speaker 2: And then I was like, that is a potter's wheel
17:45
Speaker 2: washing Jessica.
17:48
Speaker 3: So basically, personally, I love playing in dirt, and adults
17:52
Speaker 3: should be playing in dirt. I feel like not should nothing,
17:54
Speaker 3: No one should be.
17:55
Speaker 2: I'm going to give you my kid and you can
17:58
Speaker 2: do the.
17:58
Speaker 3: Exposure stuff, which absolutely I love it. I love it. It
18:01
Speaker 3: just makes you feel so silly and fun and close
18:02
Speaker 3: to nature. Anyway, it's so much fun. What Michelle did
18:05
Speaker 3: was she made clay or she did was have a
18:07
Speaker 3: bucket of water and a stick and got some soil
18:10
Speaker 3: from her yard that was rich in clay. I should
18:12
Speaker 3: give it. She literally made clay to do like pottery,
18:17
Speaker 3: which I think is so cool.
18:19
Speaker 2: And I love that she's gone. I guess foraging for
18:23
Speaker 2: natural clay. Is that what you're saying.
18:25
Speaker 3: I think she has like soil in her yard that's
18:27
Speaker 3: rich in clay. But you can also like, I don't
18:29
Speaker 3: know if people listening to this or in Victoria where
18:32
Speaker 3: you are in the world, but in Victoria, would you
18:34
Speaker 3: have like red hill on the peninsula full of like
18:36
Speaker 3: red beautiful clay, Like you can make clay from just
18:40
Speaker 3: clay playing in the dirt.
18:41
Speaker 2: You couldn't make clay from clay, saying.
18:44
Speaker 3: And I never thought about that before. You can make
18:47
Speaker 3: cute and then you can like make beautiful bowls for
18:50
Speaker 3: gifts or for yourself whatever.
18:53
Speaker 2: Jess, did you forage for your own clay when you
18:55
Speaker 2: were playing Posha? Recently?
18:57
Speaker 4: I foraged within the crater room that was provided at
19:01
Speaker 4: the place that I paid to euced I really try.
19:08
Speaker 2: What do you bring to the table today?
19:10
Speaker 3: This one actually happened upon this week, you.
19:12
Speaker 2: Happened upon or your girlfriend happened upon?
19:14
Speaker 3: No, genuinely mean yes. So I've been having to use
19:19
Speaker 3: ubers my cars in a really bad way. And there's
19:22
Speaker 3: a section in Uber that is called promotions, and it's
19:26
Speaker 3: it's like basically hidden, but you can find it if
19:30
Speaker 3: you just go to your account and then it will
19:33
Speaker 3: say you have multiple promos, and then you go into
19:35
Speaker 3: promotions and you'll see that you have like say, for example,
19:38
Speaker 3: thirty percent off three trips up to thirty dollars three
19:41
Speaker 3: trips left, twenty percent off three trips up to thirty
19:45
Speaker 3: dollars three trips left, and these are like they'll give
19:47
Speaker 3: you the date that you're allowed to use them between
19:49
Speaker 3: and all this kind of stuff. But like this thing,
19:51
Speaker 3: they don't just like they don't come out and tell
19:52
Speaker 3: you about this. You gotta literally find it.
19:55
Speaker 2: To go find it, Yeah, to find it. I think
19:56
Speaker 2: they might.
19:57
Speaker 3: Automatically apply it. If your trip does, you know, tick
20:01
Speaker 3: all the boxes for that particular thing, then will automatically
20:03
Speaker 3: apply it. Unless you know exactly what your promos are,
20:06
Speaker 3: you'll never get the opportunity to use them.
20:09
Speaker 2: I love that.
20:09
Speaker 3: Everyone, right now, go into you uber account and check
20:12
Speaker 3: out what your promos are and use them, because we're
20:15
Speaker 3: not getting our money's worth here, you know. So that's
20:17
Speaker 3: my broke tip for this week.
20:18
Speaker 4: That's a good one.
20:19
Speaker 2: That is a good one. I love it. All Right, guys,
20:22
Speaker 2: let's go to a really quick break because on the
20:24
Speaker 2: flip side, we're going to be talking about budgeting around
20:26
Speaker 2: a complicated lifestyle. And Beck is really excited to be
20:29
Speaker 2: talking about this week's DM which this week we're talking
20:32
Speaker 2: about sharing points with friends. So guys, don't go anywhere.
20:39
Speaker 4: Welcome back, everybody. Let's take a listen to this week's
20:41
Speaker 4: money dilemma.
20:45
Speaker 6: Hi, there, have you got a money dilemma you just
20:47
Speaker 6: can't solve? The Sheese on the Money Team is here
20:50
Speaker 6: to help. Every week, we tackle your dilemmas, both big
20:53
Speaker 6: and small, to answer your most burning money, career and
20:56
Speaker 6: life questions. To get involved, simply head to our website
20:59
Speaker 6: and leave us a short voice recording and you might
21:01
Speaker 6: just find yourself on the show. Now, let's take a
21:04
Speaker 6: listen to this week's money dilemma.
21:08
Speaker 5: Hi, She's on the Money Team. I'm twenty five years
21:11
Speaker 5: old and currently a yoga teacher. I have a really
21:14
Speaker 5: complicated lifestyle at the moment, which I'm very grateful for,
21:17
Speaker 5: but it does make it hard when it comes to
21:19
Speaker 5: budgeting and saving money. I go Overseas regularly on a
21:23
Speaker 5: work exchange to teach yoga, which I don't earn an income,
21:27
Speaker 5: and when I come back home to Australia, I either
21:29
Speaker 5: go work up in the Minds at a cafe or
21:32
Speaker 5: work as a yoga teacher. My income is always so
21:35
Speaker 5: different and I find it really hard to budget and
21:37
Speaker 5: save money because of this. When I do go overseas,
21:41
Speaker 5: I feel as though I'm spending way too much money
21:43
Speaker 5: because I'm not sticking to a budget, even though I'm
21:45
Speaker 5: doing things I like, like going out for food and
21:48
Speaker 5: sometimes partying and doing things I enjoy. I just come
21:52
Speaker 5: home every time from an overseas adventure and think to myself, Wow,
21:55
Speaker 5: I spend way too much money. And then I do
21:58
Speaker 5: come home and I work for it back up and
22:00
Speaker 5: then go overseas again. But it's such a non consistent income.
22:04
Speaker 5: Sometimes it's a really good income from the mind. Sometimes
22:08
Speaker 5: it's a really low income from working at a cafe
22:11
Speaker 5: or yoga teaching. My question is, how can I budget
22:14
Speaker 5: to make this a little more savvy. How can I
22:16
Speaker 5: work on saving some more money and making this more
22:20
Speaker 5: consistent so I can put some money towards my investments
22:23
Speaker 5: as well. Any advice would be appreciated. Thank you.
22:27
Speaker 2: This feels very beck cooded.
22:29
Speaker 3: That has been very back odd, But I do remember Victoria. Actually,
22:33
Speaker 3: like last year, someone messaged us with a It was
22:37
Speaker 3: kind of similar. They were a freelancer and they were
22:39
Speaker 3: kind of like SOMEONNS I make X amounts, someons I make.
22:42
Speaker 2: Some days I maybe good, some days maybe.
22:44
Speaker 3: Shit exactly well. And I'm maybe be saying and this
22:49
Speaker 3: could be different now, but you said average it out
22:52
Speaker 3: over twelve months.
22:54
Speaker 2: And I'm going to see myself out. I am not
22:56
Speaker 2: needed on this podcasting, Is that right? Yeah? I keep going.
23:00
Speaker 3: I ridged it out over twelve months with your expenses,
23:02
Speaker 3: average your expenses over twelve months, and then average your
23:06
Speaker 3: income over twelve months. Yeah no, yeah, yeah yeah. And
23:10
Speaker 3: then if you make ten thousand one month, for example,
23:14
Speaker 3: but you your average is two thousand a month, you're
23:17
Speaker 3: only spending two thousand a month. Yeah, something like that.
23:20
Speaker 2: No, no, no, that is absolutely on the money, which is
23:24
Speaker 2: money for most reasons here.
23:26
Speaker 3: That's crazy effects on the money, which in the intro
23:31
Speaker 3: to bexs on the money.
23:32
Speaker 2: Yeah, that's fine. That's your birthday, so you get whatever
23:35
Speaker 2: you want. Yes, that is absolutely true. So what I
23:38
Speaker 2: would say is understand your budget. And I think that
23:41
Speaker 2: you you sounded like you're having the best life. I
23:44
Speaker 2: don't know, but did you notice Jess being like, ooh,
23:47
Speaker 2: I'm like, are you pondering a career change? You want
23:50
Speaker 2: to go to be a yoga teacher? Like I wouldn't
23:52
Speaker 2: be surprised at this point she's become a pilates girlie.
23:56
Speaker 2: It's a slippery slope, fue. I feel like this is
23:59
Speaker 2: a really good example of you're living your best life.
24:02
Speaker 2: You're clearly enjoying it, but money is getting in the way.
24:05
Speaker 2: And so what we want to do is understand what
24:08
Speaker 2: Beck was saying. We want to understand our expenses. So
24:10
Speaker 2: how much are you on average spending every single month?
24:13
Speaker 2: But we want to budget on an annual But we
24:16
Speaker 2: want to budget on an annual basis, right, because there
24:18
Speaker 2: are going to be like once a year costs like
24:20
Speaker 2: insurances or Red Joe that we need to pay for.
24:22
Speaker 2: So over the year, have a look at how much
24:25
Speaker 2: money you actually need to bare minimum survive. Right, So
24:28
Speaker 2: let's pretend it's two thousand dollars a month. Let's start there.
24:32
Speaker 2: Then we're going to look at how much we earn.
24:35
Speaker 2: So over the last year, you would have done some
24:37
Speaker 2: work in the minds, you would have done some yoga teaching,
24:39
Speaker 2: you would have worked in the cafe a little bit.
24:41
Speaker 2: You're going to take that income, add it all together,
24:44
Speaker 2: and divide it by twelve. How much on average was
24:47
Speaker 2: that per month? So you're gonna look at that and go,
24:50
Speaker 2: let's pretend you know this is just for argument's sake,
24:53
Speaker 2: your expenses are two thousand dollars a month, and then
24:55
Speaker 2: you're earning four thousand dollars a month, right, So that
24:59
Speaker 2: means on average you've got two thousand dollars in additional income.
25:04
Speaker 2: That's twenty four thousand dollars a year. So what we
25:07
Speaker 2: want to do is make sure that every month we
25:10
Speaker 2: are allocating two thousand dollars and putting that to the side,
25:13
Speaker 2: and then any additional when we're not traveling, when we're
25:16
Speaker 2: not doing the big expenses, we're putting it to the side.
25:20
Speaker 2: The month after, let's pretend it's one of those big
25:22
Speaker 2: travel months. We aren't trying to overspend, Like if you
25:26
Speaker 2: had a ten thousand dollar month, because like I don't know,
25:28
Speaker 2: maybe you're out in the minds and you're earning the
25:30
Speaker 2: big dollars and instead of it being a four thousand
25:33
Speaker 2: dollar income month like usual, maybe you have an eight
25:36
Speaker 2: thousand dollar month because you've had a big month, you've
25:38
Speaker 2: done some overtime. That doesn't mean we blow out. That
25:41
Speaker 2: means we take now six thousand dollars and put that
25:44
Speaker 2: into the savings account so that next month, maybe you're
25:47
Speaker 2: traveling and don't have an income, we can still pay
25:50
Speaker 2: our two thousand dollars in base amount. Of expenses and
25:53
Speaker 2: then we can use the surplus and what's left over
25:56
Speaker 2: for the travel and they're eating out and all of that.
25:59
Speaker 2: So what we want to do then is have at
26:01
Speaker 2: home budget, so we've got our everyday budget the expenses
26:05
Speaker 2: that are not going to change. For some people, that
26:08
Speaker 2: could be like rent. Maybe you're paying rent or you're
26:10
Speaker 2: overseas still. But then I want to know what your
26:13
Speaker 2: budget for your holidays are. So if you're going overseas
26:15
Speaker 2: to teach yoga, does that change depending on the country
26:18
Speaker 2: you're in. Maybe if you're teaching in Thailand, it's much
26:20
Speaker 2: cheaper than if you were going to France. So we
26:22
Speaker 2: need to make sure that we understand, well, what is
26:24
Speaker 2: a daily budget, how many days am I going for?
26:26
Speaker 2: What does this look like, so that you can start
26:29
Speaker 2: to allocate the funds towards that. So when you get home,
26:32
Speaker 2: you're not shot in the four and you don't have
26:34
Speaker 2: the money that you need for the expenses that are
26:37
Speaker 2: ultimately always going to be there. Does that make sense?
26:40
Speaker 2: Just do you have any tips.
26:41
Speaker 4: And tricks, nothing to add other than you did a
26:44
Speaker 4: full episode a few years ago call budgeting for variable income,
26:46
Speaker 4: which goes into that, and you know a few other
26:48
Speaker 4: like systems and processes people could consider in like a
26:51
Speaker 4: whole episode. So if you want a bit more info,
26:53
Speaker 4: I would go listen to that because a really good YEP.
26:55
Speaker 2: I did it, so I agree turn out of ten.
26:58
Speaker 2: Would you guys like to move on to this week
27:00
Speaker 2: money dilemma?
27:01
Speaker 4: Absolutely?
27:02
Speaker 2: So this week we got a dam sounded exactly like this,
27:05
Speaker 2: because guys, I am reading it verbatim. Hi, I need
27:08
Speaker 2: a vibe check on this. Every weekend, my friend and
27:11
Speaker 2: I go out for dinners, drinks, and the occasional shopping
27:14
Speaker 2: spree must be nice. They always put everything on their
27:17
Speaker 2: fancy new credit card to rack up points, and I
27:20
Speaker 2: transfer them my share after Now we're planning for an
27:23
Speaker 2: overseas trip and they just announced that they're using those
27:26
Speaker 2: points to upgrade to business class. They didn't even offer
27:30
Speaker 2: to share the perks, despite the points being partly from
27:32
Speaker 2: our shared expenses. I'm feeling pretty miffed. It's like I
27:36
Speaker 2: helped build these points and now they're flying in luxury
27:39
Speaker 2: while I'm stuck back in economy. I get that they
27:42
Speaker 2: technically paid, but it stings that they didn't ask if
27:45
Speaker 2: I wanted to split the upgrade or enjoy some extra
27:48
Speaker 2: comfort too. It feels like they've been using our outings
27:51
Speaker 2: to boost their rewards at my expense. How do I
27:55
Speaker 2: bring this up without causing drama but still make it
27:58
Speaker 2: clear I'm feeling a bit used or am I just
28:00
Speaker 2: overreacting and discuss this.
28:03
Speaker 3: Is really tricky because like, I get it, I get it.
28:07
Speaker 3: I guess if I had a card that I intended
28:09
Speaker 3: on like collecting or accumulating points on, but all my
28:13
Speaker 3: friends are like, no, no, let me get this one,
28:14
Speaker 3: And like if I sense that there was a bit
28:17
Speaker 3: of like sneakiness behind it, they're like, no, I want
28:20
Speaker 3: to pay for this, but you still pay me your share,
28:21
Speaker 3: but I just want to get the points. Then I'd
28:23
Speaker 3: be like, oh, I'm kind of bit dirty about that.
28:26
Speaker 3: But if you just didn't have a card that you
28:28
Speaker 3: were trying to accumulate points on and then later on
28:31
Speaker 3: realized that you could have been accumulating points.
28:34
Speaker 2: Now you're salty that your friend was making the most
28:36
Speaker 2: of it.
28:36
Speaker 3: Yeah, I feel like that's like maybe if you inquired
28:39
Speaker 3: early and everyone's like, don't worry about it, like this
28:41
Speaker 3: is you know, you don't need to worry, Like you
28:42
Speaker 3: just keep doing what you're doing then, I don't know
28:45
Speaker 3: if there's any sneakiness involved, which doesn't really sound like
28:48
Speaker 3: it is. Sounds like your friends are just like making
28:50
Speaker 3: the most of what they were trying to do, I guess.
28:53
Speaker 3: And they didn't know that a trip was coming up.
28:56
Speaker 3: You just started planning this trip recently. It sounds like
28:59
Speaker 3: I think there's no ill intent really, so I don't know.
29:03
Speaker 3: I don't know.
29:04
Speaker 4: I feel like they did know. It sounds like a
29:06
Speaker 4: listener because they said like they knew they were putting
29:08
Speaker 4: the credit card on everything on the credit card to
29:11
Speaker 4: brack up points, so they knew that that was happening.
29:13
Speaker 2: Ye.
29:13
Speaker 4: I feel like if you wanted the points, you get
29:15
Speaker 4: your own card. Like it's to me, it's a very
29:17
Speaker 4: black and white situation, like our friends do it. Like
29:19
Speaker 4: one of our like before I had a credit card,
29:21
Speaker 4: one of our friends had a credit card. If we
29:22
Speaker 4: went out, they'd say, can we pay it? We'd go, like,
29:24
Speaker 4: what difference does it make to us.
29:26
Speaker 2: Transferring them cash from your Like I'm paying what I would.
29:29
Speaker 4: Pay regardless, you might as well get the points. Now
29:32
Speaker 4: that I have my own credit card, I just go, oh,
29:33
Speaker 4: like okay, because I want my points.
29:35
Speaker 2: Yeah, one hundred percent.
29:36
Speaker 4: To me, it is such a non issue. Also, the
29:39
Speaker 4: amount of points that you get from like paying for dinner,
29:42
Speaker 4: even if it's every week, versus the amount of points
29:44
Speaker 4: it takes to upgrade to something like it's a huge.
29:46
Speaker 2: Would be Yeah, like to upgrade to business which I
29:49
Speaker 2: have done recently, So I did that flying to Europe.
29:53
Speaker 2: It's hundreds of thousands of points. Like, you're not to
29:56
Speaker 2: be whole, not to be dramatic, but when she said
30:00
Speaker 2: I go out for dinners, drinks and the occasional shopping spree,
30:03
Speaker 2: that's not going to get your business class upgrade, Like
30:06
Speaker 2: that's not Like, I don't mean to be offensive. I
30:09
Speaker 2: get that you're probably contributing to the points, but like,
30:11
Speaker 2: it doesn't add up that way. Two, why are you
30:14
Speaker 2: letting your friend always pay instead of splitting it if
30:18
Speaker 2: you wanted points as well? Like why don't you have
30:20
Speaker 2: your own? Three? Your friend might be upgrading to business class,
30:24
Speaker 2: but are you aware of whether she's paying off her
30:27
Speaker 2: credit card or not? You're transferring her cash. You are
30:29
Speaker 2: in your own little finance bubble, And I'm assuming you're
30:33
Speaker 2: okay because you don't have a credit card, you're not
30:35
Speaker 2: racking up personal debt. So your friend even paying this
30:37
Speaker 2: off or paying the minimum, like, she might have points
30:40
Speaker 2: to upgrade, but she might be in personal debt and
30:42
Speaker 2: you just don't know it.
30:43
Speaker 5: Yeah.
30:43
Speaker 4: To me, I think it is kind of a silly thing.
30:46
Speaker 4: I think it's a little bit unreasonable to expect her
30:48
Speaker 4: to split the upgrade. I think there's a larger or
30:51
Speaker 4: she can't split an upgrade. No, you can't. But I
30:53
Speaker 4: think that's a large question maybe around you know, is
30:55
Speaker 4: it okay if you're flying with someone and you agree
30:57
Speaker 4: that you're flying together to upgrade without inting them to
31:00
Speaker 4: upgrade or without you're ine, Like maybe the friend thought
31:02
Speaker 4: you were going to sit in economy together.
31:04
Speaker 2: Like kges, I have enough points, I can upgrade me.
31:07
Speaker 2: But like yeah, and you'd be sitting on your own.
31:09
Speaker 2: I wouldn't ever do that to anybody.
31:11
Speaker 4: No, No, I wouldn't you.
31:12
Speaker 2: Actually, we have.
31:13
Speaker 4: Sat an economy together many a time, so, like, I
31:15
Speaker 4: think that there's a conversation to be had around that.
31:18
Speaker 4: But I think if you separate that out, the points
31:20
Speaker 4: thing to me is like such a non issue. If
31:21
Speaker 4: you want points, you're very entitled to earn your own points,
31:24
Speaker 4: get your own cut, like you can't do you know
31:26
Speaker 4: what I mean, Like you can't really expect her to
31:29
Speaker 4: be Yeah, I just think it no to me, it
31:31
Speaker 4: feels a little bit unreasonable.
31:32
Speaker 3: I agree, And I guess like if you flip it,
31:34
Speaker 3: if the person writing in was in fact the person
31:36
Speaker 3: who was being really savvy and linked all of their
31:39
Speaker 3: things and was trying to get points for whatever, first
31:42
Speaker 3: of all, exactly you sav like that amount of points
31:45
Speaker 3: wouldn't have gotten them very far anyway. I'm assuming it's
31:48
Speaker 3: like years.
31:48
Speaker 2: Worth, unless you're spending thousands of dollars and months, like
31:52
Speaker 2: you're not going to get there, like Steve and I
31:55
Speaker 2: have recently, oh maybe in the last twelve months. He
31:58
Speaker 2: got a credit card and we have been putting all
32:01
Speaker 2: of our expenses onto the credit card and just paying
32:03
Speaker 2: it off every month because we knew that we wanted
32:06
Speaker 2: to do a Europe trip and we got like I
32:08
Speaker 2: think it was like one hundred thousand bonus points when
32:11
Speaker 2: Steve signed up for this card, and then every single
32:14
Speaker 2: expense has been going on there. We still had like
32:17
Speaker 2: a small out of pocket to pay for our business
32:21
Speaker 2: Class upgrade, which fine, no worries. It was a couple
32:24
Speaker 2: of one hundred dollars, but to us it was worth it.
32:27
Speaker 2: But that's with us putting every single like out of
32:30
Speaker 2: pocket expense on our credit card and paying it off
32:33
Speaker 2: each month. So like when you say, oh, every weekend,
32:37
Speaker 2: I'm like, oh, like we were putting everything we could
32:40
Speaker 2: on that card to rack up points.
32:41
Speaker 3: Yeah and yeah exactly. So with that in mind, if
32:45
Speaker 3: it was flipped and yeah, the person running in was
32:48
Speaker 3: in fact the one being savvy, I'm sure they would
32:51
Speaker 3: be like quite protective of those points that they accumulated
32:55
Speaker 3: over the years. And we're really intentional about and like, oh,
32:59
Speaker 3: I'm putting everything on the cards that I can eventually
33:01
Speaker 3: have a good upgrade. They're thinking about their future self
33:04
Speaker 3: And I think that if it was flipped around, the
33:07
Speaker 3: person writing and would not be like wanting their friend
33:11
Speaker 3: to expect to have some of those points transferred to
33:14
Speaker 3: them because you put in the work, babe, you deserve that.
33:18
Speaker 3: But I get it with that now, the person writing
33:21
Speaker 3: into us our listener, do get a card if you
33:25
Speaker 3: feel like you're missing out, and.
33:27
Speaker 2: But also be careful because it could be a slip
33:29
Speaker 2: gery slope. Like I said before, do you know if
33:32
Speaker 2: your friends her credit card like the business class upgrade
33:35
Speaker 2: I'm promising you is not worth it if you're not
33:38
Speaker 2: going to be responsible with your finances.
33:40
Speaker 3: There's not It's not only credit cards right like you
33:42
Speaker 3: can get here it is. Oh, I was thinking Flybys something.
33:45
Speaker 2: Yeah, like fly By. Jess is the queen of fly Bys.
33:47
Speaker 2: Like if I go shopping with Jess, I don't have
33:50
Speaker 2: fly Bys.
33:51
Speaker 4: I'm that friend.
33:52
Speaker 1: I have.
33:55
Speaker 2: Fly Bys, I just never bring the card. So if
33:57
Speaker 2: I'm with Jess, I literally turned to her and go,
33:59
Speaker 2: I don't my card, and she's like, oh, let me
34:01
Speaker 2: grab mine. Like this woman worked so hard to wield
34:08
Speaker 2: up her Flybys points that she bought a whole lass
34:10
Speaker 2: kitchen aid mixer.
34:11
Speaker 4: Yeah, that's at a dance in vacuum and AirPods.
34:14
Speaker 2: Oh it's okay, it's been a while since we've had
34:18
Speaker 2: a little bit of an upgrade or updates. Sorry, Can
34:21
Speaker 2: I just break this down a little bit further? So
34:24
Speaker 2: let's pretend Jess and I are going on holiday together.
34:26
Speaker 2: We've been planning this holiday. Where do we want to go? Jess,
34:28
Speaker 2: We're go go Barley or something. We're so excited. If
34:31
Speaker 2: Jess then turned around to me and said, I've upgraded
34:33
Speaker 2: myself to business and we're not flying together.
34:37
Speaker 4: You've been miffed.
34:38
Speaker 2: It's not about that you're in business. It's not about
34:41
Speaker 2: the additional luxury. It's not about that. What do you
34:43
Speaker 2: mean aren't we going on holiday together? Why aren't we
34:46
Speaker 2: sitting together?
34:46
Speaker 4: Like aren't we going to hang out?
34:47
Speaker 2: Aren't we like keeping each other company on the long fly?
34:50
Speaker 2: Like aren't we aren't we going on a holiday together somewhere?
34:55
Speaker 4: Like That's what I feel is the bigger problem.
34:57
Speaker 2: Why are you avoiding me?
34:59
Speaker 1: Like?
34:59
Speaker 2: I find that's so strange, Like I don't know, Like
35:02
Speaker 2: when we go on a flight, like Jess and I,
35:05
Speaker 2: we make sure we're picking our chairs so they're close
35:07
Speaker 2: to each other because I want to be bored.
35:09
Speaker 4: Yeah, Like what is that about?
35:12
Speaker 2: I don't know?
35:13
Speaker 1: Is that? No?
35:13
Speaker 2: I get that.
35:14
Speaker 3: I get that. That makes sense, So it's probably like
35:15
Speaker 3: that's more the issue than the actual Yeah.
35:17
Speaker 2: To me, that's more of an issue that your friends
35:20
Speaker 2: just went and upgraded herself like talking without Like to me,
35:24
Speaker 2: that's the red flag. The fact that she's been putting
35:26
Speaker 2: all of your expenses on points Like I kind of
35:28
Speaker 2: don't care. I'm like, okay, savvy girl is using her
35:30
Speaker 2: credit card and you clearly don't have one, But why
35:33
Speaker 2: don't you want to sit together?
35:35
Speaker 3: Yeah, we fan what did the community have right?
35:40
Speaker 2: So we had a chat with the community and we said,
35:42
Speaker 2: what's your two cents? Some of you had a lot
35:45
Speaker 2: of opinions that were very like ouse, and some of
35:47
Speaker 2: you did point out that the red flag was actually
35:50
Speaker 2: more about them upgrading without consultation, not because of the upgrade,
35:55
Speaker 2: but because they're moving to a different part of the plane.
35:58
Speaker 2: And some people had some cool opinions. So one person said,
36:00
Speaker 2: it sounds like a potential value in compatibility. You need
36:04
Speaker 2: better friends. Someone else said, if they weren't upfront about
36:08
Speaker 2: spending for points, then it's just a shitty French. Someone
36:12
Speaker 2: else said that's not the best way to start an
36:14
Speaker 2: international trip, imo. Someone else said I'd be miffed, but
36:18
Speaker 2: Godone else said mift yes. Someone else but good on
36:23
Speaker 2: them for being smart, I guess. Someone else said, this
36:26
Speaker 2: is a bit of a live and learn situation. Plus
36:28
Speaker 2: the points may be worth it now, but the annual
36:31
Speaker 2: fee isn't. Someone else said, I'd probably make the point
36:34
Speaker 2: by not letting her pay for everything on the card
36:37
Speaker 2: moving forward, I feel like that's probably a good summary
36:40
Speaker 2: of everybody's opinions. I don't think I have hips to
36:44
Speaker 2: add to that, Like, yes, it might be annoying in hindsight,
36:48
Speaker 2: behindsight is twenty twenty right totally.
36:50
Speaker 3: And also, do you remember that the holiday is not
36:52
Speaker 3: the travel there, I know it would suck to not
36:55
Speaker 3: sit together, but the holiday is actually the destination, isn't
36:58
Speaker 3: it exactly not the journey.
37:00
Speaker 2: In that situation, In that particular situation, it's not about
37:04
Speaker 2: the journey. It's about the destination. I love that. All right, Well,
37:08
Speaker 2: that's a really good place to leave it. Have the
37:10
Speaker 2: best week, guys. I'll see you tomorrow for a Sneaky
37:13
Speaker 2: solo episode and then on Monday, brianon Early for a
37:16
Speaker 2: money dary. Have a good weekend, guys, Hi, guys Bie.
37:25
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