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

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: the millennials who want financial freedom. Welcome to another one
• 0:30
  Speaker 2: of our Friday Drinks episodes from Lockdown, where we celebrate
• 0:34
  Speaker 2: the Money wents from our She's on the Money community
• 0:37
  Speaker 2: and type each other up significantly because there are so
• 0:41
  Speaker 2: many great wins and confessions that are shared in our
• 0:43
  Speaker 2: community each and every single week on our Facebook group
• 0:47
  Speaker 2: and even through Lockdown. Our team share them all in
• 0:50
  Speaker 2: our group chat.
• 0:51
  Speaker 3: So it only.
• 0:52
  Speaker 2: Feels fair to extend that opportunity to you guys to
• 0:55
  Speaker 2: talk about our group what's been going on, and update
• 0:59
  Speaker 2: you on what's been happening on the pod if you
• 1:00
  Speaker 2: missed it, so to jump straight in Tony Lodge what
• 1:04
  Speaker 2: happened this week on Money Diaries.
• 1:07
  Speaker 4: So this week, and with all due respect to our
• 1:10
  Speaker 4: Money Diarist was a very normal episode and very relatable,
• 1:14
  Speaker 4: which I think was was it's a great time to
• 1:18
  Speaker 4: have a normal one when there's enough going on in
• 1:20
  Speaker 4: the world that you know, a bit of normality is good.
• 1:23
  Speaker 4: When she moved out of home to go to UNI,
• 1:25
  Speaker 4: she got a credit card kind of snowballed her own debt,
• 1:29
  Speaker 4: which is super relatable for everybody. The girl and talked
• 1:33
  Speaker 4: about how she then read the first three chapters of
• 1:36
  Speaker 4: the Barefoot Investor book and is now, you know, putting
• 1:39
  Speaker 4: a deposit on a house and she's killing it.
• 1:42
  Speaker 2: She's got a great job.
• 1:43
  Speaker 4: And yeah, it was just a really nice one for
• 1:45
  Speaker 4: someone to kind of say, I had debt and I
• 1:47
  Speaker 4: had to pay it off and figure it out. And also,
• 1:50
  Speaker 4: if I may say myself, one of the best quotes
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  Speaker 4: ever was shared by me.
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  Speaker 5: That's oh okay again, I'm.
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  Speaker 2: Glad it's been you know, re urged and gone through
• 2:01
  Speaker 2: general consensus to make sure that we're all on board
• 2:04
  Speaker 2: with the fact that this is, according to Tony, one
• 2:07
  Speaker 2: of the best cheese on the money quotes.
• 2:09
  Speaker 5: In the episode as well.
• 2:11
  Speaker 2: Okay, but you shouldn't just quote people quoting myself.
• 2:15
  Speaker 4: No, that I shared that one thousand dollars is not
• 2:19
  Speaker 4: a lot of money to have, but it is a
• 2:20
  Speaker 4: lot of money to owe. Yes, sorry, I take everything back.
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  Speaker 4: And we had a few people saying that was like
• 2:27
  Speaker 4: a nice little outlook. So yeah, I think it was
• 2:29
  Speaker 4: a good episode.
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  Speaker 2: I loved that episode actually, as much as it was
• 2:33
  Speaker 2: quote normal, I think it was a nice to have
• 2:35
  Speaker 2: one that I related to and I know the best way. Yeah,
• 2:39
  Speaker 2: like that everybody can relate to that, So that was
• 2:42
  Speaker 2: really good. Jess What happened this week on our deep Dive?
• 2:45
  Speaker 6: So this week you and g spoke about five apps
• 2:48
  Speaker 6: that can make you money right now to day. If
• 2:51
  Speaker 6: you picked up your phone this very second, they could
• 2:54
  Speaker 6: make you money. I know it sounds a little scammy,
• 2:57
  Speaker 6: a little Clickbaby's not scammy.
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  Speaker 2: I promise we aren't a scam.
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  Speaker 3: Correct, But if you sign up right now, you get
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  Speaker 3: a ten percent discount.
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  Speaker 6: Guys, Jessica is the best, but a few different things
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  Speaker 6: from like reselling items to picking up odd jobs like
• 3:12
  Speaker 6: pet sitting, different bits and pieces that you can do.
• 3:14
  Speaker 6: And we know that a lot of people in our
• 3:16
  Speaker 6: community are doing it tough right now with lockdown and
• 3:19
  Speaker 6: might need a little bit of extra wiggle room in
• 3:20
  Speaker 6: their cash flow. So hopefully that episode helped you out
• 3:23
  Speaker 6: and gave you some suggestions on what you might be
• 3:25
  Speaker 6: able to do.
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  Speaker 2: Yeah, because we always talk about our friends from shop
• 3:28
  Speaker 2: back and our friends at Shares's, which are arguably two
• 3:31
  Speaker 2: of our favorite apps that make us money. But those
• 3:34
  Speaker 2: two apps require you to have money to make money
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  Speaker 2: and the apps that we recommended. You don't need anything,
• 3:39
  Speaker 2: you just need to sign up and start doing it,
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  Speaker 2: which I really liked. And Georgia and I promised that
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  Speaker 2: you could do most of them from your couch or
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  Speaker 2: from someone else's couch in the case of pet sitting.
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  Speaker 5: Jess.
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  Speaker 2: We were incredibly complimentary of you your Facebook manifestation skills
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  Speaker 2: and the fact that you are essentially the queen of
• 3:58
  Speaker 2: deepop us. We'll get that later. We'll wrap up our
• 4:01
  Speaker 2: accountability or guest challenge because I want to know exactly
• 4:04
  Speaker 2: how you've gone on deepop But before we get to
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  Speaker 2: all of that, because I'm actually really excited about it,
• 4:10
  Speaker 2: Ryan John, what has been going on in the Facebook
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  Speaker 2: community this week? And what do you want to share?
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  Speaker 3: All Right, there are some great wins this week. Some
• 4:19
  Speaker 3: are very small, but I think sometimes the smallest winds
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  Speaker 3: can often be the most hilarious. So there's a couple
• 4:23
  Speaker 3: of good guns Mighty, including Michelle who when she ordered
• 4:27
  Speaker 3: fish and chips, got an extra flake hashtag money well done.
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  Speaker 2: Result that's even bigger than getting an extra dimmy like flake.
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  Speaker 2: That's like eight, that's a big deal.
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  Speaker 6: I don't like you always get an extra potato cake
• 4:39
  Speaker 6: or an extra DYMSM, but a flake that's big.
• 4:42
  Speaker 2: That's big, and I reckon that they're not a good
• 4:44
  Speaker 2: fish and chip shop unless they give you bonus potato cakes.
• 4:47
  Speaker 3: Yeah, I agree with that. Now, just talking about making
• 4:50
  Speaker 3: money from the couch, NICKI has been listening to She's
• 4:52
  Speaker 3: on the money. She's been using spaceship and automating some
• 4:56
  Speaker 3: investment each month. She just gave her husband her referral
• 4:59
  Speaker 3: co and earned five dollars without leaving the cat. Well done.
• 5:05
  Speaker 3: Danny L has been looking for a do I say
• 5:08
  Speaker 3: a faux leather blazer? Perfect? Yep, So you're going to
• 5:12
  Speaker 3: say fox, yeah, because that's how it felt. But she
• 5:18
  Speaker 3: was struggling to justify the ninety dollars spend, so she
• 5:21
  Speaker 3: Jessica Rickett it and manifested a Facebook marketplace one and
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  Speaker 3: picked up the exact same blazer for ten dollars instead
• 5:28
  Speaker 3: of ninety. Say one yep, she said, barely been worn
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  Speaker 3: someone more at once wasn't for them. She picked it up.
• 5:34
  Speaker 3: They only lived two streets away, so when she did
• 5:36
  Speaker 3: her daily exercise for the day went for a walk,
• 5:39
  Speaker 3: she just literally walked down the street, picked it up,
• 5:41
  Speaker 3: gave him ten bucks and was on her way. Well
• 5:43
  Speaker 3: you love that, Natalie, and I know you've already seen
• 5:46
  Speaker 3: this one v Natalie said, I just re listened to
• 5:49
  Speaker 3: the Nailing Job Interview one oh one episode, which also
• 5:53
  Speaker 3: Lucy's listened to as well. Apparently I listened to it
• 5:55
  Speaker 3: because I had a job interview and I just got
• 5:58
  Speaker 3: my dream job iron sealed and delivered so well.
• 6:02
  Speaker 2: Literally made my heart so happy. I saw that. But
• 6:05
  Speaker 2: did you see that? Someone replied and said, same, two
• 6:09
  Speaker 2: people who got new jobs because they'd listened to the
• 6:12
  Speaker 2: episode and had implemented our tips and tricks, which I think,
• 6:15
  Speaker 2: obviously I'm taking full credit for them getting their new
• 6:18
  Speaker 2: jobs when we had probably absolutely nothing to do with it.
• 6:21
  Speaker 3: That's been good, don't say yourself. Sure, there's there's some
• 6:23
  Speaker 3: really good tips in the interview episode, and some of
• 6:25
  Speaker 3: them seem like until someone mentions it, you go, oh,
• 6:29
  Speaker 3: of course, But it's really easy to implement. So I'm
• 6:31
  Speaker 3: happy for Natalie. And she graduates unit at the end
• 6:33
  Speaker 3: of this year and the job starts in February. So
• 6:36
  Speaker 3: imagine you're halfway up, you're halfway through last year, and
• 6:38
  Speaker 3: you've already got a job ready to go at.
• 6:40
  Speaker 2: Such a dreamy. I love that for her.
• 6:43
  Speaker 3: Jessica got offered a new position at work. She's only
• 6:46
  Speaker 3: been there for two months.
• 6:47
  Speaker 2: Yes, good job, Ryan, you outed.
• 6:50
  Speaker 3: Me a different. Jessica has got offered a new position
• 6:54
  Speaker 3: at her work. She's only been there for two months,
• 6:56
  Speaker 3: and she said I had imposter syndrome. I didn't think
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  Speaker 3: I could do it two months in. I've got to
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  Speaker 3: promote and extra twenty thousand dollars a year, Oh my gosh,
• 7:04
  Speaker 3: plus twelve percent super as well, if you don't mind.
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  Speaker 2: On top of that, well, I don't mind if I do.
• 7:10
  Speaker 3: My friends who Rihanna, now here's a big one. I
• 7:14
  Speaker 3: just got pre approval for a home loan to buy
• 7:17
  Speaker 3: my first house, all on my own. I've been listening
• 7:21
  Speaker 3: to She's on the Money for years. I've been saving hard,
• 7:23
  Speaker 3: and now I've got pre approval. We're signed off. I
• 7:26
  Speaker 3: just need to find a place, so Welllash.
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  Speaker 2: Yes, how good is it when people that have been
• 7:31
  Speaker 2: in our community for ages finally achieve their goals? Like
• 7:35
  Speaker 2: it's so exciting. It's literally my favorite part of She's
• 7:38
  Speaker 2: on the Money is you guys sharing what you're achieving
• 7:41
  Speaker 2: with us?
• 7:41
  Speaker 3: Will Yeah and if you want to go check out
• 7:43
  Speaker 3: the Property Playbook, because I know if she's going to
• 7:45
  Speaker 3: start doing inspections and looking around, there's a whole bunch
• 7:48
  Speaker 3: of tips and tricks and little things to look out
• 7:50
  Speaker 3: for and hidden costs you might want to avoid. So
• 7:52
  Speaker 3: the Property Playbook for Anna. So from Rhannon to Briannon
• 7:58
  Speaker 3: from re to bre Brie says, I haven't spent a
• 8:03
  Speaker 3: single dollar on petrol all month because of lockdown. I
• 8:06
  Speaker 3: guess there is a silver line.
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  Speaker 2: That is a pretty good win. That is a win.
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  Speaker 2: I would love everybody who's potentially in a position where
• 8:14
  Speaker 2: they were spending money on petrol to transfer that money
• 8:18
  Speaker 2: to savings so it doesn't get spent on something else
• 8:20
  Speaker 2: during lockdown.
• 8:21
  Speaker 3: Though it's aggressive language from Victoria Devine, but very smart.
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  Speaker 2: I'm just an aggressive kind of person, guys, That's just
• 8:27
  Speaker 2: who I am.
• 8:30
  Speaker 3: And finally, Rachel said, I've been wanting to buy an
• 8:33
  Speaker 3: outdoor furniture set for my backyard.
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  Speaker 2: For ages or expensive.
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  Speaker 3: I had no idea how expensive they could be. I
• 8:40
  Speaker 3: was looking at a year ago and we just didn't
• 8:42
  Speaker 3: bother because they were like thousands of thousands dollars. Yeah,
• 8:45
  Speaker 3: so Rachel said on Sunday morning, I went for a
• 8:48
  Speaker 3: run and someone had put a full outdoor setting on
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  Speaker 3: the side of the road in excellent condition. It turns
• 8:53
  Speaker 3: out they've upgraded. So it just knocked on the door
• 8:55
  Speaker 3: and said, hey, maybe you mean.
• 8:57
  Speaker 2: To leave that out?
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  Speaker 5: Yeah, moving in and out of the front.
• 9:03
  Speaker 2: She checked though, that's so respectable.
• 9:05
  Speaker 3: Imagine Rachel, like money win, I robbed these people. So no,
• 9:10
  Speaker 3: it was in excellent condition. They had just upgraded. So
• 9:12
  Speaker 3: she quickly ran home and got the in laws that hey, guys,
• 9:15
  Speaker 3: come follow me. You got to help me out, and
• 9:16
  Speaker 3: they carried it down the street at the table and
• 9:19
  Speaker 3: chairs and stuff. So she said she was looking at
• 9:22
  Speaker 3: spending about five hundred dollars minimum, and that's really minimum.
• 9:25
  Speaker 3: But yeah, no, She's like, that was the real bottom end.
• 9:28
  Speaker 3: But now we've spent zero dollars and we are set.
• 9:31
  Speaker 3: So well done, Rachel, huge win, huge.
• 9:34
  Speaker 5: Win, money win Tobes and I did that with a microwave. Once.
• 9:40
  Speaker 5: We got a free microwave and we had to walk
• 9:43
  Speaker 5: it all the way home.
• 9:44
  Speaker 4: It was like three blocks away. We didn't have a
• 9:46
  Speaker 4: car at the time, so we just carry it all
• 9:49
  Speaker 4: the way home.
• 9:49
  Speaker 2: A microwave is a lot heavier than you would except
• 9:53
  Speaker 2: I can imagine. Good question though, did you just find
• 9:56
  Speaker 2: it on the side of the road?
• 9:57
  Speaker 5: No, no, no, no.
• 9:58
  Speaker 2: OA, Because I was about to say, I was about
• 10:02
  Speaker 2: to say, did you literally carry a microwave for three
• 10:06
  Speaker 2: blocks with the hope that it was working? Can you
• 10:11
  Speaker 2: imagine if you got it home and they were like, thump,
• 10:13
  Speaker 2: that's the reason it was on the side.
• 10:14
  Speaker 3: Of the road, take it back.
• 10:18
  Speaker 6: I feel like that's an interesting thread maybe for Friday.
• 10:20
  Speaker 6: Let us know what's the best thing you've picked up
• 10:22
  Speaker 6: on the side of the road, because I've seen a
• 10:25
  Speaker 6: few good ones, and I've never been so lucky. I'm
• 10:28
  Speaker 6: quite envious of the people who find really fantastic things,
• 10:30
  Speaker 6: so I'd love to know what it was.
• 10:31
  Speaker 2: I want to know your hard rubbish winds.
• 10:33
  Speaker 3: All right, let's put that in the group. And I
• 10:35
  Speaker 3: just want to add for hard rubbish. When I was
• 10:37
  Speaker 3: really little, like probably grade six, grade five, I always
• 10:40
  Speaker 3: used to take a bicycle helmet as I walked. There
• 10:43
  Speaker 3: was a couple of kilometers to school, because I didn't
• 10:46
  Speaker 3: know what I was going to find on the way,
• 10:47
  Speaker 3: but I knew i'd find something, whether it was an
• 10:49
  Speaker 3: old scooter or an old bike or a trolley. I
• 10:51
  Speaker 3: just knew there'd be something ridable on the way to school,
• 10:53
  Speaker 3: and I did that every year during hard rubbish and
• 10:55
  Speaker 3: all our friends rock up like, oh we found a scooter,
• 10:57
  Speaker 3: Oh what did you find? Oh we found this old
• 11:00
  Speaker 3: But you.
• 11:00
  Speaker 4: Cared enough to But you cared enough about your safety.
• 11:04
  Speaker 3: My mum told me to. And I can tell you
• 11:08
  Speaker 3: that one day I rode someone's desk chair down the
• 11:10
  Speaker 3: hill to my house.
• 11:13
  Speaker 5: I'm glad that you did have a helmet for that.
• 11:14
  Speaker 5: That sounds like it could be pretty dangerous.
• 11:16
  Speaker 3: Yeah, what it really was.
• 11:19
  Speaker 5: We don't condone this.
• 11:20
  Speaker 2: Yeah, we don't condone that type of behavior, but if
• 11:23
  Speaker 2: you are going to do it, please take your helmet.
• 11:24
  Speaker 3: My friend, absolutely safety first. Please go to this she's
• 11:27
  Speaker 3: on the money Facebook group. Joined the one hundred and
• 11:30
  Speaker 3: ninety thousand people in there, and tell us your hard
• 11:33
  Speaker 3: rubbish wins and we'll share them on this podcast next week.
• 11:42
  Speaker 2: All right, whipping back into this episode, guys, it is
• 11:46
  Speaker 2: the end of accountability August. We have been sharing our
• 11:50
  Speaker 2: accountability tips in the community. We've seen you guys all
• 11:53
  Speaker 2: over Instagram sharing our little Instagram story posts that you
• 11:58
  Speaker 2: could fill in and share your goals and you were
• 12:00
  Speaker 2: going to achieve. I know that I definitely haven't stuck
• 12:04
  Speaker 2: to my goal, but I've learned a thing or two
• 12:06
  Speaker 2: along the way.
• 12:08
  Speaker 3: Brian John, why do you always have to start with me,
• 12:11
  Speaker 3: which you know I've failed miserically.
• 12:13
  Speaker 2: Well, I just feel we can only go up from
• 12:16
  Speaker 2: after you.
• 12:17
  Speaker 3: How did you go on at fair?
• 12:20
  Speaker 2: How did you go during accountability August?
• 12:23
  Speaker 3: So my goal was to not spend any money on
• 12:26
  Speaker 3: Uber Eats for the entirety of August. And two days
• 12:30
  Speaker 3: after I said that, we went into a lockdown. And
• 12:32
  Speaker 3: as we've discussed many times, if there's one thing in
• 12:35
  Speaker 3: lockdown you can actually look forward to in your day
• 12:37
  Speaker 3: to give you a little spark of joy, food, it's food. Food.
• 12:41
  Speaker 3: Maybe living with my wife is also great, but food,
• 12:44
  Speaker 3: genuinely is great. And so the first few weeks I
• 12:47
  Speaker 3: pushed hard and I tried to use door dash or
• 12:52
  Speaker 3: use Bridget's account. But that is cheating, is it really is?
• 12:56
  Speaker 3: And that by the last week I've just really bombed
• 12:58
  Speaker 3: out hard and just got a move read to be honest,
• 13:00
  Speaker 3: but I just wanted to share two things quickly. I
• 13:03
  Speaker 3: did post a thing on TikTok this.
• 13:05
  Speaker 2: Week it's about to say, do you want to describe it?
• 13:09
  Speaker 2: You literally posted a TikTok during Accountability August how the
• 13:14
  Speaker 2: thing you're best at cooking in the kitchen is actually
• 13:17
  Speaker 2: cooking up excuses toward uber each.
• 13:20
  Speaker 3: It's my best thing I can cook up now. I
• 13:22
  Speaker 3: posted this. Alisha Grace commented on TikTok and said, Ryan,
• 13:27
  Speaker 3: there's still two days left of Accountability August.
• 13:31
  Speaker 2: He's not wrong.
• 13:33
  Speaker 3: And I replied to Alisha, I was like, mate, like
• 13:36
  Speaker 3: you said, Jess, weeks and weeks have gone past before
• 13:38
  Speaker 3: that was really But can I just point out I
• 13:41
  Speaker 3: was adamant that out of the hundreds of thousands of
• 13:43
  Speaker 3: people in the group, that I was not last. And
• 13:45
  Speaker 3: I think I've sound someone worse than me, well, not
• 13:48
  Speaker 3: worse than me, but just maybe who didn't succeed. I
• 13:50
  Speaker 3: don't want to be aggressive because I love this, but
• 13:52
  Speaker 3: Catherine says, I was supposed to go around the house
• 13:56
  Speaker 3: and sell a whole bunch of things on Facebook Marketplace,
• 13:59
  Speaker 3: and I was gonna make a huge profit. Instead, I
• 14:02
  Speaker 3: accidentally bought a puppy and sold nothings.
• 14:05
  Speaker 2: That's not failing, that's winning.
• 14:07
  Speaker 3: That is brilliant.
• 14:09
  Speaker 2: That's a great way to get off doing the challenge. Though,
• 14:11
  Speaker 2: oh sorry, accidentally got a puppy.
• 14:14
  Speaker 3: Accidentally got a puppy, she goes, but don't worry. September
• 14:16
  Speaker 3: will be my month, so nice work, Catherine. September will
• 14:21
  Speaker 3: also be my month. Let's not check back on this
• 14:24
  Speaker 3: one though. Let's go to Tony. Can you remind us
• 14:27
  Speaker 3: what you were attempting?
• 14:29
  Speaker 4: Okay, So my accountability August challenge was for no discretionary spending,
• 14:33
  Speaker 4: so only spending on things like brant, food and bills,
• 14:36
  Speaker 4: anything legally binding.
• 14:37
  Speaker 2: I anything legally binding.
• 14:40
  Speaker 4: I didn't buy anything that wasn't like we bought takeaway
• 14:44
  Speaker 4: a couple of times, and I.
• 14:46
  Speaker 2: Think during lockdown that's completely excusable. Everybody is going to say, yep,
• 14:51
  Speaker 2: she deserves that, you know. Yeah, it's true. Girls gotta eat.
• 14:55
  Speaker 4: And I didn't buy anything like any clothes or anything
• 15:00
  Speaker 4: for the whole month until Saturday, I bought a TV,
• 15:04
  Speaker 4: so I didn't.
• 15:07
  Speaker 2: Buy like a ten dollar top on. Asofs you literally
• 15:10
  Speaker 2: went and bought an entire television set.
• 15:13
  Speaker 4: But I would just like to preface or not preface,
• 15:17
  Speaker 4: because I'm saying it after. I would just like to
• 15:20
  Speaker 4: stick up for myself for yourself, defend myself. Thank you
• 15:24
  Speaker 4: didn't spend money on language. Apparently I've become so much
• 15:28
  Speaker 4: more mindful about things, and I haven't sat down and
• 15:32
  Speaker 4: just scrolled through and added things to my car, which
• 15:36
  Speaker 4: is so easy to do, especially when like everybody, I've got,
• 15:40
  Speaker 4: you know, my cash hub, my fun money, and I've
• 15:42
  Speaker 4: got all these different accounts. So if I know that
• 15:45
  Speaker 4: there's money in my fun money, I don't just go oh,
• 15:48
  Speaker 4: I might as well, or I like that enough to
• 15:51
  Speaker 4: buy it.
• 15:51
  Speaker 5: I was actually thinking, you know what, no, I don't
• 15:54
  Speaker 5: need that.
• 15:54
  Speaker 4: And the TV was a big purchase that we that
• 15:58
  Speaker 4: my boyfriend and I talked about for a while, and
• 16:01
  Speaker 4: we went halves from our fun money instead of being like, oh,
• 16:04
  Speaker 4: this is a necessity.
• 16:06
  Speaker 5: So I feel like we've come a long way.
• 16:10
  Speaker 3: Besides the TV, Tony, if you could put a dollar
• 16:12
  Speaker 3: amount on your discretionary spending for the month, do you think, oh.
• 16:16
  Speaker 4: Well, actually I can tell you because I put all
• 16:21
  Speaker 4: of my money into my upsaver.
• 16:24
  Speaker 2: We'll you do that, Tony.
• 16:25
  Speaker 6: I just want to say I am so impressed that
• 16:27
  Speaker 6: you made it through the whole Like that isn't not
• 16:29
  Speaker 6: a small feet, do you know, especially in lockdown where
• 16:33
  Speaker 6: we're really scrounging around for like a drip of joy
• 16:37
  Speaker 6: or serotonin.
• 16:39
  Speaker 2: I feel like you've done such a good job. Yeah,
• 16:41
  Speaker 2: I'm so proud of you.
• 16:42
  Speaker 5: But I mean, don't get it wrong.
• 16:43
  Speaker 4: On Wednesday, when it hit September first, I got that
• 16:46
  Speaker 4: serotonin back.
• 16:48
  Speaker 2: So how much did you end up September?
• 16:52
  Speaker 4: So all of the money that I didn't spend or
• 16:55
  Speaker 4: put aside when I went to spend it and I
• 16:58
  Speaker 4: put aside, I mean money from my fun money that
• 17:02
  Speaker 4: when I got new fun money, like my allowance kicked in,
• 17:05
  Speaker 4: I just put all of that money into my overflow
• 17:09
  Speaker 4: and that account has five hundred and seventy six dollars
• 17:12
  Speaker 4: in it.
• 17:12
  Speaker 2: Oh yeah, that is so good.
• 17:16
  Speaker 3: Yep.
• 17:16
  Speaker 5: So I'm going to go and spend that now. If
• 17:18
  Speaker 5: we could wrap this up, I'll wrap.
• 17:20
  Speaker 2: This up really quickly. But I do have another question
• 17:22
  Speaker 2: for you, Tony. You mentioned before that it made you
• 17:25
  Speaker 2: feel a little bit more mindful. Do you think that's
• 17:28
  Speaker 2: going to carry on? Do you think that you're spending
• 17:30
  Speaker 2: habits will change because you did this challenge?
• 17:33
  Speaker 4: I think that they will because I feel, you know, how,
• 17:36
  Speaker 4: what's that thing? It takes twenty days to break a
• 17:39
  Speaker 4: happy eight days to create after days.
• 17:41
  Speaker 2: Yeah, so I.
• 17:42
  Speaker 4: Feel like not actually sitting on my phone and just
• 17:46
  Speaker 4: mindlessly adding things to my cart, I feel like actually
• 17:49
  Speaker 4: will make a difference. I know it sounds really silly,
• 17:52
  Speaker 4: but it's so easy as well to just spend, like
• 17:55
  Speaker 4: you said, that ten dollars on that top on aesouce
• 17:57
  Speaker 4: or you know, just a little bit of money on
• 18:00
  Speaker 4: something when.
• 18:01
  Speaker 2: It adds up so quickly.
• 18:03
  Speaker 4: But because I didn't do that at all, none of
• 18:05
  Speaker 4: those cheeky ten dollars were ever leaving my account. And
• 18:09
  Speaker 4: it's like when you've done it for a month and
• 18:12
  Speaker 4: you've seen the impact it can actually.
• 18:14
  Speaker 5: Make, it makes you feel really good. I could feel
• 18:17
  Speaker 5: this self righteous all the time.
• 18:22
  Speaker 6: I love that for you definitely do that more so
• 18:26
  Speaker 6: if you need to raise yourself in the pecking order
• 18:28
  Speaker 6: of your friend's effects, you just want.
• 18:31
  Speaker 2: To steal better than everybody else. Take advice from Tony Lodge.
• 18:36
  Speaker 4: But I know that I saved quite a bit, but
• 18:39
  Speaker 4: I know that Jess made quite a bit.
• 18:42
  Speaker 3: I did.
• 18:43
  Speaker 6: I am so excited. I wasn't sure when we went
• 18:47
  Speaker 6: into lockdown. I thought, oh, that's it, Like I'm not
• 18:48
  Speaker 6: going to be able to sell anything because my plan
• 18:50
  Speaker 6: was originally to sell a bunch of stuff on Marketplace.
• 18:53
  Speaker 3: What was the goal. There's a money meaning.
• 18:55
  Speaker 6: For five hundred yeah, which was a little spicy, but
• 18:59
  Speaker 6: I actually ended up making eight.
• 19:01
  Speaker 2: Hundred and three seven years.
• 19:05
  Speaker 6: She yes, I sold a heap of stuff on deepop,
• 19:07
  Speaker 6: including to some beautiful community members, many of whom said,
• 19:11
  Speaker 6: I've put twenty four hours between me and this purchase
• 19:13
  Speaker 6: and I really wanted it aligns with my values and
• 19:16
  Speaker 6: made me tell you that made me so happy. But
• 19:19
  Speaker 6: I got really lucky and I had an appliance that
• 19:21
  Speaker 6: I had listed on Marketplace ages ago for one hundred
• 19:24
  Speaker 6: and fifty bucks, sell to someone who lives in my estate.
• 19:27
  Speaker 6: And we did just like Danielle, I did contact less
• 19:30
  Speaker 6: pick up. They just transferred me the money, there was
• 19:32
  Speaker 6: no contact and I left it out the front for them,
• 19:33
  Speaker 6: which was awesome.
• 19:34
  Speaker 4: And really boosted that money up. You know, that is
• 19:39
  Speaker 4: so cool, Jess. That is such a huge effort. Eight
• 19:42
  Speaker 4: hundred dollars and then I'm proud of you look at
• 19:46
  Speaker 4: her go.
• 19:47
  Speaker 6: My big takeaway, I think was that you really don't
• 19:52
  Speaker 6: need the things that you think you do. Like I
• 19:54
  Speaker 6: did a big clear out pre lockdown and had a
• 19:56
  Speaker 6: bunch of stuff to sell, and then because I was
• 19:58
  Speaker 6: at home and board, I went through all my stuff
• 20:00
  Speaker 6: that I'd already been through and I found so much
• 20:03
  Speaker 6: more stuff that I was like, oh, like, I obviously
• 20:06
  Speaker 6: wasn't ruthless enough the first time. I don't need that.
• 20:08
  Speaker 6: I haven't used it in a year or whatever. So
• 20:10
  Speaker 6: I feel like, Yeah, just holding onto things that you're
• 20:13
  Speaker 6: not using is really not serving you when you could
• 20:16
  Speaker 6: sell them and have that money do something for you,
• 20:18
  Speaker 6: especially if you were to investor or something like that.
• 20:21
  Speaker 3: What are you going to do with the eight hundred
• 20:22
  Speaker 3: dollars yest?
• 20:22
  Speaker 5: Is this going into your kitchen aid fund?
• 20:25
  Speaker 2: No, it's not.
• 20:26
  Speaker 6: It's going into my emergency fund. Because my emergency fund
• 20:29
  Speaker 6: was pretty much an existent, so I had been dipping
• 20:34
  Speaker 6: into it and it had gone down, so I wanted
• 20:36
  Speaker 6: to get it back up to one thousand, and that
• 20:38
  Speaker 6: almost gets.
• 20:39
  Speaker 2: Me there, which is amazing.
• 20:40
  Speaker 3: I love that.
• 20:41
  Speaker 2: Yeah, that is literally so good. And I love how
• 20:45
  Speaker 2: easy it is to sell things on deepop and Facebook marketplace,
• 20:48
  Speaker 2: even during this time. It's also really easy to buy
• 20:52
  Speaker 2: things on Facebook markets And shout out to Alissa, who
• 20:56
  Speaker 2: I tried to purchase something from the other day, and
• 20:58
  Speaker 2: she replied to me and said, Victoria divine, is this
• 21:01
  Speaker 2: in line with your values? And I was like, oh
• 21:05
  Speaker 2: yet out, yes it is.
• 21:06
  Speaker 3: Please give me Are you trying to make a sale
• 21:09
  Speaker 3: or are you not made money?
• 21:11
  Speaker 2: For a money?
• 21:13
  Speaker 3: Could you imagine if a Lissa worked in retail, You're
• 21:15
  Speaker 3: going to buy some clothes and they're like, do you
• 21:17
  Speaker 3: really need this? You really need this?
• 21:20
  Speaker 2: Yes, she was a delight to deal with. I transferred
• 21:23
  Speaker 2: her the money. She sent me the dress perfect condition,
• 21:26
  Speaker 2: very happy, love of Facebook marketplace whin but didn't appreciate
• 21:31
  Speaker 2: the sas, but it made good content for our podcast.
• 21:33
  Speaker 2: So thank you so much Alyssa for coming.
• 21:35
  Speaker 3: The how is your lunch purchasing or their lack of
• 21:38
  Speaker 3: through the month of August?
• 21:40
  Speaker 2: Do you know what? I feel like I've been able
• 21:42
  Speaker 2: to stick to this, but I also feel like I've
• 21:44
  Speaker 2: missed out a bit, Like everybody's had these really good
• 21:47
  Speaker 2: outcomes by you. Ryan Jess has made eight bundred bucks,
• 21:51
  Speaker 2: Tony saved like five hundred dollars, and I'm here ordering
• 21:54
  Speaker 2: rice noodles or Uber eats at two pm because I
• 21:57
  Speaker 2: forgot to eat lunch because lockdown life, just like you're
• 22:00
  Speaker 2: on a seventeen hour international flight in your own home.
• 22:04
  Speaker 2: So I feel like I have not done as well
• 22:07
  Speaker 2: as I could have. But in saying that, I wasn't
• 22:11
  Speaker 2: in the office, so I often did just eat at
• 22:13
  Speaker 2: home because the food was literally right there in the fridge.
• 22:17
  Speaker 2: I didn't have to forethink about taking it to work.
• 22:20
  Speaker 2: I'll probably try and pick the challenge up again when
• 22:23
  Speaker 2: I get back to work and we're back in the office.
• 22:25
  Speaker 3: Small full time shout out to twenty twenty four when
• 22:27
  Speaker 3: we're back guys.
• 22:30
  Speaker 2: Seeing you. But I think that I'll have to pick
• 22:32
  Speaker 2: it up again and pick another challenge because I feel like,
• 22:35
  Speaker 2: as much as I love accountability August, I'm really looking
• 22:40
  Speaker 2: forward to saving September.
• 22:42
  Speaker 3: Guys, Well, I'll tell you I can't do nothing.
• 22:46
  Speaker 6: I know.
• 22:49
  Speaker 5: I need to spend some money.
• 22:52
  Speaker 3: And then blow out October, which will be one of
• 22:55
  Speaker 3: the great months. Because I just send a shout out
• 22:56
  Speaker 3: to Taliah, who, like Tony, wanted to do a no
• 22:59
  Speaker 3: spend month. Her total of unnecessary spending for the entire
• 23:03
  Speaker 3: month was sixty one dollars. She just spent.
• 23:06
  Speaker 2: Sixty one who, for your troll is a massive flex.
• 23:12
  Speaker 4: I thought you were going to say, that's what she saved.
• 23:15
  Speaker 4: I was like, Dalah as well as me spend sixty six.
• 23:20
  Speaker 3: Dollars spent, which is unbelievable. I reckon, I spent that
• 23:24
  Speaker 3: today in Uber eats. I spent that at lunch. So
• 23:28
  Speaker 3: well done, well done.
• 23:29
  Speaker 2: Oh so Ryan's rich. Rich guys spending sixty one dollars
• 23:34
  Speaker 2: on lunch. Here, I'm being like, what's the cheapest with
• 23:37
  Speaker 2: free delivery on ob I don't even know what that is.
• 23:41
  Speaker 3: Yeah, I just clicked the buttons. I like it. Jess's
• 23:43
  Speaker 3: takeaway was there's way more stuff in your house than
• 23:45
  Speaker 3: you actually needed. My takeaway was takeaway beers, takeaway burgers.
• 23:52
  Speaker 2: Thank you much, thank you for coming. Ryan. I really
• 23:57
  Speaker 2: liked this challenge. I feel like accountability August is. It's
• 24:00
  Speaker 2: definitely something we'll pick up again as a community next year.
• 24:03
  Speaker 2: If you guys have any ideas that you want to
• 24:05
  Speaker 2: share with us for other monthly challenges that we could
• 24:07
  Speaker 2: do or the community could participate in, we want to
• 24:10
  Speaker 2: hear about them, comment on our Instagram or post them
• 24:13
  Speaker 2: in our Facebook group. We would adore hearing about them,
• 24:16
  Speaker 2: but as always, guys, I think that is all we
• 24:20
  Speaker 2: have time. For today. So just before we head off,
• 24:23
  Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal
• 24:26
  Speaker 2: and torrest Raight Islander people's. They're the traditional custodians of
• 24:30
  Speaker 2: the lands, the waterways and the skies all across Australia.
• 24:34
  Speaker 2: We thank you for sharing and for caring for the
• 24:36
  Speaker 2: land on which we are able to learn. We pay
• 24:39
  Speaker 2: respects to elders past and present, and we share our
• 24:42
  Speaker 2: friendship and our kindness.
• 24:44
  Speaker 4: The advice shared on She's on the Money is generally
• 24:46
  Speaker 4: nature and does not consider your individual circumstances. She's on
• 24:50
  Speaker 4: the Money exists purely for educational purposes and should not
• 24:53
  Speaker 4: be relied upon to make an investment or any financial decision.
• 24:57
  Speaker 4: And we promise that Victoria Devine is an author representative
• 25:00
  Speaker 4: of Australia Pacific Funds Management for Priortary Limited ABN three
• 25:04
  Speaker 4: four one three two four six three two five seven
• 25:07
  Speaker 4: AFSL three three nine one five one.
• 25:10
  Speaker 3: I've got a recommendation just before we leave all fun,
• 25:13
  Speaker 3: go and buy two copies of Victoria Devine's book, She's
• 25:17
  Speaker 3: on the Money. The first one you buy it purposely
• 25:20
  Speaker 3: for yourself, and the second one you buy it passively
• 25:22
  Speaker 3: aggressively for your friend who's terrible with money and give
• 25:25
  Speaker 3: it to them as a gift.
• 25:27
  Speaker 2: Passive aggressive book sales.
• 25:28
  Speaker 3: I love it.
• 25:31
  Speaker 4: She actually gets more money out of the passive aggressive form.
• 25:34
  Speaker 3: Yeah, she charges more for those satisfaction.
• 25:37
  Speaker 2: Really, it just does a better deal.
• 25:39
  Speaker 3: Hey, how's your saving going along? Interesting? Try reading this.
• 25:42
  Speaker 3: Maybe you want for a present and enjoy.
• 25:44
  Speaker 2: That's going to make a really good Christmas gift for
• 25:46
  Speaker 2: some people. I feel like it might become that gift
• 25:49
  Speaker 2: that you get people and then they're low key mad
• 25:51
  Speaker 2: at you about it on Christmas Day, But then next
• 25:54
  Speaker 2: year they're like, oh, hey, Tony, remember that present you
• 25:56
  Speaker 2: got that I didn't love so good? Changed my life?
• 25:59
  Speaker 5: Yeah, now I've got so much money.
• 26:01
  Speaker 4: I've brought you six PlayStations for Christmas.
• 26:05
  Speaker 2: Genius. I've always wanted six PlayStations. See you next week, guys.
• 26:09
  Speaker 3: Bye bye