Latest / Two Broke Chicks / The Spend & Save Checklist For Your 20s
Transcript
- 0:00Speaker 1: This podcast is recorded on gadigal Land Always was, always
- 0:03Speaker 1: will be Aboriginal Land.
- 0:12Speaker 2: Hey Jicks, I'm out and I'm out and this is
- 0:14Speaker 2: two broake chicks to show that shares life lessons.
- 0:16Speaker 3: And tips to make you rich in life.
- 0:19Speaker 2: And what a couinky dink because today we're going to
- 0:22Speaker 2: be sharing our spend and Save checklist.
- 0:26Speaker 1: For your twentieshev spend and save check this for your
- 0:30Speaker 1: twenty because this is going to get you, like yeah,
- 0:33Speaker 1: or any age, but this is literally the best investments
- 0:36Speaker 1: you can make in your twenties for the best reward.
- 0:40Speaker 4: It's like a reward. It's like reward exactly.
- 0:43Speaker 2: But before we get into it, we like to start
- 0:45Speaker 2: with a product wreck of Zyvic.
- 0:47Speaker 4: So what's yours?
- 0:49Speaker 1: So my product wreck is a little tip on what's
- 0:52Speaker 1: trending at the moment. So I saw that apparently cherry
- 0:59Speaker 1: red out and butter yellow is in.
- 1:03Speaker 2: Oh no, oh, you could see we're both wearing outfits
- 1:10Speaker 2: with accents of red.
- 1:11Speaker 1: I'm like, okay, So apparently butter yellow is the color
- 1:17Speaker 1: of summer. Okay, like the new up and coming color
- 1:21Speaker 1: that like will be summer in you know, the upper
- 1:23Speaker 1: region Northern Hemisphere to get it new did geography and
- 1:27Speaker 1: then will be like our summer color once it rolls
- 1:29Speaker 1: around in November December. And this came from insights from
- 1:33Speaker 1: a sauce that butter yellow has been up ninety eight
- 1:37Speaker 1: percent as reported by data.
- 1:38Speaker 4: But make it fashion. Wow, I'm not sure how I
- 1:41Speaker 4: feel about it.
- 1:42Speaker 1: I can't necessarily say yellow has traditionally been my color
- 1:47Speaker 1: nor an easy color to style.
- 1:51Speaker 2: On some people, it looks incredible. I don't think I've
- 1:54Speaker 2: personally ever owned anything yellow.
- 1:57Speaker 3: I don't think count.
- 1:58Speaker 1: Yeah, I don't think I've ever earned anything yellow. However,
- 2:04Speaker 1: if I can look like Kate Hudson and how to
- 2:06Speaker 1: lose a go in ten days, I'll make it work.
- 2:09Speaker 4: True. But yeah, it's a tricky color to pull off.
- 2:11Speaker 1: So I'm very excited and interested to see how it's styled, and.
- 2:15Speaker 4: Then I'm going to copy that perfect.
- 2:18Speaker 3: Yeah, So start making your pinch resports.
- 2:20Speaker 1: Yeah, that's the new hot tip. Or start looking in
- 2:24Speaker 1: thrift stores and stuff it's on sale.
- 2:26Speaker 4: Pick it up now?
- 2:28Speaker 1: Name man, what's your product? Wreck frending tip?
- 2:32Speaker 3: Damn tip?
- 2:33Speaker 2: Well, my product recommendation is actually inspired by a bunch
- 2:38Speaker 2: of submissions from New Chicks because so often when we
- 2:41Speaker 2: do our online shop with our series on Instagram, a
- 2:44Speaker 2: lot of people are asking for comfy undies. Oh and
- 2:48Speaker 2: I think that my favorite undies.
- 2:51Speaker 3: Brand is Booty.
- 2:53Speaker 2: Ah yes, yeah, like so they're bamboo underwear and they
- 2:58Speaker 2: are so so often comfortable. But also if you're concerned
- 3:02Speaker 2: about wearing synthetic materials in your undies because they're not
- 3:07Speaker 2: as breathable as as polyester, such as polyester, because they're
- 3:11Speaker 2: not as breathable as more natural fibers, then Booty is
- 3:15Speaker 2: definitely my recommendation.
- 3:17Speaker 4: At least they.
- 3:18Speaker 3: Have so many different styles.
- 3:20Speaker 2: They are like I guess, a little bit more expensive,
- 3:23Speaker 2: like it's twenty five dollars for a pair of undies,
- 3:25Speaker 2: but you can save I think it's like twenty five
- 3:28Speaker 2: percent when you buy the packs.
- 3:30Speaker 1: Also you can get the packed save twenty five percent
- 3:32Speaker 1: on the RP, and then they're quite often thirty percent
- 3:36Speaker 1: off on the iconic.
- 3:37Speaker 3: Yeah.
- 3:38Speaker 2: Yeah, so it's definitely worth the investment, I think, especially
- 3:41Speaker 2: for something like undies, which is something that you wear
- 3:43Speaker 2: every single day and comfort is key.
- 3:46Speaker 1: Oh do There's nothing worse than undies that you feel
- 3:49Speaker 1: are like invasive, so you're.
- 3:52Speaker 4: Like no, don't go in there.
- 3:53Speaker 3: Yeah, they're like the sort of undies that you almost
- 3:56Speaker 3: forget that you're even wearing unties. Yes, So there you go, chicks.
- 4:00Speaker 1: And do you know what, though, it's really good to
- 4:02Speaker 1: invest in underwear that isn't going to fall apart after
- 4:05Speaker 1: like seven washes and then you end up looking like
- 4:07Speaker 1: Spider Man when he's started coming apart, because I definitely
- 4:12Speaker 1: have undies like that, and I'm like, I really need.
- 4:14Speaker 3: To throw these.
- 4:15Speaker 2: Yeah, yeah, I actually saw this is like a random tangent.
- 4:19Speaker 2: But at the beginning of the year, when everybody was
- 4:21Speaker 2: sharing like their news resolutions, one chick on TikTok said
- 4:25Speaker 2: that her resolution was to throw away all of her
- 4:28Speaker 2: holy and stretched out undies and replace them with new ones.
- 4:32Speaker 2: And I was like, that's actually a resolution that we
- 4:34Speaker 2: all should have.
- 4:35Speaker 4: Yeah. Do you know what that's one of those products
- 4:36Speaker 4: that you forget to buy during sale events.
- 4:38Speaker 1: Yeah, underwear and socks.
- 4:41Speaker 4: Yeah, I agree, he also does socks.
- 4:44Speaker 1: They're not sponsored, Okay, so they spend and save. Check
- 4:55Speaker 1: this for your twenties. So we've pulled in some submissions
- 4:59Speaker 1: from the chicks as well as some of our own,
- 5:02Speaker 1: and basically these are the things that you spend your money,
- 5:05Speaker 1: your time, or your energy towards and you get more
- 5:10Speaker 1: back than what you.
- 5:11Speaker 4: Put into it. The definition of investing.
- 5:14Speaker 3: Yes, put me on Wall Street, baby.
- 5:16Speaker 4: Not really, I don't really know what I'm doing.
- 5:18Speaker 3: I'm scared looking for a man in finance.
- 5:21Speaker 4: No, that's going to be in my head when I
- 5:24Speaker 4: go on to sleep right now.
- 5:26Speaker 1: Okay, But the first one we have to share is
- 5:28Speaker 1: by far the most popular submission that we've had sent in,
- 5:33Speaker 1: and I don't think it would be a surprise to anyone.
- 5:35Speaker 4: But it is a coffee machine.
- 5:37Speaker 2: Yeah.
- 5:38Speaker 1: I can vouch for this one thousand percent. I've saved
- 5:41Speaker 1: so much money from buying a coffee machine. Do I
- 5:45Speaker 1: use my coffee machine every single day? No, Sometimes I'm
- 5:48Speaker 1: leaving the house and I forget to make a coffee
- 5:50Speaker 1: or whatever, and I'll buy one when i'm out. But
- 5:53Speaker 1: in terms of like making it at home versus getting
- 5:56Speaker 1: one every single day, which I do drink a coffee
- 5:59Speaker 1: every single day, the rewards are literally incredible. Let's say
- 6:06Speaker 1: your coffee machine is eight hundred dollars and you usually
- 6:09Speaker 1: spend five dollars on a coffee, which is actually pretty
- 6:12Speaker 1: rare to get five dollars.
- 6:13Speaker 4: Yea coffee that would be affordable these days.
- 6:16Speaker 3: That's a modest exact.
- 6:17Speaker 1: Yeah. I once made it reel and it was like
- 6:19Speaker 1: five dollar coffee and everyone's like, where the fuck are
- 6:21Speaker 1: you getting five dollars coffee from?
- 6:22Speaker 4: And I was like, fair douce.
- 6:24Speaker 1: But after one hundred and sixty days or just over
- 6:27Speaker 1: five months, your coffee machine would have paid for itself,
- 6:31Speaker 1: and eight hundred dollars is like a big chunk of money. Yeah,
- 6:35Speaker 1: I paid less for mine. I ended up getting a
- 6:38Speaker 1: fourteen hundred dollars to make coffee machine for six ninety
- 6:40Speaker 1: nine because I price matched, and then got it at
- 6:43Speaker 1: David Jones.
- 6:44Speaker 4: Yeah, which was a sleigh.
- 6:46Speaker 1: And it just it's more convenient. It's easy to make
- 6:49Speaker 1: it at home than it is like going out and
- 6:51Speaker 1: getting it. And it's fun to get the beans. Yeah.
- 6:56Speaker 1: Like I've really got into looking at the undertone, the
- 6:59Speaker 1: undernew the Yeah, you learn more about the coffee that
- 7:02Speaker 1: you're drinking.
- 7:02Speaker 2: I saw that somebody sent in maybe like a life
- 7:06Speaker 2: lesson of the week or something, and they were saying
- 7:08Speaker 2: that they use like they're Frank Green or a thermos
- 7:13Speaker 2: or whatever to make their ice coffees at home so
- 7:17Speaker 2: that they're still icy all day and then they don't
- 7:19Speaker 2: go out and buy another one at three pm.
- 7:21Speaker 3: I was like, you're smart.
- 7:23Speaker 2: That is smart, and also you're saving the planet, captain planet,
- 7:27Speaker 2: which we love. Our next one on our Spend and
- 7:30Speaker 2: Save checklist. This was also kind of submitted by the Chicks,
- 7:34Speaker 2: but is also something that I definitely stand by, and
- 7:37Speaker 2: it's pay up front instead of using buy now, pay
- 7:41Speaker 2: later or signing up to a contract if you can.
- 7:46Speaker 3: So almost a third of gen Z.
- 7:49Speaker 2: Australians have buy now pay later debt according to ask
- 7:53Speaker 2: and according to Statista, it sounds like a drag queen, right,
- 7:59Speaker 2: which I'm into.
- 8:00Speaker 4: Welcome to the stage, Statista.
- 8:03Speaker 2: Yeah, but apparently the average by now pay later debt
- 8:07Speaker 2: is twelve hundred dollars.
- 8:08Speaker 3: Well yeah, which is the average. So that's you know,
- 8:14Speaker 3: that's not a.
- 8:15Speaker 1: People that get into hectic amount of debt with after
- 8:17Speaker 1: pay and I can see how it happened.
- 8:20Speaker 2: Yeah, absolutely, And like we've both used it, and we've
- 8:23Speaker 2: used other buy now pay later services before, so we're
- 8:26Speaker 2: not being like Shane, no, no, no, not at all.
- 8:29Speaker 1: Like I was probably the number one ambassave for it.
- 8:33Speaker 4: At one point in time in my life.
- 8:35Speaker 2: Yeah, But I think the thing is is that if
- 8:38Speaker 2: you can't afford to pay for something upfront, and you're
- 8:41Speaker 2: relying on buying now, pay later to enable you to
- 8:44Speaker 2: make that purchase, that could potentially be getting you to
- 8:48Speaker 2: overspend or spend money that you otherwise wouldn't.
- 8:51Speaker 4: It can also encourage just lazy spending.
- 8:54Speaker 1: So we often talk about on the show, like the
- 8:57Speaker 1: twenty four hour rule or the two week rule, that
- 9:00Speaker 1: if you see something and you like it, sit with
- 9:03Speaker 1: it for twenty four hours ideally two weeks, and it
- 9:07Speaker 1: gives you the time to weigh up whether or not
- 9:08Speaker 1: you really need the product versus want the product. Whereas
- 9:11Speaker 1: I found with buy now, pay later services, you already
- 9:16Speaker 1: have your card loaded in there that you kind of
- 9:19Speaker 1: just need to log in, which it's probably got an
- 9:21Speaker 1: automatic log in on, and you just buy in the moment.
- 9:24Speaker 1: Like that ease of the impulse buy is really really simple,
- 9:28Speaker 1: and since like making a resolution to not use them
- 9:33Speaker 1: as much, like maybe during Christmas time, that's when i'd
- 9:37Speaker 1: look at using it potentially. Yeah, when you've got those
- 9:40Speaker 1: like big purchases or big spending months that you've got.
- 9:42Speaker 4: To make.
- 9:44Speaker 1: I've really not been doing that with my impulse shopping
- 9:48Speaker 1: anymore because it stops the lazy spending and the lazy purchasing.
- 9:51Speaker 2: Yeah, and probably by extension, then you're like not just
- 9:56Speaker 2: making these impulse purchases and you're like, Okay, well, if
- 9:59Speaker 2: I can't to pay for it all now, then I'm
- 10:01Speaker 2: not going to get it. And I think a common
- 10:03Speaker 2: piece of advice that people have is if you can't
- 10:06Speaker 2: afford to buy something twice, you can't afford it. So
- 10:09Speaker 2: I think if you can't afford to buy something once,
- 10:12Speaker 2: you definitely can't afford it. Bonus tip as well, which
- 10:17Speaker 2: I sort of mentioned up top, is if you can
- 10:20Speaker 2: pay upfront with contracts and things. So whether that's like
- 10:24Speaker 2: your phone or maybe your insurance, a lot of different
- 10:27Speaker 2: places do give you a discount if you can pay
- 10:31Speaker 2: for something upfront. I know this isn't always the case
- 10:34Speaker 2: because you know, sometimes with the phone or something that's
- 10:36Speaker 2: something that you need and it can be quite expensive.
- 10:39Speaker 2: But if you do have the money, but you're like,
- 10:41Speaker 2: oh no, I won't because you know, I just don't
- 10:43Speaker 2: want to spend all the year.
- 10:45Speaker 1: It's such a mental thing, like you're paying a lot
- 10:48Speaker 1: of money for something that you need.
- 10:51Speaker 4: It is still like.
- 10:53Speaker 1: It's like a phone or a washing machine. Yeah, and
- 10:56Speaker 1: those are the big purchases that you're like, hey, girl,
- 11:00Speaker 1: but I don't want to.
- 11:01Speaker 2: Be yeah, Or like we had an insurance cost with
- 11:04Speaker 2: work and we could save you know, like hundreds of
- 11:08Speaker 2: dollars by paying up front, and I was like, Okay.
- 11:12Speaker 4: Well I'm just going to pay out front.
- 11:13Speaker 2: I don't want to because it's just a boring purchase
- 11:16Speaker 2: and I don't.
- 11:17Speaker 4: Want that car insurance. Yeah.
- 11:20Speaker 3: Yeah, but it can save you money.
- 11:22Speaker 1: So I think it also does come down to where
- 11:25Speaker 1: you are. Like I when I was in my early twenties,
- 11:29Speaker 1: I wasn't able to be making these like big upfront persons.
- 11:32Speaker 1: So it does come down to you know, your financial situation,
- 11:35Speaker 1: and I do think that's where those services can really help.
- 11:39Speaker 4: Or like paying for your.
- 11:40Speaker 1: Current trans monthly, like that's what you have to do.
- 11:43Speaker 1: But as you get older, getting the habit of being
- 11:47Speaker 1: like okay, I.
- 11:48Speaker 3: Can't afford it now, can afford it now?
- 11:50Speaker 2: Or I will make, you know, some changes in my
- 11:52Speaker 2: budget so that I can afford it because it's important.
- 11:55Speaker 2: But yeah, so you're spending more money upfront but you're
- 11:58Speaker 2: saving money over time by either not overspending or maybe
- 12:03Speaker 2: avoiding fees or getting a discount slip.
- 12:08Speaker 1: So the next one is you're spend on books, but
- 12:12Speaker 1: you're saving your money and.
- 12:14Speaker 4: Education love that. So it's actually the Libby App.
- 12:19Speaker 1: I didn't know about this, and I've been giving a
- 12:22Speaker 1: tip that, you know, maybe was costing people more money.
- 12:26Speaker 4: I thought I was saving people money.
- 12:27Speaker 1: But I recently did a comparison between physical books versus kindles. Right,
- 12:34Speaker 1: so invest in a kindle and then the price that
- 12:37Speaker 1: you pay four books to read on your e reader
- 12:39Speaker 1: is significantly less. Yep, I compared I think ten books,
- 12:44Speaker 1: and you ended up saving like one hundred and twenty dollars, yeah,
- 12:47Speaker 1: over the course of the books ten or.
- 12:48Speaker 4: Twelve something like that.
- 12:50Speaker 1: However, what I hadn't heard of was the Libby app.
- 12:54Speaker 1: So the Libby app is a place that you can
- 12:58Speaker 1: literally just get e books for free.
- 13:01Speaker 4: It's like through your library.
- 13:03Speaker 1: And you can download them onto your phone or if
- 13:08Speaker 1: you have an iPad or a Cobo reader. And I
- 13:12Speaker 1: had no idea about this, like i'd seen Cobo readers,
- 13:15Speaker 1: but I've already been given a Kindle like years back
- 13:18Speaker 1: for Christmas, and I really really love it, like I do.
- 13:20Speaker 4: Like a physical book.
- 13:22Speaker 1: Yeah, but I just this is like the most cost
- 13:25Speaker 1: effective way to read books that I have seen, because
- 13:28Speaker 1: it's literally free.
- 13:31Speaker 2: Yeah, and especially if you churned through books, Like it's
- 13:36Speaker 2: so expensive to be buying a new book every other.
- 13:38Speaker 1: Way because they're like thirty four ninety nine, which I'm
- 13:42Speaker 1: more than happy to invest in a good book because
- 13:44Speaker 1: you know, an author has put time into that. I've
- 13:47Speaker 1: really enjoyed it, and I do think the arts is
- 13:50Speaker 1: already underfunded as it is.
- 13:52Speaker 3: Yeah, and as well if you want, like the trophy
- 13:54Speaker 3: on your.
- 13:54Speaker 4: Bookshits up and it has a beautiful.
- 13:56Speaker 2: Cover that like then also acts as like a little
- 13:59Speaker 2: you know, like coffee table.
- 14:00Speaker 1: Yeah. Like I've got my Throne of Glass books that
- 14:03Speaker 1: I read when I was sixteen, and they're tattered, but
- 14:06Speaker 1: I love them and they're very important to me. But
- 14:09Speaker 1: I think, you know, we are on across the living crisis,
- 14:12Speaker 1: and while there is the tip of you could just
- 14:14Speaker 1: go to your library, like obviously, yes, but for me,
- 14:18Speaker 1: I read books too quickly that I finish at like
- 14:22Speaker 1: nine pm and then I'm like, oh, on the next
- 14:23Speaker 1: one now, yeah, or potentially you don't read it within
- 14:26Speaker 1: the timeframe of when you can borrow it, whereas with
- 14:28Speaker 1: this you can. So if you are looking at an
- 14:32Speaker 1: e reader or you want to see whether it's worth
- 14:34Speaker 1: the investment, maybe look at a Cobo and.
- 14:37Speaker 4: The Libby app.
- 14:38Speaker 1: I love when like our audience is like, no, we've
- 14:41Speaker 1: got a better tip.
- 14:42Speaker 4: Yeah, Like that's amazing.
- 14:45Speaker 3: You're a clever bunch of chicks. Yeah, gold staff for
- 14:48Speaker 3: the chick.
- 14:49Speaker 2: Yeah, next one on the spend and save checklist, And
- 14:52Speaker 2: you're spending on repairing your clothes, but you're saving time, money,
- 15:00Speaker 2: and space by extending the life of the items that
- 15:03Speaker 2: you already own, and that's by alterations and repairs.
- 15:08Speaker 3: So I feel like this is like a lost art.
- 15:10Speaker 2: I think it's something that our parents like definitely did,
- 15:13Speaker 2: but it's not something that like really many of my
- 15:17Speaker 2: friends do or even I would have.
- 15:19Speaker 3: Done, especially in my early twenties.
- 15:22Speaker 2: But clothing alterations typically cost between ten dollars to eighty
- 15:26Speaker 2: five dollars depending on the service. Obviously this is going
- 15:29Speaker 2: to vary, but that was just like an average that
- 15:30Speaker 2: I found.
- 15:31Speaker 3: And then shoe repair can cost between twenty and one
- 15:34Speaker 3: hundred and.
- 15:35Speaker 2: Twenty dollars depending on the service. Again, this is a
- 15:38Speaker 2: lot cheaper and more sustainable than buying something brand new.
- 15:44Speaker 3: You could get it repaired.
- 15:46Speaker 1: And I think as well, such a common thing that
- 15:50Speaker 1: a lot of us face when shopping is the inconsistency
- 15:53Speaker 1: with in sizing. Yeah, because I'm sure there's measurements on
- 15:56Speaker 1: a site, but the amount of times that the measurements
- 15:58Speaker 1: don't match across items within the same store. You go
- 16:03Speaker 1: into one store and try three different style of jeens
- 16:06Speaker 1: and the sizing is different. You like an eight and
- 16:09Speaker 1: one twelve and the other end of fourteen and the
- 16:11Speaker 1: other one, and it doesn't make sense. Getting your clothes
- 16:13Speaker 1: tailored means that your clothes are fitting you.
- 16:16Speaker 4: You're not fitting your.
- 16:17Speaker 1: Clothes, which is exactly how it's meant to be.
- 16:20Speaker 2: Yeah. And also then you can give certain items like
- 16:24Speaker 2: a new lease on life. Yeah you will, Like, for example,
- 16:27Speaker 2: I had this dress that was a MIDI and you know,
- 16:31Speaker 2: MAXI is a more in at the moment, like MAXI is,
- 16:34Speaker 2: a mini is a more in now where I say,
- 16:36Speaker 2: like six years ago, Midi's were all the rage, and.
- 16:40Speaker 1: So I haven't been wearing I would love if a
- 16:42Speaker 1: man started listening to this conversation right now, like this
- 16:45Speaker 1: is so dumb is going No, he'd have no idea
- 16:49Speaker 1: Maxi's we're in and many meetings were in now, but
- 16:51Speaker 1: you know back then midi and he'd be like, what
- 16:53Speaker 1: the like pipes.
- 16:57Speaker 3: I'm like, everybody knows it's schooners all age now.
- 17:02Speaker 2: But so I had this dress that was a midi
- 17:04Speaker 2: and I was like, well why and I hadn't worn
- 17:07Speaker 2: it in ages and it was a beautiful, like silk
- 17:10Speaker 2: laundry dress, which I did get cheaper because I bought
- 17:12Speaker 2: it secondhand. But then I got it altered into a
- 17:16Speaker 2: mini because I'm like, now I can actually wear it,
- 17:18Speaker 2: so you can, even though the dress still fit me technically,
- 17:21Speaker 2: but I just wasn't into the midia.
- 17:23Speaker 4: Can't wear that soon play I really want to see it.
- 17:26Speaker 3: But yeah, I'm like, that's like such an easy hack.
- 17:29Speaker 2: I also had this pair of like two hundred dollars
- 17:31Speaker 2: leather boots and the heel and soul just wore away,
- 17:35Speaker 2: and then I took them to miss a minute and
- 17:38Speaker 2: got the heel replaced for I think forty or fifty dollars,
- 17:43Speaker 2: And otherwise I would have thrown those shoes away because
- 17:45Speaker 2: I couldn't wear them like they had no support.
- 17:47Speaker 3: I was slipping around the joint.
- 17:49Speaker 2: And I think it's been like maybe two years since
- 17:52Speaker 2: I got them repaired and I've had no issues.
- 17:54Speaker 4: Oh my gosh. Yeah, that's good. I love that.
- 17:59Speaker 1: My next spend is Jupes and drugstore makeup to save
- 18:04Speaker 1: on money.
- 18:07Speaker 4: I love a high end product as much as the
- 18:10Speaker 4: next person.
- 18:11Speaker 1: I love a bougie makeup product, but this is not
- 18:15Speaker 1: the priority in terms of spending, especially in a cost
- 18:18Speaker 1: of living crisis. And doing this job has just shown
- 18:23Speaker 1: me how many amazing like drug store and Jupe products
- 18:30Speaker 1: there are available that you don't.
- 18:33Speaker 4: Have to be buying the high end products. Like, yes,
- 18:36Speaker 4: there are some high end products that I'm like, this
- 18:38Speaker 4: is so beautiful and amazing and I love it.
- 18:40Speaker 1: But when I was like in UNI and in my
- 18:44Speaker 1: first job, trying to pay rent for the first time
- 18:47Speaker 1: that I moved out, this is not a necessity.
- 18:49Speaker 4: This is not something we need.
- 18:51Speaker 1: And I think it's nice to have that reminder because
- 18:55Speaker 1: we do see so much on YouTube and TikTok and
- 19:00Speaker 1: Instagram of trying products and there is a lot about,
- 19:02Speaker 1: you know, more affordable products, but we do see this
- 19:06Speaker 1: even quicker consumer wheel of beauty that it's really hard
- 19:11Speaker 1: to keep up and it's really and I even noticed
- 19:14Speaker 1: it in myself that I was like, why do I
- 19:16Speaker 1: have three foundations right now?
- 19:18Speaker 4: Why do I have three? Like I don't need three foundations?
- 19:20Speaker 4: But it's because you just get caught up in it.
- 19:22Speaker 4: I'm like, oh, I want that.
- 19:25Speaker 1: And it's like at the end of the day, though,
- 19:27Speaker 1: when you're navigating early adulthood or whatever age you are,
- 19:34Speaker 1: you don't need to buy the expensive thing. And I
- 19:37Speaker 1: really look back and I regret how much I spent
- 19:42Speaker 1: in my early twenties on expensive makeup that I barely
- 19:46Speaker 1: even used.
- 19:47Speaker 4: Like I almost show my age right now. But Kylie
- 19:51Speaker 4: lip Kits.
- 19:52Speaker 1: I spent so much money on Kylie lip Kits. Whenever
- 19:57Speaker 1: there was some YouTuber dropping the line, like with makeup,
- 20:01Speaker 1: I was buying all of it. Like it was this
- 20:04Speaker 1: thing of I wanted my bathroom to look like the
- 20:06Speaker 1: Pinterest boards of like the acrylic draws, like filled with lipsticks.
- 20:13Speaker 1: And I wanted that, but like I was working part
- 20:17Speaker 1: time earning like fifteen dollars an hour, like I could
- 20:22Speaker 1: not afford that, But that's what I was spending all
- 20:24Speaker 1: of my money on I wasn't saving, and it's just
- 20:28Speaker 1: definitely I look back and I'm.
- 20:30Speaker 4: Like, fuck, you spend a lot of money.
- 20:32Speaker 1: And like when I went the first time I ever
- 20:33Speaker 1: went to America, I spent so much money on makeup just.
- 20:38Speaker 3: Because, yeah, just because she could.
- 20:40Speaker 1: Yeah.
- 20:40Speaker 3: Yeah.
- 20:40Speaker 2: And you're like, but I can't get this brand in Australia,
- 20:43Speaker 2: and it's like, yeah, but you probably could get a brand.
- 20:45Speaker 3: That works just as well here.
- 20:46Speaker 4: Really, but I was buying brands that I could get.
- 20:49Speaker 1: I was buying brands because I could, just because you
- 20:50Speaker 1: wanted to, Yeah, just because I wanted to buy the
- 20:53Speaker 1: expensive product for the sake of buying the expensive product.
- 20:56Speaker 1: Whereas now there are so many things.
- 20:58Speaker 4: In my makeup bag I buy over.
- 21:01Speaker 1: The expensive product because I like the dupe or the
- 21:05Speaker 1: drug store brain more. And it's stepping away from that
- 21:07Speaker 1: mentality that more expensive equals better.
- 21:10Speaker 4: More expensive does not equal better.
- 21:12Speaker 1: Often sometimes it equals worse because you're not getting the
- 21:15Speaker 1: bank for your buck that you could with a more
- 21:17Speaker 1: affordable product.
- 21:18Speaker 2: Yeah.
- 21:19Speaker 4: So sorry, that was really really passionate.
- 21:22Speaker 1: I liked it.
- 21:23Speaker 4: I was like, oh, Jesus.
- 21:25Speaker 1: Co lip Kits sent me fucking poor man, Like I
- 21:29Speaker 1: spent so much money on the Kylie lip kits, on
- 21:32Speaker 1: the Jacqueline Hill Morphy palate, which like also weren't as
- 21:37Speaker 1: expensive as like fucking ysl and whatever, which people which
- 21:42Speaker 1: like teens are buying now, Like, how are teens affording
- 21:45Speaker 1: drunk elephant?
- 21:46Speaker 3: I don't know, I don't know.
- 21:48Speaker 4: I'd like to be in their family.
- 21:50Speaker 3: Don't me?
- 21:51Speaker 4: Yeah, choose me, picked me, love me.
- 21:55Speaker 1: But this was actually sent in buy one of the
- 21:58Speaker 1: chicks as well, because she said MC beauty versus Mecha
- 22:01Speaker 1: equals Dupe Central plus click Frenzy equals whole Charlotte tilbry
- 22:06Speaker 1: Line for eighty dollars. Obviously, everyone feels however they do
- 22:11Speaker 1: about dupes. You can shop within your values. We're not gonna,
- 22:13Speaker 1: you know, tell people what they can and can't do.
- 22:16Speaker 1: But if you're comfortable shopping dupes, and dupes are a
- 22:21Speaker 1: sticky thing that it's like sometimes it is plainly just
- 22:25Speaker 1: a product that's a more affordable version, and sometimes it
- 22:28Speaker 1: is like a pretty close droop. Yeah, the people can
- 22:30Speaker 1: shop however they feel, but you don't have to buy
- 22:33Speaker 1: the more expensive option just because it's there.
- 22:35Speaker 4: Yeah, that's it.
- 22:39Speaker 1: Okay, moving on to my next spend and save, and
- 22:44Speaker 1: probably one of the most important spend and saves of
- 22:46Speaker 1: your twenties is spend your relationships save your time. So
- 22:54Speaker 1: start looking at your relationships, whether it's romantic friendships familiar
- 23:00Speaker 1: as the ultimate investment, which is time. Because time is
- 23:05Speaker 1: not currency. Time you can't get a.
- 23:07Speaker 4: Return on if it's faulty.
- 23:09Speaker 1: I wish I could get a return on some of
- 23:11Speaker 1: my faulty na that I've been on. That'd be great. Carey,
- 23:16Speaker 1: this X sucks is faulty?
- 23:18Speaker 4: Can I get a return? Have you given me her
- 23:20Speaker 4: time back?
- 23:22Speaker 1: I'm I love that Mariah Carey sued someone for wasting
- 23:26Speaker 1: her time too and one yeah, but unfortunately we're not all.
- 23:32Speaker 1: We can't all be Mariah Carey, and I think we
- 23:36Speaker 1: do need to be way more picky with where we're
- 23:39Speaker 1: spending our time because I think if you look back
- 23:43Speaker 1: on it, everything moves really really quickly, Like how quickly
- 23:47Speaker 1: did your twenties go?
- 23:48Speaker 4: It's gone, it's done, it's day, but it just it
- 23:53Speaker 4: does go on. I know that we sound like our
- 23:54Speaker 4: dad's being like okay, good fine, do yeh done.
- 23:58Speaker 1: It's so quick, But it's actually scientifically proven that as
- 24:00Speaker 1: you get older, time moves quicker, time feels quicker, and
- 24:04Speaker 1: if you're spending time with people that aren't a good investment,
- 24:08Speaker 1: you're losing that investment. You're losing the time that you
- 24:12Speaker 1: could be spending one with yourself, which is like the
- 24:16Speaker 1: best relationship you could have ever.
- 24:19Speaker 4: And two with people that are meant to be your people.
- 24:22Speaker 1: So if there's anything that you take away from this,
- 24:24Speaker 1: it's one you shot back. It's stop investing your time,
- 24:31Speaker 1: which is the most valuable form of currency into dead
- 24:34Speaker 1: beat dogs, dogs beat Dogskay.
- 24:40Speaker 4: That goes for everyone.
- 24:43Speaker 3: It is.
- 24:43Speaker 1: It is I don't want your shitty friends, your shitty boyfriends,
- 24:47Speaker 1: or your shitty workers wasting your time.
- 24:52Speaker 4: And that's the yes, Oh my god, really came back.
- 25:00Speaker 3: But she did. I love it. I love when she
- 25:03Speaker 3: shows herself through you.
- 25:05Speaker 4: There's like this way that I laugh at the moment.
- 25:07Speaker 1: It's been like this fucking whistle node.
- 25:10Speaker 3: Keep an eye out for it.
- 25:11Speaker 4: Sometimes. It was.
- 25:12Speaker 1: It was very present during the Jimmy and Eighth episode.
- 25:16Speaker 2: My last tip on the Spend and Save checklist is
- 25:22Speaker 2: memberships that make sense for you because you're spending money
- 25:27Speaker 2: on membership fees, but you're saving money on regular expenses.
- 25:32Speaker 3: And money you were already going to spend.
- 25:35Speaker 2: Again, the emphasis is on memberships that make sense for you,
- 25:40Speaker 2: not every single membership is going to make sense for you.
- 25:43Speaker 4: One more time.
- 25:45Speaker 2: More dam.
- 25:48Speaker 4: We're going to celebrate. We're really good at singing.
- 25:54Speaker 3: Yeah, we sound great.
- 25:55Speaker 2: So a couple of these were sent in from the Chicks,
- 25:59Speaker 2: and then one of them is one that I've recently
- 26:01Speaker 2: started using. But the first one that was sent in
- 26:05Speaker 2: from the Chicks is the Jetstar Club, which is sixty
- 26:09Speaker 2: five dollars for the first year, but you get early
- 26:12Speaker 2: access to sales, member only discounts on fares, and then
- 26:16Speaker 2: also twenty percent off baggage and seats. So if you
- 26:20Speaker 2: are flying regularly with one airline, it could make sense
- 26:25Speaker 2: for you to join up to their loyalty program or
- 26:29Speaker 2: their membership program and pay that upfront fee if you're
- 26:32Speaker 2: flying with them enough that then you can get the
- 26:35Speaker 2: savings in the long run.
- 26:36Speaker 4: Yeah.
- 26:37Speaker 1: And that chick submission said she paid the membership which
- 26:40Speaker 1: was sixty dollars sixty sixty five years and saved two
- 26:43Speaker 1: hundred dollars in a year.
- 26:44Speaker 2: Yeah, So like if she was already going to be
- 26:47Speaker 2: flying with Jetstar, it's just a no brainer for her.
- 26:50Speaker 2: Another one was Adares linen Lovers, and this was one
- 26:54Speaker 2: that was sent in by the Chicks. We have worked
- 26:57Speaker 2: with both Adares and Jetstar, but these are genuine submissions
- 27:00Speaker 2: from the Chicks. And the linen Lovers membership is nineteen
- 27:04Speaker 2: dollars and ninety five cents for a two year membership,
- 27:07Speaker 2: but on average the members saved two hundred and forty
- 27:10Speaker 2: dollars per year. So good, yeah, because you save ten
- 27:13Speaker 2: percent all the time. But then you also get access
- 27:16Speaker 2: to sales with up to forty percent off throughout the year,
- 27:20Speaker 2: and they have free shipping. So for example, if you're
- 27:23Speaker 2: going to be moving out, or you know that you
- 27:27Speaker 2: want to give like a lot of your homewares a refresh,
- 27:30Speaker 2: you want to imp Christmas Christmas like, you know that
- 27:33Speaker 2: you have these big expenses coming up, signing up to
- 27:37Speaker 2: something like linen Lovers could definitely save you money. And
- 27:40Speaker 2: then one that I've recently signed up to is Uber One.
- 27:45Speaker 2: I don't have a car, okay, so I'm always catching
- 27:48Speaker 2: public transport, but for a lot of the things that
- 27:50Speaker 2: we do for work, I can't get public transport there.
- 27:53Speaker 2: It's not near anywhere with public transport and I do
- 27:57Speaker 2: use Uber a lot. Although I have cut back in
- 28:01Speaker 2: the last year, I still use it a lot. And
- 28:04Speaker 2: they had a promo where I could use Uber one
- 28:06Speaker 2: like for free for a month or something, and already
- 28:09Speaker 2: I've saved forty five dollars in the last month because
- 28:12Speaker 2: you get like a five percent Uber credit and discounted
- 28:15Speaker 2: fares and zero dollar delivery fee and blah blah. It's
- 28:18Speaker 2: not an ad for Uber, but this is just an example
- 28:20Speaker 2: of where paying the monthly fee made sense for me personally,
- 28:25Speaker 2: because I have to use Uber a lot because my
- 28:28Speaker 2: apartment only has one car space, so I don't have
- 28:31Speaker 2: a car. Like, as soon as I move somewhere else
- 28:34Speaker 2: and I buy a car, I'm not.
- 28:36Speaker 3: Going to be paying for this anymore. But that's the point.
- 28:40Speaker 2: It's making use of memberships that make sense for you,
- 28:43Speaker 2: and also knowing that you can unsubscribe from them.
- 28:46Speaker 3: I think yeah.
- 28:47Speaker 1: And I think it's also remembering that you can unsubscribe
- 28:49Speaker 1: from them. Yeap, all right, last one and definitely one
- 28:54Speaker 1: of the most important ones.
- 28:55Speaker 4: All of these are very important, though I'm going.
- 28:57Speaker 1: To say we've got a good list here, But the
- 29:00Speaker 1: spend is your health and the save is like literally everything,
- 29:05Speaker 1: because you're a life like and any investment in your
- 29:09Speaker 1: health is never going to be about investment. Your body
- 29:12Speaker 1: is literally the one thing getting you through life. That
- 29:17Speaker 1: investing in that and ensuring that your health and your
- 29:19Speaker 1: happiness and all of that is looked after and taken
- 29:23Speaker 1: care of again is never going to be bad. And
- 29:25Speaker 1: that was a very common thread through our submissions.
- 29:30Speaker 4: Was laser eye surgery.
- 29:32Speaker 1: Boring but true, was the direct quote contraception important health insurance.
- 29:38Speaker 1: Recently got health insurance this year and I can say
- 29:40Speaker 1: that it has been really really nice to have, like
- 29:44Speaker 1: not having to worry about, you know, the price when
- 29:48Speaker 1: I'm going to go to the dentists.
- 29:49Speaker 3: The peace of.
- 29:49Speaker 1: Mind has been a really good peace of mind especially.
- 29:53Speaker 1: But the best investment as well, and sometimes the one
- 29:57Speaker 1: that we can forget about, is investing in your mental
- 29:59Speaker 1: health health. And unfortunately it is really expensive and there isn't,
- 30:06Speaker 1: you know, a lot of access to mental health support.
- 30:10Speaker 1: I know that there's going to be more coming with
- 30:12Speaker 1: the new budget in Australia. That's kind of like a
- 30:15Speaker 1: lower tier that you don't have to go to your
- 30:17Speaker 1: GP and you can access this for I think the
- 30:20Speaker 1: quote was like more mild mental health.
- 30:23Speaker 4: Necessities, which is really great to see.
- 30:26Speaker 1: I'm not sure what that's going to look like, but
- 30:29Speaker 1: it does provide a little bit more support, which I
- 30:32Speaker 1: think everyone should have access to step in the right direction. However,
- 30:36Speaker 1: one thing that people might not know that they have
- 30:39Speaker 1: is free therapy through work.
- 30:41Speaker 4: So some workplaces work.
- 30:43Speaker 1: With EAP, which is Employment Assistance Program, and you can
- 30:47Speaker 1: get access to free therapy sessions through your place of work.
- 30:52Speaker 1: Your work isn't told about what you discuss in your
- 30:54Speaker 1: therapy session, it doesn't get reported back, it's completely confidential.
- 30:58Speaker 1: It is purely access mental health support that your work
- 31:03Speaker 1: provides for you, which I feel like a lot of
- 31:05Speaker 1: people some of their mental health will be coming from
- 31:08Speaker 1: their work, so they should at least chip in for it.
- 31:11Speaker 4: What shame change change.
- 31:14Speaker 1: So if your work does have EAP, definitely sign up
- 31:17Speaker 1: to it. If it doesn't reach out to your HR,
- 31:21Speaker 1: maybe get a few people on a petition first, be
- 31:24Speaker 1: like we'd like to have this and and yeah, I
- 31:28Speaker 1: just think and as well, you can always go talk
- 31:30Speaker 1: to your GP. Hopefully they're bulk builled barely in the
- 31:33Speaker 1: r these days. But there are also mental health plans
- 31:37Speaker 1: that you can be put on to get a subsidy
- 31:39Speaker 1: back from Medicare. However, I will say that a lot
- 31:41Speaker 1: of the time the end price tag is still quite expensive.
- 31:46Speaker 1: But like I paid, I would say, like thousands for
- 31:51Speaker 1: therapy when I was like going through a really hard
- 31:54Speaker 1: time and that was priceless.
- 31:57Speaker 4: I would pay that money, like over and over again.
- 32:01Speaker 2: Yeah. I was going to say, like, while it is
- 32:04Speaker 2: really disappointing that it is so difficult to access and
- 32:08Speaker 2: also very expensive, Like you should prioritize your mental health
- 32:14Speaker 2: over and your health over anything. Yeah, so if you
- 32:18Speaker 2: can shift them things around in your budget, unsubscribe from
- 32:21Speaker 2: a few different things. Yea, but whatever that is, like
- 32:25Speaker 2: that's the most important thing.
- 32:27Speaker 3: Okay, okay, should we move on to advice with the chip?
- 32:29Speaker 4: Let's do it.
- 32:41Speaker 2: No, you're in trouble lady, all right, little miss.
- 32:45Speaker 3: Should I read this out?
- 32:46Speaker 4: No, I'm reading it.
- 32:47Speaker 3: Gonna have trauma flesh. I'm reading it all right, I'll
- 32:50Speaker 3: sit back.
- 32:50Speaker 1: You're in trouble, young lady. I've been hooking up with
- 32:55Speaker 1: my coworker for eight months now, on and off.
- 32:58Speaker 4: Have I taught you? And it's just a casual thing. Again,
- 33:02Speaker 4: Never I tell you nothing, and I don't mind that.
- 33:04Speaker 4: What bugs me a lot is our cycle of hooking up.
- 33:07Speaker 1: So it starts with daily hour long phone calls for
- 33:10Speaker 1: a week or two before we hook up. There's no
- 33:12Speaker 1: calls for the next week or two, just seeing each
- 33:14Speaker 1: other at work, then again long ass phone calls.
- 33:17Speaker 4: And on and on.
- 33:18Speaker 1: A guess I'm not sure how to navigate this, and
- 33:20Speaker 1: I don't want to end it. It's way too convenient
- 33:23Speaker 1: for both of us. Our vibes match great in bed. Also,
- 33:25Speaker 1: I fear I may be more attracted to him than
- 33:27Speaker 1: he is to me. Colleagues, it doesn't work. I know
- 33:36Speaker 1: there's people that they're like, oh, married mine, we've been
- 33:38Speaker 1: married for forty years and we've got seventy two children.
- 33:40Speaker 4: That's amazing.
- 33:41Speaker 1: But immediately one, I love you and I'm sorry this
- 33:45Speaker 1: is such tough love. But immediately everything is on their terms,
- 33:50Speaker 1: like on the other person's terms, but they are deciding
- 33:54Speaker 1: the entire trajectory of that relationship.
- 33:57Speaker 4: Of yep we're on, yep we're off, and they.
- 33:59Speaker 1: Being like, oh, I'm horny, I'll call you.
- 34:01Speaker 4: For an hour.
- 34:02Speaker 2: Yeah, exactly, like you're just waiting at their beck and call.
- 34:06Speaker 2: Part of me wants to be like, well, why don't
- 34:08Speaker 2: you take the reins and start reaching out to them
- 34:11Speaker 2: if you want to hook up with them and you
- 34:13Speaker 2: don't want to be ahead on their terms.
- 34:16Speaker 3: But but that would be like my first piece of advice.
- 34:19Speaker 3: But then I take it back because you just should
- 34:22Speaker 3: end it because.
- 34:23Speaker 1: Your time, because I know that we say this all
- 34:27Speaker 1: the time, but if they wanted to, they would, And like.
- 34:32Speaker 4: I'm going into everything I believe in.
- 34:33Speaker 1: Here as someone who dated a colleague for three years,
- 34:41Speaker 1: it's not all bad. Okay, it's not all bad, but
- 34:45Speaker 1: the clusterfuck at the end is what's bad. Like that's
- 34:47Speaker 1: why you know I have such a thing against it,
- 34:51Speaker 1: because I'm yet to meet anyone that has had sex
- 34:55Speaker 1: or dated a colleague and didn't regret it. But it's
- 34:59Speaker 1: not all bad because when you do like someone and
- 35:02Speaker 1: they like you, it is fun, it is nice, it
- 35:05Speaker 1: is really amazing, and it is really flirty.
- 35:07Speaker 4: But they have to like you.
- 35:09Speaker 1: They have to make you feel special, they have to
- 35:11Speaker 1: put the time investment into you, and this person is
- 35:14Speaker 1: not doing that, and you deserve so so so much more.
- 35:17Speaker 1: I also can't think of anything worse than being on
- 35:19Speaker 1: the phone for an hour. But yeah, weird, Like, I
- 35:23Speaker 1: just think this one week on, two weeks off for
- 35:26Speaker 1: eight months is exhausting.
- 35:29Speaker 2: And also if you are just looking for somebody to
- 35:32Speaker 2: sleep with, which you've said, like it's just a casual
- 35:35Speaker 2: thing and you don't mind, you can find that elsewhere
- 35:39Speaker 2: with somebody who is not on the payroll, no, yeah,
- 35:44Speaker 2: because it just complicates things for no reason. Whereas if
- 35:48Speaker 2: this was somebody else who you'd met on a night
- 35:50Speaker 2: out or in a dating app and they were playing
- 35:52Speaker 2: you hot and cold like this, you probably would be like, oh, well,
- 35:54Speaker 2: fuck it, I'm just gonna like move on, yeah and
- 35:57Speaker 2: find someone else. But because you still work with them,
- 36:00Speaker 2: that's what is keeping you holding on to this crumb.
- 36:03Speaker 1: Like you should feel like a god, and the fact
- 36:06Speaker 1: that you've said, I think I'm more attracted to him
- 36:09Speaker 1: than he is to me.
- 36:12Speaker 4: Get out of there.
- 36:13Speaker 1: I want you to feel like when you're taking your
- 36:16Speaker 1: clothes off, that you are with yet a mere mortal
- 36:20Speaker 1: and you were a god walking on men, Like that's
- 36:24Speaker 1: what you deserve. You deserve someone who is going to
- 36:27Speaker 1: be at your beck and call.
- 36:28Speaker 4: And you're going to be at their because it's going
- 36:29Speaker 4: to be a mutual thing and.
- 36:31Speaker 3: You both worship each other.
- 36:32Speaker 4: Yeah, that's mutual worship.
- 36:35Speaker 1: That's what we want from a relationship and you're not
- 36:37Speaker 1: getting that.
- 36:38Speaker 4: And I know that, like you don't want anything.
- 36:41Speaker 1: Serious, but you're probably a little bit more invested than
- 36:44Speaker 1: you realize you are if you.
- 36:46Speaker 4: Couldn't end it easily.
- 36:48Speaker 1: Yeah, sorry, that was really aggressive, but we just want
- 36:53Speaker 1: about this topic. I love that you still send in
- 36:57Speaker 1: when you are dating someone through work though, because it's
- 37:00Speaker 1: so fun to get aarked up about it, and that
- 37:03Speaker 1: you still trust us to give you advice on it.
- 37:06Speaker 4: But thank you so much.
- 37:08Speaker 3: But enough.
- 37:10Speaker 1: Yeah, I'm going to report him to h work. I'm
- 37:15Speaker 1: going to say he doesn't treat my girl like she
- 37:17Speaker 1: deserves to be treated.
- 37:19Speaker 3: Fight him perfect.
- 37:22Speaker 1: I'm going to actually misdoubt fire myself as HR and
- 37:26Speaker 1: do it myself. HR will be like tied up in
- 37:28Speaker 1: the broom close and.
- 37:28Speaker 2: Be like.
- 37:30Speaker 3: Perfect.
- 37:31Speaker 4: Well that's what we end the episode.
- 37:33Speaker 3: Well, thanks to you, chicks, we're having us in the hells.
- 37:36Speaker 4: We love to be here.
- 37:38Speaker 3: Love you seem like a real wolf.
- 37:40Speaker 2: Bye chicks, Bye chicks, Love your