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Transcript

Cost Of Living-Core · She's On The Money

• 0:00
  Speaker 1: Hello.
• 0:01
  Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
• 0:05
  Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 2: get started on She's on the Money podcast, I would
• 0:11
  Speaker 2: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 2: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 2: the elders, the ancestors and the next generation coming through
• 0:23
  Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 2: the storytelling of you to make a difference for today
• 0:31
  Speaker 2: and lasting impact for tomorrow.
• 0:33
  Speaker 1: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the pod
• 1:00
  Speaker 4: cast for millennials who want financial freedom. My name is
• 1:02
  Speaker 4: Beckside and we are with Victoria Divine today.
• 1:06
  Speaker 1: Hello, my friend, what a surprise. Fancy seeing you here.
• 1:10
  Speaker 1: I know what are you doing here? Oh my gosh,
• 1:11
  Speaker 1: I don't even know. I still don't know why you've
• 1:13
  Speaker 1: let me on. More than it's like, how many episodes
• 1:16
  Speaker 1: have we got? Now? Fair for you? I'm very generous, Yeah,
• 1:18
  Speaker 1: like plus two hundred and fifty. That's a lot of
• 1:21
  Speaker 1: ours in this studio. Guys, I tell you what you'll
• 1:23
  Speaker 1: want the nice Oh, I'm going to be yeated you
• 1:26
  Speaker 1: are very soon.
• 1:27
  Speaker 4: But today we're talking about the cost of living, which
• 1:29
  Speaker 4: which can get heated.
• 1:31
  Speaker 1: Which can get yeated?
• 1:31
  Speaker 4: Absolutely basically, no matter what you are feeling at the moment,
• 1:35
  Speaker 4: the pinch of soaring costs of groceries and utilities and
• 1:38
  Speaker 4: interest rates is quite heavy, and I feel like that's
• 1:41
  Speaker 4: definitely going to weigh in a lot of people. It's
• 1:43
  Speaker 4: pretty overwhelming actually, to be honest, it's a lot.
• 1:46
  Speaker 1: At the moment, you and I were talking, and I
• 1:47
  Speaker 1: feel like we should have had this conversation in front
• 1:51
  Speaker 1: of the mics as opposed to off Michael. We're just like,
• 1:53
  Speaker 1: how overwhelming is it at the moment? Like I feel
• 1:55
  Speaker 1: like everybody is so conscious of what they're spending, but
• 1:58
  Speaker 1: nobody's really talking about it, Like the media is talking
• 2:01
  Speaker 1: about it, and everybody is kind of aware of it.
• 2:04
  Speaker 1: We know things are getting more expensive, but I just
• 2:06
  Speaker 1: feel like we need to be even more aware of
• 2:08
  Speaker 1: it so that we make our friends and our family
• 2:10
  Speaker 1: more comfortable and even ourselves more comfortable. As you know,
• 2:13
  Speaker 1: I love to talk about TikTok because I basically live
• 2:16
  Speaker 1: on TikTok. But Beck, have you heard of cottage core?
• 2:19
  Speaker 1: It sounds familiar, but I don't think I know I've
• 2:21
  Speaker 1: mentioned it before. Jess and I have actually been on
• 2:23
  Speaker 1: the side of TikTok that is like this cottage core vibe,
• 2:27
  Speaker 1: and it's just like embracing a particular like style or
• 2:30
  Speaker 1: like theme. So recently, barbiecore, as you guys probably already know,
• 2:35
  Speaker 1: I had a Barbie themed birthday party and it was
• 2:37
  Speaker 1: the best thing in the entire world, very fun, It
• 2:40
  Speaker 1: was a very good time. But that would be like
• 2:42
  Speaker 1: a Barbie Core party because absolutely everything was Barbie. H
• 2:45
  Speaker 1: I have an idea go on cost of living core.
• 2:49
  Speaker 1: Oh okay, like, let's make it a theme where it
• 2:53
  Speaker 1: becomes attractive to be frugal. Is that a thing like
• 2:56
  Speaker 1: where we could just be, you know how like barbiecore?
• 2:58
  Speaker 1: Barbie a few years ago people would have been like, Victoria,
• 3:01
  Speaker 1: such a loser, why are you having a Barbie party?
• 3:03
  Speaker 1: And then I plan a Barbie party because I am
• 3:05
  Speaker 1: a loser and I was happy to embrace it. And
• 3:08
  Speaker 1: then Warner Brothers is like, oh, by the way, we're
• 3:09
  Speaker 1: doing a movie. I'm like, oh cool, So you're gonna
• 3:11
  Speaker 1: make me look good, but I thought I was cool
• 3:13
  Speaker 1: by myself, you know, right, right right. So now we're
• 3:16
  Speaker 1: going to try and do cost of living core because
• 3:18
  Speaker 1: I think it's something that we absolutely should be embracing,
• 3:20
  Speaker 1: and I think it's something that our community we're already
• 3:23
  Speaker 1: pretty familiar with it because like we're good at saving
• 3:25
  Speaker 1: a dollar, Like every single week we do our money
• 3:28
  Speaker 1: win thread in our Facebook group and it's my favorite
• 3:30
  Speaker 1: thread to read through because you guys are wizards. Yeah,
• 3:32
  Speaker 1: do you know how many posts over the last few
• 3:34
  Speaker 1: weeks I've seen of people making my muffins? Oh, like
• 3:37
  Speaker 1: my really cheap. I think it's like two dollars thirty
• 3:40
  Speaker 1: or something for the entire batch of twelve muffets. Money wean, Yeah,
• 3:43
  Speaker 1: how are they coming out? They're coming out great. A
• 3:44
  Speaker 1: few people are saying, oh, this didn't work, they were terrible.
• 3:47
  Speaker 1: I'm like, what did you do? Yeah? What did you do?
• 3:49
  Speaker 1: Because I'm not amazing in the kitchen, and the recipe
• 3:53
  Speaker 1: is really straightforward. It's one packet of cake mix, one
• 3:58
  Speaker 1: standard sized tin of fruit mix, bake like, there's not
• 4:01
  Speaker 1: a lot. I really need to know what you guys
• 4:03
  Speaker 1: are doing for it to be messed up. So badly.
• 4:05
  Speaker 1: I mean, I'm not throwing shade, just genuinely confused about
• 4:10
  Speaker 1: how a too ingredient recipe is going so far off track.
• 4:13
  Speaker 1: No Tino shade, Yeah, no tin, no shade. But I
• 4:16
  Speaker 1: think that our community is very familiar with this topic
• 4:18
  Speaker 1: of cost of living core, but we're now making it
• 4:21
  Speaker 1: like a vibe and we're all going to be getting
• 4:23
  Speaker 1: in on this so that we can save money. But
• 4:25
  Speaker 1: also I think we need to address the anxiety side
• 4:28
  Speaker 1: of this, the anxiety in the room. It's hard, right, Like, Beck,
• 4:32
  Speaker 1: you and I were talking before, and obviously you love
• 4:35
  Speaker 1: a broke tip, but we're talking before about that underlying
• 4:38
  Speaker 1: feeling of going out for dinner with friends and you've
• 4:41
  Speaker 1: budgeted for it, right, Like, you go out for dinner,
• 4:43
  Speaker 1: like as we were talking, sometimes if you've really budgeted,
• 4:46
  Speaker 1: you just pick like an entree and then you've budgeted
• 4:49
  Speaker 1: for maybe one drink and then people are like, oh, Beck,
• 4:51
  Speaker 1: do you want another drink? And you say no because
• 4:53
  Speaker 1: you're like, oh no, thanks, like that's all good. Everyone
• 4:56
  Speaker 1: around you orders another round and you're like, are we
• 4:58
  Speaker 1: splitting this? I've ordered one, like I don't know, Like,
• 5:01
  Speaker 1: is this now going to be split? Evenly and I
• 5:04
  Speaker 1: only had one drink and one on tray, Like where
• 5:06
  Speaker 1: is this going? Like it actually reminds me of when
• 5:09
  Speaker 1: I had a lot less money, And I feel very
• 5:12
  Speaker 1: privileged to be in a position where now I like
• 5:15
  Speaker 1: to think that I'm really super aware of it, Like
• 5:17
  Speaker 1: I do have enough to get by, and I do
• 5:20
  Speaker 1: have enough, hopefully to take some pressure off my family
• 5:23
  Speaker 1: and friends, and I love that. You know, as you
• 5:27
  Speaker 1: guys know, my financial life has been a bit of
• 5:29
  Speaker 1: a journey. I was in significant debt and it was
• 5:33
  Speaker 1: crippling and awful and really weighed heavily on my mental health.
• 5:37
  Speaker 1: And I've kind of gone on this journey of then,
• 5:39
  Speaker 1: you know, getting to a point of you know, not
• 5:42
  Speaker 1: financial freedom yet, but I'm definitely far more financially free
• 5:45
  Speaker 1: than I was, and I have this beautiful privilege of
• 5:47
  Speaker 1: being able to make decisions that you know, kind of
• 5:51
  Speaker 1: transcend beyond finances, if that makes sense. I can go, oh, Beck,
• 5:55
  Speaker 1: I do want to take a day off to rest
• 5:57
  Speaker 1: or recover. I can afford to do that, and I
• 5:59
  Speaker 1: think that's an absolute privilege. But it like throws me
• 6:03
  Speaker 1: straight back to when I was in debt or trying
• 6:05
  Speaker 1: to budget or trying to go out with my friends,
• 6:07
  Speaker 1: and it just took away from the event. I know,
• 6:10
  Speaker 1: I can totally relate to that.
• 6:11
  Speaker 4: I remember I used to bring like boiled eggs to
• 6:14
  Speaker 4: restaurants because I'd be like, I'm just gonna get like
• 6:17
  Speaker 4: a little side salad.
• 6:18
  Speaker 1: That's me a couple of bush you know, smart though,
• 6:20
  Speaker 1: that's like forward thinking totally.
• 6:22
  Speaker 4: That was so like condiments everything. I would bring them
• 6:24
  Speaker 4: myself in little like you know, tupway containers or whatever.
• 6:27
  Speaker 4: But my friend would always laugh at me because sometimes
• 6:29
  Speaker 4: the eggs were peeled yet, so I'd have to sit there,
• 6:31
  Speaker 4: I love it, feel all these eggs and then pop
• 6:34
  Speaker 4: them in like you know where it says ad sides.
• 6:35
  Speaker 4: I would just be like, hey, can I have a
• 6:37
  Speaker 4: side of this lettuce or this little and then they'd
• 6:40
  Speaker 4: be like, yeah, okay, that's so weird, but sure, and
• 6:42
  Speaker 4: they'd bring it out and I'd pop my little eggs
• 6:44
  Speaker 4: in and I would try.
• 6:46
  Speaker 1: And eat beforehand as well, so I wasn't super hungry.
• 6:47
  Speaker 1: You know, that's so frugal. And I mean, arguably, I
• 6:51
  Speaker 1: don't know if restaurants would now let you do that,
• 6:53
  Speaker 1: but I mean, you do you like, yeah, I think
• 6:55
  Speaker 1: it's probably frowned upon. I would say, but that was
• 6:58
  Speaker 1: obviously done so that one you weren't under any more
• 7:01
  Speaker 1: financial pressure. But I just feel like there's such a
• 7:04
  Speaker 1: feeling of underlying anxiety that I remember just not enjoying
• 7:08
  Speaker 1: being out with my friends sometimes because it was so stressful,
• 7:11
  Speaker 1: like and they didn't know. They'd be like, oh, there's
• 7:12
  Speaker 1: anything up, and I'd be like, no, no, no, I'm just quiet.
• 7:14
  Speaker 1: I'm just fine. Like reality, I was just like calculating
• 7:18
  Speaker 1: in my hands how much it was going to cost,
• 7:20
  Speaker 1: and are we splitting this evenly? Or I've only brought
• 7:22
  Speaker 1: a certain amount of cash. What if people say they
• 7:24
  Speaker 1: don't have cash and I'm the only one and I
• 7:26
  Speaker 1: have to like transfer them back. I don't have enough
• 7:27
  Speaker 1: money on my account to transfer them. I only brought
• 7:29
  Speaker 1: this cat. Like, I feel like it's such a spiral,
• 7:33
  Speaker 1: and like we've decided at the Sheesel on the Money
• 7:36
  Speaker 1: off Us to embrace cost of living core and we're
• 7:38
  Speaker 1: just going to take a more I guess, holistic approach
• 7:43
  Speaker 1: to spending money. We're going to make it sexy. I
• 7:45
  Speaker 1: think it's already sexy, but like we're going to try
• 7:47
  Speaker 1: and make it more sexy, you know, begy, but it
• 7:50
  Speaker 1: goes beyond and we've obviously shared these tips and tricks
• 7:53
  Speaker 1: on the podcast before. We're like, oh, why don't you
• 7:55
  Speaker 1: have your friends over for a brunch instead? Why don't you,
• 7:57
  Speaker 1: you know, have a dinner party and everyone brings me in,
• 8:00
  Speaker 1: Like I think those things are really smart, and they are,
• 8:03
  Speaker 1: but it goes beyond just the physical and into really
• 8:07
  Speaker 1: stepping into what other people are thinking and feeling and
• 8:10
  Speaker 1: how you make them think and feel, because there's nothing
• 8:14
  Speaker 1: sexier than you know, me turning around and being like, Beck,
• 8:17
  Speaker 1: I know I asked you out for dinner. I'm actually paying,
• 8:22
  Speaker 1: and you go, oh, no, V, I don't want that, like,
• 8:24
  Speaker 1: please don't pay, and I go, yeah, yeah, but I
• 8:25
  Speaker 1: really want to go to this particular restaurant. But I
• 8:27
  Speaker 1: also don't want you to feel that anxiety sure or
• 8:30
  Speaker 1: flipping it and going I know that we're all stressed
• 8:33
  Speaker 1: about this at the moment. Hey, Beck, I really want
• 8:35
  Speaker 1: to catch up, Like, let's do something free or cheap. Yeah,
• 8:38
  Speaker 1: and you might not even know what the outcome is,
• 8:39
  Speaker 1: you don't have to think about it, but like, what
• 8:41
  Speaker 1: can we do that's free or cheap? Totally?
• 8:43
  Speaker 4: I can run through if you like a few of
• 8:45
  Speaker 4: please do Please do? They do that are very cheap.
• 8:48
  Speaker 4: So one suggestion would be tea and Tarot card night.
• 8:52
  Speaker 4: Oh my gosh, chuck some frozen pizzas in the oven.
• 8:55
  Speaker 1: Can you please invite me? Yeah, of course, offer tea
• 8:58
  Speaker 1: in Tarot night.
• 8:59
  Speaker 4: And you know I don't know how to read tarot cards,
• 9:00
  Speaker 4: but you know you'll find mine whatever.
• 9:03
  Speaker 1: I've never had my tarot cards read. Yes, And you
• 9:06
  Speaker 1: know I won't know the difference between good and bad. Oh,
• 9:09
  Speaker 1: I won't know why.
• 9:09
  Speaker 4: I'm just going to pretend that all cards are good,
• 9:11
  Speaker 4: even if it's like this is the death part.
• 9:13
  Speaker 1: It's like you life, you're moving past a traumatic event Victorian.
• 9:17
  Speaker 1: I'll be like, oh, yeah, of course that's exactly how
• 9:20
  Speaker 1: I feel.
• 9:20
  Speaker 4: Yeah, I think so that's one of them obviously. Another
• 9:23
  Speaker 4: one that I like to do with my friends is
• 9:24
  Speaker 4: movie night will start like a series together.
• 9:26
  Speaker 1: I'm currently on f Boy Island. I'm going there. I've
• 9:29
  Speaker 1: just started watching. Actually I love it. I feel like
• 9:33
  Speaker 1: with the movie night too. It can become really cheap
• 9:35
  Speaker 1: if you do the frozen pizza thing, because it could
• 9:37
  Speaker 1: add up if you don't have a plan, like if
• 9:40
  Speaker 1: you go over to each other's house and then I'm like, oh, Beck,
• 9:42
  Speaker 1: what's for dinner? And then you've already had a few drinks,
• 9:44
  Speaker 1: so we can't go to the supermarket together and we
• 9:46
  Speaker 1: have to order it. Roots, yes, make a plan, and
• 9:49
  Speaker 1: also stop buying pre made popcorn. Do you know how
• 9:53
  Speaker 1: cheap popcorn can be? The microwave one, Yeah, but like
• 9:57
  Speaker 1: the cheap one, so just buy the popcorn kern and
• 10:00
  Speaker 1: pop it yourself in a saucepan. True, Actually, like that
• 10:03
  Speaker 1: is the cheapest, healthiest, best snack. I would advocate for
• 10:07
  Speaker 1: making it not healthy. So, like my favorite type of
• 10:10
  Speaker 1: popcorn is where you popple the popcorn, put it in
• 10:12
  Speaker 1: a big bowl to the side. Then you melt some
• 10:14
  Speaker 1: sugar and some water and make a caramel color like
• 10:17
  Speaker 1: toffee sauce, and then you pour it over the popcorn
• 10:20
  Speaker 1: and then sprinkle salt over it. It's so cheap because obviously
• 10:22
  Speaker 1: it's just like a little bit of sugar and some
• 10:25
  Speaker 1: popcorn kernels. But then it becomes like crunchy toffee popcorn,
• 10:28
  Speaker 1: kind of like giving you know, like carnival vibes. Okay,
• 10:31
  Speaker 1: so cheap, so good, so bad for you, so bad
• 10:35
  Speaker 1: for you. You want it to be bad for you, though
• 10:37
  Speaker 1: you got to do it one hundred percent. But what
• 10:40
  Speaker 1: were you telling me about before?
• 10:41
  Speaker 2: Beck?
• 10:42
  Speaker 1: You were saying something off air about a Danish concept
• 10:44
  Speaker 1: you wanted to bring up, and I thought that was
• 10:46
  Speaker 1: pretty elite.
• 10:47
  Speaker 4: Yes, I think this is so cozy, So I mean,
• 10:50
  Speaker 4: I might be wrong here, whoever's listening, please correct me.
• 10:53
  Speaker 4: But I have heard about this Danish concept of and
• 10:56
  Speaker 4: I believe it's pronounced hougar.
• 10:58
  Speaker 1: I think it's It does sound very dayniche. It sounds
• 11:00
  Speaker 1: like a product you get at Ikea, and.
• 11:02
  Speaker 4: It sounds and I don't know how to explain it
• 11:04
  Speaker 4: like a worm hug. So it's the hoogha the hoogar. Yeah,
• 11:07
  Speaker 4: so I think it's defined, and I wrote this down.
• 11:10
  Speaker 1: So you think or it is. I want it because
• 11:14
  Speaker 1: I can see in front of you that you literally
• 11:16
  Speaker 1: have the definition.
• 11:16
  Speaker 4: Should write it down just in case, but it could
• 11:19
  Speaker 4: be wrong. A quality of coziness and comfortable conviviality conviw
• 11:25
  Speaker 4: vitality maybe yeah, whatever that engenders a feeling of contentment
• 11:30
  Speaker 4: or well being.
• 11:31
  Speaker 1: I love that, But I can tell that you didn't
• 11:33
  Speaker 1: write that sentence. What's conviviality even mean? So I don't know.
• 11:39
  Speaker 1: It sounds like a warm hug.
• 11:40
  Speaker 4: Okay, so our produce to just let us know that
• 11:42
  Speaker 4: it means friendly, lively, and enjoyable.
• 11:45
  Speaker 1: Oh, that's wholesome conviviality. Yeah, I'm going to start throwing
• 11:48
  Speaker 1: that into my everyday language and then you guys will
• 11:51
  Speaker 1: think I'm really smart. I do think you're really smart.
• 11:53
  Speaker 4: Basically, the point of that is I guess when things
• 11:56
  Speaker 4: are cold and dark over winter to counter the possible
• 11:59
  Speaker 4: depression of the season, you know, the winter sat Oh.
• 12:02
  Speaker 1: Yeah, no, but that's a thing. Like I feel like
• 12:04
  Speaker 1: I have seasonal depression. Sometimes I have real depression. I
• 12:07
  Speaker 1: take actual medication for it. But like I feel like
• 12:09
  Speaker 1: I have seasonal depression because like I don't want to
• 12:11
  Speaker 1: get out of bed and I feel like doing nothing.
• 12:13
  Speaker 1: Who wants to go out when it's dark and colder, darkness,
• 12:16
  Speaker 1: cold and wet usually, So we're redefining it. We're redefining
• 12:20
  Speaker 1: it basically the Danish people's celebrate hoogar and the sense
• 12:24
  Speaker 1: of cozy comfort it can bring. So the principles of
• 12:27
  Speaker 1: it are google boogo. Okay, maybe I'm just taking the
• 12:30
  Speaker 1: mickey out.
• 12:31
  Speaker 4: The principles of it are atmosphere, presence, pleasure, equality, gratitude, harmony, comfort, truce, togetherness,
• 12:40
  Speaker 4: and shelter.
• 12:41
  Speaker 1: That's so cute. That is actually really really wholesome. And
• 12:45
  Speaker 1: I think this idea of like slowing down and being
• 12:48
  Speaker 1: present with people and this like soft warm let's go
• 12:51
  Speaker 1: buy home wess. That's not very cost of living core,
• 12:54
  Speaker 1: is it? It's not? But we could buy a home
• 12:56
  Speaker 1: with all right, So instead of buying home wors, maybe
• 12:58
  Speaker 1: we just make like wholesome pop corn at home and
• 13:00
  Speaker 1: have a pizza at night instead of going out totally.
• 13:02
  Speaker 4: Or maybe you could find like a really nice warm
• 13:04
  Speaker 4: light from an op shop and take that home with you.
• 13:06
  Speaker 1: No, stop buying things op shop?
• 13:08
  Speaker 5: Though?
• 13:09
  Speaker 1: Do you have a blanket at home?
• 13:10
  Speaker 4: Cool?
• 13:10
  Speaker 1: We can sit on the couch with the blanket scorn.
• 13:12
  Speaker 1: Now are you talking? Yeah? See see see talk dirty
• 13:15
  Speaker 1: to me.
• 13:16
  Speaker 4: I think we should go to a really quick break
• 13:18
  Speaker 4: and when we come to a popcorn let's do it.
• 13:20
  Speaker 1: On the flip side, we're going to give you some
• 13:21
  Speaker 1: really hot tips and tricks about how to embrace this
• 13:24
  Speaker 1: cost of living core. We're trying to make a thing,
• 13:26
  Speaker 1: and it's actually up to you, guys to make it
• 13:28
  Speaker 1: a thing, because like Beck and I we're just on
• 13:29
  Speaker 1: the pod. Like the community, that's what makes things come
• 13:33
  Speaker 1: to life. So make this happen, immensis. We'll be back.
• 13:40
  Speaker 1: All right, we are backback, and I want to start
• 13:43
  Speaker 1: this conversation because I can see that you've got a
• 13:45
  Speaker 1: list of all of your favorite like broke tips and tricks,
• 13:48
  Speaker 1: and this is basically now going to be like a
• 13:50
  Speaker 1: Beck show, which I'm very excited about. But before we
• 13:52
  Speaker 1: get there, during my time working in psychology, and you've
• 13:56
  Speaker 1: heard this on the pod before, I was introduced to
• 13:59
  Speaker 1: this con called reframing, and it sounds really I guess, fluffy,
• 14:03
  Speaker 1: but it's taking one mindset and kind of shifting it
• 14:06
  Speaker 1: to another. And it's kind of like a tool in
• 14:09
  Speaker 1: the toolkit of counselors and psychologists that they use to
• 14:13
  Speaker 1: kind of one paraphrase back to you your concern or problem,
• 14:18
  Speaker 1: but in a way that takes it from one mindset
• 14:21
  Speaker 1: to another. So like you might be bossy, and you
• 14:24
  Speaker 1: might say, and I got this a lot when I
• 14:27
  Speaker 1: was younger, like, oh, Victoria is so bossy, And no,
• 14:30
  Speaker 1: actually I'm a natural leader, yeah, like absolutely not. I'm
• 14:33
  Speaker 1: a visionary. I am. You know somebody who's really passionate
• 14:36
  Speaker 1: about what I do and I know what I want.
• 14:38
  Speaker 1: Someone might have said, Oh, she's so demanding, and no, no, no,
• 14:42
  Speaker 1: I know what I want. I'm outspoken, and I feel
• 14:44
  Speaker 1: like it's taking something that might have a negative connotation
• 14:49
  Speaker 1: and putting it into a positive mindset. So instead of
• 14:53
  Speaker 1: saying like, oh, I'm never going to be able to
• 14:55
  Speaker 1: do this, you might say, I'm doing the best that
• 14:58
  Speaker 1: I can right now with the tools and reins sources
• 15:00
  Speaker 1: that I have access to. And if you might say, oh,
• 15:03
  Speaker 1: I'm not very good at this, like I'm gonna fail,
• 15:05
  Speaker 1: like I'm never gonna be able to stick to my budget,
• 15:06
  Speaker 1: you might go, I've accomplished so much already and I'm
• 15:10
  Speaker 1: learning as I go, And I think just making these
• 15:13
  Speaker 1: mindset shifts, like you might go, it's too hard. You
• 15:16
  Speaker 1: might go, I know I'm capable of accomplishing this, Like
• 15:19
  Speaker 1: there's just so many different ways to reframe, and I
• 15:22
  Speaker 1: know it sounds fluffy, and you might go, that's lame,
• 15:24
  Speaker 1: like stop that. But negative self talk is inherent, Like
• 15:28
  Speaker 1: at the end of the day, way back when we
• 15:32
  Speaker 1: were cavemen, Beck, we'd make terrible cavemen. Now it's like
• 15:35
  Speaker 1: asking my dog, Lucy, Like, do you know that you
• 15:37
  Speaker 1: used to have to fight for your food? Sir? Like,
• 15:40
  Speaker 1: sit down, Lucy, Like can you imagine Lucy going out
• 15:42
  Speaker 1: into the wild and trying to like serve herself? Like,
• 15:45
  Speaker 1: absolutely not, she'd be like and those biscuits warmed because
• 15:47
  Speaker 1: if they're not warmed, yeah, like I'm actually gonna starve myself.
• 15:51
  Speaker 1: But back in cavemen times, like, we had to be
• 15:55
  Speaker 1: very defensive because our lives were risk so of our shelter,
• 15:58
  Speaker 1: of our food, of our you know, looking after ourselves.
• 16:01
  Speaker 1: We had to be very negative because the worst outcome
• 16:04
  Speaker 1: could be true. We now live in what is arguably
• 16:07
  Speaker 1: a semi civilized society, so we can leave the house thankfully,
• 16:12
  Speaker 1: very privileged. We're in Australia. We can leave the house safely, comfortably,
• 16:17
  Speaker 1: Like there's so many resources. So being a little bit
• 16:20
  Speaker 1: more positive is actually a really good tool. But we automatically,
• 16:23
  Speaker 1: as human beings, default to negative. It's hardwired into our
• 16:27
  Speaker 1: brain to be negative. If you think you're a negative person,
• 16:30
  Speaker 1: it's just because you're hardwired that way. And it takes
• 16:33
  Speaker 1: work to become positive, and it takes work, but work
• 16:37
  Speaker 1: makes us uncomfortable and we actually need to change that.
• 16:40
  Speaker 1: So sometimes you have to be a little bit uncomfortable
• 16:42
  Speaker 1: to become ultimately comfortable. So I think if you're feeling
• 16:45
  Speaker 1: like being frugal sucks, or you know, you feel like
• 16:48
  Speaker 1: you're losing something, I think reframing it to I'm going
• 16:52
  Speaker 1: to get to spend way more quality time with my friends.
• 16:55
  Speaker 1: I'm going to feel so much less pressure. Like let's
• 16:58
  Speaker 1: change the mindset around the because as much as it
• 17:01
  Speaker 1: sounds fluffy, and I am a relatively fluffy human being,
• 17:04
  Speaker 1: but as much as it's fluffy, it actually has an
• 17:06
  Speaker 1: impact on our mental health and how we feel and
• 17:08
  Speaker 1: how we see situations like you're not missing out on anything.
• 17:12
  Speaker 1: And I think the second we can see that, the
• 17:14
  Speaker 1: more likely we are to embrace things. And I mean,
• 17:17
  Speaker 1: you're like the best frugal queen I know, but I
• 17:20
  Speaker 1: know that there's such value even in making decisions like
• 17:24
  Speaker 1: that because they are based more on quality time as
• 17:26
  Speaker 1: opposed to the activity. Like sometimes we pick a really
• 17:29
  Speaker 1: nice restaurant because that could be the topic of conversation,
• 17:32
  Speaker 1: like let's go out to that restaurant. We can talk
• 17:34
  Speaker 1: about the food, we can do this, we can do that.
• 17:36
  Speaker 1: Let's be honest if I invite you to my house, Beck,
• 17:38
  Speaker 1: there's no chatter going around. We're not like, oh do
• 17:40
  Speaker 1: you like her? Top? Do you like this too? Like
• 17:42
  Speaker 1: we actually have to focus on enjoying ourselves together and
• 17:45
  Speaker 1: having good conversation and all of that stuff. So I
• 17:47
  Speaker 1: think that one, it's beautiful, But two, I think take
• 17:52
  Speaker 1: the pressure off yourself. If you're being negative, if you're
• 17:55
  Speaker 1: saying I could never do that, be like, well, why
• 17:57
  Speaker 1: not give it a go? You're completely capable of giving
• 17:59
  Speaker 1: it a shot. Sorry, Yeah, anyway, that's my little soft,
• 18:03
  Speaker 1: fluffy side of the podcast. I mean, it's been a
• 18:06
  Speaker 1: relatively fluffy podcast. But can you give me some cost
• 18:10
  Speaker 1: of living core ideas? I feel like there are six million,
• 18:14
  Speaker 1: of course I can.
• 18:15
  Speaker 4: So I just want to quickly say this really reminds
• 18:18
  Speaker 4: me of just off topic. I'm so sorry, But I
• 18:20
  Speaker 4: watch this show is called Soup Store, and there's one
• 18:22
  Speaker 4: episode where I love.
• 18:25
  Speaker 1: One of the even we're obsessed.
• 18:26
  Speaker 4: I've run out of episodes, saying I keep watching the
• 18:29
  Speaker 4: same thing over and over again.
• 18:30
  Speaker 1: But Nero, spicy girl things love this show.
• 18:33
  Speaker 4: So one episode they're talking about someone wants a pay
• 18:36
  Speaker 4: rise and so they have like a big meeting, and
• 18:38
  Speaker 4: it's like a budget is a pay rise you give yourself,
• 18:41
  Speaker 4: and they're trying to like reframe literally living on no money,
• 18:45
  Speaker 4: and I'm like, this could be exactly what maybe we're
• 18:49
  Speaker 4: doing here for some people out there. But I do
• 18:51
  Speaker 4: just want to say, like, unfortunately that's the reality of it,
• 18:54
  Speaker 4: but you can sometimes make things a little bit cozier,
• 18:56
  Speaker 4: a little bit comfier for yourself, yeah, if you still
• 19:00
  Speaker 4: to enjoy the finer things like seeing friends and being
• 19:03
  Speaker 4: social and things like that. So my friend she has
• 19:06
  Speaker 4: like a full spreadsheet of different teas, and I know
• 19:10
  Speaker 4: I mentioned tea in the first half, but I just
• 19:12
  Speaker 4: want to like really reiterate how wholesome and warming and
• 19:16
  Speaker 4: fun it is. Basically what she does is she'll get
• 19:20
  Speaker 4: like Earl Gray, She'll get all different brands of Earl
• 19:22
  Speaker 4: Gray that can be a little bit pricey, so you
• 19:24
  Speaker 4: don't have to be doing that, but I can get
• 19:26
  Speaker 4: like two or three You get two or three once
• 19:28
  Speaker 4: a week or once a fortnite and just meet up
• 19:31
  Speaker 4: with your friends and taste the teas and tasting but
• 19:36
  Speaker 4: way more budget.
• 19:36
  Speaker 1: Yeah, exactly.
• 19:37
  Speaker 4: And she literally has a spreadsheet of all the teas
• 19:40
  Speaker 4: that her and her friends have already kind of like
• 19:42
  Speaker 4: basically judged, And I just want to say Madura Tea
• 19:46
  Speaker 4: is currently coming up on top. Yeah, no, that will
• 19:48
  Speaker 4: always come up on top. That's the English breakfast Madure.
• 19:51
  Speaker 4: I don't know about the other.
• 19:52
  Speaker 1: Madia By also going off track from Madua, the Yorkshre
• 19:55
  Speaker 1: tea gold is my favorite black I'm going to write
• 19:58
  Speaker 1: that down. Yeah, Yorkshare tea comes in the gold box.
• 20:01
  Speaker 1: It looks fancy, it's not. And then what's that one?
• 20:04
  Speaker 1: It's like the Lady, the Lady, the Lady.
• 20:06
  Speaker 4: I don't know why I said that so loudly, like
• 20:09
  Speaker 4: I knew what you're talking about, and I didn't.
• 20:12
  Speaker 1: The Madam flavor teas mad them, I don't think I've
• 20:15
  Speaker 1: heard about this. We only buy them when they're on
• 20:17
  Speaker 1: sale because they're like seven dollars a box. Otherwise, look
• 20:20
  Speaker 1: how boogie that looks Oh? I do know this? When
• 20:22
  Speaker 1: I like their green tea with jasmine and something, yeah, see,
• 20:25
  Speaker 1: they're fancy bougie ones. And my favorite tea is actually
• 20:29
  Speaker 1: their lemon grass, lime and ginger, which is really good
• 20:32
  Speaker 1: for pre recording. So your voice sounds really nice. I
• 20:34
  Speaker 1: don't think I could f with the lemon, grass and ginger.
• 20:37
  Speaker 1: But I'm going to write that down anyway, just in
• 20:39
  Speaker 1: case the Madame flavor ones. But just for those of
• 20:41
  Speaker 1: you who missed out, Beck just called twinings tea twinnings.
• 20:46
  Speaker 1: I just I'm not letting anybody let that slips. Twiny
• 20:53
  Speaker 1: just doesn't look like it should be twinings anyway. Phonetically
• 20:57
  Speaker 1: it makes sense, would be one.
• 21:00
  Speaker 4: No, no, anyway, I'm shocked to the absolute core.
• 21:04
  Speaker 1: The word twins has one in huh oh. But like
• 21:12
  Speaker 1: you know, I'm not here to teach you English, here
• 21:15
  Speaker 1: to teach you about money.
• 21:16
  Speaker 4: I love you that I need to do English after this,
• 21:19
  Speaker 4: it's not.
• 21:20
  Speaker 1: It's way better this way. So we're going to do
• 21:22
  Speaker 1: tea tastings.
• 21:23
  Speaker 4: We tastings with your friends. You can do them by
• 21:25
  Speaker 4: yourself as well. If you're having an ID and you
• 21:27
  Speaker 4: want to pamp yourself, have some teas.
• 21:29
  Speaker 1: Tea's really good.
• 21:30
  Speaker 4: And also, like sometimes I do have a pampanite myself,
• 21:33
  Speaker 4: and what I do is I just get the cheapest, cheapest.
• 21:35
  Speaker 1: Bottle of loution.
• 21:36
  Speaker 4: Honestly, I don't know much about skincare, so don't listen
• 21:38
  Speaker 4: to me, but petroleum jelly all over the body.
• 21:40
  Speaker 1: I love it, all right, We're not going to go
• 21:42
  Speaker 1: too far into that because I think that a lot
• 21:44
  Speaker 1: of faithful are going to be that's so bad for you.
• 21:47
  Speaker 1: That's coodemic.
• 21:48
  Speaker 4: Like, all right, sorry, probably let me I'm very poor anyway,
• 21:51
  Speaker 4: I'm not really. The next thing I'm going to tell
• 21:53
  Speaker 4: you about is my delicious, very cheap fried rice.
• 21:57
  Speaker 1: Oh I love a fried rice. So what you do do? S? Yeah, i'ming.
• 22:04
  Speaker 4: I know there's a lot of people out there that
• 22:06
  Speaker 4: already know this, but you do have to use day
• 22:08
  Speaker 4: or a couple day old rice's.
• 22:11
  Speaker 1: Planning for me. Absolutely not. You can use it fresh
• 22:13
  Speaker 1: if you like. That's no problem with that. You know what,
• 22:15
  Speaker 1: I don't even like cooking rice myself. I'm about to
• 22:17
  Speaker 1: give you a rice tip as well after this, so
• 22:19
  Speaker 1: that's you can get good.
• 22:20
  Speaker 4: It's obviously not good for the environment. You can get
• 22:22
  Speaker 4: once that a microwaveable.
• 22:23
  Speaker 1: But absolutely not. We do not buy microwave and the house.
• 22:26
  Speaker 1: Are you kidding? That is so expensive? What am I
• 22:28
  Speaker 1: going to do? Like pay a dollar for a cup
• 22:30
  Speaker 1: of rice back? Absolutely not if you don't like cooking.
• 22:33
  Speaker 1: But anyway, you if you're on the money, you don't
• 22:35
  Speaker 1: buy a pack at ideally not. You know what I
• 22:38
  Speaker 1: should do in my newsletter in a couple of weeks,
• 22:40
  Speaker 1: how to cook the perfect rice, because I think I'm
• 22:42
  Speaker 1: really good at it. It's not traditional, Like I haven't
• 22:45
  Speaker 1: told you how I cook my rice to perfection before,
• 22:48
  Speaker 1: because you guys would jump down my throats and be like,
• 22:51
  Speaker 1: that's not how to cook jasmine rice. You're slaughtering it.
• 22:53
  Speaker 1: But you know what comes out perfect every time, doesn't it?
• 22:56
  Speaker 4: I don't know yet, but I'm sure i'll coo my
• 22:59
  Speaker 4: rice for you. I think I cook the perfect rice.
• 23:01
  Speaker 1: Do you do it in a rice cooker? Because I
• 23:03
  Speaker 1: know way? Yeah, No, I haven't invested anyone. I just
• 23:06
  Speaker 1: can't justify it, like I'm not buying an appliance that
• 23:10
  Speaker 1: has one function.
• 23:11
  Speaker 4: Yeah that's actually a really good point. But absolutely Also,
• 23:13
  Speaker 4: I think I do have rice cook It always does
• 23:14
  Speaker 4: come out perfect.
• 23:14
  Speaker 1: It must be nice. It is nice. Actually.
• 23:17
  Speaker 4: So what you do with the fried rice is you
• 23:18
  Speaker 4: chuck in your rice, which should be you know, not
• 23:21
  Speaker 4: super expensive, cook it up ideally today old that's okay.
• 23:24
  Speaker 4: If not, you pop in some sesame oil. If you have,
• 23:27
  Speaker 4: you can get the home brand one. They don't have
• 23:29
  Speaker 4: home brand soy sauce too, they know, and.
• 23:31
  Speaker 1: I think they do now. I think they have like
• 23:33
  Speaker 1: Coals or Woolies brand soy sauce.
• 23:35
  Speaker 4: Yeah, I think they must. Or you can get like
• 23:37
  Speaker 4: the black and gold soy sauce. I'm pretty sure that's
• 23:39
  Speaker 4: the thing. If not, just find the cheapest soy sauce. Basically,
• 23:42
  Speaker 4: all you need is sesame oil, soy sauce, rice, frozen peas,
• 23:46
  Speaker 4: and what I do is I add a scrambled sort
• 23:49
  Speaker 4: of egg and you chuck it all in there. You
• 23:51
  Speaker 4: pop in your fried tofu if you like. It doesn't
• 23:54
  Speaker 4: cost too much, but it lasts so long. So this
• 23:57
  Speaker 4: is showing my privilege again. But I think that you'll
• 24:00
  Speaker 4: agree or laugh. I don't know.
• 24:03
  Speaker 1: I don't even know what should be telling this story
• 24:05
  Speaker 1: because it's honestly relatively unrelatable. So okay, that's good. As
• 24:10
  Speaker 1: you know, I have been renovating my house and I've
• 24:13
  Speaker 1: just moved back into it, and they left all of
• 24:15
  Speaker 1: my other condiments somewhere else. Oh and so I've had
• 24:19
  Speaker 1: to buy all of my condiments again. So I have
• 24:23
  Speaker 1: gone to Coals and I bought like olive oil and
• 24:26
  Speaker 1: peanut oil and I bought soy sauce, and I bought
• 24:29
  Speaker 1: jars of ginger and garlic and chili and all of
• 24:31
  Speaker 1: those things that I use like quite regularly. As you
• 24:35
  Speaker 1: guys know, I'm the beest fan of Marley Spoon. Honestly,
• 24:37
  Speaker 1: that can be a money in it itself. Like I
• 24:39
  Speaker 1: know that some people look at meal kits like Marley
• 24:42
  Speaker 1: Spoon and go, oh, that's really expensive, Like I could
• 24:44
  Speaker 1: definitely make that meal for less, and you go, well,
• 24:46
  Speaker 1: maybe you could. But the idea that they send the
• 24:49
  Speaker 1: perfect amount of ingredients so that there's basically no waste
• 24:52
  Speaker 1: and you get all of these really cool different meals,
• 24:56
  Speaker 1: like it ends up being quite cost effective. But anyway,
• 24:58
  Speaker 1: you need, like you know, some basic soy sauce and
• 25:00
  Speaker 1: like peanut oil and stuff to cook those as well.
• 25:02
  Speaker 1: I spent more than three hundred dollars like holes on condiments.
• 25:06
  Speaker 1: Oh my god. I took a photo of the receipt
• 25:08
  Speaker 1: because I was so embarrassed of myself, and I sent
• 25:10
  Speaker 1: it to my husband and I was like, is this
• 25:11
  Speaker 1: a joke? Like we needed these things and they were
• 25:14
  Speaker 1: like lots of basics, like we had it completely empty pantry,
• 25:17
  Speaker 1: completely empty fridge, so I was buying things like tomato
• 25:20
  Speaker 1: sauce and like mayonnaise and just like all those things
• 25:23
  Speaker 1: that you want in your fridge. And I knew that
• 25:25
  Speaker 1: if I didn't buy them, I would be looking for them.
• 25:29
  Speaker 1: Like you know, when you're like, oh, I'm cooking dinner
• 25:30
  Speaker 1: and your husband's not that you have a husband, maybe
• 25:32
  Speaker 1: you will one day, maybe you have a wife. I
• 25:33
  Speaker 1: don't know, beck, but your husband's like, oh, can I
• 25:36
  Speaker 1: have some sauce? And I'm like, no, I have none.
• 25:38
  Speaker 1: I just knew he'd ask because sometimes when I cook,
• 25:41
  Speaker 1: you really do need to cover it up with tomato sauce.
• 25:44
  Speaker 1: So like I knew that was coming. It's just small
• 25:46
  Speaker 1: things like that, they all really added up, and I
• 25:48
  Speaker 1: was just like, holy moly, even to cook these days
• 25:52
  Speaker 1: without buying any real food, absolute fraud. Yeah, don't even
• 25:56
  Speaker 1: get me started on the cost of olive oil. Oh
• 25:58
  Speaker 1: my gosh, it's so excited and zip like, what why
• 26:02
  Speaker 1: is it tastes so much better? Tastes so much better though,
• 26:04
  Speaker 1: that's the why is it so much more cost effective
• 26:07
  Speaker 1: to buy the big bottle, which is obviously far more
• 26:09
  Speaker 1: expensive than the small bottle? But you know you're going
• 26:11
  Speaker 1: to go through it, so you should buy the big bottle,
• 26:13
  Speaker 1: but it's not on sale, so you don't do it,
• 26:14
  Speaker 1: and then totally get you just another really quick thing. Yeah,
• 26:18
  Speaker 1: I'm ready.
• 26:19
  Speaker 4: One thing that you can just literally chuck in your
• 26:22
  Speaker 4: garden if you have a garden, if you have any
• 26:24
  Speaker 4: sort of mud anywhere, or dirt anywhere, sorry, soil dirt,
• 26:28
  Speaker 4: soil bud if you want, if you have like a
• 26:31
  Speaker 4: little bit of the end of a shalot.
• 26:33
  Speaker 1: Smart they regrow. Some people call a spring onion. I
• 26:37
  Speaker 1: just regrow them in a jar and they put water
• 26:39
  Speaker 1: in the bottom of them, and you just chuck the
• 26:41
  Speaker 1: shots in there. They just regrow.
• 26:42
  Speaker 4: They're impossible to kill, and you don't have to be
• 26:46
  Speaker 4: buying bunches of shalots all the time.
• 26:48
  Speaker 1: Do you call them? I call them spring onions, Of
• 26:51
  Speaker 1: course you do. That's very Victorian, isn't it. What do
• 26:54
  Speaker 1: you mean? I feel like chalot's away fancier. But chalots
• 26:57
  Speaker 1: are those tiny, tiny red onions.
• 27:00
  Speaker 4: I don't think so oh okay, well, no worries, so
• 27:03
  Speaker 4: that's true.
• 27:04
  Speaker 1: I think that is a thing, but it's different maybe
• 27:06
  Speaker 1: in Sydney. I don't know. Oh those are eschelots lit
• 27:10
  Speaker 1: no you're making this so complicated. This is meant to
• 27:13
  Speaker 1: be like quick, fun, fast tips. And now we've gone
• 27:17
  Speaker 1: completely off track and you're telling everybody to grow spring
• 27:19
  Speaker 1: onions in their garden. Like that's a very very living core.
• 27:24
  Speaker 1: So maybe we are on track totally. That's very very good.
• 27:26
  Speaker 1: That's going to save you a lot of money in
• 27:27
  Speaker 1: the long run. So you recommended fried rice, which I
• 27:30
  Speaker 1: think is a ten out of ten. Can I tell
• 27:32
  Speaker 1: you about my budget af rosotto recipe? Please?
• 27:35
  Speaker 6: All right?
• 27:36
  Speaker 1: So risotto rice, get it on sale because it's the
• 27:38
  Speaker 1: more expensive rice, a boreo rice. So get some of
• 27:42
  Speaker 1: boreo rice. You'll need maybe like an onion, because I
• 27:45
  Speaker 1: feel like an onion makes things better. I always buy
• 27:49
  Speaker 1: ja garlic, so like we're not buying proper garlic, way
• 27:52
  Speaker 1: too expensive. Also, who can be bothered pealing garlic to cook?
• 27:56
  Speaker 1: If you do that, you are literally a better person
• 27:58
  Speaker 1: than me. I get my tea spoon out and I
• 28:01
  Speaker 1: blot straight into the pan. We're good to go. But
• 28:04
  Speaker 1: you want some garlic and some onion because I feel
• 28:07
  Speaker 1: like that's the start of any good recipe. You want
• 28:10
  Speaker 1: some maboreo rice. You need the kettle and you need
• 28:13
  Speaker 1: a good tin of cream of mushroom soup. Ah, And
• 28:17
  Speaker 1: we are going to make a jug of the cream
• 28:20
  Speaker 1: of mushroom soup with the boiling water, and then we're
• 28:22
  Speaker 1: going to slowly put it in to the risotto mix
• 28:25
  Speaker 1: over time. I'll put it in a newsletter at some
• 28:27
  Speaker 1: point because it is one budget friendly, really scalable, and
• 28:31
  Speaker 1: you can add whatever you want. So if you're going
• 28:32
  Speaker 1: to get fancy, you could grab a tub of mushrooms
• 28:34
  Speaker 1: and fry them up a little bit, chuck them in stunning.
• 28:37
  Speaker 1: You want to add some like chicken or some type
• 28:39
  Speaker 1: of protein, I'd put like a fried tofu in there.
• 28:42
  Speaker 1: Tofu very budget friendly. But also my favorite thing about
• 28:45
  Speaker 1: tofu is it soaks up all the flavors, so if
• 28:47
  Speaker 1: you put it in earlier, it's going to taste even better.
• 28:50
  Speaker 1: My favorite part about it is I feel like if
• 28:52
  Speaker 1: you invite friends over for a risotto, it feels a
• 28:54
  Speaker 1: little bit fancy, So ask them to bring a nice
• 28:57
  Speaker 1: bottle of black white wine. Bam, you've got a date.
• 29:00
  Speaker 1: You've got a date night. It's a stunning meal. I mean,
• 29:03
  Speaker 1: you can be fancy and add things like palmesan cheese,
• 29:05
  Speaker 1: but to me, that racks up the cost. You don't
• 29:07
  Speaker 1: necessarily need that, but top your favorite little rosotto with
• 29:12
  Speaker 1: some nutritional yeast. You good to go to that. Speak
• 29:15
  Speaker 1: at your names.
• 29:16
  Speaker 4: We're about to speak to our producer who's had his
• 29:18
  Speaker 4: name Jim Palmesan.
• 29:20
  Speaker 1: Well, she's been jumping up and down. She's like, I've
• 29:22
  Speaker 1: got one, I've got one, and I'm like, is this
• 29:23
  Speaker 1: your show? She's the producer. Hi, she's the main character.
• 29:29
  Speaker 5: My name's Anlisa. Welcome to She's on the money. No, guys,
• 29:32
  Speaker 5: I was just getting so excited about this episode because
• 29:35
  Speaker 5: I have lived very frugally from time to time, and
• 29:37
  Speaker 5: I do enjoy I'm my father's daughter, So my dad
• 29:41
  Speaker 5: is like the king of firstly the king of the kitchen,
• 29:43
  Speaker 5: but also the king of like reusing things and and
• 29:46
  Speaker 5: actually making them. This is quintessential cost of living core.
• 29:50
  Speaker 5: So it's actually it's not just about like getting by,
• 29:52
  Speaker 5: it's about making it better and like enriching it by
• 29:55
  Speaker 5: doing it. So you know what my dad does if
• 29:57
  Speaker 5: he cooks a roaster, if you have like a roast chicken,
• 30:00
  Speaker 5: save all the bones, like when when you strip the
• 30:03
  Speaker 5: meat off, put them in a bag in the freezer.
• 30:05
  Speaker 5: With the veggie peelings over the course of a couple
• 30:07
  Speaker 5: of weeks. If you have like a meat roast or something,
• 30:10
  Speaker 5: you save the bone, put it in and then you
• 30:12
  Speaker 5: do a big boil up with some bay leaves, salt,
• 30:16
  Speaker 5: some pepper and cardamen and you make a broth. And
• 30:21
  Speaker 5: that bone. That broth is like I just did it
• 30:25
  Speaker 5: the other day. It is so it is so much
• 30:27
  Speaker 5: better than anyone that you will buy. So you are
• 30:29
  Speaker 5: actually using things, you're making a better product. And then
• 30:33
  Speaker 5: I will make an Asian noodle soup which was something
• 30:36
  Speaker 5: like that, or add that to another soup, and it.
• 30:38
  Speaker 1: Is like use that in your risotto. Be I'm telling
• 30:40
  Speaker 1: you you can.
• 30:41
  Speaker 5: And it's it is, no kidding, one hundred times better
• 30:44
  Speaker 5: than anything you can buy. So I just had to
• 30:46
  Speaker 5: jump in there and like represent a bit of Gary redlick.
• 30:50
  Speaker 1: He'd be broad, he'd be broad that I was showing that.
• 30:52
  Speaker 1: He got a shout out on the pod today. Do
• 30:54
  Speaker 1: you let him know he's not even in his country,
• 30:57
  Speaker 1: but that doesn't matter.
• 30:59
  Speaker 5: He'll sell it in his bones, not his but the
• 31:06
  Speaker 5: ones he's been collected.
• 31:07
  Speaker 1: Yes, yes for broth, Yes, I love that.
• 31:10
  Speaker 5: But just thought I tighting but thank you for sharing.
• 31:13
  Speaker 5: I will get back off mike Robe belong now and
• 31:14
  Speaker 5: leave you.
• 31:15
  Speaker 1: To it, but we'll drag her on later.
• 31:18
  Speaker 4: I love it seen but not heard, please, I thought
• 31:20
  Speaker 4: you were going to talk about bubble and skork.
• 31:22
  Speaker 1: So there's so many things that we can do with food, right,
• 31:25
  Speaker 1: I feel like we're all good at that. We think
• 31:26
  Speaker 1: about food, we think about have you ever done a
• 31:29
  Speaker 1: cheese date where you have to take one cheese and
• 31:31
  Speaker 1: then all the friends take a cheese like instead of having, like,
• 31:35
  Speaker 1: you know, one friend do the cheese platter, which is
• 31:37
  Speaker 1: absolutely obnoxious. You're on hard cheese and a Lisa might
• 31:40
  Speaker 1: be on a soft cheese. I'm on a specific type
• 31:43
  Speaker 1: of condiment that goes with it, and we all have
• 31:45
  Speaker 1: to bring that, and then we do the community cheese board,
• 31:49
  Speaker 1: and then you have this epic community cheese board and
• 31:51
  Speaker 1: it didn't cost everyone an absolute bomb. Anyway. That's a
• 31:54
  Speaker 1: good idea. But let's move off food because as much
• 31:56
  Speaker 1: as our team adores a good snacko, there's so many
• 31:59
  Speaker 1: other things we could do, like gifts. Yes, let's talk
• 32:02
  Speaker 1: about regifting. Regifting regifting.
• 32:05
  Speaker 4: I automatically went to reusing paper cardboard et cetera, et cetera,
• 32:09
  Speaker 4: to give gifts, but regifting is also a really good idea.
• 32:13
  Speaker 1: You gave me a gift this morning, bag I did,
• 32:15
  Speaker 1: and I was looking at the paper and I was like, hmm,
• 32:16
  Speaker 1: I wonder if we could use it. Did you see
• 32:18
  Speaker 1: what I did with it? Or did you put it
• 32:19
  Speaker 1: in your bag? I folded it up and to go
• 32:21
  Speaker 1: good for you. It was so cute and it was
• 32:24
  Speaker 1: like that thicker paper. I was like, this is expensive.
• 32:26
  Speaker 1: You want to check about It's going in my my
• 32:28
  Speaker 1: wrapping paper drawer. Yeah, great idea, But what are your thoughts?
• 32:31
  Speaker 1: What happens if you get given a gift? And I
• 32:33
  Speaker 1: guess this is only me saying it because I've written
• 32:35
  Speaker 1: down gifts to talk about on the pod, So I
• 32:38
  Speaker 1: feel like I'm kind of awkward now talking about this
• 32:40
  Speaker 1: because I actually adore the gift that you've given me.
• 32:42
  Speaker 1: You will never see me regifted. But what do you
• 32:46
  Speaker 1: think about regifting? Do you think it's the right thing
• 32:48
  Speaker 1: to do, but the right thing to do? Like, I
• 32:49
  Speaker 1: think it's a frugal thing to do.
• 32:50
  Speaker 4: I think it's absolutely fine, But I think I probably
• 32:53
  Speaker 4: gift different. I'll find something very strange and gifted as
• 32:58
  Speaker 4: more of a jokey gift.
• 32:59
  Speaker 1: So that kind.
• 33:00
  Speaker 4: Of thing, like something that's under five dollars, say, like
• 33:03
  Speaker 4: a weird bottle opener or something no context behind it
• 33:06
  Speaker 4: and it's just very funny and you know, nothing that
• 33:08
  Speaker 4: was going to break the bank.
• 33:09
  Speaker 1: Basically is how I like to gift.
• 33:11
  Speaker 4: So those things are absolutely fine to regift because they're
• 33:15
  Speaker 4: useless but also funny, so you can regift it. But
• 33:18
  Speaker 4: even like if it's something more expensive, I think that
• 33:20
  Speaker 4: it's absolutely fine to regift.
• 33:22
  Speaker 1: I agree one probably keep track of who gifted it
• 33:25
  Speaker 1: to you so you don't give it back to them
• 33:26
  Speaker 1: because that could be awkward. But going back to this
• 33:29
  Speaker 1: reframing concept, I think we need to also reframe gifts,
• 33:32
  Speaker 1: so like a gift is something that I give you
• 33:35
  Speaker 1: beck or give somebody else to let them know that
• 33:38
  Speaker 1: I appreciate them and I want to celebrate them by
• 33:42
  Speaker 1: me partaking in the act of giving you that gift.
• 33:46
  Speaker 1: We did it. So what happens to that gift after that?
• 33:50
  Speaker 1: I don't think it matters too much, yea. And I
• 33:52
  Speaker 1: know people get really like tied up and they're like, oh,
• 33:54
  Speaker 1: they didn't like the gift. No, no, no, I loved the gift.
• 33:56
  Speaker 1: I was thought of. You put some time and energy
• 33:59
  Speaker 1: in thinking about something I might like. Maybe if I
• 34:02
  Speaker 1: didn't like it, I've gone and gifted it to somebody else.
• 34:05
  Speaker 1: And the gift was the fact that I didn't have
• 34:06
  Speaker 1: to buy them at present. But I think the act
• 34:10
  Speaker 1: of me giving you that gift, that's the gift in itself.
• 34:14
  Speaker 1: Like the gift served its purpose. I felt appreciated, I
• 34:17
  Speaker 1: felt thought about, and that's what you wanted from the gift,
• 34:20
  Speaker 1: right totally, So now we can love it and leave
• 34:23
  Speaker 1: it alone. I love that. Do you know what my
• 34:25
  Speaker 1: theory is? What's your theory?
• 34:26
  Speaker 4: You know those soap gift things come like soaps. I
• 34:30
  Speaker 4: reckon there is at least one out there that has
• 34:33
  Speaker 4: been regifted and regifted and it's just not been open
• 34:36
  Speaker 4: for twenty years, and now it's just found its way
• 34:39
  Speaker 4: somewhere else, because those are the most regifted things in
• 34:41
  Speaker 4: the world. So I almost want to receive one so
• 34:44
  Speaker 4: I can give it to someone else.
• 34:45
  Speaker 1: I was at Christmas time, actually, someone gave me a
• 34:49
  Speaker 1: real fancy box of lint ball chocolate. Yes, and I
• 34:53
  Speaker 1: love a lint ball, but I'd forgotten that I was
• 34:56
  Speaker 1: going in my parents' house for dinner. Perfect him, um, stunning.
• 35:01
  Speaker 1: I thought I listened to this episode please, But yeah,
• 35:03
  Speaker 1: I kind of regifted that that was good, but it
• 35:05
  Speaker 1: served its purpose. I was so excited that the stress
• 35:09
  Speaker 1: of having to pick something up on the way gone
• 35:12
  Speaker 1: totally and you can still eat them. Another thing I
• 35:14
  Speaker 1: really like doing that. I'm not sure you should do
• 35:16
  Speaker 1: because I don't think you can be trusted is DIY
• 35:19
  Speaker 1: beauty services? Oh yeah, don't trust me, So beauty services
• 35:23
  Speaker 1: for me, I think is a great DIY. I'm someone
• 35:26
  Speaker 1: who paints my nails and everyone's like, oh my gosh,
• 35:28
  Speaker 1: you're so good at painting your nails. I could never
• 35:31
  Speaker 1: I painted my nails like a toddler for a very
• 35:34
  Speaker 1: very long time. Like you know where you get it
• 35:36
  Speaker 1: all over your skin? Yes? Do you know the best
• 35:38
  Speaker 1: thing about that? If you use normal nail pollution, then
• 35:40
  Speaker 1: get it on your skin. You can go in the shower,
• 35:42
  Speaker 1: gets a bit warm, you just scritch it off and
• 35:43
  Speaker 1: then your nails are great. That's a great idea. I'm
• 35:46
  Speaker 1: not saying that that's the way we should always do it,
• 35:48
  Speaker 1: but when it comes to doing your own nails, practice
• 35:50
  Speaker 1: makes perfect, and I do my own. I don't go
• 35:51
  Speaker 1: and see someone else anymore, not because I don't value it.
• 35:55
  Speaker 1: I just one. I kind of like the active self care.
• 35:58
  Speaker 1: I always do it. Put f where Island or something on, yes,
• 36:01
  Speaker 1: And I like paint my nails and have a good
• 36:03
  Speaker 1: time and I just love doing it. But I also
• 36:06
  Speaker 1: love that I get to do it for myself, and
• 36:07
  Speaker 1: I've just gotten really good at it over time. I've
• 36:09
  Speaker 1: picked up a few different tools and things that I
• 36:13
  Speaker 1: wanted to purchase, and all of them have been less
• 36:15
  Speaker 1: than I guess the cost of a salon visit. And
• 36:19
  Speaker 1: not everyone cares about their nails, Like so many people
• 36:22
  Speaker 1: could not give to flying whatever is about doing their
• 36:26
  Speaker 1: own nails. But like, if there's something that you could
• 36:28
  Speaker 1: do yourself, is it possible? I mean I wouldn't risk
• 36:31
  Speaker 1: becoming blonde. I mean you would, you definitely would send
• 36:34
  Speaker 1: yourself blonde at home, but I wouldn't risk that. But
• 36:37
  Speaker 1: there are just things in my budget, Like I don't
• 36:39
  Speaker 1: get eyelash extensions anymore because I'm just so aware of
• 36:43
  Speaker 1: how much they were adding up, and I was like, oh,
• 36:45
  Speaker 1: I love it, not saying forever I will not have
• 36:47
  Speaker 1: lash extensions. Like there's something about and Beck. I don't
• 36:50
  Speaker 1: know if you ever resonate with this, but far out
• 36:53
  Speaker 1: I feel fifty times prettier with a set of really
• 36:55
  Speaker 1: nice slashes on. Oh my god, the confidence that that
• 36:59
  Speaker 1: instills in me is wild. Like I feel once I
• 37:02
  Speaker 1: get them taken off. Even though I have nice, natural,
• 37:06
  Speaker 1: normal eyelashes, I feel like a bald bandicoot. The second
• 37:09
  Speaker 1: they're gone, I'm like, what has happened? Everyone's going to
• 37:12
  Speaker 1: think I'm so ugly. Oh no, But I decided that
• 37:15
  Speaker 1: that wasn't in my budget for a little while because
• 37:16
  Speaker 1: it was just adding up and it was something that
• 37:18
  Speaker 1: one took a lot of time. But also I just
• 37:20
  Speaker 1: wasn't getting the value out of it, so I took
• 37:23
  Speaker 1: that out of my budget. Doing my own nails, I
• 37:25
  Speaker 1: do my own tan at home like I hardly ever
• 37:27
  Speaker 1: ever ever. I think the last time I got was
• 37:29
  Speaker 1: my wedding, and prior to that, I don't think I'd
• 37:31
  Speaker 1: ever had a professional spray tan right. Do that at
• 37:33
  Speaker 1: home as well. Do my own eyebrows at home, Yeah, like,
• 37:36
  Speaker 1: I love doing it. I will go out occasionally, but
• 37:39
  Speaker 1: I think that there's something about embracing and learning more
• 37:41
  Speaker 1: about being able to do that so if you're like, oh,
• 37:44
  Speaker 1: I could never paint my own nails, why why can't
• 37:47
  Speaker 1: you just give it a crack? Why can't you just
• 37:48
  Speaker 1: have a turn, Like do it when you're not going
• 37:50
  Speaker 1: to a really big event. Obviously, don't try it the
• 37:53
  Speaker 1: day before because that would send me into a meltdown.
• 37:56
  Speaker 1: But I think it's yeah, very sexy. You're good at
• 37:58
  Speaker 1: beauty services act now I think about it deeply.
• 38:01
  Speaker 4: Back, I am. I do do everything at home myself.
• 38:04
  Speaker 4: I've never been to a hairdresser. I only used to
• 38:07
  Speaker 4: maybe get my eyes your own hair, I cut my
• 38:09
  Speaker 4: own hair. Just someone else do that for you. You
• 38:11
  Speaker 4: don't know what you just have had it I do.
• 38:13
  Speaker 1: But you look like you're so cool. Oh thank you,
• 38:16
  Speaker 1: that's so nice. I think you're just good at it.
• 38:18
  Speaker 4: I've done it for so long for starters. But also
• 38:20
  Speaker 4: I don't care enough about like, if it's long at the.
• 38:23
  Speaker 1: Back, you literally have a mullet. I probably haven't.
• 38:27
  Speaker 4: I'm so happy to just get like literal paper scissors
• 38:30
  Speaker 4: and cut I don't actually too much. So if you
• 38:33
  Speaker 4: do value the quality or the health of your hair
• 38:36
  Speaker 4: and you want it a certain way, maybe don't do
• 38:39
  Speaker 4: it at home.
• 38:39
  Speaker 1: I'm glad I gifted you Oliplex because you sure need it.
• 38:42
  Speaker 4: I use the whole bottle was great, but not even like,
• 38:44
  Speaker 4: you know, make my hair blonde and.
• 38:46
  Speaker 1: Yep, stunning for your Barbie party. You might have seen
• 38:48
  Speaker 1: that you came as.
• 38:50
  Speaker 4: Blonde can yeah, and you might have thought, wow, she's
• 38:52
  Speaker 4: bleached her hair.
• 38:53
  Speaker 1: Actually thought you'd bleach your hair again. And I was like,
• 38:56
  Speaker 1: this is commitment, Like you turned up, you were a
• 38:59
  Speaker 1: hot don't worry, thank you, But also what did you do?
• 39:03
  Speaker 4: So believe it or not, VICKI d I spent less
• 39:07
  Speaker 4: than twenty dollars on this whole outfit. So the actual
• 39:11
  Speaker 4: stuff that was in my hair was spray paint.
• 39:13
  Speaker 1: What was so sorry? Hair spray? Do you know what?
• 39:15
  Speaker 1: I wouldn't be surprised if you said I put actual
• 39:17
  Speaker 1: spray paint in my hair, I'd be like, of course
• 39:19
  Speaker 1: she did.
• 39:19
  Speaker 4: It's back, that's very nice. I wasn't opposed to the idea,
• 39:23
  Speaker 4: it's just that this was cheaper. So I love two
• 39:25
  Speaker 4: dollar shops. I really think that you can might anything
• 39:28
  Speaker 4: at a two dollar shop. Yeah, and I don't know
• 39:30
  Speaker 4: if I'm missing something here, but they're so cheap like days,
• 39:34
  Speaker 4: so For example, I don't if I'm pronouncing that right,
• 39:37
  Speaker 4: dizo dizo. It is so cheap, and I just can't
• 39:40
  Speaker 4: imagine why you would spend more anywhere else.
• 39:42
  Speaker 1: Like it's like when people buy a bag of oats,
• 39:45
  Speaker 1: why buying the brand name o? Yes, exactly, I just
• 39:48
  Speaker 1: don't get it. I don't think I'll ever get that.
• 39:50
  Speaker 1: I don't care how much money I have. One day,
• 39:52
  Speaker 1: I hope to be worth millions. Ye's not gonna happen,
• 39:55
  Speaker 1: but one day, yeah, I'll still buy home brand notes. Like,
• 39:57
  Speaker 1: I just can't justify it totally. I mean, bring money
• 40:00
  Speaker 1: down the drain. What do you mean You're buying brand
• 40:02
  Speaker 1: name flour and sugar? Is it not the same thing? Totally?
• 40:06
  Speaker 4: What I do understand that there are some things that
• 40:08
  Speaker 4: are more ethically sourced and stuff like that.
• 40:10
  Speaker 1: So that's not the conversation we're having here today. I
• 40:13
  Speaker 1: think that there's definitely a conversation to have about ethics, sure,
• 40:17
  Speaker 1: but I think we also need to overlay the fact
• 40:20
  Speaker 1: that sometimes ethics are not feasible to one thousand percent
• 40:25
  Speaker 1: take into consideration. Sometimes we're doing the best that we
• 40:28
  Speaker 1: possibly can. Yeah, totally mean, Like I feel like a
• 40:30
  Speaker 1: lot of people, and we've done episodes on ethical investing,
• 40:33
  Speaker 1: We've done episodes on you know, fast fashion and our
• 40:36
  Speaker 1: thoughts on them, and I think, you know, it's a
• 40:39
  Speaker 1: privilege and I'm not someone who buys fast fashion because
• 40:42
  Speaker 1: I have the absolute privilege of being able to make
• 40:44
  Speaker 1: that decision. Totally.
• 40:46
  Speaker 4: No, I completely agree. That's not the conversation we're having today,
• 40:48
  Speaker 4: but I just wanted to let people know that. I
• 40:50
  Speaker 4: think it's important to point out too, in.
• 40:51
  Speaker 1: Case people come and say, you know.
• 40:53
  Speaker 4: Oh, truly, we can't know, which I completely understand the
• 40:57
  Speaker 4: side of and I completely do try and do that,
• 40:59
  Speaker 4: but yes, we are talking about sometimes it not being feasible.
• 41:02
  Speaker 1: And what I'm saying is this hairspray that I bought
• 41:05
  Speaker 1: was like.
• 41:05
  Speaker 4: Three dollars money win, and the little bum bag that
• 41:08
  Speaker 4: you might have seen that was hot, Yeah, very cheap.
• 41:10
  Speaker 1: I think it was like ten dollars or so. Having
• 41:12
  Speaker 1: their snacks kids, there was a vape in there was.
• 41:16
  Speaker 4: Three vapes in there, and chewing gum just in case
• 41:21
  Speaker 4: you never know when you're gonna get a little smooch,
• 41:22
  Speaker 4: and I didn't get one, so that could have been thrown.
• 41:25
  Speaker 1: Not a single one. I'm surprised. You looked hot as hell.
• 41:28
  Speaker 1: Thank you, that's so nice. Maybe it was because you
• 41:30
  Speaker 1: had three vapes. People were like red flag. Maybe that's true.
• 41:34
  Speaker 1: I opened it up to get the gum out forest mood. Yeah, yeah,
• 41:38
  Speaker 1: that was the vapes.
• 41:39
  Speaker 4: No illegal, I think they are, but they're getting there anyway.
• 41:43
  Speaker 4: That's I would say, probably the best course of action. Also,
• 41:46
  Speaker 4: like I wanted to get a scarf to look more
• 41:48
  Speaker 4: like ken four dollars money win. I didn't actually buy it,
• 41:53
  Speaker 4: but I thought about it, and I was like four bucks.
• 41:55
  Speaker 1: You didn't buy it like five finger discount, or you
• 41:59
  Speaker 1: just didn't wear us. Oh no, I mean I didn't
• 42:01
  Speaker 1: wear a scarf. I should say, I should say here,
• 42:03
  Speaker 1: I am being like you said, four dollars money in
• 42:05
  Speaker 1: for this scaff but I didn't buy it. It sounded
• 42:08
  Speaker 1: a lot like you stole it.
• 42:10
  Speaker 4: Ba See I just put it on walked straight out
• 42:12
  Speaker 4: of that at all.
• 42:14
  Speaker 1: It all.
• 42:14
  Speaker 4: What I'm saying is go to two dollars shops. You
• 42:16
  Speaker 4: might be surprised by what you'll find in there. That's
• 42:18
  Speaker 4: not that bad of quality, you know.
• 42:20
  Speaker 1: I agree. The reject shop is also another good one.
• 42:22
  Speaker 1: I love reject shop. I love the reject shop. There's
• 42:24
  Speaker 1: one in the suburb that I live in, and they're great,
• 42:27
  Speaker 1: like I've walked around so many times. Also, the food
• 42:30
  Speaker 1: section in the reject shop changes all the time, so
• 42:34
  Speaker 1: you can't get consistency out of them, but they are
• 42:36
  Speaker 1: definitely cheap, so definitely check out that. I feel like
• 42:40
  Speaker 1: there's so many ideas, but at the end of the day,
• 42:42
  Speaker 1: I feel like cost of living care we're embracing. We
• 42:44
  Speaker 1: think it's very sexy, but there are a few things
• 42:47
  Speaker 1: that we can do to get ourselves I guess more
• 42:49
  Speaker 1: on track. So I know it's not sexy back, but
• 42:52
  Speaker 1: I'm going to recommend we do our budget. I'm going
• 42:54
  Speaker 1: to sit down with you and do a budget really soon,
• 42:55
  Speaker 1: thank you, and we're going to talk through what it
• 42:57
  Speaker 1: looks like, how it works, how to budgets so that
• 43:00
  Speaker 1: you don't feel like you're being restricted. So you need
• 43:04
  Speaker 1: to look at your budget and cash flow because that's
• 43:06
  Speaker 1: just a tool to tell you what's coming in and
• 43:09
  Speaker 1: then what's going out, as opposed to saying, oh, I Beck,
• 43:11
  Speaker 1: you now need to reduce how much to spending on grocery.
• 43:13
  Speaker 1: It's like no, no, no. If you're comfy with it,
• 43:15
  Speaker 1: let's be comfy with it. Let's just understand how you're
• 43:18
  Speaker 1: putting those dollars to work, because you might be surprised
• 43:22
  Speaker 1: to find that vapes are really expensive and maybe you
• 43:24
  Speaker 1: didn't need three, you know, So I think you end
• 43:27
  Speaker 1: up being quite confronted with your own costs and you
• 43:30
  Speaker 1: might go far out. I didn't realize that I'm spending
• 43:32
  Speaker 1: that much on a barbie party. Not willing to do
• 43:34
  Speaker 1: my budget this month, So sit down, do your budget.
• 43:37
  Speaker 1: Something else if you're really struggling is our friends at
• 43:40
  Speaker 1: the National Debt Helpline. They have free financial counseling services.
• 43:43
  Speaker 1: So I think that if you need a bit more
• 43:45
  Speaker 1: emotional support, or even just to chat one on one
• 43:48
  Speaker 1: with somebody, because unfortunately that she's on the money community.
• 43:50
  Speaker 1: Like we've got this podcast and we try as hard
• 43:52
  Speaker 1: as possible, but like we can't give you personal advice,
• 43:55
  Speaker 1: So if you're in a little bit of a pickle,
• 43:57
  Speaker 1: maybe give them a buzz and have a chat because
• 43:59
  Speaker 1: they are some of the most delightful people in the
• 44:01
  Speaker 1: entire world. And as always we will put the link
• 44:04
  Speaker 1: to them in the show notes so that you can
• 44:06
  Speaker 1: find some more information, do a comparison, go through your bills,
• 44:11
  Speaker 1: so like, this is something that I haven't done in
• 44:13
  Speaker 1: a really long time. And I was actually talking to
• 44:15
  Speaker 1: Josh who's on reception at AARN and I love him,
• 44:17
  Speaker 1: Like I'm calling it now, He's going to be talent
• 44:19
  Speaker 1: one day and you're going to see him and I'm
• 44:22
  Speaker 1: going to be like, I knew him before he was famous. Agree,
• 44:24
  Speaker 1: It's like you right, I knew her before she was famous. Oh,
• 44:27
  Speaker 1: but he and I were talking about our phone bills
• 44:29
  Speaker 1: because I feel like I just walk around to the
• 44:31
  Speaker 1: AARN office talking about money stuff. I'm like, oh, you're
• 44:34
  Speaker 1: no money saving tip, I got one for you. Anyway,
• 44:36
  Speaker 1: we're both comparing our phone bills and he was with
• 44:39
  Speaker 1: a Masim. I'm now switching to a Masim because it
• 44:42
  Speaker 1: was such a good deal for the amount of data
• 44:44
  Speaker 1: he was getting for the cost he was paying. I
• 44:46
  Speaker 1: was like, I'm not getting up. I'm paying like double
• 44:48
  Speaker 1: what the heck in And then I was like, but
• 44:50
  Speaker 1: is there an issue with coverage? He's like absolutely not,
• 44:53
  Speaker 1: like things have come around wow. And I was like, okay,
• 44:56
  Speaker 1: well I'm all in. So anyway, I think we should
• 44:58
  Speaker 1: always go through our budgets and question things. So even
• 45:02
  Speaker 1: if you're like, no, no, no. I went through and I
• 45:04
  Speaker 1: checked my energy a couple of years ago and I
• 45:06
  Speaker 1: picked the right one. Have you double checked it? Have
• 45:08
  Speaker 1: you made sure that's the best option, Because loyalty tax,
• 45:12
  Speaker 1: which we've done a whole episode on, is real and
• 45:15
  Speaker 1: they might just be adding it up. Maybe you haven't
• 45:17
  Speaker 1: seen a new sign on offer that would save you
• 45:20
  Speaker 1: a whole heap of dosh, and I think that that's
• 45:21
  Speaker 1: a really important thing to do. So check everything out
• 45:25
  Speaker 1: and make sure that you are getting the best possible deal.
• 45:27
  Speaker 1: Because even if you were getting the best deal, which
• 45:29
  Speaker 1: to be honest, back with my other mobile coming, I
• 45:32
  Speaker 1: thought I was. Turns out now things have changed, So
• 45:36
  Speaker 1: definitely be on it and kind of keep your finger
• 45:38
  Speaker 1: on the poles. That's a great idea. You have spoken
• 45:40
  Speaker 1: historically about food banks. Yes, great, how do we find
• 45:43
  Speaker 1: information about that? Like, tell me a bit more about that,
• 45:46
  Speaker 1: because I feel like, right now, yeah, that's the thing
• 45:48
  Speaker 1: that we should be sharing.
• 45:49
  Speaker 4: I think that depending on where you live, you might
• 45:52
  Speaker 4: have what is called like a good calm and at work,
• 45:54
  Speaker 4: or like something that's on Facebook that kind of like
• 45:56
  Speaker 4: binds your community together and you might be able to
• 45:59
  Speaker 4: look for food, pains, trees or just keep up to
• 46:01
  Speaker 4: date with what's going on around your area. But if
• 46:03
  Speaker 4: you google it or even like, I don't know if
• 46:05
  Speaker 4: you've heard of lentils as anything. I don't know if
• 46:06
  Speaker 4: they're still a thing.
• 46:07
  Speaker 1: They're not, but we can talk about them. Can we
• 46:09
  Speaker 1: still about them? They were so cool. That was so
• 46:12
  Speaker 1: great pay what you can afford. I loved that idea.
• 46:15
  Speaker 1: So for those of you who aren't in Melbourne, it
• 46:17
  Speaker 1: was a restaurant where you could go and eat a
• 46:20
  Speaker 1: meal and pay what you could afford, and if you
• 46:23
  Speaker 1: couldn't afford anything, well you didn't pay anything totally.
• 46:25
  Speaker 4: And the way I think that they kind of had
• 46:27
  Speaker 4: that running was the people inside the kitchen with volunteers
• 46:30
  Speaker 4: I believe, so wholesome.
• 46:31
  Speaker 1: It was just perfect.
• 46:33
  Speaker 4: If you couldn't pay anything, then you would commit to
• 46:35
  Speaker 4: like volunteering for a couple of hours or something. So
• 46:37
  Speaker 4: it was just perfect. But anyway, that is very very
• 46:40
  Speaker 4: sad to hear. I would say, just google what's near you.
• 46:42
  Speaker 4: I know what's around Brunswick because they live there. But
• 46:45
  Speaker 4: I do want to say our producer is just let
• 46:47
  Speaker 4: us know that there is this place you can go
• 46:49
  Speaker 4: it's called ask izzy, a free online directory for support
• 46:52
  Speaker 4: services around Australia run by tech not for profit info Exchange.
• 46:56
  Speaker 4: So ask izzy basically provides the public with information tax
• 47:00
  Speaker 4: for services relevant to their needs and in their area.
• 47:04
  Speaker 1: So everything that's really wholesome. Thank you for sharing that.
• 47:06
  Speaker 4: Everything from housing assistance and legal representation to public toilets.
• 47:10
  Speaker 1: Oh, everything, everything, everything, all the way till the bathroom
• 47:14
  Speaker 1: sink exactly. Bathroom sink that you can use. That's great,
• 47:17
  Speaker 1: Thank you producer. Oh, I'm glad that she gave us that.
• 47:20
  Speaker 1: But ask Ezzi is a really cool resource. I've seen
• 47:23
  Speaker 1: it floating around. Also something else before we go, libraries, Oh,
• 47:28
  Speaker 1: free resources. I think the libraries are one of the
• 47:30
  Speaker 1: last places you can go to hang out in public
• 47:34
  Speaker 1: that don't expect you to have some kind of financial exchange. True,
• 47:38
  Speaker 1: Like you can turn up with a bottle of water
• 47:40
  Speaker 1: and read a book for a few hours and no
• 47:42
  Speaker 1: one's going to ask you to buy a coffee or
• 47:44
  Speaker 1: like you know, put money anywhere. And I think that
• 47:46
  Speaker 1: that's really wholesome. I love that. All right. Well, I
• 47:48
  Speaker 1: am not done talking about the cost of living core,
• 47:52
  Speaker 1: but I feel like we've run out of time unfortunately,
• 47:54
  Speaker 1: so let's continue this conversation online. Guys, please post in
• 47:58
  Speaker 1: our community all of your tips and tricks. Slide into
• 48:00
  Speaker 1: our DMS. Slide into Beck's DMS with your cost of
• 48:03
  Speaker 1: care living tips because each week on our Friday episode,
• 48:05
  Speaker 1: Beck does the broke tip, and I feel like she's
• 48:08
  Speaker 1: starting to run out of ideas. And when I say
• 48:10
  Speaker 1: run out of ideas, she forgets what she's talked about
• 48:12
  Speaker 1: and what she hasn't So please go and give Beck
• 48:15
  Speaker 1: your tips and us your tips, because we want to
• 48:17
  Speaker 1: be able to share them. And I think that there's
• 48:18
  Speaker 1: something really sexy about taking our power back and actually
• 48:22
  Speaker 1: becoming financially confident, even when we might not have as
• 48:26
  Speaker 1: much money as we would like to have. Love that
• 48:28
  Speaker 1: all right, Well, we'll see you guys on Friday. Have
• 48:30
  Speaker 1: the best week. We love you so much. Bye, guys.
• 48:39
  Speaker 6: The advice shared on She's on the Money is general
• 48:41
  Speaker 6: in nature and does not consider your individual circumstances. She's
• 48:45
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• 48:47
  Speaker 1: Educational purposes and should not be relied upon to make
• 48:50
  Speaker 1: an investment or financial decision. If you do choose to
• 48:53
  Speaker 1: buy a financial product.
• 48:54
  Speaker 6: Read the PDS, TMD and obtain appropriate financial advice tailored
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• 49:02
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