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FRIDAY DRINKS: Update your address!! · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. Welcome back to another
• 0:30
  Speaker 2: one of our Friday Drinks.
• 0:32
  Speaker 3: Episodes and as you guys.
• 0:33
  Speaker 2: Know, still from Lockdown, where we get to celebrate the
• 0:37
  Speaker 2: wins from our She's on the Money community. This week
• 0:40
  Speaker 2: in particular, we have had some really good conversations in
• 0:44
  Speaker 2: our team Slack group about what you guys have been
• 0:47
  Speaker 2: up to and I can't wait to dive into it.
• 0:49
  Speaker 2: But before we get there, Tony, what happened on our
• 0:52
  Speaker 2: Monday morning money Diary?
• 0:54
  Speaker 4: Our money direst this week talked about how she had
• 0:58
  Speaker 4: this perfect life at Perfect Life in New Zealand, the boat,
• 1:02
  Speaker 4: the house by the water, super happy, and then went
• 1:06
  Speaker 4: through a divorce and kind of packed up, paid off
• 1:09
  Speaker 4: of a debt and.
• 1:10
  Speaker 3: Moved overseas and to Thailand.
• 1:12
  Speaker 1: Yeah, moved to Thailand.
• 1:14
  Speaker 4: She's teaching over there and she's loving it. And while
• 1:17
  Speaker 4: she did say that it hasn't been the perfect you know,
• 1:20
  Speaker 4: holiday life with COVID going on and everything, but she's
• 1:24
  Speaker 4: loving it and she's making great money and she's like
• 1:27
  Speaker 4: still contributing to her Kiwi Saver, which is very cool.
• 1:30
  Speaker 2: Very important as well, guys, uh.
• 1:32
  Speaker 4: Huh yeah, And it was a really good listen, just
• 1:36
  Speaker 4: real eye opening one to kind of you don't really
• 1:38
  Speaker 4: understand what's going on behind closed doors. And while someone's
• 1:42
  Speaker 4: life might seem so perfect and so easy, it's you know,
• 1:45
  Speaker 4: it can be really hard. So there's a great listen
• 1:47
  Speaker 4: if you've if you've got a spare halfer, you've got a.
• 1:50
  Speaker 3: Spare halfer, you probably should check it out.
• 1:52
  Speaker 2: I also really liked that episode, Tony, because I feel
• 1:55
  Speaker 2: like we don't often get to see the flip side
• 1:58
  Speaker 2: of a relationship. It's always, you know, on She's on
• 2:01
  Speaker 2: the money. We've had a number of I guess cheating
• 2:03
  Speaker 2: stories where our Money Diarist has been cheated on in
• 2:07
  Speaker 2: one way or another, or someone's been unfaithful, and this
• 2:10
  Speaker 2: story was the flip, like our Money Diarist was the
• 2:13
  Speaker 2: person who cheated on their partner, and I found it
• 2:16
  Speaker 2: really eye opening seeing from their point of view of
• 2:19
  Speaker 2: what was going on and how that worked. And it
• 2:21
  Speaker 2: doesn't normalize it, it doesn't make it okay, but I
• 2:24
  Speaker 2: just found it really interesting, maybe because I'm always into
• 2:26
  Speaker 2: the pervy stuff, Tony, but just to see from the
• 2:29
  Speaker 2: other side, like how did you get there?
• 2:32
  Speaker 3: What does that mean?
• 2:33
  Speaker 2: Because I think we all say things like I'd never
• 2:35
  Speaker 2: x y Z, But up until the point in the
• 2:38
  Speaker 2: Money Diary where she said it was actually me. I
• 2:39
  Speaker 2: think Tony, you and I were on zoom and we're like, oh,
• 2:42
  Speaker 2: he's gonna have cheated on her, Like I could.
• 2:44
  Speaker 3: See it coming.
• 2:45
  Speaker 2: But then she was like, then I cheated on him,
• 2:47
  Speaker 2: and I was like, oh, oh, that's not what I expected.
• 2:51
  Speaker 2: And it was just so authentic of her to share
• 2:54
  Speaker 2: that and being open and honest about that. I think
• 2:57
  Speaker 2: was just really special from our community that she trusted
• 3:00
  Speaker 2: us with that story, because it's not often that you
• 3:02
  Speaker 2: turn around and be like, oh, hey, jes, I did
• 3:04
  Speaker 2: XYZ to my partner, because you would often expect a
• 3:08
  Speaker 2: lot of judgment in return. But for her to trust
• 3:10
  Speaker 2: us with that story was really special. And I've got
• 3:13
  Speaker 2: now nothing but respect for her and her journey and
• 3:15
  Speaker 2: what she's doing to like just be who she wants
• 3:18
  Speaker 2: to be moving forward. So I think, yeah, it was
• 3:21
  Speaker 2: just really special to share that story, and I guess
• 3:23
  Speaker 2: learn from it, and that's what we're all about as
• 3:25
  Speaker 2: a community, is like learning from each other's mistakes and
• 3:28
  Speaker 2: learning from each other's journeys, and I think that's, yeah,
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  Speaker 2: from my perspective, really special. So moving away from that,
• 3:35
  Speaker 2: miss Jessica Rici, what did we do on this Wednesday's episode?
• 3:41
  Speaker 5: Well, perhaps in an appropriate follow up from that, we
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  Speaker 5: spoke about binding financial agreements.
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  Speaker 3: D how topical.
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  Speaker 6: I know you may have heard me coming.
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  Speaker 5: Over for about thirty seconds at the start, but it
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  Speaker 5: was the best thirty seconds.
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  Speaker 6: Honestly, guys, just come for that.
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  Speaker 5: But no, we actually brought an expur in because we
• 4:01
  Speaker 5: thought talking about binding financial agreements, obviously there's a lot
• 4:04
  Speaker 5: of technicalities. We're talking about actual legally binding documents, and
• 4:08
  Speaker 5: it was really important to us to get this right.
• 4:10
  Speaker 5: So we brought our really good friend Lucy in.
• 4:13
  Speaker 7: And she not my dog. I was just about to say.
• 4:18
  Speaker 3: My dog Lucy. For those of you playing along at home.
• 4:21
  Speaker 2: Lucy Percy is not a sheeper doodle. She's actually a
• 4:24
  Speaker 2: family and a state planning lawyer, which is obviously a
• 4:28
  Speaker 2: bit smarter than my dog that can now play dead.
• 4:31
  Speaker 3: So yeah, with Lucy if.
• 4:36
  Speaker 6: It was a really interesting chat around.
• 4:38
  Speaker 5: I guess the concept of a prenup is something we
• 4:40
  Speaker 5: see a lot in American culture and TV and rvies.
• 4:43
  Speaker 5: It's not well lean up, but it's actually not really
• 4:48
  Speaker 5: a thing here. And that's why a binding financial agreement
• 4:51
  Speaker 5: is kind of our equivalent.
• 4:53
  Speaker 6: It definitely is a little bit different.
• 4:54
  Speaker 5: And so Lucy gave us some really great insights into
• 4:57
  Speaker 5: what it means when you might want one, what the
• 4:59
  Speaker 5: proce is, and all of those really interesting nitty gritty things.
• 5:03
  Speaker 2: This is true, and Lucy is a good friend of
• 5:05
  Speaker 2: the show. I know that our team have used her personally.
• 5:09
  Speaker 2: I send a lot of clients to her. I've sent
• 5:11
  Speaker 2: family members to her. I really trust her. So hopefully
• 5:14
  Speaker 2: we can get her in on a few more episodes
• 5:16
  Speaker 2: to pick her brains. And you know, sounds smarter than
• 5:19
  Speaker 2: we actually are.
• 5:20
  Speaker 3: So speaking of smarter than us, Ryan.
• 5:23
  Speaker 7: What welcome here? I am smarter.
• 5:27
  Speaker 2: You're welcome.
• 5:29
  Speaker 6: Not where that was going at all.
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  Speaker 2: That's where I respect it. I respect the opportunity he sees. Hey, Ryan,
• 5:36
  Speaker 2: what happened in the community this week?
• 5:38
  Speaker 8: Well, last week on Friday Drinks, we talked about getting things,
• 5:43
  Speaker 8: getting big things in small cars because VU were saying,
• 5:46
  Speaker 8: how you got something from Facebook marketplace?
• 5:48
  Speaker 2: Now that was yet oh yeah, yeah, And that was
• 5:50
  Speaker 2: really embarrassing in.
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  Speaker 7: The kitchen and Jess, what did you get into the
• 5:53
  Speaker 7: small car?
• 5:55
  Speaker 6: And I care couch to the back of the micraft.
• 5:57
  Speaker 6: Thank you all right.
• 5:59
  Speaker 8: Shout out to Beck Madden who got a great Dane
• 6:02
  Speaker 8: into Hyonde gets.
• 6:04
  Speaker 7: That's very well done.
• 6:06
  Speaker 8: Rhiannon got a queen sized bed from my here into
• 6:09
  Speaker 8: her friend's Hyonda Gets.
• 6:10
  Speaker 7: Shout out to the high little.
• 6:13
  Speaker 2: Sister used to drive a Hyonda Gets. Unfortunately it got
• 6:16
  Speaker 2: written off, but she would have had it until the
• 6:19
  Speaker 2: day she died. It is a ripper of a little
• 6:21
  Speaker 2: car like zips around, so speedy, but also just like practical,
• 6:26
  Speaker 2: like guys the boots Spaci, so spacious.
• 6:29
  Speaker 8: So spacious, Beck said, I once fit one hundred handbags
• 6:33
  Speaker 8: that I collected as donations to Share the Dignity for
• 6:36
  Speaker 8: the It's in the Bag campaign. One hundred handbags into
• 6:39
  Speaker 8: the back of a Mazda Tu. Well, that's huge And
• 6:42
  Speaker 8: can I gu you are.
• 6:42
  Speaker 2: Either doing something for Share the Dignity or you're a thief.
• 6:45
  Speaker 3: There is between.
• 6:47
  Speaker 5: Share the Dignity are an awesome, awesome organization that I
• 6:51
  Speaker 5: personally really love and support. If you haven't had them,
• 6:53
  Speaker 5: definitely look them up. They're essentially trying to equalize access
• 6:57
  Speaker 5: to sanitary products for people who bleed. It's a really
• 7:00
  Speaker 5: important thing period. Poverty is actually really prevalent here in Australia,
• 7:04
  Speaker 5: which I didn't know before.
• 7:05
  Speaker 6: Seeing their work.
• 7:06
  Speaker 5: So huge for getting one hundred handbags in the car
• 7:10
  Speaker 5: for that alone. Go check out the.
• 7:11
  Speaker 8: Instagram and a random one here that was I don't
• 7:17
  Speaker 8: know if it's definitely just Which is the passing comment
• 7:20
  Speaker 8: from Beck Mackay.
• 7:22
  Speaker 7: She said, Literally every week I.
• 7:23
  Speaker 8: Think of a cool money win and I'm always like, oh,
• 7:26
  Speaker 8: I should totally put it on the thread for next week,
• 7:28
  Speaker 8: and then I always forget. And then every Friday I
• 7:31
  Speaker 8: hear the episode and go, damn it. I forgot this,
• 7:33
  Speaker 8: damn it that could have been me.
• 7:35
  Speaker 7: Yep.
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  Speaker 8: Then I said, oh I, Beck, thanks for commenting, did
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  Speaker 8: you have one to share this week? And she didn't
• 7:38
  Speaker 8: get it in before the time of recording, so her
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  Speaker 8: bad treat.
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  Speaker 2: Shout out to Beck, who clearly listens to every Friday.
• 7:44
  Speaker 7: Episode Mapye, who right now will be going damn it again.
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  Speaker 5: But Beck, we read that thread all week long and
• 7:51
  Speaker 5: it's up and live all week long, and every Monday
• 7:54
  Speaker 5: I close the previous week's thread. So if you think
• 7:57
  Speaker 5: of it on a Wednesday, just because it's not Monday
• 7:59
  Speaker 5: doesn't mean can't post Love it in, Love it in.
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  Speaker 2: And it's also really helpful, Jess, because I found myself
• 8:04
  Speaker 2: always looking for the thread in the Facebook group, and
• 8:06
  Speaker 2: the fact that you now close them means I don't
• 8:08
  Speaker 2: get confused over what's live and what's not and where
• 8:10
  Speaker 2: should I comment and where shouldn't I.
• 8:12
  Speaker 3: It's like you're a genius at community management.
• 8:14
  Speaker 6: You're so welcome.
• 8:15
  Speaker 7: Thank you.
• 8:16
  Speaker 8: So. Veronica bought a at home nail kit that was
• 8:21
  Speaker 8: recommended by a friend, and we talk about.
• 8:23
  Speaker 7: Cost per wear and cost per use.
• 8:26
  Speaker 8: She said, after I use it three times, i'll be ahead,
• 8:29
  Speaker 8: and after that I'll save so much money by not
• 8:32
  Speaker 8: going to the nail salon every three or four weeks.
• 8:34
  Speaker 7: So that is a huge thing.
• 8:35
  Speaker 2: Do you know how many messages I get per week
• 8:37
  Speaker 2: asking me what nail kit I use? Because I do
• 8:40
  Speaker 2: my own nails at home, which you guys would know.
• 8:43
  Speaker 2: In fact, i'm doing them right now. But I use
• 8:48
  Speaker 2: the Opalac kit from Priceline. Adore it, and it was
• 8:52
  Speaker 2: on special when I bought it for fifty bucks, including
• 8:54
  Speaker 2: like three colors, top Base and the light, which I
• 8:57
  Speaker 2: think is a really good deal, which for me and Jess.
• 8:59
  Speaker 2: You know, I don't know Tony, if you've gotten your
• 9:01
  Speaker 2: nails done with us in the city pre covid life,
• 9:04
  Speaker 2: but it's about fifty bucks to get your nails done
• 9:06
  Speaker 2: in the city, so my cost per wear is very
• 9:09
  Speaker 2: very low one. But yeah, it's like one time use
• 9:14
  Speaker 2: and she's good to go. But it is a bit
• 9:16
  Speaker 2: more tricky than people think. It is, like you do
• 9:19
  Speaker 2: have to kind of concentrate.
• 9:22
  Speaker 7: So not to be glad you're doing that now.
• 9:24
  Speaker 2: Yeah, yeah, yeah, I'm just really good at it, guys
• 9:27
  Speaker 2: us Jess, I'm really good at it all right.
• 9:30
  Speaker 8: Alease in New Zealand. Now, New Zealand has a way
• 9:33
  Speaker 8: more simple way of getting your tax done than in Australia.
• 9:36
  Speaker 3: It's like actually just better.
• 9:37
  Speaker 5: Yeah, so they just do everything better than us.
• 9:41
  Speaker 3: The better they do tax better.
• 9:44
  Speaker 2: They let you use your KILEI saver for your first
• 9:46
  Speaker 2: home or you don't have that option with superannuation. Honestly,
• 9:50
  Speaker 2: I think they just they've got better air quality, Like
• 9:53
  Speaker 2: what else have they got?
• 9:55
  Speaker 8: So Alis said, I was wondering when I should expect
• 9:57
  Speaker 8: my money from my tax returns. So I logged into
• 10:00
  Speaker 8: the ird account that they have, and she realized she
• 10:04
  Speaker 8: hadn't actually received her tax return since twenty eighteen. So
• 10:08
  Speaker 8: she contacted them and they said, yep, we just didn't
• 10:10
  Speaker 8: have a bank account to send it to. So she
• 10:11
  Speaker 8: got the past three years worth of tax returns in
• 10:15
  Speaker 8: one hit, in one day.
• 10:17
  Speaker 3: It's not a money when I don't know.
• 10:19
  Speaker 8: What all, right, Emmy, which this is something that no
• 10:22
  Speaker 8: one can relate to.
• 10:24
  Speaker 7: Emmy said, I was gonna sold a super yacht.
• 10:27
  Speaker 3: No, oh, that's just packer, okay.
• 10:30
  Speaker 8: Emmy said, I ordered delivery on Friday, but the restaurant
• 10:35
  Speaker 8: didn't have the exact thing that I wanted, So instead
• 10:37
  Speaker 8: of getting something else, I saved twenty one dollars by
• 10:41
  Speaker 8: not ordering it and just eating what I had in
• 10:43
  Speaker 8: my fridge.
• 10:46
  Speaker 7: A good job.
• 10:46
  Speaker 2: Something else that I didn't actually want to eat, but
• 10:49
  Speaker 2: it would have been defiance and not wanting to cook.
• 10:53
  Speaker 8: Christie said, five years ago, I bought a horse float
• 10:57
  Speaker 8: like you know, the trailer also, but.
• 11:00
  Speaker 7: Okay, for sixteen thousand dollars it cost for the trailer.
• 11:05
  Speaker 2: Sixteen sorry, could you just repeat that?
• 11:07
  Speaker 7: Sixteen thousand? She bought it for so.
• 11:09
  Speaker 3: Much money for five not even self driving.
• 11:12
  Speaker 7: Yeah, I know you'd want it to drive itself for that.
• 11:14
  Speaker 3: Does it come with the horse?
• 11:16
  Speaker 2: Is it like when you go to the toy shop
• 11:17
  Speaker 2: and you pick up a Barbie horse trailer and it
• 11:20
  Speaker 2: comes with the horses and the Barbie and all of
• 11:21
  Speaker 2: the accessories.
• 11:22
  Speaker 3: Or is it just the trailer.
• 11:23
  Speaker 8: I'd be asking for those things, but it is just
• 11:26
  Speaker 8: the trailer. Sixteen thousand dollars five years ago. She sold
• 11:30
  Speaker 8: it yesterday for sixteen thousand dollars.
• 11:34
  Speaker 2: Five years later Legend borrowed it for free.
• 11:38
  Speaker 3: For those years.
• 11:40
  Speaker 7: Yep.
• 11:40
  Speaker 8: Steph Grace finished second in her footy tips at work
• 11:43
  Speaker 8: one hundred and fifty bucks.
• 11:44
  Speaker 7: Thank you very much coming you could.
• 11:46
  Speaker 3: You give me your hot tips.
• 11:47
  Speaker 2: I'm terrible at footy tips, honestly forgetting about them.
• 11:52
  Speaker 8: Alie Stewart said, I needed some trackies because mine were
• 11:56
  Speaker 8: falling apart, and we're all working from home wearing trackies
• 11:58
  Speaker 8: all day. So I think gave and can understand that.
• 12:01
  Speaker 8: Ali said, found two nice pairs from Bonds and Bonds
• 12:04
  Speaker 8: trackies are like stock, but.
• 12:06
  Speaker 7: They're like get the job done. We're they're real fancy.
• 12:08
  Speaker 8: Recommended retail price sixty five dollars, but they were on
• 12:12
  Speaker 8: sale for nineteen dollars and if you sign up with
• 12:17
  Speaker 8: an account you get free shipping, and she got a
• 12:18
  Speaker 8: ten dollar birthday voucher, which means overall she saved over
• 12:22
  Speaker 8: one hundred bucks on a couple of pairs of nice
• 12:24
  Speaker 8: fancy Trackie. So well, that is a fifty percent of
• 12:27
  Speaker 8: per pare well, good work, Ali, and I respect getting
• 12:30
  Speaker 8: you track he is as someone who's literally sitting at
• 12:33
  Speaker 8: my kitchen table now wearing the Danger's track ones.
• 12:37
  Speaker 3: Are the most comfortable ones.
• 12:38
  Speaker 8: Frying in Well, I'm inspired by Alie nonetheless, so thank
• 12:42
  Speaker 8: you very much.
• 12:48
  Speaker 2: All Right, we are back and I have a piece
• 12:51
  Speaker 2: of content for you guys that I would love to
• 12:54
  Speaker 2: share because I think it plays really well into my
• 12:57
  Speaker 2: money loss of the week orbe at Mine's complay my fault,
• 13:00
  Speaker 2: whereas this story is actually not their fault.
• 13:03
  Speaker 3: It's just really bad.
• 13:04
  Speaker 2: But I was reading this week in the news that
• 13:07
  Speaker 2: there is a very bizarre reason of New South Wales
• 13:10
  Speaker 2: couple keep getting incorrect penalty notices. Can any of you
• 13:14
  Speaker 2: guys like guess why they might keep getting fines in
• 13:18
  Speaker 2: the mail that aren't actually meant for them.
• 13:21
  Speaker 6: Someone didn't update their address.
• 13:23
  Speaker 3: Yeah, their address, definitely, you reckon.
• 13:26
  Speaker 2: It's actually because the fine system in New South Wales
• 13:30
  Speaker 2: can't tell the difference on their toll roads between zero
• 13:34
  Speaker 2: and the letter O, so.
• 13:36
  Speaker 6: So it seems like it would be a problem.
• 13:39
  Speaker 2: It is, but since twenty eighteen they have been getting
• 13:43
  Speaker 2: fines for other people's cars in their name, which I
• 13:47
  Speaker 2: think is absolutely ridiculous and obviously wildly unnecessary. But apparently
• 13:52
  Speaker 2: they keep getting chased up on it. And apparently it's
• 13:56
  Speaker 2: not even a car. It's a little scooter so it's
• 13:58
  Speaker 2: even smaller, which I think it's very cute, but at
• 14:01
  Speaker 2: the same time that's so nice.
• 14:02
  Speaker 3: I'd start to get.
• 14:03
  Speaker 2: Really frustrated if I was getting fine sent to me
• 14:06
  Speaker 2: that I know I didn't actually incur.
• 14:09
  Speaker 8: It'll be one of those ones where you would call
• 14:11
  Speaker 8: them up and they'd be like, oh, sorry, it's just
• 14:13
  Speaker 8: because the and you're like, I know, why just stops.
• 14:16
  Speaker 7: Saying something from happening, and they're like, oh, it's just
• 14:17
  Speaker 7: a glitch in the system. Sorry, and you're like, well,
• 14:20
  Speaker 7: just do something.
• 14:22
  Speaker 5: But think about how many number plates you see that
• 14:24
  Speaker 5: have a zero in them, Like, are you telling me
• 14:27
  Speaker 5: that every single time one of those cars goes through,
• 14:30
  Speaker 5: like surely that is a problem that someone should be fixing.
• 14:34
  Speaker 2: Yeah, and do you know what's more frustrating about this?
• 14:36
  Speaker 2: Or I would find it frustrating, like obviously they're not
• 14:39
  Speaker 2: paying these because they're not their fines, but they have
• 14:42
  Speaker 2: to go through the whole toll process and we all
• 14:44
  Speaker 2: know if we get a fine, to go through the
• 14:46
  Speaker 2: dispute process is like pulling teeth and trying to get
• 14:49
  Speaker 2: through their call center is a nightmare. And then you
• 14:51
  Speaker 2: have to submit your claim online. Yes, it's like that
• 14:53
  Speaker 2: time that you had to ride into the parking place
• 14:56
  Speaker 2: to get your money back, like it's unnecessary, life admin.
• 15:00
  Speaker 2: But guys, a, the fines they've ranged between eleven and fourteen.
• 15:03
  Speaker 5: Dollars, so they're not even what but you know what
• 15:07
  Speaker 5: the problem is if they don't pay there, if it's
• 15:10
  Speaker 5: anything like Victoria, not speaking from experience, but if you
• 15:15
  Speaker 5: don't pay like a tollvine, that's literally like twenty bucks
• 15:18
  Speaker 5: if you if it keeps like coming, and if you've
• 15:21
  Speaker 5: maybe moved addresses and weren't getting the letters for example,
• 15:26
  Speaker 5: it goes to like the police and it's an automatic
• 15:28
  Speaker 5: five hundred dollar fine.
• 15:30
  Speaker 2: It's so much money, like a twenty so much money
• 15:33
  Speaker 2: and as attorning, you guys are going to be shook
• 15:35
  Speaker 2: about this as well. I mean it kind of makes
• 15:38
  Speaker 2: sense because we all know that the administration fees often
• 15:42
  Speaker 2: outweigh the actual fine. But the actual fines about three dollars,
• 15:46
  Speaker 2: and then the admin fee that they're being charged on.
• 15:48
  Speaker 3: Top of that was ten dollars.
• 15:50
  Speaker 2: But that just kind of seems like a lie to
• 15:52
  Speaker 2: me because I can't see a toll road in Victoria
• 15:55
  Speaker 2: that's less than fifteen dollars to travel on. So what
• 15:57
  Speaker 2: do you mean you got three dollars toll road New
• 15:59
  Speaker 2: South Wales.
• 16:00
  Speaker 5: Yeah, that's actually crazy, is it? Because it's a scooter
• 16:03
  Speaker 5: like smaller vehicles smaller that's a good paint.
• 16:07
  Speaker 2: I don't know.
• 16:07
  Speaker 3: Should I get a scooter?
• 16:08
  Speaker 2: Am I going to save a whole heap of money
• 16:10
  Speaker 2: on toll roads?
• 16:11
  Speaker 6: Put Lucy in the front basket and.
• 16:15
  Speaker 2: One of those scooters with the side cars and I'd
• 16:18
  Speaker 2: be like, it's money, win guys and saving money on
• 16:20
  Speaker 2: the tolls.
• 16:21
  Speaker 4: Or imagine like going to Kohle's and putting like your
• 16:24
  Speaker 4: Enviro bags like on the handles of a scooter and
• 16:26
  Speaker 4: just like yeating yourself down free.
• 16:31
  Speaker 5: No.
• 16:31
  Speaker 2: Well, as I said before, guys, this actually segues, which
• 16:35
  Speaker 2: is like maybe this weird kind of scooter sending ways
• 16:40
  Speaker 2: into my money confession of the week. And well, so recently,
• 16:48
  Speaker 2: you guys know, I bought a new car, which is
• 16:50
  Speaker 2: very exciting, and we've also been in lockdown. So I've
• 16:54
  Speaker 2: been home and there's been a few times I've had
• 16:56
  Speaker 2: to drive places, you know, in between lockdowns since I
• 16:59
  Speaker 2: got my car, because I've had it for a few
• 17:01
  Speaker 2: months now, so she's she's doing well. Just for those
• 17:04
  Speaker 2: of you wanting to know. And because I've registered my
• 17:07
  Speaker 2: car in the business, any potential fines actually being sent
• 17:11
  Speaker 2: to the office and because we're lockdown, I'm not going
• 17:13
  Speaker 2: to get them at the moment. And it turns out
• 17:15
  Speaker 2: I completely forgot to register my new number plate with
• 17:19
  Speaker 2: the toll roads here in Victoria. So not only have
• 17:22
  Speaker 2: I incurred tolls that I have to pay, which is
• 17:24
  Speaker 2: fine and fair, and I kind of saw those coming
• 17:27
  Speaker 2: because the male's been going to the office and I
• 17:29
  Speaker 2: haven't been that prompt in getting it. I now have
• 17:31
  Speaker 2: penalties on top.
• 17:33
  Speaker 7: Of those more than the actual Yeah they are.
• 17:38
  Speaker 4: How much are we talking?
• 17:40
  Speaker 3: It's a couple of hundred dollars.
• 17:41
  Speaker 2: Yeah, yeah, I've actually got to add them together because
• 17:44
  Speaker 2: there's more than one.
• 17:46
  Speaker 3: But that's all right, we'll get there.
• 17:48
  Speaker 2: But yeah, that's me being really unorganized, but also bitten
• 17:53
  Speaker 2: in the bottom by the toll roads in Victoria, which
• 17:55
  Speaker 2: is again probably my own fault, because Tony, you know
• 17:59
  Speaker 2: where I live, I easily could drive not on the
• 18:01
  Speaker 2: tolls on the top.
• 18:05
  Speaker 7: Get I hope getting there eighty seconds earlier was worth it.
• 18:10
  Speaker 2: That's all I'm gaining as well, Ryan. So what have
• 18:13
  Speaker 2: you got, Ryan to share with us? A money win
• 18:15
  Speaker 2: or a confession? What are you putting on the table
• 18:17
  Speaker 2: this week?
• 18:18
  Speaker 8: I've got I'm going to call it a money win.
• 18:20
  Speaker 8: I am recording from home today and not the Kiss Studios,
• 18:26
  Speaker 8: the radio station where I work at, because everyone at
• 18:28
  Speaker 8: Kiss has been given too free annual leave, not annually
• 18:33
  Speaker 8: leave like mental health and how I've seen some companies
• 18:37
  Speaker 8: they're like, oh, the whole company's having a day off,
• 18:39
  Speaker 8: or they we're having a lot week shutdown. So we
• 18:41
  Speaker 8: got a few days to use in September whenever we wanted,
• 18:45
  Speaker 8: So it wasn't like a whole company on a certain day.
• 18:46
  Speaker 8: They just use them whenever you want, and I thought, well,
• 18:48
  Speaker 8: with the long weekend coming up in Melbourne for the
• 18:51
  Speaker 8: Grand Final, I thought i'd stack them together, so very nut.
• 18:55
  Speaker 8: It's not money in my pocket, but it's a bit
• 18:57
  Speaker 8: of a break without using up my annual leave.
• 19:00
  Speaker 7: That makes sense. So I think that was a win.
• 19:02
  Speaker 8: And obviously pretty stoked with the company when that email
• 19:05
  Speaker 8: came out and I was just like, yep, just let
• 19:07
  Speaker 8: you manage, you know, and take the day off.
• 19:08
  Speaker 7: And I was like, see you later.
• 19:10
  Speaker 2: Yeah, that's actually really kind of them, which I super appreciate.
• 19:14
  Speaker 3: But I love kiss Obviously we have a lot to
• 19:17
  Speaker 3: do with them. But I do have a question.
• 19:19
  Speaker 2: Isn't taking a mental health day part of your sick
• 19:23
  Speaker 2: leave anyway?
• 19:24
  Speaker 7: Like shouldn't get mental health?
• 19:25
  Speaker 3: Is just you neat them.
• 19:27
  Speaker 7: It's not called a mental health day.
• 19:28
  Speaker 8: It just said everyone's busy and whatnot, and so you
• 19:31
  Speaker 8: just get a day off like a bonus day.
• 19:33
  Speaker 2: Okay, not like a mental health day, just like bonus leaf,
• 19:36
  Speaker 2: which is kind of nice.
• 19:37
  Speaker 8: Yeah, you know, it can be working from home and
• 19:41
  Speaker 8: you know, zoom burnout and people are sitting Oh that's real.
• 19:44
  Speaker 2: I don't think people talk enough about that, but Zoom
• 19:47
  Speaker 2: burnout and just burn out during this period of time
• 19:50
  Speaker 2: is so real, and it's so exhausting as well, because
• 19:53
  Speaker 2: you're like, I shouldn't be tired, like literally haven't left
• 19:56
  Speaker 2: in my house, but I feel like I'm lacking a
• 19:58
  Speaker 2: lot of sleep.
• 20:00
  Speaker 3: So if you need it, take it.
• 20:02
  Speaker 2: But I guess that's also a nice bonus for you, Ryan,
• 20:05
  Speaker 2: but also a little bit of permission to our community
• 20:08
  Speaker 2: that if you haven't taken a mental health day, you
• 20:10
  Speaker 2: are more than welcome to take mental health care days
• 20:13
  Speaker 2: under your.
• 20:13
  Speaker 3: Actual sick leave.
• 20:15
  Speaker 8: Absolutely, you don't need to be physically ill to be sick.
• 20:20
  Speaker 7: Said, Yeah, sure, that's what I care for.
• 20:23
  Speaker 2: Use it, and I feel like it actually makes you
• 20:25
  Speaker 2: a more productive employee. Like Ryan, these additional days off,
• 20:29
  Speaker 2: like you're going to return to work feeling far more
• 20:31
  Speaker 2: energized and like back in it because you've had enough
• 20:34
  Speaker 2: time to like rest and restore and.
• 20:36
  Speaker 3: Like actually just get it together.
• 20:38
  Speaker 2: Whereas if you just don't take those days off, the
• 20:40
  Speaker 2: burnout is so bad, like lasts for ages.
• 20:43
  Speaker 8: But yeah, just taking a day to get better is
• 20:46
  Speaker 8: actually better for not just you, but the the business.
• 20:49
  Speaker 8: They'd rather have a healthy and productive in three days time.
• 20:51
  Speaker 8: Then don't tell my stuff that let's be fine.
• 20:54
  Speaker 2: Yeah, all right, So Tony or Jess, who's going next?
• 21:00
  Speaker 4: I can go next because I don't have a money
• 21:02
  Speaker 4: win or a confession.
• 21:03
  Speaker 2: Cool which my contributing don't.
• 21:06
  Speaker 4: Need my money win because I'm not spending any money
• 21:09
  Speaker 4: at the moment.
• 21:10
  Speaker 3: I've got nothing to contribute. And that's actually a win.
• 21:13
  Speaker 4: I love that because we're at home still and I've
• 21:17
  Speaker 4: you know, been taking it really easy on online shopping,
• 21:20
  Speaker 4: and we haven't really been you know, ordering lots of
• 21:23
  Speaker 4: food or doing anything fun. So I feel like my
• 21:26
  Speaker 4: win is that I'm I've broken even I really like that.
• 21:30
  Speaker 3: I think that's really good.
• 21:31
  Speaker 2: I have a question, Tony, do you reckon that's a
• 21:33
  Speaker 2: lead on from your accountability August like reset, because like
• 21:37
  Speaker 2: you were like, no, I'm not going to do any
• 21:39
  Speaker 2: discretionary spending, like no online shopping, and it was like
• 21:42
  Speaker 2: this like hard and fast rule for you. Now you're like, oh,
• 21:45
  Speaker 2: I'm just not doing any Do you think you changed
• 21:47
  Speaker 2: your habits?
• 21:48
  Speaker 4: I think it's definitely part of it, because I've done
• 21:51
  Speaker 4: less scrolling and less adding to cart, and things just
• 21:56
  Speaker 4: don't seem to be adding up the way that they did.
• 21:58
  Speaker 4: I think as well. You guys were just saying about
• 22:01
  Speaker 4: the zoom burnout. I think even to shop on my
• 22:04
  Speaker 4: phone or on my computer after work. I just don't
• 22:06
  Speaker 4: even want to sit at my computer at all. I
• 22:08
  Speaker 4: don't want to listen to anything. I don't want to
• 22:10
  Speaker 4: see anything like I've been reading on the weekend lately,
• 22:14
  Speaker 4: watching the TV like I'm just sick of looking at screens.
• 22:18
  Speaker 4: So maybe that's part of it. Maybe the zoom burnout
• 22:20
  Speaker 4: is good because I'm spending less fun.
• 22:24
  Speaker 2: Money win money when I'm burnt out.
• 22:26
  Speaker 4: Guys, do you have a money win Jess?
• 22:29
  Speaker 6: I have so.
• 22:30
  Speaker 5: Last week I had what was meant to be a
• 22:32
  Speaker 5: win and turned into a loss. This week I have
• 22:34
  Speaker 5: what was kind of a loss but also sort of
• 22:36
  Speaker 5: turned into a win.
• 22:39
  Speaker 2: I'm really all clutching its straws a little bit.
• 22:42
  Speaker 5: So the start of this week, I woke up one
• 22:45
  Speaker 5: morning to discover my boyfriend.
• 22:47
  Speaker 6: Had done the laundry. Gat Yeah, you would think so.
• 22:53
  Speaker 5: Upon further inspection, I discovered that he had washed a
• 22:59
  Speaker 5: jumper of mine and Victoria, this was actually a gift
• 23:02
  Speaker 5: that you gave me. It's a Mowhir jumper, No. One
• 23:06
  Speaker 5: of the yellow one the yellow one you guys know
• 23:10
  Speaker 5: that I wear all the time. It's one of the
• 23:12
  Speaker 5: nicest things that I own. It's like a two hundred
• 23:14
  Speaker 5: dollars jumper.
• 23:15
  Speaker 7: O honey.
• 23:17
  Speaker 5: He put it through the wash on like regular cycle
• 23:19
  Speaker 5: and it now looks like it's made for a six
• 23:21
  Speaker 5: year old.
• 23:22
  Speaker 2: Okay, all right, right, all right, So we can recover
• 23:24
  Speaker 2: from this. We can recover from this. Go get a
• 23:27
  Speaker 2: bucket of cold water or like a tub of cold
• 23:30
  Speaker 2: water and put a whole heap of conditioner in it
• 23:32
  Speaker 2: and let it soak. And then what you're going to
• 23:34
  Speaker 2: do is like ring it out gently, put it on
• 23:36
  Speaker 2: top of a towel and start stretching it out. Because
• 23:39
  Speaker 2: the conditioner, because it's like a natural fiber in its
• 23:42
  Speaker 2: mow hair, it's going to start stretched like it's going
• 23:45
  Speaker 2: to lose the stress in the fiber and it's going
• 23:47
  Speaker 2: to stretch back out.
• 23:48
  Speaker 3: Over a period of time. So you are welcome.
• 23:50
  Speaker 2: This could become a really good money win for not
• 23:52
  Speaker 2: only you, but other people who have maybe shrunk. They're
• 23:55
  Speaker 2: very nice jumpers in the washing machine.
• 23:57
  Speaker 7: So this is a win that became a last that's
• 23:59
  Speaker 7: now a win.
• 24:00
  Speaker 2: It's actually hot tip from my mum, so shout out
• 24:03
  Speaker 2: to Judy. She usually knows everything about everything, if I'm
• 24:06
  Speaker 2: being honest, the more you know, yeah, you're wellcare.
• 24:10
  Speaker 6: I was going to tell a second half that story,
• 24:11
  Speaker 6: but it doesn't really make sense.
• 24:12
  Speaker 2: Now She's like, well, I actually it was made for toddlers,
• 24:15
  Speaker 2: so I sold it on Deep Pop.
• 24:17
  Speaker 3: No toddler.
• 24:18
  Speaker 5: I stormed into the study holding the jumper like the
• 24:23
  Speaker 5: evidence of crime.
• 24:27
  Speaker 3: Jumper and obviously read the care label jets.
• 24:31
  Speaker 6: No, not at all. I don't think he even knows
• 24:34
  Speaker 6: that they exist, but so obviously.
• 24:36
  Speaker 5: He was very apologetic and immediately promised to purchase a
• 24:39
  Speaker 5: new one.
• 24:41
  Speaker 3: Out you can fix it.
• 24:43
  Speaker 5: It did come out a little while ago, so they
• 24:45
  Speaker 5: didn't even know if you'd still be able to get it,
• 24:46
  Speaker 5: but he jumped on the website and turns out they're
• 24:48
  Speaker 5: currently on sale for seventy dollars, so he replaced it
• 24:54
  Speaker 5: for obviously a lot less than it was purchased four
• 24:57
  Speaker 5: which is a win, but a loss, but a win,
• 25:00
  Speaker 5: you know. But now you'll have too, Well if I
• 25:02
  Speaker 5: fix the other one, yeah.
• 25:04
  Speaker 4: Oh my god, yess, you know what you should do?
• 25:07
  Speaker 4: Fix it then sell for two hundred dollars and you
• 25:09
  Speaker 4: never bought it in the first place. It was a gift,
• 25:11
  Speaker 4: So you've really come out on top here. You're gonna
• 25:14
  Speaker 4: make money.
• 25:15
  Speaker 6: This is a money win, win, win win.
• 25:18
  Speaker 3: I can't wait to hear the update next week.
• 25:20
  Speaker 6: I'm going to try the softener thing that Victoria suggested.
• 25:23
  Speaker 6: I did not know that. I'm very excited to see.
• 25:25
  Speaker 2: So for more money hacks, tips and tricks and all
• 25:27
  Speaker 2: your laundry needs, tune in next week to She's on
• 25:31
  Speaker 2: the Money. But as always, guys, I think that's all
• 25:33
  Speaker 2: we have time for today. But just before we are
• 25:35
  Speaker 2: head off, we'd like to acknowledge and pay our respects
• 25:38
  Speaker 2: to Australia's Aboriginal and torrest Right Islander people's. They're the
• 25:42
  Speaker 2: traditional custodians of the lands, the waterways and the skies
• 25:45
  Speaker 2: all across Australia. We thank you for sharing and for
• 25:48
  Speaker 2: caring for the land on which we.
• 25:50
  Speaker 3: Are able to learn.
• 25:51
  Speaker 2: We pay our respects to elders past and present, and
• 25:54
  Speaker 2: we share our friendship and our kindness.
• 25:56
  Speaker 4: The advice shared on Cheese on the Money is generally
• 25:58
  Speaker 4: nature and does not con your individual circumstances. She's on
• 26:02
  Speaker 4: the Money exists purely for educational purposes and should not
• 26:05
  Speaker 4: be relied upon to make an investment or financial decision,
• 26:08
  Speaker 4: and we promise. Victoria Divine is an authorized representative of
• 26:11
  Speaker 4: Australia Pacific Funds Management Proprietary Limited ABM three four one
• 26:15
  Speaker 4: three two four six three two five seven AFSL three
• 26:19
  Speaker 4: three nine one five one.
• 26:20
  Speaker 2: See you next week, guys,