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Friend or (Fin) Foe? · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it. She's on the Money, She's on
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Speaker 2: the Money. Hello, and welcome to She's on the Money,
1:00
Speaker 2: Need the podcast for millennials who want financial freedom. Today
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Speaker 2: is Friday, my friends, which means it is time to
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Speaker 2: get our little team together and celebrate you our incredible
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Speaker 2: She's on the Money community Today, Miss Jessicaraci hi over
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Speaker 2: there is going to be sharing our favorite money wins
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Speaker 2: and we as a team are going to answer a
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Speaker 2: juicy money dilemma that you've got, which this week is
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Speaker 2: all about budgeting to be paid monthly, which I feel
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Speaker 2: is a really big pain point for a lot of
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Speaker 2: people in our community, and we are going to be
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Speaker 2: unpacking something that you guys slid into our DMS about
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Speaker 2: which this week is all about what to do when
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Speaker 2: your friends aren't accepting your financial goals a little bit spicy.
1:39
Speaker 2: But first, let's recap the week that was. Beck, How
1:44
Speaker 2: are you?
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Speaker 3: How's your week been pretty done good? I would have
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Speaker 3: to say it's pretty good, isn't it. Yeah, it's been
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Speaker 3: really really good. Actually it's my last week in my
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Speaker 3: old role, big dog energy, and I just feel like,
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Speaker 3: you know, when you mentally check out, but in like
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Speaker 3: the best way possible.
2:00
Speaker 2: God, this is happening on Friday, so I don't know.
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Speaker 2: They don't know if you've been mentally check out. What
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Speaker 2: are they going to do? You don't work there anymore.
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Speaker 4: Some time they hear this, so it's too late.
2:09
Speaker 2: Do they even listen? Like, who knows?
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Speaker 4: They probably don't listen exactly exist.
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Speaker 2: They do they do? That's where they were so salty
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Speaker 2: at me.
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Speaker 4: Oh okay, that makes it.
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Speaker 2: Yeah, Jess, how was your week? What have you been
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Speaker 2: up to? You know, just touring around the country?
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Speaker 4: Oh okay, yeah, just norm big stuff like that.
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Speaker 2: No, biggie, just touring the country. Where have we been
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Speaker 2: this week?
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Speaker 5: So we had our international within state events in Melbourne
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Speaker 5: and then also in Sydney today, which has been phenomenal.
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Speaker 5: Sydney was our last city for the month. We did
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Speaker 5: four this year. Best feeling in the world.
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Speaker 2: Absolutely walked. I mean, we probably should tell some people
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Speaker 2: that we're telling Porky is when we say today because
2:47
Speaker 2: we recorded it the day before, because right now I'm
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Speaker 2: probably on stage. And if you didn't get tickets to
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Speaker 2: the She's on the Money event and you're listening to
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Speaker 2: the podcast at like you know, eight or nine am
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Speaker 2: on a Friday morning, you'll be like, one of these things,
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Speaker 2: doesn't the moth coexists a mathe't math in mathe Mathin.
3:03
Speaker 2: But we haven't done Sydney yet. I'm currently doing Sydney
3:07
Speaker 2: as this episode is dropping. But Melbourne was lit.
3:11
Speaker 4: Hometown, Like you just know that's going to be good.
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Speaker 2: You just knew it was going to be good. Like
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Speaker 2: my sister came ten out of ten.
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Speaker 5: Friends and family are there one of our biggest cities
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Speaker 5: as well, which is awesome.
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Speaker 2: There was more than five hundred people that came on Wednesday,
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Speaker 2: which blows my mind. Like I didn't even know that
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Speaker 2: we'd have a community of more than five hundred people.
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Speaker 2: I remember when I started the Facebook group which preceded
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Speaker 2: the podcast, right, and it used to just be this
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Speaker 2: little Facebook group that I started because I did workshops
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Speaker 2: called Sheese on the Money and I wanted everybody who
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Speaker 2: came to my workshop to join my Facebook group so
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Speaker 2: we could continue talking about money and soubrenuation and just
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Speaker 2: all this sexy stuff, right, And I remember tipping over
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Speaker 2: one hundred and I was like, guys, well, this is great.
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Speaker 2: I've made it. No, But I was just like, there
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Speaker 2: are a hundred people that want to talk about money.
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Speaker 2: And I mean I still, you know, maybe commented on
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Speaker 2: a few too many posts myself. I'm like, oh wow,
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Speaker 2: this is great information. But to think that we have
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Speaker 2: grown not only to more than two hundred and fifty
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Speaker 2: thousand people in that Facebook group now, which blows my mind,
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Speaker 2: But we had five hundred people in one room at
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Speaker 2: one time.
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Speaker 4: Which is it?
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Speaker 2: When you see Shares on the Money, like that's incomprehensible
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Speaker 2: to me. Still, Like I walk away feeling you know,
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Speaker 2: when you like disconnect a little bit from a situation
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Speaker 2: because it just doesn't feel real and you're like trying
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Speaker 2: so hard to absorb it, but you're also just still
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Speaker 2: so I guess in awe, Yeah, that was me on Wednesday.
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Speaker 2: That was me on Wednesday, and I'm still kind of
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Speaker 2: trying to process it. I love it, I adore it,
4:35
Speaker 2: but it is so funny. But for those of you
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Speaker 2: who haven't gone to the show today, let's move on.
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Speaker 2: Jessic GOTRICI, I want to know what community money wins
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Speaker 2: have you got to share with us this week?
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Speaker 5: All right, well, I'm actually gonna start with the money
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Speaker 5: loss from Sophie. She said she went to the pub
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Speaker 5: last week with her friend and she just wanted a
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Speaker 5: soda water and the total for two of them was
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Speaker 5: a nine dollars sixty No one was.
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Speaker 2: For soda water. That should no, that should be free.
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Speaker 5: It should be it should be really up charging for
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Speaker 5: those bubbles, aren't they.
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Speaker 2: And it's like never bottled either at the pub. It's
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Speaker 2: always like the post mix and you know that that's
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Speaker 2: just tap water coming through the post mix to make
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Speaker 2: me bubbly water, Like, guys give water for free nine
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Speaker 2: dollars no, no, no.
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Speaker 4: Too much.
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Speaker 3: I was charged eleven dollars one what wait wait twelve
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Speaker 3: dollars twelve dollars, not.
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Speaker 4: Playing with it six dollars six dollars per so to water.
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Speaker 2: How much was the wine?
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Speaker 3: I feel like the wine was like seven dollars, Like
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Speaker 3: I really shouldn't. Might as well just gonna wine, just
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Speaker 3: started drinking.
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Speaker 2: You know what I would have done. I would have
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Speaker 2: bought the wine and then taken my empty wine glass
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Speaker 2: to the bathroom and got my own water from the tap.
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Speaker 5: Potentially a health loss. I might just like dig it
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Speaker 5: out of the toilet next time.
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Speaker 4: That might be better.
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Speaker 2: Is that bad? Like at home? Do you guys like
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Speaker 2: drink water from the tap? Absolutely? What's wrong with the
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Speaker 2: tap of the pub?
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Speaker 5: I just think you don't know who's touched the physical
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Speaker 5: tap and what.
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Speaker 4: Putting my mouth around the tap jests.
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Speaker 5: But you can something about it.
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Speaker 4: But you know what, that's fine.
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Speaker 5: That's the money win potentially for Sophie at the pub
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Speaker 5: next week.
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Speaker 2: That's it. I do remember one time I was in
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Speaker 2: Tasmania at my grandparents' house and they were on tank water.
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Speaker 2: I remember one time we're all complaining that the water
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Speaker 2: tasted rank. We're like, oh, there's something wrong with the water,
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Speaker 2: and my grandparents were like just drink it. It's fine.
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Speaker 2: It's rain water like it's healthy. It's the best water
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Speaker 2: in the world. It's Tasmanian. We found it dead. Possibly
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Speaker 2: I'm still alive. It's fine right now, Move on, Move on, Jess,
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Speaker 2: What have you got? Next?
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Speaker 5: Money even comes from Emma, who said money when I
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Speaker 5: was ordering from a company and their shipping policy said
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Speaker 5: free shipping after you spent a certain amount. However, it
6:50
Speaker 5: wasn't coming off at the checkout. Turns out they had
6:52
Speaker 5: updated it, but forgot to update the policy on the website,
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Speaker 5: and so I wrote them and I got a discount
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Speaker 5: code to still receive free shipping.
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Speaker 2: Oh how cool.
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Speaker 5: Follow up when things aren't working, make sure you get
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Speaker 5: that discount. My next money wind comes from Bailey Jean,
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Speaker 5: who said I applied for a job late last year
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Speaker 5: but wasn't successful until a few weeks ago when HR
7:13
Speaker 5: called offering me the same role. Yeah, my contract and
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Speaker 5: I'm earning twenty k more than I was earning most
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Speaker 5: time last year.
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Speaker 2: I feel like that is Bechtor energy. Like so many
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Speaker 2: times will get rejected for a role and we just
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Speaker 2: take it personally and go, oh my gosh, like they
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Speaker 2: must have hated me. Or I could never do that,
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Speaker 2: like why did I do it? When stuff like this happens,
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Speaker 2: like usually during the hiring process, it's so pragmatic. They
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Speaker 2: might go, all right, I'm hiring Beck and Jess have
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Speaker 2: applied for this role. Beck's got this much experience. Jess
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Speaker 2: has got this much experience. Loved Beck, loved Jess. Jess
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Speaker 2: has more experience. Tick that box. It's usually got nothing
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Speaker 2: to do with you personally, but rather the business at
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Speaker 2: the time needs to pick the candidate who has the
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Speaker 2: most things that tick boxes right, because obviously they're trying
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Speaker 2: to feel a roll and get a job done and rammatically,
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Speaker 2: if someone has more experience, they might be better at it. Yeah,
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Speaker 2: but if you're ever in that situation and you're feeling
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Speaker 2: a bit flat, go back and say, oh my gosh,
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Speaker 2: thank you so much for letting me know. Can you
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Speaker 2: give me a little bit of feedback so next time
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Speaker 2: when I apply for this role, I'm more experienced or
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Speaker 2: have the right criteria like what could I meet? And
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Speaker 2: that might put you one in a better position because
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Speaker 2: you might just go just needed another year more working.
8:24
Speaker 2: I'm going to go back into the workforce, stay there
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Speaker 2: in that role and then do exactly what this community
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Speaker 2: member's done, where basically she just sat pretty and waited
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Speaker 2: for the role to come back in in Juram money win,
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Speaker 2: or you might see something similar pop up and go no,
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Speaker 2: I am qualified. I can do this because one note
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Speaker 2: doesn't mean no forever.
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Speaker 5: And sometimes they keep your resume on file, like they
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Speaker 5: did for Bailey. My next money win this week comes
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Speaker 5: from Anna, who said massive money. When we needed a
8:47
Speaker 5: new couch, so we went to Ike to have a look.
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Speaker 5: The one that we wanted was thirteen hundred dollars plus.
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Speaker 2: Couches are so expensive at the.
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Speaker 5: So expensive, and I found out that you can change
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Speaker 5: the entire cover on the couch. Very smart, big fan
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Speaker 5: of that. I did searching and found a couch in
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Speaker 5: good structural condition on gum Tree for a hundred bucks,
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Speaker 5: bought it, picked it up, and then ordered brand new
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Speaker 5: covers from my couch three hundred dollars. All in all,
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Speaker 5: I saved nine hundred dollars for pretty much a brand
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Speaker 5: new count. That's so smart. I would never have thought
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Speaker 5: of that. Removable covers too, only way to go.
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Speaker 2: So I have removable covers on their couch that we
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Speaker 2: currently have and adore and it's now making it really
9:25
Speaker 2: hard to pick a new couch because we need a
9:27
Speaker 2: new couch, and I really love this particular one. It
9:30
Speaker 2: doesn't fit our space anymore. But like being able to
9:34
Speaker 2: put them in the washing machine and wash them with
9:36
Speaker 2: three pets is the best. Yeah, but it's so hard
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Speaker 2: to find, so it's good to know, ike, I have
9:41
Speaker 2: some arguably affordable ones, because I feel like every couch
9:44
Speaker 2: in this dog is now worth a billion dollars. They're
9:47
Speaker 2: so exciting. What's with that? I don't know, Like you
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Speaker 2: just cant you just see you have literally no functionality.
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Speaker 2: I don't get it.
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Speaker 4: Oh my goodness.
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Speaker 5: My next money comes from Linda who said she used
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Speaker 5: up old apple and a carrot and made twelve apple
10:01
Speaker 5: carrot class for my kids at lunchboxes. And she made
10:04
Speaker 5: her own Baker's Delight cheese and bacon rolls as well.
10:08
Speaker 2: I want sauce, I know. I feel like that sounds
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Speaker 2: so good. A whole carrot apple bar.
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Speaker 5: Yeah, I'm on the scrolls TikTok side where they make
10:19
Speaker 5: lunch boxes for their kids or their partners mate.
10:21
Speaker 2: That makes sense.
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Speaker 5: Fancy you have like four kids and a husband, right exactly,
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Speaker 5: so it totally makes fun when I'm there. My last
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Speaker 5: money win for this week comes from Taylor. He said,
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Speaker 5: money win. We just bought our first home. I'm self employed,
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Speaker 5: we have a two year old daughter, and we did
10:38
Speaker 5: it all on our own.
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Speaker 2: Yes, how exciting is that? Congratulations Taylor. And being self
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Speaker 2: employed gives you so many more hurdles to getting into
10:47
Speaker 2: the market. Genius.
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Speaker 4: Love it.
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Speaker 2: That's awesome. How exciting. All right, Well, let's go to
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Speaker 2: a really quick break because after the break, I really
10:54
Speaker 2: want to dive into a conversation about budgeting when you
10:57
Speaker 2: have a monthly income, which I think is something we
10:59
Speaker 2: all struggle with at some point in our lives. And
11:02
Speaker 2: we have a little dilemma about what happens when your
11:05
Speaker 2: friends aren't accepting of your financial goals. So guys, don't
11:08
Speaker 2: go anywhere.
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Speaker 5: All right, Welcome back, everybody. Let's jump into one of
11:16
Speaker 5: the best bits of the week. I think Money's honna
11:18
Speaker 5: I love this part.
11:19
Speaker 2: It's so good.
11:22
Speaker 5: Hi.
11:22
Speaker 2: There, have you got a money dilemma you just can't solve?
11:25
Speaker 2: The Sheese on the Money Team is here to help.
11:28
Speaker 2: Every week, we tackle your dilemmas, both big and small,
11:31
Speaker 2: to answer your most burning money career and life questions.
11:34
Speaker 2: To get involved, simply head to our website and leave
11:37
Speaker 2: us a short voice recording and you might just find
11:39
Speaker 2: yourself on the show. Now, let's take a listen to
11:42
Speaker 2: this week's money dilemma.
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Speaker 6: Hey, I've got a money dilemma for you. I get
11:48
Speaker 6: paid monthly, and right now, at the end of every
11:51
Speaker 6: single month, I am strapped for cash. At the start
11:54
Speaker 6: of each month, I put some money away for my savings,
11:58
Speaker 6: for investing and to pay my bills, and by the
12:02
Speaker 6: end of the month, I am looking for money under
12:04
Speaker 6: the couch. So I'm just looking for some tips and
12:06
Speaker 6: guidance on how I can avoid that, because December January
12:10
Speaker 6: it was rough this year anyway, love your work.
12:14
Speaker 5: By that took me by surprise that it was a
12:16
Speaker 5: male voice, because I wasn't expecting it. But I love
12:18
Speaker 5: that we have men in our community. We had a
12:20
Speaker 5: few at hour events over the past couple of weeks,
12:22
Speaker 5: and we had a few that arguably were brought against
12:24
Speaker 5: their will as boyfriends, and there were some who listened
12:26
Speaker 5: and I freaking love it.
12:28
Speaker 2: It's actually the best. I did give me a little jump, though,
12:31
Speaker 2: I was like, is this all right? Recording? I love
12:34
Speaker 2: this though I also love this question because I feel
12:37
Speaker 2: like this is something that I used to struggle with
12:39
Speaker 2: and then I found my way of budgeting. And Jess,
12:42
Speaker 2: I feel like you're probably really good at talking about
12:45
Speaker 2: this because I pay you monthly. We will watching it.
12:48
Speaker 2: But I guess the summary of these is My best
12:51
Speaker 2: advice would literally be the She's on the Money budgeting
12:54
Speaker 2: cash flow course. And the reason for that is because
12:57
Speaker 2: there's so much more that comes into budgeting and cash
12:59
Speaker 2: flow and structuring ourselves than just okay, well, instead of
13:04
Speaker 2: living week to week, how do I live months to months?
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Speaker 2: Because those big costs then add up even more. I
13:10
Speaker 2: feel like they hurt you more when you're living on
13:12
Speaker 2: a monthly budget than a weekly one, because if a
13:14
Speaker 2: really big cost comes up, jest, you go, oh shit,
13:17
Speaker 2: like that's okay or right, all paid off over the
13:19
Speaker 2: next two or three weeks, and you can kind of
13:21
Speaker 2: justify it. They're to yourself. Then if you go, okay, cool,
13:25
Speaker 2: I got paid four and a half thousand dollars this month,
13:27
Speaker 2: and then I have my rediol and it's twelve hundred
13:29
Speaker 2: dollars and you're like, wow, that's a quarter of my
13:32
Speaker 2: income or you know, a quarter of my budget just gone.
13:36
Speaker 2: And I think that when it comes to budget and
13:37
Speaker 2: cash flow, we actually need to take a step back
13:40
Speaker 2: and not talk about how often you get paid, but
13:42
Speaker 2: rather how many bills and expenses do I have every week,
13:46
Speaker 2: every month, every year? What do those different expenses cost?
13:50
Speaker 2: What do they look like? If it's a weekly cost
13:52
Speaker 2: like groceries, okay, we can put it in as a
13:54
Speaker 2: weekly cost, but then it might be a monthly cost
13:57
Speaker 2: like a phone bill, and then it extrapolates out too,
14:00
Speaker 2: so annual bills like you might have some insurances to pay,
14:03
Speaker 2: or you might have your redgo or your car insurance
14:05
Speaker 2: or something like that, right that we need to take
14:07
Speaker 2: into consideration. And if it's twelve hundred bucks a year
14:10
Speaker 2: for your car rego, what's one hundred dollars a month
14:13
Speaker 2: that we actually have to put aside to make sure
14:15
Speaker 2: that it doesn't bite us in the butt when it
14:17
Speaker 2: comes time to paying it. So I think it's actually
14:20
Speaker 2: about the system you have, and there's not actually a
14:24
Speaker 2: different way of approaching it when it comes to I
14:27
Speaker 2: get paid weekly or I get paid monthly when we
14:29
Speaker 2: start that conversation, because we actually need to understand every
14:32
Speaker 2: single dollar that comes into our account and what job
14:35
Speaker 2: it has, and making sure that we have a banking structure.
14:38
Speaker 2: And that's why I always talk about this concept called
14:42
Speaker 2: a cash hub, where every single dollar goes into your
14:44
Speaker 2: cash hub and it sits there in waiting for you
14:47
Speaker 2: to give it a job, and every single dollar that
14:50
Speaker 2: comes into your account gets given a job. So it
14:53
Speaker 2: might come in and it might be for your food,
14:55
Speaker 2: fuel and fun account, which I call that because it
14:58
Speaker 2: sounds way more fun. But that's basically your everyday expenses
15:01
Speaker 2: and your groceries and things that you tap a debit
15:03
Speaker 2: card for. You might say, okay, Victoria, I spend a
15:06
Speaker 2: total of two hundred and fifty dollars a week on food, fuel,
15:09
Speaker 2: and fun. So you take that two hundred and fifty
15:11
Speaker 2: dollars from your cash up and pop it on your
15:12
Speaker 2: debit card on a weekly basis, And I recommend that
15:17
Speaker 2: regardless of whether you get paid weekly or monthly or fortnightly,
15:20
Speaker 2: or however you get paid, we set up a direct debit.
15:24
Speaker 2: Mine personally is on a Thursday, because I want to
15:27
Speaker 2: withhold all of my money till closer to the end
15:29
Speaker 2: of the week. Because if you give me two hundred
15:31
Speaker 2: and fifty dollars on Monday.
15:33
Speaker 5: Gonna be gone.
15:33
Speaker 2: It's gonna be gone. Like That's exactly it, right, That
15:37
Speaker 2: is exactly how I function because I can't be trusted.
15:40
Speaker 2: Why do you think I have such a strict system
15:44
Speaker 2: that enables me to work in the way that I work,
15:46
Speaker 2: but also takes into consideration the fact that I literally
15:49
Speaker 2: have ADHD. So if the money's there, I'm going to
15:51
Speaker 2: spend it. It's just going to happen. So I transfer
15:54
Speaker 2: it on the Thursday, because often if I'm going to
15:56
Speaker 2: go out for drinks, it might be on a Thursday
15:58
Speaker 2: or a Friday night after work, and then I know
16:01
Speaker 2: that if I've got the weekend coming up, Okay, well,
16:03
Speaker 2: if I have brunched on a Saturday, I then look
16:05
Speaker 2: at my account make sure that I've got some money
16:07
Speaker 2: left over. And you know that time of the week
16:09
Speaker 2: is when I do my groceries, right, So I have
16:11
Speaker 2: that money that goes there, But then I also have
16:14
Speaker 2: all my direct debts coming out of my cash hub.
16:17
Speaker 2: So the money that is sitting in that cash hub
16:19
Speaker 2: is kind of laying in wait, you could say, to
16:21
Speaker 2: be allocated to an expense. So it might be my
16:24
Speaker 2: monthly phone bill, and I know that that's forty five
16:26
Speaker 2: dollars a month, and that's going to come out of
16:28
Speaker 2: my cash hub, so that money doesn't need to be
16:31
Speaker 2: put to work in the interim that money for me,
16:34
Speaker 2: That job of that cash is to sit there and
16:36
Speaker 2: wait so that it can pay my bill later in
16:38
Speaker 2: the month. And I think that there's this misconception where
16:42
Speaker 2: every single dollar needs to work as hard as you
16:43
Speaker 2: do for it. But when I say that, I don't
16:47
Speaker 2: mean it needs to be making a massive return. I
16:50
Speaker 2: mean it needs to be taking some pressure off you
16:52
Speaker 2: or feeling good about that, or you know it's working
16:56
Speaker 2: hard for you so that it can pay the bill
16:58
Speaker 2: that you have for scene coming up right, And then
17:02
Speaker 2: every single week, or you could do this monthly or
17:04
Speaker 2: fortnightly or however often you want. We then transfer out
17:07
Speaker 2: our savings amount and our investment amount if we're in
17:10
Speaker 2: the privileged position to be able to do those things,
17:13
Speaker 2: so they're pre allocated. That money's already put into other
17:16
Speaker 2: accounts that we can't touch, we can't talk about. And
17:20
Speaker 2: then if you have a mortgage, which I know is
17:22
Speaker 2: going to be a question that people will ask. One
17:25
Speaker 2: of the best things that you can do not advice.
17:29
Speaker 2: Just what my clients have been doing for a really
17:31
Speaker 2: long time is making that cash hub an offset to
17:34
Speaker 2: your mortgage, so that your cash that is laying in
17:37
Speaker 2: weight to be given a job is actually offsetting the
17:41
Speaker 2: money that you are meant to be paying on your mortgage,
17:44
Speaker 2: which means even when it's kind of laying in weight
17:46
Speaker 2: not doing anything at least, it's kind of working a
17:48
Speaker 2: little bit hard. If you don't have that system set up,
17:51
Speaker 2: you don't have a mortgage, that's totally okay. It could
17:54
Speaker 2: just be a savings account that you get paid into
17:56
Speaker 2: that might have some type of return at this point
17:59
Speaker 2: in time. Not that likely, but it's a good idea.
18:02
Speaker 2: It's a good thing to think about. But every single
18:05
Speaker 2: dollar needs to be allocated for so regardless of whether
18:08
Speaker 2: you work monthly or you work fortnightly or weekly, or
18:12
Speaker 2: if you are someone who has a really inconsistent income.
18:15
Speaker 2: And I know lots of people in our community work
18:17
Speaker 2: casually and maybe over Christmas they take over heaps more
18:20
Speaker 2: shifts because they're UNI and they can do that, and
18:23
Speaker 2: then when they're back at UNI during the year, they
18:25
Speaker 2: can't do as many shifts. This system works for you
18:29
Speaker 2: as well, because it tells us how much we spend
18:31
Speaker 2: each week and we need to allocate to our spending fund.
18:34
Speaker 2: So what that looks like is going, okay, cool, I'm
18:37
Speaker 2: working my butt off over these Christmas holidays. I made
18:40
Speaker 2: triple what I usually make. That doesn't spend it. That
18:43
Speaker 2: doesn't mean you spend triple. That means that we actually
18:46
Speaker 2: have a baseline of spending that we know we meet
18:49
Speaker 2: and that cash hub might get a little bit juicier,
18:51
Speaker 2: at which point we go, all right, should I be
18:54
Speaker 2: you know, treating myself? We can treat ourselves sometimes that's
18:57
Speaker 2: absolutely okay, but we really to think of it like
19:01
Speaker 2: making Hey, while the sun is shining, So if you
19:03
Speaker 2: have some extra cash coming in, can we put it
19:06
Speaker 2: into an emergency fund? Can we put it into savings
19:08
Speaker 2: or an investment to get ourselves ahead, so that when
19:12
Speaker 2: we are back in the groove of things and we
19:14
Speaker 2: don't have that flexibility that we had over Christmas, can
19:17
Speaker 2: we actually make use of those funds then to take
19:20
Speaker 2: the pressure off in the way that you thought you
19:22
Speaker 2: were going to have those work for you. Does that
19:24
Speaker 2: make sense? That makes sense. That does make sense. So
19:26
Speaker 2: it's one of those things that I find really challenging
19:29
Speaker 2: to articulate via podcast because like the way that I've
19:32
Speaker 2: always taught it is to you know, go all right, Beck,
19:35
Speaker 2: let's sit down and I'll draw out a cash flow
19:37
Speaker 2: system on a whiteboard and this is where this goes,
19:39
Speaker 2: and what are your values? How does this work? And
19:41
Speaker 2: maybe Beck and I will do that actually, because I've
19:44
Speaker 2: told Beck that I'll I'll do her budget and cash
19:46
Speaker 2: flow very soon.
19:47
Speaker 4: Thank you.
19:47
Speaker 2: Because you got a new job, you have to be
19:49
Speaker 2: on it. Oh, I need to be on it right now.
19:50
Speaker 2: I'm living people. We won't tell we won't tell people
19:53
Speaker 2: what you're earning, but we can talk about the system
19:54
Speaker 2: and I can teach. Sure might share that. That seems
19:57
Speaker 2: quite fun. And then so, Jess, what tips and tricks
20:01
Speaker 2: do you have as somebody who lives in the situation
20:05
Speaker 2: of being a monthly pay I actually quite like it.
20:08
Speaker 4: I don't know if I'm the anomaly here. I prefer
20:10
Speaker 4: monthly pay.
20:11
Speaker 2: Why. I think because I'm a very visual person.
20:14
Speaker 5: So for me at the start of the month, and
20:16
Speaker 5: I mean, the money is the same, right, whether you're
20:17
Speaker 5: being paid twice a month, once month, every week, whatever,
20:20
Speaker 5: it is, the amount of money that you have come
20:22
Speaker 5: in or at least in this situation for me personally,
20:25
Speaker 5: because I want a salary, it's the same, and so
20:28
Speaker 5: I really like that I have the full amount and
20:32
Speaker 5: I can then do my breakdown, which for the most
20:34
Speaker 5: part stays the same because I have my budget as
20:36
Speaker 5: my baseline. But if I go, oh, this month, I
20:38
Speaker 5: have two weddings and I want to buy address, or
20:41
Speaker 5: I need to allocate money for a gift, I can
20:44
Speaker 5: look at all of my money for the month as
20:45
Speaker 5: a whole and figure out what the impact is, Whereas
20:48
Speaker 5: I feel like if you're going week to week.
20:50
Speaker 2: Or fortnight to fortnight.
20:52
Speaker 5: I haven't had that for a really long time because
20:54
Speaker 5: I think monthly is more common in corporate work. But
20:56
Speaker 5: when I was doing that, I was always falling into
20:59
Speaker 5: the train of being like, oh, I'm going to spend
21:01
Speaker 5: this money and I'll just put extra back in next power,
21:04
Speaker 5: Whereas I think when you're going month to time, you're
21:07
Speaker 5: I'm not going to have any additional funds for four
21:09
Speaker 5: to five weeks, and I feel like that makes me
21:12
Speaker 5: better and being very visual. I've said this before, but
21:15
Speaker 5: I have accounts for everything that I spend on on
21:18
Speaker 5: the month. I have one for clothes, I have one
21:19
Speaker 5: for beauty, I have one for groceries, and I put
21:22
Speaker 5: my money in there for the month and I go,
21:23
Speaker 5: that's what I've got, And when that starts to get low,
21:26
Speaker 5: I go, oh, I need to pull my head in
21:27
Speaker 5: or I need to really think about my purchases.
21:29
Speaker 4: And that works for my brain.
21:31
Speaker 2: I guess do you like monthly pay? I can definitely
21:34
Speaker 2: appreciate that.
21:35
Speaker 3: I think that I like seeing it as well as
21:38
Speaker 3: a whole and seeing, like, you know, I can pay
21:40
Speaker 3: my rent in one go.
21:42
Speaker 2: I don't have to be like, okay this week, you know.
21:45
Speaker 3: Yeah, so there are some bills that I like to
21:49
Speaker 3: just get out of the way, but then budgeting for
21:51
Speaker 3: the next few weeks, like this is what my fun
21:54
Speaker 3: fuel and what.
21:55
Speaker 2: Did you call it?
21:55
Speaker 1: Fuel?
21:55
Speaker 2: And fun food fuel and fine, I will set you up.
21:58
Speaker 2: I'm going to film me during the time.
22:00
Speaker 3: Yeah, I would really love that because right now I
22:01
Speaker 3: don't know what I'm doing.
22:02
Speaker 2: So I got you.
22:04
Speaker 3: I also feel like, do you think that we get
22:05
Speaker 3: paid more? This probably sounds ridiculous, but because we get
22:09
Speaker 3: paid monthly, it's like when you pay rent monthly, it's
22:12
Speaker 3: a little bit more than if you paid it weekly,
22:14
Speaker 3: so I feel like it's the same if you get
22:16
Speaker 3: paid monthly.
22:17
Speaker 2: It kind of works out that way and.
22:19
Speaker 3: A little bit more.
22:20
Speaker 2: Yeah, it depends on what system people work on, so
22:23
Speaker 2: Jess is system. I hope you don't mind me sharing this.
22:26
Speaker 2: I'm not telling people what you get paid, but moment
22:28
Speaker 2: is good. The way it works for us is two
22:31
Speaker 2: weeks scein arrears and two weeks ahead, so it's never
22:34
Speaker 2: actually January's pay, if that makes sense, or February's pay.
22:39
Speaker 2: It falls in the middle of that month, and it's
22:41
Speaker 2: kind of like two weeks in aarrears, two weeks ahead
22:43
Speaker 2: and that that seems to work for us quite well.
22:46
Speaker 2: So for Jess, it would be consistent basically every time,
22:50
Speaker 2: or should be every time, just because of the way
22:52
Speaker 2: it works. Obviously, if someone is paying you quote on
22:55
Speaker 2: a monthly basis and you have to work an entire
22:58
Speaker 2: month and then get paid, February has twenty eight days,
23:01
Speaker 2: so that would be less, and then all the months
23:03
Speaker 2: that have like thirty one days, you'd get paid more.
23:06
Speaker 2: So it really depends on how your I guess bookkeeping works.
23:11
Speaker 2: But I'm going to say something really spicy that I
23:13
Speaker 2: don't know. Everyone is going to love. People who like
23:17
Speaker 2: monthly pays are usually more responsible when it comes to
23:19
Speaker 2: budgeting and cash flow makes sense.
23:21
Speaker 4: It's all checked it out.
23:23
Speaker 2: Yeah, So, like, if you're getting paid monthly and it
23:26
Speaker 2: stresses you out, I don't want to pinpoint, but more
23:30
Speaker 2: times than not, when I sit down with that person,
23:33
Speaker 2: I will find that they aren't across their budget. They
23:36
Speaker 2: don't know how much they spend. They don't know how
23:39
Speaker 2: they can save or how they can invest because they've
23:42
Speaker 2: never really done that before and they've always just operated
23:45
Speaker 2: out of I guess anxiety and gone, okay, well, they
23:48
Speaker 2: have all this money, and I know that, you know,
23:49
Speaker 2: my rent might be twelve hundred dollars a month, so
23:51
Speaker 2: I can't spend that, and then it's a free for
23:54
Speaker 2: all for the rest of it. I'll just work it
23:55
Speaker 2: out and it'll be right. Oh it's a week until
23:57
Speaker 2: the end of the month. Oh crap, all right, Well
23:59
Speaker 2: I just won't go drinks with my friends. Like that's
24:01
Speaker 2: kind of how I find that might literally mean, but
24:06
Speaker 2: it's my experience with people who get paid monthly who
24:09
Speaker 2: maybe aren't on top of it, and it actually doesn't
24:11
Speaker 2: matter what you earn. You could be earning forty thousand
24:14
Speaker 2: dollars a year, you could be earning four hundred thousand
24:15
Speaker 2: dollars a year, and that same system is going to
24:17
Speaker 2: mess you up regardless. And I think a lot of
24:21
Speaker 2: people often think, oh, I don't earn enough, and if
24:23
Speaker 2: I do my budget, I'll feel really overwhelmed and this
24:25
Speaker 2: will really suck. It's not like that at all. You'll
24:28
Speaker 2: actually feel more empowered because you go, yep, sick, all
24:31
Speaker 2: my bills are there, this is what I can spend
24:33
Speaker 2: without getting into trouble. And if you're not on top
24:36
Speaker 2: of your budget and cash flow, ultimately you'll start spending
24:39
Speaker 2: more than your earning and you will end up in
24:41
Speaker 2: a pickle. So it's I don't know. I feel like
24:44
Speaker 2: budgets can be really restrictive and that's why people avoid them.
24:47
Speaker 2: But from my perspective, it's actually just a little bit
24:50
Speaker 2: of insight. How am I spending my money? Am I
24:53
Speaker 2: okay with it? It's not about comparison, it's not about restricting yourself.
24:57
Speaker 2: I don't restrict myself in my budget at all. Like
25:00
Speaker 2: I get really sick of people and I'm seeing a
25:02
Speaker 2: lot of tiktoks at the moment, I feel like I
25:04
Speaker 2: bring TikTok up every single Friday, but that's because that's
25:07
Speaker 2: where I live. I live on TikTok pricet. That's okay,
25:10
Speaker 2: that's okay, enrapment, But people like I save eighty percent
25:14
Speaker 2: of my income, no chance. But it's just not going
25:17
Speaker 2: to happen. Yeah, And I need to be really honest
25:20
Speaker 2: about that.
25:20
Speaker 5: Yeah.
25:22
Speaker 1: Yeah.
25:22
Speaker 2: If if you contese on the money to save eighty
25:25
Speaker 2: percent of your income, you do, you boo. But I
25:27
Speaker 2: will not be teaching you. It's just not going to
25:29
Speaker 2: happen because I'm not about restriction. I just think that
25:31
Speaker 2: that ultimately leads to burnout and putting yourself in a
25:34
Speaker 2: pickle position. But do you reckon? We've spoken too much
25:38
Speaker 2: about a budget and cash flow.
25:39
Speaker 5: I'm just so excited about it, and I believe it's
25:42
Speaker 5: been off for a little bit. But I'll turn it
25:43
Speaker 5: back on seeing as we're harping on about it right now.
25:46
Speaker 4: If you want to do.
25:46
Speaker 2: The you guys get something out of the fact that
25:49
Speaker 2: you just listen to all of that.
25:51
Speaker 5: If you want to do the budget and cash Flow
25:52
Speaker 5: master Class, which is the system that I use. The
25:54
Speaker 5: budget we're going to get back on as well. And
25:55
Speaker 5: it comes with a very handy dandy automated budget that does.
25:58
Speaker 2: Your full second.
26:00
Speaker 5: It is pretty good and it does at all for you.
26:02
Speaker 5: If you're in a math scale like myself, very handy.
26:05
Speaker 5: Use the code pod fifty. I'll turn it back on today.
26:07
Speaker 5: It'll be up for three weeks and four weeks. Oh,
26:11
Speaker 5: she's generous.
26:12
Speaker 4: She's in a good mood. I know she's in bad
26:14
Speaker 4: mood again next four weeks.
26:17
Speaker 5: You knew the cod pop fifty because if you're paid monthly,
26:20
Speaker 5: then even if you're payday with today, you can work
26:22
Speaker 5: intor budget for next month.
26:23
Speaker 2: Yeah, okay, that seems quite kind of you. I'm not
26:25
Speaker 2: that nice, so I would have been like, oh, I
26:26
Speaker 2: forgot about the discount code yellow. Much nicer person than me.
26:30
Speaker 2: Let's move on though. How about we have a chat
26:33
Speaker 2: about our community concern which looked like this, Hey, v
26:37
Speaker 2: Jess and Beck. Oh, dear, I feel a partner that
26:42
Speaker 2: I'm loving these chats, and I'm hoping you can help
26:45
Speaker 2: me with my dilemma. I have an amazing group of
26:48
Speaker 2: girlfriends we met at UNI and have staid friends now
26:51
Speaker 2: into our twenties. However, my goals are starting to shift
26:55
Speaker 2: and I really want to save for a house. I
26:57
Speaker 2: told the girls that I want to stop going out
26:59
Speaker 2: and then in brackets because let's be real, a night
27:01
Speaker 2: out is bloody spano and they've just been really annoying
27:05
Speaker 2: about it. They tell me you're only young once and
27:08
Speaker 2: don't be boring, But I genuinely don't care anymore about
27:11
Speaker 2: spending my money on a night out, and I get
27:14
Speaker 2: so much guilt when I look at my bank account
27:16
Speaker 2: the next day. How can I approach this with them?
27:19
Speaker 2: They are aware, so I need help. I understand it's
27:21
Speaker 2: been a bit of a pillar of our friendship, so
27:23
Speaker 2: I'm worried that they'll stop being so friendly with me.
27:26
Speaker 2: Please help kiss kiss.
27:28
Speaker 3: Many layers, many layers, like an onion, an onion, I
27:33
Speaker 3: would say, I know that, like my friends would never
27:35
Speaker 3: pressure me to go out. And you know, but I
27:38
Speaker 3: guess if you've good friends, yeah, good, yeah, good friends.
27:40
Speaker 3: I have really good friends, and we all should have
27:42
Speaker 3: friends that don't pressure us to.
27:43
Speaker 2: Do absolutely not. Are they really a friend if they're
27:46
Speaker 2: pressuring you?
27:46
Speaker 5: Like me?
27:48
Speaker 3: But I also know there's this thing that you're only
27:51
Speaker 3: young once. You got to go out and live it up,
27:52
Speaker 3: and hopefully it's coming from a good place. Hopefully it's
27:55
Speaker 3: not just like, Hey, you're our fun drunk friends are
27:58
Speaker 3: You've got to come out all the time.
27:59
Speaker 2: Hopefully, Hey, I am that is the way I am back.
28:03
Speaker 2: That's not true. I'm so annoying. I go out and
28:07
Speaker 2: I think this might be because I'm in my thirties.
28:09
Speaker 2: Now Jess can probably attest because she might be in
28:11
Speaker 2: her twenties, but she acts like she's in her thirties.
28:14
Speaker 2: Will go out and we'll be like John, a cocktail, Yep,
28:16
Speaker 2: you want a cocktail. Do you want to be in
28:17
Speaker 2: bed by nine? Yep? Want to be in bed by nine? Bye?
28:20
Speaker 2: The best.
28:21
Speaker 5: I think that's both worlds. Get me drunk and get
28:24
Speaker 5: me cozy in bed. Yeah, it's all cozy about some
28:28
Speaker 5: perfect Yeah.
28:29
Speaker 2: But we asked the community a few follow up questions,
28:32
Speaker 2: and one of them was have your financial goals changed
28:35
Speaker 2: in the past few years, And ninety five percent of
28:38
Speaker 2: people said absolutely, character development yep, And five percent said yeah, nah,
28:44
Speaker 2: stay the same. So ninety five percent of our community,
28:47
Speaker 2: because that was a pretty good sample size, said yeah, no,
28:51
Speaker 2: we change. The next question we asked them was did
28:54
Speaker 2: you have any friends slash family that you felt you
28:56
Speaker 2: needed to justify these goals too, which I find really ick,
29:01
Speaker 2: Like that was why we asked, But I hate the
29:03
Speaker 2: idea that we feel like we need to justify ourselves.
29:06
Speaker 2: Fifty nine percent, so that's pretty good, said absolutely not.
29:09
Speaker 2: It isn't their business. But forty one percent of you
29:12
Speaker 2: said yes, it was something I felt was necessary. Ick yeah,
29:17
Speaker 2: And then we said, do you sometimes feel uncomfortable telling
29:20
Speaker 2: your friends you can't afford a night out because you're
29:22
Speaker 2: saving for something else. Forty percent said yep, twenty seven
29:26
Speaker 2: percent said no, my friends are really good with this,
29:28
Speaker 2: and then thirty three percent of you, so exactly a
29:31
Speaker 2: third said a bit of both. So I just find that,
29:35
Speaker 2: from my perspective, really interesting, especially because we are right now,
29:40
Speaker 2: we're sitting in a community or a room full of
29:41
Speaker 2: women who are very akin to finance conversations. Like if
29:46
Speaker 2: Jess said I can't afford that, I'd be like, yes, sick,
29:48
Speaker 2: Norris will work something out, Like it doesn't even cross
29:51
Speaker 2: my mind that there's a layer of judgment that might
29:54
Speaker 2: be there, Like I feel like if I said to
29:56
Speaker 2: you back something and you said no, I'd be like, yeah, right, nories,
29:58
Speaker 2: let's find a different solution. Like, it's not why not?
30:02
Speaker 2: Oh but you can't. I would feel horrendous And I
30:05
Speaker 2: feel is that starting to trickle into your friendship conversations Jess?
30:09
Speaker 5: Yeah, And I don't know, as you said, if it's
30:11
Speaker 5: an age thing, I would be really interested to know
30:14
Speaker 5: the ages of our and obviously we're do we get
30:16
Speaker 5: on Instagram story so like the dart is not perfect?
30:18
Speaker 5: But I think, what do you mean as you get older?
30:22
Speaker 5: I think, firstly you careless love that, but also I
30:26
Speaker 5: think those priorities really do have to shift, because I've
30:28
Speaker 5: had a friend within the last couple of months say
30:31
Speaker 5: to our group of girls, hey, like, is it all
30:33
Speaker 5: right if we ease back on the things that we're
30:35
Speaker 5: doing because our mortgage has gone up and we've got
30:37
Speaker 5: a kid and exactly, And every response immediately was, of course,
30:43
Speaker 5: what can we do? Come to our house, We'll cook you. Like,
30:45
Speaker 5: there wasn't even a beat of thought where you would
30:48
Speaker 5: ever say no, what are you doing? So I don't
30:50
Speaker 5: know if that's because as you get older, generally people
30:53
Speaker 5: do take on a little bit more of a financial burden.
30:57
Speaker 5: But also I think that the mindset of her friends
31:00
Speaker 5: sounds very like selfish, and that is again something that's
31:03
Speaker 5: typical of all of us when we're really young, right,
31:05
Speaker 5: it's that no, I want you to be there because
31:07
Speaker 5: you are my best day and we have so much fun.
31:08
Speaker 5: We're gonna get drunk, were gonna do this, and we're gonna
31:10
Speaker 5: do that, and that is fine. But I don't think
31:13
Speaker 5: they're thinking about the impact that it's having on our listener,
31:16
Speaker 5: and that it is hard to be the person who's like, oh,
31:19
Speaker 5: I'm the boring one. And I was always the boring one, Like, oh,
31:22
Speaker 5: like I've got responsibilities or I've got things i want
31:24
Speaker 5: to do or whatever. But as you said, are they
31:27
Speaker 5: your friends, Because again, if you're young, and I'm making
31:30
Speaker 5: presumptions here, but you do tend to outgrow people like
31:33
Speaker 5: there are sometimes people who are just there for a
31:35
Speaker 5: season of your life, people that you would go out
31:37
Speaker 5: with at UNI, or people that you were in class
31:39
Speaker 5: at school with them. And I think that if you
31:43
Speaker 5: get to a place where your goals don't align, and
31:46
Speaker 5: if you get to a place where they're not willing
31:48
Speaker 5: to be flexible on their expectations of you, maybe they're
31:51
Speaker 5: just not the right people for you anymore.
31:53
Speaker 4: And that's not a bad thing.
31:54
Speaker 2: It's funny, isn't it. As you get older, and I
31:57
Speaker 2: guess now having been room my twenties, I reflect on
32:02
Speaker 2: it and it's just so interesting because I remember my
32:05
Speaker 2: mum saying to me, some of your friendships will actually
32:07
Speaker 2: end up being situationships and you might be like good
32:11
Speaker 2: friends with them because you both work at the same
32:13
Speaker 2: cafe and you text each other all the time because
32:15
Speaker 2: you've got this commonality between the two of you, and
32:19
Speaker 2: the second one of you leaves, the communication is just
32:21
Speaker 2: going to stop. You're not going to talk to each
32:23
Speaker 2: other ever again. Despite saying, oh my gosh, I talked
32:26
Speaker 2: to her every single day. I opened to the cafe
32:29
Speaker 2: with her at five am every morning. We were so close,
32:33
Speaker 2: when in reality, you just had something in common that
32:35
Speaker 2: bonded the two of you together. And I just find
32:38
Speaker 2: that so interesting because I was like in my late
32:41
Speaker 2: teens being like, whatever, these are my best friends for
32:44
Speaker 2: my whole entire life, And now I'm like, I do
32:48
Speaker 2: not want to surround myself with those people. What are
32:51
Speaker 2: you talking about? You are not like supportive or kind
32:54
Speaker 2: or whatever you are that I want to surround myself
32:56
Speaker 2: with now. And it's interesting because it can be heartbreaking
33:00
Speaker 2: at the same time, because the loss of a friendship hurts,
33:03
Speaker 2: it can suck. But I'm not saying that that's what
33:07
Speaker 2: this you know listener should go through. But I think
33:09
Speaker 2: it's just an interesting I guess segway into I guess
33:13
Speaker 2: conversing back again about just stick to your boundaries, like
33:17
Speaker 2: create boundaries with it and say, okay, cool, Well I've
33:19
Speaker 2: worked out my budget and I can probably go out
33:21
Speaker 2: like once a month, so you know, if there's a
33:23
Speaker 2: few things you want to do, let me know what's
33:25
Speaker 2: your fave, and like, I'll make sure that I come
33:27
Speaker 2: to that one, or even just sharing the goal be like,
33:30
Speaker 2: oh my gosh, I'm saving thirty thousand dollars and I'm
33:34
Speaker 2: going to be doing this over the next three years
33:36
Speaker 2: by saving ten thousand dollars in Oh my gosh, if
33:38
Speaker 2: you break that up, that's twenty seven dollars fifty a day,
33:40
Speaker 2: and oh my gosh, that just falls through your fingers
33:42
Speaker 2: so easily. I think really contextualizing it, and I don't
33:46
Speaker 2: think anyone should justify anything to anybody. We've spoken about
33:49
Speaker 2: this on the podcast before. You do not owe anybody
33:52
Speaker 2: in explanation for anything, but as a people pleaser. I
33:56
Speaker 2: love doing that.
33:57
Speaker 4: Yes, so let's give you the tools to do that proper.
34:00
Speaker 2: But it is not an expectation. I think being able
34:03
Speaker 2: to quote justify it in a way and just say, hey, like,
34:06
Speaker 2: these are my goals, this is what I'm going to do,
34:08
Speaker 2: this is what I want to do. Well, maybe make
34:10
Speaker 2: your friends see that you are far more serious about
34:13
Speaker 2: it than Oh, she's just got in her head that
34:15
Speaker 2: she wants to buy a house. It's not going to happen.
34:18
Speaker 2: Whereas you know, walking the walk can often make people
34:21
Speaker 2: see that, oh, Jess is serious.
34:23
Speaker 3: Yeah, and they adapt.
34:25
Speaker 2: To this new version of you. Yeah, yes, slowly, and
34:28
Speaker 2: we can all change and be different people and change
34:31
Speaker 2: our goals. Like ninety five percent of our community said
34:33
Speaker 2: that their financial goals have changed in the last few years. Yeah,
34:36
Speaker 2: and I think that's really cool. But then also, who knows.
34:40
Speaker 2: You might get halfway down this home buying journey and
34:43
Speaker 2: save half a deposit and be like, I don't want
34:45
Speaker 2: to do that anymore, and that's totally okay. I think
34:48
Speaker 2: we need to be accepting of that as well. But
34:51
Speaker 2: I just think friends should support friends. I think there's
34:54
Speaker 2: the difference between FOMO like your friends just don't want
34:57
Speaker 2: you to miss out. And now I just really want
34:59
Speaker 2: Jess to come to the party. I just really want
35:00
Speaker 2: Jess there because I bloody love Jess. And then there's judgment,
35:04
Speaker 2: and I think those two things are very different, and
35:07
Speaker 2: I think that we need to be able to decipher
35:08
Speaker 2: them so that we don't feel like our friends are
35:11
Speaker 2: judging us for being you know, Oh my god, I
35:13
Speaker 2: can't believe dresses not doing that. She sucks so much.
35:16
Speaker 2: And oh, my friend actually just really wants me there.
35:19
Speaker 2: Maybe we could find a common ground. Why don't you
35:23
Speaker 2: come to my place before We'll have a wine while
35:25
Speaker 2: you get ready, and then you know, I'm not going
35:28
Speaker 2: to drink that much. I'll drop you to the train station,
35:30
Speaker 2: like I can still have that quality time with my friend.
35:33
Speaker 2: So I think really working out what the underlying driver
35:36
Speaker 2: of that conversation is is going to really help, because
35:39
Speaker 2: if it is judgment, get in the bin. But if
35:42
Speaker 2: it's not, it's really around. Oh, I just really want
35:44
Speaker 2: to spend more time with you, and I only have
35:46
Speaker 2: the weekends because I work all week. Ah, well, what
35:49
Speaker 2: could we do? How can we spend more time together
35:52
Speaker 2: in a way that services both of our goals.
35:55
Speaker 5: Yeah.
35:55
Speaker 2: Absolutely, that's a really really good point.
35:57
Speaker 3: And I think that if let's say this community member
36:01
Speaker 3: didn't actually say that they wanted to go out, still.
36:05
Speaker 2: They kind of are prioritizing saving money.
36:07
Speaker 3: But let's say hypothetically that's also a priority of theirs.
36:11
Speaker 3: You don't have to really go out and drink. You
36:15
Speaker 3: can maybe, I know this is really boring. You can
36:16
Speaker 3: go have a soda water.
36:17
Speaker 5: Or rap that.
36:22
Speaker 3: Let's just have half water, or you could just like
36:26
Speaker 3: have like house gallows. Try and shift it from going
36:29
Speaker 3: out house gatheros. She's always been way cooler.
36:33
Speaker 4: I thought gather was a lame word, but here we
36:35
Speaker 4: all know.
36:36
Speaker 2: I've just never been invited to a house gather. Thank you.
36:40
Speaker 3: I would love because that's a lot cheaper. You know,
36:43
Speaker 3: you grab a six pack of beers, you sit around
36:45
Speaker 3: a bonfire, it's so much cheaper. So maybe like just
36:48
Speaker 3: compromising with your friends and be like, hey, let's let's
36:51
Speaker 3: just go to mind this this weekend, or let's do something.
36:54
Speaker 3: Let's go to the park, Let's do something where we
36:55
Speaker 3: can buy drinks at is a you know, an alcohol
36:58
Speaker 3: store instead of going out paying twelve dollars per pint
37:03
Speaker 3: as a about.
37:04
Speaker 5: The bar kick somewhere that does a special like a
37:05
Speaker 5: lot of places will do two for one Tuesdays or
37:08
Speaker 5: stuff like that, like can you find if you really
37:10
Speaker 5: don't want to give up that experience of going out,
37:12
Speaker 5: if that is what you want to do, digger at
37:14
Speaker 5: Like most places these days will do like a just
37:16
Speaker 5: count night or a ladies Night or something. Make the
37:18
Speaker 5: patriarchy work for you. Ladies night, cheaper drinks, sign me up.
37:22
Speaker 4: Absolutely.
37:23
Speaker 2: You guys are talking about alcohol and I'm over here,
37:26
Speaker 2: I'm like, oh yeah, like Taco Tuesday, sing out of ten,
37:30
Speaker 2: so it doesn't always have to be about alcohol. We
37:32
Speaker 2: could go get the cheap tacos right Absolutely.
37:34
Speaker 3: Cheap Tuesday at the cinemas, so good ten out.
37:38
Speaker 2: Oh cheap Tuesday. Forgot about that. That's a good one
37:40
Speaker 2: as well. And if you wear a big hoodie you
37:43
Speaker 2: can stink your snacks in And I don't care what
37:45
Speaker 2: people say. I will do that till I die. Absolutely.
37:48
Speaker 2: I think that's all we have time for today, though, guys.
37:50
Speaker 2: It has been a pleasure as always. Thank you for
37:52
Speaker 2: coming to our International Women's Day events. If you came
37:55
Speaker 2: to those.
37:55
Speaker 5: Happy International Women's Day Week.
37:57
Speaker 2: Yes I'm making win a month International Women's month longer. Yeah, like,
38:02
Speaker 2: I don't care what people say. We are rallying for
38:05
Speaker 2: that over the next few years. But have the best
38:07
Speaker 2: weekend and we'll see you guys on Monday.
38:09
Speaker 3: Bye, guys, Bye.
38:17
Speaker 2: The advice shared on She's on the Money is general
38:19
Speaker 2: in nature and does not consider your individual circumstances. She's
38:23
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38:27
Speaker 2: not be relied upon to make an investment or financial decision.
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