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She's On The Money Radio Recap - · She's On The Money

0:03
Speaker 1: She's on The Money Radio Show.
0:07
Speaker 2: With Victoria Divine starts now, Hello and welcome to that.
0:11
Speaker 2: She's on the Money Radio Show podcast, the podcast for
0:15
Speaker 2: millennials who want financial You got it right. You usually
0:22
Speaker 2: tell me it's not just for millennials or it's blah
0:24
Speaker 2: blah blah. So what's your constructive criticism or how I
0:28
Speaker 2: can be better?
0:28
Speaker 3: Tip this week?
0:29
Speaker 2: Victorian?
0:30
Speaker 4: No, I don't have any advice for you. You are
0:32
Speaker 4: perfect this week.
0:34
Speaker 5: I've got advice we didn't ask actually, all right, Instead
0:38
Speaker 5: of ordering a mcfluurry and McDonald's, which averages around four
0:42
Speaker 5: bucks at the moment with inflation, probably five, you order
0:46
Speaker 5: a thirty cent cone in the Sunday lid and then
0:49
Speaker 5: they put toppings on it and it's still the same
0:51
Speaker 5: price as a soft serve, but it's the same volume
0:54
Speaker 5: as a mcflurry.
0:55
Speaker 1: You're welcome.
0:55
Speaker 4: They don't even flurry the mcflurry's anymore, Honestly.
0:58
Speaker 1: No, they don't. They stopped flouring.
1:00
Speaker 3: What what is flurry?
1:02
Speaker 6: You know how mcflurry is? Right?
1:04
Speaker 4: They used to get that spoon, the square spoon, and
1:07
Speaker 4: they put it in a Yeah it was. And I
1:09
Speaker 4: never understood why the spoons were like that and they
1:11
Speaker 4: would put the spoon in with your toppings and like
1:13
Speaker 4: flurry it around. What They don't do that anymore. They
1:16
Speaker 4: just put some soft serve in a cup, chucks and
1:18
Speaker 4: M and ms on the top and chuck that spoon
1:19
Speaker 4: in there as a sick joke to let you know
1:22
Speaker 4: that your mcflurry was never flurry.
1:23
Speaker 3: Wow, that is actually ridiculous, like.
1:27
Speaker 6: To be honest, and I'm sad about it.
1:29
Speaker 3: Put some effort into a McDonald's.
1:32
Speaker 5: I'm all for saving the turtles, but we need to
1:35
Speaker 5: rethink the paper straw because sits in then all of
1:39
Speaker 5: a sudden, I'm sucking on a crumpet Like it's disgusting.
1:43
Speaker 4: Not given things like bamboo straws exist, there's those sugar
1:47
Speaker 4: cane straws. Like, there's so many other options, yet they
1:50
Speaker 4: chose paper as some kind of pick joke.
1:52
Speaker 2: Okay, I'm glad, like that could have been so misconstrued
1:55
Speaker 2: if somebody just came in late down and what.
1:57
Speaker 3: The hell we were talking?
1:59
Speaker 1: Relate to a No one comes away to a podcast.
2:01
Speaker 2: Travel Sometimes I don't listen to what's actually being said.
2:04
Speaker 2: I don't pay attention guys, all right, yes, you need
2:07
Speaker 2: to be paying attention though, because our She's on the
2:09
Speaker 2: Money radio show this Saturday was an absolute cracker. We
2:13
Speaker 2: had a brand new segment because people are just going
2:16
Speaker 2: crazy and they just need to come come ya.
2:20
Speaker 4: I feel like this has come out of me ranting
2:22
Speaker 4: on my Instagram stories so many times, and our producer
2:25
Speaker 4: saw it and was like, yeah, that's good content.
2:26
Speaker 6: Let's just chuck that on the radio me like.
2:28
Speaker 3: The one that you did this week that caused a
2:30
Speaker 3: little bit of a stir in the news, mate.
2:33
Speaker 4: And I don't even mean it, like I'm just posting
2:35
Speaker 4: my experiences and people get mad about it.
2:38
Speaker 6: It's not my fault.
2:39
Speaker 2: I have a listen to a not Victoria Divine, but
2:42
Speaker 2: like Victim Divine. Sorry, you don't have to say everything
2:45
Speaker 2: that you think though, Victoria just putting it out there.
2:47
Speaker 6: But it's how it got me here, So maybe I do.
2:51
Speaker 2: Speaking of how you got here and why you are
2:54
Speaker 2: great at solving people's money dilemmas. If you're thinking about
2:58
Speaker 2: getting pregnant, or may be you're pregnant at the moment,
3:01
Speaker 2: we're going to.
3:02
Speaker 4: Talk about paid parntal leave from the minimums. I feel
3:05
Speaker 4: like it's a good topic because it's one that confuses everybody.
3:08
Speaker 6: TLDR.
3:08
Speaker 4: I'll check your contracts with your employer because that will
3:11
Speaker 4: guide what is actually gonna happen for you.
3:13
Speaker 2: Every single person's like, all babies cost me so much money,
3:16
Speaker 2: but you're going to make them money.
3:17
Speaker 6: They do.
3:18
Speaker 3: And you know what.
3:18
Speaker 4: I was talking to my girlfriend Phoebe the other day,
3:20
Speaker 4: and Phoebe owns a company called The Memo, which is
3:23
Speaker 4: a remember a really big baby company here in Melbourne
3:26
Speaker 4: that is starting to take Australia by storm.
3:28
Speaker 6: She is an absolute legend.
3:30
Speaker 4: She owns that with her friend Kate Casey, and I'm
3:33
Speaker 4: obsessed with them. But I'm going to do an episode
3:35
Speaker 4: really soon on She's on the Money about how to
3:37
Speaker 4: afford a baby and what it costs Phoebe, because Phoebe's
3:40
Speaker 4: just had a baby, about what it cost her and
3:43
Speaker 4: what she had to fork out and what was worth
3:44
Speaker 4: paying for and what wasn't. And I think that'll be
3:46
Speaker 4: a really good episode for She's on the Money because
3:48
Speaker 4: I don't even know what a baby costs.
3:50
Speaker 6: I just assume they're really expensive.
3:51
Speaker 3: I thought it was like one hundred grand a year
3:53
Speaker 3: or something.
3:53
Speaker 4: Oh I don't even know what it is, but I
3:55
Speaker 4: just feel like, babies are so expensive. And I say
3:58
Speaker 4: that as the only experience I've had of purchasing baby
4:01
Speaker 4: stuff is those expensive gifts you get when you get
4:03
Speaker 4: baby showers.
4:04
Speaker 2: My favorite thing is there when I said one hundred
4:06
Speaker 2: grand a year. Our producer Richie, whose partner is about
4:09
Speaker 2: to have a baby, he just saw that.
4:11
Speaker 3: Hello darkness, my old friend playing as your face went wide.
4:16
Speaker 3: Ye seriously rethink how.
4:18
Speaker 6: Much does your baby cost you thus far?
4:20
Speaker 5: Oh?
4:21
Speaker 3: Probably twenty grand? Holy mold the start.
4:24
Speaker 6: That was an expensive decision.
4:27
Speaker 3: We could mate move on.
4:33
Speaker 6: Sorry, Jess.
4:34
Speaker 2: Something that's not gonna cost you anything gonna save you
4:37
Speaker 2: a bunch of money. Actually, it's the she's on the
4:40
Speaker 2: Muney radio show right now.
4:41
Speaker 7: This is she's on the Money radio show.
4:44
Speaker 2: Yeah, she's on the Money Radio show with Australia's number
4:47
Speaker 2: one finance podcast of Victoria Vine Mitch Jury as well. Guys,
4:51
Speaker 2: we're doing all thanks to Budget direct Winn't Have Can
4:54
Speaker 2: Stars Insurer of the Year twenty twenty two. Budget Directs
4:57
Speaker 2: Insurance Soul Victoria what legend.
5:00
Speaker 4: I feel like they are good eggs doing good things.
5:03
Speaker 4: But speaking of good eggs doing good things and the
5:05
Speaker 4: opposite of that, News media is pretty cooked and it's
5:08
Speaker 4: stressing everybody out with news headlines all around Australia talking
5:12
Speaker 4: about the economy, talking about letters, talking about the cost
5:15
Speaker 4: of fuel, and I feel like we are all getting
5:17
Speaker 4: pretty stressy. So I've collected a few example headlines for
5:21
Speaker 4: you guys, and you're going to tell me how much
5:23
Speaker 4: fear they instill in you. So first one, big banks
5:26
Speaker 4: shock prediction zero.
5:28
Speaker 3: That could mean anything like that is so vague.
5:31
Speaker 1: Can I just say the media give the bank so
5:33
Speaker 1: much press? There's press releases.
5:36
Speaker 5: I don't even know what the RBA is and anyone's
5:37
Speaker 5: talking about I thought that was a hospital in Sydney.
5:39
Speaker 1: Everyone's like the RBA, I have made a big decision.
5:42
Speaker 1: What have they got new beds or something?
5:43
Speaker 3: No, that's RPA, Mitch.
5:45
Speaker 1: The banks are scary in my mind.
5:47
Speaker 3: Anyway, give us another one, Victoria, what's the next one?
5:49
Speaker 4: People are talking about crypto coming back after a massive plunge.
5:53
Speaker 4: I just feel like it is instilling fear for no
5:55
Speaker 4: good reason. And another thing that I got really under
5:59
Speaker 4: my skin about eighteen months ago, which you guys probably
6:02
Speaker 4: will remember, is when all through the media people were
6:05
Speaker 4: talking about the soaring prices of after pay shares, and
6:08
Speaker 4: we're not talking about after pay as a product, we're
6:10
Speaker 4: just talking about people investing in them as a company.
6:13
Speaker 4: And as a financial advisor, I was like, soir, what why?
6:16
Speaker 4: Because they're not even profiting that much to justify the
6:19
Speaker 4: share price that exists. They've never paid a dividend, which
6:23
Speaker 4: is an amount of money that you get paid if
6:25
Speaker 4: you're a shareholder in that company.
6:26
Speaker 6: Where's the value here?
6:28
Speaker 2: Like?
6:28
Speaker 6: Why would I do this?
6:29
Speaker 4: And then now it's completely come off and everyone's complaining
6:32
Speaker 4: that they've lost money on those shares.
6:33
Speaker 6: And they thought it was a good idea.
6:35
Speaker 4: But they thought it was a good idea because they
6:37
Speaker 4: saw it in media, not because professionals were talking about it.
6:40
Speaker 3: It's all about the hype exactly.
6:42
Speaker 4: And you also look at what happened pre COVID. Do
6:44
Speaker 4: you remember pre COVID?
6:46
Speaker 7: All?
6:46
Speaker 6: Oh you don't, It didn't exist.
6:48
Speaker 1: Now it's a bit of a blow to be honest,
6:50
Speaker 1: I'm blocked it out as.
6:51
Speaker 4: Well, But let me refresh your memory. Before COVID, all
6:54
Speaker 4: through the newspapers, we were talking about how property was
6:57
Speaker 4: going to plummet and people were going to get sheep
7:00
Speaker 4: houses and cheap apartments, and it was going to be
7:02
Speaker 4: a buyer's dream, right that happen? No, what are we
7:06
Speaker 4: talking about now? It's not that sexy to talk about
7:08
Speaker 4: how property didn't drop, So there's.
7:09
Speaker 6: No articles on that.
7:11
Speaker 4: In fact, I found an article a little while ago
7:13
Speaker 4: in a newspaper pretty much at the very back of
7:16
Speaker 4: it going property prices have remained stable, and I'm like, yeah,
7:19
Speaker 4: I know it makes sense. So it's one of those
7:22
Speaker 4: things where you're just like, the media talk about things
7:24
Speaker 4: and instill fear in us, and I think we need
7:26
Speaker 4: to be really careful about what we're consuming and what
7:29
Speaker 4: we're believing and what we're not because it actually ends
7:31
Speaker 4: up impacting our mental health and how we feel about
7:34
Speaker 4: things and the decisions we make around money.
7:36
Speaker 6: And that gives me the ick.
7:37
Speaker 5: Yeah, I will just say I'll give the media one credity.
7:39
Speaker 5: The price of lettus is ridiculous. I can barely afford
7:42
Speaker 5: a cheeseburger, which is a travesty.
7:43
Speaker 4: At the moment, guys, I've gone back to frozen spinach.
7:46
Speaker 4: I will not be buying lettuce. Like, if you want
7:47
Speaker 4: a salad at my house, not happening here, have a
7:49
Speaker 4: frozen block of spinach because that's all.
7:51
Speaker 5: That's why she's not doing her morning poos trap because
7:54
Speaker 5: she's all up from the spinach spineach.
7:56
Speaker 6: In my smoothies.
7:57
Speaker 4: I am absolutely regular follow my Instagram stories, you know
8:01
Speaker 4: I love a good meta musal.
8:03
Speaker 1: Okay, come your farm, Victoria here in the mediaop.
8:05
Speaker 2: All right, let's do this thirty and one A six five.
8:07
Speaker 2: Give us a call right now. Have you seen a
8:09
Speaker 2: news headline and you've just thought to.
8:12
Speaker 3: Yourself, come come if you have thurstay one A six five.
8:17
Speaker 2: We're going to take your calls next right here on
8:19
Speaker 2: She's on the Money Radio show for your Saturday Morning.
8:23
Speaker 7: This is She's on the Money Radio Show.
8:25
Speaker 3: Via Saturday Morning.
8:26
Speaker 2: It's She's on the Money Radio Show with Australia's number
8:29
Speaker 2: one finance podcast of Victoria Devine.
8:32
Speaker 4: That's you, Oh spicy. I feel like there's nowhere to
8:35
Speaker 4: go from there. Honestly, step for down.
8:38
Speaker 6: Speaking of down the share market right now.
8:40
Speaker 3: Oh, I was going to say, like Mitch Cherry, who's
8:42
Speaker 3: on the show as well.
8:43
Speaker 6: That was pretty I'll take that.
8:45
Speaker 1: But I am up. I'm in such a great mood
8:46
Speaker 1: to be here with you guys. We've got a great show.
8:48
Speaker 3: Yeah. On Saturdays we are doing this. Come here.
8:53
Speaker 6: News media is pretty cooked at the moment.
8:55
Speaker 4: I feel like there are headlines coming out my ears
8:58
Speaker 4: about how bad the economy is, how expensive lettuce is,
9:01
Speaker 4: what the cost of oil is, what petrol looks like,
9:03
Speaker 4: and I'm just over seeing the media overhype things to
9:06
Speaker 4: terrify us.
9:07
Speaker 6: So we're going to get.
9:08
Speaker 4: Some people to call through and tell us some headlines
9:11
Speaker 4: that they think people need to calm their farms about Victoria.
9:14
Speaker 3: What are you doing, mate? There's no need to talk
9:16
Speaker 3: because we got this. Come come y. That is art's glorious.
9:21
Speaker 2: Thirty one six five is and number. Give us a
9:23
Speaker 2: call right now, just like Tommy has done. Mate, What
9:26
Speaker 2: do you think the media need to come?
9:28
Speaker 3: Um ya over?
9:31
Speaker 5: All?
9:31
Speaker 8: Right? Well, there's this third.
9:33
Speaker 3: He calls himself the slum dog millionaire because he's young,
9:37
Speaker 3: like he lives in Vegas.
9:38
Speaker 1: I made a million bucks.
9:39
Speaker 3: Offic singing earlier this year called bloody dog coin and yeah,
9:44
Speaker 3: West you could say it, and I'm pretty sure.
9:46
Speaker 6: The slum doge millionaire lum dose.
9:51
Speaker 4: I love the confidence in that though, imagine naming yourself that.
9:54
Speaker 4: And also I don't mean to be a bit rude,
9:57
Speaker 4: but like property prices in Melbourne have just hit in
9:59
Speaker 4: our verage of what one point one million dollars?
10:02
Speaker 6: Is that even that much money?
10:03
Speaker 1: Now?
10:03
Speaker 5: No?
10:03
Speaker 2: No, it's like when they got million dollar listings, it's like, well,
10:06
Speaker 2: hang on a second, that's just a regular yeah, slum
10:10
Speaker 2: dosh millionaire.
10:12
Speaker 4: I love it, but I also just feel like that
10:14
Speaker 4: gives me the eg Yeah, and.
10:15
Speaker 2: You know what media come come yam, speaking of Indy,
10:20
Speaker 2: you think the media need to come down with property?
10:22
Speaker 8: Oh my gosh. Yeah. I am so sick of seeing
10:26
Speaker 8: some twenty year old being able to retire because they've
10:29
Speaker 8: got a billion dollar property portfolio or something like that.
10:32
Speaker 8: Those stories are everywhere time.
10:36
Speaker 6: It's actually really easy.
10:37
Speaker 4: All those guys did was stop eating avocados and now
10:40
Speaker 4: they can afford property.
10:42
Speaker 6: It's actually mat Yeah.
10:45
Speaker 8: Yeah.
10:45
Speaker 4: I went to a cafe the other day and I
10:46
Speaker 4: saw in the menu that the smashed avocado was twenty
10:49
Speaker 4: seven dollars.
10:50
Speaker 6: What I was like, No, do we can't afford property?
10:53
Speaker 3: Oh my god?
10:54
Speaker 6: Yeah, not great.
10:54
Speaker 4: But at my local supermarket, avocados money win dollar.
10:58
Speaker 2: You know you need to do though, Victoria, buy those
11:00
Speaker 2: dollar avocados, make your own avo smash charge twenty five No,
11:03
Speaker 2: twenty five, undercut.
11:04
Speaker 4: Those, undercut them, and then after I've undercut them, I
11:08
Speaker 4: can afford a house. Is that right?
11:09
Speaker 3: Money win that come to my house?
11:10
Speaker 4: If Sully smaver. But I'm kind of sick of seeing
11:13
Speaker 4: these million dollar property portfolios as well from young people,
11:16
Speaker 4: because you also go, I know, mum and dad helped
11:18
Speaker 4: you out there, Sirlow.
11:19
Speaker 1: Oh, that's exactly it. Where are your parents?
11:21
Speaker 3: Hey? On thurday one of six'.
11:23
Speaker 2: Five we are taking your calls right now because we
11:26
Speaker 2: think the media are just blowing up headlines and they
11:28
Speaker 2: need to Calm Come, yu you're hating The Dow, jones,
11:34
Speaker 2: mate talk to, us, buddy what's?
11:35
Speaker 3: Wrong every single morning they're going on about.
11:38
Speaker 8: It it's, up it's, down it's, up it's, down it's.
11:40
Speaker 7: Up get these guys something to flatten them.
11:43
Speaker 4: Ount my favorite thing about, mediocre midle aged white men
11:46
Speaker 4: talking about finance is they always like to throw those
11:49
Speaker 4: terms and acronyms around make themselves seem, smarter and it's, like,
11:52
Speaker 4: Okay Dow jones is just the average of.
11:55
Speaker 6: What the market looks. Like it's not actually that.
11:57
Speaker 3: Exciting is that what it?
11:58
Speaker 8: Means?
11:59
Speaker 1: Yeah?
11:59
Speaker 2: Literally?
12:00
Speaker 3: Wow and how aggressive was that for A saturday.
12:03
Speaker 4: MORNING I dave AND i too piece kids in the.
12:07
Speaker 2: Car davy, Mate Hey, DAVE i think you need to calm.
12:10
Speaker 3: You come ya?
12:11
Speaker 5: Um all?
12:14
Speaker 2: Right coming up Next, Victoria we're going to solve somebody's money.
12:17
Speaker 3: Dilemma we.
12:18
Speaker 4: Are if you're struggling with your cash flow and you've
12:20
Speaker 4: found yourself in a little bit of a pickle and
12:22
Speaker 4: need some, advice you can hit us up on The
12:23
Speaker 4: she's on The money socials this. Week we've Got brontie
12:26
Speaker 4: who wants us to share some tips on paid parental.
12:29
Speaker 4: Leaves she's expecting a baby in the next few months
12:31
Speaker 4: And i'm going to dish out some advice.
12:34
Speaker 3: Because with all of your, kids you'd be the, expert
12:36
Speaker 3: not a, parent.
12:37
Speaker 4: And that's exactly who parents want to hear parenting advice.
12:39
Speaker 4: From so let's do that after the break.
12:41
Speaker 3: Right after this On she's on The Money radio.
12:43
Speaker 7: Show this Is she's on The Money radio show This saturday.
12:47
Speaker 2: Morning It's she's on The Money Radio show With australia's
12:50
Speaker 2: number one finance podcast Of Victoria, Devine Mitch jury as,
12:53
Speaker 2: well and it's all thanks To Budget. Directs, well the
12:56
Speaker 2: winner Of Can, stars insurer of the year twenty twenty,
12:59
Speaker 2: Two budget Directs insurance sold what a small.
13:02
Speaker 6: Flex we're just the insurer of the yo biggie.
13:05
Speaker 3: Neck haven't they done that for the past five?
13:06
Speaker 6: Years Though she's, like way more than five, Years but
13:09
Speaker 6: do you?
13:09
Speaker 4: Reckon their team goes to coffee and they're, like, oh
13:11
Speaker 4: where do you wear Cour Budget, director we're actually the
13:13
Speaker 4: insurer the year and everyone's, like, Yeah we've solved.
13:15
Speaker 1: Insurance insurance has been, like we've got solved.
13:18
Speaker 3: It, yeah so give up your. Losers, anyway it's time for.
13:21
Speaker 5: This each week we bring someone's financial story on the
13:26
Speaker 5: air to Get victoria, to.
13:28
Speaker 1: You, know jump on your.
13:28
Speaker 5: Soapbox and that sounds like it's, unsolicited but we love
13:31
Speaker 5: When victoria gets Her chanelle shoes on that soap. Box
13:34
Speaker 5: you should see. Her she so delicately jumps up and
13:36
Speaker 5: she gives. Advice so you can hit us up. Online
13:39
Speaker 5: this is one From. Bronti bronti sent this. In she, Says, Hi,
13:42
Speaker 5: Victoria i'm pregnant And i'm having my first baby In,
13:44
Speaker 5: october AND i don't understand how paid parental leave, works
13:48
Speaker 5: and there's mixed messages on the. INTERNET i turn around
13:51
Speaker 5: an annual salary of roughly seventy five, thousand so should
13:54
Speaker 5: she just get paid her normal salary for eighteen. Weeks
13:56
Speaker 5: she's also read that there's flexible paid parental.
13:58
Speaker 1: Leave she'd been. Confused you can get thirty days. Off
14:01
Speaker 1: what's your, Advice?
14:02
Speaker 4: Victoria this one is a little bit of a pickle
14:04
Speaker 4: because it actually depends on who you're employed, by where you're,
14:07
Speaker 4: employed and what your employment contract. Says so at a,
14:10
Speaker 4: minimum paid parental leave here In australia is able to
14:13
Speaker 4: be received by working parents for eighteen weeks at minimum,
14:16
Speaker 4: Pay so like that's the base amount that you'll, get
14:19
Speaker 4: which means if you work for a small business or
14:21
Speaker 4: a company that doesn't have a different parental leave policy in,
14:25
Speaker 4: place that'll just be the, default, Right so if you
14:28
Speaker 4: decided to go have a, baby that's what you'll get
14:30
Speaker 4: at minimum. Wage it won't matter what you actually earn
14:33
Speaker 4: day to day or what's on your employment contract because
14:35
Speaker 4: it kind of defaults back to minimum wage because you're
14:38
Speaker 4: out of that. BUSINESS i love that it's eighteen. WEEKS
14:41
Speaker 4: i feel like that's a really good.
14:42
Speaker 6: Amount of time at a.
14:43
Speaker 4: Minimum for most months it is not enough and they
14:45
Speaker 4: want to take more, time WHICH i totally. Understand, however
14:49
Speaker 4: there are a few options that are. Available one the
14:52
Speaker 4: first THING i do is actually check your employment, contract
14:55
Speaker 4: so where you, work to see what their paid parental leave.
14:58
Speaker 4: Is i've got clients who work in government and they
15:00
Speaker 4: actually get six months full pay or twelve months off
15:04
Speaker 4: at half. Pay i've got clients that have epic parental
15:08
Speaker 4: leave policies where it's actually twelve months of full pay.
15:11
Speaker 4: Leave i've got clients who work for really big companies
15:15
Speaker 4: as well that have come to me and they're, like
15:17
Speaker 4: oh my, gosh Like i've got this really great, salary
15:19
Speaker 4: really big, company and then we look at their policy
15:21
Speaker 4: and they only have the eighteen weeks of minimum pay
15:24
Speaker 4: because it's not something that THEIR hr department has.
15:27
Speaker 6: Organized SO i.
15:28
Speaker 4: Think it's a really interesting point because it's not ever
15:31
Speaker 4: going to be, consistent and the best thing you can
15:33
Speaker 4: do is actually go to your employment, contract have a
15:36
Speaker 4: look at what that, says and go from, there because
15:39
Speaker 4: as much as the minimum, exists there might be some
15:41
Speaker 4: bonuses that are on. Top but when it comes to,
15:44
Speaker 4: that there's also the ability to negotiate with your. Employer,
15:48
Speaker 4: Right so if you work for a company that only
15:50
Speaker 4: offers you the minimum of eighteen, weeks you can, go,
15:52
Speaker 4: LOOK i really want some more. Time is there any
15:54
Speaker 4: way that we could, go you, know part, time OR
15:57
Speaker 4: i could work some more hours now SO i get
15:59
Speaker 4: some time off, later or is there the ability to
16:02
Speaker 4: double that eighteen weeks and just have it at the half,
16:05
Speaker 4: pay or take some time without pay at. All AND
16:08
Speaker 4: i think that there's a way to make it. Work
16:10
Speaker 4: you just have to have open lines of communication with
16:12
Speaker 4: your employer about what that. Means, however AS i, said
16:16
Speaker 4: it's different for. Everybody but sneaky thing That i've been
16:20
Speaker 4: talking about in The shees on The money community recently
16:23
Speaker 4: is actually about. Superranuation so you don't get paid super
16:26
Speaker 4: on that amount of, money which means for the period
16:28
Speaker 4: of scheme that you're out of, work you're not actually
16:31
Speaker 4: contributing to your retirement. Savings and that doesn't put women in.
16:34
Speaker 6: The best possible.
16:35
Speaker 4: Position so if there's any way to negotiate with your
16:39
Speaker 4: employer for even just that to be, included future you
16:42
Speaker 4: is going to be in.
16:43
Speaker 6: A significantly better.
16:45
Speaker 4: Position but there's another sneaky, tip and that's maybe have
16:49
Speaker 4: a chat with your, partner because did you know your
16:50
Speaker 4: partner can pay you some super to make sure you're
16:52
Speaker 4: not behind, exactly so you. Can, yeah your partner can
16:56
Speaker 4: actually put some cash towards your supranuation and get a
17:00
Speaker 4: tax refund for in some. Circumstances AND i think that
17:03
Speaker 4: that's really important to negotiate because if you're the person
17:06
Speaker 4: that is the primary, caregiver your retirement savings shouldn't go.
17:10
Speaker 6: Behind it's a group.
17:11
Speaker 4: Effort we all should be on the same, page and
17:13
Speaker 4: these are things that we need to talk about more
17:15
Speaker 4: consistently and.
17:16
Speaker 5: Openly, wow, well my, Kiv i'm not a financial, advisor
17:19
Speaker 5: but have twins and then everything will be. Double that's
17:21
Speaker 5: how it, Works. Victoria, right the, more the more you,
17:24
Speaker 5: get that's how it.
17:25
Speaker 1: WORKS i think that. Is that's good advice for me
17:27
Speaker 1: is stop giving.
17:28
Speaker 2: Advice definitely great advice and always be. Practicing, hey speaking of,
17:33
Speaker 2: sneaky those little sneaky tips that you've been. Given, there
17:36
Speaker 2: we are going to Do Super Savis, Saturday. Victoria, Next
17:39
Speaker 2: i'm obsessed With Super Savior. Saturday let's go your sneaky
17:42
Speaker 2: little tips on how to keep more bucks in your
17:43
Speaker 2: bank account that's coming up right after this On she's
17:46
Speaker 2: on the money radio.
17:46
Speaker 7: Show this Is she's on The money radio show.
17:50
Speaker 2: For Your saturday morning right across the. Country It's she's
17:52
Speaker 2: on The money radio show With australia's number one finance,
17:55
Speaker 2: Podcaster Victoria divine mits churry as. Well it is your favorite, Time,
18:00
Speaker 2: victoria because it's time to do.
18:01
Speaker 3: This simper Savo.
18:03
Speaker 2: Saturday all, Right Miss, devine it is time for you
18:06
Speaker 2: to give our listeners some sneaky little tips on how
18:09
Speaker 2: we can keep more bucks in our bank. Account what
18:11
Speaker 2: do you got for us this? Week you sneaky little tip?
18:13
Speaker 3: Giver all?
18:14
Speaker 6: Right so tip number one is subscription.
18:15
Speaker 4: Services and you're, Like, Victoria, Netflix i'm not getting rid of.
18:19
Speaker 4: It stop Thinking i'm going to become a millionaire from.
18:20
Speaker 6: This we're. Not that's not going, no, no no.
18:22
Speaker 2: No BUT i like how she says that about our
18:24
Speaker 2: listeners when it's really about.
18:26
Speaker 3: Her she's.
18:26
Speaker 4: Projecting, yes it's actually any advice on here is me
18:30
Speaker 4: projecting my personal feelings onto you.
18:32
Speaker 3: Guys that's, okay other, people that's WHAT i.
18:34
Speaker 6: Do i've got enough therapy to be okay with, that
18:36
Speaker 6: so thank.
18:37
Speaker 4: You but it's all about subscription services and you might
18:40
Speaker 4: be rolling your, eyes but from little. Things big things,
18:42
Speaker 4: grow and we actually need to care about the little
18:44
Speaker 4: things because they all add.
18:46
Speaker 2: Up.
18:46
Speaker 4: Right so if you aren't using a, subscription obviously the
18:49
Speaker 4: advice there would be to cancel. It but my favorite
18:52
Speaker 4: tip is if you're an iPhone News I'VE i told
18:54
Speaker 4: you guys offline this yet if you're an, iPhone you
18:57
Speaker 4: pick up your, iPhone WHICH i want you to do
18:59
Speaker 4: lich truly right, now go to settings and in settings
19:03
Speaker 4: you'll have Your APPLE id right up the. Top you'll
19:06
Speaker 4: click your, name and then after that you'll click subscriptions
19:09
Speaker 4: and it will tell you all the money you're wasting
19:11
Speaker 4: on apps.
19:11
Speaker 6: That you subscribe to that you're no longer.
19:14
Speaker 4: Using so what you're going to do is scroll through
19:16
Speaker 4: that and have a look at all of the apps
19:18
Speaker 4: that you're paying for that you might be able to
19:20
Speaker 4: cancel and save a few dollars.
19:22
Speaker 5: Of DO i Need Jenny Craig plus And Wait Watches?
19:25
Speaker 5: PREMIUM i probably could get rid of those Good, NIGHT.
19:26
Speaker 6: I don't think you need.
19:27
Speaker 2: Them, well what about me Learning french From babbel Since
19:30
Speaker 2: november last?
19:31
Speaker 3: Year how's that been?
19:32
Speaker 6: Going what's that testing?
19:34
Speaker 3: YOU i think that Means i'm not? Sure, now every
19:40
Speaker 3: long way.
19:40
Speaker 4: Babbel, YEAH i am just opened mind BECAUSE i don't
19:45
Speaker 4: actually take my own.
19:46
Speaker 6: ADVICE i just know it's good.
19:47
Speaker 4: Advice AND i realized THAT i have been playing a
19:50
Speaker 4: dollar forty nine For splice The Video editor BECAUSE i
19:54
Speaker 4: thought at some Point i'd become better at making tiktoks
19:57
Speaker 4: and reels and.
19:57
Speaker 3: Stuff business expense though Well i'm.
20:00
Speaker 6: Not even claiming it BECAUSE i didn't even THOUGHT.
20:02
Speaker 5: I was Paid tinder premium in a relationship for Four
20:06
Speaker 5: your boyfriend feel about that.
20:10
Speaker 6: Before he actually calls as. Well moving, On tip number
20:14
Speaker 6: two is consider cost per.
20:16
Speaker 4: Wear so this is me being a little bit self,
20:18
Speaker 4: indulgent and we need to check our privilege here as,
20:21
Speaker 4: well because not all of us are in the position
20:22
Speaker 4: where we, go oh, WOW i wear a winter coat a.
20:24
Speaker 6: Lot i'm going to go buy a.
20:25
Speaker 4: Really expensive one because it brings down cost per. Wear
20:29
Speaker 4: but for every clothing purchase that you, MAKE i want
20:31
Speaker 4: you to ask how often That i'm actually gonna wear?
20:34
Speaker 4: This so we want to consider our cost per wear
20:36
Speaker 4: because if you're just going to wear it for one
20:38
Speaker 4: weekend out which women are particularly good.
20:41
Speaker 6: AT i say that BECAUSE i am.
20:42
Speaker 4: Often the first to, go oh my, Gosh i've got
20:44
Speaker 4: this party On saturday, night going out with a few.
20:46
Speaker 4: GIRLFRIENDS i really want a new dress for. It but
20:48
Speaker 4: we need to check ourselves and go do we actually need,
20:50
Speaker 4: that or IF i got SOMETHING i could wear or
20:52
Speaker 4: SOMETHING i could borrow from a. Friend and something ELSE
20:55
Speaker 4: i think is really fun to do is up Shopping, MELBOURNE.
20:58
Speaker 4: Cbd we live where he the rich people. Live they
21:01
Speaker 4: give away their stuff all the. Time go down to
21:04
Speaker 4: a wealthy little up shop and pick up some, bargains
21:06
Speaker 4: and then you can always donate them when you're done with,
21:09
Speaker 4: them so the circle of life keeps going on and.
21:11
Speaker 2: On so don't go down to The frankston op, shops
21:14
Speaker 2: is what you're trying to.
21:15
Speaker 4: Say, OH i, MEAN i don't know what they've got.
21:17
Speaker 4: There they might have some good. Stuff you never.
21:20
Speaker 3: Know that's.
21:20
Speaker 2: True one THING i do know is that's all we've
21:23
Speaker 2: got time for for this. Week she's on The Money
21:24
Speaker 2: radio show Because Mitch, tury you've got to get out
21:28
Speaker 2: of here to go and do your favorite show with
21:31
Speaker 2: your favorite.
21:32
Speaker 3: People every.
21:34
Speaker 1: Week there's been a lot of projecting this.
21:36
Speaker 5: Week, Listen tom And, veronica you are kill of my closest,
21:40
Speaker 5: friends AND i adore both of, you AND i just
21:43
Speaker 5: want you.
21:43
Speaker 1: To know THAT i will right thank.
21:45
Speaker 4: You but do you remember being invited to his? Holiday,
21:48
Speaker 4: no they all went on holiday. Together we weren't.
21:50
Speaker 3: There, well let's go.
21:51
Speaker 1: On that came out of. Me you would not have
21:53
Speaker 1: wanted to be within a square meter of.
21:56
Speaker 4: Me well it makes sense that you don't need The
21:57
Speaker 4: Jenny craig, gap, then doesn't it?
21:58
Speaker 5: All?
21:59
Speaker 3: Right week?
22:00
Speaker 2: Again this is starting to get, vicious so we'll be
22:03
Speaker 2: back next week for. Everything make sure you check our
22:06
Speaker 2: socials just Search she's on The, money The life On
22:09
Speaker 2: cut radio show With laura what's her? Name?
22:12
Speaker 3: Again And Brits Who Sorry.
22:16
Speaker 1: Britt hockley And Laura Burn that.
22:20
Speaker 2: Is coming up next with their Buddy see you next.
22:24
Speaker 1: Week