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Transcript

Stay or Pay: Sacrificing Money Goals By Staying In a Job You Love · She's On The Money

0:00
Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman
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Speaker 1: and I'm here to acknowledge country. Te Glenn youan Ganya
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Speaker 1: nian Ar kaka ya ya Binahaka nian Ar gay In, Nimbini,
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Speaker 1: yakarum jar, dominyamiga umaga ihowaka na waman damon immalan ummabang
0:17
Speaker 1: gadabama in and now in waka ghana on yakram jar watanadaa. Hello,
0:22
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
0:26
Speaker 1: We thank acknowledge and respect the Abiginal people's land that
0:29
Speaker 1: we're gathering on today. Take pleasure in all the land
0:32
Speaker 1: and respect all that you see. She's on the Money
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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
0:42
Speaker 1: knowledge and resources for you to thrive.
0:44
Speaker 2: She's on the Money.
0:46
Speaker 3: She's on the Money.
0:50
Speaker 4: Hello, and welcome to She's on the Money, the podcast
0:54
Speaker 4: that makes your personal finance.
0:55
Speaker 3: Is fun, especially on Friday.
0:58
Speaker 4: You're here for another refreshing episode of Friday Drinks, our
1:01
Speaker 4: favorite day of the week because it's when we gather
1:03
Speaker 4: the team together to celebrate you, our very financially savvy
1:07
Speaker 4: She's on the Money.
1:08
Speaker 3: Community sharing in the festivities of today.
1:11
Speaker 4: The Friday that obviously everyone celebrates is miss Jessic go
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Speaker 4: Rici for this week's money Wins Because mister Goricci, we
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Speaker 4: kicked Beck out of the studio because she had COVID. Yes,
1:23
Speaker 4: and by kicked out, I meant I didn't let her
1:25
Speaker 4: in in the first place.
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Speaker 5: Yes, that was they please, I love you, but stay away.
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Speaker 4: Beck was literally like, oh, hey, I've got COVID And
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Speaker 4: I know that sounds fake because COVID, you know, kinda
1:36
Speaker 4: doesn't exist anymore. And I'm like it does you come
1:38
Speaker 4: near me? We are done here, So guess who's doing
1:41
Speaker 4: broke tips. It's a Mey Marie exactly. And if you've
1:47
Speaker 4: ever wished you could go back in time and ask
1:48
Speaker 4: for a raise, this week's DM is for you. Together,
1:52
Speaker 4: we're gonna help answer whether it's too late to ask
1:55
Speaker 4: for more money. We'll also be discussing this week's money dilemma,
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Speaker 4: which raises the age old question of love or money.
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Speaker 3: Choices, so many choices, And if you've got a.
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Speaker 4: Money dilemma for us or a very delicious DM, please
2:09
Speaker 4: send them through. Head on over to She's on the
2:12
Speaker 4: Money dot Com and leave us a voice note and
2:14
Speaker 4: finally have that dilemma answered, kind of live on the pod,
2:19
Speaker 4: live in this moment, live in this moment, which is
2:22
Speaker 4: definitely not pre recorded, mister Sagrici. Yes, we love hearing
2:28
Speaker 4: from our community so much so that we've reserved a
2:30
Speaker 4: very special corner of the podcast specifically for your reviews.
2:34
Speaker 4: If we've taught you anything interesting about your finances or
2:37
Speaker 4: how to make your dollars go further, please let us
2:40
Speaker 4: know by leaving a five star review for She's on
2:42
Speaker 4: the Money on Apple Podcasts, Spotify or honestly where a
2:45
Speaker 4: you tune in or our dms. This week's review comes
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Speaker 4: from our friend Casey Louise Hi Casey, and she says,
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Speaker 4: I started listening only six months ago.
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Speaker 3: The other day I had a surprise two hundred and
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Speaker 3: fifty dollars subscription to go through.
3:01
Speaker 4: Not only did I have the emergency funds to pull from,
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Speaker 4: but I was also confident enough to push for a
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Speaker 4: refund and had the subscription refunded anyway. As an ADHD galie,
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Speaker 4: this is genuinely the first time in my life I
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Speaker 4: didn't panic in an unexpected bill and was confident enough
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Speaker 4: to ask for a refund.
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Speaker 5: I'm so proud of you, Casey, get it.
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Speaker 3: Queen.
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Speaker 5: That's a big, unexpected charge.
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Speaker 3: I am insatiable.
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Speaker 1: I love this.
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Speaker 6: Get the money back, and also welcome to the community.
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Speaker 6: I always six months in, but it still feels fresh.
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Speaker 3: Your past probation, Your past probation. Wait, maybe we passed probation.
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Speaker 4: That's probably better way to look at it. Yeah, yeah,
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Speaker 4: thank god, I was stressed. Still trying. I'm still trying
3:44
Speaker 4: now for a little frivolity. If you could ask us anything,
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Speaker 4: what would it be? Every week we ask you, our
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Speaker 4: very clever community, for questions of the weekend.
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Speaker 3: Honestly, up until this point, you have never disappointed.
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Speaker 4: This week's question comes from tany If you had an
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Speaker 4: extra hour in the day, how would you spend your time?
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Speaker 5: Oh this is so fun.
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Speaker 6: I like the practical part of me wants to say
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Speaker 6: something productive, but I think I would just read like
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Speaker 6: that's my honest answer.
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Speaker 3: We are actually really cool. Yeah, we are so cool.
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Speaker 3: I don't know what you're expecting us to answer with
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Speaker 3: an extra time in.
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Speaker 6: Bed with the cats and like a little yummy snack
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Speaker 6: or maybe my hot girl walk because I am finding
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Speaker 6: now that the light goes way earlier. If daylight savings
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Speaker 6: being over, it's really hard to get the evening hot
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Speaker 6: girl walking.
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Speaker 4: I'm not getting my hot girl walk in either. But
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Speaker 4: I'm not sure if that's because I have two under
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Speaker 4: two or not.
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Speaker 5: I fear it maybe that.
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Speaker 4: No, it's definitely because I'm just not trying hard enough.
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Speaker 4: As for the internet my hour, I'm going to do
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Speaker 4: a scrolly scroll in bed.
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Speaker 5: A little bit of maths time.
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Speaker 4: Well, at the moment, I feel like the whole day
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Speaker 4: like I've got work and I've got life, and you
4:55
Speaker 4: get toddlers to bed, and then by the time the
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Speaker 4: bedtime routine and dinner and buff and every everything is
5:00
Speaker 4: done as kind of like eight pm, and it feels
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Speaker 4: like a decompression time. So Steve and I kind of
5:05
Speaker 4: like look at each other but like don't say anything,
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Speaker 4: and we sit on the couch and we scroll on
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Speaker 4: our phones, and then all of a sudden, it's like
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Speaker 4: ten pm and we're like, oh, we should go to bed,
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Speaker 4: And like, if you know anything about me, you know
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Speaker 4: that I have a very specific bedtime routine.
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Speaker 5: Just no, I've been present for this routine once or twice,
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Speaker 5: Like I have to have.
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Speaker 4: A shower, I have to like obviously wash my makeup off.
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Speaker 4: I have like a fifty million step toothcare routine that
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Speaker 4: I do. I do my skin care, I braid my hair,
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Speaker 4: I have a cup of tea which jess Is made
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Speaker 4: for me a number of times, Thank you Jessica. And
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Speaker 4: by the time I'm in bed, it's like ten thirty eleven. Yeah,
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Speaker 4: can I just peg that back because I would love
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Speaker 4: to get back in bed by ten by ten after
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Speaker 4: doing my stupid routine and just scrolly scrolling instead of
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Speaker 4: feeling like I have to go straight to sleep because
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Speaker 4: I am using that hour still, but then I'm not
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Speaker 4: getting as much sleep.
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Speaker 5: Yes, and that's a big one for parents, I know,
6:01
Speaker 5: but I.
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Speaker 4: Feel guilty the whole time. I'm like, I should be sleeping.
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Speaker 4: I should be sleeping. I want guilt free scroll time.
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Speaker 6: What does it say about the state of the world
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Speaker 6: that both of us just want like relaxing quiet time.
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Speaker 4: I don't know, but I don't want to dive too
6:15
Speaker 4: deep into it. And I mean, we all have the
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Speaker 4: same twenty four hours in the days beyond, say, right,
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Speaker 4: so if anyone can do it, she can do it,
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Speaker 4: and then we can do it.
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Speaker 5: We can try we can certainly try.
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Speaker 3: Do you reckon? She scrolls on my phone?
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Speaker 6: Surely if I was a celebrity, i'd be scared to
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Speaker 6: look at my phone. I actually think they don't scroll
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Speaker 6: because I'd be too afraid that i'd see something awful
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Speaker 6: about me.
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Speaker 4: You know, how popular do you have to get before
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Speaker 4: you don't touch your phone because I'm an.
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Speaker 3: Addict, Jess, Yeah, I don't know.
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Speaker 5: That's a good question, Like.
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Speaker 4: And how many hours a day do I spend with
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Speaker 4: my phone in reaching proximity?
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Speaker 6: If you ever want to feel attacked, look at the
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Speaker 6: thing that tells you how many time you've picked your
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Speaker 6: phone up in a day.
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Speaker 3: Oh, I didn't know that was a thing.
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Speaker 5: I don't know.
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Speaker 6: If it's just the app that I use to block
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Speaker 6: my I'm trying to reduce my screen time every I
7:00
Speaker 6: just bought a brick. Yeah, oh, I use Opal the app.
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Speaker 6: It's really good, but it'll tell you how many times
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Speaker 6: you've picked your phone up. Oh, and it is not
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Speaker 6: nice since it's very scary, like just the reflex even
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Speaker 6: if you don't do anything with it, the reflex of
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Speaker 6: like picking your phone up, working at it mind boggling.
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Speaker 4: What would be on stage do if you guys have
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Speaker 4: a burning question for us, please slip into our DMS
7:23
Speaker 4: and your musings might just get you featured in next
7:26
Speaker 4: week's episode. The more niche, the better. Really, I feel
7:29
Speaker 4: like you guys learn a lot about us. Yeah, from
7:32
Speaker 4: very niche questions. It's just a greechi. Yes, what money wins?
7:36
Speaker 4: Can you share with us? From the community.
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Speaker 6: I've got some goodies for you this week. The Facebook
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Speaker 6: group's been popping off. The first one I have is
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Speaker 6: from Allen who said money when we need a dog food,
7:46
Speaker 6: so jumped on shop back and pet stock had their
7:48
Speaker 6: upsized eighteen percent cash back. Going got the dog food
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Speaker 6: free shipping because it was over twenty five dollars. Bag
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Speaker 6: of dog food arrives yesterday. They've accidentally sent us the
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Speaker 6: wrong food, so I've paid two dollars, I'll get eighteen
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Speaker 6: per cent back and the value of the bag that
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Speaker 6: she got was actually one hundred and forty dollars.
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Speaker 3: Why is pet food so expensive?
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Speaker 1: Though?
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Speaker 6: Crazy as someone who has to buy the fancy one
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Speaker 6: for medical reasons, not a fan, but Alan did do
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Speaker 6: as all good community members should do and provide it
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Speaker 6: as her pet.
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Speaker 4: Tax photo exactly. And if you're not paying pet tax.
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Speaker 4: You're not paying real tax.
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Speaker 6: It's a really, really cute puppy photo. I highly recommend
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Speaker 6: everybody goes and looks. Next, I've got a money in
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Speaker 6: from Sophie who said I realized I had enough points
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Speaker 6: with Telstra just from paying my monthly bill to get
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Speaker 6: a fifty dollars gift card Toolies. My husband had enough
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Speaker 6: points to do the same, So it's one hundred dollars
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Speaker 6: that's going in our.
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Speaker 3: Sayings this week money win.
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Speaker 5: Everyone was talking about Telstra point lately. It's making me
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Speaker 5: want to switch to Telstrap.
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Speaker 4: Telstra hit us up, but also maybe don't, because like
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Speaker 4: your plans are really expensive, so your customers do deserve points. Yeah.
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Speaker 6: Actually, that's probably a good way to look at it,
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Speaker 6: isn't it. Next, I've got a money in from Taylor,
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Speaker 6: who said I was looking for sleep suits my son.
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Speaker 6: I almost bought a branch new one for sixty nine dollars.
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Speaker 5: I'm so sorry. That's incredibly expensive.
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Speaker 3: Don't ergo be running me broke.
9:01
Speaker 5: Wow, I didn't realize the cost that much.
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Speaker 3: Thought why I only buy them on sale and on
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Speaker 3: the iconic.
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Speaker 5: Yeah, and then you can get really good cash back
9:08
Speaker 5: on the iconic.
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Speaker 3: Yeah, exactly.
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Speaker 6: Well, Taylor checked marketplace. She got eleven suits for twenty
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Speaker 6: five dollars. She was almost eight hundred dollars worth if
9:18
Speaker 6: she brought a brand new What.
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Speaker 3: Do you need eleven?
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Speaker 1: Like?
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Speaker 4: No judgment, queen, Like, that's an elite money win. What
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Speaker 4: do you need eleven suits for? And am I the
9:26
Speaker 4: outlier here where Harvey just has like four like one
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Speaker 4: with arms, one without arms, a warm one with arms,
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Speaker 4: a warm one without arms. That's it, that's we've called it.
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Speaker 4: I'm not judging because I fear.
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Speaker 3: Eleven Hobney, are you in the wash?
9:41
Speaker 4: Oh?
9:42
Speaker 5: This is the thing.
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Speaker 6: Maybe like babies go through stuff so quick. Maybe she's
9:44
Speaker 6: not keeping up with the laundry, which I totally get
9:47
Speaker 6: new mum and all that.
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Speaker 3: I don't come to my house and look in my look.
9:51
Speaker 4: Yeah, the piless like a desert, not barren. It's piles
9:56
Speaker 4: and piles and you might get lost.
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Speaker 6: Oh god, well I'm having a baby do that to you.
10:00
Speaker 6: I think you're all just doing your best, and that's okay.
10:02
Speaker 6: Maybe the sleepsuits will help. Next, I've got a money
10:04
Speaker 6: in from Marissa, who said she claimed four hundred dollars
10:06
Speaker 6: in private health rebates.
10:08
Speaker 3: For her Polartes classes. Money Weed didn't know.
10:10
Speaker 6: It's covered under her policy, so she claimed heaps of
10:12
Speaker 6: classes from the past eighteen months.
10:14
Speaker 3: But it was so worth it.
10:16
Speaker 4: I'm going to have to check my private health insurance
10:18
Speaker 4: because I haven't been doing my polarates classes.
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Speaker 3: But that might be even more motivation to get back.
10:23
Speaker 5: Cute Marissa.
10:24
Speaker 6: I'm going to need to know where you're going, what
10:25
Speaker 6: you're doing, what your policy is, because that sounds lovely.
10:29
Speaker 6: And then last of this week, I've got money in
10:30
Speaker 6: from Cindy who said I've recently helped my friend with
10:33
Speaker 6: superannuation to make it not this scary monster that they
10:36
Speaker 6: stick their head in the sandover and don't understand, and
10:39
Speaker 6: turned it into something she can see and get into.
10:41
Speaker 6: We've changed from growth to high growth because she's got
10:44
Speaker 6: plenty of time, and now we're both feeling more positive
10:46
Speaker 6: about it.
10:47
Speaker 3: Stop it so sweet.
10:48
Speaker 4: See, if you're in the community, even if the tips
10:51
Speaker 4: and tricks aren't going to benefit you directly, they benefit
10:55
Speaker 4: the community.
10:56
Speaker 6: They're spreading the good word that I always say, the
10:58
Speaker 6: disciples going out there and spreading the word.
11:00
Speaker 5: If she's on the money and financial literacy.
11:02
Speaker 4: Someone the other day said that we are the Jehovah's
11:05
Speaker 4: Witnesses of finance, and I was like, I'm gonna take it.
11:10
Speaker 4: I will knock on your door and try and spend
11:12
Speaker 4: the word. I will knock on your door and be like, hey,
11:15
Speaker 4: so can I tell you about theranuation? Hello, give me
11:18
Speaker 4: your address.
11:19
Speaker 5: My name is Elder Victoria.
11:20
Speaker 3: That's not Jehovah's Witnesses. That's Mormons.
11:22
Speaker 5: That's true.
11:23
Speaker 3: We are just a religious cult.
11:25
Speaker 5: The cold is culting and I'm honestly not mad about it.
11:27
Speaker 3: I'm not either.
11:28
Speaker 6: And then, lastly, I have my own little money win,
11:30
Speaker 6: so I want to share you know that I do
11:32
Speaker 6: love a little reselling of my clothes, the stuff around
11:35
Speaker 6: my house, anything to get an extra dollar.
11:38
Speaker 5: I do know that.
11:39
Speaker 3: Definitely, I would argue that you're an Ebae addict.
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Speaker 6: Well, funny you say that, because it is now free
11:45
Speaker 6: to sell on eBay, they remove actual money win. EBA's
11:48
Speaker 6: removing the cellar fees for every day Australians make it
11:50
Speaker 6: easier than ever to turn the items you love but
11:53
Speaker 6: no longer need into cash and then keep every single
11:56
Speaker 6: dollar while you do.
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Speaker 4: That's actually such a money win because I feel like
12:00
Speaker 4: there's always been like a few barriers to entry that
12:02
Speaker 4: have stopped me. I'm like, oh, I can't be bothered. Ye,
12:04
Speaker 4: Like it'll be a few dollars. What if it doesn't sell,
12:06
Speaker 4: Like it's never been bad, but now it's free. Yeah,
12:09
Speaker 4: I'm sorry, I'm going to be using that platform over
12:12
Speaker 4: everything else.
12:13
Speaker 6: Time to clear everything out. It's just for today Australian.
12:15
Speaker 6: So if you do have an eBay.
12:17
Speaker 5: Store, now that's not for you.
12:18
Speaker 3: You running a business.
12:20
Speaker 6: Yeah, so any everyday person who's selling under twenty five
12:23
Speaker 6: thousand dollars annually, which.
12:25
Speaker 3: Or who's selling that stuff on eBay if they're not
12:27
Speaker 3: running a business.
12:28
Speaker 6: Must be very nice and so yeah, we'll pop all
12:31
Speaker 6: the details in the caption for you. But I think
12:32
Speaker 6: it's just a really good opportunity. We always say, cycle
12:36
Speaker 6: things in, cycle things out, and while you can keep
12:38
Speaker 6: as much money as you can, I think it's a
12:40
Speaker 6: great time to do so. And we're really excited because
12:42
Speaker 6: eBay are sponsoring this episode.
12:44
Speaker 5: So thank you eBay. I love you guys.
12:46
Speaker 3: Money win.
12:46
Speaker 4: But also, like the plumber with a leaky tap, I
12:50
Speaker 4: need to go and upload so much of my staff
12:53
Speaker 4: because just get rid of it. But Also, it's going
12:56
Speaker 4: to go out of fashion in like three years. Why
12:58
Speaker 4: do I keep holding on to stuff? I don't give
13:00
Speaker 4: it a new life.
13:01
Speaker 5: I'll come over. I'll help you get it all listed.
13:04
Speaker 3: Now.
13:05
Speaker 4: Beck isn't here because she did us a dirty and
13:08
Speaker 4: got COVID. But I'm gonna channel my best Beck energy.
13:12
Speaker 4: So think of me as your cooler, hipper, way more
13:15
Speaker 4: fun sister, and I'm going to give you some breake tips.
13:17
Speaker 5: I'm ready.
13:18
Speaker 4: This one comes from Sharon and she says this might
13:21
Speaker 4: be a little bit niche, but I've decided that I'm
13:24
Speaker 4: not allowed to spend any money before midday.
13:27
Speaker 5: That's fun. I like it, she said.
13:30
Speaker 4: I realized most of my impulse spending was random coffee,
13:33
Speaker 4: snacks or online shopping as I get going in the
13:36
Speaker 4: morning at work, if I still want it after lunch,
13:38
Speaker 4: I can get it, but honestly, I usually forget and
13:41
Speaker 4: I haven't bought coffee in a week.
13:42
Speaker 3: That's good.
13:43
Speaker 6: I feel like I would need to flip it because
13:44
Speaker 6: I'm like a late night doom scroller shopping type of person.
13:47
Speaker 6: So it's like, if I want to buy something, it's
13:48
Speaker 6: got to be done by midday. Well, no purchases after
13:51
Speaker 6: mentally get that.
13:52
Speaker 4: And my best friend Harriet, who doesn't listen to the
13:55
Speaker 4: show because she says my voice is really annoying. Best
13:57
Speaker 4: friend energy she has just she's not online shopping at
14:02
Speaker 4: all except for on one day.
14:04
Speaker 5: Per month like a bonanza.
14:05
Speaker 3: Yes, And she's like, I've.
14:07
Speaker 4: Been doing too much online shopping, Like every second day
14:09
Speaker 4: I was getting like an iconic purchase or like, you know,
14:12
Speaker 4: something that I wanted. So I've been banking all my
14:14
Speaker 4: purchases and then I can only buy them the day
14:18
Speaker 4: after my salary comes in, if I still want it,
14:22
Speaker 4: And she's like, and half the time, I don't want
14:23
Speaker 4: it anymore. It's very close because she's like had to
14:26
Speaker 4: wait for so long that she's like, oh, what did
14:27
Speaker 4: I even want those pants for?
14:30
Speaker 6: I do feel i'd have you know when you get
14:31
Speaker 6: pain and you're like, I'm so rich. I feel like
14:34
Speaker 6: i'd have that energy. I always need to do it,
14:36
Speaker 6: like the day before my salary comes in. So it's like, well,
14:38
Speaker 6: you've got what you've got, and if you've waited the
14:40
Speaker 6: whole month, then you can have it if you can
14:42
Speaker 6: still afford it.
14:43
Speaker 4: I think that she's using it as a I didn't
14:46
Speaker 4: realize it added up so much. Actually, I'm going to
14:50
Speaker 4: order all the stuff I want online just today. But
14:53
Speaker 4: I actually don't want any of this anymore because I realized.
14:56
Speaker 3: It adds up a lot.
14:57
Speaker 5: That's very clever from her.
14:58
Speaker 4: The next one I've got is from Emma, and she says,
15:01
Speaker 4: I put all of my subscriptions onto one specific account,
15:05
Speaker 4: and then I transfer that exact amount that I need
15:08
Speaker 4: every single month. If a random subscription tries to come
15:11
Speaker 4: out that I forgot about, it actually just declines. It's
15:14
Speaker 4: accidentally saved me so much money.
15:17
Speaker 6: I do this accidentally because you know, I don't keep
15:19
Speaker 6: money in my six million bank accounts.
15:21
Speaker 5: Yeah, I don't keep.
15:22
Speaker 6: Money in the one attached my card because I have
15:24
Speaker 6: a bad habit of losing my card. So it's like
15:26
Speaker 6: if I ever lost it and someone tried to use it,
15:27
Speaker 6: jokes on you. There's literally zero dollars in there. So
15:30
Speaker 6: if subscriptions autodebit like, yeah, I have to remember to
15:34
Speaker 6: transfer the money. It does sometimes buy me in the
15:36
Speaker 6: ass because sometimes they come out and I'm like, oop,
15:38
Speaker 6: there's no money there. But it does also help me
15:41
Speaker 6: when random things come out.
15:42
Speaker 3: That's very fair. And now I've got one, and it's
15:45
Speaker 3: from me.
15:45
Speaker 4: Because Beck always brings one, I'm bringing one, and it's
15:48
Speaker 4: kind of vibing off the same put twenty four hours
15:51
Speaker 4: between you and your spending rule that I have. So
15:56
Speaker 4: I have started using my notesap as like a cooling
15:59
Speaker 4: off zone. So it's kind of like a cooling off cart.
16:03
Speaker 4: I will like take screenshots and put them into a
16:06
Speaker 4: notes app that I tell myself I'm coming back to
16:10
Speaker 4: and instead of buying something straight away, the link lives there,
16:14
Speaker 4: but it's got to live there for forty eight hours.
16:16
Speaker 4: So I've done this for a very long time, twenty
16:19
Speaker 4: four hours between you and your spending. But now it's
16:21
Speaker 4: forty eight hours and half the time I'm like, why
16:26
Speaker 4: did I like this? And then the other half of
16:28
Speaker 4: the time I forget to check my notes app because
16:30
Speaker 4: I have ADHD and out of sight, out of mind,
16:32
Speaker 4: and so that's been fantastic for my bank account.
16:34
Speaker 5: That's a double wind for you.
16:36
Speaker 3: I feel like it's really good.
16:37
Speaker 4: So I guess my tip is get ADHD and you'll
16:41
Speaker 4: just forget, and I mean you'll.
16:43
Speaker 3: Also impulse spend a lot more. We are welcome, yes, but.
16:46
Speaker 6: I like that we're increasing for twenty four forty eight.
16:49
Speaker 6: Maybe that's like the next level up.
16:50
Speaker 4: Yeah, yeah, we're growing. This is personal growth. I don't
16:53
Speaker 4: know if I'll stick to it, but for now let's try.
16:57
Speaker 4: Do you want more of our broke tips and money
16:58
Speaker 4: wins basically on tap? I would be joining ow She's
17:01
Speaker 4: on the Money Facebook group to see them all, or
17:04
Speaker 4: even share tippets of your own. We are always keen
17:06
Speaker 4: to see how you're making your money work for you.
17:08
Speaker 4: Jessic go Ricci. After the break, we're going to be
17:11
Speaker 4: answering a money dilemma from a community member who loves
17:14
Speaker 4: their job but wonders whether it's ever worth sacrificing their
17:18
Speaker 4: money goal.
17:22
Speaker 5: Welcome back, everybody. Let's take a listen to this week's
17:24
Speaker 5: money dilemma.
17:27
Speaker 7: Hi, there, have you got a money dilemma you just
17:29
Speaker 7: can't solve? The She's on the Money team is here
17:32
Speaker 7: to help. Every week, we tackle your dilemmas, both big
17:35
Speaker 7: and small, to answer your most burning money, career and
17:38
Speaker 7: life questions. To get involved, simply head to our website
17:41
Speaker 7: and leave us a short voice recording and you might
17:43
Speaker 7: just find yourself on the show.
17:45
Speaker 3: Now, let's take a listen to this week's money dilemma.
17:50
Speaker 4: Hi.
17:51
Speaker 2: First of all, just wanted to say I love the show.
17:53
Speaker 2: I'm a religious three day a week listener. I've got
17:56
Speaker 2: a bit of a money dilemma for you. It's more
17:59
Speaker 2: career related. So I'm twenty six and have spent the
18:02
Speaker 2: past like five years moving jobs a lot to try
18:04
Speaker 2: and find the right fit. And I think the industry
18:07
Speaker 2: and the job that I've finally found my place in
18:09
Speaker 2: and feel really, you know, fulfilled in. It is really
18:12
Speaker 2: fun and exciting. However, my salary is quite low and
18:16
Speaker 2: the room for growth seems quite limited. For context, my
18:19
Speaker 2: job is part of a team with strict salary plus
18:21
Speaker 2: commission structure, so asking for rises off the table. I've
18:24
Speaker 2: been at my job now for almost a year and
18:26
Speaker 2: a half, but I'm really stressed about my salary, getting
18:28
Speaker 2: me to the places I want to be and paying
18:30
Speaker 2: for things in the next five to ten years like
18:33
Speaker 2: planning maternity leave and weddings and everything like that. So
18:37
Speaker 2: my dilemma is, do you stay in a job you
18:39
Speaker 2: love and are finally happy, but sacrifice your money goals?
18:43
Speaker 2: Or do you leave and try yet again in another
18:45
Speaker 2: role or industry with more pay Any guidance or help
18:48
Speaker 2: would be really appreciated.
18:50
Speaker 3: Thank you, Jess. What are you doing?
18:51
Speaker 6: It's the age old question, isn't it. Only you can
18:54
Speaker 6: answer this, and you need to assess what is important
18:57
Speaker 6: to you in terms of your life. Life plan sounds
19:01
Speaker 6: very dramatic, but if I'm being honest me, especially when
19:04
Speaker 6: I was younger, I prioritize money. Like I'm going to
19:08
Speaker 6: be so real with you. I was like, girls got
19:10
Speaker 6: to eat costs of living crisis. I am a big picture,
19:14
Speaker 6: long term catastrophe size.
19:16
Speaker 3: She's the money, so long, so unhappy, absolutely hating.
19:20
Speaker 6: Being Yeah, but like when I was younger, I worked
19:22
Speaker 6: in jobs where I was not happy and I but
19:25
Speaker 6: like I was paid well and then ultimately led me
19:27
Speaker 6: to a job where I am happy and I am
19:29
Speaker 6: paid well and it.
19:30
Speaker 5: All worked out.
19:31
Speaker 3: I got to say that I'm literally her boss.
19:33
Speaker 5: She's anty right there.
19:35
Speaker 6: But it's you know, it's one of those things where
19:37
Speaker 6: I think for some people, like if Beck we're here,
19:39
Speaker 6: I have no doubt that she would be giving the
19:42
Speaker 6: complete opposite answer to me, and Beck would be saying,
19:44
Speaker 6: your happiness is the most important thing you need to
19:47
Speaker 6: enjoy your life.
19:47
Speaker 5: Da da da.
19:48
Speaker 6: I agree, And it's just I agree that Beck would
19:50
Speaker 6: say that, Yeah, I think it's just two different people
19:53
Speaker 6: with two different perspectives. And for me, I've always very
19:56
Speaker 6: much been of the train of thought that I'm happy
19:59
Speaker 6: to sacrifice almost anything, short term pain, long term gains,
20:02
Speaker 6: you know what, I mean to set myself up to
20:04
Speaker 6: have the life that I want to live. But I
20:06
Speaker 6: also fully acknowledge that that way of living is not
20:09
Speaker 6: for everybody, and there are some people who would not
20:12
Speaker 6: be able to I don't want to say cope, but
20:15
Speaker 6: like they would find it challenging to be somewhere that
20:18
Speaker 6: they weren't happy, and that would really really detrimentally impact
20:21
Speaker 6: them because they might not be able to compartmentalize it
20:23
Speaker 6: or whatever that looks like for you. And so I
20:25
Speaker 6: think that you need to assess, particularly because you said
20:29
Speaker 6: there's not long term growth. It sounds like from what
20:32
Speaker 6: you're telling us, it's stagnant. If it was, oh, like
20:35
Speaker 6: right now, it's not great, but there's opportunity to grow,
20:38
Speaker 6: my answer might be different. But if it's never going
20:41
Speaker 6: to change, you need to, I guess, decide, like, can
20:44
Speaker 6: you comfortably live within your means or achieve the goals
20:47
Speaker 6: that you want to achieve? With the salary growth that
20:50
Speaker 6: you have projected.
20:51
Speaker 3: Yeah.
20:52
Speaker 6: The only other thing I would say is you said
20:54
Speaker 6: that like comms are involved, and so i'd be interested
20:56
Speaker 6: to know what that looks like. Can you hustle harder
20:59
Speaker 6: to inc is your commission? Yeah, but that's so dependent
21:02
Speaker 6: on industry, that's so dependent on business structure. Like I
21:04
Speaker 6: don't really have enough information to I feel like give
21:07
Speaker 6: you a helpful answer there. But generally in commission based roles,
21:11
Speaker 6: it can be what you put in is what you
21:12
Speaker 6: get out. But I also know that that's not trure
21:14
Speaker 6: one hundred percent of the time.
21:16
Speaker 4: I'm on your side, jest, that's exactly what I think.
21:19
Speaker 4: But then I also still think it's worth a conversation.
21:22
Speaker 4: I know you're saying, oh, it's not up for debate,
21:25
Speaker 4: but when was the last time that base salary was reviewed?
21:29
Speaker 3: Like the point is that a base salary.
21:31
Speaker 4: That was set in two thousand and nine and no
21:32
Speaker 4: one's questioned it since then, and it's actually not reflective
21:36
Speaker 4: of the costs associated with today or what is fair
21:41
Speaker 4: and reasonable. And then I would also do I don't
21:44
Speaker 4: know if it's like budgeting or projections, but I'd sit
21:46
Speaker 4: down and work out Okay, with these comms, the hustle
21:50
Speaker 4: is real. What can I reasonably expect to make this
21:54
Speaker 4: here from comms? What could I reasonably expect if I did,
21:57
Speaker 4: you know, a couple more hours or changed a few things.
22:00
Speaker 4: Because the benefit of being in a commissions based role
22:04
Speaker 4: is like I won't say the world is your oyster,
22:07
Speaker 4: but it is scalable. Like you could just do your
22:09
Speaker 4: thirty eight hours a week and be like, oh, that's it,
22:12
Speaker 4: But like what if you sprinkled in another fifteen or
22:16
Speaker 4: twenty minutes each day? Would that get you more comms?
22:19
Speaker 4: And does that change the lifestyle that you have? And
22:22
Speaker 4: I'm not saying you need to work a ridiculous amount,
22:25
Speaker 4: but what would those little tweaks look like so that
22:27
Speaker 4: the role really did work for you?
22:29
Speaker 3: Not the opposite.
22:31
Speaker 4: And I do think that happiness in a role fantastic.
22:35
Speaker 4: I love that for you, But is that your overall life?
22:38
Speaker 4: Happiness is having a good job worth maybe not being
22:43
Speaker 4: happy in every other aspect of your life. Most people
22:46
Speaker 4: only spend thirty eight to forty hours a week in
22:48
Speaker 4: a job, and yes, it feels like the whole week,
22:51
Speaker 4: but what does your lifestyle look like outside of that?
22:54
Speaker 3: Is it sustainable.
22:55
Speaker 4: Is it something that you are proud of, because I
22:58
Speaker 4: promise that job is going to get rid old real quick.
23:01
Speaker 4: Even if you love it and you love the people,
23:03
Speaker 4: If the rest of your life is being compromised, you're
23:06
Speaker 4: soon going to become I would say, a little bit
23:08
Speaker 4: resentful of that situation.
23:10
Speaker 5: Yeah, it's a big one. You have to have money
23:13
Speaker 5: to live, like, that's the thing.
23:14
Speaker 6: And that's what I personally find really hard to reconcile
23:17
Speaker 6: is it doesn't feel like it's going to get any
23:19
Speaker 6: cheaper to exist in this world. And so it's Yeah,
23:23
Speaker 6: your happiness is so important, and I don't want you
23:25
Speaker 6: to think that I'm saying, like, suck it up, be unhappy,
23:28
Speaker 6: da da da da.
23:28
Speaker 5: Yeah, just to earn more money.
23:30
Speaker 6: Like having a job where you are happy, we love
23:32
Speaker 6: the people, we love the work is so valuable and
23:35
Speaker 6: I don't want to discredit that. But it is also
23:39
Speaker 6: exactly as you're saying, like, if you're going to be
23:41
Speaker 6: really stressed because you can't pay your bills or you
23:43
Speaker 6: can't achieve the goals you want to do, like that,
23:45
Speaker 6: I think also will eventually.
23:47
Speaker 5: Take a toll on you.
23:48
Speaker 4: Yeah, And like coming from somebody who is a boss.
23:52
Speaker 4: If my team we're feeling like that, talk to me.
23:55
Speaker 4: I do actually want to have those conversations because I
23:58
Speaker 4: mean a similar position and where I am a small business,
24:02
Speaker 4: so I am acutely aware that there are some career caps,
24:06
Speaker 4: like Jess is not going to be able to take over.
24:09
Speaker 4: She's on the money and earn six billion dollars a year.
24:12
Speaker 4: Somewhere else she might. But let's have these conversations because
24:16
Speaker 4: if they're a good staff member, if you are a
24:18
Speaker 4: really valuable part of that team, I promise your boss
24:20
Speaker 4: is going to be like, oh, what can I do?
24:21
Speaker 4: What can I do to make you like this more
24:23
Speaker 4: so that you stay because good staff is so hard
24:26
Speaker 4: to come by.
24:27
Speaker 5: Yeah, and there might be other perks other than the
24:28
Speaker 5: salary that they can provide you.
24:30
Speaker 3: Exactly everything I think is negotiable.
24:34
Speaker 4: All right, Well, let's get into this week's DMS because
24:37
Speaker 4: it's something many of us have faced in our career,
24:41
Speaker 4: the moment where you realize, maybe I should have asked
24:44
Speaker 4: for that raise a little bit sooner.
24:46
Speaker 5: Is this our last person in five years?
24:48
Speaker 4: Yes?
24:49
Speaker 3: So this person said, V belize help me.
24:52
Speaker 4: I think I've been underpaid and now I don't know
24:55
Speaker 4: if I've left it too late to fix it. I
24:58
Speaker 4: recently found out that a new higher in my team
25:01
Speaker 4: is basically doing the same role as me, but with
25:03
Speaker 4: less experience. He's earning about twenty five thousand dollars more.
25:07
Speaker 5: That's a lot of money.
25:08
Speaker 4: I've been here for three years. I've had great performance reviews.
25:11
Speaker 4: I've never caused an issue, and now I feel embarrassed,
25:16
Speaker 4: like I've been taking advantage of for not speaking up sooner.
25:20
Speaker 4: I want to ask for a pay rise, but I'm
25:21
Speaker 4: worried that they're going to say no, or worse that
25:24
Speaker 4: I should have raised it earlier. Did I mess this up?
25:27
Speaker 4: Or can I still fix it? Oh?
25:29
Speaker 6: You should not feel embarrassed. I think this is kind
25:32
Speaker 6: of common. This happened to my boyfriend.
25:35
Speaker 3: Actually, he you thought you were about to say this
25:37
Speaker 3: happened to me, and I was like, girl, not in
25:38
Speaker 3: my business.
25:39
Speaker 6: This happened to my boyfriend. He's a video so it's
25:41
Speaker 6: like the longer a video. I think a lot of
25:44
Speaker 6: those kinds of roles, the more.
25:45
Speaker 3: Money you are, yep, and because you get more senior.
25:48
Speaker 5: Yeah.
25:48
Speaker 6: And I think he've been there a couple of years
25:50
Speaker 6: and he found out that the new hires that have
25:52
Speaker 6: been brought in were earning more than him and more
25:54
Speaker 6: than like his counterparts as well. I think that as
25:58
Speaker 6: much as we would all love to live in a
26:00
Speaker 6: world where businesses are all doing the right thing and
26:03
Speaker 6: they're all making sure that there's pay parity for everybody
26:06
Speaker 6: and that you know, everyone doing the equivalent job is
26:09
Speaker 6: doing the equivalent job, it's I think we talk about
26:11
Speaker 6: how loyalty is not always rewarded. You know, people who
26:14
Speaker 6: job hop statistically earn more, and it's because in the
26:18
Speaker 6: job market, to attract new people and to attract good people,
26:21
Speaker 6: I think as well, companies do have to offer more money,
26:24
Speaker 6: or offer more perk, or offer whatever.
26:26
Speaker 5: But that doesn't mean that most of the.
26:28
Speaker 6: Time they're turning around to the people who've been there
26:29
Speaker 6: for a long time or working hard or doing whatever
26:31
Speaker 6: and say, oh, well, Sam, I know that you're earning
26:34
Speaker 6: fifty thousand, we just hired someone who's going to do
26:37
Speaker 6: the same thing as you. We're going to pay them
26:38
Speaker 6: seventy thousand, even though you've been here three years.
26:40
Speaker 3: Disgusting.
26:41
Speaker 6: Most businesses don't do that, like it's just the sad reality,
26:45
Speaker 6: and so I think you shouldn't be embarrassed because I'm
26:48
Speaker 6: sure this is happening. It's happened to my partner, I'm
26:50
Speaker 6: sure it's happened to many many other people as well.
26:53
Speaker 6: I think that you should absolutely have a conversation about it.
26:56
Speaker 6: This is why laws came into effect that prevent pay
26:58
Speaker 6: secrecy clauses, because you have a right to know what
27:01
Speaker 6: other people are earning, and you have a right to
27:04
Speaker 6: like then have a conversation based off of that. I
27:06
Speaker 6: think you have very solid grounds to go to your
27:10
Speaker 6: employer and say, hey, it's not about what you pay them,
27:14
Speaker 6: it's about what I deserve. Because if you're saying someone
27:17
Speaker 6: coming in with less experience than me is worth fat.
27:19
Speaker 3: It's not about them. You just valued the role lot more.
27:22
Speaker 3: I'm doing that role.
27:23
Speaker 6: Yeah, It's like, logically it makes sense for you to
27:26
Speaker 6: then be asking to I think overstep it a little bit,
27:29
Speaker 6: but at the very least be matched.
27:31
Speaker 3: I think that's mortifying.
27:33
Speaker 5: Yeah, it's embarrassing for the employer.
27:35
Speaker 4: Yeah, Like it actually frustrates me, and like I love
27:40
Speaker 4: this for you. I love that you're asking.
27:42
Speaker 3: It makes me so mad that you ended this with
27:46
Speaker 3: did I mess up? Can I fix this?
27:49
Speaker 4: No? Your employer is the one that messed up. Your
27:52
Speaker 4: employer is the one that, like, should be fixing this.
27:54
Speaker 4: Your employer is the one that should be embarrassed, one
27:57
Speaker 4: that they've been caught out, but two that they did
27:59
Speaker 4: that in the first place. I genuinely would be mortified
28:03
Speaker 4: if someone came to me and said, I'm doing the
28:04
Speaker 4: same role as somebody else and I'm being paid.
28:08
Speaker 5: Less by twenty five thousand dollars.
28:11
Speaker 4: Yeah, we're not talking about a little amount of money.
28:13
Speaker 4: We're talking about a lot of money. Yeah, Like, sorry,
28:16
Speaker 4: do you not value me? Come on, I want to
28:19
Speaker 4: see your answer to that, do you not value me?
28:22
Speaker 4: Because that's real gross. But I feel like, no, it's
28:25
Speaker 4: not too late. I would be asking for it. But
28:28
Speaker 4: I wouldn't be as you said, Jess. I wouldn't be
28:31
Speaker 4: making it about the person, not like, oh, Jess came
28:33
Speaker 4: into the business and we had a chat, and she's
28:35
Speaker 4: earning more and I think I should be earning more.
28:38
Speaker 4: I think it would be sitting down and being like,
28:40
Speaker 4: I've come across some information I'm currently doing. Let's call
28:43
Speaker 4: it admints system, just because that's a good example. I'm
28:47
Speaker 4: currently working in the capacity as an admin assistant and
28:50
Speaker 4: I looked at this job that you put on seek
28:52
Speaker 4: and I tick all the boxes, like I'm doing everything
28:56
Speaker 4: in that job that you are seeking. As you know,
28:58
Speaker 4: I've been here for more than three years, and you
29:01
Speaker 4: and I would probably argue that I'm doing more than
29:04
Speaker 4: my job because I've picked up some things along the
29:06
Speaker 4: way and I actually have a lot of experience, so
29:09
Speaker 4: like it takes me a lot less time to do
29:11
Speaker 4: the job because I actually have that deep understanding of
29:14
Speaker 4: you and the business, like I just know where everything
29:17
Speaker 4: lives already, right, So pretty productive.
29:20
Speaker 3: Do we agree on that? Yes, we agree on that. Great?
29:22
Speaker 4: So why is that role more expensive? Tell me why
29:26
Speaker 4: does that role pay more than twenty five thousand dollars?
29:29
Speaker 4: Can I apply for that one instead? Because I would
29:33
Speaker 4: actually prefer to have that job than the one I've
29:37
Speaker 4: got because I think you've got lower expectations in that one.
29:39
Speaker 3: Is that not right?
29:40
Speaker 5: Yeah?
29:42
Speaker 3: Is there like a training period?
29:43
Speaker 4: Maybe I could do that for six months and have
29:45
Speaker 4: a probation period and I can sit back after hours,
29:48
Speaker 4: like I just I would be so salty. I do
29:52
Speaker 4: not think it's too late. I would absolutely be going
29:55
Speaker 4: back to your boss. I don't know if you would
29:57
Speaker 4: be able to go about asking for like backpay.
30:02
Speaker 5: But lucky and they feel really on the spot. Maybe
30:04
Speaker 5: they will.
30:05
Speaker 3: I mean, but as I always say, what's the worst
30:09
Speaker 3: thing that could happen?
30:10
Speaker 5: So true, don't get exactly.
30:13
Speaker 4: And I had a friend slide into my DMS the
30:15
Speaker 4: other day. Just like when I say friend, I mean
30:17
Speaker 4: she's on the money community, remember, And this is so
30:20
Speaker 4: funny because she's a client services manager for a mortgage
30:24
Speaker 4: broking business.
30:25
Speaker 3: And I know a lot about this.
30:27
Speaker 4: She doesn't work for me, she's in a different state,
30:29
Speaker 4: and I wasn't hiring at the time, but I would
30:31
Speaker 4: have snapped her up if I could. And she said, VI,
30:34
Speaker 4: I just I need to ask my boss for all
30:36
Speaker 4: bosses probably hate me. I'm so sorry in advance, I
30:39
Speaker 4: need to ask my boss for a raise because you know,
30:41
Speaker 4: we're not doing this, this and this right. And she's
30:44
Speaker 4: really pushing back on my flexible work hours and all
30:46
Speaker 4: of this like stuff.
30:47
Speaker 3: And I was like, why why are you working for
30:50
Speaker 3: this person?
30:50
Speaker 5: Again?
30:51
Speaker 3: She was like, I don't know, Like the job market's
30:54
Speaker 3: really hard at the moment.
30:55
Speaker 4: And I was like, oh, totally, I totally see that,
30:58
Speaker 4: but like you're in a job right now that is
31:00
Speaker 4: very secure, and they're clearly quite reliant on you.
31:03
Speaker 3: Have you been shopping? Have you gone to see what's
31:06
Speaker 3: out there? Anyway?
31:08
Speaker 4: Took one week new job, better pay, better hours, part time,
31:11
Speaker 4: Ah snaps to her. Yeah, but what's the worst thing
31:15
Speaker 4: that could happen? You go shopping and you didn't see
31:17
Speaker 4: a job that you liked. Okay, well you've staying.
31:18
Speaker 3: The one you're in.
31:19
Speaker 5: Not a big deal.
31:20
Speaker 3: Go shopping and you found something nicer to wear. Oh
31:23
Speaker 3: that's so weird. It was free.
31:27
Speaker 5: She didn't cost me anything anyway, what everybody else say?
31:30
Speaker 3: They were obviously not impressed.
31:32
Speaker 4: So first question we asked was would you feel comfortable
31:35
Speaker 4: bringing this up with your boss or would it feel
31:37
Speaker 4: too awkward? Seventy percent of you props to you, said
31:40
Speaker 4: I am very comfortable having this conversation. Thirty percent of
31:44
Speaker 4: you said no, way to awkward. Next question we asked
31:47
Speaker 4: was do you think loyalty to a company actually pays
31:50
Speaker 4: off anymore? Only ten percent of you said yes.
31:53
Speaker 5: I'm very happy with that answer.
31:55
Speaker 3: It's really sad. Yeah.
31:57
Speaker 4: Then we said, be honest, would you say something or
32:00
Speaker 4: just quietly start job hunting? And fifty six percent of
32:03
Speaker 4: you said, you would say something, but then forty four
32:05
Speaker 4: percent of you are silently job hunting. We then said
32:08
Speaker 4: what is your two cents and same page as US queens.
32:12
Speaker 4: So many of you said, just say something. If they
32:14
Speaker 4: don't match it, then you can go shopping for a
32:16
Speaker 4: new job. Next person said, talk to your boss, but
32:18
Speaker 4: don't frame it because somebody else is paid more. But
32:21
Speaker 4: rather you know what you're worth. Another person said, when
32:25
Speaker 4: asking for a pay rise, you shouldn't mention the other
32:27
Speaker 4: person's salary. Maybe they negotiate it.
32:30
Speaker 5: I don't think whether or they negotiate it is relevant.
32:33
Speaker 4: I agree. That's why I read it out on you.
32:36
Speaker 4: I can walk just to like a ball and I
32:39
Speaker 4: just know sheally yeah. Other people said I'd just say something,
32:44
Speaker 4: and I'd also job hunt. Another person said, make a
32:49
Speaker 4: case for a pay rise and then just start looking
32:51
Speaker 4: somewhere else as a backup. A lot of people said
32:55
Speaker 4: and like this was like a collective. Lot of people said,
32:57
Speaker 4: like look into discrimination because they should be matching, like
33:01
Speaker 4: for like roles.
33:02
Speaker 6: Okay.
33:02
Speaker 4: Another person said, stop job hunting because then you might
33:06
Speaker 4: have something you can use this leverage.
33:09
Speaker 5: That's also a very good point.
33:10
Speaker 3: And then I will read one more.
33:12
Speaker 4: Someone said, do both quietly, job hunt, have the conversation,
33:15
Speaker 4: hope for the best, book.
33:16
Speaker 3: Plan for the worst.
33:17
Speaker 5: That's my kind of person. I think I love this.
33:20
Speaker 3: I feel like that's a really great place to leave it.
33:22
Speaker 4: There's I guess hope yet, my friends, And unfortunately no
33:26
Speaker 4: more hope for this episode because it's actually finished. So
33:30
Speaker 4: thank you for joining us this Friday drink, so for
33:32
Speaker 4: being part of our community. Whether you are on your
33:35
Speaker 4: way home, on your way to work, tuning in from work,
33:37
Speaker 4: or maybe you're having a little leisurely hogger walk, we
33:40
Speaker 4: appreciate you, We love you, have an excellent weekend, and
33:43
Speaker 4: we'll see you bright and early on Monday for a
33:45
Speaker 4: brand spank and new money diary.
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