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You’re Doing Everything Right, So Why Do You Still Feel Behind? And The Pressure to Make Christmas Perfect · She's On The Money

0:00
Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations
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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,
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Speaker 1: Kaka yah y and Binahaka Nian Our gay In Mbini,
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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Mbaban Gadabomba in
0:17
Speaker 1: and now in wakah Ghana on yak rum Jar water Nadaa. Hello,
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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
0:26
Speaker 1: We thank acknowledge and respect the Aboriginal people's land that
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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.
0:45
Speaker 2: She's on the Money. She's on the Money.
1:07
Speaker 3: Hello and welcome to She's on the Money, the podcast
1:10
Speaker 3: that makes personal finance.
1:12
Speaker 2: Fun, especially on Friday.
1:14
Speaker 3: It's our favorite day of the week because we get
1:16
Speaker 3: the team together and we celebrate you the incredible She's
1:19
Speaker 3: on the Money community, and.
1:21
Speaker 2: Yes, you're hearing right.
1:22
Speaker 3: It is Jess Ricky taking over today because poor Victoria
1:25
Speaker 3: is under the weather. I'm still going to be sharing
1:28
Speaker 3: all of our favorite money wins and confessions, and Beck
1:30
Speaker 3: of course will be sharing her best broke tips. We're
1:32
Speaker 3: going to be helping to answer a money to Lemma,
1:34
Speaker 3: which is all about the relatable feeling of working hard
1:38
Speaker 3: but not being able to get ahead, and something that
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Speaker 3: you slip into our DMS about how to handle feeling
1:43
Speaker 3: anxious about Christmas consumerism. Okay, I get it, I get it?
1:48
Speaker 2: And are they with you?
1:49
Speaker 3: It's just us again today God isn't so gay. It
1:52
Speaker 3: feels like we just get to go rogue. I know, sorry,
1:55
Speaker 3: no offense TVD. She's listening to this. I don't know
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Speaker 3: why either, because it's not as if she the one
2:00
Speaker 3: that keeps us in line.
2:01
Speaker 2: I mean when she's not here. I'm like, yeah, totally
2:05
Speaker 2: that they're off I know. Seriously, we do, we do
2:08
Speaker 2: or say whatever we want. We can do a hole
2:10
Speaker 2: epsode and tailswift if you want, don't tempt me really
2:12
Speaker 2: good time.
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Speaker 3: Instead of a tailor's full blown breakdown, because we would
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Speaker 3: be here for days.
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Speaker 2: We would.
2:18
Speaker 3: Should we do a five star review?
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Speaker 2: Please?
2:20
Speaker 3: Alrighty, This one is actually from Google and I wanted
2:23
Speaker 3: to remind you If you're not using Apple podcasts.
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Speaker 2: That's totally fine.
2:26
Speaker 3: We'll take your five star reviews wherever we can get them,
2:28
Speaker 3: that includes on Google. This one came from Stephanie, who said,
2:32
Speaker 3: if you're not already listening to She's on the Money,
2:34
Speaker 3: what are you even doing with your life? Victoria should
2:38
Speaker 3: one hundred percent be our next prime minister. Imagine the
2:41
Speaker 3: budget actually making sense and being sastly explained to us
2:45
Speaker 3: with snacks. Beck is the voice in my head every
2:47
Speaker 3: time I think about impulse buying another plant.
2:50
Speaker 2: Do you really need it?
2:51
Speaker 4: Though?
2:51
Speaker 2: And Jess, Jess is.
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Speaker 3: Your sunshine in podcast form. I feel karma just hearing
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Speaker 3: her speak. This podcast is like sitting down with your cleverest,
3:00
Speaker 3: kindest friends who actually get the money stuff, no judgment,
3:04
Speaker 3: just real talk, smart strategies and the occasional laugh so
3:08
Speaker 3: hard you snort moment. I've learned more from these women
3:11
Speaker 3: than I did in any education facility. Bless their budgeting souls.
3:15
Speaker 3: Oh my, so sweet, thank you so much.
3:20
Speaker 2: Oh I feel all warm and fuzzy that you do
3:24
Speaker 2: have a very calming so much. Oh that's really really fine,
3:30
Speaker 2: So I thank you so much. Sephanie. God, I love
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Speaker 2: that bit that's really fun. I will have to take
3:35
Speaker 2: over that forever.
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Speaker 4: Now.
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Speaker 3: Yes, I'm gonna have to ask you every week, I think,
3:41
Speaker 3: because oh.
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Speaker 2: It's just so lovely.
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Speaker 3: People say thank you, thank you. I will say though
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Speaker 3: this next but is also very fun. I'm really enjoying
3:49
Speaker 3: sitting in the driver. I don't get too comfortable.
3:52
Speaker 2: It's very natural on you. Thank you so much.
3:55
Speaker 3: But I've been loving doing the question because we have
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Speaker 3: to do something a little, a little off topic.
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Speaker 2: That's my finance love it.
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Speaker 3: So this week we have one from Rebecca who said,
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Speaker 3: what is your favorite thing to do at Christmas time
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Speaker 3: that doesn't cost anything?
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Speaker 5: Oh?
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Speaker 2: I don't know if it's like because it probably does
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Speaker 2: indirectly cost something in like petrol and stuff like that.
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Speaker 2: But something I do every single Christmas, yes, and I
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Speaker 2: force my family to do it is drive around or
4:21
Speaker 2: you can walk around and look at Christmas lights and
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Speaker 2: I make a mass I look at all like Google
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Speaker 2: the best places you can find on TikTok the best
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Speaker 2: places to visit no matter where you are in Australia,
4:30
Speaker 2: no matter where you are in the world. Yeah, go
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Speaker 2: on TikTok. Find the best places in your area in
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Speaker 2: your city, and either walk, public transport drive if you
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Speaker 2: have the means to. If you are driving, what I
4:41
Speaker 2: love to do is start fromhere I am, and then
4:43
Speaker 2: on maps I'll find where every place is that I
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Speaker 2: want to visit and then do like a loop. And
4:48
Speaker 2: then also part of this tradition is getting a soft
4:52
Speaker 2: serve or getting an ice cream from servo. And so
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Speaker 2: it's very very It doesn't cost too much, but it
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Speaker 2: also doesn't have to cost anything. Ye finding ways to
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Speaker 2: like you know, you can reastack from home exactly, doesn't
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Speaker 2: that cost anything at all. I love that I do
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Speaker 2: that every Christmas, and it is a necessity.
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Speaker 3: One of the things I'm so excited about is next
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Speaker 3: Christmas because my house will be built by them. I'll
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Speaker 3: be able to decorate my house with lights. I aspire
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Speaker 3: to be. When I think of Christmas lights where I live,
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Speaker 3: there are some known houses, it is like a full
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Speaker 3: scale production.
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Speaker 2: I aspire to be one of those houses.
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Speaker 4: One of them.
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Speaker 3: They even will come out and they will they have
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Speaker 3: like a popcorn machine and they'll sell like hold for
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Speaker 3: a dollar or something to like fundraise I think, to
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Speaker 3: cover like the cost of electricity. I don't know, but
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Speaker 3: it's like a whole thing, which is so good.
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Speaker 4: I love that.
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Speaker 2: That's so cool. You know when a mister Whoopy is there,
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Speaker 2: you know you've got it, You're in the right pot.
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Speaker 2: That sounds great. That's a great one I really love.
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Speaker 3: Also kind of my cost you in ingredients, but generally
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Speaker 3: you have all of them in your pantry. A gingerbread
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Speaker 3: house or gingerbread cookies one of my favorite traditions making them,
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Speaker 3: or you can pre make them and have everyone come
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Speaker 3: over and decorate them together. I'm partial to a gingerbread
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Speaker 3: cookie with a royal icing on top, so not just
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Speaker 3: like drawing the face, but like flooding the whole thing
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Speaker 3: and making a fun design if you're the one who
6:16
Speaker 3: likes to partake in a little baking moment that it
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Speaker 3: tastes delicious. But otherwise just doing your like your fun
6:21
Speaker 3: little outline designs like you traditionally would is also really exciting.
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Speaker 3: And then I feel like the best bit is like
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Speaker 3: the reward is at the end of you to eat
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Speaker 3: the cookies or the ginger of course. Oh actually on
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Speaker 3: the gingerbread house. Note, so we do a Christmas trip
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Speaker 3: with our big group of friends every year, and we'll
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Speaker 3: buy this one you could bake them though, so that
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Speaker 3: it's free. But we'll do a gingerbread house making competition.
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Speaker 3: Good or usually cumbles or partners. Everyone does it, so
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Speaker 3: you do that. But then obviously not everybody is creatively inclined,
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Speaker 3: and that's okay. So we then also do a structural
6:51
Speaker 3: integrity test of course at the end. So once they're
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Speaker 3: all built, you know, you judge, you pick the winn
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Speaker 3: or whatever, and then everyone like bangs on the table like, yes,
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Speaker 3: you see which one holds up the longest. Oh my god,
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Speaker 3: that's everyone's.
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Speaker 2: Got a chance to win. Yeah. Great, So one most
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Speaker 2: beautiful and one the most structurally integral. Yes, great, idea,
7:11
Speaker 2: very very love. That's a great question.
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Speaker 3: I'd love to hear what everybody else's favorite free Christmas
7:15
Speaker 3: trutions are leaving in the comments front.
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Speaker 2: I'd love to have a look at them. If Victoria
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Speaker 2: could also leave hers in the comments. I wonder what
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Speaker 2: she would have answered, great, I don't know, maybe her
7:24
Speaker 2: handmade homemade? Yeah true, too true Chris Kringle. Yes, that's
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Speaker 2: a really good one. Yeah, so true. I don't know. Gorgeous.
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Speaker 3: We'll send her a text after. But with that being said,
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Speaker 3: I actually have lots of very fun money wins to share.
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Speaker 2: Great if I may please.
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Speaker 3: Alrighty, So the first one that I have this week
7:43
Speaker 3: comes from Sarah, who said she's found out her GP
7:46
Speaker 3: can now describe her daughter's eighthd medication, so she no
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Speaker 3: longer has to pay two hundred and havy dollars every
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Speaker 3: six months to get the script when she can just
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Speaker 3: have it bulk build instead.
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Speaker 2: Oh my god, that's so good.
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Speaker 3: I feel like that's a game changer, because if there
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Speaker 3: is such a big tax people to ADHD or all
8:02
Speaker 3: of our neurodiverse friends who have varying things that you
8:05
Speaker 3: need perhaps medications for, it feels really unsane to me
8:08
Speaker 3: that you have to I know that we need it
8:10
Speaker 3: to be regulated and safe, and that's very important, but
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Speaker 3: I also think it's not ideal that you have to
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Speaker 3: pay to have access to the thing that you need
8:17
Speaker 3: to be able to function more effectively.
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Speaker 2: I agree. It's like, God, can we catch a break.
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Speaker 2: We've got this thing, your neurodiverse already, the world's not
8:24
Speaker 2: made for you, and now you've got to spend so
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Speaker 2: much money for the rest of your life. Yeah, God, God,
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Speaker 2: can we have a little break.
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Speaker 3: Just a little piece of something totally.
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Speaker 2: I love it.
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Speaker 3: Next, I've got a money win from Bianca, who said
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Speaker 3: she stayed home all weekend again for the fourth weekend
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Speaker 3: in a row. She did go to the gyms day
8:40
Speaker 3: and then afterwards bought three items at the supermarket, but
8:42
Speaker 3: staying away from the shops is working wonders for her
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Speaker 3: bank account. Great, I bet at this time of year
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Speaker 3: that's making a huge difference. Well done, Bianca. Next, I've
8:51
Speaker 3: got a money win from Cerese, who said I recently
8:53
Speaker 3: lost a bit of weight and a lot of my
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Speaker 3: clothes don't fit me anymore. But my sister just gave
8:58
Speaker 3: me three huge bin bags her old clothes that she
9:01
Speaker 3: no longer wants, and she has really good taste.
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Speaker 2: Oh my god, sick.
9:05
Speaker 3: There's nothing more fun than when someone you know goes
9:07
Speaker 3: Oh I've done a wardrobe clean out.
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Speaker 2: Do you want to dig through? Totally? Absolutely? I do
9:13
Speaker 2: such a good feel this.
9:15
Speaker 3: Next, I've got a money loss from Anita, who said
9:19
Speaker 3: I bought an older model Dice an air app, but
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Speaker 3: money win. It was retailing at eight hundred and ninety
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Speaker 3: nine dollars and I got it for six hundred and
9:26
Speaker 3: seventy one. I also think it's a money win because
9:29
Speaker 3: I have been and will continue to use it a
9:31
Speaker 3: couple of times a week. Good reminder when new tech
9:33
Speaker 3: comes out, check the old tech. You know your iPhone
9:35
Speaker 3: means old iPhones on sale, all that sort of thing.
9:38
Speaker 3: New tony box, old tony box.
9:40
Speaker 2: That is so true.
9:41
Speaker 3: The old ones just as good. Like just because it
9:43
Speaker 3: doesn't have the newest, fanciest thing, it doesn't mean it's
9:45
Speaker 3: going to do the job. Especially a Christmas when we're
9:47
Speaker 3: shopping for gifts and stuff, exactly, a slightly older model
9:50
Speaker 3: is a great option. Next, I've got a money win
9:53
Speaker 3: from Charlotte who said she did a click and collect
9:55
Speaker 3: from Coals for the first time in a long time
9:57
Speaker 3: and actually got twenty dollars off of her shop. She
9:59
Speaker 3: says she doesn't really know what it.
10:01
Speaker 2: Was from, but it was a good win for the week. Beautiful.
10:03
Speaker 3: And then I've also got one from Louisa who said
10:05
Speaker 3: we needed to do some electrical work on our rental
10:07
Speaker 3: house and we were dreading the bill, but I realized
10:10
Speaker 3: I had a bucket for this, and I'm now no
10:12
Speaker 3: longer completely dreading it. Hates to be prepared absolutely. And
10:15
Speaker 3: then lastly this week I've got a money win from Jackie,
10:18
Speaker 3: who said I got an Apple Watch series eleven with
10:21
Speaker 3: points via my private health insurance. I've had enough points
10:25
Speaker 3: three months ago, but I was hopeful to get a
10:27
Speaker 3: brand new one for the same amount of points.
10:29
Speaker 2: Oh my god, that's great. Great. I didn't even know
10:31
Speaker 2: there was the thing. I know.
10:32
Speaker 3: I would love to know which private health insurance that is. Yes,
10:35
Speaker 3: maybe Switch, he sounds like it, But that's it for
10:38
Speaker 3: me this week.
10:39
Speaker 2: Amazing. They also have great Okay, so I've got a
10:41
Speaker 2: few broke tips. If you're ready and willing, Oh please,
10:45
Speaker 2: I've never been more ready and willing. So this rest
10:48
Speaker 2: comes from Jets, who says, my local Hey, your first
10:52
Speaker 2: money win came from Beck. That's so weird. True, everything's
10:59
Speaker 2: lining up today.
11:00
Speaker 3: I love a little coincidence exact.
11:02
Speaker 2: So this special comes with Jess, who says, my local
11:04
Speaker 2: church op shop does fill a bag for two dollars
11:07
Speaker 2: from their baby and kids' clothes. Oh my god, it's
11:10
Speaker 2: so good. That is so good. I've been going weekly
11:13
Speaker 2: and it's such a dope being rush. Plus the kids
11:15
Speaker 2: are clothed on a budget. Once they've outgrown, I'll donate back.
11:19
Speaker 2: So it's basically a rental service, especially for my two
11:21
Speaker 2: month old who is growing it rapidly.
11:23
Speaker 3: Oh, that's a really sweet way to approach it, tutor,
11:26
Speaker 3: donate it back totally.
11:27
Speaker 2: I really really like that. That's genius. And I love
11:29
Speaker 2: that things aren't going to ways and you're not taking
11:32
Speaker 2: in fast fashion, which sometimes we gotta and that's okay.
11:34
Speaker 3: I wish there were more places I see this in
11:37
Speaker 3: on TikTok of people in the US, where you can
11:39
Speaker 3: go to like a good Will or one of their
11:41
Speaker 3: thrift stores and it'll be the same. It's like pay
11:42
Speaker 3: by weight, like, yeah, fill a bag for X amount
11:45
Speaker 3: of dollars per Totally. I want that here. I know
11:49
Speaker 3: if I feel like op shops are getting extremely pricey,
11:51
Speaker 3: especially for stuff like a lot of it's polyester and
11:54
Speaker 3: not great quality exactly.
11:56
Speaker 2: And guys, op shop means opportunity shops for people who cannot.
11:59
Speaker 3: Afford, you know, so it's like we stop overpricing, stop overpricing.
12:04
Speaker 2: The sexon one comes from Stephanie who says, frozen spinach
12:06
Speaker 2: it's one dollar a pack. It makes a cheap meal
12:09
Speaker 2: look more healthy by adding a bit of green, which
12:12
Speaker 2: I totally agree with. Example, Chuck some in a pack
12:15
Speaker 2: of mac and cheese I bought half price. That's so clever.
12:19
Speaker 2: I mean, doesn't sound very advertising, but I think like
12:24
Speaker 2: spinach is actually kind of delicious.
12:27
Speaker 3: Spinach disappears or whatever you put it into, especially if
12:30
Speaker 3: you're blending it or if it's hot and it shrivels
12:33
Speaker 3: total wait to go, like a whole bag of spinach.
12:35
Speaker 3: It's literally like a tablespoon by the time it's done.
12:37
Speaker 2: Really, and it's not like a super strong flavor, like yeah,
12:41
Speaker 2: you could really get away with just like adding so
12:43
Speaker 2: much more nutrition to your meal. That's one of my
12:46
Speaker 2: preferred greens. Absolutely. Okay, so my one this week is
12:50
Speaker 2: one that I loved from a Christmas idea thread from
12:53
Speaker 2: last year. But it's such a creative, fun and cheap
12:55
Speaker 2: group gift activity Graces. You can get some great books
12:59
Speaker 2: looking knee new from the op shop for two to
13:01
Speaker 2: four dollars. You wrap them in brown paper and write
13:04
Speaker 2: a vague description on the back, and each person chooses
13:07
Speaker 2: description they like the most. You can even do it
13:09
Speaker 2: for dirty sander or stealing sander or bout sand or
13:12
Speaker 2: whatever you call it to make it even more fun
13:14
Speaker 2: as well. So I think that's it's great, and it's festive.
13:17
Speaker 2: And if you're trying to not spend too much this year,
13:19
Speaker 2: or if you just don't have the money to spend,
13:21
Speaker 2: it's so funny the distinction between the two people be like,
13:23
Speaker 2: I'm trying not to spend and I'm like over here
13:25
Speaker 2: thinking I am not trying not to spend because they
13:29
Speaker 2: don't have to spend. So if you're like me, you
13:31
Speaker 2: don't have the money, then this is actually a really
13:33
Speaker 2: good idea and you can just get a book from
13:35
Speaker 2: your own house.
13:36
Speaker 3: I love that it's a blind date with the book,
13:37
Speaker 3: like it's a surprise exactly exactly fun I think it's
13:40
Speaker 3: so clever. So that's me for this week. Beautiful, really
13:43
Speaker 3: good wrap up. Very I love that you got a
13:45
Speaker 3: festive one in there. I really appreciate you. Oh I
13:47
Speaker 3: did try to thank you so much. Well, let's go
13:49
Speaker 3: to a really quick break though, and when we come back,
13:51
Speaker 3: we're going to be helping to answer a money j
13:52
Speaker 3: lemma all about the relatable feeling of working hard but
13:55
Speaker 3: not being able to get ahead, and also chatting through
13:58
Speaker 3: the DM that you sent us this week, which was
14:00
Speaker 3: asking how to handle feeling anxious around Christmas. Consumerism don't
14:04
Speaker 3: go anywhere.
14:09
Speaker 2: Welcome back everyone. Here's this week's money dilemma.
14:13
Speaker 5: Hi, there, have you got a money dilemma you just
14:16
Speaker 5: can't solve that. She's on the Money team is here
14:18
Speaker 5: to help. Every week we tackle your dilemmas, both big
14:22
Speaker 5: and small, to answer your most burning money, career and
14:24
Speaker 5: life questions. To get involved, simply head to our website
14:28
Speaker 5: and leave us a short voice recording and you might
14:30
Speaker 5: just find yourself on the show. Now, let's take a
14:32
Speaker 5: listen to this week's money dilemma.
14:37
Speaker 4: Hi, She's on the Money. My money dilemma is I'm
14:39
Speaker 4: twenty one and only about six months ago gained any
14:43
Speaker 4: consciousness of financial literacy. I thought I was fairly good
14:46
Speaker 4: with money, pretty frugal, good at saving, But it turns
14:50
Speaker 4: out I've been saving like a child. I only have
14:52
Speaker 4: a savings and a spending account. My savings isn't very
14:55
Speaker 4: high interest, and I'm so struggling right now. I'm at
15:00
Speaker 4: you need to do a full load. I'm working eighteen
15:01
Speaker 4: hours a week paid, nine hours a week unpaid. I'm
15:04
Speaker 4: commuting nine hours a week, so the majority of my
15:06
Speaker 4: money is gone onwards petrol. I want to move out
15:09
Speaker 4: within the next year or so. Me and my partner
15:11
Speaker 4: are talking about moving overseas within the next couple of years.
15:14
Speaker 4: I just really need a new car. And I've just
15:17
Speaker 4: been sitting at about six grand for the last six months,
15:21
Speaker 4: six grande in total, and i just feel like I'm drowning.
15:24
Speaker 4: Even though I'm so very privileged and I have my
15:26
Speaker 4: family support and I live at home. I feel like
15:28
Speaker 4: I'm working so hard and I'm just not gaining anything.
15:32
Speaker 4: I'm just like barely staying afloat with no free days off.
15:35
Speaker 2: I don't know.
15:36
Speaker 4: I'm so lost.
15:38
Speaker 2: Yeah, thank you so much for listening. Firstly, twenty one,
15:42
Speaker 2: you ain't going to worry about anything. But also I
15:44
Speaker 2: don't think, oh gosh, I have so many thoughts. Unpaid work.
15:48
Speaker 2: I understand like placement and stuff like that, and I
15:51
Speaker 2: understand like some companies can't afford to hire an extra person.
15:56
Speaker 2: I'm just like this should be like government. I don't know,
16:00
Speaker 2: the unpaid stuff. I don't love it because some people
16:02
Speaker 2: do have the luxury of living at home and some
16:04
Speaker 2: people don't, and some people are living like paycheck to
16:06
Speaker 2: paycheck and to get by or to make it like
16:11
Speaker 2: through UNI to kind of get ahead, to do more
16:14
Speaker 2: with your life. You're gonna have to, Like some people
16:17
Speaker 2: can just live at home and make it work, and
16:18
Speaker 2: some people have to support themselves. And I'm like, it's
16:21
Speaker 2: not very accessible to everyone.
16:23
Speaker 1: You know.
16:23
Speaker 2: It's just like I don't really like the unpaid thing,
16:25
Speaker 2: but I'm sure there are reasons why, but I don't
16:27
Speaker 2: like anyway. So I respect and I appreciate that you
16:30
Speaker 2: are in a situation where you are being seriously overworked.
16:35
Speaker 2: But I would say you have money and savings. That's
16:38
Speaker 2: an incredible start. I understand like the urgency. You're probably
16:43
Speaker 2: feeling like, oh, I've wasted time or how do I
16:47
Speaker 2: get ahead if I'm literally just making it every single week. Also,
16:53
Speaker 2: all of my time is spent working, either paid or unpaid,
16:56
Speaker 2: and you probably pretty burnt out right now. You probably
17:00
Speaker 2: hear this a lot from people who are older than you.
17:03
Speaker 2: Is that like when I was your age, I had
17:07
Speaker 2: all these plans that just like didn't happen or whatever,
17:10
Speaker 2: and it's probably like, Okay, that's not very helpful. Right Now,
17:13
Speaker 2: you have this goal, which is to maybe move overseas,
17:17
Speaker 2: maybe with your partner, and let's just say for argument's sake,
17:20
Speaker 2: that's going to happen. But as someone who is thirty
17:22
Speaker 2: three and who has been your age before and who
17:27
Speaker 2: has had many goals and kind of like not achieved
17:31
Speaker 2: many of them or just things took a different turn,
17:34
Speaker 2: I would say, don't be hard on yourself if things
17:38
Speaker 2: don't go to plan, or if things go to plan
17:39
Speaker 2: later on, just don't be so hard and stuff. You're
17:42
Speaker 2: very very young, you're trying to make it through yours
17:44
Speaker 2: sounds like you're doing everything right. I'd say, maybe, like
17:47
Speaker 2: try and look into a high interest savings account right now.
17:51
Speaker 2: But the urgency in the panic and the worry I
17:54
Speaker 2: can undersand where it comes from. But you're very very
17:55
Speaker 2: young and dorty to worry about that. Just try And
17:59
Speaker 2: I don't know, six thousand dollars sounds like incredible to me.
18:01
Speaker 2: I'm like, that's but I understand when you're like, god,
18:04
Speaker 2: I could have been doing so much more or whatever,
18:06
Speaker 2: or like I thought I was doing great, but you
18:08
Speaker 2: need X amount and your seat you're super to be
18:10
Speaker 2: on track, and you know, I get so I can
18:12
Speaker 2: understand that. But six thousand dollars sounds incredible. I'd be like,
18:15
Speaker 2: I've made it. Yeah, I'll truly made it.
18:18
Speaker 3: You know, my sweet baby angel, you are so far
18:21
Speaker 3: ahead of where I was at twenty one. Totally not
18:24
Speaker 3: to infantilize you, but you are very young. At twenty one,
18:27
Speaker 3: I was coming back from Greece that if mis trip
18:29
Speaker 3: where I had like twenty seven cents in my bangage daring, I.
18:31
Speaker 2: Couldn't allow at the thing like you are.
18:34
Speaker 3: Having the financial literacy is such a huge, wonderful first step,
18:39
Speaker 3: and you have the benefit of time on your side.
18:42
Speaker 3: I know at that age you really probably are finding
18:45
Speaker 3: your independence. That's what I was doing anyway. I was
18:48
Speaker 3: moving out of home, I was doing all those sorts
18:49
Speaker 3: of things, and it is a bit of a shock
18:51
Speaker 3: to the system really when you get out into the
18:53
Speaker 3: real world and you're like, whoa, it costs money to
18:55
Speaker 3: breathe totally. But I would say exactly is what you
18:59
Speaker 3: were saying back. Don't push yourself to do something before
19:03
Speaker 3: you're ready financially. If you have the privilege of being
19:06
Speaker 3: at home, which it sounds like you do, use that
19:09
Speaker 3: to your advantage. Would be my advice, live and budget
19:13
Speaker 3: as if you would living out of home, and just
19:16
Speaker 3: enjoy the fact that you have that luxury without the
19:19
Speaker 3: actual pressure you know, if you do need to replace
19:22
Speaker 3: your car, if you do need to do something, you've
19:24
Speaker 3: got that safety net of being at home, I suppose,
19:28
Speaker 3: But I would really focus on using this time to
19:31
Speaker 3: build up your emergency fund, build up your fund to
19:34
Speaker 3: save for a new car if you really need it,
19:36
Speaker 3: all those sorts of things, and also at the same time,
19:39
Speaker 3: give yourself some grace because I think it sounds like
19:42
Speaker 3: when you're at UNI doing what I'm assuming is a
19:44
Speaker 3: placement or an internship. You know, my partner did this,
19:47
Speaker 3: and it is really taxing on you working or you know,
19:51
Speaker 3: studying full time, working your paid hours, working your unpaid hours,
19:55
Speaker 3: commuting long distances.
19:58
Speaker 2: It is a lot to take on.
19:59
Speaker 3: And yes, throughout your adult life there will be periods
20:01
Speaker 3: where you commit to so many things at once, Like
20:04
Speaker 3: I'm in a phase of life where it's kind of
20:06
Speaker 3: like that for me right now. But I think that
20:09
Speaker 3: take advantage of what you've got and just understand that
20:12
Speaker 3: you don't have to do everything right now. You don't
20:15
Speaker 3: have to move out of home next year, you don't
20:17
Speaker 3: have to move overseas next year. It is so great
20:19
Speaker 3: to have the luxury of time to plan and to
20:22
Speaker 3: be able to do things at a pace that doesn't
20:24
Speaker 3: have to give you anxiety. That means that you can
20:27
Speaker 3: hopefully put yourself in a really solid position by getting
20:30
Speaker 3: your foundational sorted out and then pursuing those things that
20:33
Speaker 3: you want to totally.
20:35
Speaker 2: And if it sounds like you're burnt out, have a
20:37
Speaker 2: little break, don't behind yourself. Life is so long for
20:41
Speaker 2: those who are of us, who are lucky enough to
20:43
Speaker 2: experience all of it something. I know it's not long
20:45
Speaker 2: for everyone, but I think you're doing great job. You're
20:47
Speaker 2: on the right track, and just like, go easy, have
20:50
Speaker 2: a rest.
20:51
Speaker 3: I completely agree. Should we jump into something a little
20:55
Speaker 3: more controversial, Yes?
20:56
Speaker 4: Please?
20:57
Speaker 2: Alrighty.
20:58
Speaker 3: I've got a DM from the community this week and
21:00
Speaker 3: it goes a little something like this, Hey, she's on
21:03
Speaker 3: the money. I hate feeling like this, but I really
21:05
Speaker 3: struggle with Christmas. It just makes me so anxious. The consumerism,
21:10
Speaker 3: the waste, the pressure to keep up. It doesn't align
21:13
Speaker 3: with my values at all. I've tried to do Christmas
21:15
Speaker 3: with less, but it kind of backfired. The grandparents went
21:18
Speaker 3: way overboard, and I ended up crying on Boxing Day
21:21
Speaker 3: because they'd bought more for the kids than I did.
21:23
Speaker 3: I felt like I'd failed as a mum. I've tried
21:26
Speaker 3: bringing it up but always caused tension. And when I
21:28
Speaker 3: zoom out, I get it. They want to spoil their
21:31
Speaker 3: grandkids because it makes them happy. My partner loves Christmas,
21:35
Speaker 3: and every time I try to rein it in, he
21:36
Speaker 3: reminds me how upset I was that year. I hate
21:39
Speaker 3: feeling like the Grinch and I'm so jealous of people
21:41
Speaker 3: who can just enjoy Christmas. I'd love the community's advice
21:44
Speaker 3: on how to handle it this year. Ah, that's a
21:47
Speaker 3: tough spot to be in.
21:48
Speaker 2: It really is, and it is so much more than
21:51
Speaker 2: just like because I understand, like the anxiety can come
21:54
Speaker 2: from a lack of funds and other things like that sometimes,
21:57
Speaker 2: or like maybe a lack of like even community or
22:00
Speaker 2: connection around you. That's those things are all completely valid,
22:03
Speaker 2: but this is very like this is like an existential
22:07
Speaker 2: based yeah, And I completely get that because I think
22:12
Speaker 2: when you really think about like where these toys come from,
22:16
Speaker 2: like is everything ethically sourced or like it's just it
22:20
Speaker 2: does seem like a big waste. I think that if
22:23
Speaker 2: you can't avoid it, there are two things I think
22:26
Speaker 2: if you can try and explain to your family that
22:28
Speaker 2: you would like. If they're going to go overboard, try
22:32
Speaker 2: and find toys that are locally made, ethically sourced, ethically
22:39
Speaker 2: everything like, try and find things that are like you know,
22:43
Speaker 2: you can kind of feel a little bit better about
22:45
Speaker 2: how it's made and how the impact on the environment
22:49
Speaker 2: and the impact on the world, I guess, and if
22:51
Speaker 2: you can kind of find peace there, great the are
22:55
Speaker 2: the end. And I guess you can do this in
22:57
Speaker 2: both situations. If they're just going to go overboard and
23:00
Speaker 2: you're not super comfortable with where these things are coming from,
23:04
Speaker 2: what they're buying, whether it's ethically sourced or ethically made.
23:08
Speaker 2: The other alternative is to be very greatful for everything
23:12
Speaker 2: and all that kind of thing, and then when the
23:13
Speaker 2: time is right, donating all of those things to people
23:16
Speaker 2: who are way less advantage. Like, you know, some people
23:20
Speaker 2: are disadvantaged and they don't have the funds to buy
23:23
Speaker 2: these kind of toys for their own children, and they
23:25
Speaker 2: don't have they don't have access to all this kind
23:27
Speaker 2: of stuff. So I think, one hand, it does feel
23:30
Speaker 2: very wasteful, It feels very uncomfortable to see this all
23:34
Speaker 2: this plastic in the world. But if you can use
23:36
Speaker 2: that to someone else's advantage and you can give that
23:41
Speaker 2: to the less fortunate, and I don't. I don't know why.
23:44
Speaker 2: I have always kind of hated saying it like that
23:47
Speaker 2: the less fortunate, but like.
23:49
Speaker 3: It's creating a divide, yeah, or even just like like
23:52
Speaker 3: oh poor you, you know, and like some people do
23:55
Speaker 3: feel that way.
23:56
Speaker 2: But some people are like, hey, I just don't have
23:58
Speaker 2: as much money as you do, you know whatever, And
24:00
Speaker 2: so you know, people that can't afford those kind of
24:04
Speaker 2: gifts or those toys for their own children or those
24:07
Speaker 2: toys for the adults. I love toys, so you know,
24:09
Speaker 2: it could be for anyone. But yeah, I think you
24:11
Speaker 2: can't avoid it. Then making use of that and kind
24:14
Speaker 2: of like spreading that joy in other places would be
24:17
Speaker 2: another option.
24:18
Speaker 3: Yeah, you know, I totally agree. I think that it
24:21
Speaker 3: is probably about communicating. You know, I understand why the grandparents.
24:25
Speaker 3: I mean, if I got told that my nephews were
24:27
Speaker 3: having a low by Christmas, I'd probably be like.
24:28
Speaker 2: Oh, well, buy the more toys.
24:30
Speaker 3: You know, so I understand the quick like oh I
24:33
Speaker 3: want to spoil, I want to love, I want to nurture.
24:35
Speaker 3: But raising with your family, why you're taking this perspective
24:39
Speaker 3: like what your concerns with it are exactly as you said,
24:42
Speaker 3: might be a really great way to find a middle
24:43
Speaker 3: ground in terms of finding things that are produced or
24:46
Speaker 3: doing Victoria's favorite handmade, homemade secondhand totally like type of vibe.
24:51
Speaker 3: The other thing I would say is Christmas, there are
24:54
Speaker 3: a lot of opportunities to volunteer to give back, and
24:58
Speaker 3: I feel like that is a really fantastic way to
25:01
Speaker 3: still enjoy the spirit of Christmas. Depending on the age
25:04
Speaker 3: of your children, it also can be a really positive
25:06
Speaker 3: exercise in you know, there is a lot of disparity
25:10
Speaker 3: in the world, and you know, not everybody is in
25:12
Speaker 3: the same position. So whether it's regifting additional things that
25:15
Speaker 3: you receive like you said, or whether it's volunteering time.
25:18
Speaker 3: There's a lot of meal services that operate during that period.
25:21
Speaker 3: You can volunteer, wrapping gifts, There's lots that you can do.
25:24
Speaker 3: I think it is a really positive time to Obviously,
25:28
Speaker 3: when you can doing it year round is really important,
25:30
Speaker 3: but there are a lot of opportunities available for you
25:32
Speaker 3: to participate during the holiday season, and I think that's
25:35
Speaker 3: a really powerful message to teach your children. It can
25:38
Speaker 3: be a family activity. You can all go together to
25:40
Speaker 3: participate and do something to help out in your local community.
25:44
Speaker 3: And that also, I think I'm not saying you should
25:46
Speaker 3: volunteer to override feelings of guilt, but I think it
25:50
Speaker 3: sounds like a lot of your guilt is coming from
25:53
Speaker 3: feeling as though it's a wasteful period. And so maybe
25:57
Speaker 3: we can turn that wastefulness exactly as you were saying
25:59
Speaker 3: back into something positive and impactful and also a learning
26:03
Speaker 3: opportunity as well, which it might feel really good. It
26:06
Speaker 3: might open the door for you to do more of
26:07
Speaker 3: that throughout the year, which is also a fantastic thing.
26:10
Speaker 3: But also it is a middle ground, I suppose. And
26:13
Speaker 3: while you want to consume in a certain way, it's
26:15
Speaker 3: out you. You said your partner really loves Christmas, they
26:18
Speaker 3: might have a different take on what they want that
26:20
Speaker 3: to look like. So you might need to compromise a
26:23
Speaker 3: little bit to find a spot that works for everybody.
26:26
Speaker 2: But yeah, there's lots of options.
26:27
Speaker 3: There's lots of I think we've done a thread in
26:29
Speaker 3: the Facebook group before around ethical even like you're gift trapping.
26:32
Speaker 3: You know, you can gift in tea towels or wrap
26:35
Speaker 3: in newspapers, or you know things you've already got. There
26:38
Speaker 3: are lots of ways to reduce the physical waste. You
26:41
Speaker 3: don't need all the trims, and you can repurpose decorations
26:44
Speaker 3: shop them secondhand. So there are also lots of ways
26:47
Speaker 3: to do those traditional holiday things without having that hugely
26:51
Speaker 3: wasteful impact on the environment too, which I would encourage you.
26:54
Speaker 2: To look into.
26:54
Speaker 3: Yes, absolutely, but we did obviously put it to the
26:57
Speaker 3: community to see what everybody else thought.
26:58
Speaker 4: Yes.
26:59
Speaker 3: First of all, we said what would you do if
27:02
Speaker 3: you were our community member. Thirteen percent of people said,
27:04
Speaker 3: just lean into Christmas, sixty seven percent said I would
27:08
Speaker 3: accept that we all do Christmas differently, and twenty percent
27:11
Speaker 3: said I would set firm boundaries with the grandparents. Next,
27:15
Speaker 3: we said what's your biggest stressor at Christmas? Thirty four
27:18
Speaker 3: percent of people said financial pressure very close, thirty two
27:22
Speaker 3: percent of people said family dynamics, thirteen percent said gift guilt,
27:27
Speaker 3: and twenty two percent of people said waste and excess.
27:30
Speaker 3: So it sounds like our community members definitely not alone
27:33
Speaker 3: in their concerns. After that, we obviously said what is
27:36
Speaker 3: your two cents, and as always, we got lots of answers.
27:40
Speaker 3: Somebody said the mental load is just next level. During
27:44
Speaker 3: the end of the year, speak up and look after yourself.
27:47
Speaker 2: Yes, very true.
27:48
Speaker 3: Someone else said Christmas is a time of year people
27:50
Speaker 3: seem to be the most wasteful. Look at doing gifts
27:53
Speaker 3: during the year instead.
27:55
Speaker 2: That's a good idea. Yes, so wasteful. It's almost like
27:57
Speaker 2: a buffer between you and your spending. But like, make
27:59
Speaker 2: a Christmas totally totally.
28:02
Speaker 3: Someone else said, the gift of self compassion can go
28:06
Speaker 3: a long way. I have a note on my mirror
28:08
Speaker 3: to remind myself my love is not defined by what
28:11
Speaker 3: I can afford, and at Christmas, I have to repeat
28:13
Speaker 3: this often to myself, which I think is true.
28:16
Speaker 2: Beautiful. I love that.
28:18
Speaker 3: Yeah, literally, so true. My love is not defined by
28:20
Speaker 3: what I can afford. Say it again, put it in
28:22
Speaker 3: your mirror.
28:22
Speaker 2: I really like that. That's beautiful.
28:25
Speaker 3: Somebody else said, at a time of year when a
28:26
Speaker 3: lot of us don't get to be with our loved ones,
28:28
Speaker 3: just enjoy it while it's there.
28:30
Speaker 2: Yeah, that's fair. It's a good point which I can't understand.
28:33
Speaker 2: But that doesn't mean that you have to give in
28:35
Speaker 2: on everything.
28:36
Speaker 3: Yes, we had someone else say, kids don't care about
28:38
Speaker 3: the amount or have words around it, but they'll sense
28:41
Speaker 3: your feelings.
28:42
Speaker 2: Yeah, that's true. They don't know how much things cost. True.
28:46
Speaker 3: I think it is like you really remember, like when
28:48
Speaker 3: I think about Christmas, I think about joy and happiness
28:51
Speaker 3: and love, and you can do that with or without
28:54
Speaker 3: any of the extra stuff.
28:55
Speaker 2: Really conclutely.
28:56
Speaker 3: Absolutely, somebody else said, respectfully, grandparents need to see it
28:59
Speaker 3: from your point of view and compromise. We had someone
29:02
Speaker 3: else say conversations are hard, the classic we hardly have
29:05
Speaker 3: room for anything. Else often works, wonders, little loophole.
29:09
Speaker 2: That's a good idea.
29:10
Speaker 3: Someone else says in their home Santa does something you want,
29:13
Speaker 3: something you need, something to wear, something to share, and
29:16
Speaker 3: something to read.
29:17
Speaker 2: Cute.
29:18
Speaker 4: I love that.
29:19
Speaker 3: Take a couple of boxes. Yeah, and then give one
29:22
Speaker 3: big gift. And then I'm going to end on this
29:24
Speaker 3: one because I think it just really sums everything up.
29:26
Speaker 3: And they said sometimes joy can be your priority gorgeous,
29:31
Speaker 3: which I think is really true. And yeah, as I said, Christmas,
29:34
Speaker 3: there's a lot of pressure on people, I think, but
29:37
Speaker 3: ultimately it is it is just another day in the year. Yeah,
29:40
Speaker 3: And if you want to participate in everything, that's wonderful,
29:43
Speaker 3: But there's no benchmark.
29:45
Speaker 2: There's no right way to do Christmas.
29:47
Speaker 3: And you know, if you and somebody else wants to
29:49
Speaker 3: celebrate it differently, that's okay, but you might just dare
29:52
Speaker 3: I say, need to communicate a little bit.
29:55
Speaker 2: Just find a middle ground. That's crazy, it's a crazy take.
29:58
Speaker 2: Communication is key. I fear people are going to start
30:02
Speaker 2: listening to this.
30:02
Speaker 3: I know we're aaza, yeah, but please stay with us,
30:06
Speaker 3: Please don't leave us. Enjoy the holiday season.
30:09
Speaker 2: For those who celebrate Christmas. Merry Christmas to you and
30:11
Speaker 2: very happy holidays. And we'll see you guys bright and
30:14
Speaker 2: early on Monday morning. See you guys. Bye.
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