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FRIDAY DRINKS: Yeah the girls! · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:17
  Speaker 3: Hello, and welcome to She's on the Money's Friday Drinks,
• 0:21
  Speaker 3: the podcast millennials who want to wind down after a
• 0:23
  Speaker 3: long week of learning about finance. Today on this show,
• 0:27
  Speaker 3: we are going to be jumping straight into talking about
• 0:30
  Speaker 3: money wins, the community, and some sweet, sweet cash money.
• 0:33
  Speaker 1: This week though, I am joined by Georgia King, Hello.
• 0:37
  Speaker 3: Our favorite friend who helps us every single Wednesday bring
• 0:41
  Speaker 3: our pod to life, and Jessica, who happens to be
• 0:45
  Speaker 3: our absolute content wizard here Actually's on the Money.
• 0:48
  Speaker 1: Jessica, Welcome back for another episode.
• 0:50
  Speaker 4: Hello friends.
• 0:52
  Speaker 3: So last week, Georgia, I introduced you guys to one
• 0:55
  Speaker 3: of my true loves from when I was sixteen, not
• 0:59
  Speaker 3: but I would have drunk them at sixteen. For those
• 1:01
  Speaker 3: of you playing along home, the Guava Cruiser. And how
• 1:05
  Speaker 3: did we rate that we walked away from that feeling
• 1:08
  Speaker 3: how oh solid?
• 1:10
  Speaker 4: Yeah? I felt young again. I felt sixteen, ready to
• 1:14
  Speaker 4: go toy sixteenth. That was a big night for me
• 1:17
  Speaker 4: on the cruisers. Anyway, that's a real flashback. But I
• 1:20
  Speaker 4: loved them, and you were right, Guava really was the
• 1:22
  Speaker 4: best flavor.
• 1:23
  Speaker 1: It is the supreme flavor. I do believe. I feel
• 1:25
  Speaker 1: like everyone's like Buzzbrie. I'm like, no, no, friend, you.
• 1:28
  Speaker 4: Have not leaved Tuava's wear.
• 1:30
  Speaker 1: It's are But this week, Georgia, you've got a flashback
• 1:33
  Speaker 1: for us.
• 1:33
  Speaker 4: I do okay, what have you introduced literally to today?
• 1:36
  Speaker 1: I haven't.
• 1:37
  Speaker 3: I haven't tried it yet. I've drunk them before, but
• 1:40
  Speaker 3: this will be the first time in more than ten years.
• 1:44
  Speaker 4: So what we're drinking tonight, my friends, is the old
• 1:48
  Speaker 4: Lemon Rosky, so the classic stolly drink. Tastes like solo
• 1:52
  Speaker 4: but a bit of fun, and.
• 1:53
  Speaker 1: That tastes like solow.
• 1:55
  Speaker 4: It's a really good way of exposing.
• 1:57
  Speaker 1: That's the best.
• 1:57
  Speaker 4: It's the only way.
• 1:58
  Speaker 1: And you've never had one, have you?
• 1:59
  Speaker 4: J No, I'm very excited.
• 2:01
  Speaker 5: Last week was also my first Guava Cruiser, so I
• 2:04
  Speaker 5: feel like the pot is really just opening up my
• 2:06
  Speaker 5: eyes to a whole new world of.
• 2:07
  Speaker 1: Beverages, responsible drinking as always friends.
• 2:11
  Speaker 4: But my mom loves Ruskies as well.
• 2:15
  Speaker 3: I feel like it's a mum drink. I feel like
• 2:17
  Speaker 3: my mum used to drink Ruskies as well. But you
• 2:19
  Speaker 3: know what I'm really liking about this bottle. It's as
• 2:21
  Speaker 3: imported Russian. It says imported vodka, but then in brackets.
• 2:25
  Speaker 4: Because not Russian Russian stuff.
• 2:28
  Speaker 1: Why did you have to stipulate that?
• 2:31
  Speaker 4: Like?
• 2:31
  Speaker 3: What about this makes anybody think that it was going
• 2:35
  Speaker 3: to be Russian?
• 2:36
  Speaker 4: Because vodka is obviously always Russian and maybe it rusky.
• 2:39
  Speaker 4: I don't know.
• 2:40
  Speaker 3: Maybe maybe it used to be. Maybe it used to
• 2:42
  Speaker 3: be I don't know, But let's move on. This has
• 2:45
  Speaker 3: been a really fun time. I'm going to continue to
• 2:47
  Speaker 3: drink my drink. But you know what, We're going to
• 2:49
  Speaker 3: start this week off with money wins. Georgia, you get
• 2:51
  Speaker 3: to kick us off. We have each and every single
• 2:54
  Speaker 3: week now a thread in our Facebook group of people's
• 2:58
  Speaker 3: money wins, and every single week we got through and pick.
• 3:00
  Speaker 1: Out our favorites. What was yours this week?
• 3:03
  Speaker 4: Okay? So mineus from the Lovely Kelsey who's written. After
• 3:07
  Speaker 4: years of manually transferring my dollary dues to their allocated
• 3:10
  Speaker 4: accounts after each payday, I finally have automated this process.
• 3:14
  Speaker 4: This has already tapped into my relationship with money. I've
• 3:17
  Speaker 4: been less tempted to dip into other accounts. I have
• 3:19
  Speaker 4: hidden most accounts, which has minimized the temptation to dip
• 3:22
  Speaker 4: and she says she used to spend so much money
• 3:24
  Speaker 4: on food and now she's way more mindful of what
• 3:26
  Speaker 4: she's eating and what she's spending. And I think that
• 3:28
  Speaker 4: is brilliant.
• 3:29
  Speaker 1: I also think that's brilliant.
• 3:30
  Speaker 4: Do you see a lot of people doing this? Is
• 3:32
  Speaker 4: this like a tried and true way of managing your
• 3:35
  Speaker 4: money on a daily basis?
• 3:36
  Speaker 3: Everything works for different people, but I think that's a
• 3:38
  Speaker 3: great way of doing it. And to be honest, that's
• 3:40
  Speaker 3: what I love about our community. You get so many
• 3:42
  Speaker 3: different options and so many different views from different people.
• 3:45
  Speaker 3: And even if it doesn't work for you, that's cool.
• 3:48
  Speaker 3: You just learn a different way of doing something that
• 3:50
  Speaker 3: might work for a friend or a family member or
• 3:52
  Speaker 3: even future you. Maybe it's also kind of pervy. I
• 3:54
  Speaker 3: feel like everyone always enjoys listening to how other people
• 3:57
  Speaker 3: manage their every day spending, right, Yes, you know how
• 4:00
  Speaker 3: people do on Instagram day in the life videos, Like
• 4:04
  Speaker 3: they're like, oh, today, I'm going to do a day
• 4:05
  Speaker 3: in the life.
• 4:06
  Speaker 5: Flog content creator jumping in here. Do we want a
• 4:08
  Speaker 5: day in the life of Victoria divine in the office?
• 4:11
  Speaker 4: Please let us know.
• 4:13
  Speaker 3: I will counter off of that and say a day
• 4:15
  Speaker 3: in the life of Lucy the Golden Sheep dude. Mainly
• 4:19
  Speaker 3: it's sleeping under desks and then going to the park
• 4:21
  Speaker 3: at lunchtime. Ten out of ten life. But that's not
• 4:25
  Speaker 3: what I'm talking about. Imagine if you got to do
• 4:27
  Speaker 3: on the She's on the Money Instagram stories a day
• 4:29
  Speaker 3: in the life, like spending edition.
• 4:32
  Speaker 4: And like like takeovers and stuff of different people around
• 4:35
  Speaker 4: the joint.
• 4:36
  Speaker 3: Like, and people would record stories for us and then
• 4:39
  Speaker 3: we could share them of them, being like, this is
• 4:42
  Speaker 3: what I've been spending today, here's my tracker.
• 4:44
  Speaker 1: I don't know.
• 4:44
  Speaker 3: That's a wild idea, but that could be so fun
• 4:47
  Speaker 3: and so pervy.
• 4:48
  Speaker 4: Well, it's like an intense version of a money diary.
• 4:50
  Speaker 4: It's just like a smaller version. I guess. Like people
• 4:53
  Speaker 4: love our money diaries, and I think that is actually
• 4:55
  Speaker 4: a brilliant.
• 4:56
  Speaker 3: I love our money diaries. That's why I bring them
• 4:58
  Speaker 3: to you every single week. I'm obsessed.
• 5:01
  Speaker 4: Anyway, Anya Kelsey, thank you for sharing your money win.
• 5:04
  Speaker 4: I'm sorry for saying, oh ya, Now I think it's
• 5:07
  Speaker 4: Jessica's turn to share a money win from the group.
• 5:09
  Speaker 1: What have you got?
• 5:10
  Speaker 5: Jess Mine is from our friend Milana, which firstly gorgeous name.
• 5:14
  Speaker 5: But she got a Marino wool coat for winter, originally
• 5:18
  Speaker 5: fourteen hundred dollars down to three hundred and twenty, which
• 5:21
  Speaker 5: means she saved over a grand, which is massive, especially
• 5:25
  Speaker 5: for Marino. Like, I'm a bit of a fabric snob.
• 5:29
  Speaker 5: I'm all about, you know, a little bit more money,
• 5:31
  Speaker 5: a little bit nice equality, And I think that's huge.
• 5:34
  Speaker 5: A Marino coat for three twenty, Like.
• 5:36
  Speaker 4: That's a hot deal. That's a hot deal.
• 5:38
  Speaker 1: That's still a really bloody expensive coat.
• 5:40
  Speaker 4: Bye, I feel like three hundred is what I would
• 5:43
  Speaker 4: spend for like a nice coat. I yeah, Like I
• 5:45
  Speaker 4: feel like I have coats that I bought literally a
• 5:48
  Speaker 4: decade ago.
• 5:48
  Speaker 5: So I think, like, if you think about your cost
• 5:50
  Speaker 5: per ware, it's you know a little bit more reasonable.
• 5:53
  Speaker 5: Yes to big outlay, but I mean, girl, get that sale.
• 5:56
  Speaker 5: I'm all about it. I'm an enabler. Though, as Victorian knows.
• 6:00
  Speaker 3: I don't think I want to weigh in on this
• 6:02
  Speaker 3: because as much as I just said that the coat
• 6:03
  Speaker 3: was really expensive, like I'm a fine fishoes and they
• 6:06
  Speaker 3: have less practical application than a coach, So.
• 6:09
  Speaker 1: Yeah, let's move on.
• 6:10
  Speaker 3: I love that though, and it looks gorgeous. You've just
• 6:13
  Speaker 3: shown us a photo of it. Ten out of ten
• 6:15
  Speaker 3: oddwear all that is? She yeah, very nice, very well
• 6:18
  Speaker 3: those of you wondering if I have a favorite, which
• 6:21
  Speaker 3: you're not, but I'm gonna share anyway.
• 6:23
  Speaker 1: I do, and it is from our.
• 6:25
  Speaker 3: Friend Priscilla, And Priscilla says, and you guys are gonna
• 6:28
  Speaker 3: know instantly why I've chosen this one, she says, Oat
• 6:31
  Speaker 3: Milk queen. Oh yeah, see see we started off on
• 6:34
  Speaker 3: the best of feet, she said. I went to cancel
• 6:37
  Speaker 3: my Vegan Goodness Me box subscription to save money, but
• 6:40
  Speaker 3: realized I've been racking up points for the past year
• 6:42
  Speaker 3: or so managed to get a case of six minute
• 6:45
  Speaker 3: figures Oat Milks for free.
• 6:48
  Speaker 1: She says. She's pretty happy about that, and I would
• 6:51
  Speaker 1: be too, my friend.
• 6:52
  Speaker 3: That's good And we all know I stan minor figures
• 6:56
  Speaker 3: like I am obsessed with them. It has absolutely nothing
• 6:59
  Speaker 3: like never even sponsored us.
• 7:01
  Speaker 4: I don't need to be sponsoredble no talk about them
• 7:03
  Speaker 4: every hi.
• 7:03
  Speaker 3: I'm gonna stop talking about them.
• 7:05
  Speaker 4: I was just gonna say, we get DMS about minor figures.
• 7:10
  Speaker 5: Now. I love that Oat Milk is so on brand
• 7:11
  Speaker 5: for us that the community when they see it on sale,
• 7:14
  Speaker 5: or someone saw a really cool like refillable Minor Figures
• 7:19
  Speaker 5: machine like you take like sustainable, you take your little
• 7:22
  Speaker 5: milk bottle and Minor Figures will refill it for you
• 7:25
  Speaker 5: and they DM just a photo and I was like,
• 7:27
  Speaker 5: that's that's outstanding.
• 7:29
  Speaker 3: I can't even I want to. I'm gonna look that
• 7:31
  Speaker 3: up later. I am obviously obsessed with them, But like,
• 7:35
  Speaker 3: can Oat milk become a part of my personality?
• 7:38
  Speaker 4: I think it already is, though, But maybe you could
• 7:40
  Speaker 4: look into getting like a milk tap for the office
• 7:42
  Speaker 4: and Oat milk Minor Figures. Let's look into it.
• 7:44
  Speaker 1: Kind of do you know what? You know what I'm
• 7:47
  Speaker 1: gonna do.
• 7:47
  Speaker 3: I'm just gonna get you a bar friadge and put
• 7:48
  Speaker 3: a sticker of Minor Figures on the front and have
• 7:50
  Speaker 3: about that. That's a good settlement come from. You're not
• 7:53
  Speaker 3: getting a milk tatter, all right? Well, we never promised
• 7:57
  Speaker 3: we would have our stuff together on the Friday episodes,
• 8:00
  Speaker 3: but you know what we do promise. We do promise
• 8:02
  Speaker 3: some level of structure, and given that we have that structure,
• 8:06
  Speaker 3: we are actually going to start talking about our money wins.
• 8:10
  Speaker 3: All confessions from this week which is arguably one of
• 8:12
  Speaker 3: my favorite parts of the week because it makes me
• 8:15
  Speaker 3: feel a little bit better about my spending habits most
• 8:18
  Speaker 3: of the time. So let's just throw Jess straight under
• 8:21
  Speaker 3: the bus. Jess, what is yours this week? Mine is
• 8:24
  Speaker 3: a bit of a team money win. This week we
• 8:27
  Speaker 3: have you may have seen on the IG stories if
• 8:29
  Speaker 3: you've been tuning in, re decorating the office a little bit,
• 8:33
  Speaker 3: just kind of sprucing things up. And obviously the plants.
• 8:37
  Speaker 3: We all we love a plant, we really do.
• 8:41
  Speaker 5: Quite close to our office, I would say, within very
• 8:44
  Speaker 5: reasonable proximity, there is a beautiful wall of Devil's ivy,
• 8:49
  Speaker 5: Like the ivy has grown to be like a literal
• 8:52
  Speaker 5: room divide stun So what we did was.
• 8:57
  Speaker 1: Are you literally going to throw us under the.
• 9:02
  Speaker 5: No?
• 9:02
  Speaker 1: No, no.
• 9:03
  Speaker 5: We may have walked past and liberated a few pieces
• 9:08
  Speaker 5: of this plant and brought them home to the office
• 9:11
  Speaker 5: and pop them in some water to propagate.
• 9:13
  Speaker 4: And then George.
• 9:13
  Speaker 3: Georgia learned about propagation this week too, a bus guard.
• 9:19
  Speaker 1: It was a learning experience for everyone.
• 9:20
  Speaker 5: And then you came and we showed you, and then
• 9:22
  Speaker 5: we went back to the plant and.
• 9:25
  Speaker 4: We collected them for George took them home on the train.
• 9:29
  Speaker 1: No, but money.
• 9:30
  Speaker 5: Wein free plants, and then you can just not free.
• 9:37
  Speaker 1: Yes, they are not free plants. You stole those plants.
• 9:42
  Speaker 4: I much prefer the term liberated. It wasn't from like
• 9:47
  Speaker 4: the botanical gardens or anything like that, so don't at Jess.
• 9:51
  Speaker 3: No, it was all above but it was all very
• 9:53
  Speaker 3: above board, and we did take small clippings of it
• 9:56
  Speaker 3: so that we could propagate and grow.
• 9:59
  Speaker 1: And you know, maybe enhance our space a little bit.
• 10:02
  Speaker 3: In a very frugal way. Frugal Queens, I would say.
• 10:06
  Speaker 3: But thanks Jess for joining the team and letting everybody
• 10:10
  Speaker 3: know that we're thieves. Georgia, have you got something to
• 10:13
  Speaker 3: back that up or are you also going to talk
• 10:15
  Speaker 3: about stealing something Mine?
• 10:17
  Speaker 4: Is so boring, but it doesn't involve theft, which I
• 10:19
  Speaker 4: think we can all agree is great. So I'm back
• 10:23
  Speaker 4: at the office. Actually I have not stopped working for
• 10:26
  Speaker 4: a long time. Well with me anyway. Point is I've
• 10:30
  Speaker 4: been buying lunch a hell of a lot because I
• 10:33
  Speaker 4: haven't had time to go to the supermarket. I mean, boohoo,
• 10:36
  Speaker 4: I probably have had time.
• 10:37
  Speaker 3: This is yes, she had. I know that you have
• 10:40
  Speaker 3: been doing this. This could have been your money loss,
• 10:42
  Speaker 3: and you chose to say that we were thieves.
• 10:45
  Speaker 4: It adds up, though it doesn't it, Jess. And it's
• 10:48
  Speaker 4: one of the things that we talk about on the
• 10:49
  Speaker 4: podcast all the time, is like, pack you lunch, don't
• 10:51
  Speaker 4: buy coffee. It's like my go to. It's the only
• 10:53
  Speaker 4: advice I have, and I've just butted against it. What
• 10:55
  Speaker 4: we're gonna say, Jess.
• 10:56
  Speaker 5: Oh, I'm just gonna say, do as we say, not
• 10:58
  Speaker 5: as we do.
• 10:58
  Speaker 4: Oh, well, that's it. I mean, yeah, and buying your
• 11:01
  Speaker 4: lunch is delicious, but I'm not so delicious on your
• 11:04
  Speaker 4: wallet anyway. What a boring money confession from George Victoria
• 11:08
  Speaker 4: money wins all confessions, take it away.
• 11:11
  Speaker 3: Okay, so this week, if you followed me on Instagram,
• 11:14
  Speaker 3: you'd actually already know this money loss. And it has
• 11:17
  Speaker 3: everything to do with being my own fault. So this
• 11:20
  Speaker 3: week I left half a block of chocolate, really good chocolate,
• 11:25
  Speaker 3: dark chocolate, the expensive kind of dark chocolate that you
• 11:27
  Speaker 3: really try to stretch because you don't want to buy
• 11:30
  Speaker 3: another block of it, but you really enjoy it.
• 11:32
  Speaker 1: I left it on the couch, and this could go
• 11:36
  Speaker 1: badly if you sat on it or something. It melted
• 11:38
  Speaker 1: a couch.
• 11:39
  Speaker 3: But it got worse because my dog, my new dog,
• 11:42
  Speaker 3: Lucy puppy really small founded on the couch and she
• 11:46
  Speaker 3: consumed the entire block.
• 11:48
  Speaker 1: There's two parts to this. She's absolutely fine.
• 11:50
  Speaker 3: Guys got her to the bed in time and we
• 11:53
  Speaker 3: got a stomach pumped, which was really fun. But I
• 11:55
  Speaker 3: walked out of there with a three hundred and fifty
• 11:57
  Speaker 3: dollar bill or three hundred and thirty five dollars to
• 12:00
  Speaker 3: more exact.
• 12:01
  Speaker 1: Sorry.
• 12:01
  Speaker 3: And also, my couch needs a professional steam clean because
• 12:05
  Speaker 3: it turns out a puppy is not that clean at
• 12:07
  Speaker 3: eating and she's rubbed it into my couch.
• 12:11
  Speaker 4: So yeah, that's and she probably lost an eight dollar
• 12:14
  Speaker 4: block of chocolate. Don't forget that as well, at.
• 12:16
  Speaker 3: Least an eight dollar block of chocolate. I don't know
• 12:18
  Speaker 3: what it's worth, but to be honest, I adore dark chocolate,
• 12:22
  Speaker 3: but I do try to limit myself. But Lucy's stotched
• 12:25
  Speaker 3: me having.
• 12:25
  Speaker 1: It all together.
• 12:26
  Speaker 4: She's worth it though, She's.
• 12:27
  Speaker 1: Definitely worth it.
• 12:28
  Speaker 3: She's been a very good lady in the office this week.
• 12:31
  Speaker 3: She greets everybody. She's the Chief Engagement Officer CEO.
• 12:34
  Speaker 1: For short, and yeah, all our clients love her.
• 12:46
  Speaker 3: Given the topic of this week's episode, I thought it
• 12:49
  Speaker 3: would be a little bit of fun while having our
• 12:52
  Speaker 3: ruskies to talk about sweet sweet cash money.
• 12:56
  Speaker 4: Now.
• 12:57
  Speaker 3: I know, Jess, you and I were talking before about
• 12:59
  Speaker 3: some fun questions related to cash and the first one
• 13:03
  Speaker 3: I've actually got for you guys, And maybe if you're listening,
• 13:06
  Speaker 3: you can think about when the last time you did
• 13:08
  Speaker 3: this was? Was when was the last time you spent
• 13:12
  Speaker 3: enough money for you to feel slightly ill with it
• 13:15
  Speaker 3: leaving your account?
• 13:16
  Speaker 5: Ooh, if it's more than twenty dollars, like quite often
• 13:20
  Speaker 5: I'll be like, m do I need it?
• 13:22
  Speaker 1: I think, truthfully, the last.
• 13:24
  Speaker 5: Time I spent a significant amount of money was when
• 13:27
  Speaker 5: I paid off my credit card, which was a while
• 13:30
  Speaker 5: ago now, but that was several thousand dollars more than
• 13:34
  Speaker 5: I would care to admit it was. I had that
• 13:36
  Speaker 5: initial feeling of just like, oh my god, like that's
• 13:38
  Speaker 5: so much money that just left my account that I'm
• 13:40
  Speaker 5: never going to see again, But it was immediately followed
• 13:42
  Speaker 5: by like just complete relief.
• 13:44
  Speaker 3: I actually adore that, and I know that you would
• 13:47
  Speaker 3: have felt a little bit sick.
• 13:48
  Speaker 1: But something that I'm going to point out there.
• 13:49
  Speaker 3: If you're in credit card debt and you have savings,
• 13:52
  Speaker 3: like my friend, you don't actually have savings. You just
• 13:54
  Speaker 3: have an amount of money sitting to the side that
• 13:56
  Speaker 3: could make you completely debt free that you're choosing not
• 13:59
  Speaker 3: to use.
• 13:59
  Speaker 1: That for now.
• 14:00
  Speaker 3: I've always said that having an emergency account is really
• 14:03
  Speaker 3: really important even if you have debt. Don't use that
• 14:06
  Speaker 3: to extinguish your credit card debt. But if you are
• 14:08
  Speaker 3: trying to save while having credit card debt, a personal loan,
• 14:11
  Speaker 3: or any other form of you know, bad debt as
• 14:14
  Speaker 3: we classify it here as cheese on the money, but
• 14:17
  Speaker 3: you need to get rid of that before you start saving,
• 14:19
  Speaker 3: because if you're saving at the same time as having
• 14:21
  Speaker 3: personal debt, it's actually working against you because you're paying
• 14:24
  Speaker 3: interest on your credit card at probably an exorbitant amount
• 14:28
  Speaker 3: between like seventeen and twenty two percent or whatever your
• 14:31
  Speaker 3: credit card is. So that's technically how much money your
• 14:34
  Speaker 3: savings is losing you by having savings. Like if you
• 14:38
  Speaker 3: had an investment portfolio that was consistently losing like let's
• 14:41
  Speaker 3: call it nineteen percent, like you would change it asap.
• 14:45
  Speaker 3: And so we should really start seeing saving while being
• 14:48
  Speaker 3: in debt that way.
• 14:49
  Speaker 5: I think we get that question in our group so
• 14:52
  Speaker 5: so often is people saying, I have, you know, ten
• 14:55
  Speaker 5: thousand dollars set aside, and I want to buy a
• 14:57
  Speaker 5: new card, but I also have a credit card debt
• 14:59
  Speaker 5: or a person alone. So I feel like you've just
• 15:01
  Speaker 5: answered all of those questions we usually get. And just
• 15:04
  Speaker 5: to clarify your saying, if you have debt, that should
• 15:06
  Speaker 5: be your priority, right.
• 15:07
  Speaker 3: One hundred percent is always your priority, and that's something
• 15:10
  Speaker 3: that really needs to be prioritized.
• 15:13
  Speaker 1: And I think it.
• 15:14
  Speaker 3: I think it's really hard because you've got these goals
• 15:17
  Speaker 3: and you've got these things in mind that you really
• 15:19
  Speaker 3: want to achieve, right, Like you want to save for home,
• 15:21
  Speaker 3: and you just have come into a bigger salary, so
• 15:24
  Speaker 3: you're putting all of your money into an account so
• 15:27
  Speaker 3: that you can save your first home. But you've got
• 15:29
  Speaker 3: a ten thousand or eleven thousand dollar credit card or
• 15:32
  Speaker 3: personal debt, so you're just pretending it's not there while
• 15:35
  Speaker 3: feeling like you're achieving something else. It's actually gonna put
• 15:38
  Speaker 3: you further behind and you're not gonna.
• 15:40
  Speaker 1: Get as far forward.
• 15:42
  Speaker 3: What we should be doing is using that debt to
• 15:44
  Speaker 3: teach ourselves that we actually can create really good savings habits.
• 15:47
  Speaker 3: So maybe not seeing that as oh my gosh, I
• 15:50
  Speaker 3: lost all of that money.
• 15:51
  Speaker 1: We didn't. You already spent it, you're just paying it back.
• 15:55
  Speaker 3: But what you should be doing is going, oh my gosh,
• 15:57
  Speaker 3: if I could pay off ten thousand dollars worth of
• 15:59
  Speaker 3: credit card debt, I sure can save ten thousand dollars
• 16:02
  Speaker 3: in that same period of time. So try and prove
• 16:05
  Speaker 3: that to yourself instead.
• 16:07
  Speaker 4: That was good. That was not just your average little chat,
• 16:10
  Speaker 4: was it?
• 16:10
  Speaker 1: When Friday drinks with Victoria goes, oh, friends, I'm.
• 16:14
  Speaker 4: The cool kids usually like on a Friday night with.
• 16:17
  Speaker 3: Thee Yeah, welcome, welcome, Jorjia. When was the last time
• 16:20
  Speaker 3: you spent enough money that it made your eyes kind
• 16:23
  Speaker 3: of water? Umm?
• 16:25
  Speaker 4: Look, I am similar to Jess here. Spending more than
• 16:29
  Speaker 4: twenty dollars at a time makes me stirrup a little
• 16:32
  Speaker 4: in my mouth. So I think probably.
• 16:35
  Speaker 1: Twenty dollars that surprises me. From both of you.
• 16:39
  Speaker 4: You're gonna lie, I'm not a frivolous spender. I think
• 16:42
  Speaker 4: about everything I purchased to the point where.
• 16:44
  Speaker 3: No, you are literally one of the savvyest savers. I
• 16:46
  Speaker 3: know actually, and obviously when I'm share on the pod
• 16:48
  Speaker 3: what you've got in your savings, But she's pretty good
• 16:52
  Speaker 3: at saving friends.
• 16:53
  Speaker 4: Yeah. But I would say probably most recently would have
• 16:56
  Speaker 4: been the purchases that I made for the apartment that
• 16:59
  Speaker 4: I'm now living in. So I had to buy a
• 17:01
  Speaker 4: washing machine and a fridge. So things like that are
• 17:03
  Speaker 4: just like those purchases boring but you need them.
• 17:06
  Speaker 3: Yeah, so just those I guess, do you have any
• 17:09
  Speaker 3: savvy savings tips on those items or did you just
• 17:12
  Speaker 3: just marketplace?
• 17:13
  Speaker 1: Yeah?
• 17:14
  Speaker 4: Nice? Yeah, nice.
• 17:15
  Speaker 5: Complete side note, I'm one hundred percent convinced that I
• 17:17
  Speaker 5: can manifest anything that I went onto Facebook Marketplace. It's
• 17:20
  Speaker 5: happened to be five or six times where I've seen
• 17:22
  Speaker 5: something like quite expensive and pretty specific and I've managed
• 17:27
  Speaker 5: within i would.
• 17:28
  Speaker 1: Say, like two months or so to find.
• 17:31
  Speaker 5: It on Facebook Marketplace for at least half of the
• 17:34
  Speaker 5: retail price.
• 17:34
  Speaker 3: So back for another episode next week with life Coaching
• 17:38
  Speaker 3: from Jessica Ricci.
• 17:41
  Speaker 4: Okay, so finally, for you're the only one that hasn't
• 17:43
  Speaker 4: answered this question, and you have had quite a few.
• 17:47
  Speaker 1: That is true. That is true.
• 17:49
  Speaker 3: I actually feel a little bit embarrassed now about mine
• 17:52
  Speaker 3: because you guys are saying that you're so worried about
• 17:55
  Speaker 3: twenty dollars leaving your account, and mine was the house
• 17:58
  Speaker 3: deposit that left my account.
• 18:00
  Speaker 4: And what did that feel like?
• 18:02
  Speaker 3: Oh? It felt like I got kicked in the guards. Really, yeah,
• 18:05
  Speaker 3: absolutely it was. It wasn't that it was leaving. I
• 18:08
  Speaker 3: was very glad that I was finally achieving this goal.
• 18:11
  Speaker 3: And I really saw that transfer as like, you know,
• 18:14
  Speaker 3: the seal on signing a contract, I suppose, but it
• 18:18
  Speaker 3: was the waiting period between me transferring it and getting
• 18:21
  Speaker 3: a receipt from the real estate agent to say I've
• 18:23
  Speaker 3: transferred it, saying oh my gosh, where's my money gone?
• 18:26
  Speaker 3: Like that was a lot of money and now it's gone.
• 18:29
  Speaker 3: Or maybe it's because I'm just genuinely not used to
• 18:31
  Speaker 3: having that larger sums of money. But you actually have
• 18:34
  Speaker 3: to head down to the bank to get that transferred,
• 18:36
  Speaker 3: so it felt a little bit more legitimate.
• 18:38
  Speaker 1: But knowing that.
• 18:40
  Speaker 3: Some people had gotten caught up in scams historically transferring
• 18:43
  Speaker 3: large amounts of money and it being lost, like, I
• 18:45
  Speaker 3: didn't sleep well that night.
• 18:46
  Speaker 1: I'm not gonna lie.
• 18:47
  Speaker 4: How long did it take?
• 18:49
  Speaker 3: Oh, it took twenty four hours, so it's really quick
• 18:51
  Speaker 3: from bank to bank, and I got the confirmation that
• 18:54
  Speaker 3: it was there. But when you transfer your home deposit,
• 18:57
  Speaker 3: you'll get the receipt that you know it was transferred
• 18:59
  Speaker 3: from them, and I'll say, yep, we've done our job.
• 19:01
  Speaker 3: We've been there account in twenty four hours and you
• 19:03
  Speaker 3: go great, no problems. But you also get like a
• 19:05
  Speaker 3: written up receipt from the real estate agent to say, yes,
• 19:08
  Speaker 3: we've confirmed this and it is here, and they kind
• 19:12
  Speaker 3: of hold it in limbo before the actual owners of
• 19:16
  Speaker 3: the house get it, so it goes to the real
• 19:17
  Speaker 3: estate agent, not the other owners.
• 19:18
  Speaker 1: Just for those of you who don't understand that process,
• 19:21
  Speaker 1: because to be honest, there was a lot that I
• 19:23
  Speaker 1: needed to learn about property when going through that.
• 19:25
  Speaker 4: How are you feeling about that now, Vin, Oh.
• 19:27
  Speaker 1: My gosh, I'm so proud. Yeah, I'm so proud.
• 19:29
  Speaker 3: We achieved this epic goal and we achieved something that
• 19:33
  Speaker 3: I arguably didn't think would happen as fast as it did.
• 19:35
  Speaker 3: So I'm not mad about it, but I'm not gonna
• 19:38
  Speaker 3: lie every time I log into my bank and I'm like,
• 19:40
  Speaker 3: ah ah, that's that's not what that used to look like.
• 19:46
  Speaker 3: And I had the privilege of saving up with a
• 19:49
  Speaker 3: partner as well, so it always looked like it compounded
• 19:51
  Speaker 3: much faster than what I was contributing to it, So
• 19:54
  Speaker 3: that was super motivating. And how we're not doing that,
• 19:57
  Speaker 3: it's going into a mortgage or an offset, and like
• 20:00
  Speaker 3: that's okay, but I don't have the same visibility over
• 20:03
  Speaker 3: that as I did in my personal bank account when
• 20:05
  Speaker 3: we just had a joint account.
• 20:07
  Speaker 4: Going on from that.
• 20:08
  Speaker 5: Actually, I saw a post in the Facebook group the
• 20:10
  Speaker 5: other day that gave me a little bit of a
• 20:11
  Speaker 5: giggle as someone who used to work in real estate,
• 20:14
  Speaker 5: and I'm really sorry I can't remember your name, but
• 20:17
  Speaker 5: I'm sure there are a lot of people who may
• 20:18
  Speaker 5: have had the same train of thought. And she was
• 20:20
  Speaker 5: basically just asking how people felt carrying the cash for
• 20:24
  Speaker 5: their house deposits when they went to pay. So I
• 20:27
  Speaker 5: think she was under the impression that people were taking
• 20:30
  Speaker 5: their you know, sixty to seventy thousand dollars deposit to
• 20:33
  Speaker 5: the auction to put on the table.
• 20:36
  Speaker 1: Like when you buy a house in cash, that's not
• 20:38
  Speaker 1: what they mean.
• 20:38
  Speaker 3: No, and actually, and money that's in your bank account
• 20:43
  Speaker 3: that pays for it. Like if you're saying, oh, they
• 20:45
  Speaker 3: bought the house in cash. That don't just turn up
• 20:47
  Speaker 3: with a briefcase of money.
• 20:49
  Speaker 5: And that's not that's exactly the image I got was
• 20:52
  Speaker 5: like some shady person like opening up their coat and
• 20:55
  Speaker 5: just having a big suitcase full of money. But it
• 20:57
  Speaker 5: got me thinking, like, what's the most cash you've ever
• 21:00
  Speaker 5: seen in person?
• 21:01
  Speaker 4: Physical?
• 21:02
  Speaker 5: Physical casheah holding it in your hands at any one time.
• 21:07
  Speaker 4: That's throwing Daddy O under the bush, green boys in
• 21:10
  Speaker 4: the wallet. From time to time you must be like, nah,
• 21:16
  Speaker 4: I think you had like two when I was like, Dad,
• 21:18
  Speaker 4: you got any money you don't want or bet you're
• 21:20
  Speaker 4: done with? And he was like, George, go away.
• 21:23
  Speaker 3: So it was worth a crack. It was definitely worth
• 21:25
  Speaker 3: a crack. You got to shoot your shot. You don't
• 21:27
  Speaker 3: get your shot, that is okay, but at.
• 21:29
  Speaker 1: Least you try it.
• 21:31
  Speaker 4: How about u V.
• 21:32
  Speaker 3: I don't think i've ever held you know what? Actually,
• 21:34
  Speaker 3: I have a story way back when I just started
• 21:37
  Speaker 3: my grad role and I bought a new car. And
• 21:40
  Speaker 3: this is the thing that put me in personal debt
• 21:42
  Speaker 3: in the first place. For those of you playing along
• 21:44
  Speaker 3: on my life story. But I went and purchased a car.
• 21:48
  Speaker 3: It was a second hand car at the time. It
• 21:50
  Speaker 3: is the car I still drive friends, which happened to
• 21:52
  Speaker 3: be a two thousand and six model, so very recent,
• 21:56
  Speaker 3: very updated, very chic. I still love her dearly. You
• 21:59
  Speaker 3: guys know that pride and joy. But the person I
• 22:02
  Speaker 3: bought it off was out in broad Meadows and they
• 22:09
  Speaker 3: wanted to sell it in cash. And now that's not
• 22:13
  Speaker 3: a bad thing, but like.
• 22:14
  Speaker 4: Do mean it was stolen.
• 22:16
  Speaker 1: Oh, it's not a.
• 22:18
  Speaker 3: Bad thing, but it did feel slightly weird then being
• 22:21
  Speaker 3: like no, no, no, has to be in cash. And then
• 22:23
  Speaker 3: my dad was like, we really should look into these.
• 22:26
  Speaker 3: We like looked up the bin number and stuff, and
• 22:28
  Speaker 3: it was it was actually legit.
• 22:29
  Speaker 1: They did own it. It was fine.
• 22:30
  Speaker 3: There was no loan on the car or anything like that.
• 22:33
  Speaker 3: So yeah, that was probably then I had a hot
• 22:36
  Speaker 3: fourteen five hundred dollars in a cash in my cot.
• 22:40
  Speaker 5: Were you not afraid that it was a set up?
• 22:42
  Speaker 5: I would have been so scared that I was going
• 22:44
  Speaker 5: to get mugged.
• 22:45
  Speaker 3: I can't even remember the full story, if I'm being honest,
• 22:49
  Speaker 3: I just remember that was probably the only time I've
• 22:51
  Speaker 3: held a lot of money in my hands.
• 22:53
  Speaker 1: And do you know what I was so disappointed. Seeing
• 22:58
  Speaker 1: it in person, it.
• 22:59
  Speaker 3: Looked like thing like I thought we were gonna go
• 23:02
  Speaker 3: down to the band and can get this cash out
• 23:04
  Speaker 3: and it would be this massive.
• 23:05
  Speaker 1: Wadden I'd have to like hold it up or something.
• 23:08
  Speaker 3: But actually it was just like this small pile of cash,
• 23:12
  Speaker 3: and I was like, Oh, couldn't you've given it to
• 23:14
  Speaker 3: me in like fives.
• 23:16
  Speaker 1: Now, given that.
• 23:17
  Speaker 3: Story was so lackluster, that was good. It was lackluster.
• 23:21
  Speaker 3: Let's be honest, I reckon. Given Georgia King has always
• 23:24
  Speaker 3: has finish shot Rusky before everybody else, it is time
• 23:29
  Speaker 3: to wrap the show, which is actually how we manage
• 23:31
  Speaker 3: shows nowadays. It is the time in which it takes
• 23:34
  Speaker 3: Georgia to consume the drinks.
• 23:36
  Speaker 1: Which we have picked that week about exactly.
• 23:39
  Speaker 3: If you guys have any suggestions for next week's drink,
• 23:41
  Speaker 3: we are absolutely open to it.
• 23:43
  Speaker 1: Posted in the group. Send us a message.
• 23:45
  Speaker 3: We need to know is there a throwback drink we
• 23:47
  Speaker 3: should be consuming because we want to hear about it.
• 23:50
  Speaker 3: I'm going to pitch Wicked drinks. If those of you
• 23:53
  Speaker 3: playing along at home, remember.
• 23:55
  Speaker 4: Those energy drinks.
• 23:56
  Speaker 1: They're blue, their energy drinks.
• 23:58
  Speaker 4: I'm not talking about it. You're on our side of
• 24:00
  Speaker 4: the day, will remember that you're way older than us.
• 24:03
  Speaker 1: Wow.
• 24:04
  Speaker 3: Okay, well it is time to trap. It is time
• 24:08
  Speaker 3: to wrap the show. But just before we head off,
• 24:11
  Speaker 3: we'd like to acknowledge and pay respects to Australia's Aboriginal
• 24:14
  Speaker 3: interest rate islander people's, the traditional custodians of the lands,
• 24:17
  Speaker 3: the waterways and the skies all across Australia. We thank
• 24:21
  Speaker 3: you for sharing and for caring on the land which
• 24:23
  Speaker 3: we are able to learn. We pay our respects to
• 24:25
  Speaker 3: eldest past and present, and we share our friendship and
• 24:27
  Speaker 3: our kindness.
• 24:28
  Speaker 4: And remember that the advice shared on she is on
• 24:31
  Speaker 4: the Money is general in nature and does not consider
• 24:33
  Speaker 4: your individual circumstances. She's on the Money exists purely for
• 24:37
  Speaker 4: educational purposes and should not be relied upon to make
• 24:39
  Speaker 4: an investment or a financial decision. And we promise vic
• 24:43
  Speaker 4: cost Vine.
• 24:44
  Speaker 1: Is now vick Coss vick Os.
• 24:48
  Speaker 3: I mean it's arguably higher in rank than VICKI d
• 24:52
  Speaker 3: do you like Vicos?
• 24:53
  Speaker 1: Are you calling me? Are you calling me Vicos because
• 24:57
  Speaker 1: you call me cat Henos.
• 24:59
  Speaker 4: I think it's a thing I've started doing. I just
• 25:01
  Speaker 4: had os to everyone's name, like Jess before I was
• 25:03
  Speaker 4: like jess Us Beck, producer be Beckoss Ryanos wouldn't work.
• 25:08
  Speaker 1: It sounds like good.
• 25:10
  Speaker 4: Sorry anyway. Victoria Devine is an authorized representative of Australia
• 25:15
  Speaker 4: Pacific Buns Management proprior to Limited ABN three four one
• 25:18
  Speaker 4: three two four six three two five seven AFSL three
• 25:21
  Speaker 4: through nine one five one And a big thank you
• 25:23
  Speaker 4: of course to Bryan and Beck our producer does we're
• 25:26
  Speaker 4: putting it all.
• 25:26
  Speaker 3: Together, and also hot shout out to Jess for reminding
• 25:29
  Speaker 3: me that I couldn't go home early and needed to
• 25:31
  Speaker 3: stay back to record this podcast.
• 25:33
  Speaker 1: We would love.
• 25:34
  Speaker 3: It as well if you joined our Facebook group where
• 25:37
  Speaker 3: our community shares money tips and tricks literally every single day.
• 25:40
  Speaker 1: I'd argue we could update that now to every single hour.
• 25:44
  Speaker 1: So she's on the money on Facebook and join us.
• 25:46
  Speaker 3: If Facebook's not you think, we're also on Instagram, TikTok
• 25:49
  Speaker 3: and literally every other social media platform we can get
• 25:51
  Speaker 3: our mittens on, So don't forget to join us and
• 25:54
  Speaker 3: we will see you next week for Friday Drinks.
• 25:56
  Speaker 4: I'll see you then, guys.
• 25:58
  Speaker 1: Bye,