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Two Broke Chicks Return to Talk the Click Frenzy Ick! · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
• 0:04
  Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:58
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: for millennials who want financial freedom. My name is Beckside
• 1:04
  Speaker 4: and Jessica Ricky. It joins me today because it is Friday,
• 1:07
  Speaker 4: and today we celebrate you, the incredible Shees on the
• 1:09
  Speaker 4: Money community. Today we'll be sharing our favorite money wins,
• 1:13
  Speaker 4: sharing some broque tips. We'll also be helping to answer
• 1:16
  Speaker 4: juicy money dilemma, which this week is all about keeping
• 1:19
  Speaker 4: your budget in line or getting bargains at the end
• 1:22
  Speaker 4: of financial sales, and we unpack something that you slid
• 1:25
  Speaker 4: into our DMS, about which this week is all about
• 1:27
  Speaker 4: resetting your headspace after a toxic workplace.
• 1:30
  Speaker 5: So Jessica, Ricky, how are you?
• 1:31
  Speaker 6: I'm good?
• 1:32
  Speaker 5: How are you good?
• 1:35
  Speaker 6: We have doubled the team this week, so it's not
• 1:38
  Speaker 6: just the two of us, We've got four because you
• 1:40
  Speaker 6: guys loved when we had Salina the Two Broke Chicks
• 1:44
  Speaker 6: a couple of weeks ago and they were down in
• 1:46
  Speaker 6: Melbourne and we were like, besties, please let us squeeze
• 1:49
  Speaker 6: you in person, so welcome. Of course the Twin Flames
• 1:53
  Speaker 6: Sally McMullan and Alex Herrigan aka the Two Bow.
• 1:56
  Speaker 7: Chicks as back Caddle in person.
• 2:02
  Speaker 6: We were so stoic that you can find to see
• 2:04
  Speaker 6: what you guys were down and you're obviously about talking
• 2:07
  Speaker 6: about your new book, which is so exciting. Congratulations on
• 2:10
  Speaker 6: the launch.
• 2:11
  Speaker 2: Thank you so much.
• 2:12
  Speaker 8: Writing Finding your people has definitely been like the highlight
• 2:15
  Speaker 8: of our career. So it's just been crazy every time
• 2:17
  Speaker 8: we passed the books, like, let's get.
• 2:19
  Speaker 9: Yeah, the novelty has not run off yet.
• 2:23
  Speaker 6: Have you started walking around with a sharpie so you
• 2:25
  Speaker 6: can just like pop in and sign one every now and.
• 2:27
  Speaker 10: Again, like hey, and be like like it needs to
• 2:37
  Speaker 10: be something all day, like that.
• 2:38
  Speaker 2: Chick from Harry Potter.
• 2:39
  Speaker 5: Yeah, just like in a bookstore in what are those
• 2:43
  Speaker 5: ones called.
• 2:44
  Speaker 4: The d.
• 2:47
  Speaker 9: Get three times?
• 2:51
  Speaker 5: Can you stop writing on my book please?
• 2:53
  Speaker 7: Yeah, we can have like Britta memoir that's not yours.
• 2:58
  Speaker 9: Well, she's out of stake in this. This is important
• 3:01
  Speaker 9: to me as well.
• 3:03
  Speaker 5: She's my people. Exactly.
• 3:07
  Speaker 9: How's your week been?
• 3:07
  Speaker 6: Apart from just absolutely chaos with all the book stuff.
• 3:10
  Speaker 2: It's been really good.
• 3:11
  Speaker 8: We went out on the weekend and then basically wrote
• 3:14
  Speaker 8: ourselves off after that and that was like, let's go
• 3:16
  Speaker 8: celebrate that. I was like, I'm dead for this, but
• 3:21
  Speaker 8: it was really nice, and like Melbourne's so beautiful, Like, yeah,
• 3:23
  Speaker 8: definitely the prettiest city.
• 3:25
  Speaker 2: I'm probably gonna get rid for that.
• 3:27
  Speaker 8: I think, So your CBD is definitely prettier than.
• 3:32
  Speaker 6: We're biased, But I think Melbourne's the best city in
• 3:34
  Speaker 6: the world. And I mean that least agreed like six
• 3:36
  Speaker 6: years in a row, so exactly exactly, little city.
• 3:40
  Speaker 5: How we're humble.
• 3:42
  Speaker 6: Absolutely, it's not humble.
• 3:45
  Speaker 4: Oh yeah, my week has been a series of unfortunate events,
• 3:52
  Speaker 4: but it's also been like really good in a funny way,
• 3:56
  Speaker 4: like my car was broken into and my partner's laptop
• 3:58
  Speaker 4: was stolen, just like a few and so it's just
• 4:01
  Speaker 4: been like a hectic few days, just like trying to
• 4:04
  Speaker 4: suss out without like it's kind of like it's good.
• 4:07
  Speaker 4: The silver lining is that I'm getting work. I'm getting
• 4:10
  Speaker 4: freelance work, which means that I need a laptop, which
• 4:12
  Speaker 4: also means that I must find a laptop. But it's
• 4:16
  Speaker 4: all sorted. It always works itself out in a way,
• 4:19
  Speaker 4: doesn't it. I guess my only the only uncomfortable thing
• 4:21
  Speaker 4: in the pit of my stomach is that, like, there
• 4:23
  Speaker 4: are people out there that have my girlfriend's laptop and
• 4:27
  Speaker 4: no one's doing anything about it. They're just like getting
• 4:29
  Speaker 4: away with it. Yeah, I get like they have justice.
• 4:32
  Speaker 4: There's a justice.
• 4:33
  Speaker 2: This is your vigilante. Error become a vigilante after this,
• 4:39
  Speaker 2: I know.
• 4:39
  Speaker 4: I literally went to the place because you know, you
• 4:41
  Speaker 4: can track it with your friend, and so I went
• 4:42
  Speaker 4: to the place.
• 4:43
  Speaker 5: I went to the address. It was a car wash.
• 4:44
  Speaker 4: So I was like, Okay, I can't do much here,
• 4:46
  Speaker 4: but it's basically I think we do need to take
• 4:49
  Speaker 4: the work. It Still it's not trackable anymore, but it
• 4:53
  Speaker 4: was on for that day like watching it, like and
• 4:56
  Speaker 4: I was like, someone do something.
• 4:58
  Speaker 8: My brother did that and he showed up to the
• 5:00
  Speaker 8: person's house and he was like cause it was some
• 5:03
  Speaker 8: little sixteen year old yeah phone, and he was like,
• 5:06
  Speaker 8: you've got my phone. And my boyfriend's brother was like
• 5:08
  Speaker 8: six foot five and he was like, you got my phone.
• 5:10
  Speaker 8: He was like no, no, no, and he was like,
• 5:13
  Speaker 8: my phone is here, just go get it. And then
• 5:15
  Speaker 8: this angel like went up the day has got it
• 5:17
  Speaker 8: and I had to give it back and I was like
• 5:19
  Speaker 8: I'm embarrassing.
• 5:19
  Speaker 2: Yeah, oh my god.
• 5:21
  Speaker 9: It was so funny.
• 5:22
  Speaker 8: But yeah, my mum also did it. She like went
• 5:24
  Speaker 8: and got her like Apple Watch, it's the best feature.
• 5:26
  Speaker 8: If you don't have to find my phone on you
• 5:28
  Speaker 8: need to.
• 5:29
  Speaker 5: Yeah, totally.
• 5:30
  Speaker 6: People listened to the show, not that I did that
• 5:32
  Speaker 6: with an uber, Like I left my phone in the
• 5:34
  Speaker 6: uber and they tried to say that they didn't have it,
• 5:36
  Speaker 6: and so I drove. I tracked it, drove like all
• 5:39
  Speaker 6: over the place to find this thing. Knocked on this
• 5:41
  Speaker 6: guy's window he was about to pull out of a
• 5:43
  Speaker 6: KFC and I blocked him in with and like knocked
• 5:47
  Speaker 6: on the window and he rolled and he was so
• 5:49
  Speaker 6: confused he did not recognize me. I was like, Hi, like,
• 5:51
  Speaker 6: I'm the person who spoke to yesterday. You said you
• 5:52
  Speaker 6: were going to bring my phone back. You never did
• 5:53
  Speaker 6: and he was like, oh, the phone, the phone. I
• 5:55
  Speaker 6: was like, I know that you have my phone in there,
• 5:58
  Speaker 6: and he literally just was like okay, and like you
• 6:02
  Speaker 6: just did not know what to do, which, in hindsight
• 6:04
  Speaker 6: so dangerous.
• 6:05
  Speaker 9: But I felt like I got it.
• 6:09
  Speaker 2: Did you go by yourself?
• 6:10
  Speaker 9: I did?
• 6:11
  Speaker 7: I done that.
• 6:13
  Speaker 4: I was at least I felt safe in a public
• 6:15
  Speaker 4: k I have never felt safe for anywhere in the
• 6:21
  Speaker 4: world than in a KFC parking lot.
• 6:25
  Speaker 5: Face, I'm so proud of you. That's bad us.
• 6:28
  Speaker 9: But if I had a car wash, there would have been
• 6:29
  Speaker 9: in a car.
• 6:30
  Speaker 6: So you should get the car wash camera footage because
• 6:32
  Speaker 6: maybe you'll be able to identify the current.
• 6:34
  Speaker 2: Take it to the vigilante.
• 6:37
  Speaker 6: That's a great idea if anyone needs something sorted. I
• 6:39
  Speaker 6: feel like everyone at this table are just the people
• 6:41
  Speaker 6: to make it.
• 6:43
  Speaker 5: A Yes, totally, But enough about me. How was your week?
• 6:47
  Speaker 9: It was good.
• 6:48
  Speaker 6: I chipped something off my bucket list this week. I
• 6:51
  Speaker 6: went to Laru, which was incredible. We roset amazing experience.
• 6:55
  Speaker 6: I was so lucky. Version of just launched flats and
• 6:58
  Speaker 6: I got invited to go to celebrate, and it was
• 7:02
  Speaker 6: just I'm not a super spiritual person, it's not really
• 7:05
  Speaker 6: who I am, but there was some kind of energy
• 7:09
  Speaker 6: there that just was unlike anything I've ever experienced before.
• 7:13
  Speaker 6: It was incredible, and it's something I wanted to do
• 7:16
  Speaker 6: since I was a kid and had just never had
• 7:17
  Speaker 6: the opportunity to. So I had the best week ever
• 7:21
  Speaker 6: because I you know, when you do something you've always
• 7:23
  Speaker 6: wanted to, you just go, oh my god, this is
• 7:25
  Speaker 6: what life is for You feel like spec on a
• 7:29
  Speaker 6: rug living my life because you stand next toy and
• 7:33
  Speaker 6: it's so it's bigger than the Eiffel Tower, or taller
• 7:36
  Speaker 6: than the Eiffel Tower. The amount of things that I
• 7:39
  Speaker 6: learned that I didn't know was crazy. I had a
• 7:41
  Speaker 6: little of an existential like out of forty moment where
• 7:44
  Speaker 6: I was like, I am just in a meeba on
• 7:46
  Speaker 6: the life. That was good to have Kitty grounded.
• 7:51
  Speaker 2: I love when you have this beck on the Rock week,
• 7:53
  Speaker 2: when it's always.
• 7:54
  Speaker 8: At the time when like I'm supposed to be happy
• 7:56
  Speaker 8: with my period, it's like the week after and I'm like, ah.
• 8:00
  Speaker 2: We're just on the big floating rock.
• 8:02
  Speaker 8: And then like two weeks are like everything zags the whole.
• 8:08
  Speaker 6: Yes, yes, anyone who following me on Instagram got absolutely
• 8:11
  Speaker 6: spammed this week, and I'm really sorry, but also I'm
• 8:13
  Speaker 6: not so.
• 8:16
  Speaker 9: Through you.
• 8:17
  Speaker 6: But I do have some excellent money wins to share
• 8:20
  Speaker 6: with everybody, because I obviously was still kicking around in
• 8:23
  Speaker 6: the group despite being away. Please let me share with
• 8:26
  Speaker 6: you guys what I pulled out. So firstly, I'm going
• 8:28
  Speaker 6: to start with a loss, but it's in my mind
• 8:31
  Speaker 6: still a win from Rochelle. She said, I used my
• 8:34
  Speaker 6: emergency account for the first time ever. I had set
• 8:37
  Speaker 6: it up at the start of the year, and I
• 8:38
  Speaker 6: had slowly accumulated money. I just went to the dentist
• 8:41
  Speaker 6: after a little scare, and I was proud to note
• 8:44
  Speaker 6: that I didn't have to scramble for money when I
• 8:46
  Speaker 6: was told the cost. I also have no guilt because
• 8:49
  Speaker 6: that's what the money is for.
• 8:51
  Speaker 9: What a good feeling.
• 8:52
  Speaker 2: I wouldn't say that's a loss at all.
• 8:54
  Speaker 6: It's a win because you were prepared, well done, Rochelle.
• 8:57
  Speaker 6: It's such a good feeling.
• 8:58
  Speaker 2: And you went to the dentist.
• 8:59
  Speaker 6: That's how enough of conversation in our workplace because two
• 9:04
  Speaker 6: of us are people who have been very, very scared
• 9:06
  Speaker 6: that in just for a long time and left it
• 9:09
  Speaker 6: kind of an arguably disgusting amount of it. And it's
• 9:13
  Speaker 6: like one of those things where it's like you go
• 9:14
  Speaker 6: and you get there and you get it done, and
• 9:15
  Speaker 6: if you find a good dentist, you're, oh, it's actually
• 9:17
  Speaker 6: not that bad. But it's the mental hurdle, Isn't.
• 9:20
  Speaker 5: It very expensive?
• 9:22
  Speaker 8: There's actually a place called I don't know if it's
• 9:25
  Speaker 8: there's some in New South Wales. I'm sure there should
• 9:28
  Speaker 8: be some in melbournecause I think there's some in Brisbane.
• 9:30
  Speaker 8: But it's called Dentist or Dental ninety nine and it's
• 9:33
  Speaker 8: like a ninety nine dollars dentist.
• 9:34
  Speaker 2: So for like a check up and clean it costs
• 9:37
  Speaker 2: maybe they should be a money whin.
• 9:39
  Speaker 8: It's like ninety nine dollars and then for like a
• 9:42
  Speaker 8: lot of their other treatments, it is quite on the
• 9:45
  Speaker 8: audordable side of the spectrum.
• 9:47
  Speaker 9: That's awesome.
• 9:48
  Speaker 8: Their prices may have gone up a little bit inflation vibes. Yeah,
• 9:55
  Speaker 8: but like I went and I think I had to
• 9:56
  Speaker 8: have a check up, and I had to have like
• 9:58
  Speaker 8: one feeling because I left it a discuss team out. Yeah,
• 10:01
  Speaker 8: and yeah, I think it was like two hundred bucks,
• 10:03
  Speaker 8: which I was like, that's awesome.
• 10:04
  Speaker 2: It was like a bit of a relief.
• 10:05
  Speaker 6: Yeah, hopefully that's the money win for somebody. Yeah, that's incredible. Next,
• 10:10
  Speaker 6: I've got one from Courtney, who said she had five
• 10:13
  Speaker 6: thousand dollars of fines wiped after applying through the special
• 10:18
  Speaker 6: Circumstances route. She said there was a lot of mucking around,
• 10:21
  Speaker 6: but after four very long months she heard back that
• 10:24
  Speaker 6: the entire debt had been cleared.
• 10:26
  Speaker 9: Sick, and she said she's so happy.
• 10:28
  Speaker 6: She advocated herself that one's for you, and you're ten
• 10:31
  Speaker 6: thousand of parking. Fine, I know I'm.
• 10:33
  Speaker 5: Thinking about that as you're saying that, But I like
• 10:34
  Speaker 5: to try once.
• 10:35
  Speaker 4: We would just try again, they said, So we can't
• 10:37
  Speaker 4: wipe it, but there's like nine thousand dollars worth of
• 10:39
  Speaker 4: finds it.
• 10:39
  Speaker 5: But I just like, am I just try?
• 10:41
  Speaker 2: Where are we parking?
• 10:43
  Speaker 5: Got anywhere.
• 10:46
  Speaker 8: Anywhere?
• 10:47
  Speaker 5: All the time?
• 10:47
  Speaker 4: Yeah, basically, so you never know if you don't give
• 10:51
  Speaker 4: it a go. Exactly took her ages, but it worked out.
• 10:54
  Speaker 4: That's awesome, Courtney.
• 10:56
  Speaker 6: Next, I've got a win from Sarah, who said she
• 10:57
  Speaker 6: thought her husband needed brand new headphone, but instead he
• 11:01
  Speaker 6: just needed new headphone covers. She saved herself around two
• 11:04
  Speaker 6: hundred and thirty dollars just by buying like a couple
• 11:06
  Speaker 6: of little foamy things for his birthday.
• 11:08
  Speaker 5: Oh nice.
• 11:09
  Speaker 6: You can also wash them a lot of the time,
• 11:10
  Speaker 6: depending what they are like. I've seen people talking about
• 11:13
  Speaker 6: the AirPod maxes and how they get growth. You can
• 11:16
  Speaker 6: wash those, but yeah, apparently eBay, you can grab yourself
• 11:19
  Speaker 6: some new little foami inserts and turn your crusty, dusty
• 11:23
  Speaker 6: old one who how good into something.
• 11:25
  Speaker 9: A little fresher.
• 11:26
  Speaker 6: And then, lastly, for this week, I've got a money
• 11:28
  Speaker 6: win from Hayley, who said she was comparing travel insurances
• 11:32
  Speaker 6: and she read the pds and realized that one company
• 11:34
  Speaker 6: had a much higher limit for phones than the other
• 11:38
  Speaker 6: company that she was looking into. She said the lower
• 11:41
  Speaker 6: one was only one thousand dollars, which doesn't even cover
• 11:43
  Speaker 6: the cost of an iPhone these days. So she rang
• 11:45
  Speaker 6: the insurance which had a much higher level of cover
• 11:49
  Speaker 6: and asked if they could do anything for her. They
• 11:52
  Speaker 6: dropped it by thirty five percent, from four hundred and
• 11:54
  Speaker 6: fifty to two hundred and ninety, and so what was
• 11:57
  Speaker 6: the most expensive and comprehensive cover came the most affordable.
• 12:01
  Speaker 6: Oh sick, I didn't even know that you could do that.
• 12:03
  Speaker 6: You can bring around and get them to drop the
• 12:05
  Speaker 6: pass on it. So do your research. She said, it
• 12:08
  Speaker 6: pays to read the fine print, and I couldn't agree more.
• 12:11
  Speaker 5: That's really really good.
• 12:12
  Speaker 9: Now, not to put you guys on the spot.
• 12:13
  Speaker 6: I know you you brought some last time, but do
• 12:15
  Speaker 6: you have any fresh money wins or losses to share
• 12:17
  Speaker 6: with everybody?
• 12:18
  Speaker 2: Sure?
• 12:19
  Speaker 7: My money win was initially a money loss as well.
• 12:23
  Speaker 9: Oh a journey. We love that.
• 12:25
  Speaker 7: And it's a reminder to always look at your recurring bills.
• 12:31
  Speaker 7: I don't know if anybody is like me, but whenever,
• 12:34
  Speaker 7: like the electricity bill comes, they're like, oh, I know
• 12:38
  Speaker 7: I have to pay it, but I just don't even want.
• 12:39
  Speaker 9: To look at it or look at the details.
• 12:41
  Speaker 6: Yeah, I'll just see how much and I'll just pay it.
• 12:43
  Speaker 9: I don't even like question it.
• 12:46
  Speaker 7: And then my partner and I knew that our rates
• 12:49
  Speaker 7: had gone up, but we were like, surely not by
• 12:51
  Speaker 7: this much, but we paid the first quarter anyway, then
• 12:56
  Speaker 7: it happened again and it was even more expensive, and
• 12:58
  Speaker 7: we were like, no way. So we called our provider
• 13:02
  Speaker 7: and they were like, oh, sorry, we've been overcharging you
• 13:06
  Speaker 7: crazy amounts for the last two quarters. And because we
• 13:10
  Speaker 7: followed it up, we got an eight hundred.
• 13:12
  Speaker 6: Dollars you would have just kept.
• 13:18
  Speaker 9: Yeah. Oh my god.
• 13:20
  Speaker 6: The corporations truly just don't care. I know about the
• 13:23
  Speaker 6: little man at all. It's the lazy tax. It completely is.
• 13:27
  Speaker 6: It's hard with electricity and stuff because you go, oh, like,
• 13:30
  Speaker 6: how do you quantify that?
• 13:31
  Speaker 4: Yeah?
• 13:32
  Speaker 6: You, oh, winter, I had the heater on, Summer I
• 13:34
  Speaker 6: had the air got on.
• 13:35
  Speaker 9: Exactly.
• 13:36
  Speaker 7: Well that's kind of what we were thinking. And then
• 13:38
  Speaker 7: we were like there's no way. Yeah, because we had
• 13:41
  Speaker 7: made a real conscious effort not to use as much electricity,
• 13:45
  Speaker 7: and we were like, something has gone wrong.
• 13:47
  Speaker 9: Yeah, but yeah, they're.
• 13:49
  Speaker 6: Not going to call you being like oopsie, no, never
• 13:51
  Speaker 6: in history ever has a wait for you to make
• 13:54
  Speaker 6: that call.
• 13:55
  Speaker 9: So make the call. Well done, good advice, picking.
• 13:59
  Speaker 2: Up the phone.
• 14:00
  Speaker 5: It's really really good.
• 14:01
  Speaker 2: Okay.
• 14:02
  Speaker 8: So in my early twenties, I was like, why would
• 14:04
  Speaker 8: I use a tax agent? Because tax time and a
• 14:06
  Speaker 8: financial year and we're all like, yeah, tax return right.
• 14:10
  Speaker 8: I never used a tax accountant until maybe like four
• 14:14
  Speaker 8: years ago. I'm gonna say, give or take little asterix.
• 14:16
  Speaker 8: I can't remember anything. However, we did a mid year
• 14:20
  Speaker 8: money reset episode on Two Broke Chicks and we pulled
• 14:23
  Speaker 8: in this statistic which I was like, this has just
• 14:25
  Speaker 8: justified tax accountants for me for the rest of my life.
• 14:29
  Speaker 8: So on average, you get a bigger tax refund if
• 14:32
  Speaker 8: you use an accountant. So, according to hr Bloc who
• 14:34
  Speaker 8: did their own tax, people who did their own tax
• 14:37
  Speaker 8: received a refund of two thousand, five hundred and seventy
• 14:40
  Speaker 8: six on average in twenty twenty two.
• 14:43
  Speaker 2: However, people who.
• 14:45
  Speaker 8: Used a tax agent received an average of three thousand,
• 14:48
  Speaker 8: five hundred and fifty. So the average cost of a
• 14:51
  Speaker 8: tax agent in New South Wales ranges from one hundred
• 14:54
  Speaker 8: and two hundred and sixty. So using this example, even
• 14:57
  Speaker 8: if you paid two hundred and sixty you would still
• 15:00
  Speaker 8: get an additional seven hundred and fourteen back if you
• 15:02
  Speaker 8: did it.
• 15:03
  Speaker 2: On your own.
• 15:03
  Speaker 8: And I swear every year I'll go and I'll look
• 15:06
  Speaker 8: if I just do it on my own, and then
• 15:09
  Speaker 8: I do it with like an accountant, and it's definitely
• 15:12
  Speaker 8: a big difference, and I just think it's so much
• 15:15
  Speaker 8: it's just worth it, and you don't have to do it.
• 15:17
  Speaker 2: You save the time as well. Yeah, because tax is tricky.
• 15:20
  Speaker 6: It is so complicated, and I mean like the system
• 15:23
  Speaker 6: is set up well that if you know you can't
• 15:26
  Speaker 6: afford to go to a tax accountant, the system is
• 15:28
  Speaker 6: in place for you to be able to do it
• 15:29
  Speaker 6: by yourself. But I remember the first time I saw
• 15:31
  Speaker 6: an accountant, which was probably three years ago. I sat
• 15:35
  Speaker 6: down and the list of things that she was She
• 15:37
  Speaker 6: was like, you can claim like part of your house
• 15:39
  Speaker 6: and you can claim this. Do you like that? I
• 15:40
  Speaker 6: was like, oh my gosh, like I've been giving the
• 15:43
  Speaker 6: government so much free money for the house however long
• 15:46
  Speaker 6: because you just don't know what you don't know.
• 15:48
  Speaker 2: You can also pay.
• 15:49
  Speaker 8: Them through your tax return, so they like will pull
• 15:52
  Speaker 8: out their payment through that and then next year you
• 15:54
  Speaker 8: can claim tax accountant on tax as well as I'm.
• 15:58
  Speaker 5: Like, oh my god, yeah cool, I didn't know that.
• 16:00
  Speaker 7: And also travel to your accountant as well, petrol or
• 16:04
  Speaker 7: public transport.
• 16:05
  Speaker 6: Yeah, save the receipts, all the receipts, yeah, created receipts.
• 16:09
  Speaker 6: It's a good reminder actually to book in to see
• 16:11
  Speaker 6: if you are going to go see someone, book it
• 16:13
  Speaker 6: in now, because my I booked it the other day
• 16:14
  Speaker 6: and they were already booked out till September. So get
• 16:17
  Speaker 6: in early because everyone's trying to get that refund as
• 16:20
  Speaker 6: soon as possible.
• 16:21
  Speaker 8: Then if you're like one month late, the fine is
• 16:23
  Speaker 8: like over three hundred dollars. Yeah, it's crazy really, yeah,
• 16:27
  Speaker 8: but like every month, so I was telling me. And
• 16:29
  Speaker 8: then if you're like two months late to do your tags,
• 16:32
  Speaker 8: it's like six hundred dollars. It's like three hundred dollars
• 16:35
  Speaker 8: every twenty eight days.
• 16:36
  Speaker 4: That god.
• 16:39
  Speaker 8: Yeah.
• 16:39
  Speaker 4: Wow.
• 16:41
  Speaker 6: You get a lot longer though, if you have someone
• 16:43
  Speaker 6: doing it professionally, the time, the window for submission is
• 16:46
  Speaker 6: a lot longer individual, isn't it.
• 16:49
  Speaker 9: Yeah yeah, Whereas if you do it on your own,
• 16:50
  Speaker 9: it's until the thirty first of October.
• 16:52
  Speaker 2: Yeah.
• 16:53
  Speaker 7: So so if you like to put it off, also get.
• 16:57
  Speaker 6: Not that I'm advising that, No, this is not fun,
• 17:00
  Speaker 6: just a friendly recommendation.
• 17:02
  Speaker 4: Living is so expensive, hence why we have a broke
• 17:05
  Speaker 4: Tip segment to help you get through, to help you
• 17:08
  Speaker 4: get by. As always, we have one for myself. We
• 17:12
  Speaker 4: usually have a couple from the community. But what are
• 17:14
  Speaker 4: we going to do is I'm just going to give
• 17:16
  Speaker 4: one from the community, and you guys, if you happen
• 17:18
  Speaker 4: to have a broke tip, combined or separate, we'd love
• 17:21
  Speaker 4: to hear it. So I'll start with the one from
• 17:23
  Speaker 4: the community. The one from the community actually comes from
• 17:25
  Speaker 4: my good friend. We've both been kind of hustling. We
• 17:29
  Speaker 4: just went to Japan recently. We came back.
• 17:30
  Speaker 5: We both broke.
• 17:32
  Speaker 4: It was really really irresponsible to go to Japan. But
• 17:35
  Speaker 4: like live love laugh. They said, that's that's powerful, and
• 17:46
  Speaker 4: so basically her, you know, I think last I'm not
• 17:50
  Speaker 4: sure if you remember this, yest, but like a few
• 17:51
  Speaker 4: weeks ago I mentioned free Cash's like this dumb game
• 17:55
  Speaker 4: and app. So she's found a few more ways since then.
• 17:58
  Speaker 4: I think the most recent one is if you go
• 18:00
  Speaker 4: on eBay. I'm sure there's so many people that knows already,
• 18:03
  Speaker 4: but like if you just like suss out what is
• 18:06
  Speaker 4: trending right now, what's making good money, and just like
• 18:09
  Speaker 4: random things that you might already have in your home
• 18:11
  Speaker 4: right now. It's like I think she found a few books,
• 18:14
  Speaker 4: maybe some baby books. I can't remember exactly what ones
• 18:16
  Speaker 4: I'm so sorry for those listening and really wanting to
• 18:18
  Speaker 4: know what I'm talking about. But you can find these
• 18:20
  Speaker 4: in op shops and you can buy them for like
• 18:23
  Speaker 4: four dollars at the op shop and then sell them
• 18:25
  Speaker 4: on eBay for one hundred or several hundred dollars. So
• 18:29
  Speaker 4: if you just like suss out what's trending on eBay
• 18:31
  Speaker 4: and then go out into the world, go find them
• 18:34
  Speaker 4: on either gum Tree. Everyone forgot about gum Tree. Gum
• 18:36
  Speaker 4: Tree is still a thing, and it's for people who
• 18:38
  Speaker 4: don't know the value of things.
• 18:42
  Speaker 5: Or you know, marketplace.
• 18:43
  Speaker 4: Of course, you can go through hard rubbish, op shops,
• 18:47
  Speaker 4: all these things. Just hustle, hustle, hustle, find out what's
• 18:50
  Speaker 4: trending and then go and find it real cheap and
• 18:53
  Speaker 4: sell it on eBay.
• 18:54
  Speaker 5: eBay is so good. Anyway, when I sponsored, are we by?
• 19:00
  Speaker 6: Maybe I should look into it.
• 19:01
  Speaker 9: Just isn't that clear?
• 19:04
  Speaker 4: Just like the amount of times said Eva that lasts
• 19:06
  Speaker 4: like thirty seconds. But anyway, so that's from the community
• 19:09
  Speaker 4: aka my friend and my personal one. I'm not sure
• 19:13
  Speaker 4: if you guys heard of this, but you know, dupes
• 19:15
  Speaker 4: have been like kind of trending or recently, it's like
• 19:17
  Speaker 4: it's a big thing, like maybe you'll find like a
• 19:19
  Speaker 4: really good perfume or like a really good jacket or whatever.
• 19:22
  Speaker 9: Mc beauty of it all.
• 19:23
  Speaker 4: Yeah, so it's all this TikTok. And it was this
• 19:27
  Speaker 4: woman who was saying that it's a little bit controversial.
• 19:29
  Speaker 4: But if you're an interior designer, if you're looking for
• 19:33
  Speaker 4: maybe like really good quality furniture or things for your home,
• 19:35
  Speaker 4: if you just type.
• 19:36
  Speaker 5: In I believe the front of any ur l.
• 19:39
  Speaker 4: Let's say that you've opened up an IR lounge or
• 19:42
  Speaker 4: something like that. In front of that URL, you're right
• 19:45
  Speaker 4: dupe dot com, and it will search the internet for
• 19:50
  Speaker 4: that exact lounge cheaper versions of it. So it could
• 19:55
  Speaker 4: be like less quality. I will preface it with that.
• 19:57
  Speaker 4: It could be like the quality is not as good.
• 19:59
  Speaker 4: Maybe they're slightly the shape is slightly different, but it
• 20:03
  Speaker 4: will search the internet for you or scour the internet
• 20:05
  Speaker 4: for you to find that exact I'll try and find
• 20:08
  Speaker 4: the TikTok.
• 20:08
  Speaker 5: And maybe we can put it somewhere.
• 20:10
  Speaker 9: Yeah.
• 20:10
  Speaker 4: But yeah, in the comments, I could see people were
• 20:12
  Speaker 4: like kind of arguing, like, oh, interior designers spend a
• 20:14
  Speaker 4: lot of time and effer and things.
• 20:17
  Speaker 5: And I'm like, I totally get that.
• 20:18
  Speaker 4: Like, if you're like an artist and you've created this
• 20:21
  Speaker 4: beautiful couch and someone else's like kind of ripped it
• 20:23
  Speaker 4: off and like selling it cheaper, I totally understand that.
• 20:26
  Speaker 4: I guess it's for those people who just like literally
• 20:29
  Speaker 4: will never be able to afford a four thousand dollars
• 20:32
  Speaker 4: single seater couch, you know.
• 20:34
  Speaker 5: So give it a go.
• 20:36
  Speaker 4: But also if you can afford to support artists, local artists,
• 20:40
  Speaker 4: interior designers and these kind of people, please do. But
• 20:43
  Speaker 4: if you are like me and maybe won't be able
• 20:47
  Speaker 4: to spend four thousand dollars the same thing, then give
• 20:51
  Speaker 4: it a go. Why not?
• 20:53
  Speaker 2: Why not?
• 20:54
  Speaker 1: Do?
• 20:54
  Speaker 6: Culture is so interesting because I think I completely agree
• 20:57
  Speaker 6: there are some things like the artistic license, the ownership
• 21:00
  Speaker 6: of the IP and all that, Like, I completely agree
• 21:03
  Speaker 6: that we should be respecting those things. Yes, but sometimes
• 21:06
  Speaker 6: it's like you're paying five hundred dollars for a T
• 21:09
  Speaker 6: shirt with a logo on it or a T shirt
• 21:11
  Speaker 6: with a design during me, And so it's interesting to
• 21:14
  Speaker 6: think about I guess the markup or the value that
• 21:17
  Speaker 6: you put on something for someone's you know, creation or
• 21:21
  Speaker 6: whatever I'm trying to find a way to say this
• 21:23
  Speaker 6: delicately and not upset anybody. But there's also just a
• 21:26
  Speaker 6: markup that you pay sometimes for a big corporation being like, well,
• 21:29
  Speaker 6: what are you going to do? Like where else are
• 21:30
  Speaker 6: you going to get it?
• 21:31
  Speaker 5: Yes? So true.
• 21:32
  Speaker 8: I think shopping jups is really identifying where your value
• 21:35
  Speaker 8: sit because it is a spectrum because you know, there
• 21:38
  Speaker 8: is a cost of living crisis and people do need
• 21:40
  Speaker 8: to find affordable options, and sometimes that's just gets called
• 21:43
  Speaker 8: a jupe.
• 21:43
  Speaker 2: Yeah, like an affordable option.
• 21:45
  Speaker 8: It might not be a direct copy, it might not
• 21:47
  Speaker 8: be that, and that gets deemed a dupe because that's
• 21:50
  Speaker 8: the affordable option. We've always said that a jupe is
• 21:52
  Speaker 8: something that serves the same purpose at the same quality, yes,
• 21:56
  Speaker 8: and it's more affordable. Whereas like there's things I'm like,
• 22:00
  Speaker 8: I just wouldn't get the dupe because I bought it.
• 22:03
  Speaker 8: For example, like furniture was one of those things that
• 22:05
  Speaker 8: I went really really cheap on and it came and it.
• 22:08
  Speaker 2: Was the size of a children's couch and my dad
• 22:13
  Speaker 2: came over and he was.
• 22:13
  Speaker 9: Like, what did you do? And I was like no, no, no,
• 22:15
  Speaker 9: don't ask.
• 22:16
  Speaker 2: Question was did you measure it, and I was like,
• 22:17
  Speaker 2: look big in the photo.
• 22:20
  Speaker 8: Yeah, but it's like you can find more affordable options,
• 22:25
  Speaker 8: save purpose and have the same quality. Yes, but yeah,
• 22:28
  Speaker 8: sometimes I think when you cut corners it bites you
• 22:33
  Speaker 8: in the bum. But then sometimes when you find something
• 22:35
  Speaker 8: that's really good quality and affordable, you're like, yes, that's it.
• 22:38
  Speaker 6: I love that, like people sharing when they found something
• 22:41
  Speaker 6: that he is a really good dupe or a real alternative.
• 22:43
  Speaker 4: To something so true and also just really quickly, I
• 22:47
  Speaker 4: didn't realize that dupe was spelt this way, So I
• 22:49
  Speaker 4: just want for anyone who's listening and doesn't in my
• 22:51
  Speaker 4: mind it was j op for so long.
• 22:57
  Speaker 8: I wish it was spelled like's have a rebrand.
• 23:03
  Speaker 4: Yes seriously, but for those listening and don't know, it
• 23:07
  Speaker 4: is d u pe d u p e okayo.
• 23:11
  Speaker 2: People can here about them again.
• 23:16
  Speaker 4: Trying to So it's just for me twelve thousand searches.
• 23:20
  Speaker 4: Tube's really coming back. And now do you guys happen
• 23:24
  Speaker 4: to have any brook tips one or two or how
• 23:28
  Speaker 4: many of you want to share. I'll give a quick.
• 23:30
  Speaker 7: One and it's a shameless plug because it's end of
• 23:33
  Speaker 7: financial year, sales season and for every sale event, Alex
• 23:38
  Speaker 7: and I make a cheat sheet, which is a spreadsheet
• 23:42
  Speaker 7: with all of the sales that are happening so that
• 23:44
  Speaker 7: you can see them all and compare them all in
• 23:46
  Speaker 7: one place.
• 23:47
  Speaker 9: So definitely check that out.
• 23:49
  Speaker 7: It will be on our Instagram, check out our TikTok
• 23:52
  Speaker 7: we'll have all the links. But yeah, if you're doing
• 23:54
  Speaker 7: your end of financial year sales, check out the cheat
• 23:56
  Speaker 7: sheet so that you don't. The worst thing is when
• 23:59
  Speaker 7: you go and buy some from somewhere and you're like, yes,
• 24:01
  Speaker 7: I got a good deal, and then you say it
• 24:03
  Speaker 7: somewhere else even cheaper, and you're like, oh yy plus,
• 24:07
  Speaker 7: then you can also say and be like can I
• 24:09
  Speaker 7: price match here and do that?
• 24:13
  Speaker 6: Yeah, so good. I've seen the list. They're actually epic.
• 24:15
  Speaker 6: I can't imagine how long it takes you, So please
• 24:20
  Speaker 6: go watch the video.
• 24:23
  Speaker 4: Okay, I reckon, let's go to a really quick break
• 24:24
  Speaker 4: and on the flip side, we're going to be helping
• 24:26
  Speaker 4: to answer a juicy money dilemma, which this week is
• 24:28
  Speaker 4: all about keeping your budget in line or getting bargains
• 24:30
  Speaker 4: at the end of financial us sale. And then after
• 24:33
  Speaker 4: that we're unpacking something that you slid into our dms,
• 24:35
  Speaker 4: about which this week is all about resetting your headspace
• 24:38
  Speaker 4: after a toxic workplace and don't go anywhere.
• 24:45
  Speaker 6: Welcome back, everybody. Let's take a listen to this week's
• 24:47
  Speaker 6: money dilemma.
• 24:50
  Speaker 3: Hi, there, have you got a money dilemma you just
• 24:53
  Speaker 3: can't solve. The Chese on the Money team is here
• 24:55
  Speaker 3: to help. Every week we tackle your dilemmas, both big
• 24:59
  Speaker 3: and small, to so you're most burning money, career and
• 25:01
  Speaker 3: life questions. To get involved, simply head to our website
• 25:05
  Speaker 3: and leave us a short voice recording and you might
• 25:07
  Speaker 3: just find yourself on the show. Now, let's take a
• 25:09
  Speaker 3: listen to this week's money dilemma.
• 25:13
  Speaker 9: I need some help.
• 25:14
  Speaker 11: It's early June and I've already spent my entire budget
• 25:18
  Speaker 11: for the month on the extras and fun stuff I.
• 25:21
  Speaker 2: Set aside because it was my birthday.
• 25:24
  Speaker 11: But with all these big end of financial year sales
• 25:27
  Speaker 11: coming up, I'm a little bit stuck. I need a
• 25:30
  Speaker 11: new hair dryer and things like running shoes. But I'm
• 25:33
  Speaker 11: wondering do I prioritize getting these at a discount now
• 25:37
  Speaker 11: and going over my budget for the month, or do
• 25:40
  Speaker 11: I spend likely more money on them after the sales
• 25:44
  Speaker 11: are over but not going out of my budget. I
• 25:47
  Speaker 11: am stressing. Please help.
• 25:49
  Speaker 5: Oh that's a good question.
• 25:51
  Speaker 2: Okay, I know how you feel.
• 25:57
  Speaker 8: But I think like after doing because I was a
• 26:00
  Speaker 8: shopping journalist before sal and I did Two Broke Chicks together,
• 26:03
  Speaker 8: So I was a shopping journalist for like five years.
• 26:06
  Speaker 2: Yeah.
• 26:06
  Speaker 8: It was a great charm and so I wear like
• 26:08
  Speaker 8: so shopping focused too as well. But the one thing
• 26:11
  Speaker 8: I've learned doing that job is that there is always
• 26:14
  Speaker 8: another sale. There are so many sale events in the
• 26:17
  Speaker 8: year that I would probably say, as tempting as it
• 26:20
  Speaker 8: is to you know, get a really good.
• 26:22
  Speaker 2: Deal and the things that you're shopping.
• 26:23
  Speaker 8: For now, it will probably be two months max before
• 26:28
  Speaker 8: there's another sale that you could be shopping again that
• 26:32
  Speaker 8: I don't know if it's weather going over your budget.
• 26:35
  Speaker 2: And did she say it was her birthday?
• 26:37
  Speaker 9: Yeah, she said she blew her budget.
• 26:38
  Speaker 6: I think a little bit this month because she's just
• 26:39
  Speaker 6: had her birthday.
• 26:41
  Speaker 2: Can we make a birthday wish list? Can we get
• 26:43
  Speaker 2: a hairdry some vouchers?
• 26:46
  Speaker 8: Maybe, because I'm like, if you can get some vouchers
• 26:48
  Speaker 8: and put that towards it, then I'm like, slay that
• 26:50
  Speaker 8: doesn't count.
• 26:51
  Speaker 2: It's free money. There's always another sale.
• 26:53
  Speaker 8: It's not worth going over your budget for because there's
• 26:58
  Speaker 8: always going to be a good deal, going to be
• 27:00
  Speaker 8: a really good deal. Like we see dice in air
• 27:02
  Speaker 8: apps going on sale so much every year, like Black
• 27:05
  Speaker 8: Friday last year, they're in the four hundreds. So it's like,
• 27:08
  Speaker 8: I just don't think you need to because yeah, they're
• 27:11
  Speaker 8: pretty pretty reoccurring.
• 27:13
  Speaker 7: Yeah, especially for in her case, running shoes and hair
• 27:17
  Speaker 7: dryers like those are things that regularly go on sale
• 27:20
  Speaker 7: pretty much every sale event, whereas if it was something
• 27:23
  Speaker 7: like furniture or white goods, then I would say, okay,
• 27:26
  Speaker 7: well that's when you typically do see the better sales.
• 27:29
  Speaker 9: Around and a financial year.
• 27:31
  Speaker 7: But you'll be able to get these things on sale
• 27:35
  Speaker 7: during After Payday, which is in August, or Click Frenzy
• 27:38
  Speaker 7: again in November, or Black Friday of course in November.
• 27:42
  Speaker 9: So yeah, I.
• 27:43
  Speaker 7: Don't think it's worth blowing the budget either because another
• 27:45
  Speaker 7: opportunity will come round. But keep those particular items if
• 27:49
  Speaker 7: you really know what you want in your car, and
• 27:53
  Speaker 7: keep an eye out on when they do go on
• 27:55
  Speaker 7: sale so that when your budget does allow for it.
• 27:58
  Speaker 9: You're going to be ready to go.
• 27:59
  Speaker 5: Yes.
• 28:00
  Speaker 6: The way that these sales work is by making you
• 28:02
  Speaker 6: think that that deal is never gonna happen again, which
• 28:05
  Speaker 6: I think you guys do a lot of documenting on
• 28:07
  Speaker 6: your page of the different sales of the different sale period,
• 28:10
  Speaker 6: which I think is awesome. Like they literally it's a
• 28:12
  Speaker 6: psychology that they feed into to create this frenzied mindset,
• 28:16
  Speaker 6: which I think is so hilarious that they call it
• 28:17
  Speaker 6: click frenzy because they're kind of exposing themselves.
• 28:20
  Speaker 2: Twice a year as well.
• 28:21
  Speaker 8: I mean, I read it for filth, but like the
• 28:23
  Speaker 8: sales are pretty decent, especially towards the end of the year.
• 28:27
  Speaker 9: Oh absolutely.
• 28:28
  Speaker 8: We've done a whole thing on like impulse shopping and
• 28:30
  Speaker 8: how it'll be like twenty four hours only or not
• 28:32
  Speaker 8: to be restocked, and like these are all marketing tactics,
• 28:36
  Speaker 8: like you to click at cut and check out within
• 28:39
  Speaker 8: an hour, because if it goes over an hour, then
• 28:41
  Speaker 8: you're like, oh, do I need it? And then you're
• 28:43
  Speaker 8: like twenty four hours, you're like, oh, probably not. How
• 28:46
  Speaker 8: good is that feeling when you're like I'm glad I
• 28:48
  Speaker 8: didn't buy that thing yet?
• 28:49
  Speaker 2: About the money back in my pocket.
• 28:51
  Speaker 6: I started keeping a list of things that I wanted,
• 28:52
  Speaker 6: and I forgot about it, and I found it in
• 28:54
  Speaker 6: my notes a couple weeks ago, and I was looking
• 28:56
  Speaker 6: at just things that I wanted, you know, four months ago,
• 28:58
  Speaker 6: five months ago, So many things on the list.
• 29:01
  Speaker 2: I'm like, oh, I.
• 29:01
  Speaker 6: Don't care about that nail. Yeah, So it's crazy that
• 29:03
  Speaker 6: twenty four hour mindset, even you know, such a short
• 29:06
  Speaker 6: period can really be the circuit breakup between falling for
• 29:09
  Speaker 6: the marketing and not. The other thing I'd say is
• 29:11
  Speaker 6: reassess your definition of need. Potentially, you say you need
• 29:15
  Speaker 6: a new hair dry Is that because yours broken you
• 29:17
  Speaker 6: physically do not own one, or is it because you're
• 29:19
  Speaker 6: using the same one you had? You know when you're
• 29:21
  Speaker 6: in high school and you're like, oh, she's been ugly.
• 29:24
  Speaker 6: She doesn't do the job the best, but she does
• 29:25
  Speaker 6: do the job.
• 29:26
  Speaker 2: I'm sitting right here, me to.
• 29:30
  Speaker 6: Me because I desperately want the new Peek dice and
• 29:33
  Speaker 6: air up instead of my six year old hot pink one.
• 29:36
  Speaker 2: I have the old one too, and I still love her.
• 29:38
  Speaker 2: I'm like, she's still kicking.
• 29:39
  Speaker 8: Yeah.
• 29:40
  Speaker 2: My Facebook marketplace.
• 29:41
  Speaker 6: Yeah, I got mine, I think in a sale and
• 29:43
  Speaker 6: it was really cheap, but it's the short barrels along back.
• 29:46
  Speaker 9: But do you know what I mean?
• 29:46
  Speaker 6: Like, does it still dry my hair? Absolutely?
• 29:49
  Speaker 1: It does.
• 29:49
  Speaker 8: It's always going to be updated as well, yeah, to
• 29:52
  Speaker 8: be like, oh I need the new, Like look at
• 29:53
  Speaker 8: us with iPhones.
• 29:54
  Speaker 9: Yeah yeah, I'm literally my.
• 29:56
  Speaker 8: Dad being like, look at a buying phone.
• 29:58
  Speaker 9: I buy it every year.
• 30:01
  Speaker 2: Phones don't work.
• 30:03
  Speaker 4: Where often made so much better because no one like
• 30:07
  Speaker 4: thought about planet obsolescence when they were making old products.
• 30:09
  Speaker 9: You know what I mean?
• 30:10
  Speaker 4: Now, like an iPhone will be like it will die
• 30:12
  Speaker 4: in a year because that's what it's meant to do
• 30:14
  Speaker 4: by design, by design, damn you seriously.
• 30:23
  Speaker 5: I think that's pretty great advice.
• 30:25
  Speaker 4: And like, you know me, I wouldn't take you know,
• 30:28
  Speaker 4: this kind of advice for myself because I would be
• 30:30
  Speaker 4: like immediately, I was like, you gotta get it. You
• 30:32
  Speaker 4: got to get those bargains, babe. But you guys had
• 30:35
  Speaker 4: some really solid advice, so I would probably go with that.
• 30:38
  Speaker 4: If you're listening to this, do not listen to me.
• 30:42
  Speaker 4: Are you guys ready for a juicy money dilemma?
• 30:45
  Speaker 5: I'm kind of like shaking, I'm gagging for it, So
• 30:48
  Speaker 5: let's get into it. Here's this week's DM.
• 30:50
  Speaker 4: Hey girls, I'm on the job hunt after leaving a
• 30:53
  Speaker 4: toxic workplace and and feeling so relieved to be out
• 30:56
  Speaker 4: of there, but also needing to get something soon. But
• 30:59
  Speaker 4: I'm a bit terrifed by my headspace right now. I've
• 31:01
  Speaker 4: pretty much been in an abusive workplace for two years
• 31:04
  Speaker 4: and feel a bit broken, like after a bad breakup,
• 31:07
  Speaker 4: and I'm worried I'm not putting my best foot forward
• 31:09
  Speaker 4: because it stripped my confidence away. Any help you can
• 31:12
  Speaker 4: give to reframe and refresh my thinking would be so appreciated.
• 31:16
  Speaker 2: Oh, I just want to give.
• 31:20
  Speaker 5: Yeah, seriously. Yeah, it is a real tough one.
• 31:24
  Speaker 4: But just like an abusive relationship, I know, it's a
• 31:26
  Speaker 4: bit harder because you like, you know, obviously need money.
• 31:28
  Speaker 5: You need pay bills and things like that.
• 31:30
  Speaker 4: I totally get that, but just like an abusive relationship,
• 31:33
  Speaker 4: you do need to give yourself time to heal. It's
• 31:35
  Speaker 4: a bit of a catch sween too, because I was
• 31:36
  Speaker 4: going to like suggest therapy, but to pay for therapy
• 31:39
  Speaker 4: you need a job sort of things. So I would say,
• 31:42
  Speaker 4: just strip it all the way back down, you know,
• 31:44
  Speaker 4: try and get a job. That's really chill, really not easy.
• 31:48
  Speaker 4: At all by any means, but just like something that
• 31:50
  Speaker 4: you can just leave at the at the door, you know,
• 31:52
  Speaker 4: like maybe, for example, I love being a kitchen hand,
• 31:55
  Speaker 4: genuinely love being a dishy. So if I was in
• 31:58
  Speaker 4: this position, I'll be like, I'm just gonna get a
• 32:00
  Speaker 4: really fun dishy job. I'm going to like go to
• 32:02
  Speaker 4: like cafes and pubs and be like, what looks like
• 32:04
  Speaker 4: a good team, these guys look cool. I might just
• 32:06
  Speaker 4: like see if they have a dishy job available. You
• 32:08
  Speaker 4: can just like go in. You don't have to think
• 32:10
  Speaker 4: about anything. You have some fun, and you leave like
• 32:12
  Speaker 4: something that's so easy. Don't jump straight back into something
• 32:15
  Speaker 4: that's high stress, potentially high stress, potentially toxic. Again, just
• 32:20
  Speaker 4: take your time, just try and find something to bring
• 32:22
  Speaker 4: money in, maybe go to therapy if you can afford it,
• 32:25
  Speaker 4: and let yourself heal, Let yourself he really take it
• 32:28
  Speaker 4: as though it's an abusive relationship that you just got
• 32:31
  Speaker 4: out of and you must heal before going back into
• 32:33
  Speaker 4: a new one.
• 32:33
  Speaker 8: You know.
• 32:34
  Speaker 9: Yeah, one of my friends actually did that.
• 32:36
  Speaker 7: She was in like a really intense industry for probably
• 32:40
  Speaker 7: ten years, like ever since we left High Score.
• 32:42
  Speaker 9: And then a.
• 32:43
  Speaker 7: Series of unfortunate events happened to her as well, and
• 32:46
  Speaker 7: she was like, I'm quitting this job.
• 32:48
  Speaker 6: And then she was lucky enough that she was able to, you.
• 32:51
  Speaker 7: Know, move back to our hometown and live with her
• 32:54
  Speaker 7: family to take some of that financial pressure off, which
• 32:57
  Speaker 7: I know everybody doesn't have the opportunity to do. But
• 33:00
  Speaker 7: she went and worked in a bar for a few months,
• 33:03
  Speaker 7: and she said it was the best thing that she
• 33:05
  Speaker 7: ever did because it gave her, you know, a little
• 33:08
  Speaker 7: bit of money to fall back on and continue to save,
• 33:11
  Speaker 7: so she wasn't just digging into her savings, which would
• 33:13
  Speaker 7: have been stressful. But also it was just a completely
• 33:17
  Speaker 7: different workplace and headspace to what she'd been in previously,
• 33:20
  Speaker 7: and she was actually able to switch off when she
• 33:23
  Speaker 7: left work, which she could never do before. And then
• 33:26
  Speaker 7: she also used some of that money to put towards
• 33:29
  Speaker 7: therapy as well, which I think really helped her and
• 33:32
  Speaker 7: helped build her confidence back up again. But I think
• 33:35
  Speaker 7: it's a good reminder as well that if this person
• 33:38
  Speaker 7: decides that they don't want to take, you know, maybe
• 33:40
  Speaker 7: a career break, and they want to continue in the
• 33:42
  Speaker 7: industry that they're in. When you're going into interviews, remember
• 33:46
  Speaker 7: that the people that are interviewing you want you to
• 33:50
  Speaker 7: succeed because they want to fill this position and they
• 33:53
  Speaker 7: want you to be great. They're not waiting for you
• 33:56
  Speaker 7: to come in and be like, all right, what's her baggage?
• 33:59
  Speaker 7: Like you know, so what's she going to do to
• 34:01
  Speaker 7: stuff up? Or they're not waiting for you to make mistakes.
• 34:05
  Speaker 7: They want you to do well. And I think if
• 34:08
  Speaker 7: you go into it with that mindset like, oh, they
• 34:11
  Speaker 7: don't know about all of this stuff that I've been through,
• 34:13
  Speaker 7: They don't know about perhaps these confidence issues that I have.
• 34:17
  Speaker 9: They just see all of the great things.
• 34:19
  Speaker 7: That I've got on my resume and in my coverletta,
• 34:22
  Speaker 7: and that's what they see me for.
• 34:23
  Speaker 9: Because I think sometimes you go in.
• 34:25
  Speaker 7: And they're like, Okay, they're going to know that I'm
• 34:27
  Speaker 7: a fraud, or they're going to know that I'm not confident,
• 34:29
  Speaker 7: but they don't know that.
• 34:30
  Speaker 2: No.
• 34:31
  Speaker 8: Also reminding yourself that when someone's pushing confidence issues on you,
• 34:35
  Speaker 8: that's often a reflection of them, Like this toxic workplace,
• 34:38
  Speaker 8: which sounds horrible, was probably reflecting themselves inwardly, like everyone
• 34:44
  Speaker 8: deals with imposter syndrome and confidence issues, and remembering that
• 34:48
  Speaker 8: it was their issue, not yours. Can sometimes be the
• 34:51
  Speaker 8: thing that can push you to do the thing that
• 34:53
  Speaker 8: you're nervous about doing.
• 34:55
  Speaker 2: It's so okay to be nervous.
• 34:56
  Speaker 8: It's so okay to you know, want to just like
• 34:59
  Speaker 8: curl up on the couch to watch bridget Ten because same,
• 35:02
  Speaker 8: but it's you're gonna hold yourself back for too long
• 35:05
  Speaker 8: if you're not doing the thing that's scary because you
• 35:08
  Speaker 8: know it's the same as like if you go through
• 35:10
  Speaker 8: a bad breakup and then you're getting back into dating,
• 35:13
  Speaker 8: that's gonna be scary. If you go through a bad
• 35:15
  Speaker 8: workplace and getting back into a workplace, that's going to
• 35:17
  Speaker 8: be scary. But if you don't give yourself the opportunity,
• 35:20
  Speaker 8: you'll never find the thing that's good too, if you're
• 35:23
  Speaker 8: scared that everything's going to be bad. So I think
• 35:26
  Speaker 8: definitely what you said is like people want you to succeed.
• 35:29
  Speaker 8: Like whenever Sale and I are nervous about something, people
• 35:31
  Speaker 8: want to see you win.
• 35:32
  Speaker 2: They don't want to see you fall on your face.
• 35:34
  Speaker 8: So remembering that and just remembering that it's okay to
• 35:37
  Speaker 8: be nervous, and sometimes writing down a list of things
• 35:40
  Speaker 8: you can control and things you can't control. Is really helpful,
• 35:44
  Speaker 8: especially if you're going to go into an interview as well.
• 35:46
  Speaker 8: That can really help with nerves.
• 35:47
  Speaker 6: Yeah, I think as well. Have you guys seen that graph?
• 35:51
  Speaker 6: It shows the way that the people you interact with
• 35:54
  Speaker 6: the amount of time that you spend with them, the
• 35:56
  Speaker 6: influence that they have on you and your perception of things.
• 35:58
  Speaker 6: And as time goes on, we you know, at our
• 36:01
  Speaker 6: midpoint of our lives where I think a lot of
• 36:03
  Speaker 6: our community kind of sit. We spend so much time
• 36:05
  Speaker 6: with our co workers and potentially like less at the
• 36:08
  Speaker 6: time with our friends, and so we really become a reflection.
• 36:12
  Speaker 6: We internalize and take on a lot of those things
• 36:14
  Speaker 6: from the people around us. And I know a big
• 36:17
  Speaker 6: part of your new book is about finding like the
• 36:19
  Speaker 6: right people to surround yourselves with, and obviously you're talking
• 36:22
  Speaker 6: about friendship, but I think that is very applicable to
• 36:25
  Speaker 6: a workplace as well, and finding the right fit for you.
• 36:29
  Speaker 6: And as someone who has worked many a job and
• 36:31
  Speaker 6: has lived quite a few career lives before I kind
• 36:33
  Speaker 6: of found my footing, it is okay to go into somewhere,
• 36:38
  Speaker 6: assess it, settle in, and decide that it's not right
• 36:41
  Speaker 6: for you, Like I think there is a bit of
• 36:43
  Speaker 6: a mindset that you need to find exactly the right
• 36:45
  Speaker 6: thing and you have to be there for ten years
• 36:47
  Speaker 6: and you have to do if you get there and
• 36:50
  Speaker 6: by you know, three or six months and you go,
• 36:52
  Speaker 6: the vibe is not the vibe. You can leave and
• 36:55
  Speaker 6: that is okay, and that's not going to be held
• 36:57
  Speaker 6: against you. And I think that they're so much value
• 37:01
  Speaker 6: in finding not only a career that you find fulfilling
• 37:04
  Speaker 6: in a job that you actually like doing, but also
• 37:06
  Speaker 6: just a group of people because you spend so much
• 37:09
  Speaker 6: time with them and it's really important that you can
• 37:13
  Speaker 6: feel like you have a relationship with them and that
• 37:15
  Speaker 6: a bit you know, a friendship on some level because
• 37:17
  Speaker 6: you're spending that much time together, that how they make
• 37:21
  Speaker 6: you feel will have a direct impact on your self worth.
• 37:24
  Speaker 6: It will have a direct impact on your day to
• 37:26
  Speaker 6: day happiness.
• 37:27
  Speaker 2: Thousand per cent.
• 37:28
  Speaker 8: We do actually talk about this in the book and
• 37:30
  Speaker 8: how you can find your people in the workplace, because
• 37:32
  Speaker 8: that's how Sala and I met.
• 37:33
  Speaker 2: Yeah, we met through working together.
• 37:35
  Speaker 8: And I think as well, especially if you're working at
• 37:38
  Speaker 8: a big team, there's always going to be people you
• 37:39
  Speaker 8: don't like oh completely, that's just going to happen. But
• 37:41
  Speaker 8: if you do have your people, then you do have
• 37:43
  Speaker 8: your friends there or people that you can rely on.
• 37:46
  Speaker 8: It means that at the end of the day you
• 37:47
  Speaker 8: can like go bitch about the fucking water cooler or
• 37:50
  Speaker 8: whatever you want to do and just be like, Okay,
• 37:53
  Speaker 8: that wasn't the best, but at least I've got this
• 37:55
  Speaker 8: to fall back.
• 37:56
  Speaker 2: On, and they can kind of lift you up and
• 37:58
  Speaker 2: you can lean on them when you need it.
• 37:59
  Speaker 9: Yeah.
• 38:00
  Speaker 2: Yeah, I just won't give them a heart.
• 38:03
  Speaker 6: Ultimately, it's not about you, Like I just can't say enough.
• 38:06
  Speaker 6: It is not your fault. It is a failure in management.
• 38:10
  Speaker 2: Of managers, and it does do that.
• 38:12
  Speaker 8: Like I went to therapy due to a manager, so
• 38:16
  Speaker 8: I can really understand how she felt and the work
• 38:20
  Speaker 8: actually sent me to the therapy because this is your fault, like.
• 38:26
  Speaker 2: Eap come through king.
• 38:29
  Speaker 6: Yeah, but also just time, yeah, time, give yourself space.
• 38:33
  Speaker 6: What did everybody else kind of think about the situation?
• 38:35
  Speaker 5: Okay, so this is what everyone else had to say?
• 38:38
  Speaker 4: One person said, report bad bosses, report income theft, report
• 38:41
  Speaker 4: it all. Yes, queen, get it, which is good because
• 38:44
  Speaker 4: like that means the next person won't have the same journey.
• 38:47
  Speaker 6: Fair work covers that kind of stuff too, just for
• 38:50
  Speaker 6: anyone wondering. I know when we think about fair work,
• 38:52
  Speaker 6: a lot of the time we think about like, yeah,
• 38:54
  Speaker 6: not being paid correctly, super not being done. Fair work
• 38:57
  Speaker 6: is actually there to ensure that there is a safe
• 39:00
  Speaker 6: environment for you, and that includes mental health and mental stability.
• 39:03
  Speaker 6: And so if you have a HR, I think HR
• 39:06
  Speaker 6: is probably a better and closer first step. But if
• 39:08
  Speaker 6: you work for maybe a smaller business or something like that,
• 39:11
  Speaker 6: fair work does exist to help make sure that you
• 39:13
  Speaker 6: as an employee are looked after. True, and so that's
• 39:15
  Speaker 6: someway that you can report to you.
• 39:17
  Speaker 5: Yeah, good call.
• 39:18
  Speaker 4: The next one says it can be a good lesson
• 39:20
  Speaker 4: on how to not behave if you move into leadership
• 39:23
  Speaker 4: slash people facing roles, which I think is a really
• 39:25
  Speaker 4: good point obviously, Like I'm sure this person's probably know
• 39:28
  Speaker 4: healing right now, so he isn't thinking about that, But
• 39:31
  Speaker 4: it is really good to just like keep under your belt,
• 39:34
  Speaker 4: keep in your pocket for if you exactly want not
• 39:37
  Speaker 4: to do how to not treat someone. I think we
• 39:39
  Speaker 4: do like if we find ourselves in a leadership role someday,
• 39:43
  Speaker 4: it is good to go through these experiences because.
• 39:44
  Speaker 5: Like, Okay, I know that I will not be like this.
• 39:48
  Speaker 4: Another person said, remind yourself of who you were before
• 39:52
  Speaker 4: the crap job.
• 39:53
  Speaker 8: You're still that person. That's really sweet, And it's not
• 39:55
  Speaker 8: a good reminder that you aren't your job. No, you
• 39:58
  Speaker 8: have other things that you like about yourself. Your entire
• 40:01
  Speaker 8: success does not rely on your workplace.
• 40:03
  Speaker 4: With your career, yeah, someone else said, and this is
• 40:05
  Speaker 4: not really advice, but it is so true. We spend
• 40:07
  Speaker 4: so much time at work. It's not healthy to be
• 40:09
  Speaker 4: so exposed toxic energy. That's so true. Someone else said,
• 40:13
  Speaker 4: it is always worth it to leave and don't put
• 40:15
  Speaker 4: pressure on yourself to get over it quickly.
• 40:18
  Speaker 5: That is so true.
• 40:19
  Speaker 4: And because exactly as this person said, exactly as I
• 40:21
  Speaker 4: was saying before, Like it literally is an abusive situation,
• 40:24
  Speaker 4: abusive toxic workplace that you must heal from, So give
• 40:27
  Speaker 4: yourself time. So I think this is a really good
• 40:29
  Speaker 4: one to leave it on. It is so hard to
• 40:31
  Speaker 4: spot bad culture. But don't feel bad about job hopping
• 40:34
  Speaker 4: until you find your people.
• 40:36
  Speaker 5: So true, beautiful, I think that's so true.
• 40:43
  Speaker 4: I think just yeah, job hop find your people, heal,
• 40:46
  Speaker 4: take your time, do whatever you gotta do, just make
• 40:48
  Speaker 4: sure you remember who you were before.
• 40:50
  Speaker 6: You started and who you want to be, like you
• 40:52
  Speaker 6: want to still change, you can still adapt and shift
• 40:55
  Speaker 6: like yes.
• 40:56
  Speaker 4: Life is so long, despite what people say, life long.
• 40:58
  Speaker 4: You can change, you can shape shift whatever you want
• 41:01
  Speaker 4: to do.
• 41:02
  Speaker 6: And speaking of finding your people, guys, thank you so
• 41:05
  Speaker 6: much for joining us. Do you want to tell everyone
• 41:07
  Speaker 6: a little bit about the book and where they can
• 41:09
  Speaker 6: find it and what it is?
• 41:10
  Speaker 8: Of course, So like we said before, this is kind
• 41:13
  Speaker 8: of like our little friendship baby. So we have been
• 41:16
  Speaker 8: doing two Broach Chicks for you know, the last two
• 41:18
  Speaker 8: years and probably the most common question we get is
• 41:20
  Speaker 8: how do I make friends as an adult? And according
• 41:23
  Speaker 8: to a State of the Nation report in twenty twenty three,
• 41:25
  Speaker 8: one in three Australians feel lonely some or at all times,
• 41:28
  Speaker 8: which is just wild and huge because we don't.
• 41:31
  Speaker 2: Talk about it.
• 41:31
  Speaker 8: We don't talk about how hard it is to make
• 41:33
  Speaker 8: friends because it is a little bit you know, overwhelming,
• 41:36
  Speaker 8: and we might find it embarrassing and that's okay. So
• 41:38
  Speaker 8: we kind of wrote this book to be like a
• 41:40
  Speaker 8: bit of a best friend to people to help them
• 41:43
  Speaker 8: find friendship within themselves. Cut off toxic relationships and also
• 41:48
  Speaker 8: to find their people.
• 41:50
  Speaker 9: And you can shop at wherever all good books are sold.
• 41:53
  Speaker 7: So you know all the usuals booked Opia, demn Mix, Kmart,
• 41:57
  Speaker 7: big w. We also did an audio book That's your
• 42:00
  Speaker 7: thing too, so that's available on Spotify Audible.
• 42:04
  Speaker 9: Just give it a Google and you'll find it.
• 42:06
  Speaker 6: Amazing and we might remember but obviously give a plug
• 42:09
  Speaker 6: for your socials just in case anyone miss the last episode.
• 42:11
  Speaker 9: Oh yes, of course.
• 42:13
  Speaker 7: So you can follow us on Instagram at two Broke Chicks,
• 42:16
  Speaker 7: on TikTok at two Broke Chicks Underscore, and check out
• 42:20
  Speaker 7: our podcast two bread Chicks.
• 42:22
  Speaker 9: You made it nice and easy for a.
• 42:25
  Speaker 5: Thank you guys so much.
• 42:26
  Speaker 4: It has been such a pleasure and please come back
• 42:28
  Speaker 4: again anytime.
• 42:31
  Speaker 2: So it's been so nice doing it in person this time.
• 42:34
  Speaker 6: Yes, so much better, isn't that when you can just feel?
• 42:41
  Speaker 4: And that also means that we can all now go
• 42:43
  Speaker 4: get a coffee. Okay, guys, Victoria will see you bright
• 42:46
  Speaker 4: and early Monday morning. Until then, have a great weekend.
• 42:49
  Speaker 6: By guys, bye bye.
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