Latest / She's On The Money / Is Your Inner Broke Girl Blocking Your Financial Glow-Up?

Transcript

Is Your Inner Broke Girl Blocking Your Financial Glow-Up? · She's On The Money

0:00
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
0:04
Speaker 1: the Order Kerni Whaltbury 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.
0:57
Speaker 2: Hello, and welcome to She's on the Money the podcast.
1:00
Speaker 2: Next personal finance fun, especially on a Friday. It's our
1:04
Speaker 2: favorite day of the week because we get to celebrate you, guys,
1:07
Speaker 2: our incredible She's on the Money community. Miss Jess Gricie's
1:10
Speaker 2: going to be sharing our favorite money wins. Miss Becksi
1:13
Speaker 2: Ed has a number of good broke tips and we're
1:15
Speaker 2: going to be helping to answer a money dilemma, which
1:17
Speaker 2: is this week all about building a healthy relationship with
1:20
Speaker 2: money and something that you slid into our dms about
1:23
Speaker 2: whether you should be tipping at restaurants or is that
1:26
Speaker 2: in Australia just performative generosity. Oh, I think it's an
1:30
Speaker 2: interesting concept in a cost of living crisis.
1:33
Speaker 4: Definitely.
1:34
Speaker 2: Anyway, before we get there, guys, how have your week's been.
1:38
Speaker 5: My week's been good, nothing too exciting to report, to
1:42
Speaker 5: be honest, just bubbing a lot.
1:43
Speaker 2: The fourth of July? Do you celebrate the fourth of July?
1:46
Speaker 2: Any type of celebration is just coded.
1:48
Speaker 5: Fourth of July is like American Independence Days. That's a
1:51
Speaker 5: stretch even for me.
1:52
Speaker 2: Yeah, okay, so but we will embrace like Halloween and Thanksgiving.
1:56
Speaker 5: Yes, yeah, even Thanksgiving arguably is a stretch. But independency.
1:59
Speaker 2: We don't friends.
2:00
Speaker 4: I see, we do friends.
2:01
Speaker 2: We do friends giving, and it would be rude not to.
2:05
Speaker 2: I feel like it's been a while since we've had
2:06
Speaker 2: a proper friends giving. We need banana pudding, we need
2:10
Speaker 2: pump can park, we need your turkey, like we need to.
2:13
Speaker 2: Let's organize that, all right, we'll get it in the
2:15
Speaker 2: calendar soon.
2:16
Speaker 4: Yeah, I think that sounds lovely. How's your weekend? Lovely week?
2:21
Speaker 4: As you guys know, tax time my favorite time of year.
2:24
Speaker 4: And you're like, I can put my tax returning. Yes, sir,
2:27
Speaker 4: I don't know how much I'm getting back yet, but
2:28
Speaker 4: I'm so excited i can barely focus on anything else.
2:31
Speaker 4: I'm really excited.
2:32
Speaker 2: I'm I've got to tell you.
2:33
Speaker 4: Guys, I am now like nine weeks into a very
2:38
Speaker 4: It's not like very intensive, but it's like it's this
2:41
Speaker 4: strength training thing that, okay, going, are you really strong?
2:43
Speaker 2: I think I feel a lot stronger. You've got a
2:45
Speaker 2: sleeper body under there.
2:47
Speaker 4: Yeah, I really would. That's what I want. That's what
2:49
Speaker 4: I want. I want people to be like, oh, you
2:51
Speaker 4: don't look jacked, and then I yeah, they call out
2:54
Speaker 4: these these guns. So I'm feeling I'm honestly feeling really good,
2:57
Speaker 4: like I've never stuck to anything this long.
2:59
Speaker 2: And us I'm impressed with you.
3:03
Speaker 4: Thank you, thank you guys.
3:04
Speaker 2: So yeah, great, great, great, great, great week. How do
3:06
Speaker 2: you be BEENVD It's been really good. It's been actually
3:09
Speaker 2: really busy. You probably haven't seen me in the office
3:12
Speaker 2: recently because I have been in Sydney and I've been
3:14
Speaker 2: doing a lot of work for Amazon, which has honestly
3:17
Speaker 2: been a little bit of a flex because I've gotten
3:18
Speaker 2: to go on TV and stuff. But I'm so excited
3:21
Speaker 2: about it. I was talking to them about you, Jess.
3:23
Speaker 2: You came up in conversation literally a few times because
3:26
Speaker 2: we were talking about how most people who go and
3:30
Speaker 2: shop the Amazon Prime sale they actually wait until like
3:33
Speaker 2: midnight to get the best deals. And they were like, oh,
3:36
Speaker 2: you probably don't know this, V but like, did you know?
3:38
Speaker 2: And I was like, oh, no, I know, miss Jessica
3:41
Speaker 2: Ricci is on my team, and you have been known
3:43
Speaker 2: to wait till midnight to get the best Prime deals.
3:46
Speaker 4: I do love a Prime nay, truly right.
3:48
Speaker 2: And I was like, no, no, no, I know this
3:50
Speaker 2: and I've known this for years. Queens Anyway, I have
3:53
Speaker 2: been loving this whole Prime conversation because Prime Day has
3:58
Speaker 2: actually been extended so this year they've decided instead of
4:01
Speaker 2: just like one day, Jess You're probably gonna love this
4:03
Speaker 2: as well, they are actually doing seven days of deals.
4:06
Speaker 2: And the reason they're doing this is to really extend
4:09
Speaker 2: out our ability to make decisions. We know we're in
4:12
Speaker 2: the middle of a cost of living crisis, and I
4:14
Speaker 2: think sometimes having so much pressure on ourselves to go,
4:17
Speaker 2: oh my gosh, a deal we need to get in,
4:19
Speaker 2: we need to get in Prime Day is now running
4:21
Speaker 2: from the eighth to the fourteenth of July, which means
4:24
Speaker 2: we can actually make really considered purchases, Like we can
4:27
Speaker 2: fill up our carts, see what the total is. We
4:29
Speaker 2: don't have to click check out or you can do
4:31
Speaker 2: what I've done, and I've like pre filled my cart
4:33
Speaker 2: and I'm literally just waiting until Prime Day comes because
4:36
Speaker 2: i know my cart's going to discount and then I'm
4:37
Speaker 2: going to hit check out. But I've been able to
4:39
Speaker 2: kind of create a wish list or create my shopping list,
4:42
Speaker 2: and it's like sorry, Jess, but not full of all
4:45
Speaker 2: of the fun stuff that you might be looking at.
4:49
Speaker 2: I've got Omo tablets, I've got nappies, I've got all
4:52
Speaker 2: of the stuff that I know I want to stock
4:54
Speaker 2: up on and kind of like maybe hoard a little,
4:56
Speaker 2: like get a few in the bank so that I
4:59
Speaker 2: get a really good deal on them. But I know
5:00
Speaker 2: that Prime Day is going to be the perfect time
5:03
Speaker 2: to make the most of it.
5:04
Speaker 4: And you don't even have to carry it home because
5:06
Speaker 4: I have truly.
5:06
Speaker 2: To my door like that's the best you'll ever and
5:09
Speaker 2: because I'm a prime buf free shipping, we love that
5:12
Speaker 2: money win. But you know what is impressive Favesta reviews.
5:16
Speaker 2: Would you like one?
5:17
Speaker 4: Yes, Pea.
5:18
Speaker 2: This one is from Mushi. I've been following you guys
5:22
Speaker 2: for maybe two years now. I always watch out for
5:24
Speaker 2: new episodes, watching the old one while I wait. I'm
5:27
Speaker 2: a single mum of three for five years now. Your
5:30
Speaker 2: podcasts have helped me in so many ways. I work
5:33
Speaker 2: three days study in between whilst also running my side
5:36
Speaker 2: hustle business reselling, smashing my goals. After one of your
5:40
Speaker 2: podcasts this week, I emailed my boss for a pay
5:42
Speaker 2: rise and instantly got four dollars more per hour. I
5:48
Speaker 2: love you guys and all that you do having to
5:52
Speaker 2: do the confrontational like hey, I was just thinking you
5:54
Speaker 2: just emailed and got some more money, So good for you.
5:59
Speaker 2: I love that and thank you so good. All right, Jess,
6:02
Speaker 2: tell me what is the community doing? What are some
6:04
Speaker 2: money wins and confessions that you're going to share this week?
6:06
Speaker 4: All right?
6:07
Speaker 5: Firstly, this week I have one from Carli who said
6:09
Speaker 5: she thought her coffee machine was broken. I was seven
6:12
Speaker 5: years old and it wouldn't blend the coffee through anymore.
6:14
Speaker 5: Then she figured out that apparently needs to clean the
6:16
Speaker 5: filter thing.
6:17
Speaker 2: She'd cried because she.
6:18
Speaker 5: Thought it was broken. Then she gave it a good
6:20
Speaker 5: old clean out and it still works. She's still got
6:22
Speaker 5: life seven years later. I have that happened with my dryer.
6:25
Speaker 5: I was like, the dryer is not drying. Turns out.
6:27
Speaker 2: I just you need to empty the condense.
6:28
Speaker 4: Huh.
6:29
Speaker 5: I don't know what it was, but I need to
6:30
Speaker 5: empty something. Cleaning things people is the moral of the story. Next,
6:35
Speaker 5: I've got a money win from Lauren, who said money win.
6:38
Speaker 5: She got three macas apple pies completely for free using
6:42
Speaker 5: kischen from the my mac Is app. She said she
6:44
Speaker 5: had to go into the store to get them and
6:46
Speaker 5: order them in three separate transactions because you can't add
6:49
Speaker 5: more than one item using points per order.
6:52
Speaker 4: But she said a win is a win. Her and
6:53
Speaker 4: the kids enjoyed the little free.
6:56
Speaker 2: I feel like an apple pie from McDonald's is slept
6:59
Speaker 2: on so good. I don't think we all have that
7:02
Speaker 2: experience of biting into one when you shouldn't have been
7:05
Speaker 2: into it because it was too fresh, and getting that
7:07
Speaker 2: sticky stuff on the top of your mouth.
7:08
Speaker 4: In a pig and then a soft serve and you.
7:11
Speaker 2: Crushed them together. After this absolutely.
7:16
Speaker 5: Next, I've got a money win from Catherine, who said
7:18
Speaker 5: money win. My usual quarterly gas bill is around one
7:20
Speaker 5: hundred and forty dollars. Last week she got a bill
7:23
Speaker 5: for a whopping four hundred and fifty seven. She did
7:26
Speaker 5: some investigating and discovered that they misread her meter. I
7:29
Speaker 5: mean that's a good deal issued her a new bill
7:32
Speaker 5: for one hundred and thirty seven dollars instead. Catherine then
7:35
Speaker 5: said not good enough. She asked them for a credit
7:37
Speaker 5: for the inconvenience, and they gave her forty bucks off her.
7:40
Speaker 2: Next bile, that's so sorry. I able to do your
7:44
Speaker 2: homework for you. What are you paying me?
7:46
Speaker 4: It is actually iconic.
7:48
Speaker 2: That is so iconic.
7:50
Speaker 4: FI that went away everybody.
7:51
Speaker 2: Yes, anytime you're inconvenienced, it's paid to play, baby definitely.
7:56
Speaker 4: Next, I've got a money win from Alessia, who said
7:58
Speaker 4: money win. Our sad.
8:00
Speaker 5: Some TV stopped working and I started freaking out because
8:03
Speaker 5: I didn't take out the extra warranty and they had
8:06
Speaker 5: just ticked over the.
8:07
Speaker 2: Twelve dons always the way though.
8:09
Speaker 4: She said.
8:09
Speaker 5: She went into store to ask if they could recommend
8:11
Speaker 5: a local repair person, which they did, and the guy
8:14
Speaker 5: turned out to be a legend because he let her
8:16
Speaker 5: know all about consumer guarantees and the a triple C.
8:20
Speaker 5: He recommended that he called the company, gave them a
8:22
Speaker 5: script to follow, and Samsung booked free repairs for them,
8:25
Speaker 5: which ended up being with the same guy.
8:27
Speaker 4: The TV's fixed. It didn't cost them ascent.
8:30
Speaker 5: This is my reminder when shops try to say, hey,
8:32
Speaker 5: your warranties only for twelve months, do you want to
8:34
Speaker 5: buy an extra warranty for another twelve months for one hundred
8:37
Speaker 5: dollars scam? You are covered by a triple C. If
8:40
Speaker 5: you don't look it up. It's the Australian Consumer Something
8:43
Speaker 5: Something Consumer Affairs website. If you spend a lot of
8:46
Speaker 5: money on something, it's basically like the expectation how long
8:50
Speaker 5: it would last is relative to how much you spent.
8:53
Speaker 5: So even if the company says, oh, one year warranty,
8:55
Speaker 5: they're lying like you can actually like, if you spent
8:58
Speaker 5: three thousand dollars a TV, it's a reasonable to expect.
9:00
Speaker 2: It to spend in three thousand dollars on TV's.
9:02
Speaker 5: TV's a I really want to frame and they are
9:05
Speaker 5: very exceens your warranties.
9:07
Speaker 4: People don't fall for it.
9:09
Speaker 2: I agree, I aggress. She says it's a scam.
9:12
Speaker 4: Yeah, but I trust that. Yeah, coming from you and.
9:15
Speaker 2: I anything, jess says, I must be gospel and the repair.
9:19
Speaker 4: That sounds so lovely. Like you could have said, oh,
9:21
Speaker 4: give me the money, but he said no, no, let
9:22
Speaker 4: me help you, which is really appreciate. What a king.
9:25
Speaker 2: He's a girl's girl.
9:27
Speaker 4: Here's a girl's girl.
9:29
Speaker 5: And then lastly, this week, I have a money win
9:31
Speaker 5: from Jessica great name, who said money win. I got
9:34
Speaker 5: a nine hundred dollars retention bonus in my pay that
9:36
Speaker 5: I had no idea I was getting.
9:37
Speaker 4: Oh that's so little treat.
9:40
Speaker 2: That mean they're just paying you to stay with the company.
9:44
Speaker 2: They're like, oh, you stayed with us for twelve months
9:47
Speaker 2: or whatever, so they give you a bonus. But I'd
9:50
Speaker 2: still find a new job. Nine hundred dollars, Yes, money win,
9:53
Speaker 2: but like I can't be bought for that amount. Sorry, Jess,
10:00
Speaker 2: I could be brought for.
10:04
Speaker 4: Lackey win.
10:06
Speaker 2: I've got to go back to doing some business financial
10:10
Speaker 2: court if you got when it comes to broke tips.
10:12
Speaker 4: So these ones I got from the thread on the
10:14
Speaker 4: Shoes on the Money Facebook group. This first one comes
10:16
Speaker 4: from Riss, who says, if she gets bored she walks
10:19
Speaker 4: the dog and goes and finds cans see if she
10:21
Speaker 4: can budget and beat it each time, which I think
10:24
Speaker 4: it's a great idea. So it's two things. It's getting
10:26
Speaker 4: your walk and it's getting his steps up pot girl
10:28
Speaker 4: walk and also finding cans, which I know I have
10:30
Speaker 4: mentioned before as a broke tip, finding cans, seeking them
10:33
Speaker 4: to that little dispenser thing.
10:34
Speaker 2: So you get cash for it, and you get cash
10:36
Speaker 2: for it, cash for cans, cash for cans.
10:37
Speaker 4: But this is the other thing, is that, like I
10:39
Speaker 4: think I mentioned ages ago about going on like color walks,
10:42
Speaker 4: which she's like, I'm going to look out for everything
10:44
Speaker 4: that is red and it keeps you mindful. Now, what
10:47
Speaker 4: we're going to do is go and look for canned
10:50
Speaker 4: bottles and cans. I don't know if it's legal.
10:52
Speaker 2: Or not, but I'm sure if you're picking up No.
10:56
Speaker 4: Not that part, sorry, because I was gonna say it's
10:58
Speaker 4: illegal or not, but like maybe even look at in Bin's.
11:01
Speaker 2: Is that illegal? I don't think you're meant to.
11:05
Speaker 4: Okay, okay, okay.
11:06
Speaker 5: But that if you get them off the ground. I
11:08
Speaker 5: think there's always ones around like trade that.
11:10
Speaker 2: Because people, yes, yeah, and train stations. This is what
11:14
Speaker 2: you could do just taking Just go get a really
11:17
Speaker 2: big cardboard box and market can donations. Put it at
11:21
Speaker 2: the train station. People put all their stuff in it
11:23
Speaker 2: and you just go get it once a week. Dream
11:26
Speaker 2: good and some of the business. Lady, if it.
11:30
Speaker 4: Is taken by someone, probably is someone in need. So
11:34
Speaker 4: I think it's also doing something really good for the community.
11:37
Speaker 4: Great victorious can donation system. I love it.
11:40
Speaker 5: I love it.
11:40
Speaker 2: To work on that. Okay.
11:42
Speaker 4: The next one comes from Steph who says, check what
11:44
Speaker 4: incentives your local council offers. We are doing some landscaping.
11:47
Speaker 4: We were able to get fifty plus plants mulch, soil conditioner,
11:51
Speaker 4: et cetera for free from the council as part of
11:54
Speaker 4: their Verge program as a free tree to plant in
11:58
Speaker 4: our private property. There are the scounts and freebies offered
12:01
Speaker 4: to guarding is just on our mind currently.
12:04
Speaker 2: I love which I think is so good.
12:06
Speaker 5: Can I add to that, please check your local council
12:09
Speaker 5: for free courses because I've just signed up for a
12:11
Speaker 5: ten weeks so in course and it cost me fifty
12:14
Speaker 5: It was a week ten weeks, like thirty hours of
12:16
Speaker 5: that learning.
12:17
Speaker 2: So cool.
12:18
Speaker 5: Fifty and that includes my materials and you just whoa
12:21
Speaker 5: what Yeah, and you just know that there is some
12:25
Speaker 5: sweet old lady who's going to run that for you.
12:27
Speaker 2: It's going to be like n is teaching. So excited.
12:30
Speaker 5: I think it'll be lovely. They do all they do
12:31
Speaker 5: different levels for the swing. They do cake decorating that
12:34
Speaker 5: I want.
12:35
Speaker 4: To do next.
12:36
Speaker 5: There was heaps of courses at my log so check
12:38
Speaker 5: your count in your area.
12:40
Speaker 4: Absolutely, that's so cutely, your friend, you can come with.
12:43
Speaker 2: Me, my god, yes, just as housepeak exactly.
12:49
Speaker 4: That is so cute. Yes, okay, my one. This sounds familiar,
12:53
Speaker 4: so it stop me if I've said.
12:54
Speaker 2: This before, but I had to ask her. I have
12:57
Speaker 2: so ubery love.
12:59
Speaker 3: Yes.
13:00
Speaker 4: I know that if you're broke, you probably won't be
13:02
Speaker 4: ordering uber Eats, but I have spent my last money
13:05
Speaker 4: on uberes before, and I think, treat yourself, you know
13:07
Speaker 4: what I mean, Like it's tiring being broke.
13:09
Speaker 2: When uberats comes sometimes it's not that good, or it's cold,
13:13
Speaker 2: or your delivery person took six years. Like you're spending
13:16
Speaker 2: your last money. It could be on disappointment.
13:19
Speaker 4: Well that's true, but still it's like, oh, I don't
13:21
Speaker 4: have to think about it tonight. You know, it's like
13:23
Speaker 4: that is one load off. But anyway, sometimes if when
13:27
Speaker 4: I Uber eats, I'm like, I really I really want
13:29
Speaker 4: like Macers, but I also really need to get all
13:32
Speaker 4: of these groceries. And so if you buy something, if
13:35
Speaker 4: you buy anything on u breeds, that like the next
13:37
Speaker 4: section where you're waiting for your order, it will come
13:39
Speaker 4: up with like all these different places that are like
13:42
Speaker 4: free delivery because it's like on the way you know
13:45
Speaker 4: you've seen that, yes, yeah, what I mean. So what
13:48
Speaker 4: I do when I'm in that situation, like I know
13:50
Speaker 4: I'm probably gonna spend a lot of money. I don't
13:51
Speaker 4: really care because I'm like, you know, it's my last money.
13:54
Speaker 4: I don't care. I'm buying from the place with the
13:56
Speaker 4: least expensive delivery. So I'm getting Macers and I'm going
13:59
Speaker 4: to Coals as well. On uber eats, if Coals is
14:01
Speaker 4: four forty nine delivery and Macas is two dollars delivery,
14:05
Speaker 4: I'm doing two dollars delivery. And then the next page
14:08
Speaker 4: will be you're adding on your coals coals because you're
14:11
Speaker 4: not got a new breads strategy. Yes, so always do
14:15
Speaker 4: the cheapest delivery. This is I guess only relevant if
14:19
Speaker 4: you're doing.
14:19
Speaker 2: Two different What if on the next page Coals doesn't
14:22
Speaker 2: come up?
14:22
Speaker 4: It almost certainly will. But it's like you know you're
14:26
Speaker 4: seeing you live in.
14:27
Speaker 2: A really urban area.
14:28
Speaker 4: Okay, if you live in an urban area, there will
14:30
Speaker 4: be your seven elevens, there will be your service stations.
14:32
Speaker 4: It is everything so expandia always an IgA.
14:35
Speaker 2: You know what, we can go back to that friend
14:36
Speaker 2: who goes on a walk and collects cans. You can
14:38
Speaker 2: go on a walk and go to the supermarket. What
14:40
Speaker 2: if it's so far, No, it's reading. No, I've got
14:44
Speaker 2: to be Devil's advocate here. And you're not spenting your
14:46
Speaker 2: last money on McDonald's and then on going to the supermarket,
14:50
Speaker 2: and I just know you're not buying you're not buying staples.
14:53
Speaker 2: I just know it.
14:54
Speaker 4: It's a keeping my nain flight.
14:55
Speaker 5: The prices on new breeds so that they do as
14:57
Speaker 5: you save in delivery are probably playing more than that
14:59
Speaker 5: for like expensive grocery costs.
15:01
Speaker 4: No, that's very true.
15:02
Speaker 2: That's very true.
15:03
Speaker 4: Or that's the other things that the milk Run.
15:06
Speaker 2: We should contact them because milk Run, I'm in a
15:09
Speaker 2: very committed relationship with you right now. No, inflated prices
15:12
Speaker 2: straight from more Worths Love. That's true.
15:15
Speaker 4: And if you're going to a restaurant or something, check
15:17
Speaker 4: the prices on the menu on their website first because
15:20
Speaker 4: sometimes the things are really like three dollars more on
15:23
Speaker 4: ubreeds and stuff like that. So it's true, it's worth
15:25
Speaker 4: doing that. But if you're tired from hustling, hustling, hustling
15:29
Speaker 4: because got mission so broke, just treat yourself, you know
15:35
Speaker 4: what I mean.
15:36
Speaker 2: Do as Beck says, not as Victoria and Jess would say.
15:41
Speaker 2: That's me for this week. I'm eating frozen bread. Yeah,
15:44
Speaker 2: don't get and not hitting up so true.
15:49
Speaker 5: True.
15:49
Speaker 2: All right, let's go to a really quick break because
15:51
Speaker 2: on the flip side, we're going to be talking about
15:53
Speaker 2: building a healthy relationship with money, and this week someone
15:56
Speaker 2: slid into our dms about whether you should be tipping
15:59
Speaker 2: at restaurants or is that while we're in Australia, just
16:01
Speaker 2: performative generosity, So guys, don't go anywhere.
16:08
Speaker 4: Welcome back, everybody. Let's take a listen to this week's
16:11
Speaker 4: money dilemma.
16:14
Speaker 2: Hi, there, have you got a money dilemma you just
16:16
Speaker 2: can't solve the She's on the money team. Is here
16:19
Speaker 2: to help. Every week, we tackle your dilemmas, both big
16:22
Speaker 2: and small, to answer your most burning money, career and
16:25
Speaker 2: life questions. To get involved, simply head to our website
16:28
Speaker 2: and leave us a short voice recording and you might
16:30
Speaker 2: just find yourself on the show. Now, let's take a
16:33
Speaker 2: listen to this week's money dilemma.
16:37
Speaker 6: Hi everyone, thank you for listening to my question. I
16:41
Speaker 6: was just wondering how to deal with money trauma and
16:45
Speaker 6: going from like one extreme to the other. So I
16:48
Speaker 6: grew up supporting my parents financially, and they still owe
16:51
Speaker 6: me a substantial amount of money which I won't ever see.
16:54
Speaker 6: I'm totally okay with that. But now as I've finished
16:58
Speaker 6: Junie and I'm in a.
16:58
Speaker 7: Really good role and my first big girl wage, you know,
17:02
Speaker 7: just hit my first ten thousand dollars in savings, which
17:04
Speaker 7: was huge for me. I've come into a relationship with
17:07
Speaker 7: my partner and she has quite a lot of debt,
17:10
Speaker 7: but it's all quite short term, so I reckon within
17:13
Speaker 7: the next five years it won't even be affecting us anymore.
17:17
Speaker 7: But I guess my question is she's got it extremely
17:21
Speaker 7: stable income in the defense, she's probably never going to
17:24
Speaker 7: leave I've got a super stable income, We've got money
17:27
Speaker 7: coming in, a lot of it's going to debts right
17:28
Speaker 7: now and paying those down. I'm just struggling to spend
17:32
Speaker 7: money on little luxuries, you know, like I've got my
17:36
Speaker 7: gym membership and we've got like a small coffee allowance.
17:39
Speaker 6: But I'm just.
17:40
Speaker 7: Trying to work out how to have a healthy relationship
17:43
Speaker 7: knowing that we've got money coming in and that part
17:46
Speaker 7: of living life is also spending money. I feel like
17:49
Speaker 7: I've swung so far the other way, and my poor
17:52
Speaker 7: partner is trying to encourage me that we can have
17:54
Speaker 7: a healthy relationship with money, but that does also involve
17:58
Speaker 7: spending sometimes too.
18:00
Speaker 6: Any help would be amazing.
18:02
Speaker 4: Such a fair question. Also, congrats on your first ten
18:05
Speaker 4: kg is so huge. I totally get it. Like it's
18:10
Speaker 4: a really tricky one because it's all about, like literally
18:13
Speaker 4: you have to rewire your brain when it comes to
18:15
Speaker 4: finances and stuff like that, which probably calls for therapy
18:19
Speaker 4: of some kind. I guess that's, you know, a longer process. Also,
18:22
Speaker 4: really sorry to hear about the relationship who will, in
18:25
Speaker 4: particular the financial relationship you have with your parents. I
18:27
Speaker 4: can imagine that would Yeah, definitely kind of warp your
18:31
Speaker 4: view of finances and stuff like that, for sure.
18:35
Speaker 2: So that is a really tricky one.
18:37
Speaker 4: But I think that, like, first of all, slow and steady.
18:39
Speaker 4: Sometimes we don't even we're doing something. There's a pattern
18:42
Speaker 4: of behavior, we're not even aware of it, and then
18:45
Speaker 4: we are aware of it, we don't think there's any progress.
18:48
Speaker 4: Being aware of this pattern is progress, and slowly slowly,
18:55
Speaker 4: especially if you're actively working toward trying to be more
18:58
Speaker 4: comfortable with things that is already progressed, just being weird,
19:03
Speaker 4: just being conscious of that.
19:04
Speaker 2: That is really good.
19:05
Speaker 4: So congrats on that, because I'm on the other end
19:09
Speaker 4: where I spend so much and I don't I shouldn't be,
19:11
Speaker 4: and I all my money's gone by the first week
19:15
Speaker 4: of my monthly pay cycle, and so I wou'd have
19:18
Speaker 4: a lot of advice on.
19:20
Speaker 2: How to spend more.
19:22
Speaker 4: But all I want to say is congrats on your
19:25
Speaker 4: first thing k and realizing this pattern is progress and
19:29
Speaker 4: you're going to get there. I'm so sorry. I'm not
19:31
Speaker 4: helpful at all.
19:32
Speaker 2: No, I think that was helpful as well, because I
19:35
Speaker 2: think it's just like we all have such diverse opinions
19:37
Speaker 2: and at the end of the day. There's actually no
19:39
Speaker 2: right or wrong when it comes to money, Like there
19:41
Speaker 2: is what you deem to be comfortable with money, and
19:45
Speaker 2: like I would say that I have a relatively healthy
19:47
Speaker 2: relationship with money, But then you might also say back,
19:50
Speaker 2: you have a relatively healthy relationship with money because you're like, yeah,
19:53
Speaker 2: I don't let it impact me in the way it
19:54
Speaker 2: impacts other people. But then other people might look at
19:57
Speaker 2: you and be like, well, she doesn't have heaps of savings.
19:59
Speaker 2: She's not, you know, budgeting in the way that we would,
20:02
Speaker 2: and they might call it unhealthy. So it's just like
20:05
Speaker 2: what works for you might not work for the like
20:07
Speaker 2: the next person, Jess, how would you develop a healthy
20:11
Speaker 2: relationship with money or how have you done that over
20:13
Speaker 2: the last years.
20:14
Speaker 5: I think I would definitely echo Beck in saying therapy
20:17
Speaker 5: or counseling I think would be really helpful in relation
20:21
Speaker 5: to your finances, maybe even in relation to unpacking some
20:24
Speaker 5: things with your familial relationships too. I think that I
20:28
Speaker 5: don't think therapy is ever a bad thing. I know
20:30
Speaker 5: that it's expective. But money well spent is my opinion.
20:33
Speaker 5: I would say, be conscious, and it sounds like you
20:36
Speaker 5: very much are as someone who grew up with not
20:38
Speaker 5: a lot of money. When I got my first corporate
20:40
Speaker 5: job and I was earning my first big girl age,
20:43
Speaker 5: I swung really heavily the other way, and I too,
20:46
Speaker 5: called it beck and I spent like crazy and I
20:48
Speaker 5: lived my best life, and I don't necessarily regret it,
20:51
Speaker 5: but it didn't set me up in the way that
20:54
Speaker 5: you know, with hindsight and a level of financial now, you.
20:57
Speaker 2: Needed to learn then, like me, you and I both
20:59
Speaker 2: needed to learn. Yeah, it feels like to not be
21:01
Speaker 2: good at money so that we don't do it again.
21:04
Speaker 5: Yeah, it's you know, it's a part of my journey
21:06
Speaker 5: and I don't regret it, but it's just I think
21:08
Speaker 5: it's a very common pattern, as you were saying, to
21:10
Speaker 5: go from one extreme to the other. So it's good
21:12
Speaker 5: that you're thinking about it. My suggestion would be, you've
21:16
Speaker 5: saved your thirsty ten thousand, which is amazing. Have you
21:19
Speaker 5: worked out what a good emergency fund looks like for you?
21:22
Speaker 5: So have you figured out what expenses you would need
21:24
Speaker 5: to cover for say six months, Because I think a
21:27
Speaker 5: lot of money anxiety in my experience comes from the
21:31
Speaker 5: scarcity mindset of going, well, what if I lost my
21:33
Speaker 5: job tomorrow and all of a sudden, I had no
21:35
Speaker 5: money again. So having your emergency fund can really negate
21:39
Speaker 5: that stress. And then in terms of encouraging yourself to spend,
21:43
Speaker 5: I would say budgeted in so within my budget, as
21:46
Speaker 5: you guys know, I have like fifteen Savers accounts, so
21:48
Speaker 5: I have allocated money to spend on cloaks. Specifically, I
21:52
Speaker 5: have allocated money to spend on beauty treatments. So think
21:55
Speaker 5: about what would you like to be spending on, like
21:57
Speaker 5: what areas of your life, you know, is it dinner
21:59
Speaker 5: with friends or whatever. And then once you work that
22:02
Speaker 5: into your budget, you will hopefully be able to spend
22:05
Speaker 5: it a little bit guilt free because you've accounted for it,
22:07
Speaker 5: like you figured it out.
22:08
Speaker 4: It's there.
22:09
Speaker 5: You don't have to stress because you've worked into your budget.
22:11
Speaker 5: Maybe you've got your emergency fund building in the background,
22:14
Speaker 5: so you know that God forbid something happens, you're all sorted.
22:17
Speaker 5: It's just kind of building a structure. I think that
22:21
Speaker 5: is going to give your brain security and then over
22:24
Speaker 5: time hopefully you'll loosen up and you'll become more comfortable
22:27
Speaker 5: with those things. But I do still think that therapy
22:29
Speaker 5: can also really help to turbocharge that.
22:32
Speaker 2: Yeah, I guess I'm of the same mindset. To me,
22:36
Speaker 2: developing a healthy relationship with money is about honesty, it's
22:40
Speaker 2: about transparency, and it's about I would say, a really
22:43
Speaker 2: good level of self awareness. And I need you to
22:46
Speaker 2: understand your money story. First episode on the podcast is
22:50
Speaker 2: about money stories. Look up money stories on our show
22:53
Speaker 2: and listen to that. You need to understand where you've
22:56
Speaker 2: come from, to understand the beliefs you hold today and
22:59
Speaker 2: what you've double along the way that might be serving
23:01
Speaker 2: you or what you need to rewrite and go okay, cool,
23:04
Speaker 2: Like this isn't serving me. I think for me, it's
23:07
Speaker 2: about not necessarily needing to be perfect or never spending,
23:13
Speaker 2: but rather understanding or what is intentional, what is informed,
23:17
Speaker 2: what is putting me in the best possible position? And
23:20
Speaker 2: asking yourself the question am I currently being kind to myself?
23:24
Speaker 1: Like?
23:24
Speaker 2: Cause if being restrictive, is you going, no, I'm being
23:28
Speaker 2: so kind to myself and putting future me first? Or
23:31
Speaker 2: on the flip side, you're like, no, I'm really missing
23:33
Speaker 2: out and not having a good time, Like are your
23:36
Speaker 2: money habits kind to you? Like? Are you putting yourself
23:40
Speaker 2: in the best possible position. What does that look like?
23:42
Speaker 2: Are you being intentional? Are you being informed? And that
23:46
Speaker 2: kind to yourself thing?
23:47
Speaker 1: Like?
23:47
Speaker 2: Once you understand that, I think that you're able to
23:49
Speaker 2: then build a bit more confidence because you'll be like, no,
23:52
Speaker 2: I do have conviction in the way that I'm spending
23:54
Speaker 2: or the decisions that I'm making. It doesn't matter that
23:57
Speaker 2: nobody else does it this way. It works for me.
24:00
Speaker 2: I think that that helps you to control your financial
24:03
Speaker 2: life over time. And if you're saying I need to
24:05
Speaker 2: be kinder to myself, which is what I'm kind of
24:07
Speaker 2: hearing in this story, then what do you need to
24:10
Speaker 2: rewrite to be able to be kinder to yourself? Do
24:12
Speaker 2: you need to be more clear on your budget? Are
24:15
Speaker 2: you aware of what's coming in and you have this budget,
24:17
Speaker 2: but you're not very good at sticking at it? Are you,
24:20
Speaker 2: you know, maybe not being kind to yourself because you're like, no,
24:23
Speaker 2: we got into all this personal debt and I don't
24:25
Speaker 2: deserve to spend money on nice things. Yeah, we have
24:28
Speaker 2: a coffee budget because we felt like we had to.
24:31
Speaker 2: But what does that actually look like like? Do you
24:34
Speaker 2: feel like you are living your best life? If not,
24:36
Speaker 2: what does that look like while still prioritizing debt reduction
24:40
Speaker 2: is probably where I'm at. I just had one more
24:42
Speaker 2: thing to say. I love for you to say something else.
24:44
Speaker 4: I feel like when I have if you change the
24:48
Speaker 4: medium or something whatever the word is in which your money,
24:53
Speaker 4: the money that you're spending comes in. For example, like
24:56
Speaker 4: if you like, oh well, if I have a gift card,
24:57
Speaker 4: I have no guilt with and paying and whatever for
25:02
Speaker 4: like luxury items. So maybe you could like buy yourself.
25:04
Speaker 4: You can set like an allocated amount and buy yourself
25:06
Speaker 4: a MasterCard, gift card or something like that every month.
25:09
Speaker 4: And then also sometimes with the places like shop back,
25:13
Speaker 4: you can get like five percent cash back if you
25:14
Speaker 4: buy a gift card through that after.
25:16
Speaker 2: Like some of that.
25:17
Speaker 4: So maybe like if it's in if it's in your
25:18
Speaker 4: account and you're like, I feel really yucky spending this money,
25:21
Speaker 4: buy a gift card and then you will be like, oh,
25:23
Speaker 4: this is gift money or put it in cash.
25:26
Speaker 2: Well, this is gold to yourself, Yes, do yourself.
25:29
Speaker 4: Maybe that's easier, Maybe it's easier to part with when
25:31
Speaker 4: it's also like let's say coffee is your trigger, right
25:35
Speaker 4: and you I'm pretending for a hot second, you go
25:37
Speaker 4: to Starbucks every week, and you're like, no, I do
25:39
Speaker 4: want to go to Starbucks every week, but I feel
25:41
Speaker 4: so bad tapping my card all the time because I'm
25:43
Speaker 4: so worried I'll go over budget.
25:45
Speaker 2: Maybe you budget one hundred dollars for coffee that month,
25:48
Speaker 2: go and buy one hundred dollars gift certificate. You use
25:50
Speaker 2: your shop that get five percent back. Know what's on
25:52
Speaker 2: that gift card, and every time you get your coffee,
25:54
Speaker 2: just use that gift card because that's your coffee money.
25:56
Speaker 2: When it's gone, it's gone, exactly exactly you work for you.
26:00
Speaker 2: There's so many strategies. For some people, they'd be like,
26:02
Speaker 2: that's an unnecessary hurdle. But then also, once the money's
26:06
Speaker 2: on that gift card, sorry, it's already on the gift
26:08
Speaker 2: card card at Starbucks. So maybe it's pushing you in
26:13
Speaker 2: the right direction exactly.
26:15
Speaker 4: Ray, have we got a juicy this week?
26:17
Speaker 2: We actually do. And I'm just I'm so looking forward
26:20
Speaker 2: to hearing your thoughts on this, because Jess, when we're
26:23
Speaker 2: in the US, we struggled so much with what do
26:25
Speaker 2: you tip? How do you tip? What does this mean?
26:27
Speaker 2: How do we calculate it?
26:28
Speaker 1: All?
26:28
Speaker 6: Right?
26:28
Speaker 2: Sit down. Hey, she's on the money, just writing into
26:31
Speaker 2: be a bit pervy on where everyone sits on tipping,
26:34
Speaker 2: So excited, thank you for writing in. I went out
26:36
Speaker 2: for lunch with friends over the weekend. One friend totalled
26:39
Speaker 2: everyone's share on an even split, and another chimed in
26:42
Speaker 2: to check if we leave a tip. I'd actually been
26:46
Speaker 2: talking to her earlier about how I don't think the
26:48
Speaker 2: service was great, so tipping was not even on my radar,
26:52
Speaker 2: and honestly I didn't think that they deserved one. When
26:55
Speaker 2: it came to pay, we split it on the card machine,
26:57
Speaker 2: so no group tip, but the terminal asked percentage to leave.
27:01
Speaker 2: She tapped ten percent, and I suddenly felt so awkward
27:04
Speaker 2: when I selected zero percent with the waiter's standing right
27:06
Speaker 2: behind me. In that moment, it felt like performative generosity
27:10
Speaker 2: and tipping just to look good. Is tipping ever a
27:13
Speaker 2: thing in Australia? Or are we all just scared a
27:16
Speaker 2: looking stingy?
27:19
Speaker 4: I personally, and this is not very popular opinion, but
27:22
Speaker 4: if tipping was a thing, it would for me personally,
27:25
Speaker 4: wouldn't be based on customer service, because I'm like, someone's
27:28
Speaker 4: probably haven't. Maybe someone on a bad day or maybe
27:30
Speaker 4: they're just like, customer service is not their passion. I
27:31
Speaker 4: don't want them to be like, because I know the
27:34
Speaker 4: mental energy spent when you are, like, you've got to
27:37
Speaker 4: maintain a certain level of energy and enthusiasm when you're like,
27:40
Speaker 4: oh my god, I'm so tired. So I'm like, I
27:42
Speaker 4: don't care how bad the customer service was. If it
27:44
Speaker 4: was a thing, I would be tipping no matter what.
27:45
Speaker 4: But anyway, that's beside the point. I guess I'm for tipping,
27:52
Speaker 4: but I don't know that it goes to the person
27:54
Speaker 4: who served you, Like we're not going to Australia, there's
27:57
Speaker 4: no no dry like if you tip an add it
27:59
Speaker 4: on at the f POS machine, like, does it just
28:02
Speaker 4: get divided among every single staff member and therefore nigate
28:06
Speaker 4: the fact that you wanted it to.
28:08
Speaker 2: Go to that waiter or does it just go to
28:11
Speaker 2: the house Because I have literally heard of people being like,
28:13
Speaker 2: oh yeah, if we got tipped, like they said it
28:15
Speaker 2: was unfair because like Jess got a tip that Beck
28:18
Speaker 2: worked in the kitchen, so therefore she didn't so they
28:20
Speaker 2: just kept it.
28:21
Speaker 4: Like yeah, that's the other risky thing is that like
28:24
Speaker 4: you know, yeah, if you're tipping one person and it
28:26
Speaker 4: just kind of feels like I don't really like that
28:30
Speaker 4: kind of thing because you're like, what if someone gets
28:32
Speaker 4: one hundred bucks for the night, someone gets three hundred
28:34
Speaker 4: dollars for the night. You know it's a bit. But
28:36
Speaker 4: I think because we have like you know, award wages,
28:38
Speaker 4: everyone's paid a minimum you know there should be and
28:41
Speaker 4: then anything above that amazing. But I think that we
28:45
Speaker 4: don't need to tip.
28:47
Speaker 2: Have you ever tipped? Like is that something I do? Tip?
28:50
Speaker 2: I have tipped, So, like, in what circumstance would you go, Oh,
28:53
Speaker 2: I really want to leave a tip because I feel
28:55
Speaker 2: like it's not like in Australia, we're not obligated in
28:58
Speaker 2: the same way that in a mirror car tips make
29:01
Speaker 2: up a very big portion of their income. R. So
29:04
Speaker 2: when are you like, I'm gonna leave a cheeky little tip.
29:06
Speaker 4: Well, first of all, it's if I have cash, I mean,
29:09
Speaker 4: because I want to give it to the person. Yeah,
29:11
Speaker 4: I don't want it to go to just whoever, likeah,
29:13
Speaker 4: not that no one else is worthy, but like I
29:15
Speaker 4: don't know where.
29:15
Speaker 2: It's going, and that's that's the relationship I had with you.
29:18
Speaker 1: Yeah.
29:18
Speaker 4: And then also if I'm if I'm in a position
29:20
Speaker 4: where I have a lot of like disposable income that
29:23
Speaker 4: week for whatever reason, and all you've got to.
29:25
Speaker 2: Get back on pay week, and you got to get
29:28
Speaker 2: me on pay week.
29:28
Speaker 4: And I don't really go out to eat often at
29:30
Speaker 4: like fancy places. But yeah, I think it's it's got
29:33
Speaker 4: to be all those three things together that work perfectly.
29:36
Speaker 4: I'm like, yeah, I'm gonna tip, but yeah, I just
29:38
Speaker 4: I just think because I've always been one that's like
29:41
Speaker 4: going out is so expensive for me, and it's like
29:44
Speaker 4: I haven't worked into my budget tipping someone. I just
29:47
Speaker 4: I guess I just don't do it. But it's I mean,
29:50
Speaker 4: it's not a bad thing, and I don't honestly like
29:52
Speaker 4: the person who's at the register, the waiter, whoever that's
29:55
Speaker 4: watching is why are they.
29:57
Speaker 2: Watching though, Because like you press the button hit ten
30:00
Speaker 2: percent at the same time that you're putting your pin
30:02
Speaker 2: code in. I feel like that's weird. They shouldn't be watching.
30:05
Speaker 2: That's not okay.
30:06
Speaker 4: I wouldn't worry, but yeah, the I totally like the
30:08
Speaker 4: virtue signally side of things where it's like, oh, someone's
30:11
Speaker 4: obviously being performative.
30:13
Speaker 2: I guess I would just like, if you feel so.
30:16
Speaker 4: Inclined and if you have the money, you do it.
30:19
Speaker 4: I just don't. I don't think we need to do here.
30:21
Speaker 4: I don't know, I could be wrong, but I don't
30:22
Speaker 4: think we need to do here. That's what I've been taught.
30:24
Speaker 5: No, you're totally right, because it exists in the US
30:26
Speaker 5: because the minimum wage is so low. So the US
30:28
Speaker 5: minimum wage for service is like two dollars an hour.
30:31
Speaker 5: So tipping is.
30:31
Speaker 2: Depending on states. So people might jump down our throats
30:34
Speaker 2: because like some have that, but like, but historically most
30:38
Speaker 2: of their income is their tips, not their base salary.
30:40
Speaker 5: Correct, So tipping is non negotiable. Over there, there's like you,
30:45
Speaker 5: I think it's like fifteen percent is like a standard
30:47
Speaker 5: tip because you're paying their wage effectively, wherea.
30:50
Speaker 2: Which I find crazy as a structure for society.
30:52
Speaker 4: I shouldn't be anyway here or there.
30:55
Speaker 2: And they joint include tax at the price. Remember when
30:58
Speaker 2: we'd go to like check out, it's aphora and then
30:59
Speaker 2: then I add text and I'd be like, it's go
31:01
Speaker 2: user me.
31:02
Speaker 5: Genuinely, nothing over there makes any sense. But yeah, so
31:05
Speaker 5: here we have a really good minimum wage. It's not
31:08
Speaker 5: a requirement as someone who used to work in the
31:09
Speaker 5: service industry. I worked as a waitress for like five
31:11
Speaker 5: or six years. It was never an expectation.
31:14
Speaker 2: It was always it was always like a sweet tree,
31:16
Speaker 2: like correct, like.
31:16
Speaker 4: If someone tipped you, it was really lovely.
31:18
Speaker 5: It was very exciting, especially because I was in my
31:20
Speaker 5: late teens early twenties, so it's like, oh my god,
31:22
Speaker 5: twenty bucks.
31:23
Speaker 2: This is amazing.
31:24
Speaker 5: But you know, it was never an expectation when people
31:28
Speaker 5: two to me. Back in the day, we also didn't
31:31
Speaker 5: have the f pos tips. I don't think like it
31:32
Speaker 5: purely was a cure.
31:33
Speaker 2: I've never existed in that.
31:35
Speaker 5: It was always showing my age, But I think my
31:38
Speaker 5: experience predates that. I don't love it because it does,
31:42
Speaker 5: as you said, feel quite awkward with the person standing there.
31:45
Speaker 5: But I just try and remind myself. I don't know
31:47
Speaker 5: if the culture has changed since I worked in the industry,
31:50
Speaker 5: but like when I was a waitress, it was never
31:52
Speaker 5: an expectation. I'm being paid to be here, Like my
31:55
Speaker 5: job is paying me. That's what I'm here for. If
31:58
Speaker 5: you chip me, that's awesome. You know, it means I
32:00
Speaker 5: did a great job. And as a consumer, that's when
32:03
Speaker 5: I will tip if I have weight, stuff that I
32:04
Speaker 5: feel like really went above and beyond, if they helped
32:07
Speaker 5: me change orders, or like if something goes wrong, you know,
32:10
Speaker 5: if I'm with a kid and the kid makes a
32:12
Speaker 5: mess or you know, something like that. I think it's
32:14
Speaker 5: like a nice way to show appreciation and gratitude. Yeah,
32:18
Speaker 5: but it's not something that I will do every time either,
32:22
Speaker 5: But yeah, I would be really interested to know what
32:24
Speaker 5: everyone else thinks.
32:24
Speaker 4: But what do you think? Because you're also served well.
32:27
Speaker 2: I worked in hospitality for like a good ten years,
32:30
Speaker 2: Like it was my first job. I was in hospitality
32:32
Speaker 2: and then growing up on the morning to potential that
32:34
Speaker 2: basically all you can do is hospow. So I did
32:37
Speaker 2: a lot of different roles from working at a nice
32:39
Speaker 2: cream shop to like a cafe on the main strip
32:42
Speaker 2: to working at a number of different wineries. I do
32:44
Speaker 2: everything from like front of house serving like being a waitress,
32:47
Speaker 2: to events and being a barista and stuff and Familiarah. Yeah,
32:51
Speaker 2: I am a trained similia, which is very cool. It's like,
32:55
Speaker 2: you know, the person that makes a wine recommendations and
32:57
Speaker 2: like opens the wine. I got the like little badge
32:59
Speaker 2: that had the great on it. Anyway, very cool, cool
33:01
Speaker 2: and part of my part of my story when you
33:04
Speaker 2: talk about it later, I can help you pick a wine.
33:06
Speaker 2: But at each venue, I remember the tips being treated
33:10
Speaker 2: very differently. Like one of the wineries that I worked at,
33:13
Speaker 2: it was kind of like frowned upon. If you were
33:15
Speaker 2: given a tip to not put it in the tip jar,
33:17
Speaker 2: and then it would get and I thought this was
33:18
Speaker 2: quite fair. It would get divided among all of the
33:21
Speaker 2: stuff that were on that shift, so including the kitchen
33:24
Speaker 2: staff and the people that were behind the bar, because
33:26
Speaker 2: more often than not just the waitresses were getting tipped,
33:29
Speaker 2: and it was like a pretty fancy establishment, so it
33:31
Speaker 2: wasn't abnormal to work at this restaurant and have most
33:35
Speaker 2: tables give you a twenty dollar tip, which was always lovely,
33:39
Speaker 2: But then some people would actually ask me, like what
33:41
Speaker 2: happens to your tips? And I'd be like, oh, we
33:43
Speaker 2: share it, and like they would change how much they
33:45
Speaker 2: tipped because they kind of wanted it to just go
33:47
Speaker 2: to me, or they'd be like, oh, but what if
33:48
Speaker 2: I give you cash on the side, And it always
33:50
Speaker 2: felt awkward. The same thing happened once I moved to
33:53
Speaker 2: the city and I worked at a number of different
33:55
Speaker 2: restaurants in the city, some high end, some just like
33:58
Speaker 2: standard restaurants, some split them. I remember one of the
34:01
Speaker 2: restaurants I worked out kept all of the tips and
34:03
Speaker 2: it was like a point of contention because some of
34:06
Speaker 2: the waitresses who were given cash would just like pocket
34:09
Speaker 2: it and not talk about it, and we all knew
34:10
Speaker 2: it was happening, but like you would just not say
34:12
Speaker 2: anything because the owners were so greedy. It just depends.
34:16
Speaker 2: But again it was never expected. But like at a
34:20
Speaker 2: number of places that I did work, like, you knew
34:22
Speaker 2: the table, like low key, you knew the tables that
34:24
Speaker 2: looked like they were going to tip, and you would
34:25
Speaker 2: definitely like bendover backwards. It was kind of like for
34:28
Speaker 2: me a game, like a game to be like, oh,
34:30
Speaker 2: I wonder if I could work out how to get
34:33
Speaker 2: a tip out of these guys were going above and beyond,
34:35
Speaker 2: which is probably not the best way to approach things.
34:37
Speaker 2: But like I was young and having a lot of fun.
34:40
Speaker 2: But when I now tip as a consumer and I'm
34:44
Speaker 2: at a restaurant, it's because I've really enjoyed the service
34:46
Speaker 2: or that person's experience, and sometimes I do ask, I
34:49
Speaker 2: go like, oh, if I tip, does it go to
34:51
Speaker 2: you and they go, oh, yeah, it does or whatever. Anyway,
34:53
Speaker 2: that's nice. But I've never felt like when I'm checking
34:57
Speaker 2: out at the FPOs machine that they're watching in the
35:00
Speaker 2: ten percent that I put on, like I'm sorry, you
35:03
Speaker 2: did your job in the nicest possible way. We're in
35:06
Speaker 2: the middle of a cost of living crisis, and yes,
35:09
Speaker 2: I am very privileged to have a lot of financial freedom,
35:12
Speaker 2: but that doesn't mean that I go, yeah, I'd love
35:14
Speaker 2: to pay ten percent more for this meal, like unless
35:17
Speaker 2: I feel like it is really warranted and valid and
35:20
Speaker 2: I feel like I'm doing something good. But this community
35:23
Speaker 2: member that wrote in, she literally said, I don't feel
35:25
Speaker 2: like they deserve a tip.
35:26
Speaker 4: Yeah, if the service wasn't good.
35:28
Speaker 2: Kids zero, you're still paying your bill, right, that's a
35:31
Speaker 2: good deal. So I don't think it's an issue. We
35:34
Speaker 2: did ask the community. We said, guys, when do you tip?
35:37
Speaker 2: One percent of you said every time, I'm not surprised,
35:40
Speaker 2: fifty eight percent of you said never, thirty seven percent
35:43
Speaker 2: only tip when the service is good, and four percent
35:45
Speaker 2: said only when I feel peer pressured to do so.
35:48
Speaker 2: You should feel peer pressured, No, absolutely not. Next question
35:52
Speaker 2: we said was, how do you feel about payment machines
35:54
Speaker 2: and ordering apps asking for tips. Do you know what
35:57
Speaker 2: that annoys me? I'm sorry, Uber, I love you, but
35:59
Speaker 2: why am I tipping my driver for being forty minutes late?
36:01
Speaker 4: I know what I was gonna say before the drivers.
36:05
Speaker 4: That's different Uber ubers.
36:06
Speaker 2: If you're like forty minutes late and then you left
36:10
Speaker 2: it at the front of my house, not at my door,
36:12
Speaker 2: didn't knock on my door, and then I still get
36:14
Speaker 2: the push notification to be like, do you want to
36:16
Speaker 2: tip your driver? I'm like, literally no, my food was
36:19
Speaker 2: cold and at risk of being stolen.
36:20
Speaker 4: If it's really shit weather, I usually tip my uber
36:22
Speaker 4: It's drive the hail the story.
36:27
Speaker 2: Anyway, how do you feel about that? Fifty seven percent
36:30
Speaker 2: of you said we hate it, tipping is an Aussie culture,
36:32
Speaker 2: twenty one percent said it's awkward. I feel pressured, another
36:35
Speaker 2: twenty one percent said I don't mind. It's still my choice,
36:37
Speaker 2: and one percent said I like it. It makes it
36:39
Speaker 2: easy to support stuff. It's really sweet. And then we
36:43
Speaker 2: went to the community said guys, what's your two cents?
36:46
Speaker 2: Someone said it's awkward for companies to ask for a
36:48
Speaker 2: tip when you order vira QR code with no service.
36:52
Speaker 4: I do agree with that.
36:53
Speaker 2: Yeah, they also asked for the dip before the food
36:55
Speaker 2: comes because you're like checking out at that time. That's true.
36:58
Speaker 2: I do find that interesting. Weird. Someone said I'd be
37:01
Speaker 2: more upset with splitting the bill equally.
37:03
Speaker 4: I mean, that's a great take.
37:05
Speaker 2: I think that's so funny. Next person said, the weight
37:07
Speaker 2: stuff won't remember you by the end of the shift.
37:10
Speaker 2: It's not that deep. I promise, oh I would remember, oh,
37:14
Speaker 2: remember you. The next person said, when tipping via machine,
37:17
Speaker 2: I'm not even sure whether it's going to tip the
37:19
Speaker 2: staff or the restaurant.
37:21
Speaker 4: Well, that's yeah. When it's an f POS, you really
37:22
Speaker 4: have no idea.
37:23
Speaker 2: Yeah, that's the thing. Someone else said, I really wish
37:26
Speaker 2: card payments had an option to just like round up
37:28
Speaker 2: for a tip, kind of like keep the change.
37:31
Speaker 4: Yeah, because that's what you do with cash all at
37:33
Speaker 4: a time too.
37:33
Speaker 2: Is Yeah, like whatever's eighteen bucks, I'll keep the change.
37:37
Speaker 2: Next person said, tip on the machine is so sneaky.
37:40
Speaker 2: My friend accidentally put her pinn as the tip once.
37:43
Speaker 4: No, I will die. It was like a zero zero zero,
37:50
Speaker 4: like starts with a zero. Yeah.
37:52
Speaker 2: The next person said, I love tipping when someone's gone
37:55
Speaker 2: above and beyond tipping being expected, though absolutely not. Next
37:59
Speaker 2: person said, ever, everything is already so expensive at the moment,
38:02
Speaker 2: adding a tip feels like a kick in the guts.
38:04
Speaker 2: And last one I'm going to share is it's okay
38:07
Speaker 2: to own your no and I love amen now is
38:11
Speaker 2: a full sentence, baby, exactly all right. That is probably
38:14
Speaker 2: a very good place to leave it. Guys, it has
38:17
Speaker 2: been a good week. I have enjoyed hanging out with
38:19
Speaker 2: you all. We'll see you brighten early on Monday for
38:22
Speaker 2: Money Diary, but till then, have a beautiful weekend.
38:24
Speaker 4: Bye, guys.
38:25
Speaker 2: Bye. The advice shared on She's on the Money is
38:34
Speaker 2: general in nature and does not consider your individual circumstances.
38:38
Speaker 2: She's on the Money exists purely for educational purposes and
38:41
Speaker 2: should not be relied upon to make an investment or
38:44
Speaker 2: financial decision. If you do choose to buy a financial product.
38:47
Speaker 3: Read the PDS TMD and obtain appropriate financial.
38:50
Speaker 2: Advice tailored towards your needs.
38:53
Speaker 3: Victoria Divine and She's on the Money are authorized representatives
38:57
Speaker 3: of Money sheper Pty ltd ABN three two one is
39:01
Speaker 3: six four nine two seven seven zero eight a f
39:04
Speaker 3: s L four five one two eight nine,