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Big Financial Decision Drama · 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 impactful 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 podcast that
• 1:00
  Speaker 2: makes finance fun, especially on Fridays. It's our favorite day
• 1:04
  Speaker 2: of the week. No surprise is there because I get
• 1:07
  Speaker 2: the team together and we celebrate you the incredible. She's
• 1:10
  Speaker 2: on the Money community this week, guess what times are changing?
• 1:14
  Speaker 2: Not just Grici is going to be sharing a favorite
• 1:17
  Speaker 2: money wins and confessions from the community. Beck is going
• 1:20
  Speaker 2: to be sharing her broke tips and how much she
• 1:23
  Speaker 2: loves Jessic Goerici's cooking, and we're going to be helping
• 1:27
  Speaker 2: to answer a money dilemma. This week we're talking all
• 1:29
  Speaker 2: about a partner who thinks treat yourself is buying a
• 1:32
  Speaker 2: ute or a boat and something you slid into our
• 1:36
  Speaker 2: dms about the pressure of feeling like Christmas is a
• 1:39
  Speaker 2: really big spender thorn, which it is, right, But as always,
• 1:44
  Speaker 2: before we get there, Beck with a mouthful of cookie,
• 1:47
  Speaker 2: tell me, tell me about the cookies that chest mate.
• 1:49
  Speaker 4: Oh my god, I was well. I did take a
• 1:51
  Speaker 4: bye while you were talking. I just couldn't literally couldn't
• 1:53
  Speaker 4: control myself. But I've been looking at them and I
• 1:56
  Speaker 4: don't think I can go a whole episode without eating
• 1:59
  Speaker 4: a little bit.
• 1:59
  Speaker 2: More so mentioning in the background to explain them.
• 2:02
  Speaker 4: If you go to like a really really good donut
• 2:04
  Speaker 4: shop and you can smell like the fresh cinnamon donuts,
• 2:06
  Speaker 4: it's like that. It's imagine that smell the texture of
• 2:10
  Speaker 4: a literal perfect cookie.
• 2:13
  Speaker 2: Right, Jess was saying that they're too.
• 2:14
  Speaker 4: Dry, but no, sorry, that's not right. Also, I don't
• 2:19
  Speaker 4: know if this makes sense, but personally I'm a big
• 2:21
  Speaker 4: fan of like hotcakes cook cakes, and it kind of
• 2:24
  Speaker 4: like has it's got a hotcake vibe in the middle,
• 2:26
  Speaker 4: because there's like some sort of maple lea.
• 2:28
  Speaker 5: It's like a pecan butter. There's maple in it.
• 2:32
  Speaker 4: Pie cookie imagine the best cinnamon donut you ever had,
• 2:36
  Speaker 4: the best textured cookie you've ever had.
• 2:38
  Speaker 2: Plus caramel with maple syrup. Pecan so good at cooking
• 2:46
  Speaker 2: and just like I can't cook. And then she whips
• 2:48
  Speaker 2: things like this out and you're like, yeah, Jessica, so
• 2:52
  Speaker 2: you're alive field, Yeah, so you straight lined to our
• 2:54
  Speaker 2: faces real, Jesse, Where did you get this recipe? I
• 2:59
  Speaker 2: found around tik Can we have it in the Yes?
• 3:03
  Speaker 2: I feel like this would be a really good present
• 3:06
  Speaker 2: because look how cute they are too, so like, yeah,
• 3:08
  Speaker 2: the vibe of the cookie is very wholesome, very festive, black.
• 3:11
  Speaker 2: It's got like the dimple. This is probably too much
• 3:13
  Speaker 2: cookie talk, like it's important, right, but there's like the
• 3:16
  Speaker 2: dimple in the middle, and then it's got the pekans
• 3:18
  Speaker 2: in the middle with the caramel, Like can you imagine
• 3:20
  Speaker 2: getting a plate of those as a gift? Totally?
• 3:22
  Speaker 4: And that's the thing if you're listening and you're like,
• 3:23
  Speaker 4: pickens are going to fall off, no, because they do
• 3:25
  Speaker 4: have the little dimple and they're covered in this beautiful
• 3:28
  Speaker 4: maple y syrupy.
• 3:30
  Speaker 2: Is so good. If Jessica doesn't share the recipe with
• 3:32
  Speaker 2: a fine for you, don't worry, don't don't expect to
• 3:35
  Speaker 2: be allowed the.
• 3:35
  Speaker 4: Show next Yes, seriously, jess is not here next week's.
• 3:41
  Speaker 2: Cookies. All right, I want to talk about our five
• 3:44
  Speaker 2: star review that we received this week because it is
• 3:47
  Speaker 2: so sweet, and you guys seem to love hearing the
• 3:49
  Speaker 2: five star reviews because mainly they're just stroking Beck's ego.
• 3:52
  Speaker 2: But this week I picked one that doesn't specifically mentioned Beck.
• 3:56
  Speaker 4: That's okay.
• 3:57
  Speaker 2: So Brookie has written in so she said love, love, love,
• 4:01
  Speaker 2: all in capital letters. You know it's going to start.
• 4:04
  Speaker 2: I started listening to the pod about six months before
• 4:07
  Speaker 2: I moved out of home with very minimal financial literacy.
• 4:10
  Speaker 2: I've now been living out of home for three years
• 4:12
  Speaker 2: and I am financially thriving. I used the podcast as
• 4:16
  Speaker 2: a starting point for setting up our finances and organizing
• 4:19
  Speaker 2: our budget when my partner and I moved in together.
• 4:22
  Speaker 2: We are now on track to buy our own property
• 4:24
  Speaker 2: in the next two years. I could not have done
• 4:27
  Speaker 2: this with other beautiful She's on the money team, and
• 4:30
  Speaker 2: I'm eternally grateful for the advice, guidance and support. The
• 4:33
  Speaker 2: girls have given me so much love for the team.
• 4:36
  Speaker 4: Oh my god, it's really sweet.
• 4:38
  Speaker 2: Also, Brookie reminds me of cookies. That's theme for today. Yeah, oh,
• 4:44
  Speaker 2: there you go. It's just a bacon epis. It's a
• 4:46
  Speaker 2: baking episode, all right. What has the community been baking up, Jessica, Oh,
• 4:50
  Speaker 2: they've been baking up some money wins? May I say?
• 4:52
  Speaker 5: Firstly, this week I have got one from Ze who said,
• 4:56
  Speaker 5: I'm working through my freezer and I'm eating all my
• 4:59
  Speaker 5: frozen stuff to fresh. I feel like I haven't done
• 5:01
  Speaker 5: a proper grocery shop in two months money in which
• 5:04
  Speaker 5: is one of my favorite things, because you know how you.
• 5:06
  Speaker 2: Haven't gone through my freezer in age one.
• 5:08
  Speaker 5: Hundreds and you're half eaten meal, or you'll buy a
• 5:09
  Speaker 5: pack of sausages nearly used to a new Chuck rest
• 5:11
  Speaker 5: in the freezer. I always guarantee you there's whole meals
• 5:15
  Speaker 5: in your freezer.
• 5:16
  Speaker 2: I convince myself, jess I convince myself that I can't
• 5:19
  Speaker 2: remember when I put it in there, and then I
• 5:21
  Speaker 2: try to work it out and I'm like, oh, it's
• 5:23
  Speaker 2: been more than six months, or like it's been like
• 5:25
  Speaker 2: a year or something. Is it still safe to eat?
• 5:27
  Speaker 2: I don't know, and then I get stressed, and then
• 5:29
  Speaker 2: I don't throw it out because I get anxious about that.
• 5:31
  Speaker 2: So it just days freezer.
• 5:33
  Speaker 5: You got to put a permanent market date on whatever
• 5:35
  Speaker 5: your chuck in case, I think give that one a go.
• 5:38
  Speaker 2: He's a smart cookie cookie money. When I don't sadly.
• 5:45
  Speaker 4: In there somewhere, I'll figure it out.
• 5:46
  Speaker 2: I'll work it out if you're next.
• 5:48
  Speaker 5: I've got a money in from Airy who said she
• 5:50
  Speaker 5: works for a waste company and they take faulty books
• 5:53
  Speaker 5: from publishers to the dump. So a lot of publishers,
• 5:56
  Speaker 5: you know, things are ruined. You can't send them out.
• 5:58
  Speaker 5: Maybe it gets wet or something like that. Every so
• 6:00
  Speaker 5: often the driver brings some boxes in for the office staff,
• 6:03
  Speaker 5: anything that's good enough that it doesn't need to go
• 6:05
  Speaker 5: to waste. Today she scored these beauties. It's two copies
• 6:09
  Speaker 5: of shues on the money. I got saved from the
• 6:10
  Speaker 5: waist and owned it. But I didn't want to send
• 6:14
  Speaker 5: them to the dump, which I love that.
• 6:16
  Speaker 2: I was really cute. I've got a puny in my head.
• 6:17
  Speaker 2: Can I say it please? Life's better when you're with
• 6:20
  Speaker 2: she's on the money. Oh my, got retracted. I'm okay,
• 6:25
  Speaker 2: So you know how I was like, Ah, I'm so funny.
• 6:27
  Speaker 5: I'm not.
• 6:28
  Speaker 2: This is a finance podcast, not a comedy podcast, so
• 6:31
  Speaker 2: we'll stick to finance.
• 6:32
  Speaker 5: Yes. Next, I've got a money win from Hannah, who
• 6:35
  Speaker 5: said money win. I'm upskilling myself and learning how to
• 6:38
  Speaker 5: do build a gel manicures.
• 6:39
  Speaker 2: Oh my gosh, how funny suggests. It's so fun.
• 6:42
  Speaker 5: She said she's going to turn it into a little
• 6:43
  Speaker 5: side hustle as well, which lets her be creative. Next
• 6:46
  Speaker 5: money We love that. Next, I've got a money win
• 6:50
  Speaker 5: from Tash, who said she had to change her holiday
• 6:52
  Speaker 5: plans but she had booked the really cheap flights that
• 6:55
  Speaker 5: don't include like the changes or the cancelation.
• 6:58
  Speaker 2: Luckily, she called the.
• 6:59
  Speaker 5: Airline and they were able to change the destination for
• 7:01
  Speaker 5: her and she only had to pay ninety dollars in
• 7:04
  Speaker 5: change fees, which is a lot of money, but better
• 7:06
  Speaker 5: than losing your flights.
• 7:07
  Speaker 4: But that's new destination. It's pretty good.
• 7:10
  Speaker 6: Yeah.
• 7:10
  Speaker 5: Apparently they found the cheapest flights for her, so she
• 7:12
  Speaker 5: didn't have to pay the difference either.
• 7:14
  Speaker 2: We did that accidentally with virgin recently. Remember, so Beck,
• 7:17
  Speaker 2: we went to Sydney just for the day and we
• 7:20
  Speaker 2: were flying back and I had accidentally booked the like
• 7:23
  Speaker 2: flights that have no flexibility on them, and we were like, oh,
• 7:27
  Speaker 2: we need to get on the next flight. And usually
• 7:29
  Speaker 2: if you've got like the what is it, I don't know,
• 7:31
  Speaker 2: I don't know what they're called, like flexi. Yeah, sure,
• 7:33
  Speaker 2: and so you get the flexi flight and when you
• 7:36
  Speaker 2: get to the airport, if you need to change, you
• 7:37
  Speaker 2: can go up to the front tesk and be like, hey,
• 7:39
  Speaker 2: could you swap this, And they're usually really like accommodating,
• 7:43
  Speaker 2: and the girl was like, oh, you aware that you
• 7:45
  Speaker 2: don't have those flights that you can change, And I
• 7:48
  Speaker 2: was at the desk acting like I did. I was like, oh,
• 7:50
  Speaker 2: I was just wondering because I've done it before, and
• 7:52
  Speaker 2: I wasn't being rude or anything. I was like, oh, hey,
• 7:54
  Speaker 2: I was just wondering if we could change to this
• 7:56
  Speaker 2: flight because I think we're at the airport like three
• 7:58
  Speaker 2: hours early or something, so like we wanted to get
• 8:01
  Speaker 2: on the flight to go home earlier. And side note,
• 8:04
  Speaker 2: the flight that we were on we had just found
• 8:07
  Speaker 2: out was delayed by like another two hours five hour
• 8:11
  Speaker 2: age and we were like, oh, we could sit at
• 8:14
  Speaker 2: the airport for five hours, or I could see if
• 8:15
  Speaker 2: we can swap them anyway. The girl was so nice
• 8:19
  Speaker 2: and she's outing.
• 8:20
  Speaker 5: Yeah.
• 8:20
  Speaker 2: She was like, look, you're not meant to do this,
• 8:23
  Speaker 2: but I'm going to work it out for you. And
• 8:26
  Speaker 2: and we were home before we needed to be home.
• 8:28
  Speaker 2: So you know what it means. It always pays to
• 8:31
  Speaker 2: be kind.
• 8:32
  Speaker 5: Yes, and also to be like a loyalty member because
• 8:35
  Speaker 5: I think because.
• 8:36
  Speaker 2: I think because they then saw, oh you're a platinum
• 8:39
  Speaker 2: member or that's big dog status, but also because we
• 8:43
  Speaker 2: fly so often, like it just happened. It wasn't because
• 8:46
  Speaker 2: I bought that status. Like I just do a lot
• 8:49
  Speaker 2: of work, all right. Yeah, she was like, I'll make
• 8:52
  Speaker 2: it work. And the rest of the team aren't platinum,
• 8:55
  Speaker 2: but she changed all of them as well. She's good.
• 8:59
  Speaker 5: Shout out to the queen at the Velocity Lounge. We
• 9:01
  Speaker 5: love and appreciate.
• 9:02
  Speaker 2: You and Diale's really like the pumpkin soup there, honestly, beg.
• 9:08
  Speaker 2: I walk into the lounge and the first thing I
• 9:10
  Speaker 2: say to Jess is if the soup's not pumpkin, I'm
• 9:12
  Speaker 2: a riot. Like I'm not going to be happy. That's
• 9:14
  Speaker 2: such a funny thing.
• 9:15
  Speaker 4: Like when I go into soup, if I ever go
• 9:17
  Speaker 4: into the lounge I did with you guys once, I'm
• 9:19
  Speaker 4: not thinking about soup when I'm in there.
• 9:21
  Speaker 2: Sorry, really aren't you? What are you thinking about?
• 9:22
  Speaker 4: I think about the most unhealthy, like sweet treats, you know,
• 9:26
  Speaker 4: all that kind of stuff. I have twenty te's. You know,
• 9:28
  Speaker 4: I don't feel like tea. Actually I don't feel like tea.
• 9:30
  Speaker 4: But I'm going to have so many teas.
• 9:32
  Speaker 2: Yeah they're free because they're free. Yeah, free coffee, free sweet,
• 9:36
  Speaker 2: so they've got literal free wine, free beer. Like it's
• 9:39
  Speaker 2: actually insane to me. And then you're right, it is
• 9:41
  Speaker 2: a bit unhinged that I'm excited about. Just back to you.
• 9:46
  Speaker 6: Yeah.
• 9:46
  Speaker 5: Next, I've got a money went from Lisa, who said
• 9:48
  Speaker 5: she did a new mattress for years. She got the
• 9:51
  Speaker 5: email from us. This is totally me just striking our
• 9:54
  Speaker 5: own ego because we save someone some money. Got an
• 9:56
  Speaker 5: email from us reminding her she'd get one hundred bucks
• 9:58
  Speaker 5: off with that code for Koala that we had, and
• 10:00
  Speaker 5: then she stacked it with shot back and she managed
• 10:02
  Speaker 5: to save herself two hundred and fifteen dollars.
• 10:04
  Speaker 2: So I saved a heap of money because I recently
• 10:07
  Speaker 2: bought Harvey a new cot mattress and I went through
• 10:09
  Speaker 2: Coohala because we had it in the code. I'm sorry, like,
• 10:14
  Speaker 2: I'm not going to work with brands. I'm not going
• 10:15
  Speaker 2: to use myself. And when the little cop mattress came,
• 10:18
  Speaker 2: it came with a Kohala branded book. I don't know
• 10:20
  Speaker 2: if you know this, but they're like baby version is
• 10:23
  Speaker 2: called Joey. I think it's Sjoey. Anyway, they come with
• 10:27
  Speaker 2: a book, and the book is called Joanna the Goanna,
• 10:31
  Speaker 2: and it hasn't very quickly become Harvey's favorite book. And
• 10:35
  Speaker 2: I really like reading it. And this is probably like
• 10:37
  Speaker 2: complete side note, but I really like reading it because
• 10:39
  Speaker 2: it's also about like recycling and like, you know, saving
• 10:42
  Speaker 2: the planet, and like Joanna and the Goanna has one
• 10:45
  Speaker 2: eye and like they're like trying to save their planet
• 10:47
  Speaker 2: and they're like basically like you know, every small step
• 10:50
  Speaker 2: in the right direction is still a step in the
• 10:51
  Speaker 2: right direction. And I'm like, oh, this is the narrative
• 10:54
  Speaker 2: I want to be feeding my kid. So the free
• 10:56
  Speaker 2: book at the bottom of a Mattress Box has become
• 10:58
  Speaker 2: my kid's favorite book, Life Saver. If you can get
• 11:01
  Speaker 2: you it's not even about the mattress at this point,
• 11:03
  Speaker 2: you didn't get your hands on that book. It is
• 11:05
  Speaker 2: a good one for kids.
• 11:07
  Speaker 5: Go and I got around for everyone will we're all
• 11:09
  Speaker 5: shopping for Christmas. We just did Black Friday. Stack your
• 11:11
  Speaker 5: discount codes with your cash back because I saved I
• 11:14
  Speaker 5: reckon about five hundred dollars with my across a few purchases.
• 11:17
  Speaker 2: Okay, sorry, we need to know, Jessica, what were you spending,
• 11:21
  Speaker 2: because just say five you need to be probably spending.
• 11:26
  Speaker 5: That.
• 11:27
  Speaker 2: I bought some Practically, I bought some contact lenses. I
• 11:30
  Speaker 2: just tell you, Okay, that's boring.
• 11:31
  Speaker 4: It is really no bothering you.
• 11:36
  Speaker 2: I'm sure she is a discount stacker. So what else
• 11:42
  Speaker 2: are we buying? Contact lenses?
• 11:44
  Speaker 1: What else?
• 11:44
  Speaker 2: Because I want something unhinged. I don't want to hear
• 11:46
  Speaker 2: that you were making responsible purchases and planning ahead to
• 11:49
  Speaker 2: save money.
• 11:50
  Speaker 4: Or most unhinged purchase if you can, I.
• 11:52
  Speaker 5: Don't know, I mean an unhinged I got you at
• 11:55
  Speaker 5: the marketing got me. I'm a posed to chip took
• 11:57
  Speaker 5: on this. I went to buy my favorite serum, which
• 11:59
  Speaker 5: is expense if it's like one hundred and fifty dollars,
• 12:01
  Speaker 5: but it was.
• 12:01
  Speaker 2: It was enough.
• 12:02
  Speaker 5: The long com Genefe. Yeah, you are used to it
• 12:06
  Speaker 5: for like a decade.
• 12:06
  Speaker 2: It's really good.
• 12:07
  Speaker 5: It's expensive, but it's good.
• 12:08
  Speaker 2: One time I got sent that in PR and I
• 12:10
  Speaker 2: was like, oh my god, I got sent that in
• 12:12
  Speaker 2: PR and Jeff wiped it and I was like, I mean,
• 12:16
  Speaker 2: it's really good. I love it. But also Jess is obsessed,
• 12:19
  Speaker 2: so you can have it.
• 12:21
  Speaker 5: But I was very proud of it. So I went
• 12:22
  Speaker 5: on there to buy that. That was all I was buying,
• 12:23
  Speaker 5: and I had like, you got like a six piece
• 12:24
  Speaker 5: free gift.
• 12:25
  Speaker 2: I was like great.
• 12:26
  Speaker 5: And then when I was checking out, it's like, because
• 12:27
  Speaker 5: you've spent one hundred dollars, you can buy like this
• 12:29
  Speaker 5: upsell thing.
• 12:31
  Speaker 2: Normally I would imagine you.
• 12:35
  Speaker 5: They do always get used. And I looked, I had
• 12:37
  Speaker 5: a little look see it. What was in the box,
• 12:39
  Speaker 5: and I was like, immediately at cart the car, the
• 12:41
  Speaker 5: upsell was two hundred dollars. Before you freak out on me,
• 12:44
  Speaker 5: you know, it was in that box one hundred and
• 12:46
  Speaker 5: fifty dollars erum. Oh, in addition to that, there was
• 12:49
  Speaker 5: one hundred icream that I also used, so I was like,
• 12:51
  Speaker 5: the box is paid for itself. And then there was
• 12:53
  Speaker 5: like ten other free items which I then sold on
• 12:57
  Speaker 5: Facebook maket place, fore hundred dollars.
• 13:00
  Speaker 2: She's so good. I don't think we could ever catch it. No,
• 13:03
  Speaker 2: I don't think we can catch her making a bad
• 13:04
  Speaker 2: money decision, but we will continue to try cash back
• 13:08
  Speaker 2: as well. So basically I've all one. It was just
• 13:11
  Speaker 2: all free. It was great. Oh that's such.
• 13:13
  Speaker 4: An so impressive, you're so impressive stacky discounts. That's all
• 13:17
  Speaker 4: I'm saying.
• 13:17
  Speaker 2: Yeah, so sorry. That was a hack that I don't
• 13:19
  Speaker 2: think we've talked about on the podcast before, seeing an
• 13:22
  Speaker 2: opportunity like that, and I'm not saying it's a good
• 13:24
  Speaker 2: investment long term, but going I could sell that on
• 13:27
  Speaker 2: Facebook market Yes, did you look on marketplace first to
• 13:31
  Speaker 2: see what it might self for? Are you just like
• 13:33
  Speaker 2: I've done this so many times?
• 13:34
  Speaker 5: I know? Nah, I just kind of knew, and because
• 13:36
  Speaker 5: I like I in my mind, even if I didn't,
• 13:39
  Speaker 5: I was like, oh, I could gift it to someone
• 13:41
  Speaker 5: potentially or whatever. But everything came. I got two really
• 13:44
  Speaker 5: like pretty makeup bags and then so I just kind
• 13:47
  Speaker 5: of split the products across them. Checked the retail value
• 13:50
  Speaker 5: because I was all new, like I'm not being dodgy
• 13:52
  Speaker 5: or anything. Check the retail value. Each bag was worth
• 13:55
  Speaker 5: like two hundred fifty bucks or something. It was so
• 13:57
  Speaker 5: much free stuff, so each bag was worthout two and
• 13:59
  Speaker 5: fifty bucks. I chucked my marketplace and I think I
• 14:01
  Speaker 5: just listed them like sixty dollars each or something.
• 14:03
  Speaker 2: And negotiated it for fifty bucks. Eat.
• 14:05
  Speaker 5: Yeah. A girl message was like can I do both
• 14:07
  Speaker 5: for a hundred? And I was like done today, Yeah, sosh.
• 14:11
  Speaker 2: So you technically, like I'm just doing some background maths,
• 14:13
  Speaker 2: got a two hundred dollars product. You ended up paying
• 14:16
  Speaker 2: one hundred dollars, but got your free one hundred and
• 14:18
  Speaker 2: fifty dollars serum and one hundred dollar ice cream. Yeah
• 14:21
  Speaker 2: as wow, yeah, okay, I like games.
• 14:25
  Speaker 5: And then you got cash back, and then I got
• 14:27
  Speaker 5: forty bucks in cash back as well, So I just laugh.
• 14:30
  Speaker 2: I popped off. It's home keeping shot back in business.
• 14:34
  Speaker 2: Just absolutely sure. I love that. All right, Moving on
• 14:37
  Speaker 2: to brop tips, Miss bec what have you got for
• 14:41
  Speaker 2: us apart from stealing cookies?
• 14:43
  Speaker 4: Okay, So this one comes from a friend of mine.
• 14:45
  Speaker 4: These these are all kind of Christmasy, getting in.
• 14:48
  Speaker 2: The festive mood.
• 14:49
  Speaker 4: Yeah, yeah, yeah, I like it.
• 14:51
  Speaker 2: It's the mood. It's not a Christmas win, but like
• 14:53
  Speaker 2: they're festive feeling.
• 14:54
  Speaker 4: First of feeling exact, okay, a cute festive feeling. Yeah,
• 14:57
  Speaker 4: that's cute. So this first one comes from a friend
• 14:59
  Speaker 4: of mine says that if you're and this might be
• 15:01
  Speaker 4: like you know, common knowledge to some extent, but if
• 15:04
  Speaker 4: you're a hospboal worker or working healthcare or anything like that,
• 15:08
  Speaker 4: just be open to working at least one of the
• 15:11
  Speaker 4: public holidays. I remember when I worked at this, Like
• 15:13
  Speaker 4: I used to work at like line painting, you know,
• 15:15
  Speaker 4: you know the car parks and stuff, you know, we
• 15:16
  Speaker 4: used to paint all that kind of stuff. What And
• 15:18
  Speaker 4: they offered me a thousand dollars so fun, I know,
• 15:21
  Speaker 4: it was really fun. They offered me a thousand dollars
• 15:23
  Speaker 4: work Christmas Day and I was.
• 15:24
  Speaker 2: Like immediately, yes, immediately, yes, I've worked a few Christmas
• 15:27
  Speaker 2: Days totally costpo life.
• 15:29
  Speaker 4: And it's like there's no better feeling. Like I understand
• 15:31
  Speaker 4: that you're like missing out on family time and maybe
• 15:33
  Speaker 4: if you have to work in the mornings, and that's
• 15:35
  Speaker 4: when everyone does the presence. But if you, you know,
• 15:37
  Speaker 4: just have a chat with everyone and like try and
• 15:39
  Speaker 4: work around it. Like there's no better feeling than finishing
• 15:43
  Speaker 4: like a day's work and also knowing that you just
• 15:45
  Speaker 4: made so much money and then going home and just
• 15:48
  Speaker 4: being able to go and spend time with your family
• 15:50
  Speaker 4: now uninterrupted. You got so much money, You've probably made
• 15:52
  Speaker 4: all the money that you spent back.
• 15:54
  Speaker 2: I didn't make a thousand dollars though, Like I remember
• 15:57
  Speaker 2: working Christmas Day because I worked at a rest you're
• 16:00
  Speaker 2: way back when, and every year like somehow now I'm
• 16:04
  Speaker 2: thinking about it, they'd be like, oh, vibe, but everybody
• 16:06
  Speaker 2: else has families, so did I, but I had no children. Yeah,
• 16:11
  Speaker 2: and we'd work Christmas Day. But the vibes are real high.
• 16:15
  Speaker 2: All the kitchen staff were being festive, like obviously the
• 16:17
  Speaker 2: people that were there were there for their Christmas dinners.
• 16:20
  Speaker 2: Like it was actually just a really fun and they
• 16:22
  Speaker 2: only made us do either a lunch or a dinner service,
• 16:25
  Speaker 2: like we didn't ever have to do the back to
• 16:27
  Speaker 2: back and I kind of vibed it.
• 16:29
  Speaker 5: I feel like there's some unwritten rule that like Christmas
• 16:31
  Speaker 5: public Holidays, Christmas Day, Boxing Day, all that, like everyone
• 16:35
  Speaker 5: kind of can do the bare minimum like Boxing Day.
• 16:37
  Speaker 5: Obviously you're run off your feet if you're in retail
• 16:39
  Speaker 5: or something, but like there's a spoken, unspoken rule, like
• 16:41
  Speaker 5: you get a good plate of food, Like you get
• 16:43
  Speaker 5: a little bit extra time on your break, Like everyone's
• 16:45
  Speaker 5: just chill because you're putting in. It makes me now
• 16:49
  Speaker 5: think of all of our like frontline workers, so like
• 16:51
  Speaker 5: all of the nurses, the doctors, like literally everyone who's
• 16:55
  Speaker 5: gonna have to work Christmas Day while I now get
• 16:58
  Speaker 5: to have a full Christmas Day, which is really nice.
• 17:00
  Speaker 2: But I didn't always have that. But just shout out
• 17:03
  Speaker 2: to you because like serious is like that's the reason
• 17:06
  Speaker 2: why we are safe on Christmas Day when all of
• 17:09
  Speaker 2: the kids get their new trampoline, double bounce their siblings
• 17:12
  Speaker 2: straight off the trampoline to end up in an emergency
• 17:16
  Speaker 2: and we're okay because you're there.
• 17:18
  Speaker 5: Yeah, everyone working for Christmas Day.
• 17:20
  Speaker 2: Speaking of double bouncing. Complete side note, I feel like
• 17:24
  Speaker 2: in twenty twenty four, like I'm seeing all of the
• 17:27
  Speaker 2: trampolines with like the sideting and stuff.
• 17:29
  Speaker 1: Yeah.
• 17:30
  Speaker 2: I don't know about you, but my favorite game on
• 17:32
  Speaker 2: our old school. Definitely above ground, no net, no bumper, metal,
• 17:38
  Speaker 2: just metal or metal my favorite. Do you remember the
• 17:41
  Speaker 2: game Crack the Egg?
• 17:43
  Speaker 5: Oh my god, yeah, my sister game.
• 17:47
  Speaker 2: My sister and I used to play that game. And like,
• 17:50
  Speaker 2: what for those of you who don't know what you're
• 17:52
  Speaker 2: talking about, one person bundles up like a little ball
• 17:55
  Speaker 2: and position on the trampoline or the other person and
• 18:00
  Speaker 2: jumps aggressively on the trampoline trying to bounce them off.
• 18:04
  Speaker 2: Our game was bounce the other person completely off the
• 18:07
  Speaker 2: Trail's aggressive?
• 18:09
  Speaker 4: Wow, because you can't do that anymore with the nets.
• 18:11
  Speaker 2: I don't know. I'm just really concerned, like my babies
• 18:13
  Speaker 2: in the next few months probably going to start walking.
• 18:17
  Speaker 2: Is this what I mean? For absolutely?
• 18:20
  Speaker 5: My intrusive thought with the nets is just that I
• 18:23
  Speaker 5: want to hurtle myself at them as fast as human.
• 18:28
  Speaker 5: But I'm assuming the chances are I wouldn't just go through.
• 18:32
  Speaker 5: We should go to Trounce. Actually we should wanted to go.
• 18:35
  Speaker 5: Have you not been I want to go to all right?
• 18:38
  Speaker 2: Well, well god, but I do have to be really
• 18:42
  Speaker 2: clear before we get them, before you consent to coming
• 18:44
  Speaker 2: with me. I have never gone to bounce and not
• 18:48
  Speaker 2: had someone who's been with me break a bone. Oh
• 18:52
  Speaker 2: my god, Like every time I've.
• 18:58
  Speaker 5: Been that's crazy times is like twice three times?
• 19:01
  Speaker 2: I have been three times, every single time, every single time. Wow. Yeah.
• 19:07
  Speaker 2: The first time I went, my ex boyfriend broke his
• 19:09
  Speaker 2: leg about really egg, yeah whatever whatever. The next time
• 19:14
  Speaker 2: my friend fractured the bone in the top of her
• 19:16
  Speaker 2: foot by like landing on the side of a trampoline
• 19:21
  Speaker 2: really hard, came down and like land and weird. And
• 19:24
  Speaker 2: the next time one of my friends broke his arm.
• 19:27
  Speaker 4: Oh god.
• 19:28
  Speaker 2: Track record says it's mainly males who do okay, actual really,
• 19:33
  Speaker 2: but we go, we should go.
• 19:34
  Speaker 4: It's just us and I'm the most mask of the group.
• 19:38
  Speaker 4: That means it's.
• 19:41
  Speaker 2: Can You'll be fine? Do you think so? Going about
• 19:44
  Speaker 2: men make dumb decisions? Yeah? Yeah, I'm so excited. Sorry,
• 19:50
  Speaker 2: but we're not double bouncing each other. Okay, crack the egg.
• 19:54
  Speaker 2: Maybe you and me can do it, just for sure.
• 19:57
  Speaker 2: What's your next break tip?
• 19:58
  Speaker 4: Okay, so the next one is also probably common knowledge?
• 20:05
  Speaker 2: Like knowledge, ain't that common exactly? And also I.
• 20:08
  Speaker 4: Feel like it's a good These are just good reminders,
• 20:10
  Speaker 4: you know, like a lot of I feel like a
• 20:12
  Speaker 4: lot of families. Maybe it's just my family, but I
• 20:14
  Speaker 4: do hear of like friends and stuff. They like, Oh,
• 20:16
  Speaker 4: we're having Christmas dinner at mine, so that means I
• 20:18
  Speaker 4: gotta get everything, and you know, it's very stressful. They've
• 20:20
  Speaker 4: got to do all the cooking. But no more of
• 20:22
  Speaker 4: that from now until forever. If you have people coming
• 20:25
  Speaker 4: to your house or you're going to someone else's house,
• 20:26
  Speaker 4: the rule is now, everyone must bring a dish.
• 20:28
  Speaker 2: One dish.
• 20:29
  Speaker 4: Everyone just does one dish and that's it, even if
• 20:32
  Speaker 4: it's two of you.
• 20:32
  Speaker 2: We did want it recently for the Zella team, like
• 20:35
  Speaker 2: I wasn't Christmas. They wanted to do Thanksgiving but Friendsgiving,
• 20:39
  Speaker 2: and so everybody just brought a dish. Yeah, it made
• 20:42
  Speaker 2: it so easy.
• 20:43
  Speaker 4: That's it's what you need. That one comes from Amanda.
• 20:45
  Speaker 4: I should say sorry, even give the name of the
• 20:46
  Speaker 4: other one that my other friend is friend.
• 20:48
  Speaker 2: People are like, oh, that's such common knowledge. You need
• 20:52
  Speaker 2: to do a little bit of a reminder or a
• 20:53
  Speaker 2: little bit of a like self check and be like,
• 20:55
  Speaker 2: I know that, but not everybody know that. Yeah, yeah, yeah,
• 20:58
  Speaker 2: And like I learned very early on, like in my
• 21:02
  Speaker 2: early twenties when I moved out into sharehouses. That we
• 21:05
  Speaker 2: don't all have the same experience growing up, Like we
• 21:08
  Speaker 2: don't all learn how to do the same things. Like
• 21:10
  Speaker 2: I remember one of my girlfriends that I lived with.
• 21:13
  Speaker 2: She was like, Hey, they's really embarrassing. Can you show
• 21:15
  Speaker 2: me how? Like you always iron, Like I'm a psycho.
• 21:18
  Speaker 2: I know, Jess, do you even own ann I do not.
• 21:20
  Speaker 5: Yep.
• 21:21
  Speaker 2: She refuses to buy things that you have to iron.
• 21:24
  Speaker 2: I hail that you do you, But I'm an iron girl.
• 21:27
  Speaker 2: I love a crispy shirt. She was like, can you
• 21:30
  Speaker 2: teach me how to iron a shirt? She just didn't
• 21:32
  Speaker 2: know how. And I remember at that time I was like,
• 21:35
  Speaker 2: oh my god, how do you not know how to
• 21:36
  Speaker 2: iron a shirt? And in retrospect, I'm like, ah, there
• 21:40
  Speaker 2: you were being a bit rude, Like we don't just
• 21:43
  Speaker 2: learn this stuff. If someone didn't teach you or share
• 21:47
  Speaker 2: with you a small tip or a small trick along
• 21:49
  Speaker 2: the way, we can ask our friends. I don't know
• 21:52
  Speaker 2: that you might have been like, oh, like it's not
• 21:54
  Speaker 2: that common, but you can all bring a plate. Like
• 21:56
  Speaker 2: you might have grown up in a family where when
• 21:58
  Speaker 2: you're hosting, everything is on you and that's the expectation,
• 22:02
  Speaker 2: and you're like, oh, well, you know, if Jess said
• 22:04
  Speaker 2: she's coming to my house, like I'll say, oh no,
• 22:06
  Speaker 2: don't bring anything, Jess, Like that's your default. You don't
• 22:09
  Speaker 2: have to do that. And I think just being given
• 22:11
  Speaker 2: permission or having these conversations goes, oh, hold on. So
• 22:15
  Speaker 2: you're saying you could make Jess bring snacks to my house. Yeah,
• 22:20
  Speaker 2: I used a great deal and her cookies.
• 22:24
  Speaker 4: I used to get so anxious because I also grew
• 22:26
  Speaker 4: up in a house where we didn't like host dinners
• 22:28
  Speaker 4: or even like, you know, I didn't even know what
• 22:31
  Speaker 4: a quilt and like the difference between a blanket or
• 22:34
  Speaker 4: a quilt or a comforter was. And so when I
• 22:36
  Speaker 4: went out and bought my first what blanket set.
• 22:39
  Speaker 2: A moment to know that.
• 22:40
  Speaker 4: I think it's like, well, a comforter is maybe something
• 22:42
  Speaker 4: you put on your lounge or something like or like
• 22:43
  Speaker 4: something you put.
• 22:43
  Speaker 5: Over the twitters comforter is it's kind of like a dobate.
• 22:50
  Speaker 5: It's usually a little bit thinner. Do they or do
• 22:53
  Speaker 5: they doner? She's interchange. Quilt is like the you don't
• 23:00
  Speaker 5: take the outside off, whereas your doner is like your
• 23:02
  Speaker 5: white plush thing that you put on your.
• 23:04
  Speaker 2: Like your heavy thing.
• 23:05
  Speaker 5: You change the pre The quilt is often decorative, but
• 23:08
  Speaker 5: some people like them because they're lighter.
• 23:10
  Speaker 2: I have a doner, then you have a doner, yes, totally.
• 23:13
  Speaker 4: Even like napkin, Like you know when you go to
• 23:15
  Speaker 4: a place and they give you a nap I didn't
• 23:17
  Speaker 4: know what to do with that until literally, I'm not
• 23:19
  Speaker 4: joking this year, like I was, I don't know what
• 23:21
  Speaker 4: what what?
• 23:22
  Speaker 2: Like the material one, yeah, I'm like I don't know,
• 23:25
  Speaker 2: and then.
• 23:26
  Speaker 5: The lap I was like what they do it for you?
• 23:31
  Speaker 6: Yeah?
• 23:32
  Speaker 2: Okay, Well now I feel uncomfortable. So if you know,
• 23:35
  Speaker 2: whenever we've been out for dinner or like lunch or something,
• 23:37
  Speaker 2: have you noticed I always do it before they can
• 23:39
  Speaker 2: get to me.
• 23:39
  Speaker 5: I need to start doing that.
• 23:40
  Speaker 2: I don't I don't want you doing that uncomfortable. I
• 23:42
  Speaker 2: know that it's like part of the service.
• 23:44
  Speaker 5: But I just feel silly, like I'm like, oh, like
• 23:50
  Speaker 5: I can, I can just put it on my laps.
• 23:52
  Speaker 5: I don't want to feel like I don't want you
• 23:54
  Speaker 5: to have to do that for like I know that anyway, No,
• 23:56
  Speaker 5: I know it doesn't make you feel a tiny baby?
• 23:58
  Speaker 5: Yeah herd is that you right? Like there's so many
• 24:00
  Speaker 5: silly little things that people just don't know.
• 24:02
  Speaker 4: Yeah, because everyone grew up different, we need to different.
• 24:05
  Speaker 2: I was thinking about this for like a like series
• 24:08
  Speaker 2: on my Instagram or something. You've just like stuff that
• 24:10
  Speaker 2: your big sister's teaching you or something like that, because.
• 24:13
  Speaker 5: They are my favorite, like these TikTok Yeah, because there's
• 24:16
  Speaker 5: TikTokers or you. So we're getting so far up track everybody.
• 24:18
  Speaker 2: But I feel like it's related to the she's on
• 24:20
  Speaker 2: the money community. I love the idea.
• 24:22
  Speaker 5: One of my favorite teetalk is this a little old
• 24:24
  Speaker 5: British lady named Anne who teaches you how.
• 24:27
  Speaker 2: To clean stuff.
• 24:28
  Speaker 5: Yes, and she so we'll put it in the show notes.
• 24:31
  Speaker 5: Showned out to Ann. I love that woman.
• 24:34
  Speaker 2: Oh my god. She's so wholesome too, Like you can
• 24:36
  Speaker 2: tell by her tone that she's so non judgmental. She
• 24:39
  Speaker 2: like she stitches videos and she'll be like, oh hey baby,
• 24:44
  Speaker 2: I see that you've done x y Z. What I
• 24:46
  Speaker 2: would actually do is get out the sides and use some.
• 24:48
  Speaker 5: Cold water and this and you just like, I love
• 24:53
  Speaker 5: I'll show you after.
• 24:54
  Speaker 2: But I feel like I feel like I am that
• 24:56
  Speaker 2: person ADHD. So I'm Jack of all tray it's scared
• 25:00
  Speaker 2: of none. So I give everything a crack. And I
• 25:03
  Speaker 2: grew up with a mum who has not been diagnosed
• 25:07
  Speaker 2: with ADHD. But if you see the two of us together,
• 25:09
  Speaker 2: you'll be like, Wow, the apple doesn't fall that far
• 25:11
  Speaker 2: from the tree. And that's a compliment. So if you're
• 25:14
  Speaker 2: my mum and you're listening, like, that's not a bad thing.
• 25:16
  Speaker 2: But like, I don't know one thing that that woman
• 25:19
  Speaker 2: can't do. She can sew, she can bake, she can cook,
• 25:23
  Speaker 2: she can clean. She like if you were like, oh,
• 25:25
  Speaker 2: I need to build a chicken coop, she'd be like
• 25:27
  Speaker 2: say less, Like this woman can do everything. And growing
• 25:32
  Speaker 2: up I was in the very privileged position of, oh,
• 25:35
  Speaker 2: do you want to do that? We'll work it out.
• 25:37
  Speaker 2: And so I'm just hey, Jess, I can sew, I
• 25:40
  Speaker 2: can bake, I can stitch. People like, where did you
• 25:42
  Speaker 2: learn how to do crostitch? I'm like, can't you all
• 25:44
  Speaker 2: do crosstache? You just learn it and you just do
• 25:47
  Speaker 2: it anyway. I think that that would be a fun series. Beck,
• 25:50
  Speaker 2: have you got anything else for us?
• 25:52
  Speaker 5: Yes?
• 25:52
  Speaker 2: Okay?
• 25:52
  Speaker 4: And so my one these are all kind of like
• 25:55
  Speaker 4: similar ish. This one's not really a Brooke tip. But
• 25:58
  Speaker 4: I guess it's just a good idea if for any
• 26:00
  Speaker 4: friend group or any family group that wants to try
• 26:02
  Speaker 4: to not spend any money this year, this year, or
• 26:05
  Speaker 4: actually this has gone on for a few years now,
• 26:07
  Speaker 4: but my one of my friend groups, we do this
• 26:10
  Speaker 4: thing called shitty Christmas. And these are the rules of
• 26:13
  Speaker 4: shitty Christmas. No spending one cent on the gift or
• 26:17
  Speaker 4: wrapping winner is the.
• 26:18
  Speaker 2: Shittiest gift of them all.
• 26:19
  Speaker 4: Sorry everyone for all the swearing, And we'll have their
• 26:22
  Speaker 4: name engraved on the golden turd.
• 26:24
  Speaker 2: I actually do you have it? Are you telling me
• 26:27
  Speaker 2: you have a truth?
• 26:29
  Speaker 4: We have a golden turd that you will be just
• 26:31
  Speaker 4: like those you know, those cheap engraves. You can probably
• 26:33
  Speaker 4: get them from, Like I don't know.
• 26:34
  Speaker 2: Yeah, no, I do know. It's spotlight stuff.
• 26:36
  Speaker 4: If you leave behind your present wrapping, twenty doll penalty
• 26:39
  Speaker 4: goes into the Christmas pool for next year. So I
• 26:41
  Speaker 4: guess you'll leave behind you're rubbish exactly, and so that
• 26:45
  Speaker 4: that amount of money will go into the pool for
• 26:47
  Speaker 4: next year. So if you want to, you know, maybe
• 26:49
  Speaker 4: get a new golden turd or whatever that is.
• 26:52
  Speaker 3: So that is.
• 26:53
  Speaker 2: Fine people, and then with the fine money, they're buying
• 26:55
  Speaker 2: golden turds.
• 26:56
  Speaker 4: Jessica, it's money well spend.
• 27:01
  Speaker 2: I'm screaming, crying on the inside. Perfect, So this is shit.
• 27:05
  Speaker 5: What's your shittiest gift that you've ever gotten?
• 27:08
  Speaker 4: Okay, so I I want to know who's winning. Yeah,
• 27:11
  Speaker 4: last year I didn't go, but someone like, okay, so
• 27:12
  Speaker 4: someone did a I can't fully remember what it was,
• 27:15
  Speaker 4: but it was very funny. It was like a cute
• 27:17
  Speaker 4: someone gave just like a piece of paper with a
• 27:18
  Speaker 4: QR code on it, and you scan the QR code.
• 27:20
  Speaker 4: It's Ellen DeGeneres doing something. I can't remember what it was,
• 27:22
  Speaker 4: but I'll try and fine for you guys, just like
• 27:24
  Speaker 4: really silly things like that, and you have to be like,
• 27:27
  Speaker 4: it's so fun because yet so creative.
• 27:29
  Speaker 2: It is so funny.
• 27:30
  Speaker 4: It is so silly, and you don't spend a single cent. Ideally,
• 27:35
  Speaker 4: if you spend ten cents on printing off a QR code,
• 27:39
  Speaker 4: maybe that's cheating, but that's okay. So just a good
• 27:42
  Speaker 4: idea for anyone who is like, I don't want to
• 27:44
  Speaker 4: cost for money, let's try and do that, you know,
• 27:47
  Speaker 4: something like that.
• 27:48
  Speaker 2: So I think that's really fun because Q really forces
• 27:52
  Speaker 2: you to be creative.
• 27:53
  Speaker 4: Yes, and the twin dolls can go to the food
• 27:54
  Speaker 4: next year whatever you know.
• 27:55
  Speaker 2: So I think that's really fun. All Right, let's go
• 27:57
  Speaker 2: to a really quick break because on the whip side
• 28:00
  Speaker 2: we're going to be talking about a partner who thinks
• 28:03
  Speaker 2: that a treat yourself present is like a ute or
• 28:05
  Speaker 2: a boat in the well. And then we're going to
• 28:08
  Speaker 2: be chatting about something do you slid into our dms
• 28:10
  Speaker 2: about And that's the pressure of feeling like Christmas is
• 28:13
  Speaker 2: just one big spender th on it. So guys, don't
• 28:16
  Speaker 2: go anywhere.
• 28:21
  Speaker 5: Welcome back everyone. Let's take a listen to this week's
• 28:24
  Speaker 5: money dilemma.
• 28:27
  Speaker 2: Hi, there, have you got a money dilemma you just
• 28:29
  Speaker 2: can't solve? The She's on the Money team is here
• 28:32
  Speaker 2: to help. Every week, we tackle your dilemmas, both big
• 28:35
  Speaker 2: and small, to answer your most burning money, career and
• 28:38
  Speaker 2: life questions. To get involved, simply head to our website
• 28:41
  Speaker 2: and leave us a short voice recording and you might
• 28:43
  Speaker 2: just find yourself on the show. Now, let's take a
• 28:46
  Speaker 2: listen to this week's money dilemma.
• 28:51
  Speaker 4: Hi.
• 28:51
  Speaker 2: Yeah, I was just a little bit of a money dilemma.
• 28:54
  Speaker 6: What would you do if your boyfriend of three years
• 28:56
  Speaker 6: has just gone out and brought a brand new UT
• 29:00
  Speaker 6: at a forty five thousand dollar loan, a nineteen percent
• 29:04
  Speaker 6: interest rate, and over five years. Don't get me wrong,
• 29:08
  Speaker 6: I really like this year. I love it, actually, But
• 29:11
  Speaker 6: we didn't need to get in debt for this because
• 29:13
  Speaker 6: we've already got another U. We also have a boat,
• 29:16
  Speaker 6: Whereas now you would like to go and get a
• 29:18
  Speaker 6: twenty thousand dollar loan now to buy a bigger boat,
• 29:22
  Speaker 6: but it's not much bigger, and we've already got a boat,
• 29:25
  Speaker 6: and we've already got a U, and now we got
• 29:26
  Speaker 6: a new you. I really don't know what I can
• 29:29
  Speaker 6: say to him, and I really don't know how I
• 29:31
  Speaker 6: can express the way I'm feeling. I'm feeling really unsure, unsettled,
• 29:36
  Speaker 6: and I'm starting to stress a lot. Before this, our
• 29:40
  Speaker 6: finances were great, our five year goo of a baby
• 29:44
  Speaker 6: buying a moving state was really on track. We're in
• 29:47
  Speaker 6: our early twenties. I know we don't have anything to
• 29:50
  Speaker 6: lose right now, but I'm really worried. Thanks.
• 29:53
  Speaker 2: Any advice would be amazing.
• 29:55
  Speaker 6: Or what can I say?
• 29:57
  Speaker 2: What would you do?
• 29:58
  Speaker 6: Would be super super great?
• 30:00
  Speaker 2: Thanks, guys. Also, I love you. I love you a lots.
• 30:04
  Speaker 4: First of all, I don't know who this lovely person is,
• 30:06
  Speaker 4: but they sound like such a ball of fun. Yeah,
• 30:09
  Speaker 4: just I need to know them. She's so funny. She's
• 30:12
  Speaker 4: like she was like, well, I love the you too.
• 30:14
  Speaker 4: But you know, I'm like, oh my god, what a legend. Congratulations,
• 30:20
  Speaker 4: congratulations on your new things. That is incredible. We've already
• 30:25
  Speaker 4: got a vote.
• 30:27
  Speaker 2: That's incredible. You've already achieved very pretty good money goal. Yeah.
• 30:31
  Speaker 2: I guess it sounds like you.
• 30:33
  Speaker 4: You know, we don't have heaps of context, but it
• 30:35
  Speaker 4: sounds like they're already pretty well off if they have
• 30:38
  Speaker 4: those things. And I mean, I could be completely wrong.
• 30:42
  Speaker 4: Maybe they worked for a long time to buy those
• 30:45
  Speaker 4: things and now they're just kind of like, you know,
• 30:47
  Speaker 4: comfortable or less then.
• 30:49
  Speaker 2: But I guess it is a.
• 30:53
  Speaker 4: Thing we hear a lot, and it's if you have
• 30:57
  Speaker 4: shared financial goals, which it sounds like you guys do,
• 31:00
  Speaker 4: it's really not okay for your part to to beking
• 31:03
  Speaker 4: that like such big grand financial decisions that will actually
• 31:08
  Speaker 4: affect you and your shared financial goals.
• 31:12
  Speaker 2: I don't think it's okay.
• 31:13
  Speaker 4: I mean, if you feel like you want validation. That's
• 31:16
  Speaker 4: all I'm going to tell you. I don't have any
• 31:18
  Speaker 4: financial advice, obviously because I am not the one. But
• 31:24
  Speaker 4: Jess might have something better.
• 31:27
  Speaker 5: I think if it's hard because she didn't say whether
• 31:30
  Speaker 5: or not they share finances, because I think the more intertwined. Like,
• 31:34
  Speaker 5: I agree, if you have shared financial goals, you should
• 31:36
  Speaker 5: absolutely still be talking. But I think, particularly if you
• 31:39
  Speaker 5: share finances, you really have a strong case to be like, hey,
• 31:42
  Speaker 5: my dude, like not okay. I think that, honestly, exactly
• 31:46
  Speaker 5: what you said to us is what I think you
• 31:48
  Speaker 5: should say to him. It's you're at the point where
• 31:50
  Speaker 5: obviously these things are not things that you can just
• 31:52
  Speaker 5: return to the store. But I guess there's a conversation
• 31:55
  Speaker 5: around okay, well are we selling the other ute and
• 31:57
  Speaker 5: the other boat, Like we don't need two of each,
• 32:00
  Speaker 5: let's be practical, let's make some money back. And then
• 32:03
  Speaker 5: I think the bigger conversation is around I think we've
• 32:05
  Speaker 5: mentioned this before, but like setting your threshold for purchases.
• 32:09
  Speaker 5: So if you share finances or share financial goals, I
• 32:12
  Speaker 5: think having a number and that numbers is going to
• 32:14
  Speaker 5: look different for everyone. But for example, if I'm going
• 32:17
  Speaker 5: to spend over one thousand dollars. You know, I'm going
• 32:20
  Speaker 5: to talk to my partner about it and be like, hey,
• 32:22
  Speaker 5: like I want to do this. It's not necessarily asking
• 32:25
  Speaker 5: for permission, but it's creating an opportunity to discuss how
• 32:28
  Speaker 5: is this going to impact the things that we want
• 32:30
  Speaker 5: to do, Because, for example, taking out a loan on
• 32:32
  Speaker 5: a car, if you're going to want to move states
• 32:34
  Speaker 5: or buy a house, that's going to impact your ability
• 32:37
  Speaker 5: to do that. And so even if he's paying for
• 32:40
  Speaker 5: that completely out of his own money, like, it still
• 32:43
  Speaker 5: warrants a conversation. I think this applies on both sides.
• 32:45
  Speaker 5: The same applies to her as well, Like it's an
• 32:47
  Speaker 5: equal thing where it should be across both partners that
• 32:50
  Speaker 5: you're having conversations about these big things. And I don't
• 32:52
  Speaker 5: think it needs to be any harder than that. And
• 32:55
  Speaker 5: if he's a nice person and he loves you, he
• 32:57
  Speaker 5: will hear you out. Is kind of my thoughts on that.
• 33:00
  Speaker 2: I agree, I have two streams of conversation to have,
• 33:04
  Speaker 2: So let's have the first conversation, and that's around shared
• 33:06
  Speaker 2: financial goals. So I've done some maths and as you
• 33:10
  Speaker 2: guys know, I own a finance company, so my team
• 33:13
  Speaker 2: actually finance cars all the time. Yes, it's not amazing debt,
• 33:17
  Speaker 2: but I think we also are very on the same
• 33:19
  Speaker 2: page about understanding that sometimes we just need to finance
• 33:22
  Speaker 2: car Like your family's growing, you need a bigger car,
• 33:25
  Speaker 2: or you need a ute like not in this particular situation,
• 33:28
  Speaker 2: but you need a ute for work otherwise you can't work. Right.
• 33:30
  Speaker 2: So we do a lot of car financing, And I'm
• 33:33
  Speaker 2: going to give you a really good comparison that's going
• 33:35
  Speaker 2: to make your eyes water in a hot second. But
• 33:38
  Speaker 2: I just went with the standard, Like you're paying every month,
• 33:41
  Speaker 2: five year term ten dollars a month fees, which is
• 33:44
  Speaker 2: pretty standard, but at nineteen percent, that means you're paying
• 33:47
  Speaker 2: eleven hundred and seventy seven dollars a month. Can you
• 33:50
  Speaker 2: imagine if you were saving for a home together and
• 33:54
  Speaker 2: now your partner has decided to take eleven hundred and
• 33:56
  Speaker 2: seventy seven dollars from your shared goals and putting it
• 33:59
  Speaker 2: towards a car loan, Like that's not very live lah laugh,
• 34:04
  Speaker 2: that's not very prioritizing our financial goals, Like I would
• 34:07
  Speaker 2: be personally to put it lightly off it if My
• 34:11
  Speaker 2: husband came home and said, I've just signed up to
• 34:14
  Speaker 2: a five year loan at nineteen percent. I haven't consulted you.
• 34:18
  Speaker 2: It's going to mean that if we wanted to achieve
• 34:20
  Speaker 2: any other financial goals, it's not going to happen. So
• 34:23
  Speaker 2: eleven hundred and seventy seven dollars a month for a
• 34:26
  Speaker 2: whole year, that's fourteen thy one hundred and twenty four dollars.
• 34:30
  Speaker 4: That's like someone's rent.
• 34:31
  Speaker 2: It's not just someone's rent. It's like literally someone's rent.
• 34:36
  Speaker 2: Like it's it's someone's rent. It is a year's worth
• 34:40
  Speaker 2: of savings. That is a whole lass, massive emergency fund
• 34:44
  Speaker 2: that is multiple holidays throughout the year that could be
• 34:46
  Speaker 2: a holiday, and a new reasonably priced second hand car.
• 34:50
  Speaker 2: That is school fees for an entire year of private school.
• 34:56
  Speaker 2: Like we're trying to contextualize this a little bit because
• 34:59
  Speaker 2: that is a lot. But I also did some further maths,
• 35:02
  Speaker 2: So this is the second stream. So the first one
• 35:04
  Speaker 2: was like, I can't believe someone is making and I
• 35:07
  Speaker 2: would feel really upset if my husband was making big
• 35:10
  Speaker 2: financial decisions that compromise my financial security into the future
• 35:15
  Speaker 2: without me totally, Like if it was a joint decision,
• 35:17
  Speaker 2: and you both had sat down, you did your numbers,
• 35:19
  Speaker 2: and you said, right, well, we're both on the same page.
• 35:21
  Speaker 2: We both want this you, we both are happy with
• 35:23
  Speaker 2: the terms of the arrangement. Who am I to judge?
• 35:26
  Speaker 2: But right now you're telling me that your partner prioritized
• 35:29
  Speaker 2: his wants over your shared goals. Yeah, and that's a
• 35:32
  Speaker 2: bit thick if I'm being honest. On the flip side,
• 35:36
  Speaker 2: I did the maths because nineteen percent is an incredibly
• 35:39
  Speaker 2: high interest rate on car finance. That is what on average,
• 35:43
  Speaker 2: I would say a credit card in Australia is So
• 35:46
  Speaker 2: forty five thousand dollars at a nineteen percent interest rate
• 35:49
  Speaker 2: over five years means that you're paying a total of
• 35:53
  Speaker 2: seventy thousand, six hundred and thirty nine dollars for a
• 35:56
  Speaker 2: forty five thousand dollar carp Wah.
• 35:59
  Speaker 4: Cook, oh my god, that sounds illegal.
• 36:02
  Speaker 2: That means you are overpaying twenty five thousand, six hundred
• 36:06
  Speaker 2: and thirty nine dollars for this car. And we know
• 36:08
  Speaker 2: that the second so you went and bought this car,
• 36:10
  Speaker 2: brand new, fantastic, you drove it off the lot it
• 36:13
  Speaker 2: already lost value. So you've already lost like thirty five
• 36:17
  Speaker 2: I'd say thirty to thirty five thousand dollars by making
• 36:20
  Speaker 2: this decision, because you can't sell that car for what
• 36:23
  Speaker 2: you owe, nor can you sell that car for what
• 36:26
  Speaker 2: it ultimately costs you over that five year time period.
• 36:31
  Speaker 2: Are we saying that all car finance is bad? Absolutely?
• 36:33
  Speaker 2: Not nineteen percent exorbitant. I would never let a client
• 36:37
  Speaker 2: do that. So if you came to me and Sayvie,
• 36:38
  Speaker 2: I want to I want a car loan, I would
• 36:40
  Speaker 2: be like, probably not that one. We recently at Zella
• 36:44
  Speaker 2: financed a car loan sixty thousand dollars car six point
• 36:48
  Speaker 2: seven two percent, which, by the way, is what on
• 36:52
  Speaker 2: average I would say home loans at the moment, we're
• 36:54
  Speaker 2: getting them for like six point two percent, so like
• 36:57
  Speaker 2: not that much more than property. And I'm not saying
• 36:59
  Speaker 2: that it's good, but I'm giving you a bit of
• 37:01
  Speaker 2: context here. That means that every month. Context First, for
• 37:05
  Speaker 2: the forty five thousand dollar ut that was costing them
• 37:09
  Speaker 2: eleven hundred and seventy seven dollars per month, Right for
• 37:13
  Speaker 2: our clients at Zello who ended up, you know, getting
• 37:16
  Speaker 2: car finance and really needing it for six point seven
• 37:19
  Speaker 2: two percent. They were paying eleven hundred and ninety dollars
• 37:21
  Speaker 2: a month for sixty thousand dollar car, right, and they
• 37:24
  Speaker 2: were paying a total of seventy one thousand dollars over
• 37:27
  Speaker 2: the life of the loan. So, yes, the loan would
• 37:30
  Speaker 2: cost them about eleven thousand dollars, but it's not twenty
• 37:33
  Speaker 2: five thousand, six hundred and thirty nine dollars. Yes, I see,
• 37:37
  Speaker 2: like we're not. I feel like when we make these decisions,
• 37:39
  Speaker 2: we'll go that's a bit of interest, whatever it makes
• 37:41
  Speaker 2: my monthly payments a little bit more Like we've all
• 37:43
  Speaker 2: been there, like Beck, you and I have been in debt. Jess,
• 37:45
  Speaker 2: you've been in debt as well, probably not as significantly
• 37:48
  Speaker 2: as Beck and I. Thank god God she's the smarter
• 37:51
  Speaker 2: one of the kids' smart one and she will give
• 37:53
  Speaker 2: that to her. She's way better at baking. But that
• 37:57
  Speaker 2: is crippling, and that mindset exists, right, Like I remember
• 38:00
  Speaker 2: when I got my personal loan, I was like, whatever,
• 38:02
  Speaker 2: it's a monthly payment. I'm happy to pay that monthly
• 38:04
  Speaker 2: payment for this lifestyle, or I'm happy to you know,
• 38:07
  Speaker 2: do that value exchange. But no one sat me down
• 38:09
  Speaker 2: and said, well, this is actually what it costs. Like,
• 38:12
  Speaker 2: does your partner no that that forty five thousand dollar
• 38:16
  Speaker 2: car is actually costing him about seventy grand? Is he
• 38:19
  Speaker 2: aware of that? Is he comfortable with that if I
• 38:22
  Speaker 2: put that on paper? Is that a good financial decision?
• 38:26
  Speaker 2: On the flip side, remember that client that I was
• 38:28
  Speaker 2: telling you about sixty grand. Yeah, they're paying seventy one
• 38:31
  Speaker 2: thousand dollars over the long term. That's actually a work vehicle,
• 38:35
  Speaker 2: so they actually need that to generate an income. And
• 38:38
  Speaker 2: they're very happy with the idea that over the next
• 38:41
  Speaker 2: five years they'll pay about eleven thousand dollars to have
• 38:43
  Speaker 2: access to that car. But that means that they're going
• 38:46
  Speaker 2: to be able to generate a full time income. So
• 38:49
  Speaker 2: they're like, oh, eleven grand, I'm probably paying about two
• 38:51
  Speaker 2: and a half grand a year for the privilege of
• 38:54
  Speaker 2: having a car loan And they're like, oh that like
• 38:57
  Speaker 2: it's a lot of money still, but two and a
• 38:59
  Speaker 2: half thousand dollars year ye, that I'm happy to pay
• 39:02
  Speaker 2: that in order to get the car now instead of
• 39:04
  Speaker 2: saving for five years to be able to afford it.
• 39:06
  Speaker 2: And I think that that's where we need to go
• 39:08
  Speaker 2: back to it. That's a great point like no one
• 39:11
  Speaker 2: gives the context, and I guess that's where I shoot
• 39:14
  Speaker 2: myself in the foot. And I won't say we lose clients.
• 39:16
  Speaker 2: I think we gain clients, but then we don't make
• 39:18
  Speaker 2: any money off them, because so many times people come
• 39:21
  Speaker 2: to Zella and they say, oh, VI, we really want
• 39:24
  Speaker 2: a car loan, and like we're happy to do them, Like,
• 39:26
  Speaker 2: if that's in line with your values, Slay, I can
• 39:28
  Speaker 2: organize that. But sometimes our brokers get involved and they're like,
• 39:31
  Speaker 2: are you sure you want to do that just a
• 39:32
  Speaker 2: car Do you want to just have a chat about that,
• 39:34
  Speaker 2: because we kind of have our morals hat on as well,
• 39:37
  Speaker 2: and we want to make sure that you're in the
• 39:39
  Speaker 2: best possible position. But that tells me that he hasn't
• 39:43
  Speaker 2: thought about the long term plan, because what logical person
• 39:46
  Speaker 2: goes I impulse purchased forty five thousand dollar use with
• 39:50
  Speaker 2: nineteen percent finance, and I'm totally okay with that because
• 39:55
  Speaker 2: me being me, you could have got better finance elsewhere.
• 39:59
  Speaker 2: I'm ass so that nineteen percent, I'm assuming it was
• 40:03
  Speaker 2: like in dealer, So like you walked in on the
• 40:05
  Speaker 2: lot and there was probably a finance person sitting at a
• 40:08
  Speaker 2: desk over to the left, and you went, oh, I'd
• 40:10
  Speaker 2: love to buy this car Beck. And then Beck says, oh,
• 40:13
  Speaker 2: did you need finance for that? And I say, yeah, yeah,
• 40:16
  Speaker 2: oh come over and just quickly say Jessica, she can
• 40:18
  Speaker 2: sort you out. And Jessica would have been like, okay, cool,
• 40:20
  Speaker 2: So I can probably let you drive home with that today.
• 40:23
  Speaker 2: So these are the terms and conditions. You're so excited
• 40:26
  Speaker 2: you haven't even thought about the interest rate and they go, oh, look,
• 40:29
  Speaker 2: it's usually a twenty two percent interest rate, but I'm
• 40:31
  Speaker 2: going to cut that down to nineteen. And you go,
• 40:33
  Speaker 2: that sounds like a good discount. No worries, You don't
• 40:36
  Speaker 2: even think about it. Yeah, and you signed straight up.
• 40:38
  Speaker 2: That is how it happens often, and it's a slippery slope,
• 40:42
  Speaker 2: but I context realized it a little bit for you. Now.
• 40:45
  Speaker 2: I think everyone has the iic about it.
• 40:47
  Speaker 6: Yeah.
• 40:47
  Speaker 5: I think just take that information to him and have
• 40:49
  Speaker 5: an open chat because.
• 40:51
  Speaker 2: You're I'm going to email you my numbers and be like, hey,
• 40:55
  Speaker 2: no worries, just show your partner this because you can
• 40:59
  Speaker 2: also potentially go back and work that out, or what
• 41:03
  Speaker 2: you can do is talk to a finance professional and
• 41:06
  Speaker 2: potentially have that car refinanced. So what that would mean
• 41:10
  Speaker 2: is the finance amount and the amount owing would stay
• 41:13
  Speaker 2: the same, which is okay because you still have the asset.
• 41:16
  Speaker 2: But you go to somebody who can get you a
• 41:18
  Speaker 2: better car loan. We pay out the first one with
• 41:20
  Speaker 2: the second loan, and then you pay off the second loan,
• 41:22
  Speaker 2: which would hopefully be at a lower interest rate if
• 41:25
  Speaker 2: I'm being honest. You have whittled down your options though,
• 41:27
  Speaker 2: so you're not like on a completely level playing field
• 41:30
  Speaker 2: with somebody who has a brand new car that they
• 41:32
  Speaker 2: haven't driven off the lot yet. But it's probably a
• 41:35
  Speaker 2: really good idea to get a second opinion and just
• 41:37
  Speaker 2: put yourself in the best financial position. Don't even don't
• 41:41
  Speaker 2: even get me started on the boat.
• 41:44
  Speaker 5: The boat.
• 41:46
  Speaker 2: Sail away. Let's move on, because I I just want
• 41:50
  Speaker 2: to like, I love you so much. I want to
• 41:54
  Speaker 2: shake your partners so hard and be like, what were
• 41:56
  Speaker 2: you doing? What are you doing?
• 41:59
  Speaker 5: I like it?
• 41:59
  Speaker 2: You do, you know what you can, But you'd look
• 42:04
  Speaker 2: so hot in you think you you would.
• 42:06
  Speaker 4: I agree, like, I don't want to be that person,
• 42:08
  Speaker 4: but I can't of agree.
• 42:09
  Speaker 2: But alright, move on, we have a DM do you guys?
• 42:13
  Speaker 2: Want to get into that. Yes, completely, all right, So
• 42:16
  Speaker 2: here is the damn we received this week, Hay team.
• 42:19
  Speaker 2: Every Christmas, my in laws insist on buying individual gifts
• 42:23
  Speaker 2: for everyone, no matter how big the family has grown.
• 42:26
  Speaker 2: They say it's part of the holiday magic. But for me,
• 42:29
  Speaker 2: all that overspending over consumption are a waste and really
• 42:33
  Speaker 2: taking the magic away. Last year, I scrambled to buy
• 42:36
  Speaker 2: thoughtful gifts for people I barely know. I overspend, and
• 42:40
  Speaker 2: I still feel like it wasn't enough. I suggested we
• 42:43
  Speaker 2: switch to Secret Santa to ease the stress, but they
• 42:46
  Speaker 2: were not open to it. They think it would take
• 42:48
  Speaker 2: the joy out of the season. But honestly, the pressure
• 42:51
  Speaker 2: to keep up is doing that for me already. Is
• 42:54
  Speaker 2: there a way to simplify things that still respect their traditions.
• 42:58
  Speaker 2: I want Christmas to feel meaningful, no overwhelming.
• 43:01
  Speaker 5: Oh it's so hard, isn't exau. I think everyone has
• 43:04
  Speaker 5: their own perspectives and feelings on Christmas. Yeah, if you
• 43:08
  Speaker 5: have two really strong different feelings, it's a hard thing
• 43:11
  Speaker 5: to reconcile.
• 43:12
  Speaker 2: I feel like I've seen this a lot. I've been
• 43:15
  Speaker 2: having a lot of conversations with my dms recently about
• 43:18
  Speaker 2: Christmas and like I suppose intergenerational wealth. So like the
• 43:23
  Speaker 2: older generation, like the boomers being like no, but that's
• 43:26
  Speaker 2: the Christmas magic. But they also have the disposable income
• 43:30
  Speaker 2: to spend on that, and it's not painful for them
• 43:33
  Speaker 2: to do that. Like they're like, no, of course I
• 43:36
  Speaker 2: want to get Jessica a present. Of course, her new partner,
• 43:39
  Speaker 2: Beck is coming. I'm going to bring Beck a present.
• 43:42
  Speaker 2: Like and you know what, that's so nice, Like the
• 43:44
  Speaker 2: idea that gift giving is they love language and they
• 43:48
  Speaker 2: want to allocate their resources to you guys. So nice,
• 43:51
  Speaker 2: but they're not seeing it from the other perspective that
• 43:55
  Speaker 2: when I receive one hundred dollars gift, there's that expectation
• 43:58
  Speaker 2: to give one back. And if you're going into a
• 44:01
  Speaker 2: situation where there's fourteen people coming to Christmas, is that
• 44:05
  Speaker 2: actually reasonable to expect of everyone? Financially it's crazy. We're
• 44:09
  Speaker 2: in the middle of the cost of living crisis.
• 44:11
  Speaker 5: Yeah, it's sad that they didn't want to do because
• 44:13
  Speaker 5: my normal suggestion would be like a secret standard, like
• 44:15
  Speaker 5: that's the obvious choice, and.
• 44:16
  Speaker 2: She's clearly trying to pitch you already's.
• 44:19
  Speaker 5: If me personally, if that was the case, and I
• 44:22
  Speaker 5: couldn't afford to do the gifts or like the stress
• 44:24
  Speaker 5: of it or whatever, and I was like, I need
• 44:26
  Speaker 5: to give something, but like they're not meeting me at
• 44:28
  Speaker 5: the table with the secret thing. I would probably do
• 44:30
  Speaker 5: it like bake something like I would.
• 44:32
  Speaker 2: I would ask you to bake me something. Don't give
• 44:34
  Speaker 2: me presents any food.
• 44:36
  Speaker 5: Serious food is you know, if you do a big
• 44:39
  Speaker 5: batch of the same thing for everybody, it can be
• 44:41
  Speaker 5: like reasonably affordable and you can still I think if
• 44:44
  Speaker 5: you present it really beautifully. I'm thinking that these people
• 44:46
  Speaker 5: sound kind of selfish and maybe they weren't appreciate it,
• 44:49
  Speaker 5: but like.
• 44:50
  Speaker 2: Yeah, that's the vibe I get to know if I
• 44:52
  Speaker 2: was getting but I didn't want to say it so bad.
• 44:54
  Speaker 5: That's the case though, You're never going to be able
• 44:56
  Speaker 5: to win, is my kind of thoughts. And so I think,
• 44:58
  Speaker 5: like if like I think cookie comes from a heart,
• 45:00
  Speaker 5: you can dress it up really beautifully, like put it
• 45:02
  Speaker 5: in beautiful packaging, maybe write out you know a recipe
• 45:05
  Speaker 5: or pick a meaningful recipe. It's a family recipe or
• 45:08
  Speaker 5: my personal favorite, and I wanted to share it with you.
• 45:10
  Speaker 5: You can, you know, give them a little teatowel or
• 45:12
  Speaker 5: something if you want to add something to it. But
• 45:15
  Speaker 5: I think baking is a really good gift to give
• 45:17
  Speaker 5: to lots of people because you enjoy food, you share food.
• 45:20
  Speaker 5: But I honestly my deep down feeling you're just not
• 45:24
  Speaker 5: gonna win and that kind of sucks. But like if
• 45:26
  Speaker 5: they're gonna hold that against you, they're kind of shitty people.
• 45:29
  Speaker 4: Yeah, totally. I was going to say too, like if
• 45:31
  Speaker 4: you are just grappling with these particular people and everyone
• 45:35
  Speaker 4: else is pretty chill, because I feel like this is
• 45:38
  Speaker 4: not some completely alien concept, Like literally Christmas is stressful
• 45:45
  Speaker 4: right now, I'm sitting here. I actually have anxiety about
• 45:48
  Speaker 4: this conversation about how much money I'm going to have
• 45:50
  Speaker 4: to spend over the next month, And so it's not
• 45:54
  Speaker 4: a foreign concept, Like people understand that. So if this
• 45:56
  Speaker 4: is the only one or two people that are a
• 46:00
  Speaker 4: kind of like pushing back on this, maybe like talk
• 46:02
  Speaker 4: to everyone else and just get those two people presents
• 46:05
  Speaker 4: and be like for everyone else, let's all do a
• 46:07
  Speaker 4: secret stander all, let's all do nothing, because I'm sure
• 46:11
  Speaker 4: if you're thinking it, other people are probably thinking I
• 46:13
  Speaker 4: can't thought this either, Like this is excessive this is Surely.
• 46:17
  Speaker 2: You're not the only one. Surely, And maybe this is
• 46:19
  Speaker 2: just stereotyping, but I'm assuming it's coming from the matriarch
• 46:23
  Speaker 2: in the family who's like running the Christmas stuff, and
• 46:26
  Speaker 2: you will go to her hat like, I don't know,
• 46:28
  Speaker 2: this is very stereotypical, but I feel like that's often
• 46:30
  Speaker 2: the type of person that pushes that narrative. And I
• 46:34
  Speaker 2: don't know how you would approach this because so many
• 46:36
  Speaker 2: people have so many different ways, but I do believe
• 46:38
  Speaker 2: they might have their blinkers on a bit and they're
• 46:40
  Speaker 2: not seeing the world for the situation we are generally,
• 46:44
  Speaker 2: and they're just seeing their situation and going but it's fine,
• 46:48
  Speaker 2: and that's really nice. But maybe even contextualizing it and
• 46:51
  Speaker 2: being like, hey, cool, like I've actually done the maths
• 46:54
  Speaker 2: on this, and I've worked out that it'll cost me
• 46:56
  Speaker 2: fourteen hundred dollars just on gifts before I even come
• 46:59
  Speaker 2: to Christmas, and that's just not financially viable for me,
• 47:03
  Speaker 2: and seeing if that context helps, because often people will
• 47:08
  Speaker 2: push back on you when they don't have a full
• 47:10
  Speaker 2: comprehension of the situation, like if I've never been in
• 47:13
  Speaker 2: your shoes back and I go, well, it's not that hard.
• 47:17
  Speaker 2: It's like someone trying to explain their anxiety to you,
• 47:20
  Speaker 2: Like I am someone that's not scared of spiders, like
• 47:23
  Speaker 2: I genuinely am not. I'm like, oh, hey, friend, you're
• 47:25
  Speaker 2: big boy. Like when I see a huntsman, Jessicaupp would
• 47:29
  Speaker 2: fly across the room, like she even smelled like she
• 47:32
  Speaker 2: thinks there might be a spider. She's not going in
• 47:34
  Speaker 2: that room. So like trying to explain that to somebody
• 47:39
  Speaker 2: and going, but I'm fine with it. Why isn't Jessica
• 47:42
  Speaker 2: fine with it? That's not fair. And the same thing
• 47:45
  Speaker 2: exists around money. So I think we need to give
• 47:49
  Speaker 2: somebody else the context because in this situation, let's pretend
• 47:52
  Speaker 2: it's spiders. Just might go hey v My heart rate
• 47:55
  Speaker 2: goes up significantly, I get anxious, I get sweaty hands,
• 47:59
  Speaker 2: like it's I can't even think straight, Like it is
• 48:02
  Speaker 2: so uncomfortable for me that I never want to be
• 48:04
  Speaker 2: in that situation. For me, that's not my experience. But
• 48:08
  Speaker 2: by being able to contextualize it and see that, oh, well,
• 48:11
  Speaker 2: that's just this experience. Farah, I'm going to step in
• 48:13
  Speaker 2: and be like, all right, will you stay outside I'm
• 48:15
  Speaker 2: going to deal with the spider and I'll let you
• 48:16
  Speaker 2: know when it's all done and gone. I can sympathize
• 48:18
  Speaker 2: easier after you exactly. And I think that by giving
• 48:22
  Speaker 2: people more context and going, hey, cool, I did the maths,
• 48:25
  Speaker 2: and it's fourteen hundred dollars for me just to come.
• 48:28
  Speaker 2: If my partner is also buying gifts, that's now twenty
• 48:31
  Speaker 2: eight hundred dollars across the whole family. We're spending thirty
• 48:35
  Speaker 2: thousand dollars this year on presence, do you know what
• 48:38
  Speaker 2: I mean? Like we could extrapolate that out and go
• 48:41
  Speaker 2: that's insane, that's not in line with our values at all.
• 48:45
  Speaker 2: Or on the flip side, this is probably a little
• 48:47
  Speaker 2: bit more rogue. Hey, that's fantastic. We won't be participating.
• 48:51
  Speaker 2: Could you just circulate? People don't have to buy for us,
• 48:55
  Speaker 2: They can buy for absolutely everybody else. We know that
• 48:58
  Speaker 2: by opting out of this, we're not going to receive
• 49:00
  Speaker 2: any gifts, but we're also not going to give any gifts.
• 49:02
  Speaker 2: On the day, you know, Jess and I we're going
• 49:04
  Speaker 2: to make a big batch of cookies and bring all
• 49:06
  Speaker 2: of the food and the vibes like will be there. Yes,
• 49:09
  Speaker 2: and in fact, our kids would love to do a
• 49:11
  Speaker 2: little secret santas, so maybe we could do that in addition,
• 49:13
  Speaker 2: are you interested? We could just get the kids in
• 49:15
  Speaker 2: on that and still have something that aligns with their values.
• 49:20
  Speaker 2: All right, no worries. You do your thing then, but
• 49:22
  Speaker 2: I'm actually not going to be actively participating in that
• 49:24
  Speaker 2: and see how that goes. And I think it's all
• 49:27
  Speaker 2: about being as positive as possible during that because these
• 49:31
  Speaker 2: situations money Christmas emotions, everyone can start yelling really quickly,
• 49:37
  Speaker 2: everyone can start typing in group chat in like capital letters,
• 49:41
  Speaker 2: and I think that just by going okay, cool, like
• 49:44
  Speaker 2: this is really this is pushing me to my limits.
• 49:46
  Speaker 2: But I'm going to maintain kindness and I'm always going
• 49:49
  Speaker 2: to try and approach every response with empathy. Hey, I
• 49:52
  Speaker 2: can totally see where you're coming from, but unfortunately that
• 49:54
  Speaker 2: doesn't align with what we are trying to work towards
• 49:57
  Speaker 2: for Christmas. And like, as you know, the three of us,
• 50:01
  Speaker 2: we're kind of people. Please is like, I'm not the
• 50:03
  Speaker 2: type of person that's like, I'm sorry, Beck, I'm not
• 50:05
  Speaker 2: doing that. I want to be like, oh, actually, that
• 50:09
  Speaker 2: fourteen hundred dollars that we taught and this is just
• 50:11
  Speaker 2: like the number I f picked out of my head.
• 50:12
  Speaker 2: We don't know if that's the number. This fourteen hundred
• 50:15
  Speaker 2: dollars is actually going to go towards. We're planning on
• 50:17
  Speaker 2: taking the kids on a holiday later this year, and
• 50:20
  Speaker 2: we've budget about twenty five hundred dollars, so between us, Like,
• 50:23
  Speaker 2: that's actually our holiday budget, you know, makes sense, ha ha,
• 50:27
  Speaker 2: Like I think if you need to contextualize it, you
• 50:31
  Speaker 2: can do that. But also, no, nobody deserves an explanation.
• 50:35
  Speaker 2: You're like to say, no, you're a grown adult. I
• 50:37
  Speaker 2: don't totally forget.
• 50:38
  Speaker 5: That sometimes, like genuinely, I'm like, oh no, he's an
• 50:41
  Speaker 5: option and the other.
• 50:43
  Speaker 2: Thing, Jess, no is a full sentence.
• 50:46
  Speaker 4: That's true. I understand how uncomfortable it would be social
• 50:51
  Speaker 4: prior or yeah, one hundred percent, but people are probably
• 50:53
  Speaker 4: going to be You might be shocked. You might side
• 50:56
  Speaker 4: and be like, oh my god, yeah, I've been someone
• 50:58
  Speaker 4: else's years.
• 50:59
  Speaker 2: Someone else's Thally. We used to do that in our
• 51:02
  Speaker 2: family and then I don't know who pitched it, but
• 51:05
  Speaker 2: now we do Secret Santa, and that's actually really fun
• 51:07
  Speaker 2: because the cap for us in our family is I
• 51:10
  Speaker 2: think it's fifty dollars a present, but that's like our
• 51:13
  Speaker 2: total Christmas budget for that side of the family, so
• 51:15
  Speaker 2: that for us is quite reasonable. And then someone gets
• 51:18
  Speaker 2: a good present, like we all walk away with a
• 51:19
  Speaker 2: good fifty dollars present. On the flip side, I think
• 51:22
  Speaker 2: I've told you guys this before. We do homemade, handmade,
• 51:26
  Speaker 2: or second hand, yes, and so it has to be
• 51:28
  Speaker 2: one of those three and that becomes fun. It's like
• 51:31
  Speaker 2: your like shitty Christmas where you kind of it's kind
• 51:34
  Speaker 2: of like gammified, like what's the best if I can
• 51:36
  Speaker 2: get secondhand on Facebook market place, which is really fun?
• 51:41
  Speaker 5: Yeah, whateverone else say?
• 51:43
  Speaker 2: Okay, So we had a lot of opinions. First one,
• 51:45
  Speaker 2: we said which one are you? Eighty five percent of
• 51:48
  Speaker 2: you said we are team Secret Santa. Fifteen percent said
• 51:52
  Speaker 2: we are team buy for everyone almost be nice, yes
• 51:56
  Speaker 2: or stressful and I'm not on the tea. We then
• 52:01
  Speaker 2: asked how are you feeling about Christmas this year? Forty
• 52:04
  Speaker 2: three percent of yous said that you were feeling stressed
• 52:06
  Speaker 2: about overspending. So beck when you said, I'm really already
• 52:09
  Speaker 2: stressed about this, soo's most of our community, forty three
• 52:13
  Speaker 2: percent agreed with you. They were like Beck, we are
• 52:15
  Speaker 2: also stressed company chi for what Maybe our community are
• 52:19
  Speaker 2: better at money than we are, because forty six percent
• 52:22
  Speaker 2: of you said I'm actually a Christmas budgeting queen. Oh great,
• 52:26
  Speaker 2: us be nice, And eleven percent of you said I'm
• 52:28
  Speaker 2: happy to blow the budget it's Christmas. Well, you know
• 52:33
  Speaker 2: what you're allow. You're alone. You can do whatever you
• 52:36
  Speaker 2: want as long as it's in line with your values.
• 52:39
  Speaker 2: Like Beck, if you said, well, I want to blow
• 52:41
  Speaker 2: my budget every Christmas, I'll be like, okay, well if
• 52:43
  Speaker 2: you thought about it, cool, Like, all I want you
• 52:45
  Speaker 2: to do is think about it and make sure that
• 52:47
  Speaker 2: it's not compromising your bigger financial goals. Maybe Christmas is
• 52:50
  Speaker 2: like Jess is Christmas crazy and we love that. Maybe
• 52:54
  Speaker 2: that's like the biggest thing that you're budgeting for the
• 52:57
  Speaker 2: entire year because you cannot wait for Christmas. Yeah, I'm
• 53:01
  Speaker 2: not gonna yuck your yum like, I'm not going to
• 53:03
  Speaker 2: stop you from doing something that's so aligned to your values.
• 53:06
  Speaker 2: But isn't it cool that by going through the steps
• 53:09
  Speaker 2: on these conversations, we're getting clearer on our own values.
• 53:13
  Speaker 2: You're probably thinking, oh, well, I do do that or
• 53:16
  Speaker 2: don't do that, But You've probably never thought about it before.
• 53:18
  Speaker 2: You just go through the motions every year. So we
• 53:21
  Speaker 2: then said to the community, what is your two cents?
• 53:24
  Speaker 2: One person said, this sounds like I could have written it.
• 53:27
  Speaker 2: Keen to hear answers. It is so hard. Someone else said,
• 53:31
  Speaker 2: ask if you can do thrift mess or put a
• 53:34
  Speaker 2: twenty dollar spend limit on each person, or make gifts instead. Yeah, yeah,
• 53:40
  Speaker 2: we've got the cookie recipe for Jess's peak am PI
• 53:43
  Speaker 2: cookies in the show notes, so you're welcome. Someone else said,
• 53:46
  Speaker 2: just by everyone the same book. Obviously she's on the
• 53:50
  Speaker 2: money book.
• 53:50
  Speaker 5: You imagine everyone going to coffee if she's the money.
• 53:54
  Speaker 2: Cute by everyone the same book to it. Then someone said,
• 53:57
  Speaker 2: bonus points. If it's that she's on the money, you're
• 54:01
  Speaker 2: an icon. Another person said, you need the problem person
• 54:05
  Speaker 2: to think it's their idea somehow.
• 54:07
  Speaker 4: Ohha, clevera.
• 54:10
  Speaker 2: I like this. This is a little bit psychological. Maybe
• 54:13
  Speaker 2: you could pull them aside and be like, we're in
• 54:15
  Speaker 2: the middle of the cost of living crisis. I think
• 54:16
  Speaker 2: it would take the pressure off everybody. Maybe you could
• 54:20
  Speaker 2: pitch the idea. It's just see how it goes. Yeah, oh,
• 54:25
  Speaker 2: that is nifty. I wish I'd thought of that one.
• 54:28
  Speaker 2: Someone else said, feeling like a grinch for having to
• 54:31
  Speaker 2: give gifts for the sake of it.
• 54:34
  Speaker 5: Yes, true, you shouldn't have to do something you don't
• 54:36
  Speaker 5: want to do, is what it like ultimately comes down to.
• 54:40
  Speaker 2: Someone else said, my mother in law was the same.
• 54:42
  Speaker 2: It took two years of us suggesting and building support,
• 54:46
  Speaker 2: but this is year one of only buying one gift. Great,
• 54:50
  Speaker 2: I love this. Someone else said, give that mental load
• 54:53
  Speaker 2: back to her partner. Her in law gifts should be
• 54:56
  Speaker 2: her partner's responsibility.
• 54:57
  Speaker 4: There you go, huh pot take yeah, di.
• 55:01
  Speaker 2: Y something small I reckon, like your Christmas crack and
• 55:04
  Speaker 2: wrap up some for everybody Instagram.
• 55:08
  Speaker 5: We do.
• 55:09
  Speaker 2: We'll link it in the show notes as well. Because
• 55:11
  Speaker 2: it's super easy. Just where the cookie is easy to make?
• 55:15
  Speaker 2: Or are they like complicated?
• 55:16
  Speaker 5: I would say, mit, like they're not like a choc
• 55:18
  Speaker 5: chip cookie because you have to make the peacan top
• 55:20
  Speaker 5: being separate to THEE.
• 55:22
  Speaker 2: But it's not. It's no like.
• 55:24
  Speaker 5: I can do it, and I maintain I'm not a
• 55:26
  Speaker 5: particularly good cook, So like I think.
• 55:27
  Speaker 4: It's what's the dishes?
• 55:30
  Speaker 2: NA like two pans in the mixing bowl?
• 55:32
  Speaker 5: Really and you're measuring cups and spoons, which I feel
• 55:34
  Speaker 5: like is pretty standards.
• 55:35
  Speaker 2: That's yeah, we could do that. We could do that
• 55:39
  Speaker 2: cooking being beck. Someone else said, I love gift giving,
• 55:43
  Speaker 2: but I'm not offended if it's not reciprocated. Opt out you, queen. True.
• 55:48
  Speaker 2: In fact, I find it really interesting this concept of
• 55:52
  Speaker 2: gift giving, Like if I'm giving you a gift, it's
• 55:55
  Speaker 2: not because I'm expecting something in return. I'm giving you
• 55:58
  Speaker 2: a gift because I'm you are going to love it.
• 56:01
  Speaker 5: Yeah, idea that it needs to be reciprocated equally to
• 56:04
  Speaker 5: like I bought you one hundred doll year or you
• 56:06
  Speaker 5: brought me on a hundred all years I'm gonna get.
• 56:07
  Speaker 2: No, absolutely not. It's just it's love.
• 56:11
  Speaker 5: Gift giving is meant to be.
• 56:12
  Speaker 2: It's just not your love language. That's so far exactly.
• 56:16
  Speaker 4: Imagine we put that blanket rule over everything, Like I'm
• 56:19
  Speaker 4: going to go get your coffee, so therefore today you've
• 56:21
  Speaker 4: got to do a good deed for me, you know
• 56:22
  Speaker 4: what I mean. It's like, no, you just like do
• 56:24
  Speaker 4: nice things because you feel like you want to do
• 56:26
  Speaker 4: a nice thing.
• 56:26
  Speaker 2: Yeah, and yeah, if you are giving gifts in that way,
• 56:30
  Speaker 2: this is probably really nasty, but that's okay. You were
• 56:33
  Speaker 2: never giving the gift for that person to benefit. You
• 56:35
  Speaker 2: were giving the gift to get something in return, and
• 56:38
  Speaker 2: that's actually not gift giving. Hey.
• 56:40
  Speaker 4: True.
• 56:41
  Speaker 2: Yeah, So anyway, that is probably a negative place to
• 56:44
  Speaker 2: leave it, So let me change it into a positive.
• 56:46
  Speaker 2: I have a really great Christmas present suggestion, and that
• 56:48
  Speaker 2: is my new book that came out a couple of
• 56:50
  Speaker 2: weeks ago, The Business Bible hit Shelves, which is so
• 56:55
  Speaker 2: exciting because I feel like I probably haven't promoed this enough.
• 56:59
  Speaker 2: But it's not just for like building ashes on the
• 57:02
  Speaker 2: money size business. It's for side hustlers and earning some
• 57:06
  Speaker 2: extra income on the side and managing that properly. And
• 57:09
  Speaker 2: I think that there's for a very long time been
• 57:11
  Speaker 2: this massive misconception that if you start a side hustle,
• 57:15
  Speaker 2: you need to scale it to become your full time income. Like, Jess,
• 57:18
  Speaker 2: how many times have you been asked, oh, you have
• 57:21
  Speaker 2: a side hut, when are you going to be a
• 57:23
  Speaker 2: full time influencer? And I think that we need to
• 57:26
  Speaker 2: decipher that and champion the teeny tiny micro businesses because
• 57:30
  Speaker 2: you need the same structure. But Jess, you still have
• 57:33
  Speaker 2: to do the same tax return as a big business,
• 57:36
  Speaker 2: but you don't get the advice. So it's from small
• 57:39
  Speaker 2: micro businesses to changing into a company for the first time,
• 57:43
  Speaker 2: to taking your first million, to taking your first eight figures.
• 57:47
  Speaker 2: And I think that it's a scalable book that's also
• 57:49
  Speaker 2: really fun because that's full of business diaries. So from
• 57:53
  Speaker 2: all of my favorite business owners around Australia, they've come
• 57:56
  Speaker 2: together and been like, oh, this is what I struggled with.
• 57:58
  Speaker 2: This was really hard, not what I'm doing, and that
• 58:01
  Speaker 2: was my favorite part. So anyway, that would be a
• 58:04
  Speaker 2: very good Christmas present.
• 58:05
  Speaker 5: And it's probably on sale right now.
• 58:08
  Speaker 2: We'll link it in the show notes as well, because honestly,
• 58:10
  Speaker 2: if you're buying my books not using a discount code
• 58:14
  Speaker 2: or a sale, are you even a proper She's on
• 58:15
  Speaker 2: the Money member. We support you all right, Thank you
• 58:19
  Speaker 2: so much. It has been a pleasure. Where we'll see you,
• 58:21
  Speaker 2: guys bright nearly on Monday for a money diary.
• 58:23
  Speaker 4: Bye, guys say.
• 58:31
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• 58:33
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• 58:37
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• 58:41
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• 58:44
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• 58:47
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