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FRIDAY DRINKS: Black Fri-yay or Nay? · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
0:04
Speaker 1: the Order, Kernie Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's On the Money podcast, I
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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 through.
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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
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Speaker 1: the storytelling of you to make a difference for today
0:31
Speaker 1: 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.
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Speaker 4: Hello and welcome to the Money, the podcast for millennials
1:01
Speaker 4: who want financial freedom. Today is Friday, my Friends, which
1:06
Speaker 4: means it is time to sit back with the girls
1:08
Speaker 4: with a bevy in hand, to unpack our favorite moments
1:10
Speaker 4: of the week, and of course, to celebrate you how
1:14
Speaker 4: incredible She's on the Money community. As always, we're going
1:17
Speaker 4: to be sharing our favorite money wins, We're going to
1:19
Speaker 4: discuss what's making news in the finance world, and we'll
1:22
Speaker 4: be helping to answer a juicy money question, which this week,
1:25
Speaker 4: unsurprisingly is all about how to protect your data. But
1:28
Speaker 4: first it is time to recap the week that was,
1:30
Speaker 4: Miss Jess Garci. You are here with me, but I
1:34
Speaker 4: get to go first, this time with a summary of
1:36
Speaker 4: our mandate money diary. So this week we spoke to
1:40
Speaker 4: obviously a very beautiful community member, but her story was
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Speaker 4: really really different. So obviously life is not without challenges.
1:48
Speaker 4: She was managing a chronic health condition, so she had endometriosis,
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Speaker 4: which I think a lot of people in our community
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Speaker 4: can really resonate with. And she also works as a teacher.
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Speaker 4: She is a humanities and social sciences teach, super super passionate.
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Speaker 4: The one thing that we didn't really cover in that
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Speaker 4: episode is that the space she works in is more
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Speaker 4: with disadvantaged children. And on top of that, she was
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Speaker 4: a director on a board for a non for profit
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Speaker 4: NDIS service provider, which challenges the status quo for recruitment
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Speaker 4: in this space. So honestly, she did so much and
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Speaker 4: it was such a personal story. It was really interesting
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Speaker 4: to see how she managed her financial life and how
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Speaker 4: that worked when you're dealing with a chronic illness. So
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Speaker 4: I feel like that was a story that a lot
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Speaker 4: of us either resonate with or really sympathize with. So
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Speaker 4: it was from my perspective, obviously a really good one.
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Speaker 4: Onto Wednesday, though, it's just greed she what did we
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Speaker 4: talk about. We're talking about protecting your data. We've had
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Speaker 4: a lot of that is not how I thought that
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Speaker 4: you would introduce that, really trotecting your dadda.
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Speaker 5: It's important. No, a lot of people have been messaging us,
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Speaker 5: firstly after the Optus breach, which got everybody including me,
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Speaker 5: and then with Telsha and Woolli's and all of the
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Speaker 5: other breaches that seemed to be happening at the moment.
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Speaker 5: I think people are really anxious around protecting their identity
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Speaker 5: and what could potentially happen with that. So we spoke
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Speaker 5: through some really tangible steps that you can take to
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Speaker 5: protect yourself. I think in this day and age, we
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Speaker 5: might have all gotten a little bit lax with saving
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Speaker 5: passwords and not changing them and having the same one
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Speaker 5: for ten different logins, And it's just probably a really
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Speaker 5: timely reminder for all of us that our data is
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Speaker 5: really important, and it's not just about like keeping your
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Speaker 5: Facebook account safe. It's about people literally being able to
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Speaker 5: defraud you with the information that they can get from
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Speaker 5: your public profiles and things like that. Yeah, really really
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Speaker 5: scary stuff. But more on that a little bit later
3:33
Speaker 5: because we got to touch on it for our money dilemma.
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Speaker 5: All Right, it's time for our budget direct money wins
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Speaker 5: and confessions of the week. What have you got for us?
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Speaker 5: My first one is from Sarah, who said money Win.
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Speaker 5: A quill cover I've had in my wish list four
3:44
Speaker 5: months on the Iconic finally went on sale price of
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Speaker 5: ninety nine dollars, down from two hundred and eighty and
3:50
Speaker 5: the pillowcases dropped from forty to ten. Completely unexpected and
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Speaker 5: great timing. As I got my new mattress today. I
3:56
Speaker 5: feel like that's the best feeling in the world. New mattress,
3:59
Speaker 5: new sheets, like new life. I never get them all
4:01
Speaker 5: at the same time, though, Like I feel like that
4:05
Speaker 5: is the universe just aligning for her so that she
4:07
Speaker 5: can have the absolute best sleep of her life tonight.
4:11
Speaker 5: My next one comes from Alex, who says, money Win.
4:14
Speaker 5: I arrived home from overseas and ordered food from Uber
4:17
Speaker 5: Eats because I didn't have any groceries after being away
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Speaker 5: for so long. Relatable delivery guy dropped off the wrong order.
4:24
Speaker 5: It's somebody else's groceries. I tried calling because I was
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Speaker 5: really hungry and looking forward to having some comfort food,
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Speaker 5: but it was too late. Uber Eats refunded me after
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Speaker 5: I reported the wrong order, so I ended up with
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Speaker 5: free groceries and a stocked fridge and my twenty five
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Speaker 5: bucks back. I did have to cook my own dinner, though.
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Speaker 4: Oh that's the worst. I'd be like, I don't want groceries.
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Speaker 4: I ordered take out, not groceries. I had that happen recently. Actually,
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Speaker 4: I ordered Ramen online and I was so excited about
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Speaker 4: it because I love Ramen and this new place had
4:53
Speaker 4: popped up on Uber Eats that I hadn't seen before.
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Speaker 4: And it came deconstructed, like I had to cook the noodles,
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Speaker 4: and Stephen I was so salty about it. It came
5:02
Speaker 4: and he's like, oh great, I'll get I'll get dinner
5:04
Speaker 4: and I'll pop it in a bowl for us. He
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Speaker 4: brought it to the kitchen and was like Victoria, and
5:10
Speaker 4: I was like, got the hell And he was like,
5:11
Speaker 4: what have you ordered? And it was literally like all
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Speaker 4: of the vegetables had not been cooked. The noodles were
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Speaker 4: in like some glad wrap wrapped up and they clearly
5:19
Speaker 4: looked like they were covered in like flower, like they
5:21
Speaker 4: were fresh. They were gorgeous. After we cooked it, it
5:24
Speaker 4: was delicious, but I was not You're.
5:27
Speaker 5: To arrive and then immediately tucked straight in.
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Speaker 4: Yeah, like it's takeaway. It's not fake away anyway.
5:33
Speaker 5: Moving on, Oh my gosh, well I have another travel
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Speaker 5: themed money when. This one from Scooter who said money
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Speaker 5: Win booked a Ballei holiday through Expedia and got eighty
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Speaker 5: dollars back on shot back money. When I feel like
5:44
Speaker 5: everyone's getting ready to travel right now, and if you
5:46
Speaker 5: are doing your online travel booking, you're not using shot bags.
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Speaker 4: Where are you?
5:51
Speaker 5: Where are you? It's free money. It is literally free money.
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Speaker 5: My next wing comes from Kirsty, who said money Win,
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Speaker 5: I thought I had around six hundred dollars still owing
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Speaker 5: on my car finance called up to see how much
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Speaker 5: I actually had left to play and I could pay
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Speaker 5: it off that day for forty three dollars, which means
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Speaker 5: I am now officially debt free. Money Win. We love
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Speaker 5: to see it. That's so exciting. I feel like maybe
6:13
Speaker 5: she's been making some extra repayments or something like that
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Speaker 5: because her numbers were so off. But that's like the
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Speaker 5: best surprise in the world.
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Speaker 4: Don't question her numbers, Jessica, That's not what we do
6:21
Speaker 4: in a money win thread. Like if you say it's exciting,
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Speaker 4: I am here for the excitement, not to question whether
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Speaker 4: it's legitimate or not.
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Speaker 5: We are excited for you. My last win for today
6:30
Speaker 5: comes from Stella, who said money win. I thought I
6:32
Speaker 5: had landed my dream job straight out of UNI, but
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Speaker 5: it didn't end up being the job for me, and
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Speaker 5: I was devastated. However, I landed another job almost instantly,
6:41
Speaker 5: got a sixty percent pay rise, and am now on
6:44
Speaker 5: six figures in the second year of my career. What
6:47
Speaker 5: if things aren't going well at work, try not to
6:49
Speaker 5: stress yourself out and take it as big as things
6:52
Speaker 5: are coming your way. Ps. They also feed me breakfast, lunch,
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Speaker 5: and dinner in the office. Now I'm in love.
6:57
Speaker 4: What the heck? I want a new job?
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Speaker 5: I quit? Yeah?
7:00
Speaker 4: They you guys never feed me. I just steal cokes
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Speaker 4: and stuff from the communal fridge. That's all I've got.
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Speaker 5: We live on coke and sour worms in this office.
7:08
Speaker 5: So Stella seems like she's winning it life.
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Speaker 4: Breakfast, lunch, and dinner Like oh, maybe she gets uber eats.
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Speaker 4: I don't know, not Raman hopefully. All right, that was
7:18
Speaker 4: probably a really good place to leave it. I probably
7:20
Speaker 4: am going to go and try and apply for a
7:22
Speaker 4: job there, because there's nothing good in this office at
7:24
Speaker 4: this point in time. As always, it has been fantastic
7:27
Speaker 4: celebrating some of your budget Direct money wins. Budget Direct
7:30
Speaker 4: winner of can Stell's Insurer of the Year Award twenty
7:33
Speaker 4: twenty two. Budget Direct Insurance Solved. Let's go to a
7:36
Speaker 4: really quick break and when we come back, we are
7:38
Speaker 4: going to be answering a money dilemma and recapping what's
7:41
Speaker 4: going on in the finance world.
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Speaker 5: Don't go anywhere, all right, guys. Today it's Black Friday.
7:50
Speaker 5: I swear it was just Black Friday, like a week ago.
7:53
Speaker 5: I don't know how it's come around again so quickly.
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Speaker 5: If you don't know, Black Friday is a holiday that's
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Speaker 5: started in the US. It's this huge shopping extravaganza where
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Speaker 5: everything goes on sale, and it's kind of I guess
8:05
Speaker 5: filtered over to OZ through capitalism and consimerism mainly. But
8:09
Speaker 5: I thought it would be a fun chance to talk
8:11
Speaker 5: about an article that I read recently talking about how
8:14
Speaker 5: much we're expected to spend. According to nab ozzies were
8:18
Speaker 5: estimated to have spent a whopping eight billion during the
8:22
Speaker 5: four days of My Friday to Cyber Monday last year.
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Speaker 4: Eight billion dollars.
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Speaker 5: Yeah, eight billion, which is I can't even fathom how
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Speaker 5: much money that is in my brain.
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Speaker 4: And that's more than the amount of people in Australia.
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Speaker 4: We have twenty five million people in Australia or twenty
8:38
Speaker 4: five point seven or something million people in Australia, and
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Speaker 4: we're spending billions of dollars. It's not even Christmas or
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Speaker 4: New Year's or like, what.
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Speaker 5: The heck they're tipping. It'll be even higher again this year,
8:49
Speaker 5: which remains to.
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Speaker 4: Be I'm not okay with this. That gives me the ick.
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Speaker 5: I think it's a really hard dichotomy because on one
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Speaker 5: side of things, I've been waiting for Black Friday for
8:59
Speaker 5: a few purchases. I want to buy some air pods
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Speaker 5: and I'm like waiting to see if I can get
9:04
Speaker 5: them on sale and get myself a bit of a deal.
9:06
Speaker 5: But then the flip side, if we're spending eight billion dollars,
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Speaker 5: I'm gonna take a stab in the dark and say,
9:11
Speaker 5: a lot of people are probably also buying things that
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Speaker 5: they weren't.
9:14
Speaker 4: Necessarily planning on. So your things are maybe for you
9:18
Speaker 4: or are they gifts? Like as that is that the plan?
9:20
Speaker 4: Because I feel like if you're making use of it,
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Speaker 4: it makes sense. Yeah, I just feel like Black Friday,
9:25
Speaker 4: I don't immediately think and this is maybe not a
9:27
Speaker 4: good thing for me. I don't immediately think, wow, I
9:29
Speaker 4: could stock up for Christmas, Like that is not where
9:31
Speaker 4: my head is at. I'm like, oh, it is my
9:33
Speaker 4: favorite shop on sale. Yeah, no, I'm naughty. It is
9:36
Speaker 4: a little bit naughty.
9:37
Speaker 5: And I think you know, the last couple of weeks,
9:39
Speaker 5: there's been a lot of marketing leading up to this.
9:41
Speaker 5: Brands are really capitalizing on it. I remember last year
9:44
Speaker 5: almost every website had twenty percent off or buy this,
9:48
Speaker 5: get this free or whatever. Everybody seems to be really
9:51
Speaker 5: leaning into it because they've cottoned onto the fact that
9:53
Speaker 5: people are cashed up and wanting to spend. But I
9:57
Speaker 5: mean it's a little bit tricky because yes, it's a
9:59
Speaker 5: great time to get those gifts, but it's not a
10:01
Speaker 5: great time to just be spending on things because you're like, oh,
10:04
Speaker 5: it's on say a lot treat myself.
10:05
Speaker 4: Yeah, and that's why I think it's really important. If
10:08
Speaker 4: that's the period that you're going through and you're a
10:10
Speaker 4: little bit like spend happy or click happy as I
10:14
Speaker 4: can be, Like, before this happens, why don't you go
10:17
Speaker 4: through your email inbox and just unsubscribe from anything tempting,
10:21
Speaker 4: Like I don't know. I've been speaking to friends about
10:23
Speaker 4: this and they're like, well, I don't want to miss
10:24
Speaker 4: out on discounts. I'm like, yeah, but you can go
10:26
Speaker 4: find a discount when you're ready to purchase something. You
10:29
Speaker 4: don't need to wait for it to slide into your
10:31
Speaker 4: DMS or into your inbox for that to happen. So
10:34
Speaker 4: I think unsubscribing from all of the retailers that email
10:38
Speaker 4: you on a daily basis is really constructive. I know
10:41
Speaker 4: I'm the worst, right like Jesse, you know, I love
10:43
Speaker 4: a good shop and it's one of those things where
10:46
Speaker 4: sometimes I'm not even thinking about it and then I
10:49
Speaker 4: get an email and they're like new in and I'm like, oh,
10:51
Speaker 4: I'll just check that out, like I'll click out I
10:53
Speaker 4: like this brand. Yeah, and then all of a sudden,
10:55
Speaker 4: I found a dress I think I need and then
10:57
Speaker 4: it's all I can think about, whereas I just didn't
11:00
Speaker 4: need to see the dress, you know, like I just
11:02
Speaker 4: didn't need to Did I need a new dress?
11:03
Speaker 2: Probably not?
11:04
Speaker 5: And then all I.
11:05
Speaker 4: Do is think about it, convinced myself I need it.
11:07
Speaker 4: I'll do that thing where I tell everybody else to
11:10
Speaker 4: do this, to put twenty four hours between you and
11:12
Speaker 4: your spending.
11:12
Speaker 5: And I'm like, yeah, I still want the dress.
11:14
Speaker 4: Yeah, what if I didn't see it, you just never
11:16
Speaker 4: have thought about it exactly, So nip the problem in
11:20
Speaker 4: the bud before it even happens.
11:21
Speaker 5: I reckon. Do you want a fund tidbit about why
11:23
Speaker 5: it's called Black Friday?
11:24
Speaker 4: Oh?
11:25
Speaker 5: Yeah, just like a random I do. I thought about it.
11:28
Speaker 4: No, I feel like this is going to be really morbid.
11:30
Speaker 5: It's not morbid. It's just very random. It's a little
11:32
Speaker 5: bit financi So it's said to have been coined in
11:36
Speaker 5: eighteen sixty nine when two people named Jim and Jay
11:40
Speaker 5: were Wall Street financers and they bought a huge amount
11:43
Speaker 5: of gold in the hope that its price would search.
11:46
Speaker 5: Apparently the opposite thing happened. The market crashed and became
11:51
Speaker 5: Black Friday.
11:52
Speaker 4: Oh but like what, I'm so confused.
11:56
Speaker 5: Do you know they drove out the price of gold
11:58
Speaker 5: and stop market crashed and it was a black day
12:00
Speaker 5: for everybody else.
12:01
Speaker 4: Oh that's what you meant. I was like, gold is gold,
12:04
Speaker 4: not black, Jess. The day was like it did not
12:07
Speaker 4: change color.
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Speaker 5: They said it on a fire because they were so angry.
12:10
Speaker 4: That talking about like this, you know what, that's a
12:13
Speaker 4: really disappointing reason.
12:15
Speaker 5: Well, the other thing that I read was because obviously
12:17
Speaker 5: Black Friday follows on from Thanksgiving, and so in the
12:21
Speaker 5: major cities back in the day, people you didn't have
12:23
Speaker 5: your local shopping center or your online shops, and so
12:25
Speaker 5: people would turn up to the city and like droves
12:28
Speaker 5: to do their holiday shopping. And again, huge crowds, lots
12:32
Speaker 5: of pollution. Not a great day Black Friday.
12:35
Speaker 4: Yeah. Wow, I feel like everything in Australia is becoming
12:38
Speaker 4: quite Americanized and I'm not liking it. So, like Calloween
12:41
Speaker 4: happened recently.
12:42
Speaker 5: I love Halloween.
12:44
Speaker 4: See, you're probably the perfect person to ask, because when
12:47
Speaker 4: we were in America, you were hunting down pumpkins like
12:49
Speaker 4: nobody's business, and I was like, what the heck, Like,
12:52
Speaker 4: I just don't understand this holiday. I don't understand the holiday,
12:57
Speaker 4: but I also don't understand why Australians are in embracing
13:00
Speaker 4: such an American holiday, Like you tell your kids every
13:03
Speaker 4: other day of the year to do not trust strangers,
13:05
Speaker 4: and what now we're going up to their houses and
13:07
Speaker 4: knocking on the doors asking for the lollies like step
13:10
Speaker 4: into my van, tiny child, Like I just don't understand
13:13
Speaker 4: the concept of it and why Australia is embracing it.
13:17
Speaker 4: Like I remember walking down the street a couple of
13:19
Speaker 4: weeks ago and every second house is decked out in
13:22
Speaker 4: Halloween stuff, and I'm like, do you even understand Halloween?
13:25
Speaker 4: Like I don't even understand where it's come from anyway.
13:28
Speaker 4: I've just got a lot to say because I don't
13:29
Speaker 4: think we should be doing it.
13:30
Speaker 5: I think Halloween comes from all Hallo's Eve, which was
13:33
Speaker 5: like a I want to say pagan I don't know
13:35
Speaker 5: if that's right, but like something way back in the
13:37
Speaker 5: day that was a little bit almost not quite religious,
13:41
Speaker 5: but you know, something like that that's obviously been like
13:43
Speaker 5: really recontextualized for again capitalism. I just like it, and
13:48
Speaker 5: I feel like maybe a lot of people are in
13:49
Speaker 5: the same boat as me. I just like a theme
13:52
Speaker 5: in the same way that I loved you. Yes, you
13:54
Speaker 5: love the chance to decorate my house or dress up
13:57
Speaker 5: in a costume or buy lots of cute, tiny pumpkins.
14:00
Speaker 5: And I know that it's not even autumn here and
14:02
Speaker 5: the pumpkins motif doesn't make sense, but I just love
14:06
Speaker 5: anything that gives me the chance to do something fun, like.
14:08
Speaker 4: Oh, and I'm all about you doing that, like I
14:11
Speaker 4: will get behind you. In fact, I think you know
14:13
Speaker 4: i'll get behind you because we went to so many
14:15
Speaker 4: American targets looking for the pumpkins of your dreams. And
14:19
Speaker 4: I was like, I still don't get why we're here, Jessica, but.
14:22
Speaker 5: I'm all in. I just don't understand it.
14:24
Speaker 4: I'm just like, this feels like a waste of money.
14:26
Speaker 4: Oh why are we buying pumpkins? It's not even full.
14:29
Speaker 4: You can't even eat them. Like I saw pumpkin carvings
14:31
Speaker 4: out there front of people's houses and I was like,
14:33
Speaker 4: is this food waste?
14:34
Speaker 5: Like I just don't get it.
14:36
Speaker 4: Does it just sit there and rot and then you
14:38
Speaker 4: throw it out? Like anyway, there's just a lot too
14:40
Speaker 4: Halloween that I don't understand. Maybe don't come for me
14:43
Speaker 4: if one day. I have kids and they want to
14:45
Speaker 4: celebrate it, and I'm like, God, it's just too hard
14:47
Speaker 4: to fight them, because you know, yeah, I just feel
14:50
Speaker 4: like I don't want to be called out as a hypocrite.
14:52
Speaker 4: But today you will not see my house decorated. You
14:55
Speaker 4: will not see me celebrating it. I just don't get it.
14:58
Speaker 4: And pumpkin spice lat taste tastes like trash.
15:01
Speaker 5: Oh my god, they do give me a strawberry, a
15:04
Speaker 5: sire refresher any day.
15:05
Speaker 4: I just don't understand it. Like that was one of
15:07
Speaker 4: the things I really wanted to try while we were
15:09
Speaker 4: in the US, because I was like, oh, this is
15:11
Speaker 4: so America, not great. One out of ten cannot recommend
15:14
Speaker 4: you know what we should do? Though, I move on
15:16
Speaker 4: to the money dilemma. Let's hear it, Hi, there, have
15:21
Speaker 4: you got a money dilemma you just can't solve that.
15:23
Speaker 4: She's on the Money Team is here to help. Every week,
15:26
Speaker 4: we tackle your dilemmas, both big and small, to answer
15:29
Speaker 4: your most burning money, career and life questions. To get involved,
15:33
Speaker 4: simply head to our website and leave us a short
15:35
Speaker 4: voice recording, and you might just find yourself on the
15:37
Speaker 4: show Now let's take a listen to this week's money dilemma.
15:42
Speaker 2: Hey, she's on the money. First of all, love the pod,
15:45
Speaker 2: but I just wanted to ask a quick money question
15:48
Speaker 2: about the latest data hack with Optus. Unfortunately, my details
15:54
Speaker 2: were taken in by the hackers, and I just wanted
15:56
Speaker 2: to ask your thoughts on the best way to protect
16:00
Speaker 2: my finances. In particular, I do remember hearing a money
16:04
Speaker 2: diarist saying that she put a hold with her bank
16:07
Speaker 2: or something, but I couldn't quite find the episode to
16:10
Speaker 2: get that exact information. I also wanted to ask if
16:14
Speaker 2: you had any other helpful tips or tricks to make
16:16
Speaker 2: sure that my finances aren't compromised by the hackers as well.
16:20
Speaker 2: Any information would be great.
16:22
Speaker 4: Thanks Abby, Abby, Abby. So step back two days, go
16:27
Speaker 4: to Wednesday. Listen to that episode. It was literally made
16:30
Speaker 4: for you and everybody else in this circumstance. We talked
16:33
Speaker 4: all about data protection, data breaches, how to protect yourself
16:38
Speaker 4: and keep your data safe.
16:39
Speaker 5: Jess, what were your main takeaways? I think it was
16:42
Speaker 5: just like the safety thing for me, so like being
16:43
Speaker 5: really conscious of where you're putting your information, being careful
16:46
Speaker 5: of what you're just closing online because turns out people
16:49
Speaker 5: can really easily find information even if you think you're
16:52
Speaker 5: being smart with it. Like we spoke about the sould
16:55
Speaker 5: boards out the front of people's houses when they buy
16:57
Speaker 5: them for the first time, so we spoke a little
16:59
Speaker 5: bit about the impact of those things. But if you
17:01
Speaker 5: have been hacked, the tangible steps were really to be preemptive.
17:05
Speaker 5: So don't wait until someone defrauds you. Try and get
17:07
Speaker 5: in front of that boat if you can. And that
17:09
Speaker 5: does mean calling around to different people, including your bank.
17:12
Speaker 5: And that hole that she was talking about was you
17:14
Speaker 5: can literally just put a hold a lot of the times.
17:16
Speaker 5: Now you can turn your card off or your bank
17:19
Speaker 5: account off through your app, but.
17:20
Speaker 4: Yeah, I can just do it through my app and
17:22
Speaker 4: just like can not cancel the card, but just like
17:25
Speaker 4: pause it, which is kind of cool.
17:26
Speaker 5: Yeah, but if you can't do that, give your bank
17:28
Speaker 5: a call on the phone, because they should be able
17:30
Speaker 5: to either turn off, you know, certain types of transactions
17:33
Speaker 5: or at least make sure that someone within their dedicated
17:35
Speaker 5: team is monitoring it for any dodgy looking transactions.
17:40
Speaker 4: I think the one thing to me that was a
17:42
Speaker 4: really big eye opener is obviously these big data breaches
17:45
Speaker 4: are really awful. It's your email, your phone number, your
17:49
Speaker 4: personal information or yeah, like literally all this information that
17:53
Speaker 4: you don't want to get out, And you know that's
17:56
Speaker 4: where I feel unsafe too.
17:57
Speaker 5: I totally get it.
17:59
Speaker 4: But it's kind of those subconscious data breaches as well
18:02
Speaker 4: that we talked about, Like you'll use a name on
18:04
Speaker 4: social media, like why is it Victoria Divine ninety one?
18:08
Speaker 4: Like you guys all know where my birthday is, so
18:10
Speaker 4: I'm not too concerned about me at this stage, but
18:12
Speaker 4: like you instantly assume that that is my birth year,
18:16
Speaker 4: so you have my full name, you have my date
18:19
Speaker 4: of birth. Like I just feel like we don't think
18:22
Speaker 4: about data safety in a way that we should. So, yeah,
18:24
Speaker 4: there was a massive data breach. Were lucky, we know that.
18:27
Speaker 4: But it's all of these subconscious things where people can
18:30
Speaker 4: just go on your Instagram and see your profile and
18:33
Speaker 4: scroll back and see who you dated and what you're like,
18:36
Speaker 4: do you know what I mean? Like find out the
18:38
Speaker 4: security questions to your password because you're like, oh my gosh,
18:41
Speaker 4: my first pet XYZ passed away. Immediately they have your
18:45
Speaker 4: first pet name and that's one of the security questions
18:48
Speaker 4: that you have on your bank and I just think
18:50
Speaker 4: it's so important to think about all of those small things.
18:53
Speaker 4: I'm not saying go and have an alias, but just
18:56
Speaker 4: be really careful because I didn't realize up until few
19:00
Speaker 4: weeks ago my Pinterest name was literally the same, and
19:03
Speaker 4: I was like, yeah, well, I mean it's kind of
19:04
Speaker 4: public knowledge at this point what my birth year is
19:07
Speaker 4: because we talk about it all the time because I'm
19:09
Speaker 4: literally a financial end of your baby, like yeah, and
19:12
Speaker 4: it's kind of funny. But to be honest, even when
19:14
Speaker 4: I've shared that information with the community or posted on
19:17
Speaker 4: my birthday, I didn't think about my data. I was
19:19
Speaker 4: just thinking about sharing a cute picture with my friends.
19:22
Speaker 5: Yeah.
19:22
Speaker 4: So I think it's really interesting now because the world
19:26
Speaker 4: is full of people that I don't want to know,
19:29
Speaker 4: but they might want to know you. So I think
19:30
Speaker 4: it's just be really cautious, be really careful, and don't
19:34
Speaker 4: be a boomer about it.
19:35
Speaker 5: Treat your data with the respect it deserves, which I
19:38
Speaker 5: think we've all gotten a bit lax with because we got.
19:40
Speaker 4: Entirely I totally have as well, and I kind of
19:43
Speaker 4: just don't think about it. I'm just like, yeah, okay,
19:45
Speaker 4: no worries, Like oh yeah, but Babby.
19:48
Speaker 5: Definitely listen to that episode because we cover it off
19:50
Speaker 5: on so many things, really tangible tips as well as
19:53
Speaker 5: some things to keep an eye out for. We've also
19:55
Speaker 5: done an episode in the past called Scamdalous, Huge and Delicious.
20:00
Speaker 5: I was gonna say, sc.
20:02
Speaker 3: A, We're.
20:05
Speaker 4: We're not going there, but we can't sing. That's why
20:07
Speaker 4: we have a podcast, not music videos. Very true, but
20:10
Speaker 4: definitely go back and check that out as well because
20:12
Speaker 4: it had lots of tips and tricks on what to
20:14
Speaker 4: do if your details are scammed and being used for
20:16
Speaker 4: something on slavery. Also, the other thing before we go
20:19
Speaker 4: is that you can call any of your providers and
20:22
Speaker 4: ask them for the information that they have on you.
20:24
Speaker 4: If you're feeling a little bit uneasy, you can actually
20:26
Speaker 4: call the bank and be like, hey, what information do
20:28
Speaker 4: you have on file about me? And they have to
20:30
Speaker 4: share that with you, and you can actually request that
20:33
Speaker 4: once they've used it, it be destroyed. So yeah, handy,
20:37
Speaker 4: handy hint. But in saying that, I think that my
20:39
Speaker 4: last piece of advice for the week, Miss Jessica read
20:41
Speaker 4: she I think it's time to go.
20:43
Speaker 5: Let's go get a drink.
20:44
Speaker 4: Ten out of ten. Idea Let's go see you guys
20:47
Speaker 4: next week.
20:47
Speaker 5: Bye.
20:54
Speaker 4: The advice shared on Cheese on the Money is generally
20:56
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