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Have You Checked Your Credit Score Lately? · She's On The Money

• 0:00
  Speaker 1: Hello, My name's Santasha Nabananga Bamblet. I'm a proud Order
• 0:05
  Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 1: get started on She's on the Money podcast, I would
• 0:11
  Speaker 1: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 1: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 1: the elders, the ancestors and the next generation coming through
• 0:23
  Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  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.
• 0:57
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 2: for millennials who want financial freedom. My friends, guess what
• 1:04
  Speaker 2: it is Friday. We are back and it is time
• 1:07
  Speaker 2: to get my team together to celebrate you our incredible
• 1:10
  Speaker 2: She's on the Money community Today, mister Grici, She's going
• 1:14
  Speaker 2: to share our favorite money wins or her favorite money
• 1:16
  Speaker 2: wins from the community. Miss beck sayed has a few
• 1:19
  Speaker 2: broke tips that she definitely didn't steal from her girlfriend.
• 1:22
  Speaker 2: We're going to be helping to answer a juicy money
• 1:24
  Speaker 2: dilemma which this week is all about how to improve
• 1:27
  Speaker 2: your credit score, and we're going to be unpacking something
• 1:29
  Speaker 2: that you slid into our DMS about how much is too
• 1:32
  Speaker 2: much when it comes to chipping in for workers.
• 1:36
  Speaker 4: Oh, I have feelings.
• 1:38
  Speaker 2: I'm excited to get to that one. But before we
• 1:40
  Speaker 2: get there, guys, how are your weeks? What's it been
• 1:44
  Speaker 2: like in the office? Beck? At home? Jess? What are
• 1:48
  Speaker 2: we up to?
• 1:49
  Speaker 4: Not a whole lot, to be honest, The weather has
• 1:51
  Speaker 4: taken a turn for the worst. Get me, but I
• 1:53
  Speaker 4: feel we had a few nice days. I was like,
• 1:55
  Speaker 4: I feel alive. I've been resurrected from my winter slumber.
• 2:00
  Speaker 4: And then it started raining again and I was like,
• 2:02
  Speaker 4: oh no, back in slumber. Yeah. So I enjoyed the
• 2:07
  Speaker 4: summer we had it. But this week it's been like
• 2:09
  Speaker 4: cozy indoor vibes, lots of crafts, lots of just pottering
• 2:12
  Speaker 4: around the house.
• 2:13
  Speaker 2: I noticed that you and I have whipped out our cardigans.
• 2:16
  Speaker 4: We have we have very tasty.
• 2:18
  Speaker 2: Earlier this week or even over the weekend, I was
• 2:21
  Speaker 2: literally wearing T shirt. I was not no jumper under cardigan.
• 2:25
  Speaker 2: I thought it is on the up, some is coming,
• 2:29
  Speaker 2: and then the weather was like, hey, guess what gas
• 2:32
  Speaker 2: lip CARDI whether it is exactly Beck, how's your week
• 2:36
  Speaker 2: day you've been in the office.
• 2:38
  Speaker 5: If it's been good, it's been really fun rafughing so busy.
• 2:43
  Speaker 5: They feel like every week so tired too, because you've
• 2:45
  Speaker 5: been doing breakfast shows. Breakfast shows, which like, I mean,
• 2:49
  Speaker 5: I'm really it's fun. I'm happy to be doing it.
• 2:51
  Speaker 5: I am just filling in, But getting up at four am.
• 2:54
  Speaker 2: Like that is David.
• 2:56
  Speaker 5: It feels like not okay for the body, it feels
• 2:59
  Speaker 5: like really illegal. I'm saying this before I was like,
• 3:02
  Speaker 5: oh my gosh, like breakfast radio would be a lot.
• 3:06
  Speaker 5: I mean, shift workers probably go through this too, but
• 3:09
  Speaker 5: like you would have to reset your.
• 3:11
  Speaker 2: Entire body clock. Like it's not just shift work where
• 3:14
  Speaker 2: sometimes you're doing it, sometimes you're not. Like if you
• 3:16
  Speaker 2: work for a breakfast radio show that's Monday to Friday
• 3:19
  Speaker 2: every single week at four am, Like what time do
• 3:23
  Speaker 2: you go to bed? Like four pm?
• 3:24
  Speaker 5: Absolutely some of these people have children as well, so
• 3:28
  Speaker 5: they can't ever sleep in and they probably haven't in
• 3:31
  Speaker 5: years and years and years. So but I mean this
• 3:34
  Speaker 5: is a little glimpse of that.
• 3:35
  Speaker 6: But.
• 3:37
  Speaker 5: Not for me, not for me, but like other than that. Honestly,
• 3:40
  Speaker 5: it's been It's been really good. My social calendar is
• 3:43
  Speaker 5: filling up, and my work calendar is filling up. Birthday month,
• 3:46
  Speaker 5: it's still birthday month. I might just like book myself
• 3:48
  Speaker 5: an airbnb just alone for celebrations as another birthday celebration.
• 3:53
  Speaker 2: Like, no, I've been I've been chilling. What about you?
• 3:56
  Speaker 2: How good this week? I mean Josh today he is
• 4:00
  Speaker 2: let's call him like head of reception, community engagement manager.
• 4:04
  Speaker 2: He buys our love on a weekly basis, right like
• 4:07
  Speaker 2: he's keeper of the jar of chocolates. He's keeper of
• 4:10
  Speaker 2: everything good that comes into this office space. And today
• 4:14
  Speaker 2: he met us at the door with wat chess donuts,
• 4:17
  Speaker 2: really good donuts, a selection. He was like, I have
• 4:20
  Speaker 2: boxes and boxes of donuts and I was like, yes, king,
• 4:23
  Speaker 2: thank you. So that was really nice.
• 4:26
  Speaker 5: I don't know.
• 4:26
  Speaker 2: I've been getting back into the flow of things. I've
• 4:28
  Speaker 2: been playing around on our website, updating a few things.
• 4:31
  Speaker 2: I feel like Jess and I were talking about square
• 4:33
  Speaker 2: space before and how obsessed I am with it. Obviously
• 4:36
  Speaker 2: not a sponsored conversation, but just like how much I
• 4:39
  Speaker 2: now think I'm an official web designer because I can
• 4:41
  Speaker 2: do anything guys, do you want a web page builtback?
• 4:44
  Speaker 2: It's me. I'm going to do it. I can do it.
• 4:47
  Speaker 5: It's so satisfying.
• 4:48
  Speaker 2: Well, I love it. You'd probably be all over it
• 4:50
  Speaker 2: because you're like, yeah, like you know everything, but like me,
• 4:54
  Speaker 2: a person like me doing our website.
• 4:59
  Speaker 4: I'm trying to set mine up for my side hustle.
• 5:01
  Speaker 4: So I come to you.
• 5:02
  Speaker 2: Can we please have a wine? You can teach me
• 5:04
  Speaker 2: how to make one of your cute charm necklaces, and
• 5:06
  Speaker 2: I'll hack your website.
• 5:07
  Speaker 4: I love that.
• 5:08
  Speaker 2: I've also been just in the office a lot this week.
• 5:11
  Speaker 2: We hired a new mortgage broker and I'm currently looking
• 5:13
  Speaker 2: for one, which is so exciting because the team's growing again.
• 5:17
  Speaker 2: But with team growth comes team training and like just
• 5:20
  Speaker 2: getting everyone up to speed and getting everyone on the
• 5:23
  Speaker 2: same page and like it's exciting, but like it's time consuming.
• 5:27
  Speaker 2: So that's been my week this week. Donuts definitely the highlight.
• 5:31
  Speaker 4: Oh yeah, and also our equal payday Monday seems.
• 5:36
  Speaker 2: So far away now that it's Friday, but I love
• 5:39
  Speaker 2: a spicy conversation.
• 5:41
  Speaker 4: Every year, I look forward to the just horrible, horrible comments.
• 5:47
  Speaker 2: You've been watching the comments, like it's so funny because
• 5:51
  Speaker 2: the girls actually don't let me post to the shoes
• 5:54
  Speaker 2: on the money account anymore. Apparently I'm a little bit assertive,
• 5:58
  Speaker 2: you could say, beg and like their feed to be aesthetic,
• 6:01
  Speaker 2: and what I am not good at is an aesthetic feed.
• 6:04
  Speaker 2: I'll just go rogue and post like a picture of
• 6:05
  Speaker 2: my dog or something, which, to be honest, I reckon
• 6:08
  Speaker 2: is still pretty engaging, like that's good content according to me. Anyway.
• 6:13
  Speaker 2: The girls don't let me, but what I do do
• 6:15
  Speaker 2: is get in the comments.
• 6:17
  Speaker 4: Can't control from them.
• 6:21
  Speaker 2: Didn't delete my comments, but you can't block me because
• 6:23
  Speaker 2: I'm the boss. So it was fun getting in the
• 6:27
  Speaker 2: comments this week of people being like, well, actually it's this,
• 6:30
  Speaker 2: and I'd be like, sit down, it's not, it's not.
• 6:33
  Speaker 5: It's so funny that people get worked like I get.
• 6:36
  Speaker 5: I do it in every it's always, but it just
• 6:39
  Speaker 5: feels like like if there's any a single man listening,
• 6:42
  Speaker 5: just try and imagine that something feels unjust for you
• 6:45
  Speaker 5: and everyone's saying that it's not actually unjust, and no
• 6:47
  Speaker 5: one believes you, and then and then also they don't
• 6:50
  Speaker 5: believe you, but also the being really mean about it
• 6:51
  Speaker 5: as well, like you feel really sad son. When women
• 6:54
  Speaker 5: get in the comments, I'm always like, babe, I'm just
• 6:57
  Speaker 5: trying to make sure that you and your friends have money,
• 7:00
  Speaker 5: Like do you not want to be on my team?
• 7:02
  Speaker 2: Like totally, what about this is triggering for you? Can
• 7:07
  Speaker 2: we talk about it? It's I think the comments Obviously,
• 7:09
  Speaker 2: I can deal with men who've been dealing with men
• 7:11
  Speaker 2: for a very long time, like sit down. But it's
• 7:14
  Speaker 2: when women get in the comments and they say, well,
• 7:16
  Speaker 2: I'm paid equally, and I'm like.
• 7:18
  Speaker 5: That is literally survivor bias, Like that is you having
• 7:22
  Speaker 5: experienced one thing and thinking that that's the experience of
• 7:25
  Speaker 5: everybody because you've had this one experience.
• 7:28
  Speaker 2: So it must be true. When they get in my
• 7:31
  Speaker 2: comments and I'm just like, guys, I actually just want
• 7:33
  Speaker 2: the best for everybody, Like I want to make sure
• 7:36
  Speaker 2: that if beck is doing a job and a male
• 7:39
  Speaker 2: is doing an identical job, they are both going to
• 7:42
  Speaker 2: get paid exactly the same for the same skills and
• 7:45
  Speaker 2: experience and what they bring to the job. It's not
• 7:47
  Speaker 2: about oh, but men's jobs take on more risks and
• 7:51
  Speaker 2: women take maternity leave. Oh I get that, but we're
• 7:54
  Speaker 2: talking about when women aren't on any type of leave,
• 7:57
  Speaker 2: they are still being paid less per hour than a
• 7:59
  Speaker 2: man for exactly the same job. And that's what gets me,
• 8:03
  Speaker 2: as you can see, going totally.
• 8:06
  Speaker 5: Pal's not a pie, you guys. It's not going to
• 8:08
  Speaker 5: be taken away from anyone else. So just anyway, sorry, Jess.
• 8:11
  Speaker 2: How is not a pie? Can we make that?
• 8:13
  Speaker 4: That's very catchup? I'm put that on a T shirt.
• 8:16
  Speaker 4: A pie. But if you didn't know, equal payday is
• 8:20
  Speaker 4: just about recognizing the fifty additional days that women on
• 8:22
  Speaker 4: average have to work to earn the same as a
• 8:24
  Speaker 4: man in a comparable job. We did a really good
• 8:27
  Speaker 4: summary post if you don't know about it and want
• 8:29
  Speaker 4: to learn more. And the WGEA, which is the Workplace
• 8:32
  Speaker 4: Gender Equality Agency, do a lot of data. It's a
• 8:35
  Speaker 4: government body. There's a lot of really great information on
• 8:37
  Speaker 4: their website. We would really encourage you to check it
• 8:39
  Speaker 4: out just because, as Beck said, fight the good fight,
• 8:42
  Speaker 4: and even if it's not impacting you, you'll hopefully be
• 8:45
  Speaker 4: able to improve life for somebody else.
• 8:46
  Speaker 5: And this is why Jess sits on that side of
• 8:48
  Speaker 5: the table, you know, coming with the stats, coming with
• 8:51
  Speaker 5: the facts, coming with the very beautiful posts that you
• 8:55
  Speaker 5: can check out, Yes, and I'm over here fighting the
• 8:57
  Speaker 5: good fight.
• 9:00
  Speaker 2: Deep in the comments, kind of like a troll. But
• 9:03
  Speaker 2: it's my own business.
• 9:04
  Speaker 4: And we need both.
• 9:05
  Speaker 5: We honestly need take.
• 9:06
  Speaker 4: All to go make the world go round.
• 9:07
  Speaker 6: Yeah, really done?
• 9:08
  Speaker 2: Yeah, all right, no worries. Speaking of the world going around,
• 9:12
  Speaker 2: there have been some very good money wins going around
• 9:14
  Speaker 2: in our Facebook group this week with Jazicricci. What have
• 9:17
  Speaker 2: you got to bring to the table? Alrighty.
• 9:19
  Speaker 4: Firstly, this week, I have a money in from Isabella
• 9:21
  Speaker 4: who said she had enough Telstra points that she got
• 9:23
  Speaker 4: two free tickets to the movies this week.
• 9:26
  Speaker 2: What are Telstra points? Yes, another type of points we
• 9:29
  Speaker 2: can be collected.
• 9:30
  Speaker 4: Actually, we're just racking up ideas of the different points,
• 9:33
  Speaker 4: and movie tickets aren't cheap, so I feel like that's
• 9:35
  Speaker 4: a big win. Next, I've got a money in from Kim,
• 9:38
  Speaker 4: who said she used the tourist refund scheme at the airport.
• 9:42
  Speaker 4: She bought four hundred dollars Sony headphones on sale for
• 9:44
  Speaker 4: three hundred and twenty one dollars. She's now flying out
• 9:47
  Speaker 4: and twenty nine dollars came back to her through the
• 9:50
  Speaker 4: tourist refund scheme.
• 9:51
  Speaker 2: Huh. Sexy.
• 9:53
  Speaker 4: I didn't know what it was, so I did a
• 9:54
  Speaker 4: quick google and apparently if you show your passport, your
• 9:57
  Speaker 4: boarding pass and all those sorts of things, they just
• 9:59
  Speaker 4: re fung you the money back at the airport.
• 10:01
  Speaker 2: Refunge you tax. Yeah.
• 10:02
  Speaker 4: Is that crazy?
• 10:03
  Speaker 2: So if you're gonna make a big purchase before going overseas,
• 10:07
  Speaker 2: and I feel like that's a really good example of it, right,
• 10:09
  Speaker 2: Like noise canceling headphones, you like wanted some for a
• 10:12
  Speaker 2: really long time, but haven't justified the purchase, and then
• 10:15
  Speaker 2: finally you're like, you know what, I'm going to be
• 10:17
  Speaker 2: in economy for like twenty four hours. I feel like
• 10:20
  Speaker 2: now's the time to splurge on some noise canceling headphones.
• 10:23
  Speaker 4: Get the tax back, Yeah, buy them right before you
• 10:26
  Speaker 4: leave completely. So that's a great win from Kim one
• 10:29
  Speaker 4: for all of us. I think to keep in mind
• 10:30
  Speaker 4: if you're planning on traveling next. I've got a money
• 10:33
  Speaker 4: win from Rachel, also airport themed. Actually, she said she
• 10:36
  Speaker 4: was bumped off a flight because it was overbooked, so
• 10:38
  Speaker 4: they put her on another flight the next day out,
• 10:41
  Speaker 4: which delayed her by eight hours. To compensate her, they
• 10:44
  Speaker 4: gave her twice the value of her ticket back and
• 10:46
  Speaker 4: two meal about it. So you didn't even have to
• 10:48
  Speaker 4: pay for lunch or dinner.
• 10:49
  Speaker 5: Money weird, So I mean that would have been if
• 10:52
  Speaker 5: we can, if we're like assuming that both flights were
• 10:55
  Speaker 5: kind of like the same like return, then that was
• 10:58
  Speaker 5: all free free completely.
• 11:00
  Speaker 4: Have you seen those videos on TikTok as well. I
• 11:02
  Speaker 4: don't think this is a thing here. I think it's
• 11:03
  Speaker 4: purely an American thing. But again, with the overbooking of
• 11:06
  Speaker 4: flights and everyone turns up and they need to get
• 11:09
  Speaker 4: people off, they start offering people cash. And there there
• 11:12
  Speaker 4: was this video of this girl who was like, oh,
• 11:14
  Speaker 4: I'm flying from Italy back home or something like that.
• 11:16
  Speaker 4: The flight's oversold. She's like, I'm just going to wait
• 11:18
  Speaker 4: and see how high it goes, because like I can
• 11:20
  Speaker 4: wait a day and that's fine. And so they started
• 11:22
  Speaker 4: like six hundred dollars, anyone to get off the flight.
• 11:24
  Speaker 4: Six hundred dollars. No one took her. It went up
• 11:26
  Speaker 4: to eight hundred, it went out to twelve thousands, sixteen
• 11:28
  Speaker 4: hundred dollars, and they just put it on another flight.
• 11:32
  Speaker 4: So like, she's not out, she's to pay for sixteen
• 11:34
  Speaker 4: hundred dollars overnight hotel. I think maybe a meal voucher
• 11:38
  Speaker 4: as well.
• 11:38
  Speaker 5: And she's like, I don't care. I'm just going to
• 11:40
  Speaker 5: tell my employer that my flight got canceled, which it
• 11:43
  Speaker 5: kind of did.
• 11:43
  Speaker 2: I got bumped and literally crazy, Oh my gosh.
• 11:47
  Speaker 4: So you go. And someone replied and asked, did you
• 11:49
  Speaker 4: have to request this compensation or did they just offer it?
• 11:52
  Speaker 4: And Rachel, who shared the money in, said she's gotten
• 11:54
  Speaker 4: the compensation from airlines before. It usually requires you getting
• 11:57
  Speaker 4: out the t's and c's and like someone so just
• 12:01
  Speaker 4: from a bar, if you get put out, read you
• 12:03
  Speaker 4: t's and c's, because it's true, that's a money win.
• 12:05
  Speaker 2: And it's usually right there. But they're not going to
• 12:08
  Speaker 2: step up and be like, oh, Beck, by the way,
• 12:09
  Speaker 2: because you're impacted, we owe you money.
• 12:11
  Speaker 5: They're going to be like chasy down the time. Yeah,
• 12:13
  Speaker 5: they're gonna be like, we gave you like dinner vouchers. Yeah,
• 12:15
  Speaker 5: and you're like, oh my gosh, yes, so grateful, thanks bye. Yeah,
• 12:18
  Speaker 5: there's some cash on the table, pick it up.
• 12:21
  Speaker 2: Yeah, truely.
• 12:23
  Speaker 4: Next, I've had of money in from Laura, who said
• 12:25
  Speaker 4: she's been wanting to buy the Glasson's trench coat for
• 12:28
  Speaker 4: a while. They're normally ninety nine dollars, and she had
• 12:30
  Speaker 4: a fifty dollars voucher, but she thought she could do better,
• 12:32
  Speaker 4: so she waited for a sale. They've just gone on
• 12:35
  Speaker 4: sale for fifty nine dollars, so she only paid nine bucks.
• 12:38
  Speaker 4: What and I have that trench coat? Or I bought
• 12:40
  Speaker 4: a version of that trench coat two years ago, Victorians,
• 12:43
  Speaker 4: this trenchcoat comes with me everywhere.
• 12:45
  Speaker 2: Oh my gosh, all right, sit down, sit down. I
• 12:47
  Speaker 2: don't know if it's a running joke. I think it's
• 12:49
  Speaker 2: just funny. Right if you go to the airport with Jess,
• 12:52
  Speaker 2: which often we do as a team, So like we'll
• 12:55
  Speaker 2: be at the airport and there'll be a group of
• 12:57
  Speaker 2: girls and let's say Jess comes last, will literally go,
• 13:00
  Speaker 2: all right, who's putting bets in? What's Ess wearing? I
• 13:03
  Speaker 2: know what Jess is going to wear? And I won
• 13:05
  Speaker 2: last time because none of them knew that this was
• 13:06
  Speaker 2: going to be true. I said she's going to turn
• 13:08
  Speaker 2: up active wear and a trench.
• 13:10
  Speaker 5: Coat, and everyone was like, why would she be wearing
• 13:13
  Speaker 5: active wear with a trench coat.
• 13:15
  Speaker 2: I was like, I don't know, it makes sense to Jess,
• 13:18
  Speaker 2: So that's what she's going to be wearing. And Brook
• 13:20
  Speaker 2: was literally like why though, no, it's true. Jess's travel
• 13:24
  Speaker 2: outfit is active wear with a trench coat because Jess
• 13:26
  Speaker 2: gets cold on the flight and she can use the
• 13:28
  Speaker 2: trench coat as a blanket.
• 13:30
  Speaker 4: Looks kind of cute.
• 13:31
  Speaker 5: I mean, no one, No one's debating that you didn't
• 13:33
  Speaker 5: look cute. Like we're not sitting there being like, oh,
• 13:35
  Speaker 5: what's just going to turn up with? Usually we're going
• 13:37
  Speaker 5: what's just wearing? Because she looks cute. She's literally a
• 13:40
  Speaker 5: fashion influencer. I can picture it in my head. I
• 13:43
  Speaker 5: am picturing a for Dora for some reason.
• 13:44
  Speaker 7: But no, and then I feel like this is a
• 13:54
  Speaker 7: different trench coat vibe.
• 13:56
  Speaker 4: Imagine candy.
• 14:03
  Speaker 2: Fashion blogger sit down.
• 14:06
  Speaker 5: Well, I do wann't know about the acting way, but
• 14:08
  Speaker 5: I don't know that if we're running out of time
• 14:10
  Speaker 5: on moving up, okay, let's move.
• 14:13
  Speaker 2: Money win.
• 14:14
  Speaker 4: Lastly, I've got another points win from Jackie who said
• 14:18
  Speaker 4: she's wrapped up so many points on the McDonald DApp
• 14:22
  Speaker 4: that she's being free coffees every day. What do you
• 14:25
  Speaker 4: know you could get points on the McDonald You.
• 14:26
  Speaker 2: Can't get points from literally everything.
• 14:29
  Speaker 4: This is so exciting.
• 14:30
  Speaker 2: Do you want to start a new podcast? It's she's
• 14:32
  Speaker 2: on the points? Just talk about points hacking sounds incredible.
• 14:37
  Speaker 2: I mean it would fly bys if you're listening. Slide
• 14:40
  Speaker 2: into my DMS right now. Absolutely.
• 14:42
  Speaker 4: Chat.
• 14:43
  Speaker 2: Let's move on though, what broke tips you're bringing to
• 14:46
  Speaker 2: the table this week that aren't stolen?
• 14:49
  Speaker 5: I always get so nervous. I don't know.
• 14:52
  Speaker 4: I don't know more than a year.
• 14:55
  Speaker 5: May I just you know I'm not not an attention seeker.
• 14:58
  Speaker 5: Will I'll take it?
• 14:59
  Speaker 2: I'm sorry, not an attention seeker. Hold on, what's your
• 15:05
  Speaker 2: dream career? Isn't it to be in the limelight? I'm sorry? Yes,
• 15:12
  Speaker 2: as a stand up comedian, I would know. I don't
• 15:15
  Speaker 2: think I could do that.
• 15:16
  Speaker 5: I would like to what you want to do if
• 15:18
  Speaker 5: the pressure wasn't.
• 15:19
  Speaker 4: There, you know, if everything that you get on stage
• 15:22
  Speaker 4: you get. Hey, if I in the audience, I'm gonna
• 15:23
  Speaker 4: need to turn around and close your eyes.
• 15:26
  Speaker 5: And don't expect me to be funny, and then maybe
• 15:28
  Speaker 5: I'll be pleasant.
• 15:30
  Speaker 4: Let it wash you.
• 15:31
  Speaker 2: Totally totally right. As somebody who doesn't like the limelight,
• 15:34
  Speaker 2: let's shine someone you.
• 15:36
  Speaker 5: Okay, So thank you so much so. The first one
• 15:39
  Speaker 5: comes from one of our community members. She says that
• 15:42
  Speaker 5: she has a.
• 15:42
  Speaker 2: Break tip for me. She's got two young kids.
• 15:44
  Speaker 5: Buying nappies and formula and supplies like dummies, et cetera
• 15:48
  Speaker 5: is crazy expensive. So a few weeks ago when money
• 15:50
  Speaker 5: was tight, they had to get nappies and a few
• 15:52
  Speaker 5: other things, but could make it work into their weekly
• 15:55
  Speaker 5: grocery budget. So went to Big w week and get nappies,
• 15:58
  Speaker 5: bought two of them a few baby thing and got
• 16:00
  Speaker 5: ten percent off with everyday rewards and paid for the
• 16:04
  Speaker 5: via after pay. So smart, She's like hacked it for
• 16:07
  Speaker 5: something she actually needs totally. So I first of all,
• 16:10
  Speaker 5: I didn't actually know you get teen percent off with
• 16:11
  Speaker 5: everyday rewards in bigw so because.
• 16:14
  Speaker 2: It's owned by the same group. Yeah, Like it's incredible.
• 16:16
  Speaker 5: And also after pay, like smaller expenses things that you
• 16:19
  Speaker 5: can I mean, I actually have no idea how much
• 16:21
  Speaker 5: that would have come to ye If you use it wisely,
• 16:23
  Speaker 5: it can be exactly cash flow it. Thank you.
• 16:27
  Speaker 2: So I think it's a really really great idea.
• 16:28
  Speaker 5: So there you go that use your every day rewards
• 16:31
  Speaker 5: everywhere all the time. Ten percent that's a good money win.
• 16:34
  Speaker 5: That's really good This next one comes from Bethany.
• 16:37
  Speaker 2: So this one is one we have.
• 16:39
  Speaker 5: Do you guys remember when oh, actually v you went here,
• 16:42
  Speaker 5: but we had that broke not.
• 16:44
  Speaker 4: Bread chick dads, not the broad chicks, the dad dads,
• 16:49
  Speaker 4: the two broke dads who.
• 16:51
  Speaker 2: Are not broke. You were not broke, not even close. No, no, no.
• 16:55
  Speaker 2: One of them posted online this week that they bought
• 16:57
  Speaker 2: a two million dollar beach house.
• 17:00
  Speaker 5: Definitely, well, you know, maybe they couldn't afford the three
• 17:03
  Speaker 5: mill and that's a real shape.
• 17:05
  Speaker 2: Yeah, still grade.
• 17:07
  Speaker 5: So they were talking about how you just like you
• 17:09
  Speaker 5: don't actually have to use that much laundry urchain.
• 17:11
  Speaker 2: So basically true.
• 17:13
  Speaker 5: Yeah, and that's like just coming from a regular person.
• 17:17
  Speaker 5: But Bethany said that she literally got this advice from
• 17:21
  Speaker 5: the person installing her washing machine. From the good guys.
• 17:24
  Speaker 5: They said that you can basically just use one third
• 17:26
  Speaker 5: or one half of scoop washing powder. But also, white
• 17:29
  Speaker 5: vinegar is a great fabric softener softener. Why did I
• 17:31
  Speaker 5: say it like that?
• 17:32
  Speaker 2: You know what, I love a softener, But that's true.
• 17:35
  Speaker 2: In fact, I don't even use softener anymore because it
• 17:39
  Speaker 2: sticks to your clothes and makes them less like able
• 17:42
  Speaker 2: for them yeah, it's not good for them. I mean
• 17:44
  Speaker 2: it's like conditioner for your hair. I guess, like try white.
• 17:47
  Speaker 5: I can't imagine not smelling like a lovely vineagrette after
• 17:51
  Speaker 5: you've cleaned your clothes, but just give it.
• 17:53
  Speaker 1: No.
• 17:54
  Speaker 2: Vinegar doesn't smell after you've instant out. Thankfully, it's good
• 17:57
  Speaker 2: for cleaning.
• 17:57
  Speaker 4: The washing machine too, Like washing machines as we run
• 18:00
  Speaker 4: like a buy cub and then a vinegar load and
• 18:03
  Speaker 4: it's it.
• 18:03
  Speaker 2: Gets rid of it. It's a Grade three science project volcano.
• 18:08
  Speaker 2: I love that.
• 18:09
  Speaker 5: Well anyway, that's all I've got for this week.
• 18:11
  Speaker 2: How good? All right, let's go to a really quick
• 18:14
  Speaker 2: break on the flip side. We're going to be talking
• 18:15
  Speaker 2: about how you can improve your credit score, and I
• 18:18
  Speaker 2: can't wait to get to this, but we are going
• 18:20
  Speaker 2: to be talking about how much it's too much when
• 18:22
  Speaker 2: it comes to chipping in for work presence, and I
• 18:25
  Speaker 2: think that Jess is going to get a bit spicy.
• 18:28
  Speaker 2: We don't do that at she's on the money, but
• 18:30
  Speaker 2: I feel like she might be triggered by a pastwork place,
• 18:33
  Speaker 2: so I can't wait to tell you about that.
• 18:34
  Speaker 5: Beck.
• 18:38
  Speaker 4: Welcome back, everybody. Let's take a listen to this week's
• 18:40
  Speaker 4: money dilemma.
• 18:44
  Speaker 2: Hi, there, have you got a money dilemma you just
• 18:46
  Speaker 2: can't solve that She's on the Money Team is here
• 18:48
  Speaker 2: to help. Every week we tackle your dilemmas, both big
• 18:52
  Speaker 2: and small, to answer your most burning money, career and
• 18:55
  Speaker 2: life questions. To get involved, simply head to our website
• 18:58
  Speaker 2: and leave us a short voice recording and you might
• 19:00
  Speaker 2: just find yourself on the show. Now, let's take a
• 19:03
  Speaker 2: listen to this week's money dilemma.
• 19:07
  Speaker 6: Hihoose on the Money Team. First off, I love your
• 19:10
  Speaker 6: podcast so much. It has taught me so so much
• 19:14
  Speaker 6: about finance that I never thought I needed to know,
• 19:16
  Speaker 6: So thank you for that. And yeah, always very entertaining.
• 19:20
  Speaker 6: But anyway, I'm hoping you might be able to help
• 19:23
  Speaker 6: me gain some insight on how to boost my credit score.
• 19:27
  Speaker 6: I damaged it a little bit when I was being
• 19:29
  Speaker 6: careless and I just generally didn't really understand what it
• 19:33
  Speaker 6: all meant. And now I'm in the process of trying
• 19:35
  Speaker 6: to build it back up. I've cleared my debts, I
• 19:37
  Speaker 6: don't use my credit card, and I'm not really sure
• 19:40
  Speaker 6: where to go from here, so any advice would be appreciated.
• 19:44
  Speaker 6: Thank you so much.
• 19:46
  Speaker 2: Okay, I feel like, Jess, we've been doing the show
• 19:48
  Speaker 2: long enough that I'm probably not needed for this. How Jess,
• 19:51
  Speaker 2: do you improve your credit score?
• 19:53
  Speaker 4: It's really good because I think a lot of people
• 19:55
  Speaker 4: get confused thinking Australia's like America and you have to
• 19:58
  Speaker 4: do all these things and all these credit cards, which
• 19:59
  Speaker 4: you don't in Australia. It's pretty much the reverse of
• 20:02
  Speaker 4: how you get a bad credit score. You get a
• 20:03
  Speaker 4: bad credit score by being not necessarily the most responsible
• 20:07
  Speaker 4: with your money, or by opening a lot of lines
• 20:09
  Speaker 4: of credits if you have lots of credit cards open,
• 20:12
  Speaker 4: or if you have lots of personal loans, or if
• 20:14
  Speaker 4: you default on payments on bills or default on payments
• 20:17
  Speaker 4: on fines, like all those kinds of things. So the
• 20:20
  Speaker 4: reverse of that is basically true to making it better.
• 20:23
  Speaker 4: Pay your bills on time, if you can close credit cards,
• 20:27
  Speaker 4: pay down personal loans, reduce all of those things. You know,
• 20:31
  Speaker 4: your water bills, if you've got fines, pay those. It
• 20:33
  Speaker 4: can take a little while. But even now I don't
• 20:36
  Speaker 4: know if it must be my credit card, But every
• 20:38
  Speaker 4: now and again my credit score takes a point and
• 20:40
  Speaker 4: I'm like, I don't know how but it did, and I'm.
• 20:42
  Speaker 2: Just pretty sexy.
• 20:43
  Speaker 4: Yeah, and I'm just paying everything on time basically.
• 20:46
  Speaker 2: That's just she's just good at money. Bit, that's her
• 20:48
  Speaker 2: just bragging to us. Oh my credit score just goes up,
• 20:51
  Speaker 2: all the ticks up a point.
• 20:55
  Speaker 5: Just must be minded to actually and this is oh yeah.
• 21:00
  Speaker 2: Remember saying for those of you playing along at home, Yeah,
• 21:02
  Speaker 2: maybe haven't gone twelve months back, Like why was your
• 21:05
  Speaker 2: credit score through the floor.
• 21:06
  Speaker 5: Well, I was bankrupt when I was like twenty five.
• 21:09
  Speaker 5: Maybe there was like six seven years ago now, but
• 21:12
  Speaker 5: coming up.
• 21:12
  Speaker 2: To seven years that's almost off your finance record, isn't
• 21:15
  Speaker 2: that exciting?
• 21:15
  Speaker 5: Yeah, And I honestly I think it was, Like so
• 21:17
  Speaker 5: I think the max is like seven eight hundred, right, yep,
• 21:20
  Speaker 5: and then impending.
• 21:21
  Speaker 2: On who you go through. So there's a few different
• 21:25
  Speaker 2: companies in Australia. I would say that Equifax is the
• 21:28
  Speaker 2: biggest one and they go up to twelve hundred. Oh okay, okay.
• 21:31
  Speaker 4: Experience is experience.
• 21:33
  Speaker 2: Yeah, so there's a copy. Yeah, So you're not wrong,
• 21:36
  Speaker 2: it's just there's a lot of.
• 21:37
  Speaker 5: Different I just I think I'm worried that there's like
• 21:42
  Speaker 5: I've read it wrong or something, because this doesn't seem right.
• 21:44
  Speaker 5: But I was on two hundred for so long, two
• 21:46
  Speaker 5: hundred point, which is very, very low. I couldn't get
• 21:48
  Speaker 5: any credit, which is obviously totally fine, but I also
• 21:51
  Speaker 5: couldn't get like a phone plan or anything like that.
• 21:53
  Speaker 5: I couldn't get utilities, all these things anyway, And then
• 21:56
  Speaker 5: I jumped up to five hundred, like just this year.
• 21:59
  Speaker 2: I don't I could have consistency. It's consistency. It's not
• 22:04
  Speaker 2: being in debt, it's you know, when they do their checks,
• 22:07
  Speaker 2: it's you're not having further debt. These things play into it.
• 22:11
  Speaker 2: And I think we as just were saying in this
• 22:13
  Speaker 2: American mindset of you get a credit card, and if
• 22:16
  Speaker 2: you are good at your credit card, your credit score
• 22:19
  Speaker 2: will increase, but that's not really the case here in Australia.
• 22:23
  Speaker 2: I think that the credit score actually plays into this
• 22:26
  Speaker 2: bigger picture of what I would call credit worthiness, and
• 22:31
  Speaker 2: that would be to me, very based on like your
• 22:34
  Speaker 2: financial health and your history. And because your bankruptcy is
• 22:37
  Speaker 2: getting further and further into the past, your credit score
• 22:41
  Speaker 2: is increasing because you haven't stayed there. And I think
• 22:43
  Speaker 2: that that's really powerful.
• 22:45
  Speaker 5: Oh that makes sense. Well, I literally just got a
• 22:47
  Speaker 5: proof of a phone plan the other day and not
• 22:51
  Speaker 5: being able to do that in that literal years, so
• 22:53
  Speaker 5: it's so.
• 22:54
  Speaker 2: Frustrating, Like it was fine.
• 22:55
  Speaker 5: I was just like, oh, buying phones outright is like
• 22:58
  Speaker 5: kind of annoying. But if you've got on bankrupt, you
• 23:00
  Speaker 5: don't have the cash to be buying phones outright, like
• 23:04
  Speaker 5: I feel like. Don't get me wrong, there's often a
• 23:07
  Speaker 5: reason why lines of credit aren't extended to people experiencing bankruptcy,
• 23:12
  Speaker 5: and that's usually because they're not very responsible with them.
• 23:15
  Speaker 5: But knowing a lot about your story going bankrupt, you
• 23:20
  Speaker 5: were like, I'm so glad my slate has been wiped clean.
• 23:23
  Speaker 5: I just want to move on from here.
• 23:24
  Speaker 2: But then not being able to move on and going cool,
• 23:27
  Speaker 2: now I'm expected to buy a phone out right instead
• 23:29
  Speaker 2: of paying like thirty bucks a month or something for
• 23:32
  Speaker 2: a cheap one, Like that's such a financial burden, Like
• 23:37
  Speaker 2: that just must be a challenge coming back from it,
• 23:39
  Speaker 2: and even being able to connect utilities, like be for real,
• 23:43
  Speaker 2: you need utilities. I'm assuming you then had to rely
• 23:46
  Speaker 2: on other people to help you out.
• 23:48
  Speaker 5: I turned away a few times and I had to
• 23:51
  Speaker 5: get my house made to do it. But what if
• 23:52
  Speaker 5: I was living by myself, I would just not have electricity?
• 23:54
  Speaker 5: How do you like, how do you live? But for
• 23:56
  Speaker 5: our listener, I just know that I'm not too sure
• 24:00
  Speaker 5: or how far away it was. Our listener kind of
• 24:02
  Speaker 5: check their credit score and realize it was quite low.
• 24:04
  Speaker 5: But I remember you saying this to me as well, Vive,
• 24:07
  Speaker 5: like a year ago, you were like, basically just kind
• 24:09
  Speaker 5: of wait it out as well.
• 24:11
  Speaker 2: It's like it's happening.
• 24:12
  Speaker 5: Now it's actually happening, and it does actually happen, and
• 24:15
  Speaker 5: Es just does nothing at her, nothing bad. That's why
• 24:19
  Speaker 5: it goes up.
• 24:21
  Speaker 2: I mean, if you're wondering about your credit score, you
• 24:24
  Speaker 2: can go through a number of different platforms to get
• 24:27
  Speaker 2: a credit score check for free. Experience Equifax and ily
• 24:31
  Speaker 2: On three of the biggest ones here in Australia. And
• 24:34
  Speaker 2: I would recommend doing that once every twelve months, to
• 24:37
  Speaker 2: do just like your financial health check and make sure
• 24:40
  Speaker 2: that it is what it's meant to be. Because I
• 24:44
  Speaker 2: hate to say this, I feel like we're talking more
• 24:46
  Speaker 2: and more about like scams and people having their data
• 24:50
  Speaker 2: stolen and people having their credit card information stolen.
• 24:53
  Speaker 4: What oh just reminded me of a story I have
• 24:55
  Speaker 4: to tell you. Sorry, we don't have to go through
• 25:01
  Speaker 4: this on air time.
• 25:02
  Speaker 2: No, no, no, this is now on air.
• 25:04
  Speaker 6: Sorry.
• 25:04
  Speaker 2: Your deep hop got hacked. In what someone was starting
• 25:06
  Speaker 2: to upload clothes and sell them as you.
• 25:09
  Speaker 4: So it's so bizarre. So I woke up one morning
• 25:12
  Speaker 4: and I had a heap of like notifications on my
• 25:14
  Speaker 4: friend from deepop, and I was like, oh, slay me.
• 25:17
  Speaker 4: Maybe I'm selling heaps of stuff. This is great. Anyway,
• 25:19
  Speaker 4: I had like fifty messages and I opened them up
• 25:23
  Speaker 4: and the top one was from deepop saying we've frozen
• 25:25
  Speaker 4: your account because of like activities that yeah, so that
• 25:28
  Speaker 4: I'm trying to log in trying to figure it out. Thanks, guys,
• 25:30
  Speaker 4: had to do a hard reset on like the password,
• 25:33
  Speaker 4: like all this stuff. Anyway, I get in, someone has
• 25:35
  Speaker 4: hacked my thing and has messaged like seventy five people
• 25:39
  Speaker 4: inquiring about their items, saying, hey, I can't see the
• 25:43
  Speaker 4: photos of this item, can you text them to this
• 25:46
  Speaker 4: WhatsApp number. So then these people were texting the WhatsApp
• 25:49
  Speaker 4: number and the person was attempting to scam them via
• 25:52
  Speaker 4: And this person must have lived overseas because this all
• 25:54
  Speaker 4: happened while I was asleep overnight. So then I was
• 25:58
  Speaker 4: such pain because I obviously changed my account, checked my PayPal.
• 26:02
  Speaker 4: Thankfully everything was FINECI.
• 26:04
  Speaker 2: This scam mute.
• 26:05
  Speaker 4: Literally I was like, my good name, I have like
• 26:07
  Speaker 4: a five star writing I've sold like two hundred items,
• 26:11
  Speaker 4: not today's selsation.
• 26:12
  Speaker 2: It's based on her credit score, ban completely.
• 26:14
  Speaker 4: And so I literally then had to copy paste a
• 26:16
  Speaker 4: message to seventy five people because I.
• 26:18
  Speaker 2: Think that's so kind.
• 26:19
  Speaker 4: Well, because I was worried, like some people had replied
• 26:21
  Speaker 4: and said yeah, no worries like I've sent you with her,
• 26:23
  Speaker 4: I was like, shit, like what if this person like
• 26:25
  Speaker 4: gets them? So then I messaged every single person saying
• 26:28
  Speaker 4: I'm so sorry, this was not me, my account was hacked.
• 26:30
  Speaker 4: Please don't reply to the messages.
• 26:31
  Speaker 5: But that's a good learning because lots of our community
• 26:34
  Speaker 5: use deepop. If anyone asks you to send photos to WhatsApp,
• 26:38
  Speaker 5: don't don't do it.
• 26:39
  Speaker 4: And it just like it was one of those things
• 26:41
  Speaker 4: like I have two factor authentication on like my bank
• 26:44
  Speaker 4: and my PayPal, but like everything, I'd never even thought
• 26:49
  Speaker 4: about it, and so yeah, just a reminder put two
• 26:50
  Speaker 4: factors down.
• 26:52
  Speaker 2: But that's exactly why we need to be checking our
• 26:54
  Speaker 2: credit score every year totally because even MISSTERCI can get hacked. Yeah,
• 26:59
  Speaker 2: and fortunately, the first time some people find out that
• 27:04
  Speaker 2: their details have been leaked is because they see something
• 27:06
  Speaker 2: suspicious on their credit score and go, hold on, I
• 27:09
  Speaker 2: don't have a line of credit with bank ABC.
• 27:12
  Speaker 5: I didn't you get an after pay. I didn't do
• 27:15
  Speaker 5: these things. And then you can.
• 27:17
  Speaker 2: Inquire and nip it in the bud instead of getting
• 27:20
  Speaker 2: years down the track and it being messy and hard
• 27:22
  Speaker 2: and whoever stole the money has gone a well, Like,
• 27:25
  Speaker 2: it's really important to be on top of it, and
• 27:27
  Speaker 2: I feel like that should be a part of your
• 27:28
  Speaker 2: annual financial health check. And then, as Jess was saying,
• 27:31
  Speaker 2: just pay your bills and your rent on time, make
• 27:34
  Speaker 2: sure that if you've got loans and credit cards they're
• 27:36
  Speaker 2: being paid off. And then even limit how many applications
• 27:40
  Speaker 2: you're making, so every single time and application is added
• 27:44
  Speaker 2: to your file, it temporarily lowers your credit score. And
• 27:48
  Speaker 2: I think that lots of people go, oh, but I
• 27:50
  Speaker 2: was just thinking about getting a loan. I didn't get
• 27:52
  Speaker 2: the loan. Yeah, why has my credit score gone down?
• 27:55
  Speaker 2: It's like, well, I know you thought you were doing
• 27:57
  Speaker 2: your research, but you submitted in quiries with five different banks,
• 28:02
  Speaker 2: and that's now negatively impacted you. And this is another
• 28:05
  Speaker 2: reason why I think it's so important that if you're
• 28:07
  Speaker 2: in that home buying process, you're working with one mortgage
• 28:11
  Speaker 2: broker to make sure you're not you shopping around with
• 28:13
  Speaker 2: different banks, because they'll all run a credit check on
• 28:16
  Speaker 2: your behalf and then it ultimately impacts your credit score,
• 28:20
  Speaker 2: and then when you finally find the bank that you
• 28:21
  Speaker 2: want to go with, you've got a lower credit score
• 28:24
  Speaker 2: and therefore you're not as an attractive person. Did it.
• 28:28
  Speaker 4: Actually, there's two inquiries on my credit score from two
• 28:32
  Speaker 4: of the previous brokers I spoke to you before coming Azala,
• 28:35
  Speaker 4: and then Zala hasn't had to do any inquiries for
• 28:37
  Speaker 4: me because they just run all.
• 28:37
  Speaker 2: The doing it all in the background.
• 28:39
  Speaker 4: Yes, correct.
• 28:41
  Speaker 2: Do you know how much that frustrates me? Yeah, because
• 28:43
  Speaker 2: I'm not saying it's lazy, because you're broker at the
• 28:46
  Speaker 2: end of the day, to get the loan done needs
• 28:49
  Speaker 2: to do it all officially and go through those channels
• 28:51
  Speaker 2: and do a credit check. But everything unless you're ready
• 28:56
  Speaker 2: to buy, everything can be done in the background and
• 28:58
  Speaker 2: be done properly to make sure that we're not impacting
• 29:01
  Speaker 2: you negatively. Like anyway, that's a conversation for another day.
• 29:05
  Speaker 2: And then another way to build up your credit score
• 29:08
  Speaker 2: is to just have cash coming in consistently. So cash
• 29:11
  Speaker 2: coming into your bank account. It's obviously going to give
• 29:13
  Speaker 2: you a savings buffer to make sure that you can
• 29:15
  Speaker 2: pay your bills on time and you're not going into debt,
• 29:18
  Speaker 2: but it's also a really good way over time to
• 29:21
  Speaker 2: show that you're a good credit risk when applying for
• 29:24
  Speaker 2: a credit card or a bank loan, or in the
• 29:25
  Speaker 2: future for a home loan. And obviously everyone's different, but
• 29:29
  Speaker 2: in Australia it is not about lines of credit and
• 29:33
  Speaker 2: maintaining them. It's about just doing the basics.
• 29:36
  Speaker 4: Well and lower your credit card minimum if you can. Yeah,
• 29:40
  Speaker 4: that happened to me. When I applied for my card.
• 29:43
  Speaker 4: They're like, he's ten thousand dollars and I was like much, Yeah,
• 29:46
  Speaker 4: and I dropped it to the minimum, which is like
• 29:48
  Speaker 4: maybe two or three thousand, and even that like reducing
• 29:51
  Speaker 4: the amount of credit that I could have access.
• 29:54
  Speaker 2: Yeah, yeah, credit score.
• 29:56
  Speaker 5: I just have one question, Oh, you can have as
• 29:58
  Speaker 5: many as you want as someone who couldn't. Actually this
• 30:00
  Speaker 5: sounds weird, but I couldn't have bills in my name. Yeah,
• 30:04
  Speaker 5: so I didn't have bills. I did have bills obviously,
• 30:06
  Speaker 5: but they weren't in my name. So does that just
• 30:09
  Speaker 5: require like I didn't have a phone line, I didn't
• 30:11
  Speaker 5: have electricity, any utilities, and nothing was in my name.
• 30:14
  Speaker 5: I could actually.
• 30:15
  Speaker 2: Don't go into further debt. Don't go into further debt. Yeah,
• 30:17
  Speaker 2: and it's about remember how like twelve months ago, I
• 30:20
  Speaker 2: was like, yeah, Beck, sit and wait, give it time.
• 30:23
  Speaker 2: Your credit score is I promise going to improve as
• 30:26
  Speaker 2: long as there aren't lots of inquiries, as long as
• 30:29
  Speaker 2: you aren't going into further debt, you aren't taking out
• 30:31
  Speaker 2: lines of credit, Beck, what happened?
• 30:33
  Speaker 5: They did shoot up?
• 30:34
  Speaker 2: Yeah, they go, but it takes time.
• 30:37
  Speaker 5: So it's about, you know, consistently saving and putting yourself
• 30:40
  Speaker 5: in a place where you aren't going.
• 30:42
  Speaker 2: To not be able to pay your bill. Like you're
• 30:44
  Speaker 2: just making sure that your financial house is super secure.
• 30:47
  Speaker 2: And when you're in that stitch, you're better off and
• 30:49
  Speaker 2: your credit score is going to increase. But that's not
• 30:51
  Speaker 2: the same as America. So if you're one of our
• 30:53
  Speaker 2: American listeners, I'm really sorry, but if you're one of
• 30:55
  Speaker 2: our Australian listeners, stop looking at American content.
• 30:59
  Speaker 4: All right, should get into the juice.
• 31:01
  Speaker 2: I'm ready, I'm ready. I'm so excited because I feel
• 31:04
  Speaker 2: like Jess has some trauma from shared gifts. Are you ready?
• 31:09
  Speaker 4: Ready?
• 31:09
  Speaker 5: Ready?
• 31:09
  Speaker 2: Okay?
• 31:10
  Speaker 5: So this week we got a DM sounded exactly like this,
• 31:13
  Speaker 5: because I'm just going to read it out for you.
• 31:15
  Speaker 2: Hi, V and team. I need some advice. A little
• 31:18
  Speaker 2: while back and email went around at work asking for
• 31:20
  Speaker 2: fifty bucks for a present for the CEO. He's always
• 31:24
  Speaker 2: doing thoughtful things for the employees, and it was a
• 31:26
  Speaker 2: gift I knew, kid love, so I chipped in without
• 31:29
  Speaker 2: thinking twice. Now another email has come around asking for
• 31:33
  Speaker 2: fifty dollars for a different staff member. Honestly, that seems
• 31:36
  Speaker 2: like a crazy amount to ask for co workers for
• 31:39
  Speaker 2: staff birthdays. I mean, this is about a quarter of
• 31:42
  Speaker 2: my family's grocery budget for the week. Is this amount
• 31:45
  Speaker 2: unreasonable or is it just what's expected these days? And
• 31:49
  Speaker 2: how do I bring it up without looking cheap? I
• 31:53
  Speaker 2: hate it so much.
• 31:55
  Speaker 5: At fifty dollars be for real, so much that a
• 31:58
  Speaker 5: lot lot of body.
• 32:00
  Speaker 2: Like for me. Sorry, straight out the gate usually let
• 32:03
  Speaker 2: you guys have your opinions first. No, No, fifty bucks,
• 32:07
  Speaker 2: Like that's in our friendship group when we're doing group presents,
• 32:11
  Speaker 2: that's the amount that we all chip in for, like, oh,
• 32:14
  Speaker 2: it's your thirtieth.
• 32:15
  Speaker 5: Thirtieth a big one.
• 32:17
  Speaker 4: Yeah, like a good friend, A good friend, not a co.
• 32:21
  Speaker 2: Word do I allocate for like my mum at Christmas?
• 32:26
  Speaker 4: And not a CEO?
• 32:27
  Speaker 5: Maybe because they're probably making a lot of money, but also.
• 32:31
  Speaker 4: For the CEO.
• 32:32
  Speaker 2: But I can see why this person first cab off
• 32:35
  Speaker 2: the rank was like, oh, it's for the CEO. That's
• 32:38
  Speaker 2: somebody high up that I feel gives me a lot
• 32:42
  Speaker 2: of value and probably doesn't get this back in exchange
• 32:45
  Speaker 2: very often. And I really like this idea, Like I'm
• 32:49
  Speaker 2: assuming that was maybe like a once off, like Hey, Jess,
• 32:52
  Speaker 2: I'd love to organize something for Beck because she does
• 32:54
  Speaker 2: so much for us, not a Hey Jess, Beck's birthday
• 32:57
  Speaker 2: is coming out. Are you gonna chip in fifty bucks?
• 32:59
  Speaker 4: Yeah?
• 33:00
  Speaker 5: Yeah, what Yeah, that's a lot.
• 33:02
  Speaker 4: It just makes me wonder how many people are in
• 33:04
  Speaker 4: this company because this was my past experience. I worked
• 33:07
  Speaker 4: at a big corporate before coming here. Also, i'd corporate Yeah,
• 33:11
  Speaker 4: it was a very large team, and so it was
• 33:16
  Speaker 4: very common practice for everyone to put in money for everyone.
• 33:19
  Speaker 4: And respectfully this company, I didn't really like anybody, like
• 33:24
  Speaker 4: they were my coworkers. I was polite to them, they
• 33:26
  Speaker 4: were polite to me. I wouldn't be caught dead hanging
• 33:29
  Speaker 4: out with them outside of work, and that is like
• 33:31
  Speaker 4: that normalized that. But like you don't have to be
• 33:35
  Speaker 4: besties with everybody that you work with, and that's so fine,
• 33:37
  Speaker 4: weird but okay, very different in small business, very different.
• 33:41
  Speaker 5: But even in small business, you don't have to be
• 33:44
  Speaker 5: besties totally.
• 33:45
  Speaker 4: And so I think it was the expectation at what
• 33:48
  Speaker 4: it was. You know, this month x y ZX birthday,
• 33:50
  Speaker 4: every like basically like money tin going around. Everyone chucked
• 33:52
  Speaker 4: money in and I was like, why am I spending
• 33:54
  Speaker 4: money on these people that I don't like? Like it
• 33:57
  Speaker 4: just is very uncomfortable. I also at the time was earning,
• 34:01
  Speaker 4: like from my perspective, a very low amount, and I
• 34:04
  Speaker 4: was one of the roles that would have been the
• 34:05
  Speaker 4: lowest paid.
• 34:06
  Speaker 2: With it was that also when you were in debt.
• 34:09
  Speaker 4: I was in debt.
• 34:09
  Speaker 2: Yeah, absolutely, I'm sorry you don't have that cash to splash, No.
• 34:14
  Speaker 4: And it was it just felt I was like, why
• 34:17
  Speaker 4: am I paying for your gift when I don't like you,
• 34:21
  Speaker 4: I don't know you, I don't really talk to you.
• 34:23
  Speaker 2: I didn't even get an invite to your birthday party. Literally,
• 34:26
  Speaker 2: It's a bit different if they'd invited you to their
• 34:29
  Speaker 2: birthday on a Saturday night and you turned up and
• 34:31
  Speaker 2: you were like, oh, I got them a gift even
• 34:33
  Speaker 2: then to fifty dollars. I'm not spending fifty dollars on
• 34:35
  Speaker 2: a coworker's birthday present at their party.
• 34:38
  Speaker 4: Now, like very different in like this environment, Like gift
• 34:42
  Speaker 4: giving is one of my love languages.
• 34:43
  Speaker 2: I love it also mine, yes, and I.
• 34:45
  Speaker 4: Do love to give gifts, and I think you can
• 34:47
  Speaker 4: give thoughtful gifts that don't cost a lot of money,
• 34:50
  Speaker 4: and I like, I like doing that. But I think
• 34:52
  Speaker 4: in that situation, it was just the fact that it
• 34:54
  Speaker 4: was expected of everybody and the fact that it was
• 34:57
  Speaker 4: organized like this person like through it sounds like someone
• 35:01
  Speaker 4: hire out.
• 35:01
  Speaker 5: They're probably also going to get a last minute card
• 35:05
  Speaker 5: it costs like fourteen ninety five totally at the news
• 35:08
  Speaker 5: agency and then make all of you just sign it.
• 35:10
  Speaker 4: Yeah, pil I was just like, why isn't this company
• 35:14
  Speaker 4: that I'm making millions of dollars for buying this person
• 35:18
  Speaker 4: the gift and saying happy birthday from all of us.
• 35:20
  Speaker 2: But even if that happens, like you're saying, it's a
• 35:23
  Speaker 2: big company, right, yeah, we don't have a big company.
• 35:26
  Speaker 2: Our sheet's on the money. But let's pretend it's one
• 35:28
  Speaker 2: a month. That's only twelve people in the business.
• 35:30
  Speaker 5: That's six hundred dollars a year that you're expected to
• 35:33
  Speaker 5: pray to your budget for birthday presents for your co workers.
• 35:38
  Speaker 2: No, and some people don't even have that amount. Like
• 35:42
  Speaker 2: we know if we look at the maths in an emergency,
• 35:44
  Speaker 2: we know that most Australians don't have access to five
• 35:47
  Speaker 2: hundred dollars. Yet you're asking me to spend more than
• 35:51
  Speaker 2: that on coworkers' presence, not friends, not family members, not
• 35:57
  Speaker 2: your dog, somebody that you wouldn't even invite over to
• 36:01
  Speaker 2: meet your dog. Yeah, yeah, no.
• 36:03
  Speaker 4: And it's just like, if I think about it in
• 36:05
  Speaker 4: the context of our team, even as we all do
• 36:08
  Speaker 4: like to get each other gifts or whatever, not one
• 36:11
  Speaker 4: person would be offended if someone didn't give you a gift.
• 36:14
  Speaker 2: I don't think anyone in our team would ask to
• 36:16
  Speaker 2: do group gifts either. I do often do quote a
• 36:20
  Speaker 2: group gift where I purchase something from the team for
• 36:25
  Speaker 2: that person for their birthday or whatnot, but that comes
• 36:28
  Speaker 2: from the team, from my work budget, and everybody's name
• 36:33
  Speaker 2: goes on it, and maybe there was a conversation about it.
• 36:35
  Speaker 4: I E.
• 36:36
  Speaker 2: Beck, it's birthday month for you, so we bought you
• 36:39
  Speaker 2: flowers from everyone, but that was paid for by She's
• 36:42
  Speaker 2: on the money, because I don't want the rest of
• 36:44
  Speaker 2: the team paying for that. But like I'd been like, Hey,
• 36:47
  Speaker 2: what do you think Beck would want? And we have
• 36:49
  Speaker 2: this nice conversation about it, and as a team we
• 36:52
  Speaker 2: organize it, but as a team we don't pay for
• 36:54
  Speaker 2: it because I just like I.
• 36:56
  Speaker 4: Do's a coworker that's new or that you don't talk to.
• 36:59
  Speaker 2: Or so you don't I don't know. I've spoken about
• 37:01
  Speaker 2: this before, but when I was up to my eyeballs
• 37:04
  Speaker 2: in debt, I lied about it because I was embarrassed
• 37:07
  Speaker 2: of the situation I was in and I didn't want
• 37:10
  Speaker 2: my coworkers, who I thought were fancy pants is knowing
• 37:15
  Speaker 2: that I was in debt, because I felt like that
• 37:17
  Speaker 2: was a reflection And it is absolutely not, but I
• 37:20
  Speaker 2: thought that was a reflection of my self worth. I
• 37:22
  Speaker 2: did not want to put that on the table and
• 37:23
  Speaker 2: be like, hey, so actually I have eight hundred and
• 37:26
  Speaker 2: eighty three dollars a month that I pay to my
• 37:28
  Speaker 2: personal debt, and like, to be honest, fifty bucks is
• 37:30
  Speaker 2: a bit march. I think I would have just scraped
• 37:32
  Speaker 2: to find the money and been like, yeah, here, haha,
• 37:35
  Speaker 2: happy birthday, and then stressed about it next time I
• 37:38
  Speaker 2: saw that person coming down the hallway because oh my god,
• 37:40
  Speaker 2: God forbid she asks me for another present, Like, and
• 37:43
  Speaker 2: I'm not saying that lying is correct, but we're just
• 37:46
  Speaker 2: being honest. I didn't want to share that about me
• 37:48
  Speaker 2: at that point in time. Now it's very much a
• 37:50
  Speaker 2: part of who I am, but it is a very
• 37:52
  Speaker 2: good example of why you never know what someone's going through,
• 37:55
  Speaker 2: and I feel like that's, especially in this economy, an
• 37:58
  Speaker 2: unrealistic expectation.
• 38:00
  Speaker 5: I wonder if any other staff members said anything about
• 38:03
  Speaker 5: it that was like going to go along with any
• 38:04
  Speaker 5: Oh my god, I would really like to know sometimes
• 38:06
  Speaker 5: I want to like reply to these damsers, girl, what
• 38:09
  Speaker 5: company do you work for?
• 38:10
  Speaker 2: What's going on? So we asked, obviously for your two cents.
• 38:14
  Speaker 2: First question we asked was what is a reasonable amount
• 38:17
  Speaker 2: to be asked to chip in for coworker presents? Ninety
• 38:21
  Speaker 2: six percent of you said up to twenty bucks, three
• 38:25
  Speaker 2: percent of you said thirty to forty dollars, and zero
• 38:29
  Speaker 2: percent of you said fifty dollars or more completely agree
• 38:32
  Speaker 2: that is so validating, like we ain't wrong here. I
• 38:36
  Speaker 2: like this. Usually there's in the group like often I'll
• 38:40
  Speaker 2: hangback because I go, oh, Jess, might I have a
• 38:42
  Speaker 2: different opinion to Beck? And then I'm interested to know
• 38:44
  Speaker 2: what my opinion is. In contrast, no, we're all like
• 38:48
  Speaker 2: hell no, no, why all right? Next question we asked
• 38:52
  Speaker 2: was would you speak up if you thought the amount
• 38:55
  Speaker 2: was unreasonable? Fifty nine percent of you said yeah, that's
• 38:59
  Speaker 2: really important, nine percent of you said no, I just
• 39:02
  Speaker 2: go along with it, and then thirty two percent said
• 39:05
  Speaker 2: only if others agreed. And I think that this goes
• 39:07
  Speaker 2: back to what I was talking about before, Like you
• 39:10
  Speaker 2: guys said yeah, I would speak up about it, but
• 39:13
  Speaker 2: that's only sixty percent of you. Thirty two percent are
• 39:16
  Speaker 2: only going to do it if someone else agrees with you.
• 39:18
  Speaker 2: And then basically ten percent of you were like, no,
• 39:21
  Speaker 2: like I just smile and nod and agree to it. Yes,
• 39:25
  Speaker 2: And if there's somebody every month, going back to our
• 39:27
  Speaker 2: example of if you're spending fifty bucks a month, that's
• 39:29
  Speaker 2: six hundred dollars a year, but once a year or
• 39:33
  Speaker 2: one person in that group is asked every single month
• 39:36
  Speaker 2: for fifty bucks and they don't want to, but they're
• 39:38
  Speaker 2: just going along with it.
• 39:39
  Speaker 5: GI's me the it, and there's probably so many other
• 39:42
  Speaker 5: people thinking the exactly thing, but no one's saying it.
• 39:44
  Speaker 6: First.
• 39:45
  Speaker 4: Someone's got to be brave and be like this is
• 39:47
  Speaker 4: too much, and then everyone else will rally.
• 39:51
  Speaker 2: And I think it's interesting as well, because if you
• 39:53
  Speaker 2: have a good team culture. And I'm not saying that
• 39:56
  Speaker 2: companies with good team culture will be best is but
• 40:00
  Speaker 2: I see it in my team, like we organize our
• 40:03
  Speaker 2: team gift. But I know Jess goes and sends the
• 40:06
  Speaker 2: rest of the team members like flowers and stuff because
• 40:08
  Speaker 2: I see posted on Instagram. Brook will be like happy
• 40:10
  Speaker 2: birthday to me, Jess sent me these gorgeous flowers. That's
• 40:13
  Speaker 2: got nothing to do with work Like that is not
• 40:18
  Speaker 2: Jess asking other people to pitch in. I know she's
• 40:20
  Speaker 2: probably spending fifty bus because my girl like, flowers are expensive,
• 40:24
  Speaker 2: but that was a choice that she got to make,
• 40:26
  Speaker 2: not one that she felt forced to make. And I
• 40:28
  Speaker 2: think that's an important Like we're not saying don't buy
• 40:30
  Speaker 2: a coworker's flowers, don't buy a coworker's presence, if that's
• 40:33
  Speaker 2: what aligns with your values. We're saying, don't bully other
• 40:37
  Speaker 2: people into joining you.
• 40:38
  Speaker 6: Yeah.
• 40:39
  Speaker 2: Completely, So we did say, all right, give us your
• 40:42
  Speaker 2: two cents. What do you think about this? One person said,
• 40:45
  Speaker 2: I like this. We actually have a clause in our
• 40:48
  Speaker 2: union social club that if someone's a member, they actually
• 40:51
  Speaker 2: get a fixed price present.
• 40:54
  Speaker 5: So if you won't from like the team, I'm assuming
• 40:57
  Speaker 5: in social club they get a present.
• 41:00
  Speaker 2: Some of the budget of social club goes towards that.
• 41:02
  Speaker 4: Oh I like that. I don't like that.
• 41:05
  Speaker 2: I don't I don't want to sign up to get
• 41:07
  Speaker 2: a present. Oh so it's only in the social club, Okay,
• 41:13
  Speaker 2: you if you remember. I don't know how I feel
• 41:15
  Speaker 2: about that.
• 41:16
  Speaker 4: I thought it was like, oh, we have like social
• 41:19
  Speaker 4: club gets a thousand dollars a year to spend on
• 41:22
  Speaker 4: social things, and some of that budget.
• 41:24
  Speaker 5: Yeah, I want my budget to go to the social
• 41:26
  Speaker 5: club things, not to a present.
• 41:28
  Speaker 4: Oh, get to a shit gift? You know what I mean?
• 41:33
  Speaker 4: If I didn't know a coworker, well, like in big corporate.
• 41:35
  Speaker 4: If I think about going back to that where I
• 41:37
  Speaker 4: was putting money for people, obviously someone's making the decision
• 41:40
  Speaker 4: of watch to buy them. If you ask me what
• 41:41
  Speaker 4: any single one of those people would have liked, couldn'taya like?
• 41:45
  Speaker 2: Do you know what is a good present?
• 41:46
  Speaker 5: Like if there are any social clubs listening and they're like, wow,
• 41:49
  Speaker 5: we need a budget friendly gift, go buy shees on
• 41:52
  Speaker 5: the money from kmart fifteen bucks?
• 41:55
  Speaker 2: What a present?
• 41:56
  Speaker 4: True?
• 41:57
  Speaker 2: Good present?
• 41:57
  Speaker 4: All right?
• 41:58
  Speaker 2: So back to this I'm giving. You can read it,
• 42:01
  Speaker 2: give it to your friend, you could put it on
• 42:03
  Speaker 2: your bedstand. Very aesthetic fish exactly all right. So someone
• 42:08
  Speaker 2: else said, I really agree. Often they're asking for more
• 42:12
  Speaker 2: than what we budget for family and friends gifts.
• 42:15
  Speaker 4: That's crazy.
• 42:17
  Speaker 5: Someone else said, whatever happened to the corporate cake and candles?
• 42:20
  Speaker 4: Totally?
• 42:22
  Speaker 5: I love a cake and candle?
• 42:23
  Speaker 2: No, but like, isn't work meant to organize that? And
• 42:26
  Speaker 2: we like go into the work staff room and we
• 42:30
  Speaker 2: waste some time having some cake, singing a song. We
• 42:33
  Speaker 2: go back to our death wham bam, thank you, ma'am.
• 42:36
  Speaker 2: That is what a birthday at work should look like.
• 42:39
  Speaker 6: True.
• 42:39
  Speaker 5: I'm like, no, I'm listening to these and I'm like,
• 42:41
  Speaker 5: it is anyone in control in any of these places.
• 42:43
  Speaker 5: Like if I was a boss of a place, no
• 42:46
  Speaker 5: one would ever have to think about gifts. Because this
• 42:48
  Speaker 5: is my favorite part about being the boss. Yeah, I
• 42:51
  Speaker 5: get to make the Yeah, I mean within with reason,
• 42:55
  Speaker 5: within reason, and like regulation, you know, legislation, but I
• 43:00
  Speaker 5: think you do get to sometimes make the rules. You
• 43:02
  Speaker 5: do have to pay payroll though, so like i'd prefer
• 43:05
  Speaker 5: to buy you a fifty dollars gift, sometimes someone else said,
• 43:09
  Speaker 5: just speak up and state your donation to the gift.
• 43:12
  Speaker 5: You don't need to justify reasons as to the amount
• 43:14
  Speaker 5: at all. It's true, yes, very true.
• 43:17
  Speaker 2: But I also feel like social pressure plays into this.
• 43:20
  Speaker 4: Easy said than done.
• 43:21
  Speaker 2: Yeah, so that's a really good idea. That's a very
• 43:24
  Speaker 2: smart thing. Jess. What if you felt comfortable in your
• 43:27
  Speaker 2: corporate stitch to do that, baby.
• 43:28
  Speaker 4: Jess, definitely not just now.
• 43:30
  Speaker 5: I'd be a social prole.
• 43:31
  Speaker 4: I'd be telling them where to take that gift. But
• 43:33
  Speaker 4: like back then, no way.
• 43:36
  Speaker 2: Do you think if that's the case, right, So just
• 43:39
  Speaker 2: zooming a bit out, wasting some more pod time. If
• 43:42
  Speaker 2: we know that there are twelve members in the team,
• 43:46
  Speaker 2: and everyone chips in fifty dollars a month, it's just
• 43:49
  Speaker 2: the thing that that company does, six hundred bucks. Can
• 43:53
  Speaker 2: I ask for an air rap? It's true? Can I
• 43:55
  Speaker 2: ask for something that I really want as my gift
• 43:59
  Speaker 2: so that I get what I want give? And I've
• 44:01
  Speaker 2: been spending fifty bucks a month on other people.
• 44:04
  Speaker 5: I did not even think about that. So that means that, Yeah,
• 44:06
  Speaker 5: if every month, twelve of you are putting in fifty
• 44:09
  Speaker 5: dollars for a gift, that means that you, as an employee, imagine,
• 44:13
  Speaker 5: since anyone's going to become your month, six hundred dollars
• 44:16
  Speaker 5: gift is absolutely excessive. I don't think that's necessary.
• 44:22
  Speaker 2: I don't think that's necessary.
• 44:23
  Speaker 5: But also this is how pyramid schemes were, right, true,
• 44:26
  Speaker 5: So give to Jen and Jen, or give to Jess
• 44:29
  Speaker 5: and Jess, We'll give to Beck.
• 44:30
  Speaker 2: Just goes around. Yes, we're starting a pyramid scheme, but
• 44:34
  Speaker 2: it's birthdays.
• 44:35
  Speaker 1: Yeah.
• 44:36
  Speaker 4: The thought that I had before, if everyone's putting in
• 44:38
  Speaker 4: the same amount for everyone every month, every year, why
• 44:41
  Speaker 4: not just have no one do it, and financially you're
• 44:43
  Speaker 4: in the no. But you're in the exact same spot.
• 44:45
  Speaker 4: Like I've spent six hundred dollars and eventually on my
• 44:47
  Speaker 4: birthday I will receive a six hundred dollars gift back
• 44:50
  Speaker 4: or none of us could spend any money. And if
• 44:53
  Speaker 4: I want something that costs six hundred dollars, I could
• 44:55
  Speaker 4: just buy it myself. Yes, and same with no.
• 44:59
  Speaker 2: I think it's worse off jest because you're saying, no
• 45:03
  Speaker 2: one said that I got to pick what my gift is. Yeah,
• 45:06
  Speaker 2: maybe I want said I'm getting something I want.
• 45:08
  Speaker 4: Here an ugly ass six hundred dollars leather laptop cover. Yeah,
• 45:13
  Speaker 4: I mean my.
• 45:14
  Speaker 2: Work, Yes, absolutely not, absolutely not. I like this one.
• 45:18
  Speaker 2: Someone wrote in and said in the UK, the birthday
• 45:21
  Speaker 2: person has to bring the treats, and I think that's
• 45:24
  Speaker 2: more fair. Yeah.
• 45:25
  Speaker 5: I like that I do that on my birthday. It's
• 45:28
  Speaker 5: probably a nice thing to do.
• 45:29
  Speaker 2: That's a good deal. I think if it's your birthday
• 45:32
  Speaker 2: and you want to celebrate it, that's on you. You
• 45:34
  Speaker 2: celebrate lolleybags in primary school. Yeah yeah, yeah, yeah yeah.
• 45:37
  Speaker 5: If someone else said, and I feel like this is relatable,
• 45:39
  Speaker 5: it's really hard when everyone else is and you're.
• 45:42
  Speaker 2: Left feeling like the tight one. Yeah. Someone else said,
• 45:46
  Speaker 2: my workplace has a gift fund as an opt in
• 45:48
  Speaker 2: for the team twenty dollars contribution for the entire financial year.
• 45:53
  Speaker 5: It's pressure, though, because if you're like I don't want
• 45:55
  Speaker 5: to opt in, then people people just not get you
• 45:58
  Speaker 5: a present. You know, it's pressure. I don't like this
• 46:00
  Speaker 5: pressure of the whole thing.
• 46:01
  Speaker 2: On the flip side, I feel like this is us coded.
• 46:03
  Speaker 2: Someone said I'd be mortified if I knew people paying
• 46:05
  Speaker 2: fifty bucks for something I may not even want.
• 46:08
  Speaker 4: Yeah. Completely.
• 46:10
  Speaker 5: Someone said I believe that gifts for staff for things
• 46:12
  Speaker 5: that the company itself should be covering.
• 46:15
  Speaker 2: Amen. And someone said salaries vary so much. In our
• 46:18
  Speaker 2: team only ever asked to chip in what we feel.
• 46:22
  Speaker 2: I still don't think you should be asked to chip in,
• 46:23
  Speaker 2: But that's.
• 46:25
  Speaker 4: I think if you're slaving away for a company earning
• 46:27
  Speaker 4: the money, the least they can do is if they
• 46:28
  Speaker 4: want to buy a birthday gift, they pay for it.
• 46:30
  Speaker 2: But also, baby Jess, you just said I was earning
• 46:32
  Speaker 2: what I would say is a low amount, and I
• 46:34
  Speaker 2: mean as an entry level role, probably you were expected
• 46:38
  Speaker 2: to chip in the same amount as your boss, and
• 46:41
  Speaker 2: we did.
• 46:42
  Speaker 4: True, it was like a lot of money to me.
• 46:46
  Speaker 2: We dig into this, the more frustrated I'm getty. Yeah,
• 46:48
  Speaker 2: I don't like it. I think we should end the conversation.
• 46:51
  Speaker 2: And I think we're done. We've done any Let's go meditate.
• 46:54
  Speaker 2: Let's go still some more donuts from reception because our
• 46:57
  Speaker 2: workplace gives us free snacks.
• 47:00
  Speaker 4: Look at that, and we didn't even have to put
• 47:01
  Speaker 4: in for it.
• 47:02
  Speaker 2: I won't be thanks though. Anyway. All right, have a
• 47:05
  Speaker 2: good week guys. I'll see you right nearly tomorrow. I've
• 47:08
  Speaker 2: got another Saturday special coming for you, and then another
• 47:11
  Speaker 2: bright and early one on Monday for a money Darius.
• 47:14
  Speaker 2: So guys, have the best weekend and don't put in
• 47:17
  Speaker 2: for group gifts.
• 47:18
  Speaker 5: Bye bye, Hi guys.
• 47:26
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• 47:29
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