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Expensive Sh*t Not Worth the $$$ · Two Broke Chicks

0:00
Speaker 1: This podcast is recorded on gadigal Land always was, always
0:03
Speaker 1: will be Aboriginal Land.
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Speaker 2: Hey cheeks, I'm sal and I'm out And this is
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Speaker 2: two Broat Chicks, the show that shares life lessons and
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Speaker 2: tips to make you rich in life. And today we
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Speaker 2: are talking expensive things that aren't worth the money, expensive
0:25
Speaker 2: shit that's not worth the money.
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Speaker 3: Expensive yah.
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Speaker 2: Yeah, including a bunch of our personal picks and also
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Speaker 2: a bunch of picks submitted by you chicks, which is
0:39
Speaker 2: very interesting. There were definitely lots of trends, but a
0:42
Speaker 2: couple of outliers too, which.
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Speaker 3: We always love.
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Speaker 2: But before we get into it, we love to start
0:49
Speaker 2: with a trending topic or product wreck of the week.
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Speaker 2: Mine is in regards to our Europe prep, so we
0:55
Speaker 2: feel listened to our episode the other week. Alex and
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Speaker 2: I are going to Europe for the very first time, which,
1:01
Speaker 2: of course, men's doing so much research on all of
1:04
Speaker 2: the specific things that you need, so we're.
1:06
Speaker 3: Going to do content on it too. Yeah. Oh my god,
1:09
Speaker 3: you get ready because there's going to be a lot.
1:13
Speaker 2: But my product wreck of the week is a phone
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Speaker 2: case with a cross body phone.
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Speaker 3: Strap, whichever one you like.
1:22
Speaker 2: There's lots of different options out there, but because in
1:25
Speaker 2: really touristy areas, you know, such as Paris or Rome,
1:29
Speaker 2: et cetera.
1:29
Speaker 3: We have snatching. Yeah, we've heard that London as well.
1:33
Speaker 3: I've heard a lot everyway Italy agrees Paris.
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Speaker 2: And then the phone snatching in particular is very common
1:41
Speaker 2: for tourists, especially because you're always walking around with your phone.
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Speaker 3: I've seen heaps and videos of it too my TikTok recently,
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Speaker 3: with like people putting a piece of paper down and
1:50
Speaker 3: then picking the phone up with it, and straight up
1:54
Speaker 3: I would fall for every single one of them.
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Speaker 2: Me too, And I know myself enough to know that
1:59
Speaker 2: that is true. Or like, I've seen the videos of
2:01
Speaker 2: people in London and this isn't to scare anyone. It's
2:04
Speaker 2: the worst case scenario. So it's always good to be prepared,
2:07
Speaker 2: but that you know, you'll be looking at your phone
2:09
Speaker 2: waiting for a bus or something and somebody will ride past.
2:11
Speaker 3: On a bike and just snatch it out of your hand.
2:13
Speaker 2: So I did buy a crossbody phone straff and case.
2:18
Speaker 2: You can get whatever ones you like. You know, how
2:20
Speaker 2: much you spend on it exists on a spectrum depending
2:23
Speaker 2: on what you got.
2:24
Speaker 3: The only thing I would say on top of that though,
2:27
Speaker 3: is especially with like your cross body bags and stuff,
2:30
Speaker 3: you want to make sure that they're like slash proof
2:33
Speaker 3: and stuff. So like there's heaps of travel safe brands
2:36
Speaker 3: that you can look at for your cross body bags
2:38
Speaker 3: that have like a slash proof material so people can't
2:41
Speaker 3: like cut the bag yeah and run with it. And
2:44
Speaker 3: they also have I think it's like RDIF blocking, so
2:47
Speaker 3: people can't like skim your cards through it. And they
2:51
Speaker 3: also have like this little like lock zipper that you
2:54
Speaker 3: like lock the zip to the other end of the thing.
2:56
Speaker 3: And it means that people can't like open your bag
2:58
Speaker 3: when you're not paying attention. Yeah, these be crazy. Yeah,
3:04
Speaker 3: what's yours? Okay, So my product wreck or what's trending
3:09
Speaker 3: is actually a report ooh, sexy money report. So a
3:14
Speaker 3: new report on the cost of living has come out
3:18
Speaker 3: because we saw I saw a comment on our TikTok
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Speaker 3: the other day and it was about how it was
3:24
Speaker 3: a snippet where we were talking about how nearly half
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Speaker 3: of Australians have less than a thousand dollars in their
3:28
Speaker 3: savings and there was a comment on there saying like
3:31
Speaker 3: how do people not have any money in savings, like
3:34
Speaker 3: maybe just stop going out and drinking and you'll be
3:37
Speaker 3: able to save. And I was like, but anyway, I
3:40
Speaker 3: think this was a really good kind of reflection of
3:44
Speaker 3: why because in that snippet we did say that the
3:47
Speaker 3: cost of living crisis is a really main reason as
3:50
Speaker 3: to why people can barely afford to save money, let
3:54
Speaker 3: alone like pay their rent and everything like that. And
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Speaker 3: it's because rent increases have outpaced wage growth by five
4:03
Speaker 3: hundred percent in the first three months of twenty twenty four.
4:08
Speaker 3: What yeah, So data from Domain found that Capital City
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Speaker 3: house rents grew by five percent between January and March,
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Speaker 3: whereas wages grew by less than one percent, sitting at
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Speaker 3: zero point eight percent during the same period. So when again,
4:24
Speaker 3: we're not sharing this information to stress anyone out, because
4:27
Speaker 3: I think you do hear those numbers and you're like,
4:30
Speaker 3: what the fuck? Yeah, what's what the point you do?
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Speaker 3: And even when I was pulling in this report, I
4:34
Speaker 3: was like to say, I was like, what the fuck
4:36
Speaker 3: is going on? I was like, when is something going
4:38
Speaker 3: to be done about this? But I think it's a
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Speaker 3: good reminder for this episode as well to have a
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Speaker 3: conversation have I think about what's the expensive shit that
4:47
Speaker 3: we're buying that we don't really need, Like where can
4:50
Speaker 3: we pull back? Yeah, because I think we're all feeling
4:54
Speaker 3: like the crunch of this, Like my rent went up
4:56
Speaker 3: by one hundred dollars a week this year and that
4:59
Speaker 3: hurt me my feelings. Yeah, and yeah, just a good
5:02
Speaker 3: thing to maybe have a look at the expenses coming
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Speaker 3: in and out of our bank account and what really
5:07
Speaker 3: brings us joy. Like, I think it's really important to
5:10
Speaker 3: still have things in our life and spend the money
5:13
Speaker 3: that we work really hard on, but things that are
5:15
Speaker 3: fun and things that we enjoy, Like it's life is
5:18
Speaker 3: not just about you know, the expenses that's like your
5:21
Speaker 3: groceries and your electricity. Otherwise it's like where's the fun?
5:24
Speaker 3: You know?
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Speaker 2: Yeah, but it's about that balance and yeah, where you
5:29
Speaker 2: can cut back on some of those things and perhaps
5:32
Speaker 2: prioritize the things.
5:33
Speaker 3: That you do really love. When I was like doing
5:35
Speaker 3: the research for this episode, I kept seeing the quote
5:38
Speaker 3: of material rich and money poor. Yeah, And I feel like,
5:43
Speaker 3: especially with how much of it's been normalized to spend
5:48
Speaker 3: money on really expensive stuff now, I think a lot
5:52
Speaker 3: of people listening could probably relate to being material rich
5:55
Speaker 3: and money poor. And what that means is you have
5:57
Speaker 3: a lot of items that are very expensive, yeap that
6:01
Speaker 3: you could look around your apartment and see quite a
6:04
Speaker 3: lot of value and money's worth around, or even look
6:07
Speaker 3: at your makeup routine and see a couple hundred dollars
6:10
Speaker 3: in there, But when you look at your savings, that
6:14
Speaker 3: doesn't that isn't quite reflected there. And again that's not
6:17
Speaker 3: saying like, look at all your bad investments you've made
6:20
Speaker 3: at all, because we've all been there. But it's more
6:22
Speaker 3: to be like, okay, maybe reevaluate, maybe take some learnings
6:26
Speaker 3: from that, being like, Okay, did I need to spend
6:28
Speaker 3: you know, one hundred dollars on that thing? No, Okay,
6:31
Speaker 3: maybe that's one hundred dollars I'll put towards savings next
6:33
Speaker 3: time and I'll buy a more affordable version of that.
6:36
Speaker 3: Like it's like doing a bit of an evaluation. Yeah,
6:40
Speaker 3: that's real reveal performance review of your finance. Yeah, and
6:43
Speaker 3: you're spending because we love shopping and getting a good
6:46
Speaker 3: bargain as much as the next person. But it really
6:49
Speaker 3: has made me think about some of the things that
6:51
Speaker 3: I own and whether I would repurchase them again. Yeah,
6:53
Speaker 3: it's like, would you.
6:54
Speaker 2: Rather see that money reflected in that handbag or in
6:59
Speaker 2: your back we're savings account exactly.
7:01
Speaker 3: And it made me come to the conclusion of you
7:04
Speaker 3: will never regret a good purchase, Like there have been
7:07
Speaker 3: things that I've spent a lot of money on but
7:10
Speaker 3: I needed that or I love it and I do
7:12
Speaker 3: not regret it, Whereas like, there are things that I
7:14
Speaker 3: look at and it makes it feel sick, which I
7:17
Speaker 3: will talk about, But I'm like, you will never ever
7:20
Speaker 3: ever feel guilty or have that voice in your head
7:23
Speaker 3: saying should I be doing this when it's a good purchase?
7:27
Speaker 3: You know deep down and if you have that buyer's
7:30
Speaker 3: remorse and that buyer is guilt before buying something, you
7:34
Speaker 3: know it's not a good purchase. I agree.
7:37
Speaker 2: How good is the feeling when you listen to your
7:40
Speaker 2: gut and you didn't buy something, and then a week
7:42
Speaker 2: later you're like, oh, I'm so glad.
7:44
Speaker 3: I didn't buy it. Yeah.
7:45
Speaker 2: Yeah, And I think a lot of the time, you know,
7:47
Speaker 2: similar to the things that we've said in the past,
7:49
Speaker 2: but a lot of the time we buy like brand
7:51
Speaker 2: name things or we invest in really expensive things because
7:55
Speaker 2: we feel like we need to almost role play that
7:59
Speaker 2: where successful and doing well. And I think it's really
8:03
Speaker 2: hard because you see people on TikTok and Instagram wearing
8:06
Speaker 2: brand names and doing halls of you know what they've
8:09
Speaker 2: been shopping, and you're like, well I need that and
8:12
Speaker 2: I need to wear like the Gucci belts so people
8:14
Speaker 2: can physically see, Okay, she's.
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Speaker 3: Doing well, but can we stop doing that? Well, that's
8:21
Speaker 3: a marketing tactic. The marketing tactic of brands is to
8:25
Speaker 3: sell a lifestyle. Yeah. That's why you'll see so many,
8:29
Speaker 3: especially fashion brand the content has changed and that's why
8:33
Speaker 3: it's like like I saw a post from a fashion
8:35
Speaker 3: brand that was about a girl getting proposed to, but
8:38
Speaker 3: it's about the dress that she's wearing, right, So it's
8:42
Speaker 3: like they're selling like, oh look, this dress is perfect
8:45
Speaker 3: to get proposed yeah, which, you know whatever, brands can
8:49
Speaker 3: do what they want, but it's good having that in
8:51
Speaker 3: your mentality of being like you're getting sold a lifestyle, yeah,
8:55
Speaker 3: rather and that's why it's easy to fall into because
8:57
Speaker 3: it's like, well, I want to get proposed to, like
9:01
Speaker 3: you know, and it's it's how those things get in
9:03
Speaker 3: your brain and it's so easy to like I've fallen
9:06
Speaker 3: for it so many times. Oh totally. But that's why
9:08
Speaker 3: continue to do So, that's why we see like that
9:11
Speaker 3: girl trend, the clean girl trend, the tomato girl trend,
9:14
Speaker 3: because we're getting sold lifestyles. Yeah, it's like the tomato
9:17
Speaker 3: girl trend that had popped off about last year because
9:19
Speaker 3: it was like she's wearing fucking linen and she's in Europe. Yeah, Like,
9:22
Speaker 3: if you want a tomato, you want to buy linen.
9:25
Speaker 3: Buy linen because you need it because you're going on
9:27
Speaker 3: a holiday. Don't buy it because you're a tomato. Yeah,
9:29
Speaker 3: okay exactly.
9:30
Speaker 2: But like the validation that you get from those sorts
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Speaker 2: of things is so fleeting, whereas the validation that you
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Speaker 2: feel from investing your money in things that actually.
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Speaker 3: Align with your values where you want to be in life,
9:44
Speaker 3: or something you actually need, something you actually anything wrong
9:47
Speaker 3: with buying stuff that you need. Like if you're going
9:49
Speaker 3: away and you need, you know, a nice outfit because
9:52
Speaker 3: you're going to a really nice dinner and you're really
9:55
Speaker 3: excited for that. I think that's so fine, but it's
9:57
Speaker 3: something that you know you're going to wear again and
10:00
Speaker 3: again after that, like and it checks. Like the boxes
10:04
Speaker 3: before your purchase. Yeah, of being like, is it on sale?
10:07
Speaker 3: Is the cost per we're gonna be low? Okay, so
10:10
Speaker 3: shall we get into it. I also do want to
10:17
Speaker 3: have a little disclaimer that just because these didn't work
10:21
Speaker 3: for us, or didn't work for one of the chicks
10:24
Speaker 3: that sent it in, doesn't mean it's a bad product,
10:26
Speaker 3: doesn't mean it's you know, you shouldn't buy it or whatever.
10:29
Speaker 3: You are so welcome to make your own decisions with
10:32
Speaker 3: your money. This is just what didn't work for us,
10:34
Speaker 3: But if it works for someone else, and that's so
10:36
Speaker 3: great because I'm glad people got their money as well. Yeah, okay,
10:41
Speaker 3: my first expensive shit not worth the cash Shoka is
10:46
Speaker 3: that you chicks know that my biggest regret is buying
10:48
Speaker 3: a designer handbag. Every time I see it, I'm like you, yeah,
10:52
Speaker 3: Like I still have it and use it because I
10:56
Speaker 3: need to. Yeah, otherwise I'll be like you fucking eat it.
10:59
Speaker 3: But I regret spending that amount on one piece. And
11:04
Speaker 3: again that's not to say no one should buy it,
11:07
Speaker 3: but for me spending that amount of money towards something
11:12
Speaker 3: I feel like I could have got better value because
11:14
Speaker 3: I came one hundred percent get like a leather bag,
11:17
Speaker 3: a leather handbag for three hundred dollars, not three thousand. Yeah,
11:20
Speaker 3: Like I think about what that money could have gone towards,
11:23
Speaker 3: or just could have put in savings or invested it,
11:25
Speaker 3: and I'm like, cool, it's a bag. Yeah, and I
11:29
Speaker 3: don't and I don't use it. That's the thing is
11:31
Speaker 3: like me, I don't use it because I'm scared of
11:35
Speaker 3: someone stealing it or getting damaged and then I'm not
11:37
Speaker 3: getting any cost per wear out of it. Yeah. And
11:40
Speaker 3: it was a lifestyle thing. Yeah, Like I was like, oh,
11:43
Speaker 3: it's a nice bag, and then I was seeing it
11:44
Speaker 3: all over TikTok and all over Pinterest and the lifestyles
11:47
Speaker 3: of like wear this bag feats out like oh that's
11:50
Speaker 3: the nice I need it, I want it, I love it. Yeah,
11:52
Speaker 3: and I can't even fit all my shit in it.
11:54
Speaker 3: It's so stupid. Yeah, it's like the utility is not it. Yeah,
11:57
Speaker 3: Like I'll use it, but I definitely regret buying it.
12:02
Speaker 3: But I'm also not the only one that has this
12:05
Speaker 3: opinion because designer stuff and name brand products, in my
12:10
Speaker 3: opinion and a lot of the Chicks submissions, is just
12:13
Speaker 3: not worth the money. And so when I was doing
12:17
Speaker 3: the research, one creator called Christine on TikTok. I'll link
12:21
Speaker 3: it in the show notes. Did a whole series of
12:23
Speaker 3: purchases she regrets, and I'm going to say, like eighty
12:28
Speaker 3: percent of them were designer products. Wow. So I don't
12:33
Speaker 3: know if I missed any of them, but I think
12:35
Speaker 3: I got all of them, and four out of five
12:38
Speaker 3: were a designer product. Oh my god. So number one
12:43
Speaker 3: was the Gucci slides. These were one four hundred and
12:47
Speaker 3: fifty dollars and she said they were super uncomfortable, had
12:50
Speaker 3: blisters and she had to get them resold so they
12:53
Speaker 3: weren't slippery. Oh no. The next were the Frankie shot
12:57
Speaker 3: Bee trousers. So these are three hundred and ninety eight
13:00
Speaker 3: dollars and their polyester pants with what she said like
13:05
Speaker 3: have a very fast fashioned feel to them. Right. The
13:09
Speaker 3: next was a wiresel smoking moto jacket, and I couldn't
13:13
Speaker 3: find the exact style, but she did say she bought
13:15
Speaker 3: it secondhand. But I looked up a wire cl leather
13:18
Speaker 3: jacket and it retails for over seven thousand dollars. And
13:24
Speaker 3: the biggest thing with this is she said the whole
13:26
Speaker 3: time that she was talking with the seller. She had
13:29
Speaker 3: the voice in her head being like, I don't know
13:32
Speaker 3: if I should be buying this, Like her body was
13:35
Speaker 3: like propulsed by it, and she felt like she shouldn't
13:39
Speaker 3: be doing it. So it's like listening to that voice.
13:42
Speaker 3: And then the fourth out of fifth was the Chloe's
13:46
Speaker 3: Susanna Boots YEP which retail for one thy eight hundred
13:51
Speaker 3: and last but not least, was the Dice in air
13:54
Speaker 3: rap Yeah whell so on that. This was the second
14:02
Speaker 3: most popular submission that we received to our question box
14:07
Speaker 3: on Instagram, and I actually did all the numbers on it,
14:12
Speaker 3: and thirteen percent of responses to expensive shit that wasn't
14:16
Speaker 3: worth the money was the Dyson Wow. Yeah. So I
14:21
Speaker 3: also want to preface this by saying that I've had
14:23
Speaker 3: my Dison air at for that five years and I
14:25
Speaker 3: I love it. I love it, but it works really
14:29
Speaker 3: well with my hair and I actually use it, Whereas
14:34
Speaker 3: I think the main downfall that I've seen and the
14:36
Speaker 3: main kind of negative review is it not working on
14:41
Speaker 3: people's hair, like their hair drops out of it quite
14:44
Speaker 3: quickly or they just don't have the time to use it.
14:48
Speaker 3: And it's definitely a product that you have to kind
14:50
Speaker 3: of do it. Probably you've got to have wet hair.
14:52
Speaker 3: You've got to, you know, maybe put some product in
14:55
Speaker 3: it to make a hold of bit better. And you've
14:56
Speaker 3: got to take the time to fully blow dry your hair.
14:59
Speaker 3: But yeah, if you're not someone who wants to spend
15:01
Speaker 3: time doing your hair, then it's probably not the best investment.
15:05
Speaker 3: I also bought my dice in the first edition secondhand
15:10
Speaker 3: on Facebook marketplace, so I paid like four hundred dollars
15:12
Speaker 3: for it, whereas now it retails for eight hundred and
15:15
Speaker 3: forty nine dollars. And I looked up the price from
15:19
Speaker 3: when it first launch and it was six hundred and
15:22
Speaker 3: ninety nine dollars. Yeah, but it had has had some
15:25
Speaker 3: like tweaks to it.
15:27
Speaker 2: Does I have like different attachments and the textiles, Like
15:30
Speaker 2: you don't have to switch the barrels anymore.
15:32
Speaker 3: It's got like a long barrel and a short barrel.
15:35
Speaker 3: But I still have the first edition. I haven't bought
15:37
Speaker 3: a new one and it still does the job. Yeah,
15:39
Speaker 3: But yeah, I think the thing with the dice in
15:42
Speaker 3: air rap is you can go in store, you can
15:45
Speaker 3: book in and they'll give you a blow dry and
15:48
Speaker 3: you can test the dice in air rap and see
15:51
Speaker 3: if it holds on your hair or if you know
15:52
Speaker 3: someone that has it, borrow theirs for maybe a weekend,
15:56
Speaker 3: and see if you like it, see if you'll actually
15:59
Speaker 3: use it, because nearly nine hundred dollars eight hundred and
16:02
Speaker 3: forty nine that is a lot of money on something
16:05
Speaker 3: that you won't won't use. Yeah, and go look on
16:08
Speaker 3: faceook marketplace, yeah, honestly, or wait till Black Friday or
16:13
Speaker 3: a sale event. Yeah.
16:14
Speaker 2: Yeah, because I think so many people were influenced by
16:18
Speaker 2: the trend of the dice in air rap, you know,
16:20
Speaker 2: over the last it because especially stars of Matilda Jeff
16:25
Speaker 2: and her amazing bouncy blow dry.
16:28
Speaker 3: Yeah, she looks gorgeous, but her hair.
16:30
Speaker 2: Was like made for the diceon airp for a nineties
16:34
Speaker 2: blow dry, like she is, Like if you look up
16:38
Speaker 2: dice and air app in the dictionary, there's probably a
16:40
Speaker 2: picture of her.
16:41
Speaker 3: Oh definitely.
16:42
Speaker 2: So it's not gonna work for everyone. So I think
16:44
Speaker 2: that's such a good tip to try it first.
16:46
Speaker 3: Yeah, definitely try it first. But because you love it,
16:49
Speaker 3: I love mine. But there's also other products that are
16:53
Speaker 3: a lot more affordable that you can get the same look.
16:56
Speaker 3: Like I've heard lots of really good things about the
17:00
Speaker 3: Diboost blow dry brush. I also well, we also tested
17:03
Speaker 3: the Mermaid hair air curl and their blow dry brush,
17:06
Speaker 3: and I really liked that. I thought the look was
17:09
Speaker 3: honestly bang on. Yeah, so what to buy instead is
17:15
Speaker 3: good quality affordable basics or like better yet shop secondhand.
17:21
Speaker 3: So if you want good basics, I am obsessed with Uniclo.
17:26
Speaker 3: I cannot stop recommending them for basics because the price
17:30
Speaker 3: to the like fabric and quality of what you get
17:34
Speaker 3: is just so so good in my opinion. Like the
17:39
Speaker 3: styles are very universal, meaning they're not super trend focused.
17:43
Speaker 3: It's all basics, so it's so good. You can also
17:46
Speaker 3: get alterations in uniclose stores, which is for short girlies
17:51
Speaker 3: amazing because you can get like the jeans taken up
17:54
Speaker 3: or the pants taken up, and I just love them.
17:56
Speaker 3: But Uniclo have a sustainability rating of out of five,
18:01
Speaker 3: and I think it's really hard to find affordable basics
18:05
Speaker 3: that are made with a good material that are you know,
18:09
Speaker 3: above a three, a three and above because a lot
18:12
Speaker 3: of you know, those brands that sit more affordable are
18:15
Speaker 3: going to sit at a one to or two because
18:17
Speaker 3: they're affordable when we look at affordable clothing, a lot
18:20
Speaker 3: of the time it means it's not the kindest to
18:22
Speaker 3: the planet, and that's why it's more affordable. Yeah, and
18:24
Speaker 3: then when we look at sustainable, because there's more sustainable practices,
18:28
Speaker 3: it will increase the price. So it's very difficult to
18:31
Speaker 3: find the middle ground. And I feel like uniclothes probably
18:34
Speaker 3: the closest thing to that middle ground. But yeah, that's
18:37
Speaker 3: where I would shop if you want to invest in
18:39
Speaker 3: pieces that are good quality and affordable. And then Bettiette
18:45
Speaker 3: shop secondhand.
18:46
Speaker 2: Okay, my first expensive shiet that isn't worth the money
18:51
Speaker 2: for me personally is hair extensions.
18:55
Speaker 3: So no, for years, for literal years, I wore hair extensions.
19:00
Speaker 2: What yeah, from maybe about when I was in year ten,
19:04
Speaker 2: which was about two thousand and eight to twenty fifteen,
19:08
Speaker 2: I wore hair extensions.
19:09
Speaker 3: What's the fuck? But you've always had long hair. But
19:12
Speaker 3: that's the thing.
19:13
Speaker 2: When I was like in year ten, I didn't really
19:17
Speaker 2: like my hair was about would have been shorter than yours.
19:20
Speaker 2: I also had like, you know, like a razor cut
19:23
Speaker 2: mullet and then it's like thin on the ends, Like
19:25
Speaker 2: that was the.
19:25
Speaker 3: Look at the time. But then you.
19:29
Speaker 2: The further extension of that look PUN intended was then
19:32
Speaker 2: to have like long extensions in it. And then as
19:34
Speaker 2: like I got older, you know, my hair changed. I
19:37
Speaker 2: always wanted a little bit more length and more thickness,
19:40
Speaker 2: so I always wore extensions. I used to wear sew
19:44
Speaker 2: in extensions, oh for.
19:45
Speaker 3: A long time. They're really expensive.
19:48
Speaker 2: Tape in extensions I've had. And then also clip ins
19:52
Speaker 2: as well, yeah, which I do think if you're going
19:55
Speaker 2: to pick anything, if you've never had extensions before, clip
19:58
Speaker 2: ins is like a good place to start.
20:00
Speaker 3: And also because I.
20:01
Speaker 2: Just hate the feeling of having fucking extensions in your.
20:04
Speaker 3: Head and you want to like scratch your scalp and
20:06
Speaker 3: you can't.
20:08
Speaker 2: Sorry, I just add a flash back, but when I
20:13
Speaker 2: first started getting hair extensions, like the prices have changed
20:16
Speaker 2: a lot since then, because we're talking like fifteen years.
20:19
Speaker 2: But I probably haven't worn hair extensions since like maybe
20:23
Speaker 2: twenty eighteen, and I did have tape in hair extensions
20:27
Speaker 2: at that time, but I had a look and according
20:31
Speaker 2: to the Australian Beauty School in Salon, hair extensions can
20:35
Speaker 2: cost between five hundred and eight hundred dollars per installation.
20:40
Speaker 2: How much you'll pay will of course depend on the
20:43
Speaker 2: quality of the hair, the quality of the salon, if
20:45
Speaker 2: you're working with a hair extension specialist, which I do
20:48
Speaker 2: think is really important in terms of the application, and
20:52
Speaker 2: also removal of the extensions to protect your hair.
20:55
Speaker 3: But clip ins are.
20:56
Speaker 2: Of course, like I said, a more affordable option. I
21:00
Speaker 2: used to use hair extensions from Zala Hair.
21:03
Speaker 3: I remember them throw a back yeah, which around.
21:07
Speaker 2: Yeah they are, yeah, and they're still really popular, I believe,
21:11
Speaker 2: but those started at ninety nine dollars, but that was for.
21:16
Speaker 3: Like like one string, yeah, so like quite.
21:18
Speaker 2: Short length of hair, whereas I used to get like
21:20
Speaker 2: the twenty two inch or whatever and then get them
21:23
Speaker 2: cut into And the thing for me is what I
21:26
Speaker 2: will say is that like a lot of people want
21:28
Speaker 2: to play with the length of their hair their hair
21:31
Speaker 2: not like might not grow as quickly. I was talking
21:35
Speaker 2: to a hairdresser the other day and she was like, yeah, well,
21:37
Speaker 2: you know, we see a lot of people who experience
21:40
Speaker 2: hair loss, so they want hair extensions, you know. So
21:44
Speaker 2: there's lots of different reasons why people would want hair extensions.
21:47
Speaker 3: And I'm not saying.
21:48
Speaker 2: That it is, you know, completely worthless investment, but for
21:52
Speaker 2: me personally, what my goal with my hair extensions was
21:56
Speaker 2: to have longer and thicker hair because I wasn't going
21:59
Speaker 2: too you know, a really qualified hair extension specialist. The
22:07
Speaker 2: amount of damage that they did to my hair every
22:11
Speaker 2: single time, I would get so much breakage when I
22:15
Speaker 2: was removing it that it just if I had left
22:19
Speaker 2: it and instead focused on investing in good quality shampoo
22:23
Speaker 2: and conditioner, hair masks, getting regular trims, things like that,
22:29
Speaker 2: my hair would have grown and been thicker so much
22:32
Speaker 2: quicker than when I was wearing hair extensions. And once
22:35
Speaker 2: I did stop wearing hair extensions and did start focusing
22:39
Speaker 2: on those things, that's exactly why I And I'm just like, yeah, God,
22:43
Speaker 2: damn it, Like I just wish I knew that in
22:45
Speaker 2: hindsight for me personally, because I know that in my
22:50
Speaker 2: teens and early twenties, I spent a lot of money
22:53
Speaker 2: on hair extensions.
22:54
Speaker 3: Yeah, what to buy instead?
22:56
Speaker 2: Invest in a good quality hair mask, heat protect and
23:01
Speaker 2: good shampoo and conditioner. Visit a hairdresser who can give
23:07
Speaker 2: you good advice on which products to use for your
23:09
Speaker 2: particular hair type and your hair concerns and goals. You know,
23:14
Speaker 2: like I go to the hairdressers twice a year. Yeah,
23:17
Speaker 2: Like that's all it takes for me. And even deciding
23:20
Speaker 2: to go from jet black hair, which is what I
23:23
Speaker 2: had for the majority of the time when I had
23:24
Speaker 2: hair extensions two or more lived in Ballyage. That means
23:29
Speaker 2: that instead of having to get my hair done every
23:32
Speaker 2: three months, I now get it done once or twice
23:35
Speaker 2: a year. One of my personal favorites, which I've spoking
23:37
Speaker 2: about many times on the show, loosely, braid your hair
23:41
Speaker 2: before you go to sleep. I used to wear it
23:43
Speaker 2: up in a top knot, and shit, it's not good
23:46
Speaker 2: for your hair. Causes a lot of breakage and tension
23:48
Speaker 2: on your hair. And sleep on a silk pillowcase.
23:51
Speaker 3: Sure do well. Everyone always asks you if you have extensions.
23:54
Speaker 2: They do, yeah, and they're always so shocked, and I'm like, yeah,
23:58
Speaker 2: the special moment.
24:01
Speaker 3: My next expensive shit not worth the cash. AirPods I
24:05
Speaker 3: don't like. I don't like it well because ever since
24:10
Speaker 3: I got like noise canceling overhead headphones, my life has changed.
24:16
Speaker 3: I just I know some people love their AirPods, but
24:19
Speaker 3: for me, they always fall out of my ears, like
24:22
Speaker 3: they always like, you can't go for a run in them.
24:24
Speaker 3: You can barely even go for a brisk wall because
24:27
Speaker 3: I don't know. Maybe I've got really small ears. I've
24:29
Speaker 3: had the wind blow an airport out.
24:31
Speaker 2: Of my ear before me, the window, the toad from
24:36
Speaker 2: the wind, and the willows.
24:39
Speaker 3: Of my ears just they fall out. And here's the
24:42
Speaker 3: thing for me, there's three pieces. There's three things I
24:46
Speaker 3: can lose. You lose one AirPod, you're fucked. You lose
24:50
Speaker 3: the case, you're fucked. There is too many things I
24:54
Speaker 3: can lose in that arrangement that I just I can't
24:58
Speaker 3: do it. Yeah, don't play They're not for me. And
25:01
Speaker 3: I also just think the sound on them is just
25:04
Speaker 3: it's not it's not there for me. In saying this,
25:07
Speaker 3: I never got like the Pro ones. I had like
25:10
Speaker 3: the first edition ones, but I've used your Pro ones
25:13
Speaker 3: and I don't like them. I definitely like the pros
25:16
Speaker 3: better than I was inside your ear. Yeah, but I also.
25:19
Speaker 2: Have beats which I've had for like I think three
25:22
Speaker 2: or four years now.
25:23
Speaker 3: Yeah, and the sound quality is so much Well, that's
25:27
Speaker 3: the thing, and that's what I was gonna say. Is
25:29
Speaker 3: my wa to buy instead is a good pair of
25:32
Speaker 3: noise canceling overhead headphones. Like they are just they've been
25:37
Speaker 3: a game changer for me. The ones that I have
25:39
Speaker 3: that I absolutely love that I think I've convinced that
25:42
Speaker 3: like four friends to buy and they are an investment.
25:45
Speaker 3: Is the both quiet comfort headphones. And my favorite thing
25:50
Speaker 3: about these is one they do not fall out anywhere.
25:54
Speaker 3: They stay on your head. They're great. They're also really
25:58
Speaker 3: really comfy, like really really comfy. They don't hurt any
26:02
Speaker 3: of my piercings in my ears, and the noise cancelation
26:06
Speaker 3: of them is lit. It's great. And they can connect
26:10
Speaker 3: to multiple devices at once. I don't know if airports
26:13
Speaker 3: can do that now. I don't know mine. I don't
26:16
Speaker 3: think mine could do it. Whereas I my headphones will
26:18
Speaker 3: connect to my laptop and my phone at the same time.
26:21
Speaker 3: When I'm working and I'm working on my laptop and
26:24
Speaker 3: I'm listening to something with my laptop, I can pick
26:25
Speaker 3: up my phone and my phone will go through the
26:28
Speaker 3: headphones as well. Oh it just yeah, I think the
26:31
Speaker 3: airports do that. Do they do that? Okay, I don't
26:33
Speaker 3: know if I did that. I hate when it does that, though,
26:35
Speaker 3: Oh really I like it.
26:36
Speaker 2: That's only because when I'm like, when I'm like listening
26:38
Speaker 2: to something like it's always because I'm like editing something
26:41
Speaker 2: or whatever, listening back to the podcast, and then I
26:43
Speaker 2: like pick up my phone and like open Instagram that
26:45
Speaker 2: it like goes over to that.
26:47
Speaker 3: Too real and I'm like no, stop, see I like that.
26:51
Speaker 3: And then there's only one thing you can lose, and
26:54
Speaker 3: they're a lot bigger, so it's not harder to lose them. Yeah,
26:57
Speaker 3: they don't end up in the washing machine, you know
26:59
Speaker 3: what I mean.
27:00
Speaker 2: I think wait for a sale event, like these things
27:03
Speaker 2: go on sale during Black Friday or like when it's
27:06
Speaker 2: Christmas and you're.
27:07
Speaker 3: Like what do I want?
27:08
Speaker 2: Yeah, be like mom, Dad, party high. I feel like,
27:14
Speaker 2: can you please all pull in for a JB Like
27:18
Speaker 2: I love them.
27:19
Speaker 3: Yeah, It's like it's a I don't know if it's
27:21
Speaker 3: a bit of a boring purchase, but and I think
27:24
Speaker 3: it's worth the spurge, especially when you're using them every day,
27:29
Speaker 3: Like I use them every day when I'm going for
27:31
Speaker 3: a walk or a run, or on transport or going
27:33
Speaker 3: on an airplane. Not that that's every day, but like
27:36
Speaker 3: whenever I'm going on an overseas trip, you need the
27:38
Speaker 3: nolise canceling headphones. Yeah, that's how I justify them.
27:40
Speaker 2: I'd be like, especially when we worked in an office job,
27:43
Speaker 2: I was like, I'm wearing my headphones day, ten.
27:46
Speaker 3: Hours a day, and that's not hyperbole. So Yeppos, I
27:50
Speaker 3: love them.
27:51
Speaker 2: My last expensive shit that's not worth the money is
27:56
Speaker 2: bottomless brunch.
27:58
Speaker 3: Oh, because you're so right. No, you're so right. Fuck you,
28:01
Speaker 3: you're so controversial. No, but you're so right. This one
28:06
Speaker 3: maybe has an asterix. Maybe, but for me, oh, I
28:10
Speaker 3: know where we're going with it.
28:12
Speaker 2: But for some people and in some situations, maybe a
28:15
Speaker 2: bottomless brunch can give you bang for buck. But for
28:19
Speaker 2: me personally, I never feel like I can eat and
28:22
Speaker 2: drink enough in the allotted period of an hour and
28:25
Speaker 2: a half, which it usually is to make.
28:28
Speaker 3: Up the money. Yeah. Ever yeah, Also, I'm a vegetarian.
28:32
Speaker 2: I don't know if anybody else with dietares feels this way.
28:36
Speaker 2: But a lot of the time the bottomless brunch, the
28:38
Speaker 2: appeal is, oh, you get to have options. I can
28:40
Speaker 2: have this taco and this taco and this taco. Most
28:43
Speaker 2: of the time I look and there's one option, and
28:45
Speaker 2: most of the time it's fucking mushroom anyway, eggplant or
28:48
Speaker 2: eggplant you have.
28:49
Speaker 3: Two favorites, my two favorites.
28:51
Speaker 2: But regardless, even if it was something I really enjoyed,
28:54
Speaker 2: i'd be like, oh, well, I'm sort of just snacking
28:56
Speaker 2: on the one thing. And usually I look at it
28:58
Speaker 2: and I'm like, I probably would have been better off
29:01
Speaker 2: buying one cocktail, yeah, having three tacos, and then probably
29:05
Speaker 2: getting a vodka lime soda.
29:06
Speaker 3: And that's what I would usually room in about them
29:08
Speaker 3: now too, So like the rules will be like you've
29:11
Speaker 3: got to finish the I mean, it's probably just the
29:13
Speaker 3: responsible service of alcohol totally, but it's like you've got
29:17
Speaker 3: to finish like that drink before you can order another drink.
29:20
Speaker 3: And I find that with some places the service is
29:24
Speaker 3: very slow, so that you can't get as many drinks
29:27
Speaker 3: within the time. That's not to say everywhere, but I've
29:30
Speaker 3: definitely noticed that at some It's like I'm there and
29:33
Speaker 3: my drink is empty, but my drink's been empty for ages,
29:36
Speaker 3: and I'm trying to get a drink and it takes
29:38
Speaker 3: a while to get it out because and who knows
29:40
Speaker 3: if that's on purpose or if I'm just banging for
29:42
Speaker 3: a bed. You were cut off, and I'm like, oh,
29:48
Speaker 3: come on, but yeah, I completely agree. And I feel
29:51
Speaker 3: like bottomless brunches started at like sixty bucks and now
29:56
Speaker 3: they're very much more towards the eighty to like nine
29:59
Speaker 3: hundred of wheny I've seen some more. But here's the thing,
30:04
Speaker 3: I get full really quickly. I don't feel like I
30:07
Speaker 3: can eat as much to get the value sam of it.
30:11
Speaker 3: Like I love picking at everything, but I I just
30:14
Speaker 3: but I also feel like that's a bit of a waste.
30:15
Speaker 3: And when I like when I eat heaps, I don't
30:18
Speaker 3: really feel like drinking heats. Same when I drink heaps,
30:21
Speaker 3: I don't really feel like eating heaps. I do eat
30:25
Speaker 3: be responsible, but like you're like, I want like a
30:28
Speaker 3: huge part. We're getting old, babe.
30:31
Speaker 1: I know.
30:33
Speaker 3: I kind of feel the same about set menus as well.
30:35
Speaker 3: Like I know that these are typically I think that's
30:37
Speaker 3: because of you being a vegetarian exactly, So I know.
30:41
Speaker 2: That they're typically cheaper than ordering each of the meals
30:44
Speaker 2: like ala catte. Yeah, but again, because for me, I
30:49
Speaker 2: might call this is one thing I can have.
30:50
Speaker 3: It sounds good. I'm also like a picky eater.
30:53
Speaker 2: I know what I like, and I'm like, for me,
30:55
Speaker 2: it's probably better off to just order what I want.
30:57
Speaker 2: So that's why that one has an asterix. And also
30:59
Speaker 2: because I also don't want to try a really good
31:03
Speaker 2: bottomless brunch one time and be like, guess what, this
31:06
Speaker 2: one actually was really good to my money, because I
31:08
Speaker 2: do think that there are ones out definitely, Yeah, but
31:11
Speaker 2: I just think across the board, so what to buy?
31:15
Speaker 3: What to buy? Instead? I think go for a happy hour.
31:19
Speaker 2: That I was gonna say, because usually there's a little
31:23
Speaker 2: bit more variety in what you can get. And also
31:27
Speaker 2: make sure that you're using apps like First Table, Eat
31:31
Speaker 2: Club or Happiest hour to find happy hour deals and
31:35
Speaker 2: cheap meal deals near you, because a lot of the
31:38
Speaker 2: time they're not as there's not as many tea and
31:42
Speaker 2: c's as there are for a bottomless brunch, and that's
31:45
Speaker 2: what I typically prefer to do.
31:46
Speaker 3: I mean, that's right, Yeah, that's a good point. There
31:48
Speaker 3: aren't as many like teas and teas for a happy hour. Yeah.
31:51
Speaker 2: It's like, yeah, sure the happy hour might go for
31:53
Speaker 2: two hours, but that's.
31:55
Speaker 3: The same amount of time as a bottomless brunch.
31:57
Speaker 2: Yeah, But it's like if you're just going for drinks
31:59
Speaker 2: or like, you can do that and then like order
32:00
Speaker 2: whatever you want from the pub at the same time,
32:02
Speaker 2: or like going to the pub on like the cheap
32:05
Speaker 2: Tuesday when you can get the Pami or the Burger special,
32:08
Speaker 2: like eyeing those out being like, yeah, I'm a burger girl,
32:10
Speaker 2: so I'll go for the Friday Burgers.
32:12
Speaker 3: I respect it, I like it, thank you. So let's
32:15
Speaker 3: get into the chicks submissions. Now. This one's from Sarah
32:20
Speaker 3: and this one made me fucking fizz my pants. So
32:23
Speaker 3: expensive shit not worth the cash. Go traveling on your own,
32:26
Speaker 3: go with your bestie or alone, and protect the memories.
32:30
Speaker 4: Holidays can make or break oh my god, relationship and
32:34
Speaker 4: especially what we've said before is don't book an overseas holiday,
32:41
Speaker 4: like if you've been dating for like less than twelve
32:45
Speaker 4: months in advance, like.
32:47
Speaker 3: If you've been dating for six months, don't book a
32:49
Speaker 3: holiday through inny year's time. I agree, because you don't
32:52
Speaker 3: know it's gonna happen.
32:53
Speaker 2: Also, if your relationship is on the rock, yes, don't book.
32:58
Speaker 2: Don't do it holiday, especially if it's a one like
33:00
Speaker 2: a month long trip to Europe. Next one Stanley and
33:04
Speaker 2: Frank green Yettie is so much better from Vail.
33:08
Speaker 3: I love the name BeO me too. See we haven't
33:11
Speaker 3: tried Yetti's. Yeah, we've got Frank Green's. Yeah. And to
33:15
Speaker 3: be honest, I've got the Stanley Cup and Stanley Cup's
33:18
Speaker 3: cute and good, but you can't close it, yeah, And
33:22
Speaker 3: I think that's a massive downfall of it because you
33:24
Speaker 3: can't like chuck it in your bag. But I like
33:27
Speaker 3: there's also the other thing on the Frank Green that
33:29
Speaker 3: people don't like that you have to touch the lid thing.
33:31
Speaker 3: But they've got that new button, yeah, that you can press.
33:34
Speaker 3: I mean so many people already have their Frank Green
33:35
Speaker 3: that now like you've got to repurchase another thing exactly.
33:38
Speaker 3: I don't know. I think the best water bottle is
33:40
Speaker 3: the one you use.
33:42
Speaker 2: Yeah, So I like mine, but it is it's an
33:45
Speaker 2: expensive purchase, it is.
33:46
Speaker 3: And I got mine as a gift. So that's probably
33:48
Speaker 3: why I got two. Is a gift. Yeah, I did,
33:50
Speaker 3: Lucky girl. It does keep the water and icing cold
33:54
Speaker 3: though I use mine so much, and like you do
33:57
Speaker 3: end up drinking more water from having like an emotional
33:59
Speaker 3: support water bottle. But I don't necessarily think you need
34:02
Speaker 3: to spend like sixty bucks on a water bottle if
34:05
Speaker 3: you want to go get one just from grandma or whatever. Yeah,
34:09
Speaker 3: I agree, it'll serve the same purpose. Okay. Our next
34:13
Speaker 3: one from the Chicks Everything health and well being is
34:17
Speaker 3: dry brushing, tongue scraping, et cetera. Worth it. Oh, I
34:22
Speaker 3: really want to get a tongue scraper, so I'll report
34:24
Speaker 3: back on this, Yeah, because it would be so satisfying.
34:27
Speaker 3: Oh that's the thing, and I soon am I talking
34:31
Speaker 3: about this all the time. I hate brushing my tongue
34:34
Speaker 3: because I'm fucking cat cowing over it sink me.
34:38
Speaker 2: But I'm like, will the tongue scraper avoid that issue
34:41
Speaker 2: or is it just gonna be?
34:42
Speaker 3: I think it will. I think it will. Okay, we
34:45
Speaker 3: can try it. Yeah. The dry brushing one I kind
34:49
Speaker 3: of agree with. Like I would try dry brushing, but
34:54
Speaker 3: it's a fun like wellness activity. I don't know if
34:57
Speaker 3: I necessarily You tried it, didn't you? Yeah you liked it? Yeah?
35:02
Speaker 2: Yeah, I think it's good. But I think that's the thing.
35:04
Speaker 2: It's just like depends on what you need as well.
35:07
Speaker 3: Like I'm like, I'm so dry, Like I need all
35:09
Speaker 3: the help I can get, you know what I mean? Like,
35:11
Speaker 3: fuck me, I'm so dry, you know what I mean?
35:19
Speaker 3: It's true okay, and then the last one, which I
35:24
Speaker 3: think you had a fun little stat to this one.
35:27
Speaker 2: Yeah, I did so the last expensive shit that isn't
35:32
Speaker 2: worth the money from the chicks dresses as a wedding guest.
35:36
Speaker 3: That's from a I completely agree.
35:42
Speaker 2: Yep, And we've got we've got a stat to back,
35:44
Speaker 2: we've got some stats by So, according to a twenty
35:49
Speaker 2: twenty three Finder study, wedding guests spent on average one thousand,
35:56
Speaker 2: nine hundred and ninety three dollars to attend their life
36:00
Speaker 2: one's special day. Keep in mind, on average, this included travel, accommodation, gifts,
36:09
Speaker 2: pre wedding activities such as hens nights, engagement parties, and
36:14
Speaker 2: a new dress or suit, of which the average person
36:18
Speaker 2: spends two hundred and fifty nine dollars on a new
36:22
Speaker 2: suit or dress.
36:24
Speaker 3: So is that one thousand dollars for one wedding? Yeah,
36:27
Speaker 3: the one and ninety three. Oh, I'm so glad I
36:31
Speaker 3: only have one friend that's engaged.
36:33
Speaker 2: Yeah, But like it makes sense if you think about
36:35
Speaker 2: the game. You're going to a destination wedding if you
36:37
Speaker 2: have to stay at a hotel, But the average wedding
36:41
Speaker 2: guest attendee spends two hundred and fifty nine dollars on
36:46
Speaker 2: the dress or suit alone according to the studies.
36:49
Speaker 3: So wow, and people and like it gets like years,
36:54
Speaker 3: that's like wedding seasons. Yeah, and people have like ten
36:57
Speaker 3: weddings in a year. Yeah, that's ten thousand when you're
37:00
Speaker 3: going with that start.
37:01
Speaker 2: When you get into your late twenties and early thirties especially,
37:05
Speaker 2: it is wedding season and baby season galore.
37:09
Speaker 3: Oh my god, it's so expensive. And like, I love weddings.
37:12
Speaker 3: I love weddings. I love seeing people get married and
37:15
Speaker 3: do their dance and like the bar. But you know
37:20
Speaker 3: that's going back there, But you don't me. I'm treating
37:23
Speaker 3: weddings like a bottomless brunch, Like I spend one thousand
37:27
Speaker 3: dollars to get here. I'm getting a thousand dollars of
37:30
Speaker 3: the fucking open bar to being like, this dress is
37:33
Speaker 3: three hundred dollars. Open the wine, baby, get the rose
37:37
Speaker 3: over here. You were me going to be best friends
37:39
Speaker 3: bartending Just kidding, obs, not really, But obviously people spend
37:46
Speaker 3: a lot of money per head for weddings as well.
37:49
Speaker 3: But I think that does shine a really good light
37:51
Speaker 3: on it that you don't need to buy a new
37:55
Speaker 3: dress for every wedding.
37:57
Speaker 2: If you think about all of these expenses, basically the
38:00
Speaker 2: only one that you can buy once and reuse across
38:03
Speaker 2: multiple weddings is the output.
38:05
Speaker 3: Borrow your friends, Like if you're all going to the
38:08
Speaker 3: same weddings, collectively buy your wardrobe so then you can
38:13
Speaker 3: best Yeah, or.
38:15
Speaker 2: Buy a neutral dress that you feel good in, that
38:20
Speaker 2: is a color that you love that you can wear
38:23
Speaker 2: to multiple events.
38:24
Speaker 3: That's what I do. Did you see that the actress
38:27
Speaker 3: that plays Eloise Bridgeton for their press tool bought one
38:30
Speaker 3: suit and did all of her press in one suit?
38:35
Speaker 3: The showcase? Like re wearing your outfits and like embracing
38:39
Speaker 3: the Lizzie Maguire you were an outfit repeater. Yeah, so good. Yeah,
38:43
Speaker 3: I love her. She's the best. Yeah, she's so cool.
38:46
Speaker 3: I want to be friends with her. She'd be a
38:48
Speaker 3: good laugh. Yeah. Okay, shall I get into advice.
38:50
Speaker 2: With the chicks?
38:55
Speaker 3: Okay, So long story short. I thought I could handle
38:59
Speaker 3: credit cards, and I couldn't. I'm twenty one and have
39:03
Speaker 3: two credit cards that amount about nine thousand dollars in debt.
39:08
Speaker 3: I have so many things this year that I need
39:10
Speaker 3: to pay for, and I need to pay five thousand
39:12
Speaker 3: dollars off in the next three months before I do
39:15
Speaker 3: any of it, as I feel if I don't pay
39:17
Speaker 3: one card off, I will be a mess. My problem
39:21
Speaker 3: is I am literally addicted to shopping. I know how
39:24
Speaker 3: it sounds. It's crazy, but it's the instant gratification it
39:27
Speaker 3: gives me. But I'm being honest. I do really want
39:31
Speaker 3: to pay this off. For reference, I earn about one
39:34
Speaker 3: point five to two thousand dollars a fortnight, sometimes more,
39:37
Speaker 3: sometimes less. However, I am living out of home and
39:40
Speaker 3: have bills and expenses. I have tried for a balanced
39:43
Speaker 3: transfer and was denied with absolute fear reason. So please
39:48
Speaker 3: tell me. If anyone has tips, whether it's to stop shopping,
39:51
Speaker 3: to combine my debt, etc. Whatever it is, please give
39:55
Speaker 3: me your advice. I want to pay it off, but
39:57
Speaker 3: I physically keep justifying every purchase and I feel so
40:01
Speaker 3: bad for it. I never want a credit card again
40:04
Speaker 3: after this, But my bills come off of it and
40:06
Speaker 3: I pay the card back bit by bit. But it's
40:09
Speaker 3: like I keep this bad cycle on by funding the
40:12
Speaker 3: card to pay for bills than any additional I spend.
40:15
Speaker 3: Please help a girl out. I'm not looking for judgment
40:18
Speaker 3: or for people to be rude, just some advice if
40:20
Speaker 3: you have any Oh gosh, that makes you feel so
40:26
Speaker 3: sick for you, Like, yeah, I know how stressful this
40:30
Speaker 3: would be, and there's absolutely no judgment from us. We
40:34
Speaker 3: know that this kind of stuff is a slippery slope.
40:37
Speaker 3: But so you worked as a credit cards editor for years,
40:41
Speaker 3: so I'm sure that you have some tipsah advice. Yeah.
40:45
Speaker 2: I think before we did this episode, and you know,
40:48
Speaker 2: we were looking at the submissions from the chicks, we
40:51
Speaker 2: were talking about should you ever get a credit card
40:54
Speaker 2: in your twenties? I think it honestly depends. I personally
40:59
Speaker 2: never did, even being a credit card editor and being
41:03
Speaker 2: you know, well versed in credit cards, because I think
41:06
Speaker 2: whether or not it's suitable really comes down to your
41:08
Speaker 2: spending habits and financial needs. I think, personally, a credit
41:13
Speaker 2: card is only of good use if you're purely using
41:18
Speaker 2: it to buy things that you can immediately pay off
41:22
Speaker 2: because you're earning points, or you're using it to build
41:25
Speaker 2: up your credit score and credit history, which you can
41:29
Speaker 2: only do if you're making your payments on time and
41:33
Speaker 2: not collecting or attracting interest.
41:36
Speaker 3: So I think that's the thing, Like you really.
41:39
Speaker 2: Need to sit down and have a like good hard think,
41:43
Speaker 2: like what are your spending habits? Like do you use
41:46
Speaker 2: a lot of buy now, pay later services? Do you
41:48
Speaker 2: find that you know you're sort of going paycheck to paycheck?
41:53
Speaker 2: Do you struggle to save money or like really know
41:56
Speaker 2: where your money is?
41:57
Speaker 3: Like literacy, Yeah, and I think say that you have
42:00
Speaker 3: good financial literacy. Yeah, And there's no shame if you're like, oh,
42:03
Speaker 3: I actually have no idea, Like.
42:06
Speaker 2: Ignorance is bliss when it comes to my money. I
42:08
Speaker 2: think a lot of people have that approach. And I
42:11
Speaker 2: think a lot of people look at credit cards as
42:13
Speaker 2: a way to get some breathing room. And I think
42:16
Speaker 2: if you're going to look at it like that, I
42:18
Speaker 2: personally wouldn't get one.
42:20
Speaker 3: But we're here, now you've got the credit cards.
42:24
Speaker 2: This isn't financial advice, we will say, I think it
42:28
Speaker 2: could really be worth maybe going to speak to someone.
42:31
Speaker 2: I know that is an additional expense, but a financial
42:34
Speaker 2: advisor or an accountant could help give you an actionable
42:39
Speaker 2: plan on how to pay down your debt that will
42:41
Speaker 2: work for you.
42:42
Speaker 3: And they have all the licenses and everything to give
42:45
Speaker 3: you that advice.
42:47
Speaker 2: If I was talking to someone generally with a credit
42:49
Speaker 2: card debt. I would have said to potentially get a
42:52
Speaker 2: balanced transfer, which she did mention her submission, which is
42:56
Speaker 2: basically a credit card that allows you to transfer a
42:59
Speaker 2: debt or multiple debts, from one credit card that's attracting
43:02
Speaker 2: interest to a credit card that charges no interest for
43:06
Speaker 2: a promotional period. So, for example, this promotional period may
43:09
Speaker 2: last for twenty eight months, and that will give you
43:12
Speaker 2: twenty eight months to pay down your debt without attracting
43:16
Speaker 2: any further interest. So again, it gives you a bit
43:19
Speaker 2: of like breathing room to concentrate.
43:21
Speaker 3: On paying that down.
43:23
Speaker 2: But even if you've got a balanced transfer credit card,
43:25
Speaker 2: you should never use it to make purchases or new purchases. Ever,
43:30
Speaker 2: So in this situation, would you like because she obviously
43:33
Speaker 2: can't do that, Yeah, would The first thing if you
43:37
Speaker 2: in this situation do would be is stop paying your
43:39
Speaker 2: bills on this credit card. So the first thing that
43:41
Speaker 2: I would do is stop using your card to make
43:44
Speaker 2: purchases full stop. Yeah, take off any recurring bills that
43:48
Speaker 2: you've got on there, stop using it to make any
43:51
Speaker 2: new purchases, and focus purely on paying the debt off.
43:56
Speaker 2: I think that you know, removing the recurring payments in
43:59
Speaker 2: your bills is a first app. The second would be
44:01
Speaker 2: remove your card details from your Apple Pay, remove it
44:05
Speaker 2: from any places that it might be saved in online
44:07
Speaker 2: accounts where you use it to check out, remove it
44:10
Speaker 2: from after pay if you've been using it on that
44:13
Speaker 2: anything like that. Go through all of your accounts and
44:15
Speaker 2: take it off so it's not even an option. Take
44:18
Speaker 2: it out of your digital wallet whatever you use, and
44:22
Speaker 2: then leave it at home. Don't take it out with
44:25
Speaker 2: you when you're going shopping. Leave it like hidden or
44:28
Speaker 2: locked away so you won't be tempted to make any purchases.
44:33
Speaker 3: It's not even an option. I would do whatever it
44:35
Speaker 3: to lock in a box and throw it to like
44:38
Speaker 3: have it away. And then it's going to be really hard.
44:42
Speaker 3: Yeah you're breaking like an addiction, because yeah, I think
44:46
Speaker 3: it's it is really hard, and there is such an
44:49
Speaker 3: element of addiction to shopping that it's finding the triggers
44:54
Speaker 3: as well. And if that is things like social media,
44:57
Speaker 3: like one thing I did when I felt like I
44:59
Speaker 3: was shopping to which is eye went and unfollowed every brand,
45:02
Speaker 3: Like a shopping addiction is a very real thing.
45:07
Speaker 2: Like we're not being like TIHI shopoholics like it actually
45:11
Speaker 2: is a genuine addiction. So I don't don't downplay that
45:15
Speaker 2: or like I know you said, like it sounds silly.
45:16
Speaker 3: It doesn't at all.
45:18
Speaker 2: I think a lot of people experience it. But I
45:20
Speaker 2: think that if you concentrate on paying off your debt
45:24
Speaker 2: and not making any future purchases on that card, you
45:29
Speaker 2: will slowly but surely pay off your debt. And I
45:33
Speaker 2: think that the more that you pay off your debt,
45:35
Speaker 2: you're showing your bank good science, good behavior that you're
45:41
Speaker 2: paying it off. And as you're doing that and your
45:44
Speaker 2: debt is going down, also keep tabs on your credit
45:48
Speaker 2: score and look at your credit report and see if
45:50
Speaker 2: that's gonna improve, because typically it does when you're paying
45:54
Speaker 2: your bills on time. And also the amount of debt
45:57
Speaker 2: that you have is being lowered. And keep an eye
45:59
Speaker 2: on that because you may be able to apply for
46:02
Speaker 2: a balance transfer card in future when your debt is
46:05
Speaker 2: smaller and you've improved your credit score. But again I
46:09
Speaker 2: would make sure that you're doing all that, do all
46:11
Speaker 2: your research, know what the eligibility requirements are before applying
46:15
Speaker 2: for that future balance transfer card.
46:17
Speaker 3: If you do decide to do that. But paying down
46:20
Speaker 3: your debt now.
46:21
Speaker 2: Will potentially make it easier for you to get approval
46:25
Speaker 2: in the future. But stop using your current credit card
46:29
Speaker 2: to make any purchases.
46:30
Speaker 3: That's the very first step that you have to do. Yeah,
46:34
Speaker 3: we do have a whole episode about tips to avoid
46:38
Speaker 3: impulse shopping that also might be helpful, and we can
46:41
Speaker 3: put a link in that in the show notes. There's
46:43
Speaker 3: a lot of people that find themselves in similar predicaments
46:47
Speaker 3: and it is really hard, and it is really easy
46:49
Speaker 3: to be angry at yourself. And while it is good
46:52
Speaker 3: to be accountable, it's really better to put that energy
46:56
Speaker 3: into fixing the problem rather than just hating yourself for it.
46:59
Speaker 3: So you have all the tools and you have everything
47:03
Speaker 3: to make a decision and to stick to it. And
47:06
Speaker 3: I really really believe that you can do this. You
47:08
Speaker 3: absolutely can. So you got this chick love love, Yeah,
47:14
Speaker 3: good luck, but you don't need it. You can do it.
47:16
Speaker 3: You can do it bad alright, alrighty chicks. Well that
47:21
Speaker 3: is a wrap for today's episode of Too broad Check
47:23
Speaker 3: Its That is a ray. That is a right.
47:26
Speaker 2: Thanks to your chicks for having us in your ear holes.
47:29
Speaker 2: We love to be here and thanks for sending in.
47:30
Speaker 3: Your submissions as well. We always love these episodes.
47:34
Speaker 2: Pass the mic over to the chicks and thank you
47:36
Speaker 2: to m ik Made for making today's episode happened.
47:39
Speaker 3: Love Yeah bye check bye