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Transcript

Victoria Almost Fell Victim to a Scam (and How to Protect Yourself) · She's On The Money

• 0:00
  Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud
• 0:04
  Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And
• 0:08
  Speaker 1: before we get started on She's on the Money podcast,
• 0:11
  Speaker 1: I would like to acknowledge the traditional custodians of the
• 0:13
  Speaker 1: land of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it. She's on the Money. She's on
• 0:36
  Speaker 2: the Money. Hello, and welcome to She's on the Money,
• 0:59
  Speaker 2: the podcast that makes personal finance fun, especially on Fridays.
• 1:03
  Speaker 2: It's our favorite day of the week because we get
• 1:05
  Speaker 2: the team together and we get to celebrate you, our
• 1:08
  Speaker 2: incredible She's on the Money community. Miss Jesse Ricci is
• 1:11
  Speaker 2: here as always to share our favorite money wins from
• 1:14
  Speaker 2: the week that was. Beck is here to share her
• 1:16
  Speaker 2: favorite broke tips, and we're going to be helping to
• 1:18
  Speaker 2: answer money dilemma, which this week is all about protecting
• 1:21
  Speaker 2: yourself from scams, which is very timely as I myself
• 1:26
  Speaker 2: almost fell victim to a scam recently and something that
• 1:29
  Speaker 2: you slid into our teams about. We're chatting about navigating
• 1:33
  Speaker 2: an extended unemployment break, which can be really hard and
• 1:36
  Speaker 2: often unforeseen. So I feel like this episode is going
• 1:39
  Speaker 2: to be really fun and very diverse, from like getting
• 1:42
  Speaker 2: scammed to being unemployed, to talking about money wins and
• 1:45
  Speaker 2: confessions I broke tea. I just feel like there's going
• 1:47
  Speaker 2: to be a lot of juicy stuff in this week.
• 1:50
  Speaker 2: But before we get there, my friends, jess Beck, how
• 1:54
  Speaker 2: are your weeks?
• 1:54
  Speaker 3: Go?
• 1:55
  Speaker 2: First? Please? My week's been good. What have I been doing?
• 1:58
  Speaker 3: Not much planning for I'm throwing outdoor movie night at
• 2:01
  Speaker 3: my house.
• 2:02
  Speaker 2: Oh my god, I've seen it on TikTok on my
• 2:04
  Speaker 2: tax treat to myself.
• 2:05
  Speaker 3: I think I told the potty last year was I
• 2:07
  Speaker 3: bought a projector and I was like, oh, the weather
• 2:09
  Speaker 3: is so nice, like it would be really fun. And
• 2:10
  Speaker 3: then I found this like vintage looking popcorn machine on
• 2:13
  Speaker 3: Facebook marketplace for twenty dollars, I bought.
• 2:15
  Speaker 2: A proper like it looks like one of those it's
• 2:17
  Speaker 2: like mini but like one of the ones that the
• 2:19
  Speaker 2: movies had. That's cool.
• 2:22
  Speaker 3: You know how I feel about movie popcorn an investment,
• 2:25
  Speaker 3: but yeah, I want to make it like a whole
• 2:26
  Speaker 3: big thing, like all themed and cut. See I want
• 2:28
  Speaker 3: to throw like a again. I feel like I've told
• 2:30
  Speaker 3: you guys this by last year.
• 2:32
  Speaker 2: One of my goals.
• 2:32
  Speaker 3: You don't even like events or themes at all. I
• 2:36
  Speaker 3: want to throw a themed dinner every month. Last year
• 2:38
  Speaker 3: and I did not throw a single one good shirt.
• 2:41
  Speaker 3: So I carried it over to this year.
• 2:44
  Speaker 2: That's what I thought.
• 2:45
  Speaker 3: So I'm starting with like Dina movie night, but that
• 2:48
  Speaker 3: is so what.
• 2:49
  Speaker 2: Else is on the menu? We have to know? So
• 2:51
  Speaker 2: we've got the popcorn. Well, this is what I'm trying
• 2:52
  Speaker 2: to figure out.
• 2:53
  Speaker 3: So I wanted to do like vintage diners feel, so
• 2:55
  Speaker 3: I went hot dogs fries, but I'm still trying to think.
• 2:58
  Speaker 2: Of what else.
• 3:01
  Speaker 4: This is actually a really weird time, just because literally
• 3:03
  Speaker 4: tomorrow I'm having a movie thing as well, but with
• 3:06
  Speaker 4: pizza buffet ice cream, like you know how they have
• 3:09
  Speaker 4: the jelly, the brownies, the sprinkles.
• 3:12
  Speaker 2: I'm gonna do all that. That's so fun. So maybe
• 3:15
  Speaker 2: could like you need to get chop tops. I imagine, yes,
• 3:19
  Speaker 2: I think a banana split, like you have to have
• 3:22
  Speaker 2: a just feel like yeah, but like Dina vibes, like
• 3:27
  Speaker 2: a banana split like station so you can like decorate
• 3:30
  Speaker 2: your own. Yes, yes, yes, the station would be I
• 3:32
  Speaker 2: don't even think that would be expensive because you'd like
• 3:34
  Speaker 2: to get some bananas, some tuber Neapolitan ice cream, and
• 3:38
  Speaker 2: then like some sprinkles and chips cream or the spray
• 3:42
  Speaker 2: whipped cream. It has to be the spray definitely. Now,
• 3:45
  Speaker 2: I don't know what your budgets looking you like, but
• 3:46
  Speaker 2: you get a big.
• 3:47
  Speaker 3: Red drape outside something to hang it on.
• 3:51
  Speaker 2: Is the annoying thing? Really good idea that's cute? That
• 3:54
  Speaker 2: was very cute. Milkshakes like spiders Friday milkshakes. You could
• 4:01
  Speaker 2: do like, oh my gosh, could you find I'm just
• 4:04
  Speaker 2: going to take this to the next level. Could you
• 4:05
  Speaker 2: find on Amazon, like the old vintage milkshake glasses. I
• 4:09
  Speaker 2: have a few.
• 4:11
  Speaker 3: Stress Yeah, I have red and white striped straws. Yeah,
• 4:14
  Speaker 3: I bought a little you know what what's gonna sayd
• 4:17
  Speaker 3: like that? I promise, I promise you guys. Not the
• 4:19
  Speaker 3: reject shop. You know we always talk about the regis
• 4:21
  Speaker 3: such good stuff they had, Yeah, they had little like
• 4:25
  Speaker 3: you know, the plastic baskets that they put food in
• 4:27
  Speaker 3: a diners and stuff.
• 4:28
  Speaker 2: Like a little red Yes, oh my gosh, yeah, I
• 4:31
  Speaker 2: think you should.
• 4:32
  Speaker 4: When everyone walks in, give people their ticket and then
• 4:35
  Speaker 4: be like okay, can you line back up, and then
• 4:37
  Speaker 4: be like and you look at it, you rip it and.
• 4:39
  Speaker 2: Say number seven down the hall or whatever. I think
• 4:42
  Speaker 2: you should fully be. You need a commit the whole.
• 4:46
  Speaker 4: Day and everyone's like, oh, just like it's funny, but stuff.
• 4:48
  Speaker 4: Now you're like no, You're gonna like yeah with your
• 4:52
  Speaker 4: flashlight and you're gonna be looking at you know, don't
• 4:56
  Speaker 4: be only friind make sure no one brings in their
• 4:57
  Speaker 4: own snacks.
• 4:58
  Speaker 2: You're gonna be very very strict. Maraschino cherries to go
• 5:01
  Speaker 2: on top of the banana. Oh yes I did. And
• 5:04
  Speaker 2: those wafer straws. Yeah, like the wafer I love a Corinthian.
• 5:13
  Speaker 2: They actually only available at Christmas time. I hope you
• 5:17
  Speaker 2: get usually, I think because I have been known to
• 5:20
  Speaker 2: buy and eat a whole tup by myself. Also, you
• 5:24
  Speaker 2: don't have a cost Co membership, but I know that
• 5:26
  Speaker 2: your friend does. And I'm assuming your friend's going to
• 5:29
  Speaker 2: be invited to the party, so you could ask to
• 5:30
  Speaker 2: borrow it. They have many corn dogs at a cost cot,
• 5:36
  Speaker 2: so you could like do the corn dog thing. And
• 5:37
  Speaker 2: I feel like that's got Imagine a little corn dog
• 5:40
  Speaker 2: and a little like tub of sauce in one of
• 5:43
  Speaker 2: your little baskets. You you know what. I had one
• 5:47
  Speaker 2: and it broke. It's very sad. What are you doing
• 5:50
  Speaker 2: with a bay Marie.
• 5:52
  Speaker 3: I led it to a friend that came back and
• 5:53
  Speaker 3: then I put in my cupboard for months and then
• 5:54
  Speaker 3: I it just disused or something and it just doesn't work.
• 5:57
  Speaker 2: I feel like that's it. Also, could you turn it
• 5:59
  Speaker 2: into a sleepover. Oh, that would be quite cute because
• 6:02
  Speaker 2: you could have a sleep and then in the morning
• 6:03
  Speaker 2: you could do like a diner breakfast, pancakes and stuff.
• 6:10
  Speaker 2: Excited really racking up this the course of this, Yeah,
• 6:12
  Speaker 2: one hundred percent. But like when Jess commits to a theme,
• 6:15
  Speaker 2: Es commits to a theme, Yeah, you'd be a made
• 6:17
  Speaker 2: So you can buy a secondhand to hats hats you
• 6:19
  Speaker 2: need the little paper diner house. Oh my god, I'm
• 6:22
  Speaker 2: sure you could like fold them out of some newspaper paper. Yeah,
• 6:26
  Speaker 2: but like anyway, we'll move on. Oh yeah, it turns
• 6:29
  Speaker 2: out just is having better week than everybody. So I'm sorry,
• 6:31
  Speaker 2: what movie you watching that? I haven't picked the movie
• 6:34
  Speaker 2: that Smile too. If you haven't watch Smiled one, then
• 6:36
  Speaker 2: more Smile one.
• 6:37
  Speaker 3: Sorry, continue to know these are but I'll put them consideration.
• 6:41
  Speaker 2: I'm very excited. How's your week being? Has it been
• 6:44
  Speaker 2: as good as Corinthians? I don't like, I don't think
• 6:47
  Speaker 2: there's anything as good ass and I'll bring some in soon.
• 6:51
  Speaker 2: I'm going to find.
• 6:51
  Speaker 4: Them, please, I'm obsessed with Corinthians and there really is
• 6:54
  Speaker 4: like a withdrawal period after Christmas. I'm glad that they
• 6:58
  Speaker 4: to know that they sell them b.
• 6:59
  Speaker 3: W that anyway.
• 7:01
  Speaker 2: I don't know if this really not miss spreading innovation.
• 7:05
  Speaker 2: It's very hard months. That's a podcast.
• 7:08
  Speaker 4: It's been really good oding with a friend, but we
• 7:09
  Speaker 4: both came from sharehouses and so we don't have any
• 7:12
  Speaker 4: furniture literally nothing, Like we're like like buying oven trays and.
• 7:15
  Speaker 2: Cutlery to buy.
• 7:17
  Speaker 4: It. It does add up, but just these things and
• 7:19
  Speaker 4: I'm like, I've never thought to buy so I'm like,
• 7:21
  Speaker 4: where do you even get them from?
• 7:23
  Speaker 2: Like I actually don't know where to buy an oven? Trade?
• 7:25
  Speaker 2: Like not all camar?
• 7:27
  Speaker 4: Do you need them to be like because I'm thinking
• 7:29
  Speaker 4: they need to be pre rusted, but they just pre rusted.
• 7:33
  Speaker 2: Do you know what? You could probably go to an
• 7:34
  Speaker 2: op shop and find a lot of these things. Yeah,
• 7:36
  Speaker 2: that's why I feel like people often donate their surplus,
• 7:40
  Speaker 2: so it's not even like, oh, this one's broken off
• 7:43
  Speaker 2: get rid of, Like I feel like there's lots of
• 7:44
  Speaker 2: kitchen stuff. Yeah, I shop, but then also I found
• 7:49
  Speaker 2: that sometimes op shops are getting a bit expensive, so
• 7:52
  Speaker 2: like they maybe they are. Yeah, like maybe have a
• 7:54
  Speaker 2: look at the prices and stuff that came up before
• 7:57
  Speaker 2: you go in to the op shop, because you might go, oh,
• 8:00
  Speaker 2: four bucks for a like ove and trade, that's a
• 8:02
  Speaker 2: really good deal, Like they must be like fifty or
• 8:05
  Speaker 2: something in your head, like maybe you just don't know
• 8:07
  Speaker 2: how to price it, and then they're actually like three
• 8:09
  Speaker 2: dollars that came out or something. You would be a
• 8:10
  Speaker 2: pretty annoyed human being. Oh my god. Totally. I'm really noticed.
• 8:13
  Speaker 2: Even with Marketplace, I'm noticing that people are like twenty
• 8:16
  Speaker 2: dollars for this side table, and then I like, go
• 8:17
  Speaker 2: on k Marts, is fifty dollars a kmart for the
• 8:20
  Speaker 2: same exact ones, you know? But anyway, so it's been vigilance.
• 8:25
  Speaker 2: You could give it slammed, vigilate, subtle foreshadowing.
• 8:29
  Speaker 3: I think we need to hear a bit more about
• 8:31
  Speaker 3: this scam that you almost fell victim to.
• 8:33
  Speaker 2: I hit the jackpot, I did, so I was telling
• 8:37
  Speaker 2: you off air about how obviously I am a finance
• 8:41
  Speaker 2: crime girlie, Like I love crime. I have, you know,
• 8:45
  Speaker 2: pipe dream one day to have my own like crime podcast.
• 8:49
  Speaker 2: Who knows if that'll ever happen, Like that's just a
• 8:51
  Speaker 2: pipe dream. As I said, I listen to true crime everything,
• 8:55
  Speaker 2: So like you best believe your girl knows a fair
• 8:57
  Speaker 2: bit about like skimming devices and how to scare people,
• 9:00
  Speaker 2: because like I fall onto that side of TikTok, and
• 9:03
  Speaker 2: if I'm not on that side of TikTok, I'm probably
• 9:04
  Speaker 2: watching a documentary on it. Like I don't know what
• 9:07
  Speaker 2: is wrong with me or what type of trauma I
• 9:10
  Speaker 2: went through to make me so obsessed with this type
• 9:12
  Speaker 2: of content. So like in the back of my head
• 9:15
  Speaker 2: every time I go to get cash out, I just
• 9:17
  Speaker 2: like have this dream that maybe one day I'll like
• 9:20
  Speaker 2: spot as skimming device or something I did. I did.
• 9:24
  Speaker 2: I did find a skimming device and I ripped it
• 9:27
  Speaker 2: off the ATM and I got the cops involved. It
• 9:30
  Speaker 2: sounds very dramatic.
• 9:31
  Speaker 3: I know.
• 9:32
  Speaker 2: Okay, so what like? So you went? So we went
• 9:35
  Speaker 2: to the ATM. One of my most asked questions on
• 9:38
  Speaker 2: Instagram when I said I found this was like, v
• 9:40
  Speaker 2: why are you getting cash out? I was gonna say, Also,
• 9:43
  Speaker 2: what do you buy a vape or something? Whose business
• 9:45
  Speaker 2: is that? No? I wasn't buying a vape. Everybody who
• 9:49
  Speaker 2: lives where I live knows that the good Fish and
• 9:52
  Speaker 2: Chip Shop is run by Peter, who doesn't take card.
• 9:56
  Speaker 2: He only does cash. Just kidding. Cash is King and
• 9:59
  Speaker 2: Peter live love laugh. I will pay cash, and I
• 10:02
  Speaker 2: will not question your business ethics because you do provide
• 10:06
  Speaker 2: the good chippies. Like in anyone who gives you a
• 10:09
  Speaker 2: good chippy.
• 10:10
  Speaker 4: Do what ever they say, literally whatever they say exactly
• 10:13
  Speaker 4: like you.
• 10:14
  Speaker 2: Know who we love the most at the pub, the
• 10:16
  Speaker 2: person who buys the chippies for the table. Yes, so true.
• 10:20
  Speaker 2: So anyone with a good chippiees no question, no questions,
• 10:23
  Speaker 2: no questions. That's why I was getting cash out. For
• 10:25
  Speaker 2: those of you who are pervy. But I'm at the ATM,
• 10:27
  Speaker 2: I'm in my bikini, I'm looking at the ATM suspiciously,
• 10:31
  Speaker 2: as they always do, because I kind of want to
• 10:33
  Speaker 2: manifest finding a scamming device because it would be peak
• 10:37
  Speaker 2: life for me. And the plastic around the keypad looks suspicious.
• 10:41
  Speaker 2: It was a little bit raised, and I was like,
• 10:43
  Speaker 2: that doesn't look right, Maybe this is a crap ATM.
• 10:48
  Speaker 2: And then I like look upside down and I'm like, oh,
• 10:50
  Speaker 2: that light looks a little bit like not the plastic
• 10:53
  Speaker 2: around the light didn't look fitted, and I was like,
• 10:56
  Speaker 2: what the hell? And there was enough room in the
• 10:58
  Speaker 2: light well air, you know, the light that shines onto
• 11:01
  Speaker 2: the keypad. Yeah, to stick my finger probably a bad idea,
• 11:04
  Speaker 2: could have been full of spiders. I don't think Jessica
• 11:08
  Speaker 2: would have done it. I think she would have just
• 11:09
  Speaker 2: been like, oh no, absolutely not. But I did. I
• 11:11
  Speaker 2: chucked my finger in there and realized that it was
• 11:14
  Speaker 2: like a little bit loose, like you know when you
• 11:16
  Speaker 2: pull on something and it's like got double sided sticky
• 11:18
  Speaker 2: tape on the other side, so you know it could
• 11:20
  Speaker 2: quote easily come off, but you're not feeling like it's
• 11:25
  Speaker 2: clipped in or anything. You're like getting that like resistance
• 11:28
  Speaker 2: that's like this would come off with a little bit
• 11:30
  Speaker 2: of force. Yeah, So I'm like, I could go to
• 11:33
  Speaker 2: jail for like vandalizing this ATM, or I could achieve
• 11:39
  Speaker 2: a life goal. Yes, so obviously I pulled it off.
• 11:43
  Speaker 2: And I pulled it off, and the split second after
• 11:45
  Speaker 2: it like actually like ripped off, I was like, oh
• 11:48
  Speaker 2: my god, I've actually broken the ATMIC, like the panic
• 11:52
  Speaker 2: of being like, oh, that actually worked, like I didn't
• 11:55
  Speaker 2: mean that. And then I flipped it around and was like,
• 11:58
  Speaker 2: I was right, it was a skimming device, but it's
• 12:01
  Speaker 2: no attached to the plastic. Well, it just looked suspicious
• 12:04
  Speaker 2: back And the more that I stared at it, the
• 12:06
  Speaker 2: more I realized it was not actually like it was
• 12:08
  Speaker 2: sticking a little bit up and like you wouldn't have
• 12:10
  Speaker 2: noticed because it had been custom molded for this ATM machine.
• 12:14
  Speaker 2: But anyway, pull it off and I flip it upside
• 12:16
  Speaker 2: down to look at this piece of giant plastic that
• 12:18
  Speaker 2: I've pulled off. There's Instagram pictures all over my Instagram
• 12:21
  Speaker 2: of this if you want to see. I flip it
• 12:24
  Speaker 2: over and there's two phone batteries hot glued to the
• 12:28
  Speaker 2: back of this plastic piece. There's some wires, an SD card,
• 12:32
  Speaker 2: and some other wires that went to a hidden camera,
• 12:34
  Speaker 2: and I was like, what the heck. I didn't know
• 12:37
  Speaker 2: what to do. Obviously, I ended up working out what
• 12:40
  Speaker 2: to do, pulled it off, took a whole heap of
• 12:41
  Speaker 2: videos of it. At the start, I wasn't even taking
• 12:43
  Speaker 2: videos to post on social media. I was taking videos
• 12:46
  Speaker 2: because I was like, I probably should give this to
• 12:49
  Speaker 2: the police, and I probably should explain how I found
• 12:51
  Speaker 2: it and why I was attempting to vandalize an ATM machine,
• 12:55
  Speaker 2: because what are you going to do walk into the
• 12:56
  Speaker 2: cop shop and be like, hey, policeman, So I actually
• 13:00
  Speaker 2: found something that's helpful for you, but it was because
• 13:02
  Speaker 2: I was vandalizing something I was trying to sell somebody. Yeah, like,
• 13:05
  Speaker 2: but that's not what I was doing anyway. So found
• 13:07
  Speaker 2: that got the police involved. Turns out it is obviously
• 13:10
  Speaker 2: very serious crime. They're very interested in it because these
• 13:14
  Speaker 2: things don't come up as often as I thought they
• 13:16
  Speaker 2: might have. Just you were saying that one was in
• 13:19
  Speaker 2: your area recently, which is literally like.
• 13:21
  Speaker 3: The week before, I got posted in like a local
• 13:23
  Speaker 3: you know, Facebook community group, someone saying they'd found one
• 13:26
  Speaker 3: in like the main strip near me, which I think
• 13:29
  Speaker 3: I think it was from memory, out near a supermarket.
• 13:33
  Speaker 3: Like it wasn't out the front of a bank.
• 13:34
  Speaker 2: It was right, No, so ours was out the front
• 13:36
  Speaker 2: of a supermarket as well. And it was a standalone ATM,
• 13:39
  Speaker 2: not run by one of the banks. Yeah, so like
• 13:41
  Speaker 2: it wasn't bank affiliated. It was like one of those
• 13:44
  Speaker 2: like quick ETM things that charge you exorbitant fees to
• 13:47
  Speaker 2: use it, but it's in a very convenient location. Yeah, yeah,
• 13:50
  Speaker 2: which is so interesting.
• 13:51
  Speaker 3: It's scary because I agree, I feel like you heard
• 13:54
  Speaker 3: a lot about them, but like I've never I've never
• 13:56
  Speaker 3: known anybody or anyone near me or anything to find one,
• 13:59
  Speaker 3: and then all one in me and then you find one,
• 14:01
  Speaker 3: and I'm.
• 14:01
  Speaker 2: Like, whoa, this is crazy. Yeah, because I think a
• 14:04
  Speaker 2: lot of us, like we talk about, you know, how
• 14:06
  Speaker 2: to protect yourself if you're traveling overseas, like we always say,
• 14:08
  Speaker 2: don't use your bank card, like use your travel card
• 14:11
  Speaker 2: and only transfer money to that card because skimming is
• 14:13
  Speaker 2: so popular internationally, you just don't think it would happen
• 14:17
  Speaker 2: on your own doorstep. And like anyway, that was really
• 14:20
  Speaker 2: spicy and good to find. And I mean if you
• 14:22
  Speaker 2: find something on an ATM that looks suspicious. At the
• 14:26
  Speaker 2: end of a day, a ATM has been built to
• 14:29
  Speaker 2: not be broken into. Like it's there, it's full of
• 14:32
  Speaker 2: thousands of dollars. I believe on average an ATM holds
• 14:35
  Speaker 2: about fifteen thousand dollars in rash because obviously every day
• 14:39
  Speaker 2: people come and get fifty dollars out, one hundred dollars out,
• 14:41
  Speaker 2: maybe like five hundred bucks to pay someone. Like, lots
• 14:44
  Speaker 2: of money goes through an ATM on a daily basis,
• 14:46
  Speaker 2: So like, you don't want to make it easy to
• 14:48
  Speaker 2: break into. So if it looks like it could come
• 14:50
  Speaker 2: off an ATM, it's usually a bit of a sign
• 14:52
  Speaker 2: that maybe it shouldn't be there. If the lights look
• 14:54
  Speaker 2: a little bit off, if the keypad looks a little
• 14:57
  Speaker 2: bit off, just be vigilant. There's lots of tiktoks you
• 15:00
  Speaker 2: can look up, have a look at. But yeah, I
• 15:03
  Speaker 2: would be vigilant. Yeah, this is a silly question.
• 15:06
  Speaker 4: But when you were explaining that, I was like, I wonder,
• 15:09
  Speaker 4: I gather that they have the card details from the
• 15:11
  Speaker 4: skimming and then do they make purchases or do they
• 15:14
  Speaker 4: take money out somehow of that.
• 15:15
  Speaker 2: So just a backtrack, because I just realized I hadn't
• 15:18
  Speaker 2: explained it properly, so a skimming device could could be
• 15:22
  Speaker 2: lots of different things. The one I found was a
• 15:25
  Speaker 2: two part so it was the piece of plastic that
• 15:28
  Speaker 2: I found that I pulled off the keypad that had
• 15:31
  Speaker 2: a hidden camera in it that recorded you putting your
• 15:34
  Speaker 2: pin code in to the machine. Okay, the other piece
• 15:37
  Speaker 2: of plastic I was unable to remove. I could see it.
• 15:40
  Speaker 2: I took videos of it. I showed the cops did
• 15:42
  Speaker 2: all of that, and it has since been removed, So
• 15:44
  Speaker 2: don't stress. But they would have quote skimmed your credit
• 15:47
  Speaker 2: card details as you went in and went out. They
• 15:50
  Speaker 2: like capture that magnetic information from the magnetic strip on
• 15:53
  Speaker 2: the back of your ATM card. They then take blank
• 15:57
  Speaker 2: ATM cards and copy over your ATM card to a
• 16:02
  Speaker 2: blank card. They then time match the time that you
• 16:05
  Speaker 2: put your pin code in and watch the video and
• 16:08
  Speaker 2: go oh Beck's pink codes one, two, three, four. They
• 16:10
  Speaker 2: take the blank version of your card to an ATM,
• 16:13
  Speaker 2: pop it in, put your pin code in, and withdraw
• 16:15
  Speaker 2: all your cash. Oh, which is why.
• 16:18
  Speaker 3: And I didn't even realize I still did this until
• 16:20
  Speaker 3: you post about it. But my mum always do and
• 16:23
  Speaker 3: just to have it I picked up, but like having
• 16:24
  Speaker 3: your wallet over like or your hand or something when
• 16:27
  Speaker 3: you type in an ATM. It's literally it's like a
• 16:30
  Speaker 3: reflex for me because it's just something my mum always in.
• 16:33
  Speaker 3: I'm sure she probably told me to do it, but
• 16:34
  Speaker 3: I didn't even think about it until I think you
• 16:36
  Speaker 3: said on your stories, make sure you cover it with
• 16:37
  Speaker 3: your hand or whatever. So just a reminder, cover your
• 16:40
  Speaker 3: hand when you put your pin.
• 16:41
  Speaker 2: And I mean it does stop everything. Like that's not
• 16:44
  Speaker 2: going to stop you being completely scammed, but if it's
• 16:46
  Speaker 2: one of these types of skimmers, they actually need those
• 16:49
  Speaker 2: two pieces of information and you're kind of stopping them.
• 16:52
  Speaker 2: And I think because I found one, you guys might go, oh,
• 16:55
  Speaker 2: you just have to look like they are purpose built
• 16:59
  Speaker 2: for the machines, purpose built to look like a piece
• 17:02
  Speaker 2: of the machine that you wouldn't question. I think mine
• 17:05
  Speaker 2: was lifted. I don't know if I would have seen
• 17:07
  Speaker 2: it if it was perfectly installed, So you're not necessarily
• 17:11
  Speaker 2: going to be able to see it. But yeah, there's
• 17:13
  Speaker 2: a lot of things you could do, so covering your
• 17:15
  Speaker 2: hand with your pin, making sure that you know someone
• 17:17
  Speaker 2: can't see you put that number in, making sure you're
• 17:20
  Speaker 2: not using a dodgy ATM. If there is the option
• 17:22
  Speaker 2: to get cash out at the supermarket or at the bunnings, like,
• 17:25
  Speaker 2: do that instead of getting it out at the ATM,
• 17:28
  Speaker 2: using ATMs that are bank affiliated. So if it's like
• 17:31
  Speaker 2: on the front of the bank, I can almost guarantee
• 17:35
  Speaker 2: that that ATM is checked on a daily basis by
• 17:37
  Speaker 2: the tellers at that bank for skimming devices. But the
• 17:41
  Speaker 2: standalone ATM down at the local shops where you and
• 17:44
  Speaker 2: I often frequent beck, no one's there to check it.
• 17:47
  Speaker 2: It's all on its own. That's why it's usually a
• 17:50
  Speaker 2: bigger target than the bank one which the bank staff
• 17:56
  Speaker 2: are checking consistently. Yeah, so I think staying vigilant also
• 17:59
  Speaker 2: never putting into your ATM the card that has your
• 18:02
  Speaker 2: life savings on it, like having a separate bank card
• 18:05
  Speaker 2: that you know, you keep maybe a couple of dollars
• 18:08
  Speaker 2: on so that when you need to get cash out
• 18:09
  Speaker 2: you just transfer it over, is gonna essentially safeguard your
• 18:14
  Speaker 2: life savings. And it doesn't mean that you absolutely have
• 18:18
  Speaker 2: to do these things and you know, be worried about
• 18:20
  Speaker 2: absolutely everything, but at the end of the day, could
• 18:23
  Speaker 2: have protected a lot of people that had their financial
• 18:26
  Speaker 2: information skimmed the day that I found that device, and
• 18:29
  Speaker 2: from what the cops said, they've obviously reviewed all of that,
• 18:32
  Speaker 2: and I was like, I've been a little bit pervy,
• 18:34
  Speaker 2: and thankfully they've been forgiving and like kept me in
• 18:37
  Speaker 2: the loop. About two hundred people went to that ATM
• 18:40
  Speaker 2: on the day that I found it. That's crazy, isn't
• 18:43
  Speaker 2: that insane? Yeah? And like right as I had to
• 18:46
  Speaker 2: like queue up to use the ATM, there was like
• 18:48
  Speaker 2: an older guy who got his cash out and went inside.
• 18:51
  Speaker 2: Not the wiser, stop my heart, But he didn't get scammed.
• 18:54
  Speaker 2: He's all good. But like he like got his cash
• 18:56
  Speaker 2: out and went inside, he did not have any clue
• 19:00
  Speaker 2: that someone had literally just stolen his bank information. Did
• 19:03
  Speaker 2: you find him? No, not the do. I didn't need
• 19:05
  Speaker 2: to find him because I pulled out the skimmer and
• 19:07
  Speaker 2: it had the SD card and all the information, and
• 19:09
  Speaker 2: I gave it to the cops. So now there's crims.
• 19:12
  Speaker 2: Like the criminals aren't going to get that old man's details,
• 19:14
  Speaker 2: and like they're not going to be able to take
• 19:16
  Speaker 2: his money out. But like had I not found that,
• 19:18
  Speaker 2: And later that evening they had returned to the ATM
• 19:21
  Speaker 2: taking their skimmer device, taken it home. They absolutely would
• 19:24
  Speaker 2: have taken his cash. Y. Isn't that insane?
• 19:27
  Speaker 1: I know?
• 19:28
  Speaker 2: It actually makes me so and that's I guess why
• 19:30
  Speaker 2: I've been posting about it. It makes me so angry. How
• 19:33
  Speaker 2: does anyone do that makes me feel like sickly to
• 19:35
  Speaker 2: be in the middle of a class of living crisis,
• 19:37
  Speaker 2: And like, you know, I dodn't want to get too
• 19:39
  Speaker 2: deep into it, but I have not been sleeping over this,
• 19:41
  Speaker 2: not because I'm stressed about I just can't stop thinking
• 19:44
  Speaker 2: about it. Even the location that it was in, like,
• 19:48
  Speaker 2: wasn't in a high net wealth suburb, Like lots of
• 19:51
  Speaker 2: people that go to the ATM where we were are
• 19:53
  Speaker 2: just average mums and dads. There's a lot of people
• 19:56
  Speaker 2: in that area who are on Centerlink. There are a
• 19:58
  Speaker 2: lot of people in that area who would be living
• 20:02
  Speaker 2: paycheck to paycheck, and I'm just like they would have
• 20:05
  Speaker 2: been absolutely dreamed. Like it makes me so angry, Like
• 20:10
  Speaker 2: and I was lucky. I was just getting some fish
• 20:12
  Speaker 2: and chips cash out.
• 20:13
  Speaker 3: But the idea be vigilant everybody, Yes, as aware as
• 20:19
  Speaker 3: you can. It's not to put it on people, but
• 20:22
  Speaker 3: when there's horrible people out there, Like, we've got to
• 20:24
  Speaker 3: do the best we can, right.
• 20:25
  Speaker 2: And if you're suspicious on it, there's often numbers on
• 20:28
  Speaker 2: the ATM that you can call, so you could call
• 20:30
  Speaker 2: the company and like, see something, say something. Yeah, Like
• 20:35
  Speaker 2: I'd prefer you to have called someone and wasted their
• 20:37
  Speaker 2: time then finding out a Facebook group like jes did.
• 20:41
  Speaker 2: Oh there was a skimmer on this ATM. Like if
• 20:44
  Speaker 2: you see something, say something, even if you're just suspicious
• 20:47
  Speaker 2: and you call the company and go, I don't know,
• 20:48
  Speaker 2: but there's something real suss about your ATM machine at
• 20:51
  Speaker 2: the moment. Not a professional, I'm a nurse, but if
• 20:54
  Speaker 2: you could just check, that would be great. They're probably
• 20:56
  Speaker 2: going to thank you because ultimately that's their responsibility and
• 21:00
  Speaker 2: a lot of the time, if you have been scammed,
• 21:02
  Speaker 2: the ATM company might have to pay you back. Yes, true, true. Anyway,
• 21:06
  Speaker 2: let's move on because I can talk about scams literally,
• 21:08
  Speaker 2: and I'm going to do a whole episode on it soon.
• 21:10
  Speaker 2: I think it so excited. Beck is coming is coming.
• 21:13
  Speaker 2: But before we get there, and we also dive into
• 21:15
  Speaker 2: our money wins. Do you want a five star review
• 21:18
  Speaker 2: from the community please? Okay, this one is from Alexis.
• 21:23
  Speaker 2: Alexis says five star review, Thank you. Alexis Becksayed is
• 21:29
  Speaker 2: the unsung hero of this podcast purely for human reasons.
• 21:39
  Speaker 2: I literally just enjoyed listening to her sprinkling of personal
• 21:42
  Speaker 2: experiences and stories, where the undertone is always valuing relationships, connection,
• 21:47
  Speaker 2: enjoying life, bringing light to other people's lives, and resilience.
• 21:51
  Speaker 2: She makes all of the other finance and money stuff
• 21:53
  Speaker 2: softer and grounds it in a perspective that feels warm.
• 21:57
  Speaker 2: I love you all, of course, though that I remember
• 22:00
  Speaker 2: the day it was not it was only a few
• 22:02
  Speaker 2: days ago. Just just sent me this.
• 22:05
  Speaker 4: Because it was just like such a beautiful and I
• 22:07
  Speaker 4: sent it to every single person I know, and I
• 22:09
  Speaker 4: was like, I need to find Alexis.
• 22:10
  Speaker 2: I want I want Alexis to be in my life.
• 22:12
  Speaker 2: This like completely rolled me in the best way, Like
• 22:16
  Speaker 2: it isn't it the best, the best thing I've but
• 22:18
  Speaker 2: like anyone's ever said to me, And do you know
• 22:20
  Speaker 2: what about me? Somebody has managed to put into words
• 22:24
  Speaker 2: exactly how I feel about it totally. It's also true,
• 22:28
  Speaker 2: so true. Oh my gosh, this is actually exactly what
• 22:32
  Speaker 2: you do.
• 22:33
  Speaker 4: Oh my god, that is so mind blowingly nice, Like
• 22:37
  Speaker 4: I feel so so warm right now.
• 22:39
  Speaker 2: I think the five star reviews just like the beck
• 22:43
  Speaker 2: fan clubs. So just like, if you haven't left us
• 22:45
  Speaker 2: a five star review, or you haven't left us, like,
• 22:48
  Speaker 2: go on to Apple and you can leave a message
• 22:51
  Speaker 2: for the Bech fan club. I'll get us. I'll make
• 22:53
  Speaker 2: us a T shirt, a.
• 22:55
  Speaker 4: T shirt, just even if it's just a Lexus And
• 22:58
  Speaker 4: and honestly, and this is what I said to friends
• 23:00
  Speaker 4: when I sent it to them. I was like, if
• 23:02
  Speaker 4: these are the last words I ever read, that would
• 23:05
  Speaker 4: be fine, that would be more than enough.
• 23:08
  Speaker 2: Oh my gosh.
• 23:10
  Speaker 4: If I were to perish, or if I were to
• 23:12
  Speaker 4: like just be lost in the bush for the rest
• 23:13
  Speaker 4: of my life, and those are my last.
• 23:15
  Speaker 2: Yeah, perfect, We're calling Alexis phone. It's about to run
• 23:19
  Speaker 2: out of boundery. Beck Is calling Alexis.
• 23:23
  Speaker 4: Alexis is the last ones I'm calling.
• 23:26
  Speaker 2: I thank you, Alexis. Yes, let's move into the rest
• 23:31
  Speaker 2: of the community, your money, wins and confessions. If they
• 23:34
  Speaker 2: got to share this week, all right.
• 23:35
  Speaker 3: I sure? But sweet one firstly from Jordan, who said
• 23:37
  Speaker 3: I paid off my Carlogne nine months early. Oh my god,
• 23:41
  Speaker 3: well done, Jordan, it's actually incredible. Next, I've got money
• 23:45
  Speaker 3: in from April, who sins you're on the same kind
• 23:47
  Speaker 3: of vibe as asked with the op shopping, she said,
• 23:48
  Speaker 3: money and environmental win. I've decided that I'm in at
• 23:52
  Speaker 3: my gift basket making erar. I'm using fines from Facebook,
• 23:55
  Speaker 3: Marketplace and the op Shop. There's heaps of unwanted Christmas
• 23:58
  Speaker 3: presents there at the moment, that's true, and she's collecting
• 24:01
  Speaker 3: them up and putting them aside and using these gifts.
• 24:03
  Speaker 3: She put a really cute little photo of anyone's thread.
• 24:06
  Speaker 3: But she's got baskets that I'm thinking maybe she's also thrusted.
• 24:10
  Speaker 2: Those are so cute.
• 24:11
  Speaker 3: Super cuteness, Like there's one there that's obviously for a kid,
• 24:14
  Speaker 3: because there's book and some toys and things. There's one
• 24:16
  Speaker 3: with maybe housewarming stuff. I just think it's such a
• 24:19
  Speaker 3: good idea, give things a second line door. Next, I've
• 24:22
  Speaker 3: got a money win from Alicia, who said it was
• 24:25
  Speaker 3: her son's third birthday on the weekend and they decided
• 24:28
  Speaker 3: to get an ice cream cake. Love Wendyes do ice
• 24:31
  Speaker 3: cream cakes that start at eighty dollars Peter's original the
• 24:35
  Speaker 3: classic from Woolies eighty dollars, yeah.
• 24:37
  Speaker 2: Crazy and ice cream Like, I'm not undervaluing the energy
• 24:42
  Speaker 2: and effort and stuff. I'm shocked for a lot of money, definitely.
• 24:45
  Speaker 3: Well, instead, they opted for a Peter's original from Wooli's
• 24:48
  Speaker 3: fourteen dollars gorgeous. They had to get too because the
• 24:51
  Speaker 3: grown ups also want an ice cream cake. She said,
• 24:53
  Speaker 3: it's not really instagram worthy, but it is a money
• 24:55
  Speaker 3: win that Peter's ice cream cake is my baby type
• 24:59
  Speaker 3: of cake. It's so I know there's a lot of
• 25:01
  Speaker 3: debate Fredo or Peter's.
• 25:02
  Speaker 2: I don't hate the Freddo's, but you got to go.
• 25:07
  Speaker 2: I like Peter's a little bit more. You got to gog.
• 25:08
  Speaker 3: I hope your son had a good birthday. I think
• 25:10
  Speaker 3: that's such a good gift. Next, I've got a money
• 25:13
  Speaker 3: win from Chelsea who said I wanted to buy a
• 25:16
  Speaker 3: desk calendar to put in my bills and expenses to
• 25:19
  Speaker 3: keep track of it over the year, but she ended
• 25:21
  Speaker 3: up making one during work time on Canva using work supplies.
• 25:25
  Speaker 2: Great, just starting not your business. Triple money win.
• 25:31
  Speaker 3: Well done, Chelsea. And then lastly this week I have
• 25:34
  Speaker 3: one from Sky who said money win our family of
• 25:37
  Speaker 3: four spent three weeks in a beautiful home in another state, completely.
• 25:41
  Speaker 2: Free of charge.
• 25:42
  Speaker 3: Great We looked after altpackers, chickens, a dog, and a
• 25:46
  Speaker 3: cat during our stay. Housitting is such a great way
• 25:49
  Speaker 3: to explore new places without the cost of accommodation. The
• 25:52
  Speaker 3: kids loved it, and the experience was far more engaging
• 25:55
  Speaker 3: and fun when compared staying in an expensive hotel. And
• 25:58
  Speaker 3: she put a really cute photo of her I'm assuming
• 26:01
  Speaker 3: her daughter feeding an out packer.
• 26:03
  Speaker 2: I'm sorry, that's so cute. It looks like a tiny
• 26:06
  Speaker 2: baby out package. It looks like a little farm. It
• 26:09
  Speaker 2: looks like a dream. Sorgeous. Good a little tip for everybody.
• 26:12
  Speaker 2: I love that so much. That was a good little
• 26:14
  Speaker 2: wrap up, jess Beck. Yes, it is your turn. What
• 26:18
  Speaker 2: broke tips you're bring into the table this week? Okay, So,
• 26:22
  Speaker 2: because I've moved, I'm probably gonna have like a lot.
• 26:24
  Speaker 2: I'm won't use them all today, but I'm gonna have
• 26:26
  Speaker 2: a lot of broke tips coming in out of the now.
• 26:30
  Speaker 4: This one comes from Maddie who says, and this is
• 26:34
  Speaker 4: very interesting one and one I will be using this year.
• 26:36
  Speaker 4: So energy companies will often offer sign up credits to
• 26:40
  Speaker 4: new and moving customers. Every couple of months. Maddie moves
• 26:43
  Speaker 4: companies based on whoever has the best offer at the time,
• 26:46
  Speaker 4: and that's like.
• 26:47
  Speaker 2: You don't have to move. You don't have to actually move.
• 26:49
  Speaker 4: You just like just do a little shop around and
• 26:51
  Speaker 4: see if you know, new customers get one thousand dollars
• 26:54
  Speaker 4: off or something. I'm sure that does not exist, but.
• 26:56
  Speaker 3: Sometimes they do, Like you get free like I saw one,
• 26:59
  Speaker 3: so I was like, you get six months free binge
• 27:01
  Speaker 3: access or something, which is cool if you actually do,
• 27:04
  Speaker 3: then you don't have to pay for streaming services or
• 27:06
  Speaker 3: something like that.
• 27:07
  Speaker 2: Excittly only valuable if you actually needed that item, Yes, exactly,
• 27:11
  Speaker 2: Like if you're like, oh, sign up because I would
• 27:13
  Speaker 2: love six months of free binge access, but I've never
• 27:15
  Speaker 2: actually used binge all night. I don't even want teaving
• 27:18
  Speaker 2: on there. That is not a good deal.
• 27:20
  Speaker 3: Yeah.
• 27:20
  Speaker 2: Absolutely.
• 27:21
  Speaker 4: This section comes from Emma, who says I've been using
• 27:24
  Speaker 4: the Pass app to pay for things at my local
• 27:26
  Speaker 4: pub that I go to for dinner. You get points
• 27:28
  Speaker 4: every time you buy something, which ends up being around
• 27:30
  Speaker 4: ten percent back in credit to use at any of
• 27:33
  Speaker 4: the venues in the app. We've been saving them up
• 27:35
  Speaker 4: and now we have enough for free dinner and drinks
• 27:37
  Speaker 4: for our family of four. They also, I know, how
• 27:39
  Speaker 4: good is that they also give away bonus credit sometimes
• 27:42
  Speaker 4: and they have drink specials each month. This month the
• 27:44
  Speaker 4: beer we drink is discounted through the app, so we're
• 27:47
  Speaker 4: saving eight dollars on each round for me and my houseband.
• 27:50
  Speaker 2: That's such a good deal. I've never even money. And
• 27:54
  Speaker 2: there's over two hundred venues on there around Australia. Apparently incredible,
• 27:57
  Speaker 2: ka very nice. So that's the wrap from the community.
• 28:01
  Speaker 2: It's wrap from the community that past that I've never
• 28:03
  Speaker 2: heard of that I'm going to look it up now
• 28:06
  Speaker 2: and I brake tip.
• 28:08
  Speaker 4: I feel like it might always a little bit of
• 28:09
  Speaker 4: common knowledge. But anyway, so you know, knowledge is not
• 28:12
  Speaker 4: that common back.
• 28:12
  Speaker 2: Well, no, that's very true. Like sharing is important. That's
• 28:15
  Speaker 2: so true.
• 28:16
  Speaker 4: So recently I've been like on a real video, I
• 28:19
  Speaker 4: think we're kind of similar, Like you know, when you're like,
• 28:21
  Speaker 4: as you're saying with the scam thing, like it's all
• 28:22
  Speaker 4: you're thinking about, Like right now when I'm focused on
• 28:25
  Speaker 4: something like that is consuming my world right now.
• 28:26
  Speaker 2: It's because adhd thing diagnosing her she has an official youth.
• 28:35
  Speaker 2: We're not just making it up. That is so interesting.
• 28:38
  Speaker 4: I never, I never like put the two together until
• 28:40
  Speaker 4: it like you know, well, you just you just.
• 28:42
  Speaker 2: Tell me enough to remind you that most of the
• 28:44
  Speaker 2: things that you think are part of your personality are
• 28:46
  Speaker 2: actually ADHD and it becomes quite depressing. It's called hyperfixation. Iye,
• 28:50
  Speaker 2: a fixation like the current what is it? Tell me
• 28:54
  Speaker 2: share currently? It's lamps and in particular.
• 28:57
  Speaker 4: Yeah, I really like I'm looking for a particular a
• 29:00
  Speaker 4: vibe and style, So lighting wise, I would I really
• 29:03
  Speaker 4: want like a dark red or orange room. I know
• 29:06
  Speaker 4: if you've been a pitt of pippot in Fitzroid's I
• 29:08
  Speaker 4: had and night time, I see the moment.
• 29:11
  Speaker 2: I yes, yeah, you can do that with like just
• 29:14
  Speaker 2: a light globe. Yes.
• 29:15
  Speaker 4: Well, but this is the thing is that I already
• 29:16
  Speaker 4: had the light globes and I literally just painted them orange.
• 29:19
  Speaker 2: And I think you have to be careful to make
• 29:20
  Speaker 2: sure they eat resistant. Oh yeah, do you know what?
• 29:24
  Speaker 2: I actually follow it back on Instagram. It is a
• 29:26
  Speaker 2: very weird concept, but Beck does share everything she gets up.
• 29:30
  Speaker 4: To a story to me and thank you for remembering.
• 29:33
  Speaker 4: So that's one way to save money. But no, the
• 29:35
  Speaker 4: main thing was that I have you guys sort of dentist,
• 29:37
  Speaker 4: did it? They have those beautiful orange mushroom lamps, and
• 29:39
  Speaker 4: they also have all these gorgeous lamps that I've always
• 29:42
  Speaker 4: been like, oh, one day, one day, one day when
• 29:44
  Speaker 4: I'm rich enough. I'm never rich enough, and so this
• 29:46
  Speaker 4: time I was like, I've got a new house me
• 29:48
  Speaker 4: or buy myself something nice beautiful. Denis did a lamp
• 29:51
  Speaker 4: that looked exactly like what I wanted, but I didn't
• 29:53
  Speaker 4: have one hundred fet dollars to spend what that is
• 29:55
  Speaker 4: expensive for a lamp exactly, So I went to kmart
• 29:58
  Speaker 4: and got like a very similar look base yeah, and
• 30:01
  Speaker 4: just painted at orange with a three dollars acrylic paint,
• 30:04
  Speaker 4: so it was thirteen dollars instead of hundred fifty dollars.
• 30:06
  Speaker 4: You weren't painting the globe, you We're just painting the lamp,
• 30:09
  Speaker 4: checking the globe. Yeah, but like we don't endorse that.
• 30:11
  Speaker 4: But we don't endorse that because you must make sure
• 30:13
  Speaker 4: it's heat resistant paint and something else. Just google it first,
• 30:16
  Speaker 4: I would say.
• 30:17
  Speaker 2: But like you did a diy to achieve the same outcome. Yes,
• 30:21
  Speaker 2: exactly proud of you. Thank you so much. That's so exciting.
• 30:23
  Speaker 2: Thank you.
• 30:24
  Speaker 4: So I would recommend googling identical or like similarish kind
• 30:28
  Speaker 4: of things if you if you know something, google reverse
• 30:32
  Speaker 4: image search.
• 30:33
  Speaker 2: Yes, if you take a screenshot of something and you've
• 30:35
  Speaker 2: got the Google app on your phone, not just going
• 30:37
  Speaker 2: to Google. I find they don't have that. But like
• 30:39
  Speaker 2: the Google app, you can literally search by image and
• 30:42
  Speaker 2: it will often come up with similar looking things that
• 30:45
  Speaker 2: might be much chickier exactly exact.
• 30:48
  Speaker 1: Love that.
• 30:49
  Speaker 2: Yes, what a good tip. But I feel like you've
• 30:52
  Speaker 2: you've got a really good round up this week back,
• 30:54
  Speaker 2: Thank you, thank you much. An Alexis stroke. Your ego
• 30:58
  Speaker 2: actually still high, like and like my legs are taking
• 31:01
  Speaker 2: next week. I love this for us. Let's go to
• 31:03
  Speaker 2: a really quick break on the flip side. I cannot
• 31:05
  Speaker 2: wait to dive into protecting yourself from scams and also
• 31:09
  Speaker 2: something you've slid into our DMS about. We're chatting about
• 31:11
  Speaker 2: navigating an extended unemployment break, so guys don't go anywhere.
• 31:20
  Speaker 3: Welcome back, everybody. Let's take a listen to this week's
• 31:22
  Speaker 3: money dilemma.
• 31:25
  Speaker 2: Hi, there, have you got a money dilemma? You just
• 31:27
  Speaker 2: can't solve the Sheese on the Money team is here
• 31:30
  Speaker 2: to help. Every week, we tackle your dilemmas, both big
• 31:33
  Speaker 2: and small, to answer your most burning money, career and
• 31:36
  Speaker 2: life questions. To get involved, simply head to our website
• 31:39
  Speaker 2: and leave us a short voice recording and you might
• 31:41
  Speaker 2: just find yourself on the show. Now, let's take a
• 31:44
  Speaker 2: listen to this week's money dilemma.
• 31:49
  Speaker 5: High Seas on the Money. I have noticed at my
• 31:52
  Speaker 5: work an increasing number of people, especially younger people, falling
• 31:58
  Speaker 5: for really not very nice scams. There's been a really
• 32:02
  Speaker 5: big influx in them, and a lot of them the
• 32:05
  Speaker 5: bank can't get their money back for different reasons. I
• 32:09
  Speaker 5: thought it would be awesome if you and the team
• 32:11
  Speaker 5: could maybe have a chat about scams and what to
• 32:13
  Speaker 5: kind of look out for, because it seems to be
• 32:16
  Speaker 5: on the rise and these people are absolutely horrible and
• 32:20
  Speaker 5: I want them to stop, but I can't. So we've
• 32:22
  Speaker 5: got to get everyone all that She's on the Money
• 32:24
  Speaker 5: guys to know what to do. Thank you.
• 32:27
  Speaker 2: It's really sweet that she thinks we'll know what to do.
• 32:30
  Speaker 2: It is a good question. This happened like a couple
• 32:32
  Speaker 2: of weeks ago, where people just kept someone just kept
• 32:34
  Speaker 2: signing into my Facebook and my Outlook accounts and then stop,
• 32:38
  Speaker 2: what yes, fifty dollars from you.
• 32:42
  Speaker 4: I got it back eventually, but I was like, well
• 32:44
  Speaker 4: that's it for me. I literally can't exist anymore. Tip
• 32:46
  Speaker 4: Number one for everybody. Two factor authentication on literally everything.
• 32:52
  Speaker 4: Almost everything these days does have it. You're banking app
• 32:54
  Speaker 4: to all of your social media, your emails. You might go, well,
• 32:57
  Speaker 4: how am I getting scammed from my emails? Well, have
• 33:00
  Speaker 4: to my boyfriend. They go into your emails and then
• 33:02
  Speaker 4: they find like if you've paid for something, they'll then
• 33:06
  Speaker 4: contact the company or they'll find a way to reverse it.
• 33:09
  Speaker 4: Because he had the same thing happened. He had his
• 33:11
  Speaker 4: identity stolen.
• 33:12
  Speaker 2: Basically, we've had something happen recently to someone we know
• 33:17
  Speaker 2: and it has been heartbreaking to watch, like genuinely absolutely cooked,
• 33:24
  Speaker 2: same thing happened. They somehow must have clicked a phishing
• 33:28
  Speaker 2: email which allowed them to get into their emails and
• 33:32
  Speaker 2: see what they were going on, and they started sending
• 33:35
  Speaker 2: fake emails that felt like real emails because they'd reviewed
• 33:38
  Speaker 2: the previous stuff, and they ended up transferring a lot
• 33:41
  Speaker 2: of money to somewhere. It has now been lost to
• 33:45
  Speaker 2: It's so sad. It's horrific.
• 33:46
  Speaker 3: So yeah, almost every platform you can think of you
• 33:49
  Speaker 3: can switch to factor authentication onto.
• 33:52
  Speaker 2: These days, I think it's bare minimum two factor authentication
• 33:56
  Speaker 2: or nothing. Yeah, it was so annoying and now it is.
• 34:00
  Speaker 2: It is, but like, you know what's more annoying not
• 34:02
  Speaker 2: having the money that you saved. Yeah.
• 34:04
  Speaker 3: I got an email that's like, oh, someone tried to
• 34:06
  Speaker 3: look into you account, like if it was you, Bubba,
• 34:08
  Speaker 3: and I like went to an outlook. You can go
• 34:10
  Speaker 3: and it will show you every attempted log in.
• 34:12
  Speaker 2: Yes, and there was thousands, like someone in some country
• 34:17
  Speaker 2: trying but they can't because it's like my Gmail account. Yeah, crazy,
• 34:22
  Speaker 2: your outlook. It was my outlook. I'm like, God, it's
• 34:24
  Speaker 2: so weird.
• 34:24
  Speaker 3: And it's like they must have some machine or something
• 34:26
  Speaker 3: because it's like every two minutes for two weeks straight
• 34:29
  Speaker 3: or something and it's not working because I have the
• 34:31
  Speaker 3: two factor on. So everyone right now poured the episode.
• 34:34
  Speaker 3: Go turn it on for everything, even things you think
• 34:36
  Speaker 3: you shouldn't. Your PayPal, your bank, your Instagram.
• 34:39
  Speaker 2: Your social media. And we've all had a friend that
• 34:41
  Speaker 2: starts posting weird cryptocurrency stories scam like and also exactly.
• 34:48
  Speaker 4: I literally sent my best friend Live every single one
• 34:52
  Speaker 4: of my card details in one of our chats because
• 34:55
  Speaker 4: she was like, oh, can I use this for whatever subscription?
• 34:58
  Speaker 4: And I was like, yeah, try this, trade this, trade this,
• 35:00
  Speaker 4: then every single detail and then they look into my
• 35:02
  Speaker 4: Facebook and so maybe that's how the three dollars got someone.
• 35:05
  Speaker 4: But this is another one that I want to mention
• 35:07
  Speaker 4: because it kind of scared me. And I might have
• 35:09
  Speaker 4: mentioned it before, but I keep getting emails in my
• 35:12
  Speaker 4: junk but one ended up in my regular inbox. I
• 35:15
  Speaker 4: was like, hey, Rebecca syed date of birth. We have
• 35:19
  Speaker 4: been watching your Internet history, Yes we have. And then
• 35:22
  Speaker 4: so I just want everyone to know that's not real
• 35:25
  Speaker 4: Hunter money.
• 35:27
  Speaker 2: And and I don't know if someone emailed me and
• 35:31
  Speaker 2: said Victoria to buy and we have your nudes, will
• 35:33
  Speaker 2: post them or you have to pay us post them?
• 35:38
  Speaker 2: Yeah I know, I'm like, post that's fun.
• 35:40
  Speaker 3: Day.
• 35:40
  Speaker 2: Yeah, day it looks worse on you. Yeah, Like that's
• 35:44
  Speaker 2: probably not a very good photo. I've never taken nudes,
• 35:46
  Speaker 2: and it's because I'm too conservative and scared that something
• 35:49
  Speaker 2: would happen.
• 35:50
  Speaker 3: But like, it's sad that we live in a world
• 35:52
  Speaker 3: where we have to think consider that the front to
• 35:55
  Speaker 3: prevent other people's evil.
• 35:58
  Speaker 2: So in terms of resources though, so ScamWatch dot gov,
• 36:01
  Speaker 2: dot au is a fantastic location. In twenty twenty five,
• 36:05
  Speaker 2: scams are looking more and more believable, like they're able
• 36:09
  Speaker 2: to you know, there are even scams that exist where
• 36:12
  Speaker 2: they might go to your social media, collect all of
• 36:13
  Speaker 2: your personal information, work out your partner's name, and then
• 36:16
  Speaker 2: email both of you like it is insane. So we
• 36:19
  Speaker 2: are always checking any financial institution, so your bank, your
• 36:25
  Speaker 2: mortgage broker, your solicitor, anyone that is in the financial
• 36:30
  Speaker 2: services industry, a real estate agent. They will never ever,
• 36:34
  Speaker 2: ever ever email you asking for bank details. It does
• 36:38
  Speaker 2: not happen in our industry. So I would never email client.
• 36:41
  Speaker 2: I don't even care if they're settling on their house
• 36:43
  Speaker 2: tomorrow and they're not answering their phone. I will never
• 36:46
  Speaker 2: give a BSB an account number in writing. It just
• 36:50
  Speaker 2: doesn't happen. We call our clients, we crosscheck it, we
• 36:53
  Speaker 2: are I can see it on my screen, but I'd
• 36:55
  Speaker 2: never put it into an email form because I don't
• 36:58
  Speaker 2: know what's going to happen. I know what my ccurity
• 37:00
  Speaker 2: looks like, but I don't know what your security looks
• 37:02
  Speaker 2: like Beck, I'm not going to email it and then
• 37:03
  Speaker 2: have that be scammed. I'm not going to have that
• 37:06
  Speaker 2: be intercepted, which can happen. And a scammer put their
• 37:10
  Speaker 2: bsb inn account number into an email that looks like
• 37:13
  Speaker 2: it's from me. I would never email you financial information,
• 37:17
  Speaker 2: and nobody else who's legitimate would either. So if you
• 37:21
  Speaker 2: see that red flag, do pay attention to your Gmail
• 37:26
  Speaker 2: notifications as well, so like at the top of your email,
• 37:29
  Speaker 2: it might have like a little orange banner that says
• 37:31
  Speaker 2: this looks like a phishing email. Believe them. If your
• 37:35
  Speaker 2: bank calls you and says, hey, like, there's a weird
• 37:38
  Speaker 2: transaction Jess, and you go, no, no, no, I was
• 37:41
  Speaker 2: just transferring money to my friend. Usually that's because they've
• 37:45
  Speaker 2: picked up that there's something dodgy with the bsb in
• 37:47
  Speaker 2: account number, but they can't tell you that. They have
• 37:49
  Speaker 2: to go, oh, did you mean to do that? Like
• 37:51
  Speaker 2: did you triple check? Because I mean you might be
• 37:53
  Speaker 2: friends with the scammer? Right, go back check, triple check
• 37:57
  Speaker 2: with your friend, cancel the transaction. What's the word. Thing
• 38:00
  Speaker 2: that can happen? You have to go and just redo
• 38:02
  Speaker 2: the transaction. Oh sorry, bank, like I did actually have
• 38:05
  Speaker 2: it right the first time. I'd prefer you to do
• 38:07
  Speaker 2: that than not, like it might be a little bit
• 38:10
  Speaker 2: more of a waste of time, But at the end
• 38:12
  Speaker 2: of the day, scamming is definitely on the rise, and
• 38:17
  Speaker 2: I don't know, just stop. Never give out your personal information.
• 38:21
  Speaker 2: Nobody is ever gonna ask for that. Banks. You guys
• 38:25
  Speaker 2: should know that your bank would never call and be like, Hi,
• 38:28
  Speaker 2: is that Jessica, Oh yeah, yeah, yeah it is Jessica. Hi,
• 38:32
  Speaker 2: sorry Jessica. To continue this conversation, we need your like
• 38:35
  Speaker 2: your birth to Haiti and your account number. They're never
• 38:38
  Speaker 2: going to call you and ask for that personal information.
• 38:41
  Speaker 2: They might ask you, oh, hey, jess what's your You've
• 38:43
  Speaker 2: called us. But also you know what you can do.
• 38:47
  Speaker 2: You can say, hey, thanks so much, bank man, would
• 38:49
  Speaker 2: love to continue this conversation. Feels very legitimate. What's your landline?
• 38:53
  Speaker 2: I'll call you back so that you can guarantee that's
• 38:56
  Speaker 2: not a dodgy phone number. At the end of the day,
• 38:59
  Speaker 2: you need to be consistently checking, like as in, just
• 39:03
  Speaker 2: check yourself, be like could this be fake? Be vigilant,
• 39:06
  Speaker 2: always think everything's a scam. Like me, you might find
• 39:09
  Speaker 2: your ATM is bugged and it would be a fun
• 39:12
  Speaker 2: social media piece of content. And then if you ever
• 39:15
  Speaker 2: feel like you have been scammed, whether you have been
• 39:17
  Speaker 2: or not, contact your bank immediately. The sooner you can
• 39:20
  Speaker 2: intercept that payment, the sooner that you can get on
• 39:23
  Speaker 2: it and the bank is able to pull it back
• 39:25
  Speaker 2: or cancel the transaction, the better because if you leave
• 39:29
  Speaker 2: it a week because you're like, oh, I don't know,
• 39:30
  Speaker 2: let's just see how it goes, it could be gone.
• 39:34
  Speaker 2: It could be gone. So I think that's a laundry list.
• 39:38
  Speaker 2: Three I would love for you just like the more
• 39:41
  Speaker 2: the merrier.
• 39:41
  Speaker 3: Things that I've seen. So things to be vigilant off
• 39:44
  Speaker 3: when you get emails asking always click and look at
• 39:48
  Speaker 3: the email because you know, when you get an email
• 39:50
  Speaker 3: it to say from Jessica Ricky and then if you
• 39:52
  Speaker 3: click it, it will say you got the inmitual email.
• 39:55
  Speaker 3: It's very common for it to stay from I don't know,
• 39:57
  Speaker 3: Bendigo Bank and then you click on it and at
• 40:00
  Speaker 3: from XYZ two three form blah blah blah blah.
• 40:03
  Speaker 2: Then it has like Bendy Go Bank in the username still.
• 40:06
  Speaker 3: And you're like, hold on, yeah, So always look at
• 40:08
  Speaker 3: the actual email links will never come to you from
• 40:11
  Speaker 3: tech via tech from your financial institution, Like they'll never say.
• 40:15
  Speaker 2: I'll click this link to verify your bank details. Yeah,
• 40:18
  Speaker 2: it looks like suspicious activity on your account. Click this
• 40:20
  Speaker 2: link to confirm whether or not it was you. So
• 40:22
  Speaker 2: don't like, always go directly through your banking app, go
• 40:25
  Speaker 2: directly through your banking website. Don't click those links and
• 40:29
  Speaker 2: then the other one. Someone DMB the other.
• 40:31
  Speaker 3: Day and ask me about this. They're like, you do
• 40:32
  Speaker 3: a lot of Facebook marketplace stuff. Can you tell me
• 40:35
  Speaker 3: there's a common thing at the moment where people will
• 40:37
  Speaker 3: ask to pay you via card or direct debit, and
• 40:41
  Speaker 3: then they'll charge back the payment so that the payment
• 40:44
  Speaker 3: then bounces back to them.
• 40:46
  Speaker 2: So rude, How do you stop that?
• 40:48
  Speaker 3: It's really hard to do, Like you, there's not a
• 40:51
  Speaker 3: lot you can do, so like your options are only
• 40:54
  Speaker 3: take cash, although I understand if you're selling a couch
• 40:56
  Speaker 3: like five hundred dollars, you might not want five hundred
• 40:58
  Speaker 3: dollars in cash.
• 41:00
  Speaker 2: I would prefer that then having some random be able
• 41:02
  Speaker 2: to charge back. Yeah, totally.
• 41:04
  Speaker 3: The other thing is look at reviews and stuff. So
• 41:06
  Speaker 3: even a lot of people don't realize this when you
• 41:08
  Speaker 3: sell stuff on Facebook marketplaces, you can rate like the
• 41:10
  Speaker 3: transaction the seller. So even just if you're buying something
• 41:13
  Speaker 3: from someone you know and you want to check that
• 41:15
  Speaker 3: they're not selling fake or that they're not kind of dodgy,
• 41:17
  Speaker 3: just like click on their profile and it will usually
• 41:19
  Speaker 3: list if they've sold stuff before, they'll have a rating.
• 41:22
  Speaker 2: Yeah, and it's also worth just looking at that.
• 41:24
  Speaker 3: It's not a perfect system because selling stuff on marketplace
• 41:27
  Speaker 3: or gum Tree or whatever is you're in it. It's
• 41:29
  Speaker 3: a very personal. There's no system in place to really
• 41:32
  Speaker 3: prevent that. But just again being like super hyper vigilant
• 41:36
  Speaker 3: or a good one is PayPal transacting through PayPal, so
• 41:38
  Speaker 3: say hey, like sorry, not happy to do direct via
• 41:41
  Speaker 3: the bank, but PayPal has really fantastic systems in place
• 41:45
  Speaker 3: to protect buyers and sellers, So you may have to
• 41:48
  Speaker 3: pay a few dollars in transaction fees, but for peace
• 41:51
  Speaker 3: of mind, I think that.
• 41:52
  Speaker 2: That's really worth it. Yeah, yeah, yeah, And I love
• 41:54
  Speaker 2: that regular people are doing this, like the I think
• 41:56
  Speaker 2: so like I think people are selling stuff on Facebook
• 41:58
  Speaker 2: market play or going to buy stuff on Facebook Marketplace
• 42:01
  Speaker 2: and then being like yeah, so sorry, can I just
• 42:03
  Speaker 2: transfer you the cash and then they're trying to charge
• 42:06
  Speaker 2: it back. Really that is so mean, which is awful,
• 42:09
  Speaker 2: But again, I'm so angry about that on everybody.
• 42:13
  Speaker 3: That Yeah, it just seems like and I mean, I
• 42:15
  Speaker 3: know that times are tough and people get desperate, but
• 42:17
  Speaker 3: I think that the moral of the story is you
• 42:19
  Speaker 3: do have to just kind of be a little bit
• 42:21
  Speaker 3: suspicious and a little bit aware and do whatever you
• 42:23
  Speaker 3: can to protect yourself. And sometimes that means taking more steps,
• 42:26
  Speaker 3: but better that than you know, losing three hundred and
• 42:29
  Speaker 3: fifty dollars, right, yeah.
• 42:30
  Speaker 2: Like, and if it's a little bit more life, I mean,
• 42:32
  Speaker 2: I get it, but at the end of the day,
• 42:34
  Speaker 2: it's protecting you. Yeah, that's invaluable. Should we get into
• 42:38
  Speaker 2: the DM we should? Oh my gosh, I want to
• 42:40
  Speaker 2: keep talking about scam. I'm not going to you can
• 42:43
  Speaker 2: do a whole week, okay, okay, okay. I will talk
• 42:45
  Speaker 2: to Emma off air. Emma is our producer for those
• 42:47
  Speaker 2: of you following along at home, and we will do
• 42:49
  Speaker 2: a deep dive into scams, the most common ones. What's
• 42:52
  Speaker 2: going around. Oh, it's going to beat you. Ready, beg,
• 42:55
  Speaker 2: I'm so ready? Okay, are we ready for the DM?
• 42:57
  Speaker 2: Of the week, though, Yes, okay, here's the DM we got. Guys.
• 43:00
  Speaker 2: My partner has been out of work for about nine
• 43:03
  Speaker 2: months and is really struggling to find a new job,
• 43:05
  Speaker 2: not even getting interviews, even though they've been looking in
• 43:08
  Speaker 2: diverse fields and roles. I've held with their resume and
• 43:12
  Speaker 2: everything's in order, and I'm stumped as to why they've
• 43:15
  Speaker 2: been given no job offers and only one interview this
• 43:19
  Speaker 2: whole time. I know communication is key, and I've tried
• 43:22
  Speaker 2: several times to have conversations about it, but as it's
• 43:26
  Speaker 2: a sensitive topic, I don't want to push it, and
• 43:28
  Speaker 2: my partner says they'll reach out with any updates instead
• 43:32
  Speaker 2: of me bringing it up. There've actually been very few updates.
• 43:36
  Speaker 2: We've been together for about four and a half years
• 43:38
  Speaker 2: and don't live together yet, and I feel like our
• 43:41
  Speaker 2: lives are currently on pause and we're getting further away
• 43:44
  Speaker 2: from being able to buy a house, which is a
• 43:46
  Speaker 2: shared goal because of his unemployment. I want them to
• 43:49
  Speaker 2: feel confident and successful, and I feel very helpless and
• 43:52
  Speaker 2: scared at how long this has gone on. As savings
• 43:56
  Speaker 2: don't last forever. What can I do in this situation
• 43:59
  Speaker 2: without being too pushy? What would you guys do well,
• 44:04
  Speaker 2: as you guys know, obviously, I was maybe redundant last
• 44:07
  Speaker 2: year and I was with Jess at the time, and
• 44:10
  Speaker 2: I still am, but I sugar mama, Yeah, sugar MoMA.
• 44:13
  Speaker 2: She really was a sugar mama for a little while,
• 44:15
  Speaker 2: and I suges we appreciate it. And I couldn't find
• 44:20
  Speaker 2: work for ages, but I was actively looking. So I
• 44:23
  Speaker 2: feel like there's two different things like if if if
• 44:24
  Speaker 2: this partner is actively looking. And some time when Jess
• 44:29
  Speaker 2: was like sticking by me and being really nice and patient,
• 44:34
  Speaker 2: I was like almost feeling this weird, like inferiority sort
• 44:39
  Speaker 2: of thing. I was just like, oh, I don't want
• 44:41
  Speaker 2: you to feel that. Thank you. Well, I think that's
• 44:43
  Speaker 2: like there's there's a part of it that like if
• 44:45
  Speaker 2: if your partner is actively trying and really is trying
• 44:48
  Speaker 2: to get a job and cannot because that is literally
• 44:51
  Speaker 2: what happened to me, And it's not because I wasn't
• 44:53
  Speaker 2: trying whatever. I sent hundreds and hundreds and hundreds of
• 44:56
  Speaker 2: couple letters and resumes and and kept changing them and
• 45:00
  Speaker 2: you know, all these things that I was trying and
• 45:02
  Speaker 2: then couldn't find a job. So I was like kind
• 45:04
  Speaker 2: of at a point where I was like, I was
• 45:05
  Speaker 2: almost like to that to just like I was like,
• 45:08
  Speaker 2: you can you know, there's no no pressure to like
• 45:11
  Speaker 2: hang around if you you know, I was like, and
• 45:13
  Speaker 2: then she was like you what I know? And she
• 45:16
  Speaker 2: was like, I'm not going to I'm not going to
• 45:17
  Speaker 2: break up with you because you don't have a job.
• 45:19
  Speaker 2: I happened to like you as a human band because
• 45:22
  Speaker 2: you earn money totally, and so in this moment, it
• 45:25
  Speaker 2: was like that was so meaningful. And so I think
• 45:27
  Speaker 2: for your partner if and I say again, like I
• 45:30
  Speaker 2: really want to clarify, like if they actually like really
• 45:32
  Speaker 2: really genuinely trying to find a job, if I'm like
• 45:36
  Speaker 2: putting myself in your partner's shoes, I'm like, the only
• 45:39
  Speaker 2: thing I needed was that reassurance that no one was
• 45:42
  Speaker 2: angry at me, everyone still loved me, I still was valued,
• 45:45
  Speaker 2: and I'm still a functioning member of society. I'm not
• 45:49
  Speaker 2: going to be like banished.
• 45:51
  Speaker 4: From everyone's lives because I can't find a job, because
• 45:53
  Speaker 4: that's like I can't find a job, I don't have money,
• 45:54
  Speaker 4: I'm losing my savings. Everyone hates me, no one loves me.
• 45:57
  Speaker 1: I don't.
• 45:57
  Speaker 2: Don't you're not worthy of job and you just viral.
• 46:00
  Speaker 4: And so they could be the case that your partner's
• 46:02
  Speaker 4: actively trying or maybe just like really really low and
• 46:05
  Speaker 4: isn't like trying as hard as they once were. But
• 46:08
  Speaker 4: either way, I think that the person who is you know,
• 46:11
  Speaker 4: has lost their job and is looking definitely needs support
• 46:13
  Speaker 4: and there's no rush really, like I understand like people
• 46:16
  Speaker 4: have different you know, goals, and it's like, oh my god,
• 46:19
  Speaker 4: we're so close, like we're going to buy a house
• 46:20
  Speaker 4: at the end of this year, but really connection and
• 46:22
  Speaker 4: love is way more important, and if you love each other,
• 46:25
  Speaker 4: then I think just keep being patient, which I know
• 46:28
  Speaker 4: sucks to because if you're in it, it's like I
• 46:30
  Speaker 4: under totally understand the fear. But then on the flip side,
• 46:33
  Speaker 4: if your partner's like just not communicating and not trying
• 46:36
  Speaker 4: and not you know, anything, then that definitely needs a
• 46:39
  Speaker 4: very very serious conversation. That's probably symptomatic if something bigger.
• 46:44
  Speaker 4: Maybe they don't you know, maybe they don't actually care
• 46:46
  Speaker 4: about this financial goal. Maybe that maybe that means that
• 46:48
  Speaker 4: they they're not respecting you as much as they should
• 46:51
  Speaker 4: and all these other things. So I'm like if that's
• 46:53
  Speaker 4: the case the case. If it feels more like that,
• 46:55
  Speaker 4: then that's definitely you definitely need to talk about your
• 46:59
  Speaker 4: future together. In your future financially, communication is key.
• 47:02
  Speaker 2: Shuger, I agree.
• 47:06
  Speaker 3: I think that it's hard because your partners obviously tried
• 47:08
  Speaker 3: to draw a boundary in saying they'll come to you
• 47:11
  Speaker 3: with updates. But at the same time, if I was
• 47:13
  Speaker 3: in our listener's shoes, I think that I also would
• 47:15
  Speaker 3: probably be stressing. And I think, as you said, maybe
• 47:17
  Speaker 3: communicating to them and saying, hey, like, I understand that
• 47:19
  Speaker 3: you're probably under a lot of stress because you're, you know,
• 47:22
  Speaker 3: not feeling like you're being able to get a job
• 47:24
  Speaker 3: and validate them, and I understand that you're trying.
• 47:28
  Speaker 2: I see that.
• 47:28
  Speaker 3: But from my end, I also would really appreciate being
• 47:31
  Speaker 3: kept in the loops so that I can have an
• 47:33
  Speaker 3: understanding of what's going on because we are in this together,
• 47:36
  Speaker 3: particularly if we're sharing goals and finances. The one piece
• 47:39
  Speaker 3: of actionable advice I would give is that if you've
• 47:42
  Speaker 3: been applying and applying for nine months, and you know,
• 47:45
  Speaker 3: our listener said that he was applying across a range
• 47:48
  Speaker 3: of industries, I would suggest that maybe he needs to
• 47:51
  Speaker 3: be applying for lower level roles. Like if you're applying
• 47:56
  Speaker 3: over nine months and you're still not having any luck
• 47:57
  Speaker 3: and you're getting to the point where you're stressed about money,
• 48:00
  Speaker 3: as hard as it is, you might just have to
• 48:02
  Speaker 3: go I'll take what I can get totally. I'll pick
• 48:05
  Speaker 3: up an evening shift at the pub, or I'll you know,
• 48:08
  Speaker 3: instead of being a senior manager of marketing, I'll take
• 48:11
  Speaker 3: a marketing manager or a marketing assistant. And it sucks,
• 48:16
  Speaker 3: but there's no shame in just taking what you can
• 48:19
  Speaker 3: get to keep yourself afloat.
• 48:21
  Speaker 2: Until we keep you on track to get your goals correct.
• 48:24
  Speaker 3: You can still interview for jobs, like you can keep applying,
• 48:27
  Speaker 3: keep applying, keep interviewing, but it sounds like you're at
• 48:30
  Speaker 3: the point where you just kind of or your partner
• 48:32
  Speaker 3: just needs a job to have some money coming in
• 48:35
  Speaker 3: to maybe fill the gap on the resume, to make
• 48:38
  Speaker 3: sure that you guys are able to achieve your goals.
• 48:40
  Speaker 3: And I think, as hard as it is, sometimes you
• 48:43
  Speaker 3: do just have to take a step backwards to take
• 48:45
  Speaker 3: a step forwards, you know, take a slightly lower role
• 48:48
  Speaker 3: so that you can progress within that company, or take
• 48:50
  Speaker 3: a slightly lower role so that you can work on
• 48:52
  Speaker 3: building your skill set or study or do whatever. But
• 48:56
  Speaker 3: nine months is a really long time and it's definitely
• 48:58
  Speaker 3: not always the fault of the app can but it
• 49:01
  Speaker 3: sounds like you're getting to the point where you just
• 49:03
  Speaker 3: need to be able to do something, and that would
• 49:06
  Speaker 3: probably be That's what I would do personally.
• 49:08
  Speaker 2: I think that's great advice, Like that's it's just kind
• 49:11
  Speaker 2: of like, get out there, get a job because do
• 49:15
  Speaker 2: you know what? It obviously is much harder done than said,
• 49:20
  Speaker 2: but being employed is going to make you more employable
• 49:23
  Speaker 2: to your dream job as well. Yeah, oh, I've actually
• 49:25
  Speaker 2: got a job at the moment, Like I want to
• 49:27
  Speaker 2: step up into this or do you know what? The
• 49:30
  Speaker 2: work ethic? I remember, and I've said this before on
• 49:32
  Speaker 2: the podcast about you, Jess, I remember when I hired you,
• 49:35
  Speaker 2: you'd been made redundant, were going through COVID I in
• 49:37
  Speaker 2: order and I was like, what are you doing at
• 49:39
  Speaker 2: the moment? And you were like, I'm working in a
• 49:41
  Speaker 2: warehouse and I was like doing what And You're like
• 49:42
  Speaker 2: packing boxes and I was like great, Like I adored
• 49:46
  Speaker 2: that work ethic. That's the type of person that I
• 49:47
  Speaker 2: want working for me, But the contrast would have been, Oh,
• 49:52
  Speaker 2: I'm just waiting to find my perfect job. I got
• 49:54
  Speaker 2: made redundant and I want to like it spoke volumes
• 49:58
  Speaker 2: about your character that you were like, I'll just do
• 50:00
  Speaker 2: anything actually to fill my time, to keep money coming
• 50:02
  Speaker 2: in and food on the table. I was like, mad, respect,
• 50:05
  Speaker 2: that's the type of person I want to surround myself with.
• 50:07
  Speaker 2: And I literally didn't even take it much further. I
• 50:10
  Speaker 2: was like, I don't think I even cared about qualifications.
• 50:13
  Speaker 2: It was all about work ethic And I was like,
• 50:14
  Speaker 2: that is who I want on my team. Yeah, and
• 50:17
  Speaker 2: I think that that's really important to remember. Not because
• 50:20
  Speaker 2: I'm like gold standard employer, but like that's how most
• 50:24
  Speaker 2: people would see it. Like, and it's not a bad thing.
• 50:27
  Speaker 2: I guess updating your resume. I know you've had a
• 50:29
  Speaker 2: look at it, but like, would it be worth getting
• 50:31
  Speaker 2: somebody external to have a look at it and tailor it?
• 50:34
  Speaker 2: Are you using targeted cover letters?
• 50:36
  Speaker 3: Yeah?
• 50:37
  Speaker 2: Big one. So like you're just submitting your resume on Seek.
• 50:39
  Speaker 2: Like because if you're just going on Seek and hitting apply, Apply, Apply,
• 50:42
  Speaker 2: like there's no tailoring, there's no personality, Like it is
• 50:46
  Speaker 2: hard to get a job at the moment, and tailored
• 50:48
  Speaker 2: cover letters do stand out, and I know that a
• 50:51
  Speaker 2: lot of people, and like, we've had this heat before.
• 50:53
  Speaker 2: You've probably seen it, just I don't know if you've
• 50:55
  Speaker 2: paid attention to it on TikTok beck because I don't
• 50:57
  Speaker 2: think we've done a lot of employment stuff recently. But
• 51:00
  Speaker 2: people when I say, oh, write a tailored cover letter,
• 51:03
  Speaker 2: They're like, I shouldn't have to do that. My experience
• 51:06
  Speaker 2: should speak for itself. It's like, I totally agree with you,
• 51:09
  Speaker 2: but like I'm not the one hiring, it's other people,
• 51:12
  Speaker 2: and I'm giving advice that hopefully puts you ahead of
• 51:15
  Speaker 2: the curve, that puts you ahead of the other applicants.
• 51:18
  Speaker 2: And a tailored cover letter where you've clearly done your
• 51:20
  Speaker 2: research and you understand, you know the company and the
• 51:24
  Speaker 2: values it brings. Like people see that and go, wow,
• 51:27
  Speaker 2: that's a lot of effort. I love someone who puts
• 51:29
  Speaker 2: that effort into my business. I would be optimizing your LinkedIn. Yeah,
• 51:34
  Speaker 2: so like not always the best thing for your industry.
• 51:38
  Speaker 2: I don't know what industry you're in, but like making
• 51:41
  Speaker 2: sure that your LinkedIn is up to date, has all
• 51:43
  Speaker 2: of your current stuff, your degrees, like all of those things,
• 51:47
  Speaker 2: so that if someone is looking you up, they're getting
• 51:49
  Speaker 2: a really clean experience of what you do, how you
• 51:52
  Speaker 2: do it. Also cleaning up your online presence. No, it's
• 51:56
  Speaker 2: a relevant thing.
• 51:57
  Speaker 3: Like in this day and age, people are looking people
• 52:00
  Speaker 3: on Facebook and Instagram and whatever to see who they
• 52:02
  Speaker 3: might be hiring.
• 52:03
  Speaker 2: I don't think anyone in our community is going to
• 52:05
  Speaker 2: have a presence that is negative. But like if there
• 52:09
  Speaker 2: are things online like I don't know, you love to
• 52:14
  Speaker 2: blast your current boss on Twitter or something, and like
• 52:17
  Speaker 2: it's quote anonymous, but it's under your government name, and
• 52:21
  Speaker 2: then I somehow google you and find that I don't
• 52:24
  Speaker 2: want you working for me. That's weird. So I think
• 52:26
  Speaker 2: that just making sure that you're dotting all your e's
• 52:28
  Speaker 2: and crossing all your t's, and yeah, I think professional
• 52:32
  Speaker 2: help could help. Like I know you're chewing three savings
• 52:35
  Speaker 2: at the moment, but like sitting down and maybe talking
• 52:37
  Speaker 2: to a career coach, maybe talking to someone who does
• 52:39
  Speaker 2: a professional resume. Like not the worst idea in the
• 52:43
  Speaker 2: entire world, because I'm not saying that you don't know
• 52:45
  Speaker 2: what you're talking about, but like, clearly something's got to change.
• 52:48
  Speaker 2: True and maybe your partner. I don't know. I don't
• 52:51
  Speaker 2: like getting advice from my partner. Yeah, I don't want
• 52:53
  Speaker 2: to be told by him that, oh, yoursmey is not
• 52:56
  Speaker 2: good enough whatever. Maybe like an external doing that would
• 52:58
  Speaker 2: feel a little bit nice, I'm sure. So it feels
• 53:00
  Speaker 2: can sometimes feel like, oh my god, I'm already.
• 53:04
  Speaker 3: Yeah, that's anything, Like don't they are probably feeling embarrassed.
• 53:07
  Speaker 3: Like I know that when I took a job that
• 53:09
  Speaker 3: was not there's anything wrong with working a warehouse like it, but.
• 53:12
  Speaker 2: It was just not work done before.
• 53:14
  Speaker 3: But it was not like Youurine, I'd been a career girly,
• 53:17
  Speaker 3: and I was like, wow, like I feel a little
• 53:18
  Speaker 3: bit like I'm taking a step in that doesn't a
• 53:21
  Speaker 3: differentiation to the direction that I want to be going,
• 53:24
  Speaker 3: and that felt really embarrassing. And not finding a job
• 53:27
  Speaker 3: for such a long period of time can also feel
• 53:29
  Speaker 3: really embarrassing.
• 53:29
  Speaker 2: So and I was literally the opposite. When I looked
• 53:32
  Speaker 2: at you from the outside, I was like, whoa, Like
• 53:35
  Speaker 2: that's ilite ye, So like people, I promise looking at
• 53:38
  Speaker 2: you from my perspective, not the way that you're seeing
• 53:40
  Speaker 2: yourself in that moment.
• 53:42
  Speaker 3: So like reminding him that that's the case, but also
• 53:45
  Speaker 3: there's nothing to be embarrassed about, like you've got it.
• 53:47
  Speaker 3: Sometimes you just got to do what you gotta do
• 53:48
  Speaker 3: and whatever that looks like, that's okay.
• 53:50
  Speaker 2: I was just gonna say, I use I use recruitment agencies,
• 53:53
  Speaker 2: and I don't know if that's the thing. That's a
• 53:55
  Speaker 2: great ideas. Use those because they're like they're kind of
• 53:57
  Speaker 2: like out there and they're doing the work for you,
• 53:58
  Speaker 2: and let's play. I love those places. We did ask
• 54:01
  Speaker 2: the community. We were like, we have your two cents please.
• 54:04
  Speaker 2: We said, if you were our community member, what would
• 54:07
  Speaker 2: you do. Nineteen percent of you said, try and help
• 54:10
  Speaker 2: with the job hunt, twelve percent said I'm going to
• 54:12
  Speaker 2: give them space to figure it out, and sixty nine
• 54:14
  Speaker 2: percent said I'm going to need to have a serious
• 54:17
  Speaker 2: conversation about next steps. We then asked, have you or
• 54:21
  Speaker 2: have you had a partner that has experienced extended unemployment.
• 54:25
  Speaker 2: Thirty one percent said, yep, it was really hard it
• 54:27
  Speaker 2: would be. Thirty one percent beck yeah, sixty five percent
• 54:31
  Speaker 2: said no. Luckily enough. Four percent of you said I'm
• 54:34
  Speaker 2: actually in the same boat right now. I'm so sorry.
• 54:37
  Speaker 2: You has tough spot to save that so next we said,
• 54:41
  Speaker 2: all right, give us your actual two cents, type out
• 54:43
  Speaker 2: how you're feeling. Someone said, as the partner who was unemployed,
• 54:48
  Speaker 2: please just give them space. They feel guilty enough already
• 54:51
  Speaker 2: that's been reiterated in the way that you were saying
• 54:53
  Speaker 2: you for feeling Beck. Yeah, and I just I totally
• 54:58
  Speaker 2: respect that, but it's often not a reflection on news
• 55:00
  Speaker 2: softa to reflection of the market. Someone else said, make
• 55:04
  Speaker 2: it a fun night activity. Why not have a pizza,
• 55:06
  Speaker 2: some drinks and do some team job searching together.
• 55:09
  Speaker 3: Cute.
• 55:09
  Speaker 2: Yeah, that's nice. It's also just a really nice idea.
• 55:12
  Speaker 2: Like imagine if Jess turned around and said, Beck, I
• 55:14
  Speaker 2: don't judge you for not having a job, but do
• 55:16
  Speaker 2: you want to get a pizza and just like deep
• 55:18
  Speaker 2: dive one evening? True, I feel really supportive.
• 55:21
  Speaker 1: Yeah.
• 55:22
  Speaker 2: Someone else said. The other thing is what are they
• 55:24
  Speaker 2: doing while not working right now? That's a big one.
• 55:28
  Speaker 3: Are they helping picking up slack around the house or
• 55:30
  Speaker 3: are they playing video games in their pjs all day?
• 55:33
  Speaker 1: Yeah?
• 55:33
  Speaker 2: And I mean you did say that they weren't living together,
• 55:35
  Speaker 2: but surely you could get a good idea of what
• 55:38
  Speaker 2: they're doing in their sharehouse or what they're doing in
• 55:39
  Speaker 2: their parents' house or what that looks like. Someone else said,
• 55:43
  Speaker 2: hr here, try applying for temporary roles first, more immediately
• 55:47
  Speaker 2: available and recruiters will actually help you. That's a great
• 55:51
  Speaker 2: a suggest Someone else said, there is an element of
• 55:56
  Speaker 2: who you know. Maybe attend some networking events or reach
• 55:59
  Speaker 2: out to your network also really good, depending on what
• 56:02
  Speaker 2: industry you Yeah. Someone said, shared financial and life goals
• 56:06
  Speaker 2: mean you do get input into the other person's life.
• 56:09
  Speaker 2: That's a that's and that's kind of how I feel.
• 56:11
  Speaker 2: That's what I'm saying.
• 56:11
  Speaker 3: I was like, I understand, and you should respect somebody's boundary.
• 56:15
  Speaker 3: But at the same time, I can also understand that
• 56:17
  Speaker 3: if it affects you as the partner, you have a
• 56:21
  Speaker 3: right to at least have a seat at the table
• 56:23
  Speaker 3: for a conversation. How much you're entitled to is to
• 56:25
  Speaker 3: be decided between the two of you, but once you
• 56:27
  Speaker 3: are working towards things together, you're at.
• 56:29
  Speaker 2: The same table. Yeah. Yeah, I like that idea. I
• 56:32
  Speaker 2: haven't really thought about like what entitles you to have
• 56:35
  Speaker 2: a opinion, but it's nice to have some I guess boundaries.
• 56:40
  Speaker 2: Someone else said, totally get it. The job market is
• 56:43
  Speaker 2: really hard right now. My partner applied for more than
• 56:45
  Speaker 2: two hundred jobs last year and got two interviews. That
• 56:50
  Speaker 2: is crell it's happening. It's so weird. That is awful.
• 56:54
  Speaker 2: But also thank you for sharing, because I know that
• 56:59
  Speaker 2: so many people are in this situation, and I think
• 57:01
  Speaker 2: that the person that might have written in is like,
• 57:03
  Speaker 2: is there something wrong. It's like, it's actually hard for
• 57:06
  Speaker 2: so many people at the moment, and you can start
• 57:09
  Speaker 2: to think it's you. It's not like, more often than not,
• 57:11
  Speaker 2: it's absolutely not. Someone else said, sounds like the partner
• 57:15
  Speaker 2: needs to apply for temporary jobs outside of his field.
• 57:18
  Speaker 2: So similar to your advice, yess, and also similar to
• 57:20
  Speaker 2: that advice from HR and then the last one because
• 57:23
  Speaker 2: I won't go on and on said tell them they
• 57:25
  Speaker 2: could like do Nightville or cleaning or uber It's or
• 57:28
  Speaker 2: any other job to keep them away from a dog
• 57:31
  Speaker 2: GMLM so much. Yeah, an MLM is not an option.
• 57:38
  Speaker 2: It'll actually end up probably costing you more than what
• 57:41
  Speaker 2: you would make, so that's not a good opportunity. Anyway,
• 57:45
  Speaker 2: That's a great place to leave it. I love you guys.
• 57:48
  Speaker 2: You are so funny. Have a good week. We'll see
• 57:51
  Speaker 2: you bright early Monday morning from Money Diary. Until then,
• 57:54
  Speaker 2: enjoy the weekend, my loves Bye, guys bye. The advice
• 58:04
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• 58:06
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• 58:13
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• 58:17
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• 58:19
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