Latest / The Curve / RTC71: London Life Lessons: money, men and makeshift music.

Transcript

RTC71: London Life Lessons: money, men and makeshift music. · The Curve

0:00
Welcome to Raising the Curth, a podcast designed to teach you everything you need to know
0:05
to be better with your money.
0:07
And the wise words of Amy Schumer were slipping carrots into the brownie recipe.
0:11
I don't really get the saying.
0:14
It's kind of like eating vegetables that actually taste good.
0:17
You know, I'm like, still not ready to eat.
0:19
Are you on the script?
0:21
It's basically like saying, investing in finance can be boring, but it totally doesn't
0:26
need to be.
0:27
OK, OK, so we're making it fun by putting the carrot.
0:31
OK, the vegetables are just good for you.
0:33
It's the brownie recipe.
0:35
OK, we got there, we got there.
0:36
OK, OK.
0:37
Well, you've really got a finance mate.
0:39
Yeah, one of us has to.
0:40
This is a joke.
0:41
OK, come and learn alongside me from Vick Harris, ex-fun manager.
0:45
Well, I'm going to ask all the questions that you wish you could.
0:48
And I'm going to be eating all the brownie you wish you could.
0:51
No, that's so not the joke, Vick.
0:54
OK, just come and talk and learn and laugh with us.
0:56
Because together, we really can raise the curve.
1:01
So, yes, we've been here for a couple of months now.
1:06
And we have not yet done a podcast on our London experience.
1:11
I know.
1:12
We've literally been head down, bum up, working our little tutsis off.
1:16
It's crazy how fast time has gone.
1:18
I know.
1:19
You know, when you're having fun, having fun working hard,
1:22
it's like the classic, what's it work hard play hard?
1:25
I think that's what we're doing.
1:26
Yeah, burning the candle both ends.
1:28
Yeah, yeah, yeah.
1:29
And then it's like, help, I'm dying.
1:32
It's been an interesting experience, because I think culturally,
1:35
the UK and New Zealand are really similar.
1:38
Yes, really similar sense of humour.
1:40
I don't know.
1:41
Like, just, everyone thinks I'm funny.
1:44
Everyone thinks I'm funny because I'm from New Zealand.
1:46
No, I just think, I don't know.
1:48
They get us.
1:49
Yeah, I think they love Kiwis and we love them.
1:52
Yeah, it's a reciprocal relationship.
1:54
We're all part of the commonwealth.
1:55
You know, there's a bit of home here.
1:57
All hell lookling.
1:58
King.
2:00
Oh, God.
2:02
Today we were in a meeting with this insurance company.
2:04
And it was like, it was fine.
2:07
Like, the meeting was fine.
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But then they were like, oh, who's your meeting with tomorrow?
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Because we told them we had a meeting with like another insurance company.
2:14
And I'd opened the wrong day and I had the meeting name.
2:17
And I go, oh, yeah, yeah, so and so and so.
2:20
And then the guy who's the COO and like,
2:22
CEO and founder of this company was like, oh, no, that's me.
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And we'd been in this meeting for like 45 minutes.
2:28
It was quiet.
2:29
And I was just like, he didn't my hand going, oh, my God.
2:31
I should start to like, back kid all on us.
2:34
Like, oh, it was, I mean, like, oh, it was just such a foot in mouth.
2:36
And I think up until that point, they were like, oh, the Kiwis love these girls.
2:40
I mean, I mean, I mean, just totally show.
2:43
It's okay.
2:44
You know?
2:45
You can't be great all the time.
2:47
You lose something.
2:48
Just not even I've seen the time would be great.
2:49
Thank you.
2:51
Anyway, so we're going to run through today some of our learnings,
2:56
our experiences, what we like, what we don't like, money related ones,
3:01
non-money related ones, dating ones, non-diving ones.
3:06
Yeah, so it's going to be a fun time.
3:09
So we've got a little list.
3:10
I don't mind like a reflection when I was riding all these down.
3:13
I feel quite good to think about it.
3:14
Yeah.
3:14
Because otherwise you're just unconsciously living your life and spending money
3:18
and doing all the stuff and not actually riding it down.
3:20
Because normally I journal, but I've been too busy for that.
3:24
Too busy.
3:24
Too busy.
3:25
But then you do stuff like you say the wrong names and medics
3:28
and you think, shit, I need to get back to the journal.
3:30
Yes, yes.
3:31
So do you want to go first?
3:32
You can do, should we do like a money related, non-money related?
3:36
You know, both in me.
3:37
Yeah, but we both do a money one and then we both do a non-money one.
3:40
Okay.
3:40
Okay.
3:41
Well, I'm going to start with the price of coffee.
3:46
Yeah.
3:48
Honestly, today this morning I got an oat flat white and I know I shouldn't be doing this like
3:55
transferring pounds to New Zealand dollars on my head.
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But I'm earning New Zealand dollars, so it's kind of hard.
4:00
But I ordered an oat flat white and it was £4.73.
4:07
Which is the three by the way.
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I feel like there was some like tax or something like that.
4:12
I, that is nearly $10 for a coffee.
4:17
No.
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And it's disgusting.
4:20
I almost wanted to say something, but then I was like, what am I going to say?
4:22
Your exchange rates too high, though.
4:24
It was honestly.
4:26
I, but yeah, it wasn't until I'd ordered it, started drinking it and then had to pay for it.
4:30
So it was almost like, you know when you get a haircut and you're like,
4:32
oh, so expensive, it was too late.
4:34
So I had a, I've had this weird obsession start lately and I think it's a
4:38
combination of being time pour over here.
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But also the person I'm living with loves it.
4:42
It's cold marches from Starbucks, which is a bizarre habit to get into this morning in a meeting.
4:49
And I was like, is it, either it's a green smoothie that you've put in a Starbucks cup?
4:53
No, no, the cup.
4:54
No, it's just weird.
4:55
I bought one.
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Yeah.
4:56
I bought one and I went across it at 7.30 this morning and not even having had a show yet
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and got one and then went back to my meetings.
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And I just thought, this is, this is, do you get like cream on top?
5:06
No, but my point is is that it was still, it was like 4.30 or something for a small.
5:10
And I can't just say, this is not happening.
5:12
I think the hardest thing is we keep translating it back to New Zealand dollars,
5:17
which I mean, for, even $4.70 for a coffee is expensive.
5:22
Yeah.
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Then you double it and you're like, then you've got to double it.
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But I was like, wow, I really need to start making more coffees at home.
5:28
Okay, my one is I would have thought that public transport
5:34
because there's so many people in the city and it's so well established.
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Like if you've seen a tube map, it is like a spider web.
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It's, it is, I'm pretty sure they won like a design award for how amazing the map is.
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Anyway, you would think, oh, there's 5,000 people on this tube.
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Surely this is going to cost me 25 cents.
5:54
No, it's unbelievable.
5:57
I'm pretty sure I spent 17 pounds on public transport the other day.
6:01
Yeah.
6:02
But there's no other way to get around.
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I know, and like that's the thing.
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It's like God gave me legs.
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But can I be bothered walking two hours to a meeting?
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No.
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Also, Lyme's very expensive.
6:11
Lyme's, yeah.
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I was spending $10 to Lyme for four minutes down the road.
6:15
Use your legs, girl.
6:16
I know, but the problem is we all know I'm never really early for a meeting.
6:19
So that's what I was like, you need to buy an umbrella.
6:22
It's not a raining today and I was like, so if you need to buy an umbrella,
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you're in London in summertime.
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It's going to rain.
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It's like Auckland in summer.
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You know, it's going to rain.
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It's like bought an umbrella from New Zealand.
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Like, who does that?
6:32
Who is that organist?
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It's tiny.
6:34
It's tiny.
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But just honestly, it's like a $5 umbrella.
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Why would you not just buy one here?
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It's so weird.
6:39
We are financially educating.
6:40
Yeah, you're right.
6:41
Okay.
6:42
Non-finance related one.
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Oh, the British accent.
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Makes me weak in the knees.
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I stand in a queue and like hear it.
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And I'm just like, and then you turn around,
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it's always kind of a disappointment.
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But still, it's like, if it was a Kiwi accent,
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it would be like a real disappointment.
6:57
True, true.
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You know, everyone's just 10 times higher.
6:59
And so like, what I got there?
7:00
Yeah.
7:01
I mean, if you just took a look.
7:04
In the dark, in the dark.
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Yeah.
7:06
It's so sexy.
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But also just really calming and beautiful.
7:10
It's like ASMR.
7:12
Yeah.
7:12
Just keep talking, put me just like.
7:13
Yeah.
7:14
Exactly.
7:14
Even like, would you like a coffee?
7:15
I'm like, yes.
7:16
I'll pay for what I was simply through.
7:18
For Pouncy Ruth.
7:19
So we're getting financially fucked over
7:21
because the accent is so cute.
7:23
Will I fall taken?
7:24
I'll take that.
7:25
Okay.
7:25
What is my non-finance related one?
7:28
I eat way more unhealthy over here
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because I'm always in a hurry
7:32
and everything is, I need it to be convenient.
7:35
Yes.
7:35
So you'll find me with like a rapid hand from M and S,
7:38
which is like the, you know, pre-made,
7:40
they have heaps of pre-made stuff.
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Or, I'll just go, like I'm very much like,
7:44
oh, I'll eat well while messaging and calling
7:47
and screeching along the road trying to get to a meeting.
7:50
You know, I just find myself in New Zealand time
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as much slower as like, I don't know,
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just like an easier pace to keep up with.
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Whereas here, I'm, and also I'm always out
8:00
so I'm hardly ever cooking at home.
8:02
Yeah.
8:02
And I think you also end up paying more
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because you're paying for convenience.
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Not only unhealthy, but it's, yeah, you're paying more.
8:08
Thanks.
8:09
So there's how, like if I was looking
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through my statements the other day,
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and I reckon if I was just to fast for three days,
8:14
I would save 300 pounds.
8:16
Yeah.
8:17
I guess been so much money on food.
8:18
We're not encouraging that, no, no, no, no, no.
8:21
But you haven't noticed that you look great though.
8:22
Thank you so much.
8:23
Yeah.
8:24
My money related one would be,
8:28
I thought Pilates was expensive in New Zealand.
8:32
Holy Jesus, sorry.
8:33
Is there like $60 for a Pilates session?
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It wild.
8:37
Yes.
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I was like, you know what, this brings me joy.
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You know this is good for my body.
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But even I'm just, wow, yeah, every time it makes you go
8:46
because I'm definitely not missing a class
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because it was so bloody expensive.
8:50
Yeah, so it's like 30 pounds of class for a one-off,
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which is $60.
8:57
And again, it's not converting, but it's so annoying.
9:00
It just, yeah, stabs you in the guts for fun.
9:02
It makes hanging tight booty difficult.
9:04
I know.
9:04
Maybe I need to start running, but I'm just,
9:07
God, it takes a lot for me to put my running shoes on
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and get out of that.
9:10
Maybe you should run to the meetings,
9:11
then you have time to eat, then you bit, yeah,
9:13
but you'll be sweetie.
9:14
I always end sweetie in meetings anyway.
9:17
I was gonna start a montage of sorry arriving at meetings.
9:20
I want to see it take show.
9:23
And she's like glowy in the face and it's so weird.
9:25
Yeah, she sure is quiet.
9:27
I mean, she's like, I can use the bathroom in zero water,
9:29
like I just need to see the,
9:30
just need a few seconds to like decompress.
9:32
It's so hilarious.
9:34
Oh, God.
9:35
I just think it doesn't matter how much time I leave.
9:37
Like today, I left, I said to myself,
9:39
I'm gonna arrive at quarter to one
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because I'm just, I can't deal with the trees
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if there's any more than me.
9:47
Still?
9:48
How far away are you?
9:48
Still get there at the three past one.
9:50
And it was so stressful and I just, I just can't.
9:53
Anyway, my money related one actually is a positive.
9:57
Yeah.
9:58
No, actually I'm going for another negative.
10:00
Everyone used to talk about flights is so cheap to Europe.
10:03
You can't just hop on a plane and quickly pop
10:06
over to Europe for $30.
10:07
No, it's not.
10:08
It flights to $600 return.
10:10
It's anywhere.
10:11
It's like, and when you want to go is the Friday night,
10:13
Sunday nights, you know, that's when you want to travel,
10:15
it's when everyone else wants to travel.
10:17
It's like going to Queenstown in New Zealand.
10:20
The Friday night and Sunday night prices
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are always the most expensive.
10:25
It's the same here.
10:26
Have you ever used to talk about it being super cheap?
10:28
Yeah.
10:29
I just want to set the record straight.
10:30
It's not.
10:31
I think it was cheap.
10:32
Yeah.
10:32
And then COVID and the world's a bit different these days.
10:37
My non-money related is that nobody in London is up
10:42
before about 9 a.m.
10:44
And the weekends are 10 times worse.
10:47
You are the earliest bird that has ever
10:50
woken up in the whole world though.
10:51
But it's light at like 5 a.m.
10:53
It's nice.
10:54
But you're still in anomaly.
10:56
Yeah.
10:56
And Vick's like, it's so weird.
10:58
You know, soons are doesn't get to the gym
10:59
till 10 in the morning.
11:00
I'm like, it's not that weird, actually.
11:02
But for you, that's just like, that's like four
11:04
in the afternoon.
11:04
Yeah.
11:05
But then it also come 9 p.m.
11:06
I'm like half asleep.
11:07
Yeah.
11:08
If someone messages something through for work
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at like, any minutes, past nine,
11:11
I'm always like, Vick's asleep, don't worry about it.
11:13
So I was like, oh, hey, but this one, because my colleague
11:15
is not around.
11:16
But it's annoying, because it means
11:17
that I have to be up later.
11:19
So I can't think it in the routine of getting up earlier.
11:21
Yeah, maybe we should talk about this.
11:22
Take this off.
11:23
Yeah, we'll take this off later.
11:25
OK, my non-money related.
11:29
We've already touched on the accents.
11:30
Mine was just I want to marry an Englishman.
11:32
So probably, oh, I've got a good one.
11:34
Being 30 is like the new 40 over here.
11:37
Totally.
11:38
It's so normal to not have to have the white pocket fence
11:43
up with seven dogs, 15 children, be married.
11:47
And like, do you know what I mean?
11:48
I think over here, it's so acceptable to have a business
11:52
or be single and going out on a Wednesday.
11:57
Like all of that stuff is totally normal.
11:59
And I think in New Zealand, we love you.
12:01
But it's kind of frowned upon.
12:03
If you're single at this age, people are like, why are you single?
12:06
Someone sent you a DM saying, I can't why are you still single?
12:09
Literally today.
12:11
It's like, go away.
12:12
We're choosing to be single, because we don't like anyone.
12:16
You know, let it out.
12:17
Sorry.
12:18
Let it out.
12:19
I'm just so sick of it.
12:20
Evening on over the age of 55, it's like, I just...
12:22
Oh, darling.
12:23
Why are you not...
12:24
Why are you not...
12:25
You know, is there no one out there?
12:26
I don't know.
12:27
Oh, wait.
12:28
It's ostracized in New Zealand, where it's here.
12:29
It's less, much less so.
12:31
And I think there's a lot more diversity
12:33
and people doing different things.
12:35
And so that's not the natural progression that you need to take.
12:37
It's like, we're focusing on business right now.
12:39
It's kind of just much more acceptable.
12:41
But yes, definitely not just that.
12:43
Yeah.
12:44
If someone was to turn up to a pub at 44 on a Friday night,
12:50
people I reckon in New Zealand would be like,
12:53
oh, what's she doing?
12:54
Shouldn't she be home with her?
12:56
You know, people are so judgey here.
12:57
Someone could be like stumbling out of a bathroom
13:01
at 4 in the morning.
13:02
No one would care what they're not allowed.
13:04
You know?
13:05
Yes.
13:06
Go back.
13:07
Me.
13:08
Okay.
13:10
That wise, previously used to be called transfer wise,
13:13
is a beast platform to transfer money.
13:15
Yeah.
13:16
It's so simple and so easy.
13:18
It's with you in seconds.
13:19
This is not a paid ad for it.
13:20
But honestly, it's all on your phone.
13:23
It's an app.
13:24
You've also got a digital if postcard or debit card on your phone
13:28
and you can just pay away.
13:29
But honestly, it's just made my life so much easier.
13:31
I remember even three years ago,
13:33
and I had to use transfer wise
13:34
and then transfer that to a monitor.
13:35
I don't know.
13:36
It's just everything's in one place.
13:37
I'm still doing that.
13:39
But it removes the extra step,
13:40
which means you can get money faster
13:41
and then that kind of,
13:42
and you can pay people easily.
13:44
And it's crazy.
13:45
It's at least to pay like $50 for a international transfer fee.
13:48
Yeah.
13:49
Just a fee, a one-off,
13:49
this is what it's going to cost you.
13:51
And so you transfer massive amounts of money
13:53
and then those money,
13:55
that money isn't earning interest
13:56
because you're having to have it in a spending account.
13:58
And so it was kind of counter-intuitive.
14:00
But yeah, I definitely think wise has made my life
14:03
so much easier, but almost too easy.
14:05
I'm like, no, just tap, tap, tap, yeah.
14:07
It's so easy on this transfer more money in there.
14:09
Yeah, it's not ideal.
14:10
Yeah, transfer wise is a game changer.
14:13
Money related, what have I noticed?
14:15
Oh, so many people don't contribute to their pension.
14:19
So pension is like a kiwi saver in New Zealand.
14:22
It is absolutely mind-blowing.
14:25
How few people care about it,
14:27
know about it, contribute to it.
14:30
Yeah, it's crazy.
14:31
And it's 8% here.
14:32
Yeah, so 8% is almost like the default amount
14:35
to New Zealand, it's like 3, 6, and 10 is it?
14:37
3 is the default.
14:38
Yeah, 3 is the default.
14:39
We're just here, it's 8.
14:40
Yeah.
14:41
And the government matches it by a whole dollar.
14:43
Yeah.
14:44
Which is crazy.
14:45
Have I got snott on my nose?
14:46
Is that the case you keep?
14:47
No, I think it's like here.
14:48
Oh, okay.
14:49
I feel like I've got a here.
14:50
I keep stepping or like a fluff.
14:52
Do you want me to have a look?
14:53
Turn to the side.
14:54
Other way?
14:55
I'll just wipe it.
14:56
No, you don't, you're good.
14:57
There you go.
14:58
Sorry, sorry, that was a bit distracting.
15:00
Are you okay?
15:01
Just do it like, nice.
15:03
I put bronzer, I think, one of the brushes.
15:06
Oh, I hate that.
15:07
Yeah, yeah.
15:08
You know, I'm sorry.
15:09
Yeah, anyway, I guess my thing is I feel proud of New Zealand and Australia for being
15:15
so on top of their super and Kiwis over.
15:18
But I'm sorry, the default New Zealand's 3%, it's 8% in the UK and it's 10% in Australia.
15:25
Like, come on.
15:26
3%, that's going to be sorted out.
15:28
Yeah, we need to up that.
15:29
I mean Kiwis over hasn't been around for that long, so I'll give you that Kiwis over
15:33
in the Prime Minister of what's us.
15:35
Yeah, yeah, yeah, yeah, yeah, tag them.
15:36
Yeah.
15:37
Up at place.
15:38
Someone actually mentioned, this is a bit of a side note, that they were thinking about
15:42
curbing inflation by making Kiwis over contributions go up to people who had to save more,
15:47
so they weren't spending, as well as increasing interest rates.
15:51
And I was like, oh my gosh, so people are really struggling to get by right now, let alone
15:56
the government change the rules and saying you have to contribute more.
15:58
Like, I think there's a time to do it.
16:01
And yeah, I think it will increase over time, but most do, like the UK one, they want
16:07
to get 15%, same in Australia, so I think it will increase over time.
16:11
But I mean, we're at the lot, one of the line of thecentage, the time is on now, definitely
16:15
not the time.
16:16
We need all the money we can get.
16:20
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16:21
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16:35
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16:37
I've liked that credit for that, but I can't.
16:38
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16:41
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There's no way I would have done that without the course.
16:43
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17:00
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17:02
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Yeah.
17:05
And it's $699, which might sound like a lot, but it's totally worth the investment.
17:10
It's a six week course.
17:11
There's live chickens with me along the way.
17:14
There's exclusive podcasts.
17:16
There's a personalized budgeting and spending check.
17:18
There's honestly, I could go on and on.
17:20
Yep.
17:21
So if you'd like to find out more or you want to join the weightless, then click the link
17:24
in our show notes.
17:26
Do you just do one?
17:28
I can click on where we're up to.
17:29
No, I'm on non-money related now.
17:32
It's so refreshing.
17:34
I don't know how this is going to come across, but it's so refreshing to be unknown and
17:39
be anonymous.
17:40
Oh, I know what you mean.
17:41
Just not know anyone.
17:42
I'm not saying I'm a someone, but I know exactly what you mean.
17:45
Just like to walk down the street, pick your nose and know that no one says, we're
17:48
the Jennifer, we're just about to record this podcast.
17:52
We were lucky.
17:53
So Gerrano's here doing the audio technical stuff.
17:56
We were just doing a quick shot check and fix sitting there.
18:00
Oh my god.
18:01
Shops are finger-operated.
18:02
I just had to clap.
18:03
I had to clap.
18:04
Yeah, whatever.
18:05
We were like, good midshot.
18:06
It was hard.
18:07
It was like, what are you doing?
18:08
You were so embarrassed.
18:09
Anyway, no, I don't mean that.
18:10
I just mean you can walk down the street and you could be dressed like a crazy person,
18:16
singing your heart out and no, you're not going to bump into me.
18:18
I don't know anyone.
18:19
Do you know what I mean?
18:20
I do get, I love that about, and I don't want this to be like an I hate New Zealand podcast.
18:25
But I do love that about New Zealand sometimes, that you walk down, you see so many people
18:29
when you catch up and I love that.
18:30
But I also love here, you can have the complete opposite and not bump into anyone.
18:34
And when you do it, it's so exciting.
18:36
We bumped into a friend of ours when we were last here and we were both screamed her
18:40
night at the same time.
18:41
She got such a fright.
18:43
We just was so not used to bumping into someone.
18:45
It was quite crazy.
18:47
I also think, yeah, I mean, it's made me do some strange things, I'll be honest, like
18:51
the anonymity.
18:52
The other day I was having our lights, like our podcast lights delivered from where I was
18:56
staying when I was last here.
18:58
So there was stored for me in a friend's house, anyway, they ubered and it was dinner time.
19:02
I was in my robe and the uber was arriving.
19:06
I had my hair in a barn that I had no shoes on.
19:08
I was in a G string and no bra with this like wrap around the no shoes.
19:12
And the uber started pulling up and I thought, I'm just going to go down and I'll just
19:15
go down and quickly pick them up and I actually had a couple of friends there for dinner
19:18
and they're like, you're not going to go out like that though, are you?
19:21
And I said, yeah, yeah, I am.
19:23
And so I ran downstairs, we were outside and the car, the uber driver, like the car was
19:27
locked.
19:28
So he couldn't seem to, I was like hurry up, hurry up, get it out, I just want to quickly
19:32
run inside.
19:33
I had to rush.
19:34
I'm making it on the road.
19:35
Make it at like 5.20pm and he couldn't open the car, so I was just standing there for
19:41
like, oh, so mortifying, like I never, I looked, I looked like this, the weird neighbour.
19:47
Yeah.
19:48
That was not good.
19:49
But I know what you mean.
19:50
And I think there's something so refreshing about just being able to, you know, you don't
19:54
go to an excite class in the morning and see someone you're at high school with or
19:57
an ex-boyfriend or three or, yeah, yeah, no, it is good.
20:02
It means you meet lots of interesting people as well.
20:04
So I just very good at that, talking to people at the bus stop, talking to people with
20:07
a job.
20:08
I just love meeting random people.
20:09
I think it's the funnest thing you've ever, um, oh, people just have so much party stamina
20:15
over here.
20:16
No, I'm, I mean, I'm, I'm a great, I'm, yeah, I'm looking at you, but I'm also looking
20:21
at my flatmate who came home at 10.30 in the morning and then goes to work.
20:27
And I'm like, are you all right?
20:29
Like, does this need to be an intervention or is this just totally normal?
20:32
And it appears to be that it's totally normal.
20:34
Yeah.
20:35
That's a good one.
20:36
Yeah.
20:37
Um, money.
20:38
My money related one is, well, it's finance related, there are, what I love about being
20:45
in bigger cities is that you can walk around and there's so many public companies that
20:49
you can invest in.
20:50
You can actually see the brands and you can see the shops and the, well, whatever it is,
20:55
and it's quite cool.
20:56
Whereas we do have that in New Zealand, but a lot of the companies are the warehouse.
20:59
Well, yeah, they're not, they're not, I guess, consumer facing their, their, their
21:04
future building, you know, or contact energy or the, I knew that was going to be at least
21:08
next.
21:09
There's the ones in the background.
21:10
They're not the cool, fun, exciting ones.
21:12
So there's like Sainsbury's, which I shop at all the time, I'm like, oh, this is a
21:15
public thing.
21:16
Do you shop at Sainsbury's?
21:17
Yeah.
21:18
Maybe I need to start shopping at Sainsbury's.
21:19
Yes.
21:20
That's a conversation for a time.
21:21
Yeah.
21:22
Um, like H&M Boots, Boots is, it's actually listed in the US.
21:25
It's owned by Walgreens.
21:26
That's a pharmacy.
21:27
There's a pharmacy, but yeah, uh, Tesco's, Burberry, Vodafone, like all those names that
21:31
you know, that you see around, you can actually, I don't even know what Tesco is if you're
21:37
from Australia.
21:38
It's a supermarket.
21:39
Yeah.
21:40
Oh, really?
21:41
No.
21:42
Because I even remember when we were here last year and you're like, make me outside the
21:44
Boots and I was looking for a shoe shop for like 10 minutes.
21:48
Oh, please.
21:49
Okay.
21:50
My many related ones, eating organic fruit and vegetables is so much more achievable
21:56
over here.
21:57
It's actually way cheaper.
21:58
Is it?
21:59
I've been going to the Whole Foods because honestly, that's the one thing that I remember
22:03
when I had to give that up in New Zealand because I love organic produce.
22:07
I think it's so, if I can afford to eat organic, that's something that brings me a lot
22:10
of joy.
22:11
But I had to cut back on that because it was just totally unfeasible.
22:13
Yeah.
22:14
But over here, the Whole Foods, actually not that expensive.
22:18
Yeah.
22:19
That's been kind of nice for me because I'm like, oh, it's like a treat.
22:22
Yeah, it's such a treat.
22:23
Every day.
22:24
Yeah, yeah.
22:25
I love that.
22:26
Nice.
22:27
Which we do one more non-money, non-money, then a money.
22:30
Yeah, I love that.
22:31
Okay.
22:32
One of my non-money related ones would be, I think, just the places we've had meetings and
22:40
has been so wild, like the historic buildings, the history, the stories behind them.
22:48
You're just like, you forget that London and the UK has been around for so much longer
22:52
than New Zealand.
22:53
There's so much history here.
22:54
And they've had to take a moment to be like, wow, there were people in the 1800s walking
22:59
these.
23:00
Before they even like the 1200s.
23:01
Yeah, it's crazy.
23:02
When we were in Oxford?
23:03
Yeah, that's crazy.
23:04
Yeah.
23:05
1200.
23:06
When we went to speak at Oxford, like, I don't know how long it was now by the time this
23:09
podcast comes out, but we did a little hop on, hop off bus tour after we did a talk.
23:15
And then we were like, we've got to have a look around.
23:17
And some of the buildings were from like 1200s.
23:20
Yeah.
23:21
And when we were in the House of Lords, which I didn't even actually want to ask, that
23:25
we got an invitation for this meeting, and that had to email and capitals go, this is
23:29
essentially Parliament, by the way.
23:30
And I was like, oh, so I was like, do you reckon we'd go three hours early and have a look
23:33
around?
23:34
I was like, I think we'll be arrested if we could.
23:36
I was like, can I wear a crop top in charge?
23:39
She's like, absolutely not.
23:40
And then the photo afterwards, it's like, well, we were told, yeah, not to wear, we weren't
23:44
told, but we were like, surely we shouldn't wear suitors.
23:46
Did a bit of research.
23:47
We're a bit hangover.
23:48
Shouldn't wear a major.
23:49
Shouldn't wear sleeveless.
23:50
I don't know after it, of us.
23:51
Why?
23:52
What did we look like?
23:53
I'm wearing no sleeves and you're wearing red midriff shine, and I was like, wow, we had
23:57
one job.
23:58
Didn't even fall in shock.
23:59
Like, we try to look professional.
24:00
Yeah, we forget the memo that was like, yeah, my top must have just written up, because
24:03
I definitely was in the crop top.
24:04
Yeah.
24:05
It all wasn't meant to be a crop top.
24:06
Okay.
24:07
Was it kind of like...
24:08
Well, then we met with two people in our ring sneakers.
24:09
Yeah, yeah, yeah.
24:10
We built it up for the ring.
24:11
But yes, being able to walk into an area where Prince William's wives are painted
24:17
around in a big circle of malls and, yes, something.
24:20
King Richard's eight wives or something.
24:21
Whatever.
24:22
Prince William's eight wives.
24:23
No, sorry.
24:24
Sorry, Kate.
24:25
I think I said Henry, didn't I?
24:26
Anyway, what do you know?
24:27
Yeah.
24:28
And that kind of...
24:29
Oh my God, this is just so classic embarrassing Kiwi in London.
24:31
And I was like, oh my gosh.
24:32
And the meeting we had in this room and we were right by the fangs.
24:36
Looks like...
24:37
I was like, where?
24:38
I mean, the team's.
24:39
I was like, oh, yours.
24:40
I was like, you know, I'm kind of like not surprised.
24:46
Oh, really?
24:47
Yeah.
24:48
I know.
24:49
No, it's my turn.
24:50
Don't steal the lemma.
24:52
Okay.
24:53
What's another one for me?
24:56
Non-money related.
24:57
Yeah, I'm trying to think of it.
24:58
I want a good one.
25:00
I'm kind of sick of my lust.
25:02
I'm going to go rogue.
25:03
Oh, okay.
25:04
This is...
25:05
This is maybe going to sound...
25:07
I know.
25:09
I just think what I like is sometimes in small countries.
25:14
Are we baking New Zealand games?
25:16
I'm sorry.
25:17
Slightly.
25:18
I mean, we love it.
25:19
No, but the thing is, I feel like we're recycling men like we're in a bot lot.
25:23
And people have brought in their old cans and we've come to pick up a new one.
25:27
You know, it's very...
25:28
That was a really weird analogy, but it feels like we're waiting for each other to break
25:32
up with their ex-boyfriends to date them.
25:33
Oh, and you date someone and they're like, oh, they've dated those three friends of yours.
25:36
You're like, yeah, well, that's normal.
25:37
Yeah, you can't do this to my sister.
25:38
My mom went on a date with them.
25:40
You know what I mean?
25:41
Like, it's just like a lot.
25:42
Yeah.
25:43
Anyway, what's lovely about this thing?
25:45
Have you ever dated the same guy as your sister?
25:47
No, but you have.
25:48
No, I haven't.
25:49
It's my sister.
25:50
No, I haven't.
25:51
I have to definitely not.
25:52
I don't think so, anyway.
25:53
No, neither.
25:54
I know, but like, even like all the dating apps over here, I'm like, oh, my gosh.
25:58
I think it's just fun to be like, oh, you look cool.
26:00
You look cool.
26:01
And I have no mutual friends, and you're probably not a serial killer, because in New
26:04
Zealand, if you don't have 150 mutual friends, you assume there's something wrong with
26:10
them.
26:11
So it's not me, but it's kind of true.
26:14
And I just think you could go.
26:15
I mean, you could go on four dates in a week, and it's fine, because no one's going to
26:19
know each other.
26:20
Not that I have that much time.
26:21
You can date here.
26:22
You can date.
26:23
You can date here.
26:24
And be young and have fun and not be stressed about coming up at the local yoga class.
26:28
Yeah.
26:29
You know?
26:30
Yeah.
26:31
Love yoga, but you know what I mean?
26:32
Okay.
26:33
This last one from me, Money Related, which I'm like so angry.
26:38
Oh, God.
26:39
Anyway, the GST threshold for online purchases here is so low.
26:45
Like I have been stung so badly.
26:48
What do you mean love?
26:49
So in New Zealand, it's $1,000.
26:51
If you buy anything over worth more than $1,000 from overseas, you have to pay GST and
26:56
an admin fee and you know, there's a DHL, whoever brings the parcel and charges you, and
27:01
then they'll release it and you can get it.
27:03
Here it is 130 pounds.
27:06
So anything over that amount, you get stung.
27:09
And I didn't realise this and I bought something from Australia and I got the bill and I was
27:13
like, oh my God.
27:14
I was like, why didn't I just wait and get that St. New Zealand or like how much was the GST?
27:18
It was about 250 pounds.
27:21
I know.
27:22
What did you buy?
27:24
You have to say.
27:25
I bought that share shirt that you wore that other beautiful.
27:29
Yeah, I know.
27:30
Such a good shirt.
27:31
But you can't say no.
27:32
So you got $500 New Zealand dollars worth of tax.
27:35
Yes.
27:36
Do you know what?
27:37
I just like to tell you that it makes me feel so much better about myself because that
27:40
is a mere thing.
27:41
I know.
27:42
The fact that you did that makes you feel better.
27:43
I just thought we're in New Zealand and it's $1,000.
27:45
You know, I kind of don't think twice when I buy online New Zealand, unless it's super expensive,
27:50
but then I'm seriously considering with them buying it.
27:53
But here, I just didn't even think and then got so stung and I was like, did you cry?
27:58
I reckon that's like, cry with it.
28:00
I just don't want it anymore.
28:01
Yeah, because that's like a very extensive topic at this point.
28:04
Yeah.
28:05
So I feel all right.
28:06
Oh, like, oh, that's real lovely.
28:08
I thank you for doing that because you would have only worn about once when you, that
28:12
is a friendship.
28:13
Yeah.
28:14
She needed to look hot.
28:15
She had about three guys in one room that she'd patched up.
28:17
Yeah, yeah, yeah.
28:18
It was an important night for me.
28:19
I turned up to Vic tonight.
28:20
Are you all right?
28:21
Did you just fall out?
28:22
I just worked with Honey God.
28:23
Oh.
28:24
I, Vic had drinks and there was three people there that I was like somewhat semi-interested
28:29
or had gotten, you know, gotten with before.
28:32
And I got there and I just hated my outfit.
28:34
And I was like, Vic, I really, I don't feel good.
28:36
So she took me into a room and gave me a full new outfit.
28:39
And I felt a million dollars.
28:41
Someone told me I looked expensive and I thought, oh, perfect.
28:45
Just what I was going for.
28:46
Just the last one.
28:47
Okay, I couldn't make it good.
28:49
In with the bang.
28:50
I'm trying.
28:51
No pressure.
28:52
No pressure.
28:53
And we've lost a few listeners in the meantime.
28:57
I'm like, I can't thank you.
29:00
Oh, I just, none of mine are a bang.
29:01
I feel like I started with all the good stuff.
29:04
I just think my, the way that I started to think about my time versus my money has changed.
29:10
I feel like I'm valuing my time more than I'm valuing my money at the moment.
29:15
What do you mean?
29:16
So like the other night I went out for dinner with a friend quite far away from home.
29:21
I'd had about half a bottle of wine, which for me is weird because I don't even drink wine.
29:26
So at this point I was like, oh, like the thought of being on public transport for an entire hour.
29:30
I was like, nah, not only is it probably unsafe, but I just like want to get to bed.
29:34
So I don't feel like shit tomorrow.
29:35
So I paid for a, I think was a $25.30 Uber home.
29:38
Yeah.
29:39
Which it's not outrageous, but it's also quite unnecessary.
29:43
But in my head I just thought, you know what?
29:45
To get me home 20 minutes earlier.
29:47
Yeah.
29:48
I just decided it was worth it.
29:49
Yeah.
29:50
And sometimes Uber's aren't quicker.
29:51
No, that's a thing.
29:52
But yeah, when they are, you're kind of sometimes just like, I'll just jump and it takes you jump and it over.
29:56
Yeah.
29:57
No, I get that because it does take so long to get around sometimes.
30:00
It's just an interesting mentality shift for me because I've always been like,
30:04
save a doll here, save a doll here.
30:06
You know, really like my dad is the most resourceful person I've ever met.
30:10
Like I actually remember at Christmas one year, he brought a CD for me from the warehouse.
30:15
And then he printed out this illegal by the way, so please don't arrest him if you're listening
30:20
at the place or someone.
30:22
He printed out a cover for it, found a way to cut it into a circle,
30:27
like burned the disc, stuck the sticker for the CD on and gave it to me as my Christmas present.
30:32
And then returned the CD to the warehouse.
30:35
You know, as like a Monday, it's so illegal.
30:37
It's so illegal.
30:38
Sorry, sorry the warehouse.
30:39
Sorry the warehouse.
30:40
I only have a sponsor for Casper's.
30:41
But the point is, he's always been like, oh, you can get this flight between an old cheaper.
30:45
Well, book that.
30:46
Yeah.
30:47
Stan will straight for a night before your friends get that, you know, like it's really,
30:50
that's for kind of a great.
30:51
It's a great mentality though.
30:52
It is good, but it stresses me out because I'm always trying to save a dollar.
30:55
Yeah.
30:56
And I think since being here, I've sellered to value my time more than I value the money.
31:01
Yeah.
31:02
Which I think has been actually quite healthy.
31:04
Yeah.
31:05
Because I still am obsessed with trying to save money, but it's just, I think loosened the reins
31:09
a little bit for me so that I'm enjoying living here more.
31:11
Yeah.
31:12
Got you.
31:13
Nice one.
31:14
It wasn't bad.
31:15
Good episode.
31:16
Yeah.
31:17
Is that blowing our own trumpet?
31:18
Well, I think so.
31:19
I mean, I enjoyed that.
31:20
The downloads will tell us the truth.
31:21
Yeah.
31:22
If this was self-indulgent and boring, we would love some feedback.
31:26
It's quite interesting to hear what your learnings were though.
31:29
Yeah, yeah, yeah.
31:30
And also, does it sound like we hate New Zealand?
31:32
We definitely don't.
31:33
We definitely don't.
31:34
Plainian won't come back.
31:35
Not complaining, just educating.
31:37
Yeah.
31:38
Yeah, yeah, yeah.
31:39
Feedback welcome.
31:40
Thanks.
31:41
Thanks.
31:42
Bye.
31:44
Thank you so much for listening to Raising the Curve.
31:46
These conversations are designed to teach you everything that you need to know to be
31:50
better with your money.
31:51
From saving, to investing, to talking to your friends about your salaries.
31:55
And if you liked what you heard, we would love it.
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If you could hit the subscribe button, please.
32:00
Yes, please.
32:01
Leave a review.
32:02
It'll only take five seconds and it would really make our week.
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Our month.
32:07
Okay.
32:08
Lots of love.
32:09
See you soon.
32:10
Bye.
32:11
We do way of something exciting for you.
32:13
Why do we have something exciting?
32:15
Girl, do we have something exciting?
32:17
Something exciting.
32:18
Everything exciting.
32:19
We have something exciting for you.
32:20
We have the foundations of investing.
32:23
I thought for a secoon you'd forgot the name around too.
32:27
This is the best.
32:28
This is the foundations of investing course which is a six week online learning experience
32:33
with podcast, videos, reading.
32:36
All the things.
32:37
All of the things.
32:38
things, such as saving trackers, it's just like, one name it, we got it.
32:42
Sounds like an upper version.
32:44
Head to dub, dub, dub, dub.
32:46
No, all the info's in our show notes, but you can join the wait list, it's starting
32:50
on the 1st of September, and we do have limited seats for this because it is quite a big
32:57
task for that to be kind of like the teacher for everyone.
32:59
There's all sorts of things like check-ins, availability, didn't touch at any time to ask
33:03
questions, et cetera, so, and you'll learn everything from the basics of investing all
33:09
out to building your own portfolio.
33:10
So no matter what level of investing knowledge you have, there is something for you.
33:14
Yeah, no, it's a good time.
33:15
So I've started, she loved it.
33:17
I've done it twice.
33:18
I think I'm going to maybe do it every time, and then maybe I'll eventually just apply for
33:22
a job to be the teacher of the foundations of investing.
33:24
Yeah, and the next thing I'm taking will be like, what do you myself?
33:27
Imagine, I actually do feel, I feel like I could teach people about investing now.
33:31
Obviously, I wouldn't want any Q&A.
33:33
I don't want anyone asking any questions because we can't go there.
33:36
But if I was just spitting all in what I know, it is quite impressive, I must say.
33:40
Yeah.
33:41
So if you'd like to join the wait list, then find out more of either Lincoln or show notes,
33:45
and we will hopefully see you there.
33:46
The class starts on the 1st of September.
33:48
See you then.
33:48
Bye.