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FRIDAY DRINKS: G King and Jric go rogue · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. Today, it's our Friday's
• 0:30
  Speaker 2: Drinks episode, but we're taking it with a twist, as
• 0:34
  Speaker 2: some people do with their martinis. Do they do that? Maybe?
• 0:38
  Speaker 2: As as you may have noticed, this is not Victoria
• 0:42
  Speaker 2: Divine speaking. This is Georgia King speaking, and joining me
• 0:46
  Speaker 2: is the lovely Jessica Ricci. Hello, Jay Rick.
• 0:50
  Speaker 3: It's just the two of us today, Just the gals.
• 0:53
  Speaker 2: Just the gals.
• 0:54
  Speaker 3: Victoria Divine is a freaking busy lady. I tried and
• 0:58
  Speaker 3: I tried to find time in her calendar, and we
• 1:01
  Speaker 3: do normally have our standing Friday Drink day every week,
• 1:04
  Speaker 3: which we love. But this week something came up and
• 1:07
  Speaker 3: unfortunately she couldn't make it. But the show must go on,
• 1:09
  Speaker 3: and that means we get the mic.
• 1:13
  Speaker 2: We get the mic, and to kind of spice things up,
• 1:17
  Speaker 2: we thought we'd do a Q and DA with G
• 1:21
  Speaker 2: and Jay little episode. Did you like that?
• 1:25
  Speaker 3: I loved it? Rhymed, it was fun.
• 1:28
  Speaker 2: So brace yourself, guys, because over the next what are
• 1:31
  Speaker 2: you reckon? Half an hour or so? Jay Rick, We're
• 1:32
  Speaker 2: going to be answering all of your burning questions for
• 1:35
  Speaker 2: the two girls who, well, you know stuff about finance.
• 1:38
  Speaker 2: I don't really know that much, but you know, I'm
• 1:40
  Speaker 2: a nice girl, a nice lady.
• 1:44
  Speaker 3: We're going to do our best. Victoria Divine, if you're listening,
• 1:48
  Speaker 3: I kind of hope that you aren't, because we did
• 1:49
  Speaker 3: this without permission. Please be kind to us. Were as
• 1:53
  Speaker 3: you say, we're doing our best, but we are also
• 1:56
  Speaker 3: not financial advisors.
• 1:57
  Speaker 2: All right, jess where do we start? I guess we'll
• 2:00
  Speaker 2: by talking about the pods that were this week. So
• 2:04
  Speaker 2: kick us off with a little recap of Money Diaries.
• 2:06
  Speaker 2: So on Monday, it was Tony's last episode. She's headed
• 2:11
  Speaker 2: off to work on other things, which we're so excited
• 2:13
  Speaker 2: and proud of her for. So the girl spoke to
• 2:16
  Speaker 2: a diarist who immigrated from Brazil to Australia to be
• 2:21
  Speaker 2: with her long distance partners. They've been doing long distance
• 2:24
  Speaker 2: for a year and her partner was from New Zealand,
• 2:26
  Speaker 2: so they've both moved here with no experience, fresh start,
• 2:30
  Speaker 2: no savings. They are actually ten k in debt and
• 2:35
  Speaker 2: so coming from that their own lives, all of a
• 2:37
  Speaker 2: sudden they're living together they've moved to a new city,
• 2:39
  Speaker 2: they've paid off their debt, they have savings. Now, they're
• 2:42
  Speaker 2: absolutely kicking goals and it was just really cool to
• 2:46
  Speaker 2: hear about. I guess their journey to now. I mean
• 2:49
  Speaker 2: everybody has a really interesting journey, of course, but I
• 2:52
  Speaker 2: think making such a significant life change and then they
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  Speaker 2: ended up on top. They now have a six figure
• 2:58
  Speaker 2: investment portfolio together.
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  Speaker 3: Really great one. I highly recommend it.
• 3:01
  Speaker 2: It sounds like there was lots in there.
• 3:03
  Speaker 3: To our park absolutely. What did you guys chat about
• 3:06
  Speaker 3: on Wednesday?
• 3:07
  Speaker 2: Wednesday was another jolly festive episode.
• 3:10
  Speaker 3: Jayree, can you tell I had control?
• 3:14
  Speaker 2: There is a lot of crissy content coming everyone's way,
• 3:17
  Speaker 2: a fair warning. But this week we chat it about
• 3:19
  Speaker 2: sustainable gifting, which was really interesting because obviously last week
• 3:24
  Speaker 2: we spoke about the Twelve Saves of Christmas, and it
• 3:27
  Speaker 2: was really great to find out ways of cutting back
• 3:30
  Speaker 2: on the crazy spending that we all do at Christmas,
• 3:33
  Speaker 2: but tackling it from a sustainability perspective was super super interesting.
• 3:39
  Speaker 2: I thought it would be cute to reel off some stats.
• 3:42
  Speaker 3: Here for you, Jayrey.
• 3:43
  Speaker 2: Oh, you haven't listened to the B episode yet, So
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  Speaker 2: the amount of waste we produce increases by thirty percent
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  Speaker 2: at Christmas time. Wow, that's a lot.
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  Speaker 3: That is so much, especially when you think that I, like,
• 4:00
  Speaker 3: I wouldn't know the start off the top of my head.
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  Speaker 3: I am no winner as good as you, but like,
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  Speaker 3: on average, the amount of waste that we produce now
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  Speaker 3: is compared to ten years ago, has increased astronomically already,
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  Speaker 3: So to chuck another thirty percent on top of that
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  Speaker 3: is insanity. Oh, it's insane.
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  Speaker 2: And a massive part of that day, which comes from plastic,
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  Speaker 2: which makes a lot of sense. We produce one hundred
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  Speaker 2: and twenty five thousand tons of waste just from plastic
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  Speaker 2: packaging at this time of year, and we spend an
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  Speaker 2: extra five hundred and fifty four million dollars on food
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  Speaker 2: at this time and a third of that goes to waste.
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  Speaker 3: So there's a lot going on, especially when you think
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  Speaker 3: about not everyone's You know, it's a time to be
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  Speaker 3: with people you love and enjoy, but it does break
• 4:45
  Speaker 3: my heart a little bit thinking about the people who
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  Speaker 3: aren't so fortunate, and especially when there's so much going
• 4:51
  Speaker 3: to waste. I totally get wanting to do a big doo,
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  Speaker 3: especially after the last couple of years that we've had.
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  Speaker 3: But I would really encourage people if you do have
• 4:59
  Speaker 3: a excess of things. I know it's really hard to do,
• 5:03
  Speaker 3: but if there's a way to pass that on to
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  Speaker 3: someone less fortunate. There's food banks that are always looking
• 5:07
  Speaker 3: for things. At this time of year, heaps of great
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  Speaker 3: charities are looking for donations. Maybe we could pop a
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  Speaker 3: thread up actually in the group today about giving back
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  Speaker 3: for Christmas, because I think our community is so smart
• 5:19
  Speaker 3: and there are always people whenever we mentioned something on
• 5:21
  Speaker 3: the pot being like, oh I wonder if that's a thing,
• 5:23
  Speaker 3: there's always people that have the answer. So I'll check
• 5:25
  Speaker 3: that up in the FACY group today. If you're not
• 5:27
  Speaker 3: a part of it, let's get that chat going because
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  Speaker 3: it's been a tough time, you know, for everybody.
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  Speaker 2: Yeah, definitely, definitely, And yeah, guys, do listen to that
• 5:36
  Speaker 2: episode if you need tips, if you're still getting your
• 5:39
  Speaker 2: holiday gifting together. There were lots of kind of ideas
• 5:42
  Speaker 2: in there to help you out as to how you
• 5:44
  Speaker 2: can do it sustainably, So give it a listen. We
• 5:46
  Speaker 2: love it amazing.
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  Speaker 3: Now normally we would do a bit of a deep
• 5:50
  Speaker 3: dive into a thing and gee, you and I would
• 5:53
  Speaker 3: be the ones bringing to questions. Victoria would be the
• 5:55
  Speaker 3: one doing the answering.
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  Speaker 2: She certainly would.
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  Speaker 3: Neither of us are shall we say, finance experts.
• 6:02
  Speaker 2: I feel like you're getting their doll I remember last
• 6:05
  Speaker 2: week you had all the tips and tricks.
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  Speaker 3: My best, but I'm no Victoria Divine. But what I
• 6:10
  Speaker 3: thought we could do instead? I checked a post up
• 6:12
  Speaker 3: on Instagram today and asked people to ask us some questions.
• 6:14
  Speaker 3: I did throw the caveat in that we are not
• 6:17
  Speaker 3: as knowledgeable as Victoria, but I thought maybe we could
• 6:20
  Speaker 3: run through, do a bit of a Q and a
• 6:22
  Speaker 3: what do you reckon? We love? We love? All right,
• 6:25
  Speaker 3: let me have a scroll through and hit you with
• 6:27
  Speaker 3: some questions.
• 6:28
  Speaker 2: I'm sweaty, yeah.
• 6:30
  Speaker 3: It's really hot today. Should we start off with a nice,
• 6:34
  Speaker 3: a nice simple one. What are your big money goals?
• 6:36
  Speaker 3: Shi King? Tell me about you?
• 6:38
  Speaker 2: Okay, I think despite everything I've learned over the last
• 6:45
  Speaker 2: two years from being involved with Shoes on the Money,
• 6:48
  Speaker 2: I think home ownership is still probably the number one
• 6:53
  Speaker 2: big money goal, as I know it is for you.
• 6:56
  Speaker 2: I'd say that's that's my biggest goal, and then I
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  Speaker 2: I think starting investing the proper way like the step above.
• 7:05
  Speaker 2: Micro investing, I think would be my second big money goal.
• 7:09
  Speaker 3: How about you check on your home ownership journey, because
• 7:12
  Speaker 3: as you say, it's also I'm exactly in the same
• 7:15
  Speaker 3: boat as you. That's my big goal right now, and
• 7:17
  Speaker 3: I know it's so overwhelming. We actually put a post
• 7:20
  Speaker 3: up on the property Playbooks Instagram this week. The property
• 7:23
  Speaker 3: market has been projected by Westpac to have increased twenty
• 7:26
  Speaker 3: two percent in the last twelve months. Yeah, that is
• 7:30
  Speaker 3: so much, and especially when we're talking about large sums
• 7:34
  Speaker 3: of money. You know, it blows my mind that a
• 7:37
  Speaker 3: pretty average house I'm looking an hour outside of the
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  Speaker 3: city is still over half a million dollars. You're looking
• 7:45
  Speaker 3: at between five hundred and six hundred thousand dollars for
• 7:48
  Speaker 3: just a really basic home, which the prices, you know,
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  Speaker 3: getting that deposit together can be so hectic.
• 7:56
  Speaker 2: Yeah, yeah, it's insane. I feel like I feel like
• 8:00
  Speaker 2: for me, I'm just and I feel like regular listeners
• 8:03
  Speaker 2: to the podcast would definitely know that I still plan
• 8:06
  Speaker 2: to live overseas sometime soon, hopefully COVID depending, So I
• 8:12
  Speaker 2: think for me, I'll move overseas so one or two
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  Speaker 2: years and then hopefully come back. Hopefully the market has
• 8:19
  Speaker 2: crashed and I can just jump in there, buy myself
• 8:22
  Speaker 2: a hot little mansion and then go from there. But yeah,
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  Speaker 2: I think I'm kind of just I've got like a
• 8:29
  Speaker 2: nice little deposit there for when I need it, and then, yeah,
• 8:33
  Speaker 2: when it comes time, hopefully I'll actually be able to
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  Speaker 2: afford something halfway decent. Tell me about your home journey
• 8:41
  Speaker 2: so far, Jess, I.
• 8:43
  Speaker 3: Feel like I'm getting to the pointy end. I am
• 8:45
  Speaker 3: currently waiting to get my pre approval back, which is
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  Speaker 3: super exciting. I've been chatting to a mortgage broker, I've
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  Speaker 3: been listening to all the Property Playbook episodes, which has
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  Speaker 3: been super helpful. I definitely have an advantage in that
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  Speaker 3: I have direct access from Victoria and can ask them
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  Speaker 3: all of my dulous questions. But yeah, once I get
• 9:03
  Speaker 3: that pre approval back, in an ideal world, that process
• 9:07
  Speaker 3: will run through startup next year, which is exciting. I'm
• 9:11
  Speaker 3: I'll probably be building just because in terms of the cost,
• 9:15
  Speaker 3: I want to take advantage of the grants that are
• 9:17
  Speaker 3: available for first home owners in Victoria, and the stipulation
• 9:21
  Speaker 3: there is that it needs to be a new home
• 9:23
  Speaker 3: that hasn't been occupied before, So building is looking like
• 9:27
  Speaker 3: the way to go for me. But finding land is
• 9:30
  Speaker 3: really hard. Picking a builder is really hard. The whole
• 9:34
  Speaker 3: thing is just really hard. So everybody keep your fingers
• 9:37
  Speaker 3: crushed for me that my pre approval comes through. But yeah,
• 9:41
  Speaker 3: we'll see how we go.
• 9:42
  Speaker 2: That's so exciting.
• 9:44
  Speaker 3: It is exciting but also very overwhelming.
• 9:47
  Speaker 2: Yeah, for sure, such an adult now, Jay Rick, that's
• 9:50
  Speaker 2: a very adult moment.
• 9:52
  Speaker 3: I think so. But Steph asked us would love to
• 9:55
  Speaker 3: hear how you girls have changed your financial life since
• 9:58
  Speaker 3: working at Share for the Money. And I know you
• 9:59
  Speaker 3: said before that you despite everything, you're kind of just
• 10:04
  Speaker 3: plodding along, which I really admire. But have you made
• 10:08
  Speaker 3: any changes at all if you think back? Obviously you're
• 10:10
  Speaker 3: the ogg king. You've been here, you know, the longest
• 10:13
  Speaker 3: out of everybody. Has there been anything that you've kind
• 10:16
  Speaker 3: of changed or learned there has had a big impact
• 10:19
  Speaker 3: on you.
• 10:19
  Speaker 2: Oh, that's a good question. It's a really good question.
• 10:23
  Speaker 3: I think.
• 10:25
  Speaker 2: I think something I've really learned over the last two
• 10:27
  Speaker 2: years is to kind of go more easily on myself
• 10:31
  Speaker 2: when it comes to spending money. I'm a dirty hoarder
• 10:37
  Speaker 2: and I like to hold on to my cash. So
• 10:42
  Speaker 2: over the last kind of couple of years, I've let
• 10:45
  Speaker 2: myself spend my money and realized, George, you work so hard.
• 10:49
  Speaker 3: Absolutely you do. Yeah.
• 10:51
  Speaker 2: So I think that's probably one of the biggest things
• 10:53
  Speaker 2: that's changed for me that I'm weirdly proud of. It's
• 10:56
  Speaker 2: kind of like a reverse it's not what you would expect.
• 10:58
  Speaker 2: I guess it's really good.
• 10:59
  Speaker 3: I think, especially this time of year when people have
• 11:02
  Speaker 3: been working so hard, it can feel really confronting to
• 11:05
  Speaker 3: all of a sudden be just making a rain on
• 11:07
  Speaker 3: Christmas presents and dinner, yeah, all that stuff. So I
• 11:09
  Speaker 3: think it's really great that you, yeah, are a bit
• 11:12
  Speaker 3: more comfortable doing that and obviously doing it responsibly, but
• 11:14
  Speaker 3: not restricting yourself super significantly either, because you do deserve
• 11:18
  Speaker 3: to enjoy your life and to some externally, the money
• 11:21
  Speaker 3: is there to be spent. I mean, don't get crazy,
• 11:22
  Speaker 3: but yeah, what's life if you don't enjoy.
• 11:24
  Speaker 2: It, you know, and that's it.
• 11:26
  Speaker 3: That's it.
• 11:26
  Speaker 2: I think the other key thing I would say there
• 11:29
  Speaker 2: as well, is like an increased level of self respect
• 11:33
  Speaker 2: and self worth. And I feel like that's something that
• 11:35
  Speaker 2: VICKI d get over here girl, but from a finance perspective,
• 11:42
  Speaker 2: like I think, especially as a freelancer, there's always that
• 11:45
  Speaker 2: tendency to undervalue yourself and not really know what you're worth.
• 11:49
  Speaker 2: But Victoria has really helped me and I hope a
• 11:53
  Speaker 2: lot of our listeners to realize that, like it's a
• 11:55
  Speaker 2: really good thing to talk about money, have conversations, own
• 11:59
  Speaker 2: your worth, and then ad tax as she says. So
• 12:02
  Speaker 2: I think that's probably they're my true big key learnings
• 12:06
  Speaker 2: from the last two years. Donny, how about you, Jesse?
• 12:09
  Speaker 3: Jesse?
• 12:10
  Speaker 2: I've never called you Jesse. Do people call you Jesse?
• 12:13
  Speaker 3: No. The only person who really ever has is a
• 12:16
  Speaker 3: guy I used to work with, and it was super
• 12:18
  Speaker 3: weird vibe it at all. But I think for me
• 12:23
  Speaker 3: there's kind of two things, and the first one is
• 12:25
  Speaker 3: probably more so from not from working here, but from
• 12:29
  Speaker 3: she's on the money, because we've said before, I came
• 12:31
  Speaker 3: from the community. That's how I got this job. But
• 12:34
  Speaker 3: it was paying down your debt. I paid off eight
• 12:37
  Speaker 3: thousand dollars of credit card debt in a matter of
• 12:40
  Speaker 3: six months after listening to the pod, just by realizing
• 12:43
  Speaker 3: that I had terrible habits and I had initially gotten
• 12:48
  Speaker 3: that card as you know, an emergency came up. I
• 12:51
  Speaker 3: was due to go overseas. My car just carcked it
• 12:54
  Speaker 3: and I couldn't afford to pay for it, so I
• 12:56
  Speaker 3: got a card and put it on that, and then
• 12:59
  Speaker 3: it was just incremental spending of being like, oh, I'm out,
• 13:03
  Speaker 3: don't have money in my account, I don't have reception.
• 13:04
  Speaker 3: I should put on the credit. I can't pay it back.
• 13:06
  Speaker 3: And then obviously those things just snowball so quickly, and
• 13:09
  Speaker 3: I found myself with this debt and at the time,
• 13:11
  Speaker 3: I was trying to save, and I thought I was
• 13:14
  Speaker 3: doing really well because I loved seeing the numbers going
• 13:16
  Speaker 3: up in my savings account. And then listening to the pod,
• 13:19
  Speaker 3: I heard Victorious say once if you have debt and savings,
• 13:21
  Speaker 3: you don't have savings because you're actually robbing future you
• 13:24
  Speaker 3: with the interest and the line of credit and all
• 13:27
  Speaker 3: of that stuff. And so I once I heard that,
• 13:30
  Speaker 3: I was like, oh my gosh, what have I been doing?
• 13:32
  Speaker 3: And I paid it down really aggressively. But that mindset
• 13:36
  Speaker 3: of having needless credit is actually quite detrimental to your finances.
• 13:40
  Speaker 3: Even if your savings are going up, it's not necessarily
• 13:43
  Speaker 3: putting you in the best position that you could be in.
• 13:46
  Speaker 3: And so that's something that really stuck with me. And
• 13:47
  Speaker 3: then I think the other thing is just investing consistently.
• 13:51
  Speaker 3: I had never thought about investing ever in my life,
• 13:54
  Speaker 3: as far as I'm aware, My family never invested. It.
• 13:58
  Speaker 3: Just money wasn't something that was spoken of a lot.
• 14:00
  Speaker 3: I just knew it was a really significant stressor in
• 14:03
  Speaker 3: my family, and so the idea of creating wealth was
• 14:06
  Speaker 3: not something that had ever crossed my mind. Like I
• 14:09
  Speaker 3: thought I was doing well to just you know, have
• 14:12
  Speaker 3: paid off my debt and be like wow, great, like
• 14:14
  Speaker 3: that's a big thing. And then my eyes were just
• 14:16
  Speaker 3: open to this whole world of things that I had
• 14:19
  Speaker 3: never spoken or heard about. And then obviously being around
• 14:22
  Speaker 3: it all the time in the office, we talk about
• 14:24
  Speaker 3: investing in the market and the community does as well,
• 14:27
  Speaker 3: and just realizing the value of even if it's a
• 14:29
  Speaker 3: small about even if I'm chucking fifty bucks into my
• 14:33
  Speaker 3: space ship every month, that consistency means that I'm getting
• 14:37
  Speaker 3: the most of dollar cost averaging and I'm getting the
• 14:39
  Speaker 3: most of my money, and if I leave it there,
• 14:41
  Speaker 3: which is my intention, it'll just chug away on its
• 14:44
  Speaker 3: own and kind of generate its own money, which is incredible.
• 14:48
  Speaker 3: You not me.
• 14:49
  Speaker 2: That's how one knew exactly.
• 14:51
  Speaker 3: I know.
• 14:51
  Speaker 2: I feel like before she's on the money, I definitely
• 14:54
  Speaker 2: fell into the camp of thinking that investing was like gambling,
• 14:57
  Speaker 2: like why would you do that safe? But yeah, that's
• 15:02
  Speaker 2: been such a learning curve and I feel like, hopefully
• 15:05
  Speaker 2: the pod has helped and the community has helped people
• 15:08
  Speaker 2: come around to the idea of investing in. Now you know,
• 15:11
  Speaker 2: there's a whole cohort of us who are going to
• 15:13
  Speaker 2: be rich. We're all going to be rich. That's the end,
• 15:17
  Speaker 2: We're all going to be Yeah. That ended poorly from George,
• 15:21
  Speaker 2: but that's okay. What's our next question?
• 15:23
  Speaker 3: Jay Rick? The next one is unsurprisingly Christmas themed. Would
• 15:27
  Speaker 3: you expect any less from me at this time? Yeah?
• 15:31
  Speaker 3: But Sophie asked, how are we going with our Christmas budgets?
• 15:34
  Speaker 3: She said, if we're comfortable sharing, don't have to put
• 15:36
  Speaker 3: a dollar while you want it. But how are you going?
• 15:38
  Speaker 3: I know that we spoke a couple of weeks ago
• 15:40
  Speaker 3: about the fact that, you know, the blowouts are feeling
• 15:43
  Speaker 3: a bit big coming off the back of another lucky
• 15:46
  Speaker 3: d Are you feeling on track? Are you feeling comfortable.
• 15:52
  Speaker 2: I'm I'm feeling comfortable. I'm actually really excited with what
• 15:56
  Speaker 2: I have got planned for all of my family members.
• 15:59
  Speaker 2: We're not doing a KK this year, which is maybe
• 16:02
  Speaker 2: a bad thing for my bank account, but I think
• 16:05
  Speaker 2: it's it has been such a weird year yet again,
• 16:08
  Speaker 2: and I kind of I want to express my love
• 16:12
  Speaker 2: for my family in a material way.
• 16:15
  Speaker 3: To do that, sometimes it's okay to do that.
• 16:17
  Speaker 2: Sometimes.
• 16:17
  Speaker 3: Gifting is one of my top love languages. Phasicly, Yeah,
• 16:21
  Speaker 3: if you anyone listening the five love languages that this
• 16:23
  Speaker 3: test you can do. It kind of tells you how
• 16:25
  Speaker 3: you like to display and receive love. It's quite insightful.
• 16:28
  Speaker 3: But yeah, gifting is one of my top love languages.
• 16:30
  Speaker 3: And I fully get you where you're like, it's been
• 16:32
  Speaker 3: a rough year. I haven't seen you. I just want
• 16:34
  Speaker 3: to give you love in the form of something for simple,
• 16:37
  Speaker 3: not just a hug, And yeah, that's okay as well.
• 16:40
  Speaker 3: Like I know, we talk about saving and on the
• 16:42
  Speaker 3: pod we've spoken about like doing it sustainably, doing it affordably,
• 16:45
  Speaker 3: which are all important things to consider, but also if
• 16:49
  Speaker 3: it's within your means and it brings you joy, I
• 16:51
  Speaker 3: don't think that it's a bad thing to sure want
• 16:54
  Speaker 3: to share that with your loved ones.
• 16:56
  Speaker 2: And there's ways to do it as well. Like, for example,
• 16:59
  Speaker 2: when we were talking about Black Friday, and I was like,
• 17:02
  Speaker 2: I didn't buy anything for myself, but I used those
• 17:05
  Speaker 2: sales to like get ahead and get some some hot
• 17:07
  Speaker 2: deals for the gifts. So yeah, I feel like I
• 17:10
  Speaker 2: feel like my budget was kind of I don't know,
• 17:12
  Speaker 2: I feel like I've blown it out a little bit,
• 17:13
  Speaker 2: but I'm not too stressed about it. Yeah, how about you.
• 17:18
  Speaker 3: I have definitely blown out a little bit. Black Friday
• 17:21
  Speaker 3: got me good with things for the most part that
• 17:24
  Speaker 3: I needed and gifts, but still a little more than
• 17:27
  Speaker 3: I kind of expected. But I think, as you said earlier,
• 17:31
  Speaker 3: I'm trying to be gentle on myself. I have saved
• 17:33
  Speaker 3: a lot of money this year with the lockdowns, which
• 17:35
  Speaker 3: has been a fortunate byproduct of an unfortunate situation, and yeah,
• 17:41
  Speaker 3: like things for myself, things for my friends that same
• 17:44
  Speaker 3: as you, I just I kind of want to make
• 17:47
  Speaker 3: the end of this year a really good one. It's
• 17:48
  Speaker 3: been pretty hectic at the She's on the money office,
• 17:51
  Speaker 3: as it has been everywhere, and I'm just kind of
• 17:54
  Speaker 3: looking forward to having a good time, and so yeah,
• 17:58
  Speaker 3: I've had to let go a little bit. I'm usually
• 18:00
  Speaker 3: really strict on my budget, but I've tried to ease
• 18:03
  Speaker 3: back a little bit and let myself do that. Good.
• 18:07
  Speaker 3: I have another budgeting question for you. Actually, at this one,
• 18:10
  Speaker 3: you said you were thinking about moving overseas Ebaniewe. Let's
• 18:13
  Speaker 3: just talk about budgeting for moving overseas and not working.
• 18:17
  Speaker 3: And I know that you guys did a podcast episode
• 18:20
  Speaker 3: on this, so definitely worth at least in ebony. But
• 18:23
  Speaker 3: have you I know that obviously moving overseas is right
• 18:27
  Speaker 3: now a distant, hopeful thought, but how much have you
• 18:31
  Speaker 3: thought about it? How kind of prepared are you getting
• 18:34
  Speaker 3: knowing that this is something that you want to do.
• 18:36
  Speaker 3: Good question.
• 18:37
  Speaker 2: Look, as I think I've said on the pod before
• 18:40
  Speaker 2: as well, I have wanted to do this since before
• 18:44
  Speaker 2: I was on the podcast for a good three or
• 18:47
  Speaker 2: four years maybe, and then like I got a good
• 18:50
  Speaker 2: job and I was like, I'll stick around for this
• 18:52
  Speaker 2: and I'll go later, and then the penny d happened
• 18:55
  Speaker 2: and here we are. So it's still you know, it
• 19:00
  Speaker 2: still does depend on what is going to happen in
• 19:03
  Speaker 2: the world over the next few months. So what I've
• 19:06
  Speaker 2: kind of set myself up with is this decent amount
• 19:09
  Speaker 2: of savings that I'll kind of dedicate to like a
• 19:11
  Speaker 2: London account. So I've kind of got that little nest
• 19:16
  Speaker 2: egg there already. And then when it comes time, like
• 19:19
  Speaker 2: this isn't something I'm going to be doing next week.
• 19:21
  Speaker 2: I think when it closes in on maybe like the
• 19:25
  Speaker 2: two to four months out from the actual process, that's
• 19:28
  Speaker 2: when I'll start seeing where I'm at, looking at apartments
• 19:32
  Speaker 2: and visas and jobs and all of that. But we'll
• 19:35
  Speaker 2: see how we go. I'm not too far into that
• 19:38
  Speaker 2: process yet. It's still a bit of a pipe dream,
• 19:41
  Speaker 2: but we will see.
• 19:42
  Speaker 3: I love that. I think you'll have the best time.
• 19:44
  Speaker 3: I could just see you being one of those really cool,
• 19:46
  Speaker 3: mysterious girls that sits in a cafe writing in a notebook,
• 19:50
  Speaker 3: sipping on a coffee in like some European country.
• 19:53
  Speaker 2: No, I'll be in like Starbucks, using their Wi Fi
• 19:55
  Speaker 2: on Facebook or something.
• 20:00
  Speaker 3: Next question, do you think it's worth having two jobs?
• 20:03
  Speaker 3: Say one full time and then one casual on the weekends.
• 20:06
  Speaker 3: You're a freelancer, gee, so you I feel like, have
• 20:09
  Speaker 3: a good perspective on this.
• 20:11
  Speaker 2: Yeah, gosh, I feel like I'm hugging all of the
• 20:13
  Speaker 2: answers here, Jessica. Do I think it's a good idea.
• 20:19
  Speaker 2: It depends. It depends what you're doing it for. I
• 20:22
  Speaker 2: would say, so if you're doing it for career progression,
• 20:26
  Speaker 2: then I would say big ticks. If you're doing it
• 20:29
  Speaker 2: for financial reasons because you are very keen to get ahead,
• 20:33
  Speaker 2: or if you need to do it, then of course
• 20:35
  Speaker 2: do it. But I would say it's definitely a trade off.
• 20:39
  Speaker 2: Like at the moment, I work full time and then
• 20:42
  Speaker 2: I do shees on the money and I've just finished
• 20:44
  Speaker 2: my masters, and I have to say, like this year
• 20:47
  Speaker 2: has been a slog It's it's been really hard to
• 20:51
  Speaker 2: juggle all of that. And I think, you know, if
• 20:54
  Speaker 2: I had my time again, I don't know that I
• 20:56
  Speaker 2: would work as much as I have. And I'm only
• 20:58
  Speaker 2: at the start of my career. Like who cares, I
• 21:01
  Speaker 2: don't have kids or anything like that. Like I'm a
• 21:04
  Speaker 2: very I can be selfish and self centered and put
• 21:06
  Speaker 2: energy into my career. But I think it does it
• 21:09
  Speaker 2: does take a toll on your friendships and you know,
• 21:14
  Speaker 2: your romantic relationships, so you just you need to know
• 21:16
  Speaker 2: why you're doing it and weigh it up whether or
• 21:19
  Speaker 2: not it's going to be worth it for you. Does
• 21:21
  Speaker 2: that make sense? That felt like a ramble?
• 21:23
  Speaker 3: No, not at all. You're you finish your master's congratulations.
• 21:26
  Speaker 2: Yeah, thank you.
• 21:27
  Speaker 3: But with that happening now, do you see things easing
• 21:30
  Speaker 3: back a bit? Are you planning on maybe winding back
• 21:33
  Speaker 3: the freelance stuff a bit or are you going to
• 21:36
  Speaker 3: keep going while you can. How are you feeling, because
• 21:38
  Speaker 3: I know, juggling all that stuff sounds like a sure
• 21:41
  Speaker 3: fight way to get yourself burned out really quickly. Yeah. Yeah,
• 21:44
  Speaker 3: Do you have plans to dial it back or you're
• 21:46
  Speaker 3: going to just kind of ride the way for a bit?
• 21:48
  Speaker 2: Look, the honest answer is I'm working on the cricket,
• 21:52
  Speaker 2: so I'm going to be working every day until February,
• 21:55
  Speaker 2: but except for Christmas Day, so that's good. But when
• 21:58
  Speaker 2: we get there, like I pretty much just have a
• 22:00
  Speaker 2: view to go on a holiday in like March and
• 22:04
  Speaker 2: I'm just gonna sit on a beach. I'm going to
• 22:06
  Speaker 2: drink a cocktail and cry. I don't know, No, you'll
• 22:12
  Speaker 2: be happy.
• 22:12
  Speaker 3: Yeah, yeah, true, I think so.
• 22:15
  Speaker 2: But yeah, that's I think when I get to that point,
• 22:18
  Speaker 2: then I'll reassess. But for now it's just kind of
• 22:20
  Speaker 2: head down, bum up, and push on. But yeah, is
• 22:26
  Speaker 2: it admirable?
• 22:27
  Speaker 3: I don't know.
• 22:27
  Speaker 2: I feel like working too hard.
• 22:30
  Speaker 3: I don't know about it. As you said, I think
• 22:32
  Speaker 3: it's good if it gets you where you need to go.
• 22:36
  Speaker 3: Like I only stopped working two jobs at the end
• 22:40
  Speaker 3: of last year. I had always worked full time and
• 22:43
  Speaker 3: then also worked in a retail setting because I've worked retail.
• 22:48
  Speaker 3: That was my first job. I've worked retail since I
• 22:50
  Speaker 3: was fourteen and nine months, and as I got older,
• 22:54
  Speaker 3: I always just kept it as a job on the
• 22:55
  Speaker 3: side for a little bit extra cash. I'd work on
• 22:57
  Speaker 3: a Sunday because the Sunday rates Yeah, on point, And
• 23:01
  Speaker 3: even there it's nowhere near the workload like what you've
• 23:04
  Speaker 3: done this year. But even that I found quite challenging,
• 23:08
  Speaker 3: especially the last few years when as I've kind of
• 23:10
  Speaker 3: grown more into a career role and I'm taking on
• 23:13
  Speaker 3: more responsibility and my workload's a lot higher, not having
• 23:16
  Speaker 3: that time to yourself can be really taxing, definitely, and
• 23:20
  Speaker 3: there are absolutely benefits to it. The biggest one for
• 23:22
  Speaker 3: me was financial, and that's why I did it. But yeah,
• 23:27
  Speaker 3: it can be really hard. It can also be really hard,
• 23:29
  Speaker 3: I think managing two sets of workplace dynamics, which I
• 23:33
  Speaker 3: think is a bit of a weird something you wouldn't
• 23:35
  Speaker 3: necessarily think about so much, but especially for me, Like
• 23:40
  Speaker 3: I was older. I am twenty seven, and I was
• 23:42
  Speaker 3: working retail at the good old House of g Glassons
• 23:45
  Speaker 3: for anyone out there, did you I worked there for
• 23:48
  Speaker 3: like six years, but it was really hard because it
• 23:51
  Speaker 3: got to the point where I was kind of a
• 23:52
  Speaker 3: little bit older than a lot of the girls that
• 23:54
  Speaker 3: work their fashion retail. It's often young girls. They like
• 23:57
  Speaker 3: that they can pay the minimum wage. I have a
• 23:59
  Speaker 3: lot of thoughts feelings on this, yeah, And I mean
• 24:02
  Speaker 3: it was great, like I worked with wonderful people, but
• 24:05
  Speaker 3: it got to the point where I was just like,
• 24:07
  Speaker 3: this is so far removed from my normal job, from
• 24:11
  Speaker 3: my normal I guess vibes and people that I work
• 24:15
  Speaker 3: with that I felt quite out of place. And I
• 24:17
  Speaker 3: don't know if that's a common thing, and it's no
• 24:19
  Speaker 3: reflection on the people that were there. It just was
• 24:21
  Speaker 3: very much like we were at completely different stages of life.
• 24:25
  Speaker 3: And so, you know, I, on one hand, am working
• 24:28
  Speaker 3: in a career role doing things that are really important
• 24:31
  Speaker 3: to me, and then I'm standing behind a counter and saying, Hi,
• 24:34
  Speaker 3: do you want to buy a two dollars tote bag
• 24:36
  Speaker 3: to go with your jeans?
• 24:38
  Speaker 2: I hate it when they asked me that question.
• 24:40
  Speaker 3: I'm a real sucker for it as well because I
• 24:42
  Speaker 3: had to do it for so long. So I just
• 24:44
  Speaker 3: know and I'm like, fine, kap eyes up. There's also
• 24:48
  Speaker 3: that factor as well. I think keeping track of true
• 24:52
  Speaker 3: sets of like social things. You know, there's every workplace
• 24:56
  Speaker 3: has its own little political kind of structure and things
• 24:58
  Speaker 3: that are going on, and keeping track of all that
• 25:00
  Speaker 3: can peel a lot as well. So yeah, yeah, I
• 25:03
  Speaker 3: think you're right. It depends on what it is. It
• 25:04
  Speaker 3: depends on what you do. I don't know that ears work,
• 25:07
  Speaker 3: to be honest, all that helpful with that question. I'm
• 25:09
  Speaker 3: just a big life story style.
• 25:11
  Speaker 2: But no, I think privilege does come into this discussion
• 25:16
  Speaker 2: for sure, And like if you need to work that
• 25:19
  Speaker 2: extra job to put food on the table, then do
• 25:22
  Speaker 2: it for sure. Like you know, it was naive of
• 25:25
  Speaker 2: me just to go straight to the career point perspectives.
• 25:28
  Speaker 3: That was naive. No, you're absolutely right, You're I should
• 25:31
  Speaker 3: have said that before as well. It's it's a very
• 25:33
  Speaker 3: fortunate position to be in where I'm saying I'm working
• 25:36
  Speaker 3: for money rather than I'm working to feed myself or
• 25:40
  Speaker 3: to feed my family. Yeah, and I think doing that
• 25:42
  Speaker 3: and all of my little complaints that I just made
• 25:45
  Speaker 3: so much respect for working parents and people who who
• 25:50
  Speaker 3: do do that, because it's so common for people out
• 25:52
  Speaker 3: there to have to work incredibly hard just to get by.
• 25:56
  Speaker 3: And I have so much admiration for people like that.
• 25:59
  Speaker 3: All RIGHTY going to be a little selfish here for
• 26:01
  Speaker 3: it because someone asked a question for me which I
• 26:03
  Speaker 3: was very bad. Kate asked what does my pet budget
• 26:06
  Speaker 3: look like? And then she said, I just want to
• 26:08
  Speaker 3: give just an excuse to talk about Daisy. Thank you
• 26:11
  Speaker 3: so much, because I don't do it often enough. Everyone's
• 26:14
  Speaker 3: probably sticker hearing about my cat at this point. If
• 26:16
  Speaker 3: you don't know, I adopted a cat this year thanks
• 26:17
  Speaker 3: to the community who helped me find her. To be honest,
• 26:22
  Speaker 3: I don't really have a pet specific budget. This is
• 26:25
  Speaker 3: actually a question that we get asked a lot about
• 26:27
  Speaker 3: budgeting for pets and pet insurance, which we considered doing
• 26:31
  Speaker 3: an episode on, but then we kind of thought it
• 26:33
  Speaker 3: might not be that interesting, but let us know. Yeah,
• 26:37
  Speaker 3: I do not have pet insurance or a pet budget,
• 26:39
  Speaker 3: so I'm actually terrible to answer both of those questions.
• 26:42
  Speaker 3: The reason I don't have pet insurance is because I
• 26:45
  Speaker 3: have enough money in my emergency fund. I did look
• 26:49
  Speaker 3: into it, and I am kind of still weighing up
• 26:52
  Speaker 3: the pros and cons. Obviously, Daisy is quite young, so
• 26:55
  Speaker 3: it's not a huge issue right now. She's also an
• 26:58
  Speaker 3: inside cat. It's probably worth no time, so it's not
• 27:01
  Speaker 3: as if she's outside picking up less things like that.
• 27:07
  Speaker 3: In terms of budgeting, she's just kind of worked into
• 27:10
  Speaker 3: my general budget, so like my allocation for groceries covers
• 27:14
  Speaker 3: food and litter and things of that nature, and then
• 27:17
  Speaker 3: my personal splurge money will occasionally be used on her,
• 27:21
  Speaker 3: like the eighty dollars water fountain I am buying her
• 27:24
  Speaker 3: for Christmas.
• 27:25
  Speaker 2: Oh my god, stop it.
• 27:28
  Speaker 3: I know that's so ridiculous, but I just couldn't help myself.
• 27:32
  Speaker 2: I need to see this. What should I google?
• 27:35
  Speaker 3: Catwater Fountain fairy Tale is the website I've been waiting
• 27:40
  Speaker 3: to see if they have a discount code come up.
• 27:42
  Speaker 3: The reason I want it is because it's clear Daisy,
• 27:45
  Speaker 3: being spoiled cat that she is, will only drink from
• 27:49
  Speaker 3: a glass. She will not drink from.
• 27:52
  Speaker 2: A Jessicaci, what do you mean?
• 27:57
  Speaker 3: You know how you have a glass of water on
• 27:58
  Speaker 3: your bedside table for you. There are true glasses of
• 28:01
  Speaker 3: water on my bedside table. There's a tall one for
• 28:03
  Speaker 3: me that she can't reach over, and there's a short,
• 28:06
  Speaker 3: fat one that she can fit her face in for
• 28:08
  Speaker 3: her so she doesn't have to get up to drink.
• 28:10
  Speaker 3: It's by the bed, Princess Daisy. I've been trying to
• 28:15
  Speaker 3: train her to drink from a bowl, which she's just
• 28:16
  Speaker 3: never done it. And I thought that these little fountains
• 28:19
  Speaker 3: they're clear, so they look like a glass, because I thought,
• 28:21
  Speaker 3: maybe she's dumb and she doesn't realize that there's water
• 28:24
  Speaker 3: in there because she can't see it. Perhaps that sounds
• 28:28
  Speaker 3: would work. She loves running water. It's so unnecessarily bougie.
• 28:31
  Speaker 3: But stuff like that, as I was saying, comes out
• 28:33
  Speaker 3: of like my splurge money. I don't pet account. That's
• 28:37
  Speaker 3: just what I know that for some people, they really
• 28:40
  Speaker 3: want to have like every kind of expense catered for,
• 28:43
  Speaker 3: which I totally understand.
• 28:45
  Speaker 2: Yeah, it's just not for me interesting. I want to
• 28:48
  Speaker 2: see content of that fountain please.
• 28:50
  Speaker 3: Oh my gosh, well, I'm going to be so mad
• 28:52
  Speaker 3: if I buy it and then she doesn't.
• 28:54
  Speaker 2: Yeah, exactly.
• 28:55
  Speaker 3: I could spend that money and she could just do
• 28:57
  Speaker 3: the classic cat thing and be like, I don't want that.
• 29:00
  Speaker 2: I'm just looking at it now. It's actually very sheep
• 29:02
  Speaker 2: what they do.
• 29:03
  Speaker 3: Beautiful.
• 29:03
  Speaker 2: They have these pet mats that I really want to get,
• 29:05
  Speaker 2: but they're also like fifty dollars and I was just,
• 29:08
  Speaker 2: pet mat, is that what they You just put it
• 29:10
  Speaker 2: like under their food so that if they're messy eat
• 29:12
  Speaker 2: it or they spill the water, it doesn't go on
• 29:14
  Speaker 2: the floor, right, Okay.
• 29:16
  Speaker 3: Honestly, probably really unnecessary. But they're beautiful, pal and I
• 29:19
  Speaker 3: want them, but I draw the line there. Yeah, okay,
• 29:23
  Speaker 3: fair cool. Alexandra asked have we got any New Year's goals?
• 29:27
  Speaker 3: Have you been thinking about it? And you yeah, is
• 29:30
  Speaker 3: it too soon? It's not.
• 29:32
  Speaker 2: I don't think it's too soon, my goodness, when nearlie
• 29:34
  Speaker 2: at the end of the year. But I would say,
• 29:37
  Speaker 2: based on the last two years, like, I think the
• 29:41
  Speaker 2: most we can do is just keep on keeping on,
• 29:44
  Speaker 2: keep smiling, keep loving, keep laughing. I just think setting
• 29:49
  Speaker 2: any kind of goal is like just setting yourself up
• 29:52
  Speaker 2: for failure? Is that that's actually very true? The real
• 30:03
  Speaker 2: George comes out when Vicki's not here.
• 30:06
  Speaker 3: Bizarre.
• 30:07
  Speaker 2: What would you say your goals are?
• 30:08
  Speaker 3: Well, I mean a house. I yeah one. It's my
• 30:12
  Speaker 3: singular focus right now. It's actually a little bit crazy
• 30:16
  Speaker 3: how much I think about it. I reckon three times
• 30:18
  Speaker 3: a day. I log onto the money Smart website and
• 30:20
  Speaker 3: just play with the mortgage repayment calculator to be like,
• 30:23
  Speaker 3: what can I do? How fast can I do it? Yeah?
• 30:26
  Speaker 3: Neagaet level.
• 30:27
  Speaker 2: That's so exciting though.
• 30:29
  Speaker 3: Yeah. So with that, and I would love to get
• 30:31
  Speaker 3: my investment portfolio, which is currently quite small, I'd love
• 30:35
  Speaker 3: to get that up to ten K. I think that
• 30:37
  Speaker 3: would be really exciting. You know, remains to be see
• 30:41
  Speaker 3: if I can do that, but that would probably be
• 30:43
  Speaker 3: my second like big one.
• 30:45
  Speaker 2: Incredible. I'm going to jump on that and say that
• 30:47
  Speaker 2: I'm also going to start investing next year.
• 30:49
  Speaker 3: How's that that's more positive? You can do it. You've
• 30:51
  Speaker 3: been saying it for so long. I really believe time
• 30:53
  Speaker 3: to take the plunge.
• 30:54
  Speaker 2: All right, hold me to it.
• 30:55
  Speaker 3: Yeah, we will remind you, Okay, so Victoria's not here.
• 30:59
  Speaker 3: I thought we could maybe try one or two financing
• 31:03
  Speaker 3: questions with the caveat that we are not financial advisors,
• 31:07
  Speaker 3: and this is also not personal advised.
• 31:08
  Speaker 2: I can see us getting some really negative Apple reviews
• 31:12
  Speaker 2: off the back of this.
• 31:14
  Speaker 3: We're playing with fire. If you think we do a
• 31:17
  Speaker 3: good job, please don't please go leave us a positive
• 31:19
  Speaker 3: Apple peat virus.
• 31:21
  Speaker 2: Yeah, exactly. If you don't, just don't worry about it,
• 31:25
  Speaker 2: just turn it off. So Julie asked, I have about
• 31:29
  Speaker 2: ten thousand dollars in commission. Should I invest it or
• 31:32
  Speaker 2: putting it into savings for a house deposit. Now, as
• 31:35
  Speaker 2: we said, this is not advice. We can't tell you
• 31:38
  Speaker 2: personally what to do, is it what you would do?
• 31:41
  Speaker 3: Maybe? Well, yeah, or even how to come to that decision.
• 31:45
  Speaker 3: I think that you know, as we were just talking
• 31:48
  Speaker 3: about you, you can have a goal, absolutely, but you
• 31:51
  Speaker 3: sometimes have to prioritize one over the other. You can
• 31:54
  Speaker 3: achieve anything, but you can't do everything, particularly all at once.
• 31:58
  Speaker 3: Is a quote that I really like. I might have
• 32:01
  Speaker 3: messed that up slightly, so apologies if I say it,
• 32:04
  Speaker 3: but I think it's really true, and especially when it
• 32:06
  Speaker 3: comes to finance, I think that sometimes you've got to
• 32:09
  Speaker 3: kind of go, Okay, this is my number one goal
• 32:13
  Speaker 3: that I am focusing on. So talking about me personally,
• 32:15
  Speaker 3: as I've been saying, the house is my goal. Investing
• 32:18
  Speaker 3: is something that's really important to me. But I have
• 32:20
  Speaker 3: scaled back the amount that I have been investing and
• 32:24
  Speaker 3: redirected that into my house deposit because for me, that's
• 32:27
  Speaker 3: my number one goal, and you know, something kind of
• 32:31
  Speaker 3: had to give to be able to get me where
• 32:32
  Speaker 3: I wanted to go in the timeframe that I wanted
• 32:34
  Speaker 3: to do it. I kind of felt like I did
• 32:36
  Speaker 3: need to pick something to focus on. That doesn't mean
• 32:39
  Speaker 3: that it's forever and once I kind of get on
• 32:42
  Speaker 3: track with that, you know, as I said before, coming
• 32:45
  Speaker 3: back to investing is something that's very important to me.
• 32:48
  Speaker 3: But I do think that maybe Julie, you kind of
• 32:52
  Speaker 3: just have to have a look at it and go
• 32:54
  Speaker 3: which goal is more important to you with investing. Obviously,
• 32:58
  Speaker 3: time in the market is money. The longer you're there,
• 33:00
  Speaker 3: the longer you have time for your money to compound.
• 33:04
  Speaker 3: But conversely, the market, as we said, is increasing exponentially,
• 33:08
  Speaker 3: so it might be quite challenging to do both. And
• 33:11
  Speaker 3: I think potentially the best way to make that decision
• 33:13
  Speaker 3: would be to really look at your goals and really
• 33:16
  Speaker 3: clearly outline what you want to achieve and in what
• 33:19
  Speaker 3: time frame, and hopefully, hopefully that will help answer your question.
• 33:23
  Speaker 3: Do you any thoughts? Do took the words out of
• 33:27
  Speaker 3: my mouth? That was so impressive? Or yes, that was
• 33:33
  Speaker 3: so good.
• 33:35
  Speaker 2: The only thing I would add to that would be,
• 33:36
  Speaker 2: maybe think about timelines. So if you're looking at buying
• 33:40
  Speaker 2: a house in ten years, then perhaps do invest that money.
• 33:44
  Speaker 2: But if we're looking at buying a house in the
• 33:46
  Speaker 2: next couple of years, maybe maybe don't do that. That's
• 33:50
  Speaker 2: what I would say. George's two cents.
• 33:52
  Speaker 3: I really like it.
• 33:52
  Speaker 2: That's a really great Thanks so much.
• 33:54
  Speaker 3: Here's one that I personally love to see. Tips for
• 33:56
  Speaker 3: finding quality items on Deep hop thrifting Facebook marketplace. How
• 34:01
  Speaker 3: don't know if it's good? Ge you and I both
• 34:03
  Speaker 3: love a secondhand bargain. If this question was good for anyone,
• 34:07
  Speaker 3: it was asked and you always are immaculately dressed your
• 34:11
  Speaker 3: style stop it. How do you find the goods? How
• 34:14
  Speaker 3: do you know?
• 34:15
  Speaker 2: Okay, so I'm I was gonna say I'm older than you.
• 34:19
  Speaker 2: I'm not. I'm not older than you. I feel older
• 34:21
  Speaker 2: than you. You're so much hippa and yell, and that's
• 34:25
  Speaker 2: not true at all. So you're like the online thrift queen,
• 34:29
  Speaker 2: whereas I'm better in store at getting down there and
• 34:33
  Speaker 2: down hitting the shop. Yeah yeah, yeah, yeah, So I
• 34:37
  Speaker 2: love a good op shop, and I think the keys
• 34:39
  Speaker 2: for me would be one, never up shop when you're hungover.
• 34:43
  Speaker 2: You will buy some heinous things that you don't need
• 34:46
  Speaker 2: and they will end up in landfill. The second's tip
• 34:49
  Speaker 2: would just be caffeination and dedication and fascination and imagination.
• 34:56
  Speaker 2: I think you when you're hitting the uppies, you've really
• 35:00
  Speaker 2: need to be dedicated to the cause. You need to
• 35:02
  Speaker 2: look in every aisle, you need to play with gender,
• 35:05
  Speaker 2: you need to have fun, and you need to be yourself.
• 35:09
  Speaker 2: So that's my big advice for up shopping and hit
• 35:12
  Speaker 2: up like the rich people's suburbs. That because the point
• 35:16
  Speaker 2: the hot old ladies. They're throwing away some fancy stuff
• 35:19
  Speaker 2: that you can pick up for three dollars.
• 35:21
  Speaker 3: And everything comes around like they would have worn it
• 35:23
  Speaker 3: fifty years ago.
• 35:25
  Speaker 2: Exactly trend now, yes, yes, yes, yes, So they're my tips.
• 35:28
  Speaker 2: What about you depop coin, Yeah, well.
• 35:31
  Speaker 3: I Yeah, I really love an online secondhand opportunity, And
• 35:35
  Speaker 3: you know, it might be the lazy option because I'm
• 35:38
  Speaker 3: not sitting there rifling through things individually. I tend to
• 35:42
  Speaker 3: stick to brands that I know, And if you've been
• 35:45
  Speaker 3: around for a little bit, you know I'm really big
• 35:47
  Speaker 3: on the concept of Facebook marketplace manifestation. I am convinced
• 35:53
  Speaker 3: I can manifest any specific thing that I want on
• 35:56
  Speaker 3: to Facebook markplace. I have done it so many times,
• 35:58
  Speaker 3: and I think that really comes down to, and it
• 36:01
  Speaker 3: goes for deepop or any other online platform as well. Keywords.
• 36:05
  Speaker 3: So if you're looking for something from a brand, have
• 36:07
  Speaker 3: the notifications on for that brand. You can do that
• 36:09
  Speaker 3: on deepop. You can do that on Facebook. It will
• 36:11
  Speaker 3: notify you whenever somebody lists something. Look for descriptions as well,
• 36:15
  Speaker 3: particularly with things like furniture. People might have bought a
• 36:18
  Speaker 3: couch and not remembered where they bought it from, so
• 36:20
  Speaker 3: instead of saying what I kia sodohom couch, it might
• 36:24
  Speaker 3: say white couch or ike couch. So like kind of
• 36:27
  Speaker 3: looking for those keywords. And then when it comes to fashion,
• 36:31
  Speaker 3: I will look for the brands that I know, particularly
• 36:35
  Speaker 3: in the sizes that I know, because the hard thing
• 36:37
  Speaker 3: about doing it online is you can't try it on. Obviously,
• 36:39
  Speaker 3: you can always onsell it though, so the risk is
• 36:42
  Speaker 3: relatively low. But if I want something, I will storm,
• 36:46
  Speaker 3: I will stalk deep Hop, Poshmark, Facebook. All of them
• 36:51
  Speaker 3: are my dress, someone actually asked in the question we
• 36:54
  Speaker 3: posted a really cute photo of me and g Someone
• 36:56
  Speaker 3: asked where the dress I was wearing is from. It's
• 36:58
  Speaker 3: from House of Ceabe. It's like a two hundred and
• 37:01
  Speaker 3: fifty dollars dress, which is so much money, but I
• 37:04
  Speaker 3: got it on deepop for one hundred and twenty bucks. Amazing.
• 37:07
  Speaker 3: I was stalking the House of cb tag on deepop
• 37:09
  Speaker 3: for weeks and weeks and weeks until they turned up.
• 37:12
  Speaker 3: So dedic dedication, imagination, sophistication, clarification.
• 37:20
  Speaker 2: I know you've nailed it.
• 37:22
  Speaker 3: Yeah, dude, maybe you should create.
• 37:24
  Speaker 2: A side hustle that's like personal buying with j Rick
• 37:27
  Speaker 2: and people come to you. They're like, sis, find me
• 37:30
  Speaker 2: this chic Nignata shirt. I don't want to pay more
• 37:33
  Speaker 2: than two hundred dollars for it. Go and then you're
• 37:36
  Speaker 2: assigned a three week period. Three to four weeks, you
• 37:39
  Speaker 2: find the atom and you send out an invoice girl
• 37:42
  Speaker 2: like that could be.
• 37:43
  Speaker 3: To be honest, I don't know if I'm that good.
• 37:45
  Speaker 3: I think you are.
• 37:46
  Speaker 2: Don't sell yourself short, but yeah.
• 37:48
  Speaker 3: Like really, I think it's as you say, the ations,
• 37:50
  Speaker 3: the dedication, the sophistication. It's just about getting out there,
• 37:55
  Speaker 3: whether you're instare or online, doing those things. Making sure
• 37:58
  Speaker 3: that there's photos, and if you're buying online, ask them
• 38:01
  Speaker 3: for photos the actual garment because people will often just
• 38:03
  Speaker 3: post the stock image from the website. Make sure that
• 38:06
  Speaker 3: you get photos of the actual thing so that you
• 38:09
  Speaker 3: can make sure that it hasn't got like tears or baby.
• 38:11
  Speaker 2: Yeah, definitely smart.
• 38:14
  Speaker 3: I reckon We've given enough that a lot of cues,
• 38:18
  Speaker 3: some questionable a's from us, a lot of fun to
• 38:21
  Speaker 3: be had around Ah, for sure, no one unless they
• 38:25
  Speaker 3: well yeah in that case. Yeah. But just before we
• 38:30
  Speaker 3: head off, we would really like to acknowledge and pay
• 38:32
  Speaker 3: respect to Australia's Aboriginal and Torros Strait islander people's the
• 38:36
  Speaker 3: traditional customes of the lands, the waterways and the skies
• 38:39
  Speaker 3: all across Australia. We thank you for sharing and for
• 38:42
  Speaker 3: carrying on the land on which we are able to learn.
• 38:45
  Speaker 3: We pay our respects to elders past and present, and
• 38:47
  Speaker 3: we share our friendship and our kindness.
• 38:50
  Speaker 2: And remember, guys, that the advice shared on She's on
• 38:52
  Speaker 2: the Money is general in nature and does not consider
• 38:55
  Speaker 2: your individual circumstances. She's on the Money exists purely for
• 38:58
  Speaker 2: educational purposes, should not be relied upon to make an
• 39:01
  Speaker 2: investment or a financial decision, especially today. And we promise
• 39:06
  Speaker 2: Victoria divine and not that She's here is an authorized
• 39:09
  Speaker 2: representative of Australia Pacific Funds Management Proprietary Limited a b
• 39:13
  Speaker 2: N three four one three two four six three two
• 39:15
  Speaker 2: five seven AFSL three three nine one five one having
• 39:19
  Speaker 2: guy bye