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3 Habits Keeping You Broke · Two Broke Chicks

• 0:00
  Speaker 1: This podcast is recorded on gaddigal Land always was, always
• 0:03
  Speaker 1: will be Aboriginal Land. Hey Chicks, I'm out and I'm
• 0:13
  Speaker 1: sal and this is two broad Chicks, the show that
• 0:15
  Speaker 1: shares tips and life that seems to make.
• 0:17
  Speaker 2: You reach in life. And welcome back baby, We're back
• 0:21
  Speaker 2: in Sydney. Can you tell? Can you hear the difference?
• 0:25
  Speaker 2: What we mean? Darling? We've picked up in English accent,
• 0:29
  Speaker 2: but no, it's good to be back. We're back, baby,
• 0:32
  Speaker 2: what's that? We are fucking back?
• 0:34
  Speaker 1: We're back and we've had some fresh epps in your
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  Speaker 1: ear holes. But in terms of being back in the
• 0:39
  Speaker 1: studio since we landed fresh off the Eurobak and we
• 0:43
  Speaker 1: will have a whole episode coming very soon about Broke
• 0:47
  Speaker 1: Chicks Guide to Europe, we just need to like brain
• 0:50
  Speaker 1: dump it all out.
• 0:52
  Speaker 2: There's a lot, there's a lot of tips that we
• 0:54
  Speaker 2: could give, so we need to finesse and also like,
• 0:56
  Speaker 2: look at all the questions that you chicks have sentenced. Yeah,
• 0:59
  Speaker 2: and there's the yeah and.
• 1:04
  Speaker 1: The loads are mainly hangovers, aren't they always?
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  Speaker 2: What was the thing that happened?
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  Speaker 1: I need you to remember this that was on the
• 1:12
  Speaker 1: same vibes as when I said I fared at the Cambridge.
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  Speaker 2: I can't remember, see this is the thing. And I
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  Speaker 2: didn't fart. My my.
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  Speaker 1: Chair strange, my chair scraped and I went to sound.
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  Speaker 2: I was like, I fared.
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  Speaker 1: I didn't see that the waiter bringing out our food
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  Speaker 1: was right behind me, and he just stopped and looked
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  Speaker 1: at me really disgusted, like really like.
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  Speaker 2: More disgusted than someone should be.
• 1:40
  Speaker 1: If they overheard you say you farted, like my chair scraped, and.
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  Speaker 2: And he didn't hear the chair scrape. We just heard that.
• 1:51
  Speaker 2: I fighted. It was so funny and then I just
• 1:54
  Speaker 2: like pissed myself and he's like, what is going on?
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  Speaker 2: It was horrible. Anyway, that is coming through.
• 2:00
  Speaker 1: But today we are going to talk about the three
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  Speaker 1: habits that are keeping you broke. And you guys love
• 2:07
  Speaker 1: the money epps, but the girlypop money epps. So that
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  Speaker 1: girl finance is the key wheel and so we're going
• 2:13
  Speaker 1: to jump straight into that. But before we do, we
• 2:15
  Speaker 1: are going to talk about our obsession of the week.
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  Speaker 2: These are my obsessions. All right, let's go, So what
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  Speaker 2: are you obsessed with? Okay, this is so random, but
• 2:29
  Speaker 2: this is one of my comfort TikTok accounts that I
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  Speaker 2: like to follow and enjoy. His account called the Nitro Bar,
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  Speaker 2: and it's a coffee shop in Rhode Island. Oh I
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  Speaker 2: think I know, I think I've seen this. Yeah, and
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  Speaker 2: they have like an amazing TikTok strategy and they'll often
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  Speaker 2: be like, Charlie XCX walks in, what are you going
• 2:53
  Speaker 2: to make her? And then the brusto will be like,
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  Speaker 2: I'll make her a blueberry marcher with blah blah blah.
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  Speaker 2: Or they'll be like, you're, ex, who did you dirty
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  Speaker 2: walked in? What are you going to make? What was
• 3:05
  Speaker 2: that one? It'll be like something that would make you
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  Speaker 2: shit your hairs in thirty seconds, Like it would be
• 3:10
  Speaker 2: something like that. That's my coffee every morning. Literally I'm like, oh,
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  Speaker 2: so a nice latte. But anyway, the night Troba, they're
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  Speaker 2: just like the team is so cute, the drinks and
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  Speaker 2: food looks amazing, and I don't think it's in Rhode Island.
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  Speaker 2: We'll put on the bucket leapt Yeah. I don't think
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  Speaker 2: I ever really wanted to go to Rhode Island or
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  Speaker 2: it was never, you know, like on my immediate hit list,
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  Speaker 2: but I'm like, I feel like it is now because
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  Speaker 2: I'd need to go be friends with them and eat
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  Speaker 2: the delicious bagels. I wonder what they would make you.
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  Speaker 2: What's yours?
• 3:42
  Speaker 1: Okay, this one's really simple, and it's basically like a
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  Speaker 1: lazy girl beauty hack that I've started incorporating into my
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  Speaker 1: routine because doing anything I put off for maybe like
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  Speaker 1: two to three months.
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  Speaker 2: Seventy five business days.
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  Speaker 1: Yeah, and that includes moisturizing. Like moisturizing as a task
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  Speaker 1: is just a massive pain in the ask your d
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  Speaker 1: And so this hack is basically to incorporate oil in
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  Speaker 1: the shower. So when you finish your shower, you put
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  Speaker 1: body oil on when your skin is still wet and
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  Speaker 1: then you dry. And my skin is so soft, and
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  Speaker 1: I had this oil sitting next to my bed, as
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  Speaker 1: like if I put it next to my bed, I'll
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  Speaker 1: put it on before bed.
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  Speaker 2: That wouldn't happen, well, because you don't want to put
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  Speaker 2: an oil on and then get into bed.
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  Speaker 1: But then as well, I don't want to put an
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  Speaker 1: oil on and then put clothes on, So like when
• 4:34
  Speaker 1: is the good time to do it? Yeah, but like
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  Speaker 1: it's really good to hydrate your skin, especially because we've
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  Speaker 1: just had winter, so it's like, yeah.
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  Speaker 2: But literally put it in the shower. Use your body
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  Speaker 2: oil in the shower.
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  Speaker 1: And you will be ready to slip and slide and
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  Speaker 1: do the huler.
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  Speaker 2: It is amazing. And a good body oil usually like
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  Speaker 2: soaks in pretty quickly as well, so you have to
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  Speaker 2: wait around for ages to your pjs on. Do you
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  Speaker 2: know who does that? Kylie Jenner and Chloe Kardashian. I
• 5:03
  Speaker 2: remember seeing like a cliff On TikTok of them talking
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  Speaker 2: about like their body moisturizer a routine or the shower
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  Speaker 2: routine or something, and I swear they both said that
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  Speaker 2: they do that, and then they both they follow up
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  Speaker 2: with a moisturizer as well. But I think if you
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  Speaker 2: struggle to put that into your routine, I haven't needed
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  Speaker 2: in the shower. It's good. I like the Frank Bod
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  Speaker 2: body oil, yes, but.
• 5:21
  Speaker 1: That one's really good. I used that to the last drop.
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  Speaker 2: Yeah that was good. But yeah, So that's what I
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  Speaker 2: would recommend everyone give a little go love it. It's
• 5:29
  Speaker 2: get into the episode, ah riety. So the three habits
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  Speaker 2: keeping you break?
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  Speaker 1: So these are like three very very easy, under the
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  Speaker 1: radar things that we have all been guilty of. So
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  Speaker 1: this is not a witch hunt.
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  Speaker 2: This is a community of witches of black mind. This
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  Speaker 2: is a coven. So this is not a witch hunt.
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  Speaker 2: This is a witch coven of broke chicks.
• 6:00
  Speaker 1: And there's I reckon I have done all of these.
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  Speaker 1: That's why the single one. Yeah, because we were like,
• 6:09
  Speaker 1: what are the three things that like? And you know what,
• 6:11
  Speaker 1: it's work in progress. Like you don't just immediately become
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  Speaker 1: good at your finances.
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  Speaker 2: It's a skill you go and you build.
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  Speaker 1: So we'll get into the first one, and it is
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  Speaker 1: the treat yourself mentality.
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  Speaker 2: Yep.
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  Speaker 1: So this is the first of the three habits that
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  Speaker 1: are keeping you broke. And as much as I love
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  Speaker 1: that scene in Parks and Wreck where they're going treat
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  Speaker 1: yourself and it's like broken with your boyfriend, had a
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  Speaker 1: bad day, it work, treat yourself, had a minor inconvenience,
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  Speaker 1: treat yourself.
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  Speaker 2: I love that and I do think it's true.
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  Speaker 1: And I don't think this message and we'll go into it.
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  Speaker 2: It's not saying you're never ever allowed to treat yourself, right,
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  Speaker 2: So yeah, basically it's like you don't have to buy
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  Speaker 2: yourself something to reward yourself every single time you feel
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  Speaker 2: good or mad or sad or angry or happy. Yeah,
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  Speaker 2: like it doesn't have to go like that doesn't have
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  Speaker 2: to be your go to respond it's fun. I'll validate
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  Speaker 2: your heat, like I'll validate you. But it's it's keeping,
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  Speaker 2: it's keeping you broke. And I think that as well.
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  Speaker 2: It's all a part of incorporating the treat yourself as
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  Speaker 2: part of your budget. Yeah, and having that be one
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  Speaker 2: small part because we can't have our entire budget just
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  Speaker 2: going towards the essentials in life because that's boring, No,
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  Speaker 2: And that's why a lot of people don't stick to
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  Speaker 2: their budget because it's.
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  Speaker 1: So regulated, it's so it's not going to anything that
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  Speaker 1: fills your cup. And again, like we say, paying your
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  Speaker 1: rent and paying your bills and all of that stuff
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  Speaker 1: is very important, and like the best investment you make
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  Speaker 1: is you know your rent because that's your home and
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  Speaker 1: that's where you feel safe and you feel cozy and rested.
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  Speaker 1: But you do need to have like your fun budget
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  Speaker 1: or your treat your self budget. However, some that's when
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  Speaker 1: it becomes blurred when we don't have a treat yourself budget,
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  Speaker 1: or we just limit ourselves and then we just splur.
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  Speaker 2: You don't give yourself a cap exactly.
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  Speaker 1: I did see a stat that said that we are
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  Speaker 1: willing to spend thirty percent more when we are sad.
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  Speaker 2: How wild is that that adds up? Right? Where are
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  Speaker 2: the results?
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  Speaker 1: Yeah, so if you're shopping when you're sad, you will
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  Speaker 1: spend thirty percent more on something suck to like treat
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  Speaker 1: yourself or be like I deserve it and fucking mood.
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  Speaker 2: Been there, done that multiple times. That's why it's so
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  Speaker 2: important to know what your spending triggers are. Yeah, and
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  Speaker 2: knowing that, Okay, I'm in a sad mood. Am I
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  Speaker 2: buying this because I genuinely need it and genuinely want it?
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  Speaker 2: Or am I depressed?
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  Speaker 1: Can I talk about a treat yourself experience that we had?
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  Speaker 2: Yeah? Sure, okay. The year was twenty twenty. Oh no,
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  Speaker 2: COVID was hitting.
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  Speaker 1: Our office had just been shut down. Sal and I
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  Speaker 1: were in the Westfield food court. I was eating a luxA.
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  Speaker 2: She was having some form of Mexican food. Sounds about right.
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  Speaker 2: We weren't speaking for.
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  Speaker 1: About an hour because the existential crisis valid was real.
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  Speaker 2: This was like the fifteenth of March twenty twenty or something.
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  Speaker 1: And after maybe thirty minutes of silence of just eating
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  Speaker 1: our food and being like, what's going on? So goes,
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  Speaker 1: We've got to go to Mecca. I've got to control something.
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  Speaker 2: So we went to Mecca the day before we went
• 9:37
  Speaker 2: into lockdown. And so just like I bought like a
• 9:42
  Speaker 2: colorful eyeshadow palett. Yeah, I didn't use that literally by
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  Speaker 2: the time I was able to like get out of
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  Speaker 2: the expired, Like I really should have bought like a
• 9:51
  Speaker 2: face mask or something. How were you supposed to know
• 9:54
  Speaker 2: that we were about to be lost up the pandemic?
• 9:58
  Speaker 2: That is an example want to treat yourself mom. I
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  Speaker 2: also thought.
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  Speaker 1: It was really cool because part of this study though,
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  Speaker 1: which I think we could lean into maybe the emotional
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  Speaker 1: spending the videos, is that it was also talking about
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  Speaker 1: the happy emotions that come with shopping, but not from
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  Speaker 1: spending but from rejecting items.
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  Speaker 2: Yeah, that it.
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  Speaker 1: Was like people feel really happy to be like no,
• 10:24
  Speaker 1: I don't want that. Yeah, But I was like, maybe
• 10:27
  Speaker 1: we need to lean into that. And that's something that
• 10:29
  Speaker 1: you can incorporate if you are a bit of a
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  Speaker 1: treat yourself girly being like do you know what? And
• 10:33
  Speaker 1: that's why like the pinterest shopping is good. And also
• 10:36
  Speaker 1: the wishless shopping is good.
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  Speaker 2: Yeah.
• 10:38
  Speaker 1: So it's like when you just add things to your
• 10:39
  Speaker 1: wishless not to your cart, or when you make a
• 10:42
  Speaker 1: Pinterests board and it like swaps out and you still.
• 10:44
  Speaker 2: Get that Like, but it's like window shopping. Yeah, yeah,
• 10:49
  Speaker 2: oh my god, that's so true, because you know what,
• 10:51
  Speaker 2: there's We've said this before, but there really is no
• 10:54
  Speaker 2: better feeling than walking away from a purchase and then
• 10:58
  Speaker 2: a week later being like, I'm so glad I didn't
• 11:01
  Speaker 2: buy it the best.
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  Speaker 1: And there's nothing worse than when you do buy something
• 11:06
  Speaker 1: and you think about it and you're.
• 11:07
  Speaker 2: Like, fuck, I really shouldn't have bought that. Yeah.
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  Speaker 1: Yeah, And I think there are ways to treat yourself
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  Speaker 1: that won't keep you broke, like splurging mindfully, like actually
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  Speaker 1: being like I've wanted this for ages and I have
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  Speaker 1: saved a little bit or been like I know that
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  Speaker 1: I've wanted this. This isn't like a knee jerk reaction. Yeah,
• 11:26
  Speaker 1: And knowing those purchases, if it's something that's come to
• 11:28
  Speaker 1: you within twenty four hours and it's really backed by
• 11:32
  Speaker 1: an emotion or something like that, you know that it's
• 11:35
  Speaker 1: a bit of an impulse buy. I think also what
• 11:38
  Speaker 1: helps me is thinking about what the amount could alternatively buy.
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  Speaker 2: Yeah, so if it's like, you know.
• 11:45
  Speaker 1: Two hundred dollars, two hundred dollars is my groceries for
• 11:48
  Speaker 1: the week? Yeah, versus like this one thing and like
• 11:51
  Speaker 1: do I already own something like it? Yeah?
• 11:53
  Speaker 2: Do I already have something that serves that same purpose.
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  Speaker 1: Exactly one hundred percent? And then the ass last, but
• 12:13
  Speaker 1: not least, would be to think about the last clean
• 12:15
  Speaker 1: out you had to do this experience. Think about the
• 12:20
  Speaker 1: last time and how long that like garbage bag of
• 12:23
  Speaker 1: clothes sat in the back.
• 12:24
  Speaker 2: Of your car until you took it to Vinnie's and
• 12:27
  Speaker 2: had to listen to you belting out bon Jovi for
• 12:30
  Speaker 2: eight months before you finally took it to Zavos. That
• 12:35
  Speaker 2: was a bit niche actually whatever, whatever, But yeah, I
• 12:43
  Speaker 2: think about.
• 12:44
  Speaker 1: Like your laundry and it's just more ship that you've
• 12:46
  Speaker 1: got to find somewhere to put it.
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  Speaker 2: Yeah. I think all the time, like as somebody who
• 12:51
  Speaker 2: lives in a one bedroom, small apartment, I'm like, realistically,
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  Speaker 2: where will I fit this? Where I saw this? Think
• 12:58
  Speaker 2: about how hard it is just your clothes online you
• 13:01
  Speaker 2: got to do the one in one out. Yeah, if
• 13:03
  Speaker 2: I'm buying this, what, like, what will I have to
• 13:05
  Speaker 2: get rid of?
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  Speaker 1: I think with this one is that you will be
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  Speaker 1: broke forever. If you always seek validation from external sources,
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  Speaker 1: you will spend thousands on the way that you look
• 13:16
  Speaker 1: and hundreds on the latest trend. But the moment you
• 13:20
  Speaker 1: find positivity and rest and validation in yourself and the
• 13:24
  Speaker 1: everyday life, you will not only enrich your life but
• 13:28
  Speaker 1: your bank account. To put that.
• 13:31
  Speaker 2: I want that whole thing.
• 13:32
  Speaker 1: But yeah, I just think that's a really important thing
• 13:35
  Speaker 1: because it is so easy to seek validation and confidence
• 13:41
  Speaker 1: from external sources. And if you are constantly doing that
• 13:45
  Speaker 1: as a treat yourself and you don't learn how to
• 13:48
  Speaker 1: find things to lift your mood or make you feel
• 13:50
  Speaker 1: good or make you feel nice, and that's always from
• 13:53
  Speaker 1: something new, that is exhausting.
• 13:55
  Speaker 2: Yeah, it's just a toxic cycle that will never work out.
• 13:59
  Speaker 1: Well, Yeah, what's something that is a treat yourself? That
• 14:03
  Speaker 1: doesn't mean you buy something that you do sleep in
• 14:07
  Speaker 1: love that that is an amazing treat yourself?
• 14:11
  Speaker 2: What about you read my book? Yeah? So good. Yeah,
• 14:15
  Speaker 2: the both things that are just like entirely for yourself, yeah,
• 14:18
  Speaker 2: which I love and solo activities you don't have to
• 14:21
  Speaker 2: rely on anybody else.
• 14:22
  Speaker 1: On the other one is like a sunrise or a sunset,
• 14:24
  Speaker 1: or an ocean swim our next have it. That is
• 14:29
  Speaker 1: keeping you broke. It's the convenience tax versus the lazy tax.
• 14:35
  Speaker 2: You kick us off here, Sally Baddy m M. So
• 14:38
  Speaker 2: the lazy tax usually refers to the extra fees or
• 14:42
  Speaker 2: costs that you'll pay when you don't negotiate a better deal,
• 14:46
  Speaker 2: or compare your options, or do whatever little bit of
• 14:49
  Speaker 2: extra work it takes to get a better deal, whereas
• 14:54
  Speaker 2: the convenience tax refers to the extra money that you're
• 14:58
  Speaker 2: willing to spend to save time or a headache or
• 15:04
  Speaker 2: get some extra convenience.
• 15:06
  Speaker 1: The convenience tax is worth it like the conveniences to
• 15:11
  Speaker 1: a point. Yet, for example, my favorite example of the
• 15:14
  Speaker 1: convenience tax is and this is probably part of growing up,
• 15:18
  Speaker 1: because when I was twenty, this would look like a
• 15:20
  Speaker 1: different situation. Right, Yeah, but the convenience tax is looking
• 15:24
  Speaker 1: at flights, right, and there's a six am flight which
• 15:28
  Speaker 1: is one hundred dollars cheaper than the ten am flight,
• 15:32
  Speaker 1: or let's even say the five PM flight. Right, the
• 15:35
  Speaker 1: five pm flight costs one hundred dollars more than the
• 15:39
  Speaker 1: six am flight, And in that moment, I'm like, I
• 15:41
  Speaker 1: don't want to pay one hundred dollars more. Yeah, Like,
• 15:44
  Speaker 1: I'll just you know what, I'll just it's one morning,
• 15:46
  Speaker 1: I'll get up early.
• 15:47
  Speaker 2: It'll be fine that morning. Then comes it's the night before.
• 15:50
  Speaker 2: I haven't packed because don't be picked in.
• 15:53
  Speaker 1: Hello, my nails need to be done because I've left
• 15:55
  Speaker 1: that to the last minute, and my fake.
• 15:57
  Speaker 2: Ten is Joe, I need to wash my hair.
• 16:00
  Speaker 1: Yeah, I would pay one hundred dollars to be on
• 16:05
  Speaker 1: the five PM flight, like I in that moment, I'm like,
• 16:10
  Speaker 1: I would pay one hundred dollars to get out of this,
• 16:12
  Speaker 1: you know, and that's you know what, one hundred dollars,
• 16:15
  Speaker 1: that's the absolute absolute max.
• 16:17
  Speaker 2: I would probably be like fifty dollars. Yeah, a little
• 16:19
  Speaker 2: bit more, you know.
• 16:21
  Speaker 1: But that's why now I'm like, I know in that
• 16:24
  Speaker 1: moment that spending this little bit more of money is
• 16:28
  Speaker 1: going to make me so much more happy, because then
• 16:31
  Speaker 1: when you're like, maybe i'll change my flight time, it's
• 16:33
  Speaker 1: going to be five billion dollars.
• 16:34
  Speaker 2: Yeah exactly. I think that's the thing though, like with
• 16:38
  Speaker 2: the lazy tax and the convenience tax, these two things
• 16:41
  Speaker 2: are very similar to the lines can be a little
• 16:44
  Speaker 2: bit blurry, but also with the convenience tax especially, it
• 16:48
  Speaker 2: really comes down to your values and what you value
• 16:53
  Speaker 2: with your time and your money. So for somebody who's
• 16:55
  Speaker 2: like an early riser and really organized and blah blah,
• 16:58
  Speaker 2: they're going to be like, of course, I'm going to
• 16:59
  Speaker 2: say of one hundred dollars and get on that red
• 17:01
  Speaker 2: eye fly. It really depends on what your values are.
• 17:05
  Speaker 2: And I think that's okay, it's recognizing Okay, do I reallyeah,
• 17:10
  Speaker 2: is this really in line with my values? Or am
• 17:13
  Speaker 2: I being lazy?
• 17:13
  Speaker 1: And you know what's rogue is like my other convenience
• 17:16
  Speaker 1: tax that I actually think is just the lazy tax, right,
• 17:20
  Speaker 1: is spending nine dollars or ten dollars on shipping when
• 17:24
  Speaker 1: you can do click and collect for free. I will
• 17:27
  Speaker 1: do click and collect any day of the week for free,
• 17:29
  Speaker 1: because I'm like, if the shop is already at my
• 17:32
  Speaker 1: Westfield or at my I'm they're basically every day getting
• 17:37
  Speaker 1: the train or like going and getting groceries or something
• 17:40
  Speaker 1: like that that I'm like, yeah, I'll save ten.
• 17:42
  Speaker 2: Dollars, but I will pay fifty dollars more so I
• 17:45
  Speaker 2: don't have to wake up at four am to get
• 17:47
  Speaker 2: on that flight. And that's my convenience. Yeah, whereas one
• 17:50
  Speaker 2: for me is grocery delivery or meal prep services. Knowing
• 17:58
  Speaker 2: that with especially busy periods to me is usually when
• 18:02
  Speaker 2: I like will use these types of services because I
• 18:05
  Speaker 2: know that in the past I won't make time to
• 18:08
  Speaker 2: do the groceries or I won't make time to plan
• 18:11
  Speaker 2: ahead and you know, meal prep all my food, and
• 18:14
  Speaker 2: then it gets to Wednesday night and I'm like, oh,
• 18:17
  Speaker 2: well I have to get good breeds. Yeah, So for
• 18:20
  Speaker 2: me during those times, I'm like, okay, But the convenience
• 18:23
  Speaker 2: of having either the groceries delivered to me or you know,
• 18:27
  Speaker 2: having chef good or whatever it is delivered to me,
• 18:31
  Speaker 2: that's perfect for this particular time in my life. Yeah,
• 18:33
  Speaker 2: I love that.
• 18:34
  Speaker 1: Because as well, you're in the long run, yeah, maybe
• 18:37
  Speaker 1: getting that delivered or like e, splurging on the meals
• 18:41
  Speaker 1: is maybe more expensive than it would be for you
• 18:43
  Speaker 1: to go and buy it and cook it yourself. You're
• 18:46
  Speaker 1: gonna end up saving more because when you're not wasting
• 18:48
  Speaker 1: money on groceries you don't end up cooking exactly. Two,
• 18:51
  Speaker 1: you don't spend money on like a forty dollars pasta
• 18:53
  Speaker 1: that takes five years to get to you and it's
• 18:56
  Speaker 1: cold and part of it's squished exactly and they take
• 18:59
  Speaker 1: it a buy it out of my God, and you
• 19:00
  Speaker 1: didn't have to fight with the customer saus to give
• 19:04
  Speaker 1: you your face anyway.
• 19:05
  Speaker 2: Yeah, so that's one. And then another one for me
• 19:08
  Speaker 2: now that I think has changed since I was younger,
• 19:11
  Speaker 2: would be paying for removalists. Oh yeah, do you know what?
• 19:16
  Speaker 2: I don't know. We'll see. But for me personally, I
• 19:20
  Speaker 2: think I don't want to move my mattress. I want
• 19:22
  Speaker 2: someone else.
• 19:23
  Speaker 1: I think I am like, I will do as much
• 19:26
  Speaker 1: as I possibly can, and then I will pay for
• 19:28
  Speaker 1: removalists so that I get like the cheapest possible price. Same,
• 19:32
  Speaker 1: but I'm like, I will get to the reject shop,
• 19:34
  Speaker 1: I will get my bins, and I will do as
• 19:37
  Speaker 1: much as I possibly can, and then I will pay
• 19:40
  Speaker 1: for removalists to do like I pay for removalists in
• 19:43
  Speaker 1: my last one.
• 19:43
  Speaker 2: But that's because we had furniture that I was like,
• 19:45
  Speaker 2: I actually physically can't move this, That's what I mean
• 19:48
  Speaker 2: whereas before I was like, not like we're hiring a truck,
• 19:50
  Speaker 2: like we're doing the whole thing. And I'm like, mmm, nah, yeah,
• 19:54
  Speaker 2: I'll hire a professional who like knows how to properly
• 19:56
  Speaker 2: pick up a couch without breaking their back.
• 20:00
  Speaker 1: You know. And you know what a lazy text that
• 20:01
  Speaker 1: I've grown out of is getting ubers versus getting public transport.
• 20:08
  Speaker 1: I love public transport now. I find it so much
• 20:12
  Speaker 1: more enjoyable than getting in the back of a car.
• 20:15
  Speaker 2: The train is fun, the train is a vibe.
• 20:17
  Speaker 1: It's like main character energy read my book without getting sick.
• 20:21
  Speaker 2: I agree. I've been trying to do the same as well,
• 20:23
  Speaker 2: because like I don't currently have a car, so usually
• 20:26
  Speaker 2: I do a lot of public transport or ubers. But
• 20:29
  Speaker 2: I've been weighing up the convenience versus the lazy tax
• 20:34
  Speaker 2: with that, so when it's it's also quicker. Yeah. So
• 20:37
  Speaker 2: for example, last night, we went for dinner and it
• 20:40
  Speaker 2: was late at night and we were going back home.
• 20:43
  Speaker 2: I was going back home with our friend Jem and
• 20:45
  Speaker 2: she lives near me, so I was like, well, we
• 20:46
  Speaker 2: can split an uber that way and go together and
• 20:49
  Speaker 2: then I don't have to get you know, a train
• 20:51
  Speaker 2: home alone late at night. Yeah, whereas you know, early
• 20:55
  Speaker 2: in the morning, I might have been like, I'll get
• 20:57
  Speaker 2: like an uber to this work event and then I'm like, no,
• 21:00
  Speaker 2: just get the train and walk and just prepare a
• 21:02
  Speaker 2: little bit more in advance. I've got the time to
• 21:04
  Speaker 2: do that. You get your steps in, save money, and
• 21:08
  Speaker 2: you just feel like God's gift.
• 21:09
  Speaker 1: Yeah, exactly, But I'm so curious. I want to know, like,
• 21:12
  Speaker 1: what's your convenience tax? As the chicks let us know
• 21:17
  Speaker 1: in the comments, I really really want to know, because
• 21:20
  Speaker 1: I reckon I'm going to relate.
• 21:21
  Speaker 2: To all of them. You'll like, oh my god, that's
• 21:23
  Speaker 2: that is so me alright.
• 21:27
  Speaker 1: And last, but not least, hit me with it, sou
• 21:31
  Speaker 1: the third habit that is keeping you broke lifestyle creep.
• 21:37
  Speaker 2: Calling you that lifestyle creep. The word creep.
• 21:43
  Speaker 1: Insight, I really want us to bring that back creep.
• 21:47
  Speaker 2: Oh, don't be such a cheap, tacky creep. That smells so.
• 21:53
  Speaker 2: Lifestyle creep refers to when your income or financial capacity increases,
• 22:00
  Speaker 2: but so does you're spending. Because even if you're earning
• 22:06
  Speaker 2: more money, that doesn't mean that you become better with
• 22:10
  Speaker 2: your money. Unfortunately, like there's that saying that if you
• 22:13
  Speaker 2: don't know how to manage ten dollars, you don't know
• 22:15
  Speaker 2: how to manage ten thousand dollars. And that's basically what
• 22:18
  Speaker 2: lifestyle create refers to. So if you think back to
• 22:22
  Speaker 2: when you were a teenager or your early twenties, or
• 22:26
  Speaker 2: perhaps just a time in your life when you were
• 22:27
  Speaker 2: earning less money in comparison to a time in your
• 22:30
  Speaker 2: life when you were earning more money, and the things
• 22:33
  Speaker 2: that you thought that you could afford back then, and
• 22:36
  Speaker 2: the things that you were willing and not willing to
• 22:38
  Speaker 2: spend your money on back then in comparison to now,
• 22:41
  Speaker 2: or when you've been at a point in your life
• 22:43
  Speaker 2: when you had more money. So, for example, when you're
• 22:46
  Speaker 2: a teenager, you might have spent all your money on
• 22:48
  Speaker 2: public transport, and then now as you've gotten older, you've
• 22:52
  Speaker 2: bought a car, or you'll use ubers for everything, and
• 22:56
  Speaker 2: you're like, oh, well, like, no, I'm not going to
• 22:58
  Speaker 2: get the train to save money, like I can afford
• 23:03
  Speaker 2: to get an uber, or I can afford to pay
• 23:06
  Speaker 2: for petrol, and you don't really think of the things
• 23:10
  Speaker 2: that you could be saving money on. Instead, you're like, oh,
• 23:14
  Speaker 2: but I can afford it, so of course I'm going
• 23:15
  Speaker 2: to spend the money on it.
• 23:17
  Speaker 1: I think like another girlly pop example of this would
• 23:20
  Speaker 1: be how like when you're maybe eighteen or seventeen and
• 23:24
  Speaker 1: you shop at Princess Polly, but then when you're like
• 23:27
  Speaker 1: twenty five and have a full time job, you start
• 23:29
  Speaker 1: shopping at like.
• 23:29
  Speaker 2: Dish and the Iconic.
• 23:31
  Speaker 1: Or the other one I was thinking of is like
• 23:33
  Speaker 1: when I was a teenager, how I.
• 23:35
  Speaker 2: Would shop exclusively at like price.
• 23:37
  Speaker 1: Line, which I still shop there, but now I also
• 23:40
  Speaker 1: sometimes shop at the more bougie beauty stores like Sephora Mecca.
• 23:45
  Speaker 2: Yeah, or like I was talking to our beautiful producer
• 23:47
  Speaker 2: Rush before the show and we were saying, how, you know,
• 23:52
  Speaker 2: previously we would have always bought home brand, and then
• 23:55
  Speaker 2: now we'll buy name brands at the supermarket. But when
• 23:59
  Speaker 2: you really think about it, the home brand stuff a
• 24:01
  Speaker 2: lot of the time is just as good, but we
• 24:04
  Speaker 2: buy the name brand because we can or organic. Yeah.
• 24:07
  Speaker 1: It's so interesting when you really peel back the lifestyle creep,
• 24:11
  Speaker 1: you see all the things that we're very subconsciously creeping up.
• 24:17
  Speaker 1: Because it's like when you get a pay rise and
• 24:19
  Speaker 1: let's say you're earning two hundred dollars a week how
• 24:22
  Speaker 1: often and have a think about whether or not you
• 24:26
  Speaker 1: started putting two hundred dollars a week into savings.
• 24:29
  Speaker 2: Yeah, Like, what did you do with that extra two
• 24:31
  Speaker 2: hundred dollars? Where did that go? And I think this
• 24:34
  Speaker 2: is a reflection of our financial literacy and the money
• 24:39
  Speaker 2: habits that we've built over time. And Yeah, it's just
• 24:43
  Speaker 2: a good reminder that just because you earn more money
• 24:45
  Speaker 2: doesn't mean that you automatically become better with your money.
• 24:48
  Speaker 2: And I think this doesn't mean that you also can't
• 24:51
  Speaker 2: treat yourself or you can't decide to spend more money
• 24:55
  Speaker 2: for the more expensive option when you have the ability
• 25:00
  Speaker 2: to do so when it makes sense. Yeah, Instead, it
• 25:03
  Speaker 2: means that you should be reflecting on your spending habits
• 25:06
  Speaker 2: and the things that you slowly but surely have been
• 25:08
  Speaker 2: spending more money on that maybe you don't have to, yeah,
• 25:11
  Speaker 2: and where you have been opting for the more expensive option.
• 25:16
  Speaker 2: Some common signs of lifestyle creep include your savings remain
• 25:21
  Speaker 2: stagnant despite you earning more money, You're spending has increased
• 25:27
  Speaker 2: overall in lots of different areas of your life, and
• 25:30
  Speaker 2: you aren't budgeting or you don't have financial goals, but
• 25:35
  Speaker 2: some tips to avoid lifestyle create, create and stick to
• 25:39
  Speaker 2: a budget. Prioritize saving over spending. So this is different
• 25:45
  Speaker 2: for everybody. But review your expenses and look at where
• 25:49
  Speaker 2: you can cut back all things that you can save on,
• 25:52
  Speaker 2: and then finally set financial goals. This is going to
• 25:56
  Speaker 2: be so important, yeah, and it's going to be different
• 25:58
  Speaker 2: for everyone. It can be bigger, but the tip is
• 26:01
  Speaker 2: building the habit. Yeah, and you can always build upon that.
• 26:04
  Speaker 2: So it could be by the end of the year,
• 26:06
  Speaker 2: I want to save X dollars or I want to
• 26:11
  Speaker 2: get a pay rise by this much, and when I
• 26:14
  Speaker 2: get that pay rise, I'm going to put away this
• 26:17
  Speaker 2: much after my every day and essential expenses slip slip.
• 26:23
  Speaker 1: Well, there's our three habits, and it's all process. It's
• 26:26
  Speaker 1: all literacy and financial literacy, and we have it and.
• 26:29
  Speaker 2: It's never too late to get better with your money. Exactly.
• 26:32
  Speaker 2: That's a lovely note to finish on. I know how wholesome.
• 26:35
  Speaker 2: Put that on a Hallmark card, baby, put that g
• 26:40
  Speaker 2: that's your ad pies with the advice with the chicks.
• 26:47
  Speaker 2: I am in need of advice. I am twenty four
• 26:50
  Speaker 2: and recently booked a solo getaway for a week. I
• 26:53
  Speaker 2: have never been or even thought of going on a
• 26:55
  Speaker 2: trip by myself before, but the opportunity came up and
• 26:58
  Speaker 2: I started to get really excit it. I thought it
• 27:01
  Speaker 2: would be really good for my own self growth and independence.
• 27:05
  Speaker 2: My sister, who's twenty six, heard I was going away,
• 27:09
  Speaker 2: and long story short, invited herself on this holiday. If
• 27:12
  Speaker 2: I'm honest, she didn't really ask. She just said I'm
• 27:15
  Speaker 2: going to come and started looking into things to do.
• 27:18
  Speaker 2: I mentioned that I was going to go for a
• 27:20
  Speaker 2: week and she could come for a bit, so she
• 27:22
  Speaker 2: booked five days. Jeez. We are close but have very
• 27:26
  Speaker 2: different personalities, so weak in clash. I began to get
• 27:29
  Speaker 2: frustrated when she started talking about what we were going
• 27:32
  Speaker 2: to do, so I decided to bring up that I
• 27:34
  Speaker 2: originally booked it as an independent trip, and she absolutely
• 27:38
  Speaker 2: cracked it. She started crying and saying that she's never
• 27:41
  Speaker 2: been more hurt and that I should want to go
• 27:43
  Speaker 2: away with her because I start we love a gentle
• 27:47
  Speaker 2: guilt trip. After calling me a few names, she's now
• 27:50
  Speaker 2: not talking to me. I never said I didn't want
• 27:53
  Speaker 2: her to come, but I just wanted to compromise and
• 27:56
  Speaker 2: do something independently. Both my mum and her have said
• 27:59
  Speaker 2: that they can't understand why I would want to go
• 28:01
  Speaker 2: by myself oh mum plays, and that it's not safe.
• 28:06
  Speaker 2: They also don't like that I'm setting rules boundaries by
• 28:10
  Speaker 2: doing some things together and not everything. I understand why
• 28:15
  Speaker 2: she's hurt, but am I really in the wrong. I
• 28:17
  Speaker 2: can't help but feel guilty, but I think this is
• 28:19
  Speaker 2: surely an overreaction. Please any advice would be great, as
• 28:22
  Speaker 2: a holiday is in two weeks and she's now saying
• 28:25
  Speaker 2: she's not coming.
• 28:26
  Speaker 1: I'm sure you love your sister, and I'm sure your
• 28:29
  Speaker 1: sister is beautiful, and like you've said, you've got different personalities,
• 28:32
  Speaker 1: But so it sounds really like pushy and bullish and
• 28:36
  Speaker 1: like I'm coming and this is what we're gonna do
• 28:39
  Speaker 1: and blah blah blah. When you've done this as like
• 28:42
  Speaker 1: a self growth and independence thing and you've had someone
• 28:45
  Speaker 1: come in and completely like rip up that turf and lay.
• 28:48
  Speaker 2: Down their own manure yea, their own shit. Yeah, I
• 28:52
  Speaker 2: reckon you should try and have a conversation with your
• 28:56
  Speaker 2: sister and say like, I'm really sorry. I probably should
• 28:59
  Speaker 2: have been a little bit more firm or open from
• 29:03
  Speaker 2: the offset. But I really did want this to be
• 29:05
  Speaker 2: an independent trip. But when you started talking about it,
• 29:08
  Speaker 2: I felt bad and I didn't want to hurt your feelings,
• 29:11
  Speaker 2: but I probably should have put my foot down and said, actually, no,
• 29:15
  Speaker 2: I want this to be an independent trip and I
• 29:18
  Speaker 2: really need this. This is going to be a really
• 29:20
  Speaker 2: great opportunity for me to learn and grow more about myself.
• 29:24
  Speaker 2: And now it's become a point of frustration and like
• 29:28
  Speaker 2: contention between us. So I think it's probably for the
• 29:31
  Speaker 2: best if I go alone and we can plan like
• 29:33
  Speaker 2: a sister trip together. Doesn't mean that I don't love you.
• 29:37
  Speaker 1: I do think it's always good to like ask potentially
• 29:40
  Speaker 1: like in terms of helping the relationship grow, Like I
• 29:45
  Speaker 1: see what you're saying, and I totally hear that you
• 29:47
  Speaker 1: know coming in with you know, warmth and empathy and
• 29:51
  Speaker 1: saying I do understand that you're upset, and I'm sorry
• 29:55
  Speaker 1: for that and the role that I played in that.
• 29:58
  Speaker 1: I also think it's good to ask your sister if
• 30:01
  Speaker 1: there's any way that she felt like she could have
• 30:04
  Speaker 1: handled that situation differently so that this doesn't happen again.
• 30:08
  Speaker 1: In the future, because this also needs to be an
• 30:10
  Speaker 1: opportunity of growth for her sister, because like we said,
• 30:13
  Speaker 1: like that's just not okay, and so like leave that
• 30:17
  Speaker 1: with her.
• 30:17
  Speaker 2: It might not happen in the moment, but leave that
• 30:19
  Speaker 2: question with her.
• 30:21
  Speaker 1: Even if she just does a bit of self reflecting,
• 30:23
  Speaker 1: you might not hear back from that question, but it
• 30:27
  Speaker 1: will help her have a bit of self reflection. Her
• 30:31
  Speaker 1: ego might not allow her to voice that, which I
• 30:35
  Speaker 1: don't think a lot of people have the skill to do.
• 30:38
  Speaker 1: You've said in the final part, am I really in
• 30:41
  Speaker 1: the wrong? And I just want to finish this part
• 30:43
  Speaker 1: with saying no, you're not. Like you've done nothing wrong.
• 30:48
  Speaker 1: You said you wanted to take this trip independently for
• 30:51
  Speaker 1: your own self growth.
• 30:52
  Speaker 2: Someone came in, invited.
• 30:54
  Speaker 1: Themselves for five out of seven days and then started
• 30:57
  Speaker 1: planning in itinerary. You haven't done anything wrong by setting
• 31:00
  Speaker 1: boundaries and keeping to what you originally wanted. And if anything,
• 31:04
  Speaker 1: it's going to be better for your relationship with your
• 31:06
  Speaker 1: sister because you won't start resenting her for taking over
• 31:09
  Speaker 1: your holiday of what you wanted it to be.
• 31:12
  Speaker 2: Go on your holiday solo and enjoy your holiday.
• 31:14
  Speaker 1: Well that is a wrap for this week's episode.
• 31:19
  Speaker 2: Thank you so much for having us in your ear hole.
• 31:22
  Speaker 2: We love to be here.
• 31:23
  Speaker 1: It feels good to be back, feels good to be
• 31:25
  Speaker 1: back in these holes.
• 31:26
  Speaker 2: It does in these holes.
• 31:28
  Speaker 1: If I'm in your holes right now, I just want
• 31:31
  Speaker 1: you to know I love to be Okay, I love
• 31:34
  Speaker 1: it here anyway.
• 31:36
  Speaker 2: Thanks to IK for making this episode two broke cheeks. Happy,
• 31:39
  Speaker 2: love it, Bye bye,