September 16, 2025 • 38 mins
We handed over control of the show to you this week and said: ask us ANYTHING. From how to finally get ahead on your goals, to spotting when you’re leaving free money on the table, to breaking the cycle of self-sabotage spending... nothing was off limits. If you’ve ever wished you could pick Jess and V’s brains over a coffee, this is that episode.
In this ep:
❓ The surprising career path that landed Jess where she is today
❓ How to actually save for mat leave, with bonus tips for when you’re doing it solo
❓ The “free money” hack everyone talks about… but is it genius or just hype?
❓ Planning for the fun stuff in life without blowing up your bigger goals
❓ The sneaky self-sabotage habits messing with your money (and how to shut them down)
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And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.
Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.
See omnystudio.com/listener for privacy information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t glennyan Ganya, Niana,
Kaka yah Ya bin Ahaka Nian our gay in Mbina,
yakarum jar Dominyama, domag Ithawakawaman, damon Imlan Bumba ban Gadabomba
in and now in wakah Ghana on yak rum jar Watnadaa. Hello,
(00:22):
beautiful friends, we gather on the lands of the Aboriginal people.
We thank acknowledge and respect the Abiginal people's land that
we're gathering on today. Take pleasure in all the land
and respect all that you see. She's on the Money
podcast acknowledges culture, country, community and connections, bringing you the tools,
knowledge and resources for you to thrive.
Speaker 2 (00:44):
She's on the Money. She's on the Money.
Speaker 3 (01:07):
Hello and welcome to She's on the Money, the podcast
that is here to answer all of your burning money
questions and probably overshare while we're at it. I'm Victoria
Devine and today well Beck is off elsewhere being absolutely fabulous.
Speaker 2 (01:22):
I've got the one and only Miss Jess Garried. She
joining me. Just welcome.
Speaker 4 (01:27):
That was like a real like woo, I fin they
should be theen music playing in the background.
Speaker 3 (01:30):
It should be I'm just greed she People get so
annoyed when I say that, They're like, why do you
always say her name like that?
Speaker 2 (01:37):
I get so many messages like, not so many.
Speaker 3 (01:39):
Actually, that's probably me over over estimating that, but at
least one a month of people being like, why do
you do that to Jessica, isn't it because that's the
way you're technically meant to say it?
Speaker 2 (01:50):
Justly in a way. Yeah, I really just ostralized.
Speaker 3 (01:54):
So jess and I we thought today, while we've got you,
we thought it would be really fun to a community
Q and A. So you might have seen on our
stories us asking for some questions because if there's one
thing we love more than a money chat, it's answering
your questions. And honestly, our community they always bring the goods.
Speaker 2 (02:13):
Oh I love I feel like it's fun to do
a little bit.
Speaker 4 (02:15):
It feels personal, right, Like it feels like we're chatting
with you guys exactly.
Speaker 3 (02:18):
Someone was like the other day They're like, oh, I
saw you in person and I wanted to say hi,
but I felt like that was really rude, and I
was like, you know, what's really rude when you see
a friend in public and you didn't say hi.
Speaker 2 (02:29):
Totally.
Speaker 3 (02:30):
I love chatting to you guys, but you have a
lot of questions. So should we get into it, Miss
jeff Breach, Absolutely, okay. So our first question comes from
our friend Kathy, and this is word for word. Kathy says,
I want to hear more about Queen Jessica Ried she's
Kobrea Path. She has so much vision and such good
(02:50):
work ethic.
Speaker 2 (02:51):
Ah, that's a thinky Kathy's. She does have really good work.
I think if you learn anything from Jessica is that
that's so sweet.
Speaker 4 (02:59):
I have had a very non conventional career, which I
feel like we've touched on here and there. I did
not go to university, which not to say that that's
right or wrong, but glad that I didn't because I
don't like I didn't need it for my career and
I don't have hext it as a result. But at
the time, it wasn't an easy choice. I went to
school through an advanced placement program and there was a
(03:20):
lot of academic pressure and I wasn't sure that that
was the right choice. But I just went straight into working.
I worked full time in a retail job for a
number of years, and then I took my first, I guess,
corporate style job. It wasn't full corporate, but it was
at a real estate agency.
Speaker 2 (03:35):
I was an EA. I reckon, that's corporate. Yeah, it's giving,
like soft corporate, I would say.
Speaker 4 (03:41):
And you know what the really interesting thing is is,
even though I didn't love that job and there was
a I learned a lot about the behind the scenes
of real estate, and there's so much transferable knowledge and
transferable skills, and I think when I look at really
every job that I've done, there's things that I've taken
that like, to this day, I still use really regularly.
(04:01):
So from real estate, I went into an actual proper
corporate EA role, and I did a couple of different
ones at different companies before ending up in an OPS
job at the most corporate place I'd ever been. And
that was where I really realized corporate wasn't for me.
Sure this particular company was not for me. The misogyny,
(04:21):
the like just the I don't I don't want to
trash it too publicly, but it just was a different time.
Speaker 3 (04:27):
I've heard all of their gossip and I would happily
trash them.
Speaker 2 (04:31):
Yeah. It was just very much not a good time.
Speaker 4 (04:33):
And it made me really realize how important values are
to me in a workplace, and working somewhere that's misaligned
to my values was something that I found really deeply challenging.
And so I finished up there. I had lined up
a job. This is I finished up there. End of
twenty nineteen. I'd had reached out to somebody at a
(04:54):
marketing agency that i'd applied for a job for previously,
and I'd been top two, and I'd kind of kept
in touch with women, and I said, hey, like, I'm
actually looking for work. If you see anything going, would
you mind letting me know? And she said, oh my god,
what crazy timing. I'm about to hire an EA roll.
Come in and chat like this seems like it's meant
to be, And so we'd arrange for me to come in.
(05:15):
She said, you know, everything's shut down in January in
marketing land, Like, come in start a feb maybe mid Feb. Actually,
you know, to give me a bit of time to
get things sorted and we will basically get you on
the books. I was like great, and then mid feb
twenty twenty, she goes, Oh, I'm so sorry. I've caught
the bug that's going around. I'm so little covid bug.
Speaker 2 (05:36):
I'm so sick. Can we push this out like a week?
Speaker 4 (05:39):
And I was like, of course, like what's a week?
It's here or there. Oh I got important context that
I completely skipped over. So when I stopped working retail
full time and I went to corporate, I kept my
retail job on the side. I would work the late
night shifts, the weekend shifts. I was doubling up, so
I was working maybe like forty five fifty hours a week,
which was great for saving money, and so I kept
that on the side.
Speaker 2 (05:59):
The whole time.
Speaker 4 (06:00):
It was lovely because you have forced shutdowns over Christmases
normally when you work in a corporate environment. So I
would work through like my normal year, pick up full
time work basically through the Christmas sales period, and then
in retail that normally tapers off mid jam, which would
be when I would go back to my normal job.
So when I left that job, I was like, Okay, well,
I can at least work full time through Christmas like
(06:21):
I normally do in retail. Shout out classes, and then
I needed something to pick up and I had a
lot of friends at the time who worked in logistics,
and they said, oh, just pick up like a casual
pickpack a role. You can do it through a labor
higher agency, so you're not tied down to any kind
of contract. The pay is really good, it's really it's
relatively flexible. And I was like, oh, great, Like I
can work there maybe four to six weeks till I
(06:41):
get this new job at this agency in the door.
Don't have to spend my savings. That's exactly what I want.
Fast forward, she gets sick. She asks to push the
meeting out, and I was like, oh, well, I've got
a job, like, no stress on me.
Speaker 2 (06:54):
Of course, take your time. I'm not I've got nowhere
to be. And she did take her time.
Speaker 4 (06:59):
Well, now we're at the end of February twenty twenty
and I think, cancel all remember exactly what happened, and
so can we push the meeting out? A week became Oh,
I'm so sorry, there's this sickness going around. We're going
to move to remote work because we can wear a
digital agency. I feel like it'll only be a couple
of weeks. Can we just push our meeting back a
couple more weeks? And I was like, well, sure, what's
(07:21):
a couple more weeks? And then that became a couple
of months, and then it kind of became I'm so sorry.
We're just trying to keep our head above water. We
are there's a hiring freeze. The job doesn't exist anymore,
which I totally understood, but it was really hard because
now we're maybe like four months into twenty twenty. I'm
working in this pitpacking job, which, like I was grateful
(07:41):
to have because so many people were losing their jobs
at your time, absolutely, and I was really lucky that
being in logistics, it was the one industry that was booming.
Speaker 2 (07:49):
But it was tough work.
Speaker 4 (07:51):
Like I was getting up at four am to be
at work at five am, working a ten hour day.
Speaker 2 (07:55):
And if you guys know this, oh I'm not a mooring.
Speaker 3 (07:58):
Sorry. If I said, oh, I go up at four
to do something at five, I think the rest of
the team to be like, yeah, okav yeah, we don't care.
Speaker 2 (08:05):
The second Jes says, I was.
Speaker 3 (08:07):
Like, at four, I go watch out, watch out, watch out,
give her a wide clearance slide.
Speaker 2 (08:11):
I was she's probably going to cut.
Speaker 4 (08:13):
You on struggle straight, and honestly, my mental health really
took a hit, and that you know, I was telling
the line of like being grateful to have a job
when I knew so many people didn't, but also feeling
like my career was really not moving forward. I was
feeling super stuck. I ended up moving warehouses mid twenty
twenty because I was like, Okay, well if I can't
get a job in my industry, because nowhere was hiring
(08:34):
for eas everyone had a hiring freeze, I was like, well,
maybe I can just move to a warehouse with better
conditions because they weren't really great entire ideal, they weren't great,
and so I ended up at the Mecca Warehouse, which
they were wonderful to work for. It was still obviously
tough work in logistics, but they were really fantastic as
a community.
Speaker 3 (08:53):
I would have preferred fac makeup too, absolutely when I
hired you, which is what I'm sure we're going to
get to.
Speaker 2 (08:59):
So yeah, she still worked at Mecca with that Mecca
discount guy.
Speaker 4 (09:03):
It was very It was lovely that forty percent discount.
Speaker 2 (09:06):
Oh god, oh, it was the best part about hiring
you no, and then yeah.
Speaker 4 (09:11):
End of twenty twenty, I had been following Shees on
the money. I've been paying down my debt. I'd listened
to season one and you guys put a post up
on Instagram saying you are hiring for two different roles.
You are hiring for someone to do content, you're hiring
for an EA, and I applied and I said, oh,
I actually kind of a qualified to do both of
these things, and so you can a lost dog. Yeah,
you kind of rolled them together to give me my
(09:33):
own little custom job, and.
Speaker 2 (09:35):
I've been here ever since. It has been the best.
I'm sorry, that really was a journey.
Speaker 3 (09:39):
I'm such a bad storytelling, you know what, No, because
I think people would have really enjoyed listening to that,
because I enjoyed listening to that, and I think it's
so much nice that I just hear it in Jess's
tone of voice and the way you would have be
explained it at breakfast as opposed to it.
Speaker 2 (09:54):
Okay, cool. So if I just read through my LinkedIn.
Speaker 4 (09:56):
Like Marl is fun, maral of the story is you
you don't have to follow the linear path, like things
can go up and you can go backwards.
Speaker 3 (10:03):
And sideways and diving in. So you started as my
EA and did some content stuff on the side. What
have you done since joining? Because I think a lot
of people are like, well, what does Jess do? Like
she was more on the pod Now she's not as
much on the pod, and like we see her floating around,
but she's not VIA's assistant, Like what do you do?
Speaker 1 (10:22):
Well?
Speaker 4 (10:22):
I look after all of our partnerships, and I guess
after I joined, the show really exploded, and you know,
all of a sudden, we had all of these amazing
partners that wanted to work with us.
Speaker 2 (10:31):
The team grew.
Speaker 4 (10:32):
When I started, I was the first and only employee,
and so from there we've gone to a team of
what like eight now or something like that, and so
the business has expanded. We've been able to do so
much more, and with that has come the opportunity to
do so many different commercial partnerships. We've had the books,
and we've had all of the incredible projects we have,
you know, our sponsors for the show, and so I
(10:52):
look after all of that, which is really fun because
we you know, we get to talk to so many incredible,
really well aligned companies. I'm just kind of kicking around
on the pod when I need it like that was
never intended to be part of my job. I wouldn't
say when I was hired, but it's so.
Speaker 2 (11:06):
Much fake sense. Yes, and we have fun doing it.
Speaker 4 (11:10):
I love it. There's nothing more fun than sitting down
and getting to have a chit chat with you.
Speaker 2 (11:13):
It's the best.
Speaker 4 (11:14):
Anyway, Enough about me, I think I just talked for
about ten thousand years. We've had so many people in
the community asking when we popped this question box up.
They want to know vd from you. What are your
tips for financially preparing for a baby, preparing for maternity leave,
parenting in general, and are there any tips you specifically
have for a first time mum because you're a first
(11:36):
time mum.
Speaker 3 (11:37):
I am a first time mom, and you know what,
if you're going into this as like a first time
single mum, that's really hard. I think you need to
just take the pressure off yourself. I think social media
doesn't do a lot of good things for parenting. It's
a topic that I have been sort of touching on
on social media recently and the amount of backlash I
get for just having an opinion whether it is right,
(11:59):
whether it is like it's just wild how much that
topic triggers people. And I think that when I was pregnant,
I was trying to learn, I was trying to absorb,
Like my entire TikTok feed became about pregnancy, in birth
and babies, and like I loved it, but at the
same time, I found it all consuming. So I think
taking a step back would be some of the best
(12:20):
advice I have. I just think that people are going
to tell you that you need all this stuff as well,
you don't need the stuff, Like I was very grateful
and very lucky during my pregnancy to be sent so
much stuff.
Speaker 2 (12:36):
You just don't need it.
Speaker 3 (12:37):
Like you need a nice dry place for your baby
to sleep, you need something to keep them really warm,
a few onesies and way to feed them, Like honestly,
they are going to be fine at the start. And
I would really prioritize your mental health so like we
could do and I've done episodes on like financially preparing
for a baby. Go listen to those will link them
(12:58):
in the show notes. But I don't think it changes
what you're taking into consideration, whether you're in a couple
of whether you're single. Just because you're going to have
to think about childcare costs. You're going to have to
think about, well, how do I feed this child? How
do I clothe them? Yes, you don't have a duel income,
but all of the parameters are kind of still the same.
(13:19):
So to me, it's genuinely about taking the pressure off
yourself and then realizing that, do you know what, your
parenting journey is not going to look like everybody else's.
It's going to look like yours. And for so long
I was like, oh my god, like looking at milestones,
completely up to you. But I deleted all the apps
like tracking milestones. It becomes really overwhelming. Like I was told, Oh,
(13:42):
your baby all start getting teeth at like six months,
that's fantastic.
Speaker 2 (13:45):
Mine actually had teeth at three months and I took
him to the.
Speaker 3 (13:48):
Doctor because I was so worried about it, and the
doctor kind of looked at me and was like, yeah,
like he's just got a tooth.
Speaker 2 (13:53):
Like that, that's a thing.
Speaker 3 (13:54):
Yeah, And I was like, sorry, what I think all
of this external pressure did me no good And now
I just do whatever I want as a parent, like
in the nicest possible way. I think a happy baby
and a healthy baby is all I care.
Speaker 2 (14:06):
About, definitely.
Speaker 4 (14:07):
And when it comes to prepping for maternity leave, is
there anything you think people should be kind of considering
having conversations with their partner.
Speaker 3 (14:14):
Yeah. So I think that when we're talking about prepping
for matt leave, what you want to really do is
think about what you're doing on mat leave. I think
so often you go, it'll be really easy to live
off one income, but you're probably going to have a
whole heap of like incidental costs, additional coffees because you're
going on walks, and you should be prioritizing getting out
of the house for your mental health. I think so
(14:34):
many times when you're on matt leeve, you're like, no, no, no,
we need to be really strict and really safe. But
during a period of turmoil, during a period where your
hormones are absolutely erratic, like, let's just maybe spend a
little bit more on our mental health, on you know,
that extra coffee. I know that that sounds a little
bit flippant, but like I promise there are mums listening
to this that are already mums that are like, oh
(14:56):
my god.
Speaker 2 (14:57):
I know the amount of times I was like, no,
I really shouldn't go the cafe.
Speaker 3 (15:00):
I went yesterday, but like that would have changed the
trajectory of their mental health for the day.
Speaker 2 (15:06):
I'm sorry.
Speaker 3 (15:07):
Go spend the five dollars, do you know what I mean? Like, here,
go for the walk, get out of the house, spend
the five dollars. Put that into your budget. And I
think that matt leave can be really really challenging because,
especially if you're a single mum, you are trying to
work out, well, when can I go back to work?
And it might be earlier than your peers, that might
be earlier than your friends. You might, in a perfect
(15:27):
world love twelve months off, but you can't afford that
you're doing the best thing you can for your family. Yeah,
And I think we just want to take the pressure off, Like,
let's not look at what you can't do, let's look
at what you can do. And how do we kind
of embrace that without judgment? Yeah?
Speaker 2 (15:42):
I love that? Should we?
Speaker 4 (15:43):
Is that also a good time to be talking to
your partner about potentially they're making contributions to your superannuation?
Speaker 3 (15:48):
Absolutely, we're asking about superannuation. I'm not taking time out
of the workforce to be behind I would say I'm
not going to say it's less important, but it is
less important because as the first of July this year, yes,
supernuation is now payable by the government on maternity leave.
Speaker 2 (16:07):
Amazing.
Speaker 3 (16:07):
We now get twenty four weeks of paid maternity leave.
Incredible as opposed to what we had before. And that's
really sexy. But that's also minimum wage, so it might
not be what you were previously contributing, and I.
Speaker 2 (16:21):
Might be asking my partner for the top up.
Speaker 3 (16:23):
Yeah, like sorry, I'm not here sacrificing my financial future
so that you can go back to work and have
a really secure financial future.
Speaker 2 (16:31):
I'm sorry.
Speaker 3 (16:32):
Fifty percent of marriages and di divorce, Like, and that's
just marriages. So many people I know nowadays are having
kids and they're not married and that doesn't matter at all,
But like, what about those relationships?
Speaker 2 (16:42):
So I just get your bank sis, Yeah, be prepared
for the worst.
Speaker 3 (16:46):
Another big theme JESS that we saw coming up was goals,
and we love talking about goals, how to choose them,
how to stick to them, and how to balance those
really big financial dreams with life goals that also come
with a really big breast tag. We also had someone
wanting to know if travel was a bad money goal.
Speaker 2 (17:04):
I don't think any money goal is inherently bad. Like
all your goal, you got a goal. Yeah, your goals
are so personal to you.
Speaker 4 (17:11):
As someone who traveled a lot when they were younger,
and I spent like all of my money traveling, I
don't regret spending the money. I regret the way in
which I did it, just because, like spending every dollar
meant I wasn't the most financially stable.
Speaker 3 (17:23):
I really don't regret things that we did in our
youth because we didn't have the education correct, Like I.
Speaker 4 (17:28):
Wish that I had had the knowledge that I have
now and had been investing for long.
Speaker 2 (17:32):
Been better. But yeah, whatever. I think travel is an
amazing goal.
Speaker 4 (17:35):
I think there is so much that you can learn
from being outside of your comfort zone. I've done a
lot of travel to third world countries, and I think
that particularly has been really beneficial to me in terms
of gratitude and you know, having I guess more of
a consciousness of the impacts of what I do on
a global scale, and you know what I mean, the
(17:56):
world is so much bigger than us. I think that
traveling is a really good way to do that, to
connect with other cultures, to meet new people, to see.
There's just so much in the world to appreciate and
enjoy and explore. And I think that that is so valuable.
And so I think that if that is something you
want to do, just prioritize that save do it responsibly.
(18:18):
I don't think that you should feel bad about that
at all. And in terms of having, you know, balancing
those big goals with your life goals, you love to
say you can do it all, but not all at once,
and I do love it.
Speaker 2 (18:28):
I think that's so true.
Speaker 3 (18:29):
I am a broken record who you probably you need
to move on from. She's on the money you need
too long. You could just paraphrase me consent.
Speaker 2 (18:36):
Adopted all of your idioms. I mean, I'm not mad,
I'm just concerned.
Speaker 4 (18:42):
I have a good question actually to follow on from that.
Our next community member wants advice on how to stop
sabotaging herself with irresponsible spending and not sticking to her goals.
Speaker 2 (18:52):
Do you know what I think it's about? And get
this zooming out?
Speaker 3 (18:55):
Oh, Because I find that from a psychology persons, self
sabotage often happens when we're scared of change. It often
happens when we're worried about, well, what happens when I
achieve that goal? Am I going to feel the way
I thought I was going to feel? And you might
not be thinking this, but self sabotage is often about
not lacking change.
Speaker 2 (19:15):
It's not because you don't want to succeed.
Speaker 3 (19:17):
Because if I said, you know, Jess, you really want
to save for a house, and I'm going to use
this as an example, but then you keep dipping into
your savings account, you're like, well, it doesn't matter, it
doesn't matter. And then but what's your biggest goal in
the world? You say, well, saving for a house. More
often than not, the self sabotage is coming from being like, oh, yeah,
but I'm happy where I am. I don't really care
about the che do you know what I mean? It's
about change. So I think we really need to get
(19:40):
serious with ourselves. If you are going in and being
a bit irresponsible with your spending when that's not what
you want, fine, but why tell me what are you
getting out of that? Tell me do you actually that
big money goal that you were working towards. Is it
actually your goal?
Speaker 2 (19:57):
Because right now you're telling me it's not to get
some hard truths out there.
Speaker 3 (20:01):
And be like, maybe this isn't my money goal, and
maybe I'm saying that I'm saving for a house because
society has been telling me I'm saving for a house
and should.
Speaker 2 (20:10):
When I actually don't give two shits about it.
Speaker 3 (20:13):
Yeah, And then we need to flip it over and go, okay, well,
if it is your goal, why are we self sabotage?
Speaker 2 (20:19):
What happens when you buy the house? Is it the change?
What happens when you are realistic about this?
Speaker 3 (20:25):
And I think it's just about creating a plan because
we're all good at self sabotage. I'm the best at
self sabotage, And like Jess, you would have seen this
a million times. It doesn't matter what it is, whether
it is for me a savings goal or I'm really
close to finishing something. You know what happens when I'm
close to finishing a book, I shut down the last chapter.
Good luck getting that out of me. I don't want
(20:46):
to do it, and I don't know why I don't
want to do it. I don't like the idea of
that process and I don't.
Speaker 4 (20:52):
Know what it is.
Speaker 3 (20:53):
But like getting me to finish something can be quite
challenging cat talk about. But I think it's so important
to understand why that's happening. And that's when I have
to go, you are self sabotaging again.
Speaker 2 (21:06):
Why are you doing this?
Speaker 3 (21:07):
Because if you don't pull your finger out, you're not
going to achieve this thing, And like, that's actually what
you said you wanted.
Speaker 2 (21:14):
And sometimes it's just scary, and.
Speaker 4 (21:16):
It about identifying the trigger a little bit too going
more often than not, I think it's probably a pattern, right,
And so you might see, like with the book, for example,
you get to the end and you go, oh, well,
I don't want to finish reading the book. I'm too
overwhelmed with the thought of starting a new one or
finding a new one, whatever that looks like for you
know whoever, whatever goal you're dealing with.
Speaker 2 (21:34):
So I feel like if you can identify.
Speaker 4 (21:36):
Like what causes you to self sabotage, you might actually
be able to get to the root of the problem
and then identify what solution you can put in place.
Speaker 3 (21:45):
One all right, Katie has asked us if we can
explain how platforms like shop back actually work.
Speaker 2 (21:53):
We talk about them.
Speaker 3 (21:54):
All the time, but she wants to know, how do
you actually use them, and you know what I'm asking you,
because you're basically the shop back Wien is just good.
Speaker 2 (22:02):
I do love a cash back platform.
Speaker 4 (22:04):
Basically, the way that these platforms work is it's like
a referral system. So if you have their like a
little pop up opening the browser, or you shop through
their website using the cookies to track where you're going.
And so let's say you go, oh wow, there's twenty
percent cash back at the Iconic today, I'm going to
buy that thing I wanted. When you click through shopback
toor whatever platform you're using, the Iconic pays a referral
(22:27):
fee to shop Backs or whoever for sending a click
correct exactly right, which is a really standard way of
doing things. And then these platforms then share a percentage
of that with you in the form of cash back.
So you accumulate cash back through online shopping, and then
sometimes you have to heat a threshold.
Speaker 2 (22:45):
When you're ready, you can withdraw it, usually.
Speaker 4 (22:47):
Straight to your bank account, to your pay pad money,
and it's such a you're spending the money anyway, is
the way that I look at it. So why not
I think every year I maybe get one to two
hundred dollars cash back just from like standard every year. Yeah,
really just standard normal online shopping, especially because I try
and use the upsize one and.
Speaker 3 (23:04):
You're you're not the biggest shopping in the entire world.
This is probably going to help me. I just cashed
in one thousand dollars worth of shop Oh my god.
And I did an extra investment because I was like, oh,
it's just tipped over this, I'm going to like take
a thousand dollars out and invest it. So I did
like another investing bundle boring ETFs. But that was really cool.
(23:26):
And when I saw it, I was like, holy guacamole.
Just by having it on my like having it on
my browser, it pops up and says, do you want
to turn on cash back for this website? And I'm like,
well yes, And I mean I also book a lot
of travel for work and stuff through that. So I
don't want people to be like, oh, Victoria is actually
a really irresponsible shopper, because I think you would know
(23:47):
I'm actually not that bad, but I do have a
lot of work expenses, a lot of offs works stuff.
Like Anyway, it was nice to get some little cash
holder absolutely, and it's like I love to.
Speaker 4 (23:57):
I have all my favorite shop shops they shop at
regularly favorited, so I get notified when there is upside.
So the same pet food, for example, gross twenty percent
cash back. I'm stocking up things like that so you
can even just take your normal every day spending and
hopefully get a little bit of money back on exactly.
Speaker 3 (24:12):
All right, Jess, let's take a really quick break and
then we're going to get into money saving tips for travel,
and we're going to have a quick chat about budget
date notes, so guys don't go anywhere. Welcome back, guys
to our very special Q and A episode. We are
loving the questions that you guys send in. Honestly, we
(24:35):
could probably do this all day, but we actually have
a timer on because the studio is booked by somebody else.
Speaker 2 (24:41):
So Jess, what's next on the list?
Speaker 4 (24:43):
Another one that we saw coming up time and time again.
The people want to know what are our favorite tips
for saving on travel? And we had one specific person
requesting tips to the US, which we did a trip
a couple of years ago.
Speaker 2 (24:55):
We went to New York and then we went to
New Orleans. It was lovely and to go to Disneyland.
Oh that was absolutely the highlight of the true So
first thing I would say is cash back.
Speaker 3 (25:06):
So making sure that if you are booking travel, you
are doing it through a cash back platform. It always
says us like I think I got two percent back
on my most recent flights, but two percent of flights
I'm paying a couple of grand Like that ends up
being a couple of hundred dollars. Yeah, so money win.
The next is when you're looking for flights online, clearing
your cookies. So this sounds silly, but I always look
(25:29):
for flights in a private browser, Like I go into
a private browser, make sure my computer's clear of cookies first,
because there's no remarketing that happens with flights.
Speaker 2 (25:39):
And sometimes you know, when you go on and it's like,
oh these return flights, you're up a twelve hundred dollars,
and then you go back a day later and it's
thirteen fifty and you're like, hold on, hold on.
Speaker 3 (25:48):
That can be quite purposeful. So we are making sure
that we don't have that on. I'm such a points
hacker as well. We did a whole episode you and
I actually just on points hacking, and sometimes I I
try to most of the time use my points to
either upgrade my travel or pay for part of my travel.
And you don't just have to use points for flights.
(26:09):
You can also book accommodation, which is really helpful. I
think is really cool. So like, for example, we'll get
to the US, but I have just booked a trip
to Bali and I've paid for our business class return
flights with Virgin with points, and then I'm staying at
two different resorts. We're going for a wedding, so the
wedding venue was actually on my points platform, so I
(26:32):
was able to book. I had to do like a
cash top up, which was fine. I used all the
points for that, did a cashtop up, and then I
paid cash for the rest of it. So like technically
this holiday is mainly paid for in points, like obviously
not spending money and like the other hotel, but like, sorry,
that's a good deal.
Speaker 2 (26:50):
That's a really good deal.
Speaker 4 (26:51):
I like for flights to make sure that you're taking
like looking at the options. So if you want to
fly in the middle of the day direct, you're going
to pay the most money. But if you're willing to
leave it five in the morning, I actually I want
to stop over in a country, you can save yourself
a lot of money, and I think that's really well
worth doing if you are trying to.
Speaker 2 (27:10):
Do it affordably.
Speaker 4 (27:11):
The other thing I would say is public transport, depending
on where you're traveling, but a lot of countries have
really great public transport systems. New York, for example, where
we went, had the subway, which.
Speaker 3 (27:20):
Made everybody care the train everywhere. Sorry you're not getting
ubers in New yourk Yes, too expensive.
Speaker 2 (27:24):
Absolutely, So I think that's really great.
Speaker 4 (27:26):
Also, looking for discounted tickets to attraction, so you can
often get like tourist deals where it's like buy one,
get one half off or whatever that looks like. Student
discounts are a global thing, so you can often get
student discounts to get into different attractions, museums, et cetera.
So looking on any way that you can really get
(27:47):
a good deal I think is a big one. And
then lastly I would say for your accommodation. I'm a
skimp out on accommodation person. You're theoretically just there to sleep,
and so like when I went to Japan and we
were sleeping in a room that was like two meters
by two meters and we were actually.
Speaker 2 (28:03):
That could never be me, and you've traveled with me,
you know what.
Speaker 4 (28:05):
I'm like, I'm not gonna like, I'm not going to
say I don't love staying in a beautiful five stars
or but.
Speaker 3 (28:09):
If we're trying to cut well, she enjoys it, she's grateful,
But like if she's paying for herself, she's going to
stay in a shoe box.
Speaker 4 (28:16):
Yeah, I just think you're there to sleep and store
your stuff, and that's fair and I think that that's
a really good place.
Speaker 2 (28:21):
That you can look to cut costs. See, for me,
I like to spend a little bit more on accommodation.
Speaker 3 (28:26):
I think because I'm generally such a homebody, Like I'm
the type of person and you saw this when we
traveled and the US I think is a really good
example of this. Is like I would want to go
back to the house, like in the early afternoon and
have a few, like Rotta hours of just like being
inside scrolling on my phone, having a little bit of
a rest, and then going back out for dinner and
(28:48):
whatever we were doing after.
Speaker 2 (28:50):
So for me, that's a priority.
Speaker 3 (28:51):
But I was I was thinking as we were talking
about this, another area that I would say, I save
a lot on is food. And the first time we
went to America together, Jess, we shared a room because
we were savvy and also like we low key enjoy that.
I went straight to the supermarket, didn't I I got
like breakfast cereals, I got like filter coffee, I got
(29:13):
like or whatever.
Speaker 2 (29:14):
It always like a cold brew coffee thing, because I
was like, I am not.
Speaker 3 (29:17):
Spending like seven dollars USD on a coffee every single
morning from Starbucks where it's not even that good. And
I would also eat cereal in the mornings in our
hotel room.
Speaker 2 (29:27):
It worked out so well.
Speaker 3 (29:29):
And I'm such a I don't care how much money
we have and such a let's make sure that we've
got snacks at home.
Speaker 2 (29:34):
So like I was also packing your bag before you left.
Speaker 3 (29:37):
I was like, here's a musly bar for the day
in case you got a little bit hungry before lunch.
Speaker 2 (29:41):
Like, I'm sorry, I'm not paying for snacks out.
Speaker 3 (29:43):
I'm going to go to the supermarket when I arrive
at my location, get some snacks, get some breakfast stuff.
I swear it saves us over a like a week trip,
a couple of hundred dollars easily because sorry.
Speaker 2 (29:55):
We've got food at home. Yeah, okay, at home is
now here in New Orleans, in Florida or wherever we are.
And if we have to eat with a spoon out
of the box, so be it.
Speaker 4 (30:04):
No, no, no no.
Speaker 3 (30:06):
We also bought lights and spoons and cutlery. We are
arguably relatively unhinged. And on my trip to Bali that
we're about to go on, I've actually packed a lunchbox
for Harvey because I will be making little sandwiches at
the buffet breakfast every morning so that he has morning
tea and lunch. Because I'm sorry, he's under the age
of two. He's not getting the menu at the pool,
(30:29):
so he's just not Yeah, I don't care. You will
have a little veggiemke sandwich or whatever, and I know
he'll be happy with that. All right, let's move on
from this, still talking about saving money, but you're extra
good at this, Jess. Lizzie wants to know what our money,
date nights and conbos look like with our partners.
Speaker 4 (30:49):
We don't do a regular to be honest, a regular
date night or conversation. We just have a structure that
kind of works for us. We don't fully share finances.
We split our rent class, we split our shared expenses,
so like bills and groceries and that sort of thing.
But outside of that, we really like there's not too
much crossover, and so we don't have the need to
have those types of conversations. But I would say, if
(31:11):
that's something you're wanting to do, it's really about just
approaching it honestly and pragmatically. I think that money can
be a tense thing. If you feel like one person
is spending more than the other, or if you feel
like one person is taking your savings goals more seriously
than the other, it can bring up a lot of emotions,
and I think it's really helpful to take the emotion
out of it and look at your numbers. So I
(31:32):
think if you're going to approach your partner about their
spending habits, for example, or wanting to cut back or
whatever that looks like, have some numbers to back you
up and go, Okay, well, I've done the math on
what our spending is looking like, and if we cut
back xyz, we could save this amount. And so I
think that having something factual is also quite irrefutable, so
it keeps it. I think from being emotional, it keeps
(31:55):
it really clear for them to be like, hey, like
this is what I'm thinking, and this is the practical
application of that. I think is really helpful, particularly because
everybody's brain works differently, so your partner might really thrive
on the numbers or they might thrive on understanding your emotions.
You're kind of covering both of those bases.
Speaker 2 (32:14):
I think. Try to make it fun too.
Speaker 4 (32:15):
Like let's cook a dinner at home or have a
fun dessert, or we can go out and do it
at the restaurant. But if you're wanting to make it
a regular thing, it can be nice to make it
feel exciting in some way. And I feel like talking
about budgeting and stuff often doesn't.
Speaker 2 (32:30):
It's not very sexy.
Speaker 3 (32:31):
I feel like you and Steve probably have a better
approach than I do. You know what we don't, and
I think that's going to surprise a lot of people.
We don't do regular date nights for money anymore. I
feel like we did when we were trying to save
for a house, saving for our wedding, and everything was
coming up, and we were trying really hard to like
stay on track more towards the beginning of our relationship,
(32:53):
we definitely did our money date nights to kind of
like get on track with each other and like kind
of get on the same page. And of different stuff
would come up, and we were doing them maybe once
every month, and we weren't going out for them or
just doing them at home over dinner, but like instead
of sitting on the couch, we would sit at the
dining table and have our laptop open and have the
(33:13):
budget or whatever, very serious business meeting. You know, I
obviously as an advisor, loved it, but it can be
quite confronting because like we're talking to each other about
like what we're spending and like our values and if yeah,
can it can be not that fun, let's be honest.
But we definitely did them when we were like working
towards bigger financial goals. And now I would say we're
a little bit more financially comfortable, but we're also in
(33:37):
a different stage. So now our finances are one hundred
percent combined, like both our incomes go into an offset
account to our mortgage, and then just life happens from there.
Like it's not my money or his money, it's just
the money that we have, and that works for us,
but when we have bigger decisions coming up, we will
schedule one. So like we have a holiday coming up
(34:00):
before that, we're going to Bali. Like Steve and I
used that as an excuse to go out for dinner.
I was like, okay, cool, Like Mum and dad can
have Harvey that night and we'll go get We're into
the little tie place down the road from our house.
Love and we just talked about okay, we're going to
go to Bali, like how much are we willing to spend?
Speaker 2 (34:16):
Like how many?
Speaker 3 (34:17):
And it's just like a lot of logistical conversations now
as opposed to being on the same page. So we
were like, okay, let's like log into your Velocity account
and my Velocity account because we do like the puling things.
I can't see Steve's points, but he has all my points.
I don't know anyway, how many points have we got?
Speaker 2 (34:33):
Okay, cool?
Speaker 3 (34:33):
Like what would that get us? Do we want to
spend our points on the trap like on the flights
or the accommodation. Turns out we had enough for like
a little bit of like the flights and some of
the accommodation. Where do we want to stay what kind
of budget are we looking for? Like, I think that
really helps us when bigger things are coming. You know,
if we plan another baby, we'll sit down and have
(34:54):
a big money conversation about like, well, what does that
look like?
Speaker 2 (34:57):
What does your leave look like?
Speaker 3 (34:59):
But yeah, I think as time goes on, your money
conversations aren't as like, Okay, we have a date night
and we go through our budget every single week because
that just ticks along, and we're both on the same
page about that, like we don't need to have that
regular date night, but when things are popping up, like
I don't want to book a hotel that my husband
and I haven't actually discussed, Okay, every night we want
(35:20):
to spend this amount, like because I feel like we
can easily fall into me going oh, I want to
book this hotel and it's this much per night, and
Steve goes, oh, yeah, no worries, that's fine.
Speaker 2 (35:31):
But then he's not as across our finances. I don't know.
Speaker 3 (35:33):
So when big things come up, we're doing it, but honestly,
not that regularly because it just it's not that it
doesn't work for us, but we're now kind of on
the same page, and I feel like you use your
date nights to get to that place, and now we're
at that place.
Speaker 2 (35:46):
We're using them as we need them, not monthly. Amazing.
Speaker 4 (35:50):
Well, I've got a fun one for us to end
on from Tyler who said, if you won a large
amount of money tomorrow, what would your treat to yourself be?
Speaker 2 (35:57):
Oh my gosh, I'm sorry. Can you imagine going into
your shares account and like investing a couple of hundred grand?
Oh I wouldn't do it all at once. I dollar
cost averaging into the market.
Speaker 3 (36:09):
Don't worry, guys, But can you imagine transferring a couple
of hundred grand to your Shares of These account and
just seeing it in your wallet able for you to invest.
Speaker 4 (36:17):
It's so funny that you went a couple of hundred
thousand when it said if you want a large amount
of money, I'm thinking I won twenty million on the lotto, like.
Speaker 2 (36:25):
Different winning one hundred thousand dollars heaps of money. I
mean absolutely, But I just took this as you know
that it's.
Speaker 3 (36:31):
We are still community ages ago, and if you search
in our Facebook group there's a whole thread we asked
you guys, what to you is a large amount of money,
and it was so wild because some people were like, oh,
twenty dollars, gluck, that's heaps.
Speaker 2 (36:46):
Some people were like twenty million, and I'm here like,
I don't know that.
Speaker 3 (36:49):
My default was like a large amount of money, Oh,
a couple of hundred grand go if I'm buying twenty
million dollars.
Speaker 2 (36:54):
Yeah, I don't know what my treat would be. I
feel like a favorite fantasy. I feel like I get.
Speaker 3 (36:59):
Analysis paralysis and just like freeze up a bit. Honestly,
we're probably going out for dinner. Yeah, we're going to
go again Steak Fritz, Jessica Gorgeou We're gonna get Steak
Fritz in the sprits.
Speaker 2 (37:09):
Oh lovely.
Speaker 4 (37:11):
I feel like gonna be buying my ultimate dream house,
which would be a huge house with big windows and
curtains on the beach.
Speaker 2 (37:17):
I could on the beach on the like walk straight out. Yeah,
that's loved love well.
Speaker 3 (37:21):
I think that is a perfect place to leave it,
because this was such a fun one.
Speaker 2 (37:26):
If you've got a question that you would love us to.
Speaker 3 (37:28):
Answer, make sure that you're following us on Instagram because
that's where we do all our call us for questions.
Just like this and while you are there, my friends,
don't forget to like, subscribe and leave us a review
if you haven't already. It helps more people find the
show and join our amazing community. Guys, thanks so much
for hanging out and we're gonna be lucky to see
you again on Friday.
Speaker 2 (37:48):
Hi did buy shared on Cheese.
Speaker 3 (37:56):
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Speaker 2 (38:13):
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(00:22):
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We thank acknowledge and respect the Abiginal people's land that
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Speaker 2 (00:44):
She's on the Money. She's on the Money.
Speaker 3 (01:07):
Hello and welcome to She's on the Money, the podcast
that is here to answer all of your burning money
questions and probably overshare while we're at it. I'm Victoria
Devine and today well Beck is off elsewhere being absolutely fabulous.
Speaker 2 (01:22):
I've got the one and only Miss Jess Garried. She
joining me. Just welcome.
Speaker 4 (01:27):
That was like a real like woo, I fin they
should be theen music playing in the background.
Speaker 3 (01:30):
It should be I'm just greed she People get so
annoyed when I say that, They're like, why do you
always say her name like that?
Speaker 2 (01:37):
I get so many messages like, not so many.
Speaker 3 (01:39):
Actually, that's probably me over over estimating that, but at
least one a month of people being like, why do
you do that to Jessica, isn't it because that's the
way you're technically meant to say it?
Speaker 2 (01:50):
Justly in a way. Yeah, I really just ostralized.
Speaker 3 (01:54):
So jess and I we thought today, while we've got you,
we thought it would be really fun to a community
Q and A. So you might have seen on our
stories us asking for some questions because if there's one
thing we love more than a money chat, it's answering
your questions. And honestly, our community they always bring the goods.
Speaker 2 (02:13):
Oh I love I feel like it's fun to do
a little bit.
Speaker 4 (02:15):
It feels personal, right, Like it feels like we're chatting
with you guys exactly.
Speaker 3 (02:18):
Someone was like the other day They're like, oh, I
saw you in person and I wanted to say hi,
but I felt like that was really rude, and I
was like, you know, what's really rude when you see
a friend in public and you didn't say hi.
Speaker 2 (02:29):
Totally.
Speaker 3 (02:30):
I love chatting to you guys, but you have a
lot of questions. So should we get into it, Miss
jeff Breach, Absolutely, okay. So our first question comes from
our friend Kathy, and this is word for word. Kathy says,
I want to hear more about Queen Jessica Ried she's
Kobrea Path. She has so much vision and such good
(02:50):
work ethic.
Speaker 2 (02:51):
Ah, that's a thinky Kathy's. She does have really good work.
I think if you learn anything from Jessica is that
that's so sweet.
Speaker 4 (02:59):
I have had a very non conventional career, which I
feel like we've touched on here and there. I did
not go to university, which not to say that that's
right or wrong, but glad that I didn't because I
don't like I didn't need it for my career and
I don't have hext it as a result. But at
the time, it wasn't an easy choice. I went to
school through an advanced placement program and there was a
(03:20):
lot of academic pressure and I wasn't sure that that
was the right choice. But I just went straight into working.
I worked full time in a retail job for a
number of years, and then I took my first, I guess,
corporate style job. It wasn't full corporate, but it was
at a real estate agency.
Speaker 2 (03:35):
I was an EA. I reckon, that's corporate. Yeah, it's giving,
like soft corporate, I would say.
Speaker 4 (03:41):
And you know what the really interesting thing is is,
even though I didn't love that job and there was
a I learned a lot about the behind the scenes
of real estate, and there's so much transferable knowledge and
transferable skills, and I think when I look at really
every job that I've done, there's things that I've taken
that like, to this day, I still use really regularly.
(04:01):
So from real estate, I went into an actual proper
corporate EA role, and I did a couple of different
ones at different companies before ending up in an OPS
job at the most corporate place I'd ever been. And
that was where I really realized corporate wasn't for me.
Sure this particular company was not for me. The misogyny,
(04:21):
the like just the I don't I don't want to
trash it too publicly, but it just was a different time.
Speaker 3 (04:27):
I've heard all of their gossip and I would happily
trash them.
Speaker 2 (04:31):
Yeah. It was just very much not a good time.
Speaker 4 (04:33):
And it made me really realize how important values are
to me in a workplace, and working somewhere that's misaligned
to my values was something that I found really deeply challenging.
And so I finished up there. I had lined up
a job. This is I finished up there. End of
twenty nineteen. I'd had reached out to somebody at a
(04:54):
marketing agency that i'd applied for a job for previously,
and I'd been top two, and I'd kind of kept
in touch with women, and I said, hey, like, I'm
actually looking for work. If you see anything going, would
you mind letting me know? And she said, oh my god,
what crazy timing. I'm about to hire an EA roll.
Come in and chat like this seems like it's meant
to be, And so we'd arrange for me to come in.
(05:15):
She said, you know, everything's shut down in January in
marketing land, Like, come in start a feb maybe mid Feb. Actually,
you know, to give me a bit of time to
get things sorted and we will basically get you on
the books. I was like great, and then mid feb
twenty twenty, she goes, Oh, I'm so sorry. I've caught
the bug that's going around. I'm so little covid bug.
Speaker 2 (05:36):
I'm so sick. Can we push this out like a week?
Speaker 4 (05:39):
And I was like, of course, like what's a week?
It's here or there. Oh I got important context that
I completely skipped over. So when I stopped working retail
full time and I went to corporate, I kept my
retail job on the side. I would work the late
night shifts, the weekend shifts. I was doubling up, so
I was working maybe like forty five fifty hours a week,
which was great for saving money, and so I kept
that on the side.
Speaker 2 (05:59):
The whole time.
Speaker 4 (06:00):
It was lovely because you have forced shutdowns over Christmases
normally when you work in a corporate environment. So I
would work through like my normal year, pick up full
time work basically through the Christmas sales period, and then
in retail that normally tapers off mid jam, which would
be when I would go back to my normal job.
So when I left that job, I was like, Okay, well,
I can at least work full time through Christmas like
(06:21):
I normally do in retail. Shout out classes, and then
I needed something to pick up and I had a
lot of friends at the time who worked in logistics,
and they said, oh, just pick up like a casual
pickpack a role. You can do it through a labor
higher agency, so you're not tied down to any kind
of contract. The pay is really good, it's really it's
relatively flexible. And I was like, oh, great, Like I
can work there maybe four to six weeks till I
(06:41):
get this new job at this agency in the door.
Don't have to spend my savings. That's exactly what I want.
Fast forward, she gets sick. She asks to push the
meeting out, and I was like, oh, well, I've got
a job, like, no stress on me.
Speaker 2 (06:54):
Of course, take your time. I'm not I've got nowhere
to be. And she did take her time.
Speaker 4 (06:59):
Well, now we're at the end of February twenty twenty
and I think, cancel all remember exactly what happened, and
so can we push the meeting out? A week became Oh,
I'm so sorry, there's this sickness going around. We're going
to move to remote work because we can wear a
digital agency. I feel like it'll only be a couple
of weeks. Can we just push our meeting back a
couple more weeks? And I was like, well, sure, what's
(07:21):
a couple more weeks? And then that became a couple
of months, and then it kind of became I'm so sorry.
We're just trying to keep our head above water. We
are there's a hiring freeze. The job doesn't exist anymore,
which I totally understood, but it was really hard because
now we're maybe like four months into twenty twenty. I'm
working in this pitpacking job, which, like I was grateful
(07:41):
to have because so many people were losing their jobs
at your time, absolutely, and I was really lucky that
being in logistics, it was the one industry that was booming.
Speaker 2 (07:49):
But it was tough work.
Speaker 4 (07:51):
Like I was getting up at four am to be
at work at five am, working a ten hour day.
Speaker 2 (07:55):
And if you guys know this, oh I'm not a mooring.
Speaker 3 (07:58):
Sorry. If I said, oh, I go up at four
to do something at five, I think the rest of
the team to be like, yeah, okav yeah, we don't care.
Speaker 2 (08:05):
The second Jes says, I was.
Speaker 3 (08:07):
Like, at four, I go watch out, watch out, watch out,
give her a wide clearance slide.
Speaker 2 (08:11):
I was she's probably going to cut.
Speaker 4 (08:13):
You on struggle straight, and honestly, my mental health really
took a hit, and that you know, I was telling
the line of like being grateful to have a job
when I knew so many people didn't, but also feeling
like my career was really not moving forward. I was
feeling super stuck. I ended up moving warehouses mid twenty
twenty because I was like, Okay, well if I can't
get a job in my industry, because nowhere was hiring
(08:34):
for eas everyone had a hiring freeze, I was like, well,
maybe I can just move to a warehouse with better
conditions because they weren't really great entire ideal, they weren't great,
and so I ended up at the Mecca Warehouse, which
they were wonderful to work for. It was still obviously
tough work in logistics, but they were really fantastic as
a community.
Speaker 3 (08:53):
I would have preferred fac makeup too, absolutely when I
hired you, which is what I'm sure we're going to
get to.
Speaker 2 (08:59):
So yeah, she still worked at Mecca with that Mecca
discount guy.
Speaker 4 (09:03):
It was very It was lovely that forty percent discount.
Speaker 2 (09:06):
Oh god, oh, it was the best part about hiring
you no, and then yeah.
Speaker 4 (09:11):
End of twenty twenty, I had been following Shees on
the money. I've been paying down my debt. I'd listened
to season one and you guys put a post up
on Instagram saying you are hiring for two different roles.
You are hiring for someone to do content, you're hiring
for an EA, and I applied and I said, oh,
I actually kind of a qualified to do both of
these things, and so you can a lost dog. Yeah,
you kind of rolled them together to give me my
(09:33):
own little custom job, and.
Speaker 2 (09:35):
I've been here ever since. It has been the best.
I'm sorry, that really was a journey.
Speaker 3 (09:39):
I'm such a bad storytelling, you know what, No, because
I think people would have really enjoyed listening to that,
because I enjoyed listening to that, and I think it's
so much nice that I just hear it in Jess's
tone of voice and the way you would have be
explained it at breakfast as opposed to it.
Speaker 2 (09:54):
Okay, cool. So if I just read through my LinkedIn.
Speaker 4 (09:56):
Like Marl is fun, maral of the story is you
you don't have to follow the linear path, like things
can go up and you can go backwards.
Speaker 3 (10:03):
And sideways and diving in. So you started as my
EA and did some content stuff on the side. What
have you done since joining? Because I think a lot
of people are like, well, what does Jess do? Like
she was more on the pod Now she's not as
much on the pod, and like we see her floating around,
but she's not VIA's assistant, Like what do you do?
Speaker 1 (10:22):
Well?
Speaker 4 (10:22):
I look after all of our partnerships, and I guess
after I joined, the show really exploded, and you know,
all of a sudden, we had all of these amazing
partners that wanted to work with us.
Speaker 2 (10:31):
The team grew.
Speaker 4 (10:32):
When I started, I was the first and only employee,
and so from there we've gone to a team of
what like eight now or something like that, and so
the business has expanded. We've been able to do so
much more, and with that has come the opportunity to
do so many different commercial partnerships. We've had the books,
and we've had all of the incredible projects we have,
you know, our sponsors for the show, and so I
(10:52):
look after all of that, which is really fun because
we you know, we get to talk to so many incredible,
really well aligned companies. I'm just kind of kicking around
on the pod when I need it like that was
never intended to be part of my job. I wouldn't
say when I was hired, but it's so.
Speaker 2 (11:06):
Much fake sense. Yes, and we have fun doing it.
Speaker 4 (11:10):
I love it. There's nothing more fun than sitting down
and getting to have a chit chat with you.
Speaker 2 (11:13):
It's the best.
Speaker 4 (11:14):
Anyway, Enough about me, I think I just talked for
about ten thousand years. We've had so many people in
the community asking when we popped this question box up.
They want to know vd from you. What are your
tips for financially preparing for a baby, preparing for maternity leave,
parenting in general, and are there any tips you specifically
have for a first time mum because you're a first
(11:36):
time mum.
Speaker 3 (11:37):
I am a first time mom, and you know what,
if you're going into this as like a first time
single mum, that's really hard. I think you need to
just take the pressure off yourself. I think social media
doesn't do a lot of good things for parenting. It's
a topic that I have been sort of touching on
on social media recently and the amount of backlash I
get for just having an opinion whether it is right,
(11:59):
whether it is like it's just wild how much that
topic triggers people. And I think that when I was pregnant,
I was trying to learn, I was trying to absorb,
Like my entire TikTok feed became about pregnancy, in birth
and babies, and like I loved it, but at the
same time, I found it all consuming. So I think
taking a step back would be some of the best
(12:20):
advice I have. I just think that people are going
to tell you that you need all this stuff as well,
you don't need the stuff, Like I was very grateful
and very lucky during my pregnancy to be sent so
much stuff.
Speaker 2 (12:36):
You just don't need it.
Speaker 3 (12:37):
Like you need a nice dry place for your baby
to sleep, you need something to keep them really warm,
a few onesies and way to feed them, Like honestly,
they are going to be fine at the start. And
I would really prioritize your mental health so like we
could do and I've done episodes on like financially preparing
for a baby. Go listen to those will link them
(12:58):
in the show notes. But I don't think it changes
what you're taking into consideration, whether you're in a couple
of whether you're single. Just because you're going to have
to think about childcare costs. You're going to have to
think about, well, how do I feed this child? How
do I clothe them? Yes, you don't have a duel income,
but all of the parameters are kind of still the same.
(13:19):
So to me, it's genuinely about taking the pressure off
yourself and then realizing that, do you know what, your
parenting journey is not going to look like everybody else's.
It's going to look like yours. And for so long
I was like, oh my god, like looking at milestones,
completely up to you. But I deleted all the apps
like tracking milestones. It becomes really overwhelming. Like I was told, Oh,
(13:42):
your baby all start getting teeth at like six months,
that's fantastic.
Speaker 2 (13:45):
Mine actually had teeth at three months and I took
him to the.
Speaker 3 (13:48):
Doctor because I was so worried about it, and the
doctor kind of looked at me and was like, yeah,
like he's just got a tooth.
Speaker 2 (13:53):
Like that, that's a thing.
Speaker 3 (13:54):
Yeah, And I was like, sorry, what I think all
of this external pressure did me no good And now
I just do whatever I want as a parent, like
in the nicest possible way. I think a happy baby
and a healthy baby is all I care.
Speaker 2 (14:06):
About, definitely.
Speaker 4 (14:07):
And when it comes to prepping for maternity leave, is
there anything you think people should be kind of considering
having conversations with their partner.
Speaker 3 (14:14):
Yeah. So I think that when we're talking about prepping
for matt leave, what you want to really do is
think about what you're doing on mat leave. I think
so often you go, it'll be really easy to live
off one income, but you're probably going to have a
whole heap of like incidental costs, additional coffees because you're
going on walks, and you should be prioritizing getting out
of the house for your mental health. I think so
(14:34):
many times when you're on matt leeve, you're like, no, no, no,
we need to be really strict and really safe. But
during a period of turmoil, during a period where your
hormones are absolutely erratic, like, let's just maybe spend a
little bit more on our mental health, on you know,
that extra coffee. I know that that sounds a little
bit flippant, but like I promise there are mums listening
to this that are already mums that are like, oh
(14:56):
my god.
Speaker 2 (14:57):
I know the amount of times I was like, no,
I really shouldn't go the cafe.
Speaker 3 (15:00):
I went yesterday, but like that would have changed the
trajectory of their mental health for the day.
Speaker 2 (15:06):
I'm sorry.
Speaker 3 (15:07):
Go spend the five dollars, do you know what I mean? Like, here,
go for the walk, get out of the house, spend
the five dollars. Put that into your budget. And I
think that matt leave can be really really challenging because,
especially if you're a single mum, you are trying to
work out, well, when can I go back to work?
And it might be earlier than your peers, that might
be earlier than your friends. You might, in a perfect
(15:27):
world love twelve months off, but you can't afford that
you're doing the best thing you can for your family. Yeah,
And I think we just want to take the pressure off, Like,
let's not look at what you can't do, let's look
at what you can do. And how do we kind
of embrace that without judgment? Yeah?
Speaker 2 (15:42):
I love that? Should we?
Speaker 4 (15:43):
Is that also a good time to be talking to
your partner about potentially they're making contributions to your superannuation?
Speaker 3 (15:48):
Absolutely, we're asking about superannuation. I'm not taking time out
of the workforce to be behind I would say I'm
not going to say it's less important, but it is
less important because as the first of July this year, yes,
supernuation is now payable by the government on maternity leave.
Speaker 2 (16:07):
Amazing.
Speaker 3 (16:07):
We now get twenty four weeks of paid maternity leave.
Incredible as opposed to what we had before. And that's
really sexy. But that's also minimum wage, so it might
not be what you were previously contributing, and I.
Speaker 2 (16:21):
Might be asking my partner for the top up.
Speaker 3 (16:23):
Yeah, like sorry, I'm not here sacrificing my financial future
so that you can go back to work and have
a really secure financial future.
Speaker 2 (16:31):
I'm sorry.
Speaker 3 (16:32):
Fifty percent of marriages and di divorce, Like, and that's
just marriages. So many people I know nowadays are having
kids and they're not married and that doesn't matter at all,
But like, what about those relationships?
Speaker 2 (16:42):
So I just get your bank sis, Yeah, be prepared
for the worst.
Speaker 3 (16:46):
Another big theme JESS that we saw coming up was goals,
and we love talking about goals, how to choose them,
how to stick to them, and how to balance those
really big financial dreams with life goals that also come
with a really big breast tag. We also had someone
wanting to know if travel was a bad money goal.
Speaker 2 (17:04):
I don't think any money goal is inherently bad. Like
all your goal, you got a goal. Yeah, your goals
are so personal to you.
Speaker 4 (17:11):
As someone who traveled a lot when they were younger,
and I spent like all of my money traveling, I
don't regret spending the money. I regret the way in
which I did it, just because, like spending every dollar
meant I wasn't the most financially stable.
Speaker 3 (17:23):
I really don't regret things that we did in our
youth because we didn't have the education correct, Like I.
Speaker 4 (17:28):
Wish that I had had the knowledge that I have
now and had been investing for long.
Speaker 2 (17:32):
Been better. But yeah, whatever. I think travel is an
amazing goal.
Speaker 4 (17:35):
I think there is so much that you can learn
from being outside of your comfort zone. I've done a
lot of travel to third world countries, and I think
that particularly has been really beneficial to me in terms
of gratitude and you know, having I guess more of
a consciousness of the impacts of what I do on
a global scale, and you know what I mean, the
(17:56):
world is so much bigger than us. I think that
traveling is a really good way to do that, to
connect with other cultures, to meet new people, to see.
There's just so much in the world to appreciate and
enjoy and explore. And I think that that is so valuable.
And so I think that if that is something you
want to do, just prioritize that save do it responsibly.
(18:18):
I don't think that you should feel bad about that
at all. And in terms of having, you know, balancing
those big goals with your life goals, you love to
say you can do it all, but not all at once,
and I do love it.
Speaker 2 (18:28):
I think that's so true.
Speaker 3 (18:29):
I am a broken record who you probably you need
to move on from. She's on the money you need
too long. You could just paraphrase me consent.
Speaker 2 (18:36):
Adopted all of your idioms. I mean, I'm not mad,
I'm just concerned.
Speaker 4 (18:42):
I have a good question actually to follow on from that.
Our next community member wants advice on how to stop
sabotaging herself with irresponsible spending and not sticking to her goals.
Speaker 2 (18:52):
Do you know what I think it's about? And get
this zooming out?
Speaker 3 (18:55):
Oh, Because I find that from a psychology persons, self
sabotage often happens when we're scared of change. It often
happens when we're worried about, well, what happens when I
achieve that goal? Am I going to feel the way
I thought I was going to feel? And you might
not be thinking this, but self sabotage is often about
not lacking change.
Speaker 2 (19:15):
It's not because you don't want to succeed.
Speaker 3 (19:17):
Because if I said, you know, Jess, you really want
to save for a house, and I'm going to use
this as an example, but then you keep dipping into
your savings account, you're like, well, it doesn't matter, it
doesn't matter. And then but what's your biggest goal in
the world? You say, well, saving for a house. More
often than not, the self sabotage is coming from being like, oh, yeah,
but I'm happy where I am. I don't really care
about the che do you know what I mean? It's
about change. So I think we really need to get
(19:40):
serious with ourselves. If you are going in and being
a bit irresponsible with your spending when that's not what
you want, fine, but why tell me what are you
getting out of that? Tell me do you actually that
big money goal that you were working towards. Is it
actually your goal?
Speaker 2 (19:57):
Because right now you're telling me it's not to get
some hard truths out there.
Speaker 3 (20:01):
And be like, maybe this isn't my money goal, and
maybe I'm saying that I'm saving for a house because
society has been telling me I'm saving for a house
and should.
Speaker 2 (20:10):
When I actually don't give two shits about it.
Speaker 3 (20:13):
Yeah, And then we need to flip it over and go, okay, well,
if it is your goal, why are we self sabotage?
Speaker 2 (20:19):
What happens when you buy the house? Is it the change?
What happens when you are realistic about this?
Speaker 3 (20:25):
And I think it's just about creating a plan because
we're all good at self sabotage. I'm the best at
self sabotage, And like Jess, you would have seen this
a million times. It doesn't matter what it is, whether
it is for me a savings goal or I'm really
close to finishing something. You know what happens when I'm
close to finishing a book, I shut down the last chapter.
Good luck getting that out of me. I don't want
(20:46):
to do it, and I don't know why I don't
want to do it. I don't like the idea of
that process and I don't.
Speaker 4 (20:52):
Know what it is.
Speaker 3 (20:53):
But like getting me to finish something can be quite
challenging cat talk about. But I think it's so important
to understand why that's happening. And that's when I have
to go, you are self sabotaging again.
Speaker 2 (21:06):
Why are you doing this?
Speaker 3 (21:07):
Because if you don't pull your finger out, you're not
going to achieve this thing, And like, that's actually what
you said you wanted.
Speaker 2 (21:14):
And sometimes it's just scary, and.
Speaker 4 (21:16):
It about identifying the trigger a little bit too going
more often than not, I think it's probably a pattern, right,
And so you might see, like with the book, for example,
you get to the end and you go, oh, well,
I don't want to finish reading the book. I'm too
overwhelmed with the thought of starting a new one or
finding a new one, whatever that looks like for you
know whoever, whatever goal you're dealing with.
Speaker 2 (21:34):
So I feel like if you can identify.
Speaker 4 (21:36):
Like what causes you to self sabotage, you might actually
be able to get to the root of the problem
and then identify what solution you can put in place.
Speaker 3 (21:45):
One all right, Katie has asked us if we can
explain how platforms like shop back actually work.
Speaker 2 (21:53):
We talk about them.
Speaker 3 (21:54):
All the time, but she wants to know, how do
you actually use them, and you know what I'm asking you,
because you're basically the shop back Wien is just good.
Speaker 2 (22:02):
I do love a cash back platform.
Speaker 4 (22:04):
Basically, the way that these platforms work is it's like
a referral system. So if you have their like a
little pop up opening the browser, or you shop through
their website using the cookies to track where you're going.
And so let's say you go, oh wow, there's twenty
percent cash back at the Iconic today, I'm going to
buy that thing I wanted. When you click through shopback
toor whatever platform you're using, the Iconic pays a referral
(22:27):
fee to shop Backs or whoever for sending a click
correct exactly right, which is a really standard way of
doing things. And then these platforms then share a percentage
of that with you in the form of cash back.
So you accumulate cash back through online shopping, and then
sometimes you have to heat a threshold.
Speaker 2 (22:45):
When you're ready, you can withdraw it, usually.
Speaker 4 (22:47):
Straight to your bank account, to your pay pad money,
and it's such a you're spending the money anyway, is
the way that I look at it. So why not
I think every year I maybe get one to two
hundred dollars cash back just from like standard every year. Yeah,
really just standard normal online shopping, especially because I try
and use the upsize one and.
Speaker 3 (23:04):
You're you're not the biggest shopping in the entire world.
This is probably going to help me. I just cashed
in one thousand dollars worth of shop Oh my god.
And I did an extra investment because I was like, oh,
it's just tipped over this, I'm going to like take
a thousand dollars out and invest it. So I did
like another investing bundle boring ETFs. But that was really cool.
(23:26):
And when I saw it, I was like, holy guacamole.
Just by having it on my like having it on
my browser, it pops up and says, do you want
to turn on cash back for this website? And I'm like,
well yes, And I mean I also book a lot
of travel for work and stuff through that. So I
don't want people to be like, oh, Victoria is actually
a really irresponsible shopper, because I think you would know
(23:47):
I'm actually not that bad, but I do have a
lot of work expenses, a lot of offs works stuff.
Like Anyway, it was nice to get some little cash
holder absolutely, and it's like I love to.
Speaker 4 (23:57):
I have all my favorite shop shops they shop at
regularly favorited, so I get notified when there is upside.
So the same pet food, for example, gross twenty percent
cash back. I'm stocking up things like that so you
can even just take your normal every day spending and
hopefully get a little bit of money back on exactly.
Speaker 3 (24:12):
All right, Jess, let's take a really quick break and
then we're going to get into money saving tips for travel,
and we're going to have a quick chat about budget
date notes, so guys don't go anywhere. Welcome back, guys
to our very special Q and A episode. We are
loving the questions that you guys send in. Honestly, we
(24:35):
could probably do this all day, but we actually have
a timer on because the studio is booked by somebody else.
Speaker 2 (24:41):
So Jess, what's next on the list?
Speaker 4 (24:43):
Another one that we saw coming up time and time again.
The people want to know what are our favorite tips
for saving on travel? And we had one specific person
requesting tips to the US, which we did a trip
a couple of years ago.
Speaker 2 (24:55):
We went to New York and then we went to
New Orleans. It was lovely and to go to Disneyland.
Oh that was absolutely the highlight of the true So
first thing I would say is cash back.
Speaker 3 (25:06):
So making sure that if you are booking travel, you
are doing it through a cash back platform. It always
says us like I think I got two percent back
on my most recent flights, but two percent of flights
I'm paying a couple of grand Like that ends up
being a couple of hundred dollars. Yeah, so money win.
The next is when you're looking for flights online, clearing
your cookies. So this sounds silly, but I always look
(25:29):
for flights in a private browser, Like I go into
a private browser, make sure my computer's clear of cookies first,
because there's no remarketing that happens with flights.
Speaker 2 (25:39):
And sometimes you know, when you go on and it's like,
oh these return flights, you're up a twelve hundred dollars,
and then you go back a day later and it's
thirteen fifty and you're like, hold on, hold on.
Speaker 3 (25:48):
That can be quite purposeful. So we are making sure
that we don't have that on. I'm such a points
hacker as well. We did a whole episode you and
I actually just on points hacking, and sometimes I I
try to most of the time use my points to
either upgrade my travel or pay for part of my travel.
And you don't just have to use points for flights.
(26:09):
You can also book accommodation, which is really helpful. I
think is really cool. So like, for example, we'll get
to the US, but I have just booked a trip
to Bali and I've paid for our business class return
flights with Virgin with points, and then I'm staying at
two different resorts. We're going for a wedding, so the
wedding venue was actually on my points platform, so I
(26:32):
was able to book. I had to do like a
cash top up, which was fine. I used all the
points for that, did a cashtop up, and then I
paid cash for the rest of it. So like technically
this holiday is mainly paid for in points, like obviously
not spending money and like the other hotel, but like, sorry,
that's a good deal.
Speaker 2 (26:50):
That's a really good deal.
Speaker 4 (26:51):
I like for flights to make sure that you're taking
like looking at the options. So if you want to
fly in the middle of the day direct, you're going
to pay the most money. But if you're willing to
leave it five in the morning, I actually I want
to stop over in a country, you can save yourself
a lot of money, and I think that's really well
worth doing if you are trying to.
Speaker 2 (27:10):
Do it affordably.
Speaker 4 (27:11):
The other thing I would say is public transport, depending
on where you're traveling, but a lot of countries have
really great public transport systems. New York, for example, where
we went, had the subway, which.
Speaker 3 (27:20):
Made everybody care the train everywhere. Sorry you're not getting
ubers in New yourk Yes, too expensive.
Speaker 2 (27:24):
Absolutely, So I think that's really great.
Speaker 4 (27:26):
Also, looking for discounted tickets to attraction, so you can
often get like tourist deals where it's like buy one,
get one half off or whatever that looks like. Student
discounts are a global thing, so you can often get
student discounts to get into different attractions, museums, et cetera.
So looking on any way that you can really get
(27:47):
a good deal I think is a big one. And
then lastly I would say for your accommodation. I'm a
skimp out on accommodation person. You're theoretically just there to sleep,
and so like when I went to Japan and we
were sleeping in a room that was like two meters
by two meters and we were actually.
Speaker 2 (28:03):
That could never be me, and you've traveled with me,
you know what.
Speaker 4 (28:05):
I'm like, I'm not gonna like, I'm not going to
say I don't love staying in a beautiful five stars
or but.
Speaker 3 (28:09):
If we're trying to cut well, she enjoys it, she's grateful,
But like if she's paying for herself, she's going to
stay in a shoe box.
Speaker 4 (28:16):
Yeah, I just think you're there to sleep and store
your stuff, and that's fair and I think that that's
a really good place.
Speaker 2 (28:21):
That you can look to cut costs. See, for me,
I like to spend a little bit more on accommodation.
Speaker 3 (28:26):
I think because I'm generally such a homebody, Like I'm
the type of person and you saw this when we
traveled and the US I think is a really good
example of this. Is like I would want to go
back to the house, like in the early afternoon and
have a few, like Rotta hours of just like being
inside scrolling on my phone, having a little bit of
a rest, and then going back out for dinner and
(28:48):
whatever we were doing after.
Speaker 2 (28:50):
So for me, that's a priority.
Speaker 3 (28:51):
But I was I was thinking as we were talking
about this, another area that I would say, I save
a lot on is food. And the first time we
went to America together, Jess, we shared a room because
we were savvy and also like we low key enjoy that.
I went straight to the supermarket, didn't I I got
like breakfast cereals, I got like filter coffee, I got
(29:13):
like or whatever.
Speaker 2 (29:14):
It always like a cold brew coffee thing, because I
was like, I am not.
Speaker 3 (29:17):
Spending like seven dollars USD on a coffee every single
morning from Starbucks where it's not even that good. And
I would also eat cereal in the mornings in our
hotel room.
Speaker 2 (29:27):
It worked out so well.
Speaker 3 (29:29):
And I'm such a I don't care how much money
we have and such a let's make sure that we've
got snacks at home.
Speaker 2 (29:34):
So like I was also packing your bag before you left.
Speaker 3 (29:37):
I was like, here's a musly bar for the day
in case you got a little bit hungry before lunch.
Speaker 2 (29:41):
Like, I'm sorry, I'm not paying for snacks out.
Speaker 3 (29:43):
I'm going to go to the supermarket when I arrive
at my location, get some snacks, get some breakfast stuff.
I swear it saves us over a like a week trip,
a couple of hundred dollars easily because sorry.
Speaker 2 (29:55):
We've got food at home. Yeah, okay, at home is
now here in New Orleans, in Florida or wherever we are.
And if we have to eat with a spoon out
of the box, so be it.
Speaker 4 (30:04):
No, no, no no.
Speaker 3 (30:06):
We also bought lights and spoons and cutlery. We are
arguably relatively unhinged. And on my trip to Bali that
we're about to go on, I've actually packed a lunchbox
for Harvey because I will be making little sandwiches at
the buffet breakfast every morning so that he has morning
tea and lunch. Because I'm sorry, he's under the age
of two. He's not getting the menu at the pool,
(30:29):
so he's just not Yeah, I don't care. You will
have a little veggiemke sandwich or whatever, and I know
he'll be happy with that. All right, let's move on
from this, still talking about saving money, but you're extra
good at this, Jess. Lizzie wants to know what our money,
date nights and conbos look like with our partners.
Speaker 4 (30:49):
We don't do a regular to be honest, a regular
date night or conversation. We just have a structure that
kind of works for us. We don't fully share finances.
We split our rent class, we split our shared expenses,
so like bills and groceries and that sort of thing.
But outside of that, we really like there's not too
much crossover, and so we don't have the need to
have those types of conversations. But I would say, if
(31:11):
that's something you're wanting to do, it's really about just
approaching it honestly and pragmatically. I think that money can
be a tense thing. If you feel like one person
is spending more than the other, or if you feel
like one person is taking your savings goals more seriously
than the other, it can bring up a lot of emotions,
and I think it's really helpful to take the emotion
out of it and look at your numbers. So I
(31:32):
think if you're going to approach your partner about their
spending habits, for example, or wanting to cut back or
whatever that looks like, have some numbers to back you
up and go, Okay, well, I've done the math on
what our spending is looking like, and if we cut
back xyz, we could save this amount. And so I
think that having something factual is also quite irrefutable, so
it keeps it. I think from being emotional, it keeps
(31:55):
it really clear for them to be like, hey, like
this is what I'm thinking, and this is the practical
application of that. I think is really helpful, particularly because
everybody's brain works differently, so your partner might really thrive
on the numbers or they might thrive on understanding your emotions.
You're kind of covering both of those bases.
Speaker 2 (32:14):
I think. Try to make it fun too.
Speaker 4 (32:15):
Like let's cook a dinner at home or have a
fun dessert, or we can go out and do it
at the restaurant. But if you're wanting to make it
a regular thing, it can be nice to make it
feel exciting in some way. And I feel like talking
about budgeting and stuff often doesn't.
Speaker 2 (32:30):
It's not very sexy.
Speaker 3 (32:31):
I feel like you and Steve probably have a better
approach than I do. You know what we don't, and
I think that's going to surprise a lot of people.
We don't do regular date nights for money anymore. I
feel like we did when we were trying to save
for a house, saving for our wedding, and everything was
coming up, and we were trying really hard to like
stay on track more towards the beginning of our relationship,
(32:53):
we definitely did our money date nights to kind of
like get on track with each other and like kind
of get on the same page. And of different stuff
would come up, and we were doing them maybe once
every month, and we weren't going out for them or
just doing them at home over dinner, but like instead
of sitting on the couch, we would sit at the
dining table and have our laptop open and have the
(33:13):
budget or whatever, very serious business meeting. You know, I
obviously as an advisor, loved it, but it can be
quite confronting because like we're talking to each other about
like what we're spending and like our values and if yeah,
can it can be not that fun, let's be honest.
But we definitely did them when we were like working
towards bigger financial goals. And now I would say we're
a little bit more financially comfortable, but we're also in
(33:37):
a different stage. So now our finances are one hundred
percent combined, like both our incomes go into an offset
account to our mortgage, and then just life happens from there.
Like it's not my money or his money, it's just
the money that we have, and that works for us,
but when we have bigger decisions coming up, we will
schedule one. So like we have a holiday coming up
(34:00):
before that, we're going to Bali. Like Steve and I
used that as an excuse to go out for dinner.
I was like, okay, cool, Like Mum and dad can
have Harvey that night and we'll go get We're into
the little tie place down the road from our house.
Love and we just talked about okay, we're going to
go to Bali, like how much are we willing to spend?
Speaker 2 (34:16):
Like how many?
Speaker 3 (34:17):
And it's just like a lot of logistical conversations now
as opposed to being on the same page. So we
were like, okay, let's like log into your Velocity account
and my Velocity account because we do like the puling things.
I can't see Steve's points, but he has all my points.
I don't know anyway, how many points have we got?
Speaker 2 (34:33):
Okay, cool?
Speaker 3 (34:33):
Like what would that get us? Do we want to
spend our points on the trap like on the flights
or the accommodation. Turns out we had enough for like
a little bit of like the flights and some of
the accommodation. Where do we want to stay what kind
of budget are we looking for? Like, I think that
really helps us when bigger things are coming. You know,
if we plan another baby, we'll sit down and have
(34:54):
a big money conversation about like, well, what does that
look like?
Speaker 2 (34:57):
What does your leave look like?
Speaker 3 (34:59):
But yeah, I think as time goes on, your money
conversations aren't as like, Okay, we have a date night
and we go through our budget every single week because
that just ticks along, and we're both on the same
page about that, like we don't need to have that
regular date night, but when things are popping up, like
I don't want to book a hotel that my husband
and I haven't actually discussed, Okay, every night we want
(35:20):
to spend this amount, like because I feel like we
can easily fall into me going oh, I want to
book this hotel and it's this much per night, and
Steve goes, oh, yeah, no worries, that's fine.
Speaker 2 (35:31):
But then he's not as across our finances. I don't know.
Speaker 3 (35:33):
So when big things come up, we're doing it, but honestly,
not that regularly because it just it's not that it
doesn't work for us, but we're now kind of on
the same page, and I feel like you use your
date nights to get to that place, and now we're
at that place.
Speaker 2 (35:46):
We're using them as we need them, not monthly. Amazing.
Speaker 4 (35:50):
Well, I've got a fun one for us to end
on from Tyler who said, if you won a large
amount of money tomorrow, what would your treat to yourself be?
Speaker 2 (35:57):
Oh my gosh, I'm sorry. Can you imagine going into
your shares account and like investing a couple of hundred grand?
Oh I wouldn't do it all at once. I dollar
cost averaging into the market.
Speaker 3 (36:09):
Don't worry, guys, But can you imagine transferring a couple
of hundred grand to your Shares of These account and
just seeing it in your wallet able for you to invest.
Speaker 4 (36:17):
It's so funny that you went a couple of hundred
thousand when it said if you want a large amount
of money, I'm thinking I won twenty million on the lotto, like.
Speaker 2 (36:25):
Different winning one hundred thousand dollars heaps of money. I
mean absolutely, But I just took this as you know
that it's.
Speaker 3 (36:31):
We are still community ages ago, and if you search
in our Facebook group there's a whole thread we asked
you guys, what to you is a large amount of money,
and it was so wild because some people were like, oh,
twenty dollars, gluck, that's heaps.
Speaker 2 (36:46):
Some people were like twenty million, and I'm here like,
I don't know that.
Speaker 3 (36:49):
My default was like a large amount of money, Oh,
a couple of hundred grand go if I'm buying twenty
million dollars.
Speaker 2 (36:54):
Yeah, I don't know what my treat would be. I
feel like a favorite fantasy. I feel like I get.
Speaker 3 (36:59):
Analysis paralysis and just like freeze up a bit. Honestly,
we're probably going out for dinner. Yeah, we're going to
go again Steak Fritz, Jessica Gorgeou We're gonna get Steak
Fritz in the sprits.
Speaker 2 (37:09):
Oh lovely.
Speaker 4 (37:11):
I feel like gonna be buying my ultimate dream house,
which would be a huge house with big windows and
curtains on the beach.
Speaker 2 (37:17):
I could on the beach on the like walk straight out. Yeah,
that's loved love well.
Speaker 3 (37:21):
I think that is a perfect place to leave it,
because this was such a fun one.
Speaker 2 (37:26):
If you've got a question that you would love us to.
Speaker 3 (37:28):
Answer, make sure that you're following us on Instagram because
that's where we do all our call us for questions.
Just like this and while you are there, my friends,
don't forget to like, subscribe and leave us a review
if you haven't already. It helps more people find the
show and join our amazing community. Guys, thanks so much
for hanging out and we're gonna be lucky to see
you again on Friday.
Speaker 2 (37:48):
Hi did buy shared on Cheese.
Speaker 3 (37:56):
On the Money is general in nature and does not
consider your individual so circumstances. She's on the Money exists
purely for educational purposes and should not be relied upon
to make an investment or financial decision. If you do
choose to buy a financial product, read the PDS TMD
and obtain appropriate financial.
Speaker 2 (38:13):
Advice tailored towards your needs.
Speaker 3 (38:16):
Victoria Divine and She's on the Money are authorized representatives
of Money. Sheoper Pty Ltd ABN three two one six
four nine two seven seven zero eight AFSL four five
one two eight nine
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