July 8, 2025 • 40 mins
If you’ve spent five minutes on TikTok lately (okay, five hours), you’ve probably stumbled on the “most unhinged hack” trend... people sharing their weirdest, wildest ways to solve life’s problems. And when one clever member of our She’s On The Money community asked for the most unhinged ways to stop unnecessary spending, and you guys well and truely delivered. These hacks might sound chaotic, but don’t be fooled. Underneath the chaos is a heap of helpful, psychology-backed, behaviour-breaking brilliance. Because sometimes a budget just isn’t enough. Sometimes you need a strategy that’s equal parts unhinged and actually effective.
In this ep you'll find:
💸 The social media tweak that kills retail temptation before it even hits your feed
💸 The hair tie trick that’s backed by real behavioural psych (and actually works)
💸 The dopamine swap that turns UberEats cravings into tiny investing wins
💸 The one phone setting that takes all the sparkle out of online shopping
💸 The “if it’s under…” mind game that makes every impulse buy a budget test
💸 The subscription-killer move that forces you to rethink what you really use
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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.
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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 Glenn Young Ganya, Niana,
Kaka yah Ya bin Ahaka Nian Our gay In Nimbina,
yakarum Jar, Dominyama, Domaga, Ithawakaman, damon Imlan Bumba, bang Gadabomba
in and now in wakah Ghana on yak rum Jar
(00:20):
water Nadaa. Hello, 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,
(00:40):
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. Hello and
(01:08):
welcome to She's on the Money the podcast. It's all
about building better money, habits and outsmarting your impulse buyers
before they outsmart you. I'm beck side and with Me
is our favorite for my financial advisor with a background
in psychology, which basically makes her your personal finance voice
of reason. Victoria divide. Oh, thank you personal finance voice
of reason? Like God, you can't say that's probably not
(01:30):
what I would say, God, because I say often do
as I say, not as I do. So like, am
I actually your voice of reason?
Speaker 3 (01:37):
Because like I could also talk you into spending money
and I'm actually really good at that.
Speaker 2 (01:41):
Hey, that's okay, because I think that it's it's the advice.
Like we often don't take our own advice, but the
advice that you give is I do try to take
my own advice best practice. You know, Oh, absolutely well, today, Beck,
we've decided to change things up a little bit.
Speaker 3 (01:56):
If you've even spent five minutes on TikTok lately, try
five hours. You've probably seen the trend where people are
asking for the most unhinged hacks to fix literally anything.
They're like, oh my gosh, what's your most unhinged hack
to get over your eggs? Or I love what's your
most unhinged hack for like hacking productivity or sleep?
Speaker 2 (02:14):
You name it, there's a video for it.
Speaker 3 (02:16):
Or someone in our shees on the Money Facebook group,
Beck asked for the most unhinged ways to stop yourself
from dopamine spending.
Speaker 2 (02:24):
Our community did not disappoint What a good idea?
Speaker 3 (02:27):
They didn't disappoint so much that we've made it a
whole episode and we thought, what a good idea?
Speaker 2 (02:32):
How fun is that? Because let's be real, sometimes traditional
money of us it doesn't cut it. No, I can
see you down and be like, okay, cool. So this
is how you write a statement of advice, and you
guys are already glazed doper. Sometimes a budget is just
not enough. You need to physically put your credit card
in a bowl of water and put it in the
freezer and then walk away.
Speaker 4 (02:50):
Yeah.
Speaker 2 (02:51):
Like, sometimes you just got to do what you got
to do, or take it out for it freezes over. Yeah,
I know, but we'll try. We'll try. We're going to
try anything. So today you and I sharing a bunch
of the best and most unhinged tax some from that
Facebook group and some which are arguably even more unhinged
that we've gone and dug up on TikTok yay, do
you have any unhinged tax back? Well, as you know,
(03:13):
I'm not very good with money, but I think that
the probably the most. Like it's not unhinged, but like I,
if anything's in cash, then I can forget that it exists,
So it's not any interest, it's not anything. But I've
done some weird things with cash, like I'll send money
to random places. I think I've sent money to my
best friend. Well, I can't be trusted. I can't be trusted.
(03:37):
I'll send money to my friends, and like you know,
obviously depends on the relationship you have with your friends
if you trust them. But send money to your friends,
send many to your parents, whoever you trust the most,
and just be like, do not let me touch this.
But my most unhinged and I was explained to my
girlfriend the other day, was that, so we're going to
go to Thailand. I'm exciting, but I said, I physically
(03:58):
cannot save for it. If I get to a point
where I've saved X amount of money to go on
a trip, I'm like, well, there goes my life savings
and I could be putting that towarterhouse. So instead what
I do is I as I shouldn't say this, I
paid you. No, No, you can say it. This is
a safe space. Have I ever actually judged you for
making a money decision? Exactually that's probably not your best moment,
(04:20):
but like also been there, done that, totally. Well, for example,
I've after paid the hotel already, so I'm like, you
can just pay it off, pay it off slowly. I
did not save for it. I didn't budget for it.
I just after paid a hotel and now I literally
and it's non refundable because the way a fundable thing,
I have to I have to it just anxiety, I know, same,
(04:40):
but I have to. So after pay the hotel, I've
only paid like two hundred bucks of it, and then
the rest I must do, like I actually have to others,
I'm screwed. So I just don't say for anything and
I just wing it. That's my unined.
Speaker 4 (04:54):
Oh.
Speaker 2 (04:54):
I feel like that's terrifying to me because I'm just
so like taype Ai.
Speaker 3 (05:00):
Actually that's a lie, because you know, I spend a
lot of time on TikTok. There's apparently type A people
really super organized. Then there's type B people who I
would say, you're type B, I see, which is good.
Speaker 2 (05:12):
We are a little bit more.
Speaker 3 (05:13):
Rogue, kind of don't worry about structure or planning. Like
if you came to my house, there's like everything in
a little tub in a fridge organized like you'd be
like absolutely not Victoria. But then there's Type C, and
I have recently learned that that is me, And it's
a mix of Type A and Type B. So you
want to be really organized, but you often are a
little bit too doululu to actually commit to that. So
(05:34):
like sometimes you're like so planned, so organized, but then
on the flip side, you're also like yollow.
Speaker 2 (05:39):
And then you just can't be trusted. So I'm a
Type C friend. I believe that.
Speaker 3 (05:45):
Yeah, like we want to be organized, we want to
like things must be nice, we like the organized fridge vibes,
but then also we're just yollowing all the way home.
Speaker 2 (05:56):
So you just can't win absolutely well on that note, yes,
considering that was a bad hack.
Speaker 3 (06:04):
For not like, we didn't say that these hacks are
going to work for you, So we were just going
to share the hacks that we found, so read between
the lines there.
Speaker 2 (06:14):
Yeah, you use that however you like exactly, no judgment.
I don't mind. Well what's my hack? Yeah, what's yours?
My hack is? It's not even a hack.
Speaker 3 (06:23):
I think I'm so wildly passionate about getting people out
of debt and staying out of debt because I've been there,
I think my hack to staying out of debt was
being in debt, and that's a terrible hack and that
makes no sense. But I was talking to one of
my friends about it the other day and they was saying, Victoria,
like they're in a bit of credit card debt at
the moment, they're like, you told me, Like you told
(06:45):
me not to do this, Like I've listened to your podcast,
but like I just had to walk the walk and
realize how terrible that was, so that I'm never going
to go back there again.
Speaker 2 (06:53):
Yeah. So, like my hack was getting a ridiculous amount
of debt so that you stress yourself and can't eat,
can't sleep, can't talk, can't breathe, and then all of
a sudden, you'll take money seriously, learn the hard way.
And I had to learn the hard way because I
just I can't be trusted.
Speaker 3 (07:10):
Someone tells me, Victoria, this is how it works, and
I go, whatever, I'm better than that.
Speaker 2 (07:15):
I can I know better than that. I think I
know better. I think I would know. I would not know.
It turns out I want to know what the first
So you have a listen list, I'm checking it twice.
You checking it twice, no, maybe not. I'll just read
them out once. Well, what's first on your list? All right,
(07:36):
so we're going to start with our beautiful Facebook group.
And oh my gosh, I love this one. It's from
Kelly Ann and she says, change your Facebook demographic age
to say that you're older and a man so that
you only get ads and products things like walking.
Speaker 4 (07:52):
Frames and lazy boy chairs, because then you're not tempted
by like the dish sale or like Kukui or whatever,
because you just be target advertised things that actually make
no sense to you.
Speaker 2 (08:03):
That is a great hack. But I would fear that
you'd fall for the walking frame. I would fall for
the I would be like, well, I got a lazy
boy in my house now, and also a walking frame
that I don't need. I reckon it's good.
Speaker 3 (08:16):
A very good salesman could convince me to get a
lazy boy. Yeah, my nana has a lazy boy couch
and two lazy boy like rocking chairs and laity experience.
Speaker 2 (08:27):
I don't even need a salesman. You've already sold me. Yeah,
you're welcome. You know this is really kind of unrelated
but related somehow. I will get to the point. But
that Black Mirror episode where you could choose your own adventure. Oh,
that kind of thing. I love Black Mirror, but like
Black Bear also, that season just like close to reality
for me. Absolutely, But it was like there was one
(08:47):
season where you could you had to pick your own
ending and middle of the show, and it's like, I
just want to know what I'm missing out on. So
I feel like with this hack, I would always be like,
there are probably new products popping up that are catered
to me, and my algorithm knows. Now just shopping for
my dad, I can't see it like, yeah, oh Dad,
you'd love this. Saw it on Facebook, ordered it immediately. Yeah,
(09:10):
and all of a sudden, you're still spending money if
you got one for us? Yeah, do you want to hear? Absolutely? Okay,
So I'm curious to try this anyway. So this one
comes from Amber. She says, wear an elastic hair tie
on your wrist, and every time you consider buying something,
ask yourself if it's a need or a want, and
if it's not a need, then snap your elastic band.
Speaker 3 (09:31):
She says.
Speaker 2 (09:31):
I don't know why, but it worked for me. Now
I stop and think before I purchase me. So you're
just hurting yourself every time you think of something. Yeah,
I guess it's like training. I feel like that's very nineties.
Do you remember back in it. I feel like zap
or something. Yeah. I feel like it's like a no
bark collar, like for a dog when they get a
(09:51):
little zing. Yeah. Yeah, yeah, yeah, totally those and those
like horrible electric fences, and it's like, oh, you'll know
not to go any of that again. It's like I that, actually,
well it's you know, obviously not that severe, but it's
like that could work. You could create this association with that. Yeah, obviously.
Speaker 3 (10:06):
I'm on TikTok twenty four to seven, and I saw
that there was this farmer on TikTok saying that electric
fences are really expensive, so when they first get a
new horse, they put them in the paddock that has
the real electric fence, and no doubt, they'll run into
it once and learn that those fences are dangerous. Then
they use fake electric fences for the rest of their farm.
The horses are too scared of the.
Speaker 2 (10:26):
Like white tape that they just stay away from it
and it's just a piece of string holding them in. Gosh,
it doesn't sit right with me. And I don't know why,
but I'm not a farmer, So if you're a farmer,
let me know. Guys, I get it. I feel like
an electric fence means that, like, you know, you could
do big barbed wire ones, but yeah, animal night get
like caught in their true bubbles probably, and an electric
fence isn't powerful enough to like she just little that. Yeah,
(10:48):
it's just like a little don't do that back. Oh okay,
that's maybe we need that. Yeah, yeah, yeah that's true.
So I like that one. Thank you. Amber create associations
and then you don't even have to think about not
any money.
Speaker 3 (11:00):
Yeah, I know why it works, and there's actually some
science behind it, right, Okay, so it's not just like
us saying on electric fence vibes. Snapping an elastic band
it feels so mean, like that's the last thing I
want you to do to my wrist. Snapping an elastic
band on your wrist is a form of adverse stimulus.
So it actually creates a really tiny momentary disruption that
(11:23):
puts you in a lot of discomfort and it becomes
like an automatic behavior loop. So essentially, in this loop,
you see, you see something, you want it and then
you buy it. But we're breaking that loop.
Speaker 2 (11:33):
And the technique is actually rooted in what's called classical conditioning.
Speaker 3 (11:37):
So do you remember Pavlov's Dog where he rang the
bell and then gave the dog a treat. Yes, And
then over time he started ringing the bell and not
giving the dog a treat, but the dog would drool anyway,
because whenever it heard the bell it was like, hey.
Speaker 2 (11:50):
Let's go getting a treat.
Speaker 3 (11:53):
We're doing that but in a mean way to ourselves,
where neutral stimulus, which is essentially the urge to spend,
becomes associated with something that's not very nice. So every
time you're like, oh, urge to spend, you're like, oh,
that's gonna hurt.
Speaker 2 (12:06):
Absolutely not. I don't want to do that. So you're
creating this negative association which might work for you, like
my mere thing. And then over time our brain links
literally the urge to shopping with discomfort, so you don't
want to do it anymore. Oh my god. I'm just
trying to think about what other things I could do
that with. Maybe vaping Thank you Amber, Yeah, maybe actually
(12:30):
that might work. Yeah, maybe that'll work. Every time I
would have I'll just like it's worth fit. I'm just
getting keep doing it. I'm gonna smoke to the games,
and I'm also gonna just keep doing this, So maybe
I'll just have two bad habits one of ye. But
it's like really popular behavioral therapists actually use similar techniques
to help people break habits like nail biting, like vaping,
(12:53):
like smoking, or even like negative self talk. So maybe
she's onto something. Yes, all right, My next one is
from Laura. She said, every time she feels like shopping,
she goes to her phone settings and then she turns
her display, like her phone display on grayscale, so she
can't see what color she wants to buy. Oh my god,
(13:15):
everything low key looks a bit ugly. Some of these
people have so much discipline, Like I would no, I
would just immediately turn it back to Cala and be
like this sucks. But my intention would be that, but
then I would not do that. And that's really impressive.
So good for you, Laura, that is that's very smart. Okay,
do you want to hear my one from Laura Different?
(13:36):
Laura Different, Laura good. Laura says, I curbed my shopping
addiction by going to a physical store and loading myself
up no trolleys, no baskets with anything and everything I wanted,
and then I'd walk around the entire store holding it
until the dopmein rush wore off, and then I'd dump
it all and leave. A craving generally lasts between five
to twenty minutes, so it wouldn't take long to get
(13:57):
sick of holding everything. Oh my god, I just can't
imagine doing that. I do. Actually, it would work. I
think would work because sometimes like I'll be in the
shop and I'm in such a good mood, and then
I'll pick up something and I'll be like, my girlfriend
would love this or my best friend with love this,
and I'll pick it up and walk around, and then
I'm in there for so long that by the end
I'm like, what is this for? Again? Brook am I
doing with these things? And then I just put them back.
(14:18):
I'm like, that's good, so silly, I'm not going to
buy these, that's good.
Speaker 3 (14:22):
I'm just imagining me at the supermarket carrying around all
this stuff that I want, and then you know, the
longer I am in the supermarket, the hungry or I'm
getting some more I want it.
Speaker 2 (14:32):
Oh my god. True. Well, maybe it's like more like
your sugary treats. I think I need to do that
for sugary treats. I can't start myself, so that is
not mad.
Speaker 3 (14:40):
But I have a whole stash of sugary treats in
the car door of my car at the moment, and
I need someone to remove them because I'm basically just
eating peatrings every time I'm in the car eating what peatrings?
Speaker 2 (14:51):
Like those jelly rings that taste like peaches and cream? Like, oh,
they're so good. Back, maybe I need a little elastic
band on my Just stop me. I put a featuring
around your rest. Yeah, then I eat it.
Speaker 3 (15:05):
You've got another one, beck, And I wanted to share
this one because it actually made me really proud. Sarah said,
I cured my dopamine spending addiction by becoming addicted to
investing instead.
Speaker 2 (15:16):
Yes, how good is that?
Speaker 3 (15:18):
Microinvesting and fractional shares are a really great way to start?
So buying twenty dollars of shares here and there is
just apparently as good as going and buying crap that
she didn't need in the beginning. She would spend like
ten bucks a day and get the fixed and give
myself some time to learn all about it.
Speaker 2 (15:34):
It's crazy how fast it adds up. And then the
money on top of it makes you not want to stop.
So she said, when I feel like getting uber eats,
which last twenty minutes and is arguably usually relatively disappointing,
I ask myself, would I be better off investing that money?
Speaker 4 (15:50):
Yes?
Speaker 2 (15:50):
Then she sends twenty or thirty bucks over buys shares,
makes toast at home. And if you're bored and looking
up something to buy it online, you may as well
be looking up shares. Oh my god, yeah, yeah, yeah,
And that's really just like gurgling stuff to buy. That's
so good. I think I might try that. That's so
true about the you breed seeing it's like you usually disappointing,
isn't it it is? And then you like honestly vegimion toast.
Speaker 3 (16:14):
Is it's so good exactly, especially if you I don't
know how quick you do this, but like if you're
making toast, you have to stay in the kitchen. You
can't like walk off and then hear the toast pop
and then let it cool. Like the butter has to
go onto the toast immediately, because if the butter is
going onto the toast, and it's not melting as you're
putting it on. You're doing something wrong, I reckon. And
(16:35):
it has to be wonder why, yes, to be wonder
white or like that baker's bread.
Speaker 4 (16:40):
You know.
Speaker 2 (16:40):
Yeah, but none of this thick cut sour dough that
I need a steak, nor so painful sorry sour hurts.
Do you guys not have the roofs of your mouths
ripped up? You have no cheeks? You just like the pain.
It's sharp, it's pain. That is so genius. Anyway, she
(17:00):
says it's the best addiction she's ever had. Oh my god,
that's genius. It's a great addiction to have too, because
it's like you will You're making yourself rich pies of money.
That's so c Okay, I'm going to try that. Thank
you so much. This is so nice. I really like
this episode. I'm taking so many things away and I'm
hoping that I remember them by the end of week.
Do you know what, I've written these down all on
a piece of paper. You can take her home with it.
Speaker 1 (17:20):
You are well.
Speaker 2 (17:22):
I guess I could just listen to the epide so
did you know?
Speaker 3 (17:24):
And I don't know if many people know this, but
if you are listening on Spotify, there is actually now
an automatic transcript, so if you go to the bottom
of the episode, you can actually see the text. And
for some people in our community, they've said it's actually
so helpful because they read along when we're talking about
more complex topics. So like, probably not today, but when
(17:45):
we're talking about, you know, compound interest or something that
maybe you're not fully comprehending yet, you can like read
along at the same time as we're talking to you,
and you might end up in a better learning position.
Speaker 2 (17:57):
Oh my god, it's a great idea. Yeah. Also, thanks
Spotify for putting free transcripts on there, because that's really good.
That slaves, that's true, and I just want you guys
to know that sometimes the transcripts are not accurate, so
please if you if you she would stand far, is
that what you mean? I would never swear, would use
language something seems out of character. Just trust that it
(18:18):
actually is. It just it was far. I would never
insult Victoria. Yeah. No. So my next one comes from Jess,
who says, I've removed all Apple pay Slash cards from
my phone, so I have to put in my physical
card I've just memorized the numbers. Unlucky. The problem I
(18:38):
have too, that I have too well. She says that
she she shops and adds to card as normal, and
then when it comes to pay time, just to go
get a physical card. I'm not getting one, do that.
I fully understand that.
Speaker 3 (18:48):
In fact, I got a new debit card recently because
mine expired and the numbers are different.
Speaker 2 (18:53):
This is me from spending. Yeah, seriously, but this is
this is really spark. What she does is she leaves
the card in her locked car in the garage, which
is so much effort going down there. It's cold. Yeah,
And then she says, I usually get annoyed and this
distracts me enough to leave everything in my card. This
didn't work when I had my old card because I
(19:13):
knew my numbers off my heart, exactly as we're saying.
So she got a new card. She ordered a new
card with new numbers. Okay, so she's smart. So I
did that by accident, and it's working for me. But
do you know what I found the other day? I
went to buy something on a website at like eleven PM.
Should I be.
Speaker 3 (19:29):
Shopping at that time? Absolutely not? No, absolutely not and
then it didn't have Apple Pay and I was like, oh,
I can't be bothered buying it. Then, Victoria Desne, you
did not need that? Then why will you even? How
did you get to check out?
Speaker 1 (19:43):
Yeah?
Speaker 2 (19:43):
That's so true. You are not doing what you said
you were going to do. I think it's a good
thing to think, because when we're like on autopilot, I'm like, oh,
this looks good, and then we just like, you know,
it's good to think.
Speaker 3 (19:52):
And I'm so easily influenced, Like I wish I wasn't.
But if I see a girl in a cute top,
I'm like, I could wear that at work. Yeah, Victoria,
you have a top already.
Speaker 2 (20:02):
You don't need many top Exactly how many small, minor
inconveniences would you get through to still buy this? And
if your answer is like maybe no, zero, you don't
need it. You don't need it. Yeah, But if it's
something I have to pay for, I'm like, Oh, that's
so annoying or right, I'll go get my card because
you have to it's a bill or whatever. Totally oh,
(20:24):
how annoying, but also so relatable.
Speaker 3 (20:26):
Absolutely another thing I saw people saying when I was
researching this episode Beck is to use an incognito tab
or on your computer when you are shopping online, so
you can't save your logins, there's no auto, feel like
your details are not just there and filling in or
it means you won't stay signed into any of the
shopping platforms.
Speaker 2 (20:46):
So like nothing is easy. So minor inconvenience yeah, makes
it even harder, and extra friction is just annoying enough
to make you give up and be like I can't
be bothered with this, Like I have to type in
everything instead of auto. I feel absolutely not. God, No,
I'm abandoning exactly. And Chelsea also had a really good reminder.
She said she signed up for the She's on the
(21:06):
Money thirty day reframe, which is a free thing we're
doing at the moment beck on our website, and she
loved the list of distraction techniques we put together and
said that there are some good ones there that act
for her as a circuit breaker. We recently, actually the
team and I got together and we were like, we
need like a no spend challenge, and then we're like, oh,
let's not do a no spend challenge, Let's do like
(21:27):
a reframe challenge because I feel like that carries better
into like changing behaviors. But we made the reframe challenge
because the whole team was we're all feeling a little
bit spend ye Beck, and we thought we could all
use a spending reframe. So if you want to sign up,
it's literally free. I'm going to put all the details
for you in the show notes and when you sign up,
you get a really i mean unbiased because we wrote it,
(21:48):
but it's a really great list of twenty things that
you can do when you get the urge to spend money, yes,
don't really want to, so that you.
Speaker 3 (21:55):
Can distract yourself. And I feel like that was a
really good, like little challenge that we put together.
Speaker 2 (22:00):
Community or I don't know if this is the thing too,
but if you go into incognito, then your phone, your
Instagram may not an appen, Yeah, and that would be
helpful because if you're like I really want a pair
of new pants and then all of a sudden, Instagram's
feeding you all these new pants because you.
Speaker 3 (22:18):
Tied parents like I'm not even on Instagram, babe, I'm
on asos.
Speaker 2 (22:23):
You know, absolutely. So that's the thing is that like
those extra little ads that you wouldn't get if you're
on incognito mode. Well, hopefully also curb spending in a
roundabout way.
Speaker 3 (22:32):
I love it all right, Well, it's time for a break,
and when we get back, we're getting into.
Speaker 2 (22:35):
The truly chaotic hacks that I have found on TikTok.
I would say they're they're Beck, just fair warning. They're
equal parts genius and also slightly concerning. So guys, don't
go anywhere and don't take any of this as official
financial advice. Welcome back everyone. Okay, we're hitting the part
(22:56):
that I'm most excited about. I want crazy, I want unhinge.
I want like, yeah, I don't want to freeze your
credit card. We've all heard that, you know, yes, But
also not to say that the other ones that we
read out weren't genius. I do apologize, but we are.
I want some unhinted crazy things exactly. And these hacks
they've come straight from TikTok, and honestly, Beck, I don't
(23:17):
hate them like I don't hate them.
Speaker 3 (23:20):
I feel like a lot of us are going to
go MOhm interesting. I would never And then the background,
we're all just doing it. The first person said, I
treat my life like a cozy game. Sim I add
non essential items that I want to a prize list,
and then every time she does a chore, she earns
a point, and then she can exchange points to unlock
whatever prize she wants.
Speaker 2 (23:40):
Oh my god, dammified her life. And I kind of
love that.
Speaker 3 (23:45):
And for those of you who are playing along, a
cozy game is like a video game genre that I
would say is characterized by her focus on relaxation and
like non violence and slow and being casual. And some
cozy gamsing like caring for plants or characters or animals.
I don't know, you might have heard of, like animal crossing.
(24:05):
Oh yeah, yeah, yeah exactly.
Speaker 4 (24:08):
I like that.
Speaker 2 (24:09):
She's literally gammified her life. She's like, I'm a maker
prize list, and I earn points for doing my chores,
and when I get enough points, I can cash it
in at the ticket booth. Oh my god, that is genus.
Speaker 3 (24:21):
I actually think that's really fun. I feel like it
might work for you. Yeah, you love a game, you
love a point, you are feeling like you're winning.
Speaker 2 (24:27):
Absolutely, Oh my god, I'm going to start doing that
literally from this second onward.
Speaker 4 (24:32):
I love it.
Speaker 2 (24:32):
And right now you are an NPC. I don't want
to be an MPC. You're not. You're the main character.
Speaker 3 (24:39):
Every morning. Side note, my husband and I go for
a walk, so we like take Carvey. We go to
our local cafe, and there is like three people that
we consistently see. We don't like talk to them or
anything because they're like on the other side of the road,
but they're always doing Like there's always this one woman
always in her front garden at about the same time
of day every morning, doing like weeding and stuff. Steve
(25:00):
will always look and be like, NPC is NPC today?
Speaker 2 (25:03):
Yeah, NPC. For those of you playing.
Speaker 3 (25:06):
Along at home who are like, what is Beck and
Victoria talking about? NPC is a non playable character. And
it's like when you're in a video game and you
see those characters that are just like set up to
do their thing but aren't actually a character that people
play anyway. So that happens to me like three times
every single morning, and there, I swear, just walks around
the block.
Speaker 2 (25:26):
Yeah, consistently NPC. Yes, and you're convinced we are in
a simulation, Beck, Yeah, I agree. Your life is just
a game. Oh my god, that's so fun. I really
love that one. Okay, do you want to hear I'm ready,
I'm ready. This next one's pretty brutal, pretty brutal. So
coming from Beck, you know it's brutal. Exactly. This person says,
(25:46):
I made myself run for the amount of minutes I
spend in dollars. I'm never spending money again. No, yeah,
saying that is genius. So five dollar coffee, five minute run,
maybe fifty dollar dress, one hundred and fifty minute run. No,
absolutely not. Hinge, what are we doing marathons? Yeah? Actually
that would no, no, no, that's not a marathon. Half marathon,
(26:08):
one hundred and fifty minutes. I wish, Well, it depends
how faster, and I'm quite slow runner, that would be
like that would be like five kilometers for me. But
I think that is so smart. And then because if
you do, if you're like I literally have to spend
thirty dollars right now, it's like, well, there's you're not
going for a half an hour run. Absolutely not.
Speaker 3 (26:27):
I used to run, Just to be clear, I used
to be a runner, and it was part of my personality. Beck, Like,
I fully ran marathons, Like I have two full medals
from running the Melbourne Marathon years run.
Speaker 2 (26:40):
It's actually really incredible.
Speaker 3 (26:41):
Yeah, but I did it because I wanted people to
think I was cool, not because I even enjoyed running.
Speaker 2 (26:45):
And then like my whole body hurt, Like yeah, it's
not fun. No, and you know there are other ways
to sure two And Lulu, that's really cookie showing me
these photos. Yeah, absolutely running, Victoria, Absolutely, I can I
look like a watermelon? Like I am so red.
Speaker 3 (27:05):
You know those people that like run and they look
beautiful running, not me, like I fully go to a
color that you go, are you all right?
Speaker 2 (27:12):
Right? Fine? She needs to stop right now. Yeah, she's
she's going to die, all right. So Beck, I've got
another one, and this one I think sounds like a
little bit of fun, she says. My sister and I
are each other's accountants.
Speaker 3 (27:26):
If we want to buy something, we have to make
an application in person for the item. It can be
approved or it can be denied based on the information given.
Speaker 2 (27:35):
Oh my god, that is so much. And it's like, oh, Beck,
can you come over to my house tonight. I've got
to pitch you. Yes, yeah, oh my good. Can you
make an appointment and come over it? We should try
it next time you want to buy something for me,
and we'll discuss it.
Speaker 3 (27:47):
Next time I want to buy something, I'm going to
be standing in calls and it'll be like, hey, Beck,
so pet tring's two for five again.
Speaker 2 (27:54):
Should I do it? I'd be like five minute run, Victoria.
Absolutely not. I'm sorry. I was just asking for your
permission not to be sent on a run. I'm gonna
hang up on you and still buy the petreots. I'm
going to make a big mix of all of these
th so it's going to be a one minute per
one dollar. Yeah, but like also an application yourself with
your last year and also the unlocking the rewards. It's
(28:17):
gonna be big mix of it, and your phone is
going to be consistently in gray scale. Yeah, exactly, absolutely
not exactly. Oh yeah, I really like that. I really
like that, I think and yeah, you have to like
call and make appointments. What are you doing at four o'clock?
Four o'clock's good? You have to come with a whole thing, right,
I'm gonna have to pitch you. I'm gonna have to
make a PowerPoint presentation. Yeah, I will your name, day
(28:37):
of birth, all the things that you need. You're welcome,
and then you can go to the bank and then
apply for a loan in my name. Exactly. Yes, I
will need your drives last year. Yeah, yeah, no worries. Okay,
So this one feels pretty smart. This TikToker says every
so often they replace their bank cards and it cancels
all subscriptions, and then you have to actively resubscribe to
the ones.
Speaker 3 (28:57):
I feel like that's a genius, because you do you
want to unsubscribe from Netflix, you'd be like, oh, no,
I've been watching this show on there. No, But like
if the subscription just lapsed and you get a pop
up that says, oh re enter your credit card details,
you just exy, You're like, nah, no, I don't even
want to watch it anyway, Yeah exactly. You need you
(29:18):
just like take it off yourself to begin with, not
have to actively go and unsubscribe.
Speaker 2 (29:23):
Yeah that's pretty good. I do like that one. And
then as well, you have to like physically get your
card and a different numbers again because you just got
a new card and you can't remember them off the
top of your head. Torture a kind of low key genius.
I've got another one, and I kind of love this
she says, if I buy something on sale, I have
a rule that I have to transfer the rest of
(29:43):
the price into savings. And this got me out of
the mindset that I was saving money. When a sale
is on that's so good, I actually think that's so good.
So something is on sale for fifty dollars and it
was originally one hundred, Like, you can buy it for
fifty dollars if you think it's a good deal, but
you have to put fe a few bucks into savings. Yes,
and you're kind of like, ah, I don't have the
(30:03):
cash for that, call you can't afford it? Yeah, yeah, yeah,
do you want to go to the city. That's pretty
I really like you're making it like an adult, even
like I reckon even like tiny things. If you're like, oh, wow,
the milk is two for one today, then you could
definitely do that with like your grocery budget. Yeah, you
really don't budget for things that are on sale.
Speaker 3 (30:22):
Go, okay, groceries this week can gonna be two hundred bucks.
And then if you spend one hundred and eighty bucks
or something, which honestly, let's be honest, saving twenty bucks
in your groceries each week unheard of, but like, let's
pretend you have to transfer that twenty dollars to savings
or get this, I'm trying to take it to the
next level. You transfer it to another fund, savings for Christmas.
Oh my god, because Christmas is coming.
Speaker 2 (30:43):
I'm so sorry. Fuck, Christmas is not far. It's really
not far. I keep putting money in my Christmas fund
every month and taking immediately back out. So I was
about to say good girl, and then I was like, oh,
so that has never worked for me. I'm not a saver,
but I will change my habits one day. With this episode,
I think we could be honest something. I love it.
So another one is my ruler is that I can
(31:06):
only buy things on Sunday. I can add stuff to
cart all week, but on Sunday I see it all
as one big total. So it turns me off buying
it because I realize for me, I can't would work
for me that would work. And also you're giving yourself
time to think about if you really need something or
if it's impulsive and yeah, and then I think, yeah,
when you see some reason they go to the shops,
(31:26):
it like adds up quicker than you think it does.
And like I know that that's basic maths, but like
in my head it's not. And I've been doing this
a lot recently, not this actual concept, but I've been
adding a lot of things too. I have those like
I save things in instacram a lot. So back to
the top thing, it's because I'm wearing a new top deck.
Thanks for noticing, thank you. But I literally have just
(31:50):
been saving outfits because coming into winter, I feel like
it sparks something in your brain where you're like, oh,
coming into winter, I haven't worn jumpers in it ages,
maybe I need some new jumpers, saving lots of them.
And then I went onto this website the other day
to be like, oh, you know what, I'm going to
splurge you a little bit. I'm going to add these
three jumpers that I want to my cart. Sorry, what
do you mean that's seven hundred dollars?
Speaker 1 (32:12):
Yeah, I know.
Speaker 2 (32:13):
No, Actually, like in my.
Speaker 3 (32:14):
Head I'm like, oh, I do want to buy a
good quality jumper, so like I'll save that one.
Speaker 2 (32:19):
Oh, okay, I'll add them. No, we're not buying any
of them. So I just exited because I was like
seven hundred dollars in one time. No, no, and I
feel like the same thing happens when if I go
to the shops and I'm like, I've got to go
to Call's. They don't have everything I need. I'll go
to wars Aldi wherever. But if I'm spending like one
hundred dollars, it's this is for a big shop. By
the way, I do not have this kind of money,
(32:39):
but one hundred dollars in each store. But sometimes you
got it back. I'm not yeah, sometimes you got to,
but I'm not seeing it as three hundred dollars. I'm
saying like, oh okay, this one was fifty bucks. Oh okay,
this one was eighty dollars long. Just when you do
it all together, it's like, WHOA, do load yourself?
Speaker 4 (32:53):
Don't?
Speaker 1 (32:53):
Yeah.
Speaker 2 (32:54):
I kind of like this idea of just being like,
all right, so on Sundays, I can buy anything. Just
can't shop during the week. But then it makes you
really reflect, yeah, and you're like, what do I really need?
All lose genius?
Speaker 1 (33:06):
I like that.
Speaker 3 (33:06):
Another person, beck, I washed this tear took and she said,
I play a game called if it's under I buy it,
So basically, before she checks the price tag, she guesses
what she thinks it could cost and then sets her
in spending limits. So she looks at the top and goes,
I'd spend fifty bucks on that, And then if the
actual price is higher than what she had decided she's
(33:28):
willing to pay, can't have it, automatic, no, But if
it is lower, she lets.
Speaker 2 (33:32):
Herself have it.
Speaker 3 (33:33):
And she says it turns impulse shopping into a little
bit of a like budget challenge, and she finds it
really addicting because it's like a game. So, yeah, guess
what that jumper is worth?
Speaker 4 (33:43):
Yeah?
Speaker 2 (33:43):
Yeah, yeah, it was one hundred dollars and then it's
one hundred and fifty and you're like absolutely not, can't
have it, sorry, by oh my god. And then you've
kind of got your head already how much you think
it's worth because how many times.
Speaker 3 (33:54):
You like flipped the price tag and you've been like, oh,
one hundred and eighty bucks far out, that's more.
Speaker 2 (33:59):
That's not what I better than. You're like, oh, maybe
it's good quality, maybe it's the breath, you justify it totally.
But if you think about it first, like I think
this is worth this much, then that's kind of like
set in your head. That's exactly genius. I like that.
Speaker 3 (34:11):
I like that these aren't as unhinged as I thought
that they would be. True, how reckon We can implement
some of these back, I think. So I'm really absolutely
going to do the game one that's for show.
Speaker 2 (34:20):
Okay. So another person said, I remind myself that buying
things is giving money to rich people, and I need
the money more than them. Also, research what companies you
are supporting and what they are doing to the world.
It stops you from spending money really quick, which is
also pretty genius. We don't want to make the rich
people richer, No, we don't. We want to make us richer. Literally. Yeah,
(34:42):
one day we're going to be the rich people. Oh
yeah yeah, and then you can stop spending on our things. Yeah,
I completely agree. All right, are you ready? I'm ready.
So this one I thought was like slightly unhinged. She said,
I taped a picture of my mum to my card
to remind me of when I had to move in
with her and how bad it was. Oh my god,
(35:04):
fair enough, that's so funny. So she's like, ah, no
spending because I'll have to move back in with that woman.
Absolutely not. And I guess, like defends a side it's on.
But if you're tapping your card and you're looking your
mother directly in the eye while you do it, it's like,
that's really geep.
Speaker 3 (35:19):
You can take a selfie that makes my face look
really judgy and then you guys can fling it out
and put it in your wallet.
Speaker 2 (35:25):
And it's like, what would Victoria do? Please? Can you
get stickers money?
Speaker 3 (35:28):
If you know me well enough, iug spend Yeah exactly,
So I'm like pretending to help.
Speaker 2 (35:34):
Victoria would spend this money. It's like a delusional exactly.
She's good at money, but like for other people, Yeah,
what would you Victoria would be spending this kind of money?
Maybe that would not be good. So maybe you think
about it. Yeah, oh yeah, that's true. Okay, next one.
So this TikToker said, if I want something, I have
a rule that I have to come back for it.
(35:55):
If it's not worth a second trip, it's not worth buying.
That's so true. That's similar to me saying put twenty
four hours between you and your spending because if you've
seen something and I'm like, I know you really want it,
you can have it tomorrow, same time. Tomorrow, same time
comes you like, I can't pep bo been going and
getting that totally, and I guess like this is a
similar thing that I've done. Like if something I see
online is like, oh, I really want to buy that,
(36:15):
it's it is so easy to just do it from
the company. Yeah, but if you like I have to
go into the store, I'm going to make myself get
into the store to buy this and then all of
a sudden you're like, you're not. They don't have the
same dopamine rush because it's now a chore. Yeah.
Speaker 3 (36:27):
Yeah, instead of being an impulse purchase, there's no impulsiveness here.
Speaker 2 (36:31):
There's a chore. I have to go do my work totally. No,
thank you, Beck. I feel like we've been yapping for ages.
So to finish off, I've put together a little quick
file list of different things that people ask themselves every
time they go to shop and they have the urge
to shop. Yeah, so first person said, if I found
this in the bin, would I clean it and keep
it or would I leave it? Oh my god, that's
(36:52):
the Pooth thing. It's the Pooth thing. And for those
who don't know, if we were talking about these is
like Marie Condo, Momi works for some people. If something
that you want to buy or something you own. This
is for if you're throwing things out, or if you're
buying something, if it had woo on it, would you
clean it? Clean it? Would you just chuck the whole?
Did you chuck it out? And that's a really good
(37:12):
way to figure out I'm throwing it out in them.
Someone else said, if my boss came up to me
after I worked the amount of hours it took to
pay for it and offered me the item instead of
the pay how would I feel imagine coming up to
someone and being like, Hey, so good work today, fantastic work.
You've done a heap of overtime. Would you like this
(37:34):
single it? It's rash and play you convinced yourself it's
a good basic Yeah, that's so true. I'd like get
in the bin, give me my money. Someone else said,
I love it, but do I insert price love it?
I love it, but do I a hundred dollars love it?
(37:54):
Probably not, though it's a good question to ask you.
Speaker 3 (37:56):
If someone offered me the item or the money that
it costs, which one am I going to choose? That
is very smarteck, or do you want that top.
Speaker 1 (38:04):
Yeah.
Speaker 2 (38:04):
True, that's a really good way to do it because
and you're like, oh, there's so many other things I
could do with this money. And then you're like, wait,
they have this money. Do you what that teaches me?
I can be bought. Yes, I really very often choose
the money that is, yeah, top, but I'd have some
cash totally. Oh my god. That's so true because if
you have the cash and you're about to spend it
and then someone's like, would you rather this or the cash,
(38:26):
and you're like, oh the cash things and you're like, wait,
it's already here, and I already have the cash and
I get to keep it. Oh my god. Yeah, I
like that.
Speaker 1 (38:33):
I like that.
Speaker 2 (38:33):
I like that all right. And finally someone asked themselves,
do I want to be stealing from myself? Because that
was my time that earned that money, and it's my future.
It's taking it from powerful powerful That wouldn't work for me.
I'd be like, mah, I wouldn't be mad at myself
for stealing from myself. Yeah, I'm allowed. I'm allowed. I'm
a nice lady. Oh yeah, okay. I think that's the
(38:54):
perfect one to end it on because there's a bit
relatable I'm stealing from myself and both and I are like, hmm,
we're allowed to a key. Yeah, future me would be
proud of me. Yeah, exactly right, Beck. Big takeaway from today, yes,
I would say, is that there is literally no one
size fits a way to build better money habits. For
(39:16):
some of us, it's color coded budgeting. For others, it's
snapping a hair tie, pretending to be a pensioner on Facebook,
or having a pretend video game with reward points and
chores and honestly sis, if it works, lean into it,
lean in, lean in who cares how unhinged it is?
And my friends, if this episode is something that has
(39:37):
you rethinking your spending habits, the thirty day reframe might
be your next step. It is free, it is low pressure,
and it is packed with really simple ways to break
the buyer scroll repeat cycle. I'm going to make sure
that the link is in the show notes for you,
and as always, don't forget to follow and subscribe. It
really does help us to keep bringing you content you love.
We'll see you on Friday, see your friends, Bye byes.
(40:05):
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
(40:26):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Shepper Pty Ltd ABN three two
one IS six four nine two seven seven zero eight
AFSL four five one two eight nine
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,
Kaka yah Ya bin Ahaka Nian Our gay In Nimbina,
yakarum Jar, Dominyama, Domaga, Ithawakaman, damon Imlan Bumba, bang Gadabomba
in and now in wakah Ghana on yak rum Jar
(00:20):
water Nadaa. Hello, 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,
(00:40):
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. Hello and
(01:08):
welcome to She's on the Money the podcast. It's all
about building better money, habits and outsmarting your impulse buyers
before they outsmart you. I'm beck side and with Me
is our favorite for my financial advisor with a background
in psychology, which basically makes her your personal finance voice
of reason. Victoria divide. Oh, thank you personal finance voice
of reason? Like God, you can't say that's probably not
(01:30):
what I would say, God, because I say often do
as I say, not as I do. So like, am
I actually your voice of reason?
Speaker 3 (01:37):
Because like I could also talk you into spending money
and I'm actually really good at that.
Speaker 2 (01:41):
Hey, that's okay, because I think that it's it's the advice.
Like we often don't take our own advice, but the
advice that you give is I do try to take
my own advice best practice. You know, Oh, absolutely well, today, Beck,
we've decided to change things up a little bit.
Speaker 3 (01:56):
If you've even spent five minutes on TikTok lately, try
five hours. You've probably seen the trend where people are
asking for the most unhinged hacks to fix literally anything.
They're like, oh my gosh, what's your most unhinged hack
to get over your eggs? Or I love what's your
most unhinged hack for like hacking productivity or sleep?
Speaker 2 (02:14):
You name it, there's a video for it.
Speaker 3 (02:16):
Or someone in our shees on the Money Facebook group,
Beck asked for the most unhinged ways to stop yourself
from dopamine spending.
Speaker 2 (02:24):
Our community did not disappoint What a good idea?
Speaker 3 (02:27):
They didn't disappoint so much that we've made it a
whole episode and we thought, what a good idea?
Speaker 2 (02:32):
How fun is that? Because let's be real, sometimes traditional
money of us it doesn't cut it. No, I can
see you down and be like, okay, cool. So this
is how you write a statement of advice, and you
guys are already glazed doper. Sometimes a budget is just
not enough. You need to physically put your credit card
in a bowl of water and put it in the
freezer and then walk away.
Speaker 4 (02:50):
Yeah.
Speaker 2 (02:51):
Like, sometimes you just got to do what you got
to do, or take it out for it freezes over. Yeah,
I know, but we'll try. We'll try. We're going to
try anything. So today you and I sharing a bunch
of the best and most unhinged tax some from that
Facebook group and some which are arguably even more unhinged
that we've gone and dug up on TikTok yay, do
you have any unhinged tax back? Well, as you know,
(03:13):
I'm not very good with money, but I think that
the probably the most. Like it's not unhinged, but like I,
if anything's in cash, then I can forget that it exists,
So it's not any interest, it's not anything. But I've
done some weird things with cash, like I'll send money
to random places. I think I've sent money to my
best friend. Well, I can't be trusted. I can't be trusted.
(03:37):
I'll send money to my friends, and like you know,
obviously depends on the relationship you have with your friends
if you trust them. But send money to your friends,
send many to your parents, whoever you trust the most,
and just be like, do not let me touch this.
But my most unhinged and I was explained to my
girlfriend the other day, was that, so we're going to
go to Thailand. I'm exciting, but I said, I physically
(03:58):
cannot save for it. If I get to a point
where I've saved X amount of money to go on
a trip, I'm like, well, there goes my life savings
and I could be putting that towarterhouse. So instead what
I do is I as I shouldn't say this, I
paid you. No, No, you can say it. This is
a safe space. Have I ever actually judged you for
making a money decision? Exactually that's probably not your best moment,
(04:20):
but like also been there, done that, totally. Well, for example,
I've after paid the hotel already, so I'm like, you
can just pay it off, pay it off slowly. I
did not save for it. I didn't budget for it.
I just after paid a hotel and now I literally
and it's non refundable because the way a fundable thing,
I have to I have to it just anxiety, I know, same,
(04:40):
but I have to. So after pay the hotel, I've
only paid like two hundred bucks of it, and then
the rest I must do, like I actually have to others,
I'm screwed. So I just don't say for anything and
I just wing it. That's my unined.
Speaker 4 (04:54):
Oh.
Speaker 2 (04:54):
I feel like that's terrifying to me because I'm just
so like taype Ai.
Speaker 3 (05:00):
Actually that's a lie, because you know, I spend a
lot of time on TikTok. There's apparently type A people
really super organized. Then there's type B people who I
would say, you're type B, I see, which is good.
Speaker 2 (05:12):
We are a little bit more.
Speaker 3 (05:13):
Rogue, kind of don't worry about structure or planning. Like
if you came to my house, there's like everything in
a little tub in a fridge organized like you'd be
like absolutely not Victoria. But then there's Type C, and
I have recently learned that that is me, And it's
a mix of Type A and Type B. So you
want to be really organized, but you often are a
little bit too doululu to actually commit to that. So
(05:34):
like sometimes you're like so planned, so organized, but then
on the flip side, you're also like yollow.
Speaker 2 (05:39):
And then you just can't be trusted. So I'm a
Type C friend. I believe that.
Speaker 3 (05:45):
Yeah, like we want to be organized, we want to
like things must be nice, we like the organized fridge vibes,
but then also we're just yollowing all the way home.
Speaker 2 (05:56):
So you just can't win absolutely well on that note, yes,
considering that was a bad hack.
Speaker 3 (06:04):
For not like, we didn't say that these hacks are
going to work for you, So we were just going
to share the hacks that we found, so read between
the lines there.
Speaker 2 (06:14):
Yeah, you use that however you like exactly, no judgment.
I don't mind. Well what's my hack? Yeah, what's yours?
My hack is? It's not even a hack.
Speaker 3 (06:23):
I think I'm so wildly passionate about getting people out
of debt and staying out of debt because I've been there,
I think my hack to staying out of debt was
being in debt, and that's a terrible hack and that
makes no sense. But I was talking to one of
my friends about it the other day and they was saying, Victoria,
like they're in a bit of credit card debt at
the moment, they're like, you told me, Like you told
(06:45):
me not to do this, Like I've listened to your podcast,
but like I just had to walk the walk and
realize how terrible that was, so that I'm never going
to go back there again.
Speaker 2 (06:53):
Yeah. So, like my hack was getting a ridiculous amount
of debt so that you stress yourself and can't eat,
can't sleep, can't talk, can't breathe, and then all of
a sudden, you'll take money seriously, learn the hard way.
And I had to learn the hard way because I
just I can't be trusted.
Speaker 3 (07:10):
Someone tells me, Victoria, this is how it works, and
I go, whatever, I'm better than that.
Speaker 2 (07:15):
I can I know better than that. I think I
know better. I think I would know. I would not know.
It turns out I want to know what the first
So you have a listen list, I'm checking it twice.
You checking it twice, no, maybe not. I'll just read
them out once. Well, what's first on your list? All right,
(07:36):
so we're going to start with our beautiful Facebook group.
And oh my gosh, I love this one. It's from
Kelly Ann and she says, change your Facebook demographic age
to say that you're older and a man so that
you only get ads and products things like walking.
Speaker 4 (07:52):
Frames and lazy boy chairs, because then you're not tempted
by like the dish sale or like Kukui or whatever,
because you just be target advertised things that actually make
no sense to you.
Speaker 2 (08:03):
That is a great hack. But I would fear that
you'd fall for the walking frame. I would fall for
the I would be like, well, I got a lazy
boy in my house now, and also a walking frame
that I don't need. I reckon it's good.
Speaker 3 (08:16):
A very good salesman could convince me to get a
lazy boy. Yeah, my nana has a lazy boy couch
and two lazy boy like rocking chairs and laity experience.
Speaker 2 (08:27):
I don't even need a salesman. You've already sold me. Yeah,
you're welcome. You know this is really kind of unrelated
but related somehow. I will get to the point. But
that Black Mirror episode where you could choose your own adventure. Oh,
that kind of thing. I love Black Mirror, but like
Black Bear also, that season just like close to reality
for me. Absolutely, But it was like there was one
(08:47):
season where you could you had to pick your own
ending and middle of the show, and it's like, I
just want to know what I'm missing out on. So
I feel like with this hack, I would always be like,
there are probably new products popping up that are catered
to me, and my algorithm knows. Now just shopping for
my dad, I can't see it like, yeah, oh Dad,
you'd love this. Saw it on Facebook, ordered it immediately. Yeah,
(09:10):
and all of a sudden, you're still spending money if
you got one for us? Yeah, do you want to hear? Absolutely? Okay,
So I'm curious to try this anyway. So this one
comes from Amber. She says, wear an elastic hair tie
on your wrist, and every time you consider buying something,
ask yourself if it's a need or a want, and
if it's not a need, then snap your elastic band.
Speaker 3 (09:31):
She says.
Speaker 2 (09:31):
I don't know why, but it worked for me. Now
I stop and think before I purchase me. So you're
just hurting yourself every time you think of something. Yeah,
I guess it's like training. I feel like that's very nineties.
Do you remember back in it. I feel like zap
or something. Yeah. I feel like it's like a no
bark collar, like for a dog when they get a
(09:51):
little zing. Yeah. Yeah, yeah, yeah, totally those and those
like horrible electric fences, and it's like, oh, you'll know
not to go any of that again. It's like I that, actually,
well it's you know, obviously not that severe, but it's
like that could work. You could create this association with that. Yeah, obviously.
Speaker 3 (10:06):
I'm on TikTok twenty four to seven, and I saw
that there was this farmer on TikTok saying that electric
fences are really expensive, so when they first get a
new horse, they put them in the paddock that has
the real electric fence, and no doubt, they'll run into
it once and learn that those fences are dangerous. Then
they use fake electric fences for the rest of their farm.
The horses are too scared of the.
Speaker 2 (10:26):
Like white tape that they just stay away from it
and it's just a piece of string holding them in. Gosh,
it doesn't sit right with me. And I don't know why,
but I'm not a farmer, So if you're a farmer,
let me know. Guys, I get it. I feel like
an electric fence means that, like, you know, you could
do big barbed wire ones, but yeah, animal night get
like caught in their true bubbles probably, and an electric
fence isn't powerful enough to like she just little that. Yeah,
(10:48):
it's just like a little don't do that back. Oh okay,
that's maybe we need that. Yeah, yeah, yeah that's true.
So I like that one. Thank you. Amber create associations
and then you don't even have to think about not
any money.
Speaker 3 (11:00):
Yeah, I know why it works, and there's actually some
science behind it, right, Okay, so it's not just like
us saying on electric fence vibes. Snapping an elastic band
it feels so mean, like that's the last thing I
want you to do to my wrist. Snapping an elastic
band on your wrist is a form of adverse stimulus.
So it actually creates a really tiny momentary disruption that
(11:23):
puts you in a lot of discomfort and it becomes
like an automatic behavior loop. So essentially, in this loop,
you see, you see something, you want it and then
you buy it. But we're breaking that loop.
Speaker 2 (11:33):
And the technique is actually rooted in what's called classical conditioning.
Speaker 3 (11:37):
So do you remember Pavlov's Dog where he rang the
bell and then gave the dog a treat. Yes, And
then over time he started ringing the bell and not
giving the dog a treat, but the dog would drool anyway,
because whenever it heard the bell it was like, hey.
Speaker 2 (11:50):
Let's go getting a treat.
Speaker 3 (11:53):
We're doing that but in a mean way to ourselves,
where neutral stimulus, which is essentially the urge to spend,
becomes associated with something that's not very nice. So every
time you're like, oh, urge to spend, you're like, oh,
that's gonna hurt.
Speaker 2 (12:06):
Absolutely not. I don't want to do that. So you're
creating this negative association which might work for you, like
my mere thing. And then over time our brain links
literally the urge to shopping with discomfort, so you don't
want to do it anymore. Oh my god. I'm just
trying to think about what other things I could do
that with. Maybe vaping Thank you Amber, Yeah, maybe actually
(12:30):
that might work. Yeah, maybe that'll work. Every time I
would have I'll just like it's worth fit. I'm just
getting keep doing it. I'm gonna smoke to the games,
and I'm also gonna just keep doing this, So maybe
I'll just have two bad habits one of ye. But
it's like really popular behavioral therapists actually use similar techniques
to help people break habits like nail biting, like vaping,
(12:53):
like smoking, or even like negative self talk. So maybe
she's onto something. Yes, all right, My next one is
from Laura. She said, every time she feels like shopping,
she goes to her phone settings and then she turns
her display, like her phone display on grayscale, so she
can't see what color she wants to buy. Oh my god,
(13:15):
everything low key looks a bit ugly. Some of these
people have so much discipline, Like I would no, I
would just immediately turn it back to Cala and be
like this sucks. But my intention would be that, but
then I would not do that. And that's really impressive.
So good for you, Laura, that is that's very smart. Okay,
do you want to hear my one from Laura Different?
(13:36):
Laura Different, Laura good. Laura says, I curbed my shopping
addiction by going to a physical store and loading myself
up no trolleys, no baskets with anything and everything I wanted,
and then I'd walk around the entire store holding it
until the dopmein rush wore off, and then I'd dump
it all and leave. A craving generally lasts between five
to twenty minutes, so it wouldn't take long to get
(13:57):
sick of holding everything. Oh my god, I just can't
imagine doing that. I do. Actually, it would work. I
think would work because sometimes like I'll be in the
shop and I'm in such a good mood, and then
I'll pick up something and I'll be like, my girlfriend
would love this or my best friend with love this,
and I'll pick it up and walk around, and then
I'm in there for so long that by the end
I'm like, what is this for? Again? Brook am I
doing with these things? And then I just put them back.
(14:18):
I'm like, that's good, so silly, I'm not going to
buy these, that's good.
Speaker 3 (14:22):
I'm just imagining me at the supermarket carrying around all
this stuff that I want, and then you know, the
longer I am in the supermarket, the hungry or I'm
getting some more I want it.
Speaker 2 (14:32):
Oh my god. True. Well, maybe it's like more like
your sugary treats. I think I need to do that
for sugary treats. I can't start myself, so that is
not mad.
Speaker 3 (14:40):
But I have a whole stash of sugary treats in
the car door of my car at the moment, and
I need someone to remove them because I'm basically just
eating peatrings every time I'm in the car eating what peatrings?
Speaker 2 (14:51):
Like those jelly rings that taste like peaches and cream? Like, oh,
they're so good. Back, maybe I need a little elastic
band on my Just stop me. I put a featuring
around your rest. Yeah, then I eat it.
Speaker 3 (15:05):
You've got another one, beck, And I wanted to share
this one because it actually made me really proud. Sarah said,
I cured my dopamine spending addiction by becoming addicted to
investing instead.
Speaker 2 (15:16):
Yes, how good is that?
Speaker 3 (15:18):
Microinvesting and fractional shares are a really great way to start?
So buying twenty dollars of shares here and there is
just apparently as good as going and buying crap that
she didn't need in the beginning. She would spend like
ten bucks a day and get the fixed and give
myself some time to learn all about it.
Speaker 2 (15:34):
It's crazy how fast it adds up. And then the
money on top of it makes you not want to stop.
So she said, when I feel like getting uber eats,
which last twenty minutes and is arguably usually relatively disappointing,
I ask myself, would I be better off investing that money?
Speaker 4 (15:50):
Yes?
Speaker 2 (15:50):
Then she sends twenty or thirty bucks over buys shares,
makes toast at home. And if you're bored and looking
up something to buy it online, you may as well
be looking up shares. Oh my god, yeah, yeah, yeah,
And that's really just like gurgling stuff to buy. That's
so good. I think I might try that. That's so
true about the you breed seeing it's like you usually disappointing,
isn't it it is? And then you like honestly vegimion toast.
Speaker 3 (16:14):
Is it's so good exactly, especially if you I don't
know how quick you do this, but like if you're
making toast, you have to stay in the kitchen. You
can't like walk off and then hear the toast pop
and then let it cool. Like the butter has to
go onto the toast immediately, because if the butter is
going onto the toast, and it's not melting as you're
putting it on. You're doing something wrong, I reckon. And
(16:35):
it has to be wonder why, yes, to be wonder
white or like that baker's bread.
Speaker 4 (16:40):
You know.
Speaker 2 (16:40):
Yeah, but none of this thick cut sour dough that
I need a steak, nor so painful sorry sour hurts.
Do you guys not have the roofs of your mouths
ripped up? You have no cheeks? You just like the pain.
It's sharp, it's pain. That is so genius. Anyway, she
(17:00):
says it's the best addiction she's ever had. Oh my god,
that's genius. It's a great addiction to have too, because
it's like you will You're making yourself rich pies of money.
That's so c Okay, I'm going to try that. Thank
you so much. This is so nice. I really like
this episode. I'm taking so many things away and I'm
hoping that I remember them by the end of week.
Do you know what, I've written these down all on
a piece of paper. You can take her home with it.
Speaker 1 (17:20):
You are well.
Speaker 2 (17:22):
I guess I could just listen to the epide so
did you know?
Speaker 3 (17:24):
And I don't know if many people know this, but
if you are listening on Spotify, there is actually now
an automatic transcript, so if you go to the bottom
of the episode, you can actually see the text. And
for some people in our community, they've said it's actually
so helpful because they read along when we're talking about
more complex topics. So like, probably not today, but when
(17:45):
we're talking about, you know, compound interest or something that
maybe you're not fully comprehending yet, you can like read
along at the same time as we're talking to you,
and you might end up in a better learning position.
Speaker 2 (17:57):
Oh my god, it's a great idea. Yeah. Also, thanks
Spotify for putting free transcripts on there, because that's really good.
That slaves, that's true, and I just want you guys
to know that sometimes the transcripts are not accurate, so
please if you if you she would stand far, is
that what you mean? I would never swear, would use
language something seems out of character. Just trust that it
(18:18):
actually is. It just it was far. I would never
insult Victoria. Yeah. No. So my next one comes from Jess,
who says, I've removed all Apple pay Slash cards from
my phone, so I have to put in my physical
card I've just memorized the numbers. Unlucky. The problem I
(18:38):
have too, that I have too well. She says that
she she shops and adds to card as normal, and
then when it comes to pay time, just to go
get a physical card. I'm not getting one, do that.
I fully understand that.
Speaker 3 (18:48):
In fact, I got a new debit card recently because
mine expired and the numbers are different.
Speaker 2 (18:53):
This is me from spending. Yeah, seriously, but this is
this is really spark. What she does is she leaves
the card in her locked car in the garage, which
is so much effort going down there. It's cold. Yeah,
And then she says, I usually get annoyed and this
distracts me enough to leave everything in my card. This
didn't work when I had my old card because I
(19:13):
knew my numbers off my heart, exactly as we're saying.
So she got a new card. She ordered a new
card with new numbers. Okay, so she's smart. So I
did that by accident, and it's working for me. But
do you know what I found the other day? I
went to buy something on a website at like eleven PM.
Should I be.
Speaker 3 (19:29):
Shopping at that time? Absolutely not? No, absolutely not and
then it didn't have Apple Pay and I was like, oh,
I can't be bothered buying it. Then, Victoria Desne, you
did not need that? Then why will you even? How
did you get to check out?
Speaker 1 (19:43):
Yeah?
Speaker 2 (19:43):
That's so true. You are not doing what you said
you were going to do. I think it's a good
thing to think, because when we're like on autopilot, I'm like, oh,
this looks good, and then we just like, you know,
it's good to think.
Speaker 3 (19:52):
And I'm so easily influenced, Like I wish I wasn't.
But if I see a girl in a cute top,
I'm like, I could wear that at work. Yeah, Victoria,
you have a top already.
Speaker 2 (20:02):
You don't need many top Exactly how many small, minor
inconveniences would you get through to still buy this? And
if your answer is like maybe no, zero, you don't
need it. You don't need it. Yeah, But if it's
something I have to pay for, I'm like, Oh, that's
so annoying or right, I'll go get my card because
you have to it's a bill or whatever. Totally oh,
(20:24):
how annoying, but also so relatable.
Speaker 3 (20:26):
Absolutely another thing I saw people saying when I was
researching this episode Beck is to use an incognito tab
or on your computer when you are shopping online, so
you can't save your logins, there's no auto, feel like
your details are not just there and filling in or
it means you won't stay signed into any of the
shopping platforms.
Speaker 2 (20:46):
So like nothing is easy. So minor inconvenience yeah, makes
it even harder, and extra friction is just annoying enough
to make you give up and be like I can't
be bothered with this, Like I have to type in
everything instead of auto. I feel absolutely not. God, No,
I'm abandoning exactly. And Chelsea also had a really good reminder.
She said she signed up for the She's on the
(21:06):
Money thirty day reframe, which is a free thing we're
doing at the moment beck on our website, and she
loved the list of distraction techniques we put together and
said that there are some good ones there that act
for her as a circuit breaker. We recently, actually the
team and I got together and we were like, we
need like a no spend challenge, and then we're like, oh,
let's not do a no spend challenge, Let's do like
(21:27):
a reframe challenge because I feel like that carries better
into like changing behaviors. But we made the reframe challenge
because the whole team was we're all feeling a little
bit spend ye Beck, and we thought we could all
use a spending reframe. So if you want to sign up,
it's literally free. I'm going to put all the details
for you in the show notes and when you sign up,
you get a really i mean unbiased because we wrote it,
(21:48):
but it's a really great list of twenty things that
you can do when you get the urge to spend money, yes,
don't really want to, so that you.
Speaker 3 (21:55):
Can distract yourself. And I feel like that was a
really good, like little challenge that we put together.
Speaker 2 (22:00):
Community or I don't know if this is the thing too,
but if you go into incognito, then your phone, your
Instagram may not an appen, Yeah, and that would be
helpful because if you're like I really want a pair
of new pants and then all of a sudden, Instagram's
feeding you all these new pants because you.
Speaker 3 (22:18):
Tied parents like I'm not even on Instagram, babe, I'm
on asos.
Speaker 2 (22:23):
You know, absolutely. So that's the thing is that like
those extra little ads that you wouldn't get if you're
on incognito mode. Well, hopefully also curb spending in a
roundabout way.
Speaker 3 (22:32):
I love it all right, Well, it's time for a break,
and when we get back, we're getting into.
Speaker 2 (22:35):
The truly chaotic hacks that I have found on TikTok.
I would say they're they're Beck, just fair warning. They're
equal parts genius and also slightly concerning. So guys, don't
go anywhere and don't take any of this as official
financial advice. Welcome back everyone. Okay, we're hitting the part
(22:56):
that I'm most excited about. I want crazy, I want unhinge.
I want like, yeah, I don't want to freeze your
credit card. We've all heard that, you know, yes, But
also not to say that the other ones that we
read out weren't genius. I do apologize, but we are.
I want some unhinted crazy things exactly. And these hacks
they've come straight from TikTok, and honestly, Beck, I don't
(23:17):
hate them like I don't hate them.
Speaker 3 (23:20):
I feel like a lot of us are going to
go MOhm interesting. I would never And then the background,
we're all just doing it. The first person said, I
treat my life like a cozy game. Sim I add
non essential items that I want to a prize list,
and then every time she does a chore, she earns
a point, and then she can exchange points to unlock
whatever prize she wants.
Speaker 2 (23:40):
Oh my god, dammified her life. And I kind of
love that.
Speaker 3 (23:45):
And for those of you who are playing along, a
cozy game is like a video game genre that I
would say is characterized by her focus on relaxation and
like non violence and slow and being casual. And some
cozy gamsing like caring for plants or characters or animals.
I don't know, you might have heard of, like animal crossing.
(24:05):
Oh yeah, yeah, yeah exactly.
Speaker 4 (24:08):
I like that.
Speaker 2 (24:09):
She's literally gammified her life. She's like, I'm a maker
prize list, and I earn points for doing my chores,
and when I get enough points, I can cash it
in at the ticket booth. Oh my god, that is genus.
Speaker 3 (24:21):
I actually think that's really fun. I feel like it
might work for you. Yeah, you love a game, you
love a point, you are feeling like you're winning.
Speaker 2 (24:27):
Absolutely, Oh my god, I'm going to start doing that
literally from this second onward.
Speaker 4 (24:32):
I love it.
Speaker 2 (24:32):
And right now you are an NPC. I don't want
to be an MPC. You're not. You're the main character.
Speaker 3 (24:39):
Every morning. Side note, my husband and I go for
a walk, so we like take Carvey. We go to
our local cafe, and there is like three people that
we consistently see. We don't like talk to them or
anything because they're like on the other side of the road,
but they're always doing Like there's always this one woman
always in her front garden at about the same time
of day every morning, doing like weeding and stuff. Steve
(25:00):
will always look and be like, NPC is NPC today?
Speaker 2 (25:03):
Yeah, NPC. For those of you playing.
Speaker 3 (25:06):
Along at home who are like, what is Beck and
Victoria talking about? NPC is a non playable character. And
it's like when you're in a video game and you
see those characters that are just like set up to
do their thing but aren't actually a character that people
play anyway. So that happens to me like three times
every single morning, and there, I swear, just walks around
the block.
Speaker 2 (25:26):
Yeah, consistently NPC. Yes, and you're convinced we are in
a simulation, Beck, Yeah, I agree. Your life is just
a game. Oh my god, that's so fun. I really
love that one. Okay, do you want to hear I'm ready,
I'm ready. This next one's pretty brutal, pretty brutal. So
coming from Beck, you know it's brutal. Exactly. This person says,
(25:46):
I made myself run for the amount of minutes I
spend in dollars. I'm never spending money again. No, yeah,
saying that is genius. So five dollar coffee, five minute run,
maybe fifty dollar dress, one hundred and fifty minute run. No,
absolutely not. Hinge, what are we doing marathons? Yeah? Actually
that would no, no, no, that's not a marathon. Half marathon,
(26:08):
one hundred and fifty minutes. I wish, Well, it depends
how faster, and I'm quite slow runner, that would be
like that would be like five kilometers for me. But
I think that is so smart. And then because if
you do, if you're like I literally have to spend
thirty dollars right now, it's like, well, there's you're not
going for a half an hour run. Absolutely not.
Speaker 3 (26:27):
I used to run, Just to be clear, I used
to be a runner, and it was part of my personality. Beck, Like,
I fully ran marathons, Like I have two full medals
from running the Melbourne Marathon years run.
Speaker 2 (26:40):
It's actually really incredible.
Speaker 3 (26:41):
Yeah, but I did it because I wanted people to
think I was cool, not because I even enjoyed running.
Speaker 2 (26:45):
And then like my whole body hurt, Like yeah, it's
not fun. No, and you know there are other ways
to sure two And Lulu, that's really cookie showing me
these photos. Yeah, absolutely running, Victoria, Absolutely, I can I
look like a watermelon? Like I am so red.
Speaker 3 (27:05):
You know those people that like run and they look
beautiful running, not me, like I fully go to a
color that you go, are you all right?
Speaker 2 (27:12):
Right? Fine? She needs to stop right now. Yeah, she's
she's going to die, all right. So Beck, I've got
another one, and this one I think sounds like a
little bit of fun, she says. My sister and I
are each other's accountants.
Speaker 3 (27:26):
If we want to buy something, we have to make
an application in person for the item. It can be
approved or it can be denied based on the information given.
Speaker 2 (27:35):
Oh my god, that is so much. And it's like, oh, Beck,
can you come over to my house tonight. I've got
to pitch you. Yes, yeah, oh my good. Can you
make an appointment and come over it? We should try
it next time you want to buy something for me,
and we'll discuss it.
Speaker 3 (27:47):
Next time I want to buy something, I'm going to
be standing in calls and it'll be like, hey, Beck,
so pet tring's two for five again.
Speaker 2 (27:54):
Should I do it? I'd be like five minute run, Victoria.
Absolutely not. I'm sorry. I was just asking for your
permission not to be sent on a run. I'm gonna
hang up on you and still buy the petreots. I'm
going to make a big mix of all of these
th so it's going to be a one minute per
one dollar. Yeah, but like also an application yourself with
your last year and also the unlocking the rewards. It's
(28:17):
gonna be big mix of it, and your phone is
going to be consistently in gray scale. Yeah, exactly, absolutely
not exactly. Oh yeah, I really like that. I really
like that, I think and yeah, you have to like
call and make appointments. What are you doing at four o'clock?
Four o'clock's good? You have to come with a whole thing, right,
I'm gonna have to pitch you. I'm gonna have to
make a PowerPoint presentation. Yeah, I will your name, day
(28:37):
of birth, all the things that you need. You're welcome,
and then you can go to the bank and then
apply for a loan in my name. Exactly. Yes, I
will need your drives last year. Yeah, yeah, no worries. Okay,
So this one feels pretty smart. This TikToker says every
so often they replace their bank cards and it cancels
all subscriptions, and then you have to actively resubscribe to
the ones.
Speaker 3 (28:57):
I feel like that's a genius, because you do you
want to unsubscribe from Netflix, you'd be like, oh, no,
I've been watching this show on there. No, But like
if the subscription just lapsed and you get a pop
up that says, oh re enter your credit card details,
you just exy, You're like, nah, no, I don't even
want to watch it anyway, Yeah exactly. You need you
(29:18):
just like take it off yourself to begin with, not
have to actively go and unsubscribe.
Speaker 2 (29:23):
Yeah that's pretty good. I do like that one. And
then as well, you have to like physically get your
card and a different numbers again because you just got
a new card and you can't remember them off the
top of your head. Torture a kind of low key genius.
I've got another one, and I kind of love this
she says, if I buy something on sale, I have
a rule that I have to transfer the rest of
(29:43):
the price into savings. And this got me out of
the mindset that I was saving money. When a sale
is on that's so good, I actually think that's so good.
So something is on sale for fifty dollars and it
was originally one hundred, Like, you can buy it for
fifty dollars if you think it's a good deal, but
you have to put fe a few bucks into savings. Yes,
and you're kind of like, ah, I don't have the
(30:03):
cash for that, call you can't afford it? Yeah, yeah, yeah,
do you want to go to the city. That's pretty
I really like you're making it like an adult, even
like I reckon even like tiny things. If you're like, oh, wow,
the milk is two for one today, then you could
definitely do that with like your grocery budget. Yeah, you
really don't budget for things that are on sale.
Speaker 3 (30:22):
Go, okay, groceries this week can gonna be two hundred bucks.
And then if you spend one hundred and eighty bucks
or something, which honestly, let's be honest, saving twenty bucks
in your groceries each week unheard of, but like, let's
pretend you have to transfer that twenty dollars to savings
or get this, I'm trying to take it to the
next level. You transfer it to another fund, savings for Christmas.
Oh my god, because Christmas is coming.
Speaker 2 (30:43):
I'm so sorry. Fuck, Christmas is not far. It's really
not far. I keep putting money in my Christmas fund
every month and taking immediately back out. So I was
about to say good girl, and then I was like, oh,
so that has never worked for me. I'm not a saver,
but I will change my habits one day. With this episode,
I think we could be honest something. I love it.
So another one is my ruler is that I can
(31:06):
only buy things on Sunday. I can add stuff to
cart all week, but on Sunday I see it all
as one big total. So it turns me off buying
it because I realize for me, I can't would work
for me that would work. And also you're giving yourself
time to think about if you really need something or
if it's impulsive and yeah, and then I think, yeah,
when you see some reason they go to the shops,
(31:26):
it like adds up quicker than you think it does.
And like I know that that's basic maths, but like
in my head it's not. And I've been doing this
a lot recently, not this actual concept, but I've been
adding a lot of things too. I have those like
I save things in instacram a lot. So back to
the top thing, it's because I'm wearing a new top deck.
Thanks for noticing, thank you. But I literally have just
(31:50):
been saving outfits because coming into winter, I feel like
it sparks something in your brain where you're like, oh,
coming into winter, I haven't worn jumpers in it ages,
maybe I need some new jumpers, saving lots of them.
And then I went onto this website the other day
to be like, oh, you know what, I'm going to
splurge you a little bit. I'm going to add these
three jumpers that I want to my cart. Sorry, what
do you mean that's seven hundred dollars?
Speaker 1 (32:12):
Yeah, I know.
Speaker 2 (32:13):
No, Actually, like in my.
Speaker 3 (32:14):
Head I'm like, oh, I do want to buy a
good quality jumper, so like I'll save that one.
Speaker 2 (32:19):
Oh, okay, I'll add them. No, we're not buying any
of them. So I just exited because I was like
seven hundred dollars in one time. No, no, and I
feel like the same thing happens when if I go
to the shops and I'm like, I've got to go
to Call's. They don't have everything I need. I'll go
to wars Aldi wherever. But if I'm spending like one
hundred dollars, it's this is for a big shop. By
the way, I do not have this kind of money,
(32:39):
but one hundred dollars in each store. But sometimes you
got it back. I'm not yeah, sometimes you got to,
but I'm not seeing it as three hundred dollars. I'm
saying like, oh okay, this one was fifty bucks. Oh okay,
this one was eighty dollars long. Just when you do
it all together, it's like, WHOA, do load yourself?
Speaker 4 (32:53):
Don't?
Speaker 1 (32:53):
Yeah.
Speaker 2 (32:54):
I kind of like this idea of just being like,
all right, so on Sundays, I can buy anything. Just
can't shop during the week. But then it makes you
really reflect, yeah, and you're like, what do I really need?
All lose genius?
Speaker 1 (33:06):
I like that.
Speaker 3 (33:06):
Another person, beck, I washed this tear took and she said,
I play a game called if it's under I buy it,
So basically, before she checks the price tag, she guesses
what she thinks it could cost and then sets her
in spending limits. So she looks at the top and goes,
I'd spend fifty bucks on that, And then if the
actual price is higher than what she had decided she's
(33:28):
willing to pay, can't have it, automatic, no, But if
it is lower, she lets.
Speaker 2 (33:32):
Herself have it.
Speaker 3 (33:33):
And she says it turns impulse shopping into a little
bit of a like budget challenge, and she finds it
really addicting because it's like a game. So, yeah, guess
what that jumper is worth?
Speaker 4 (33:43):
Yeah?
Speaker 2 (33:43):
Yeah, yeah, it was one hundred dollars and then it's
one hundred and fifty and you're like absolutely not, can't
have it, sorry, by oh my god. And then you've
kind of got your head already how much you think
it's worth because how many times.
Speaker 3 (33:54):
You like flipped the price tag and you've been like, oh,
one hundred and eighty bucks far out, that's more.
Speaker 2 (33:59):
That's not what I better than. You're like, oh, maybe
it's good quality, maybe it's the breath, you justify it totally.
But if you think about it first, like I think
this is worth this much, then that's kind of like
set in your head. That's exactly genius. I like that.
Speaker 3 (34:11):
I like that these aren't as unhinged as I thought
that they would be. True, how reckon We can implement
some of these back, I think. So I'm really absolutely
going to do the game one that's for show.
Speaker 2 (34:20):
Okay. So another person said, I remind myself that buying
things is giving money to rich people, and I need
the money more than them. Also, research what companies you
are supporting and what they are doing to the world.
It stops you from spending money really quick, which is
also pretty genius. We don't want to make the rich
people richer, No, we don't. We want to make us richer. Literally. Yeah,
(34:42):
one day we're going to be the rich people. Oh
yeah yeah, and then you can stop spending on our things. Yeah,
I completely agree. All right, are you ready? I'm ready.
So this one I thought was like slightly unhinged. She said,
I taped a picture of my mum to my card
to remind me of when I had to move in
with her and how bad it was. Oh my god,
(35:04):
fair enough, that's so funny. So she's like, ah, no
spending because I'll have to move back in with that woman.
Absolutely not. And I guess, like defends a side it's on.
But if you're tapping your card and you're looking your
mother directly in the eye while you do it, it's like,
that's really geep.
Speaker 3 (35:19):
You can take a selfie that makes my face look
really judgy and then you guys can fling it out
and put it in your wallet.
Speaker 2 (35:25):
And it's like, what would Victoria do? Please? Can you
get stickers money?
Speaker 3 (35:28):
If you know me well enough, iug spend Yeah exactly,
So I'm like pretending to help.
Speaker 2 (35:34):
Victoria would spend this money. It's like a delusional exactly.
She's good at money, but like for other people, Yeah,
what would you Victoria would be spending this kind of money?
Maybe that would not be good. So maybe you think
about it. Yeah, oh yeah, that's true. Okay, next one.
So this TikToker said, if I want something, I have
a rule that I have to come back for it.
(35:55):
If it's not worth a second trip, it's not worth buying.
That's so true. That's similar to me saying put twenty
four hours between you and your spending because if you've
seen something and I'm like, I know you really want it,
you can have it tomorrow, same time. Tomorrow, same time
comes you like, I can't pep bo been going and
getting that totally, and I guess like this is a
similar thing that I've done. Like if something I see
online is like, oh, I really want to buy that,
(36:15):
it's it is so easy to just do it from
the company. Yeah, but if you like I have to
go into the store, I'm going to make myself get
into the store to buy this and then all of
a sudden you're like, you're not. They don't have the
same dopamine rush because it's now a chore. Yeah.
Speaker 3 (36:27):
Yeah, instead of being an impulse purchase, there's no impulsiveness here.
Speaker 2 (36:31):
There's a chore. I have to go do my work totally. No,
thank you, Beck. I feel like we've been yapping for ages.
So to finish off, I've put together a little quick
file list of different things that people ask themselves every
time they go to shop and they have the urge
to shop. Yeah, so first person said, if I found
this in the bin, would I clean it and keep
it or would I leave it? Oh my god, that's
(36:52):
the Pooth thing. It's the Pooth thing. And for those
who don't know, if we were talking about these is
like Marie Condo, Momi works for some people. If something
that you want to buy or something you own. This
is for if you're throwing things out, or if you're
buying something, if it had woo on it, would you
clean it? Clean it? Would you just chuck the whole?
Did you chuck it out? And that's a really good
(37:12):
way to figure out I'm throwing it out in them.
Someone else said, if my boss came up to me
after I worked the amount of hours it took to
pay for it and offered me the item instead of
the pay how would I feel imagine coming up to
someone and being like, Hey, so good work today, fantastic work.
You've done a heap of overtime. Would you like this
(37:34):
single it? It's rash and play you convinced yourself it's
a good basic Yeah, that's so true. I'd like get
in the bin, give me my money. Someone else said,
I love it, but do I insert price love it?
I love it, but do I a hundred dollars love it?
(37:54):
Probably not, though it's a good question to ask you.
Speaker 3 (37:56):
If someone offered me the item or the money that
it costs, which one am I going to choose? That
is very smarteck, or do you want that top.
Speaker 1 (38:04):
Yeah.
Speaker 2 (38:04):
True, that's a really good way to do it because
and you're like, oh, there's so many other things I
could do with this money. And then you're like, wait,
they have this money. Do you what that teaches me?
I can be bought. Yes, I really very often choose
the money that is, yeah, top, but I'd have some
cash totally. Oh my god. That's so true because if
you have the cash and you're about to spend it
and then someone's like, would you rather this or the cash,
(38:26):
and you're like, oh the cash things and you're like, wait,
it's already here, and I already have the cash and
I get to keep it. Oh my god. Yeah, I
like that.
Speaker 1 (38:33):
I like that.
Speaker 2 (38:33):
I like that all right. And finally someone asked themselves,
do I want to be stealing from myself? Because that
was my time that earned that money, and it's my future.
It's taking it from powerful powerful That wouldn't work for me.
I'd be like, mah, I wouldn't be mad at myself
for stealing from myself. Yeah, I'm allowed. I'm allowed. I'm
a nice lady. Oh yeah, okay. I think that's the
(38:54):
perfect one to end it on because there's a bit
relatable I'm stealing from myself and both and I are like, hmm,
we're allowed to a key. Yeah, future me would be
proud of me. Yeah, exactly right, Beck. Big takeaway from today, yes,
I would say, is that there is literally no one
size fits a way to build better money habits. For
(39:16):
some of us, it's color coded budgeting. For others, it's
snapping a hair tie, pretending to be a pensioner on Facebook,
or having a pretend video game with reward points and
chores and honestly sis, if it works, lean into it,
lean in, lean in who cares how unhinged it is?
And my friends, if this episode is something that has
(39:37):
you rethinking your spending habits, the thirty day reframe might
be your next step. It is free, it is low pressure,
and it is packed with really simple ways to break
the buyer scroll repeat cycle. I'm going to make sure
that the link is in the show notes for you,
and as always, don't forget to follow and subscribe. It
really does help us to keep bringing you content you love.
We'll see you on Friday, see your friends, Bye byes.
(40:05):
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
(40:26):
your needs. Victoria Divine and She's on the Money are
authorized representatives of money. Shepper Pty Ltd ABN three two
one IS six four nine two seven seven zero eight
AFSL four five one two eight nine
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