July 3, 2025 • 39 mins
You’re earning more, budgeting better, and technically doing everything right... so why does spending still make you feel like you’re one click away from financial ruin? In this week's ep, we're unpacking the inner broke girl energy that so many of us carry (even when our bank balance says otherwise). Sometimes it's not your budget that needs a glow-up, it's your mindset. Plus things get spicy when a community member asks where we stand on tipping culture... do you tip, when do you tip, and are we all just too awkward to ask for change back? We’ve got thoughts. And of course we've got all your money wins and confession, and broke tips that you love.
Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery woman. And before
we get started on She's on the Money podcast, I
would like to acknowledge the traditional custodians of the land
of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 2 (00:33):
Let's get into it.
Speaker 3 (00:34):
She's on the Money, She's on the Money.
Speaker 2 (00:57):
Hello, and welcome to She's on the Money the podcast.
Next personal finance fun, especially on a Friday. It's our
favorite day of the week because we get to celebrate you, guys,
our incredible She's on the Money community. Miss Jess Gricie's
going to be sharing our favorite money wins. Miss Becksi
Ed has a number of good broke tips and we're
going to be helping to answer a money dilemma, which
(01:17):
is this week all about building a healthy relationship with
money and something that you slid into our dms about
whether you should be tipping at restaurants or is that
in Australia just performative generosity. Oh, I think it's an
interesting concept in a cost of living crisis.
Speaker 4 (01:33):
Definitely.
Speaker 2 (01:34):
Anyway, before we get there, guys, how have your week's been.
Speaker 5 (01:38):
My week's been good, nothing too exciting to report, to
be honest, just bubbing a lot.
Speaker 2 (01:43):
The fourth of July? Do you celebrate the fourth of July?
Any type of celebration is just coded.
Speaker 5 (01:48):
Fourth of July is like American Independence Days. That's a
stretch even for me.
Speaker 2 (01:52):
Yeah, okay, so but we will embrace like Halloween and Thanksgiving.
Speaker 5 (01:56):
Yes, yeah, even Thanksgiving arguably is a stretch. But independency.
Speaker 2 (01:59):
We don't friends.
Speaker 4 (02:00):
I see, we do friends.
Speaker 2 (02:01):
We do friends giving, and it would be rude not to.
I feel like it's been a while since we've had
a proper friends giving. We need banana pudding, we need
pump can park, we need your turkey, like we need to.
Let's organize that, all right, we'll get it in the
calendar soon.
Speaker 4 (02:16):
Yeah, I think that sounds lovely. How's your weekend? Lovely week?
As you guys know, tax time my favorite time of year.
And you're like, I can put my tax returning. Yes, sir,
I don't know how much I'm getting back yet, but
I'm so excited i can barely focus on anything else.
I'm really excited.
Speaker 2 (02:32):
I'm I've got to tell you.
Speaker 4 (02:33):
Guys, I am now like nine weeks into a very
It's not like very intensive, but it's like it's this
strength training thing that, okay, going, are you really strong?
Speaker 2 (02:43):
I think I feel a lot stronger. You've got a
sleeper body under there.
Speaker 4 (02:47):
Yeah, I really would. That's what I want. That's what
I want. I want people to be like, oh, you
don't look jacked, and then I yeah, they call out
these these guns. So I'm feeling I'm honestly feeling really good,
like I've never stuck to anything this long.
Speaker 2 (02:59):
And us I'm impressed with you.
Speaker 4 (03:03):
Thank you, thank you guys.
Speaker 2 (03:04):
So yeah, great, great, great, great, great week. How do
you be BEENVD It's been really good. It's been actually
really busy. You probably haven't seen me in the office
recently because I have been in Sydney and I've been
doing a lot of work for Amazon, which has honestly
been a little bit of a flex because I've gotten
to go on TV and stuff. But I'm so excited
about it. I was talking to them about you, Jess.
You came up in conversation literally a few times because
(03:26):
we were talking about how most people who go and
shop the Amazon Prime sale they actually wait until like
midnight to get the best deals. And they were like, oh,
you probably don't know this, V but like, did you know?
And I was like, oh, no, I know, miss Jessica
Ricci is on my team, and you have been known
to wait till midnight to get the best Prime deals.
Speaker 4 (03:46):
I do love a Prime nay, truly right.
Speaker 2 (03:48):
And I was like, no, no, no, I know this
and I've known this for years. Queens Anyway, I have
been loving this whole Prime conversation because Prime Day has
actually been extended so this year they've decided instead of
just like one day, Jess You're probably gonna love this
as well, they are actually doing seven days of deals.
And the reason they're doing this is to really extend
(04:09):
out our ability to make decisions. We know we're in
the middle of a cost of living crisis, and I
think sometimes having so much pressure on ourselves to go,
oh my gosh, a deal we need to get in,
we need to get in Prime Day is now running
from the eighth to the fourteenth of July, which means
we can actually make really considered purchases, Like we can
fill up our carts, see what the total is. We
don't have to click check out or you can do
(04:31):
what I've done, and I've like pre filled my cart
and I'm literally just waiting until Prime Day comes because
i know my cart's going to discount and then I'm
going to hit check out. But I've been able to
kind of create a wish list or create my shopping list,
and it's like sorry, Jess, but not full of all
of the fun stuff that you might be looking at.
I've got Omo tablets, I've got nappies, I've got all
(04:52):
of the stuff that I know I want to stock
up on and kind of like maybe hoard a little,
like get a few in the bank so that I
get a really good deal on them. But I know
that Prime Day is going to be the perfect time
to make the most of it.
Speaker 4 (05:04):
And you don't even have to carry it home because
I have truly.
Speaker 2 (05:06):
To my door like that's the best you'll ever and
because I'm a prime buf free shipping, we love that
money win. But you know what is impressive Favesta reviews.
Would you like one?
Speaker 4 (05:17):
Yes, Pea.
Speaker 2 (05:18):
This one is from Mushi. I've been following you guys
for maybe two years now. I always watch out for
new episodes, watching the old one while I wait. I'm
a single mum of three for five years now. Your
podcasts have helped me in so many ways. I work
three days study in between whilst also running my side
hustle business reselling, smashing my goals. After one of your
(05:40):
podcasts this week, I emailed my boss for a pay
rise and instantly got four dollars more per hour. I
love you guys and all that you do having to
do the confrontational like hey, I was just thinking you
just emailed and got some more money, So good for you.
I love that and thank you so good. All right, Jess,
(06:02):
tell me what is the community doing? What are some
money wins and confessions that you're going to share this week?
Speaker 4 (06:06):
All right?
Speaker 5 (06:07):
Firstly, this week I have one from Carli who said
she thought her coffee machine was broken. I was seven
years old and it wouldn't blend the coffee through anymore.
Then she figured out that apparently needs to clean the
filter thing.
Speaker 2 (06:17):
She'd cried because she.
Speaker 5 (06:18):
Thought it was broken. Then she gave it a good
old clean out and it still works. She's still got
life seven years later. I have that happened with my dryer.
I was like, the dryer is not drying. Turns out.
Speaker 2 (06:27):
I just you need to empty the condense.
Speaker 4 (06:28):
Huh.
Speaker 5 (06:29):
I don't know what it was, but I need to
empty something. Cleaning things people is the moral of the story. Next,
I've got a money win from Lauren, who said money win.
She got three macas apple pies completely for free using
kischen from the my mac Is app. She said she
had to go into the store to get them and
order them in three separate transactions because you can't add
more than one item using points per order.
Speaker 4 (06:52):
But she said a win is a win. Her and
the kids enjoyed the little free.
Speaker 2 (06:56):
I feel like an apple pie from McDonald's is slept
on so good. I don't think we all have that
experience of biting into one when you shouldn't have been
into it because it was too fresh, and getting that
sticky stuff on the top of your mouth.
Speaker 4 (07:08):
In a pig and then a soft serve and you.
Speaker 2 (07:11):
Crushed them together. After this absolutely.
Speaker 5 (07:16):
Next, I've got a money win from Catherine, who said
money win. My usual quarterly gas bill is around one
hundred and forty dollars. Last week she got a bill
for a whopping four hundred and fifty seven. She did
some investigating and discovered that they misread her meter. I
mean that's a good deal issued her a new bill
for one hundred and thirty seven dollars instead. Catherine then
said not good enough. She asked them for a credit
(07:37):
for the inconvenience, and they gave her forty bucks off her.
Speaker 2 (07:40):
Next bile, that's so sorry. I able to do your
homework for you. What are you paying me?
Speaker 4 (07:46):
It is actually iconic.
Speaker 2 (07:48):
That is so iconic.
Speaker 4 (07:50):
FI that went away everybody.
Speaker 2 (07:51):
Yes, anytime you're inconvenienced, it's paid to play, baby definitely.
Speaker 4 (07:56):
Next, I've got a money win from Alessia, who said
money win. Our sad.
Speaker 5 (08:00):
Some TV stopped working and I started freaking out because
I didn't take out the extra warranty and they had
just ticked over the.
Speaker 2 (08:07):
Twelve dons always the way though.
Speaker 4 (08:09):
She said.
Speaker 5 (08:09):
She went into store to ask if they could recommend
a local repair person, which they did, and the guy
turned out to be a legend because he let her
know all about consumer guarantees and the a triple C.
He recommended that he called the company, gave them a
script to follow, and Samsung booked free repairs for them,
which ended up being with the same guy.
Speaker 4 (08:27):
The TV's fixed. It didn't cost them ascent.
Speaker 5 (08:30):
This is my reminder when shops try to say, hey,
your warranties only for twelve months, do you want to
buy an extra warranty for another twelve months for one hundred
dollars scam? You are covered by a triple C. If
you don't look it up. It's the Australian Consumer Something
Something Consumer Affairs website. If you spend a lot of
money on something, it's basically like the expectation how long
(08:50):
it would last is relative to how much you spent.
So even if the company says, oh, one year warranty,
they're lying like you can actually like, if you spent
three thousand dollars a TV, it's a reasonable to expect.
Speaker 2 (09:00):
It to spend in three thousand dollars on TV's.
Speaker 5 (09:02):
TV's a I really want to frame and they are
very exceens your warranties.
Speaker 4 (09:07):
People don't fall for it.
Speaker 2 (09:09):
I agree, I aggress. She says it's a scam.
Speaker 4 (09:12):
Yeah, but I trust that. Yeah, coming from you and.
Speaker 2 (09:15):
I anything, jess says, I must be gospel and the repair.
Speaker 4 (09:19):
That sounds so lovely. Like you could have said, oh,
give me the money, but he said no, no, let
me help you, which is really appreciate. What a king.
Speaker 2 (09:25):
He's a girl's girl.
Speaker 4 (09:27):
Here's a girl's girl.
Speaker 5 (09:29):
And then lastly, this week, I have a money win
from Jessica great name, who said money win. I got
a nine hundred dollars retention bonus in my pay that
I had no idea I was getting.
Speaker 4 (09:37):
Oh that's so little treat.
Speaker 2 (09:40):
That mean they're just paying you to stay with the company.
They're like, oh, you stayed with us for twelve months
or whatever, so they give you a bonus. But I'd
still find a new job. Nine hundred dollars, Yes, money win,
but like I can't be bought for that amount. Sorry, Jess,
I could be brought for.
Speaker 4 (10:04):
Lackey win.
Speaker 2 (10:06):
I've got to go back to doing some business financial
court if you got when it comes to broke tips.
Speaker 4 (10:12):
So these ones I got from the thread on the
Shoes on the Money Facebook group. This first one comes
from Riss, who says, if she gets bored she walks
the dog and goes and finds cans see if she
can budget and beat it each time, which I think
it's a great idea. So it's two things. It's getting
your walk and it's getting his steps up pot girl
walk and also finding cans, which I know I have
mentioned before as a broke tip, finding cans, seeking them
(10:33):
to that little dispenser thing.
Speaker 2 (10:34):
So you get cash for it, and you get cash
for it, cash for cans, cash for cans.
Speaker 4 (10:37):
But this is the other thing, is that, like I
think I mentioned ages ago about going on like color walks,
which she's like, I'm going to look out for everything
that is red and it keeps you mindful. Now, what
we're going to do is go and look for canned
bottles and cans. I don't know if it's legal.
Speaker 2 (10:52):
Or not, but I'm sure if you're picking up No.
Speaker 4 (10:56):
Not that part, sorry, because I was gonna say it's
illegal or not, but like maybe even look at in Bin's.
Speaker 2 (11:01):
Is that illegal? I don't think you're meant to.
Speaker 4 (11:05):
Okay, okay, okay.
Speaker 5 (11:06):
But that if you get them off the ground. I
think there's always ones around like trade that.
Speaker 2 (11:10):
Because people, yes, yeah, and train stations. This is what
you could do just taking Just go get a really
big cardboard box and market can donations. Put it at
the train station. People put all their stuff in it
and you just go get it once a week. Dream
good and some of the business. Lady, if it.
Speaker 4 (11:30):
Is taken by someone, probably is someone in need. So
I think it's also doing something really good for the community.
Great victorious can donation system. I love it.
Speaker 5 (11:40):
I love it.
Speaker 2 (11:40):
To work on that. Okay.
Speaker 4 (11:42):
The next one comes from Steph who says, check what
incentives your local council offers. We are doing some landscaping.
We were able to get fifty plus plants mulch, soil conditioner,
et cetera for free from the council as part of
their Verge program as a free tree to plant in
our private property. There are the scounts and freebies offered
to guarding is just on our mind currently.
Speaker 2 (12:04):
I love which I think is so good.
Speaker 5 (12:06):
Can I add to that, please check your local council
for free courses because I've just signed up for a
ten weeks so in course and it cost me fifty
It was a week ten weeks, like thirty hours of
that learning.
Speaker 2 (12:17):
So cool.
Speaker 5 (12:18):
Fifty and that includes my materials and you just whoa
what Yeah, and you just know that there is some
sweet old lady who's going to run that for you.
Speaker 2 (12:27):
It's going to be like n is teaching. So excited.
Speaker 5 (12:30):
I think it'll be lovely. They do all they do
different levels for the swing. They do cake decorating that
I want.
Speaker 4 (12:35):
To do next.
Speaker 5 (12:36):
There was heaps of courses at my log so check
your count in your area.
Speaker 4 (12:40):
Absolutely, that's so cutely, your friend, you can come with.
Speaker 2 (12:43):
Me, my god, yes, just as housepeak exactly.
Speaker 4 (12:49):
That is so cute. Yes, okay, my one. This sounds familiar,
so it stop me if I've said.
Speaker 2 (12:54):
This before, but I had to ask her. I have
so ubery love.
Speaker 3 (12:59):
Yes.
Speaker 4 (13:00):
I know that if you're broke, you probably won't be
ordering uber Eats, but I have spent my last money
on uberes before, and I think, treat yourself, you know
what I mean, Like it's tiring being broke.
Speaker 2 (13:09):
When uberats comes sometimes it's not that good, or it's cold,
or your delivery person took six years. Like you're spending
your last money. It could be on disappointment.
Speaker 4 (13:19):
Well that's true, but still it's like, oh, I don't
have to think about it tonight. You know, it's like
that is one load off. But anyway, sometimes if when
I Uber eats, I'm like, I really I really want
like Macers, but I also really need to get all
of these groceries. And so if you buy something, if
you buy anything on u breeds, that like the next
section where you're waiting for your order, it will come
(13:39):
up with like all these different places that are like
free delivery because it's like on the way you know
you've seen that, yes, yeah, what I mean. So what
I do when I'm in that situation, like I know
I'm probably gonna spend a lot of money. I don't
really care because I'm like, you know, it's my last money.
I don't care. I'm buying from the place with the
least expensive delivery. So I'm getting Macers and I'm going
to Coals as well. On uber eats, if Coals is
(14:01):
four forty nine delivery and Macas is two dollars delivery,
I'm doing two dollars delivery. And then the next page
will be you're adding on your coals coals because you're
not got a new breads strategy. Yes, so always do
the cheapest delivery. This is I guess only relevant if
you're doing.
Speaker 2 (14:19):
Two different What if on the next page Coals doesn't
come up?
Speaker 4 (14:22):
It almost certainly will. But it's like you know you're
seeing you live in.
Speaker 2 (14:27):
A really urban area.
Speaker 4 (14:28):
Okay, if you live in an urban area, there will
be your seven elevens, there will be your service stations.
It is everything so expandia always an IgA.
Speaker 2 (14:35):
You know what, we can go back to that friend
who goes on a walk and collects cans. You can
go on a walk and go to the supermarket. What
if it's so far, No, it's reading. No, I've got
to be Devil's advocate here. And you're not spenting your
last money on McDonald's and then on going to the supermarket,
and I just know you're not buying you're not buying staples.
I just know it.
Speaker 4 (14:54):
It's a keeping my nain flight.
Speaker 5 (14:55):
The prices on new breeds so that they do as
you save in delivery are probably playing more than that
for like expensive grocery costs.
Speaker 4 (15:01):
No, that's very true.
Speaker 2 (15:02):
That's very true.
Speaker 4 (15:03):
Or that's the other things that the milk Run.
Speaker 2 (15:06):
We should contact them because milk Run, I'm in a
very committed relationship with you right now. No, inflated prices
straight from more Worths Love. That's true.
Speaker 4 (15:15):
And if you're going to a restaurant or something, check
the prices on the menu on their website first because
sometimes the things are really like three dollars more on
ubreeds and stuff like that. So it's true, it's worth
doing that. But if you're tired from hustling, hustling, hustling
because got mission so broke, just treat yourself, you know
what I mean.
Speaker 2 (15:36):
Do as Beck says, not as Victoria and Jess would say.
That's me for this week. I'm eating frozen bread. Yeah,
don't get and not hitting up so true.
Speaker 5 (15:49):
True.
Speaker 2 (15:49):
All right, let's go to a really quick break because
on the flip side, we're going to be talking about
building a healthy relationship with money, and this week someone
slid into our dms about whether you should be tipping
at restaurants or is that while we're in Australia, just
performative generosity, So guys, don't go anywhere.
Speaker 4 (16:08):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 2 (16:14):
Hi, there, have you got a money dilemma you just
can't solve the She's on the money team. Is here
to help. Every week, we tackle your dilemmas, both big
and small, to answer your most burning money, career and
life questions. To get involved, simply head to our website
and leave us a short voice recording and you might
just find yourself on the show. Now, let's take a
listen to this week's money dilemma.
Speaker 6 (16:37):
Hi everyone, thank you for listening to my question. I
was just wondering how to deal with money trauma and
going from like one extreme to the other. So I
grew up supporting my parents financially, and they still owe
me a substantial amount of money which I won't ever see.
I'm totally okay with that. But now as I've finished
(16:58):
Junie and I'm in a.
Speaker 7 (16:58):
Really good role and my first big girl wage, you know,
just hit my first ten thousand dollars in savings, which
was huge for me. I've come into a relationship with
my partner and she has quite a lot of debt,
but it's all quite short term, so I reckon within
the next five years it won't even be affecting us anymore.
But I guess my question is she's got it extremely
(17:21):
stable income in the defense, she's probably never going to
leave I've got a super stable income, We've got money
coming in, a lot of it's going to debts right
now and paying those down. I'm just struggling to spend
money on little luxuries, you know, like I've got my
gym membership and we've got like a small coffee allowance.
Speaker 6 (17:39):
But I'm just.
Speaker 7 (17:40):
Trying to work out how to have a healthy relationship
knowing that we've got money coming in and that part
of living life is also spending money. I feel like
I've swung so far the other way, and my poor
partner is trying to encourage me that we can have
a healthy relationship with money, but that does also involve
spending sometimes too.
Speaker 6 (18:00):
Any help would be amazing.
Speaker 4 (18:02):
Such a fair question. Also, congrats on your first ten
kg is so huge. I totally get it. Like it's
a really tricky one because it's all about, like literally
you have to rewire your brain when it comes to
finances and stuff like that, which probably calls for therapy
of some kind. I guess that's, you know, a longer process. Also,
(18:22):
really sorry to hear about the relationship who will, in
particular the financial relationship you have with your parents. I
can imagine that would Yeah, definitely kind of warp your
view of finances and stuff like that, for sure.
Speaker 2 (18:35):
So that is a really tricky one.
Speaker 4 (18:37):
But I think that, like, first of all, slow and steady.
Sometimes we don't even we're doing something. There's a pattern
of behavior, we're not even aware of it, and then
we are aware of it, we don't think there's any progress.
Being aware of this pattern is progress, and slowly slowly,
especially if you're actively working toward trying to be more
(18:58):
comfortable with things that is already progressed, just being weird,
just being conscious of that.
Speaker 2 (19:04):
That is really good.
Speaker 4 (19:05):
So congrats on that, because I'm on the other end
where I spend so much and I don't I shouldn't be,
and I all my money's gone by the first week
of my monthly pay cycle, and so I wou'd have
a lot of advice on.
Speaker 2 (19:20):
How to spend more.
Speaker 4 (19:22):
But all I want to say is congrats on your
first thing k and realizing this pattern is progress and
you're going to get there. I'm so sorry. I'm not
helpful at all.
Speaker 2 (19:32):
No, I think that was helpful as well, because I
think it's just like we all have such diverse opinions
and at the end of the day. There's actually no
right or wrong when it comes to money, Like there
is what you deem to be comfortable with money, and
like I would say that I have a relatively healthy
relationship with money, But then you might also say back,
you have a relatively healthy relationship with money because you're like, yeah,
(19:53):
I don't let it impact me in the way it
impacts other people. But then other people might look at
you and be like, well, she doesn't have heaps of savings.
She's not, you know, budgeting in the way that we would,
and they might call it unhealthy. So it's just like
what works for you might not work for the like
the next person, Jess, how would you develop a healthy
relationship with money or how have you done that over
(20:13):
the last years.
Speaker 5 (20:14):
I think I would definitely echo Beck in saying therapy
or counseling I think would be really helpful in relation
to your finances, maybe even in relation to unpacking some
things with your familial relationships too. I think that I
don't think therapy is ever a bad thing. I know
that it's expective. But money well spent is my opinion.
I would say, be conscious, and it sounds like you
(20:36):
very much are as someone who grew up with not
a lot of money. When I got my first corporate
job and I was earning my first big girl age,
I swung really heavily the other way, and I too,
called it beck and I spent like crazy and I
lived my best life, and I don't necessarily regret it,
but it didn't set me up in the way that
you know, with hindsight and a level of financial now, you.
Speaker 2 (20:57):
Needed to learn then, like me, you and I both
needed to learn. Yeah, it feels like to not be
good at money so that we don't do it again.
Speaker 5 (21:04):
Yeah, it's you know, it's a part of my journey
and I don't regret it, but it's just I think
it's a very common pattern, as you were saying, to
go from one extreme to the other. So it's good
that you're thinking about it. My suggestion would be, you've
saved your thirsty ten thousand, which is amazing. Have you
worked out what a good emergency fund looks like for you?
So have you figured out what expenses you would need
(21:24):
to cover for say six months, Because I think a
lot of money anxiety in my experience comes from the
scarcity mindset of going, well, what if I lost my
job tomorrow and all of a sudden, I had no
money again. So having your emergency fund can really negate
that stress. And then in terms of encouraging yourself to spend,
I would say budgeted in so within my budget, as
(21:46):
you guys know, I have like fifteen Savers accounts, so
I have allocated money to spend on cloaks. Specifically, I
have allocated money to spend on beauty treatments. So think
about what would you like to be spending on, like
what areas of your life, you know, is it dinner
with friends or whatever. And then once you work that
into your budget, you will hopefully be able to spend
it a little bit guilt free because you've accounted for it,
(22:07):
like you figured it out.
Speaker 4 (22:08):
It's there.
Speaker 5 (22:09):
You don't have to stress because you've worked into your budget.
Maybe you've got your emergency fund building in the background,
so you know that God forbid something happens, you're all sorted.
It's just kind of building a structure. I think that
is going to give your brain security and then over
time hopefully you'll loosen up and you'll become more comfortable
with those things. But I do still think that therapy
(22:29):
can also really help to turbocharge that.
Speaker 2 (22:32):
Yeah, I guess I'm of the same mindset. To me,
developing a healthy relationship with money is about honesty, it's
about transparency, and it's about I would say, a really
good level of self awareness. And I need you to
understand your money story. First episode on the podcast is
about money stories. Look up money stories on our show
(22:53):
and listen to that. You need to understand where you've
come from, to understand the beliefs you hold today and
what you've double along the way that might be serving
you or what you need to rewrite and go okay, cool,
Like this isn't serving me. I think for me, it's
about not necessarily needing to be perfect or never spending,
but rather understanding or what is intentional, what is informed,
(23:17):
what is putting me in the best possible position? And
asking yourself the question am I currently being kind to myself?
Speaker 1 (23:24):
Like?
Speaker 2 (23:24):
Cause if being restrictive, is you going, no, I'm being
so kind to myself and putting future me first? Or
on the flip side, you're like, no, I'm really missing
out and not having a good time, Like are your
money habits kind to you? Like? Are you putting yourself
in the best possible position. What does that look like?
Are you being intentional? Are you being informed? And that
(23:46):
kind to yourself thing?
Speaker 1 (23:47):
Like?
Speaker 2 (23:47):
Once you understand that, I think that you're able to
then build a bit more confidence because you'll be like, no,
I do have conviction in the way that I'm spending
or the decisions that I'm making. It doesn't matter that
nobody else does it this way. It works for me.
I think that that helps you to control your financial
life over time. And if you're saying I need to
be kinder to myself, which is what I'm kind of
(24:07):
hearing in this story, then what do you need to
rewrite to be able to be kinder to yourself? Do
you need to be more clear on your budget? Are
you aware of what's coming in and you have this budget,
but you're not very good at sticking at it? Are you,
you know, maybe not being kind to yourself because you're like, no,
we got into all this personal debt and I don't
deserve to spend money on nice things. Yeah, we have
(24:28):
a coffee budget because we felt like we had to.
But what does that actually look like like? Do you
feel like you are living your best life? If not,
what does that look like while still prioritizing debt reduction
is probably where I'm at. I just had one more
thing to say. I love for you to say something else.
Speaker 4 (24:44):
I feel like when I have if you change the
medium or something whatever the word is in which your money,
the money that you're spending comes in. For example, like
if you like, oh well, if I have a gift card,
I have no guilt with and paying and whatever for
like luxury items. So maybe you could like buy yourself.
(25:04):
You can set like an allocated amount and buy yourself
a MasterCard, gift card or something like that every month.
And then also sometimes with the places like shop back,
you can get like five percent cash back if you
buy a gift card through that after.
Speaker 2 (25:16):
Like some of that.
Speaker 4 (25:17):
So maybe like if it's in if it's in your
account and you're like, I feel really yucky spending this money,
buy a gift card and then you will be like, oh,
this is gift money or put it in cash.
Speaker 2 (25:26):
Well, this is gold to yourself, Yes, do yourself.
Speaker 4 (25:29):
Maybe that's easier, Maybe it's easier to part with when
it's also like let's say coffee is your trigger, right
and you I'm pretending for a hot second, you go
to Starbucks every week, and you're like, no, I do
want to go to Starbucks every week, but I feel
so bad tapping my card all the time because I'm
so worried I'll go over budget.
Speaker 2 (25:45):
Maybe you budget one hundred dollars for coffee that month,
go and buy one hundred dollars gift certificate. You use
your shop that get five percent back. Know what's on
that gift card, and every time you get your coffee,
just use that gift card because that's your coffee money.
When it's gone, it's gone, exactly exactly you work for you.
There's so many strategies. For some people, they'd be like,
that's an unnecessary hurdle. But then also, once the money's
(26:06):
on that gift card, sorry, it's already on the gift
card card at Starbucks. So maybe it's pushing you in
the right direction exactly.
Speaker 4 (26:15):
Ray, have we got a juicy this week?
Speaker 2 (26:17):
We actually do. And I'm just I'm so looking forward
to hearing your thoughts on this, because Jess, when we're
in the US, we struggled so much with what do
you tip? How do you tip? What does this mean?
How do we calculate it?
Speaker 1 (26:28):
All?
Speaker 6 (26:28):
Right?
Speaker 2 (26:28):
Sit down. Hey, she's on the money, just writing into
be a bit pervy on where everyone sits on tipping,
So excited, thank you for writing in. I went out
for lunch with friends over the weekend. One friend totalled
everyone's share on an even split, and another chimed in
to check if we leave a tip. I'd actually been
talking to her earlier about how I don't think the
(26:48):
service was great, so tipping was not even on my radar,
and honestly I didn't think that they deserved one. When
it came to pay, we split it on the card machine,
so no group tip, but the terminal asked percentage to leave.
She tapped ten percent, and I suddenly felt so awkward
when I selected zero percent with the waiter's standing right
behind me. In that moment, it felt like performative generosity
(27:10):
and tipping just to look good. Is tipping ever a
thing in Australia? Or are we all just scared a
looking stingy?
Speaker 4 (27:19):
I personally, and this is not very popular opinion, but
if tipping was a thing, it would for me personally,
wouldn't be based on customer service, because I'm like, someone's
probably haven't. Maybe someone on a bad day or maybe
they're just like, customer service is not their passion. I
don't want them to be like, because I know the
mental energy spent when you are, like, you've got to
maintain a certain level of energy and enthusiasm when you're like,
(27:40):
oh my god, I'm so tired. So I'm like, I
don't care how bad the customer service was. If it
was a thing, I would be tipping no matter what.
But anyway, that's beside the point. I guess I'm for tipping,
but I don't know that it goes to the person
who served you, Like we're not going to Australia, there's
no no dry like if you tip an add it
on at the f POS machine, like, does it just
(28:02):
get divided among every single staff member and therefore nigate
the fact that you wanted it to.
Speaker 2 (28:08):
Go to that waiter or does it just go to
the house Because I have literally heard of people being like,
oh yeah, if we got tipped, like they said it
was unfair because like Jess got a tip that Beck
worked in the kitchen, so therefore she didn't so they
just kept it.
Speaker 4 (28:21):
Like yeah, that's the other risky thing is that like
you know, yeah, if you're tipping one person and it
just kind of feels like I don't really like that
kind of thing because you're like, what if someone gets
one hundred bucks for the night, someone gets three hundred
dollars for the night. You know it's a bit. But
I think because we have like you know, award wages,
everyone's paid a minimum you know there should be and
(28:41):
then anything above that amazing. But I think that we
don't need to tip.
Speaker 2 (28:47):
Have you ever tipped? Like is that something I do? Tip?
I have tipped, So, like, in what circumstance would you go, Oh,
I really want to leave a tip because I feel
like it's not like in Australia, we're not obligated in
the same way that in a mirror car tips make
up a very big portion of their income. R. So
when are you like, I'm gonna leave a cheeky little tip.
Speaker 4 (29:06):
Well, first of all, it's if I have cash, I mean,
because I want to give it to the person. Yeah,
I don't want it to go to just whoever, likeah,
not that no one else is worthy, but like I
don't know where.
Speaker 2 (29:15):
It's going, and that's that's the relationship I had with you.
Speaker 1 (29:18):
Yeah.
Speaker 4 (29:18):
And then also if I'm if I'm in a position
where I have a lot of like disposable income that
week for whatever reason, and all you've got to.
Speaker 2 (29:25):
Get back on pay week, and you got to get
me on pay week.
Speaker 4 (29:28):
And I don't really go out to eat often at
like fancy places. But yeah, I think it's it's got
to be all those three things together that work perfectly.
I'm like, yeah, I'm gonna tip, but yeah, I just
I just think because I've always been one that's like
going out is so expensive for me, and it's like
I haven't worked into my budget tipping someone. I just
I guess I just don't do it. But it's I mean,
(29:50):
it's not a bad thing, and I don't honestly like
the person who's at the register, the waiter, whoever that's
watching is why are they.
Speaker 2 (29:57):
Watching though, Because like you press the button hit ten
percent at the same time that you're putting your pin
code in. I feel like that's weird. They shouldn't be watching.
That's not okay.
Speaker 4 (30:06):
I wouldn't worry, but yeah, the I totally like the
virtue signally side of things where it's like, oh, someone's
obviously being performative.
Speaker 2 (30:13):
I guess I would just like, if you feel so.
Speaker 4 (30:16):
Inclined and if you have the money, you do it.
I just don't. I don't think we need to do here.
I don't know, I could be wrong, but I don't
think we need to do here. That's what I've been taught.
Speaker 5 (30:24):
No, you're totally right, because it exists in the US
because the minimum wage is so low. So the US
minimum wage for service is like two dollars an hour.
So tipping is.
Speaker 2 (30:31):
Depending on states. So people might jump down our throats
because like some have that, but like, but historically most
of their income is their tips, not their base salary.
Speaker 5 (30:40):
Correct, So tipping is non negotiable. Over there, there's like you,
I think it's like fifteen percent is like a standard
tip because you're paying their wage effectively, wherea.
Speaker 2 (30:50):
Which I find crazy as a structure for society.
Speaker 4 (30:52):
I shouldn't be anyway here or there.
Speaker 2 (30:55):
And they joint include tax at the price. Remember when
we'd go to like check out, it's aphora and then
then I add text and I'd be like, it's go
user me.
Speaker 5 (31:02):
Genuinely, nothing over there makes any sense. But yeah, so
here we have a really good minimum wage. It's not
a requirement as someone who used to work in the
service industry. I worked as a waitress for like five
or six years. It was never an expectation.
Speaker 2 (31:14):
It was always it was always like a sweet tree,
like correct, like.
Speaker 4 (31:16):
If someone tipped you, it was really lovely.
Speaker 5 (31:18):
It was very exciting, especially because I was in my
late teens early twenties, so it's like, oh my god,
twenty bucks.
Speaker 2 (31:23):
This is amazing.
Speaker 5 (31:24):
But you know, it was never an expectation when people
two to me. Back in the day, we also didn't
have the f pos tips. I don't think like it
purely was a cure.
Speaker 2 (31:33):
I've never existed in that.
Speaker 5 (31:35):
It was always showing my age, But I think my
experience predates that. I don't love it because it does,
as you said, feel quite awkward with the person standing there.
But I just try and remind myself. I don't know
if the culture has changed since I worked in the industry,
but like when I was a waitress, it was never
an expectation. I'm being paid to be here, Like my
(31:55):
job is paying me. That's what I'm here for. If
you chip me, that's awesome. You know, it means I
did a great job. And as a consumer, that's when
I will tip if I have weight, stuff that I
feel like really went above and beyond, if they helped
me change orders, or like if something goes wrong, you know,
if I'm with a kid and the kid makes a
mess or you know, something like that. I think it's
like a nice way to show appreciation and gratitude. Yeah,
(32:18):
but it's not something that I will do every time either,
But yeah, I would be really interested to know what
everyone else thinks.
Speaker 4 (32:24):
But what do you think? Because you're also served well.
Speaker 2 (32:27):
I worked in hospitality for like a good ten years,
Like it was my first job. I was in hospitality
and then growing up on the morning to potential that
basically all you can do is hospow. So I did
a lot of different roles from working at a nice
cream shop to like a cafe on the main strip
to working at a number of different wineries. I do
everything from like front of house serving like being a waitress,
(32:47):
to events and being a barista and stuff and Familiarah. Yeah,
I am a trained similia, which is very cool. It's like,
you know, the person that makes a wine recommendations and
like opens the wine. I got the like little badge
that had the great on it. Anyway, very cool, cool
and part of my part of my story when you
talk about it later, I can help you pick a wine.
But at each venue, I remember the tips being treated
(33:10):
very differently. Like one of the wineries that I worked at,
it was kind of like frowned upon. If you were
given a tip to not put it in the tip jar,
and then it would get and I thought this was
quite fair. It would get divided among all of the
stuff that were on that shift, so including the kitchen
staff and the people that were behind the bar, because
more often than not just the waitresses were getting tipped,
and it was like a pretty fancy establishment, so it
(33:31):
wasn't abnormal to work at this restaurant and have most
tables give you a twenty dollar tip, which was always lovely,
But then some people would actually ask me, like what
happens to your tips? And I'd be like, oh, we
share it, and like they would change how much they
tipped because they kind of wanted it to just go
to me, or they'd be like, oh, but what if
I give you cash on the side, And it always
felt awkward. The same thing happened once I moved to
(33:53):
the city and I worked at a number of different
restaurants in the city, some high end, some just like
standard restaurants, some split them. I remember one of the
restaurants I worked out kept all of the tips and
it was like a point of contention because some of
the waitresses who were given cash would just like pocket
it and not talk about it, and we all knew
it was happening, but like you would just not say
anything because the owners were so greedy. It just depends.
(34:16):
But again it was never expected. But like at a
number of places that I did work, like, you knew
the table, like low key, you knew the tables that
looked like they were going to tip, and you would
definitely like bendover backwards. It was kind of like for
me a game, like a game to be like, oh,
I wonder if I could work out how to get
a tip out of these guys were going above and beyond,
which is probably not the best way to approach things.
(34:37):
But like I was young and having a lot of fun.
But when I now tip as a consumer and I'm
at a restaurant, it's because I've really enjoyed the service
or that person's experience, and sometimes I do ask, I
go like, oh, if I tip, does it go to
you and they go, oh, yeah, it does or whatever. Anyway,
that's nice. But I've never felt like when I'm checking
out at the FPOs machine that they're watching in the
(35:00):
ten percent that I put on, like I'm sorry, you
did your job in the nicest possible way. We're in
the middle of a cost of living crisis, and yes,
I am very privileged to have a lot of financial freedom,
but that doesn't mean that I go, yeah, I'd love
to pay ten percent more for this meal, like unless
I feel like it is really warranted and valid and
(35:20):
I feel like I'm doing something good. But this community
member that wrote in, she literally said, I don't feel
like they deserve a tip.
Speaker 4 (35:26):
Yeah, if the service wasn't good.
Speaker 2 (35:28):
Kids zero, you're still paying your bill, right, that's a
good deal. So I don't think it's an issue. We
did ask the community. We said, guys, when do you tip?
One percent of you said every time, I'm not surprised,
fifty eight percent of you said never, thirty seven percent
only tip when the service is good, and four percent
said only when I feel peer pressured to do so.
You should feel peer pressured, No, absolutely not. Next question
(35:52):
we said was, how do you feel about payment machines
and ordering apps asking for tips. Do you know what
that annoys me? I'm sorry, Uber, I love you, but
why am I tipping my driver for being forty minutes late?
Speaker 4 (36:01):
I know what I was gonna say before the drivers.
That's different Uber ubers.
Speaker 2 (36:06):
If you're like forty minutes late and then you left
it at the front of my house, not at my door,
didn't knock on my door, and then I still get
the push notification to be like, do you want to
tip your driver? I'm like, literally no, my food was
cold and at risk of being stolen.
Speaker 4 (36:20):
If it's really shit weather, I usually tip my uber
It's drive the hail the story.
Speaker 2 (36:27):
Anyway, how do you feel about that? Fifty seven percent
of you said we hate it, tipping is an Aussie culture,
twenty one percent said it's awkward. I feel pressured, another
twenty one percent said I don't mind. It's still my choice,
and one percent said I like it. It makes it
easy to support stuff. It's really sweet. And then we
went to the community said guys, what's your two cents?
Someone said it's awkward for companies to ask for a
(36:48):
tip when you order vira QR code with no service.
Speaker 4 (36:52):
I do agree with that.
Speaker 2 (36:53):
Yeah, they also asked for the dip before the food
comes because you're like checking out at that time. That's true.
I do find that interesting. Weird. Someone said I'd be
more upset with splitting the bill equally.
Speaker 4 (37:03):
I mean, that's a great take.
Speaker 2 (37:05):
I think that's so funny. Next person said, the weight
stuff won't remember you by the end of the shift.
It's not that deep. I promise, oh I would remember, oh,
remember you. The next person said, when tipping via machine,
I'm not even sure whether it's going to tip the
staff or the restaurant.
Speaker 4 (37:21):
Well, that's yeah. When it's an f POS, you really
have no idea.
Speaker 2 (37:23):
Yeah, that's the thing. Someone else said, I really wish
card payments had an option to just like round up
for a tip, kind of like keep the change.
Speaker 4 (37:31):
Yeah, because that's what you do with cash all at
a time too.
Speaker 2 (37:33):
Is Yeah, like whatever's eighteen bucks, I'll keep the change.
Next person said, tip on the machine is so sneaky.
My friend accidentally put her pinn as the tip once.
Speaker 4 (37:43):
No, I will die. It was like a zero zero zero,
like starts with a zero. Yeah.
Speaker 2 (37:52):
The next person said, I love tipping when someone's gone
above and beyond tipping being expected, though absolutely not. Next
person said, ever, everything is already so expensive at the moment,
adding a tip feels like a kick in the guts.
And last one I'm going to share is it's okay
to own your no and I love amen now is
a full sentence, baby, exactly all right. That is probably
(38:14):
a very good place to leave it. Guys, it has
been a good week. I have enjoyed hanging out with
you all. We'll see you brighten early on Monday for
Money Diary, but till then, have a beautiful weekend.
Speaker 4 (38:24):
Bye, guys.
Speaker 2 (38:25):
Bye. 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.
Speaker 3 (38:47):
Read the PDS TMD and obtain appropriate financial.
Speaker 2 (38:50):
Advice tailored towards your needs.
Speaker 3 (38:53):
Victoria Divine and She's on the Money are authorized representatives
of Money sheper Pty ltd ABN three two one is
six four nine two seven seven zero eight a f
s L four five one two eight nine,
Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
the Order Kerni Whaltbury and a waddery woman. And before
we get started on She's on the Money podcast, I
would like to acknowledge the traditional custodians of the land
of which this podcast is recorded on a wondery country,
acknowledging the elders, the ancestors and the next generation coming
(00:22):
through as this podcast is about connecting, empowering, knowledge sharing
and the storytelling of you to make a difference for
today and lasting impact for tomorrow.
Speaker 2 (00:33):
Let's get into it.
Speaker 3 (00:34):
She's on the Money, She's on the Money.
Speaker 2 (00:57):
Hello, and welcome to She's on the Money the podcast.
Next personal finance fun, especially on a Friday. It's our
favorite day of the week because we get to celebrate you, guys,
our incredible She's on the Money community. Miss Jess Gricie's
going to be sharing our favorite money wins. Miss Becksi
Ed has a number of good broke tips and we're
going to be helping to answer a money dilemma, which
(01:17):
is this week all about building a healthy relationship with
money and something that you slid into our dms about
whether you should be tipping at restaurants or is that
in Australia just performative generosity. Oh, I think it's an
interesting concept in a cost of living crisis.
Speaker 4 (01:33):
Definitely.
Speaker 2 (01:34):
Anyway, before we get there, guys, how have your week's been.
Speaker 5 (01:38):
My week's been good, nothing too exciting to report, to
be honest, just bubbing a lot.
Speaker 2 (01:43):
The fourth of July? Do you celebrate the fourth of July?
Any type of celebration is just coded.
Speaker 5 (01:48):
Fourth of July is like American Independence Days. That's a
stretch even for me.
Speaker 2 (01:52):
Yeah, okay, so but we will embrace like Halloween and Thanksgiving.
Speaker 5 (01:56):
Yes, yeah, even Thanksgiving arguably is a stretch. But independency.
Speaker 2 (01:59):
We don't friends.
Speaker 4 (02:00):
I see, we do friends.
Speaker 2 (02:01):
We do friends giving, and it would be rude not to.
I feel like it's been a while since we've had
a proper friends giving. We need banana pudding, we need
pump can park, we need your turkey, like we need to.
Let's organize that, all right, we'll get it in the
calendar soon.
Speaker 4 (02:16):
Yeah, I think that sounds lovely. How's your weekend? Lovely week?
As you guys know, tax time my favorite time of year.
And you're like, I can put my tax returning. Yes, sir,
I don't know how much I'm getting back yet, but
I'm so excited i can barely focus on anything else.
I'm really excited.
Speaker 2 (02:32):
I'm I've got to tell you.
Speaker 4 (02:33):
Guys, I am now like nine weeks into a very
It's not like very intensive, but it's like it's this
strength training thing that, okay, going, are you really strong?
Speaker 2 (02:43):
I think I feel a lot stronger. You've got a
sleeper body under there.
Speaker 4 (02:47):
Yeah, I really would. That's what I want. That's what
I want. I want people to be like, oh, you
don't look jacked, and then I yeah, they call out
these these guns. So I'm feeling I'm honestly feeling really good,
like I've never stuck to anything this long.
Speaker 2 (02:59):
And us I'm impressed with you.
Speaker 4 (03:03):
Thank you, thank you guys.
Speaker 2 (03:04):
So yeah, great, great, great, great, great week. How do
you be BEENVD It's been really good. It's been actually
really busy. You probably haven't seen me in the office
recently because I have been in Sydney and I've been
doing a lot of work for Amazon, which has honestly
been a little bit of a flex because I've gotten
to go on TV and stuff. But I'm so excited
about it. I was talking to them about you, Jess.
You came up in conversation literally a few times because
(03:26):
we were talking about how most people who go and
shop the Amazon Prime sale they actually wait until like
midnight to get the best deals. And they were like, oh,
you probably don't know this, V but like, did you know?
And I was like, oh, no, I know, miss Jessica
Ricci is on my team, and you have been known
to wait till midnight to get the best Prime deals.
Speaker 4 (03:46):
I do love a Prime nay, truly right.
Speaker 2 (03:48):
And I was like, no, no, no, I know this
and I've known this for years. Queens Anyway, I have
been loving this whole Prime conversation because Prime Day has
actually been extended so this year they've decided instead of
just like one day, Jess You're probably gonna love this
as well, they are actually doing seven days of deals.
And the reason they're doing this is to really extend
(04:09):
out our ability to make decisions. We know we're in
the middle of a cost of living crisis, and I
think sometimes having so much pressure on ourselves to go,
oh my gosh, a deal we need to get in,
we need to get in Prime Day is now running
from the eighth to the fourteenth of July, which means
we can actually make really considered purchases, Like we can
fill up our carts, see what the total is. We
don't have to click check out or you can do
(04:31):
what I've done, and I've like pre filled my cart
and I'm literally just waiting until Prime Day comes because
i know my cart's going to discount and then I'm
going to hit check out. But I've been able to
kind of create a wish list or create my shopping list,
and it's like sorry, Jess, but not full of all
of the fun stuff that you might be looking at.
I've got Omo tablets, I've got nappies, I've got all
(04:52):
of the stuff that I know I want to stock
up on and kind of like maybe hoard a little,
like get a few in the bank so that I
get a really good deal on them. But I know
that Prime Day is going to be the perfect time
to make the most of it.
Speaker 4 (05:04):
And you don't even have to carry it home because
I have truly.
Speaker 2 (05:06):
To my door like that's the best you'll ever and
because I'm a prime buf free shipping, we love that
money win. But you know what is impressive Favesta reviews.
Would you like one?
Speaker 4 (05:17):
Yes, Pea.
Speaker 2 (05:18):
This one is from Mushi. I've been following you guys
for maybe two years now. I always watch out for
new episodes, watching the old one while I wait. I'm
a single mum of three for five years now. Your
podcasts have helped me in so many ways. I work
three days study in between whilst also running my side
hustle business reselling, smashing my goals. After one of your
(05:40):
podcasts this week, I emailed my boss for a pay
rise and instantly got four dollars more per hour. I
love you guys and all that you do having to
do the confrontational like hey, I was just thinking you
just emailed and got some more money, So good for you.
I love that and thank you so good. All right, Jess,
(06:02):
tell me what is the community doing? What are some
money wins and confessions that you're going to share this week?
Speaker 4 (06:06):
All right?
Speaker 5 (06:07):
Firstly, this week I have one from Carli who said
she thought her coffee machine was broken. I was seven
years old and it wouldn't blend the coffee through anymore.
Then she figured out that apparently needs to clean the
filter thing.
Speaker 2 (06:17):
She'd cried because she.
Speaker 5 (06:18):
Thought it was broken. Then she gave it a good
old clean out and it still works. She's still got
life seven years later. I have that happened with my dryer.
I was like, the dryer is not drying. Turns out.
Speaker 2 (06:27):
I just you need to empty the condense.
Speaker 4 (06:28):
Huh.
Speaker 5 (06:29):
I don't know what it was, but I need to
empty something. Cleaning things people is the moral of the story. Next,
I've got a money win from Lauren, who said money win.
She got three macas apple pies completely for free using
kischen from the my mac Is app. She said she
had to go into the store to get them and
order them in three separate transactions because you can't add
more than one item using points per order.
Speaker 4 (06:52):
But she said a win is a win. Her and
the kids enjoyed the little free.
Speaker 2 (06:56):
I feel like an apple pie from McDonald's is slept
on so good. I don't think we all have that
experience of biting into one when you shouldn't have been
into it because it was too fresh, and getting that
sticky stuff on the top of your mouth.
Speaker 4 (07:08):
In a pig and then a soft serve and you.
Speaker 2 (07:11):
Crushed them together. After this absolutely.
Speaker 5 (07:16):
Next, I've got a money win from Catherine, who said
money win. My usual quarterly gas bill is around one
hundred and forty dollars. Last week she got a bill
for a whopping four hundred and fifty seven. She did
some investigating and discovered that they misread her meter. I
mean that's a good deal issued her a new bill
for one hundred and thirty seven dollars instead. Catherine then
said not good enough. She asked them for a credit
(07:37):
for the inconvenience, and they gave her forty bucks off her.
Speaker 2 (07:40):
Next bile, that's so sorry. I able to do your
homework for you. What are you paying me?
Speaker 4 (07:46):
It is actually iconic.
Speaker 2 (07:48):
That is so iconic.
Speaker 4 (07:50):
FI that went away everybody.
Speaker 2 (07:51):
Yes, anytime you're inconvenienced, it's paid to play, baby definitely.
Speaker 4 (07:56):
Next, I've got a money win from Alessia, who said
money win. Our sad.
Speaker 5 (08:00):
Some TV stopped working and I started freaking out because
I didn't take out the extra warranty and they had
just ticked over the.
Speaker 2 (08:07):
Twelve dons always the way though.
Speaker 4 (08:09):
She said.
Speaker 5 (08:09):
She went into store to ask if they could recommend
a local repair person, which they did, and the guy
turned out to be a legend because he let her
know all about consumer guarantees and the a triple C.
He recommended that he called the company, gave them a
script to follow, and Samsung booked free repairs for them,
which ended up being with the same guy.
Speaker 4 (08:27):
The TV's fixed. It didn't cost them ascent.
Speaker 5 (08:30):
This is my reminder when shops try to say, hey,
your warranties only for twelve months, do you want to
buy an extra warranty for another twelve months for one hundred
dollars scam? You are covered by a triple C. If
you don't look it up. It's the Australian Consumer Something
Something Consumer Affairs website. If you spend a lot of
money on something, it's basically like the expectation how long
(08:50):
it would last is relative to how much you spent.
So even if the company says, oh, one year warranty,
they're lying like you can actually like, if you spent
three thousand dollars a TV, it's a reasonable to expect.
Speaker 2 (09:00):
It to spend in three thousand dollars on TV's.
Speaker 5 (09:02):
TV's a I really want to frame and they are
very exceens your warranties.
Speaker 4 (09:07):
People don't fall for it.
Speaker 2 (09:09):
I agree, I aggress. She says it's a scam.
Speaker 4 (09:12):
Yeah, but I trust that. Yeah, coming from you and.
Speaker 2 (09:15):
I anything, jess says, I must be gospel and the repair.
Speaker 4 (09:19):
That sounds so lovely. Like you could have said, oh,
give me the money, but he said no, no, let
me help you, which is really appreciate. What a king.
Speaker 2 (09:25):
He's a girl's girl.
Speaker 4 (09:27):
Here's a girl's girl.
Speaker 5 (09:29):
And then lastly, this week, I have a money win
from Jessica great name, who said money win. I got
a nine hundred dollars retention bonus in my pay that
I had no idea I was getting.
Speaker 4 (09:37):
Oh that's so little treat.
Speaker 2 (09:40):
That mean they're just paying you to stay with the company.
They're like, oh, you stayed with us for twelve months
or whatever, so they give you a bonus. But I'd
still find a new job. Nine hundred dollars, Yes, money win,
but like I can't be bought for that amount. Sorry, Jess,
I could be brought for.
Speaker 4 (10:04):
Lackey win.
Speaker 2 (10:06):
I've got to go back to doing some business financial
court if you got when it comes to broke tips.
Speaker 4 (10:12):
So these ones I got from the thread on the
Shoes on the Money Facebook group. This first one comes
from Riss, who says, if she gets bored she walks
the dog and goes and finds cans see if she
can budget and beat it each time, which I think
it's a great idea. So it's two things. It's getting
your walk and it's getting his steps up pot girl
walk and also finding cans, which I know I have
mentioned before as a broke tip, finding cans, seeking them
(10:33):
to that little dispenser thing.
Speaker 2 (10:34):
So you get cash for it, and you get cash
for it, cash for cans, cash for cans.
Speaker 4 (10:37):
But this is the other thing, is that, like I
think I mentioned ages ago about going on like color walks,
which she's like, I'm going to look out for everything
that is red and it keeps you mindful. Now, what
we're going to do is go and look for canned
bottles and cans. I don't know if it's legal.
Speaker 2 (10:52):
Or not, but I'm sure if you're picking up No.
Speaker 4 (10:56):
Not that part, sorry, because I was gonna say it's
illegal or not, but like maybe even look at in Bin's.
Speaker 2 (11:01):
Is that illegal? I don't think you're meant to.
Speaker 4 (11:05):
Okay, okay, okay.
Speaker 5 (11:06):
But that if you get them off the ground. I
think there's always ones around like trade that.
Speaker 2 (11:10):
Because people, yes, yeah, and train stations. This is what
you could do just taking Just go get a really
big cardboard box and market can donations. Put it at
the train station. People put all their stuff in it
and you just go get it once a week. Dream
good and some of the business. Lady, if it.
Speaker 4 (11:30):
Is taken by someone, probably is someone in need. So
I think it's also doing something really good for the community.
Great victorious can donation system. I love it.
Speaker 5 (11:40):
I love it.
Speaker 2 (11:40):
To work on that. Okay.
Speaker 4 (11:42):
The next one comes from Steph who says, check what
incentives your local council offers. We are doing some landscaping.
We were able to get fifty plus plants mulch, soil conditioner,
et cetera for free from the council as part of
their Verge program as a free tree to plant in
our private property. There are the scounts and freebies offered
to guarding is just on our mind currently.
Speaker 2 (12:04):
I love which I think is so good.
Speaker 5 (12:06):
Can I add to that, please check your local council
for free courses because I've just signed up for a
ten weeks so in course and it cost me fifty
It was a week ten weeks, like thirty hours of
that learning.
Speaker 2 (12:17):
So cool.
Speaker 5 (12:18):
Fifty and that includes my materials and you just whoa
what Yeah, and you just know that there is some
sweet old lady who's going to run that for you.
Speaker 2 (12:27):
It's going to be like n is teaching. So excited.
Speaker 5 (12:30):
I think it'll be lovely. They do all they do
different levels for the swing. They do cake decorating that
I want.
Speaker 4 (12:35):
To do next.
Speaker 5 (12:36):
There was heaps of courses at my log so check
your count in your area.
Speaker 4 (12:40):
Absolutely, that's so cutely, your friend, you can come with.
Speaker 2 (12:43):
Me, my god, yes, just as housepeak exactly.
Speaker 4 (12:49):
That is so cute. Yes, okay, my one. This sounds familiar,
so it stop me if I've said.
Speaker 2 (12:54):
This before, but I had to ask her. I have
so ubery love.
Speaker 3 (12:59):
Yes.
Speaker 4 (13:00):
I know that if you're broke, you probably won't be
ordering uber Eats, but I have spent my last money
on uberes before, and I think, treat yourself, you know
what I mean, Like it's tiring being broke.
Speaker 2 (13:09):
When uberats comes sometimes it's not that good, or it's cold,
or your delivery person took six years. Like you're spending
your last money. It could be on disappointment.
Speaker 4 (13:19):
Well that's true, but still it's like, oh, I don't
have to think about it tonight. You know, it's like
that is one load off. But anyway, sometimes if when
I Uber eats, I'm like, I really I really want
like Macers, but I also really need to get all
of these groceries. And so if you buy something, if
you buy anything on u breeds, that like the next
section where you're waiting for your order, it will come
(13:39):
up with like all these different places that are like
free delivery because it's like on the way you know
you've seen that, yes, yeah, what I mean. So what
I do when I'm in that situation, like I know
I'm probably gonna spend a lot of money. I don't
really care because I'm like, you know, it's my last money.
I don't care. I'm buying from the place with the
least expensive delivery. So I'm getting Macers and I'm going
to Coals as well. On uber eats, if Coals is
(14:01):
four forty nine delivery and Macas is two dollars delivery,
I'm doing two dollars delivery. And then the next page
will be you're adding on your coals coals because you're
not got a new breads strategy. Yes, so always do
the cheapest delivery. This is I guess only relevant if
you're doing.
Speaker 2 (14:19):
Two different What if on the next page Coals doesn't
come up?
Speaker 4 (14:22):
It almost certainly will. But it's like you know you're
seeing you live in.
Speaker 2 (14:27):
A really urban area.
Speaker 4 (14:28):
Okay, if you live in an urban area, there will
be your seven elevens, there will be your service stations.
It is everything so expandia always an IgA.
Speaker 2 (14:35):
You know what, we can go back to that friend
who goes on a walk and collects cans. You can
go on a walk and go to the supermarket. What
if it's so far, No, it's reading. No, I've got
to be Devil's advocate here. And you're not spenting your
last money on McDonald's and then on going to the supermarket,
and I just know you're not buying you're not buying staples.
I just know it.
Speaker 4 (14:54):
It's a keeping my nain flight.
Speaker 5 (14:55):
The prices on new breeds so that they do as
you save in delivery are probably playing more than that
for like expensive grocery costs.
Speaker 4 (15:01):
No, that's very true.
Speaker 2 (15:02):
That's very true.
Speaker 4 (15:03):
Or that's the other things that the milk Run.
Speaker 2 (15:06):
We should contact them because milk Run, I'm in a
very committed relationship with you right now. No, inflated prices
straight from more Worths Love. That's true.
Speaker 4 (15:15):
And if you're going to a restaurant or something, check
the prices on the menu on their website first because
sometimes the things are really like three dollars more on
ubreeds and stuff like that. So it's true, it's worth
doing that. But if you're tired from hustling, hustling, hustling
because got mission so broke, just treat yourself, you know
what I mean.
Speaker 2 (15:36):
Do as Beck says, not as Victoria and Jess would say.
That's me for this week. I'm eating frozen bread. Yeah,
don't get and not hitting up so true.
Speaker 5 (15:49):
True.
Speaker 2 (15:49):
All right, let's go to a really quick break because
on the flip side, we're going to be talking about
building a healthy relationship with money, and this week someone
slid into our dms about whether you should be tipping
at restaurants or is that while we're in Australia, just
performative generosity, So guys, don't go anywhere.
Speaker 4 (16:08):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 2 (16:14):
Hi, there, have you got a money dilemma you just
can't solve the She's on the money team. Is here
to help. Every week, we tackle your dilemmas, both big
and small, to answer your most burning money, career and
life questions. To get involved, simply head to our website
and leave us a short voice recording and you might
just find yourself on the show. Now, let's take a
listen to this week's money dilemma.
Speaker 6 (16:37):
Hi everyone, thank you for listening to my question. I
was just wondering how to deal with money trauma and
going from like one extreme to the other. So I
grew up supporting my parents financially, and they still owe
me a substantial amount of money which I won't ever see.
I'm totally okay with that. But now as I've finished
(16:58):
Junie and I'm in a.
Speaker 7 (16:58):
Really good role and my first big girl wage, you know,
just hit my first ten thousand dollars in savings, which
was huge for me. I've come into a relationship with
my partner and she has quite a lot of debt,
but it's all quite short term, so I reckon within
the next five years it won't even be affecting us anymore.
But I guess my question is she's got it extremely
(17:21):
stable income in the defense, she's probably never going to
leave I've got a super stable income, We've got money
coming in, a lot of it's going to debts right
now and paying those down. I'm just struggling to spend
money on little luxuries, you know, like I've got my
gym membership and we've got like a small coffee allowance.
Speaker 6 (17:39):
But I'm just.
Speaker 7 (17:40):
Trying to work out how to have a healthy relationship
knowing that we've got money coming in and that part
of living life is also spending money. I feel like
I've swung so far the other way, and my poor
partner is trying to encourage me that we can have
a healthy relationship with money, but that does also involve
spending sometimes too.
Speaker 6 (18:00):
Any help would be amazing.
Speaker 4 (18:02):
Such a fair question. Also, congrats on your first ten
kg is so huge. I totally get it. Like it's
a really tricky one because it's all about, like literally
you have to rewire your brain when it comes to
finances and stuff like that, which probably calls for therapy
of some kind. I guess that's, you know, a longer process. Also,
(18:22):
really sorry to hear about the relationship who will, in
particular the financial relationship you have with your parents. I
can imagine that would Yeah, definitely kind of warp your
view of finances and stuff like that, for sure.
Speaker 2 (18:35):
So that is a really tricky one.
Speaker 4 (18:37):
But I think that, like, first of all, slow and steady.
Sometimes we don't even we're doing something. There's a pattern
of behavior, we're not even aware of it, and then
we are aware of it, we don't think there's any progress.
Being aware of this pattern is progress, and slowly slowly,
especially if you're actively working toward trying to be more
(18:58):
comfortable with things that is already progressed, just being weird,
just being conscious of that.
Speaker 2 (19:04):
That is really good.
Speaker 4 (19:05):
So congrats on that, because I'm on the other end
where I spend so much and I don't I shouldn't be,
and I all my money's gone by the first week
of my monthly pay cycle, and so I wou'd have
a lot of advice on.
Speaker 2 (19:20):
How to spend more.
Speaker 4 (19:22):
But all I want to say is congrats on your
first thing k and realizing this pattern is progress and
you're going to get there. I'm so sorry. I'm not
helpful at all.
Speaker 2 (19:32):
No, I think that was helpful as well, because I
think it's just like we all have such diverse opinions
and at the end of the day. There's actually no
right or wrong when it comes to money, Like there
is what you deem to be comfortable with money, and
like I would say that I have a relatively healthy
relationship with money, But then you might also say back,
you have a relatively healthy relationship with money because you're like, yeah,
(19:53):
I don't let it impact me in the way it
impacts other people. But then other people might look at
you and be like, well, she doesn't have heaps of savings.
She's not, you know, budgeting in the way that we would,
and they might call it unhealthy. So it's just like
what works for you might not work for the like
the next person, Jess, how would you develop a healthy
relationship with money or how have you done that over
(20:13):
the last years.
Speaker 5 (20:14):
I think I would definitely echo Beck in saying therapy
or counseling I think would be really helpful in relation
to your finances, maybe even in relation to unpacking some
things with your familial relationships too. I think that I
don't think therapy is ever a bad thing. I know
that it's expective. But money well spent is my opinion.
I would say, be conscious, and it sounds like you
(20:36):
very much are as someone who grew up with not
a lot of money. When I got my first corporate
job and I was earning my first big girl age,
I swung really heavily the other way, and I too,
called it beck and I spent like crazy and I
lived my best life, and I don't necessarily regret it,
but it didn't set me up in the way that
you know, with hindsight and a level of financial now, you.
Speaker 2 (20:57):
Needed to learn then, like me, you and I both
needed to learn. Yeah, it feels like to not be
good at money so that we don't do it again.
Speaker 5 (21:04):
Yeah, it's you know, it's a part of my journey
and I don't regret it, but it's just I think
it's a very common pattern, as you were saying, to
go from one extreme to the other. So it's good
that you're thinking about it. My suggestion would be, you've
saved your thirsty ten thousand, which is amazing. Have you
worked out what a good emergency fund looks like for you?
So have you figured out what expenses you would need
(21:24):
to cover for say six months, Because I think a
lot of money anxiety in my experience comes from the
scarcity mindset of going, well, what if I lost my
job tomorrow and all of a sudden, I had no
money again. So having your emergency fund can really negate
that stress. And then in terms of encouraging yourself to spend,
I would say budgeted in so within my budget, as
(21:46):
you guys know, I have like fifteen Savers accounts, so
I have allocated money to spend on cloaks. Specifically, I
have allocated money to spend on beauty treatments. So think
about what would you like to be spending on, like
what areas of your life, you know, is it dinner
with friends or whatever. And then once you work that
into your budget, you will hopefully be able to spend
it a little bit guilt free because you've accounted for it,
(22:07):
like you figured it out.
Speaker 4 (22:08):
It's there.
Speaker 5 (22:09):
You don't have to stress because you've worked into your budget.
Maybe you've got your emergency fund building in the background,
so you know that God forbid something happens, you're all sorted.
It's just kind of building a structure. I think that
is going to give your brain security and then over
time hopefully you'll loosen up and you'll become more comfortable
with those things. But I do still think that therapy
(22:29):
can also really help to turbocharge that.
Speaker 2 (22:32):
Yeah, I guess I'm of the same mindset. To me,
developing a healthy relationship with money is about honesty, it's
about transparency, and it's about I would say, a really
good level of self awareness. And I need you to
understand your money story. First episode on the podcast is
about money stories. Look up money stories on our show
(22:53):
and listen to that. You need to understand where you've
come from, to understand the beliefs you hold today and
what you've double along the way that might be serving
you or what you need to rewrite and go okay, cool,
Like this isn't serving me. I think for me, it's
about not necessarily needing to be perfect or never spending,
but rather understanding or what is intentional, what is informed,
(23:17):
what is putting me in the best possible position? And
asking yourself the question am I currently being kind to myself?
Speaker 1 (23:24):
Like?
Speaker 2 (23:24):
Cause if being restrictive, is you going, no, I'm being
so kind to myself and putting future me first? Or
on the flip side, you're like, no, I'm really missing
out and not having a good time, Like are your
money habits kind to you? Like? Are you putting yourself
in the best possible position. What does that look like?
Are you being intentional? Are you being informed? And that
(23:46):
kind to yourself thing?
Speaker 1 (23:47):
Like?
Speaker 2 (23:47):
Once you understand that, I think that you're able to
then build a bit more confidence because you'll be like, no,
I do have conviction in the way that I'm spending
or the decisions that I'm making. It doesn't matter that
nobody else does it this way. It works for me.
I think that that helps you to control your financial
life over time. And if you're saying I need to
be kinder to myself, which is what I'm kind of
(24:07):
hearing in this story, then what do you need to
rewrite to be able to be kinder to yourself? Do
you need to be more clear on your budget? Are
you aware of what's coming in and you have this budget,
but you're not very good at sticking at it? Are you,
you know, maybe not being kind to yourself because you're like, no,
we got into all this personal debt and I don't
deserve to spend money on nice things. Yeah, we have
(24:28):
a coffee budget because we felt like we had to.
But what does that actually look like like? Do you
feel like you are living your best life? If not,
what does that look like while still prioritizing debt reduction
is probably where I'm at. I just had one more
thing to say. I love for you to say something else.
Speaker 4 (24:44):
I feel like when I have if you change the
medium or something whatever the word is in which your money,
the money that you're spending comes in. For example, like
if you like, oh well, if I have a gift card,
I have no guilt with and paying and whatever for
like luxury items. So maybe you could like buy yourself.
(25:04):
You can set like an allocated amount and buy yourself
a MasterCard, gift card or something like that every month.
And then also sometimes with the places like shop back,
you can get like five percent cash back if you
buy a gift card through that after.
Speaker 2 (25:16):
Like some of that.
Speaker 4 (25:17):
So maybe like if it's in if it's in your
account and you're like, I feel really yucky spending this money,
buy a gift card and then you will be like, oh,
this is gift money or put it in cash.
Speaker 2 (25:26):
Well, this is gold to yourself, Yes, do yourself.
Speaker 4 (25:29):
Maybe that's easier, Maybe it's easier to part with when
it's also like let's say coffee is your trigger, right
and you I'm pretending for a hot second, you go
to Starbucks every week, and you're like, no, I do
want to go to Starbucks every week, but I feel
so bad tapping my card all the time because I'm
so worried I'll go over budget.
Speaker 2 (25:45):
Maybe you budget one hundred dollars for coffee that month,
go and buy one hundred dollars gift certificate. You use
your shop that get five percent back. Know what's on
that gift card, and every time you get your coffee,
just use that gift card because that's your coffee money.
When it's gone, it's gone, exactly exactly you work for you.
There's so many strategies. For some people, they'd be like,
that's an unnecessary hurdle. But then also, once the money's
(26:06):
on that gift card, sorry, it's already on the gift
card card at Starbucks. So maybe it's pushing you in
the right direction exactly.
Speaker 4 (26:15):
Ray, have we got a juicy this week?
Speaker 2 (26:17):
We actually do. And I'm just I'm so looking forward
to hearing your thoughts on this, because Jess, when we're
in the US, we struggled so much with what do
you tip? How do you tip? What does this mean?
How do we calculate it?
Speaker 1 (26:28):
All?
Speaker 6 (26:28):
Right?
Speaker 2 (26:28):
Sit down. Hey, she's on the money, just writing into
be a bit pervy on where everyone sits on tipping,
So excited, thank you for writing in. I went out
for lunch with friends over the weekend. One friend totalled
everyone's share on an even split, and another chimed in
to check if we leave a tip. I'd actually been
talking to her earlier about how I don't think the
(26:48):
service was great, so tipping was not even on my radar,
and honestly I didn't think that they deserved one. When
it came to pay, we split it on the card machine,
so no group tip, but the terminal asked percentage to leave.
She tapped ten percent, and I suddenly felt so awkward
when I selected zero percent with the waiter's standing right
behind me. In that moment, it felt like performative generosity
(27:10):
and tipping just to look good. Is tipping ever a
thing in Australia? Or are we all just scared a
looking stingy?
Speaker 4 (27:19):
I personally, and this is not very popular opinion, but
if tipping was a thing, it would for me personally,
wouldn't be based on customer service, because I'm like, someone's
probably haven't. Maybe someone on a bad day or maybe
they're just like, customer service is not their passion. I
don't want them to be like, because I know the
mental energy spent when you are, like, you've got to
maintain a certain level of energy and enthusiasm when you're like,
(27:40):
oh my god, I'm so tired. So I'm like, I
don't care how bad the customer service was. If it
was a thing, I would be tipping no matter what.
But anyway, that's beside the point. I guess I'm for tipping,
but I don't know that it goes to the person
who served you, Like we're not going to Australia, there's
no no dry like if you tip an add it
on at the f POS machine, like, does it just
(28:02):
get divided among every single staff member and therefore nigate
the fact that you wanted it to.
Speaker 2 (28:08):
Go to that waiter or does it just go to
the house Because I have literally heard of people being like,
oh yeah, if we got tipped, like they said it
was unfair because like Jess got a tip that Beck
worked in the kitchen, so therefore she didn't so they
just kept it.
Speaker 4 (28:21):
Like yeah, that's the other risky thing is that like
you know, yeah, if you're tipping one person and it
just kind of feels like I don't really like that
kind of thing because you're like, what if someone gets
one hundred bucks for the night, someone gets three hundred
dollars for the night. You know it's a bit. But
I think because we have like you know, award wages,
everyone's paid a minimum you know there should be and
(28:41):
then anything above that amazing. But I think that we
don't need to tip.
Speaker 2 (28:47):
Have you ever tipped? Like is that something I do? Tip?
I have tipped, So, like, in what circumstance would you go, Oh,
I really want to leave a tip because I feel
like it's not like in Australia, we're not obligated in
the same way that in a mirror car tips make
up a very big portion of their income. R. So
when are you like, I'm gonna leave a cheeky little tip.
Speaker 4 (29:06):
Well, first of all, it's if I have cash, I mean,
because I want to give it to the person. Yeah,
I don't want it to go to just whoever, likeah,
not that no one else is worthy, but like I
don't know where.
Speaker 2 (29:15):
It's going, and that's that's the relationship I had with you.
Speaker 1 (29:18):
Yeah.
Speaker 4 (29:18):
And then also if I'm if I'm in a position
where I have a lot of like disposable income that
week for whatever reason, and all you've got to.
Speaker 2 (29:25):
Get back on pay week, and you got to get
me on pay week.
Speaker 4 (29:28):
And I don't really go out to eat often at
like fancy places. But yeah, I think it's it's got
to be all those three things together that work perfectly.
I'm like, yeah, I'm gonna tip, but yeah, I just
I just think because I've always been one that's like
going out is so expensive for me, and it's like
I haven't worked into my budget tipping someone. I just
I guess I just don't do it. But it's I mean,
(29:50):
it's not a bad thing, and I don't honestly like
the person who's at the register, the waiter, whoever that's
watching is why are they.
Speaker 2 (29:57):
Watching though, Because like you press the button hit ten
percent at the same time that you're putting your pin
code in. I feel like that's weird. They shouldn't be watching.
That's not okay.
Speaker 4 (30:06):
I wouldn't worry, but yeah, the I totally like the
virtue signally side of things where it's like, oh, someone's
obviously being performative.
Speaker 2 (30:13):
I guess I would just like, if you feel so.
Speaker 4 (30:16):
Inclined and if you have the money, you do it.
I just don't. I don't think we need to do here.
I don't know, I could be wrong, but I don't
think we need to do here. That's what I've been taught.
Speaker 5 (30:24):
No, you're totally right, because it exists in the US
because the minimum wage is so low. So the US
minimum wage for service is like two dollars an hour.
So tipping is.
Speaker 2 (30:31):
Depending on states. So people might jump down our throats
because like some have that, but like, but historically most
of their income is their tips, not their base salary.
Speaker 5 (30:40):
Correct, So tipping is non negotiable. Over there, there's like you,
I think it's like fifteen percent is like a standard
tip because you're paying their wage effectively, wherea.
Speaker 2 (30:50):
Which I find crazy as a structure for society.
Speaker 4 (30:52):
I shouldn't be anyway here or there.
Speaker 2 (30:55):
And they joint include tax at the price. Remember when
we'd go to like check out, it's aphora and then
then I add text and I'd be like, it's go
user me.
Speaker 5 (31:02):
Genuinely, nothing over there makes any sense. But yeah, so
here we have a really good minimum wage. It's not
a requirement as someone who used to work in the
service industry. I worked as a waitress for like five
or six years. It was never an expectation.
Speaker 2 (31:14):
It was always it was always like a sweet tree,
like correct, like.
Speaker 4 (31:16):
If someone tipped you, it was really lovely.
Speaker 5 (31:18):
It was very exciting, especially because I was in my
late teens early twenties, so it's like, oh my god,
twenty bucks.
Speaker 2 (31:23):
This is amazing.
Speaker 5 (31:24):
But you know, it was never an expectation when people
two to me. Back in the day, we also didn't
have the f pos tips. I don't think like it
purely was a cure.
Speaker 2 (31:33):
I've never existed in that.
Speaker 5 (31:35):
It was always showing my age, But I think my
experience predates that. I don't love it because it does,
as you said, feel quite awkward with the person standing there.
But I just try and remind myself. I don't know
if the culture has changed since I worked in the industry,
but like when I was a waitress, it was never
an expectation. I'm being paid to be here, Like my
(31:55):
job is paying me. That's what I'm here for. If
you chip me, that's awesome. You know, it means I
did a great job. And as a consumer, that's when
I will tip if I have weight, stuff that I
feel like really went above and beyond, if they helped
me change orders, or like if something goes wrong, you know,
if I'm with a kid and the kid makes a
mess or you know, something like that. I think it's
like a nice way to show appreciation and gratitude. Yeah,
(32:18):
but it's not something that I will do every time either,
But yeah, I would be really interested to know what
everyone else thinks.
Speaker 4 (32:24):
But what do you think? Because you're also served well.
Speaker 2 (32:27):
I worked in hospitality for like a good ten years,
Like it was my first job. I was in hospitality
and then growing up on the morning to potential that
basically all you can do is hospow. So I did
a lot of different roles from working at a nice
cream shop to like a cafe on the main strip
to working at a number of different wineries. I do
everything from like front of house serving like being a waitress,
(32:47):
to events and being a barista and stuff and Familiarah. Yeah,
I am a trained similia, which is very cool. It's like,
you know, the person that makes a wine recommendations and
like opens the wine. I got the like little badge
that had the great on it. Anyway, very cool, cool
and part of my part of my story when you
talk about it later, I can help you pick a wine.
But at each venue, I remember the tips being treated
(33:10):
very differently. Like one of the wineries that I worked at,
it was kind of like frowned upon. If you were
given a tip to not put it in the tip jar,
and then it would get and I thought this was
quite fair. It would get divided among all of the
stuff that were on that shift, so including the kitchen
staff and the people that were behind the bar, because
more often than not just the waitresses were getting tipped,
and it was like a pretty fancy establishment, so it
(33:31):
wasn't abnormal to work at this restaurant and have most
tables give you a twenty dollar tip, which was always lovely,
But then some people would actually ask me, like what
happens to your tips? And I'd be like, oh, we
share it, and like they would change how much they
tipped because they kind of wanted it to just go
to me, or they'd be like, oh, but what if
I give you cash on the side, And it always
felt awkward. The same thing happened once I moved to
(33:53):
the city and I worked at a number of different
restaurants in the city, some high end, some just like
standard restaurants, some split them. I remember one of the
restaurants I worked out kept all of the tips and
it was like a point of contention because some of
the waitresses who were given cash would just like pocket
it and not talk about it, and we all knew
it was happening, but like you would just not say
anything because the owners were so greedy. It just depends.
(34:16):
But again it was never expected. But like at a
number of places that I did work, like, you knew
the table, like low key, you knew the tables that
looked like they were going to tip, and you would
definitely like bendover backwards. It was kind of like for
me a game, like a game to be like, oh,
I wonder if I could work out how to get
a tip out of these guys were going above and beyond,
which is probably not the best way to approach things.
(34:37):
But like I was young and having a lot of fun.
But when I now tip as a consumer and I'm
at a restaurant, it's because I've really enjoyed the service
or that person's experience, and sometimes I do ask, I
go like, oh, if I tip, does it go to
you and they go, oh, yeah, it does or whatever. Anyway,
that's nice. But I've never felt like when I'm checking
out at the FPOs machine that they're watching in the
(35:00):
ten percent that I put on, like I'm sorry, you
did your job in the nicest possible way. We're in
the middle of a cost of living crisis, and yes,
I am very privileged to have a lot of financial freedom,
but that doesn't mean that I go, yeah, I'd love
to pay ten percent more for this meal, like unless
I feel like it is really warranted and valid and
(35:20):
I feel like I'm doing something good. But this community
member that wrote in, she literally said, I don't feel
like they deserve a tip.
Speaker 4 (35:26):
Yeah, if the service wasn't good.
Speaker 2 (35:28):
Kids zero, you're still paying your bill, right, that's a
good deal. So I don't think it's an issue. We
did ask the community. We said, guys, when do you tip?
One percent of you said every time, I'm not surprised,
fifty eight percent of you said never, thirty seven percent
only tip when the service is good, and four percent
said only when I feel peer pressured to do so.
You should feel peer pressured, No, absolutely not. Next question
(35:52):
we said was, how do you feel about payment machines
and ordering apps asking for tips. Do you know what
that annoys me? I'm sorry, Uber, I love you, but
why am I tipping my driver for being forty minutes late?
Speaker 4 (36:01):
I know what I was gonna say before the drivers.
That's different Uber ubers.
Speaker 2 (36:06):
If you're like forty minutes late and then you left
it at the front of my house, not at my door,
didn't knock on my door, and then I still get
the push notification to be like, do you want to
tip your driver? I'm like, literally no, my food was
cold and at risk of being stolen.
Speaker 4 (36:20):
If it's really shit weather, I usually tip my uber
It's drive the hail the story.
Speaker 2 (36:27):
Anyway, how do you feel about that? Fifty seven percent
of you said we hate it, tipping is an Aussie culture,
twenty one percent said it's awkward. I feel pressured, another
twenty one percent said I don't mind. It's still my choice,
and one percent said I like it. It makes it
easy to support stuff. It's really sweet. And then we
went to the community said guys, what's your two cents?
Someone said it's awkward for companies to ask for a
(36:48):
tip when you order vira QR code with no service.
Speaker 4 (36:52):
I do agree with that.
Speaker 2 (36:53):
Yeah, they also asked for the dip before the food
comes because you're like checking out at that time. That's true.
I do find that interesting. Weird. Someone said I'd be
more upset with splitting the bill equally.
Speaker 4 (37:03):
I mean, that's a great take.
Speaker 2 (37:05):
I think that's so funny. Next person said, the weight
stuff won't remember you by the end of the shift.
It's not that deep. I promise, oh I would remember, oh,
remember you. The next person said, when tipping via machine,
I'm not even sure whether it's going to tip the
staff or the restaurant.
Speaker 4 (37:21):
Well, that's yeah. When it's an f POS, you really
have no idea.
Speaker 2 (37:23):
Yeah, that's the thing. Someone else said, I really wish
card payments had an option to just like round up
for a tip, kind of like keep the change.
Speaker 4 (37:31):
Yeah, because that's what you do with cash all at
a time too.
Speaker 2 (37:33):
Is Yeah, like whatever's eighteen bucks, I'll keep the change.
Next person said, tip on the machine is so sneaky.
My friend accidentally put her pinn as the tip once.
Speaker 4 (37:43):
No, I will die. It was like a zero zero zero,
like starts with a zero. Yeah.
Speaker 2 (37:52):
The next person said, I love tipping when someone's gone
above and beyond tipping being expected, though absolutely not. Next
person said, ever, everything is already so expensive at the moment,
adding a tip feels like a kick in the guts.
And last one I'm going to share is it's okay
to own your no and I love amen now is
a full sentence, baby, exactly all right. That is probably
(38:14):
a very good place to leave it. Guys, it has
been a good week. I have enjoyed hanging out with
you all. We'll see you brighten early on Monday for
Money Diary, but till then, have a beautiful weekend.
Speaker 4 (38:24):
Bye, guys.
Speaker 2 (38:25):
Bye. 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.
Speaker 3 (38:47):
Read the PDS TMD and obtain appropriate financial.
Speaker 2 (38:50):
Advice tailored towards your needs.
Speaker 3 (38:53):
Victoria Divine and She's on the Money are authorized representatives
of Money sheper Pty ltd ABN three two one is
six four nine two seven seven zero eight a f
s L four five one two eight nine,
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