October 23, 2025 • 36 mins
Ever had a job so toxic it makes your morning coffee taste like dread? This week, a community member wrote in ready to walk... 60-hour weeks, zero recognition, and a boss who extended her probation “just because.” She’s got a mortgage, $20K in savings, and one big question: is it smart or reckless to quit with nothing lined up? It’s a debate every burnt-out queen needs to hear... equal parts therapy and tough love. We're also tackling what to do when you can't get insurance. Victoria breaks down your options, the little-known loopholes, and why getting cover early is the real adult flex. Because it’s not the end of the week until we’ve shared a few money wins, a broke tip, and at least one questionable life choice.
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Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements.
The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay
In Mbina yakarum jar Dominyama, Domagahawakaman, damon Imlan Wumba bang
Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,
(00:22):
beautiful friends, we gather on the lands of the Aboriginal people.
We thank I acknowledge and respect the Aberiginal people's land
that we're gathering on today. Take pleasure in all the
land and respect all that you see. She's on the
Money podcast acknowledges culture, country, community and connections, bringing you
the tools, knowledge and resources for you to thrive.
Speaker 2 (00:45):
She's on the Money. She's on the Money.
Speaker 3 (01:07):
Hello and welcome to She's on the Money, the podcast
that makes personal finance fun.
Speaker 2 (01:12):
Especially on Fridays. It is our favorite day of the
week because we.
Speaker 3 (01:16):
Get our team together and it is our whole like
Little Friday's team, and we get to celebrate you the
incredible She's on the Money community. Miss Jess Gricci she's here.
She's sharing our favorite money wins. Miss Becksayed is back
from her gallivanting around Thailand, and we'll be sharing her
broke tips and we're going to be helping to answer
a money dilemma, which this week is asking what to
(01:39):
do when you can't get the insurance you want and
something that you lead into our dms about whether you
should leave your toxic workplace before you have another job
lined up. How have your week's been thus far?
Speaker 4 (01:52):
Mine's been good, if you can tell. I am coming
off the back of being sick, so I am thrilled
to be up. But it is quite bad because my
boyfriend got sick. First, he got me sick, and I
was like, ah, the man flew. And then I got
a really nocked for six and he was like, oh
the man flew. So yeah, man flu, you get man flu,
don't eat. Karma came for me, as did the man flu.
(02:12):
But I'm feeling back and better than ever. I'm just
a little bit a little croky still, So sorry annoying, No,
you sound great.
Speaker 2 (02:19):
Annoying.
Speaker 3 (02:20):
In fact, I don't think anyone will be able to
tell you just pointed it out because you're probably self
conscious absolutely. Yeah, you sound absolutely fine.
Speaker 2 (02:27):
And missfecs that nice. Yes, she's that. I'm back.
Speaker 5 (02:32):
I had a gorgeous time. We were seeing Bangkok and
I hadn't been there before, so it was just so fun.
And I went like I went to Japan last year
and I was like, oh, nothing, we top that. But
then Bangkok honestly really came close. It's really really fun,
great food. There wasn't even a nano second where I
was hungry. I just did not stop eating. I didn't
let myself be hungry, you know. So I feel like
(02:54):
you might notice I'm a little bit chunkier.
Speaker 2 (02:56):
I did not notice.
Speaker 3 (02:57):
And I don't think that that's an accurate depiction of
how you've come home. I'm glowing and happy and ready
to take on the world.
Speaker 2 (03:03):
They're so nice. Thank if you do.
Speaker 6 (03:05):
And on that.
Speaker 2 (03:06):
How is Yuie?
Speaker 3 (03:06):
Oh honestly been live, love loving my way through October life.
I just I'm getting a bit tired.
Speaker 2 (03:14):
I'm not going to lie.
Speaker 3 (03:15):
I just feel like we have had a lot on
We've been doing a lot, working a lot. It feels
like Christmas is creeping up. I mean we've just been
recording some Christmas episodes and that feels honestly exciting because
like Jess loves Christmas.
Speaker 2 (03:28):
We're all festive girl is.
Speaker 3 (03:29):
But you know when you're like, oh, this is just
all happening too quick. What do you mean didn't twenty
twenty five just start? So I'm feeling a little bit
like and this is so silly. I feel like we
all go through this, this feeling of have I done
everything that I said I wanted to do this year?
And then I'm like no, oh my god, like what
have I got to finish? Which is so silly, so silly,
it's silly. It just feels like the years catching up. Yeah,
(03:50):
I totally get it, all right, would you hypothetically like,
get this, it's going to shock you.
Speaker 2 (03:56):
A five star review?
Speaker 3 (03:57):
Yeah, you didn't see that happen, But Renee Louise ninety
four did. She sent us a five star review via
Apple and it was entitled Empowered, and I was like, well,
this is the one for this week. Hi, she's on
the money. I've been listening to your podcast every day
now for the past month or two, and it's so
good to learn about money that is easy to understand.
(04:20):
We have done something similar a few years ago through
someone else and we were able to pay for our wedding,
pay off our credit card loans and other debts, have
savings and it was really good until I had medical
issues and had our daughter two and a half years ago.
As life goes on, we fell into a little bit
of debt again and we've gone back to some bad habits.
But after friends telling us about you guys and how
(04:43):
simple and easy you make it, I've just joined shares
this signed up to your money course and I've been
mapping out the next twelve to twenty four months, which
is so exciting. I feel motivated and happy to be
back on track.
Speaker 2 (04:54):
Thank you. I really needed this. That's amazing, so cute,
that's lovely.
Speaker 4 (05:02):
It just shows life is in seasons, and you know,
sometimes you're going great, sometimes you're going on as well
as you want, and it's okay totally.
Speaker 2 (05:08):
Do you know what else? I thought?
Speaker 3 (05:09):
And this is like maybe just me being a little
bit special, a little bit adhd, a little bit side questy.
Her name was renee Louise ninety four, and I was like,
that's such a ninety four middle name, Like my sister's
middle name is Louise. Every second person I know that
was born in nineteen ninety four, has a middle name Louise.
Speaker 4 (05:26):
Just happens, true, just happens. One of my this is
so random. One of my most favorite teachers in primary school.
Her name was renee Louise oh renee Louise Cunningham. I
think it was her surname, but I think she got
married in a changed I can't remember.
Speaker 2 (05:38):
But she was your favorite.
Speaker 4 (05:40):
She was literally isn't it so funny how your favorite
teacher is like stick? Like I bet if I said
to who's your favorite teacher?
Speaker 2 (05:45):
You guys, I got I remember. Oh yeah, it's mister
Simmons from grave Ve. You go, I have a least
favorite teacher.
Speaker 3 (05:50):
His name's Matt Simmons. By the way, I think everybody
loved Dimbo. You know those teachers that like just were
everybody's favorite teacher.
Speaker 2 (05:56):
Yeah, I reckon life by who missus derwent.
Speaker 5 (06:01):
She was really mean to me and my brother, and
I don't want to play the card, but I think
it's because we're both Indian looking, but we're not Indian.
Speaker 2 (06:08):
We're Bangladeshi. Actually it was about to say, you're not
even Indian, I know.
Speaker 5 (06:12):
But she's still I think she thought that and she
didn't like us, so she was maybe a little bit racist.
She's on my hate list, not in being Indian, you know,
we were all India at one point, but she just
had like a real distaste for this.
Speaker 2 (06:23):
Like I don't like her either.
Speaker 3 (06:24):
I feel like there are like two types of people
in this world, and I'm type B. I think Jess
is also type B. Don't know, I think that you.
Speaker 2 (06:31):
I don't know.
Speaker 3 (06:32):
There are those people that would have been like, oh, well,
she was actually a really nice teacher. She didn't do
anything to me. She was so nice, And then there
are type B people where I'm like, we riode at Dawn.
Speaker 2 (06:43):
Yeah, she was nice to me. She did what to you?
That's so nice?
Speaker 7 (06:47):
Oh my god.
Speaker 2 (06:48):
So she's on my cancel list as well. Thank you,
thank you you waiting thirty years I've been waiting to
put her on your list.
Speaker 3 (07:01):
Let's jump back into the show. No more side quests
and it's just greachie. Can you share your favorite money
with absolutely?
Speaker 2 (07:07):
I can.
Speaker 1 (07:08):
So.
Speaker 4 (07:08):
Firstly, this week I've got a money win from Ann
who said I returned to shampoo to Mecca that was
causing me to have an itchy scalp, and.
Speaker 2 (07:15):
I got a refund.
Speaker 4 (07:16):
Oh good, Just to remind everyone, Mecha, lets you do that, like,
you can test it if it's not for you. I
believe there are some t's and z's check the tz's,
but you can take things back, which I think is great.
Speaker 2 (07:24):
But also it's so expensive these days.
Speaker 3 (07:27):
And if you were like I'm going to buy a
shampoo at Mecca, like you're putting some pretty cold hard
cash up front. Absolutely, so good on you for standing
your values, because I'm not gonna lie. I would feel
awkward and put it in the back of my cupboard
and forget.
Speaker 2 (07:40):
I owned it. Absolutely.
Speaker 4 (07:42):
Next I've got a money in it from Amy, who
said she needed to buy all new plants on the
weekend as she was re landscaping her front yard. It
was going to be around four hundred dollars of plants
from Bunnings or the local nursery.
Speaker 2 (07:52):
But then she found a.
Speaker 4 (07:53):
Guy a marketplace get a little plant business from his garden,
and she bought most of the plants she needed for
two hundred and twenty dollars.
Speaker 2 (07:59):
Also, that's really cute supporting to all business. It's how fun.
Speaker 4 (08:03):
Next week, money went from Caitlind, who said money Win
had a successful no spend week. All I bought was
groceries and breakfast out with a friend. Well done, well done.
It's hard, you know what.
Speaker 2 (08:12):
It's small, but it's hard.
Speaker 4 (08:14):
And then I've got a money win this week from Tracy,
who took a leave out of bextbook and said she
changed her Netflix from a standard plan to the cheapest.
Speaker 2 (08:21):
Yes, you're a reminder. Ads are not that bad.
Speaker 3 (08:23):
I like what we're willing to compromise on, because if
I'd asked you that two years ago, you'd be like,
absolutely not.
Speaker 2 (08:28):
You know, you're like, as on that bad. They're pretty nice,
you know what.
Speaker 4 (08:31):
I'm hard up enough that I've taken out here at
the absolutely and honestly they don't come up often.
Speaker 2 (08:36):
Yeah, times are changing that absolutely feto. We'll be watching
free to air TV so with a bad time.
Speaker 4 (08:43):
Next, I've got a money win from Grace, who said
her new office building runs free fitness classes. She signed
up for her first pilates class on Tuesday morning.
Speaker 2 (08:51):
Also, sorry, free pilates.
Speaker 3 (08:54):
I thought you were thinking like it would just be
like the Les Mills old school fitness lass, so maybe
you weren't that interested in that's school.
Speaker 4 (09:01):
That's a good office perk. I would say, whoever's office
is doing that, absolutely.
Speaker 2 (09:06):
Signed me up.
Speaker 4 (09:06):
And then lastly, this week, I've got a money win
from Rebecca who said counsel withdrew two parking fines because
she received them while their baby was in the nicqueue.
Oh god, it is not nice.
Speaker 2 (09:17):
Good people.
Speaker 4 (09:18):
Iby is okay, me too, and the saves are around
three hundred dollars. So money win for the pocket, hopefully
a life win for you guys because a bit of
stress gone and hopefully Bubba's doing okay.
Speaker 2 (09:27):
Yes, well that's a good place to leave it.
Speaker 3 (09:29):
Yeah, thank you, I love it, Miss Beck say ed, yes,
have you come back raging with some good broke tips
because I have had to carry this.
Speaker 2 (09:37):
I don't want you to listen to the episodes, though,
so I should. I did my best, and sometimes you
know what your best is just not good enough. And
that's okay. But I think Beck would tell me it
was a good job, even if it was terrible job.
Speaker 6 (09:49):
Yeah.
Speaker 5 (09:49):
I haven't listened, but I'm sure you did do a
good job. But I will be listening and I will
be critiquing.
Speaker 2 (09:53):
Can we toxically supportive?
Speaker 3 (09:55):
That's so nice of coll like Beck could come into
this office and be like, man, I just hit someone
with my and I'd be like, babe, why were they
in front of your car?
Speaker 2 (10:02):
Exactly? But I was on the path, the footpath. Yeah,
well why were they? Why were they there? Begs like
oh I failed to test, and I'd be like, oh
my god, why did they make it so hard?
Speaker 4 (10:11):
Rude?
Speaker 2 (10:12):
I really appreciate that, Okay, Jess.
Speaker 5 (10:15):
I was a bit cheeky this week and I was
scrolling through the money wins color, but some of them
were really good, and so I just wanted to share that.
This first one comes from La, who says she was
unwell earlier this year. I do apologies. I hope you're okay.
She had to travel to and from Melbourne for treatment
quite a number of times. But there is a Victorian
Patient Travel Assistance Scheme VPTAS, so just rolls off the
(10:39):
tongue which provides some financial assistance for patients who have
to travel more than one hundred committers to access treatment.
Speaker 2 (10:45):
I did not know about this, that's right that and
I'm glad that the community does now. Absolutely so.
Speaker 5 (10:50):
I guess it's really also great for regional people because
I'm sure we have to come to and from Melbourne
every now and then.
Speaker 2 (10:55):
And so the processing times are not super quick.
Speaker 5 (10:58):
But she finally received the money and put us into savings,
which I think is great. It's kind of nice when
you can afford at the moment you know it's coming back,
and then it kind of just comes back when you
don't expect it.
Speaker 2 (11:06):
Yeah, I'm like, oh my god, a bit of free money.
Speaker 5 (11:09):
So it's the Victorian Patient Travel Assistance Scheme.
Speaker 2 (11:12):
I love p t as Ye, you're right it does.
Speaker 5 (11:19):
And this next, but also I do hope you're feeling
a lot better now, Ella. And so then I dipped
into my own thread, I say, little thread. This one
comes from Katie, who says I don't have a Seati
mobile or home internet plan. Instead I buy start simpacks
at woolorves or calls when they go on sale, usually
about nine to thirteen dollars for twenty eight days with
(11:40):
unlimited international calling. As I've got family overseas, as long
as I trade between providers every month, I can keep
the same number. It's a tiny bit cumbersome, but very cheap.
Speaker 2 (11:50):
That is cheap.
Speaker 5 (11:51):
That's nine dollars, say, for example, for a month. That's
your home and mobile because you just hotspot everything.
Speaker 3 (11:57):
Yeah, and if you're willing to do the admin, that's
actually a really good money we need crazy Sorry, that's
so good. Oh do you know what I'm willing to do?
The admins sometimes to say unlimited you could run an empire.
Speaker 5 (12:11):
Seriously, that's actually fantastic. My phone is ninety nine and
in today is seventy. So if you get rid of those,
Oh my god, that's genie.
Speaker 2 (12:20):
Ninety nine dollars a month for your phone?
Speaker 3 (12:21):
Is it like your phone and your phone bill like
the handset? Okay, all right, that's all reasonable. What do
you pay for your phone every month?
Speaker 2 (12:29):
Jess? Thirty five dollars? Yes, same Aldi, No, no, Optis.
I'm with a voter phone. We do an annual team everyone.
Speaker 4 (12:37):
If we did it once and then every yes, one goes,
hey guy, it's been about a check again.
Speaker 2 (12:41):
Call your provider.
Speaker 6 (12:42):
Get on the chat.
Speaker 2 (12:43):
One day we were all literally, yeah, we were all
in the office. We weren't doing work. We were all
talking to like Optius chat, like Telstra chat. One of us.
I was on the voteraphone chat at that time, and
I was like, no, no, no, sorry, my friend is
actually talking to OPTAs she just got thirty five dollars.
I want thirty five.
Speaker 3 (13:01):
They're desperate to keep you, yea, as they should be,
as they should be, because I'll leave.
Speaker 2 (13:06):
It's not that deep for me.
Speaker 3 (13:07):
Loyalty runs very shallow in my Yeah. Yeah, nine dollars
is great, that's incredible. My broke tip's quite topical right.
Speaker 5 (13:19):
Now for me personally, because I just came from an island.
So this is for people traveling to Southeast Asia. There
is currently a clinical trial happening called Understanding the Causes
of Diary in Australia in Australian adult tourists traveling to
Southeast Asia, which I think we all have been very
curious about.
Speaker 1 (13:37):
Do you know what?
Speaker 3 (13:38):
A while ago I went to Bali and I posted
on my Instagram that I have never gotten Ballei belly
and still have never gotten Balley belly because I believe
you have to have one full fat coke every single
day because in my head, this is a complete side quest. Again,
I do apologize, Beck, I'm feeling very extra DHD spicy today, okay,
(14:01):
because in my head, if you put coins into a
cup with some coke, it like fully strips them gets
rid of all of the rust.
Speaker 2 (14:11):
I think it does that to my insides, but with
the bugs. Not a word of a lie.
Speaker 4 (14:15):
I went to a doctor once and they said, have
you tried having like I am not made I know
that sounds made up.
Speaker 2 (14:21):
It's not made up any I think it was something.
Speaker 3 (14:24):
So my sister gets migraines and her doctor tells her
every single time one can of full fat coke as
like a pre empty of Like, you know, it doesn't
save her, but it does make things a lot easier.
Speaker 2 (14:35):
Really, why not coke zero?
Speaker 3 (14:37):
I think you need the mix of the carbonation, the
caffeination and the sugar. Okay, I think it's like, I
don't know. I'm not a doctor.
Speaker 2 (14:44):
I am a hypothesist. I feel like we'rening fake news.
Speaker 4 (14:50):
To me.
Speaker 2 (14:51):
Fake news. But you know what did I get? BALI belly?
Tell me more about your diarrhea story?
Speaker 4 (14:56):
True?
Speaker 5 (14:56):
That's so true, and also a placebo even if it does,
this does call plus Potentially it is just as effective.
Speaker 2 (15:03):
You know, I'm going to start selling jelly beans that
help you save money. You never know, No, the brain
is powerful.
Speaker 3 (15:09):
Yeah, if you eat a jelly bean a day, you
can actually save like a thousand dollars a month's crazy.
Speaker 2 (15:14):
Yeah, buy my jelly beans? Yeah yeah yeah, tell us
a study.
Speaker 5 (15:17):
Sorry, tell me about So this is quite topical because
I just came back from Thaighland. So this is for
people traveling Southeast Asia. There is currently a clinical trial
happening called Understanding the Causes of Diary and Australian adult
tourists traveling Southeast Asia. You can sign up and you
get one hundred fifty dollars. Whether you get diary or not.
You do have to give a still sample though, which
(15:38):
is uncomfortable. But whether or not you get diarrhea, you
will be receiving one hundred fifty dollars if you sign
up and get chosen, is the main thing.
Speaker 2 (15:48):
That's a perfectly good way to make money. Oh no,
and she's been sitting time, just like the toilet. If
you've got you can soon. I've got a few more
than a I'm scared, all right. Well that's the bottom
end of this side.
Speaker 7 (16:09):
So we're gonna go to a really quick break and
on the flip side, we're gonna be answering a more
vanilla money dilemma, which asks what do you do when
you can't get insurance that you want to have.
Speaker 2 (16:21):
And something that you slid into.
Speaker 3 (16:23):
Our dms about whether you should leave your toxic workplace
before you've solidified another job and lined that up, so
guys don't go anywhere.
Speaker 2 (16:35):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 6 (16:41):
Hi. There, have you got a money dilemma you just
can't solve? The Sheese 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.
Speaker 2 (16:59):
Now, let's take a listen to this week's money dilemma.
Speaker 8 (17:04):
Hi, She's on the Money. I absolutely love the pot
on everything with the community, especially for women. My question
is about life insurance TPDIP, death cover, etc. Unfortunately, due
to a myriad of health conditions, I'm ineligible for life insurance,
including through my super Even though I don't expect insurance
to cover my pre existing conditions, I understand it's part
of the underwriter's job. However, do you have any tips
(17:26):
to what I can do to prepare myself otherwise. Obviously
having an emergency fund is super important, but it's never
going to give me the same protection as life insurance
in terms of the actual amount of money. Is this
just bad luck? Or is there another way I can
future proof myself?
Speaker 2 (17:38):
Thank you? All right? Just first, cab off the rank.
Speaker 3 (17:40):
I'm sorry, I don't know if this person has seen
a financial advisor or not, but that would be my
first port of call. You guys know that I will
harp on day and night about sky Wealth. They are
literally my financial advisors when it comes to insurance. Jess,
I'm pretty sure you're with them. Yeah, I'm pretty sure.
Like a producer, like everybody in our team has gone
through sky Wealth to do their insurance is just because
(18:02):
they do good. They know literally everything about it, and
we feel really confident. So I would go and talk
to their team, because if you've been declined just by
one insurer, you can talk about you know what other
insurers could I potentially go with? You know, she might
have actually gone and talked to Phil literally one on one,
and he said, look, we can't insure you. I just
(18:23):
don't know the semantics of this situation, but often you
could potentially talk to a different insurer that will either
exclude your pre existing conditions or get you to pay
a loading on your insurance so you pay more insurance
to still solidify it. And I would be having those conversations,
so it's not completely ruled out if you aren't able
(18:43):
to solidify insurance at all. And there are some people
that can't get insurance. So whether it is pre existing
conditions or you have certain occupations. Did you know that
some pilots can't get life insurance, Oh, because of the
risk of there's too much risk. Flight controllers also have
a lot of issue with it, even though they're that's
what I used to say crazy, but I ended up
(19:05):
with a lot of clients who are traffic flight controllers
right anyway, So there are a lot of people who
might not be able to get it. And at that
point you are trying to obviously future proof your finances
in a way that you still again she mentioned it
like having an emergency fund. That would be the number
one thing that I focus on. What other insurances could
(19:27):
you get that support you? So, yes, you haven't been
able to get the life insurance, but what about total
and permanent disability? Or TPD. What about income protection? What
about trauma insurance? Do you have any of those accessible?
Like what's that going to look like? Also making sure
that if you're in a couple, your partner is inshure
WOD well, just because you can't get it doesn't mean
(19:47):
they shouldn't be going in and exploring it. Like there's
just there's a few things that you can do. And
I'm really sorry that that's the case, but that is
honestly the reality for some people where you just can't
solidify it. And I'm not saying that's okay. I think
it really sucks. It actually often is the people that
need it so so so much. Yeah, but get advice
(20:08):
and get good advice. But if you are speaking to
a financial advisor and they have said I'm so sorry,
miss jessic Ricci can't ensure you, they will give you
a plan of what else you should be doing to
protect yourself. So it's not That's why I'm kind of like,
so did you get advice, because any good financial advisor
would be like, I'm so sorry, I can't insure you
(20:29):
for this, but this is our fallback plan.
Speaker 2 (20:31):
This is what you should be doing.
Speaker 3 (20:32):
I would love to see you save x amount per month,
or your emergency fund needs to be this percentage more
than normal people's or whatever. So that's why I was
kind of effy about whether they've gotten advice, because any
good advisor would never leave their client hind dry.
Speaker 2 (20:45):
They wouldn't be like, sorry, can't get it.
Speaker 5 (20:47):
Have a good day by Like yeah, I would say,
like if it is the case that you can't get
any at all, then I mean, I think Victoria would say,
don't put your money where you can't act says it immediately,
like investments would say.
Speaker 1 (21:02):
That, yeah.
Speaker 3 (21:02):
I would say that, yeah, your emergency fund should never
never be invested.
Speaker 2 (21:05):
Put it in savings.
Speaker 5 (21:06):
And then also I would say, like you know, as
if you can savings and then also maybe like super
and maybe a little bit investments if you can afford
to have like multiple sources of financially securing. Yeah, And
then I would also just like be really up to
date with like sendlink and ndis and all these kind
(21:26):
of things, like just in case, because it's.
Speaker 2 (21:30):
Really sucks when you touchwood.
Speaker 5 (21:31):
If you were to get to a place where you're like, oh,
I don't have any InCom and I can't get any
income and I also don't have insurance, and then you're like, okay, well,
let's see what sendlink has.
Speaker 2 (21:39):
It's so overwhelming at that point because.
Speaker 5 (21:41):
It's like, I mean, I don't know about everyone else,
but I find it so hard to like read and
take in what's on the Gay Too website.
Speaker 2 (21:47):
I'm really grateful that it's there. I'm really grateful we
have these. I love reading that website. Perfect. That's perfect.
Speaker 5 (21:53):
But I would say look up beforehand as well, because
even if you were like, Okay, well, if worse came
to worst, Touchwood, I could get five hundre dollars a
week or five dollars a fort nite, whatever, then at
least you can start preparing your budget for that amount
if anything were to happen. You can start preparing for
what you can get in the future if you were
to ever need it. And then you can also figure
(22:14):
out where the hell the forms are, what the hell
you do with the forms?
Speaker 2 (22:17):
What do I need? I need by a scan of
my idea or something I don't know, So it's really
good to just have that at the back of your mind.
I think you can need Also.
Speaker 3 (22:25):
While I'm thinking about it, the additional thing I would say,
is this is a really good flip in reminder to
get your insurances in place before you even think you
need them. Yes, because yes, you might have a pre
existing condition now. But there's and I don't know what
it is, it's none of my business, but there is
a very big likelihood if you are young and fit
and healthy, you think you don't need insurances, and that's
(22:47):
the point at which you need insurance the most, and
it is the most valuable to pick up because you
won't have any pre existing conditions.
Speaker 2 (22:54):
We see it often in our community.
Speaker 3 (22:55):
You know, you'll go and see an advisor and they'll
be like, so sorry, you had this health issue, or
you might have had a melanoma cutout, or you might
have had just literally anything happen. You used to play
netpul and you've got a bung knee and they just
won't cover these things. And you go, well, that's really
annoying because what if I do my other ACL I
won't be covered for that.
Speaker 2 (23:14):
And you'll be like, well, no, you won't be.
Speaker 3 (23:17):
So the younger you are, the more important it is
to solidify insurance while you can get it, because even
though abung knee or whatever you might go, they wouldn't
not ensure me. But you add that to a list
of pre existing conditions, like let's say you've got a
bung knee. You know, you had a heart issue at
some point, and you also have mental health. Insurers are
(23:37):
cracking down and they're not doing it to be awful
and mean, like they have underwriters whose job it is
to measure risk and go, okay, well, actually I don't
want to give Jess a policy because.
Speaker 2 (23:50):
She's very very likely to claim on it. And at
the end of the day, we're insurance, and yes, insurance
is there to.
Speaker 3 (23:57):
Protect you, but they are also betting people, and they're
betting that the people that they are ensuring hopefully don't claim,
so that their business stays profitable. And if they go
insure all these people who arguably need it and from
my perspective, deserve it and I want to have it
because it keeps their finances healthy. They're like, sorry, we'd
(24:17):
be paying out left, right and center and become a
non profitable company, and that's actually a really bad business.
Speaker 2 (24:22):
Decision for them.
Speaker 3 (24:23):
So it's more than personal, if that makes sense, And
I think you understanding that is also important as well,
because they've deemed you too high risk, but that doesn't
mean another company might not setting your lots of love.
Speaker 2 (24:34):
I hope that whatever you're dealing with is, you know,
not too hard.
Speaker 4 (24:37):
I know it can be a lot when you're trying
to get your finances and stuff in order and dealing
with all of those things as well.
Speaker 2 (24:41):
So where I was sending you good thoughts, lots of love.
But should we get into the juicy DM? All right, yes,
of course.
Speaker 3 (24:48):
So we've got a juicy DM, which I think is
it's not It's obviously juicy because it's about a toxic workplace,
but I also think it's a really relevant question, especially
at this point in time, so our community members help.
Speaker 2 (25:00):
I need some advice.
Speaker 3 (25:01):
I'm a pastry chef working sixty plus hours a week,
but I'm only paid for forty five, and overtime becomes
time in loo.
Speaker 2 (25:09):
As I'm on a salary. It's physically exhausting.
Speaker 3 (25:12):
The vibe is toxic, constant negative feedback like work harder,
do better, with nothing actually helpful being contributed to the conversation.
They swapped me to night shifts without extra pay and
extended my probation and said I'd be let go if
I didn't improve. I'm halfway through and haven't heard a word.
Since there are no jobs in my field where I live,
and I've had no luck in other industries. I've got
(25:35):
a mortgage and around twenty thousand dollars saved, and I'm
honestly just ready to walk with no job lined up.
Parts of me feel like I shouldn't waste my savings
just because I hate my job. That said, I don't
know how much longer I can take it. I'm just
after the community's input. Whether I'm being silly or smart
by putting me first, I'm.
Speaker 2 (25:55):
Really sorry that's happening to you.
Speaker 4 (25:56):
That sounds super stressful. I, as you know, guys know
quite risk adverse, I would say, especially with the mortgage
over your head, I would be walking. I really want
you to be able to prioritize your mental health, and
that's so important and so valid, But pragmatically speaking, your
emergency fund, your savings will only last you for so long.
It's a tough job market out there, and particularly because
(26:17):
you've just told me, you just said that there's no
jobs in your area, you're having a hard time. That
money will disappear more quickly than you think. And my
concern would be that the financial pressures of having to
pay a mortgage and not having money coming in could
also put I would argue the same level of strain
on you that you're already experiencing. Its kind of like
you'd be training one negative thing for another negative thing.
Speaker 2 (26:39):
I would be it sounds like you might be already
but actively looking for jobs.
Speaker 4 (26:44):
Also, speaking to fair work, I'm pretty sure depending on
your award and depending on what your previous pay rate was,
night shift generally means that you do need to be
paid a higher rate unless your previous rate was above award,
So I would be looking into that. If there's a union,
feel industry looking into that as well. Just making sure
that everything's above board, because a few of the things
you've said have kind of flagged to me that your
(27:05):
workplace might not be doing all the right things, So
you can give fair work call they exist for that
exact reason. Talk to them about your probation extension, talk
to them about the fact that you're not getting actionable feedback,
because that then also builds a historical chain of events,
so that if you were to be let go unfairly
or unfairly dismissed. You've got that evidence already supported and
(27:27):
noted within fair work, which I think is important. But yeah,
I know that that's probably not the answer that you're
looking for, and maybe I feel like beck might have
a different take on it.
Speaker 2 (27:37):
Thought I'll give you the answer. She looked like she
was ready for her thoughts. Yes, because this is my thing.
Speaker 5 (27:42):
As you guys know, I quit my job randomly to
do like literally four weeks at a job that I
wanted to do, and then I was.
Speaker 2 (27:48):
Unemployed, and which she's not unemployed, by the way. No,
I just I only just got a part time job.
Speaker 5 (27:54):
But what I'm saying is like, if you quit and
you don't have a job at the end of it,
you will never not make it work. I'm somehow made
it work. I still got rent money because I was like, oh,
I'm going to do this and this and this that
will just make rent money.
Speaker 2 (28:06):
You're very resourceful. Well, thank you so much. But I
do think that, like, I don't think you will.
Speaker 5 (28:12):
Have to worry about not having a job and not
being able to pay the bills, because I know that
would stress me out. I think it is so fun,
It is so exciting and there's something so chill about
being like, oh, I'm just I'm doing this little thing
that's temporary that I'm just doing because I need to
make money to pay the rent this month. It's like
when you have a full time job that you really hate,
(28:33):
you know what's paying the bills, but you're not like
you're not doing it to pay the bills. It's almost
like you're doing it because it's just part of your
life and you just hate it. But when you quit
your job and you're like, leave yourself a week or
two to just be unemployed, and then after that, don't
even if you can't find work in your field, then
do whatever the hell I've emailed recruiters and being like, hey,
I'm happy to do temp work. Sometimes that literally means
(28:55):
sitting at a desk with twenty other people who are
there to do temp work and literally uns stapling paper
and putting those papers in folders, and you do that
for eight hours a day, and it's like mind numbing.
You chuck your headphones in. You know that you're only
there so that you can make money. Everyone's only there
so they can make money. You don't have to put
on this whole like you know, when you go into
interviews and they're like, why do you.
Speaker 2 (29:14):
Want to work here?
Speaker 5 (29:14):
And you know it's because you want money, but you
have to be like, oh, I'm so passionate about I
don't know ice, creameres, you know, like.
Speaker 2 (29:21):
Random places that you're trying to get jobs at so
you make money. Don't do any of that.
Speaker 5 (29:24):
Just get temp jobs, just to like pickpacking, just get
a little kitchen hand job, whatever you can do to
make money in the meantime when you start needing to
make money again.
Speaker 2 (29:33):
But I think put in your notice now.
Speaker 5 (29:36):
In the meantime, be looking for really quick and easy
temp jobs.
Speaker 2 (29:41):
Whatever you want to do. It doesn't have to be
in the same field. You're going to make it work.
Speaker 5 (29:45):
And because you've quit your job, you're going to have
to make it work, and that there's something very exciting
about that. So put in your resignation and then make
it work, and I trust that you will. And then
you're going to find something slowly, slowly, you're gonna be looking.
You're going to find something you love, but you're just
gonna be making it work until you do. So don't
be sad for a moment longer.
Speaker 2 (30:04):
You terrify me. Don't terrify me. I couldn't do that.
You will make it work, you would. I'm not disagreeing.
I'm not saying.
Speaker 3 (30:14):
It's like two things can be true at one time,
Like that can be true, and then it can also
be true that for me that wouldn't work, and that's fine. That,
oh my lord, knowing that I would quit a job
and have a mortgage already sending me over the edge,
Like my anxiety is through the roof. Like I think
I would have more anxiety not having a job than
being in a shitty job with shitty people. Like just oh, anyway,
(30:36):
I think first things first, you are not being silly
at all, Like what you're describing sounds really unsustainable and
really unfair. As an employer of people, I have so
many questions. So one of the things you said is
like they extended my probation. Never heard another thing about it.
What if I extend someone's probation, which by the way,
(30:57):
hasn't ever happened, But you're gonna hear from me weekly
because I'm essentially saying, and I don't know how your
business is working this, but if hypothetically I needed to
extend someone's probation, The reason is because I'm not sure
I want them in my business. So I've had six
months with you and you have not proven to me
(31:17):
that you are.
Speaker 2 (31:17):
The right fit.
Speaker 3 (31:18):
And I go, well, I'm still not sure. I just
want a bit more probation time. Sorry, where's the plan?
Where are the landmarks that I can work towards that
show that I am the right person? Is it output?
Is it being on time to work?
Speaker 1 (31:34):
Is it like?
Speaker 2 (31:34):
What are these things?
Speaker 1 (31:35):
Like?
Speaker 3 (31:35):
Why was your probation extended? And that goes back to
what you said, Jess, call fair work. Explain your situation,
not just that like you feel uncomfortable in that it's toxic.
Speaker 2 (31:44):
That's a very important factor. But they extended this.
Speaker 3 (31:47):
What does this mean You're meant to have a plan
for that period of time because essentially you're on notice
because they're going to extend your probation and then go, hey, sorry,
now we've done another three months.
Speaker 2 (31:58):
This really isn't working.
Speaker 3 (32:00):
I think it's very reasonable and very valid to prioritize
your health in your well being over a toxic workplace.
So if that's the reason you're quitting, I think you
know it's money well spent. We have emergency savings for
a reason. And sometimes the emergency is getting out of
a situation we no longer want to be in, and
that is completely valid and completely fine. That said, you've
(32:20):
got a mortgage, and I think we need to balance
financial security and self care. Like where's the middle ground there? Like, yes,
you don't want to be there, go what are you
doing to get out of there? Are you applying for
heaps of other jobs? Are you looking at temp jobs?
Because you had some really really good suggestions you could
do six million things And if those things sound better
(32:40):
than your current workplace, go apply for them, solidify them,
then quit your job, go to another job where.
Speaker 2 (32:45):
It's not toxic.
Speaker 3 (32:46):
And yeah, you're not doing something that you love, but
at least you've got a job, You've got cash coming in,
and we can still be applying for your dream jobs
and the jobs that you want to be doing, because
like even if you're doing unstapling and putting stuff in
folders slagh, you're still getting money in the door.
Speaker 2 (33:02):
And then when you get home you can apply for jobs.
Speaker 3 (33:03):
And you know, even if you work there for two
weeks and then quit, at least you weren't ever in
a worse off financial position, and I think that's a
good thing for our mental health as well. So I
think I would be what's your exit plan. You've decided
you're leaving this job, are you applying for new jobs?
Are you making a plan?
Speaker 2 (33:21):
What does that look like?
Speaker 3 (33:22):
Is probably where I would come from with that. What
everybody else say, mostly you deserve better, but would you
like their two cents?
Speaker 2 (33:29):
Absolutely so.
Speaker 3 (33:30):
The first question I asked on the stories was, have
you guys ever worked in a toxic workplace? Seventy percent
seventy percent of you said yep, and I left. Sixteen
percent said no, thankfully, But then fourteen percent of you said, yep,
I'm still there.
Speaker 2 (33:45):
Oh that's really sad, so sad because that's eighty four
percent of people who have or are in toxic I know,
I'm not surprised. No, No, definitely get out of there.
Speaker 3 (33:57):
Next question we asked if you had twenty thousand dollars
in savings and a job like this with no other options,
would you leave?
Speaker 2 (34:04):
Thirty nine percent of you said I'd stay with a
time limit.
Speaker 3 (34:07):
Thirty one percent said yes, that's what savings are four
and thirty percent said no, I'd need to have another
job first.
Speaker 2 (34:13):
Again, we're all just different people.
Speaker 3 (34:15):
Like, that's a really, that's the annoying thing about money
and life, right Like Beck would just happily be like, nah,
I'll work it out, and I'd be like, I have
too much anxiety. We then said what's your two cents?
And I've got a little collection of these because I
know we're running out of time. First person said, keen
to hear your thoughts. My partner is a chef and
they routinely underpay him.
Speaker 5 (34:35):
Yeah.
Speaker 3 (34:35):
Next person said, don't quit until you speak with fair
work and get fairly compensated for your work.
Speaker 4 (34:41):
Sam.
Speaker 3 (34:42):
Next person said, I'd go back to only working the
hours I'm getting paid for until I can find another job,
which I think is important too. Like if they're only
giving you time in lou and then you can't take
the time in Lou off, it is actually no financial benefit.
Maybe you could be like, hey, I need all of
that time in lou and then use that time to
apply for other jobs. Yes, ye still getting paid. Someone
(35:05):
said staying in a toxic job can cost you more
than leaving.
Speaker 2 (35:08):
It's true too, Vallad.
Speaker 3 (35:10):
Another person said, I have a side hustle for this reason.
I can leave a toxic main job at any time,
they don't own me. Next person said, start taking your
time in lou surely you have some weeks accrued by now.
And then the last person said, your mental well being
is worth more than twenty grand. Aka, I think it's priceless.
Speaker 2 (35:27):
Also a great point, so true. Great place to leave it, guys.
Speaker 3 (35:31):
I hope you have a beautiful weekend and we will
see you bright and early on Monday morning for a
money diary.
Speaker 2 (35:37):
Bye, guys, Bye? Did buy shared on?
Speaker 6 (35:46):
She's on the Money is general in nature and does
not consider your individual circumstances. She's on the Money exists
purely for educational purposes and should not be relied upon
to make an investment or financial decision. If you do
choose to buy a financial product, read the PDS TMD
and obtain appropriate financial.
Speaker 2 (36:03):
Advice tailored towards your needs.
Speaker 6 (36:06):
Victoria Divine and She's on the Money are authorized representatives
of Money. Sheper p t y lt D A B
N three two one six four nine two seven seven
zero eight AFS L four five one two eight nine
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay
In Mbina yakarum jar Dominyama, Domagahawakaman, damon Imlan Wumba bang
Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,
(00:22):
beautiful friends, we gather on the lands of the Aboriginal people.
We thank I acknowledge and respect the Aberiginal people's land
that we're gathering on today. Take pleasure in all the
land and respect all that you see. She's on the
Money podcast acknowledges culture, country, community and connections, bringing you
the tools, knowledge and resources for you to thrive.
Speaker 2 (00:45):
She's on the Money. She's on the Money.
Speaker 3 (01:07):
Hello and welcome to She's on the Money, the podcast
that makes personal finance fun.
Speaker 2 (01:12):
Especially on Fridays. It is our favorite day of the
week because we.
Speaker 3 (01:16):
Get our team together and it is our whole like
Little Friday's team, and we get to celebrate you the
incredible She's on the Money community. Miss Jess Gricci she's here.
She's sharing our favorite money wins. Miss Becksayed is back
from her gallivanting around Thailand, and we'll be sharing her
broke tips and we're going to be helping to answer
a money dilemma, which this week is asking what to
(01:39):
do when you can't get the insurance you want and
something that you lead into our dms about whether you
should leave your toxic workplace before you have another job
lined up. How have your week's been thus far?
Speaker 4 (01:52):
Mine's been good, if you can tell. I am coming
off the back of being sick, so I am thrilled
to be up. But it is quite bad because my
boyfriend got sick. First, he got me sick, and I
was like, ah, the man flew. And then I got
a really nocked for six and he was like, oh
the man flew. So yeah, man flu, you get man flu,
don't eat. Karma came for me, as did the man flu.
(02:12):
But I'm feeling back and better than ever. I'm just
a little bit a little croky still, So sorry annoying, No,
you sound great.
Speaker 2 (02:19):
Annoying.
Speaker 3 (02:20):
In fact, I don't think anyone will be able to
tell you just pointed it out because you're probably self
conscious absolutely. Yeah, you sound absolutely fine.
Speaker 2 (02:27):
And missfecs that nice. Yes, she's that. I'm back.
Speaker 5 (02:32):
I had a gorgeous time. We were seeing Bangkok and
I hadn't been there before, so it was just so fun.
And I went like I went to Japan last year
and I was like, oh, nothing, we top that. But
then Bangkok honestly really came close. It's really really fun,
great food. There wasn't even a nano second where I
was hungry. I just did not stop eating. I didn't
let myself be hungry, you know. So I feel like
(02:54):
you might notice I'm a little bit chunkier.
Speaker 2 (02:56):
I did not notice.
Speaker 3 (02:57):
And I don't think that that's an accurate depiction of
how you've come home. I'm glowing and happy and ready
to take on the world.
Speaker 2 (03:03):
They're so nice. Thank if you do.
Speaker 6 (03:05):
And on that.
Speaker 2 (03:06):
How is Yuie?
Speaker 3 (03:06):
Oh honestly been live, love loving my way through October life.
I just I'm getting a bit tired.
Speaker 2 (03:14):
I'm not going to lie.
Speaker 3 (03:15):
I just feel like we have had a lot on
We've been doing a lot, working a lot. It feels
like Christmas is creeping up. I mean we've just been
recording some Christmas episodes and that feels honestly exciting because
like Jess loves Christmas.
Speaker 2 (03:28):
We're all festive girl is.
Speaker 3 (03:29):
But you know when you're like, oh, this is just
all happening too quick. What do you mean didn't twenty
twenty five just start? So I'm feeling a little bit
like and this is so silly. I feel like we
all go through this, this feeling of have I done
everything that I said I wanted to do this year?
And then I'm like no, oh my god, like what
have I got to finish? Which is so silly, so silly,
it's silly. It just feels like the years catching up. Yeah,
(03:50):
I totally get it, all right, would you hypothetically like,
get this, it's going to shock you.
Speaker 2 (03:56):
A five star review?
Speaker 3 (03:57):
Yeah, you didn't see that happen, But Renee Louise ninety
four did. She sent us a five star review via
Apple and it was entitled Empowered, and I was like, well,
this is the one for this week. Hi, she's on
the money. I've been listening to your podcast every day
now for the past month or two, and it's so
good to learn about money that is easy to understand.
(04:20):
We have done something similar a few years ago through
someone else and we were able to pay for our wedding,
pay off our credit card loans and other debts, have
savings and it was really good until I had medical
issues and had our daughter two and a half years ago.
As life goes on, we fell into a little bit
of debt again and we've gone back to some bad habits.
But after friends telling us about you guys and how
(04:43):
simple and easy you make it, I've just joined shares
this signed up to your money course and I've been
mapping out the next twelve to twenty four months, which
is so exciting. I feel motivated and happy to be
back on track.
Speaker 2 (04:54):
Thank you. I really needed this. That's amazing, so cute,
that's lovely.
Speaker 4 (05:02):
It just shows life is in seasons, and you know,
sometimes you're going great, sometimes you're going on as well
as you want, and it's okay totally.
Speaker 2 (05:08):
Do you know what else? I thought?
Speaker 3 (05:09):
And this is like maybe just me being a little
bit special, a little bit adhd, a little bit side questy.
Her name was renee Louise ninety four, and I was like,
that's such a ninety four middle name, Like my sister's
middle name is Louise. Every second person I know that
was born in nineteen ninety four, has a middle name Louise.
Speaker 4 (05:26):
Just happens, true, just happens. One of my this is
so random. One of my most favorite teachers in primary school.
Her name was renee Louise oh renee Louise Cunningham. I
think it was her surname, but I think she got
married in a changed I can't remember.
Speaker 2 (05:38):
But she was your favorite.
Speaker 4 (05:40):
She was literally isn't it so funny how your favorite
teacher is like stick? Like I bet if I said
to who's your favorite teacher?
Speaker 2 (05:45):
You guys, I got I remember. Oh yeah, it's mister
Simmons from grave Ve. You go, I have a least
favorite teacher.
Speaker 3 (05:50):
His name's Matt Simmons. By the way, I think everybody
loved Dimbo. You know those teachers that like just were
everybody's favorite teacher.
Speaker 2 (05:56):
Yeah, I reckon life by who missus derwent.
Speaker 5 (06:01):
She was really mean to me and my brother, and
I don't want to play the card, but I think
it's because we're both Indian looking, but we're not Indian.
Speaker 2 (06:08):
We're Bangladeshi. Actually it was about to say, you're not
even Indian, I know.
Speaker 5 (06:12):
But she's still I think she thought that and she
didn't like us, so she was maybe a little bit racist.
She's on my hate list, not in being Indian, you know,
we were all India at one point, but she just
had like a real distaste for this.
Speaker 2 (06:23):
Like I don't like her either.
Speaker 3 (06:24):
I feel like there are like two types of people
in this world, and I'm type B. I think Jess
is also type B. Don't know, I think that you.
Speaker 2 (06:31):
I don't know.
Speaker 3 (06:32):
There are those people that would have been like, oh, well,
she was actually a really nice teacher. She didn't do
anything to me. She was so nice, And then there
are type B people where I'm like, we riode at Dawn.
Speaker 2 (06:43):
Yeah, she was nice to me. She did what to you?
That's so nice?
Speaker 7 (06:47):
Oh my god.
Speaker 2 (06:48):
So she's on my cancel list as well. Thank you,
thank you you waiting thirty years I've been waiting to
put her on your list.
Speaker 3 (07:01):
Let's jump back into the show. No more side quests
and it's just greachie. Can you share your favorite money
with absolutely?
Speaker 2 (07:07):
I can.
Speaker 1 (07:08):
So.
Speaker 4 (07:08):
Firstly, this week I've got a money win from Ann
who said I returned to shampoo to Mecca that was
causing me to have an itchy scalp, and.
Speaker 2 (07:15):
I got a refund.
Speaker 4 (07:16):
Oh good, Just to remind everyone, Mecha, lets you do that, like,
you can test it if it's not for you. I
believe there are some t's and z's check the tz's,
but you can take things back, which I think is great.
Speaker 2 (07:24):
But also it's so expensive these days.
Speaker 3 (07:27):
And if you were like I'm going to buy a
shampoo at Mecca, like you're putting some pretty cold hard
cash up front. Absolutely, so good on you for standing
your values, because I'm not gonna lie. I would feel
awkward and put it in the back of my cupboard
and forget.
Speaker 2 (07:40):
I owned it. Absolutely.
Speaker 4 (07:42):
Next I've got a money in it from Amy, who
said she needed to buy all new plants on the
weekend as she was re landscaping her front yard. It
was going to be around four hundred dollars of plants
from Bunnings or the local nursery.
Speaker 2 (07:52):
But then she found a.
Speaker 4 (07:53):
Guy a marketplace get a little plant business from his garden,
and she bought most of the plants she needed for
two hundred and twenty dollars.
Speaker 2 (07:59):
Also, that's really cute supporting to all business. It's how fun.
Speaker 4 (08:03):
Next week, money went from Caitlind, who said money Win
had a successful no spend week. All I bought was
groceries and breakfast out with a friend. Well done, well done.
It's hard, you know what.
Speaker 2 (08:12):
It's small, but it's hard.
Speaker 4 (08:14):
And then I've got a money win this week from Tracy,
who took a leave out of bextbook and said she
changed her Netflix from a standard plan to the cheapest.
Speaker 2 (08:21):
Yes, you're a reminder. Ads are not that bad.
Speaker 3 (08:23):
I like what we're willing to compromise on, because if
I'd asked you that two years ago, you'd be like,
absolutely not.
Speaker 2 (08:28):
You know, you're like, as on that bad. They're pretty nice,
you know what.
Speaker 4 (08:31):
I'm hard up enough that I've taken out here at
the absolutely and honestly they don't come up often.
Speaker 2 (08:36):
Yeah, times are changing that absolutely feto. We'll be watching
free to air TV so with a bad time.
Speaker 4 (08:43):
Next, I've got a money win from Grace, who said
her new office building runs free fitness classes. She signed
up for her first pilates class on Tuesday morning.
Speaker 2 (08:51):
Also, sorry, free pilates.
Speaker 3 (08:54):
I thought you were thinking like it would just be
like the Les Mills old school fitness lass, so maybe
you weren't that interested in that's school.
Speaker 4 (09:01):
That's a good office perk. I would say, whoever's office
is doing that, absolutely.
Speaker 2 (09:06):
Signed me up.
Speaker 4 (09:06):
And then lastly, this week, I've got a money win
from Rebecca who said counsel withdrew two parking fines because
she received them while their baby was in the nicqueue.
Oh god, it is not nice.
Speaker 2 (09:17):
Good people.
Speaker 4 (09:18):
Iby is okay, me too, and the saves are around
three hundred dollars. So money win for the pocket, hopefully
a life win for you guys because a bit of
stress gone and hopefully Bubba's doing okay.
Speaker 2 (09:27):
Yes, well that's a good place to leave it.
Speaker 3 (09:29):
Yeah, thank you, I love it, Miss Beck say ed, yes,
have you come back raging with some good broke tips
because I have had to carry this.
Speaker 2 (09:37):
I don't want you to listen to the episodes, though,
so I should. I did my best, and sometimes you
know what your best is just not good enough. And
that's okay. But I think Beck would tell me it
was a good job, even if it was terrible job.
Speaker 6 (09:49):
Yeah.
Speaker 5 (09:49):
I haven't listened, but I'm sure you did do a
good job. But I will be listening and I will
be critiquing.
Speaker 2 (09:53):
Can we toxically supportive?
Speaker 3 (09:55):
That's so nice of coll like Beck could come into
this office and be like, man, I just hit someone
with my and I'd be like, babe, why were they
in front of your car?
Speaker 2 (10:02):
Exactly? But I was on the path, the footpath. Yeah,
well why were they? Why were they there? Begs like
oh I failed to test, and I'd be like, oh
my god, why did they make it so hard?
Speaker 4 (10:11):
Rude?
Speaker 2 (10:12):
I really appreciate that, Okay, Jess.
Speaker 5 (10:15):
I was a bit cheeky this week and I was
scrolling through the money wins color, but some of them
were really good, and so I just wanted to share that.
This first one comes from La, who says she was
unwell earlier this year. I do apologies. I hope you're okay.
She had to travel to and from Melbourne for treatment
quite a number of times. But there is a Victorian
Patient Travel Assistance Scheme VPTAS, so just rolls off the
(10:39):
tongue which provides some financial assistance for patients who have
to travel more than one hundred committers to access treatment.
Speaker 2 (10:45):
I did not know about this, that's right that and
I'm glad that the community does now. Absolutely so.
Speaker 5 (10:50):
I guess it's really also great for regional people because
I'm sure we have to come to and from Melbourne
every now and then.
Speaker 2 (10:55):
And so the processing times are not super quick.
Speaker 5 (10:58):
But she finally received the money and put us into savings,
which I think is great. It's kind of nice when
you can afford at the moment you know it's coming back,
and then it kind of just comes back when you
don't expect it.
Speaker 2 (11:06):
Yeah, I'm like, oh my god, a bit of free money.
Speaker 5 (11:09):
So it's the Victorian Patient Travel Assistance Scheme.
Speaker 2 (11:12):
I love p t as Ye, you're right it does.
Speaker 5 (11:19):
And this next, but also I do hope you're feeling
a lot better now, Ella. And so then I dipped
into my own thread, I say, little thread. This one
comes from Katie, who says I don't have a Seati
mobile or home internet plan. Instead I buy start simpacks
at woolorves or calls when they go on sale, usually
about nine to thirteen dollars for twenty eight days with
(11:40):
unlimited international calling. As I've got family overseas, as long
as I trade between providers every month, I can keep
the same number. It's a tiny bit cumbersome, but very cheap.
Speaker 2 (11:50):
That is cheap.
Speaker 5 (11:51):
That's nine dollars, say, for example, for a month. That's
your home and mobile because you just hotspot everything.
Speaker 3 (11:57):
Yeah, and if you're willing to do the admin, that's
actually a really good money we need crazy Sorry, that's
so good. Oh do you know what I'm willing to do?
The admins sometimes to say unlimited you could run an empire.
Speaker 5 (12:11):
Seriously, that's actually fantastic. My phone is ninety nine and
in today is seventy. So if you get rid of those,
Oh my god, that's genie.
Speaker 2 (12:20):
Ninety nine dollars a month for your phone?
Speaker 3 (12:21):
Is it like your phone and your phone bill like
the handset? Okay, all right, that's all reasonable. What do
you pay for your phone every month?
Speaker 2 (12:29):
Jess? Thirty five dollars? Yes, same Aldi, No, no, Optis.
I'm with a voter phone. We do an annual team everyone.
Speaker 4 (12:37):
If we did it once and then every yes, one goes,
hey guy, it's been about a check again.
Speaker 2 (12:41):
Call your provider.
Speaker 6 (12:42):
Get on the chat.
Speaker 2 (12:43):
One day we were all literally, yeah, we were all
in the office. We weren't doing work. We were all
talking to like Optius chat, like Telstra chat. One of us.
I was on the voteraphone chat at that time, and
I was like, no, no, no, sorry, my friend is
actually talking to OPTAs she just got thirty five dollars.
I want thirty five.
Speaker 3 (13:01):
They're desperate to keep you, yea, as they should be,
as they should be, because I'll leave.
Speaker 2 (13:06):
It's not that deep for me.
Speaker 3 (13:07):
Loyalty runs very shallow in my Yeah. Yeah, nine dollars
is great, that's incredible. My broke tip's quite topical right.
Speaker 5 (13:19):
Now for me personally, because I just came from an island.
So this is for people traveling to Southeast Asia. There
is currently a clinical trial happening called Understanding the Causes
of Diary in Australia in Australian adult tourists traveling to
Southeast Asia, which I think we all have been very
curious about.
Speaker 1 (13:37):
Do you know what?
Speaker 3 (13:38):
A while ago I went to Bali and I posted
on my Instagram that I have never gotten Ballei belly
and still have never gotten Balley belly because I believe
you have to have one full fat coke every single
day because in my head, this is a complete side quest. Again,
I do apologize, Beck, I'm feeling very extra DHD spicy today, okay,
(14:01):
because in my head, if you put coins into a
cup with some coke, it like fully strips them gets
rid of all of the rust.
Speaker 2 (14:11):
I think it does that to my insides, but with
the bugs. Not a word of a lie.
Speaker 4 (14:15):
I went to a doctor once and they said, have
you tried having like I am not made I know
that sounds made up.
Speaker 2 (14:21):
It's not made up any I think it was something.
Speaker 3 (14:24):
So my sister gets migraines and her doctor tells her
every single time one can of full fat coke as
like a pre empty of Like, you know, it doesn't
save her, but it does make things a lot easier.
Speaker 2 (14:35):
Really, why not coke zero?
Speaker 3 (14:37):
I think you need the mix of the carbonation, the
caffeination and the sugar. Okay, I think it's like, I
don't know. I'm not a doctor.
Speaker 2 (14:44):
I am a hypothesist. I feel like we'rening fake news.
Speaker 4 (14:50):
To me.
Speaker 2 (14:51):
Fake news. But you know what did I get? BALI belly?
Tell me more about your diarrhea story?
Speaker 4 (14:56):
True?
Speaker 5 (14:56):
That's so true, and also a placebo even if it does,
this does call plus Potentially it is just as effective.
Speaker 2 (15:03):
You know, I'm going to start selling jelly beans that
help you save money. You never know, No, the brain
is powerful.
Speaker 3 (15:09):
Yeah, if you eat a jelly bean a day, you
can actually save like a thousand dollars a month's crazy.
Speaker 2 (15:14):
Yeah, buy my jelly beans? Yeah yeah yeah, tell us
a study.
Speaker 5 (15:17):
Sorry, tell me about So this is quite topical because
I just came back from Thaighland. So this is for
people traveling Southeast Asia. There is currently a clinical trial
happening called Understanding the Causes of Diary and Australian adult
tourists traveling Southeast Asia. You can sign up and you
get one hundred fifty dollars. Whether you get diary or not.
You do have to give a still sample though, which
(15:38):
is uncomfortable. But whether or not you get diarrhea, you
will be receiving one hundred fifty dollars if you sign
up and get chosen, is the main thing.
Speaker 2 (15:48):
That's a perfectly good way to make money. Oh no,
and she's been sitting time, just like the toilet. If
you've got you can soon. I've got a few more
than a I'm scared, all right. Well that's the bottom
end of this side.
Speaker 7 (16:09):
So we're gonna go to a really quick break and
on the flip side, we're gonna be answering a more
vanilla money dilemma, which asks what do you do when
you can't get insurance that you want to have.
Speaker 2 (16:21):
And something that you slid into.
Speaker 3 (16:23):
Our dms about whether you should leave your toxic workplace
before you've solidified another job and lined that up, so
guys don't go anywhere.
Speaker 2 (16:35):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.
Speaker 6 (16:41):
Hi. There, have you got a money dilemma you just
can't solve? The Sheese 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.
Speaker 2 (16:59):
Now, let's take a listen to this week's money dilemma.
Speaker 8 (17:04):
Hi, She's on the Money. I absolutely love the pot
on everything with the community, especially for women. My question
is about life insurance TPDIP, death cover, etc. Unfortunately, due
to a myriad of health conditions, I'm ineligible for life insurance,
including through my super Even though I don't expect insurance
to cover my pre existing conditions, I understand it's part
of the underwriter's job. However, do you have any tips
(17:26):
to what I can do to prepare myself otherwise. Obviously
having an emergency fund is super important, but it's never
going to give me the same protection as life insurance
in terms of the actual amount of money. Is this
just bad luck? Or is there another way I can
future proof myself?
Speaker 2 (17:38):
Thank you? All right? Just first, cab off the rank.
Speaker 3 (17:40):
I'm sorry, I don't know if this person has seen
a financial advisor or not, but that would be my
first port of call. You guys know that I will
harp on day and night about sky Wealth. They are
literally my financial advisors when it comes to insurance. Jess,
I'm pretty sure you're with them. Yeah, I'm pretty sure.
Like a producer, like everybody in our team has gone
through sky Wealth to do their insurance is just because
(18:02):
they do good. They know literally everything about it, and
we feel really confident. So I would go and talk
to their team, because if you've been declined just by
one insurer, you can talk about you know what other
insurers could I potentially go with? You know, she might
have actually gone and talked to Phil literally one on one,
and he said, look, we can't insure you. I just
(18:23):
don't know the semantics of this situation, but often you
could potentially talk to a different insurer that will either
exclude your pre existing conditions or get you to pay
a loading on your insurance so you pay more insurance
to still solidify it. And I would be having those conversations,
so it's not completely ruled out if you aren't able
(18:43):
to solidify insurance at all. And there are some people
that can't get insurance. So whether it is pre existing
conditions or you have certain occupations. Did you know that
some pilots can't get life insurance, Oh, because of the
risk of there's too much risk. Flight controllers also have
a lot of issue with it, even though they're that's
what I used to say crazy, but I ended up
(19:05):
with a lot of clients who are traffic flight controllers
right anyway, So there are a lot of people who
might not be able to get it. And at that
point you are trying to obviously future proof your finances
in a way that you still again she mentioned it
like having an emergency fund. That would be the number
one thing that I focus on. What other insurances could
(19:27):
you get that support you? So, yes, you haven't been
able to get the life insurance, but what about total
and permanent disability? Or TPD. What about income protection? What
about trauma insurance? Do you have any of those accessible?
Like what's that going to look like? Also making sure
that if you're in a couple, your partner is inshure
WOD well, just because you can't get it doesn't mean
(19:47):
they shouldn't be going in and exploring it. Like there's
just there's a few things that you can do. And
I'm really sorry that that's the case, but that is
honestly the reality for some people where you just can't
solidify it. And I'm not saying that's okay. I think
it really sucks. It actually often is the people that
need it so so so much. Yeah, but get advice
(20:08):
and get good advice. But if you are speaking to
a financial advisor and they have said I'm so sorry,
miss jessic Ricci can't ensure you, they will give you
a plan of what else you should be doing to
protect yourself. So it's not That's why I'm kind of like,
so did you get advice, because any good financial advisor
would be like, I'm so sorry, I can't insure you
(20:29):
for this, but this is our fallback plan.
Speaker 2 (20:31):
This is what you should be doing.
Speaker 3 (20:32):
I would love to see you save x amount per month,
or your emergency fund needs to be this percentage more
than normal people's or whatever. So that's why I was
kind of effy about whether they've gotten advice, because any
good advisor would never leave their client hind dry.
Speaker 2 (20:45):
They wouldn't be like, sorry, can't get it.
Speaker 5 (20:47):
Have a good day by Like yeah, I would say,
like if it is the case that you can't get
any at all, then I mean, I think Victoria would say,
don't put your money where you can't act says it immediately,
like investments would say.
Speaker 1 (21:02):
That, yeah.
Speaker 3 (21:02):
I would say that, yeah, your emergency fund should never
never be invested.
Speaker 2 (21:05):
Put it in savings.
Speaker 5 (21:06):
And then also I would say, like you know, as
if you can savings and then also maybe like super
and maybe a little bit investments if you can afford
to have like multiple sources of financially securing. Yeah, And
then I would also just like be really up to
date with like sendlink and ndis and all these kind
(21:26):
of things, like just in case, because it's.
Speaker 2 (21:30):
Really sucks when you touchwood.
Speaker 5 (21:31):
If you were to get to a place where you're like, oh,
I don't have any InCom and I can't get any
income and I also don't have insurance, and then you're like, okay, well,
let's see what sendlink has.
Speaker 2 (21:39):
It's so overwhelming at that point because.
Speaker 5 (21:41):
It's like, I mean, I don't know about everyone else,
but I find it so hard to like read and
take in what's on the Gay Too website.
Speaker 2 (21:47):
I'm really grateful that it's there. I'm really grateful we
have these. I love reading that website. Perfect. That's perfect.
Speaker 5 (21:53):
But I would say look up beforehand as well, because
even if you were like, Okay, well, if worse came
to worst, Touchwood, I could get five hundre dollars a
week or five dollars a fort nite, whatever, then at
least you can start preparing your budget for that amount
if anything were to happen. You can start preparing for
what you can get in the future if you were
to ever need it. And then you can also figure
(22:14):
out where the hell the forms are, what the hell
you do with the forms?
Speaker 2 (22:17):
What do I need? I need by a scan of
my idea or something I don't know, So it's really
good to just have that at the back of your mind.
I think you can need Also.
Speaker 3 (22:25):
While I'm thinking about it, the additional thing I would say,
is this is a really good flip in reminder to
get your insurances in place before you even think you
need them. Yes, because yes, you might have a pre
existing condition now. But there's and I don't know what
it is, it's none of my business, but there is
a very big likelihood if you are young and fit
and healthy, you think you don't need insurances, and that's
(22:47):
the point at which you need insurance the most, and
it is the most valuable to pick up because you
won't have any pre existing conditions.
Speaker 2 (22:54):
We see it often in our community.
Speaker 3 (22:55):
You know, you'll go and see an advisor and they'll
be like, so sorry, you had this health issue, or
you might have had a melanoma cutout, or you might
have had just literally anything happen. You used to play
netpul and you've got a bung knee and they just
won't cover these things. And you go, well, that's really
annoying because what if I do my other ACL I
won't be covered for that.
Speaker 2 (23:14):
And you'll be like, well, no, you won't be.
Speaker 3 (23:17):
So the younger you are, the more important it is
to solidify insurance while you can get it, because even
though abung knee or whatever you might go, they wouldn't
not ensure me. But you add that to a list
of pre existing conditions, like let's say you've got a
bung knee. You know, you had a heart issue at
some point, and you also have mental health. Insurers are
(23:37):
cracking down and they're not doing it to be awful
and mean, like they have underwriters whose job it is
to measure risk and go, okay, well, actually I don't
want to give Jess a policy because.
Speaker 2 (23:50):
She's very very likely to claim on it. And at
the end of the day, we're insurance, and yes, insurance
is there to.
Speaker 3 (23:57):
Protect you, but they are also betting people, and they're
betting that the people that they are ensuring hopefully don't claim,
so that their business stays profitable. And if they go
insure all these people who arguably need it and from
my perspective, deserve it and I want to have it
because it keeps their finances healthy. They're like, sorry, we'd
(24:17):
be paying out left, right and center and become a
non profitable company, and that's actually a really bad business.
Speaker 2 (24:22):
Decision for them.
Speaker 3 (24:23):
So it's more than personal, if that makes sense, And
I think you understanding that is also important as well,
because they've deemed you too high risk, but that doesn't
mean another company might not setting your lots of love.
Speaker 2 (24:34):
I hope that whatever you're dealing with is, you know,
not too hard.
Speaker 4 (24:37):
I know it can be a lot when you're trying
to get your finances and stuff in order and dealing
with all of those things as well.
Speaker 2 (24:41):
So where I was sending you good thoughts, lots of love.
But should we get into the juicy DM? All right, yes,
of course.
Speaker 3 (24:48):
So we've got a juicy DM, which I think is
it's not It's obviously juicy because it's about a toxic workplace,
but I also think it's a really relevant question, especially
at this point in time, so our community members help.
Speaker 2 (25:00):
I need some advice.
Speaker 3 (25:01):
I'm a pastry chef working sixty plus hours a week,
but I'm only paid for forty five, and overtime becomes
time in loo.
Speaker 2 (25:09):
As I'm on a salary. It's physically exhausting.
Speaker 3 (25:12):
The vibe is toxic, constant negative feedback like work harder,
do better, with nothing actually helpful being contributed to the conversation.
They swapped me to night shifts without extra pay and
extended my probation and said I'd be let go if
I didn't improve. I'm halfway through and haven't heard a word.
Since there are no jobs in my field where I live,
and I've had no luck in other industries. I've got
(25:35):
a mortgage and around twenty thousand dollars saved, and I'm
honestly just ready to walk with no job lined up.
Parts of me feel like I shouldn't waste my savings
just because I hate my job. That said, I don't
know how much longer I can take it. I'm just
after the community's input. Whether I'm being silly or smart
by putting me first, I'm.
Speaker 2 (25:55):
Really sorry that's happening to you.
Speaker 4 (25:56):
That sounds super stressful. I, as you know, guys know
quite risk adverse, I would say, especially with the mortgage
over your head, I would be walking. I really want
you to be able to prioritize your mental health, and
that's so important and so valid, But pragmatically speaking, your
emergency fund, your savings will only last you for so long.
It's a tough job market out there, and particularly because
(26:17):
you've just told me, you just said that there's no
jobs in your area, you're having a hard time. That
money will disappear more quickly than you think. And my
concern would be that the financial pressures of having to
pay a mortgage and not having money coming in could
also put I would argue the same level of strain
on you that you're already experiencing. Its kind of like
you'd be training one negative thing for another negative thing.
Speaker 2 (26:39):
I would be it sounds like you might be already
but actively looking for jobs.
Speaker 4 (26:44):
Also, speaking to fair work, I'm pretty sure depending on
your award and depending on what your previous pay rate was,
night shift generally means that you do need to be
paid a higher rate unless your previous rate was above award,
So I would be looking into that. If there's a union,
feel industry looking into that as well. Just making sure
that everything's above board, because a few of the things
you've said have kind of flagged to me that your
(27:05):
workplace might not be doing all the right things, So
you can give fair work call they exist for that
exact reason. Talk to them about your probation extension, talk
to them about the fact that you're not getting actionable feedback,
because that then also builds a historical chain of events,
so that if you were to be let go unfairly
or unfairly dismissed. You've got that evidence already supported and
(27:27):
noted within fair work, which I think is important. But yeah,
I know that that's probably not the answer that you're
looking for, and maybe I feel like beck might have
a different take on it.
Speaker 2 (27:37):
Thought I'll give you the answer. She looked like she
was ready for her thoughts. Yes, because this is my thing.
Speaker 5 (27:42):
As you guys know, I quit my job randomly to
do like literally four weeks at a job that I
wanted to do, and then I was.
Speaker 2 (27:48):
Unemployed, and which she's not unemployed, by the way. No,
I just I only just got a part time job.
Speaker 5 (27:54):
But what I'm saying is like, if you quit and
you don't have a job at the end of it,
you will never not make it work. I'm somehow made
it work. I still got rent money because I was like, oh,
I'm going to do this and this and this that
will just make rent money.
Speaker 2 (28:06):
You're very resourceful. Well, thank you so much. But I
do think that, like, I don't think you will.
Speaker 5 (28:12):
Have to worry about not having a job and not
being able to pay the bills, because I know that
would stress me out. I think it is so fun,
It is so exciting and there's something so chill about
being like, oh, I'm just I'm doing this little thing
that's temporary that I'm just doing because I need to
make money to pay the rent this month. It's like
when you have a full time job that you really hate,
(28:33):
you know what's paying the bills, but you're not like
you're not doing it to pay the bills. It's almost
like you're doing it because it's just part of your
life and you just hate it. But when you quit
your job and you're like, leave yourself a week or
two to just be unemployed, and then after that, don't
even if you can't find work in your field, then
do whatever the hell I've emailed recruiters and being like, hey,
I'm happy to do temp work. Sometimes that literally means
(28:55):
sitting at a desk with twenty other people who are
there to do temp work and literally uns stapling paper
and putting those papers in folders, and you do that
for eight hours a day, and it's like mind numbing.
You chuck your headphones in. You know that you're only
there so that you can make money. Everyone's only there
so they can make money. You don't have to put
on this whole like you know, when you go into
interviews and they're like, why do you.
Speaker 2 (29:14):
Want to work here?
Speaker 5 (29:14):
And you know it's because you want money, but you
have to be like, oh, I'm so passionate about I
don't know ice, creameres, you know, like.
Speaker 2 (29:21):
Random places that you're trying to get jobs at so
you make money. Don't do any of that.
Speaker 5 (29:24):
Just get temp jobs, just to like pickpacking, just get
a little kitchen hand job, whatever you can do to
make money in the meantime when you start needing to
make money again.
Speaker 2 (29:33):
But I think put in your notice now.
Speaker 5 (29:36):
In the meantime, be looking for really quick and easy
temp jobs.
Speaker 2 (29:41):
Whatever you want to do. It doesn't have to be
in the same field. You're going to make it work.
Speaker 5 (29:45):
And because you've quit your job, you're going to have
to make it work, and that there's something very exciting
about that. So put in your resignation and then make
it work, and I trust that you will. And then
you're going to find something slowly, slowly, you're gonna be looking.
You're going to find something you love, but you're just
gonna be making it work until you do. So don't
be sad for a moment longer.
Speaker 2 (30:04):
You terrify me. Don't terrify me. I couldn't do that.
You will make it work, you would. I'm not disagreeing.
I'm not saying.
Speaker 3 (30:14):
It's like two things can be true at one time,
Like that can be true, and then it can also
be true that for me that wouldn't work, and that's fine. That,
oh my lord, knowing that I would quit a job
and have a mortgage already sending me over the edge,
Like my anxiety is through the roof. Like I think
I would have more anxiety not having a job than
being in a shitty job with shitty people. Like just oh, anyway,
(30:36):
I think first things first, you are not being silly
at all, Like what you're describing sounds really unsustainable and
really unfair. As an employer of people, I have so
many questions. So one of the things you said is
like they extended my probation. Never heard another thing about it.
What if I extend someone's probation, which by the way,
(30:57):
hasn't ever happened, But you're gonna hear from me weekly
because I'm essentially saying, and I don't know how your
business is working this, but if hypothetically I needed to
extend someone's probation, The reason is because I'm not sure
I want them in my business. So I've had six
months with you and you have not proven to me
(31:17):
that you are.
Speaker 2 (31:17):
The right fit.
Speaker 3 (31:18):
And I go, well, I'm still not sure. I just
want a bit more probation time. Sorry, where's the plan?
Where are the landmarks that I can work towards that
show that I am the right person? Is it output?
Is it being on time to work?
Speaker 1 (31:34):
Is it like?
Speaker 2 (31:34):
What are these things?
Speaker 1 (31:35):
Like?
Speaker 3 (31:35):
Why was your probation extended? And that goes back to
what you said, Jess, call fair work. Explain your situation,
not just that like you feel uncomfortable in that it's toxic.
Speaker 2 (31:44):
That's a very important factor. But they extended this.
Speaker 3 (31:47):
What does this mean You're meant to have a plan
for that period of time because essentially you're on notice
because they're going to extend your probation and then go, hey, sorry,
now we've done another three months.
Speaker 2 (31:58):
This really isn't working.
Speaker 3 (32:00):
I think it's very reasonable and very valid to prioritize
your health in your well being over a toxic workplace.
So if that's the reason you're quitting, I think you
know it's money well spent. We have emergency savings for
a reason. And sometimes the emergency is getting out of
a situation we no longer want to be in, and
that is completely valid and completely fine. That said, you've
(32:20):
got a mortgage, and I think we need to balance
financial security and self care. Like where's the middle ground there? Like, yes,
you don't want to be there, go what are you
doing to get out of there? Are you applying for
heaps of other jobs? Are you looking at temp jobs?
Because you had some really really good suggestions you could
do six million things And if those things sound better
(32:40):
than your current workplace, go apply for them, solidify them,
then quit your job, go to another job where.
Speaker 2 (32:45):
It's not toxic.
Speaker 3 (32:46):
And yeah, you're not doing something that you love, but
at least you've got a job, You've got cash coming in,
and we can still be applying for your dream jobs
and the jobs that you want to be doing, because
like even if you're doing unstapling and putting stuff in
folders slagh, you're still getting money in the door.
Speaker 2 (33:02):
And then when you get home you can apply for jobs.
Speaker 3 (33:03):
And you know, even if you work there for two
weeks and then quit, at least you weren't ever in
a worse off financial position, and I think that's a
good thing for our mental health as well. So I
think I would be what's your exit plan. You've decided
you're leaving this job, are you applying for new jobs?
Are you making a plan?
Speaker 2 (33:21):
What does that look like?
Speaker 3 (33:22):
Is probably where I would come from with that. What
everybody else say, mostly you deserve better, but would you
like their two cents?
Speaker 2 (33:29):
Absolutely so.
Speaker 3 (33:30):
The first question I asked on the stories was, have
you guys ever worked in a toxic workplace? Seventy percent
seventy percent of you said yep, and I left. Sixteen
percent said no, thankfully, But then fourteen percent of you said, yep,
I'm still there.
Speaker 2 (33:45):
Oh that's really sad, so sad because that's eighty four
percent of people who have or are in toxic I know,
I'm not surprised. No, No, definitely get out of there.
Speaker 3 (33:57):
Next question we asked if you had twenty thousand dollars
in savings and a job like this with no other options,
would you leave?
Speaker 2 (34:04):
Thirty nine percent of you said I'd stay with a
time limit.
Speaker 3 (34:07):
Thirty one percent said yes, that's what savings are four
and thirty percent said no, I'd need to have another
job first.
Speaker 2 (34:13):
Again, we're all just different people.
Speaker 3 (34:15):
Like, that's a really, that's the annoying thing about money
and life, right Like Beck would just happily be like, nah,
I'll work it out, and I'd be like, I have
too much anxiety. We then said what's your two cents?
And I've got a little collection of these because I
know we're running out of time. First person said, keen
to hear your thoughts. My partner is a chef and
they routinely underpay him.
Speaker 5 (34:35):
Yeah.
Speaker 3 (34:35):
Next person said, don't quit until you speak with fair
work and get fairly compensated for your work.
Speaker 4 (34:41):
Sam.
Speaker 3 (34:42):
Next person said, I'd go back to only working the
hours I'm getting paid for until I can find another job,
which I think is important too. Like if they're only
giving you time in lou and then you can't take
the time in Lou off, it is actually no financial benefit.
Maybe you could be like, hey, I need all of
that time in lou and then use that time to
apply for other jobs. Yes, ye still getting paid. Someone
(35:05):
said staying in a toxic job can cost you more
than leaving.
Speaker 2 (35:08):
It's true too, Vallad.
Speaker 3 (35:10):
Another person said, I have a side hustle for this reason.
I can leave a toxic main job at any time,
they don't own me. Next person said, start taking your
time in lou surely you have some weeks accrued by now.
And then the last person said, your mental well being
is worth more than twenty grand. Aka, I think it's priceless.
Speaker 2 (35:27):
Also a great point, so true. Great place to leave it, guys.
Speaker 3 (35:31):
I hope you have a beautiful weekend and we will
see you bright and early on Monday morning for a
money diary.
Speaker 2 (35:37):
Bye, guys, Bye? Did buy shared on?
Speaker 6 (35:46):
She's on the Money is general in nature and does
not consider your individual circumstances. She's on the Money exists
purely for educational purposes and should not be relied upon
to make an investment or financial decision. If you do
choose to buy a financial product, read the PDS TMD
and obtain appropriate financial.
Speaker 2 (36:03):
Advice tailored towards your needs.
Speaker 6 (36:06):
Victoria Divine and She's on the Money are authorized representatives
of Money. Sheper p t y lt D A B
N three two one six four nine two seven seven
zero eight AFS L four five one two eight nine
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