Just before we get started, we'd like to acknowledge and pay respect to Australia's Aboriginal and torrest Rate islander people's. They're the traditional custodians of the lands, the waterways and the skies all across Australia. We thank you for sharing and for caring for the land on which we are able to learn. We pay respects to elders past and present, and we share our friendship and our kindness.
She's on the Money, She's on the Money.
Hello and welcome to She's on the Money, the podcast from Leales who Want Financial Freedom. Today's Friday, which means it's time to sit back with the girls with a bev in hand, to unpack our favorite moments from the week and of course to celebrate you the incredible She's on the Money community, as always, will be sharing our money wins.
And it's just me and G this week, so know what that means. It's time for G and JQ and A. We're back.
We're going to answer your questions. Nobody's fired us yet, so.
It seems likes are going. Well, where's Victoria today? Poor dog, she's sick, so you've just got us. I'm very sorry, but hopefully we can answer some cues, have a good time and chat about the week.
That was exactly right.
No financial advice will be given, obviously, because we're just two girls with big hearts, big dreams, but no financial qualifications. So here we are, Jay Rick. What happened on Monday this week?
So this week's diris was a really fun one. When we got the briefing sheet from our producer, An Lisa Victoria and I were both just like what it was someone who had been working as an undercover cop.
Oh my god? Cool? Right, yeah, very very cool.
She had worked as an undercover cop for a number of years and then took leave without pay because understandably, coming back from that she had felt a little bit burnt out. And in the inn trim she did a number of things. She bought a van, traveled Australia, ran into a few minor issues with that, including the van breaking down in the middle.
Of nowhere right of passage.
I feel, yeah, I was gonna say, I don't know if anyone's ever bought a van to travel Australia and not how to break down, so classic.
And then she started her own business, which is really cool.
So she's running that she's going to take that full time, which is awesome to see. You know that we're all about small beers here, so we love to see that, and just some really cool also insight into a job that I feel like you never hear anything about.
Yeah, did you get the goss? Like, ask lots of interesting questions about it?
We did.
Obviously, there are really significant limitations on what she could share some of her I guess the cases that she were involved in are still going through the court system and I know, right, so not heaps of goss, but all the rid of goss, so super duper interesting. I would really recommend to listen as always. But gee, what did you guys talk about? A Wednesday?
So this week Jay Rick, we discussed what to consider when deciding whether to purchase property, if it's something you should wait to do. So we spoke about things like inflation, the grants that are currently available to first home buyers all over the country, how houses compare to apartments as investments, and we spoke about land and how that's usually the most valuable asset in the whole home and land peace.
Oh yes, so it was.
Yeah, it was really interesting, but I feel like the moral of the story was that basically, the best time to buy isn't determined by the market, It's determined by when's right for you, much like entering the share market. We can't read these things. Things change. So yeah, it was just another good property chat. But if you are someone who is interested in property, we do have a whole Property Playbook podcast, so have a listen to that as well as Wednesday's fabulous episode.
Oh my gosh, Yes, I am all about the property. We love to know a little bit more. As you guys know. I'm super into it personally, and we know a lot of you guys are as well, So definitely check that out. Check out the Property Playbook, which we'll be coming back for season two later this year.
Very exciting. But any what else is exciting? George King? Oh, segue the money Way, She's good, she's approach, she's done at four.
Yes, the budget direct money wins. We love to see them.
What have you got for me? Eation every week? All right?
The first one comes from June money Win. My daughter was buying her first car and she had seven thousand dollars in cold hard cash. The car we found that was her favorite was eighty five hundred, so a little out of the budget. But we offered seven thousand dollars cash on the spot and she got it. She's asome awesome win. The next win comes from Jakoder. After being unemployed for two months, I took a bunch needed break for my mental health. I start a new job today
in a government role. It's a thirty dollar hourly rate plus super, which is pretty good for a twenty year old. It's four month contracts, but I think I'll smash this one, and I'm hoping they extend my contract. Well it's done, Jay Coder, good luck. The next win here Jay comes from Jane. After noticing that our car insurances have gone up thirty dollars a month for each car, two cars and never making a claim, I finally got a chance
to try and shop around for some new quotes. I eventually managed to secure some that are fifty dollars a month cheaper for each car than what we were about to pay. Yes, it took lots of time, emails, phone calls, but the savings in the long run are worth it.
I feel like Victoria would approve with that.
Oh my gosh, that's such a good one. And if you're someone who gets nervous on the phone, we have that handy dandy guide on the ses and the money website on how to snag yourself a better deal with your car, your phone, anything you're paying a lot for because they jack up the price and hope that you don't.
Say anything, and most people don't. Yeah, so says funy Phone. The next week, it comes from Nicola money Win. I was due for some new gym shoes, but have recently spent a little too much money on post breakup retail therapy. We hear you, Nicola. I hope you're doing okay. But it was my birthday last week and I got a fifty dollar vouch of for The Iconic from my cousin plus a twenty percent off birthday code from the Iconic.
This meant I was able to get a one hundred dollar pair of new balanced shoes for thirty dollars instead of one hundred amazing.
I love the Iconic. In this office, we do, we don't.
And the next win comes from Kiri Lee money Win. I finally reach my goal of a three thousand dollar emergency fund as a chronic explourge art.
This is a huge deal. For me.
I've also saved twenty nine dollars ninety four just from roundups, which is going towards my travel fund so I can go overseas next year. Each and every little bit counts. Love that Jamie is our next win here. I applied for a job that I didn't meet all of the criteria for and I still got it. I just tripled my income and I'm so excited to start.
How good's the hack crippled? That is wild?
And we love to see the ladies applying for jobs that they maybe aren't as qualified for because we know men love to do that. Yeah, so we should have a shame exactly right. The next win hit Jess comes from Imagen. Lost for today, but a huge win for future me. I went to a financial advisor for my insurances. Thank you. She's on the money for suggesting an amazing one.
I thought my life insurance within my super was enough, but now I can rest easy with TPD trauma income and life insurance that's personalized to me, all for far less than I was expecting. I'm starting to feel like a financially secure adult.
Yeah, queen, And if you do need an advisor again, not plug website, but we have a form on there you can fill out, give us all of your information and we will find you the person who is the right fit for you.
Because you're painful.
It can be really overwhelming, I think, trying to find the right person and are they nice and do they get me? And are they going to judge me? So we have a network of people that we really love and really appreciate and recommend if you are looking for someone. And one of our advisors obviously did my insurances and they were fantastic, So can't say enough good things.
Amazing. The last win here just is from Yona. On the one year and one week anniversary of me returning to work from Matt leave, I was told that I had been successful in securing a higher role at my work. This will be my third pay rise slash level up since returning to work, while my spending has remained the same.
I'm looking forward to smashing down my debt faster and on a personal win level, I'm so grateful that I've been able to start a family while still progressing my career and staying on top of my fone and answers.
Oh I love that God.
As days where women have to choose between a family or their career.
You really can have it all.
Well, it has been great celebrating some of your budget Direct money wins with you this week, but for award winning insurance Search budget Direct Budget Direct Insurance Solved stunning.
Shall we go to a little break, JR. Let's do it clean? Alrighty, we're back. It's time for the G and JQ and A. Here we are again.
I'm so excited.
I wish we had a jingle, La la la la.
Maybe we could work on one.
We don't do it often enough. I don't think to warrant our own intro.
But that's okay.
Just imagine, George, I'm going to come in hot with a question we get all the time because you're not always in the office.
It's true, and people go, where's Georgia Gun? She's been fired? We would simply never, absolutely not.
But George, what is your other job do you tell about?
It's bless everyone for being curious. Everyone, No one is of three people are so when I'm not at She's on the money, I at Fox Sports. I hilariously am a social media producer.
Do you mean hilarious?
Well, longtime listeners to the pod will know that social media and George are not the best of friends. But it's less about, you know, pretending your life is that which you do not lead, and it's more about promoting the company. And I work mainly at Fox Footy, so you know, cutting clips of the games, writing snappy captions, all.
Of that kind of jazz.
You love your sports, but I do, yeah, which people find surprising as well.
I don't know why I'm a sporty woman. So yeah, that's what I.
Do when I'm not at STOM. So I'm a busy gal, but love each and every day of my life. Yep, moving on.
You sounded like you really meant that as well.
Speaking of the office, someone asked what is your dream office item? And I don't know why, but I really liked that question, Like, if you're going to put one thing in an office, our office, theoretically, what would it be.
Well, I feel like the She's on the Money office is all already quite the dream office, and we've got the gorgeous artwork. V was telling me the other week about some electric blankets you guys have installed. You have electric blankets and your chairs. But the dream office item, I mean probably just like a really snazzy espresso machine. I'm basic, but.
Yeah, yeah, there's one of them upstairs that you do have to walk up two piunds of stairs or take an elevator to get.
There, which is arguably true.
Who's got the time? Yeah, how would you answer that question? I really would love a slurpy machine. Oh, okay, because I don't drink coffee. If you used to tell a shit, you know, I'm a hot chucky gal. But to be honest, I don't drink them all that often. But there's good slurpy machines and bad slurpy machines. Like you know how you can get the at Kmart, you can get like churro and popcorn and sh I'm pretty sure they have
an ice icy maker. Not great, not the same, No, Like I love like a seven eleven coke slurpy with raspberry mixed in layers, layers, layers, right raspberry on the top. This could excite you. My family used to have a Slurpy. It actual proper.
My dad likes to buy.
Silly, silly things that no one needs. I know. We bought it for like someone's eighteenth or something, and it was so cool and we'd put like vodka in there. Yes, but it's no longer with us so.
Maine. Oh my god, that's very cool. I didn't even know that you could get like big proper ones.
You really can.
Let me hit you with a financi question so people don't turn off the podcast. Sure, someone asked either of you opened property investing, why or why not?
M I mean I certainly would be if I had the money. I guess we've seen over time how much property does grow over over the journey. I mean currently if we look at how expensive.
Exactly.
But I can't see myself ever really getting in there beyond having my own home. But who knows?
What about you, j Rick?
I would love to I think it's interesting because property investment is quite contentious. I've noticed with some people being like it's the only way to build wealthy and some people being like, screw the landlords, they're all assholes. It's really polarizing, which I didn't anticipate it ever, being I've only ever had relatively good experiences with my landlords. We're in our current place, We've been there three years. They
haven't raised the rent once, haven't even mentioned it. You know, I think that you can definitely be a landlord without being a jerk. Just people need to rent property, and I mean, if that money is going to an individual rather than a big corporation, I'm not mad about it, as long as they're obviously not doing the wrong thing or discriminating or making your life really hard. But yeah, same as you, I am prioritizing personally an owner occupied property. I want to live in a home. That's what I
want in an ideal world. That home isn't my for over home, and when I move to the next one, I'd love to be able to keep it as an investment, but it's all going to depend on financing exactly what everything looks like down the track. So absolutely into it whether or not I can afford it. Hold different kettle of Joe, Rick, I have a question for you.
My girl Kate has asked how your house buying journey is going. Where are we at?
Not much further along than we were last time. I was asked for being okay.
Tell me, like, what are the hold ups?
What do we go?
So?
I am looking to build because for the grants that I qualify for, I need to move into a brand new property and in the area I'm looking at purchasing a brand new, pre built property versus building your own, costs are pretty much same same, So I figured I might as well build and get exactly what I want, rather than purchasing something and needing to make some cosmetic changes. But turns out Land is growing at an exponential rate in terms of value, and so I'm looking at an
area quite far outside the city. I had a mortgage broker say to me, maybe you should set your expectations a little bit lower, and I was like, so, like, I'm looking an hour outside little city.
Yeah.
Yeah, it was a male. He also told me I probably should maybe think about getting a boyfriend. Jokes on he might already.
Have one, choking.
Yeah, funnily enough, not my broker anymore. But so, yeah, it's really hard because I'm trying to do it by myself. So I can only get a certain amount of money, and it's a pretty good amount of money that I
qualify for. I have a good deposit. But Land, even since I started kind of looking into things, you know, six to twelve months ago, has grown in value so quickly, and it's so expensive, and it's really disheartening when I go, Okay, well, I can afford the land or I can afford to put a house on it, but right now I can't really do both.
Hich is really sad.
If I'm being honest, it's not very fun to go, Oh my god, I thought I was ready, I thought I was there, I was all set to go, and then it feels like the goalpost has just moved. And I'm sure I'm not the only person feeling that way. It's really tough right now. But yeah, so kind of just still keeping in touch with my current broker, who is incredible. She's one of our brokers and she literally
is the best. So at the moment, I'm just kind of keeping an eye on land prices, hoping to maybe see a bit of a shift, but also like not getting my hoops up too far because I feel like that's kind of what I did and now I'm feeling a little bit sad.
Okay, So why building rather than just buying an existing property.
It is because of like that cost thing a right, Like, so it's the same like if I was looking to purchase a new property in the area that I'm looking in, it would cost me about the same, Okay, And so that's the thing is I'm like, well, if it's going to cost me the same, yeah, you know, I would rather just have it be the way that I want.
As you guys know, I'm a little bit picky if your lifestyle like, and so I was like, even if I did purchase something established, I would be more than likely making changes to it, which is fine, happy to do it. Oh my god, I'd actually love to run a property. That would be so much fun. But yeah, I was kind of like, well, I might as well build, Like if a property came up established and I am keeping an eye on it for the right price, would
be more than helpy to jump in that way. But yeah, it's kind of just at the moment, I can't have want anything.
You don't j here's a lovely question from Lisa. How can I try and not compare my financial lack of success with others' success?
Oh?
Good one coming off the back of that, o'h very nice. I think you know what, You're allowed on some level to compare yourself, because I think it's easier said than done to say, just don't look at what other people are doing. Run your own race. In theory perfection, but in practice it's not gonna happen not in the day and age that we live in where everyone's sharing you know, their wins online, wins in the Facebook group, Instagram whatever. It can be hard, and like I've fallen into that trap.
I know a lot of other people who have. But I think just giving yourself a moment and being like their success or them being successful doesn't mean that I can't be as well. Like, just because you've achieved your dream doesn't mean that there's no room for me to achieve mine. And I think as well, just recognizing that priorities have shifted, you know, like twenty years ago, yeah, you'd have bought a house by the age of twenty one. Also, if you're a woman, you probably weren't having a career.
You probably maybe twenty years is a bit long, but you know, fifty years ago, let's say, there are a lot of things that we weren't able to do. So it's kind of like a give and go, Like we have things and opportunities today that we didn't back then, but that also means that some of the opportunities that people had back then don't exist, if that makes sense. So true, Yeah, yeah, what do you reckon? Like do you deal with that as well, a little bit.
Not necessarily in a financial sense, but it's something I struggle with career wise. I would say, and I think you just need to remind yourself of why you're doing what you're doing and write down your own goals, especially from a financial perspective, I would write down what you want to achieve and focus on that and break it down as well. Like smaller goals, you can tick them off along the way. We always say that it ches
on the money. It's that way of kind of feeling the celebration along the way to your larger goals instead of yeah, comparing yourself to what other people are doing, because they're probably looking at you in some way and being like, oh gosh, like look at her, she's killing it at work. Sure, like you might not feel that yourself,
but other people are always looking at you. Yeah. I think we need to remember that we are the people that we see all of our flaws and we fixate on them, but we don't necessarily see or celebrate the best things about ourselves which everyone else sees. So I think that's important to remember too, Like, we need to be much kinder to ourselves. Something Victoria would say if she was here, and I don't know, treat yourself the way you treat others and celebrate yourself a little bit.
Yeah, you're running your own race exactly. There's no timeline on things, I think as much as you. I remember when I was like sixteen years old, I was like, Yep, I'm going to be married at twenty and I'll have a house at twenty one, and then I'll have a baby at twenty two.
Yep.
And now I'm nearly twenty eight, and I'm like, excuse me, Like those things all seem so far away. Yeah, yeah, don't put timelines on things that don't need to have timelines.
I think that's probably a very female thing as well, because of the whole biological clock that we believe is a tick in. But we need to give ourselves a break, I think, because there's plenty of time, and there's plenty of opportunity, and we're not battling against each other. What does they always say, A rising tide lifts all ships. Let's work together, let's back each other, so instead of comparing ourselves.
I love that question.
Answered it.
On that note.
Somebody asked, what do you guys do for self care? When you're stressed out. Love you girls, Oh, love you too, Nny. What do you do, George? Do you love a little self Camo? Absolutely? I do.
J Rik, I keep it pretty simple.
I love a walk, I love a bath, I love a good podcast. I kind of keep a backlog of my favorites to access on those days when I am feeling a little rough.
So these are all free.
By the way, she's on the Money Connection, So anyone who reads the newsletter actually will know that I'm obsessed with Dolly Olderton. Yes, everything that woman says makes me SMI makes me laugh, So I'll literally I'll listen to a podcast I've listened to a thousand times by her, and it just lifts my spirits. Yeah, and I also love face masks. Who doesn't doesn't. What do you do for self care?
Jay Rick?
I am one of those people who has to be doing something like even if I'm relaxing, my hands need to be busy or my brain is busy. That would sound very not relaxing, I think to a lot of people. But so like, I love to just chuck on a TV series or a movie like I'm all about that in the background, and then I'll be working on something with my hands. I love a crafty moment you do if you're like me and you need something to keep your brain busy or your hands busy, but not necessarily
your brain. I've started doing diamond cross sorry.
So they're like these.
It's like color by numbers but with like little sticky diamond things.
I need to google this. Please do diamond craft.
Yeah, you can get them from km up for literally like five dollars. But they're really fun. It's such a silly thing and then you get this really pretty like piece of art that you can put somewhere or do something with. And for someone like me who just needs to be occupied, it's really stress really mean.
Yeah, do you see what I mean?
I see what you mean, because it's kind of like an active mindfulness, like you're focusing on that that alone, your mind's not wondering.
You put coloring books. I think you're the same kind of thar. Yeah, I don't know what it is. There's something just very very satisfying about that. So, oh my gosh, there's an Alsa one. I love Frozen.
When's your birthday? I want to get your file.
On funny side note, after our Melbourne event, which was back in March. It was a really big morning, so our team had been up since five in the morning. I think we wrapped up at like eleven thirty ish, and V had head to an event and I was going to meet her back at the hotel.
So I was so tired.
I'm an intro if you couldn't tell by my love of Diamondcraft, and so I.
Was like, I just need a little time to relax.
So I ordered some room service and went to put on a movie, and I really wanted to watch Frozen, but they didn't have it, so I instead paid twenty five dollars to watch Frozen two while I ate chips.
Still, it's an act.
Of self care.
I support you.
There you go.
I wish out of a Diamondcraft with me. You mentioned the Newsy before someone asked what's your favorite budget meal? Love all of Geeking's food recos e lad. If you're not getting the newslettering, you're missing out because George has her own personal little spot in there where she gives you a recommendation every week, which quite frequently is food.
Yeah, it certainly is. Last week, it was trying on perfume at Mecha and then leaven because it's for free. Anyway, favorite budget recipes was that the question?
Yeah, or meal?
I mean, you can't go past the pasta because it is cheap and it is always delicious. My favorite meal, when I was living with Victoria's little sister, Devo, and she thought I was disgustin, was just a jar of pesto.
What's that? Two three dollars?
Yep, maybe four dollars in this economy a two dollar bag of parts combine, add some choy tomatoes for some freshness, maybe a handful of spinach. It seems like Devo is quite fancy.
Yeah, so she judged me a little bit.
Devo, if you're listening, how are you? So that's always a good one. But I guess that is quiet basic. I would also say the dumplings that I've popped in the news, Yeah, they're amazing. I'll pop them in this week as well, So if anyone doesn't know what I'm talking about, you can refer to that. I love that someone asked book recommendations financial otherwise you got any that you're reading currently? I mean, She's On the Money by
Victoria Devine. It's an excellent finance book, but beyond that finance.
She's On the Money's second book, investing book. It's out for pre order.
Yes, get your little myths on that. It's all about investing, so you cannot wait to see. But outside of the Shees on the Money universe, George, what are you reading? Okay, I've read two immaculate books this year. Actually, actually like so many. I've really gotten back into reading. But yeah, top two would be The Paye the Palace. I think her name was Miranda Cowley someone. Anyway, everyone read that over the summer. It's a beautiful kind of love story.
It's a beat tread, but it's so much more than a beach tread. I feel like that's almost a dismissive thing to say about often like female literature. So it's not a beat trade. It's an excellent read. And also Love and Virtue. That was probably it's one of the best books I've ever read. The woman who wrote it is only like twenty years old or something.
That's so impressive.
It discusses themes of consent in a really really nuanced, clever way that is not at all patronizing, I would say, or too confronting. So I would really recommend that have you read any good ones this year, Jack.
I was dreading when I asked you this question, I realized you'd ask me about I was kind of dreading it because my taste in books is not sophistic.
Taking the Twilight saga close to.
I like, I like ya or young adult fiction, and I like like a dystopian, like a Hunger Games or nothing.
Today's run up.
Look, I feel like I'm kind of at the point now where I say I like ya and people are like, bestI You're a little bit old that I mentioned Hung Games. I loved the Hunger Games books. I thought they were immaculate, and the movies were also really quite good. But they did a prequel for the Hunger Games, which did you read the series when you were But I loved the movies. They were really really well done. And the thing that I liked about the prequel is it was set with
do you remember President Snow the evil dude? Yes, it was his youth, and so it was a little bit of his origin story, and I'm hoping that there will be more. It's been out for a little while now. I smashed it in like two or three days, and if I'm being honest, I don't read a whole lot lately because I'm just busy and I don't make time for it, so for me to devour it so quickly. If anyone else likes that same genre of book, I
would really recommend it. It was so well done, and I hope that there's another one.
Have you heard of the Harry Potter series, because I've got a feeling it is right up your ellie my, Oh thank you?
Check them out? Yes please?
We also have jay Rich. Just on the book topic. We will move back to money shortly on the Deep Dive episode. We will be talking about the five financial Books that Will Change Your Life. But it is coming out in the next couple of weeks, so yeah, I have a listened to that one for sure. Jayrik, you very rudely are about to hop to Europe, you lucky duck. One of the questions here is how to budget for a holiday? What tips and tricks do you have for the girlies?
Oh maybe this is almost a full podcast topic in and of itself, now that everyone's getting back on the plane,
which is so nice to see. I think finding room to reprioritize in your budget if you're not always saving for holiday so obviously we're just come off the back of COVID and normally i'd kind of have some savings set aside for holidays, whereas i'd kind of reallocated it after two years, I was like that money can be better put to workwhere So if you don't have a fund that you're kind of constantly putting into, I think
reprioritizing your spending. So like for me personally, I think I've said before, I break my budget down really, you know, minutely, and so I have like a fund each month for clothing and a fund each month for shoes. So it's kind of easy to go, Okay, well, that money can be pulled because that's not a need and reallocated.
To the holiday budget.
The other thing I would say, particularly right now, and this is the boat that I found myself in because it was a little bit of a spontaneous trip, like we were just kind of taking advantage of, you know, some sales that we're on on flights and things like that, is if it's within your means, obviously, do not go into debt for a holiday. It's not worth it in
my opinion, But also be gentle on yourself. And so if you need to go, Okay, well, this month, I'm going to put a little bit less into my long term savings. It's actually okay to do that. And I think going back to that thing where you were saying, oh my gosh, we have such clear goals and you know, we're comparing ourselves to others. So for me, the month that we go away, I'll be putting just a little bit less money into my house deposit it out. And
I'm not being mad at myself for that. I'm just kind of going, hey, like, this trip for me is something that's really important, and it's going to be a chance to make good memories and see places that I've never seen, and I value that. So for me, it is worth adjusting my goals slightly just for the short term, or to dip into my emergency funds if I needed to, because I have a pretty significant emergency fund, knowing that I'm going to replenish that money or make it up.
Down the track.
Because George, like you're like me, like you love to travel, right, and I think that it's not a need absolutely, like you know, don't put that above other necessities, but there is a lot of value to be had.
I think from that right, and like, when you're on your deathbed and you look back, will you be like, man, I got into the housing market six months earlier, or I went on an epic holiday, made memories and friendships to last lifetime.
Et cetera. Like what's more important?
I think that we all know and if you're traveling in a group, like find ways to say, like we're staying in a hostile amazing, Yeah, I'm going to Victoria and a couple of our other.
Like weared Victoria's staying in a hostel. Yeah, I know, I'll believe it what I say, send me photo. It's like a room with like six bunk beds. It's gonna be like a giant sleeper. That's There's things like that, I think where you can go. Hey, like we're going to spend nineteen nine percent of our time not in our accommodation. And this is the exact conversation that has had because it's pretty expensive in Europe right now.
It's high season.
Everyone's also getting back after being off for a while, and so we said, oh, like we can have a beautiful hotel, but it's going to cost so much money. And ultimately we all said We're not going to spend a lot of fun there. All I need is a bed. We're all happy to bunk it together, share a bathroom, share a room.
Problems al, that's amazing.
Well, that's another hot tip for budgeting, like think about where you should be allocating your money and where you shouldn't be. Yeah, if you're flying in at ten pm, don't stay somewhere fancies at the airport hotel.
Yeah, and pre purchase I think a lot of your like tickets and stuff as well, because we wanted to go to like see a few shows.
We want to go to Disneyland. I'm so excited in Paris, Yes, in Paris, Oh my god. I lend it all from that.
But yeah, so pre purchasing those expenses because a lot of the time you can get deals if you're doing them in bulk, or it's just more expensive to do things last minute, and a general rule of thumb. So looking at that, plug it all into a spreadsheet. You can bet your bottom dollar that Vihid has put together the spreadsheet to end all spreadsheets, which we're working on convincing her to put that out publicly. So fingers crossed, there will be a travel budget available somewhere soon.
Amazing. All right, I think we've got time for one more today, jay Rick. It's been an absolute pleasure as always. I don't know if that is true for the listeners, but I've had a good time. So this question comes from Casey. How to educate slash help friends on their money journey or when they are struggling.
Oh, it's such a hard one because you don't want to stick your nose in where it doesn't belong exactly, you know. I think people have to be ready to receive advice on something like finance. I think just normalizing the conversations and someone has to take the first step.
And maybe it's you in this situation or the personality in this question, Casey, but I think just talking about money like it's a normal thing, like you're talking about shoes, you know, and talking about salary and budgeting and just peppering it into the conversation like it's a normal thing because it should be, like you shouldn't feel uncomfortable. I don't think talking about how much money you earn or
talking about if you're saving for something. I think that that's a great conversation we're having, and that's Obviously, what we're all about here at Cheese and the Money is we want those conversations to exist. But the only way you're going to make it not awkward is if you act like it's not awkward. And maybe you will feel a little bit uncomfy the first time you do it,
if you've never spoken about those things. But I think you'll find as well that the more you broach the topic, the more comfortable the people you're talking to will become doing the same thing.
Yeah, it's very true. What do you think very true?
Yeah, it's a tough one because we all have such different relationships with money and finance, and we're all different stages of our careers. Some people are still studying, some people have been in the same workplace for eight years and they've really worked their way up to having amazing
salaries and stuff like that. So I think even like subtly being like, oh, I'm listening to this amazing podcast called Cheese on the Money or My Millennial Money or whatever it is, I think that's a really good way of like edging it in there.
Getting people of the socials too, like point in the main direction of our Instagram or another page's Instagram or the Facebook group. There's so many people in there having those conversations that I think if you start seeing those things regularly, it kind of normalizes.
It a bit bit. Yeah, and it makes it more fun as well, and being a part of the community because there's people at every stage of their journey. There's people who are twenty grand in debt. There's people who have three hundred thousand dollars in the bank. So there's someone that you will resonate with within the group, and you'll see the posts and so on and so forth.
So yeah, I would really encourage them to become a part of the Shoes on the Money community, not to plug ourselves tumor, but yeah, I think, as you said, just broaching the conversation as much as you can and maybe like sitting them down if you know that they're
really struggling and being like, sis, how can I help you? Like, let's talk and hear for you, because you know, the longer they keep their heads in the sand, if they are in a really bad predicament, if they're after pay addicts, whatever it may be, if they face it with you, maybe that's like the first step to acknowledging where they're
at and they can create a plan from there. Also, the National Debt Help Plant, they have a series of great financial counselors who are free to access, so if they are in a really sticky spot, that's a really good place to point them as well.
Incredible. I feel like that's a really good place to leave it. I think we covered a little bit of finance. Victoria will hopefully be proud of us. I hope that I can come back next week and still have a job. But before we go, don't forget that the advice shared on Cheese on the Money is generally 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 a financial decision. And yes, Victoria Divine and She's on the Money are authorized representatives of Infocused Securities Australia Proprietary Limited ABM four seven oh nine seven seven nine seven four nine AFSL two three six five two three.
Very well read from you before we head off, guys, as well as we just mentioned, please join us in our Facebook community where she is on the Money on Facebook. We're also on Instagram. We're on TikTok and you may have heard our girl last Saturday morning on KISSFM nine to ten right around the country.
Oh my gosh, I'm exciting.
So she's doing that for the foreseeable future and it's like the podcast but slightly different. So it's called the She's on the Money radio show. And I listened last week a lot of fun.
Yeah, bitter band.
It's a different vibe because obviously in between the songs there's only so much time to be sharing all of the willpower and knowledge that is Victoria to Vine. But like still some really good tips and some good laughs as well.
Yeah, exactly, have a listen. All right, Well, I think let's put a cork in it. We'll see you on Monday saying that guys, Bye, guys,