Just before we get started, we'd like to acknowledge and pay respect to Australia's Aboriginal and torrest Rate islander peoples. 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 for millennials who want financial freedom. Over the last few years, we have seen so many of you transform your relationships with money. We've seen prolific spenders become savvy savers. We've seen micro investors opening on share folios, and we've seen after pay addicts closing their accounts.
For good legends.
What we've also noticed, though, is that many of us who have worked so hard to overhaul our finances and now starting to feel a sense of guilt around our spending. Not only is this feeling a drainer, but surprisingly it can also serve to jeopardize our finances. My name is Georgia King, and joining me to unpack how we can manage spending guilt is financial advisor Victoria Devine.
Hello, what was the.
Last thing you felt guilty about purchasing? My girl?
Oh?
Are we really doing?
This?
Was your engagement party quite recently? Ask about I know you can ask about the shoes, isn't it could be the shoes. Yeah, I spend a lot of money on a pair of shoes. I regret nothing good. I don't feel guilty.
Interesting because it was email budget. It's one of those things who for those of you playing along at home, I bought a very very nice pair of Jimmy Choo shoes. They have pink bows, ones on the front, ones on the back, very sassy, very I felt very mean, like very basically you were basically the blush of shees on the money, same color, like I just felt like I needed them, but they were a part of the budget. And what was not a part of the budget was
a headband. And I really wanted a headband, but I wasn't going to spend thousands of dollars on the one that I actually wanted, so I just crafted it myself, jeeking with a sassy little three dollar clearance Kmart headband and I hands stitched some pearls onto it from a necklace I bought from Diva in circa twenty ten.
Stop it. It worked well and well it looked impressive. We were talking before the show and apparently you got lots of dms about where you I have found this.
But I made it, guys. But it's all about balance, and it's all about purchasing in line with your values. And it's not something that I do all the time, going and buying a pair of designer shoes. And you know what, I didn't even know if that's the most relatable example, but I wanted to give it because it's a real one from my life and it's just one of those things that it made me feel special. I have worked my hardest over the last couple of years, and do you know what I feel like?
I deserve to.
Feel really nice, and so do you, guys. It's not necessary about achievement. It's not about having to mark very important things with big purchases. It's more about looking after yourself and knowing that self care is really important and it does actually stretch into our finances. But we're going to break down exactly why you might be feeling guilty and how that works and how to overcome it throughout the show.
Ji, Yeah, It's definitely something that I've struggled with in the past, so I am very excited about I feel.
Like you're a frugal little spender. I was give us the goss. How'd you get through that? Why did you get through that?
In terms of overcoming that feeling of it?
Used to be so frugal in a good way, Like that's why you have a very healthy savings account. It's not a bad habit to have, but feeling guilty about purchases, that is a bad habit.
You know what.
I think it is really tied to my personality. I'm someone who like prides myself on myself discipline, which might be surprising because I feel like on the podcast I come across as a bit of a goose.
You're not a ghost, nobody thinks you're a goost.
Well maybe that was a very goose like voice, but I think it got pretty unhealthy. Not nothing too serious, but yeah, it just I was not really reaping any reward from how hard I was working, and I just kind of it kind of clicked for me that you can enjoy the fruits of your labor.
We can our last dome.
Yes. And you know, also I probably started earning a little bit more money as well as I graduate a little bit better and came a work She's on the money correct. Yeah, So I don't know. I guess that's my little story.
But I like that and I think it's really relatable. And I think a lot of us, especially on our money journeys, we've got our heads in the sand about our spending and then we pull them out and we get our budget together, and we get our finances together, and we're talking about cash flow and we've done what we think is the best thing for us. But then we start to feel really guilty about looking after ourselves.
Or you know, a couple of weeks ago, we had somebody write in and their money when it was buying jeans and not feeling guilty about it.
Really, I love that.
I really loved that, because you deserve to be looked after as well, Like you're not working this hard for just future you. I think life is about the journey as much as it is about the destination, which if you've ever met my dad, Eric design, he says all all the time, And I think it's about, you know, making sure that you're looked after, but also looking after
yourself in the interim exactly. And that needs to be built into our budgets and our cash flow because otherwise we end up burnt out, or we might end up absolutely blowing at all, or not liking the budgeting process or not liking managing money at all because it just consistently stresses you out.
Yeah, one hundred percent. Let's talk about guilty pleasures.
Fee, Pana chocolate, Pana chocolate and Pana ice cream or now you can get it on sale for like seven dollars a tab at Cols. Sometimes Pana ice cream and ice cream.
Have you tried the banana one?
Yeah, the banana the Banoffi one is the best. But you're talking about money.
Guilty question, So back on track, Fee, We love our pana, But do you believe in guilty pleasures as like an idea as a concept?
Absolutely? I Do we all deserve a little pick me up sometimes, whether that is ice cream or financial or it is you know, looking after ourselves and giving ourselves a little pedicure after a long week at work. Like, it doesn't matter what it is, it doesn't have to be expensive, or it could be really expensive, like the time I bought those shoes for my engagement and I regret absolutely nothing about it. Someone asked me if I was trying to sell them. I was like, oh, no,
very achievement to me. I'm probably going to box them, like in a clear box and put them in my wardrobe. So I look at them every day because I'm obsessed. But having guilty pleasures is so important because it's again really tired to self care. So before we keep talking about our guilty pleasures of making them, okay, let's actually unpack for a minute what is guilty. Let's talk about
how that works. So when you hurt somebody else, guilt is an absolutely natural and very important emotional response that encourages the repair of valuable relationships and discourages acts that could damage them. So that's kind of nice to know that as humans, that's ingrained in us. I think there are some people who don't have that, and that's kind of scary, but that's all right. But what about when you hurt yourself by going against your own standards or
your own plans. Guilty is a very important indicator of this, and it actually can be super productive if you're paying attention to it and you're looking at what that's trying to tell you. So we're not saying have no guilt, ever, like don't feel guilty over your spending, Like you probably should be experiencing a bit of guilt if you've been budgeting and saving for ages and then you go and blow it on something that wasn't aligned to your values
or your goals. But there's probably a reason you've done that. We need to deeply understand that as opposed to crucifying ourselves. And I think we also hold a lot of guilt about our historics. Right, So, like people often say to me like, oh my gosh, I wish that I had done better, I wish I knew better, or I'm so stupid I never did X, Y and Z. But I do genuinely believe that that doesn't help anybody, like harboring guilt for past decisions that arguably never hurt anybody except
for your financial position. Like that's past you, and they did the best that they called with the tools and the resources they had at the time. It's not necessarily about going wish I knew better. G I can't believe it I was so dumb. You weren't so dumb. You just didn't have the tools and resources that you have today. And that's fine, and we're learning and growing. But when you're spending, it is a cognitive battle for hills between your emotions and then the rational parts of your brain.
As the part of the brain that's involved in spending is actually the same part that loves the good dopamine hit g and like spending that gives you that dopamine hit. That's why some people have spending addictions and shopping addictions, because it's not actually about the item they're purchasing. It's about the thrill that they experience when they part with some money, which is really traumatic and can be really
hard for a lot of people. And I think too often it's trivialized in a way that makes people feel like crap about themselves.
G Like the Diaries of a Shopoholic?
Like cool? Would you have a TV show called the Diaries of an alcoholic? Yeah?
No?
Like it just makes me feel a bit ick, But that's me because I am so wildly passionate about and cover myself. That sounds weird. I don't cover myself in money, but I definitely surround myself with money conversations, so I feel like I understand it a bit deeper than the average bear.
So do you not go home and have baths in cash?
I don't know.
I thought that's what you did.
It's actually yeah, no, no, no, I just like use it as the like the wash cloth in the shower.
Oh, gorgeous, gorgeous. I want to give you some stats. I love stat stats, skills, marriaging. It's been a while I wanted to take a look at the money that
Australians have and are allocating. So, according to the ABS in twenty twenty one, the average household spends one four hundred and twenty five dollars per week on essential and non essential living expenses, with the top expenses being housing costs two hundred and seventy nine dollars makes sense, Food and non alcoholic beverages two hundred and thirty seven dollars. That comes in at transport is then two hundred and seven dollars, and recreation is one hundred and seventy two.
I wish I knew what they were doing for recreation.
Yeah, well, I guess that's you know, catching up at the bar for a little bevy.
Yeah, all right, I feel like I don't have enough hobbies. I feel like I need more recreation in my life. I just work. You know, you meet them at parties, They're like, what do you do? And you kind of go. I don't really want to tell them what I do for work, but they're like, what do you do for fun? And I don't really know. Work is fun, work is really fun.
Let's look at low income households now, so they dedicate a relatively higher portion of their spending to housings. That's trying to makes sense because housing's expend exactly. Food and non alcoholic beverages come in at nineteen percent, Domestic fuel and power is then five percent, and that's compared to high income households, which are so eighteen percent, fourteen percent, and two percent respectively.
Wow, that's quite interesting. I feel like it's super interesting. But I also think that we need to realize that spending money is necessary to live in our world. We shouldn't feel guilty about spending at all. And it's not like you're listening to this episode for me to give you permission and go, all right, ge, don't feel guilty anymore about spending money. It's more about going, well, why
do you feel guilty? How does this work? Can we break this down a little bit more, because from my perspective, spending around guilt comes from a couple of places. It could be ingrained in your money story. You could have had a money story where you feel really guilty because you grew up maybe in poverty, and now you're absolutely thriving, and you just feel really awful about the fact that you know your parents couldn't do what you get to do today, and that can lead to some guilt which
I genuinely think you should get some therapy for. Like, genuinely there is nothing better than therapy, and I'm sure that basically everybody in the Shees on the Money team is going to tell you that. But it's one of those things where it could be so ingrained in your money story that you didn't even know that that's where
it was coming from. It could be the flip side where you just feel out of control and therefore guilty because you're like, oh my gosh, I just bought this new skirt and I think I have rent or I think I have a bill coming up. Because you're not clear on your budget, or your cash flow or what's coming up. We're in reality, a budget should actually be
a tool that empowers us. It shouldn't be a tool where it limits us and goes all, right, JA, so we've done your budget, seventy bucks a week on groceries done, Wham bam, thank you, ma'am. Like that is not how it works. It's actually about truly understanding how much money is coming into your account and how much leaves it and for what. It's not about judging ourselves on those splits.
And that's actually why in my book and in everything that we have spoken about historically, it's really about your money. It's not about percentages. And I know the other advisors historically have always said, oh, spend you know, thirty percent on this and twenty percent on this and save ten percent. Like,
I just don't think that works for anybody. And the stats you just shared were really reflective of that, because you look at people who are on lower incomes, and of course they are going to spend a higher percentage of their income on housing because housing is really expensive. But if you are making bank and decide to live in, you know, a cheaper house, you can spend like five
percent on rent. So I think it's really unfair to set similar standards or similar percentage points for people, because if you're on a forty thousand dollar income, that split is going to be very significantly different to someone who's earning four hundred thousand dollars. It's so important to contextualize that, but also give yourself permission to spend on yourself and go all right, well regardless of whether I am a low income or a high income, and I still deserve
something for me if it's in budget. And I mean, this is a very privileged position to be in, Like you might feel really guilty because you're leaving off benefits and you have two kids to feed and you just don't have the capacity to save. And I'm very very aware that that is a situation that exists in our country. It's not to say that you should feel guilty about spending like, I just want you as well to be
empowered about the decisions you're making around money. It's not to say, oh my gosh, well you should be saving instead. That's not it at all. It's about relieving the guilt you feel when you make a transaction. And sometimes people feel guilty around their energy bill, like that's a hygiene factor. G. We have to pay our energy bill and others are just feeling guilty when they spend an extra couple of
dollars on a latte once a week. I think we really need to give ourselves permission to live the lives where you want to, because you freaking deserve to.
But in saying that as well, don't just put it all on after pay and worry about it later.
Yeah, no, no, no, it's no, it's spending the money you have. We're not talking about going into debt like that's another story. Yes, you're really trying to make me rant.
Oh triggered. Let's stay on track. How prevalent is guilt around spend? I know we see it in the community all the time. We do so like anecdotally, we see it really often. Yes, we've seen it so often. G. We did a whole episode on it.
You're welcome. But a study done in twenty eighteen actually revealed that seventy two percent of Australians g had guilt when spending, and twenty two percent of those experienced that feeling regularly.
How awful interesting?
Seventy two percent of our community feel guilt when spending and then twenty two percent of that group they feel that consistently. That's a really big number of people.
G massive, that's really I didn't expect it to be that large, actually no.
I thought that like maybe like thirty percent of people felt guilty, but like seventy two percent is massive. And then further to that, an American study done in twenty nineteen by our leading crowdsource shopping platform commissioned a survey of two thousand Americans, and that revealed that more than half of Americans say they feel guilty about spending money. That kind of makes sense, but Australia we feel even more guilty.
There's also a difference in gender, right, of.
Course, is there's always a different in gender. Twenty two percent of our Australian respondents they actually refrain from buying things that they couldn't afford, and females actually three times more likely than a male to feel guilty around this spending habits. Go figure, Jeeking, It's not surprising, is it.
No? What do you put that down to though? Just our general likesting?
Yeah, yeah, I think the general pressure on us to exist and be profitable and fruitful and all of those other things, Like I just think that the pressure on women is so much more significant than it is on men. And I mean, I could rant about how the entire world was made for men here, like from the way our bank accounts work, to medications and testing all the way through to the way that jobs work. Like the world was basically made for men, and then there's women.
We came in and had to slot into the way that they work. And I say this not just because I'm like, oh, we have to slot into a man's world, but there is literally scientific research that says that men actually exist on a twenty four hour circadium cycle, So they have hormones in their body same way as we do, but their hormones peak in the morning and then all throughout the day they dwindle and they get tired and they go back and they are literally most productive between
nine and five PM. Go figure. But then women, our cycle g goes through twenty eight days, and there are different times at which we have different hormones running through our bodies based on how our bodies work. So literally, the nine to five grind doesn't work for women, but
we've slotted into it anyway. So I feel like we are already uncomfortable with the way we generate income and do life, so I'm genuinely not surprised that women are feeling worse about this, because we just feel worse about the way everything works.
Really, that's interesting.
It's super pervy, isn't it.
You're like, what, so you know, I feel like there's almost a perception that the interests of women are more frivolous, so we might spend money on makeup and pretty addresses and stuff like that, whereas men, I don't know what they're buying. Soccerble is that? Yeah, that's where my mind went.
I mean, that's what my partner does, soccer balls, golf balls, golf outfits. Recently kids, we.
Love golf kits. So do you think there is then this idea that our interests are silly, so we should feel guilty for spending our money on such silly little things, little girly things like Is there any truth in that? Do you think?
Absolutely not? Because as much as that's ingrained in us, and obviously we are very much of the opinion that you should only ever do things that make you happy. It's not for other people, but like those things were made to please men, like there were handbooks on how we should behave and how we should apply makeup before our husbands came home in the nineteen fifties, Like, these things are basically to appease men, like and I don't
dress for men. I dress to impress other women. Otherwise I wouldn't have bought expensive shoes, you know, because no man that I am aware of that is straight is ever going to be like, oh v god shoes, love the double box, love the double bo who designed bows. I mean, all my gay friends, they were like, oh my god, them Yeah, they're like literally they all knew.
But it's one of those things where I think that it's ingrained in us, but we really need to distill down why it's ingrained in us and whether that actually makes us happy And is it such a bad thing to be spending money on things that make us happy and more productive and makes us feel good to go to work, Like no, it's the cost of being alive.
Interesting. I love where this episode is going. It's become quite the feminist little rant, and that's what we're about here. Money that is very unlike me, unlike us. I think for now we'll go to a little break and then we'll jump back on the other side. Victoria Devine, what causes guilt and what do you think that tells us about ourselves? And like human psychology, you have a background in psych talks through it.
Oh look, I'm not practicing psych Can you imagine if I was?
It's good.
I just go on rants like I just don't know how someone who has such strong opinions like I do would ever be a really really good psychologist, because like, can you imagine I'd be sitting in like a therapy session with someone and they'd be telling me about their shitty partner, and I'd be like, all right, Georgia, you just leave, you just gotta leave. Like I would not be a helpful therapist. Maybe that's helpful though. I would
have been kicked out of the industry. That's why I ended up in finance, because they're all dodgy here, right. But yeah, on guilt again, we covered this at the start, but it's really good to recap. It's a symptom of inaction or not being in control, and most of us, especially women, love to feel like we are in control. So it's really about understanding a money story and where that's coming from. And why we might feel that way. And a money story isn't necessarily just how you grew
up around money. It could be Gee, you're just feeling really guilty because you've got a pay rise and it's a really nice pay rise, but you haven't done anything with it. You've just started spending some money and then you know, looked at your bank account at the end of the month and you're like, wow, like, I already spent everything that I earned in addition to what I used to do, and you're feeling a bit of guilt
about that. So I don't think it's always a really really bad thing, but I think if you are feeling guilt around money, we actually need to sit down and have a chat. You and I need to go through your budget and through your cash flow and go why
are you feeling like this? And are the purchases you are making reasonable or not, because sometimes they are going to be more than reasonable and you should harbor absolutely no guilt about them at all, Like you need a new pair of jeans or you need to buy a new pair of shoes for work. And this is like a reminder to all of my nurse friends who haven't bought new shoes for work that they keep telling themselves
to do. Go and do that. But it's one of those things that maybe if you are being a little bit naughty with your spending and you're not on top of your budget and cash flow, that guilt could be an indicator that we just need to make some changes, We need to tighten things up and do a little bit of reflecting. But at the end of the day, both of those outcomes are going to be managed by a good and solid cash flow plan. It's not about
being on a strict budget. It's about understanding every dollar that comes in and every dollar that goes out.
Gee amazing, And we will dig into those solutions a little later in the show. I want us to ask you if spending guilt is different to other kinds of money related guilt.
I think it is, But I think guilt around money is a very common theme in our community. Whether that is guilt from having money or saving money, or you feel as though maybe you don't deserve the money that you have been afforded from an inheritance, which we've covered in an entire episode on its own g But then there's also guilt where you have our earned parents or our earned family members or even for just friends. And I think that we really need to break that down
about why, when, where, how, how does that work? And communication is the key here. We need to be talking about what we are earning and talking about what we're spending, and surrounding ourselves with people who are so supportive of us. No one should be making you feel shitty about how much you earn, whether it's too little or too much, Like that is not a conversation anybody should be having with you. They should be so supportive of whatever you're up to.
Let's have a little chat now about our friends at after pay.
V Oh, and that's a very liberal term to have used in the same sentence as after pay.
Anyone who's ever listened to this show, I would say, is pretty aware of our true feelings about after Pay. Would you say that one of its biggest dangers is that we actually bypass the important regulator of guilt when using it.
Yes, absolutely, How many times and you know I haven't done this, but how many times have people been like on the iconic and they're like, oh my god, that's a gorgeous dress. So much easier to swallow if it's just fifty bucks every so often, right, Like that's much easier. So they're kind of taking the pain out of the transaction.
And that's something that I'm really passionate about talking about, and that's why I have the banking structure that I have, where I think I've spoken about it historically, and if not, go back and listen to our budget and cash flow episodes.
But I'm very passionate about having a food, fuel, and fun account, and that's where all my money for my groceries and my brunches and my drinks with my friends go, any fun I'm having, and when I go to the petrol station, and that's basically a debit card that I just tap when I am spending that money, and I
never feel guilty because it's pre allocated. But the reason it's pre allocated is because I know in my head how much each week gets transferred to that account and what I can spend and I still am in control of that transaction and how much it kind of hurts in a way. I don't want to use the word hurt, but you know exactly what I mean. But I want to feel that I want to go okay. I know that I've got two hundred and fifty dollars in that account, and I'm going to go out for brunch and I'm
going to shout George. So that's fifty, okay, I'll have two hundred at the end of it, and I keep track of it in that way, whereas you tend to lose control of what you owe and how you owe it and where it's going when you're like, oh, I'll just chuck it on after pay because it doesn't feel
like a real transaction. You feel like you're getting that outcome, like you're like you get that dopamine hit of the transaction, you get the dopamine hit of getting the gorgeous new dress, but you don't get any of the pain of separating yourself from that money. And I think it's really detrimental because it's manifesting in I guess short term gratification being
the norm. And if you compare that to historically, we all know a mum that headed to the Mornington target in July for the toy to put stuff on layby for Christmas. And that was a genius idea where mums could budget and make sure that they had everything that they wanted for Christmas. That year by putting it on
layby and paying it off over time. But it also fostered long term gratification because how often did they pick up a toy or you know, I know that sometimes I got to pick one out and it would go on to the layby and I was like psyched about it. From July to December. I knew it was coming, was this long term gratification, And when I finally got it that toy was epic. When was the last time you had that feeling?
Yeah, you've nailed it.
I just feel like we don't have that anymore familiar instant. Yeah, I don't think we should have such an instant gratification because it leads to us not caring about things. It leads to us not seeing the value in the things that we purchase. Like, it's just such a nasty tool that puts us on the back foot, really, And like, I don't mean to keep talking about my engagement shoes,
but I do adore them. I separated my up and created a little fund for that and kept putting money in until I knew I could afford them, And then a couple of weeks before my engagement, I ended up buying them because I had enough money in that account for them, and then they were sitting in my wardrobe
and I could not wait to put them on. But for me, that was a bit of a long term gratification thing because I knew what I was working towards, where so often we're not planning purchases with after pay And I've had a lot of people message me and they're like, Victoria, I don't know where you're talking about. People should just use it responsibly. It works really well for me, Like I just use it, and it means that I don't have to separate with my money, and
I can budget and I can cash flow better. And I'm just like, great, But you're not the majority. You're the minority, and that's exactly how you would be using it. And I would have no negative opinions on buy now, pay later if that's how everybody used it. But how many people get buy now, pay later with the intention of doing just that, and then it spirals out of control.
Like we literally had a money dires George who was like, oh, I've spent like eighty grand on after pay and I just didn't know until I'd calculated it.
Yeah, yeah, yeah, Like.
That's not who we are. That's not in line with our values. And I think that if it works for you, great, Like the business as a whole is clearly a very well run business. It is doing things that a lot of businesses wish they could. And as an investor, quote cool, I see the value. But as a consumer who cares about their community. I just don't see it as a positive thing.
Well, like, a little bit of guilt is probably a good thing, right, Like, obviously we're condemning it on a larger scale through this episode, and we're really unpacking how dangerous it can be and how it's a little bit of guilt's good. It can stop from making some silly, silly choices exactly, Like it's one of the reasons why we don't do some things.
You'd be like, oh, I wish I could do that, but I'd feel guilty, like I'm not going to take advantage of a situation. I feel like I am talking about this, I guess arguably really passionately because I harbor a lot of guilt. I always feel guilty about everything I do. I'm like, oh my God, Like, did I just say something that would have offended Georgia, Like she said bye, but usually she says, but I love you, Like,
do you know what I mean? Like, I'm someone who is arguably very self were but also quite anxious, and I think for anybody else who does have anxiety like that is heightened, like and it's even worse because you're like, oh my god, like you catastrophize it and it blows out of proportion. So I think writing things down, doing a bit of journaling, understanding your budget and your cash flow is going to put you in a far better
position because you can contextualize it. This isn't actually that bad. I shouldn't feel bad about spending money on things that I genuinely need.
Gil, You've just gone exactly where I was about to finish today's episode. I wanted to talk through some of the real solutions, but.
Not my anxiety. Oh okay, yeah, no problems. Let's talk about solutions. Let's talk about solutions.
So we were talking about like journaling and writing things down and figuring it out that way. What else can we do?
There's a free budget on the She's on the money website that you can go and download that is super basic, but it does what you need it to do to get a good idea of what's coming into your bank account and what is leaving, so I would do that. Cash flow plan is very very important. Obviously, I am a very passionate believer in now By and cash Flow master Class, because it doesn't just set you up with a budget, like it's not the free budget on the website.
It's an entire tool that then tells you how to save for your goals, and it breaks everything down into the bank accounts that you need to have. So not only is it like, okay, we'll have these six bank accounts, it tells you, based on what you choose, whether it's weekly, monthly, fortnightly, annually, how much money needs to go into each of those accounts to make those goals actually happen. So I'm a
big believer of that. But it's also about kind of planning joy and making sure that in your budget you have things for you. Let's be reasonable about ours spending. If you're going to go and download the budget and start filling it in, don't just look at the incidentals that you go, well, rent okay, phone bill okay, Like go and print out and you guys are going to
hate this. Go and print out three months worth of your bank statements, because I guarantee you you are spending money on things that you don't even know you're spending money on, like oh, I have coffee here and there, not worth putting in the budget. Yes it is. Go and have a look at your spending over the last
three months and take two different colored highlighters. Grab a green one for the things that are out of your control like rent and bills and you know, paying for childcare and things that you cannot right now control, and then get a different color highlight up and highlight all those distractionary costs, like what are you actually spending on Uber eats? What are you actually spending going out for a quick bev on Friday night with the girls? Because
those things do add up. And if you're feeling guilty about your spending, let's just normalize it. Let's work out a place to have bevies with the girls on a Friday night in your budget, baby, exactly, so you don't feel guilty about that, because we don't want that. That's not living.
G No, that's not living. I love this episode, My Girl, a really good conversation about the importance of balance. I feel I think so which, yeah, we can all think we've done. Absolutely we are. Shall I do the rep I would love to show it once again. Alrighty guys, please remember that the advice shed 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 a financial decision. And we promise. Victoria Divine is an authorized representative of in Focused Securities Australia Propriety Limited ABN four seven zero nine seven seven nine seven zero four nine AFOSL two three six five two three stellar perfect.
She did so well. You are learning very nicely. But you know where else you learn? Geking in our Facebook group?
Certainly we would love.
To see you there if you haven't joined already. It is where our community shares money, tips and tricks every single week, free of judgment. So She's on the money on Facebook and join us, We would love it. Please, please please do basically begging now, if you think we're begging, don't come.
It's all good.
But if facebook's not, you think you can find us on Instagram where she's on the money a US where als are on TikTok. We're not good on TikTok. We aren't gen Z, but we are trying and we would appreciate your support. See you later, guys.
Bye, guys. Do you think they were