She's On The Money - Big Financial Decision Drama

Episode Date: December 12, 2024

This week’s episode has everything: baking tips, big financial decisions, and a whole lot of laughs. From Victoria’s breakdown of a sky-high interest car loan to a partner splurging on a second ute (and now eyeing a boat) to the the all-too-relatable Christmas gift stress and offer ideas for navigating the holiday season without overspending or losing your sanity. Whether you’re here for practical advice, broke tips, or just a festive laugh, this episode has something for everyone. Hit play to join the chaos and walk away a little wiser! Anne That English Cleaner Lady! Tik Tok Pecan pie cookie recipe.  Acknowledgement of Country By Natarsha 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.See omnystudio.com/listener for privacy information.

Hello, my name is Natasha Nabanunga-Bamblett. I'm a proud Yorta Yorta, Kernai, Wolperi and Awadjeri woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on Awadjeri country, acknowledging the elders, the ancestors and the next generation coming through. As this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow. Let's get into it. She's on the money. She's on the money.

Hello and welcome to She's On The Money, the podcast that makes finance fun, especially on Fridays. It's our favorite day of the week, no surprises there, because I get the team together and we celebrate you, the incredible She's On The Money community. This week, guess what? Times are changing. Nat, Jessica Ricci, is going to be sharing her favourite money wins and confessions from the community.

Bec is going to be sharing her broke tips and how much she loves Jessica Ricci's cooking. And we're going to be helping to answer a money dilemma. This week we're talking all about a partner who thinks treat yourself is buying a ute or a boat and something that you slid into our DMs about, the pressure of feeling like Christmas is a really big spend-a-thon, which it is, right?

But as always, before we get there, Bec, with a mouthful of cookie, tell me about the cookies that Jess made. Oh, my God. Well, I did take a bite while you were talking. I just literally couldn't control myself. But I've been looking at them and I don't think I can go a whole episode without eating a little bit more. So if you're munching in the background, explain them.

If you go to like a really, really good donut shop and you can smell like the fresh cinnamon donuts, it's like that, it's imagine that smell, the texture of a literal perfect cookie, fudgy. Right, Jess was saying that they're too dry, but they're not. No, no, sorry. That's not right. Also, I don't know if this makes sense, but I personally, I'm a big fan of like hotcakes, McDonald's hotcakes. And it kind of like has. It's got a hotcake vibe. It's got a hotcake vibe in the middle because there's like some sort of maple-y, it's like a pecan.

It's brown, but there's maple in it. Yeah, maple syrup. Oh my God. So it's a pecan pie cookie. Imagine the best cinnamon donut you ever had, the best textured cookie you've ever had, plus caramel on the top with pecans. Caramel, maple syrup, pecan.

You guys are so nice. You are so good at cooking. And Jess was always like, I can't cook, and then she whips things like this out. And you're like, Jessica, I think we have to talk. So you're a liar. Yeah, so you just straight lied to our faces. Be a liar.

Jess, where did you get this recipe? I found it on TikTok. Can we have it in the show notes? Yes, I'll find the link and send it to you. I feel like this would be a really good present because look how cute they are too. So like the vibe of the cookie is very wholesome, very festive. It's got like the dimple.

This is probably too much cookie talk, but like it's important, right? But there's like the dimple in the middle and then it's got the pecans in the middle with the caramel. Like can you imagine getting a plate of those as a gift? Totally, and that's the thing if you're listening and you're like pecans are going to fall off. No, because they do have the little dimple and they're covered in this beautiful maple-y, syrupy thing.

They're so good. If Jessica doesn't share the recipe with us. I'll find it for you. Don't worry. Don't expect to be allowed on the show next week. Yeah, seriously. If Jess is not here next week, you know that she's getting those. She's taking the cookies.

All right. I want to talk about our five-star review that we received this week because it is so sweet and you guys seem to love hearing the five-star reviews because mainly they're just stroking Bec's ego. But this week I picked one that doesn't specifically mention Bec. That's okay. So, Brookie has written in. So, she said, love, love, love, all in capital letters.

You know, it's going to start well. I started listening to the pod about six months before I moved out of home with very minimal financial literacy. I've now been living out of home for three years and I am financially thriving. I used the podcast as a starting point for setting up our finances and organizing our budget when my partner and I moved in together. We are now on track to buy our own property in the next two years. I could not have done this without the beautiful She's On The Money team

and I'm eternally grateful for the advice, guidance and support the girls have given me. So much love for the team. Oh, my God. That's really sweet. Also, Brookie reminds me of Brookie Cookies. That's exactly what I thought. That's on theme for today.

Yeah. Oh, there you go. It's just a baking episode apparently. It's a baking episode. All right. What has the community been baking up, Jessica? Oh, they've been baking up some money wins, may I say. Firstly, this week I have got one from Z who said,

I'm working through my freezer and I'm eating all my frozen stuff to start fresh. I feel like I haven't done a proper grocery shop in two months. Money win. This is one of my favourite things because you know how you – I haven't gone through my freezer in ages. 100% and you'll half eat a meal or you'll buy a pack of sausages and you only use two and you chuck the rest in the freezer.

I guarantee you there's whole meals in your freezer. But I convinced myself, Jess, I convinced myself that I can't remember when I put it in there and then I try to work it out and I'm like, oh it's been more than six months or like it's been like a year or something is it still safe to eat I don't know and then I get stressed and then I I don't throw it out because I get anxious about that so it just stays in my freezer you gotta put a permanent mark a date on whatever you're chucking okay smarty pants I think give that one a go she's a smart cookie I wish I had a cookie money win I don't sadly make one up you'll have a cookie pun in there

somewhere I'll figure it out you'll work it out for her next I've got a money win from Eri, who said she worked for a waste company and they take faulty books from publishers to the dump. So a lot of publishers, you know, things are ruined, you can't send them out, maybe it gets wet or something like that. Every so often, the driver brings some boxes in for the office staff, anything that's good enough that it doesn't need to go to waste. Today, she scored these beauties.

It's two copies of Shoes on the Money that got saved from the waste. Wow. They were with Eri and she already owned it, but I didn't want to send them to the dump. I love that. I thought that was really cute. I've got a pun in my head. Can I say it? Please.

Life's better when you're with She's On For Money. Oh, my God. Retracted. Yeah, I'm not going to. Retracted. Okay, so you know how I was like, ha-ha, I'm so funny. I'm not. This is a finance podcast, not a comedy podcast, so suck it.

We'll stick to finance, perhaps. Hey, yeah. Next, I've got a money win from Hannah who said, money win, I'm upskilling myself and learning how to do builder gel manicures. Oh, my gosh. How fun is it, Jess? It's so fun.

She said she's going to turn it into a little side hustle as well, which lets her be creative and makes extra money. We love that. Great. Next, I've got a money win from Tash who said she had to change her holiday plans but she had booked the really cheap flights that don't include like the changes or the cancellation. Luckily, she called the airline and they were able to change

the destination for her and she only had to pay $90 in change fees, which is a lot of money but better than losing your flights. But a whole new destination. That's pretty good. Yeah. Apparently, they found the cheapest flights for her so she didn't have to pay the difference either. We did that accidentally with Virgin recently, remember?

So, Bec, we went to Sydney just for the day and we were flying back and I had accidentally booked the like flights that have no flexibility on them and we were like, uh-oh, we need to get on the next flight. And usually if you've got like the, what is it? I don't know. I don't know what they're called, like flexi something. Flexi, yeah, sure.

And so you get the flexi flight and when you get to the airport, if you need to change, you can go up to the front desk and be like, hey, could you swap this? And they're usually really like accommodating. and the girl was like oh are you aware that you don't have those flights that you can change and I was at the desk acting like I did I was like oh I was just wondering because I've done it before and I wasn't being rude or anything I was like oh hey I was just wondering if we could change to this flight because I think we're at the airport like three hours early or something so like we

wanted to get on the flight to go home earlier and side note the flight that we were on we had just found out was delayed by like another two hours so it would have been like five hours and And we were like, oh, we could sit at the airport for five hours or I could see if we can spot them. Anyway, the girl was so nice and she was like, look, you're not meant to do this but I'm going to work it out for you. And she got us on the airplane and we were home before we needed to be home.

So you know what it means? It always pays to be kind. It pays to be kind and also to be like a loyalty member because I think because you're – I think because they then saw a platinum. Oh, you're a platinum member. or that's big dog status but also because we fly so often like it just happened it wasn't because I like bought that status like I just do a lot of work all right yeah yeah she was like look I'll

make it work and the rest of the team aren't platinum but she changed all of them as well for me isn't that nice I don't know her name but shout out to the queen at the velocity lounge we love and appreciate you oh and I also really like the pumpkin soup there Honestly, Bec, I walk into the lounge and the first thing I say to Jess is if the soup's not pumpkin, I'm a riot. Like I'm not going to be happy. That's such a funny thing. Like when I go into soup, if I ever go into the lounge, I did with you guys once.

I'm not thinking about soup when I'm in there. Sorry. Really? Aren't you? What are you thinking about? I think about the most unhealthy, like sweet treats, you know, all that kind of stuff. I'm going to have 20 teas. I don't feel like tea, actually.

I don't feel like tea, but I'm going to have so many teas. Yeah, that's fair because they're free. Free coffee. Free sweet. drinks they've got literal free wine free beer like it's actually insane to me and then you're right it is a bit unhinged that i'm excited about just back to you yeah next i've got a money win from lisa who said she needed a new mattress for years she got the email from us this is totally me just stroking our own ego because we save someone some money got an email from us reminding

her she'd get 100 bucks off with that code for koala that we had and then she stacked it with shop back and she managed to save herself $215. So I saved a heap of money because I recently bought Harvey a new cot mattress and I went through Koala because we had a good deal. I'm sorry, like I'm not going to work with brands. I'm not going to use myself. And when the little cot mattress came, it came with a Koala branded book. I don't know if you know this, but they're like baby version is called Joey. I think it's Joey. I didn't know that. Anyway, they come with a book and the book is called Joanna the Goanna and it has very quickly become Harvey's favourite book

and I really like reading it. This is probably like complete side note but I really like reading it because it's also about like recycling and like, you know, saving the planet and like Joanna the Goanna has one eye and like they're like trying to save their planet and they're like basically like, you know, every small step in the right direction is still a step in the right direction and I'm like, oh, this is the narrative I want to be feeding my kid.

So the free book at the bottom of a mattress box has become my kids' favourite book. Lifesaver. That's very cute. It's not even about the mattress at this point. If you can get your hands on that book, it is a good one for kids. There you go. And a good reminder for everyone, while we're all shopping

for Christmas, we just did Black Friday, stack your discount codes with your cash back because I saved, I reckon, about $500 with my black across a few purchases. Okay, sorry, we need to know. Jessica, what were you spending? Because to save $500, you need to be probably spending More than $500. Don't call me out like that.

I bought some contact lenses. I was telling you this last night. Okay, that's boring. It is boring. No, but then you can claim back on health insurance as well. I'm like triple dipping at this point. Clever. She is a discount stacker.

That's so clever. So what else are we buying? Contact lenses? What else did I buy? Because I want something unhinged. I don't want to hear that you were making responsible purchases and planning ahead to save money. Boring.

Most unhinged purchase, if you can remember. I don't know that I made an unhinged perk. I got you. The marketing got me. I posted a TikTok on this. I went to buy my favorite serum, which is expensive. It's like $150, but it was 30% off. The Lancôme Genevieve.

Yeah, you are obsessed with that. I've used that for like a decade. It's really good. It's expensive, but it's good. One time I got sent that in PR and I was like, oh, my God, I got sent that in PR and Jess swiped it. Fair enough. And I was like, I mean, it's really good.

I love it. But also Jess is obsessed, so you can have it. But I was very proud of it. So I went on there to buy that. That was all I was buying. And they had like, you got like a six-piece free gift. I was like, great. And then when I was checking out, it's like, because you've spent $100,

you can buy like this upsell thing. And normally, they always get you. They do always get you. And I looked, I had a little look-see at what was in the box. And I was like, immediately I had to cart the cart. The upsell was $200. Before you freak out on me, you know what was in that box? The same serum.

Another $150 serum. In addition to that, there was $100 eye cream that I also used. So I was like, the box is paid for itself. And then there was like 10 other free items, which I then sold on Facebook Marketplace for $100. Oh my God, she's so good. I don't think we could ever catch her. No, I don't think we can catch her making a bad money decision, but we will continue

to try. And I got $40 cash back as well. So basically I bought one zero and it was just all free. It was great. Oh, that's such a good deal. That is so impressive. You are so impressive. Stacky discounts.

That's all I'm saying. Also, sorry, that was a hack that I don't think we've talked about on the podcast before. Seeing an opportunity like that, and I'm not saying it's a good investment long term, but going, I could sell that on Facebook Marketplace. Did you look on Marketplace first to see what it might sell for? Or are you just like, I've done this so many times, I know. Nah, I just kind of knew. And because I, in my mind, even if I didn't, I was like, oh, I could gift it to someone potentially or whatever. But everything came, I got two really like pretty makeup bags and then so I just kind of split the products across them checked the

retail value because obviously it's all new like I'm not being dodgy or anything checked the retail value each bag was worth like 250 bucks or something what it was so much free stuff so each bag was worth about 250 bucks I chucked them on marketplace and I think I just listed them for like 60 each or something and I and then people negotiated it for 50 bucks each yeah a girl messaged me was like can I do both for 100 and I was like done today yeah so oh my gosh so you technically like I'm just doing some background maths got a $200 product you ended up paying $100 but got your free $150 serum and $100 eye cream yeah as well yeah okay I like game and then I got 40 bucks in cash back as well so I just not to brag I popped off that is so

impressive do you know who's keeping shop back in business just gotta eat absolutely I sure am I love that. All right, moving on to broke tips. Miss Beck, what have you got for us apart from stealing cookies? Okay, so this one comes from a friend of mine. These are all kind of Christmassy. You're getting in a festive mood. Yeah, yeah, yeah.

I like it. It's the mood. It's not a Christmas wind, but like their festive feeling. Festive feeling, exactly. I like that cute festive feeling. Yeah, that's cute. So this first one comes from a friend of mine. She says that if you're, and this might be like, you know,

common knowledge to some extent, but if you're a hospital worker or work in healthcare or anything like that, just be open to working at least one of the public holidays. I remember when I worked at this like I used to work at like line painting, you know, the car parks and stuff. You know, we used to paint all that kind of stuff. What? And they offered me $1,000.

That sounds so fun. I know. It was really fun. They offered me $1,000 to work Christmas Day and I was like. Immediately, yes. Immediately, yes. I've worked a few Christmas days in my hospital life. And it's like there's no better feeling.

Like I understand that you're like missing out on family time and maybe you have to work the mornings and that's when everyone does presents but if you you know just have a chat with everyone and like try and work around it like there's no better feeling than finishing uh like a day's work and also knowing that you just made so much money and then going home and just being able to go and spend time with your family now uninterrupted you've got so much money you've probably made all the money that you spent back I didn't make a thousand dollars though like I remember working Christmas day because I worked at a restaurant way back when and every year like somehow now I'm thinking

about it they'll be like oh V but everybody else has families oh so did I but I had no children yeah um and we'd work Christmas day but the vibes were real high I was totally all the kitchen staff were being festive like obviously the people that were there were there for their Christmas dinners like it was actually just a really fun and they only made us do either a lunch or a dinner service Like we didn't ever have to do the back-to-back and I kind of vibed it. I feel like there's some unwritten rule that like Christmas, public holidays, Christmas day, Boxing Day, all that, like everyone kind of can do the bare minimum.

Like Boxing Day, obviously you'll run off your feet if you're in retail or something. But like there's an unspoken rule, like you get a good plate of food, like you get a little bit extra time on your break. Like everyone's just chill because you're putting in the hard yards. It makes me now think of all of our like frontline workers. So like all of the nurses, the doctors, Like literally everyone who's going to have to work Christmas Day.

Well, I now get to have a full Christmas Day, which is really nice, but I didn't always have that. But just shout out to you because that is like that's the reason why we are safe on Christmas Day when all of the kids get their new trampoline, double bounce their siblings straight off that trampoline and end up in emergency and we're okay because you're there. Yeah, shout out to everyone working the Christmas Day. Speaking of double bouncing, complete side note.

Yeah. I feel like in 2024, like I'm seeing all of the trampolines with like the side netting and stuff. I don't know about you, but my favourite game on our old school, definitely above ground, no net, no bumper. Just metal. Just metal on metal. My favourite, do you remember the game Crack the Egg?

Oh, my God, yeah. Yeah, yeah, yeah. I love that game. My sister and I used to play that game and like for those of you who don't know what we're talking about, one person bundles up like a little ball and sits in the fetal position on the trampoline while the other person jumps aggressively on the trampoline trying to bounce them off.

Our game was bounce the other person completely off the trampoline. Oh, that's aggressive. Yeah. Wow. I guess you can't do that anymore with the nets. I don't know. I'm just really concerned. Like my baby's in the next few months probably going to start walking.

Is this what I'm in for? Absolutely. Definitely. It comes back tenfold. My intrusive thought with the Nets is just that I want to hurdle myself at them as fast as humanly possible to see if I bounce back. But I'm assuming the chances are I wouldn't. I just go through.

We should go to bounce, actually. I've always wanted to go to bounce. Have you not been? No. No, I want to go to. All right, well, we'll do a little team thing. Oh, my God, cute. But I do have to be really clear before we get there

and before you consent to coming with me. I have never gone to bounce and not had someone who's been with me break a bone. Oh, my God. Shot it hot? Shot it hot, yeah. Shot it hot, shot it hot. Like every time I've been. That's crazy.

And it hasn't been a kid. How many times is it, like twice? Three times. I have been to bounce three times. And every single time? Every single time. Yeah. Wow.

Yeah. The first time I went, my ex-boyfriend broke his leg. Yeah, we don't care about that. Really bad. Leg? Yeah, we don't care about that. Whatever, whatever. The next time, my friend fractured the bone in the top of her foot.

Okay. By like landing on the side of a trampoline, kind of like really hard, came down and like landed weird. And the next time, one of my friends broke his arm. Oh, God. Track record says it's mainly males who do act really reckless. Feeling good about that. We should go.

We should go. If it's just us and I'm the most mask of the group, that means it's going to be me. You're on the chopping block. I can't. I reckon you'll be fine. I reckon you'll be fine. Do you think so? I reckon it's just because men make dumb decisions.

Yeah, true. Yeah. I'm so excited. What's your next bro tip? Oh, yeah, sorry. But we're not double bouncing each other, okay? No cracking the egg. No cracking the egg.

Yeah, that's fair. Maybe you and me can do it in Jesse's work. Yeah, for sure. What's your next bro tip? Okay, so this next one is also probably common knowledge. But common knowledge ain't that common. Exactly. And also I feel like it's a good, these are just good reminders.

You know, like a lot of, I feel like a lot of families, maybe it's just my family, but I do hear of like friends and stuff. They're like, oh, we're having Christmas dinner at mine, so that means I've got to get everything and, you know, it's very stressful, you've got to do all the cooking. But no more of that. From now until forever, if you have people coming to your house or you're going to someone else's house, the rule is now everyone

must bring a dish, one dish. Everyone just does one dish and that's it, even if it's two of you. We did that recently for the Zella team. Like it wasn't Christmas. They wanted to do Thanksgiving but Friendsgiving, And so everybody just brought a dish. Yeah. It made it so easy.

That's it. It's all you need. That one comes from Amanda, I should say. Sorry, I didn't even give the name of the other one. I feel like when people are like, oh, that's such common knowledge, you need to do a little bit of a reminder or a little bit of a self-check and be like, I know that, but not everybody knows that. Yeah, yeah, yeah.

And I learnt very early on, like in my early 20s when I moved out into share houses, that we don't all have the same experience growing up. Like we don't all learn how to do the same things. Like I remember one of my girlfriends that I lived with, she was like, hey, this is really embarrassing. Can you show me how you like you always iron? Like I'm a psycho. I know Jess.

Do you even own an iron? I do not. Yeah. She refuses to buy things that you have to iron. I hail that. You do you. I'm an iron girl. I love a crispy shirt.

She was like, can you teach me how to iron a shirt? She just didn't know how. And I remember at that time I was like, oh, my God, how do you not know how to iron a shirt? And in retrospect, I'm like, oh, V, you were being a bit rude. Like, we don't just learn this stuff. If someone didn't teach you or share with you a small tip or a small trick along the way, we can ask our friends.

And I know that you might have been like, oh, like, it's not that common, but you can all bring a plate. Like, you might have grown up in a family where when you're hosting, everything is on you and that's the expectation. And you're like, oh, well, you know, if Jess said she's coming to my house, like, I'll say oh no don't bring anything Jess like that's your default you don't have to do that and I think just being given permission or having these conversations goes oh hold on so you're saying I could make Jess bring snacks to my house yeah it's pretty good to me that is a great deal and

her cookies 10 out of 10 absolutely um I used to get so anxious because I also grew up in a house where we didn't like host dinners or even like you know I didn't even know what a quilt and like the difference between a blanket or a quilt or a comforter was. And so when I went out and bought my first blanket set. Am I meant to know that? I think it's like a comforter is maybe something you put on your lounge or something like that or like something you put over the toppers. Comforters are self-coverage.

Of course, Jess knows. She's my blanket queen. So a comforter is – it's kind of like a duvet. It's usually a little bit thinner. Duvet? Or duvet, doona. She's too fancy. Some people use quilt and doona interchangeably.

But quilt is like the – you don't take the outside off, Whereas your doona is like your white plush thing that you put on, like your heavy thing that you change the cover on. The quilt is often decorative, but some people like them because they're lighter. I have a doona then. You have a doona, yes. Totally.

Even like napkin, like, you know, when you go to a place and they give you a napkin, I didn't know what to do with that until literally, I'm not joking, this year. Like I was like, I didn't know what any of these means. Or like the material one. Yeah, I'm like, I don't know. And then they will probably use their lap. I was like, what?

In my house, when you're really fancy, they do it for you. Yeah, yeah. I'm like, okay, well, now I can't move my legs. I feel uncomfortable. So have you noticed, whenever we've been out for dinner or, like, lunch or something, have you noticed I always do it before they can get to me? I need to start doing that. Yeah, I don't want you doing that.

I feel so uncomfortable. I know that it's, like, part of the service, but, like... Sure. It makes you look cozy. I'm like, ah! I just feel silly. Like, I'm like, oh, like, I can just put it on my lap. It doesn't make you feel...

Like, I don't want you to have to do that for... Like, I know that's such a... Anyway, yeah. No, I know what you mean. It does make you feel like a tiny baby. Yeah, 100%. But you're right. Like, there's so many silly little things that people just don't know.

Yeah, absolutely. Because everyone grew up different. Yeah, everyone grew up different. I was thinking about this for, like, a series on my Instagram or something. Yeah. Just, like, stuff that your big sister's teaching you or something like that. They're my favourite. Is it a good thing?

Yeah, because there's TikTokers. Sorry, we're getting so far off track, everybody. But I feel like it's related to the She's On The Money community. Yeah. I love the idea. One of my favourite TikTokers is this little old British lady named Anne. Oh, I love Anne. Who teaches you how to clean stuff.

Yes. Oh, cool. And she's so, we'll put her in the show now. It's shown out to Anne. I love that woman. Yeah, I would like to see that. Oh, my God. She's so wholesome too.

Like you can tell by her tone that she's so nonjudgmental. She like, she stitches videos and she'll be like, oh, hey, babe, I see that you've done X, Y, Z. What I would actually do is get out the sards and use some cold water in this and you're just like. She just knows everything. She just knows everything. Oh, my God.

I love the most times I've seen this. I'll show you after. I feel like I am that person. I am ADHD. So I'm jack of all trades, scared of none. So I give everything a crack. And I grew up with a mum who has not been diagnosed with ADHD. But if you see the two of us together, you'll be like, wow, the apple doesn't fall that far from the tree. And that's a compliment. So if you're my mum and you're listening, that's not a bad thing. But I don't know one thing that that woman can't do. She can sew, she can bake, she can cook, she can clean she like if you were like oh I need to build a chicken coop she'd be like say less

like this woman can do everything yeah and growing up I was in the very privileged position of oh do you want to do that we'll work it out and so I've just hey Jess I can sew I can bake I can stitch people like where did you learn how to do cross stitch I'm like can't you all do cross stitch you just learn it you just do it anyway I think that that would be a fun series Beck have you got anything else for us yes okay and so my one um these are all kind of like similar ish um this one's not really a broke tip but i guess it's just a good idea if for any friend group or any family group that wants to try to not spend any money this year this year or actually i've this has gone on for a few years now but my one of my friend groups we do this thing called shitty

christmas and um these are the rules of shitty christmas no spending one cent on the gift or wrapping winner is the shittiest gift of them all sorry everyone for all the swearing and we'll have their name engraved on the golden turd i i actually do you have it are you telling me you have a trophy we have a golden turd that you're being just like those you know those cheap engravings you probably get them from like i don't know yeah no i do know spotlight and stuff if you leave behind your present or wrapping uh 20 penalty goes into the christmas pool for next year so i guess if you leave behind your rubbish you have to leave it exactly and so that that amount of money will go into the pool for next year so if you want to you know maybe get a new

golden turd or whatever that is so that is you find people and then with the fine money they're buying golden turds Jessica it's money well spent as far as I'm concerned I am screaming crying on the inside perfect so this is what's your shittiest gift that you've ever gotten okay so I um yeah I want to know who's winning yeah last year I didn't go but some like okay so someone did a um I can't fully remember what it was, but it was very funny. It was like a cute, someone gave just like a piece of paper with a QR code on it and you scan the QR code. It's Ellen DeGeneres doing something. I can't remember what it was, but I'll try and find it for you guys. Just like really silly things like that. And you have to be like, it's so fun because you get so creative. It is so funny. It

is so silly. And you don't spend a single cent. Ideally, if you spend 10 cents on printing off a QR code, maybe that's cheating, but that's okay. So just a good idea for anyone who is like, I don't want that cosplay money, let's try and do that. You know, something like that. I think that's really fun because it really forces you to be creative. Yes, and the $20 can go toward the food next year, whatever, you know. I think that's really fun. All right, let's go to a really quick break because on the flip side,

we're going to be talking about a partner who thinks that a treat yourself present is like a ute or a boat. What in the world? And then we're going to be chatting about something that you slid into our DMs about, and that's the pressure of feeling like Christmas is just one big spend-a-thon. So guys, don't go anywhere. Welcome back, everyone. Let's take a listen to this week's Money Dilemma. Hi there. Have you got a money dilemma you just can't solve? The She's On The Money team is here

to help. Every week, we tackle your dilemmas, both big and small, to answer your most burning money, career and life questions. To get involved, simply head to our website and leave us a short voice recording and you might just find yourself on the show. Now let's take a listen to this week's Money Dilemma. Hey girls, just a little bit of a money dilemma. What would you do if your boyfriend of three years has just gone out and brought a brand new ute? At a $45,000 loan, a 19% interest rate and over five years. Don't get me wrong, I really like this ute. I love it actually, but we didn't need to get in debt for this because we've already got another ute. We also have a boat, whereas now you would like to go and get a $20,000 loan now to buy a bigger

boat, but it's not much bigger. And we've already got a boat and we've already got a ute and now we've got a new ute. I really don't know what I can say to him and I really don't know how I can express the way I'm feeling. I'm feeling really unsure, unsettled, and I'm starting to stress a lot. Before this, our finances were great. Our five-year goal of a baby buying a moving state was really on track. We're in our early 20s. I know we don't have anything to lose right now, but I'm really worried. Thanks. Any advice would be amazing or what can I say or what would you do would be super, super grateful. Thanks, guys. Also, I love yous. I love yous lots. First of all, I don't know who this lovely person is, but they sound like such a ball of fun.

Yeah. And I just, I need to know them. I love her. She's so funny. She's like, she was like, well, I love the ute too, but, you know, I'm like, that is so, oh my God, what a legend. Congratulations on having your new ute. Those things. That is incredible.

We've already got a boat. We've already got a ute. That's incredible. You've already achieved some pretty good money goals. Yeah. I guess it sounds like, you know, we don't have heaps of context, but it sounds like they're already pretty well off if they have those things. And I mean, I could be completely wrong. Maybe they worked for a long time to buy those things and now they're just kind of like, you know,

comfortable or less than. But I guess it is a thing we hear a lot. And if you have shared financial goals which it sounds like you guys do it's really not okay for your partner to be making that like such big grand financial decisions that will actually affect you and your shared financial goals I don't think it's okay I mean if you feel like you want validation that's all I'm going to tell you I don't have any financial advice obviously because I am not the one but Jess might have something better. I think it's hard because she didn't say whether or not they share finances, because I think the more intertwined, like I agree if you have shared financial goals, you should absolutely still be talking. But I think particularly if you share

finances, you really have a strong case to be like, hey, my dude, like not okay. I think that honestly, exactly what you said to us is what I think you should say to him. You're at the point where obviously these things are not things that you can just return to the store. But I guess there's a conversation around, okay, well, are we selling the other ute and the other boat? Like we don't need two of each. Like let's be practical. Let's make some money back. And then I think the bigger conversation is around, I think we've mentioned this before, but like setting your threshold for purchases. So if you share finances or share financial goals, I think having a number and that number is going to look different for everyone. But for example, if I'm going to spend

over $1,000. I'm going to talk to my partner about it and be like, hey, I want to do this. It's not necessarily asking for permission, but it's creating an opportunity to discuss how is this going to impact the things that we want to do? Because for example, taking out a loan on a car, if you're going to want to move states or buy a house, that's going to impact your ability to do that. And so even if he's paying for that completely out of his own money, it still warrants a conversation. I think this applies on both sides. the same applies to her as well. Like it's an equal thing or it should be across both partners that you're having conversations about these big things. And I don't think it needs to be any

harder than that. And if he's a nice person and he loves you, he will hear you out is kind of my thoughts on that. Yeah, I agree. I have two streams of conversation to have. So let's have the first conversation and that's around shared financial goals. So I've done some maths and as you guys know I own a finance company. So, my team actually finance cars all the time. Yes, it's not amazing debt, but I think we also are very on the same page about understanding that sometimes we just need to finance car. Like your family's growing, you need a bigger car or you need a ute. Like not in this particular situation, but you need a ute for work, otherwise you can't work, right? So, we do a lot of car financing and I'm going to give you a really good comparison that's going to

make your eyes water in a hot second. But I just went with the standard, like you're paying every month, five year term, $10 a month fees, which is pretty standard. But at 19%, that means you're paying $1,177 a month. Can you imagine if you were saving for a home together and now your partner has decided to take $1,177 from your shared goals and putting it towards a car loan? Like that's not very live, love, laugh. That's not very prioritizing our financial goals. Like I would be personally, to put it lightly, off it if my husband came home and said, I've just signed up to a five-year loan at 19%. I haven't consulted you. It's going to mean that if we wanted to achieve any other financial goals, it's not going to happen. So $1,177 a month for a whole year,

that's $14,124. That's like someone's rent. It's not just someone's rent. It's like literally someone's rent. Like it's someone's rent. It is a year's worth of savings. That is a whole ass massive emergency fund. That is multiple holidays throughout the year. That could be a holiday and a new reasonably priced secondhand car. That is school fees for an entire year of private school. Like we're trying to contextualize this a little bit because that is a lot, but I also did some further maths. So this is the second stream. So the first one was like, I can't believe someone is making, and I would feel really upset if my husband was making big financial decisions that compromise my financial security into the future without me.

Like if it was a joint decision and you both had sat down, you did your numbers and you said, right, well, we're both on the same page. We both want this ute. We both are happy with the terms of the arrangement, who am I to judge? But right now you're telling me that your partner prioritized his wants over your shared goals. And that's a bit ick, if I'm being honest. On the flip side, I did the maths because 19% is an incredibly high interest rate on car finance. That is what on average, I would say a credit card in Australia is. So $45,000 at a 19% interest rate over five years means that you're paying a total of $70,639 for a $45,000 car. Wow. Oh my God. That sounds illegal.

That means you are overpaying $25,639 for this car. And we know that the second, so you went and bought this car, brand new, fantastic. You drove it off the lot. It already lost value. So, you've already lost like $35,000, I'd say, $30,000 to $35,000 by making this decision because you can't sell that car for what you owe, nor can you sell that car for what it ultimately costs you over that five-year time period. Are we saying that all car finance is bad? Absolutely not. 19% exorbitant. I would never let a client do that. So, if you came to me and said, V, I want a car loan. I would be like, probably not that one. We recently at Zella financed a car loan, $60,000 car, 6.72%, which by the way is what on average I would say home loans at the moment,

we're getting them for like 6.2%. So like not that much more than property. And I'm not saying that that's good, but I'm giving you a bit of context here. That means that every month, context first, for the $45,000 ute, that was costing them $1,177 per month, right? For our clients at Zella who ended up getting car finance and really needing it, for 6.72%, they were paying $1,190 a month for a $60,000 car, right? And they were paying a total of $71,000 over the life of the loan. So yes, the loan would cost them about $11,000, but it's not $25,639. Yes, I see. Like we're not, I feel like when we make these decisions, we go, oh, it's a bit of interest,

whatever. It makes my monthly payments a little bit more. Like we've all been there. Like Beck, you and I have been in debt. Jess, you've been in debt as well, probably not as significantly as Beck and I. Thank God. She's the smarter one of the group. She's the smarter one. Yeah, she will give that to her. She's also way better at begging. But that is crippling. And that mindset exists, right? Like I remember when I got my personal loan, I was like, whatever, it's a monthly payment. I'm happy to pay that monthly payment for this lifestyle, or I'm happy to, you know, do that value exchange. But no one sat me down and said, well, this is actually what

it costs. Like, does your partner know that that $45,000 car is actually costing him about 70 grand. Is he aware of that? Is he comfortable with that? If I put that on paper, is that a good financial decision? On the flip side, remember that client that I was telling you about? 60 grand. Yeah, they're paying $71,000 over the long term. That's actually a work vehicle. So they actually need that to generate an income. And they're very happy with the idea that over the next five years, they'll pay about $11,000 to have access to that car. But that means that they're going to be able to generate a full-time income. So they're like, oh, 11 grand. I'm probably paying about two and a half grand a year for the privilege of having a car loan.

And they're like, oh, that like, it's a lot of money still, but two and a half thousand dollars a year that I'm happy to pay that in order to get the car now, instead of saving for five years to be able to afford it. And I think that that's where we need to go back to it. That's a great point. Like no one gives the context. And I guess that's where I shoot myself in the foot. And I won't say we lose clients. I think we gain clients, but then we don't make any money off them because so many times people come to Zella and they say, oh V, we really want a car loan. And like, we're happy to do them. Like if that's in line with your values, slay, I can organize that. But sometimes our brokers get involved and they're like, are you sure you want to do that? Just a

car? Do you want to just have a chat about that? Because we kind of have our morals hat on as well. and we want to make sure that you're in the best possible position. But that tells me that he hasn't thought about the long-term plan because what logical person goes, I impulse purchased a $45,000 ute with 19% finance and I'm totally okay with that. Because me being me, you could have got better finance elsewhere, I'm assuming. So that 19%, I'm assuming it was like in dealer. So like you walked in on the lot and there was probably a finance person sitting in a desk over to the left and you went, oh, I'd love to buy this car, Beck. And then Beck says, oh, did you need finance for that? And I say, yeah, yeah, yeah. Oh, come over and just quickly

say Jessica, she can sort you out. And Jessica would have been like, okay, cool. So I can probably let you drive home with that today. So these are the terms and conditions. You're so excited. You haven't even thought about the interest rate and they go, oh, look, it's usually your 22% interest rate, but I'm going to cut that down to 19. And you go, oh, that sounds like a good discount. No worries. You don't even think about it. You sign straight up. That is how it happens often. And it's a slippery slope. But I contextualized it a little bit for you. Now, I think everyone has the ick about it. Yeah. I think just take that information to him and have an open chat because your feelings about it. I'm going to email you my numbers and be like,

hey, no worries, just show your partner this because you can also potentially go back and work that out. Or what you can do is talk to a finance professional and potentially have that car refinanced. So what that would mean is the finance amount and the amount owing would stay the same, which is okay because you still have the asset, but you go to somebody who can get you a better car loan. We pay out the first one with the second loan and then you pay off the second loan, which would hopefully be at a lower interest rate. If I'm being honest, you have whittled down your options though. So you're not like on a completely level playing field with somebody who has a brand new car that they haven't driven off the lot yet, but it's probably a really

good idea to get a second opinion and just put yourself in the best financial position. Don't even get me started on the boat. Yeah, we're not touching the boat. We're not touching the boat. We have no time. We're going to sail away. Let's move on because I I just want to like I love you so much I want to shake your partner so hard and be like what were you doing yeah what were you doing I'd like a ute do you know what you'd look so hot but you'd look so hot in a ute thank you you would I agree like I don't want to be that person but I kind of agree but all right let's move on we have a dm do you guys want to get into that yes please All right. So here is the dam we received this week. Hey, team. Every Christmas, my in-laws

insist on buying individual gifts for everyone, no matter how big the family has grown. They say it's part of the holiday magic. But for me, all that overspending, overconsumption are a waste and really taking the magic away. Last year, I scrambled to buy thoughtful gifts for people I barely know. I overspent and I still feel like it wasn't enough. I suggested we switch to Secret Santa to ease the stress, but they were not open to it. They think it would take the joy out of the season, but honestly, the pressure to keep up is doing that for me already. Is there a way to simplify things that still respect their traditions? I want Christmas to feel meaningful, not overwhelming. It's so hard, isn't it? Because I think everyone has their own perspectives and

feelings on Christmas. If you have two really strong, different feelings, it's a hard thing to reconcile I feel like I've seen this a lot I've been having a lot of conversations in my dms recently about Christmas and like I suppose intergenerational wealth so like the older generation like the boomers being like no but that's the Christmas magic but they also have the disposable income to spend on that and it's not painful for them to do that like they're like no of course I want to get Jessica a present of course her new partner Beck is coming I'm going to bring back a present like and you know what that's so nice like the idea that gift giving is their love language and they want to allocate their resources to you guys so nice but they're

not seeing it from the other perspective that when I receive a hundred dollar gift there's that expectation to give one back and if you're going into a situation where there's 14 people coming to Christmas is that actually reasonable to expect of everyone financially yeah it's crazy we're in middle of a cost of living crisis yeah it's sad that they didn't want to do because my normal suggestion would be like a secret Santa like that's the obvious choice and she's clearly trying to pitch it already she's like hey if me personally if that was the case and I couldn't afford to do the gifts or like the stress of it or whatever and I was like I need to give something but like they're not meeting me at the table with the secrets anything I would probably do

like bake something like I would I would ask you to bake me something don't give me presents bring any food. I think like food is, you know, if you do a big batch of the same thing for everybody, it can be like reasonably affordable. And you can still, I think if you present it really beautifully, I'm thinking that these people sound kind of selfish and maybe they won't appreciate it, but like. Yeah, that's a vibe I get too. That's a vibe I was getting, but I didn't want to say it. So I'm glad you did. If that's the case though, you're never going to be able to win is my kind of thought. And so I think like, if like, I think cooking comes from the heart, you can dress it up really beautifully, like put it in beautiful packaging, maybe write out,

you know, a recipe or pick a meaningful recipe. It's a family recipe or my personal favorite and I wanted to share it with you. You can, you know, give them a little tea towel or something if you want to add something to it. But I think baking is a really good gift to give to lots of people because you enjoy food, you share food. But I honestly, my deep down feeling, you're just not going to win and that kind of sucks. But like if they're going to hold that against you, they're kind of shitty people. Yeah, totally. I was going to say too, like if you are just grappling with these particular people and everyone else is pretty chill because I feel like this is not some completely alien concept. Like literally Christmas is stressful. Right now I'm sitting

here. I actually have anxiety about this conversation about how much money I'm going to have to spend over the next month. And so it's not a foreign concept. Like people understand that. So if this is the only one or two people that are kind of like pushing back on this, maybe like talk to everyone else and just get those two people presents and be like for everyone else let's all do a secret Santa or let's all do nothing because I'm sure if you're thinking it other people are probably thinking I can't afford this either like this is excessive this is yeah surely you're not the only one surely and maybe this is just stereotyping but I'm assuming it's coming from like the matriarch in the family who's like running the Christmas stuff and you

all go to her house like I don't know this is very stereotypical but I feel like that's often the type of person that pushes that narrative. And I don't know how you would approach this because so many people have so many different ways, but I do believe they might have their blinkers on a bit and they're not seeing the world for the situation we are generally in. They're just seeing their situation and going, but it's fine. And that's really nice. But maybe even contextualizing it and being like, hey, cool. Like I've actually done the maths on this and I've worked out that it'll cost me $1,400 just on gifts before I even come to Christmas. And that's just not financially viable for me and seeing if that context helps because often people will push back on you when they don't have a full comprehension of the situation.

Like if I've never been in your shoes, Bec, and I go, well, it's not that hard. It's like someone trying to explain their anxiety to you. Like I am someone that's not scared of spiders. Like I genuinely am not. I'm like, oh, hey, friend, you're a big boy. like when I see a huntsman, Jessica would fly across the room. Like she even smelled, like she thinks there might be a spider. She's not going in that room. So like trying to explain that to somebody and going, but I'm fine with it. Why isn't Jessica fine with it?

That's not fair. And the same thing exists around money. So I think we need to give somebody else the context because in this situation, let's pretend it's spiders. Jess might go, hey V, my heart rate goes up significantly I get anxious I get sweaty hands like it's I can't even think straight like it is so uncomfortable for me that I never want to be in that situation for me that's not my experience but by being able to contextualize it and see that oh well that's Jess's experience far out I'm going to step in and be like all right well you stay outside I'm going to deal with the spider and I'll let you know when it's all done and gone right you can sympathize easier exactly and I think that by giving people more context and going hey cool

I did the maths and it's $1,400 for me just to come if my partner's also buying gifts that's now $2,800 across the whole family we're spending $30,000 this year on presents do you know what I mean like we could extrapolate that out and go that's insane that's not in line with our values at all or on the flip side this is probably a little bit more rogue hey that's fantastic we won't be participating. Could you just circulate? People don't have to buy for us. They can buy for absolutely everybody else. We know that by opting out of this, we're not going to receive any gifts, but we're also not going to give any gifts on the day. You know, Jess and I, we're going to bake a big batch of cookies and bring all of the food and the vibes like we'll

be there. And in fact, our kids would love to do a little secret Santa. So maybe we could do that in addition. Are you interested? We could just get the kids in on that and still have something that aligns with their values, all right, no worries, you do your thing then. But I'm actually not going to be actively participating in that and see how that goes. And I think it's all about being as positive as possible during that because these situations, money, Christmas, emotions, everyone can start yelling really quickly. Everyone can start typing in group chat in capital letters. And I think that just by going, okay, cool, this is pushing me to my limits, but I'm going to maintain kindness and I'm always going to try and approach every response with

empathy. Hey, I can totally see where you're coming from, but unfortunately that doesn't align with what we are trying to work towards for Christmas. And like, as you know, the three of us, we're kind of people pleasers. Like I'm not the type of person that's like, I'm sorry, Becca, I'm not doing that. I want to be like, oh, actually that $1,400 that we took, and this is just like the number I've picked out of my head. We don't know if that's the number. This $1,400 is actually going to go towards, we're planning on taking the kids on a holiday later this year and we've budgeted about $2,500. So between us, like that's actually our holiday budget. You know, makes sense. Ha ha. Like I think if you need to contextualize it, you can do that.

But also no, nobody deserves an explanation. You're allowed to say no, you're a grown adult. Yeah. I totally forget that sometimes. Yeah. Like genuinely, I'm like, oh, no is an option. like no and the other thing jess no is a full sentence that's true i understand the how uncomfortable it would be a hundred percent social pariah yeah a hundred percent but people are probably going to be you might be shocked you might be on your side and be like oh my god yeah i've been someone else for years someone else is thinking it yeah we did we used to do that in our family and then i don't know who pitched it but now we do secret santa and that's actually really fun because the cap for us in our family is I think it's $50 a present but that's like our

total Christmas budget for that side of the family so that yes for us is quite reasonable and then someone gets a good present like we all walk away with a good $50 present on the flip side I think I've told you guys this before we do homemade handmade or secondhand yes and so it has to be one of those three and that becomes fun it's like your like shitty Christmas yeah where is kind of like gamified, like what's the best gift I can get secondhand on Facebook Marketplace, which is really fun. It is fun. Yeah.

What did everyone else say? Okay, so we had a lot of opinions. First one we said, which one are you? 85% of you said we are Team Secret Santa. 15% said we are Team Buy for Everyone. Oh, must be nice. Yes. Or stressful.

No, it's not very stressful. No, I'm not on the team. We then asked, how are you feeling about Christmas this year? 43% of you said that you were feeling stressed about overspending. Yeah. So, Bec, when you said, I'm really already stressed about this, so is most of our community. 43% agreed with you.

They were like, Bec, we are all so stressed. Very comforting. Do you know what? Maybe our community are better at money than we are because 46% of you said, I'm actually a Christmas budgeting queen. Sly. Oh, great. Must be nice.

And 11% of you said, I'm happy to blow the budget. It's Christmas. Well, you know what? you're allowed you can do whatever you want as long as it's in line with your values like beck if you said well i want to blow my budget every christmas i'll be like okay well if you thought about it cool like all i want you to do is think about it and make sure that it's not compromising your bigger financial goals maybe christmas is like jess's christmas crazy and we love that maybe that's like the biggest thing that you're budgeting for the entire year because you cannot

not wait for Christmas. I'm not going to yuck your yum. Like I'm not going to stop you from doing something that's so aligned to your values. But isn't it cool that by going through the steps on these conversations, we're getting clearer on our own values. You're probably thinking, oh, well, I do do that or I don't do that. But you've probably never thought about it before. You just go through the motions every year. So we then said to the community, what is your two One person said, this sounds like I could have written it. King to hear answers. It is so hard.

Someone else said, ask if you can do thriftmas or put a $20 spend limit on each person or make gifts instead. Yeah. Yeah. We've got the cookie recipe for Jess's pecan pie cookies in the show notes, so you're welcome. Someone else said, just buy everyone the same book. Obviously the She's On The Money book.

Yeah, imagine everyone got a copy of She's On The Money. that would be really cute buy everyone the same book do it then someone said bonus points if it's that she's on the money book you're an icon another person said you need the problem person to think it's their idea somehow oh clever I like this this is a little bit psychological maybe you could pull them aside and be like we're in the middle of a cost of living crisis I think it would take the pressure off everybody. Maybe you could pitch the idea. Let's just see how it goes. Yeah. Oh, that is nifty. I wish I'd thought of that one. Someone else said, feeling like a grinch for having to give gifts for the sake of it. Yes, true. You shouldn't have to do something

you don't want to do is what it like ultimately comes down to. Someone else said, my mother-in-law was the same it took two years of us suggesting and building support but this is year one of only buying one gift great i love this someone else said give that mental load back to her partner her in-law gifts should be her partner's responsibility there you go huh pot take yeah diy something small i reckon like your christmas crack and wrap up some for everybody cute christmas crack is so good instagram we do we'll link it in the show notes as well They're really good. Because it's super easy.

Jess, were the cookies easy to make or are they, like, complicated? I would say mid. Like, they're not like a choc-chip cookie because you have to make the pecan topping separate to the, you know what I mean? But it's not. It's not hard. No, no, no. Like, I can do it and I maintain I'm not a particularly good cook.

So, like, I think it's. What's the dishes? Nah, like two pans in the mixing bowl, really. Okay, yeah. And you're measuring cups and spoons, which I feel like is pretty standard. There's air. That's fine. Yeah, that's all right.

We could do that. We could do that. Cooking with Bea and Bec. Someone else said, I love gift giving, but I'm not offended if it's not reciprocated. Opt out, you queen. Amen. In fact, I find it really interesting, this concept of gift giving.

Like if I'm giving you a gift, it's not because I'm expecting something in return. I'm giving you a gift because I think you are going to love it. This idea that it needs to be reciprocated equally too. Like I bought you $100 gift or you bought me $100 gift, so I've got to give you. No. Absolutely not.

No. it's just it's love gift giving is meant to be and if it's not your love language that's so fun exactly imagine we put that that blanket rule over everything like I'm gonna go get you a coffee so therefore today you've got to get do a good deed for me you know what I mean it's like no you just like do nice things because you feel like you want to do a nice thing yeah and yeah if you are giving gifts in that way this is probably really nasty but that's okay you were never giving the gift for that person to benefit you were giving the gift to get something in return and that's actually not gift giving. Hey, true. Yeah. So anyway, that is probably a negative place to leave it. So let

me change it into a positive. I have a really great Christmas present suggestion, and that is my new book that came out a couple of weeks ago, The Business Bible Hitchells, which is so exciting because I feel like I probably haven't promoted this enough, but it's not just for like building a she's on the money size business. It's for side hustlers and earning some extra income on the side and managing that properly. And I think that there's for a very long time been this massive misconception that if you start a side hustle, you need to scale it to become your full-time income. Like Jess, how many times have you been asked, oh, you have a side hustle. When are you going to be a full-time influencer? And I think that we need to decipher that and champion the

teeny tiny micro businesses because you need the same structure. Like Jess, you still have to do the same tax return as a big business, but you don't get the advice. So it's from small micro businesses to changing into a company for the first time, to taking your first million, to taking your first eight figures. And I think that it's a scalable book that's also really fun because it's full of business diaries. So from all of my favorite business owners around Australia, they've come together and been like, oh, this is what I struggled with. This was really hard. I still don't know what i'm doing and that was my favorite part so anyway that would be a very good christmas present and it's probably on sale right now we'll link it in the show notes as well because

honestly if you're buying my books not using a discount code or a sale are you even a proper she's on the money member we support you all right thank you so much it has been a pleasure we will see you guys bright and early on monday for a money diary bye guys bye The advice shared on She's on the Money is general in nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, 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

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