She's On The Money - FRIDAY DRINKS: So Over Unpaid Overtime!

Episode Date: December 15, 2022

Happy Friday! We celebrate the end of the week with a wrap of the week, share your money wins and losses and answer a Money Dilemma all about where to store large amounts of money. PLUS the gals talk all about the social and financial cost of unpaid overtime. 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, Kurni, Wolperi and Awadjuri 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 Awadjuri 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 for millennials who want financial freedom. Today is Friday, which means it is time to sit back with Jess and I with maybe a bevy in hand to unpack our favorite moments of the week. And of course, to celebrate you, our She's on the Money community. As always, we're going to be sharing our money tips and tricks. We're going to talk about our favorite money wins, and we're going to be discussing what's making news in the finance world. And we're going to be helping to answer a juicy, juicy money question, which this week is about where the best place is to keep a large sum of money. But first, it is time to recap the week that was, and I'm going to start with our money diary for Monday, Miss Jess Cricci,

which this week's money diarist, what would I say, Jess? She floored me. She was incredible, as all of our diarists are, but she essentially landed her dream job and realized it wasn't her dream job. Like, it was just not what she wanted to be doing, and she had a lot going on, like, so much so at the same time as realizing that her dream job wasn't her dream job basically having crippling anxiety and finding herself crying on the floor most nights she found out that her 16 year old dog was really unwell and after a year and a half of vet bills that added up to more than twenty thousand dollars jess her her pooch passed away which was really sad but while that was happening her dad's cancer returned and he was given a really short time to live and he passed

away in July of last year, but putting all of her job and stuff on hold, she was able to go and spend a whole heap of time with her dad, which was really, really beautiful. And she got some amazing memories with him. And obviously that wouldn't have been possible if she'd stayed in the job and like stayed committed because it was literally interstate. So it was just such a story where you're like, wow, like that's such a process and so much emotional trauma going on at the same time. But then to also see how she was living her values at the same time as going through a traumatic time like yes her dad was really struggling and her dog had passed away and it was really really awful but she was also like do you know what I got to prioritize you know spending

time with my family and moving back home and doing these things that really were of value to me and now she works in her real dream job which is a complete pivot from where she was which is a not-for-profit job where she does earn more but she says her cup is more full and I just think how good are values like it just it makes me so happy that our community is finding their feet not just oh I'm really rich like that doesn't matter honestly it's so much more than money and I just yeah I really liked this because I think a lot of people would be able to resonate with you know just the anxiety part or even the dog or even a parent being unwell and just she was beautiful human and I want to be her best friend Jess oh we love a happy ending how exciting

I'm so happy for her yeah well moving on from that because that was beautiful but also our deep dive was good. We were helping around some festive topics. Jessica, your favorite. What were you talking about this week? So this week we tackled navigating social and financial anxiety around Christmas time, which we know statistically that people's mental health tends to take a bit of a downturn at this time of year. I feel like even mine does and I've got no reason. I just feel like it's the overwhelm at this period of year and you're just like, there's so much, right? So much going on. I think for people, the financial burden is really heavy. On top of that, people who already have maybe poor

relationships with family or friends or people who are feeling isolated might really feel like that's heightened at this time of year because there's that narrative around, spend time with your family, do this, do that. And not everybody has that same experience. So that can be really tough for people. Keeping up with the Joneses, getting the best presents. There are so many things that can stress people out. And so we really wanted to talk about what those things look like, some coping mechanisms that you might be able to use and just kind of really hopefully reaffirming for people that as much as I am the biggest fan of this time of year, it is also just another day, you know, in the calendar of life, like another day is going to come and we don't

want people to be putting themselves in that position where they're stressing themselves out over something that ultimately in the scheme of things, it doesn't, it doesn't matter. And I was thinking about this the other day, because as you know, I also, I love Christmas. I can't get on board your Halloween love and passion, but I will get on your festive train. I was just thinking about it the other day, that Christmas doesn't matter to some people. Other days of the year do though. Like some people are all about birthdays. You know what?

Some people are all about Valentine's Day. If you're Jessica Ricci, you're about every single day of every single year that has every single kind of festive. Can you dress up for it? Jess is in. Exactly. Like Jess is in. But it's really interesting seeing people's values play out.

And I don't think there's anything wrong with just going, I don't really do anything for Christmas. No, I celebrate Hanukkah. Like, that's fine. Like, there's so many things that just, it doesn't matter. And I think there's so much social pressure to have the best day ever on Christmas Day. And I was talking to one of my girlfriends and all of her family is interstate. And she's like, oh, we're not going interstate this year.

Ended up being too hard. Like, her parents are divorced. So it was going to be like on two ends of the spectrum. Like, either she went with her mom or she went with her dad. And then everyone was doing different things. like one was going to breakfast and then lunch. And she just was like, I'm not flying all the way there to go for a lunch that then everyone has to be out by two to get to this other thing because there was driving involved. She's like, so I think I'm just hoping for a hot day on Christmas day and

I'll just go to the beach or something and read a new book. And I was like, how good is that? So I just think let's celebrate having a day where you put yourself first and let's celebrate having a day where if it's just too much, you do get to opt out. It's your day. If mentally you're just like, I don't even want to go see these people. Don't. Don't. You want to go to Christmas with a friend? Do it. I've invited so many of my friends that I know are going to be orphans on Christmas is what we've been calling them. I'm like, why don't you come over to mine? My mum will love it. Mum will be like, sick, more children to feed. She's going to adore it. But I just think that it's so dated when you talk about the traditions of Christmas because the

nuclear family, I would just say is dead at this point. Yeah. It's shifted and it's changed. So hopefully a lot of people listened to that episode and felt a little bit reaffirmed in the decisions that they're making or felt a little bit more comforted by it because we felt like it was a really important thing to touch on because, as you said, we've been feeling it a little bit and we have no doubt that other people have been as well. 100%. So we hope you have a good day regardless of what you are doing. And if you don't have a good day, there's tomorrow. But let's get on to our Budget Direct Money Wins and Confessions from this week. Ms. Jessica Ryuchi, what are you bringing to the table for us. Are they all festive? No, they're not. Oh, come on. You've

let yourself down. That was a rookie mistake by me, but I do have some good ones. So I'm going to start off with Courtney, who has a couple of small money wins for us. She said, number one, I found an old Mikey card that had expired three years ago. I rang up and I got the balance that was on the card refunded. Oh, what? I didn't even know that was a thing. Literally me too. Hot tip though, you can register your Mikeys. And I recommend this as a gal who used to always lose her MyKeys and thus the money on the MyKey. If you register them, if you lose the card, you can just cancel the card and transfer the money to a new one, Jess. Oh, that's a good tip. Well, she said she used the money from her refund to pick up a ticket

to the She's On The Money International Women's Day Perth event, which we haven't even spoken about. Oh my gosh. No, I'm so excited. We released, what was it, like two weeks ago, we released the tickets to the She's On The Money International Women's Day events. And I am so excited because we just haven't been able to do it in the way that we did. Like last year was our first. And like, I think people assume because we are a big podcast, that sounds so funny to say, but we're a big podcast. They're like, oh, they must have so much money. Like, why aren't they coming everywhere? It's like, we're actually a little small business and we have a lot of expenses because we have a big team. And like, I'm so grateful to be able to pay it. But like

last year we could only do Sydney and Melbourne and it was beautiful. But now what are we doing, Jess? Sydney, Melbourne, Brisbane and Perth. We're going to see our Perth friends. And I feel like that was the one thing on International Women's Day last year, I had so many messages from so many people being like, hey, next year, do you think you could come to Perth? Like no one was angry. Everyone was just so sweet and so kind. And I was like, of course, like I'll try so hard. But obviously, Perth is probably going to be like, let's be honest, this is she's on money. We can talk about the financials. It's going to be our most expensive city to go to because we have to get our whole team over there. We have to ship all of our, because we do gift bags, obviously,

we have to ship everything over to that side of the country. We have to get all of our audio recording equipment. We have to get everything to the other side of the country. We then have to pay for flats and accommodation. And that's going to be more than just like flying to Sydney for the day, which is what we did last time. I'm so excited to pay for all of these. But how good is it that we're now at a point in our business, Jess, Perth gets included. I know we've doubled the number of cities and we're still getting messages from people being like come to Canberra come to Adelaide we would love to we're doing our best and so hopefully this year you know if Perth is really successful it'll set us up for the year after or maybe for another event later in the year

to get to more places we would love to be everywhere if we could but for the meantime we're so excited to be going twice as many cities as we did last year so Courtney we will see you in Perth I'm so excited oh I have so many other ideas as well like I want to do a workshop tour I want to like other podcast tours. But like, let's not talk about that now because I could go on and on about it. But I think 2023 is going to be a very exciting year, Jess. I think so as well. But let me tell you my next money win, which comes from Jessica. Great name. 10 out of 10. She said, I had an urgent plumbing issue where both toilets, bottom inlet valves went at once. Don't know what that means. I don't know what that means, but it sounds expensive. Disastrous.

Late night plumber call out $150. He quoted $1,800 for parts and installation. For a toilet. for a toilet. I'm going to Bunnings and buying a new one myself. I will do it. Well, well, well. Jessica said, not today, Satan. She bought the parts from Bunnings for $47 and self-installed. Total cost, $197. Are you kidding? Saving nearly $1,600. Do you know what? That's embarrassing for that plumber. Well, yeah. You try to take advantage of that poor girl who you thought didn't know what she was talking about. She just trotted down to Bunnings and was like, I'm going to do it myself. Yet that much money you go, the markup is absurd. Next win I've got today comes from Erin who said, money win. I used my ShopBack balance to pay for

my annual car service. And I was like, what are you doing? Oh my gosh. Talking about ShopBack balances. Jess, the other day I redid my computer. Long story short, I had to uninstall Chrome and reinstall it. None of my extensions were there. So I had to re-download the ShopBack extension, but that means you have to like go on the website and log in. Anyway, really easy. I'm making it sound more complicated than it is. I promise it's really easy. I looked at my ShopBack balance. Guess how much I have, Jess? How much? $280.

Stop. I'm rich. That's a good... That's money I got back that I'm now absolutely spending on Lululemon leggings. Oh my God, cute. Do you think I'm going to save that for Christmas? No. No, save it for me.

As you should, treat yourself queen. My next money win comes from Katie, who said she got her first paying client for her new photography business and they upgraded and bought the full gallery. I am unbelievably excited and proud of myself. And I just want to say, snaps for you, Katie. That's so exciting. Oh my gosh, that makes me so excited because I'm hoping in 2023 we bring back the business Bible. I just want to have more small business conversations. I feel like this community needs more love and I've been a bit busy recently, but business Bible, she's coming back, my loves.

We see you small business side hustlers and we have got you. Next win comes from Emily who says, long story short, I called up my car insurance and I legally changed my name. I had a terrible experience with the person on the phone. I had a really big cry both on and off the phone. But then I took a deep breath and reminded myself that I am a boss queen. Yes, you are. I don't owe anybody money for a service that I'm not happy with. So I got a quote from RACQ with the exact same details as the prior insurance, paid it outright and saved myself $700 a year. Sorry, what queen? Yeah, that is boss queen behavior. Did she stutter? No. She was not wrong. And then. You're allowed to cry, but then we get up and we fix it. Yeah. And you save yourself $700 in the

process and that is a win if I've ever heard one. My very last money win for today comes from Crystal who says, I joined Sharesies a year ago and have consistently put money in every single payday no matter what else I had going on for the entire year. I saw that and I think that's so special. Good on you, Crystal. It is so hard to commit to an investment plan because sometimes you're just like, oh, that money could go to something else because it's so hard to see the bigger picture. But like future you, she's so proud. And we are proud of you too. Good on you. 100%. Well, Jess, as always, it has been great celebrating some of your Budget Direct money wins. Budget Direct winner of CanStar's Insurer of the Year Award 2022, Budget Direct insurance

solved. All right, guys. Today, I want to chat all about an article I read recently talking about overtime, which I know is a bit of a contentious topic, but some research has been done which showed that unpaid overtime is costing Australians $92 billion a year. Billion? Billion. No. So Australians are working the equivalent of six extra full-time weeks a year in unpaid overtime, equating to over $8,000 in lost wages for the average worker, leading to that total of $92 billion overall. The research was done by the Australian Institute. It surveyed over a thousand workers. And it shows that the average worker worked 4.3 hours of unpaid overtime a week on average, which doesn't sound like a lot. I suppose if you go, oh, four hours a week, you

know, if it's 20 minutes a day, it's happened to the best of us. And you kind of just don't notice the time disappearing. But obviously when you look at those bigger numbers, it's adding up really significantly. And the outcome there is a lot of lost cash for workers. Industries such as agriculture and miners worked the largest amount of unpaid overtime, an average of 5.8 hours a week, and managers worked the most unpaid overtime of 5.7 hours a week. I'm not surprised by that. No, neither am I. It's really sad, though. I just feel like we should be getting paid for the work that

we're doing. Like, why is it so hard, Jess? Well, yeah, most participants said that they've performed overtime, 71% of them, which again doesn't surprise me. Almost half of those who have done so say they do it regularly. And I thought it was interesting to talk about, you know, there's a few things I think missing in terms of information from this research, but at what point do we go, enough is enough? How do you even have that conversation though? And Jess, you and I were talking about this when we were saying earlier before recording the episode, like, oh, what are we going to talk about today?

And I said, oh, I think this is a really good conversation to have. And, you know, like example, a job like yours, your salary and wage earner, and I hope I'm not overstepping the mark by sharing the information in your employment contract with 1.2 million people. But in your contract, it says, and reasonable time to get the job done. But I feel like that's a reasonable inclusion because sometimes we're really busy and sometimes I'm like, oh, Jess, just take the afternoon or, you know, we're quite flexible. But then I look back at our histories. Do you remember when we both used to work in retail? And we have had this conversation before. So I worked at a shoe store. Jess used to work at a clothing store. Both of

them were relatively well known. And Jess, what did you used to get in trouble for? Or they'd be like, oh, don't ask Jess to do that. Oh, they'd ask everyone to come in 10 minutes early to their shift to like get familiar with the stores. If you'd never been there before and hadn't worked there for the last three years. Yeah. Like, oh, the VMs change during the week or whatever. The expectation is that you're here 10 minutes before your shift with your stuff put away and you do a walk around and familiarize yourself with everything. And I'd say, are you going to pay me for those 10 minutes? And they would say, no. And I'd say, no problems. I'll see you on the dot of my starting time, ready to work. How would you pay me to work then? Absolutely. I used to get

the, oh, can you just stay back and close? So I remember our store, I worked on Chapel Street, so it was quite busy. And our store would close at 6pm. And that meant that I was only getting paid till 6pm. But on like a Saturday, 6pm on Chapel Street is pretty busy. And for those of you're playing along at home, Chapel Street is a very big shopping strip here in Melbourne and it would close at 6pm and then for us to, you know, re-VM the store, clean up and, you know, do cash up and all of that after the doors were locked, we would be there for a minimum of like half an hour, 40 minutes. And we brought that up in team meetings so many times because I was like, hey, like, you know, if we close the door at six, like it's rude to start cashing up before, you know,

when there's customers in the store, like we can't do that. We can't close the door 10 minutes early or whatever. And they'd be like, oh, yep, that's part of your job. And I'd be like, okay, but if I'm expected to be here till 6.30 every single night, and that's a consistent expectation because that's the way this works, shouldn't I be paid for it? And they were so offended that I'd asked. Yeah. They also used to have pizza parties at 8pm on like Thursday nights. Oh my God, a staff meeting that's mandatory that you have to be at. I'm not getting paid, but they did pizza. Oh, I actually, I don't think I've put it out yet, but I filmed a bunch of TikToks on this topic because retail at Christmas really do be trying it on and I'm not here for it. And

I was always that person who knew my rights and would be like, no, sir. So I can see how these like billion dollars of unpaid overtime exists because even I copped it when I was at uni working in retail. And like, I loved my job in retail. I was so good at it. Like I love talking to people. I mean, half the time I wasn't even selling product. I'd be like, what are you up to today? did you get a smoothie like what's up anyway I used to have so much fun but it just it would absolutely take the mickey I remember it got to a point where they were asking us to come in half an hour early because they didn't want people to be late and I'm like I get that you don't want us to be late like that's something that you can you know discipline us for if we are consistently late

but like I'm not coming in half an hour early to stand out the back half an hour before my shift 38% of workers in the survey said that working overtime was expected in their workplace and I feel like it's becoming more and more the standard, particularly as after COVID, you know, we've rolled into a little bit more flexible working, which works in favour in some ways, but I think it's also shifted the expectation a little bit as well. So for someone like me, when we're not in the office, I save anywhere from three to four hours of driving time because traffic is crazy and I live quite far out of the city. But for me, I go, oh, great. Like if I'm not spending that time in the car and I've got something that I need to do, of course, I'm so happy to work through it because

I am also the kind of person who just gets stressed out by knowing there's something that's sitting there. But I think that's very different from the culture that is developed within certain industries. I know marketing is really bad for it because I have a few friends who work in that industry where if your work finishes at five o'clock and it's 5.05 and you get up and you start packing up your things, people go, oh, where are you going? I'm going home because you're not paying me anymore. In saying that, I see that passion in my husband, Steve. He works in digital and analytics and he gets up and like he always starts early. He's probably online from just before eight every morning. But then he has a team overseas and

they don't come online until like three or four p.m. I think it is. So he'll work through till eight p.m. most nights at a minimum and then be answering emails on his phone while we're watching Netflix at night. And like it's fine because I know he loves his job and like he manages these people and adores it. But I'm like, I know that's not built in. That's so much extra over time that isn't catered for. And it's fine because, you know, he's quite a independent, strong man who knows how to, you know, define his own boundaries. But I just think we need to consider the impact on work-life balance. Like, yeah, you might love your job, but like at what cost? And if it's costing us billions of dollars, maybe we do need to be paid over time. Yeah. So for people who are

finding themselves doing that, particularly people in industries where overtime is something that's meant to be paid, like nurses and, you know, our laborers and people who do have an hourly overtime rate that they're meant to be paid, tracking that, raising it with your manager where appropriate. And if you're on a salary and it's built in and you feel like you're doing an overwhelming amount of overtime, keep a track of it. Because I think you lose those minutes and you go, oh, it's only half an hour here, an hour there. But then you add it up and you go, oh, in the last six months I've done 600 hours of overtime. But you need to be communicating that with your boss as well. And, you know, we've talked about this on the podcast before. I genuinely

believe that there's like one of two outcomes. Like if Jess, your job isn't able to be done in the 38 hours a week that I pay you for, either you're not very productive during that 38 hours a week and maybe you do need to stay back a little bit because maybe you fluffed around and chatted to the team around the water cooler for a little bit too long, or I've over allocated work to you and therefore it's on me as your manager to reassess what that looks like and take some work off you so that you have better work-life balance. It's either one of those two things. And if we're not meeting that, like, what is it? And I think that then there's a little bit of a gray area where, Jess, you're very guilty of this and that's being very passionate for your job. So sometimes

I'll be on my computer and I'll be like, Jess, what are you doing online? It's 8pm. You'll be like, oh, I just had this idea and I really wanted to document it and I really appreciate it. But it's what is overtime versus what is passion? Like if you are happy to, you know, take on another client and you know that it's going to take extra time, is that overtime or is that you being excited? I think we need to also know how to manage our own boundaries as well because going, oh, but I've taken on so much extra stuff. And then you go to your boss six months from now, they're like, well, I didn't ask you to do that. I don't know why you're doing that. And then expecting additional remuneration like when that's not an expectation of the role so I don't know I

think that there's a fine line to tread of is this over time that I'm choosing or is this over time that you know I actually have to do to continue to be successful in my role and I think that those two are different things because if it's over time that you're choosing because you're just super passionate about your job I think we need to be a little bit more aware of our own work-life balance which is why Jess I jump down your throat so often about make sure that you're looking after yourself, make sure that you're looking after your work-life balance. And I think most people don't have those conversations because a boss often just wants their employees to work as much as possible. So I don't know. I just, from an employer's perspective, I'm like, oh, let's work

out what this means because I don't want you doing unpaid overtime because I haven't appropriately allocated work to you. Like that's just not fair. Super interesting food for thought. Should we have a listen to today's Money Dilemma? Of course we should. 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. Hi Victoria, it's for Alana. Quick question. I've only got 45 seconds. So basically, I've got an account for

my daughter and I opened it when she was seven months. It's purely an account that my mom actually transfers 10K into it each year for her tax purposes, what the accountant told her to do. And she's transferred that for basically Mila's education. So Mila can't touch that until she's about 12 years old. We can, however. Look, it's probably not best sitting in a bank account with you know, inflation and everything. Is it best to put in a term deposit or invest it into something else so that money can sort of build up a little bit until she is at the right age? Jess, I feel like this is a really interesting one and I'm glad that people are talking about it because when it comes to the inflation rate in Australia, I don't mean to scare you,

but four days ago it was published that our current inflation rate is 7.3%. Consider me scared. Don't be too scared. But our savings accounts aren't returning that. So, if you're getting like, let's call it 1%, which is currently very, very good in this current economic environment, if you are getting 1% on a savings account, every single year that you have that money in that account, you are going backwards by 6.3% because you're only making 1%. Does that make sense? So I think it's really important to consider what you're missing out on by not investing. And if we look at the share market over the last 30 years, we know that it has returned 11%. And that's just the Australian share market, not the share market as a broad

figure. And over the long term, the share market, you know, is a very reliable returner. However, not in the short term. So you wouldn't invest for one or two years. But if you've got a daughter and you've got 12 years or something to go, investing might be something that you consider as an option for not only creating wealth, but maintaining the wealth that you are putting aside. if you're putting money aside and you want it to go further, that's a great option. I would be looking at something well diversified, something that is relatively low touch because it is for a child. You're not going to go out and pick individual shares and make a punt. So talking to a financial advisor or talking to someone on Sixpack or even just going on sharesies and

picking something that makes sense for you might be a really good idea. And I get so many questions about this topic in my DMs each and every single week because people are like, oh, should I put it in a term deposit? Well, I mean, if you can find a term deposit that makes sense for you and your financial circumstances, please also let me know because I haven't seen a term deposit recently that's returning more than 1%. So it really, really depends on your financial circumstances and whether it's a good idea, but weigh those up. Do a little risk profile. If you haven't listened to our podcast on ascertaining your risk profile, go and do that. If you haven't listened to our share episodes, we did a mini series a little while ago on how to invest and

what an ETF is and what a managed fund is and what it means to directly invest. Have a listen to all of those things, educate yourself. And I feel like that might put you on the right track to create success because investing for a child is not much different to investing for retirement. And when I say that, you don't need a fancy structure. You don't need to go and set up a trust. You don't need to do a lot of things. I mean, you can, but you don't need to do these things. You actually just need to look at the long-term outcomes and a long-term strategy. Because when investing for kids, thankfully, we're not talking about one or two years. We're usually talking about 10 or 20 years, which is a really good thing in the investment world. Yeah. And while you're diving

into the Shoes and the Money archives, go back to our episode on setting up investments for kids. Oh, that's a good one. Maybe I should have mentioned that. Glad you're here. It'll give you a little bit more info and a little bit more insight because we covered it in depth. It's a full standalone episode all about it. But I feel like that's about it for today. That is all we've got time for today. So we'll see you next week, angels. Have a good weekend. Bye.

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Thank you.