She's On The Money - Is Your Inner Broke Girl Blocking Your Financial Glow-Up?

Episode Date: July 3, 2025

You’re earning more, budgeting better, and technically doing everything right... so why does spending still make you feel like you’re one click away from financial ruin? In this week's ep, we're unpacking the inner broke girl energy that so many of us carry (even when our bank balance says otherwise). Sometimes it's not your budget that needs a glow-up, it's your mindset. Plus things get spicy when a community member asks where we stand on tipping culture... do you tip, when do you tip, and are we all just too awkward to ask for change back? We’ve got thoughts. And of course we've got all your money wins and confession, and broke tips that you love.  Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram.  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 personal finance fun especially on a friday it's our favorite day of the week because we get to celebrate you guys our incredible She's On The Money community. Miss Jessica Ricci is going to be sharing our favorite money wins. Miss Bex Syed has a number of good broke tips. And we're going to be helping to answer a money dilemma, which is this week all about building a healthy relationship with money and something that you slid into our DMs about whether you should be tipping at restaurants or is that in Australia just performative generosity? I think it's an interesting concept in a cost of living crisis. Definitely. Anyway, before we get there, guys,

how have your weeks been? My week's been good. Nothing too exciting to report to be honest. Just bobbing along. It's the 4th of July. Do you celebrate the 4th of July? I feel like any type of celebration is just coded. 4th of July is like American Independence Day so that's a stretch even for me. Yeah okay so but we will embrace like Halloween and Thanksgiving. Yes yeah even Thanksgiving arguably is a stretch but Independence Day. We do Friendsgiving. I see. We do Friendsgiving. We do Friendsgiving and it would be rude not to. I think so as well. I feel like it's been a while since we've had a proper Friendsgiving. We need banana pudding.

We need pumpkin pie. We need the turkey. Like we need to, let's organize that. All right. We'll get it in the calendar soon. Yep. I think that sounds lovely. How was your week going back?

Lovely week. As you guys know, tax time, my favorite time of year. You're like, I can put my tax return in. Yes. I don't know how much I'm getting back yet, but I'm so excited. I can barely focus on anything else. Really excited. I've got to tell you guys, I'm now like nine weeks into a very,

it's not like very intensive, but it's like this strength training thing that I've been doing. How are you going? Are you really strong? I think I feel a lot stronger. You got a sleeper body under there? Yeah, I really would. That's what I want.

That's what I want. I want people to be like, oh, you don't look jacked. And then you pull out these guns. So I'm feeling, I'm honestly feeling really good. I've never stuck to anything this long ever. and neither. So I'm impressed with you. Thank you. Thank you guys. So yeah, great, great, great, great, great week. How's your week been BD? It's been really good. It's been actually really busy. You probably haven't seen me in the office recently because I have been in Sydney

and I've been doing a lot of work for Amazon, which has honestly been a little bit of a flex because I've gotten to go on TV and stuff, but I'm so excited about it. I was talking to them about you, Jess. You came up in conversation literally a few times because we were talking about how most people who go and shop the Amazon Prime sale, they actually wait until like midnight to get the best deals. And they were like, oh, you probably don't know this V, but like, did you know? And I was like, oh no, I know. Miss Jessica Richie is on my team and you have been known to wait till midnight to get the best Prime deals. I do love a Prime sale. Literally, right? And I was like, no, no, no. I know this and I've known this for years, queens. Anyway, I have been loving this whole

prime conversation because prime day has actually been extended. So this year they've decided instead of just like one day, Jess, you're probably going to love this as well. They are actually doing seven days of deals. And the reason they're doing this is to really extend out our ability to make decisions. We know we're in the middle of a cost of living crisis. And I think sometimes having so much pressure on ourselves to go, Oh my gosh, a deal we need to get in. We need to get in prime day is now running from the 8th to the 14th of July, which means we can actually make really considered purchases. Like we can fill up our cart, see what the total is. We don't have to click checkout, or you can do what I've done. And I've like pre-filled my cart and I'm literally

just waiting until prime day comes. Cause I know my cart's going to discount and then I'm going to hit checkout, but I've been able to kind of create a wishlist or create my shopping list. And it's like, sorry, Jess, but not full of all of the fun stuff that you might be looking at. i've got omo tablets i've got nappies i've got all of the stuff that i know i want to stock up on and kind of like maybe hoard a little like get it get a few in the bank so that i get a really good deal on them but i know that prime day is going to be the perfect time to make most of it and you don't even have to carry it home because it gets delivered to your door literally to my door like that's the best deal ever and because i'm a prime member free shipping we love that

money win but you know what is impressive five star reviews would you like one yes please this one is from mooshy um i've been following you guys for maybe two years now i always watch out for new episodes watching the old ones while i wait i'm a single mom of three for five years now your podcasts have helped me in so many ways i work three days study in between whilst also running my side hustle business reselling smashing my goals after one of your podcasts this week i emailed my boss for a pay rise and instantly got $4 more per hour. I love you guys and all that you do. I imagine not even having to do the confrontational like, hey, I was just thinking you just emailed and got some more money. That's so good. Good for you. I love that. And thank you.

So good. All right, Jess, tell me, what is the community doing? What are some money wins and confessions that you're going to share this week? All right. Firstly, this week I have one from Carly who said she thought her coffee machine was broken. It was seven years old and it wouldn't blend the coffee through anymore. Then she figured out that apparently you need to clean the filter thing. She'd cried because she thought it was broken and she gave it a good old clean out and it still works. She's still got life seven years later. I had that happen with my dryer. I was like, the dryer's not drying. Turns out I just need to empty the condenser. I don't know what it was, but I needed to empty something. Clean your things, people, is the moral of the story.

Next, I've got a money win from Lauren who said money win. She got three Macca's apple pies completely for free using points from the MyMaccas app. She said she had to go into the store to get them and order them in three separate transactions because you can't add more than one item using points per order. But she said a win is a win. Her and the kids enjoyed their little free treat. I feel like an apple pie from McDonald's is slept on. Oh, they're so good.

Except I think we all have that experience of biting into one when you shouldn't have bit into it because it was too fresh and getting that sticky stuff on the top of your mouth. You eat an apple pie and then a soft serve and you- Crush them together. Delicious. Do you want to go to Macca's after this? Absolutely.

Next, I've got a money win from Catherine who said money win. My usual quarterly gas bill is around $140. Last week, she got a bill for a whopping $457. Ew. She did some investigating and discovered that they misread her meter. Oh, that's a good deal. Issued her a new bill for $137 instead. Catherine then said, not good enough.

She asked them for a credit for the inconvenience and they gave her 40 bucks off her next bill. I love her. Queen. Oh, that's so good. I'm sorry, I had to do your homework for you. What are you paying me? That is actually iconic.

That is so good. File that one away, everybody. Anytime you're inconvenienced, it's pay to play, baby. Definitely. Next, I've got a money win from Alessia, who said money win our samsung tv stopped working and i started freaking out because i didn't take out the extra warranty and they had just ticked over the 12 no always the way though she said she went into store to ask if they could recommend a local repair person which they did and the guy

turned out to be a legend because he let her know all about consumer guarantees and the a triple c he recommended that he call the company gave them a script to follow and samsung booked free repairs for them which ended up being with the same guy the tv fixer didn't cost them a cent this is my reminder when shops try to say hey your warranty is only for 12 months do you want to buy an extra warranty for another 12 months for 100 scam you are covered by a triple c if you don't it's look it up it's the australia consumer something something consumer affairs website if you spend a lot of money on something it's basically like the expectation that how long it would last is relative to how much you spent so even if the company says oh one year warranty they're lying

like you can actually like if you spent three thousand dollars on a tv it's reasonable to expect it to last more than three thousand dollars on tvs tvs are i really want to frame and they are very expensive but anyway your warranties people don't fall for it i agree i agree jessica ritchie says it's a scam yeah i but i trust that yeah coming from you and i love i do anything jess says i must be gospel and the repair that sounds so lovely like he could have said oh give me the money but he said no no let me help you which I really appreciate down sis what a king he's a girl's girl he is a girl's girl and then lastly this week I have a money win from Jessica great name who said money win I got a $900 retention bonus in my pay that I had no idea

I was getting oh that's so nice what does that mean they're just paying you to stay with the company they're like oh you stayed with us for 12 months or whatever so they give you a bonus but I'd still find a new job. $900. Yes, money win. But like, I can't be bought for that amount. I can. Sorry. Well done Jess. I could be bought for $900. Is that it? Well in that case. Money win you might say. Sorry, I've got to go back to doing some business financials. Beck, what have you got when it comes to broke tips? So these ones I got from the thread on the She's On The Money Facebook group this first one comes from riss who says if she gets bored she walks the dog and goes and finds cans see if she can budget and beat it each time which i think is a great idea so it's two

things it's getting your walk and it's getting your steps up hot girl walk and also finding cans which i know i have mentioned before as a broke tip finding cans taking them to that little dispenser thing yeah you get cash for it and you get cash for it cash for cans cash for cans but this is the other thing is that like i think i mentioned ages ago about going on like color walks which is like i'm gonna look out for everything that is red and you keep it keeps you mindful now what we're gonna do is go and look for can bottles and cans i don't know if it's illegal or not but i'm sure if you're picking up no not that part sorry because i was gonna say i don't know if it's illegal or not but like maybe even look at in bins is that illegal

i don't know i don't think you're meant to go through okay okay but that is to get them off the ground i feel like there's always ones around like trade sites yeah because people yeah yeah and train stations do you know what you could do just taking just go get a really big cardboard box and market can donations put it at the train station people put all their stuff in it and you just go get it once a week dream good idea work smarter not harder and then if someone the business lady if it is taken by someone it probably someone in need so i think that's what i'm also doing something really good for the community great victoria's can donation system I love it.

We're going to work on that. Okay, this next one comes from Steph who says, check what incentives your local council offers. We are doing some landscaping. We were able to get 50 plus plants, mulch, soil conditioner, et cetera, for free from the council as part of their Verge program. How good is that? We also got a free tree to plant in our private property.

There are other discounts and freebies offered too. Gardening is just on our mind currently. I love that. Which I think is so good. Can I add to that? Please. Check your local council for free courses because I've just signed up for a 10-week sewing course

and it cost me $50. Excuse me? Three hours a week, 10 weeks, like 30 hours of learning. That is so cool. For $50 and that includes my materials. And you just. Whoa. What?

Yeah. And you just know that there is some sweet old lady who's going to run that for you. It's going to be like your nana's teaching you. I'm so excited. I think it'll be lovely. They do different levels for the sewing. They do cake decorating that I want to do next.

There was heaps of courses at my local council. it. So check your council first. Can I come live in your area? Absolutely. That's so cute. I'll bring a friend. You can come with me. Oh my God. That is really cute. Yes, I am Jess's housemate. Exactly. That is so cute, Jess. Okay. My one, this sounds familiar. So stop me if I'm, if I've said this before, but I don't think I have. So Uber Eats. Love. Yes. Okay. I know that if you're broke, you probably won't be ordering Uber Eats, but I have spent my last money on Uber Eats before. And I think treat yourself. You know what I mean? Like it's tiring being broke. When Uber Eats comes, sometimes it's not that good or it's cold or your delivery person took

six years. Like if you're spending your last money, it could be on disappointment. Well, that's true. But still it's like, oh, I don't have to think about it tonight. You know, it's like that is one load off. But anyway, sometimes if when I Uber Eats, I'm like, I really, I really want like Maccas, but I also really need to get all of these groceries. And so if you buy something, if you buy anything on Uber Eats, like the next section where you're waiting for your order, it will come up with like all these different places that are like free delivery because it's like on the way.

You know you've seen that? Yes. Yes. So what I do when I'm in that situation, like I know I'm probably going to spend a lot of money. I don't really care because I'm like, you know, it's my last money. I don't care. I'm buying from the place with the least expensive delivery.

So I'm getting Macca's and I'm going to Kohl's as well on Uber Eats. If Kohl's is $4.49 delivery and Macca's is $2 delivery, I'm doing $2 delivery. And then the next page will be. Oh, you're adding on your Kohl's. Kohl's because you're not paying up. Just got a new breed strategy. Yes.

So always do the cheapest delivery. This is, I guess, only relevant if you're doing two different orders. But what if on the next page Kohl's doesn't come up? It almost certainly will, but it's like, you know, your 7-Elevens. But you live in a really urban area. Okay, if you live in an urban area, There'll be your 7-Elevens, there'll be your service stations. But then everything's so expensive.

Always an IGA. You know what? We can go back to that friend who goes on a walk and collects cans. You can go on a walk and go to the supermarket. What if it's so far away? No. And it's raining? No, I've got to be devil's advocate here.

You are not spending your last money on McDonald's and then on going to the supermarket. And I just know you're not buying staples. I just know it. I would say keep in mind they inflate the prices on Uber Eats. So the $10 you save in delivery are probably paying more than that for like more expensive grocery costs. No, that's very true.

That's very true. Or that's the other thing is that check the- Although, Milk Run, we should contact them because Milk Run, I'm in a very committed relationship with you right now. No inflated prices, straight from Woolworths. Love that. That's true.

And if you're going to a restaurant or something, check the prices on the menu on their website first because sometimes the things are really like $3 more on Uber Eats and stuff like that. So it's true. It's worth doing that. But if you're tired from hustling, hustling, hustling, because you are so broke. Just treat yourself. You know what I mean? Do as Bex says, not as

Victoria and Jess would say. That's me for this week. I'm eating frozen bread. Yeah. And not hitting it up. So true. So true. All right. Let's go to a really quick break because on the flip side, we're going to be talking about building a healthy relationship with money. And this week, someone slid into our DMs about whether you should be tipping at restaurants or is that, while we're in Australia, just performative generosity. So guys, don't go anywhere. Welcome back, everybody. 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. Hi everyone. Thank you for listening to my question. I was just wondering how to deal with

money trauma and going from like one extreme to the other. So I grew up supporting my parents financially and they still owe me a substantial amount of money, which I won't ever see. I'm totally okay with that. But now as I've finished uni and I'm in a really good role and my first big girl wage, just hit my first $10,000 in savings, which was huge for me. I've come into a relationship with my partner and she has quite a lot of debt, but it's all quite short term. So I reckon within the next five years, it won't even be affecting us anymore. But I guess My question is, she's got an extremely stable income in the defense. She's probably never going to leave. I've got a super stable income. We've got money coming in. A lot of it's going to debts

right now. I'm paying those down. I'm just struggling to spend money on little luxuries. You know, like I've got my gym membership and we've got like a small coffee allowance, but I'm just trying to work out how to have a healthy relationship, knowing that we've got money coming in. And that part of living life is also spending money. I feel like I've swung so far the other way. And my poor partner is trying to encourage me that we can have a healthy relationship with money, but that does also involve spending sometimes too. Any help would be amazing. Such a fair question. Also, congrats on your first 10K. Yeah, that's so exciting.

That's so exciting. That's huge. That is so huge. I totally get it. It's a really tricky one because it's all about like, literally you have to rewire your brain when it comes to finances and stuff like that which probably calls for therapy of some kind I guess that's you know a longer process also really sorry to hear about the relationship who will in particular the financial relationship you have with your parents I can imagine that would yeah definitely kind of warp your view of finances and

stuff like that um for sure so that is a really tricky one but I think that like first of all slow and steady. Sometimes we don't even, we're doing something. There's a pattern of behavior. We're not even aware of it. And then we are aware of it. We don't think there's any progress. Being aware of this pattern is progress. And slowly, slowly, especially if you're actively working toward trying to be more comfortable with things, that is already progress. Just being aware, just being conscious of that, that is really good. So congrats on that because I'm on the other end where I spend so much and I shouldn't be and all my money's gone by the first week of my monthly pay cycle. And so I don't have a lot of advice on how to spend more, but all I want to

say is congrats on your first 10K and realizing this pattern is progress and you're going to get there. I'm so sorry. I'm not helpful at all. No, I think that was helpful as well, because I think it's just like, we all have such diverse opinions. And at the end of the day, there's actually no right or wrong when it comes to money. Like there is what you deem to be comfortable with money. And like, I would say that I have a relatively healthy relationship with money, but then you might also say, Beck, you have a relatively healthy relationship with money. Cause you're like, yeah, I don't let it impact me in the way that impacts other people. But then other people might look at you and be like well she doesn't have heaps of savings she's not you know budgeting

in the way that we would and they might call it unhealthy so it's just like what works for you might not work for the like the next person Jess how would you develop a healthy relationship with money or how have you done that over the last few years I think I would definitely echo back in saying therapy or counseling I think would be really helpful in relation to your finances maybe even in relation to unpacking some things with your familial relationships too I think that I don't think therapy is ever a bad thing I know that it's expensive but money well spent is my opinion I would say be conscious and it sounds like you very much are as someone who grew up with not a lot of money when I got my first corporate job and I was earning my first big

girl wage I swung really heavily the other way and I pulled it back and I spent like crazy and I lived my best life and I don't necessarily regret it but it didn't set me up in the way that you know with hindsight and a level of financial literacy that I didn't have then. Like me you and I both needed to learn what it feels like to not be good at money so that we don't do it again. Yeah it's you know it's a part of my journey and I don't regret it but it's just I think it's a very common pattern as you were saying to go from one extreme to the other so it's good that you're thinking about it. My suggestion would be you've saved your first 10,000 which is amazing. Have you worked out what a good emergency fund looks like for you? So have you

figured out what expenses you would need to cover for say six months? Because I think a lot of money anxiety in my experience comes from the scarcity mindset of going, well, what if I lost my job tomorrow and all of a sudden I had no money again? So having your emergency fund can really negate that stress. And then in terms of encouraging yourself to spend, I would say budgeted in. So within my budget, as you guys know, I have like 15 savers accounts. So I have allocated money to spend on clothes specifically. I have allocated money to spend on beauty treatments. So think about what would you like to be spending on? Like what areas of your life, you know, is it dinner with friends or whatever? And then once you work that into your budget,

you will hopefully be able to spend it a little bit guilt-free because you've accounted for it. Like you figured it out. It's there. You don't have to stress because you've worked into your budget. Maybe you've got your emergency fund building in the background. So you know that God forbid something happens, you're all sorted. It's just kind of building a structure. I think that is going to give your brain security. And then over time, hopefully you'll loosen up and you'll become more comfortable with those things. But I do still think that therapy can also really help to turbocharge that. Yeah. I guess I'm of the same mindset to me developing a healthy relationship with money is about honesty. It's about transparency and it's about, I would say,

a really good level of self-awareness and I need you to understand your money story. First episode on the podcast is about money stories. Look up money stories on our show and listen to that. You need to understand where you've come from to understand the beliefs you hold today and what you've picked up along the way that might be serving you or what you need to rewrite and go, okay, cool. Like this isn't serving me. I think for me, it's about not necessarily needing to be perfect or never spending, but rather understanding what is intentional, what is informed, what is putting me in the best possible position and asking yourself the question, am I currently being kind to myself? Like, cause if being restrictive is you going,

no, I'm being so kind to myself. I'm putting future me first. Or on the flip side, you're like, no, I'm really missing out. I'm not having a good time. Like, are your money habits kind to you? Like, are you putting yourself in the best possible position? What does that look like? Are you being intentional? Are you being informed? And that kind to yourself thing, like once you understand that, I think that you're able to then build a bit more confidence because you'll be like, no, I do have conviction in the way that I'm spending or the decisions that I'm making. It doesn't matter that nobody else does it this way. It works for me. I think that that helps you to control your financial life over time? And if you're saying, I need to be kinder to myself,

which is what I'm kind of hearing in this story, then what do you need to rewrite to be able to be kinder to yourself? Do you need to be more clear on your budget? Are you aware of what's coming in and you have this budget, but you're not very good at sticking at it? Are you, you know, maybe not being kind to yourself because you're like, no, we got into all this personal debt and I don't deserve to spend money on nice things. Yeah, we have a coffee budget because we felt like we had to, but what does that actually look like? Like, do you feel like you are living your best life? If not, what does that look like? While still prioritizing debt reduction is probably where I'm at. I just had one more thing to say. I would love for you to say something else.

I feel like when I have, if you change the medium or something, whatever the word is, in which your money, the money that you're spending comes in. For example, like if you like oh well if i have a gift card i have no guilt with tapping and paying and whatever for like luxury items so maybe you could like buy yourself you set like an allocated amount and buy yourself a mastercard gift card or something like that every month and then also sometimes with places like shopback you can get like five percent cash back if you buy a gift card through that app or like stuff like that so maybe like if it's in if it's in your account and you're like i feel really yucky spending this money buy a gift card and then you will be like oh this is gift money or put it

in cash. Well, this is cash. Delude yourself, Jess. Delude yourself. Maybe that's easier. Maybe it's easier to part with when it's in a different form. No, but also like, let's say coffee is your trigger, right? And you, I'm pretending for a hot second, you go to Starbucks every week and you're like, no, I do want to go to Starbucks every week, but I feel so bad tapping my card all the time because I'm so worried I'll go over budget. Maybe you budget a hundred dollars for coffee that month, go and buy a hundred dollar gift certificate, use your shop back, get 5% back, know what's on that gift card. And every time you get your coffee, just use that gift card because that's your coffee money. When it's gone, it's gone. Exactly. That could work for you. There's so many strategies.

For some people, they'd be like, that's an unnecessary hurdle. But then also once the money's on that gift card, sorry, it's already on the gift card. You just can't get it. You gotta spend it at Starbucks. So maybe it's pushing you in the right direction. Exactly. Great. Have we got a juicy DM this week? We actually do. And I'm just, I'm so looking forward to hearing your thoughts on this because Jess when we're in the US we struggled so much with what do you tip how do you tip what does this mean how do we calculate it sorry all right sit down hey she's on the money just writing in to be a bit pervy on where everyone sits on tipping so excited thank you for writing in I went out for lunch with friends over the weekend one friend totaled

everyone's share on an even split and another chimed in to check if we'd leave a tip I'd actually been talking to her earlier about how I don't think the service was great so tipping was not even on my radar and honestly I didn't think that they deserved one. When it came to pay we split it on the card machine so no group tip but the terminal asked what percentage to leave. She tapped 10% and I suddenly felt so awkward when I selected 0% with the waiter standing right behind me. In that moment it felt like performative generosity and tipping just to look good. Is tipping ever a thing in Australia or are we all just scared of looking stingy? I personally and this is not very popular opinion but if tipping was a thing I would for me personally

wouldn't be based on customer service because I'm like someone's probably having maybe someone's having a bad day or maybe they're just like customer service is not their passion I don't want them to be like because like I know the mental energy spent when you are like you got to maintain a certain level of like energy and enthusiasm when you're like oh my god I'm so tired so I'm like I don't care how bad the customer service was if it was a thing I would be tipping no matter what but anyway that's beside the point I guess I'm for tipping but I don't know that it goes to the person who served you like you never know in Australia there's no cut and dry like if you tip and add it on at the FPOS machine like does it just get divided among every single staff

member and therefore negate the fact that you wanted it to go to that waiter or does it just go to the house because I have literally heard of people being like oh yeah if we got tipped like they said it was unfair because like Jess got a tip but Beck worked in the kitchen so therefore she didn't so they just kept it like yeah that's the other risky thing is that like you know yeah if you're tipping one person and it just kind of feels like I don't really like that kind of thing because you're like what if someone gets 100 bucks for the night someone gets 300 for the night you know it's like it's a bit but I think because we have like you know award wages everyone's paid a minimum you know there should be and then anything above that amazing

but I I think that we don't need to tip have you ever tipped like is that something I do tip I have tipped so like in what circumstance would you go oh I really want to leave a tip because I feel like it's not like in Australia we're not obligated in the same way that in America tips make up a very big portion of their income yeah so like when are you like I'm gonna leave a cheeky little tip? Well, first of all, it's if I have cash on me, cause I want to give it to the person. I don't want it to go to just whoever, like not that no one else is worthy, but I don't know where it's going. Yeah. That's, that's the relationship I have with you. Yeah. And then also if I'm, if I'm in a position where I have a lot of like disposable income that week for whatever reason,

and also you've got to get back on pay week. You've got to get me on pay week. And I don't really go out to eat often at like fancy places, but yeah, I think it's, it's got to be all those three things together that work perfectly. I'm like, yeah, I'm going to tip. But yeah, I just, I just think because I've always been one that's like going out is so expensive for me. And it's like, I haven't worked into my budget tipping someone. I just, I guess I just don't do it, but it's, I mean, it's not a bad thing. I don't, I honestly like the person who's at the registrar, the waiter, whoever that's watching is. Why are they watching though? Cause like you press the button to hit 10% at the same time that you're putting your pin code in. I feel like that's

weird like they shouldn't be watching that's not okay i wouldn't worry but yeah the the i totally like the virtue signally side of things where it's like oh someone's obviously being performative i guess i would just like if you feel so inclined and if you have the money do it i just don't i don't think we need to do here i don't know i could be wrong but i don't think we need to do here is what i've been taught no you're totally right because it exists in the u.s because the minimum wage is so low so the u.s minimum wage for service is like two dollars an hour yeah so So tipping is- Depending on state.

So people might jump down our throats because like some have that. But like, yes, you are right. But historically, most of their income is their tips, not their base salary. Correct. So tipping is non-negotiable over there. There's like, I think it's like 15% is like a standard tip

because you're paying their wage effectively. Which I find crazy as a structure for a society doing this. As a consumer, I shouldn't be, but anyway, here nor there. And they don't include tax at the price. Remember when we'd go to like checkout at Sephora and then they'd add tax and I'd be like, excuse me genuinely nothing over there makes any sense but yeah so here we have a really good minimum wage it's not a requirement as someone who used to work in a service industry I worked

as a waitress for like five or six years it was never an expectation it was always it was always like a sweet treat like correct like if someone tipped you it was really lovely it was very exciting especially because I was in my like late teens early 20s so it's like oh my god 20 bucks like this is amazing but you know it was never an expectation when people tipped me back in the day we also didn't have the FTPOS tips I don't think like it purely was a cash thing. Yeah I've never existed in that yeah it was always cash. Sorry my age but I think my experience predates that I don't love it because it does as you said feel quite awkward with the person standing there but I just try and remind myself I don't know if the culture has changed since I worked in the

industry but like when I was a waitress it was never an expectation I'm being paid to be here like my job is paying me that's what I'm here for if you tip me that's awesome you know it means I did a great job and as a consumer that's when I will tip if I have white stuff that I feel like really went above and beyond if they help me change orders or like if something goes wrong you know if I'm with a kid and the kid makes a mess or you know something like that I think it's like a nice way to show appreciation and gratitude yeah but it's not something that I will do every time either. But yeah, I'd be really interested to know what everyone else thinks. But what do you think? Because you also served. Well, I worked in hospitality for like a good 10 years. Like it

was my first job. I was in hospitality and then growing up on the Mornington Peninsula, basically all you can do is hospo. So I did a lot of different roles from working at an ice cream shop to like a cafe on the main strip to working in a number of different wineries. I do everything from like front of house serving, like being a waitress to events and being a barista and stuff. and sommelier yeah I am a trained sommelier which is very cool it's like you know the person that makes the wine recommendations and like opens the wine I got the like little badge that had the grapes on it anyway very cool cool part of my part of my story we can talk about it later I can help you pick a wine but at each venue I remember the tips being treated very differently like at

one of the wineries that I worked at it was kind of like frowned upon if you were given a tip to not put it in the tip jar and then it would get and I thought this was quite fair it would get divided among all of the staff that were on that shift. So including the kitchen staff and the people that were behind the bar, because more often than not, just the waitresses were getting tipped and it was like a pretty fancy establishment. So it wasn't abnormal to work at this restaurant and have most tables give you a $20 tip, which was always lovely. But then some people would actually ask me like, what happens to your tips? And I'd be like, oh, we share it. And like they would change how much they tipped because they kind of wanted it to just go to me or they'd

be like, oh, but what if I give you cash on the side? And it always felt awkward. The same thing happened once I moved to the city and I worked at a number of different restaurants in the city, some high end, some just like standard restaurants, some split them. I remember one of the restaurants I worked at kept all of the tips and it was like a point of contention because some of the waitresses who were giving cash would just like pocket it and not talk about it. And we all knew it was happening, but like you would just not say anything because the owners were so greedy. it just depends but again it was never expected but like at a number of places that I did work like you knew the table like low-key you knew the tables that looked like they were going to tip and

you would definitely like bend over backwards it was kind of like for me a game like a game to be like oh I wonder if I could work out how to get a tip out of these guys were going above and beyond which is probably not the best way to approach things but like I was young and having a lot of fun. But when I now tip as a consumer and I'm at a restaurant, it's because I've really enjoyed the service or that person's experience. And sometimes I do ask, I go like, oh, if I tip, does it go to you? And they go, oh yeah, it does or whatever. Anyway, that's nice. But I've never felt like when I'm checking out at the FPOS machine that they're watching in the 10% that I put on, like, I'm sorry, you did your job in the nicest possible way. We're in the middle

of a cost of living crisis and yes I am very privileged to have a lot of financial freedom but that doesn't mean that I go yeah I'd love to pay 10% more for this meal like unless I feel like it is really warranted and valid and I feel like I'm doing something good but this community member that wrote in she literally said I don't feel like they deserve a tip yeah in which case if the service wasn't good then hit zero you're still paying your bill like that's a good deal yeah so I don't think it's an issue we did ask the community we said guys when do you tip 1% of you said every time. I'm not surprised. 58% of you said never. 37% only tip when the service is good and 4% said only when I feel peer pressured to do so. Oh, you shouldn't feel

peer pressured. No, absolutely not. Next question we said was how do you feel about payment machines and ordering apps asking for tips? Do you know what? That annoys me. I'm sorry, Uber. I love you, but why am I tipping my driver for being 40 minutes late? I know. I was going to say before drivers that's different uber ubers yes but if you're like 40 minutes late and then you left it at the front of my house not at my door didn't knock on my door and then I still get the push notification to be like do you want to tip your driver I'm like literally no my food was cold and at risk of being stolen if it's really shit weather I usually tip my uber it's dry anyway how do you feel about that 57% of you said we hate it tipping is an Aussie culture

21% said, it's awkward. I feel pressured. Another 21% said, I don't mind. It's still my choice. And 1% said, I like it. It makes it easy to support staff, which is really sweet. And then we went to the community and said, guys, what's your two cents? Someone said, it's awkward for companies to ask for a tip

when you order via a QR code with no service. I do agree with that. Yeah. And they also ask for the ticket before the food comes because you're like checking out at that time. That's true. I do find that interesting. Weird.

Someone said, I'd be more upset with splitting the bill equally. I mean, that's a great take. I think that's so funny. Next person said, the waitstaff won't remember you by the end of the shift. It's not that deep, I promise. Oh, I would remember. I will remember you. Next person said, when tipping via machine,

I'm not even sure whether it's going to tip the staff or the restaurant. Well, that's, yeah, when it's an FPOS, you really have no idea. Yeah, that's the thing. Someone else said, I really wish card payments had an option to just like round up for a tip, kind of like keep the change as an option yeah yeah because that's what you do with cash a lot of time too is yeah like oh whatever's left 18 bucks i'll keep the change next person said tip on the machine is so sneaky my friend accidentally put her pin as the tip once no figures i would die hopefully it was like a zero zero zero it's like starts with a zero yeah next person said i love

tipping when someone's gone above and beyond. Tipping being expected though? Absolutely not. Next person said, everything is already so expensive at the moment. Adding a tip feels like a kick in the guts. And last one I'm going to share is, it's okay to own your no. And I liked that. Amen. No is a full sentence, baby. Exactly. All right. That is probably a very good place to leave it. Guys, it has been a good week. I have enjoyed hanging out with you all. We'll see you bright and early on Monday for a money diary, but till then have a beautiful weekend bye guys the advice shared on she's on the money is general in nature and does not consider your

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