She's On The Money - Laura Henshaw on Making Healthy Eating Accessible

Episode Date: April 25, 2024

The luminous Laura Henshaw joins Jess and Bec this Friday to chat money wins, broke tips and so much more! She shares wisdom on a Money Dilemma which is the entirely relatable problem of trying to balance your well being and budget. Plus this week's D.M is about navigating business with your bestie. How do you keep communication at the core to stay on the road to success? Follow KIC on Instagram  Want one month of KIC free? Use the code: MONEYMONTH to redeem it here!  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 for millennials who want financial freedom. My name is Jessica Ricci and of course today I have Bec Syed joining me because it's Friday. So today we are celebrating you, the incredible She's on the Money community. Today I'll be sharing some of my favorite money wins. Bec will be sharing some of her best broke tips and will be helping to answer a juicy money dilemma, which this week is all about prioritizing healthy eating and your budget. Plus we're going to unpack something that you slid into our DMs about, which this week you asked for advice about navigating going into business with your bestie. Oh, juicy. Exciting. And Bec, I feel like we have someone who might

be able to give us a little insight into that today. I do. It does feel like we have someone in the room with us today. A nice, bright energy. We are super excited to be joined by someone who I think will have some really amazing insights to share today. Laura Henshaw is the CEO and co-founder of health and fitness app kick she's a podcaster and a columnist among so many other things welcome laura thank you so much for having me i'm so excited to be here and i also i come bearing gifts for anyone that has heard of kick if you're thinking what the heck you're talking about you'll find out a little bit in this episode but if you have heard of kick and you have wanted to give it a go it's it's an app that i am the founder of and the ceo of we have over a thousand recipes

workouts and meditations on there. And if you do want to give it a go, we've got a free month code for your wonderful community, which could be a bit of a money win, I was thinking. Oh, what a nice little segue. We love a good segue. Yes. So the code is MONEYMONTH. And if you go onto the website, www.kickapp.com, make an account, put the code in for the monthly membership, then download the app and log in, you can give it a go. Amazing. Cool. Sounds good, isn't it? This is so exciting.

You're a very impressive, impressive woman. Oh, I don't know about that. Thank you. Definitely are. We were just talking off air about how you guys celebrated your fifth birthday for Kik very recently. Yes, for the podcast, which is crazy. It honestly has felt like a year or two.

But here we are. Yeah, half a decade. That's crazy. That's wild, right? Oh, my God, doesn't that sound insane? As soon as you're an adult, time flies. I feel like when you're a kid, it's like, oh, I just want to be 18. Yeah.

And then you're an adult, it's like five years just goes by very quickly. get older. Totally. I want to get off this ride. How's everyone's week been? Mine's been good. Taylor Swift, anybody else? The Torture Powers department. Big week. I know, Bec, you're not a huge fan. So I don't know, are you across the whole? I am across it. And I like, I'm, you know, I'm one of those not Swifties that also don't hate Taylor Swift. Yeah, you appreciate. I appreciate Taylor Swift. So anyone who doesn't know, she dropped an album. We're all very excited. And then she put up another little countdown on her Instagram and everyone's like what's the countdown for what is she counting down for what's happening

two hours later a second album she dropped 31 songs in one day so it wasn't all within the same album so the second bit is she created an anthology which is like normally a collection or curation of poems or writings so it so if you look up tortured poets department the anthology that one has all 31 but if you look up just tortured poets department it has the original set of songs I see my queen I had full mental breakdown like I was already crying I saw your calendar it was quite funny I had set myself up all about listening because it was a what day was like a Tuesday or something it was a Friday Friday I remember looking at your calendar and I was like I love that you're like if that was one of my employees I'd be like what are you doing

you are so cute Jess I love watching you talk about Taylor Swift I get so excited and like things that make you excited like haberdashery um you know i just think it's really cute to see like revert back into like a really cute like young like not that you're not young you know what i mean it's a girlhood thing i said this about the eras tour it just it made you feel comfortable with girlhood like all of that joy and just wearing something sparkly and something that you just feel cute in and all those things that i think society sometimes makes you feel silly for like why are you so excited over this like chill out like it just is almost like permission to enjoy that that's how I feel about Taylor Swift so it's a very big week for me

I love that I had a I had a good week I feel like a lot of people now it's got a little bit colder you get a bit sick like your body's like hang on it's so hot so I had it last week but now I'm better this week so I'm feeling good do you have that and you found appreciation for being able to breathe out both your nostrils that you get after these you know when you're sick and you're like I never appreciate it, I don't think I'm going to breathe. I have very wide nostrils. So they don't get really super blocked when I'm sick. That's a dream.

I have like other things, but yeah, my nostrils seem to be good. That sounds amazing to me. Right around the flowing. It's a thoroughfare. Is that the right word, thoroughfare? Yeah, I think it works. Okay, good. God, lucky you.

I pray for wide nostrils. How's your week been back? My week has been pretty good. I, like, you know, obviously, as everyone knows, I'm, like, in between jobs at the moment. But I've just started, like, casually working again in this office with KISS, with KISS Radio. So it's been really fun. I've just felt like, you know, when you're, like, not working, it sounds like a dream. It sounds like you're just constantly on holiday.

But everyone you've ever met is working. So you're, like, you wake up and you're, like, okay, what do I do now? You know what I mean? Or you'll go to the gym and you'll be, like, okay, now what do I do? Like, it's always, like, what do I do, you know? Yeah. So I just knowing that I have something to like fill my days and it's fun with people that I love and I just like I'm feeling really happy. So this week has been really enjoyable. So yeah I'm feeling

good. I'm feeling good. Sounds like you're having a winning week. Don't you dare. I love your little puns. I try. I really do try. Speaking of which I have some excellent money wins to share with everybody this week. I will start off with Tyler who said I got my first dividend. It was two Retirement coming soon. Amazing. And that was just the energy that I needed this week. Celebrating the small wins. Well done, Tyler.

Next, I have a money win from Stacey who said, I found lots of my berry plants had rooted on the end of some canes. So I've potted them up and I'm hoping they'll all settle into the pots nicely so I can sell them in a few months. Amazing. I didn't understand any of those words, but I feel I trust the process, you know. The berries had babies and she's going to sell the babies. On the canes.

Yeah, which I think is just maybe what she was growing them on. Understood. Yes. Very exciting. We love that, making something from nothing. Cool. Next, I've got a really good money win for anyone who's planning on travelling to the Goldie anytime soon from Alicia, who said, we're travelling the Goldie, we're in a

caravan, we wanted to head to Movie World. For two adults and two children, that would be $480 in tickets. Whoa. Daylight robbery. Now I understand why we never went as kids, Farrah. But she said after doing some research online, she's discovered that you can stay at the SeaWorld Resort for $444, like a basic double room. And you get free entry to MovieWorld the day that you check in. So she called up, she organised early check-in. And so they're staying

accommodated in an actual hotel for less money than they would have spent on just their tickets to get into MovieWorld. That is really cool. And then they have like a night of luxury there. Not that, you know. They have an actual room. They were in a caravan. They've got some like Oh, I see, yeah. A bit more space probably. Oh, either way, luxurious. I don't know what SeaWorld accommodation's like. Yeah, I don't know either.

Sure, it's lovely. I can't say either way. The main thing is it's cheaper than the tickets and I'm going to call that a money win. That's a big win. Totally. That's a big win. Well done, Alicia.

Next, I've got one from Jessica, excellent name, who said, I ordered a glass of wine and they had just under half a glass's worth left after her glass and asked if I'd like the full glass for free. oh okay they have like a little bit left they're like we'll just top it it's like when you buy fabric and this is very niche when you buy as i'm saying this i'm like maybe not as you're buying fabric at spotlight and they've got like a little bit left on the roll they're like do you want to just take it all for an extra dollar and you're like absolutely i would it is similar to like

when you're like in the toilet and you're like i'm only allowing myself x amount of squares but when you get to the end you're like may as well you know what i mean i'm not gonna leave two Exactly. I'll give myself two more. Why not? Or if you're my boyfriend, you'll leave one square on. So then I have to change the role. It's his toxic trait.

Yeah. That is so cheeky. And then lastly, I've got a very on-theme win from Zoe, who said, money win. Taylor put all her bonus tracks straight onto streaming, so I don't have to buy all the album variants to hear them. We love that. Our queen being so considerate.

Now, Laura, we've been asking everyone who comes in if they have their own money win or perhaps a confession to share if you happen to have one? I do. So I don't know if anyone, well, I think it's only in Victoria. So if you live in Victoria, you'll be familiar and you go park around the city with PayStay, the app. So I have been locked out of my app for a long time

and I can use it but I can't change cars in it. That's when it makes me do my password. And my car was actually stolen last year, which is fine, no problem at all. It's all good. I was safe. It was, well, it was, the car's not safe, but it was at the front of my house. I didn't come in. You weren't like, okay, that's it. So I have a new car. And so I needed to put my number plate into the paystay app. And every time I park, I'm rushed. So then I'm like, I don't have time to work out my, because it keeps saying I didn't have an account. I'm like, I do because I'm using it. I have an account. And it's one of

those things that I just, it is, I have to say from a product experience perspective, the forgot password experience is not the best I have used. Anyway, so every time I end up having to pay for the full time, so like the full two hours, the full one hour, because I have to do it in the machine thing. Yeah. But the most amazing thing with paystay or whatever other thing is that you can pause it as soon as you stop parking, you just pay for what you parked. Yes. So anyway, on the weekend, I dedicated 20 minutes to working out how to get into my Pays Day app. Happened to be connected to my email from about 10 years ago. So that was why. That's why.

That's why. Anyway, I'm in. And now, since then, when I've been parking, I'm just paying for the actual time that I'm parking instead of the entire, you know, two hours or whatever. So that's a win. And I just feel, I feel organized. It was like a life admin thing that every time I'm like, oh, why is this so difficult? And it was a little bit difficult, but it wasn't as hard as I built it up to be in my head. Right, right, right. And it's like a weight off your shoulders. Those things that you leave for so long that you go, oh, I need to do that, but I won't.

I'm so guilty of this for weeks and weeks and weeks. And then you do it and you're like, why did I not just do that? Like three weeks ago. Yes, yes. I kind of had everything in that story. It's a money loss initially and will be a money win in the future. Exactly. I love that.

Incredible. Bec, do you have any little broke tips for us this week? I do have some broke tips. So as per, we have some from the community and one from myself. But Laura, because you are here, I'm hoping that you have one to share after. So I'll just give you guys one from the community for today. So the first one comes from Tanya, who says go to Woolworths at 4pm every day. That's where they start discounting food items expiring that day.

I stuck up on meats and leave it in the freezer. Ask your local Woolies what time they discount it as times may differ, which I know is like something similar to what we've had before. But I just think it's a really good idea because I hadn't thought about meat and like having that, like, markdown and just, like, keeping it in the freezer forever for the rest of eternity. Do you follow those accounts on TikTok? There's people on TikTok that are experts at this

and these people are getting, honestly, $300 worth of stuff. Like, they buy muffins, everything. So much stuff gets discounted. That's so good. Fruit, veg, salad mix, meat. Honestly, if it can go off, it's discounted. And they get it for, like, $20. And I find myself watching it because it's like, oh, my God,

they got, like, that packet of lettuce for 21 cents. And it's just quite satisfying to watch. I would love to just figure out how they did, like, why 21 cents? Like, so specific. Yeah, I know. I wonder too. It might be a formula or something for when it's going off and what the price is or something.

But it is honestly, I watch them and I'm like, oh, this is amazing. Yeah. So good. And I remember, like, obviously when it's, like, a bigger long weekend, let's say, like, Easter or Christmas, my mum, for example, just this Christmas that passed, bought, like, you know, those whole Woolies cakes, like those, not the mud cake, like more than the mud cake, even though the mud cake is sufficient.

But the ones that have like the decorations and stuff. It's in the cardboard. It's in the cardboard, babe. You get it. I think the whole cake was like 83 cents. I'm not exaggerating. I have photos. I have receipts.

That is crazy. And so, yeah, just like, you know, go scout your local Woolies. And they pre-stock for the big weekends probably. Yeah, exactly. As much as they can. So they probably have extra left over. Exactly. Exactly.

Talk to your local Woolies person. That's it. Probably calls too. Yeah, we all do it. Wherever you shop. Maybe not Aldi. I've never seen Aldi mark down anything, but they don't need to, do they? It's so cheap.

They mark sometimes the fun stuff in the middle bit. Yeah, all the random aisle that gets you. Sometimes that stuff goes on sale if it's like a two, I think if it's two lakh left of centre. True. Nobody bought like the mini standing trampolines. They're 20 bucks off or whatever. So random, that aisle.

A whole different blender for like $3. I'd buy that. And then my broke tip for this week, again, is also kind of similar to ones that I've mentioned before, but I'm talking specifically about Adobe today. Sorry, Adobe, if you're listening for some reason to this podcast, please know that I appreciate you. So basically with Adobe, in my life, I've never, you know, how you can do the free trial and stuff like that. You can do that for a lot of things. It's all, you know, great. But if I actually intend on staying, I will always free trial at first and

then pretend that I'm canceling and then be like, no, I don't want this anymore. And then they'll be like, please, babe. And then they'll be like, what if we give it to you cheaper? And then I'm like, no. And then they give it cheaper, cheaper, cheaper. And toward the end, you might even save like half price. So Adobe can be quite expensive. If you can afford it, please pay full price because it's an amazing, like, I don't know. I just love all their programs. It's great. But because I haven't like, you know, I've kind of been in between jobs, I need to pay for that myself now. And I'm like, wow, it is so expensive. So I have unfortunately had to be kind of like be in a position where I'm not rorting the system, but really taking it. Being a little creative.

Exactly. Exactly. And so I would say I'd always recommend that goes for a lot of things. I had the same thing with apps and also like, you know, I tried to cancel my fitness first membership. And they were like, how about this? They kind of gave it to me a lot cheaper, half price. And Like a lot of things, if you're like, I'm leaving, I'm out of here, you know, the companies will be like, please stay and we'll give you X, Y, Z. So just try it. Just try it, you know. So that's my broke tip.

And I hope that is useful for someone out there. And Laura, we'll head to you now. Do you happen to have a broke tip of your own? I do. And mine can come off the back of yours because I find with insurance, car insurance in particular, every year when my car insurance rolls over, something, they often will put it up each year. and if you call them, and it's Life Admin, it's the thing that's like,

it's going to be a big thing, but it actually doesn't take that long. If you call them, or maybe you go on a website where you can compare different insurances and you find a cheaper price for your insurance, and I know you've absolutely recommended this on the podcast before, but it's always one to remind ourselves of because it goes in the pile of Life Admin. And then you call them and say, hey, I'm leaving. I found insurance for this price.

They will very often match it. Amazing. That is really cool. Again, you probably, if you do the little, I'm going to leave RACV for Yui, like somewhat, you know what I mean? They might go, oh, no, please, please stay and give you a little cheeky discount, even if you don't find somewhere that you can match it. Yes. Give it a go. They have online chats now all the time too.

So if it is in that too hard basket for life admin, a little type while you're doing something else, it doesn't go astray. It's so right. It's always worth giving it a go. The worst that they can say is no. Exactly. I'm trying to make that my attitude this year is just take a punt. And if they say no, they say no, that's okay. That's fine.

All right, well, why don't we head to a really quick break and on the other side we're going to be talking about prioritising healthy eating while you're on a budget and navigating going into business with your bestie so don't go anywhere. Welcome back, everyone. Here's our 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, guys, I'm single and I'm on 75K per year and I've set myself the target this year to eat better and have a more balanced diet, but also to whip up my budget into shape and get my savings and emergency fund in place because at the moment it's looking really dire and I just feel like I don't have a safety net, especially in this cost of living crisis.

I feel like I haven't yet managed to do both yet. One week my savings will be better, but my food habits not great. And then the next week I feel like I'm burning through the extra cash at the checkout buying wonderful healthy foods that I know my body needs and deserves. and I just feel like I'm having to sacrifice my health for more money

or I spend more of my money and feel financially stressed but I'm eating better. It's April now and I feel like I'm still on this seesaw and have made no progress. Any advice would be so welcome. Thank you. I'm sorry you're feeling stressed. I feel like a lot of people are feeling stressed right now

and it's so unfair that people need to feel like they have to choose between their health or some level of financial stability. And that's not a reflection on you. That is very much a reflection of the financial climate and the way things are structured, which is just awful. So I just want to say firstly, it's not you. Like you're not the problem here. But I feel like obviously, Laura, you are the co-founder of Kik.

You guys are all about health and balance and all those sorts of things. So I feel like you maybe have some good insight to share. Sure. Yes. So as you said, just to echo what Jess said, it is just horrible to feel like we have to choose between looking after our bodies and our health and then wanting to have financial stability. However, I do think, and this is actually going back to when we first started Kik in 2015 with our ebook was recipes. And the point of the kind of recipe food part of Kik was wanting to kind of

reframe healthy eating as it being able to be accessible and also affordable. I think there's quite a bit of misconception that to eat healthy, you have to go to, you know, the organic food store and like buy really expensive food and everything has to be organic. And that's not feasible for most people in society unless you value that very highly and that's your core spending area and then the rest you save. And so for us at Kik, what's really important is making healthy eating accessible. And so in thinking through how to eat healthy while saving money, there's a few things that I think can really help. So the first one being when things are trending, especially within the health space, we see things trending, it goes kind of from one

thing to the other. They usually go up in price significantly. And so it is, if we, so for example, if anything becomes a, in quotation marks, superfood, like there was a time when oats was, and oats is amazing, really, really healthy food part of the part of our diet that we can eat. Delicious, you know, great for breakfast, however you're going to eat, you're ever going to eat it. But there was a time when it was labelled a superfood and it went up. That's interesting. Any time that that happens, because then the food starts to become popular, so then more brands or new brands kind of are like,

okay, I'm going to make this into a product. Then you end up paying for a lot of the branding and kind of all of the superfoodness around it when it's trending and that can push out what we're spending on our food. It can increase the food bill quite significantly. So not feeling like we have to, you know, follow all the health trends is really important and just always strip it back to basics. The second thing is around canned foods like legumes and beans.

They're really great high sources of protein. They're something that you can buy when they're on sale. So you can stock up if they're half priceable or Coles or wherever you buy them. And they last for ages. Yeah, true. And then also you can add them into casseroles or whatever, like slow, especially as we now go into winter. Slow cooked meals to help bulk up the protein without having to add extra meat. So if you do eat meat and meat is expensive, it's usually the most expensive thing in our kind of

grocery bill of what we're buying. So you can bulk up the protein with the more affordable item in the legumes. And they're really, really good for us. Yeah. I just realized I've been pronouncing that wrong my whole life. Have I? How do you say it? No, no. I say legume, which I feel like is definitely not right. It's definitely tomato or tomato. I think you can say either. I think you can absolutely say either. I was just feeling very embarrassed. No, no, no. There's probably people listening being like, every time I said it, screaming like that is not how you say it. However you say legume or how did you say it? Legume? I say that too. I think it's fine. I think it's fine. Canned beans, however you say it, beans, whatever, lentils,

et cetera. Yeah. Really good for saving money. Yes. And also very, very healthy. But they're Just not, again, they're not, they're probably right now not trending in quotation marks. So we don't think. Exactly. We don't think like, oh, they're really, really healthy, but they are full of and packed with nutrients. So that's a good tip. It's also really important to shop seasonally.

So within your, and also change the recipes that you're making seasonally as well. So you might have a favorite recipe that you love, but it actually might be double the cost to prepare that recipe in winter versus summer because the ingredients might be out of season. True. There's times when capsicums are $18 a kilo. Whoa. So there's one of my favourite recipes in Kik is we have this one,

the most popular recipe is always the one pot ones because no dishes, you just put it all in the pot. But there's one that uses a lot of capsicums. I think it's a one pot fajita bowl. It's so delicious, Mexican fajita bowl. But during the time when capsicums are out of season, that's not a good recipe to make because it's so expensive because it needs about six capsicums.

So it's shopping seasonally. And then the other thing is prepping. Meal prepping is very, very important for saving money. When you go to the shops and we all do it, you know, when you go and you shop for one meal at a time and it's hard because, you know, you had a busy weekend and you didn't do it and then, you know, it's better than getting, it's often more affordable than getting takeaway, but you then buy all this random stuff that you don't need and it ends up being way more expensive per meal than if you prep.

So prepping what you're going to make for the full week, that way then you could buy, So, for example, if you're going to use chicken, you could make three meals with chicken and you can bulk buy the chicken so it's cheaper. You can also as well in terms of meal prepping, which is really because if you think about if you get home, you're so tired, you don't have any, like you just, you can't build cooking and you order Uber Eats. They can cost like $10 in delivery. And Uber Eats as well, often things are about 30% more than if you actually go into that particular shop and order it just because obviously the shop has to make the extra money. The surcharge on top. Exactly right. But the surcharge, the actual cost of things on Uber Eats is more like there's a chicken

shop near me where the chicken might be about, I don't know, $15 if you, probably more, I can't remember, but just say $15 if you buy it in the shop or $25 on Uber Eats. Yes. So I think that's important to acknowledge. But then within that kind of Uber Eats order, just say you end up spending $30 on a meal when, because you just can't be bothered. And for some people, meal prepping and thinking of, for me, like meal prepping every meal for the week, like eating out of having a container with chicken

and rice, whatever is easy to meal prep, is so unappealing. I completely agree. I could not agree more. I think we all know that. Like if you bring lunch to work and it's the same lunch you had every day for the week and, of course, then as soon as one person's like, you want to go get. Immediately, yes.

Do you like Guzman and Gohmert? Do you call it guzzies? I love Guzman. Guzzies? Do you know? GYG. But I love that. Why do I think you call it guzzies?

I mean, I'm into it. I'm going to call it guzzies. Whatever it is. You're saying, yeah, guzzies. let's go get, you know, let's go get sushi or whatever it might be. You're so much, you're going to be like, yeah, I have eaten this same lunch for the last like 10 days. So it's with meal prepping, it's important to remember that I think some people are like, I just can't do that. So I can't meal prep. But there's many ways that you can do it. It might be

making, you might have bolognese for dinner one night, making more of that sauce, freezing that in the freezer. So then when you, in the whatever week, you know, you're going to have a really big day, defrost that in the morning, you get home, you still cook the pasta are fresh. You can add a little bit more vegetables or something. So it feels like a new exciting meal. You haven't had bolognese every single day for the past six days and you're over it. But it's still a really easy, affordable meal to meal prep. So really thinking about what type of meal prep works for you and then letting that, you know, working in with that instead of just thinking that I just can't have the same meal every day. The other one

is shopping at the market. Often if you are near a market for fruit and veg, it can be a really affordable way to buy fruit and veg. So I find when I do do my shop at the market, it is I get the fruit and veg is super fresh and they always have specials that mean that you might, you know, there might be a special of, I don't know, potatoes or whatever bananas, something is really reduced. So then it's like, okay, how could you make that vegetable

or whatever it might be work for you in that week to reduce the food cost. Yeah, can you freeze the bananas and use them in acai bowls? Exactly right. A hundred percent or smoothies or whatever it might be, but it's thinking about how can you, and not, I think it's just kind of not feeling like you have to buy into the trends when it comes to health and it's really stripping it back to basics. And I mean, that's a big part of why we started Kik because healthy doesn't have to be trendy or show. It's not, it's stripping it back to basics and it's a healthy meal is like meat and three veg, if that's what you want to

or whatever it is. It can be affordable, but it's reframing, I think, what we think health looks like versus what it actually is. It's way less glamorous than, you know, what I think sometimes social media makes it seem like. It doesn't need to be super complex either. Exactly. Totally.

I completely agree with that. And I feel like you've really kind of like captured everything there. But I guess like just to add to that, exactly as we were saying before, like going to your Woolies, your Harris Farms, sometimes like I know there's not really a Harris Farm in Victoria, I don't think, but like in New South Wales, they will have like bags of veggies for like $2 or something. And just like exactly as you say, like finding a way to make that work for you for the week, going back next week and seeing what other like weird little specials, bags of like

miscellaneous fruits and veg they have and things like that. I recently just bought a box of good and fugly, which is like, you know, fruits and veg that they're going to throw out because they're fugly yeah um but they're really still good for you and like it's probably it's like 39 a box but like you have there's so much in there so i feel like you know doing that like going to places where it's like you know cheaper by miles for example which i know again is something that's probably only in melbourne i think it's like things that are you know either being discontinued but still good or ugly vegetables and things like that and still got the same amount of nutrients If a cucumber like has a hole in it or if it has a worm, it's not good to buy.

But if it's bent, if it's bent, it's still got exactly the same amount of nutrients. Exactly, exactly. Yeah, totally. And I feel like, yeah, pre-planning your meals and things like that, you can kind of like say that you don't actually need that much to get like kind of like a lot of nutrients out of like fruits, vegetables, legumes, things like that. Like I, when I was trying to eat really healthy, I was like, I need to eat the rainbow in every meal.

Like you don't need to do that. You know, you could just have like some frozen broccoli. Also, go frozen. Frozen is so good. I feel like that's a really good way to get your fruits and veggies in cheap and also easy to prepare, easy to cook, all that kind of stuff. And also it's like frozen at time of harvest, I think. I don't know.

I made that up. So maybe it's like more nutritious. No, they're fresh. Oh, it is. What's they called? Snap frozen? Snap frozen. Snap frozen.

Exactly right. So they keep a lot of the nutrients. But I think a lot of people, again, frozen vegetables are not glamorous. They're not, you know, you don't go to a cafe that's super, in quotation marks healthy and they serve you fruits and vegetables so but it is such a good option and they're already prepped so it's so much easier just exactly exactly but yeah you're doing your best and that's all you can do i agree also see if you can like one little thing for me is see if you can make your leftovers into like grow your leftovers so like avocados for example are

really easy if you take the pit of your avocado and you put a little skewer in it and you put it over water, you can grow an avocado plant and grow an avocado. True. A lot of herbs are the same. Like if you buy fresh herbs, you can then propagate those and plant them and then you never have to buy the herb again. So like just little things, which I know that that might seem a little extreme, like it seems like a lot of effort. But if you're really having a tough time, I think financially, it's about how can you extend everything. Also using, this is embarrassing for me, but how can you use the whole thing? I used to only use the leaves of pak choi and I would chuck the bottom bit you didn't turns out you can cook that i didn't know that wait bok choy

or pak choy pak choy bok choy they're different variations of like the bottom is so there you go but now you know now i know but i think there are a lot of like things that may be like a recipe cause for a certain part of a vegetable but for the most part you can cook and use the whole thing so like figuring out learning not being dumb like me and not realizing that you can't i don't feel stupid now but learn from my mistakes like use all of those things use leftovers to grow things if you can because all those little bits add up but also I think don't beat yourself up if you have a week where you're like I can only do this and it's not as healthy as I wanted to be I think like health is often an all or nothing thing in our minds and it's not it's not at all and just

don't beat yourself up I think because that's something that I've been guilty of in the past is I set this goal or this expectation for myself and then I don't get there and I feel really awful about myself and that it's harder to get back on the horse and it's a whole thing. So I think you are doing your best and it's awesome that you've identified that you need to have this emergency fund. And I'm so happy that you're prioritizing that because that will bring you, I think, a lot of peace of mind. And if that sometimes comes at the cost of you not eating in the way that you wanted to, as long as you are feeding yourself the nutrients that you need, that's all that matters. Like as long as you are getting what you need and you're surviving and

you are doing your best and we're so proud of you just for doing that, I think. So please don't feel bad. You are doing awesome. Great advice, Jess. Wow, that made me feel empowered. Oh, good. I'm so glad. Not to fully switch tune, but do we want to chat about this week's Juicy Juicy DM? Yes, please. All right. So the DM says this. Hey, girls. So my best friend of 10 years and I have been talking for quite some time about starting a business together. It's going to be a jewelry brand and we've put heaps of time and effort into this and we're finally ready to kickstart things. Whilst I'm so excited, I'm thinking, is it a bad idea to mix business and friendship? What do we do if we have a disagreement? How do we navigate different opinions,

especially because we have very different ways of resolving conflict? On first glance, starting a business with my bestie sounds like so much fun, but I'm afraid it will have a negative impact on our friendship. My dad once worked with his best friend and the job went bad and they ended up losing the friendship. So my question is, what's your best advice for navigating owning business with a friend? And what do you do when you need to have tough conversations? Also on the flip side, do you think there are any great advantages we should know about? That's a good question. And who better? and someone who has worked with their best friend for how uh since 2015 so almost 10 years now

almost a full decade yeah that we've been working on kick or some you know before kick was kick i can offer some advice on that so i think when we first started people definitely said to us never go in it's i mean it's something that i think we just have it's been embedded into our belief system never go into business with a friend yeah because you know it will ruin your friendship and all of those things. I think it's really important to try and take that noise out of your decision because what other people's experiences are, while they might be helpful if they're exactly the same as you, they often can cloud our judgment because every experience is different for everyone. So in making the decision, obviously it's, especially if it is

from your dad who shared that with you, it can make it a little bit harder because that is very close to home, but I think definitely take it on board, but don't let that cloud your decision. I think the most important thing to start out with and a big part of how Steph and I have been able to work the way that we have for such a long time is being very aligned and this is I don't do not think you can go into business with anyone if it's your friend or not if you were not aligned on the vision and where you want to take the business that includes at what point will you pay yourselves, what are you both doing in the business? Like what are you both bringing to the table? And it's really important that that's different. If it is the same, that's something

that I have seen in many kind of business or business partner relationships where you bring the same skill set that can become quite difficult once you, when you start, you're kind of doing everything. And when you bring a team on that can become a little bit difficult. So it's really important that you're, and also, so then it doesn't make sense to start, if you're starting a business and you're going to give half of it, or if it's your idea, or maybe you have a lot of the ideas together, but if you're going to give half of the equity of your business to someone else and they're going to give it to you, you need to do that for a reason, right? And we are going to start this business together and we're going to be the best people to do this because we bring

X, Y, and Z to the table. So it's really important to be clear on that. Set clear, it's all about communication and setting expectations because if you haven't set an expectation that for example if you're working going to work full-time in the business but your business partner still has a job and is going to do it after hours being really clear on what are your expectations if you're working full-time are you going to be paid for that time because they're being paid in their job what are the expectations on them in the hours that they're going to do because when that goes unspoken and there's kind of assumptions no assumptions don't go into any business arrangement with assumptions. It's important to have an agreement. It's interesting, everyone said this

to Steph and I and we had one and we actually ended up never looking at it, but it is important to have, you know, just in case, so you've got that down. And then as you kind of navigated and, you know, for Steph and I, as I said, it's almost been a decade. What's really important to enable is to never stop communicating because as humans, our wants and our needs change and that's okay. And if you are with this jury business, which sounds amazing, going to go into business, it might be a 10-year journey, it might be five, it might be one, it might be 20 years, you don't know. But over that time, you will both evolve as people and what you want will change.

And so it is very important that you create a safe space to enable those conversations to speak about what you want and if it changes to have that conversation. So you might have, when you start, you might think, okay, we want to grow this business and have brick and mortar stores. We want to have, you know, all around Australia. And that's the goal. There might be something that happens in either one of the business partners lives where that no longer is what they want. You don't want to be in business with someone who doesn't want to be there anymore, or who's like feeling like they're not living, you know, or being in that business because being a founder is all encompassing and it consumes a lot of your life.

You don't want to be in business with someone who, even though they started by wanting one thing, it then changed and then they feel unhappy you don't want to be in business someone who's unhappy you want to enable that conversation and be comfortable that things may change and you will find a solution but you have to open the space to talk through it yeah and that's something that Steph and I have learned along the journey it's very easy to get caught up in the just day-to-day kind of this has to be done this has to be done without taking space and time to sit down and say like hey how are you how are you going because there's there is going to be things that you're both going to do that are going to maybe annoy each other it's inevitable exactly right but it's

so important that you work through them because otherwise you can build things like resentment and you start to have this kind of you can build an elephant within your partnership often this is also advice for like a lot of relationships in our lives but especially you know, as business partners that you could have avoided by just having a conversation and you are going to have to have uncomfortable conversations. I think that's something that we, and I don't know if it's through COVID or in the way that we live in, like, for example, on Facebook, your algorithm is very close to what you believe because Facebook, it knows what you believe, so you'll serve what you believe.

And sometimes we become very, or we have, I think, become very uncomfortable with uncomfortable conversations. saying something that you, so for example, just say you want to do the bricks. One wants to do, you had an idea, you're going to do the brick and mortar stores. But then one said, hey, I actually don't want this anymore. I want to take the business global or I want to step out of the business or whatever it might be. That is going to be an uncomfortable conversation because you're changing your mind, but it is okay to change your mind. It is okay to voice those things. And if you avoid it, it just gets really, really, really hard. So that's the most important

advice that I would have is know that you have to create a safe space to have those conversations, that you have the respect. And this is what Steph and I, like we have, I'm so grateful to be able to work with someone who trusts me wholeheartedly and respects me wholeheartedly. And I know going into any uncomfortable conversation that we have, that we both want the best. It's obviously important to say what we want, but we also want the best for each other. And we're not going in thinking like, oh, I'm going to say this and I just really want to piss the other person off or whatever. It's like, no, we're going in because we value and respect our friendship so much first before our kind of business partnership that we want to protect it so then we can be the best

business partners for our team and then for the mission and et cetera. Have you found that as, you know, you guys have been in business for such a long time now, you've been friends for way longer from what I understand, right? Did at any point your relationship suffer because of work, not because necessarily you were having conflict, but just, I can imagine if you see someone every day at the office or whatever, then making time outside of work might not seem like such a priority or did it impact the relationship at all between you guys in those kinds of ways? It definitely goes through seasons, like all kind of relationships that we have in our

lives. I think it is that something that's really important is making time outside of work to spend together where you don't talk about work and you nourish that, you know, that beautiful friendship. That's why you started working together in the first place. and that is very very important and so absolutely there's been times where we've and it's come from avoiding conversations and we avoided and this is it's been a journey for us we didn't avoid them because we were like oh I just want to build this up my head and make this big story up we avoided

them because we were trying to protect the and this is what we're working through is we tell each other like 97 but the three percent that we don't share is and I think this is very prominent in many relationships is not because we want to keep anything from each other, but it's because we're trying to protect the other one from that 3%. It might be something that we want, but we're like, that's going to be uncomfortable to talk through. That's going to, I don't know if that's going

to be the best thing for them. But again, this is all assumptions. This is all assumptions of what you think, like for me, like maybe what I thought Steph would think or what Steph thought I would think. And that protecting each other, which is always a good intention, has been sometimes the reason that we've avoided conversations and let them build up.

And then we've had it. It's been like, oh, my God, why didn't we talk about this six months ago? But because we're trying to protect each other based on assumptions that are not true. It became this big thing and it didn't need to be. Exactly. And even some, it's a smaller thing or bigger thing. And in an assumption, it's kind of thinking, okay,

I can't say this because I think even in whatever relationship, this person is going to say this back. This is how it's going to impact them. You don't know how it's going to impact them. But to not have conversations because of these assumptions that are most likely not true can be very dangerous for relationships. Yeah, completely. Yeah, I completely agree with everything you're saying.

It's all about communication. And when you were reading this out, I was kind of thinking it could work until it got to the point where she said that they have different conflict resolution styles. and like yeah that obviously not our whole friendship relationship you know whatever it looks like is going to be conflict after conflict but if you deal with conflict differently I can only assume that the kind of like communication styles are also quite different also if it does get to a point where like sure you've had an uncomfortable situation or you have you have

had an uncomfortable conversation and it's turned into a conflict it's already kind of gone through all the steps of like gentle conversation uncomfortable conversation now it's a conflict and then I just can't see that going very well like if you do have different conflict resolution styles like it can work if everyone's like this is how you like to do it and so I like to do it so let's compromise and let's kind of like and create a process before you go into business of how are we going to create and if they have different conflict styles and maybe communication styles it's possible and it's very likely one would feel more comfortable with being possibly dominant and maybe not dominant but with conflict and assertiveness and then one may not and that

can be quite dangerous in a relationship if you don't acknowledge it and speak about it so maybe it's speaking through that totally as you said how what is your conflict resolution style look maybe not even starting with conflict because you don't want to get to conflict you want to rename it as and reframe it as communication style as you said yeah and working through differences Exactly. But you're always wanting the best for the business, right? Yeah. And so talking about it before and how we work through this

and being really honest about how that, when that, whatever the other person does for conflict resolution, how that makes you feel and vice versa. So then you can maybe work through, can we actually navigate this? Because that's so true. It would be quite difficult if that is not addressed. Totally. My best friend and I just really quickly, we, well, she owns a coffee van

but we used to run one together in Sorrento, beautiful Sorrento. And we like, we're still like best friends to this day and we do argue a lot. We're kind of like, you know, like an old married couple. So we're very comfortable arguing with each other. But when we were doing this, because she's kind of the type that would, there would be like a bit of an issue. She wants to go away and think about it and then come back

when all of her thoughts are in order and then discuss it. But I like just want to talk about it right here, right now. And let's just like, let's just sit down. Let's just like calm down and talk. I cannot like let it simmer but she must have let it simmer so we realized very quickly we weren't very good as business partners or whatever that was and so I think yeah it just you know exactly just it's all about communication just talk about it just talk about it yeah no I'm the only person who hasn't gone into business with someone so I don't know that

I'm the best person to talk about it but I will say I have observed many a business partnership fall apart and not to be the downer, but I will say that not every set of friends is made or equipped to go into business together, even if the intentions are the best of the best. So I would really make sure that you sit with it and think about it because I think, you know, I do have a small business and a lot of us who have small businesses, you get stuck in the thought of small, like you're just thinking about your current day-to-day operations and the little things that you do. But I think if you're going into business, ideally, like you do want to get to a point where you're scaling, whether that's scaling a team, whether that's scaling income,

whether that's scaling product. And so at some point, if everything goes the way that you hope it will, you will one day be a bigger business. And with a bigger business comes, I think, significantly more challenges. And it becomes harder to navigate if you don't have that really solid foundation. Again, this is just what I've observed. No, that's very true. I 100% agree. So I think like it is worth reflecting now. Imagine you and your best friend had a team of 10 people or imagine you had a business that was turning over half a million dollars a year or whatever your ideal big picture end game looks like. Do you think that you could still run that business effectively as a team? Because ultimately that's what you are. You're a team that is trying

to build this thing. And so I think if you have doubts now, I think it's really important that you look into them deeply because it may the outcome may be like there is a possibility that it just might not work like as much as you want it to as much as you're the best of friends and you want to do this cool thing together if you have doubts there may be a reason and so I just I would suggest sitting with them and really like reflecting deeply on them because it may be a thing that your communication styles are just too different and you know when you have that conflict it could tear that relationship apart and you don't you don't want that either I don't know that anything would be worth that. So I think also just considering that outcome as an option,

I hope that that's not the case. Like I want you guys to be able to go into business and to build this incredible thing, but it's okay if it is. It's okay if it is, absolutely. And I've seen many a person go down that path and it is very hard on everybody. So yeah, we did ask a few questions of you guys on our Instagram at She's On The Money AUS. If you want to join in every week, these are so much fun. So the first thing we said was, would you ever consider starting a business or a side hustle with your friend or somebody close to you? 35% of people said, yes, it would be slay and I would love that. And 65% of people said, no, I wouldn't want to risk my friendship. Next, we asked, if you have done this before, how has it impacted your relationship?

30% of people said, it's made us closer than ever. And 70% of people said, we've had some issues. Third thing that we asked was, do you think that being besties would make running a business easier or harder. And this was interesting. 23% of people said easier and 77% of people said they thought that it would be harder. So I really feel like you and Steph are kind of unicorns in the way that you guys have done so well. But we did ask for a bit more details. We said, what advantages do you think would come with running a business with your bestie? And it was really varied. So some people said, you know, you know how they think, you know how they work, you can work to your strengths and your weaknesses, which I think really goes back to what you were saying before,

laura someone said the good days would be so much fun like just think about how much fun you could have together someone said you can understand each other's support and conflict needs their habits their triggers which i think is also i guess the flip side of that's true of the negative is you know or may be able to preempt but then are we getting into that dangerous territory where you're assuming so it could be like a little bit of a double-edged sword lots of people saying your values are likely aligned because you were good friends you know if you are best friends you've built that relationship on respect and honesty and all of those great qualities that we look for in friendship so that should translate really nicely into a business partner getting to work

together all the time sounds really fun so overwhelmingly I would say people seemed pretty positive about it and so then we said tell us your two cents any other thoughts on mixing business and friendship. And I just want to say, not a word of a lie, the first thing that came up is Steph and Laura from Kik did it and are thriving. So many people can do it. It's possible, which I just think is so sweet. Lots of people are saying, get contracts and written agreements in place, which I agree with very strongly. I think coming back to that, imagining you're a big business, when you're small, you go, oh, it doesn't matter. Like it's just the two of us from our garage. Like it's not that big of a deal. It's not that deep. But I think if you

treat yourself as that big, big business from the very start. That means having agreements in place. If one person wants to step away, what does that look like? If one person is doing more work than the other person, what does that look like? I think outlining the financial and some of the interpersonal things can help avoid conflict later on. I know you guys said you never used your agreement, but you had one from the beginning, right? We had one. And so it's important to put in there your, depending if you're paying yourself or if you're not, that's really important. expectations in terms of work hours or however you measure work output if it's in tasks whatever it my projects whatever it might be I think sometimes we can over complicate it in thinking

we need to solve for so for example around if someone to leave at one point that's very hard to solve for and in it because hopefully that doesn't happen I think it's putting the basics down because you don't want to make it overwhelming and that like you have to solve for everything in this original contract. I think it is such amazing advice to think about yourself as a big business in that. But try not to also, I think, put too much pressure to solve everything. But the really important things is whatever's happening with money, like how you be financially supported and what is the output of each of you going to be. And you could even put in there too that you're going to catch up every month and talk through, you know, where you're both at

and that the contract is open to changing as you both evolve, which may mean then you have to solve for actually one of us isn't in this anymore or whatever it might be. You can always amend or update it later, absolutely. People saying set aside time each week socially where you don't talk about the business at all and can connect as friends is really important. Lots and lots of people saying contracts and boundaries as well,

having clear, you know, outside of work we don't talk about these things or, you know, this day is my day off and I don't want to think about work or things of that nature. Also quite a few people saying it's a bad idea, don't do it. So it's a really mixed bag. But I think ultimately it's really well summed up by what you were saying before, Laura, which is it can be so great

and there can be so many wonderful things to it, but you need to set it up for success early, which, you know, is what you were saying as well, Bec. So I think hopefully that helps answer the question. Does anybody else have any last thoughts before we sked out a little out of here? Personally, I'm okay. You're feeling good?

Laura, thank you for coming in. And if people want to see more of you or of Kik, where can they find you guys? So you can find us on Instagram at Kik.app. And if you do want to try the app, we've got everything. We've got over 1,000 workouts, recipes and meditations there. Thank you. Sammy's workout are my favourite.

Oh, Sammy's amazing. Sammy's strength is so good. And the Pilates is also great. She's amazing. That's so important too. I really wanted to make sure we shared a code with your community because I know especially, and I mean it links in so well to what we spoke about earlier with making healthy eating accessible

but exercise as well, like a Pilates membership, like all of these different, like a running program, all of these separate things can add up to a lot. And so at Kik we've wanted to put it all within the one membership. And so if you do want to give it a go and try, if you go onto our website, www.kikapp.com, and then sign up to the monthly membership and enter the code MONEYMONTH, capital M-O-N-E-Y-M-O-N-T-H.

Is that how you spell money month? Yes, well done. Amazing. You can try Kik and then once you create an account on the website and use the code, then download the app, log in with the same details and, yeah, you can experience it all. It's great. I'm going to do that.

Is that okay, am I allowed? Oh, my God, of course. Oh, thank you, Naiden. Please let me know what you think of it. We always love feedback, innit? Thank you so much. Incredible. Thank you so much.

It has been so nice having you on. genuinely like such a treat. So thank you so much. Thank you for having me. Have a wonderful weekend, guys. Victoria will see you bright and early on Monday for Money Diary. See you later. Bye, guys. 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 321 649 27708 AFSL 451 289. Thank you.