She's On The Money - Victoria Almost Fell Victim to a Scam (and How to Protect Yourself)

Episode Date: February 6, 2025

Victoria just lived out her own true crime moment and she's here to spill the tea. She found an ACTUAL card skimmer at an ATM and girl ripped it off with her bare hands! If you've ever wondered how scammers get their sneaky little hands on your money (and, more importantly, how to stop them), you need to hear this wild story. But that’s just the beginning. We’re also diving into a tough community question about navigating unemployment, from what to do when job hunting feels impossible to how to support a partner who’s struggling to find work. On top of that, we’ve got broke tips to cut your bills, money wins that score you free dinners, and the ultimate movie night setup, complete with a popcorn machine. This episode is packed with drama, laughs, and seriously iconic money-saving hacks, so get comfy and hit play!Check out Vs video about the ATM skimmer here. Ready for more laughs, lessons, and unhinged money chats? Check out out oh-so-bingeable Friday Drinks playlist. Listen 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 that makes personal finance fun, especially on Fridays. It's our favorite day of the week because we get the team together and we get to celebrate you, our incredible She's On The Money community. Miss Jessica Ricci is here as always to share our favourite money wins from the week that was. Bec is here to share her favourite broke tips and we're going to be helping to answer a money dilemma, which this week is all about protecting yourself from scams,

which is very timely as I myself almost fell victim to a scam recently. And something that you slid into our DMs about, we're chatting about navigating an extended unemployment break, which can be really hard and often unforeseen so I feel like this episode is going to be really fun and very diverse from like getting scammed to being unemployed to talking about money wins and confessions I broke tea I just feel like there's going to be a lot of juicy stuff in this week but before we get there my friends Jess Beck how are your weeks go first please my week's been good what have I been doing not much planning for I'm throwing outdoor movie night at my house oh

my god i've seen it on tiktok oh yeah i my tax treat to myself i think i told the potty last year was i bought a projector and i was like oh the weather's so nice i feel like it would be really fun and then i found this like vintage looking popcorn machine on facebook marketplace for 20 she bought a proper like it looks like one of those it's like mini but like one of the ones that the movies has yeah that's cool you know how i feel about movie popcorn oh yeah it's an investment but yeah i want to make it like a whole big thing like all themed and cutesy i want to throw like a again I feel like I've told you guys this by last year one of my goals you don't even like events or themes no not at all I don't get it I want to throw a themed dinner every month

last year and I did not throw a single one oh good good good start so I carried it over to this year we can only go up from here that's what I thought so we're starting with uh like diner movie night vibes that is so cute what else is on the menu we have to know so we've got the popcorn well this is what I'm trying to figure out so I wanted to do like vintage diner feel so I went Um, hot dogs, fries, but I'm still trying to think of what else. All right. Gimme, gimme, gimme. This is actually a really weird time, Jess, because literally tomorrow I'm having a movie

thing as well, but with Pizza Hut buffet, ice cream, like, you know how they have the jelly, the brownies, the sprinkles. Oh my God, yes. I'm going to do all that. That's so fun. So maybe could, like, you need to get choc-tops, I imagine. Oh my God, yes, definitely. Or I think a banana split.

Like, you have to have a, like, banana split's a good idea. I like that. I just feel like, yeah. But like diner vibes, but like a banana split like station so you can like decorate your own. Yes, yes, yes. A station would be good. I don't even think that would be expensive because you'd like

get some bananas, some vanilla, like tub of Neapolitan ice cream and then like some sprinkles and chopped chips. Whipped cream. Oh, the spray whipped cream. It has to be the spray one. Yes, definitely. Now, I don't know what your budget's looking like, but you get those big red drapes.

They're cute outside. There's nothing to hang it on is the annoying thing. But I do really like that idea. That's cute. That would be very cute. oh my gosh we can swap milkshakes yeah like what drinks are we having oh yeah like spiders or something milkshakes you could do like oh my gosh could you find i'm just gonna take this to the next level could you find on amazon like the old vintage milkshake glasses i have a few

straws yeah i have red and white striped straws yeah i bought a little um you know what it's gonna sound like that i promise i promise you guys not the reject shop you know we always talk by the Registrar, such good stuff. Slept on. Yeah, they had little, like, you know, the plastic baskets that they put food in at diners and stuff, like the little red ones. Yes, yes. Yes, oh, my gosh.

Yeah. I think you should, when everyone walks in, give people their ticket and then be like, okay, can you line back up? And then you look at it, you rip it, you say number seven down the hall or whatever. I think you should fully be. Commit to the bit. You need to commit the whole day and everyone's like,

oh, Jessica, it's funny, but stop now. and you're like, no, you're going to like go in there with your flashlight and you're going to be looking at, oh, don't put it on your phone. Make sure no one brings in their own snacks. You're going to be very, very strict. Maraschino cherries to go on top of the banana split. Oh, yes, good idea. And those wafer straws.

Yeah, yeah, yeah. Do you know what I'm talking about? Like the wafer straw things. Corinthians. I love a Corinthian. Are they actually only available at Christmas time? I hope not that I think so. BW sells them, usually, I think,

because I have been known to buy and eat a whole tub by myself. Also, you don't have a Costco membership, but I know that your friend does, and I'm assuming your friend's going to be invited to the party so you could ask to borrow it. They have mini corn dogs at Costco, so you could, like, do the corn dog thing. I feel like that's got, imagine a little corn dog

and a little, like, tub of sauce in one of your little baskets. So have you ever been, Marie? You know what? I had one and it broke, which is very sad. Jessica, what were you doing with it, babe Marie? Yeah. I lent it to a friend and it came back and then I put it in my cupboard for months and then it was just disuse or something

and it just wasn't working. I feel like that's fair. Also, could you turn it into a sleepover? Oh, that would be quite cute. Because you could have a sleep and then in the morning you could do like a diner breakfast. Oh, pancakes and stuff. Oh, my goodness.

I love that you guys are as excited about me. This is really racking up the cost of this. Yeah, 100%. But, like, when Jess commits to a theme, Jess commits to a theme. Yeah. You'd be amazed what you can buy secondhand, too. Hats, hats. True.

You need the little paper diner hats. Oh, that would be really cute. Oh, my God. I'm sure you could, like, fold them out of some newspaper or something. Yeah, like paper, totally. Napkin. Yeah, but, like, anyway, we'll move on. Oh, yeah, okay.

Turns out Jess is having a better week than everybody. Sorry, sorry, what movie are you watching? That's all I have. I haven't picked the movie. That's the theme. Okay, I think you should watch Smile 2. If you haven't watched Smile 1, then watch Smile 1. Sorry, continue.

I don't even know what those are, but I'll put them in consideration. I am very excited. Bec, how's your week been? Has it been as good as Corinthians? I don't think there's anything as good as Corinthians. And I'll bring some in soon. I'm going to find them. Please, I'm obsessed with Corinthians.

And there really is like a withdrawal period after Christmas. I'm glad to know that they sell them at BW. They used to anyway. I don't know if they still do. I hope I'm not mis-spreading this information. Yeah, seriously. It's a very hard month. Cancel the podcast.

it's been really good I was doing with a friend but we both came from share houses and so we don't have any furniture literally nothing like we're like

like buying oven trays and cutlery dividers oh my gosh and it adds up doesn't it it does add up but just these things that I'm like I've never thought to buy

so I'm like where do you even get them from like I actually don't know where to buy an oven tray like not all words Kmart Kmart honestly Kmart

do you need them to be like because I'm thinking they need to be pre-rusted but they just pre-rusted no do you know what you could probably go to an op shop and find a lot of these things

yeah that's true I feel like people often donate their surplus. So it's not even like, oh, this one's broken, I'll get rid of it. Like, I feel like there's lots of kitchen stuff. Yeah, I agree. Yeah, true. Like, I feel like an op shop. But then also I found that sometimes op shops are getting a bit expensive.

They really are. Yeah, like maybe have a look at the prices and stuff that came up before you go into the op shop. Because you might go, oh, $4 for like oven tray, that's a really good deal. Like, they must be like $50 or something in your head. Like maybe you just don't know how to price it. And then they're actually like $3 at Kmart or something. You'd be a pretty annoyed human being. Oh, my God, totally.

I'm really nervous. Even with Marketplace, I'm noticing that people are like $20 for this side table and then I like go on Kmart. It's $15 at Kmart for the same exact one. Excuse me. That's crazy. You know, but anyway, so it's been expensive. Just be vigilant, guys.

You could get scammed. Be vigilant. Subtle foreshadowing. I think we need to hear a bit more about this scam that you almost fell victim to. I hit the jackpot. I did. So I was telling you off air about how obviously I am a finance crime girlie. Like I love crime. I have, you know, pipe dream one day to have my own like crime podcast. Who knows if that'll ever happen? Like that's just a pipe dream. As I said, I listen to true crime everything.

So like you best believe your girl knows a fair bit about like skimming devices and how to scam people because like I fall onto that side of TikTok. And if I'm not on that side of TikTok, I'm probably watching a documentary on it. Like I don't know what is wrong with me or what type of trauma I went through to make me so obsessed with this type of content. So like in the back of my head, every time I go to get cash out, I just like have this dream that maybe one day I'll like spot a skimming device or something.

I did. I did. I did find a skimming device and I ripped it off the ATM and I got the cops involved. It all sounds very dramatic. I know. Okay. Okay, so what, like, so you went?

So I went to the ATM. One of my most asked questions on Instagram when I said I found this was like, V, why are you getting cash out? I was going to say. What, are you buying a vape or something? Whose business is that? No, I wasn't buying a vape. Everybody who lives where I live knows that the Good Fish and Chip shop

is run by Peter who doesn't take card. He only does cash. Cash is king. Cash is king. And Peter, live, love, laugh. I will pay cash and I will not question your business ethics because you do provide the good chippies. Like in anyone who gives you a good chippy. You do whatever they say, literally whatever they say. Exactly. Like, you know who we love the most at the pub?

The person who buys the chippies for the table. Yes. So true. So anyone with the good chippies, no question. No questions. No questions. That's why I was getting cash out for those of you who a pervy but I'm at the ATM I'm in my bikini I'm looking at the ATM suspiciously as I always do because I kind of want to manifest finding a scamming device because it would be peak life for me and the plastic around the keypad looks suspicious it was a little bit raised and I was like that doesn't look right maybe this is a crap ATM yes and then I like look upside down and I'm like oh that light looks a little bit like not the plastic around the light didn't look fitted and I was like what the hell and there was enough room in the light well area you know the

light that shines onto the keypad yeah to stick my finger probably a bad idea could have been full of spiders like who knows I don't think Jessica would have done it I think she would have just been like oh no absolutely not but I did I tucked my finger in there and realized that it was like a little bit loose like you know when you pull on something and it's like got double-sided sticky tape on the other side so you know it could quote easily come off but you're not feeling like it's clipped in or anything you're like getting that like resistance that's like this would come off with a little bit of force yeah so I'm like I could go to jail for like vandalizing this ATM or I could achieve a life goal yes um so obviously I pulled it off and I pulled it off and the split

second after it like actually like ripped off I was like oh my god I've actually broken the ATM oh like the panic like the panic of being like oh that actually worked like I didn't mean that and then I flipped it around and was like I was right it was a skimming device how did you know attached to the plastic well it just looked suspicious Bec and the more that I stared at it the more I realized it was not actually like it was sticking a little bit up and like you wouldn't have noticed because it had been custom molded for this ATM machine anyway I pull it off and I flip it upside down to look at this piece of giant plastic that I pulled off there's Instagram pictures all over my Instagram of this, if you want to see. I flip it over and there's two phone

batteries, hot glued to the back of this plastic piece. There's some wires, an SD card and some other wires that went to a hidden camera. And I was like, what the heck? I didn't know what to do. Obviously I ended up working out what to do, pulled it off, took a whole heap of videos of it. At the start, I wasn't even taking videos to post on social media. I was taking videos because I was like I probably should give this to the police and I probably should explain how I found it and why I was attempting to vandalize an ATM machine because what are you going to do walk into the cop shop and be like hey policeman so I actually found something that's helpful for you but it was because I was vandalizing something I was trying to steal some money yeah like but that's not what

I was doing anyway so found that got the police involved turns out it is obviously very serious crime they're very interested in it because these things don't come up as often as I thought they might have. Jess, you were saying that one was in your area recently, which is kind of terrifying. We had literally like the week before I got posted in like our local, you know, Facebook community group, someone saying they'd found one in like the main strip near me. That's so wild. I think it was from memory out near a supermarket. Like it wasn't out the front of a bank. It was. No, so ours was out the front of a supermarket as well. And it was a standalone ATM,

not run by one of the banks. So like it wasn't bank affiliated. It was like one of those like quick ATM things that charge you exorbitant fees to use it but like it's in a very convenient location yeah yeah which is so interesting but scary because I agree I feel like you heard a lot about them but like I've never I've never known anybody or anyone near me or anything to find one and then all of a sudden there's one near me and then you find one and I'm like whoa this is crazy yeah because I think a lot of us like we talk about you know how to protect yourself if you're traveling overseas like we always say don't use your bank card like use your travel card and only transfer money to that card because skimming is so popular internationally you just don't think

it would happen on your own doorstep yeah and like anyway that was really spicy and good to find and I mean if you find something on an ATM that looks suspicious at the end of the day a ATM has been built to not be broken into like it's there it's full of thousands of dollars I believe on average an ATM holds about fifteen thousand dollars in cash because obviously every day people come and get $50 out, $100 out, maybe like $500 to pay someone. Lots of money goes through an ATM on a daily basis. So you don't want to make it easy to break into. So if it looks like it could come off an ATM, it's usually a bit of a sign that maybe it shouldn't be there. If the lights look a little bit off, if the keypad looks a little bit off, just be vigilant. There's lots of TikToks

that you can look up, have a look at, but I would be vigilant. Yeah. This is a silly question, But when you were explaining that, I was like, I wonder, I gather that they have the card details from the skimming. Yeah. And then do they make purchases or do they take money out somehow of that card? So just to backtrack because I just realized I hadn't explained it properly. So a skimming device could like could be lots of different things. The one I found was a two part. So it was the piece of plastic that I found that I pulled off the keypad that had a hidden camera in it that recorded you putting your pin code in to the machine.

Okay. The other piece of plastic I was unable to remove. I could see it. I took videos of it. I showed the cops, did all of that. And it has since been removed. So don't stress, but they would have quote skimmed your credit card details as you went in and went out. They like capture that magnetic information from the magnetic strip on the back of your ATM card. They then take blank ATM cards and copy over your ATM card to a blank card. They then time match the time that you put your pin code in and watch the video and go oh Bex pin codes one two three four they take the blank version of your card to an ATM pop it in put your pin code in and withdraw all your cash which is why and I didn't even realize I still did this until you posted about it but my mum

always did it and it's just a habit I picked up but like having your wallet over like your hand or something when you type in an ATM it's literally it's like a reflex for me because it's just something my mum always did I'm sure she probably told me to do it but I didn't even think about it until I think you said on your stories, make sure you cover it with your hand or whatever. So just a reminder, cover your hand when you put your pin. And I mean, it doesn't stop everything. Like that's not going to stop you being completely scammed. But if it's one of these types of skimmers, they actually need those two pieces of information and you're kind of stopping them. And I think because I found one, you guys might go, oh, you just have to look

like they are purpose-built for the machines and are purpose-built to look like a piece of the machine that you wouldn't question. I think mine was lifted. I don't know if I would have seen it if it was, you know, perfectly installed. So you're not necessarily going to be able to see it, but yeah, there's a lot of things you could do. So covering your hand with your pin, making sure that, you know, someone can't see you put that number in, making sure you're not using a dodgy ATM. If there is the option to get cash out at the supermarket or at the Bunnings, like do that instead of getting it out at the ATM. Using ATMs that are bank affiliated. So if it's like on the front of the bank, I can almost guarantee that that ATM is checked on a daily basis by the

tellers at that bank for skimming devices. But the standalone ATM down at the local shops where you and I often frequent back, no one's there to check it. It's all on its own. That's why it's usually a bigger target than the bank one, which the bank staff are checking consistently. Yeah. So I think staying vigilant, also never putting into your ATM the card that has your life savings on it. Like having a separate bank card that, you know, you keep maybe a couple of dollars on so that when you need to get cash out, you just transfer it over is going to essentially safeguard your life savings. And it doesn't mean that you absolutely have to do these things and, you know, be worried about absolutely everything. But at the end of the day, could have protected a lot of people

that had their financial information skimmed the day that I found that device and from what the cops said they've obviously reviewed all of that and I was like I've been a little bit pervy and thankfully they've been forgiving and like kept me in the loop about 200 people went to that ATM on the day that I found it that's crazy isn't that insane yeah and like right as I had to like queue up to use the ATM there was like an older guy who got his cash out and went inside like none the wiser stop my heart he didn't he didn't get scammed he's all good but like he like got his cash out and went inside he did not have any clue that someone had literally just stolen his bank information did you find him no not the dude i didn't need to find him because i pulled out the

skimmer okay and it had the sd card and all the information and i gave it to the cops so now the crims like the criminals aren't going to get that old man's details and like they're not going to be able to take his money out but like had i not found that and later that evening they had returned to the ATM, taking their skimmer device taken at home, they absolutely would have taken his cash. That's so sad. Isn't that insane? I know.

It actually makes me so, and that's I guess why I've been posting about it, it makes me so angry. How does anyone do that? It makes me feel like sickly. In the middle of a cost of living crisis and, like, you know, I don't want to get too deep into it, but I have not been sleeping over this, not because I'm stressed about it, I just can't stop thinking about it.

Even the location that it was in, like, wasn't in a high net wealth suburb. like lots of people that go to the ATM where we were are just average mums and dads there's a lot of people in that area who are on Centrelink there are a lot of people in that area who would be living paycheck to paycheck and I'm just like they would have been absolutely reamed like it makes me so angry like and I was lucky I was just getting some fish and chips cash out but the item be vigilant everybody yes be vigilant please as aware as you can it's not to put it on people but when there's horrible people out there like we've got to do the best we can right and if you're suspicious on it there's often numbers on the atm that you can call so you

could call the company and like see something say something yeah like i'd prefer you to have called someone and wasted their time than finding out via a facebook group like just did oh there was a skimmer on this ATM. Like if you see something, say something. Even if you're just suspicious and you call the company and go, I don't know, but there's something real sus about your ATM machine at the moment. Not a professional. I'm a nurse. But if you could just check, that would be great. And they're probably going to thank you because ultimately that's their responsibility. And a lot of the time, if you have been scammed, the ATM company might have to pay you back. Yes. True, true, true. Anyway, let's move on because I can talk about scams. And I'm

going to do a whole episode on it soon i think i'm so excited beck is coming it's coming but before we get there and we also dive into our money wins uh do you want a five star review from the community yes please okay this one is from alexis hi alexis says five star review thank you alexis beck syed is the unsung hero of this podcast purely for human reasons She's so embarrassed. I think I sent you this one. Yes, you don't. I literally just enjoyed listening to her sprinkling of personal experiences

and stories where the undertone is always valuing relationships, connection, enjoying life, bringing light to other people's lives, and resilience. She makes all of the other finance and money stuff softer and grounds it in a perspective that feels warm. I love you all, of course, though. That is, I remember the day. It was only a few days ago Jess sent me this because it was just

like such a beautiful and I sent it to every single person I know and I was like, I need to find Alexis. I want Alexis to be in my life. This like completely rolled me in the best way. Isn't it the best? The best thing anyone's ever said to me. And do you know what? About me.

Somebody has managed to put into words exactly how I feel about it. Totally. It's all so true. It's all so true. That is so nice. Oh, my gosh, this is actually exactly what you do. Oh, my God, that is so, so mind-blowingly nice. Like I feel so, so warm right now.

I think we should rename the five-star reviews just like the Beck Fan Club. So just like if you haven't left us a five-star review or you haven't left us a review, like go on to Apple and you can leave a message for the Beck Fan Club. I'll make us all T-shirts. I want a cute T-shirt. Even if it's just Alexis. And honestly, this is what I said to my friends when I sent it to them. I was like, if these are the last words I ever read, that would be fine.

That would be more than enough. Oh, my gosh. That would be more than enough. If I were to perish or if I were to just be lost in the bush for the rest of my life and those were my last red words. We're calling Alexis on the satellite phone. It's about to run out of battery. Bec is calling Alexis, not triple zero. Alexis is the last person I'm calling.

Oh, my God. I love it. It's the last name I'm going to say. My last words. I love it. Thank you, Alexis. Jess, let's move into the rest of the community. Thank you, Alexis.

What money wins and confessions have they got to share this week? All right. A short but sweet one, firstly, from Jordan, who said, I paid off my car loan nine months early. Oh, my God. Well done, Jordan. That's so exciting. That's actually incredible.

Next, I've got a money win from April, who seems to be on the same kind of vibe as us with the op shopping. She said, money and environmental win. I've decided that I'm in my gift basket making era. I'm using finds from Facebook Marketplace and the Op Shop. There's heaps of unwanted Christmas presents there at the moment. That's true. And she's collecting them up and putting them aside and using them as gifts.

She put a really cute little photo if anyone wants to go look at the thread. But she's got baskets that I'm thinking maybe she's also thrifted. Those are so cute. Super cute. Like there's one there that's obviously for a kid because there's a book and some toys and things. There's one with maybe housewarming stuff. I just think it's such a good idea. Give things a second life.

I adore. Next, I've got a money win from Alicia, who said it was her son's third birthday on the weekend and they decided to get an ice cream cake. Love. Wendy's do ice cream cakes that start at $80. Peter's original, the classic from Woolies. $80? Yeah, crazy.

For an ice cream cake? Okay. Like, I'm not undervaluing the energy and effort and stuff. No, totally. It's just I'm shocked that it was that much. A lot of money, definitely. Whoa. Instead, they opted for a Peter's original from Woolies, $14.

Gorgeous. They had to get two because the grown-ups also wanted an ice cream cake. She said it's not really Instagram worthy, but it is a money win. That Peter's ice cream cake is my favourite type of cake. So I know there's a lot of debate, Freddo or Peter's. I'm a Peter's girl. Yes, I'm a Peter's girl too. I don't hate the Freddos, but you've got to go.

I like Peter's a little bit more. You've got to go, OG. I hope your son had a good birthday. I think that's such a good gift. Yes, happy birthday. Next, I've got a money win from Chelsea who said, I wanted to buy a desk calendar to put in my bills and expenses to keep track of it over the year.

But she ended up making one during work time on Canva using work supplies. Great. Stunning. Just tell us, not your business, all right? Triple money win. Well done, Chelsea. And then lastly this week, I have one from Sky who said, money win, our family of four spent three weeks in a beautiful home

in another state completely free of charge. Great. We looked after alpacas, chickens, a dog, and a cat during our stay. House-sitting is such a great way to explore new places without the cost of accommodation. The kids loved it and the experience was far more engaging and fun when compared staying in an expensive hotel. And she put a really cute photo of her, I'm assuming her daughter,

feeding an alpaca. I'm sorry. That's so cute. It looks like a tiny baby alpaca. It looks like a little farm. It looks like a dream. That's gorgeous. Good little tip for everybody.

I adore. I love that so much. That was a good little wrap-up, Jess. Thank you. Bec. Yes. It is your turn. What broke tips are you bringing to the table this week? Okay. So, because I've moved, I'm probably going to have a lot. I won't use them all today,

but I'm going to have a lot of broke tips coming out of the hoo-ha. Exciting. Now, this one comes from Maddie, who says, and this is a very interesting one, and one I will be using this year. So, energy companies will often offer sign-up credits to new and moving customers. Every couple of months, Maddie moves companies based on whoever has the best offer at the time and that's like you don't have to move you don't have to actually move you just like just do a little shop around and see if you know new customers get one thousand dollars off or something i'm sure that does not exist but sometimes i do like you get free like i saw

once i was like you get six months free binge access or something which is cool if you act then you don't have to pay for streaming services or something like that exactly but it's only valuable if you actually needed that item yes exactly like if you're like oh sign up because Because I would love six months of free binge access, but I've never actually used binge or like I don't even watch anything on there. That is not a good deal. Yeah, absolutely. This next one comes from Emma, who says, I've been using the Pass app to pay for things

in my local pub that I go to for dinner. You get points every time you buy something, which ends up being around 10% back in credit to use at any of the venues in the app. We've been saving them up and now we have enough for free dinner and drinks for our family of four. They also, I know, how good is that? They also give away bonus credit sometimes and they have drink specials each month. This month, the beer we drink is discounted through the app.

So we're saving $8 on each round for me and my husband. That's such a good deal. I've never even heard of that app. Money win. And there's over 200 venues on there around Australia, apparently. Incredible. Okay. Very nice.

That's the rap from the community. That's the rap from the community. The past app. I've never heard of that. Neither have I. I'm going to look it up now. And my broke tip is I feel like mine are always a little bit common knowledge. but anyway um so you know knowledge is not that common bet well no that's very true so like

sharing is important that's so true so recently I've been like on a real video I think we're kind of similar like you know when you're like as you're saying with the scam thing like it's all you're thinking about like right now when I'm focused on something like that is consuming my world right now it's because that's an ADHD thing yeah there you go that's not us diagnosing her she has an official diagnosis yeah you both have ADHD the story does like we're not just making it that is so interesting i never i never like put the two together until it like you know well you just you just tell me and i'll remind you that most of the things that you think are part of your personality are actually adhd and it becomes quite depressing it's called hyper

fixation i have a fixation what's the current hyper fixation yeah what is it tell me share currently it's lamps and in particular lamps yeah i really want like um i'm looking for a particular kind of vibe and style so lighting wise i would i really want like a dark red or orange room i I don't know if you've been to Pitter Pippo in Fitzroy. I have. At night time it's like orange. I have. I see the moment.

Yes. Yeah, you can do that with like just a light globe. Yes. Well, but this is the thing is that I already had light globes and I literally just painted them orange and I think you have to be careful to make sure they're heat resistant. Oh, yeah, you did say that. Do you know what?

I actually follow Beck on Instagram. It is a very weird concept. Yeah. But Beck does share everything she gets up to on her stories. Thank you for following me and thank you for remembering. So that's one way to save money. But no, the main thing was that, have you guys heard of Dennis Did It? They have those beautiful orange mushroom lamps.

And they also have all these gorgeous lamps that I've always been like, oh, one day, one day, one day when I'm rich enough. I'm never rich enough. And so this time I was like, I've got a new house. Maybe I'll buy myself something nice. Beautiful Dennis Did It lamp that looked exactly like what I wanted, but I didn't have $150 to spend. Well, that is expensive for a lamp.

Exactly. So I went to Kmart and got like a very similar looking base and just painted it orange with $3 acrylic paint. So it was $13 instead of $150. You weren't painting the globe. You were just painting the lamp. I ended up painting the globe. Yeah, but, like, we don't endorse that part.

But we don't endorse that because you must make sure it's heat-resistant paint and something else. Just Google it first, I would say. But, like, you did a DIY to achieve the same outcome. Yes, exactly. I'm proud of you. Thank you so much. Good job.

That's so exciting. Thank you. So I would recommend Googling identical or, like, similar-ish kind of things. If it's, you know, something too expensive, you can get a cheap camera. Google reverse image search. Yes, reverse image search. Take a screenshot of something and you've got the Google app on your phone,

not just going to Google, I find. They don't have that. But, like, the Google app, you can literally search by image and it will often come up with similar-looking things that might be much cheaper. Exactly. We love that. Yes.

What a good tip. I feel like you've got a really good roundup this week, Bec. Thank you. Thank you so much. And, Alexis, stroke your ego in the right way. I'm actually still high. Like, my legs are shaking. Bec's week.

I love this for us. Let's go to a really quick break. on the flip side, I cannot wait to dive into protecting yourself from scams. And also something that you've slid into our DMs about, we're chatting about navigating an extended unemployment break. 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, C's on the Money. I have noticed at my work an increasing number of people, especially younger people falling for really not very nice scams there's been a really big influx in them and a lot of them the bank can't get their money back for different reasons I thought it would be awesome if you and the team could maybe have a chat about scams and what to kind of look out for because it seems to be on the rise and these people are absolutely horrible and I want them to stop but I can't so we've got to get everyone all the fees on the money guys to

know what to do thank you it's really sweet that she thinks we'll know what to do yeah I know it is a good question this happened like a couple weeks ago where people just kept someone just kept signing into my Facebook and my Outlook accounts and then stole my Outlook too really what yes stole $350 from you I got it back eventually but I like I was like well that's it for me. I literally can't exist anymore. Tip number one for everybody, two-factor authentication on literally everything. Almost everything these days does have it. Your banking apps, all of your social media, your emails. You might go, wow, how am I getting scammed for my emails? Well, it happened to my boyfriend. They go into your emails and then they find like if

you've paid for something, they'll then contact the company or they'll find a way to reverse it because he had the same thing happen he had his identity stolen basically yeah we've had something happen recently to someone we know and it has been heartbreaking to watch like genuinely absolutely cooked same thing happened they somehow must have clicked a phishing email which allowed them to get into their emails and like see what they were going on um and they like started sending fake emails that felt like real emails because they'd reviewed the previous stuff and they ended up transferring a lot of money to somewhere it has now been lost to it's so sad it's horrific so yeah almost every platform you can think of you can switch two-factor

authentication onto these days i think it's bare minimum at this point it's 2025 two-factor authentication or nothing yeah true i always thought it was so annoying and now i'm like okay It is. But, like, you know what's more annoying? Not having the money that you saved. Yeah. I got an email that was like, oh, someone tried to log into your account, like, if it was you, Baba, and I, like, went to in Outlook,

you can go and it will show you every attempted login. Yes. And there was thousands. Oh, my God, I had the same thing. Someone in some country is just trying. But they can't because the – It's on, like, my Gmail account. Yeah.

Yeah. Crazy. That is crazy. Was it your Outlook? It was my Outlook, yeah. Oh, my God, that is so weird. And it's, like, they must have some machine or something because it's, like, every two minutes for us.

Yes. And it's not working because I have the two-factor on. So everyone right now, pause the episode, go turn it on for everything. Even things you think you shouldn't, your PayPal, your bank, your Instagram, your Facebook. Your social media. And we've all had a friend that starts posting weird cryptocurrency stories.

Scam. Like your Apple ID. Exactly. Yes. I literally sent my best friend Liv every single one of my card details in one of our chats because she was like, oh, can I use this for whatever subscription? And I was like, yeah, try this, try this, try this.

every single detail. And then they logged into my Facebook. And so maybe that's how the $350 got stolen. But this is another one that I want to mention because it kind of scared me. And I might have mentioned it before, but I keep getting emails in my junk, but one ended up in my regular inbox. I was like, hey, Rebecca Syed, date of birth. We have been watching your internet history. Yes, we have. And then, so I just want everyone to know that's not real. Yeah, no, 100%. 100%. 100%.

And I don't know, if someone emailed me and said, Victoria Devine, we have your nudes, we'll post them, or you have to pay us, post them. Yeah, no, I'm like, that's fine. D, looks worse on you. Yeah. Like, that's probably not a very good photo. I've never taken nudes and it's because I'm too conservative

and scared that something would happen. It's sad that we live in a world where we have to think like that. Consider that. Yeah, and be on the front foot to prevent other people's evil. Yeah. So in terms of resources, though, scamwatch.gov.au is a fantastic location. In 2025, scams are looking more and more believable. Like they're able to, you know, there are even scams that exist where they might go

to your social media, collect all of your personal information, work out your partner's name and then email both of you. Like it is insane. So we are always checking any financial institution. So your bank, your mortgage broker, your solicitor, anyone that is in the financial services industry, a real estate agent, they will never, ever, ever, ever email you asking for bank details. It does not happen in our industry. So I would never email a client. I don't even care if they're settling on their house tomorrow and they're not answering their phone. I will never give a BSB an

account number in writing. It just doesn't happen. We call our clients, we cross check it. We are, I can see it on my screen, but I'd never put it into an email form because I don't know what's going to happen. I know what my security looks like, but I don't know what your security looks like, Bec. I'm not going to email it and then have that be scammed. I'm not going to have that be intercepted, which can happen. And a scammer put their BSB and account number into an email that looks like it's from me, I would never email you financial information and nobody else who's legitimate would either. So if you see that red flag, do pay attention to your Gmail notifications as well. So like at the top of your email, it might have like a little orange banner

that says, this looks like a phishing email. Believe them. If your bank calls you and says, hey, like there's a weird transaction, Jess. And you go, no, no, no. I was just transferring money to my friend. Usually that's because they've picked up that there's something dodgy with the BSB and account number, but they can't tell you that. They have to go, oh, did you mean to do that? Like, did you triple check? Because I mean, you might be friends with the scammer, right? Go back, check, triple check with your friend, cancel the transaction. What's the worst thing that can happen? You have to go and just redo the transaction. Sorry, bank. Like I did actually have it right the first time. I'd prefer you to do that than not. Like it might be a little bit more

of a waste of time, but at the end of the day, scamming is definitely on the rise. And I don't know, just stop. Never give out your personal information. Nobody's ever going to ask for that. Banks, you guys should know that your bank would never call and be like, hi, is that Jessica? Oh yeah, yeah, yeah. It is Jessica. Hi. Sorry, Jessica, to continue this conversation, we need your like your birth state and your account number. Like they're never going to call you and ask for that personal information. They might ask you, oh, hey, Jess, what's your, you've called us. But also, you know what you can do? You can say, hey, thanks so much, bank man. Would love to continue this conversation. Feels very legitimate. What's your landline?

I'll call you back so that you can guarantee that's not a dodgy phone number. At the end of the day you need to be consistently checking, like as in just check yourself, be like, could this be fake? Be vigilant. Always think everything's a scam like me. You might find your ATM is bugged and it would be a fun social media piece of content. And then if you ever feel like you have been scammed, whether you have been or not, contact your bank immediately. The sooner you can intercept that payment, the sooner that you can get on it and the bank is able to pull it back or cancel the transaction, the better, because if you leave it a week because you're like, oh, I don't know, let's just see how it goes,

it could be gone. It could be gone. So I think that's a little laundry list. Oh, I would love for you to do that. The more the merrier. Just common things that I've seen, so things to be vigilant of. When you get emails asking, always click and look at the email because, you know, when you get an email, it will say from Jessica Rickey

and then if you click it, it will say your actual email. it's very common for it to say from I don't know Bendigo Bank and then you click on it and it's actually from xyz237 and it has like Bendigo Bank in the username still and you're like hold on yeah so always look at the actual email links will never come to you from tech via tech from your financial institution like they'll never say I'll click this link to verify your bank details yeah it looks like suspicious activity on your account click this link to confirm whether or not it was you so don't like always go directly through your banking app go directly through your banking website don't click those links and then the other one someone dm'd me the other day and

asked me about this they're like you do a lot of facebook marketplace stuff can you tell me there's a common thing at the moment where people will ask to pay you via card or direct debit and then they'll charge back the payment so that the payment then bounces back to them so rude how do you stop that it's really hard to do like you there's not a lot you can do so like your options are only take cash although i understand if you're selling a couch for like five hundred dollars you might not want five hundred dollars in cash i would prefer that than having some random be able to charge back yeah totally the other thing is look at reviews and stuff so even on face a lot of people don't realize this when you sell stuff on facebook marketplace you can rate this like

the transaction the seller so even just if you're buying something from someone you know and you want to check that they're not selling fakes or that they're not kind of dodgy just like click on their profile and it will usually list if they've sold stuff before they'll have a rating yeah and it's also worth just looking at it's not a perfect system because selling stuff on marketplace or gumtree or whatever is you know it's a very personal there's no system in place to really prevent that but just again being like super hyper vigilant or a good one is paypal transacting through paypal so say hey like sorry not happy to do direct via the bank but paypal has really fantastic systems in place to protect buyers and sellers. So you may have to pay a few

dollars in transaction fees, but for peace of mind, I think that that's really worth it. Yep. Yep. Yep. And so regular people are doing this? I think so. Like I think people are selling stuff on Facebook Marketplace or going to buy stuff on Facebook Marketplace and then being like, yeah, so sorry, can I just transfer you the cash? And then they're trying to charge it back. Really? That is so mean. Which is awful. But again- I'm so angry about that on everybody's behalf. How could anyone do that?

Yeah, it just seems like, and I mean, I know that times are tough and people get desperate, but I think that the moral of the story is you do have to just kind of be a little bit suspicious and a little bit aware and do whatever you can to protect yourself. And sometimes that means taking more steps, but better that than, you know, losing $350, right? Yes, exactly. 100%, like, and if it's a little bit more life admin, I get it.

But at the end of the day, it's protecting you. Yeah. And that's invaluable. Should we get into the DM? We should. Oh, my gosh, I want to keep talking about scams. So I'm not going to lie. We can do a whole app week.

Okay, okay, okay. I will talk to Emma off air. Emma is our producer for those of you following along at home. And we will do a deep dive into scams, the most common ones, what's going around. Oh, it's going to be pervy. You ready, Bec? I'm so ready. Okay.

Are we ready for the DM of the week though? Yes. Okay. Here's the DM we got, guys. My partner has been out of work for about nine months and is really struggling to find a new job. Not even getting interviews, even though they've been looking in diverse fields and roles. I've held with their resume and everything's in order and I'm stumped as to why they've been given no job offers and only one interview this whole time. I know communication is key and I've tried

several times to have conversations about it but as it's a sensitive topic I don't want to push it and my partner says they'll reach out with any updates instead of me bringing it up. There have actually been very few updates. We've been together for about four and a half years and don't live together yet. And I feel like our lives are currently on pause and we're getting further away from being able to buy a house, which is a shared goal because of his unemployment. I want them to feel confident and successful. And I feel very helpless and scared at how long this has gone on as savings don't last forever. What can I do in this situation without being too pushy? What would you guys do? Well, as you guys know, obviously I was made redundant last

year and I was with Jess at the time and I still am. A sugar mama. Yeah sugar mama she really was a sugar mama for a little while. Thanks Jess we appreciate you. And I couldn't find work for ages but I was actively looking so I feel like there's two different things like if this partner is actively looking and this time when Jess was like sticking by me and being really nice and patient I was like almost feeling this weird like inferiority sort of thing I was just like oh I don't need to feel that thank you well I think that's like there's there's a part of it that like if if your partner's actively trying and and really is trying to get a job and and cannot because that is literally what happened to me and it's not because I wasn't trying whatever I sent

hundreds and hundreds and hundreds of cover letters and resumes and and kept changing them and kept, you know, all these things that I was trying and then couldn't find a job. So I was, like, kind of at a point where I was, like, I was almost, like, to Jess, like, I was, like, you can, you know, there's no pressure to, like, hang around if you, you know, I was, like, and then she was, like. Oh, no, you weren't.

That's so sad. I know, and she was, like, I'm not going to leave you for this. I'm not going to break up with you because you don't have a job. I happen to like you as a human being. Totally. Not because you earn money. Totally, and so in this moment it was, like, that was so meaningful And so I think for your partner, and I say again, like I really want to clarify, like if they're actually like really, really genuinely trying to find a job, if I'm like putting myself in your partner's shoes, I'm like the only thing I needed was that reassurance that no one was angry at me.

Everyone still loved me. I still was valued and I'm still a functioning member of society. I'm not going to be like banished from everyone's lives because I can't find a job because that's like I can't find a job. I don't have money. I'm losing my savings. Everyone hates me. no one loves me. I don't, I'm not worthy of love and you just spiral. And so it could be the case that your partner's actively trying or maybe just like really, really low and isn't like trying as

hard as they once were. But either way, I think that the person who is, you know, has lost their job and is looking definitely needs support. And there's no rush really. Like I understand like people have different, you know, goals and it's like, oh my God, we're so close. Like we're going to buy a house at the end of this year. But really connection and love is way more important. And if you love each other, then I think just keeping patient, which I know sucks to, to, because if you're in it, it's like, I understand, totally understand the fear, but then on the flip side, if your partner's like just not communicating and not trying and not, you know, anything, then that definitely needs a very, very serious conversation. That's probably symptomatic of

something bigger. Maybe they don't, you know, maybe they don't actually care about this financial goal. Maybe that, maybe that means that they're not respecting you as much as they should and all these other things. So I'm like, if that's the case, if it feels more like that, then that's definitely, you definitely need to talk about your future together and your future financially. Communication is key. Yeah, sugar. I agree. I think that it's hard because your partner's obviously tried to draw a boundary in saying they'll come to you with updates. But at the same time, if I was in our listeners' shoes,

I think that I also would probably be stressing. And I think, as you said, maybe communicating to them and saying, hey, like, I understand that you're probably under a lot of stress because you're not feeling like you're being able to get a job and validate them and say, I understand that you're trying. I see that. But from my end, I also would really appreciate being kept in the loop so that I can have an understanding of what's going on because we are in this together, particularly if we're sharing goals and finances. The one piece of actionable advice I would give is that if you've been applying and applying for nine months and our listener said that he was applying across a range of industries, I would suggest that

maybe he needs to be applying for lower level roles. Like if you're applying over nine months and you're still not having any luck and you're getting to the point where you're stressed about money, as hard as it is, you might just have to go, I'll take what I can get. Totally. Or I'll pick up an evening shift at the pub or I'll, you know, instead of being a senior manager of marketing, I'll take a marketing manager or a marketing assistant and it sucks, but there's no shame in just taking what you can get to keep yourself afloat. And it's going to keep you on track to get your goals. Correct. You can still interview for jobs. Like you can keep applying, keep applying, keep interviewing, but it sounds like you're at the point where you just kind of,

or your partner just needs a job to have some money coming in to maybe fill the gap on the resume, to make sure that you guys are able to achieve your goals. And I think as hard as it is, sometimes you do just have to take a step backwards to take a step forwards, you know take a slightly lower role so that you can progress within that company or take a slightly lower role so that you can work on building your skill set or study or do whatever but nine months is a really long time and it's definitely not always the fault of the applicant but it sounds like you're getting to the point where you just need to be able to do something and that would probably be that's what I would do personally I think that's great advice

like that's it's just kind of like get out there get a job because do you know what it obviously is much harder done than said, but being employed is going to make you more employable to your dream job as well. Yeah. Oh, I've actually got a job at the moment. Like I want to step up into this or, um, do you know what the work ethic I remember? And I've said this before on the podcast about you, Jess. I remember when I hired you, you'd been made redundant or going through COVID and I interviewed you and I was like, what are you doing at the moment? And you were like, I'm working in a warehouse. And I was like, doing what? And you're like packing boxes. And I was like, great. Like I adored that work ethic. That's the type of

person that I want working for me. But the contrast would have been, oh, I'm just waiting to find my perfect job. I got made redundant. I don't want it. Like it spoke volumes about your character that you were like, I'll just do anything actually to fill my time, to keep money coming in and food on the table. I was like, mad respect. That's the type of person I want to surround myself with. And I literally didn't even take it much further. I was like, I don't think I even cared about your qualifications. It was all about work ethic. And I was like, that is who I want on my team. Yeah. And I think that that's really important to remember, not because I'm like gold standard employer, but like, that's how most people would say it. Like, and it's not a bad

thing. I guess updating your resume, I know you've had a look at it, but like, would it be worth getting somebody external to have a look at it and tailor it? Are you using targeted cover letters? Yeah. Big one. So like, are you just submitting your resume on seek? Like, cause if you're just going on seek and hitting apply apply apply like there's no tailoring there's no personality like it is hard to get a job at the moment and tailored cover letters do stand out and I know that a lot of people and like we've had this heat before you've probably seen it Jess I don't know if you've paid attention to it on TikTok Beck because I don't think we've done a lot of employment stuff recently but people when I say I'll write a tailored cover letter they're like I shouldn't

have to do that my experience should speak for itself it's like I totally agree with you but Like I'm not the one hiring, it's other people. And I'm giving advice that hopefully puts you ahead of the curve, that puts you ahead of the other applicants and a tailored cover letter where you've clearly done your research and you understand, you know, the company and the values it brings. Like people see that and go, wow, that's a lot of effort. I'd love someone who puts that effort into my business. I would be optimizing your LinkedIn. So like not always the best thing for your industry I don't know what industry you're in but like making sure that your LinkedIn is up to date has all of your current stuff your degrees like all of those things so

that if someone is looking you up they're getting a really clean experience of what what you do how you do it also cleaning up your online presence no but it's a it's a relevant thing like in this day and age people are looking at people on Facebook and Instagram and whatever to see who they might be hiring. I don't think anyone in our community is going to have a presence that is negative. But if there are things online, like, I don't know, you love to blast your current boss on Twitter or something. And it's quite anonymous, but it's under your government name. And then I somehow Google you and find that I don't want you working for me. That's weird. So I think that just making sure that you're dotting all your I's and crossing all your T's. And yeah, I think professional

help could help. Like I know you're chewing through savings at the moment, but like sitting down and maybe talking to a career coach, maybe talking to someone who does a professional resume, like not the worst idea in the entire world, because I'm not saying that you don't know what you're talking about, but like clearly something's got to change. True. And maybe your partner, I don't know, I don't like getting advice from my partner. Yeah. I don't want to be told by him that, oh, your resume is not good enough or whatever. Maybe like an external doing that would feel a little bit nicer sure so she feels can sometimes feel like oh my god i'm i'm already embarrassed in front of this person yeah i think that's a big thing like don't they are

probably feeling embarrassed like i know that when i took a job that was that not there's anything wrong with working in a warehouse like it's but it was just not what i've done before it was not like you mean i'd been a career girly and i was like wow like i feel a little bit like i'm taking a step in that doesn't lead me to the direction that i want to be going and that felt really embarrassing and not finding a job for such a long period of time can also feel really embarrassing so and I was literally the opposite when I looked at you from the outside I was like whoa like that's elite so like people I promise looking at you from my perspective not the way that you're seeing yourself in that moment totally so like reminding him that that's the case but also there's nothing

to be embarrassed about like you've got sometimes you've just got to do what you got to do totally and whatever that looks like that's okay I also just want to say I use recruitment agencies and And I don't know if that's a thing. Well, that's a great idea. I always use those because they're kind of like out there and they're doing the work for you. Slay. I love those places.

We did ask the community. We were like, can we have your two cents, please? We said, if you were our community member, what would you do? 19% of you said, try and help with the job hunt. 12% said, I'm going to give them space to figure it out. And 69% said, I'm going to need to have a serious conversation about next steps. We then asked, have you or have you had a partner

that has experienced extended unemployment. 31% said, yep, it was really hard. It would be. 31% Beck? Yeah. 65% said no, luckily enough. 4% of you said, I'm actually in the same boat right now. Oh, I'm so sorry, you guys.

Yeah, I'm sorry to hear. It's a tough spot to be in. You deserve that. So next we said, all right, give us your actual two cents. Type out how you're feeling. Someone said, as the partner who was unemployed, please just give them space. They feel guilty enough already.

That's been reiterated in the way that you were saying you were feeling, Bec. Yeah. And I just, I totally respect that. But it's often not a reflection on you. It's often a reflection of the market. Someone else said, make it a fun night activity. Why not have a pizza, some drinks and do some team job searching together? Cute.

Yeah, that's nice. It's also just a really nice idea. Like imagine if Jess turned around and said, Bec, I don't judge you for not having a job, but do you want to get a pizza and just like deep dive one evening? True. You'd feel really supported. Yeah. Someone else said, the other thing is, what are they doing while not working right now? That's a big one. Are they helping picking up slack around the house or are they playing

video games in their PJs all day? Yeah. And I mean, you did say that they weren't living together, but surely you could get a good idea of what they're doing in their share house or what they're doing in their parents' house or what that looks like. Someone else said, HR here, try applying for temporary roles first, more immediately available and recruiters will actually help you. That's a great, that's a great suggestion. Someone else said there is an element of who you know, maybe attend some networking events or reach out to your network. Also really good depending on what industry you're in. Someone said shared financial and life goals mean you do get input into the other person's life. That's kind of how I feel. That's what I was saying.

I was like, I understand and you should respect somebody's boundary. But at the same time, I can also understand that if it affects you as the partner, you have a right to at least have a seat at the table for a conversation. How much you're entitled to is to be decided between the two of you. But once you are working towards things together, you're at the same table. Yeah. I like that idea. I hadn't really thought about like what entitles you to have a opinion, but it's nice to have some, I guess, boundaries. Someone else said, totally get it the job market is really hard right now my partner applied for more than 200 jobs last year and got two interviews that is crazy what is happening it's so weird that is

awful but also thank you for sharing because I know that so many people are in this situation and I think that the person that might have written in is like is there something wrong it's like it's actually hard for so many people at the moment yeah and you can start to think it's you it's not like more often than not it's absolutely not someone else said sounds like the partner needs to apply for temporary jobs outside of his field similar to your advice jess and also similar to that advice from hr and then the last one because i won't go on and on said tell them they could like do nightville or cleaning or uber eats or any other job to keep them away from a dodgy mlm i love you guys so much um don't yeah an mlm is not an option it'll

actually end up probably costing you more than what you would make. So that's not a good opportunity. Anyway, that's a great place to leave it. Sometimes I love you guys. You are so funny. Have a good week. We'll see you bright and early Monday morning from Money Diary. Until then, enjoy the weekend, my loves. Bye, guys. Bye. The advice shared on She's on the Money is general in nature and does not consider your individual circumstances. She's on the Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards

your needs. Victoria Devine and She's on the Money are authorized representatives of Money Sherpa PTY LTD ABN 321 649 27708 AFSL 451 289.