Wednesdays - Let's Talk About Money!

Episode Date: November 26, 2021

Let’s talk about money! This week we are bringing you not one but TWO episodes. Today we are re-joined by our biggest fan Jamie Laing to play the Klarna Money Talks card game, which encourages people to open up about money with their nearest and dearest. Listen wherever you get your podcasts! Hosted on Acast. See acast.com/privacy for more information.

What's been your biggest dilemma of the week, Melissa? Probably trying to work out what to wear and what to buy for party season. There's a million different things coming up. I need to plan on my outfits. Who doesn't want to look like a knockout at a Christmas party, eh? Yeah, I agree. Well, actually, that brings us on nicely to today's episode, which is brought to you in pay partnership with Klarna.

For those of you that don't know, Klarna is a smooth shopping platform that gives you a smarter way to shop and pay. Using the Klarna app, you can shop anywhere, find deals, save items, get notifications when the price drops, or just browse for all of your shopping inspiration. And if that wasn't enough, you can also use the app as a budgeting tool. Klarna also have created the Money Talks card game, encouraging people to have more open and honest conversations about money with their friends and family. We'll be giving this to go on today's episode. I can't wait.

You excited? I really am. I know, aren't we? Well, don't forget to download the Klarna app for a smarter way to shop and pay. When using the app, please shop responsibly. 18 plus residents only. Credit subject to status.

T's and C's apply. See Klarna.com for details. Hey guys, it's Sophie here. I'm Melissa. And welcome to our new podcast. Wednesdays, Drink Wine. Hi guys. Hi guys. Welcome back. So awkward. We have a special special guest. You're going to weep your introduction. All right I'll say you can't say anything. All right I'm not here go

again. All right. Hey guys welcome back to Wednesdays We and Glass. You do it all again. We have the most special guest. Yeah, there you go. The only guest we've ever had on our podcast. He's back for more. We've had more guests. No, we haven't. He's back for more.

Yeah, I'm back for more. He just can't get enough. Yeah, don't worry. Listen, Bessie, I can't get enough. You guys invite me back. It's not that I... No, actually, you volunteered. You did. You were like, I'll do it.

As tribute. You actually organise this whole thing I volunteer as tribute god's sake we've got we've got non-alcoholic Prosecco here

because it's actually a bit earlier than our usual recording time is this non-alcoholic yeah it is but it's actually really good stuff

because Jamie you wouldn't know because you drank all of this on Poconite with your friends yeah and you didn't realise because you drank all of this on a poker night with your friends. Yeah, and you didn't realise it was non-alcoholic. Non-alcoholic. I volunteer as tribute.

I reckon, Presh, if you were in Hunger Games, you would die so quick. Yeah, I would. You're so right. To be fair, so was Sophie. No, I'd already said I'd kill myself, by the way. Oh, fuck. Sophie said...

I'd hold my nose. Suffocate myself. Sophie, when you were in Hunger Games,ocate myself she wouldn't even fight she would just let herself just go I would just climb up a tree and stay there and be really quiet how could you climb you can't even swim do you remember in creation

she couldn't swim no when the water's black beneath me I get so terrified I think there's a shark underneath me the sea and there was seaweed underneath us michael phelps over here was just going sophie i can't breathe sophie's michael phelps honestly i've never seen anyone sophie and i were in the water and we were swimming across this in croatia again

and sophie's doing breaststroke i was doing front crawl and she was like and i was like what the hell she was going away from me I was like that is my trick I'm so good at breaststroke really I have to do a doggy paddle still that's how shocking I am breaststroke I really struggle with

like my head she does starts going under the water Sophie's so good at breaststroke but I'm so jealous yeah I'm really strong and then then the other time

where were we when Sophie said I was going into the water oh we were we were Maldives with your with your stack dad oh god what did you do I went we went swimming we went? I was going into the water. Oh, we were in Maldives with your snack dad. Oh, God.

What did you do? We went swimming. We went snorkeling or whatever. And did you just go off? Yeah, I was way ahead of Jamie. Anyway, I turn around. Jamie, where is he? He's back on the little floating cabin.

That was Jamie. Honestly, miles away. I'm too out of breath. I was like, why are you back there? He was like, there's a shark. Oh, my God. He's just left you in there. By soap, I'm going to go back and save myself.

I realise that I'm incredibly selfish when it comes to near-death experiences. When it comes to near-death experiences. Is that the only reason? I was swimming, and Sophie and my stepdad were like flirting ahead of me or whatever. Sophie's honestly like, get in front of him. Oh my god!

Why is she showing my stepdad her buoy? No, you make me feel really bad. Anyway, I'm kidding, obviously. And I was like, why is she showing my stepdad her buoy? No, you make me feel really bad. Anyway, I'm kidding, obviously. And I was like... Obviously. You're so funny. Anyway, I was swimming and I looked down and there was this shark. It was a shark.

It was a full-blown shark. It's called a... Hammerhead shark. It wasn't a hammerhead shark. No, no, like a reef shark or something. It was a white tip or a white tip shark. It wasn't a hammerhead. No, no, like a reef shark or something. It was a white tip or a white tip shark. It was like a big shark. There are some sharks that are like toothless,

the ones that everyone swims with. Is that them? No, that's like a nurse shark. This was a full-blown shark and it swam underneath me and I went... underwater for them to hear me and they didn't turn around so I swam off. It was underneath Sophie for like swimming around underneath Sophie.

How did you not see it? Jesus Christ. I was full focused to find myself some tattoos. When I was a kid I was scuba diving and a barracuda swam towards me

and I threw up in my regulator. No, no, no. I've seen a barracuda for the first time. They look like a shark. I went literally face to face with one.

I was swimming. We were scuba diving and suddenly it was just there and it just stays and doesn't move and just stares at you. I was honestly terrified. I threw up. Terrified. and just stares at you. I was honestly terrified. I threw up in my

regulator because I was so scared. There you do it. I swear to God. What did you do? Surely you would have drowned. Oh God and then

it goes. Sucks it all back in. Oh and then you would have been breathing in that air. No because then

you have to go like the button that sprays you out. Yeah yeah yeah. Oh I was scuba diving and I'm like oh really bad story

actually. Have you ever, have you ever, have you ever, have you peed in the sea before? Mm-hmm. Yes, obviously. Anyone who says they don't

are a complete liar. Have you peed in the shower? No, have you ever? I have once. Have you ever? Just once. Oh, once. I've done it a couple of times.

You've done it loads of times. Don't, don't. Just try to claim. I'm a lady. Try to claim. Just once. Just the once. Yeah, it was,

it scarred me. Sophie, Sophie poos clear the line. Just once. Just the once. Yeah, it was outscarning. Sophie poos in the shower. That's actually not, that's not even funny. We have a friend, a friend of mine that Sophie knows as well, she's called Emily.

Her little kid pooed in the bath and then picked it up and started playing with it. Oh, no, I pooed. You did, you did. I pooed in a hot tub with all my cousins.

We were all in a hot tub and my mum was like is that the same hot tub you had a bit of fun with with the jets yes yes it was them my mum I used to always sit on the jets

and my mum was like I'd be like stopped them and I'd be like please get away from the jets like with my dad really unacceptable really unacceptable

you pooed in a jacuzzi that would like no you're missing the no so it was like a jacuzzi and then masturbated in it the best. No, so it was like a jacuzzi. And then masturbated in it as well. Oh, yeah. It was like four.

She's honestly like four years old. I thought. Just stabbing me. Yeah, my mum said I'd claw back. I'd be like, no, let me sit on it. She was like so cute. All I want for Christmas is a jet. I used to put my vagina against it.

Oh, my God. I had a friend when I was younger They got sucked Into the thing At the bottom of the hot tub By their One by their bum And another person by their head

Oh I was always Really scared of that Yeah you weren't allowed To go underwater Did your mum ever say that Because you were going to Get slapped in Do you know

The only thing I ever did In a hot tub It was too hot for me To like You know like a jacuzzi They're not really that hot Do you know how Like dirty jacuzzis are as well?

No, they filter themselves. You absolutely muppet. They don't filter. It's recycled water. Even a pool's dirty. If you think about it, it's like a big old bath. What's really dirty is the baths you have. Do you share water?

Do you share bath water? What? With who? Well, I don't know With like family members Are you okay? Did you actually No no no It's honestly

A running day I think the first time Jamie like ever I was like A week into our relationship And he was like You should have I was like

I was having a bath And I went Sophie Do you want to hop in after me? No he was like Leave the water in there for me I'll reuse it No

To be fair To be fair to be fair I have actually said that to someone before like you were like yeah it seems like

such a shit and also everyone I don't shit in the bath so definitely not no don't

don't say what you're about to say I'm not going to say but it's true whenever you get into the everyone gets into the bath

and you take a pee before you get into the bath as soon as your toe goes into you, you're like, and then you hold it in there until the end when everyone pees

and then they get out. What? What? I'm lying. I've never peed in the bath. Oh my God. No, you don't. You're a child.

No, you pee in the bath. I'm joking. That means you've cleaned yourself and you're not sitting there in your own piss. No, you're getting out of what? Oh my God. You're honestly wild.

Wait, what do you mean? You peed in your bath? Yeah. You pee in our bath that we own pit? No, you're getting out of what? Oh my God, you're honestly loyal. Wait, what do you mean? I'm boring your bath. Yeah, no. You pee in our bath that we share together? No. He's saying he waits till you get out and then he just goes. What do you mean you wait till you get out? The water's still in there.

Yeah, exactly. That's the problem. So what, you stand up and just pee with your pee in there? I'm sitting in it. You're making it worse for yourself. You're never going to have a shower after this yeah I do we always have a little

you know in swimming pool do you have a little foot bath we used to have a little foot bath what oh god I'm really repulsed because I go in that all the time anyway

moving on you need to try this okay I'm going to try this this is non-alcoholic it's really good we've had it before on the podcast well I have

elderflower it's a schlur schlur right but notlurr, right? Yeah. But it actually tastes quite alcoholic. If you were hammered and you were moving on to another drink, you would never know the difference, which you've already done. I honestly think that's delicious.

I would drink that by the gallon. Yeah, quite hydrating. Sorry, just let's go. So you would drink a gallon of that? By the gallon, yeah. Yeah. What do you mean, by the gallon? That's what we do on this podcast.

Okay, so I'm going to get you a gallon. How big's a gallon? Shitloads. Isn't a bottle of by the gallon? That's what we do on this podcast. Okay, so I'm going to get you a gallon. How big's a gallon? Shitloads. Isn't that the bottle of wine a gallon? Sorry. No? I don't know. How many litres?

Litres. I'm getting confused. Litres and gallons. Sorry, sorry, sorry. How many litres? I think a thousand. How many litres? A hundred, surely.

How many litres? It's four and a half liters in a gallon i don't grab four and a half liters of water a day you have it with juice oh my god you're so good i honestly drink i'd like she doesn't she has it with she has it with squash doesn't take you yeah i know it's really the artificial stuff and it dehydrates you and everything doesn't dehydrate you that's impossible so if he has sometimes she doesn't sleep too well i think it's because she drinks squash you it probably has a spartan it, which attacks the nervous system as well. Jamie's stepfather thinks that all Jamie's problems are down to the fact that he drinks

sparkling water instead of still water. No way. Honestly, it makes me die. Why? Why is sparkling water bad? I love sparkling water. Who knows? Who knows?

It's just carbon. I know. And what happens is that he just sees me drinking sparkling water and goes, that's bad for you. And I go, it's water. What's his reasoning? Because he wants to just say something to me. Okay, fine. Because I'm getting freaked out.

I should stop drinking sparkling water. No, no. Well, apparently there's supposedly, there are data. There is data. There are data. There are data. There are data somewhere which suggests sparkling water isn't good for you. Really?

Interesting. To be fair, I don't have it like all day, every day, but when I'm going out for dinner, I love a bit of sparkling. Hey, also, can I just congratulate you on your podcast? Oh, thank you very, very much. What you. Really? To be fair, I don't have it like all day, every day, but when I'm going out for dinner, I love it as well. Hey, also, can I just congratulate you on your podcast? Oh, thank you very, very much. What do you mean? I'm never going to say it. Press, congratulations on your podcast.

Thank you. Yeah. Abu. Abu. You look sweet. Okay. Okay. So what are we doing today?

Yeah, this episode is different. It's very different. Aside from the fact we've got Jamie on. But it's also... We're not going to be discussing your dilemmas. We're going to be discussing money. Yeah, we're discussing money. It's sponsored by Klarna.

And we're going to be talking about money. I like Klarna. I love Klarna. We love Klarna. Yeah. And they've got this really cool card game called Money Talks to help you just have a bit of an easier conversation with your partner or your friend or whatever that is so good it is it's difficult to discuss money and situations and all these different things especially in a relationship in a family between

friends you can't actually do it so what they've so that was me half hiccuping slash burping i saw that so thanks for don't worry about it so so they so they have asked you guys to play the card game and talk about they've sponsored the episode yes thanks clana we love you guys to play the card game and talk about it. And they've sponsored the episode. Yes. Thanks, Klarna. We love you guys. Yes, thank you, Klarna. And how also aesthetically pleasing.

I love the color palette of these cards. What's your favorite color, Presh? My favorite color is probably pink. But I never wear it and I would never have it in a room. But I love the color pink. But she wants a pink diamond on her engagement ring. It just makes me happy. Oh, you want a pink diamond?

That's so expensive. Maybe on the band. I want pink diamonds on the engagement ring. Just makes me happy. Oh, you want a pink diamond? That's so expensive. Maybe like on the band. I want like pink diamonds on the band. Just something a bit different. But small and delicate and tiny. Well, no, the rock has to be a huge one. Yeah, isn't it actually? Big old rock.

Weigh that hand down. Yeah. Weigh that hand down. Yeah, it has to be very heavy. You're like, I want to be able to like knuckle dance people. Yeah, it's to be very heavy. You're like, I want to be able to knuckle dance people. Yeah, it's actually like a weapon. You'd have to get its own seat on the air. Fresh.

On your little hands, though, it's going to look huge. Look at the little tiny hands. That's what we want. The bigger, the better. Should we play the game? Should I do the first one or do you go safe? All right, I'll go first. Who do you talk to about money?

To be fair, I actually do speak to you two about it. That's the only people I speak to, and my parents. Yeah, I don't think I talk to anyone about money. Surely you speak to Sophie about it. Did you say, are you... No, to be fair, you've spoken to me about money before. Jamie, do you speak to everyone about money? Get you a drink and you're like...

I'm joking, I'm joking. Get you a drink? Yeah, yeah, yeah. What are you talking about, B a drink what are you talking about Bresh what are you talking about no I think that um

look I think that it's I think it's important to discuss money right and we don't actually discuss money so I encourage people to because I don't

there's this whole thing talking around like you know people embarrassed about all these things I don't think it's quite taboo right and I don't

you know I find it embarrassing so do I but unless I'm's... Yeah, it's quite taboo. It's quite taboo, right? And I don't, you know... I find it embarrassing. So do I, but unless I'm really close to someone that's like, like with you guys, like me and you discuss it quite a lot. I talk to my dad and you.

I don't even talk to you about it. Sophie, you don't talk to me about... I don't really talk to you about money all the time. To be fair, it's not something you have to discuss all the time. I just think it's good to have some sort of knowledge of like what's going on and like where you're at

and like how you're doing. No, you don't really. Sophie say i said have you she had a piece of paper to pay a bill and i said have you submitted that to your tax and she went oh i don't even know about that thing to be fair i'm terrible with tax and stuff i know my my i can't actually email me saying can i have your touchdown things I said and what's that I went and how do I get that she's going to be like honestly

this girl's and Presh I don't know if you're like this but if I try and talk to Sophie about something and it's too she will spend

I reckon eight seconds in contemplating whether it's she understands it or whether if she can't she'll be like I don't know

yeah yeah I'm the same oh I don't care. Yeah, I'm the same. Oh, I don't know. Can we just clarify to anyone listening to this, Sophie Haboo pays all of her tax bills. She does everything. Her problem is,

is that she just waits for the accountant to tell her what it is. She doesn't understand what, you don't even understand. I think you think an accountant is like a computer. I think, I think you just think it's like. To be fair, they just come back and say,

this is what you need to do, X, Y, and Z, and I just do it. Yeah, exactly. So if you're anyone out there and you just want Melissa say, this is what you need to do, X, Y, and Z, and I just do it. Yeah, exactly. So if you're anyone out there and you want Melissa to do anything, just tell her to do it and she will just do X, Y, and Z.

I agree. Oh, golly gosh. Right, should I take another card? Yeah, you go first, go. Okay. What is the most recent item you purchased? Ooh. Ooh.

What is yours, Sophie? I'm just trying to think. Yours is that vibrator from... That jacuzzi jet. That you had installed in the bathroom. I actually think it was that vibrator. Mine is... What is yours?

Mine is... God, am I... Yours needs to be a loo brush. Because honestly... What the hell is wrong with you it's not you too don't associate like the fact that he like it's so like you're obsessed you really are and it's just so pathetic you've already got it what is the thing that i purchased i that jumper you are this jumper i purchased this jumper nice nice very cozy

very cozy i purchased um i don nice very cozy very cozy i purchased um i don't i know that's i don't really purchase that much a lot of dinners a lot yeah dinners a lot sorry you've literally had six outnet outnet net-a-porter yeah but i do it i do it like three times a year i do it three times a year this is it cost per wear you buy something more expensive then you can wear it like 300, 400 times more. And then the cost per wear, whereas if you buy something cheap, you can only wear it a couple of times.

It's actually more expensive. I do three shops a year, I reckon. I do summer, winter, and maybe autumn. And that's it. Oh God, look how organised you are. Once every season. Okay, right. My turn.

Here we go. I'm telling everyone. Here we go. If your relationship with money were a film, what would it be called? Oh, Mindy. Friends with Benefits. Friends with Benefits. Friends with Benefits.

Friends? I was going to say something else, but then that just went away. Oh, mine would be Gone in 60 Seconds. It would be. Yeah, to be fair, I'm exactly the same. I need to be a bit better at budgeting. Or Gone with the Wind or something like that. Yeah, yours would be that.

What would yours be? Or yours would be something like... Mine would be... Because of you, gone baby gone. It would be, yeah. Sophie, because Sophie is not very... I don't spend your money. I actually think you're quite sensible. Sophie is sensible-ish.

What? Yeah. Do you like put money in a pension? Like, you're quite good with all that. I don't. My dad set me up a pension thing you're quite good with all that i don't my dad set me up a pension thing and i it just takes out my account sophie was sophie was um in charge of the bills in our house and i received a bill that came to the house and i've been taken to

to debt collectors because they're all addressed to jam and I always told her I think it's actually illegal to open someone else's post. What? No, it's not. Yeah, but it is. That's your excuse. Your excuse is you think you're going to go to court

because you've opened up my post. Yeah, Jamie's going to sue you for opening up a bill. So if you didn't know, we have Eon as our energy saver and she didn't even know what that was. I've never heard of that in my life. Yeah.

Right? Eon. So do you know what a TV license is? I've got one of those. You can't watch that was. I've never heard of that in my life. Yeah. Right? Eon. So do you know what a TV license is? I've got one of those. You can't watch a TV. I've got one. I've got one of those. I keep it in my drawer.

Sorry, sorry. Under the TV in case someone knocks on my door and says, I need your TV license. Yes, it's true. They do that. You do that. I lived in Fulham with Miles and Emily. We didn't have one and I think it was actually illegal

we were watching TV it is if you watch BBC you have to have a TV licence we didn't I watch it on my laptop you still need a TV licence

you need a TV licence you accept it you say I have a TV licence I paid for it oh god please no I paid for it for us so don't worry you're not going to be legal

you've got a TV licence god this is a really revealing podcast we're all on it right okay go what would you say you spend the most money on each month okay well mine's food food yeah God, this is a really revealing podcast. We're all on it. Right. Okay, go. What would you say you spend the most money on each month?

Okay, well mine's food. Food, yeah. Hands down. Food, yeah. Food. Actually, I would say maybe you guys travel for you guys. Ubers and things like that. Oh God, yeah. Taxis are terrible.

Black cabs. I've been much better at getting the tube. So have you. We've been so much better recently. And I encourage you guys and everyone, if you live in London, if you're a London-based person, always take the tube. It's so much quicker. It's so much easier. It's so much better recently and i this i encourage you guys and everyone if you live in london if you're a london-based person always take the tube it's so much quicker it's so much easier it's so much more efficient better for the environment but it's like when it's winter when it gets dark earlier i'm now like i have to i don't feel safe not getting like in a taxi if i have to walk somewhere and it's like a little bit quiet and it's dark okay can i ask okay okay if

you guys you press you're single so if you were single if you're on a date do you split the bill or do you not i think i always offer but i would prefer the person to like insist on it but i think it's always polite to offer if you don't yeah that's really rude yeah if someone was like yes sweet let's split it i'd be like oh no i'll just get the whole thing then like it's embarrassing like yeah on a first date that's just how i feel about it what about you say what would you do yeah we've had this conversation so many times i so agree like i think it's just you would definitely offer i'd rather say like i'll pay for this you get next time yeah i'll get the next round of drinks

i just find going dutch is just um yeah but i also feel like it depends on who's asked you out for a date so if i was like I want to take you on a date then naturally I would pay for it so if someone says I want to take you out on a date and they go yeah can you split it with me

I'd be like yeah I would always offer and I wouldn't mind what's the best date you've ever been on I haven't really dated that much

I guess in terms of like what's happened I was taken to the Lion King thing that was quite nice oh what you sit in a theatre yeah that was the best date

I was really deprived, aren't I? Someone took you to the Lion King. Yeah. And you sort of sit there and then when there's a silence you go,

are you enjoying yourself? And then they go, yeah, yeah, I'm having a great time. Then back to Simba running through the woods. Running through the woods? I don't know.

The jungle. I think also, there's a round two of this game, ready? Okay, I've got a question for you guys. Go on. Do you think it's important,

this is from Clown as well, do you think it's important to talk about money in a relationship? Yeah. You do think it's important this is from Clown as well do you think it's important to talk about money in a relationship yeah you do think it's important yeah of course it is yeah

okay well then how do you approach those situations I feel like it's probably just something that naturally comes out right I think you definitely

have to if you live together and stuff like that you have an understanding of like what the other person and where they're at what about you safe what

do you think i think that you definitely have to talk about money i think it naturally comes about as well i think it's probably something that you don't talk about straight away in the relationship no first date tell me your salary no because of course that's the other thing right so say you get into a relationship with someone then do you start discussing salaries because you're you're do you split rent do you split the bills do you do you at that point so then you have to understand so when it comes to that point right so you know if say you move in together right and you have to you want to split the rent you want to split tv license uh council tax shopping holidays whatever it is yeah do you then start discussing salaries how do you well i think you have to know if you

want to rent with someone with someone you have to understand if someone's gonna be able to like afford the same place that you are or if you can't afford the same places what they can but how do you approach the situation do you say i don't really know you tell me you guys have done it i've never done that it just happens right but like it's not like you guys don't ever speak about it i think it's a healthy scenario to talk about i think it was more like look this is what i can afford for rent what can you put towards it or like what can you afford yeah well i think i think it's a healthy thing to start talking about it but also it's one of those things that we you know we never told this when we're kids this is what i don't get right like at school we're taught latin

and geography and blah blah blah no one ever talks us about tax or talks us about salaries it talks about employment or talks us about how or talks to us about salaries or talks about employment or talks to us about how you have to pay bills or all these things. They've never spoken to you about it. It's bizarre. These live things that we needed to know so much more than a fraction. Well, Clara's helping us out with all that. Yeah, exactly.

Okay, next question. Go. Okay, what do you like to save money on? I would love to save money on clothes, but I don't. I would love to save money on travel. but I don't. I would love to save money on travel. I thought you were about to say tax. I'm getting a better counter. I thought you were about to say that as well.

I'd love to save money on tax. Travel, yeah. Taxi is 100%. So yours is clothes, yours is... Well, I love a good discount, you know. Clothes, I'm fine with mine is mine is a little bit

of entertainment I tend to have a problem where I go out at night and I pay you're so generous you're like I'll get this yeah but I don't mind

that I don't mind that with like you guys and friends but sometimes I just I just I overspend at night times for entertainment and that's not a good

thing to do and I would like to save care for the people with you yeah sure but also I'd like to say for like other things but also we have to remember i got you know so the egyptians right they try to take their money with they try to be buried with their riches right that's what they try to do but you can't take your riches with you so actually you know giving it out is sharing whatever you have with us love knowledge wealth whatever it is you want to share it if you get, wealth, whatever it is. You want to share it up.

Whatever you give, you get back. Yeah, I think it's a good thing to do. Yeah. Okay, how have you to, have you had to unlearn any unhealthy money habits? If so, what? Deliveroo. When it racks up, you're like, oh my God, this is silly. Like you have to understand how much it actually.

I was like, every day I'm doing that. That's not. Deliveroo. Terrible. Soph, what about you? can we tell the story of what your mum did with the car my mum left her car and she lost the keys she lost the keys she lost the keys so for about four years it was just no apartment and then one one year we came back for summer and it had gone and she was like oh there we go they towed it about time she lost the keys to the car and she went

oh that's gone all my stuff was in it as well I was so excited I had like a dolly in it I was like mum oh my god that's the funniest thing

I've ever heard we have to establish though that it was it was like an old car it wasn't like a brand new car yeah love it yeah yeah she sat in the driveway

like oh well it was a car it was an older car an old banger it was like an old banger but it's still the point is that it was a car and you just went

oh well that's gone and it's just because you couldn't find the keys that's why you worry why I don't this is why Klan is helping me

because clearly I need to understand money last question for you ladies this is for you what if anything are you currently saving for you know Apple Pay you just pay and What, if anything, are you currently saving for?

You know, Apple Pay, you just pay and sometimes the wrong card comes up. So like my saving account now, it all gets muddled up. Firstly, what is your business account? And what is your savings account? Oh yeah, personal and business. Yeah, so one just pops up and you just...

Yeah, you know, Apple Pay, they both cough and I'm just like, whichever one comes first. Are you saving for anything at the moment? I definitely... Deposit for a house. I deposit for a house. But I save... In general.

I save because I think it's important to save. Yeah, it is. Because when you get... Well, I'm older than you guys, but I'm 33, right? So when you get to your 30s, you suddenly think, oh, and also I've spent a lot of my younger years and you realize that actually you get to a point where it's good safe maybe for kids maybe for future no yeah you're so true when I find a wife and I need to propose to her like that I need to save for that yeah you gotta save for that you gotta really

start saving for that yeah but I'm hoping I'm gonna find someone that I can marry that will just be quite you know I don't know who it's gonna be I'm excited to find out it's a lovely plastic ring oh dear love you so much I don't care what ring i have but it is true you do have to save i need yeah saving saving is really important saving is really really important and um and actually i think my my mom always my mom has always been a save and she's always been the one to tell me about saving saving for a rainy day because we never know a rainy day may come and save for that i think it's really important karma teaches you that which is a great thing um do you budget and how do you go about it now this is something i really need to learn and a lot of my friends have like actual budgets for their weeks like i i'm terrible um

and i have tried in the past to budget it's hard though but you know it's when you're younger and you're you know you're earning a salary and a modest salary. I also think living in London is difficult because everything's so spontaneous. And it's hard to budget and do these things

because it's very hard to save because you spend what you have because everything's expensive and you're travelling around and you're doing different things. So it's important to budget. And people who do budget, did you budget at university?

Did you budget at university, Soph? I don't know. I find it really hard to budget. I think you've got to be really disciplined, and it's something that you do have to also put a spare with, because I think if you, I'm not very. At university, I didn't budget at all, and I had no money whatsoever, so I had to eat dolmio as a soup.

I used to love that at school. You would do something like that now, let's say. You'd, like, mix it with a bit of tuna. That would be your delightful meal. Tuna. Yeah, he loves tuna. To be fair, tuna is quite nice, but I wouldn't mix it with delmi.

Hey, ladies, can I just say a big thank you for inviting me on your podcast today? Thanks for coming. I had a lovely time. I think it's important to talk about money as much as it's a taboo. Totally. And also what I think is great is if you do find it difficult to talk about money,

Klarna can help you. Yeah. And that's not even just a push. This is a great card game. And it's also a lot. And also it's ideal for when you're in a relationship just as we were saying, it's really awkward to get into that sort of step into that conversation. Presh, I dare you, your next date, take the card game with you and play it with your date.

The first thing you want to do. I want to play a little card game with you. Let's play, dude. Find some real home juice out there yeah all right i might take this with me all right everybody thank you so much thank you bye thank you thank you for listening to wednesday's we drink wine brought to you in paid partnership with klana if you've enjoyed today's episode and you want to play money talks yourself go to www.klanamoneytalks.com to register for a chance to get your own free copy of the game. Don't forget to download the Clanar app for a smarter way to shop and pay.

That's it for this week, Wednesdays. But, God, don't you just fancy some more, Melissa? Yeah, I'd really love a follow-up to some of those dilemmas. I want to know what happens. Well then, tinies, we have got some news for you we have launched a premium version of wednesdays now listen subscribers get access to the podcast ad free with bonus episodes it's pretty amazing it's also packed full of dilemma follow-ups which we love and some of our more personal stories and recommendations and it's super easy you just listen on your favorite app.

How cool is that? Amazing. And all the info is in the episode description and in our Insta bio.