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Hello, everybody, and welcome back to the Psychology of Your 20s.
The podcast where we talk through some of the big life changes and transitions of our
20s, and what they mean for our Psychology.
Hello, everybody.
Welcome back to the show.
Welcome back to the podcast.
New listeners, old listeners, wherever you are in the world.
It is so great to have you here back for another December guest episode.
And today we're bringing on someone who is not just amazing, but is also a pretty close
friend and a podcaster.
Half of the true bird chicks we have out.
Thank you so much for coming on the show.
We're an intro.
Thank you.
You're welcome.
I'm flushing.
Thank you.
Yes.
I don't know why I feel so awkward doing this considering that this is not even our first,
but it's like our third episode that we've ever done, like together either on your show
or my show.
And then we also like talk all the time.
And we have an office space together.
And yet it's like I'm sitting here.
It's because we're professional talking.
Yeah, I guess so.
And I feel like we need to, like more, yeah, it's professional.
We'll be, and it's like because we have an audience.
Yeah.
Whereas most of the time when we're just talking.
We're just talking smack.
Yeah.
But it's a smart smack.
I'm not going to lie.
Like sometimes we'll be like debriefing in the office and we'll give each other advice
and like, that's good stuff.
Yeah, that is.
Come on, we need to write that down.
I'm actually honestly, I honestly, I've like stolen things that you've said to me and
put them on the podcast.
Because I'm not that wise all the time, right?
Like no one is.
Yeah, I need the wisdom to come from an outside source.
I've done the exact same.
I've been listening to it your podcast and like, that's a good tip.
Yeah.
I'm going to repurpose.
Yeah.
Which honestly is great because I do also feel like, so you guys talk a lot about like
your 20s obviously, but also like the intersections with like money and like, you know, certain
like social and like cultural phenomena and changes that are happening.
But the big focus is on like finance and like managing your money or your expectations
around money and your money and your like relationships better in our 20s.
And a big part of that that I think is really important to discuss is we're like entering
into the holiday season, but really at all times and just coming out of Black Friday,
so I have a Monday is impulse shopping.
Yeah.
Impulse shopping is a huge one because I think in our 20s, for the first time, we're like
making like adult money and we can like kind of start to afford the things that are children
and teenagers when you did ask our parents for or they were kind of like luxuries.
But if you've never like learnt to budget or have that like proper financial literacy,
your spending can get like quite out of control.
Yeah.
And so I really want to focus on that like the ways that we use like impulse shopping,
retail therapy, over spending to like self-sooth.
I feel like you have you had experiences with this like you know I have.
I know I was setting it up.
I didn't want to be like, set me up.
Set me up.
No, good, good, I like it.
Yeah, you're welcome.
I like it.
No, it's true because even with, you know, we've been doing T-Burch
for just two years and we kind of started very general like we were in a lot of niches,
which we still are.
But I think it's gone to show how much we kind of need to open up the conversation around
shopping, spending and money with, you know, how much our audience has wanted that in
the last year especially.
I think what and what you were saying as well, unless you've learnt how to budget and spend
like you're not going to be very good with your money because you don't know how, but
you're also not taught so it's up to you to self teach like yourself because not a lot
of us have had parents that you know, sat us down and was like, this is how much you
save or they did and then once we move out and we don't have that adult influence and
we are the adult, we don't really know how to do it and it becomes really overwhelming.
And then I think with impulse shopping and Christmas season there's like two ways to
think about it because you're either spending for yourself and you're like, oh, do you
know who would like that maybe?
Or you're shopping for other people.
And so there's two things that I like to think about when I'm thinking about impulse shopping
especially at Christmas time.
And the first one is that you can't buy your own validation.
Like you can't buy self confidence.
You can't buy like you then magically thinking that you're like the hottest shit in the
whole entire world.
So whenever you're like, oh, I've got to go out this weekend, I need to buy something.
That's not going to fix it because there's going to be another weekend.
And then I think that insecurity is never going to be dulled by something that you buy
online.
It does help in the moment.
I'm not going to lie.
Two minutes.
Because I do that all the time.
I'm like, I this event, I don't feel like I have anything that I feel hot and to wear.
And I would buy something and then it's just this like toxic cycle.
And on the other hand, with other people, because we have like enough money to spend, we
kind of want to seek and buy their love or admiration or maybe get a bit competitive
with siblings at Christmas time that you want to get like the best present.
Or do you do you remember that episode of the office?
Did you have what you have?
I did.
I know exactly which one.
And Michael buys the iPod.
Yeah.
And he's like, you can point to this dollar value and be like, I love you this much.
Yeah.
Exactly.
Exactly.
But I think, and again, I myself have had this in the past where I buy people so much stuff
because I think that's how I can tell them that I love them and that will make them
love me too, which is a love language.
For sure.
Gift giving is not the highest price tag that you can spend on someone.
Gift giving is like the thought that if you know, they really like cooking, you could
make them a rub like a rub thing.
A rub thing.
They really cook a lot with me.
So that's, that's a bad idea.
That was actually pretty good.
Like a cookie dough, okay?
Yeah.
You know?
Peppercut.
You could make them a little bit more.
Yeah, you could go to the local like paper or like office supply store and make them
like a cookbook of like the favorite recipes that they've ever made to you.
Exactly.
Or like even a photo frame with a nice photo of it.
Yeah.
In there.
And I think as well, what I do each year now is I like haven't listed my phone of a
note app and it's like got the budget per person.
And then I plan out every gift.
Yeah.
Like before I buy it and then I go find that gift.
So it's like I'm not just like shopping around.
I don't just go on to like the David Jones website open gifts for him and then just start
scrolling because that is going to hurt.
Yeah.
And I think it's it is going to hurt especially when you're doing it for like five, six,
seven people.
Uh huh.
And it's so interesting because I think Christmas is, well like the holidays.
And we're recording this is obviously like a big time when our budgets just like go out
the window because there's such an expectation to shop to shop big.
There is very subtle ways that every company in this world is trying to convince you to
spend more money right now.
But then I think so it's kind of more understandable during the holiday season.
But I think in poll shopping during like the every like everyday life also comes down
to a lot of like a lot of what it means to be like in the in group.
So in the sense of like buying trendy clothes to kind of like perform for other people is
something that I think especially in our 20s we have to be wary of.
And part of the influence of that is social media.
It like it really creates like a entire like psychological system of like social comparison.
Yeah.
Well we've spoken about this like the amount of times I've been like I have to say that
I hate my clothes and I feel great in them but it's because I'm constantly scrolling
and seeing people who are super fashionable.
And so I buy in order to make myself not just feel better but to like almost suppress
the sense of like yeah it's like acceptance because we're all humans and we're so scared
of rejection that it's like even words like Chugi that started trending.
Chugi I don't know.
Chugi was like this thing and it was like I think Jen said came up with it.
I don't know.
But it was like Chugi is like cringe.
So if you do these things their cringe or if you wear these things now they cringe
and it would be like just pieces of clothing that used to be trending but now they're
Chugi.
Oh okay.
And it was like the and you know what business is probably froth this shit because it means
that their quick tone over is just going to make them more and more money of like being
able to sell you more and more stuff which is why I love the development over capsule wardrobe
by the way.
It was just about to say it's really interesting because I think like each year you didn't
episode on this which I really would actually recommend people go on this and to called
women and not trends which is amazing.
Oh my god I could talk about this for ages.
Exactly because and it's so links to things like overspending retail therapy and post shopping
because especially like women are taught that like every like six months there is a new
definition of the it girl there is a new definition of like what is hot and each of those
versions comes with a different outfit.
Yeah.
Comes with different makeup look comes with different accessories.
Yeah.
And I think it's a clean girl or like messy girl.
I love my shit at tomato girl.
Tomato girl is when I like put my foot down and I think I had a full blown tantrum in
the in the podcast studio that day because I was like this is far.
Oh what is it like?
I actually I remember listening to this isn't it like the kind of ready makeup and like
no.
So that's strawberry girl.
Oh that's strawberry girl.
So tomato girl was like the Europe girl which again it's all marketing because this this
tomato girl trend came out when every Australian except me went to Europe.
I was also in the same it was actually kind of just I felt like I was back in high school
and I was like guys can I sit with you and they said no we're in Europe.
But it was like the girl who wears a headscarf with linen and takes her book to the park
I'm like so you're wearing linen and you're reading a book like it's just it's and it's
hot of course you're going to wear linen everyone wears linen when it's hot.
Yeah.
And I think that they invent like you said the it girl and we then have to kind of fit
them all because there is definitely certain criteria to all of these trending girls
which is just yuck like it's it's just and it is to convince you to be like oh you want
to be a vanilla girl you have to go by uggs and you have to go by a cream Stanley cup
and all the items that are you know in that stencil of this woman are all very expensive
items as well.
And then look at Frank green like everyone's talking about Stanley cups now.
Yeah.
Whereas last year and yet he's whereas last year everyone was frothing Frank green.
And the year before it was like um camel backs.
Yeah.
Like every year.
Yeah.
So it's no wonder that people feel the need to kind of purchase items as a way to kind
of fill a part of their identity that people are constantly asking them to change.
And that if you're like behind you're going to get called chugie like you want to adapt
to like what is being shown to you not just on social media but in your like just like
everyday environment as well.
The other factor that I think we really need to talk about is how like how how companies
how brands create a sense of loss of version.
So I think a lot of people have problems with impulse spending and they say it is a
self discipline problem.
Rather than the fact that they live in within a context within within like a current modern
day that is constantly encouraging you to buy things either through like the creation
of trends or echoes or social media and social comparison but also through things like
a lot of these really amazing I will give them credit like cognitive tools.
Oh yeah.
So telling some things are going to sell out I like that from you actually.
Yeah, I want you to tell me.
Yeah, okay.
So there's actually a word that I can remember that brands use it's like an end of your
consumer right.
And so they discuss this person because basically we're at the end of the year and we kind
of stop caring about money and then we go I'll just I'll just deal with it next year.
We kind of like let our inhibitions go and we're spending and we just spend and spend
and spend and we kind of get ourselves in a hole and we're like, I'll just dig myself
out of it next year.
We put everything on after pay and then we're like, I'll pay it off next year.
It's like that's a problem for next year where it's like, no, it's a problem for now.
And so there are a couple of things that brands and marketers do to kind of convince this
end of your consumer to spend their money.
One is a flash sale.
So anything that's like 50% off one hour only, especially when they've got like a countdown
on the site so that you, you know, you think, oh my god, because it's a spear of missing
out.
So if you're missing out on a good deal and that bragging rights of an item that you probably
didn't even even know that you wanted.
Like if you and I say, if you know that you wanted, you know, a dice and hot cool air purifier
for the last six months, but you've been really been waiting for a good sale and that sale
happens and it's an hour only sure.
Like sure, go buy that.
You know you wanted that.
But if you're like buying a pair of pink snake skin cowboy boots, which honestly, like
I sound like I would love that.
I know, like I'm like smash, but if I'm only buying them just because I've seen that sale,
I probably don't need them.
Like I didn't know that I wanted that.
So yeah, it's this, this sense of urgency that really kickstart to into shopping and
spending money and what it does is it forces you to open up the sale section and then you're
going to keep scrolling and when you're there, it's the second tactic, which is spend
this to get free shipping.
And so we all love Gellma, but if you need to spend $50 to get free shipping, which was
$5, you're going to just end up buying crap.
You don't need.
Like if again, if you're doing a Christmas shopping on like the iconic and you can do,
you know, a bunch of shopping in one place and it's for multiple people, starting amazing
brave, love that.
But if you're just shopping because you're like, I've got to find something to get free
shipping and it's not even a gift for anyone.
I've done this.
It's, oh, we've all done it.
I do it all the time and I still check myself and I'm like, wait, and it's so easy to
just get wrapped up in the dopamine hit of it because it is fun.
It's fun to shop.
And also you feel like you're saving money, like that is the appeal of the sale section
is in your mind.
And there is, there is actually a term for this and I completely forgotten it.
But basically your brain is doing like the calculation of what this could have cost you
if you bought it three weeks ago, such that actually now you're up because you're buying
it three weeks later at a discount.
Gambling, that's what it reminds me of.
It's like gambling.
It's like, yeah, where can I get this to that I, and when we have systems like gambling
or systems where like you're getting variable reward or dopamine from something or a sense
of like you're winning from a purchase, that is in many ways going to hardwire your brain
to make decisions that probably aren't in your best interest.
Sandra, I love the example you said of like if there has been a period of time that you've
really wanted an item, take advantage of sales.
But I also think that the flash sales like you were talking about provide us with a lot
of instant gratification that we're very used to getting from everything else in our society.
Instant gratification from our phones, like instant gratification from expression shipping.
Like all of these things are like you can get it now, you can have it now.
No stock.
Yeah.
It's like low stock or like isn't returning.
Yeah.
Or what happens?
And this was sales tip actually in that episode that she learnt from Britney Saunders who
has baked the label.
Yeah.
She's amazing.
I love her.
She's got a big fan girl obsessed.
And she was saying that brands will be like not returning or it will return.
Like it'll come back in stock and it'll be like like this sale is the final sale like
it's never coming back because it didn't sell out and they had heaps of stock left over.
So they said it sold out.
It didn't really sell out.
But they're just tricking you to think that there's this demand for this item because
we all want to be on trend and not jugi or cringe or out of date.
And it's just really exhausting because if you constantly are chasing a trend or a type
of girl that TikTok is, you know, deeming the it girl of the month, you will never actually
develop a sense of self.
And I have fallen into this as have many other women and men and humans in general of, you
know, that fear of rejection and not quite knowing who they are because they're constantly
adjusting themselves to be that.
And it's where you develop this idea of like your style uniform and I think it's really
good to be able to identify the things that it's kind of the same as a capsule wardrobe.
But when we say capsule wardrobe, we think like blue jeans, white teas and a black blazer
which again love that.
I was going to say that's literally your daughter.
I know that it's my great blazer.
It's a great men's blazer from Deep Up and I love her.
I once filled oil on her.
It was a bad day that day but I got it out.
Thank you.
That's amazing.
But my capsule wardrobe also includes vintage banties and cowboy boots.
Yeah.
Like if I'm going out on the weekend and I'm just going to chuck on a bantie, some cowboy
boots and I'm going to be so comfortable and I feel really hot in it.
I feel like a badass.
Also like sparkles.
Like it doesn't have to be plain to be part of like how you see your style.
And I think it's something that happens the further we get into our twenties where we're
like I actually don't want to dress for others anymore and I don't want it to be.
And I know that we're talking a lot about clothes but it really is with anything you
know like skin care which like products in your home with like interior design with new
cars like everything that you are being convinced to buy is not going to fill a void of
you are.
You are.
I hate myself.
I'll buy concealer.
Yeah.
Like that's not going to help.
And it might make you feel a little better.
And this is the big thing that I also want to talk about which is retail therapy.
Obviously that is deeply psychological.
We use a lot of different tactics to kind of create euphoria like artificial euphoria
and joy for ourselves.
And anything that creates dopamine as we've explained shopping does can be kind of not
manipulated but like can be disturbed in our brain.
We can get addicted to like the wrong types of dopamine.
Yeah.
I think that's why TikTok and social media and shopping are so closely linked because
they both give you dopamine.
That's right.
So that's why it's so easy to transition between the two.
So it's like okay you see the new trending skin care or beauty item which again they always
tend to be like higher and they're expensive.
There's definitely some like drugstore or jups that coming out right but like look at
Dyson like Dyson is $900 and it's like the hair product.
It's like the hair product you buy.
It had great sales on black Friday that I was like go if you want to you buy it that's
we're not seeing a sale like this again for a while.
But it's like that's become the product to buy for hair right.
But that's really expensive.
Like if you went like pre TikTok times I don't think there would be many people that were
spending $900 on a hair style.
And it's because like we see all this stuff and we're getting the dopamine from TikTok
as we're scrolling.
And then we open up the shopping and we're still in that dopamine high and then it's kind
of like we're chasing it being like if I don't buy it that dopamine goes down and this
isn't a conscious thing but this is like the cycle that's happening of why we see something
we open the link or we open like whatever internet app there is and we buy it straight
away.
Oh my god I've done that and you know I've done this.
Well we were speaking about this recently I had like a really terrible week.
And I really wanted a pair of Out of Less Stambas.
And I said in the back of my mind and I said this to you I was like I'm I know that these
are going to go out of style in about six months.
Like I know it.
I know it and I was telling myself again and again like don't buy these.
Don't buy these they're just another trending shoe.
Yeah they look great right now.
But the reason you think they look great is because it allows you to fit into like the trend
the uniform, the vision of the day.
And then I had a really terrible day obviously my like my mood was low, my dopamine levels
were low.
And I was like you know what?
You know what's going to make me feel better is a new purchase.
Mm hmm.
As an impulse buy is some retail therapy because it's going to provide me with not just a
dopamine hit but a sense of control, a sense of agency that like yes all these other things
in my life might be really difficult but I can place this new item in the center and
then I feel like there's a new thing in my life to be happy about.
And so deeply like emotional.
I get it though because as well.
There are moments that I'm like just do it like yeah like if you want to like if you've
had a really crap week.
Yeah.
And but I think knowing that this isn't going to fix it like this isn't going to like
you know if you broke up with your partner and your heart broken and you really just want
to feel something nice and you want to buy something.
I'm kind of like okay but within reason like we're going to go with like a cute little
$30 purchase.
We're not going to go with like something really expensive and we're not going to make
a habit out of it.
I think knowing the things that you can do to kind of get that control back that isn't
shopping is really helpful so that you don't get in that loop.
So for example I absolutely froth like a Pinterest scroll like Pinterest is like play shopping
to me.
Oh that's such a good way to play.
Yeah like it's like I feel like because I love scrolling through and like looking at
things on sale and looking at things I want and thinking about how I would style them
because I do genuinely just love fashion and beauty and it is such a passion of mine.
But I'm not a Kardashian and I can't just sit there and scroll and buy unfortunately.
I do think I was meant to be one but I think something just got messed up.
Yeah.
Yeah.
I think like someone filed something wrong upstairs and then yeah I do see that happening.
Yeah.
It's fine.
We'll figure it out in the next lifetime.
You'll get back in like a stormy.
It's a stormy baby in like a 50 years time.
Oh my god.
That weird decision still sharp.
I'm like I'm still alive and I see like a picture of you in like the magazine and I'm
like that baby looks very familiar.
Yeah.
The baby starts throwing up like the horns and we're singing ACD and you're like I'm like
shit.
Rubbing my eyes.
You know what she said she was going to do it.
Look she did.
She did.
Everyone's going to call me crazy.
Yeah they're like his Alex and they're like alright time for Gem to have some chats.
Time for him.
Yeah.
But like Pinterest shopping is so good because you can kind of make believe shop and see
what you already have.
Like I feel like a lot of the items that are going to be coming up on your Pinterest are
probably items that you already have in your wardrobe.
So you can see all the different ways that you can style it and get like that cost per
way from your shopping and make you a little Pinterest boards and it really helps me also
understand items I want because if I have saved like I had a thing recently that I really
wanted a pair of like lace just like plain black lace pants to like style with the black
blazer.
So the top would have been really cute right?
And so I was like oh but I don't know if I'm going to wear them a lot and for like a
month I've just been saving pins of like the just lace pants and I'm like okay I want
these.
Like I know and I've got so many different ways to style them in my Pinterest board that
I know I want them and I kind of didn't make the knee jerk purse purchase because I was
doing it on Pinterest and I was having like a tee he found little girly time on there.
You're getting your dope made and you're also getting your sense of control and you're
also getting like you're doing your research.
Yeah.
Also the other thing I would do is like go clean something.
Like if you're feeling really shit and you're there and you just want to buy something
I would like just go wipe down your bench top or like just vacuum something my roommate
was so my old roommate was so good at this good slash bad that like at 9.30 she would
just start vacuuming and I would be like like I was awake so it was fine but I'd be like
are we good and she was like I need to control something and I was like okay that's fine
but she just but then you also get the satisfaction and like all the good brain juices from
having like a clean space and I reckon half the purchase you think about making if you
go and do something else whether it's you know read a book for 30 minutes clean your
water about yeah that's a really good mind because honestly who likes doing washing and
you're just going to keep buying more and more I'm speaking from experience particularly
like underwear no way to put it and it just keeps coming out and then you just have a messy
room all the time and it's the worst yeah so yeah I love that we're going to take a
little bit of a break but when come back I really want to talk about how you can tell
whether it's an impulse purchase or a need and the experience of buyers from us so we'll
be back with you shortly I love being able to talk about brands that I use on the podcast
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that actually smells amazing and does away with the need to shave or have a rusty razor
on hand I was honestly so surprised when I use these for the first time because I think
the last time I used hair removal creams was when I was probably 18 there was nothing pleasant
about that smell but now with sense like orange blossom and Moroccan organ oil for the new
shower creams and cocoa butter oatmeal vanilla or water lily and aloe vera for their body
creams they actually make me enjoy the experience so a story about this the other day I had three
of my closest girlfriends and my boyfriend over for dinner and we had this bottle we decided
we wanted to try it out we wanted to get rid of some hair on our legs we all use the
oatmeal can vanilla body cream literally at my dining table we applied it we waited
for three minutes they turned out so smooth even my boyfriend put some on his calf let
me tell you that little spot is still silky smooth a week later he can testify this stuff
works and we also agreed these do formulas are a game changer because not only can you actually
get rid of her it actually smells nice and it removes the hassle of having to shave every
few days every few weeks it also is free of dyes it's free of parabens it's free of sulfates
which is a big plus for me and I have to say again the new spents actually smell really
good you can smell them for yourself try the reformulated net body and shower creams available
at retailers nationwide and online sound is personal intimate and emotive just like this
podcast we are audio stack dot AI we combine AI writing the best synthetic voices like ours
with production like music and mastering and deliver them to be heard be it ads podcasts
or vos for video just like this had your listening to right now however we have millions
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to audio stack dot AI forward slash contest give us some details of what you would say
and you could replace this spot and be heard by millions you will also find terms and conditions
at audio stack dot AI forward slash contest all right so obviously when we're really aware
of our tendency to impulse by sometimes we can actually go in the opposite direction where
we never spend money we become very frugal back and come at the expense of like spending
money on things that are necessary spending money on you know experiences with friends
but I really do want to focus on items that you actually need so how can you kind of tell
the difference between impulse purchase and a need so similar to what I was saying before
and impulse purchase is something that you hasn't even dawned on you that you want it like
you've seen this one thing and you're like I need that and again they're there are times
that maybe you do need that thing but I don't think anyone should make a knee jack reaction
within 24 hours on something so the best thing you can do in life shopping relationships
with yourself is sleep on it like just go to bed and if you wake up and the first thing
you think about is that then I'm like okay maybe we'll start thinking about it and then
if you don't even think about it and you potentially even forget about it for like two weeks
and you're like oh I kind of oh I saw and it maybe comes up as an ad because your cookies
have been dropped so your internet knows that you want this item now so it's going to
start serving your ads for it.
Oh my gosh.
If that's the only time that you're thinking of it is because you're seeing it online
or in ads it's probably an impulse purchase like you probably don't actually want this
because there hasn't been a moment in your life that you've navigated through your life
and this thing would have been a relief to like a problem or a want or whatever because
for example if you're going to go out for drinks and you've realized oh crap I actually
don't have mascara.
Yeah that's that's when you're like okay I need mascara yeah that's when you think
like I don't actually have a pair of socks yeah that only one ever has enough socks yeah
so I'm one of those people.
No but absolutely no absolutely not.
I'm distracted about the socks.
Passionate about the socks but those are kind of the moments that I would think if there's
something popping up in your everyday life and you're like oh shit I need that then
you know you can go buy that and then the other thing that I think I do is I kind of make
sure I earn the shop so it's like I will go and I will find it on sale and I will start
price matching.
So I will go to like all the retailers that stock it and I will go on their little chat
plot saying and I'll be like do you price match this and this has been something that I've
been relentless with.
Like that's so smart.
Yeah so like JB Hi-Fi the iconic David Jones my like the good guys Harvey Norman they
all price match.
Yeah.
Jetstar price match, Kamis Warehouse price match.
There's so many places like people who don't live in Australia.
These are like huge Australian brands so I'm assuming that like in other countries you
might find a very similar system in place.
Yep and so then I go through price matching and then I start looking at like cash back.
So I look on shop back and I see if I can get shop back for certain brands and that's
kind of where I'll go to price match it's because if there's like 20% cash back at David
Jones then I'm going to go price match at David Jones and get a further 20% cash back
and it's like doing all this work that will show me if I really want the product because
if you can't be bothered and there are moments that I can't be asked to go on do this and
like really focus on getting a really good deal then I don't want it.
Yeah then it's not the thing like I was really tossing up with getting my boyfriend rubbed
don't listen.
I just think I was not listening.
Just in case.
No he's always like when I do something he's always like can I listen.
I'm like no go away from his views the girls.
For the girls only.
For the girls for girls.
I was really tossing up between like an aura ring which is like basically an apple watch
in a ring and a web above a queue and so this is probably a good tip for people that
are doing Christmas shopping and what I do to ask people what they want for Christmas
and I make sure I get them a good present because I am a leech excellent.
If you cannot tell I want that as well.
Yes as well.
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If you're getting to the end of the week and people are asking
if you want to go out for drinks and you're saying
I haven't been paid yet,
you really need to look at this because it means
that you're spending more than you're earning.
That's how you get into debt.
That's how you get into debt.
That's how you get into debt.
That's when you start abusing things like after pay
or like looking into a credit card.
Don't get a credit card.
No.
I think in Australia it's easier to say that.
Because we don't have a credit rating.
If you don't need to get a credit card,
do not get a credit card.
We do have credit schools though.
I actually saw this thing where it's like apparently they don't
look into it as much.
Oh, they do.
You can offer it up.
You can give it as evidence.
Being like, I am suitable for a loan.
But if you've never had a credit card,
they don't count it against you.
No, no, no.
But look at it if you have one.
But they won't.
If you've never had a credit card,
then they're not going to be like,
you don't get one unless you're like really into like the points
or whatever.
And even then,
I think the points are so many terms and conditions to it.
So it used to be like credit cards added also like she,
if she says I'm never getting a credit card,
this is like never getting a credit card.
And that's not money advice or financial advice at all.
But if someone who wrote about them for a living has not got one,
then I'm not getting one.
Yeah.
Anyhow, there's our first.
Yeah.
Take a solid look at your finances.
Don't get a credit card.
Yeah.
So I think take a look and then really break down everything you spend
so that that kind of shows you how much wiggle room you have
with your money and where you want to pull back.
So for example, like I always get my nails done every two weeks.
I know that's going to be $45.
But we don't necessarily put that into our budgeting.
We think rent, we think, you know,
groceries, we think electricity bills, right?
But we don't put in like the little things that we regularly get.
Like even if that's your $5 morning coffee.
Yeah.
And so find a template or build one if you like.
That's so easy that you can just like pop the numbers in there.
As you're spending or at the end of the week.
What like my partner and I have started doing,
but you can do this on your own or you can do this with your roommates.
Is that we like pull like he'll have a beer and I have like a glass of wine
like four o'clock on a Sunday afternoon.
And we'll like play like some Fleetwood Mac and we'll like look at it.
And then we'll just kind of like hang out and do it while we're hanging out.
It's fun.
Yeah.
So that's like the first thing I would do.
And then in terms of thinking about what you need to spend your money on in your 20s.
It's very difficult to answer this because our early 20s and our mid 20s and our late 20s
all have very very different paychecks because our early 20s,
a lot of us are still at uni and we're probably working part time.
Mid 20s is kind of when we get tree level.
Yeah.
A full time job that we kind of tend to see a bit more money,
but that's also when we tend to move out.
So that's when we're kind of trying to figure out how to budget because we've moved out.
And late 20s is when we're like, okay, money.
I have money. I need to figure out how to spend money.
So I think first things first is when you are in that phase of, okay,
we're moving out, we're renting.
When you're renting, that's going to be the biggest investment.
I think you're what you're home, where you live,
that's your biggest investment because that's your safe space.
That is never a bad investment in my eyes.
And like, I know that renting at the moment is an absolute dog's breakfast,
especially in like Sydney and in Australia.
But learning how to kind of manage your money and your home is going to be really,
really helpful in the long run that you're never stressed and resentful to pay rent.
Because that is huge.
Yeah, because I know like we're never going to be like, yeah,
I'm paying off someone's mortgage.
Yeah.
But living within your means,
but somewhere that feels like home is going to really be helpful.
Like I always think investing in your home and good quality and the things that you use every day
is never going to be a bad investment for example, sheets.
If you have like the expendable income to spend a little bit more on really good quality sheets,
that's going to make getting into better the end of a really long hard day.
That little bit nicer.
Or like bed frame mattress.
Yeah, bed frame mattress.
Even cookware.
Like I would say that's maybe more of like an investment in your late twenties.
Yeah.
And you can get that for like quite cheap actually.
Yeah.
I love that when I moved out.
Facebook Marketplace is your best friend in your twenties.
I'm telling it like there are so many things that I would say one thing to invest in in your 20s.
Shopping second hand.
I think we underestimate the value of it and we overestimate the sparkles around brand new.
Because like I got a brand new for this price.
Yeah.
Not me.
I'm like this was used three times and I got up to 70% the retail price.
Amazing.
I think as well we avoid things like our health a lot too.
I was about to actually say that.
Like health is a huge one.
Like that I figured out.
I used to go so cheap when I went into my doctors like I would only have a go to doctors that
were free and I got.
Bad health care.
Yeah.
Or I like did not take care of myself because I did not want to spend the money.
Yeah.
And that actually caused problems where I was like oh so like now I have to like one example is
with my eyesight.
Where when I went to uni I was like I'm not going to get my eyes to add to expensive it's too
expensive.
I kept wearing glasses that like weren't working for me.
And then three years later it was like well now you need.
Like a particular kind of glasses going to cost you $200 more.
Yeah.
Exactly.
Yeah.
There's even like and we avoid it because we think the price tag is going to be really high.
So for example like dentistry is something that we really all don't spend money on.
We don't want to spend money on it and we avoid it because I avoided it for like two years.
And so I was like you need to go to the dentist.
And I was like I know because she's so good with that.
And then I found this dentistry that was called dental 99 and it's like a $99 dentist
that you can go and get.
Yeah.
Like a clean and a check up.
And it was and I went and tested it because I was like I'm not going to recommend it.
Recommend this.
Yeah.
If I haven't gone and you get it.
Like a box work now.
Yeah.
Pull out a chainsaw being like you've got a cavity.
And I'm like no.
But that was really good.
And so making sure that you don't cut corners on the things that really matter.
But you don't necessarily need to be going to like you know a double bay GP which is like a very expensive sub of in Australia.
You don't need to do that.
You can find ways in the middle.
Yeah.
100% and finding a consistent doctor.
I think the other thing is analyzing the things that you is your cost per wear.
So the things that you use every day.
So for example for me I drink coffee every day.
So my coffee machine is like $700.
But I think I drink like two coffees a day every day.
So it's paid itself back.
It is paid itself back.
And then some.
So those things as well as like winter boots, sneakers, your jeans.
Kind of those items that you know do go through the cycle.
I used to be when I was 18 because I didn't know any better.
I was such.
I didn't even know what fast fashion was.
Yeah.
Well it wasn't a thing when we were young.
No.
It wasn't a thing at all.
But it wasn't.
Didn't have a label.
No.
It was like we had it.
But we didn't realize what it was.
Yeah.
And like I think that is down to you know a little bit of ignorance and privilege that I just had no idea.
Yeah.
But as like I've gotten older like fast fashion and the landfill that comes from companies like she in.
And Zorro.
Yeah.
Is really green.
But also the quality you get is going to fall apart within a year which is why I would say like these trend items that do tend to come from you know fast fashion.
Think about whether you really want it and if you're going to be wearing it in three years time.
But if you are going to be wearing it in three years time, is it going to last?
Like is it going to last in the wash?
Well it's a big thing of like you said winter boots, jeans, sneakers.
Yeah.
The one that I've realized recently because I'm going overseas.
I will be overseas at the time.
This episode comes out.
It's like a really good winter coat.
Yeah.
Every year I was like I'm just going to buy like another cheap winter coat and then it would get freezing.
I mean I was like no stop.
Let's actually think about this in a future sense and let's save my future self some money so that she doesn't have to replace us again next year.
Yeah. I think as well remembering that no one really cares about your outfit as much as you do is also really helpful.
Yeah.
Like no one's going to be like all Cindy wool that four weeks ago to Cheryl's 27th birthday.
No one cares as much as we think they do.
But to kind of like wrap up my very long-winded end up like this and then this and that.
I think the best thing you can invest your money on in your 20s is people and experiences.
Yeah. The people that you love spending time with and ways to spend time with them.
And it never needs to be like you know thousand dollar flights to go traveling together because realistically not a lot of us can afford that.
But it can be spending $20 on a bottle of wine and going and watching the sunset together.
Yeah.
And like those memories don't actually have a price tag on them.
Like there are so many moments that I think of with the friends that I have and the people that I love that I
it was never you know a lot of money but those those moments and those memories are completely priceless to me.
That I think as well your 20s you have a lot of freedom as we get older our responsibilities to you know maybe partners or careers or potentially kids.
Just get stronger and we have a lot less time to make the memories that we want to make for ourselves.
So like your time is actually that like the most valuable thing that you own.
Like making sure that you spend that wisely is probably the best way to spend anything in your 20s.
That is such priceless advice as well.
Thank you.
She does have some little bits.
I can get so wisdom.
And if you kind of find ways to understand your retail therapy habits you're of a spending habits you're impulsive spending habits.
You have that money to give to the things that are really important.
Like that item of clothing that piece of furniture that like impulse whatever thing that you bought that's not going to outlive.
Anything any of the memories that you make right now.
So I think that is a beautiful place to wrap things up.
Thank you so much for coming on and thanks for bringing your wisdom.
It's actually given me quite a lot to think about in terms of how I manage my money.
I actually don't have a budget and it's a discussion I've been having with myself of like let's get ahead of this now.
I'm not going to talk about it.
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