Victoria Almost Fell Victim to a Scam (and How to Protect Yourself)

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.

Episode Transcript

Speaker 1 (00:00):
Hello, my name is Santasha Nabananga Bamblet. I'm a proud
or the Order Kerni Whaltbury and a waddery 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 a wondery country,
acknowledging the elders, the ancestors and the next generation coming

(00:22):
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.

Speaker 2 (00:33):
Let's get into it. She's on the Money. She's on
the Money. Hello, and welcome to She's on the Money,

(00:59):
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 Jesse Ricci is
here as always to share our favorite money wins from
the week that was. Beck is here to share her
favorite broke tips, and we're going to be helping to
answer money dilemma, which this week is all about protecting

(01:21):
yourself from scams, which is very timely as I myself
almost fell victim to a scam recently and something that
you slid into our teams 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

(01:42):
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?

Speaker 3 (01:54):
Go?

Speaker 2 (01:55):
First? Please? My week's been good. What have I been doing?

Speaker 3 (01:58):
Not much planning for I'm throwing outdoor movie night at
my house.

Speaker 2 (02:02):
Oh my god, I've seen it on TikTok on my
tax treat to myself.

Speaker 3 (02:05):
I think I told the potty last year was I
bought a projector and I was like, oh, the weather
is so nice, like it would be really fun. And
then I found this like vintage looking popcorn machine on
Facebook marketplace for twenty dollars, I bought.

Speaker 2 (02:15):
A proper like it looks like one of those it's
like mini but like one of the ones that the
movies had. That's cool.

Speaker 3 (02:22):
You know how I feel about movie popcorn an investment,
but yeah, I want to make it like a whole
big thing, like all themed and cut. See I want
to throw like a again. I feel like I've told
you guys this by last year.

Speaker 2 (02:32):
One of my goals.

Speaker 3 (02:32):
You don't even like events or themes at all. I
want to throw a themed dinner every month. Last year
and I did not throw a single one good shirt.
So I carried it over to this year.

Speaker 2 (02:44):
That's what I thought.

Speaker 3 (02:45):
So I'm starting with like Dina movie night, but that
is so what.

Speaker 2 (02:49):
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.

Speaker 3 (02:53):
So I wanted to do like vintage diners feel, so
I went hot dogs fries, but I'm still trying to think.

Speaker 2 (02:58):
Of what else.

Speaker 4 (03:01):
This is actually a really weird time, just because literally
tomorrow I'm having a movie thing as well, but with
pizza buffet ice cream, like you know how they have
the jelly, the brownies, the sprinkles.

Speaker 2 (03:12):
I'm gonna do all that. That's so fun. So maybe
could like you need to get chop tops. I imagine, yes,
I think a banana split, like you have to have
a just feel like yeah, but like Dina vibes, like
a banana split like station so you can like decorate
your own. Yes, yes, yes, the station would be I

(03:32):
don't even think that would be expensive because you'd like
to get some bananas, some tuber Neapolitan ice cream, and
then like some sprinkles and chips cream or the spray
whipped cream. It has to be the spray definitely. Now,
I don't know what your budgets looking you like, but
you get a big.

Speaker 3 (03:47):
Red drape outside something to hang it on.

Speaker 2 (03:51):
Is the annoying thing? Really good idea that's cute? That
was very cute. Milkshakes like spiders Friday milkshakes. You could
do like, oh my gosh, could you find I'm just
going to take this to the next level. Could you
find on Amazon, like the old vintage milkshake glasses. I
have a few.

Speaker 3 (04:11):
Stress Yeah, I have red and white striped straws. Yeah,
I bought a little you know what what's gonna sayd
like that? I promise, I promise you guys. Not the
reject shop. You know we always talk about the regis
such good stuff they had, Yeah, they had little like
you know, the plastic baskets that they put food in
a diners and stuff.

Speaker 2 (04:28):
Like a little red Yes, oh my gosh, yeah, I
think you should.

Speaker 4 (04:32):
When everyone walks in, give people their ticket and then
be like okay, can you line back up, and then
be like and you look at it, you rip it and.

Speaker 2 (04:39):
Say number seven down the hall or whatever. I think
you should fully be. You need a commit the whole.

Speaker 4 (04:46):
Day and everyone's like, oh, just like it's funny, but stuff.
Now you're like no, You're gonna like yeah with your
flashlight and you're gonna be looking at you know, don't
be only friind make sure no one brings in their
own snacks.

Speaker 2 (04:58):
You're gonna be very very strict. Maraschino cherries to go
on top of the banana. Oh yes I did. And
those wafer straws. Yeah, like the wafer I love a Corinthian.
They actually only available at Christmas time. I hope you
get usually, I think because I have been known to

(05:20):
buy and eat a whole tup by myself. Also, you
don't have a cost Co 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 many corn dogs at a cost cot,
so you could like do the corn dog thing. And
I feel like that's got Imagine a little corn dog

(05:40):
and a little like tub of sauce in one of
your little baskets. You you know what. I had one
and it broke. It's very sad. What are you doing
with a bay Marie.

Speaker 3 (05:52):
I led it to a friend that came back and
then I put in my cupboard for months and then
I it just disused or something and it just doesn't work.

Speaker 2 (05:57):
I feel like that's it. 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, pancakes and stuff.
Excited really racking up this the course of this, Yeah,
one hundred percent. But like when Jess commits to a theme,
Es commits to a theme, Yeah, you'd be a made
So you can buy a secondhand to hats hats you

(06:19):
need the little paper diner house. Oh my god, I'm
sure you could like fold them out of some newspaper paper. Yeah,
but like anyway, we'll move on. Oh yeah, it turns
out just is having better week than everybody. So I'm sorry,
what movie you watching that? I haven't picked the movie
that Smile too. If you haven't watch Smiled one, then
more Smile one.

Speaker 3 (06:37):
Sorry, continue to know these are but I'll put them consideration.

Speaker 2 (06:41):
I'm very excited. How's your week being? Has it been
as good as Corinthians? I don't like, I don't think
there's anything as good ass and I'll bring some in soon.
I'm going to find.

Speaker 4 (06:51):
Them, please, I'm obsessed with Corinthians and there really is
like a withdrawal period after Christmas. I'm glad that they
to know that they sell them b.

Speaker 3 (06:59):
W that anyway.

Speaker 2 (07:01):
I don't know if this really not miss spreading innovation.
It's very hard months. That's a podcast.

Speaker 4 (07:08):
It's been really good oding with a friend, but we
both came from sharehouses and so we don't have any
furniture literally nothing, Like we're like like buying oven trays and.

Speaker 2 (07:15):
Cutlery to buy.

Speaker 4 (07:17):
It. It does add up, but just these things and
I'm like, I've never thought to buy so I'm like,
where do you even get them from?

Speaker 2 (07:23):
Like I actually don't know where to buy an oven? Trade?
Like not all camar?

Speaker 4 (07:27):
Do you need them to be like because I'm thinking
they need to be pre rusted, but they just pre rusted.

Speaker 2 (07:33):
Do you know what? You could probably go to an
op shop and find a lot of these things. Yeah,
that's why I feel like people often donate their surplus,
so it's not even like, oh, this one's broken off
get rid of, Like I feel like there's lots of
kitchen stuff. Yeah, I shop, but then also I found
that sometimes op shops are getting a bit expensive, so
like they maybe they are. Yeah, like maybe have a

(07:54):
look at the prices and stuff that came up before
you go in to the op shop, because you might go, oh,
four bucks for a like ove and trade, that's a
really good deal, Like they must be like fifty or
something in your head, like maybe you just don't know
how to price it, and then they're actually like three
dollars that came out or something. You would be a
pretty annoyed human being. Oh my god. Totally. I'm really noticed.
Even with Marketplace, I'm noticing that people are like twenty

(08:16):
dollars for this side table, and then I like, go
on k Marts, is fifty dollars a kmart for the
same exact ones, you know? But anyway, so it's been vigilance.
You could give it slammed, vigilate, subtle foreshadowing.

Speaker 3 (08:29):
I think we need to hear a bit more about
this scam that you almost fell victim to.

Speaker 2 (08:33):
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,

(08:55):
So like you best believe your girl knows a fair
bit about like skimming devices and how to scare 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

(09:15):
every time I go to get cash out, I just
like have this dream that maybe one day I'll like
spot as 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
sounds very dramatic.

Speaker 3 (09:31):
I know.

Speaker 2 (09:32):
Okay, so what like? So you went? So we 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 gonna say, Also,
what do you buy 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.

(09:56):
He only does cash. Just kidding. 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.

Speaker 4 (10:10):
Do what ever they say, literally whatever they say exactly
like you.

Speaker 2 (10:14):
Know who we love the most at the pub, the
person who buys the chippies for the table. Yes, so true.
So anyone with a good chippiees no question, no questions,
no questions. That's why I was getting cash out. For
those of you who are pervy. But I'm at the ATM,
I'm in my bikini, I'm looking at the ATM suspiciously,
as they always do, because I kind of want to
manifest finding a scamming device because it would be peak

(10:37):
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.
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

(10:58):
light well air, you know, the light that shines onto
the keypad. Yeah, to stick my finger probably a bad idea,
could have been full of spiders. 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
chucked 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

(11:20):
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, so obviously I pulled it off.

(11:43):
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 ATMIC, 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, but it's
no attached to the plastic. Well, it just looked suspicious

(12:04):
back 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.
But anyway, pull it off and I flip it upside
down to look at this piece of giant plastic that
I've 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

(12:28):
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

(12:49):
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 sell somebody. Yeah, like,
but that's not what I was doing anyway. So found
that got the police involved. Turns out it is obviously

(13:10):
very serious crime. They're very interested in it because these
things don't come up as often as I thought they
might have. Just you were saying that one was in
your area recently, which is literally like.

Speaker 3 (13:21):
The week before, I got posted in like a local
you know, Facebook community group, someone saying they'd found one
in like the main strip near me, which I think
I think it was from memory, out near a supermarket.
Like it wasn't out the front of a bank.

Speaker 2 (13:34):
It was right, 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. Yeah, so like
it wasn't bank affiliated. It was like one of those
like quick ETM things that charge you exorbitant fees to
use it, but it's in a very convenient location. Yeah, yeah,
which is so interesting.

Speaker 3 (13:51):
It's 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 one in me and then you find one,
and I'm.

Speaker 2 (14:01):
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. And like anyway, that was really
spicy and good to find. And I mean if you

(14:22):
find something on an ATM that looks suspicious. At the
end of a 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 rash because obviously every day
people come and get fifty dollars out, one hundred dollars out,
maybe like five hundred bucks to pay someone. Like, lots

(14:44):
of money goes through an ATM on a daily basis,
So like, 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 you
can look up, have a look at. But yeah, I
would be vigilant. Yeah, this is a silly question.

Speaker 4 (15:06):
But when you were explaining that, I was like, I wonder,
I gather that they have the card details from the
skimming and then do they make purchases or do they
take money out somehow of that.

Speaker 2 (15:15):
So just a backtrack, because I just realized I hadn't
explained it properly, so a skimming device could 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

(15:37):
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

(16:02):
blank card. They then time match the time that you
put your pin code in and watch the video and
go oh Beck's pink 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. Oh, which is why.

Speaker 3 (16:18):
And I didn't even realize I still did this until
you post about it. But my mum always do and
just to have it I picked up, but like having
your wallet over like or 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 in.
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

(16:40):
hand when you put your pin.

Speaker 2 (16:41):
And I mean it does 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, purpose built to look like a piece

(17:02):
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 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

(17:22):
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

(17:44):
I often frequent beck, 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

(18:05):
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 gonna 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

(18:26):
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 two hundred 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

(18:48):
an older guy who got his cash out and went inside.
Not the wiser, stop my heart, But 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 do. I didn't need
to find him because I pulled out the skimmer and
it had the SD card and all the information, and

(19:09):
I gave it to the cops. So now there's 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 it home. They absolutely would
have taken his cash. Y. Isn't that insane?

Speaker 1 (19:27):
I know?

Speaker 2 (19:28):
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 makes me feel like sickly to
be in the middle of a class of living crisis,
And like, you know, I dodn't want to get too
deep into it, but I have not been sleeping over this,
not because I'm stressed about 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

(19:51):
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 Centerlink. 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 dreamed. Like it makes me so angry, Like
and I was lucky. I was just getting some fish

(20:12):
and chips cash out.

Speaker 3 (20:13):
But the idea be vigilant everybody, Yes, 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.

Speaker 2 (20:25):
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 then finding out a Facebook group like jes did.
Oh there was a skimmer on this ATM. Like if
you see something, say something, even if you're just suspicious

(20:47):
and you call the company and go, I don't know,
but there's something real suss about your ATM machine at
the moment. Not a professional, I'm a nurse, but if
you could just check, that would be great. 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. Anyway,
let's move on because I can talk about scams literally,

(21:08):
and I'm going to do a whole episode on it soon.
I think it so excited. Beck is coming is coming.
But before we get there, and we also dive into
our money wins. Do you want a five star review
from the community please? Okay, this one is from Alexis.
Alexis says five star review, Thank you. Alexis Becksayed is

(21:29):
the unsung hero of this podcast purely for human reasons.
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.

(21:51):
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 I remember
the day it was not it was only a few
days ago. Just just sent me this.

Speaker 4 (22:05):
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.

Speaker 2 (22:10):
I want I want Alexis to be in my life.
This like completely rolled me in the best way, Like
it isn't it the best, the best thing I've but
like 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 also true,
so true. Oh my gosh, this is actually exactly what

(22:32):
you do.

Speaker 4 (22:33):
Oh my god, that is so mind blowingly nice, Like
I feel so so warm right now.

Speaker 2 (22:39):
I think the five star reviews just like the beck
fan clubs. So just like, if you haven't left us
a five star review, or you haven't left us, like,
go on to Apple and you can leave a message
for the Bech fan club. I'll get us. I'll make
us a T shirt, a.

Speaker 4 (22:55):
T shirt, just even if it's just a Lexus And
and honestly, and this is what I said to 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.

Speaker 2 (23:08):
Oh my gosh.

Speaker 4 (23:10):
If I were to perish, or if I were to
like just be lost in the bush for the rest
of my life, and those are my last.

Speaker 2 (23:15):
Yeah, perfect, We're calling Alexis phone. It's about to run
out of boundery. Beck Is calling Alexis.

Speaker 4 (23:23):
Alexis is the last ones I'm calling.

Speaker 2 (23:26):
I thank you, Alexis. Yes, let's move into the rest
of the community, your money, wins and confessions. If they
got to share this week, all right.

Speaker 3 (23:35):
I sure? But sweet one firstly from Jordan, who said
I paid off my Carlogne nine months early. Oh my god,
well done, Jordan, it's actually incredible. Next, I've got money
in from April, who sins you're on the same kind
of vibe as asked with the op shopping, she said,
money and environmental win. I've decided that I'm in at
my gift basket making erar. I'm using fines from Facebook,
Marketplace and the op Shop. There's heaps of unwanted Christmas

(23:58):
presents there at the moment, that's true, and she's collecting
them up and putting them aside and using these gifts.
She put a really cute little photo of anyone's thread.
But she's got baskets that I'm thinking maybe she's also thrusted.

Speaker 2 (24:10):
Those are so cute.

Speaker 3 (24:11):
Super cuteness, Like there's one there that's obviously for a kid,
because there's 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 line door. 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 Wendyes do ice

(24:31):
cream cakes that start at eighty dollars Peter's original the
classic from Woolies eighty dollars, yeah.

Speaker 2 (24:37):
Crazy and ice cream Like, I'm not undervaluing the energy
and effort and stuff. I'm shocked for a lot of money, definitely.

Speaker 3 (24:45):
Well, instead, they opted for a Peter's original from Wooli's
fourteen dollars gorgeous. They had to get too because the
grown ups also want 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 baby type
of cake. It's so I know there's a lot of
debate Fredo or Peter's.

Speaker 2 (25:02):
I don't hate the Freddo's, but you got to go.
I like Peter's a little bit more. You got to gog.

Speaker 3 (25:08):
I hope your son had a good birthday. I think
that's such a good gift. 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.

Speaker 2 (25:25):
Great, just starting not your business. Triple money win.

Speaker 3 (25:31):
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.

Speaker 2 (25:41):
Free of charge.

Speaker 3 (25:42):
Great We looked after altpackers, chickens, a dog, and a
cat during our stay. Housitting 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 out packer.

Speaker 2 (26:03):
I'm sorry, that's so cute. It looks like a tiny
baby out package. It looks like a little farm. It
looks like a dream. Sorgeous. Good a little tip for everybody.
I love that so much. That was a good little
wrap up, jess Beck. Yes, it is your turn. What
broke tips you're bring into the table this week? Okay, So,
because I've moved, I'm probably gonna have like a lot.

(26:24):
I'm won't use them all today, but I'm gonna have
a lot of broke tips coming in out of the now.

Speaker 4 (26:30):
This one comes from Maddie who says, and this is
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.

Speaker 2 (26:47):
You don't have to move. You don't have to actually move.

Speaker 4 (26:49):
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.

Speaker 3 (26:56):
Sometimes they do, Like you get free like I saw one,
so I was like, you get six months free binge
access or something, which is cool if you actually do,
then you don't have to pay for streaming services or
something like that.

Speaker 2 (27:07):
Excittly only valuable if you actually needed that item, Yes, exactly,
Like if you're like, oh, sign up because I would
love six months of free binge access, but I've never
actually used binge all night. I don't even want teaving
on there. That is not a good deal.

Speaker 3 (27:20):
Yeah.

Speaker 2 (27:20):
Absolutely.

Speaker 4 (27:21):
This section comes from Emma, who says I've been using
the Pass app to pay for things at my local
pub that I go to for dinner. You get points
every time you buy something, which ends up being around
ten percent 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

(27:42):
and they have drink specials each month. This month the
beer we drink is discounted through the app, so we're
saving eight dollars on each round for me and my houseband.

Speaker 2 (27:50):
That's such a good deal. I've never even money. And
there's over two hundred venues on there around Australia. Apparently incredible,
ka very nice. So that's the wrap from the community.
It's wrap from the community that past that I've never
heard of that I'm going to look it up now
and I brake tip.

Speaker 4 (28:08):
I feel like it might always a little bit of
common knowledge. But anyway, so you know, knowledge is not
that common back.

Speaker 2 (28:12):
Well, no, that's very true. Like sharing is important. That's
so true.

Speaker 4 (28:16):
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.

Speaker 2 (28:26):
It's because adhd thing diagnosing her she has an official youth.
We're not just making it up. That is so interesting.

Speaker 4 (28:38):
I never, I never like put the two together until
it like you know, well, you just you just.

Speaker 2 (28:42):
Tell me enough to 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 hyperfixation. Iye,
a fixation like the current what is it? Tell me
share currently? It's lamps and in particular.

Speaker 4 (28:57):
Yeah, I really like I'm looking for a particular a
vibe and style, So lighting wise, I would I really
want like a dark red or orange room. I know
if you've been a pitt of pippot in Fitzroid's I
had and night time, I see the moment.

Speaker 2 (29:11):
I yes, yeah, you can do that with like just
a light globe. Yes.

Speaker 4 (29:15):
Well, but this is the thing is that I already
had the light globes and I literally just painted them orange.

Speaker 2 (29:19):
And I think you have to be careful to make
sure they eat resistant. Oh yeah, do you know what?
I actually follow it back on Instagram. It is a
very weird concept, but Beck does share everything she gets up.

Speaker 4 (29:30):
To a story to me and thank you for remembering.
So that's one way to save money. But no, the
main thing was that I have you guys sort of dentist,
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 me
or buy myself something nice beautiful. Denis did a lamp

(29:51):
that looked exactly like what I wanted, but I didn't
have one hundred fet dollars to spend what that is
expensive for a lamp exactly, So I went to kmart
and got like a very similar look base yeah, and
just painted at orange with a three dollars acrylic paint,
so it was thirteen dollars instead of hundred fifty dollars.
You weren't painting the globe, you We're just painting the lamp,
checking the globe. Yeah, but like we don't endorse that.

(30:11):
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.

Speaker 2 (30:17):
But like you did a diy to achieve the same outcome. Yes,
exactly proud of you. Thank you so much. That's so exciting.
Thank you.

Speaker 4 (30:24):
So I would recommend googling identical or like similarish kind
of things if you if you know something, google reverse
image search.

Speaker 2 (30:33):
Yes, if you 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 chickier exactly exact.

Speaker 1 (30:48):
Love that.

Speaker 2 (30:49):
Yes, what a good tip. But I feel like you've
you've got a really good round up this week back,
Thank you, thank you much. An Alexis stroke. Your ego
actually still high, like and like my legs are taking
next 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

(31:09):
something you've slid into our DMS about. We're chatting about
navigating an extended unemployment break, so guys don't go anywhere.

Speaker 3 (31:20):
Welcome back, everybody. Let's take a listen to this week's
money dilemma.

Speaker 2 (31:25):
Hi, there, have you got a money dilemma? You just
can't solve the Sheese 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.

Speaker 5 (31:49):
High Seas 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

(32:11):
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 that She's on the Money
guys to know what to do. Thank you.

Speaker 2 (32:27):
It's really sweet that she thinks we'll know what to do.
It is a good question. This happened like a couple
of weeks ago, where people just kept someone just kept
signing into my Facebook and my Outlook accounts and then stop,
what yes, fifty dollars from you.

Speaker 4 (32:42):
I got it back eventually, but 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. You're banking app
to all of your social media, your emails. You might go, well,
how am I getting scammed from my emails? Well, have
to my boyfriend. They go into your emails and then

(33:02):
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 happened. He had his
identity stolen.

Speaker 2 (33:12):
Basically, 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
see what they were going on, and they started sending

(33:35):
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.

Speaker 3 (33:46):
So yeah, almost every platform you can think of you
can switch to factor authentication onto.

Speaker 2 (33:52):
These days, I think it's bare minimum two factor authentication
or nothing. Yeah, it was so annoying and now it is.
It is, but like, you know what's more annoying not
having the money that you saved. Yeah.

Speaker 3 (34:04):
I got an email that's like, oh, someone tried to
look into you account, like if it was you, Bubba,
and I like went to an outlook. You can go
and it will show you every attempted log in.

Speaker 2 (34:12):
Yes, and there was thousands, like someone in some country
trying but they can't because it's like my Gmail account. Yeah, crazy,
your outlook. It was my outlook. I'm like, God, it's
so weird.

Speaker 3 (34:24):
And it's like they must have some machine or something
because it's like every two minutes for two weeks straight
or something and it's not working because I have the
two factor on. So everyone right now poured the episode.
Go turn it on for everything, even things you think
you shouldn't. Your PayPal, your bank, your Instagram.

Speaker 2 (34:39):
Your social media. And we've all had a friend that
starts posting weird cryptocurrency stories scam like and also exactly.

Speaker 4 (34:48):
I literally sent my best friend Live 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, trade this, trade this,
then every single detail and then they look into my
Facebook and so maybe that's how the three dollars got someone.
But this is another one that I want to mention
because it kind of scared me. And I might have

(35:09):
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
Hunter money.

Speaker 2 (35:27):
And and I don't know if someone emailed me and
said Victoria to buy and we have your nudes, will
post them or you have to pay us post them?
Yeah I know, I'm like, post that's fun.

Speaker 3 (35:40):
Day.

Speaker 2 (35:40):
Yeah, day it 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.

Speaker 3 (35:50):
But like, it's sad that we live in a world
where we have to think consider that the front to
prevent other people's evil.

Speaker 2 (35:58):
So in terms of resources though, so ScamWatch dot gov,
dot au is a fantastic location. In twenty twenty five,
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

(36:19):
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 client.

(36:41):
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 crosscheck 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 ccurity
looks like, but I don't know what your security looks

(37:02):
like Beck, 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 inn 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

(37:26):
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 in

(37:47):
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 word. Thing
that can happen? You have to go and just redo
the transaction. Oh sorry, bank, like I did actually have
it right the first time. I'd prefer you to do

(38:07):
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 is ever gonna ask for that. Banks. You guys
should know that your bank would never call and be like, Hi,

(38:28):
is that Jessica, Oh yeah, yeah, yeah it is Jessica. Hi,
sorry Jessica. To continue this conversation, we need your like
your birth to Haiti and your account number. 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

(38:49):
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

(39:09):
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,

(39:30):
let's just see how it goes, it could be gone.
It could be gone. So I think that's a laundry list.
Three I would love for you just like the more
the merrier.

Speaker 3 (39:41):
Things that I've seen. So things to be vigilant off
when you get emails asking always click and look at
the email because you know, when you get an email
it to say from Jessica Ricky and then if you
click it, it will say you got the inmitual email.
It's very common for it to stay from I don't know,
Bendigo Bank and then you click on it and at
from XYZ two three form blah blah blah blah.

Speaker 2 (40:03):
Then it has like Bendy Go Bank in the username still.

Speaker 3 (40:06):
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.

Speaker 2 (40:15):
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 DMB the other.

Speaker 3 (40:31):
Day and ask 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.

Speaker 2 (40:46):
So rude, How do you stop that?

Speaker 3 (40:48):
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
like five hundred dollars, you might not want five hundred
dollars in cash.

Speaker 2 (41:00):
I would prefer that then having some random be able
to charge back. Yeah, totally.

Speaker 3 (41:04):
The other thing is look at reviews and stuff. So
even a lot of people don't realize this when you
sell stuff on Facebook marketplaces, you can rate 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 fake 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.

Speaker 2 (41:22):
Yeah, and it's also worth just looking at that.

Speaker 3 (41:24):
It's not a perfect system because selling stuff on marketplace
or gum Tree or whatever is you're in it. 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

(41:45):
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.

Speaker 2 (41:52):
That's really worth it. Yeah, yeah, yeah, And I love
that regular people are doing this, like the I think
so like I think people are selling stuff on Facebook
market play 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.

Speaker 3 (42:13):
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 three hundred and
fifty dollars, right, yeah.

Speaker 2 (42:30):
Like, and if it's a little bit more life, I mean,
I get it, but at the end of the day,
it's protecting you. Yeah, that's invaluable. Should we get into
the DM we should? Oh my gosh, I want to
keep talking about scam. I'm not going to you can
do a whole 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

(42:52):
going around. Oh, it's going to beat you. Ready, beg,
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

(43:15):
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've actually been very few updates.

(43:36):
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

(43:59):
without being too pushy? What would you guys do well,
as you guys know, obviously, I was maybe redundant last
year and I was with Jess at the time, and
I still am, but I sugar mama, Yeah, sugar MoMA.
She really was a sugar mama for a little while,
and I suges we appreciate it. And I couldn't find

(44:20):
work for ages, but I was actively looking. So I
feel like there's two different things like if if if
this partner is actively looking. And some 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 want

(44:41):
you 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 is actively trying and really is trying
to get a job 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
couple letters and resumes and and kept changing them and
you know, all these things that I was trying and

(45:02):
then couldn't find a job. So I was like kind
of at a point where I was like, I was
almost like to that to just like I was like,
you can you know, there's no no pressure to like
hang around if you you know, I was like, and
then she was like you what I know? And she
was like, I'm not going to I'm not going to
break up with you because you don't have a job.
I happened to like you as a human band because
you earn money totally, and so in this moment, it

(45:25):
was like that was so meaningful. And so I think
for your partner if and I say again, like I
really want to clarify, like if they 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,

(45:45):
and I'm still a functioning member of society. I'm not
going to be like banished.

Speaker 4 (45:51):
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.

Speaker 1 (45:57):
I don't.

Speaker 2 (45:57):
Don't you're not worthy of job and you just viral.

Speaker 4 (46:00):
And so they 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

(46:20):
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 keep being patient, which I know
sucks to because if you're in it, it's like I
under 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 if something bigger.

(46:44):
Maybe they don't you know, maybe they don't actually care
about this financial goal. Maybe that maybe that means that
they they're not respecting you as much as they should
and all these other things. So I'm like if that's
the case the case. If it feels more like that,
then that's definitely you definitely need to talk about your
future together. In your future financially, communication is key.

Speaker 2 (47:02):
Shuger, I agree.

Speaker 3 (47:06):
I think that it's hard because your partners 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 listener's 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, you know,
not feeling like you're being able to get a job
and validate them, and I understand that you're trying.

Speaker 2 (47:28):
I see that.

Speaker 3 (47:28):
But from my end, I also would really appreciate being
kept in the loops 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 you know,
our listener said that he was applying across a range
of industries, I would suggest that maybe he needs to

(47:51):
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. 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

(48:11):
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.

Speaker 2 (48:21):
Until we keep you on track to get your goals correct.

Speaker 3 (48:24):
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

(48:45):
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 app can but it
sounds like you're getting to the point where you just
need to be able to do something, and that would

(49:06):
probably be That's what I would do personally.

Speaker 2 (49:08):
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 do you know what? The

(49:30):
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, were going through COVID I in
order 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,

(49:52):
I'm just waiting to find my perfect job. I got
made redundant and I want to 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 qualifications.

(50:13):
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 see 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?

(50:34):
Are you using targeted cover letters?

Speaker 3 (50:36):
Yeah?

Speaker 2 (50:37):
Big one. So like you're just submitting your resume on Seek.
Like because 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, just I don't know if you've
paid attention to it on TikTok beck because I don't

(50:57):
think we've done a lot of employment stuff recently. But
people when I say, oh, 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.

(51:18):
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 love someone who puts
that effort into my business. I would be optimizing your LinkedIn. Yeah,
so like not always the best thing for your industry.
I don't know what industry you're in, but like making

(51:41):
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 you do, how you
do it. Also cleaning up your online presence. No, it's
a relevant thing.

Speaker 3 (51:57):
Like in this day and age, people are looking people
on Facebook and Instagram and whatever to see who they
might be hiring.

Speaker 2 (52:03):
I don't think anyone in our community is going to
have a presence that is negative. But like if there
are things online like I don't know, you love to
blast your current boss on Twitter or something, and like
it's quote anonymous, but it's under your government name, and
then I somehow google you and find that I don't

(52:24):
want you working for me. That's weird. So I think
that just making sure that you're dotting all your e's
and crossing all your t's, and yeah, I think professional
help could help. Like I know you're chewing three 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

(52:45):
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, yoursmey is not
good enough whatever. Maybe like an external doing that would
feel a little bit nice, I'm sure. So it feels
can sometimes feel like, oh my god, I'm already.

Speaker 3 (53:04):
Yeah, that's anything, Like don't they are probably feeling embarrassed.
Like I know that when I took a job that
was not there's anything wrong with working a warehouse like it, but.

Speaker 2 (53:12):
It was just not work done before.

Speaker 3 (53:14):
But it was not like Youurine, 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 a
differentiation 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.

Speaker 2 (53:29):
So and I was literally the opposite. When I looked
at you from the outside, I was like, whoa, Like
that's ilite ye, So like people, I promise looking at
you from my perspective, not the way that you're seeing
yourself in that moment.

Speaker 3 (53:42):
So like reminding him that that's the case, but also
there's nothing to be embarrassed about, like you've got it.
Sometimes you just got to do what you gotta do
and whatever that looks like, that's okay.

Speaker 2 (53:50):
I was just gonna say, I use I use recruitment agencies,
and I don't know if that's the thing. That's a
great ideas. Use those because they're like they're kind of
like out there and they're doing the work for you,
and let's play. I love those places. We did ask
the community. We were like, we have your two cents please.
We said, if you were our community member, what would
you do. Nineteen percent of you said, try and help
with the job hunt, twelve percent said I'm going to

(54:12):
give them space to figure it out, and sixty nine
percent 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.
Thirty one percent said, yep, it was really hard it
would be. Thirty one percent beck yeah, sixty five percent
said no. Luckily enough. Four percent of you said I'm

(54:34):
actually in the same boat right now. I'm so sorry.
You has tough spot to save 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 for feeling Beck. Yeah, and I just I totally

(54:58):
respect that, but it's often not a reflection on news
softa to 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.

Speaker 3 (55:09):
Cute.

Speaker 2 (55:09):
Yeah, that's nice. It's also just a really nice idea.
Like imagine if Jess turned around and said, Beck, 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, I feel really supportive.

Speaker 1 (55:21):
Yeah.

Speaker 2 (55:22):
Someone else said. The other thing is what are they
doing while not working right now? That's a big one.

Speaker 3 (55:28):
Are they helping picking up slack around the house or
are they playing video games in their pjs all day?

Speaker 1 (55:33):
Yeah?

Speaker 2 (55:33):
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 sharehouse 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
a suggest Someone else said, there is an element of

(55:56):
who you know. Maybe attend some networking events or reach
out to your network also really good, depending on what
industry you Yeah. Someone said, shared financial and life goals
mean you do get input into the other person's life.
That's a that's and that's kind of how I feel.
That's what I'm saying.

Speaker 3 (56:11):
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.

Speaker 2 (56:29):
The same table. Yeah. Yeah, I like that idea. I
haven'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
two hundred jobs last year and got two interviews. That

(56:50):
is crell it's 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, and you can start
to think it's you. It's not like, more often than not,

(57:11):
it's absolutely not. Someone else said, sounds like the partner
needs to apply for temporary jobs outside of his field.
So similar to your advice, yess, 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 It's or
any other job to keep them away from a dog
GMLM so much. Yeah, an MLM is not an option.

(57:38):
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. I love you guys.
You are so funny. Have a good week. We'll see
you bright early Monday morning from Money Diary. Until then,
enjoy the weekend, my loves Bye, guys bye. The advice

(58:04):
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(58:24):
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