7

Speakers

• Speaker 1 0:00
• Speaker 2 2:12
• Speaker 3 0:30

1. 0:00

   Chapter 1: we'll kick off but uh do do stop me do veer in any direction you want that's that's fine so just kind of wanted to start off by just noting like when you think about kind of the financial system so like banks and credit cards and kind of apps and anything in that space um how do you find using them like are you able to use them if not why not um kind of what's what's been your experience there Are we talking about internet banking? 131s · Speaker 1

   we'll kick off but uh do do stop me do veer in any direction you want that's that's fine so just kind of wanted to start off by just noting like when you think about kind of the financial system so like banks and credit cards and kind of ap…

2. 2:12

   Chapter 2: I think I've discussed it before with credit cards. 127s · Speaker 2

   I think I've discussed it before with credit cards. When I came debt free, the amount of credit card companies who I had debt with then said, oh, we can up your card to this. We can up your card to this. Bankless was the worst credit card c…

3. 4:20

   Chapter 3: So that all comes, so I find it easier that way, with the financial things there. 221s · Speaker 1

   So that all comes, so I find it easier that way, with the financial things there. Yeah, I'm glad that you found a way then of being able to kind of manage your money with that. And you mentioned them being like... reaching out to the the cr…

4. 8:02

   Chapter 4: It's just a nightmare, isn't it? 141s · Speaker 3

   It's just a nightmare, isn't it? Yeah. And as you noted, like often there's, if you can't pay that initial amount, then you actually end up having to pay more over time as it's kind of spread over there. Paul, just wondering from your exper…

5. 10:25

   Chapter 5: It's simple. 132s · Speaker 2

   It's simple. Yeah, great that, again, that system's working for you too. Vicky, what's been your experience as well? Well, I had a bad experience with a bank when I was rock bottom. Cap asked me to go in and open up a bank account, and it w…

6. 12:38

   Chapter 6: The temptation, the temptation is terrible. 62s · Speaker 1

   The temptation, the temptation is terrible. It's almost like you've been bullied into doing it because they're going to give you a low score until you do. You're stuck, aren't you? I don't want a credit card. Not since I've become debt-free…

7. 13:42

   Chapter 7: yeah as you say like obviously you've got the kind of credit score element where um there is a lot of kind of forcing of credit cards and things has there been anything else any other kind of experiences that that you've found it's been harder um if you can haven't had enough kind of money coming in go on what's been your experience Onto the credit card thing. 320s · Speaker 3

   yeah as you say like obviously you've got the kind of credit score element where um there is a lot of kind of forcing of credit cards and things has there been anything else any other kind of experiences that that you've found it's been har…

8. 19:04

   Chapter 8: That's one that always used to hit me, was oil. 317s · Speaker 1

   That's one that always used to hit me, was oil. I didn't have the money to fill my tank up when it was lowest. I had to fill my tank up when I had the money. And that wasn't always, yeah. I was going to say, where things have been easier fo…

9. 24:23

   Chapter 9: So you get eight hours of cheap electricity. 282s · Speaker 1

   So you get eight hours of cheap electricity. So they ask you to pick the days you want it. Well, I'm hardly in the house during the day anyway. So what I do is I say, right, I'll take it Monday 7th till 9th. Tuesday 7th till 9th. You know, …

10. 29:08

    Chapter 10: The thing that they, you know, you mentioned something about how does this affect you mentally, being poor. 312s · Speaker 3

    The thing that they, you know, you mentioned something about how does this affect you mentally, being poor. My biggest thing was my car. I couldn't afford to run my car. I couldn't afford to, I had to make sacrifices. So my car was my sacri…

11. 34:20

    Chapter 11: And I remember saying to the person that rang me from CAP and they said, whoa, you're debt free. 311s · Speaker 1

    And I remember saying to the person that rang me from CAP and they said, whoa, you're debt free. And I said, you know what I'm going to do now? I'm going to go to bed. I'm going to go and have a sleep. And it was the best night's sleep I'd …

12. 39:36

    Chapter 12: I think we'd all be banking with you. 237s · Speaker 1

    I think we'd all be banking with you. That sounds like a lovely initiative. Give some of the profit to the people that haven't got money. Stop giving these fair share things to people that have got money. Maybe give the fair share to people…

13. 43:35

    Chapter 13: Yeah, definitely. 222s · Speaker 2

    Yeah, definitely. And just, Paul, is there anything, any kind of changes that you'd want, and any kind of final comments, and then I promise to let you all go soon. What's going on here? Someone disappeared. Helen, yeah, you go for it. No, …