Latest / She's On The Money / She's On The Money Radio Recap: 12 November

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She's On The Money Radio Recap: 12 November · She's On The Money

• 0:03
  Speaker 1: She's on The Money Radio Show.
• 0:07
  Speaker 2: With Victoria Divine starts now, Hello and welcome to the
• 0:11
  Speaker 2: She's on The Money Radio Show podcast. The radio show
• 0:14
  Speaker 2: podcast for millennials who want financial freedom.
• 0:17
  Speaker 1: I feel like I'm getting better at that.
• 0:19
  Speaker 3: You are getting better and better as the gone by
• 0:22
  Speaker 3: six months and we're still not there, but we are
• 0:24
  Speaker 3: working on it together as a team.
• 0:27
  Speaker 1: Cute Victoria, Miss Victoria.
• 0:30
  Speaker 2: Yeah, about to say, Mitchie, you went to the bathroom beforehand.
• 0:35
  Speaker 2: You didn't actually see the photos that Victoria showed me
• 0:39
  Speaker 2: of her wedding dress number one amazing.
• 0:42
  Speaker 1: I've seen the articles.
• 0:43
  Speaker 4: God, I've read the front page of every every you
• 0:45
  Speaker 4: can't make you gotta.
• 0:46
  Speaker 3: Wait for haven't come out? Yeah, they haven't come out yet.
• 0:50
  Speaker 4: About I get express screenings you see, okay to me before.
• 0:55
  Speaker 3: Becauseous I did text him some so it makes sense.
• 0:59
  Speaker 1: Tell us about it.
• 1:00
  Speaker 3: Oh my god, best day of my life. I feel
• 1:01
  Speaker 3: like everyone says that. I we was also going to
• 1:03
  Speaker 3: say the cliched oh my god, it flew by, because
• 1:06
  Speaker 3: it also did. But it was honestly magic, Like I
• 1:09
  Speaker 3: could not have asked for better weather. Like I feel
• 1:11
  Speaker 3: like our weather was so lucky in Melbourne for the
• 1:14
  Speaker 3: entire week before our wedding it was storming and then
• 1:17
  Speaker 3: it was a perfect day, twenty two degrees sunny, little
• 1:20
  Speaker 3: clouds in the sky. Was a ten out of ten
• 1:22
  Speaker 3: from my perspective.
• 1:23
  Speaker 2: I went to a wedding the week before in Perth,
• 1:25
  Speaker 2: and Perth is usually amazing wedding weather and literally amazing
• 1:30
  Speaker 2: weather all the way up on the Saturday when they
• 1:32
  Speaker 2: got married, absolutely storming. Had to change their wedding venue,
• 1:36
  Speaker 2: No the day before.
• 1:38
  Speaker 3: Oh my heart, I would have been so stressed. I'm
• 1:40
  Speaker 3: so grateful to have had it at the venue we
• 1:42
  Speaker 3: had it at, like because everything was in one location.
• 1:45
  Speaker 3: So we got married where the reception was, where where
• 1:47
  Speaker 3: the after party was, and where the recovery party was,
• 1:50
  Speaker 3: so we didn't even leave that location for the entire weekend.
• 1:53
  Speaker 3: It was the best.
• 1:54
  Speaker 2: What was the one thing that stands out in your mind?
• 1:56
  Speaker 2: Like one little moment you were like, well.
• 1:58
  Speaker 3: Walking down the aisle one hundred percent walking down the
• 2:00
  Speaker 3: aisle with my dad and seeing Steve there crying and
• 2:03
  Speaker 3: our dog being like hi mom. At the end. It
• 2:05
  Speaker 3: was so sweet, was so so sweet. If you ever
• 2:09
  Speaker 3: get married so stereotypical, you're going to.
• 2:11
  Speaker 1: Cry like I cry at other people's weddings. I don't reckon.
• 2:14
  Speaker 1: I'll be able to even say my vows. MITCHI, how
• 2:15
  Speaker 1: do you reckon?
• 2:16
  Speaker 4: You would go, oh my god, trav I said this
• 2:18
  Speaker 4: on the show this week, which you'll hear. I cried
• 2:19
  Speaker 4: watching the Block for.
• 2:20
  Speaker 3: Now last Yeah, you're in trouble.
• 2:23
  Speaker 4: Look, it's really bad. And I cried at the end.
• 2:27
  Speaker 4: Out of the auctions.
• 2:27
  Speaker 3: We both cried the entire time, which is not what
• 2:30
  Speaker 3: I expected. I would like to think that I'm a
• 2:32
  Speaker 3: really well spoken young lady. So I had practiced my
• 2:35
  Speaker 3: vows and made sure that I was like, you know,
• 2:37
  Speaker 3: knowing what was coming, because you don't want to stumble.
• 2:40
  Speaker 3: All I did was like I was just crying and crying.
• 2:44
  Speaker 3: So with Steve so like kind of made it a
• 2:46
  Speaker 3: little bit wholesome, a little bit lame, but definitely unforgettable.
• 2:49
  Speaker 1: You know that he is a lobster.
• 2:50
  Speaker 3: So he is his best man. Speech referenced to a
• 2:54
  Speaker 3: number of different animals. But we won't go there. We'll
• 2:57
  Speaker 3: keep some things about the wedding private.
• 2:58
  Speaker 2: I think this week on the SHO show, we got
• 3:00
  Speaker 2: the Block guys Sarah, Jane and Tom.
• 3:02
  Speaker 4: Yeah, that was tragic. So if you missed it right.
• 3:04
  Speaker 4: Tom and Sarah Jane with the front runners the whole season.
• 3:07
  Speaker 4: Tom was one of the only contestants that had actual
• 3:10
  Speaker 4: trading experiences. He's got his own plumbing business. Sarah Jane's
• 3:13
  Speaker 4: a social worker. They were great, had a great attitude,
• 3:15
  Speaker 4: and they won a whole bunch of challenges early in
• 3:17
  Speaker 4: the season, so they got a massive cash injection. So
• 3:20
  Speaker 4: sort of objectively they had the best house right, they
• 3:23
  Speaker 4: went second. They got to pick the order of the auctions,
• 3:26
  Speaker 4: and they put themselves second, thinking sell the first one
• 3:29
  Speaker 4: and then they have to.
• 3:30
  Speaker 5: Go above that.
• 3:31
  Speaker 3: Yeah, that's the same one with.
• 3:33
  Speaker 4: The golden dress.
• 3:34
  Speaker 1: Yeah, yeah, that's you Vine, the dress.
• 3:38
  Speaker 3: You did not wrong.
• 3:39
  Speaker 4: Anyway, it didn't work in their favor. They went over
• 3:41
  Speaker 4: their reserve by twenty k, which meant the household they
• 3:43
  Speaker 4: made twenty k was tragic for them, and we chatted
• 3:46
  Speaker 4: them all about it. Also THEE and I discover we
• 3:49
  Speaker 4: get an exclusive here. In fact, they're thinking about OnlyFans
• 3:52
  Speaker 4: and seriously thinking about putting photos of themselves online, and
• 3:55
  Speaker 4: we talk about that.
• 3:56
  Speaker 3: Yeah, genius, genius. I mean, I don't know how serious
• 3:59
  Speaker 3: they were about it, but like there is definitely a
• 4:01
  Speaker 3: market for people who want photos that they're they're pitching, so.
• 4:05
  Speaker 1: Get you off, gets you off.
• 4:08
  Speaker 3: We've all been there.
• 4:10
  Speaker 1: Of course, you love a good croc, so I do.
• 4:13
  Speaker 3: I do. I actually have to give my friends at
• 4:16
  Speaker 3: seven eleven a call because they do coffee cup crop Gibbets.
• 4:20
  Speaker 3: What are they called?
• 4:22
  Speaker 1: Yes, what's the same?
• 4:23
  Speaker 3: I desperately warm one. I actually slid into their DMS.
• 4:26
  Speaker 3: I've never slid into any company's DMS and asked for
• 4:28
  Speaker 3: anything in my entire life, because that gives me the
• 4:30
  Speaker 3: heby GBI's you know when people are like, oh, just
• 4:33
  Speaker 3: for free, because you've got na nah. But I did
• 4:35
  Speaker 3: slide into seven eleven's DMS. I said, what does it
• 4:38
  Speaker 3: take for me to get a coffee cup gibbets?
• 4:41
  Speaker 1: Amazing?
• 4:42
  Speaker 2: Let's slide into the show right now. She's on The
• 4:45
  Speaker 2: Money Radio show starts right now. Yeah, for your Saturday
• 4:48
  Speaker 2: morning it's She's on the Money Radio Show with Australia's
• 4:50
  Speaker 2: number one finance podcast of Victoria Devine. We've got mixed
• 4:53
  Speaker 2: cury as well. But guys, bad news. The world's about
• 4:57
  Speaker 2: to end financially.
• 4:58
  Speaker 3: V How many times does that happened in the past?
• 5:00
  Speaker 3: Trav I feel like it's happened a million times before,
• 5:03
  Speaker 3: and that's why we're talking about it today, because it
• 5:06
  Speaker 3: shouldn't be something that stresses you out. The economy in
• 5:09
  Speaker 3: general comes in ebbs and flows, and they say that
• 5:12
  Speaker 3: the economy does reset itself every seven years, So it
• 5:15
  Speaker 3: should be expected because there's been a while since we
• 5:17
  Speaker 3: had our last recession, and our biggest last recession was
• 5:20
  Speaker 3: obviously the global financial crisis that happened in two thousand
• 5:22
  Speaker 3: and eight two thousand and nine, and I feel like
• 5:24
  Speaker 3: after COVID, we're kind of due for a bit of
• 5:26
  Speaker 3: a financial reset. We're seeing the cash rates go up,
• 5:28
  Speaker 3: We're seeing our mortgages cost us more. Last week on
• 5:31
  Speaker 3: the show, we talked about how our mortgages, given the
• 5:34
  Speaker 3: seven consecutive rate rises over the last seven months, are
• 5:38
  Speaker 3: now costing you eight hundred and fifteen dollars per month
• 5:42
  Speaker 3: more on a five hundred dollars mortgage, which is insane.
• 5:45
  Speaker 3: Like people are finding that their purse strings are a
• 5:47
  Speaker 3: little tighter than they used to be. So we need
• 5:49
  Speaker 3: to talk about these things to one normalize what's going on.
• 5:53
  Speaker 3: But two, what's a recession? Do we even know?
• 5:55
  Speaker 5: No?
• 5:55
  Speaker 4: I remember when I was a kid, right, and my
• 5:57
  Speaker 4: parents would throw around GFC and I'm like, are we
• 5:59
  Speaker 4: getting oh my goshun And I got so excited. And
• 6:04
  Speaker 4: then as I grew up and realized, oh no, that's
• 6:06
  Speaker 4: really grim. But I actually have never really grasped the
• 6:09
  Speaker 4: idea of a recession, like I know the Great Depression
• 6:11
  Speaker 4: you studied in high school, but I don't really know.
• 6:13
  Speaker 4: Is there a technical term?
• 6:14
  Speaker 3: Be definitely a technical term, and it's essentially just a
• 6:17
  Speaker 3: business cycle where there is a very general decline in
• 6:20
  Speaker 3: economic activity. I was talking on my podcast a couple
• 6:23
  Speaker 3: of months ago about a bear and a ballmarket, and
• 6:25
  Speaker 3: people like, what the hell we've been throwing this term
• 6:27
  Speaker 3: of what a bear market is around recently. But essentially
• 6:30
  Speaker 3: a bear market is where our economy declines by twenty
• 6:33
  Speaker 3: percent from a twelve month high. So when I say that,
• 6:37
  Speaker 3: you go, oh, that makes sense. It just means it's dropping,
• 6:39
  Speaker 3: and a bull market means the exact opposite. It's an
• 6:42
  Speaker 3: incline of twenty percent in the economic activity. So when
• 6:45
  Speaker 3: we're talking about a recession, it kind of makes sense.
• 6:47
  Speaker 3: What we've been through here in Australia. We went through
• 6:50
  Speaker 3: some bushfires, then we went through COVID and everything went
• 6:53
  Speaker 3: absolutely south. Literally we have been through the wars here
• 6:57
  Speaker 3: in Australia, but the same thing has happened into nationally
• 7:01
  Speaker 3: and we are all under a lot of pressure. So
• 7:03
  Speaker 3: it makes sense that there is going to be a
• 7:06
  Speaker 3: pullback in business activity across the board. And that's basically
• 7:09
  Speaker 3: what a recession is. And the important thing to take
• 7:11
  Speaker 3: into consideration here is not that you guys all have
• 7:14
  Speaker 3: businesses and need to be worried about all of that,
• 7:17
  Speaker 3: but across the board, unemployment often rises during recessions, and
• 7:21
  Speaker 3: total employment levels can flatline or completely turn negative. So
• 7:25
  Speaker 3: that is where it begins to impact us and our
• 7:27
  Speaker 3: families and our friends and become something that is a
• 7:30
  Speaker 3: lot harder.
• 7:31
  Speaker 1: Yeah, yeah, but hard on.
• 7:32
  Speaker 4: What can we do on like a micro level to
• 7:34
  Speaker 4: prepare for a potential recession.
• 7:36
  Speaker 3: So the first thing I would do is make sure
• 7:38
  Speaker 3: you have an emergency fund set up that is going
• 7:40
  Speaker 3: to make sure that if something goes south for you,
• 7:42
  Speaker 3: you're able to afford it. The last thing we want
• 7:45
  Speaker 3: to be doing is getting into debt. I would be
• 7:47
  Speaker 3: considering job financial security. So are you in a role
• 7:50
  Speaker 3: that is going to be financially secure? I feel like
• 7:53
  Speaker 3: it's one of those things where we need to budget,
• 7:55
  Speaker 3: we need to cash flow, make sure that we're on
• 7:57
  Speaker 3: a stable financial platform. And if you are in debt,
• 8:01
  Speaker 3: have a chat to our friends at the National Debt Helpline.
• 8:03
  Speaker 3: If this is sending you into a bit of a spin.
• 8:05
  Speaker 3: They are absolutely fantastic, have some really beautiful resources. You
• 8:09
  Speaker 3: can just give them a buzz meach. They are actual
• 8:11
  Speaker 3: legends doing really cool things. They have access to every
• 8:14
  Speaker 3: single connection under the sun that can help you. But
• 8:17
  Speaker 3: then they also have free financial counseling which can help
• 8:20
  Speaker 3: you feel a little bit more secure and a time
• 8:22
  Speaker 3: that is a little bit more tumultuous.
• 8:24
  Speaker 1: So we've got a couple of special guests on the
• 8:26
  Speaker 1: line right now.
• 8:26
  Speaker 4: Guys.
• 8:27
  Speaker 3: I'm very excited to talk to these guys actually, because
• 8:29
  Speaker 3: I think a lot of people were really disappointed with
• 8:31
  Speaker 3: the outcome for them, which I totally get, but it's
• 8:34
  Speaker 3: not often the reason they go on the show. So
• 8:36
  Speaker 3: I want to dig deep into why they went on
• 8:38
  Speaker 3: the show in the first place and where they want
• 8:40
  Speaker 3: to go next.
• 8:41
  Speaker 4: Yeah, I cry because Tom and Sarah Jane were incredible.
• 8:44
  Speaker 4: They're joining us now. Hello, guys, Commiserations and welcome to
• 8:47
  Speaker 4: she's on the money. Thank you.
• 8:49
  Speaker 3: I want to know. Let's take us back all the
• 8:51
  Speaker 3: way to the start. Why did you apply for the show?
• 8:53
  Speaker 3: What were you wanting to get out of this?
• 8:55
  Speaker 6: Honestly, like we were looking to get a financial game
• 9:00
  Speaker 6: like that was truly our sole.
• 9:01
  Speaker 5: Purpose honestly for us. I had the best twelve week
• 9:04
  Speaker 5: experience in my life, and I did it with no
• 9:06
  Speaker 5: regrets and I wouldn't change anything to do it again.
• 9:09
  Speaker 5: But we actually did go on the show to try
• 9:11
  Speaker 5: to get ahead on our mortgage a little bit. Yeah,
• 9:14
  Speaker 5: just didn't work out how we thought it did. But
• 9:16
  Speaker 5: we're just glad we had a great time. And if we.
• 9:19
  Speaker 6: Hadn't had a miserable time and actually not enjoyed the
• 9:21
  Speaker 6: build and the designing and dinners like it would have
• 9:25
  Speaker 6: felt like a lost because we had an amazing time.
• 9:28
  Speaker 6: Like that's been a really, really kind of big thing
• 9:30
  Speaker 6: that we've been focusing on. It's made us bounce back
• 9:33
  Speaker 6: so quickly.
• 9:34
  Speaker 3: Oh I love this, And do you know what I
• 9:35
  Speaker 3: love more? I feel like you guys just have your
• 9:38
  Speaker 3: head screwed on because the amount of times I talk
• 9:41
  Speaker 3: to people that have been on the show before they
• 9:43
  Speaker 3: say things like Oh, I just really wanted a good experience.
• 9:45
  Speaker 3: I'm like, bro, we need a really clear goal.
• 9:47
  Speaker 5: Out of this.
• 9:48
  Speaker 4: All true reality though I love that and people only
• 9:51
  Speaker 4: go on reality shows for one of two reasons. A
• 9:53
  Speaker 4: to start an only fans or B for the money.
• 9:55
  Speaker 4: And let's be really, you guys have the money, Well
• 9:58
  Speaker 4: I don't really fe.
• 10:02
  Speaker 3: That's where the money is going to be. Have you
• 10:03
  Speaker 3: seen every other reality TV stuff? I feel like you're
• 10:06
  Speaker 3: missing your chance.
• 10:07
  Speaker 1: Do we have an exclusive here? Tom?
• 10:09
  Speaker 6: I've always had a really good feat and I feel
• 10:11
  Speaker 6: like this is my moment.
• 10:12
  Speaker 3: Why do you know what? Let me know how that goes,
• 10:15
  Speaker 3: because you could be a money diary on my podcast
• 10:18
  Speaker 3: in the next few months. But I want to know
• 10:20
  Speaker 3: a bit more about what the plan is now. Obviously
• 10:23
  Speaker 3: the results are a bit disappointing. Your home was absolutely stunning, though,
• 10:28
  Speaker 3: so I feel like there's a lot of opportunity coming up.
• 10:30
  Speaker 3: What is next.
• 10:31
  Speaker 6: We'll still continue to obviously work, because we still need
• 10:34
  Speaker 6: to pay all at our bills, but hopefully things do
• 10:36
  Speaker 6: come from it, and if it's something that we actually
• 10:40
  Speaker 6: believe in and something of interest to us, then hopefully,
• 10:43
  Speaker 6: you know, maybe we can make money that way. If
• 10:45
  Speaker 6: people want, you know, to hire Thomas as their plumber.
• 10:49
  Speaker 3: I think it's a great idea. I think it's genius.
• 10:52
  Speaker 3: I feel like you really should be making Hey while
• 10:53
  Speaker 3: the sun is shining.
• 10:55
  Speaker 4: After Victoria's two morning coffees here at the radio show.
• 10:57
  Speaker 4: These toilet plums that kiss FM Tom, we can really
• 11:02
  Speaker 4: get you in here. And I mean, let me tell
• 11:04
  Speaker 4: you those stress poos.
• 11:05
  Speaker 6: I totally get it. I'm a nervous pillar.
• 11:09
  Speaker 4: Did you do a nervous pooh after the auction?
• 11:11
  Speaker 3: I would have done it before, you know, I.
• 11:13
  Speaker 6: Did it before I did a drunk poop afterwards?
• 11:15
  Speaker 3: Yeah, yeah, yeah. So Sarah Jane, what are you thinking?
• 11:19
  Speaker 3: Are you thinking of changing your career direction after the
• 11:21
  Speaker 3: experience that you've had over the last twelve weeks.
• 11:23
  Speaker 6: I really do not know, because like design sounds really
• 11:27
  Speaker 6: intriguing to me, but I honestly, like know nothing about
• 11:31
  Speaker 6: the legit rules of it or how it works. Like na,
• 11:34
  Speaker 6: I just gave me a credit card and I was like, yeah,
• 11:36
  Speaker 6: well I want this. I want some of this, and
• 11:37
  Speaker 6: I'm going to put it all together.
• 11:38
  Speaker 3: I just got a proper water when I went into
• 11:40
  Speaker 3: Eternal nine the other day. Is that what you got
• 11:42
  Speaker 3: a credit card loser.
• 11:44
  Speaker 6: Spending other people's money was like my favorite aspect of
• 11:46
  Speaker 6: the whole show.
• 11:47
  Speaker 3: I hope you find something that really sparks joy, because honestly,
• 11:50
  Speaker 3: I feel like so many people in our community really
• 11:52
  Speaker 3: resonated with you guys, and feel like they want to
• 11:55
  Speaker 3: see more of you. So we can't wait to see
• 11:57
  Speaker 3: what is next, whether it is and only fans for
• 11:59
  Speaker 3: feet or a plumbing business for people who have had
• 12:03
  Speaker 3: a bit too many drinks after the block. We are
• 12:06
  Speaker 3: genuinely so excited to see where you go and know
• 12:09
  Speaker 3: that this is not the last stop on the way.
• 12:14
  Speaker 2: All right, If you are struggling with your cash flow,
• 12:16
  Speaker 2: you got yourself in a bit of a situation and
• 12:18
  Speaker 2: need some advice, you can hit us up at She's
• 12:20
  Speaker 2: on the Money on socials, Holly. She wrote in she
• 12:23
  Speaker 2: wants some advice on investment properties fee and we're going
• 12:25
  Speaker 2: to get to that next.
• 12:27
  Speaker 1: This is She's on the Money radio show.
• 12:30
  Speaker 2: We're about to solve somebody's money to Lemma Victoria, divine
• 12:34
  Speaker 2: we are.
• 12:35
  Speaker 3: It is my favorite time of the week where someone
• 12:37
  Speaker 3: from our community has a juicy money question and we
• 12:40
  Speaker 3: get to dish all the goths and give unsolicited advice.
• 12:44
  Speaker 4: Can I just say, Travin, you can probably attest to this.
• 12:46
  Speaker 1: Sorry, this sounds awful.
• 12:48
  Speaker 4: Not the one, but one of the best benefits of
• 12:50
  Speaker 4: being friends with Victoria Divine, there's many, is free financial
• 12:54
  Speaker 4: advice whenever you want. I text her all the time
• 12:56
  Speaker 4: and she gives it.
• 12:58
  Speaker 3: Sometimes it's elicited.
• 13:00
  Speaker 2: But why wouldn't you want the advice of Australia's number
• 13:04
  Speaker 2: one finance podcast.
• 13:05
  Speaker 4: That's right, Well Holly wants it right. She sent us
• 13:08
  Speaker 4: a voice note. She's part of the she's on the
• 13:10
  Speaker 4: main community, she's a sugar baby, and she asks this.
• 13:13
  Speaker 2: I have a small deposit using the government five percent
• 13:17
  Speaker 2: scheme for a chance of buying a small two bedroom
• 13:20
  Speaker 2: property with not much savings to back me up. Do
• 13:23
  Speaker 2: I do that or do I save?
• 13:25
  Speaker 3: At the end of next year, I would have sixty
• 13:27
  Speaker 3: thousand dollars in savings and do I invest that money
• 13:30
  Speaker 3: instead in something else? Look, I feel like this is
• 13:33
  Speaker 3: a really interesting one because when it comes to property,
• 13:35
  Speaker 3: if that's what you've set your heart on, the second
• 13:37
  Speaker 3: you have a deposit amount, you're ready to buy. But
• 13:40
  Speaker 3: that doesn't mean you should do it. Because I think
• 13:43
  Speaker 3: it's one thing to have the cash there, but it's
• 13:45
  Speaker 3: another thing to completely separate from it. And I am
• 13:48
  Speaker 3: a really big believer in making sure that you have
• 13:50
  Speaker 3: an emergency fund in addition above and beyond your deposit,
• 13:54
  Speaker 3: so that once you move into the house, if any
• 13:56
  Speaker 3: unexpected costs come up, you're able to cover them. But
• 13:59
  Speaker 3: then again, what if something happens and when the cash
• 14:02
  Speaker 3: rate increasing. I just feel like being a little bit
• 14:04
  Speaker 3: more conservative and giving yourself a little bit more breathing
• 14:07
  Speaker 3: room is a really good idea at the same time
• 14:10
  Speaker 3: as completely understanding that the second you get to that amount,
• 14:13
  Speaker 3: you're really stressed because property is going up in price
• 14:16
  Speaker 3: and interest rates are going up and you want to
• 14:17
  Speaker 3: get in sooner, right, But that does not mean it
• 14:20
  Speaker 3: is the best idea for you. And my advice here
• 14:23
  Speaker 3: would genuinely be go and talk to one of our
• 14:24
  Speaker 3: Zella mortgage brokers and say, hey, guys, I'm really excited
• 14:28
  Speaker 3: to get into my first property or my next property.
• 14:31
  Speaker 3: Is this actually viable for me? What would this purchase
• 14:34
  Speaker 3: look like? Because the girls and do you know what,
• 14:36
  Speaker 3: your mortgage broker will do this too. They'll run the
• 14:39
  Speaker 3: numbers for you and go all right, sit down, Mitch,
• 14:41
  Speaker 3: if you're going to buy, this is your deposit. This
• 14:43
  Speaker 3: is how much a solicitor is going to cost. This
• 14:45
  Speaker 3: is how much you're building a pest inspectra will cost.
• 14:48
  Speaker 3: His land tax is his stamp duty. Here's how much
• 14:51
  Speaker 3: will be left over. But also they might be able
• 14:53
  Speaker 3: to pivot it and go all right, well, if you
• 14:55
  Speaker 3: had an additional this that might help, or you might
• 14:58
  Speaker 3: rock up like a few of our clients have recent
• 15:00
  Speaker 3: and they're like, they, I've saved up my twenty percent,
• 15:02
  Speaker 3: I want to get into my first home, and we go, yeah,
• 15:04
  Speaker 3: let's do it. Do you know you only need a
• 15:06
  Speaker 3: five percent deposit because we can get you into this scheme,
• 15:09
  Speaker 3: or you know, a ten percent deposit because you know
• 15:11
  Speaker 3: this bank is offering this particular scheme and you're going
• 15:13
  Speaker 3: to have more in your emergency fund. And everybody needs
• 15:16
  Speaker 3: to be financially secure in making that decision. I just
• 15:19
  Speaker 3: don't think anyone should go into it with ou oh
• 15:22
  Speaker 3: I now have absolutely no money and can't afford to
• 15:24
  Speaker 3: pay bills. I'd probably be a little bit more conservative
• 15:26
  Speaker 3: at this point in time, just because I'm a little
• 15:28
  Speaker 3: bit more conservative as a finance.
• 15:30
  Speaker 4: Gal, you know, Oh yeah, but when it comes to clothing,
• 15:32
  Speaker 4: my god ankles out conservative when it comes to money,
• 15:35
  Speaker 4: but when it comes to the outfits, oh.
• 15:37
  Speaker 2: Boy, priorities mate, that's what it is. But you know what,
• 15:40
  Speaker 2: let's save some people some money, Victoria Devine.
• 15:42
  Speaker 3: Because we super save Saturday.
• 15:44
  Speaker 1: That's she took my job, mate, exactly.
• 15:46
  Speaker 3: And this week I've got some click baity styles savings
• 15:49
  Speaker 3: hacks that you know what, if I pitched them well
• 15:51
  Speaker 3: enough on the radio show, I think BuzzFeed it even
• 15:53
  Speaker 3: want to pick them up.
• 15:54
  Speaker 1: Amazing.
• 15:54
  Speaker 2: All right, that is coming up next on She's on
• 15:57
  Speaker 2: the Money radio show.
• 15:58
  Speaker 1: What a reference, trav I love that little barb as well. Guys.
• 16:02
  Speaker 1: Let's save some people some money sim Saturday.
• 16:05
  Speaker 3: Guys. I am so excited for these tips because when
• 16:08
  Speaker 3: I sat down to pull them together, I was like,
• 16:10
  Speaker 3: all right, well, the silly season is coming up. Everyone
• 16:12
  Speaker 3: needs tips before Christmas comes. I'm going to start off
• 16:16
  Speaker 3: with flights. Make sure you book your flights either on
• 16:19
  Speaker 3: or before the first week of November or December four
• 16:23
  Speaker 3: to ten, because it turns out, according to Travelocity, these
• 16:27
  Speaker 3: are when prices are going to be the lowest, and
• 16:29
  Speaker 3: of course waiting till later in December is going to
• 16:32
  Speaker 3: be super risky because one flights could be full, but
• 16:35
  Speaker 3: when they start to get less and less capacity available,
• 16:37
  Speaker 3: they're going to get more expensive.
• 16:39
  Speaker 4: Is that what bumps up the flights Viba?
• 16:41
  Speaker 3: Yes, So it's either capacity or it's them knowing that
• 16:44
  Speaker 3: that timing is going to be really expensive. So for example,
• 16:47
  Speaker 3: if you wanted to fly tomorrow, you're probably desperate for something.
• 16:51
  Speaker 1: All right, what's tip number two?
• 16:52
  Speaker 5: All right?
• 16:52
  Speaker 3: Tip number two is ask for the manager. Karen do I'm.
• 16:56
  Speaker 4: Sorry, no, no, no.
• 16:59
  Speaker 1: She gets married and all of a sudden she.
• 17:01
  Speaker 4: Wants to talk to the manager.
• 17:03
  Speaker 3: Age twenty years So I was in JB high fiving
• 17:06
  Speaker 3: the other day, very elite establishment because they price match.
• 17:11
  Speaker 3: So if you are Christmas shopping, my best tip I
• 17:15
  Speaker 3: have is, if you found the perfect gift item you
• 17:18
  Speaker 3: might be buying some speakers, google the product and if
• 17:21
  Speaker 3: the price is cheaper online, ask for the manager and
• 17:24
  Speaker 3: see if they can price match, because sometimes even if
• 17:27
  Speaker 3: it's not displayed, they are very likely to not want
• 17:30
  Speaker 3: to lose the sale. Like, just be kind, be nice
• 17:33
  Speaker 3: and try and price match.
• 17:34
  Speaker 4: There's websites that also compare them and show you what
• 17:37
  Speaker 4: is you whip it out, you show them the screenshot.
• 17:40
  Speaker 4: I've done it before, and they will price match on
• 17:41
  Speaker 4: a screenshot.
• 17:42
  Speaker 3: I know definitely that they do it at JB High
• 17:44
  Speaker 3: five because they've done it for me a number of
• 17:45
  Speaker 3: times and they're actually really good in there, and I
• 17:47
  Speaker 3: always know that I'm going to get the breast price
• 17:49
  Speaker 3: and really good service. I'm obviously not sponsored by them
• 17:52
  Speaker 3: in any way, shape or form, but I would welcome
• 17:53
  Speaker 3: it to the show in twenty twenty three if people
• 17:55
  Speaker 3: are interesting. Yeah, but it's just one thing that we
• 17:57
  Speaker 3: always forget to do. Would you like Tip three?
• 18:00
  Speaker 1: Yeah?
• 18:00
  Speaker 4: Hit me So.
• 18:01
  Speaker 3: Tip three is for the people who don't want to
• 18:03
  Speaker 3: ask for a price match. You might be a little
• 18:04
  Speaker 3: less confident, you're not ready. You're going to go to
• 18:06
  Speaker 3: your app store and you're going to download an app
• 18:08
  Speaker 3: called shop Savvy. So what is shop Savvy? I hear
• 18:12
  Speaker 3: the crowd scream. Oh, well, it is an app that
• 18:16
  Speaker 3: you download that you scan your potential gift sparcode and
• 18:20
  Speaker 3: it will find it for you for less somewhere on
• 18:22
  Speaker 3: the internet.
• 18:23
  Speaker 1: Oh that is amazing.
• 18:24
  Speaker 5: Yep.
• 18:24
  Speaker 3: You just scan the barcode and away it goes, and
• 18:27
  Speaker 3: it says, hey, the cheapest price for this exact item,
• 18:30
  Speaker 3: not just googling it being like, oh, do you reckon?
• 18:32
  Speaker 3: These headphones are the same nut's the barcode, So it's
• 18:35
  Speaker 3: super easy, and I think it's another savvy tip that
• 18:37
  Speaker 3: is going to stay in your back pocket because sometimes
• 18:40
  Speaker 3: I don't know, you might be in a big department
• 18:41
  Speaker 3: store getting really terrible service and you can't even find
• 18:43
  Speaker 3: a shop sales assistant. So that will come in handy call.
• 18:46
  Speaker 1: We do that with a mixtury as well.
• 18:48
  Speaker 3: Scan the barcode on his forehead.
• 18:52
  Speaker 4: My barcode is in my nether regions, and I will
• 18:54
  Speaker 4: have you know I'm one of one.
• 18:55
  Speaker 1: Baby. Okay, no price matching these, But I.
• 18:57
  Speaker 3: Do also think it's a smart tip for right now
• 19:00
  Speaker 3: because hopefully you guys are as slack as I am
• 19:02
  Speaker 3: and haven't started Christmas shopping, and so you need these
• 19:05
  Speaker 3: tips in your ears right now instead of later in
• 19:07
  Speaker 3: December when we're like, well, mate, I don't have time
• 19:10
  Speaker 3: to order that on the internet.
• 19:11
  Speaker 2: We've got nothing but time right now, We've got nothing
• 19:13
  Speaker 2: to do. Victoria does, sure does Mitch Sury. You're sticking
• 19:18
  Speaker 2: around mate, for the Life Uncut radio show. But in
• 19:20
  Speaker 2: the meantime, if you do have a question for us
• 19:23
  Speaker 2: or you need some advice. You can hit us up anytime.
• 19:26
  Speaker 2: Just search Shees on the Money, on socials. We'll speak
• 19:29
  Speaker 2: to you next week.