Latest / She's On The Money / She's On The Money Radio Recap: 26 November

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She's On The Money Radio Recap: 26 November · She's On The Money

• 0:00
  Speaker 1: On air and I have radio.
• 0:03
  Speaker 2: She's on The Money Radio Show.
• 0:07
  Speaker 1: With Victoria Divines.
• 0:08
  Speaker 2: Starts now, Oh, hello and welcome to this.
• 0:11
  Speaker 3: She's on the Money Radio Show podcast, the radio show
• 0:14
  Speaker 3: podcast for millennials who want financial freedom. And now we've got,
• 0:18
  Speaker 3: speaking of podcasts, the host of the Australian Podcast Awards,
• 0:23
  Speaker 3: Mitch Tury and winner of another Australian Podcast Award, Victoria Devine.
• 0:28
  Speaker 4: Oh my gosh, Mitch, how good is this? We're talking
• 0:31
  Speaker 4: about podcasts on a podcast pod, Sash.
• 0:35
  Speaker 1: It's meta, everybody. Let's talk about the forecast in the
• 0:38
  Speaker 1: weather and that way we can get really met at
• 0:40
  Speaker 1: every kind of cast there is.
• 0:41
  Speaker 4: I'm really excited about this award actually because I worked
• 0:45
  Speaker 4: really hard to get this. If we're honest, obviously you
• 0:47
  Speaker 4: guys have heard me say Budge direct intro and solved
• 0:49
  Speaker 4: a million times. But they gave us so much creative
• 0:53
  Speaker 4: control on a really big campaign this year. We worked
• 0:55
  Speaker 4: really well with them and we made sure that it
• 0:58
  Speaker 4: was really organic and that our community love it, which
• 1:00
  Speaker 4: I think is the most important thing for me. That
• 1:02
  Speaker 4: it just really resonates with our community and we got
• 1:04
  Speaker 4: an award for it, So I think.
• 1:07
  Speaker 2: That's the best way to do it, like budget directs.
• 1:09
  Speaker 3: Like when you actually have a product that you're sponsored
• 1:11
  Speaker 3: by that you actually love, it is so easy just
• 1:14
  Speaker 3: to work it in organically because you love it and
• 1:17
  Speaker 3: you use it genuinely. So that's what happens when you
• 1:19
  Speaker 3: do that, you get an award for it just for
• 1:21
  Speaker 3: being you.
• 1:21
  Speaker 4: Absolutely so, I absolutely loved it. I feel very grateful
• 1:25
  Speaker 4: to work in this space and also to just work
• 1:27
  Speaker 4: with my community every day, like it is just so
• 1:30
  Speaker 4: fun and I feel like that was one of my
• 1:32
  Speaker 4: favorite things at the Pod Awards, which was that just
• 1:34
  Speaker 4: like overwhelming sense of community and that everyone's kind of
• 1:37
  Speaker 4: got everyone's back, and we were talking about things and
• 1:40
  Speaker 4: just being like, oh, if you don't know, like, I'll
• 1:42
  Speaker 4: have a chat to you after this, I'll show you
• 1:43
  Speaker 4: what we do. Because it's kind of like Podland is
• 1:46
  Speaker 4: still a bit like the wild West.
• 1:48
  Speaker 5: People don't really know what they're doing. But so far,
• 1:51
  Speaker 5: so good, guys.
• 1:51
  Speaker 2: So you're saying that the thousand dollars under your seat.
• 1:54
  Speaker 5: Was now it was right, it was lie Mitch was lying.
• 1:57
  Speaker 4: At the Podcast Awards, he told everybody there was a
• 2:00
  Speaker 4: thousand dollars under my seat, and then there wasn't trap.
• 2:02
  Speaker 1: There was. Actually there was a second joke. So my
• 2:04
  Speaker 1: first joke you'll hear in today's episode, but I'll give
• 2:06
  Speaker 1: you an exclusive pod joke number two. So I said,
• 2:09
  Speaker 1: Victoria Devine he had the first joke, and then I said, no,
• 2:11
  Speaker 1: Victoria is not. Actually here's she's stuck in Melbourne. She
• 2:14
  Speaker 1: didn't budget the trip budgeted.
• 2:19
  Speaker 4: You guys are laughing because you know I would have
• 2:20
  Speaker 4: budgeted for that tally. There was funny because that never
• 2:22
  Speaker 4: would have happened.
• 2:23
  Speaker 3: There wasn't a thousand bucks under her seat. There was
• 2:25
  Speaker 3: probably eight thousand bucks. It was one of her bags
• 2:27
  Speaker 3: that she was probably carrying, right Mitch.
• 2:30
  Speaker 4: Use you know what was under my seat? This fair
• 2:33
  Speaker 4: wine I got before we went in.
• 2:36
  Speaker 1: We needed that.
• 2:37
  Speaker 4: It was a theater style event, and I was like,
• 2:40
  Speaker 4: I am not going in here with just one champagne,
• 2:42
  Speaker 4: so I ordered too, stuck one under my champs Can
• 2:44
  Speaker 4: I just say lass is because I am a genius.
• 2:49
  Speaker 1: You're a superstar. The funny part was v and I
• 2:51
  Speaker 1: walked out of the auditorium where I stepped off the stage.
• 2:53
  Speaker 1: Let's go have a drink and celebrate your big, big success.
• 2:56
  Speaker 1: Then we go out the way to walks up to
• 2:57
  Speaker 1: V and I and goes, Hi, congratulations on win. Can
• 3:00
  Speaker 1: I interest if you want a chicken corma or a
• 3:03
  Speaker 1: bottle of chicken?
• 3:04
  Speaker 5: Oh my gosh. It was so weird.
• 3:05
  Speaker 4: So it was a stand up event right, so theater
• 3:08
  Speaker 4: style event. And then straight after the event there was
• 3:10
  Speaker 4: like drinks and mingling of food, and I think Mitch
• 3:12
  Speaker 4: and I were waiting to get like a little spring
• 3:14
  Speaker 4: roll or something, you know, food like yeah, yeah, money bags,
• 3:18
  Speaker 4: anything fried turn out of ten to me. They had
• 3:21
  Speaker 4: bowls going around with mashed potato and curry what I
• 3:26
  Speaker 4: don't know, but like so good. Everybody's holding glasses and
• 3:29
  Speaker 4: then what expected to hold a bowl of curry and
• 3:32
  Speaker 4: not going it everywhere? But then all of the award
• 3:35
  Speaker 4: winners we had our glasses of champagne, our award in
• 3:38
  Speaker 4: another hand, like how were we ever going to eat
• 3:41
  Speaker 4: the curry? So when we got back to the hotels,
• 3:43
  Speaker 4: Steve and I ordered a really big pizza.
• 3:46
  Speaker 1: Oh nice. I had to stand there talking to Sandra
• 3:50
  Speaker 1: Sally eating a ghul lash.
• 3:51
  Speaker 3: It on the show We should talk about the show today.
• 3:56
  Speaker 3: It was actually rack Victoria nearly died of a heart
• 4:00
  Speaker 3: attack after.
• 4:01
  Speaker 4: She that's the most mortifying sound that whoever been recorded.
• 4:05
  Speaker 2: I'm going to use that as my ringtone from now.
• 4:07
  Speaker 2: It is amazing.
• 4:08
  Speaker 5: I would be like, who's having a feat?
• 4:11
  Speaker 3: We talk about Black Friday sales again? Are we going
• 4:13
  Speaker 3: to give your heads up? Because we're still amidst them
• 4:16
  Speaker 3: all some of the biggest deals and some of the
• 4:18
  Speaker 3: biggest things you can get involved in, but also.
• 4:21
  Speaker 5: The most excitingly.
• 4:22
  Speaker 2: Yeah, well, the buy now the after.
• 4:24
  Speaker 4: Reforms in the buy now, pay later sector here in
• 4:27
  Speaker 4: Australia we are going to discuss kind of in depth.
• 4:30
  Speaker 4: I don't know how it's going to end up sounding
• 4:32
  Speaker 4: because I went on and on and on, and I
• 4:34
  Speaker 4: think Trav just turned me off halfway. But that's okay
• 4:37
  Speaker 4: because I will continue to talk about it on the pot.
• 4:40
  Speaker 2: That's what I do to women all the time.
• 4:41
  Speaker 5: Anyways, moving on, how that we get straight into.
• 4:47
  Speaker 3: To get into the show right now, it is she's
• 4:49
  Speaker 3: on the Money radio show Saturday morning right across the country.
• 4:52
  Speaker 3: It's She's on the Money Radio show with Australia's number
• 4:55
  Speaker 3: one finance podcast and now married Victoria Devine and Mitch
• 4:59
  Speaker 3: Churry as well.
• 5:00
  Speaker 5: How long can I milk that for? Do you think.
• 5:02
  Speaker 1: Perpetually until you get divorced.
• 5:04
  Speaker 5: Oh my gosh, and then I can milk a divorce.
• 5:06
  Speaker 1: Now, Trev, Can I just say the one person I
• 5:08
  Speaker 1: would never want a divorce is Finance podcast a Victoria Devine,
• 5:12
  Speaker 1: where you'd get screwed. You wouldn't get the boat, she'd
• 5:14
  Speaker 1: take the spatula from the kitchen. Oh my god, we don't.
• 5:17
  Speaker 5: Even have a boat.
• 5:18
  Speaker 4: But you best believe if we were getting a divorce,
• 5:20
  Speaker 4: I'd end up with your get.
• 5:22
  Speaker 3: It and you know what, you would need to listen
• 5:24
  Speaker 3: to Super Savis Saturday. You'd have a lot of money
• 5:26
  Speaker 3: lemmas as well, which you're going to hear about here
• 5:29
  Speaker 3: in the show a little bit later on. But right
• 5:32
  Speaker 3: now we're talking about the buy now, pay later market.
• 5:35
  Speaker 5: I am so excited about this.
• 5:37
  Speaker 4: This reform made me download Twitter so I could tweet
• 5:41
  Speaker 4: about it because I was like, Lucy, is it guys?
• 5:43
  Speaker 1: So what do you reform?
• 5:45
  Speaker 4: Well, here in Australia we have buy now, pay later,
• 5:47
  Speaker 4: so that's things like after pay and zip pay, and
• 5:51
  Speaker 4: right now they don't actually have to stick to the
• 5:54
  Speaker 4: rules that credit cards adhere to. So at the moment
• 5:57
  Speaker 4: there's existing rules for credit cards and they keep people safe.
• 6:01
  Speaker 5: So if you went Mitch to go and.
• 6:03
  Speaker 4: Sign up for a credit card today, they would be like, oh,
• 6:06
  Speaker 4: let me just quickly check your credit score and whether
• 6:08
  Speaker 4: you can afford this. They don't do those types of
• 6:11
  Speaker 4: checks before you join a buy now, pay later company,
• 6:13
  Speaker 4: which I think is quite toxic. So there has been
• 6:16
  Speaker 4: a move and a paper release that is aiming to
• 6:19
  Speaker 4: put in place some regulation for their sixteen million dollar
• 6:23
  Speaker 4: by now.
• 6:23
  Speaker 5: Pay Later sector here in Australia. I love it.
• 6:27
  Speaker 4: Not to get too political about it, but the Albanzi
• 6:29
  Speaker 4: government has been doing good things in this space. And
• 6:32
  Speaker 4: the paper was released last Monday, and to summarize it
• 6:35
  Speaker 4: really quick for you, basically has three different options for
• 6:37
  Speaker 4: reform and it concludes stuff like expanding the National Consumer
• 6:41
  Speaker 4: Credit Protection Act to include by now Pay Later, which
• 6:44
  Speaker 4: from my perspective as an ex financial advisor, is one
• 6:48
  Speaker 4: of the easiest ways to just make sure it's a
• 6:50
  Speaker 4: completely level playing field, because at the end of the day,
• 6:53
  Speaker 4: buy now, Pay later is a form of credit, like
• 6:56
  Speaker 4: you are borrowing money that you do not have to
• 6:59
  Speaker 4: pay for fee that you currently can't afford.
• 7:02
  Speaker 5: And that's okay, but I think what we need to
• 7:04
  Speaker 5: do is.
• 7:04
  Speaker 4: Always make sure that the consumer is in the right position,
• 7:07
  Speaker 4: because in Australia we have a massive lack of financial literacy,
• 7:11
  Speaker 4: like not everybody knows what they're signing up for when
• 7:14
  Speaker 4: they sign up to pay, and the amount of stories
• 7:17
  Speaker 4: that come out of my community where they say things like, oh,
• 7:19
  Speaker 4: I signed up for zip pay and now I've looked
• 7:21
  Speaker 4: at my report and over the last three years, I've
• 7:24
  Speaker 4: spent sixty thousand dollars and I just didn't realize. And
• 7:27
  Speaker 4: to be honest, it was just because it was easy.
• 7:29
  Speaker 4: You just go People deserve more education, people.
• 7:32
  Speaker 1: Deserve right and that the company should be transparent with this.
• 7:37
  Speaker 1: They've been sneaking thus.
• 7:38
  Speaker 4: Fast, exactly, and you just assume that because it's by
• 7:40
  Speaker 4: now pay later, like that sounds a lot better than
• 7:43
  Speaker 4: oh I put.
• 7:44
  Speaker 5: It on my credit card.
• 7:45
  Speaker 4: There are a number of benefits to pint high now,
• 7:50
  Speaker 4: pie later, but one of them is that you don't
• 7:53
  Speaker 4: have the high interest rate associated with a credit card,
• 7:56
  Speaker 4: and so people see that as a little bit sexy.
• 7:59
  Speaker 4: They see it as kind of a benefit, right, like, oh, well,
• 8:02
  Speaker 4: if it's interest free, if I just paid off in time,
• 8:04
  Speaker 4: it doesn't matter, right, But it does enable you to
• 8:07
  Speaker 4: make more impulse purchases. Research tells us that on average,
• 8:11
  Speaker 4: if you're tapping plastic instead of just paying in cash,
• 8:14
  Speaker 4: you are going to spend nearly half more than what
• 8:17
  Speaker 4: you were going to if I had asked you to
• 8:19
  Speaker 4: pay for that thing in cash.
• 8:20
  Speaker 1: So it's buy now, pay way more later. That's really
• 8:23
  Speaker 1: what it should be.
• 8:23
  Speaker 4: Cooled mostly, Mostly, I just think that people need to
• 8:26
  Speaker 4: be more educated about the spending decisions that they're making.
• 8:29
  Speaker 3: Well, you know, if you have spent too much money
• 8:31
  Speaker 3: with buy now, pay later, we're going to save you
• 8:33
  Speaker 3: some money next.
• 8:33
  Speaker 2: God, well, I love it when you just slip in
• 8:36
  Speaker 2: there like that.
• 8:37
  Speaker 4: Man.
• 8:39
  Speaker 2: Thanks, it's a budget Direct winner, a can Stars Insure
• 8:42
  Speaker 2: of the Year or twenty twenty two Budget Direct Insurance Solved.
• 8:47
  Speaker 1: Look, we're here to save you some money, and we
• 8:49
  Speaker 1: love nothing more than a cheap knockoff that's actually better
• 8:51
  Speaker 1: than the original.
• 8:52
  Speaker 5: EXI version some trackscent we do.
• 8:54
  Speaker 4: Yeah.
• 8:54
  Speaker 1: At the podcast towards the other night, I hugged V
• 8:57
  Speaker 1: and then I saw the tag on the back of
• 8:58
  Speaker 1: a jacket and it was Peey Mavan So she's actually
• 9:01
  Speaker 1: wearing a Uvton jupe, which.
• 9:03
  Speaker 5: I thought was how did you chock that out.
• 9:05
  Speaker 1: I got so close.
• 9:06
  Speaker 5: Eyesight's so bad. I didn't even know you.
• 9:07
  Speaker 2: Could re wow.
• 9:09
  Speaker 1: Really, that's because I go to Mechsavers instead of Specsavers,
• 9:12
  Speaker 1: so my glasses don't work. We're doing some dupes here,
• 9:15
  Speaker 1: so if you don't know what a dupe is, essentially
• 9:16
  Speaker 1: they're kind of big. On TikTok, you can get droops
• 9:18
  Speaker 1: for a lot of fancy designer products. You can get
• 9:20
  Speaker 1: drops for after shave, like I wear Les Labo Santaw
• 9:23
  Speaker 1: thirty three, which is.
• 9:25
  Speaker 4: You and I have a very similar taste my friend,
• 9:28
  Speaker 4: but she's exy yes.
• 9:29
  Speaker 1: So she is essentially I'd say, you know, anywhere between
• 9:32
  Speaker 1: three fifty to five fifty even for a bottle of that.
• 9:35
  Speaker 1: Here's the thing. You could also go to price line
• 9:37
  Speaker 1: and get a rexsona tropical spray that I've heard on
• 9:41
  Speaker 1: TikTok for nine dollars. It's a chip joop, yep.
• 9:44
  Speaker 5: What my perfume? What is my perfume?
• 9:47
  Speaker 3: She's just asking her, she's just asking her executive assist
• 9:51
  Speaker 3: what she was.
• 9:52
  Speaker 4: So I love the Baccarat Rouge perfume, and it is
• 9:56
  Speaker 4: three hundred and fifty six dollars a bottle which is insane.
• 10:00
  Speaker 4: But Ariana Grande from Chemist Warehouse nineteen ninety five money
• 10:03
  Speaker 4: Win smells exactly the same.
• 10:05
  Speaker 1: Oh you go for the Ariana Grande ponytail A ponytail.
• 10:09
  Speaker 5: I'm wearing her perfume.
• 10:10
  Speaker 4: Next stop, I will be carrying around a tiny dog
• 10:13
  Speaker 4: and starting to sing about my ex boyfriends at the
• 10:15
  Speaker 4: top of my voice.
• 10:17
  Speaker 1: I found this so original. Is the Potago Vanetta Lido slides,
• 10:20
  Speaker 1: which are really popular. They're green, They've got the cross
• 10:22
  Speaker 1: hatch pattern on them, and these slides are one thousand
• 10:25
  Speaker 1: and fifty dollars, which.
• 10:27
  Speaker 5: Is en Oh no, thank you.
• 10:30
  Speaker 1: Now, don't go to Potaga Vanetta. Go to Target because yeah,
• 10:34
  Speaker 1: they got the Maris which look exactly the same for
• 10:37
  Speaker 1: thirty bakarnies.
• 10:39
  Speaker 4: How spicy would it get if you went out for
• 10:41
  Speaker 4: brunch in Bondy and you're like wearing a really expensive Yeah,
• 10:44
  Speaker 4: it's got your really expensive handbag, and then some chick
• 10:47
  Speaker 4: rocks up wearing the Target version and gets a compliment
• 10:50
  Speaker 4: in front of you.
• 10:51
  Speaker 5: I'd be so salty.
• 10:52
  Speaker 1: All right, give me one more Jube.
• 10:53
  Speaker 4: I've got two jeeps, as I said I promised Dowdy.
• 10:56
  Speaker 4: The first is not a jew but It's just a
• 10:58
  Speaker 4: really solid recommendation. It is the Lea Mule rose eleven
• 11:02
  Speaker 4: dollars ninety nine a bottle and probably the best rose
• 11:05
  Speaker 4: I've drunk in my life.
• 11:06
  Speaker 2: Hang on it, La Mule, La Mule has it got
• 11:08
  Speaker 2: a big kick to it.
• 11:09
  Speaker 1: It doesn't have a.
• 11:10
  Speaker 4: Kick, but it's got a picture of a donkey on
• 11:12
  Speaker 4: the front, so it makes up for it. But then
• 11:15
  Speaker 4: the second dupe I want to pick up on again
• 11:18
  Speaker 4: from our friends at Audi again not sponsored, just really good.
• 11:22
  Speaker 4: Is there laucra Vida base primer, which is about ten
• 11:26
  Speaker 4: dollars and it is an exact dupe for like the
• 11:29
  Speaker 4: one hundred dollars Bobby Brown primer.
• 11:32
  Speaker 5: Woh, I love that identical.
• 11:34
  Speaker 1: A lot of makeup dupes in the beauty world, isn't
• 11:37
  Speaker 1: that crazy? If you've got a jupe, hit us up?
• 11:39
  Speaker 5: I need them in my life.
• 11:41
  Speaker 1: You know what I'd love if someone was maybe dating
• 11:43
  Speaker 1: a dupe, Like if someone was like, oh, I've got
• 11:44
  Speaker 1: like the Chris Hemsworth jupe. He's kind of like Chris,
• 11:48
  Speaker 1: but he was born in you know, Liverpool.
• 11:51
  Speaker 2: Don't they called doppel Ganghis or they call wish versions,
• 11:54
  Speaker 2: aren't they?
• 11:54
  Speaker 3: Oh yeah, Hey, if you've got a money dilemma, you
• 11:57
  Speaker 3: won't be if you're spend any money on dupes.
• 11:59
  Speaker 2: But you can eat us up anytime on socials. Just search.
• 12:02
  Speaker 2: She's on the money.
• 12:04
  Speaker 1: This is she's on the Money radio show each week.
• 12:09
  Speaker 1: What we do here is we bring someone's financial story
• 12:11
  Speaker 1: on air. So Sarina us hi vee. I've got myself
• 12:14
  Speaker 1: into a pickle. We buy now, pay later, very topical.
• 12:17
  Speaker 1: I've got one account with a four thousand dollars limit
• 12:19
  Speaker 1: that is now maxed out. Another account that has a
• 12:22
  Speaker 1: seven grand limit that's also maxed out, both of which, yeah,
• 12:27
  Speaker 1: both of which she's hidden from her partner. So she
• 12:29
  Speaker 1: earns eighty five k per year and her monthly repayments
• 12:32
  Speaker 1: are around two seven fifty.
• 12:34
  Speaker 4: That's so much funny, But that's no judgment. It just
• 12:37
  Speaker 4: would feel really terrible having that on you and.
• 12:40
  Speaker 1: Hiding it from your partner. So here's an issue. Questions
• 12:42
  Speaker 1: come up every payday from the partner asking why she
• 12:45
  Speaker 1: never has any money. Christmas is looming, She's got no
• 12:47
  Speaker 1: idea how she can leave by presence. She's so stressed.
• 12:50
  Speaker 1: What should she do? So she needs to know can
• 12:51
  Speaker 1: she negotiate payment plans or should she close accounts without
• 12:55
  Speaker 1: paying them? Will it affect a credit rating. There's a
• 12:57
  Speaker 1: lot to unpack.
• 12:58
  Speaker 4: Sorry, first things first, we need to tell your partner
• 13:00
  Speaker 4: because emotionally, that's clearly weighing on you. And if you're
• 13:03
  Speaker 4: in a solid relationship, you should be able to have
• 13:05
  Speaker 4: conversations like that without judgment. And to me, it's a
• 13:08
  Speaker 4: bit of a red flag if you're hiding things from
• 13:10
  Speaker 4: your partner if worry of being judged or them not
• 13:14
  Speaker 4: being very kind about it, that to me would be
• 13:17
  Speaker 4: not a good place to be. Yes, you absolutely should
• 13:20
  Speaker 4: close the accounts, but often you can't close by now
• 13:22
  Speaker 4: pay later accounts until.
• 13:23
  Speaker 5: They're at zero, so they do have to remain open.
• 13:27
  Speaker 4: In saying that, what you can do is each time
• 13:29
  Speaker 4: you pay off a bit of your debt and you
• 13:32
  Speaker 4: get your after pay down to maybe like three thousand,
• 13:34
  Speaker 4: five hundred instead of the four thousand, you can actually
• 13:37
  Speaker 4: call up after pay and have your limit brought down,
• 13:40
  Speaker 4: so as you're paying it off, you kind of decrease
• 13:43
  Speaker 4: your limits so you can't stretch back up again. Because
• 13:46
  Speaker 4: that seems to be something that a lot of people
• 13:48
  Speaker 4: fall into the trap of, and that's going Oh, I
• 13:50
  Speaker 4: really want that there's five hundred dollars like extra wriggle
• 13:53
  Speaker 4: room on my after pay, I'll just pay for it
• 13:55
  Speaker 4: and I'll deal with the debt later. That is a
• 13:57
  Speaker 4: toxic place to be in. The Other thing I would
• 13:59
  Speaker 4: say is really sit down and do your budget and
• 14:02
  Speaker 4: cash flow. Get on top of it. It will actually
• 14:04
  Speaker 4: make you feel super empowered. Budgets should not be restrictive.
• 14:08
  Speaker 4: They should be something that make you feel like you're
• 14:10
  Speaker 4: in the best possible position to allocate your dollars to
• 14:14
  Speaker 4: the things that you really care about and the things
• 14:17
  Speaker 4: that you want to create out of your life.
• 14:19
  Speaker 1: So should someone craft their own budget? Is that what
• 14:21
  Speaker 1: you're saying? Like someone else?
• 14:23
  Speaker 4: If you go to my website, I'm not trying to
• 14:24
  Speaker 4: sell a product here, but go to my website. There's
• 14:26
  Speaker 4: a free downloadable one on there because I have made
• 14:28
  Speaker 4: it and just made it work for people. Sit down
• 14:32
  Speaker 4: and do a budget. Understand how many dollars come in,
• 14:35
  Speaker 4: and most people are able to tell us that, but
• 14:37
  Speaker 4: most people can't tell me how many dollars go out
• 14:40
  Speaker 4: of their account. So that's the next number we really
• 14:42
  Speaker 4: want to understand. And then once you're on top of that,
• 14:46
  Speaker 4: we work out, all right, what type of compromise do
• 14:48
  Speaker 4: I have to make to pay this off asap? Because
• 14:52
  Speaker 4: at the end of the day, eighty five thousand a year,
• 14:54
  Speaker 4: that's a pretty good salary, like you're doing really well. However,
• 14:57
  Speaker 4: I reckon it's all worth a crack and after that
• 15:00
  Speaker 4: having a chat with your partner, because at least you
• 15:02
  Speaker 4: can say, look, I'm really on top of this, but
• 15:04
  Speaker 4: I want to share it with you and that might
• 15:05
  Speaker 4: make you feel a little bit more in control.
• 15:08
  Speaker 3: Hey, if you've got a money to lem me, you
• 15:10
  Speaker 3: can hit us up anytime. Just search shees on the
• 15:12
  Speaker 3: money you're going to tell us Next, though, Victoria to
• 15:16
  Speaker 3: Vine would be Saved Saturday, Super Savior Saturday, where you
• 15:19
  Speaker 3: can get a coffee for nineteen ninety two prices.
• 15:22
  Speaker 4: That is definitely coming up next. I have some insider
• 15:25
  Speaker 4: gossip fuel.
• 15:26
  Speaker 3: It is time to save some people some money with
• 15:29
  Speaker 3: this Save Saturday aharp.
• 15:32
  Speaker 1: So every week Victoria gives us some sneaky tips on
• 15:34
  Speaker 1: how to keep more bucks in your bank account. So
• 15:37
  Speaker 1: this week we're going to thick of Black Friday sales
• 15:39
  Speaker 1: and Cyber Monday is also approaching.
• 15:41
  Speaker 4: There are some sick deals going around Mitch, you've listed
• 15:44
  Speaker 4: a few here.
• 15:45
  Speaker 5: Why did you pick the ones that you've picked?
• 15:47
  Speaker 1: Well, listen, because these are things that I'd be interested in.
• 15:49
  Speaker 1: It's also to tech and clothing and things that I
• 15:52
  Speaker 1: would buy. Amazon, I have twenty six percent off Apple AirPods.
• 15:56
  Speaker 1: That's so good. Yeah, they're two ninety five down from
• 15:58
  Speaker 1: four hundred bucks.
• 16:00
  Speaker 5: You're saving one hundred bucks, honeywooks.
• 16:02
  Speaker 1: Dyson have four hundred dollars off their big, very high
• 16:05
  Speaker 1: powered V eight absolute vac discount. Yeah, down from a
• 16:09
  Speaker 1: thousand bucks. I will we have to say that none
• 16:11
  Speaker 1: of this is sponsor. These are just good deals that
• 16:12
  Speaker 1: we found.
• 16:13
  Speaker 4: Not is now the time where we bring up the
• 16:15
  Speaker 4: fact that my she's on the Morning Community when talking
• 16:18
  Speaker 4: about vacuums, because that's the type of community we are.
• 16:21
  Speaker 4: We get really excited over vacuums. They were talking about
• 16:24
  Speaker 4: how the Kmart stickback is a very very good dub
• 16:28
  Speaker 4: for a Dyson and some people like it more than
• 16:31
  Speaker 4: they like the Dyson one. So not to talk down
• 16:33
  Speaker 4: to Dyson because like, I'm a pretty big fan of
• 16:35
  Speaker 4: their air wrap. Yeah, Like, if I'm buying a vacuum
• 16:38
  Speaker 4: and I can only spend like one hundred bucks, like
• 16:40
  Speaker 4: maybe the cam up one is definitely up for grabs.
• 16:42
  Speaker 1: Oh, definitely shop within your budgeting. But I will say
• 16:45
  Speaker 1: the air wrap is down from nine hundred dollars to
• 16:47
  Speaker 1: seven to fifty.
• 16:48
  Speaker 2: I mean for God's tales, it's amazing. What else you
• 16:50
  Speaker 2: got for us?
• 16:50
  Speaker 1: Mitche Black Friday sale at Woolworths fifty health and beauty.
• 16:54
  Speaker 5: That's r you could make use of that.
• 16:57
  Speaker 1: Actually, what do you mean?
• 17:00
  Speaker 5: I was just saying that you like to give yourself
• 17:03
  Speaker 5: a facial O.
• 17:04
  Speaker 2: Come on, Oh well we have off the rails today track.
• 17:08
  Speaker 1: Can you give us a black side ideal that you
• 17:10
  Speaker 1: found because we need a glass of water? Learn a check.
• 17:14
  Speaker 3: Oh my god, she's actually of the snorts that covered out.
• 17:19
  Speaker 2: She might be having a heart attack. I am genuinely concerned.
• 17:22
  Speaker 3: Get a defibrillator you know where it might sell it
• 17:25
  Speaker 3: to fibrilator Rebels Sport who were doing fifty?
• 17:29
  Speaker 2: Can you just stop?
• 17:32
  Speaker 1: What happened? Are you doing the show live from a
• 17:34
  Speaker 1: petging zoo?
• 17:37
  Speaker 2: I think that pig video you saent us before is
• 17:39
  Speaker 2: to start an auto.
• 17:40
  Speaker 5: Playing and swim mummy.
• 17:43
  Speaker 1: Give us the rebel of Sport. Just Kevin, we're going
• 17:45
  Speaker 1: all right, I gotta.
• 17:46
  Speaker 3: Go fifty garment and Samsung Smart Watchers. So if you
• 17:50
  Speaker 3: want to get fit, get yourself in a rebel sport,
• 17:53
  Speaker 3: that's a.
• 17:53
  Speaker 4: Pretty good money win and hot too. Pier again, not sponsored,
• 17:57
  Speaker 4: just good. Definitely make sure if you're through all of
• 18:01
  Speaker 4: these sales you have your shop back activated because you
• 18:04
  Speaker 4: can actually double up your discounts if you are shopping.
• 18:06
  Speaker 3: Hey, before we get out of here, you told us
• 18:08
  Speaker 3: about a place that you could get coffee at thirty
• 18:11
  Speaker 3: years ago prices, Victoria Devine.
• 18:13
  Speaker 5: I did that is right, Trav.
• 18:15
  Speaker 4: I have been talking to my friends on Instagram and
• 18:17
  Speaker 4: the Merlow Cafe in Brisbane is celebrating thirty years of
• 18:20
  Speaker 4: roasting and to do that, they're taking us back to
• 18:22
  Speaker 4: the future and they are selling coffee this week for
• 18:26
  Speaker 4: their nineteen ninety two prices. Wow, so a small coffee
• 18:30
  Speaker 4: this week is going to cost you ninety five cents AH,
• 18:33
  Speaker 4: a medium coffee one ninety five, large is two forty
• 18:36
  Speaker 4: five and an extra large coffee, guys, is going to
• 18:39
  Speaker 4: set you back to ninety five. And I just think
• 18:41
  Speaker 4: that's a really good way to promote your business and
• 18:43
  Speaker 4: also give people a little bit of a money when
• 18:46
  Speaker 4: on a weekend.
• 18:46
  Speaker 5: We love Main and we love.
• 18:48
  Speaker 3: Coffee, Victoria, let's jump up to Brisbane and Mitch. Unfortunately, mate,
• 18:53
  Speaker 3: you got to stick around because you're doing the Life
• 18:55
  Speaker 3: on Cut show coming up next. But we'll be back
• 18:58
  Speaker 3: next week for the final show of the year.
• 19:00
  Speaker 2: Guys.
• 19:01
  Speaker 3: In the meantime, hit us up anytime she's on the
• 19:04
  Speaker 3: money on Socials. Until then, we'll catch you later.
• 19:07
  Speaker 1: Thanks, guys here