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The Small Habits That Quietly Made Us Richer · She's On The Money

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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
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Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,
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Speaker 1: Kaka yah Ya, bin Ahaka nian Ar gay In, Nimbina,
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Speaker 1: yakarum jar dominyamiga Umagahawakawaman damon Imlan Wumba bang Gadabomba in
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Speaker 1: and now in wakah ghana on yakraum jar Watnadaa. Hello,
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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
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Speaker 1: We thank acknowledge and respect the Aberiginal people's land that
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Speaker 1: we're gathering on today. Take pleasure in all the land
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Speaker 1: and respect all that you see. She's on the Money
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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
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Speaker 1: knowledge and resources for you to thrive.
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Speaker 2: She's on the Money. She's on the Money.
1:08
Speaker 3: Hello and welcome to She's on the Money, the podcast
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Speaker 3: that's here to show you building wealth doesn't always have
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Speaker 3: to be about big, flashy money moves, because today we're
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Speaker 3: talking about the tiny habits that made a big difference,
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Speaker 3: the low effort, often relatively unglamorous things that quietly made
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Speaker 3: us a little bit Richer. I'm Victoria Devine and I'm
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Speaker 3: a retired financial advisor, and joining me is the woman
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Speaker 3: who lives and breathes clever money habits.
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Speaker 2: Miss Jessica Ricci.
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Speaker 1: Hello.
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Speaker 3: The inspiration for this episode actually came from a brilliant
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Speaker 3: thread in our Facebook group, which, by the way, Loki,
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Speaker 3: I'm obsessed with.
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Speaker 2: Did you see the person who posted a picture of
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Speaker 2: their pet duck the other day?
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Speaker 4: Oh my god, I love it.
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Speaker 2: I have gone down an absolute rabbit hole. Like first
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Speaker 2: it was you.
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Speaker 3: You mentioned that you were going to get a porch goose,
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Speaker 3: and I was like, what's a porch goose? So I'm
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Speaker 3: starting to look come on, totok and on Instagram porch
2:01
Speaker 3: goose for those of you playing along, it's a large
2:04
Speaker 3: sized plastic duck that.
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Speaker 2: You have on your porch and you decorate it for
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Speaker 2: different events. T's it up. I'm here for it. But
2:11
Speaker 2: by looking up.
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Speaker 3: Porch gooses, I also started having duck videos turn up
2:16
Speaker 3: on my feed. And now my son, Harvey, he and
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Speaker 3: I are banding together and we're trying to convince my husband.
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Speaker 2: That we need a pet duck.
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Speaker 4: I completely I think you do.
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Speaker 3: And then somebody posted their pet duck as pet tax
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Speaker 3: the other day and I was like, you are my people.
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Speaker 2: Their pet duck, by the way, was named Marshmallow, so cute.
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Speaker 4: Stop it.
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Speaker 2: But if you're not in our community, what the heck
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Speaker 2: you doing?
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Speaker 3: There's lots of free money tips and tricks that our
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Speaker 3: community shares every single day, free judgment and also sorry
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Speaker 3: pet ducks, Like what what could you want? I can't
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Speaker 3: offer you anything more. And get this, Jess, we now
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Speaker 3: have more than three hundred thousand. She's on the money
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Speaker 3: besties waiting for you. The thread that I was talking
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Speaker 3: about before I started talking about gee Ducks, that thread
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Speaker 3: was about small money habits that have made a really
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Speaker 3: big difference. And I would say that there were some
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Speaker 3: seriously smart tips and tricks that you and I didn't
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Speaker 3: even think of you there. But Jess, before we get
3:12
Speaker 3: into the community tips and tricks, I want to know
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Speaker 3: what are the little money things that you've done.
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Speaker 2: That have made a really big difference.
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Speaker 4: I don't want to sound like a broken record because
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Speaker 4: I feel like I've said this every episode.
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Speaker 2: For me again, it needs to be reiterated.
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Speaker 4: The circular economy people, if you've got things, make them
3:29
Speaker 4: work hard, rent out your nice dresses. If you have
3:32
Speaker 4: nice dresses, or if you have tools, rent out your
3:35
Speaker 4: tools if you are you know, one in and one out.
3:37
Speaker 4: If I want to buy something new, I'm financing that
3:40
Speaker 4: by selling old things. People have over five hundred dollars
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Speaker 4: unused stuff, like the average in your household correct, So
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Speaker 4: like let's get that working. Like make sure that if
3:49
Speaker 4: you're bringing things in as much as possible, you're financing
3:52
Speaker 4: them by sending things out. It also helps to reduce
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Speaker 4: your over consumption. It's safe you space. I won't harp
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Speaker 4: on because I've spoken about it so often, but genuinely,
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Speaker 4: the circular economy is where at that. I would also say,
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Speaker 4: you know, cross check fees of your providers annually. I
4:07
Speaker 4: know that that's another one that we recommend a lot,
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Speaker 4: but having a reminder in your calendar. I just changed
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Speaker 4: our electricity provider, which is not something you'd maybe think about.
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Speaker 2: But there's kind of boring, low key, but like also.
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Speaker 4: We're gonna say over twelve hundred dollars a year, yeah,
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Speaker 4: which is a big lot of money. And you can
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Speaker 4: use government websites to compare different things or other compare websites.
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Speaker 4: Just be conscious of which ones you're using because sometimes
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Speaker 4: you can be paid to be ranked higher.
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Speaker 3: But we're not going for companies that are marketing more,
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Speaker 3: just the government based ones.
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Speaker 4: Yeah, but doing research seeing where you can save money
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Speaker 4: on those fees really can add up. One little unhindural
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Speaker 4: that I have for myself for takeout is I really
4:45
Speaker 4: tried not to order any Bruts. If I want takeaway
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Speaker 4: and I go, oh, great, like I can get to
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Speaker 4: New Breots and I can have pizza here in twenty minutes.
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Speaker 4: Can't order New Breats, I've got to go pick it up.
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Speaker 2: Nope, nope, sorry, that tips not for me. But there's
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Speaker 2: two reasons.
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Speaker 3: Half the benefit of the pizzas that's someone's bringing it
5:00
Speaker 3: to me. But I don't have to put shoes on.
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Speaker 4: I mean, maybe look into getting it delivered direct from
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Speaker 4: the company. But firstly, Uber Eats adds on, like the
5:08
Speaker 4: passes are higher, you pay the search arge the delivery.
5:10
Speaker 2: I didn't say you weren't smarter than me.
5:12
Speaker 5: You are.
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Speaker 2: I am lazier than you.
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Speaker 4: The other thing is a lot of the time I'll go, ah,
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Speaker 4: I can't be bothered going out to get the pizza.
5:19
Speaker 4: I guess I'll just make something at home, and so
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Speaker 4: I end up not buying the pizza anyway.
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Speaker 3: Yeah, we're having toast, and do you know what toast
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Speaker 3: is sometimes a very logical dinner.
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Speaker 2: I think girl dinner is totally acceptable, one hundred percent.
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Speaker 4: But those are a couple of little ones that I have.
5:34
Speaker 4: I feel like you maybe have a couple of your
5:36
Speaker 4: own unhinged hacks when.
5:38
Speaker 3: My husband's not home, Like there's no Uber Eats, so
5:42
Speaker 3: like I can't order takeout if I'm just ordering it
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Speaker 3: for myself, because like I feel like that adds up.
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Speaker 3: And as we said before, I'm literally happy to eat
5:50
Speaker 3: whatever's in the fridge. Like girl dinner could be some
5:53
Speaker 3: leftover uce, it could be an egg, it could be toast.
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Speaker 3: The other day my husband was out and I had
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Speaker 3: nutral grain for dinner, and you know what, I did
6:00
Speaker 3: the job. But I'm ten out of ten on board
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Speaker 3: with that. The one thing that I would say has
6:07
Speaker 3: like a small thing quote that has changed my money
6:10
Speaker 3: habits is just I automate everything, and yes, it's in
6:13
Speaker 3: my budget already and I track it that way. But like,
6:16
Speaker 3: if I've decided that I'm saving for Christmas, So if
6:18
Speaker 3: I've decided that I'm saving for a holiday, Like I
6:22
Speaker 3: work backwards, so you know, I went to Bali recently
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Speaker 3: and I wanted some extra spending money, and like I
6:29
Speaker 3: knew that we're going for months because we're going for
6:31
Speaker 3: a wedding. So like when you in advance, I actually
6:34
Speaker 3: just automated a transfer and you can like set timers
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Speaker 3: on it, so you don't even have to go in
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Speaker 3: and cancel your timer or like your transfer. You can
6:42
Speaker 3: just be like, okay, for the next ten months, transfer
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Speaker 3: fifty dollars to this account every week or every month
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Speaker 3: or whatever. And like for me, just having money allocated
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Speaker 3: for a specific purpose makes me feel really in control.
6:55
Speaker 2: I think it's pretty common knowledge.
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Speaker 3: That I have ADHD and I feel like if it
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Speaker 3: goes in one ear, it's kind out the other and
7:00
Speaker 3: I'll just forget to do stuff.
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Speaker 2: Automating bills has been really powerful for me.
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Speaker 3: So on our electricity, it's never consistent, right, So what
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Speaker 3: I did is work out what our annual amount was,
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Speaker 3: divide it by the amount of months, so twelve, and
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Speaker 3: then I just automatic transfer.
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Speaker 2: I think it's like ten dollars more than what we
7:22
Speaker 2: think it's going to be.
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Speaker 3: And then at the end of the year, like we
7:25
Speaker 3: do our audit, because, as you guys know, we do
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Speaker 3: an annual audit of all of our finances as everyone should,
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Speaker 3: I believe, and we might find out that we're actually
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Speaker 3: like fifty dollars or something in credit to our gas
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Speaker 3: or electricity company, and that means.
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Speaker 2: That I feel really in control. But I also didn't
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Speaker 2: ever have to go and pay bill. Sorry, I'm lazy.
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Speaker 3: I'm going to make it as easy as possible for me,
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Speaker 3: so that works, and where possible, I'm trying to make
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Speaker 3: sure that I just have some like back up lazy
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Speaker 3: meals in the freezer in saying that nutri grain worked too.
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Speaker 3: Don't go and get a meal that you're like, Oh,
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Speaker 3: put that in the free is my backup. Go you're
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Speaker 3: gonna get pizza. Put something in the freezer that you're like, Oh,
8:05
Speaker 3: if I wanted to get takeaway this muscle and curry,
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Speaker 3: I would happily eat.
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Speaker 4: Yeah, as a good little alternative. Well, on the Facebook thread,
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Speaker 4: Amara has taken your lazy meal concept and turbocharge because
8:16
Speaker 4: like I'm boring, she said, I've put a list of
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Speaker 4: twenty plus meals on the fridge and I'm not allowed
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Speaker 4: to eat takeout until absolutely every option has been used up,
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Speaker 4: and that's really working. Excuse me, genius. I know she
8:30
Speaker 4: had a lot of options can be made multiple times
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Speaker 4: due to how easy and low cost to the ingredients are.
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Speaker 3: And I feel like if you can make up a
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Speaker 3: few meals from just like pantry staples or items, you
8:41
Speaker 3: can make sure that you've always got like a can
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Speaker 3: of tomatoes on your grocery list if you go out
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Speaker 3: and like, I'm sorry, tomato pasta Elite.
8:50
Speaker 2: Bring back the.
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Speaker 4: Recipe book, I say. I remember my mum had like
8:53
Speaker 4: a It was just a paper book where she'd put
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Speaker 4: recipes that she cut out of magazines and stuff in
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Speaker 4: the day. Obviously we can modernize that and you can
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Speaker 4: save them on a computer or have a photo organ
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Speaker 4: Now I want the book. I save my Molly Spoon
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Speaker 4: recipes and if.
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Speaker 2: They're good, I've got a draw in my kitchen and
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Speaker 2: I put the good ones in there.
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Speaker 3: Yeah.
9:11
Speaker 4: I have like one of those binders with the clear
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Speaker 4: plastic and I just slide them into that.
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Speaker 3: That's more organized than me maintain a pile in the
9:17
Speaker 3: bottom drawer with everything else in the batteries.
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Speaker 4: But I feel like Amaya is on it like half
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Speaker 4: the time. Not wanting to cook. I feel the decision fatigue.
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Speaker 4: So if you've got the ingredients, you've got the recipes
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Speaker 4: that you like, I feel like that's a little bit
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Speaker 4: of a money win.
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Speaker 3: I do low key feel like that's really smart and
9:31
Speaker 3: just having quick meals. Also on our website, I've said
9:34
Speaker 3: this time and time again. We worked with ten dollar
9:37
Speaker 3: meals with Chelsea and she is an angel. But there's
9:40
Speaker 3: a free ebook on our website, so you could meal
9:43
Speaker 3: prep a couple of those, chuck them in the freezer. Sorry,
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Speaker 3: ten dollar meals.
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Speaker 2: That serve four people, that's insanity. Money win, all right,
9:51
Speaker 2: I think it's time we take a really quick break.
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Speaker 3: But guys don't go anywhere, because after this we're going
9:55
Speaker 3: to dive into even more clever habits from our community.
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Speaker 3: Some of these tips, I would say they are relatively simple,
10:01
Speaker 3: but the impact is going to be long lasting, So
10:05
Speaker 3: guys don't go anywhere. All right, Jess, we are back,
10:11
Speaker 3: and I feel like we're going to dive into the
10:12
Speaker 3: juiciest stuff. It's the small habits that can have a
10:15
Speaker 3: big impact on your finances. And I don't like to
10:18
Speaker 3: pay favorites, but as an ex financial advisor, this first
10:22
Speaker 3: one I think might be a favorite, so Kate said,
10:26
Speaker 3: and get this, like you're going to see lights in
10:28
Speaker 3: my favorite. I've been salary sacrificing a very small amount
10:32
Speaker 3: to super from the age of twenty one, despite three
10:35
Speaker 3: point five years of maternity leave and over a decade
10:38
Speaker 3: of working part time. I have a superbalance that's higher
10:42
Speaker 3: than my partners, who earns now almost four times my salary.
10:46
Speaker 4: Oh my god, that's amazing. What the heck, that's crazy.
10:49
Speaker 3: All things that make a big difference, Like if you're
10:51
Speaker 3: listening to this and you're a baby, so like I
10:54
Speaker 3: consider anybody under the age of thirty.
10:56
Speaker 2: To be a baby.
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Speaker 4: I just had a picture of like a literal child
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Speaker 4: with headphones off like a fetus.
11:01
Speaker 2: I'm sorry.
11:02
Speaker 3: I don't repost these because, like I think everybody knows,
11:05
Speaker 3: I don't like putting kids on my stories or sharing them.
11:08
Speaker 2: Not because I don't love your kid videos.
11:10
Speaker 3: Please continue to send them because they are so soul nourishing,
11:13
Speaker 3: But the amount of people that send me videos.
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Speaker 2: Of their little kids going, sheeez on the fine, she's
11:20
Speaker 2: on the money.
11:21
Speaker 3: Ah, I love it, Like, can you imagine the impact
11:25
Speaker 3: that we're gonna have justs in like fifteen years when
11:28
Speaker 3: these little kids have just like subconsciously been absorbing finance
11:32
Speaker 3: content in the cars.
11:34
Speaker 2: I don't mean those babies. I love them arguably a lot.
11:37
Speaker 3: But if you're under the age of thirty and you
11:40
Speaker 3: have a few extra dollars, why not put it towards
11:43
Speaker 3: future you? And then this is another one. Eleanor said
11:47
Speaker 3: she did this too. Between the ages of nineteen and
11:50
Speaker 3: twenty three. She was putting an extra thirty five dollars
11:53
Speaker 3: a week into her SUPER and now she has more
11:55
Speaker 3: than double what is normal for her age.
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Speaker 4: It's insane to hear, like how signals thick and the
12:00
Speaker 4: impacts can be with the power of compounding interest.
12:03
Speaker 2: Yeap from little things, big things grow.
12:05
Speaker 3: It's like, sorry, yes, I know that some of us
12:07
Speaker 3: can't afford thirty five dollars, but if you can, that
12:10
Speaker 3: could be life changing.
12:11
Speaker 4: Yeah even five dollars ten dollars.
12:13
Speaker 3: From my perspective and also just logically, super is one
12:17
Speaker 3: of the most powerful tools jes that you've got where
12:20
Speaker 3: small changes can make a really big difference, things like
12:23
Speaker 3: picking the right risk profile for you, consolidating multiple accounts,
12:27
Speaker 3: or even just checking your fees. It doesn't cost you anything,
12:30
Speaker 3: but they can seriously boost your balance over time. I
12:33
Speaker 3: would say it's one of the easiest ways to set
12:35
Speaker 3: future you up for success.
12:37
Speaker 4: Such a good one. I have a little hack from
12:39
Speaker 4: Katie who said she pays everything weekly. She's got a
12:43
Speaker 4: spreadsheet of everything from council bills to insurances, and she
12:48
Speaker 4: calculates what the weekly amount would be and then either
12:51
Speaker 4: puts it in the account that it gets drawn from
12:53
Speaker 4: if it's a direct debit, or she will send the
12:56
Speaker 4: weekly amount.
12:57
Speaker 2: Yeah, and you can like automate that.
12:59
Speaker 3: So like, because I'm the queen of being lazy, Like
13:02
Speaker 3: I cannot imagine anything worse than having to every single
13:06
Speaker 3: week go in and pay my bills. Not gonna lie,
13:09
Speaker 3: that's just not my journey. But as I told you earlier,
13:12
Speaker 3: like I have it transferring every week. So like I
13:15
Speaker 3: go in and I set it up once and like
13:18
Speaker 3: you might go, okay, cool, I'll just have this end
13:20
Speaker 3: at the end of the year. Or you can go
13:22
Speaker 3: in and change any of your direct debits or like
13:25
Speaker 3: quick transfers, but like, sorry, that's genius. We also had
13:29
Speaker 3: a few people say that using cash or buying gift
13:33
Speaker 3: cards on sale for future use has been helping their budget.
13:36
Speaker 4: Yes, the gift cards is a good one because you
13:38
Speaker 4: can often get through Coals. Coals Willies both do it
13:41
Speaker 4: YEA their respective points earning platforms, but they'll often do
13:44
Speaker 4: twenty times points on gift cards. It's so smart, and
13:47
Speaker 4: I've seen a lot of people say, well, I'll buy
13:49
Speaker 4: like a five hundred dollars Coals gift card twenty times
13:53
Speaker 4: points on five hundred dollars.
13:55
Speaker 3: I'm gonna spend five hundred dollars this month on Grey Points.
13:58
Speaker 3: Is that right?
13:59
Speaker 1: Yes?
13:59
Speaker 2: I was good Mas girl.
14:01
Speaker 4: Thank you. I'm really trying. Did you eat?
14:03
Speaker 5: Like?
14:03
Speaker 4: If you're going to spend it anyway, you can get
14:04
Speaker 4: grocery gift cards, Uber Eats gift cards. If you ask
14:07
Speaker 4: some one who does the occasional cheeky order gift cards
14:10
Speaker 4: like the Good Guys and stuff like that calls my
14:11
Speaker 4: gift cards to give us gifts, stuck up on them.
14:14
Speaker 4: Get the points. You might as well then use the
14:16
Speaker 4: points to buy your groceries or.
14:17
Speaker 3: Use the points come Christmas time and it'll feel like
14:20
Speaker 3: you've saved.
14:21
Speaker 2: For Christmas money win.
14:24
Speaker 3: Also on that, whenever I talk about credit cards and points,
14:29
Speaker 3: I want to be really clear you don't have to
14:31
Speaker 3: have a credit card to accrue points. No, you can
14:33
Speaker 3: do flybys, you could do whatever the woolies rewards. You
14:37
Speaker 3: can do so many different points systems without a credit card. Like,
14:40
Speaker 3: we're not here going get a credit card. It's great
14:42
Speaker 3: for everyone because past me could not be trusted with
14:45
Speaker 3: a credit card. In fact, when I got one, I
14:48
Speaker 3: got in a whole heap of personal debt fail like
14:51
Speaker 3: not very good. But now I have a credit card
14:54
Speaker 3: and my husband and I use it responsibly for points.
14:58
Speaker 3: Whenever we're thinking about like changing credit cards, which you know,
15:02
Speaker 3: the credit card companies aren't going to want to hear
15:04
Speaker 3: this jest, but every single time they're like, period comes up,
15:08
Speaker 3: so like you might need to have that credit card
15:10
Speaker 3: for two years to lock in your like bonus points
15:13
Speaker 3: at the start. Sorry, I'm moving credit cards because I
15:16
Speaker 3: want my additional one hundred thousand dollars sign up bonus. Yeah,
15:20
Speaker 3: and I'm using the points hacking website to work out
15:23
Speaker 3: what works for me. I don't think it's any secret
15:25
Speaker 3: in the shees on the money community that I collect
15:27
Speaker 3: Virgin and Velocity points. So like I always find a
15:30
Speaker 3: credit card that has a really good amount of like
15:33
Speaker 3: Bonus Velocity points and then basically work out the fees,
15:37
Speaker 3: work out what's going on and whether that works for us,
15:39
Speaker 3: and I'll probably sign up to that one.
15:41
Speaker 2: The one thing I would say is if.
15:43
Speaker 3: You are going to get into your points era and
15:45
Speaker 3: start collecting points, some of them have capped points per month.
15:49
Speaker 3: Most of us actually have monthly expenses more than two
15:52
Speaker 3: thousand dollars, but they might say, oh, you can only
15:55
Speaker 3: collect points on the first two thousand dollars spare, so
15:57
Speaker 3: just make sure that it suits you. But like, sorry,
16:01
Speaker 3: I'm collecting points and then using them at Christmas time.
16:04
Speaker 4: Absolutely, And if you want more infra, we we did
16:06
Speaker 4: the two of us. I was on the episode which Genius.
16:08
Speaker 2: Says basically sucking so exactly.
16:11
Speaker 3: The other thing that I saw coming up a few
16:13
Speaker 3: times Jess was people saying that they have no spend
16:17
Speaker 3: days or like no spend months, which, by the way,
16:20
Speaker 3: that's probably a little bit much for me, but like
16:22
Speaker 3: I could do a no spend week, I could do
16:24
Speaker 3: a no spend two weeks.
16:26
Speaker 4: Every time someone says they're doing a no spend month
16:28
Speaker 4: or longer, I'm so impressed.
16:30
Speaker 3: That's like Emma Edwards from the Brooke generation adore her.
16:34
Speaker 3: She banned herself for an entire year from buying new
16:37
Speaker 3: clothes and shoes and stuff.
16:39
Speaker 2: I'm so sorry. I respect that so much. You go
16:43
Speaker 2: follow her. She's a genius. Couldn't be me.
16:46
Speaker 4: It was so fun to watch her do it though,
16:48
Speaker 4: and like she did a lot of post tooy about
16:50
Speaker 4: her takeaways and stuff. It was really interesting.
16:52
Speaker 2: But I've been talking about doing it again. Yeah girl,
16:55
Speaker 2: are you Delulu? I love you so much?
16:57
Speaker 3: But like also, I could never be me, But like
16:59
Speaker 3: that's the best thing, right, we can learn from other people.
17:01
Speaker 2: And I go, do you know what? I could probably
17:03
Speaker 2: do that for a week or so.
17:04
Speaker 4: Yeah, shrink it down.
17:05
Speaker 2: Whatever she's exactly.
17:07
Speaker 3: The next thing is a very helpful tip for one
17:09
Speaker 3: of what I would say is the biggest money leaks
17:11
Speaker 3: we have these days.
17:12
Speaker 2: Subscriptions. Oh yes, so Vicki said.
17:15
Speaker 3: And I thought this was genius because like, also, if
17:18
Speaker 3: you're a little bit nearest by sea like me, you
17:19
Speaker 3: set up subscription, you already forgot you set up the subscription.
17:23
Speaker 3: But she said, if she sets up a new subscription,
17:25
Speaker 3: like she signs up to like Disney or Netflix or
17:27
Speaker 3: something for her business like docu sign she'll always cancel
17:31
Speaker 3: it immediately, so like the same day, because it'll still
17:35
Speaker 3: be valid for the month you paid for for those
17:38
Speaker 3: thirty days, but it won't automatically pay for it again.
17:42
Speaker 3: And then if she really likes it and it comes up, oh,
17:45
Speaker 3: your subscriptions lapsed. Good reminder, she goes, yeah, I did
17:49
Speaker 3: want to continue that. So she goes and signs up
17:51
Speaker 3: for another month.
17:52
Speaker 4: Yeah.
17:53
Speaker 3: But if you get the pop up and it says
17:54
Speaker 3: your subscription's canceled and you're like, weh, you get out
17:57
Speaker 3: of it. Sorry, you didn't even have to do any work.
18:00
Speaker 3: You're saving money.
18:00
Speaker 4: That's so there's definitely been many a like random I
18:04
Speaker 4: would say, like a work thing, or like do you
18:05
Speaker 4: sign up? You're like, oh, I really need this one
18:07
Speaker 4: app for this one task, you sign up, you forget about,
18:10
Speaker 4: and then a month later you go, what do you mean?
18:13
Speaker 3: Yeah, it happens to us all the time, and like,
18:17
Speaker 3: you know, maybe not that relatable, but like, if you're
18:19
Speaker 3: a business owner, do an audit because I found out
18:22
Speaker 3: recently you have an Adobe subscription. Brook has an Adobe subscription.
18:27
Speaker 3: As it turns out, we could have shared a business one,
18:30
Speaker 3: so we might be going and changing all of that
18:33
Speaker 3: soon because I realized maybe we have a few little
18:35
Speaker 3: money leaks with our own nobody's perfect. But I also
18:39
Speaker 3: didn't know that we all use this particular software anyway,
18:43
Speaker 3: so silly, and I think a lot of people think
18:45
Speaker 3: if you cancel a subscription, it actually finishes right away.
18:49
Speaker 3: But as always I would be checking the t's and c's.
18:52
Speaker 3: But you will generally retain access to that service or
18:56
Speaker 3: that content until the end of the current billing cycle
18:58
Speaker 3: because you're already paid for it, And.
19:00
Speaker 4: A lot of platforms will offer a retention bonus too,
19:03
Speaker 4: so they might you might get an email saying, oh,
19:04
Speaker 4: your subscription is about to cancel, but if you come back,
19:07
Speaker 4: we'll give you twenty percent off.
19:09
Speaker 2: Sorry, I'm going to do that every month if that's
19:11
Speaker 2: the case. I like, that's genius.
19:14
Speaker 4: Next, I've got a really smart app, Suggestion Love. Alissa
19:18
Speaker 4: Jane said using the Sorted app to make wish lists
19:21
Speaker 4: of items she once or likes has really helped her
19:24
Speaker 4: put at least twenty four hours between her and her spending.
19:27
Speaker 2: Which she's on the Morning Colt status.
19:29
Speaker 4: Absolutely, she said, it's super simple to share with friends
19:32
Speaker 4: and family come Birthday or Christmas, time as well, because
19:35
Speaker 4: when everyone asks what you want, you can just send
19:37
Speaker 4: them a link to the list.
19:38
Speaker 2: That's actually genius and it's a really good.
19:40
Speaker 4: Way to keep track of things. Ada Lisa said, put
19:43
Speaker 4: some distance between you and your spending, but also like
19:46
Speaker 4: keep a track of price changes. That tells you when
19:48
Speaker 4: the price goes up too, so you can keep it.
19:50
Speaker 2: Put like homewares and stuff on it. Absolutely rely.
19:52
Speaker 4: I've got that stuff from myer on there. Stop it
19:55
Speaker 4: like any website pretty much.
19:56
Speaker 3: That you I'm like in my homewere era, I'm fantasized
20:00
Speaker 3: and looking at all these things on Instagram being like,
20:02
Speaker 3: oh I love that in my new house, I'd love this.
20:04
Speaker 2: I'm actually going to go get that because I feel
20:06
Speaker 2: like that's what I want.
20:07
Speaker 4: I couldn't agree more. Fear is another great app. It
20:10
Speaker 4: was made by Bill Gates's daughter, Phoebe Gates, a little
20:12
Speaker 4: Nepo baby shore out. It gives you the best price
20:15
Speaker 4: for an item and it includes secondhand options okay, which
20:18
Speaker 4: we love.
20:19
Speaker 2: Thank you Nepper Baby. We love that.
20:21
Speaker 3: And another app that I love that is not as
20:24
Speaker 3: smart as the ones that you've mentioned, so maybe I
20:26
Speaker 3: need to move is called wearing so wher ing. My
20:31
Speaker 3: girlfriend Hannah and I use this, and you can keep
20:34
Speaker 3: track of items you already own, so like I kind
20:37
Speaker 3: of had a catalog, and I need to be better
20:38
Speaker 3: at this or than like actually uploading everything. But you
20:41
Speaker 3: can catalog all of your items and then like recreate
20:44
Speaker 3: outfits and understand what's in your wardrobe, so that when
20:47
Speaker 3: you're shopping you can kind of go Victoria. You actually
20:50
Speaker 3: already have a navy jumper with a collar. You don't
20:52
Speaker 3: need another one of those, and that can be really helpful.
20:56
Speaker 2: Now I've got.
20:56
Speaker 3: Another one here, and this is from our friend Alice says,
21:00
Speaker 3: my bank has the option to set up spendable or
21:04
Speaker 3: available account STATUSIST, so there might be like three thousand
21:08
Speaker 3: dollars sitting in her account. But if my spendable amount
21:11
Speaker 3: that she's said is only seventy dollars, her brain says
21:14
Speaker 3: two porter shop and she's less likely to attempt to
21:17
Speaker 3: play like musical money, like justify a purpose.
21:20
Speaker 2: So I thought that was I don't even know that
21:23
Speaker 2: was a thing.
21:24
Speaker 3: I don't know which bank that is, but I'm going
21:26
Speaker 3: to do some research because I feel like I need that.
21:29
Speaker 3: Another one is from our friend Chelsea, and she said
21:32
Speaker 3: that one of her bank features that she likes to use.
21:35
Speaker 3: I think this is up bank is a three hour lock.
21:38
Speaker 3: So like, if she's feeling spendy and she's like, no,
21:41
Speaker 3: I don't want to do it, and she's fighting with herself,
21:43
Speaker 3: she locks down her bank for three hours, she can't
21:45
Speaker 3: spend it. She has to put three hours between her
21:47
Speaker 3: and spend it.
21:49
Speaker 4: Forced saving.
21:50
Speaker 2: Do you know what some of us need?
21:51
Speaker 1: It?
21:51
Speaker 3: Totally not gonna lie, Like some of us are quite impulsive, Jess,
21:56
Speaker 3: And you know what, banks are actually getting smarter, but
21:59
Speaker 3: for us, so I think for a long time it
22:02
Speaker 3: was all about them promoting spending money, whereas now they're
22:05
Speaker 3: kind of seeing a lot of the features and benefits,
22:08
Speaker 3: if they're related to us saving, are quite attractive and
22:11
Speaker 3: we might move to their bank. So banks are getting
22:13
Speaker 3: smarter and have a heap more features that actually help
22:16
Speaker 3: you get on top of your money. Like I was
22:18
Speaker 3: looking at my banking app the other day, and you
22:20
Speaker 3: guys know my bank with NAB and I didn't realize
22:23
Speaker 3: how many features and benefits they're added to their app.
22:25
Speaker 3: And I actually need to do a little bit more
22:27
Speaker 3: research and see how they can work for me.
22:29
Speaker 2: Yeah, it's really.
22:29
Speaker 4: Cool to see so many more features rolling out. Some
22:32
Speaker 4: you can even put in your payday so that they
22:34
Speaker 4: can then work out what your upcoming payments are and
22:37
Speaker 4: then you can work out your spendable and available amounts
22:40
Speaker 4: from there. Some of them, my bank recognizes regular debits
22:44
Speaker 4: and we'll say, hey, in you seven days, we're expecting
22:47
Speaker 4: a debit from Spotify, and so it's very stop. All
22:51
Speaker 4: of these features, I feel like we can really start
22:53
Speaker 4: to utilize to build out, you know, a more clever
22:56
Speaker 4: way of managing our money.
22:57
Speaker 3: Yes, this is why we don't have a Sheese on
22:59
Speaker 3: the Money app, because like, can you imagine the time
23:01
Speaker 3: and energy and effort that it would take to organize
23:04
Speaker 3: this when your bank's already doing it.
23:06
Speaker 4: They're already all over and I would argue that bank
23:07
Speaker 4: is probably better. Should we move on to one of
23:12
Speaker 4: the biggest money drainers though absolutely a moment.
23:16
Speaker 2: Groceries the surprise the community.
23:19
Speaker 4: Had some really great money saving hacks. Marissa said she
23:22
Speaker 4: basically only buys cleaning, toilet trees, household stuff, pantry items,
23:27
Speaker 4: and treats when they're half priced.
23:29
Speaker 3: I do this, I do this. I feel like sometimes
23:33
Speaker 3: I'm like Victoria, you can afford it. But I'm like, sorry,
23:35
Speaker 3: sprain wipe in my head. That's a luxury. Yeah, absolutely,
23:39
Speaker 3: it's only happening, yeah if it's half rice.
23:41
Speaker 4: But Marissa said her kids and her husband would always
23:44
Speaker 4: feast on the treats as soon as they saw them.
23:46
Speaker 4: So she now has a little tub in the shed
23:48
Speaker 4: that she hid the I don't know about it. She
23:50
Speaker 4: keeps it filled up with all of the half priced
23:52
Speaker 4: treats and the school snacks and then she just rations
23:54
Speaker 4: them out.
23:55
Speaker 2: Do you know what that is the thing?
23:57
Speaker 3: So like in our house, we and as you know,
24:00
Speaker 3: like I used to be a bit of a like
24:02
Speaker 3: from scratch household, Like I always had my Maley spoons
24:06
Speaker 3: and like the meals maybe like a big tub of
24:09
Speaker 3: yogurt or something. So if you came to my house
24:10
Speaker 3: and you were like, oh, I'm hungry, I'd be like, oh,
24:12
Speaker 3: got some yogurt or some fruit. I could put it
24:14
Speaker 3: together like a snack for you and you'd be like great.
24:16
Speaker 3: But like now I've got a baby in the house. Yess,
24:19
Speaker 3: I've got snacks coming out the kazoo. Like I have
24:23
Speaker 3: fruit bars, I have musley bars. I have six million
24:26
Speaker 3: different types of rice cracker. I'm sorry, those are for
24:29
Speaker 3: my baby. Why does my husband consumable? Why does he
24:33
Speaker 3: just go to the baby draw and take out one
24:35
Speaker 3: of those like little fruit roll up things. Sorry, that's
24:38
Speaker 3: not for you, that was bought for the baby. And
24:41
Speaker 3: he's like, oh, well, I need as a snack.
24:43
Speaker 2: Sorry.
24:43
Speaker 3: But the years we lived together without buying snacks and
24:47
Speaker 3: things like that, you were fine.
24:49
Speaker 2: Yeah, we need a fruit bar.
24:52
Speaker 4: No, the temptation I think is getting him. Sharon said
24:55
Speaker 4: she does the same, except she buys half priced at
24:57
Speaker 4: Woolies or Coals when they have a spend fifty dollars,
25:00
Speaker 4: get fifteen dollars off promos.
25:02
Speaker 2: Yeah, she's so smart.
25:03
Speaker 4: Half price and then basically another thirty percent off on
25:05
Speaker 4: top of that, which is very clever.
25:07
Speaker 3: Yeah.
25:07
Speaker 4: And then Patients says she saved on meat by knowing
25:10
Speaker 4: when her butcher puts the clear and stickers on. Well,
25:13
Speaker 4: that's every Sunday. So she makes sure that she like
25:15
Speaker 4: plans her shop around the times when she knows it's
25:18
Speaker 4: going to be discounted.
25:19
Speaker 3: That's like someone and it wasn't from this thread a
25:21
Speaker 3: while ago. She's like, I have worked out when the
25:23
Speaker 3: rotisserie chickens get marked down, and I've never paid more
25:27
Speaker 3: than five bucks for a chicken, and I'm like, you're
25:29
Speaker 3: a genius.
25:30
Speaker 2: It is so cool, well, actually a genius.
25:32
Speaker 3: We also had a few community members saying looking outside
25:35
Speaker 3: of supermarkets was smart for like cleaning products because it
25:39
Speaker 3: can mean really big savings. So I kind of knew this, but.
25:42
Speaker 2: Don't utilize it as much as I should.
25:45
Speaker 3: They're like Bunning's big w The Reject Shop and even
25:49
Speaker 3: like agricultural trading stores were all mentioned as having very
25:53
Speaker 3: cheap cleaning products.
25:55
Speaker 2: And like Jess, you and I are quite big fans
25:56
Speaker 2: of the Reject Shop.
25:57
Speaker 4: I love a little reject shop shop.
25:59
Speaker 2: I love getting like my omer washing machine pods and
26:02
Speaker 2: stuff there.
26:03
Speaker 3: It's always just so much cheaper, and I feel like, sorry,
26:07
Speaker 3: they are unnecessarily expensive they carry.
26:11
Speaker 4: This is a public plea to if anyone works at
26:14
Speaker 4: the Reject Shop, specifically in buying. They occasionally carry my
26:19
Speaker 4: favorite cleaning product of all times. You used to sell
26:21
Speaker 4: it cold. You can't get anymore. It's the brand is Fairy.
26:24
Speaker 4: It's a little bottle spray. It's like a deer greaser. Yeah,
26:29
Speaker 4: if you own an air fryer, this thing will change
26:31
Speaker 4: your life when it shows up at my rejech shop.
26:33
Speaker 4: I am buying the whole tray, but I haven't seen
26:36
Speaker 4: it in a few months and I'm very sad about it.
26:38
Speaker 2: So keep an eye out anyone.
26:40
Speaker 4: Yeah, check your rejex shops, and if anyone works at
26:42
Speaker 4: the redient shop, please love of God.
26:43
Speaker 3: Bring them back all of my dish washing tablets. My
26:46
Speaker 3: like dishwashing liquid. Not that you guys actually care, but
26:49
Speaker 3: I always buy the Fairy brand because I feel like
26:52
Speaker 3: they're just as good. But they are also always cheaper
26:55
Speaker 3: at coals and woolies and stuff when you're buying it,
26:58
Speaker 3: and I feel like sometimes you're just not willing to
27:00
Speaker 3: try a new brand because you're like, oh, I'm just
27:02
Speaker 3: gonna use the finish ones because like I don't want
27:04
Speaker 3: to mess with my dishwasher. Sorry, the Fairy brand is good.
27:07
Speaker 3: They often go on sale, and they are oodles cheaper
27:10
Speaker 3: than any other brand.
27:11
Speaker 2: Sorry. Also a cute name, so cute, so cute.
27:15
Speaker 3: I feel like this has been a really fun episode
27:17
Speaker 3: to do, but I also think it's a great place
27:19
Speaker 3: to leave it. So if this episode gave you a
27:22
Speaker 3: few ideas to try, or maybe made you think about
27:25
Speaker 3: your habits a little bit differently. We would love it
27:27
Speaker 3: if you hit subscribe, leaving a little quick review, or
27:31
Speaker 3: please send it to a friend who might also get
27:33
Speaker 3: value out of this. It really does help us reach
27:36
Speaker 3: more people and grow our community, and I feel like
27:38
Speaker 3: we just are better together.
27:41
Speaker 2: Like sorry, did anyone ever say that more friends were worse?
27:44
Speaker 1: No?
27:44
Speaker 3: We want more money friends. I want to have more
27:46
Speaker 3: money conversations. Anyway, have a good day, my friends, and
27:49
Speaker 3: we will see you bright and early on Friday morning
27:52
Speaker 3: for a Friday.
27:52
Speaker 2: App Hi guys.
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