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Rich In Life Formula To Not Overpaying · Two Broke Chicks

• 0:00
  Speaker 1: This podcast is recorded on gadigal Land, Always was, always
• 0:03
  Speaker 1: will be Aboriginal Land. This episode is brought to you
• 0:07
  Speaker 1: by Finder from savings, accounts and phone plans to insurance,
• 0:10
  Speaker 1: internet and more. Why settle for just a good deal
• 0:13
  Speaker 1: when you can get a reward on top? Hey chicks,
• 0:23
  Speaker 1: I'm sal and I'm out and this is two broke
• 0:25
  Speaker 1: chicks to show that shares life lessons and tips to
• 0:27
  Speaker 1: help make you rich in life and welcome. In today's episode,
• 0:32
  Speaker 1: we are jumping in your ear holes with a special
• 0:34
  Speaker 1: little bonus episode on the rich in Life formula to
• 0:38
  Speaker 1: not over paying.
• 0:40
  Speaker 2: Yes, and I'm locked in because there is nothing that
• 0:44
  Speaker 2: I hate more.
• 0:45
  Speaker 3: Yeah, honestly, even by ten dollars, it gives you the
• 0:48
  Speaker 3: ick For myself, nothing grinds my gears more, especially even
• 0:52
  Speaker 3: if it's like buying a.
• 0:54
  Speaker 4: Dress online and then two weeks later it's on sale
• 0:57
  Speaker 4: and I'm like or just seeing it immediately at the
• 1:00
  Speaker 4: same place, and I'm like, I hate myself.
• 1:02
  Speaker 3: Yeah, totally, And I think that's a pretty universal feeling.
• 1:05
  Speaker 3: So we're going to be sharing some of the common
• 1:07
  Speaker 3: ways that you may be forking out more cash than
• 1:09
  Speaker 3: you need to, and some tips and tricks and habit
• 1:12
  Speaker 3: swaps to hopefully save some MOREA.
• 1:14
  Speaker 4: Yeah, these are the ways that you could be over
• 1:16
  Speaker 4: paying without even realizing. Scary Sours actually had a little
• 1:24
  Speaker 4: ghost haunting her recently.
• 1:25
  Speaker 2: Yeah. Yeah, a ghost haunting you to buy address that
• 1:29
  Speaker 2: you wanted. I know the reason I was.
• 1:33
  Speaker 4: I was sending sol tests at like ten pm about
• 1:37
  Speaker 4: three times, pretending to.
• 1:38
  Speaker 2: Be the ghost. To be a ghost. Yes, I want
• 1:41
  Speaker 2: to do something. I'm just gonna haunt you.
• 1:42
  Speaker 4: Now.
• 1:43
  Speaker 3: It's as calm drinking with me. It works every time,
• 1:48
  Speaker 3: it does work. I don't want to upset the spirits.
• 1:50
  Speaker 2: Yeah no, you can't not do what ghost he says.
• 1:53
  Speaker 2: It's true.
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  Speaker 3: Okay, but before we get into the episode, as always,
• 1:56
  Speaker 3: a quick reminder that this isn't financial advice and all
• 1:59
  Speaker 3: tips are general, so make sure to do your research.
• 2:02
  Speaker 2: Chickies, Okay.
• 2:04
  Speaker 4: Number one, how you're overpaying the lazy tax.
• 2:08
  Speaker 2: That's son of a bitch.
• 2:10
  Speaker 4: My god, man, you've done it again.
• 2:13
  Speaker 2: You're son of a bitch. You've done it.
• 2:15
  Speaker 4: So some of you may have heard of this already.
• 2:18
  Speaker 4: It definitely does the rounds online.
• 2:20
  Speaker 2: But essentially, the.
• 2:20
  Speaker 4: Lazy tax is the tax that you're paying and a
• 2:24
  Speaker 4: financial penalty essentially for complacency, aka the extra money you
• 2:30
  Speaker 4: lose by sticking with the same providers or brands rather
• 2:34
  Speaker 4: than shopping around for a better deal. And absolutely this
• 2:38
  Speaker 4: is something that I have fallen victim too. I think
• 2:43
  Speaker 4: even the lazy tax can come into fruition by not
• 2:46
  Speaker 4: even double checking or questioning your bills sometimes because even
• 2:50
  Speaker 4: brands and providers get it wrong. You were overcharged for
• 2:53
  Speaker 4: your electricity by like a million dollars one time, and
• 2:56
  Speaker 4: you know it took you calling and being like hey girl,
• 2:59
  Speaker 4: like this is yeah kind of wild, and they're like, yeah,
• 3:02
  Speaker 4: that is a mistake. So even like taking that step
• 3:07
  Speaker 4: to be like I'm going to call and I'm going
• 3:08
  Speaker 4: to be like, what's up with this? Like a lot
• 3:10
  Speaker 4: of people akaa and me would be like.
• 3:12
  Speaker 2: Fuck, that's expensive. Oh well he go.
• 3:14
  Speaker 3: Paid, yeah, and just like cop it on the chin
• 3:16
  Speaker 3: and be like, oh, like the rates must have gone up.
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  Speaker 4: Yeah, other than that, because obviously that was unlazy.
• 3:22
  Speaker 2: Can you think of a time when you've paid the
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  Speaker 2: lazy tax?
• 3:25
  Speaker 3: Yes, when I was on my parents' health insurance, you know,
• 3:28
  Speaker 3: like your parents pay for your health insurance, but then
• 3:30
  Speaker 3: they take you off and then so I.
• 3:32
  Speaker 2: Just stay in the kick, get to the current. I know.
• 3:35
  Speaker 3: I was like Dad that it's like it's for your
• 3:39
  Speaker 3: own good. But yeah, So then I just stayed on
• 3:41
  Speaker 3: that plan for years, maybe like five years. And then
• 3:45
  Speaker 3: it was before I was going to get my wisdom
• 3:46
  Speaker 3: teeth and I desperately needed them out and I realized
• 3:49
  Speaker 3: my health insurance didn't cover it. I was paying for
• 3:51
  Speaker 3: a bunch of stuff that I wasn't using and didn't need,
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  Speaker 3: and was just like paying way more than I needed to.
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  Speaker 3: So then yeah, did some research and switch over, and
• 4:00
  Speaker 3: then I had to like also do the whole waiting
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  Speaker 3: period before I could get my wisdom taste. So I
• 4:05
  Speaker 3: was like, damn, I wish I'd done this earlier. But
• 4:08
  Speaker 3: it's a good reminder to stay on top of that stuff.
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  Speaker 4: I think sometimes now if you switch though, there are
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  Speaker 4: some providers that wave the waiting fees. So if you
• 4:17
  Speaker 4: have insurance and you switch insurance, I think, now you
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  Speaker 4: actually shouldn't.
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  Speaker 2: Get a waiting fee because you had insurance.
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  Speaker 3: Pretty sure, Yeah, double check, double check double and that
• 4:29
  Speaker 3: sometimes I that's a question to ask, at least when
• 4:32
  Speaker 3: you're doing it.
• 4:33
  Speaker 4: I think for me, mine was my phone bill my
• 4:37
  Speaker 4: phone plan that I'm like, I don't know.
• 4:40
  Speaker 2: What I do every month, but I am a data slot.
• 4:44
  Speaker 4: I am out here using data for this and data
• 4:47
  Speaker 4: for that.
• 4:48
  Speaker 2: I'm a hotspot queen. Yeah, you get a hot spot,
• 4:51
  Speaker 2: You get a hot spot. Everybody gets a hot spot. Yeah,
• 4:53
  Speaker 2: me too. Actually we're very generous with the hot spot.
• 4:56
  Speaker 2: Have you ever met a hot spot stinge? No, I haven't.
• 4:59
  Speaker 2: I have all the I'm dating one.
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  Speaker 4: Oh really Yeah, Robbie's a hotspot stinge, but he doesn't
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  Speaker 4: get that much data.
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  Speaker 2: Yeah.
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  Speaker 4: So if like internet ever goes down at home or
• 5:08
  Speaker 4: there's a storm or something like, oh, can you holt
• 5:10
  Speaker 4: spot the TV? And he's like, oh, I ten gigs
• 5:14
  Speaker 4: have donald.
• 5:15
  Speaker 2: I need more credit?
• 5:16
  Speaker 4: But yeah, no, but I have so much. I pay
• 5:19
  Speaker 4: for so much data that I was paying so much.
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  Speaker 4: And then anyway, I saw a deal literally with my
• 5:25
  Speaker 4: same provider that I was like, oh, well, let's just
• 5:29
  Speaker 4: twitch it up to that.
• 5:30
  Speaker 2: And I asked, and then he even gave me a
• 5:32
  Speaker 2: better deal because he was like, well, we've been with
• 5:34
  Speaker 2: us for ages. I can even do this and give
• 5:36
  Speaker 2: you one hundred gigs more. And I said, you've got
• 5:38
  Speaker 2: a deal.
• 5:39
  Speaker 3: But yeah, I think that phone plans is definitely a
• 5:42
  Speaker 3: common wine. I saw some research that said that the
• 5:45
  Speaker 3: average Australian uses around fourteen gigabytes of mobile data each month.
• 5:49
  Speaker 2: But then I know, I think I pay for like,
• 5:51
  Speaker 2: I think I get like two hundred and fifty. Yeah,
• 5:53
  Speaker 2: we're above average. Yeah, first time in my life. Yeah, exactly,
• 5:57
  Speaker 2: all for achiever. Yeah, my god, I'm about average for data.
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  Speaker 3: Yeah, but yeah, And in a Loyalty Tax report, a
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  Speaker 3: review of months to month mobile plans on Finder showed
• 6:09
  Speaker 3: that at least fourteen gigabytes of data found the average
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  Speaker 3: cost was around like forty two.
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  Speaker 2: Dollars for that kind of plan.
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  Speaker 3: But the average Australian is paying fifty four dollars for
• 6:19
  Speaker 3: their mobile plan, which means that the average person is probably.
• 6:24
  Speaker 2: Forking out more than they need.
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  Speaker 3: And yes, twelve dollars a month doesn't sound like much,
• 6:29
  Speaker 3: but that's one hundred and forty four dollars a year,
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  Speaker 3: and it's still that you're paying more than you need to.
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  Speaker 2: If it's one dollar or if it's one hundred dollars.
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  Speaker 4: Forty four dollars a year, is that's like a nice
• 6:39
  Speaker 4: din din Yeah seriously, Yeah, And that's yeah, And like
• 6:44
  Speaker 4: health insurance, I said at the start of the episode,
• 6:46
  Speaker 4: Sorry I interrupt you. I don't want to pay overpay
• 6:48
  Speaker 4: for anything, even if it's ten bucks.
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  Speaker 2: Yeah, totally.
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  Speaker 3: So we've spoken about health insurance mobile phone plans, but
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  Speaker 3: this can apply to so many different utilities that a
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  Speaker 3: Triple C also reported that households that had been on
• 7:01
  Speaker 3: the same electricity plan for more than three years are
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  Speaker 3: on average paying two hundred and twenty one dollars per
• 7:07
  Speaker 3: year more than those that have switched at the end
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  Speaker 3: of last year.
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  Speaker 2: So how can you say so?
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  Speaker 4: Number one, and probably most obviously, is reviewing your utilities
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  Speaker 4: and your providers. So like, compare your options and switch.
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  Speaker 4: There are also a lot of websites that do this
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  Speaker 4: for you. So you know how we sit here and
• 7:28
  Speaker 4: we search for like an hour for valid twenty percent
• 7:31
  Speaker 4: off code for Dish and none of them work. Then like,
• 7:35
  Speaker 4: take that energy and apply it to your bills, because
• 7:39
  Speaker 4: you might not be buying something online every single month,
• 7:43
  Speaker 4: but you're still putting in that time to get that
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  Speaker 4: twenty percent off.
• 7:45
  Speaker 2: Code, but you are paying for your bills every month.
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  Speaker 4: So true, So like change that energy and reapply it
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  Speaker 4: to here so you can do your own research, read reviews,
• 7:54
  Speaker 4: or use comparison sites to compare the options in one place.
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  Speaker 4: There are a lot of comparison sites that will often
• 8:00
  Speaker 4: have exclusive deals like Finder. They also do rewards, so
• 8:05
  Speaker 4: if you know that is an eligible plan that actually
• 8:08
  Speaker 4: does work well for you, you can get like cash back
• 8:10
  Speaker 4: in digital visa gift cards, as we mentioned in the
• 8:13
  Speaker 4: top of this episode. So I think that's a really
• 8:15
  Speaker 4: good thing to look into. There are also government websites
• 8:19
  Speaker 4: to check energy. There are also websites to check I
• 8:22
  Speaker 4: was doing this recently because I had the shits about
• 8:24
  Speaker 4: your like internet speed and if that matches what your
• 8:28
  Speaker 4: internet SPEEDE is supposed to be, and then you tell
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  Speaker 4: like how much you're paying for that, and it'll tell
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  Speaker 4: you whether you're overpaying or underpaying, which I.
• 8:35
  Speaker 2: Was like, yeah, hit me, yeah, and guess what as
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  Speaker 2: E paid.
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  Speaker 4: But if you also do like your current provider, like
• 8:42
  Speaker 4: if you're like, no, my electricity works, my internet's good,
• 8:46
  Speaker 4: and customer SERVI I don't want to switch, call them
• 8:49
  Speaker 4: and be like, well I'm got bluff and say I'm leaving.
• 8:53
  Speaker 2: What are you going to do for me? Joe? And
• 8:56
  Speaker 2: then Joe will give you a deal.
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  Speaker 4: They often have like these under the table offers that
• 9:02
  Speaker 4: people don't know about.
• 9:04
  Speaker 2: Because you've mentioned this to me before as well, that
• 9:07
  Speaker 2: I thought was such a good point.
• 9:08
  Speaker 4: That it's a lot more expensive to acquire a customer
• 9:12
  Speaker 4: as a company than to keep one, so by offering
• 9:14
  Speaker 4: you a discount, it just makes more sense for them
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  Speaker 4: cost wise.
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  Speaker 2: Yeah, do this with the gym as well.
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  Speaker 3: Yeah.
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  Speaker 4: The amount of times I've tried to cancel and they go,
• 9:22
  Speaker 4: oh right, well not ten dollars off, and I'm like,
• 9:24
  Speaker 4: damn it.
• 9:24
  Speaker 2: Fine. Yeah, yeah, still didn't go.
• 9:29
  Speaker 4: Oh my god, but it was only because I had
• 9:31
  Speaker 4: such a good deal and I was like, I'm never
• 9:32
  Speaker 4: gonna get that anywhere.
• 9:34
  Speaker 3: Yeah, the gym is a completely separate lazy tax, but
• 9:39
  Speaker 3: a lot.
• 9:39
  Speaker 4: Of us now a quick word from outh Bonsor of
• 9:48
  Speaker 4: today's episode Finder, A lot of people sit and forget
• 9:51
  Speaker 4: their bills, but some eligible deals actually come with cashback
• 9:54
  Speaker 4: rewards too. Finder Rewards has offers across categories like phone, internet, insurance,
• 9:59
  Speaker 4: and more, with cash back available through digital visa gift
• 10:02
  Speaker 4: cards on certain offers. Finder has already rewarded over one
• 10:07
  Speaker 4: million dollars and counting to Ozzie's.
• 10:10
  Speaker 3: So not only can you compare offers in one place
• 10:12
  Speaker 3: and potentially save You could get an extra reward for
• 10:16
  Speaker 3: being smart with your money.
• 10:17
  Speaker 2: Honestly, it's a win win. As always, this isn't financial advice.
• 10:22
  Speaker 3: Make sure to compare your options, check eligibility criteria, and
• 10:25
  Speaker 3: read terms and conditions before applying. Okay, step back into
• 10:28
  Speaker 3: the episode. Okay, moving on to the next way that
• 10:37
  Speaker 3: you're overpaying.
• 10:38
  Speaker 2: Idle savings.
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  Speaker 3: Yeah, so, idle savings refers to money that's not being
• 10:44
  Speaker 3: invested or is sitting in a low or no interest
• 10:47
  Speaker 3: savings account. So, according to Yahoo Finance, between inflation and
• 10:52
  Speaker 3: the rising cost of living, any savings account that earns
• 10:55
  Speaker 3: less than two or three percent is quietly losing value
• 10:59
  Speaker 3: over time.
• 11:00
  Speaker 2: Am I know?
• 11:02
  Speaker 3: So before I learned of this concept of idle savings,
• 11:05
  Speaker 3: or you know, had really learned about investing or like
• 11:08
  Speaker 3: putting your money into superannuation, I had always thought that
• 11:11
  Speaker 3: squirreling away money was a good thing, did you Yes?
• 11:15
  Speaker 4: Yeah, I was like, hey, savings.
• 11:18
  Speaker 2: Right, And I thought that that was always the goal.
• 11:20
  Speaker 2: And I do think that it is a good goal
• 11:22
  Speaker 2: to start with savings.
• 11:24
  Speaker 3: But that's the thing, like, if you have big chunks
• 11:28
  Speaker 3: of money sitting in and a savings account that has.
• 11:31
  Speaker 2: A low or no interest rate.
• 11:33
  Speaker 3: Then because the cost of things is going up, you're losing.
• 11:36
  Speaker 3: I actually think I'm falling into this bracket.
• 11:39
  Speaker 2: Yeah, you're losing by my bang. Yeah okay, so perfect timing.
• 11:44
  Speaker 3: Then how can you save If you want to avoid
• 11:47
  Speaker 3: idle savings and you're also being like shit, I think
• 11:49
  Speaker 3: this is me, you could consider switching to a high
• 11:52
  Speaker 3: interest savings account. So typically a high interest savings account
• 11:56
  Speaker 3: refers to an account that has an interest rate of
• 11:59
  Speaker 3: four point five percent, five percent or higher. These do change,
• 12:03
  Speaker 3: so that's why I'm saying, typically it's very important to
• 12:06
  Speaker 3: do your research and see what's competitive on the market
• 12:08
  Speaker 3: at the moment.
• 12:09
  Speaker 4: Yeah. They can also sometimes have bonus or like intro offers,
• 12:13
  Speaker 4: so it's like you'll get five percent for the first
• 12:15
  Speaker 4: six months and then after that it drops to three.
• 12:18
  Speaker 2: Yeah. Yeah, that's a good point.
• 12:19
  Speaker 3: And there are also sometimes conditions to access the high
• 12:22
  Speaker 3: interest so whether it is an introductory offer like you've
• 12:25
  Speaker 3: mentioned and it only lasts for a certain period of time,
• 12:28
  Speaker 3: or there may be conditions like monthly deposit requirements or
• 12:32
  Speaker 3: withdrawal restrictions. So it's very important to see what those
• 12:36
  Speaker 3: are to make sure that they align with your money
• 12:38
  Speaker 3: habits and your goals. And I think we should also
• 12:41
  Speaker 3: look at an example of how you could save with
• 12:44
  Speaker 3: a high interred savings account.
• 12:45
  Speaker 2: Let's say it's real.
• 12:46
  Speaker 4: Yeah, So let's say you have ten thousand dollars in savings,
• 12:51
  Speaker 4: just a random number, and you had those savings in
• 12:54
  Speaker 4: an account earning two point five percent per anm, you'd
• 12:57
  Speaker 4: earn around two hundred and fifty dollars in interest twelve months. However,
• 13:01
  Speaker 4: if you had that same ten thousand dollars sitting in
• 13:05
  Speaker 4: a savings account earning five point five percent per anum,
• 13:08
  Speaker 4: you'd earn around five hundred and fifty dollars in interest over.
• 13:11
  Speaker 2: The same period.
• 13:13
  Speaker 4: So that means you could earn an extra three hundred
• 13:15
  Speaker 4: dollars a year simply by switching to a more competitive
• 13:18
  Speaker 4: savings account. And obviously that number will just go high
• 13:23
  Speaker 4: the more you have in your savings. So it's a
• 13:26
  Speaker 4: good motivator because you're missing out on opportunity to.
• 13:30
  Speaker 2: Earn more on your hard work already.
• 13:32
  Speaker 3: Yeah, exactly, we'll put some resources in the show notes.
• 13:34
  Speaker 3: Moving on to the final way that you're overpaying grocery creep.
• 13:40
  Speaker 2: Oh tell me the dogs, the dogs the biggest creep
• 13:45
  Speaker 2: of all. Yeah, exactly.
• 13:47
  Speaker 3: So if you feel like you're spending more money on
• 13:49
  Speaker 3: your groceries, you probably are. So. Data from the Consumer
• 13:54
  Speaker 3: Price Index shows that prices rose for twenty four out
• 13:58
  Speaker 3: of thirty one grocery product degrees analyze between Feb. Twenty
• 14:02
  Speaker 3: twenty five and twenty twenty six. So this means you're
• 14:05
  Speaker 3: paying about thirteen percent more for beef, lamb and goat. Oh,
• 14:10
  Speaker 3: twelve percent more for coffee and tea. Vouch for that, yeah,
• 14:15
  Speaker 3: seven percent more for chocolate, and five percent more for
• 14:18
  Speaker 3: ice cream.
• 14:19
  Speaker 2: How upseting? These are a few of my favorite things.
• 14:22
  Speaker 3: Yeah, but that's the thing, Like, the cost of our
• 14:26
  Speaker 3: very common grocery items are slowly but surely rising. That
• 14:30
  Speaker 3: is why it's so important to pay attention to how
• 14:32
  Speaker 3: much you're paying for certain items and maybe be a
• 14:34
  Speaker 3: little bit more mindful when we're doing our supermarket shopping.
• 14:37
  Speaker 3: Shopping at the grocery store is still a lot more
• 14:39
  Speaker 3: affordable than you know, getting takeaway every night. What I
• 14:43
  Speaker 3: was kind of doing is like, oh, buying the same
• 14:45
  Speaker 3: like dinners to have every week, And I would notice, like,
• 14:49
  Speaker 3: you know, how it would be more expensive one week
• 14:51
  Speaker 3: versus more expensive the other week.
• 14:52
  Speaker 2: Yeah, So I.
• 14:53
  Speaker 4: Think if we're looking at how we can save, it's
• 14:56
  Speaker 4: about being a little bit more flexible in the way
• 14:59
  Speaker 4: that we're shopping our groceries. So shopping strategically one to
• 15:04
  Speaker 4: avoid food wastage. Research shows that Australians waste five hundred
• 15:09
  Speaker 4: dollars on food wastage every year. Yeah, per family, per family,
• 15:14
  Speaker 4: so five hundred dollars that's.
• 15:16
  Speaker 2: A lot of money. That is a lot of money.
• 15:18
  Speaker 3: I saw this app called save Full and you can
• 15:21
  Speaker 3: pop in the different items that you've bought and the
• 15:24
  Speaker 3: date that you've bought it, and then it gives you
• 15:25
  Speaker 3: notifications on when your food is about to expire. It
• 15:28
  Speaker 3: also gives you recipes based on the items that you've
• 15:32
  Speaker 3: got in there and suggestions.
• 15:33
  Speaker 2: Yeah, it's really really.
• 15:35
  Speaker 3: Cool, and I think it also shows you how much
• 15:37
  Speaker 3: you've potentially saved by using your groceries as well, and
• 15:41
  Speaker 3: then also the food wastage that you've avoided as well.
• 15:44
  Speaker 2: So whether you're going it calculates your savings as well.
• 15:47
  Speaker 3: Yeah, So whether you're motivated by saving money or trying
• 15:50
  Speaker 3: to be more sustainable and avoid food wastage or both.
• 15:53
  Speaker 3: Like you also get that little dopamine hit of how
• 15:55
  Speaker 3: you're tracking.
• 15:56
  Speaker 2: Love that. I'm going to download that.
• 15:58
  Speaker 4: Okay, your next one is to store the food directly,
• 16:00
  Speaker 4: So store onions and potatoes separately, revive wilton veggies in
• 16:05
  Speaker 4: cold water, cut off or throw away bruise parts of
• 16:07
  Speaker 4: the food.
• 16:08
  Speaker 2: And also like embrace a little bit of the frozen
• 16:11
  Speaker 2: section a bit more.
• 16:12
  Speaker 4: I think that's all I've been doing more in my
• 16:15
  Speaker 4: grocery shopping, Like I batch create a meal or a
• 16:18
  Speaker 4: sauce like track that in the freezer.
• 16:20
  Speaker 2: Get the frozen veggies. Yep, they're just as good.
• 16:23
  Speaker 4: But Claire Baits, who is also nutrition foodish on Ig,
• 16:27
  Speaker 4: is a sports dietitian who shares weekly specials worth building
• 16:30
  Speaker 4: your meals around this week, which is a great source
• 16:32
  Speaker 4: of inspo for easy budget recipes.
• 16:35
  Speaker 2: But do you have any hacks that you use to
• 16:37
  Speaker 2: save on groceries each week?
• 16:39
  Speaker 3: Sometimes I go to the shops late at night when
• 16:41
  Speaker 3: they're going to discount darkness.
• 16:44
  Speaker 2: Yeah yeah, so like.
• 16:45
  Speaker 3: After the gym or something, I'll go and be like
• 16:47
  Speaker 3: because that's when they put discounts on like the milk
• 16:50
  Speaker 3: and the bread.
• 16:51
  Speaker 4: Yeah.
• 16:52
  Speaker 3: Also buying food seasonally too, So you know how you
• 16:55
  Speaker 3: were saying, like, you'll shop for the same kind of
• 16:57
  Speaker 3: meals all year round, and then you notice that the
• 17:00
  Speaker 3: prices fluctuate. If it's out of season, it's going to
• 17:03
  Speaker 3: be more expensive, and like paying attention to stuff like that, Yeah,
• 17:07
  Speaker 3: is another way that I try and save.
• 17:08
  Speaker 2: Yeah, for me, I love the odd bunch. I love it.
• 17:12
  Speaker 2: I love the bunch. They taste just as good.
• 17:15
  Speaker 4: Literally, so if you don't know what the odd bunch is,
• 17:17
  Speaker 4: the odd bunch is like a bag of just like wonky.
• 17:20
  Speaker 2: Carrots or lemons that were a little bit too small.
• 17:22
  Speaker 4: It's basically the produce that like doesn't meet pretty girl standards,
• 17:28
  Speaker 4: not the big beauty standards and the fruit vegetational standards
• 17:31
  Speaker 4: for veggies. But they're just cheaper because they're a little
• 17:34
  Speaker 4: bit different.
• 17:37
  Speaker 2: And I feel bad for them too.
• 17:40
  Speaker 3: I got a good time.
• 17:42
  Speaker 2: I love your bunch. We'd be in the odd Bunch
• 17:44
  Speaker 2: if we were veggies.
• 17:46
  Speaker 4: One thousand six and then my other one is not
• 17:48
  Speaker 4: necessarily like a savings hack in terms of dollars of
• 17:52
  Speaker 4: what you save when you shop groceries, but it's more
• 17:54
  Speaker 4: in terms of value that like I exclusively shot my
• 17:58
  Speaker 4: weekly groceries to wear I earn my points and my
• 18:02
  Speaker 4: rewards points.
• 18:03
  Speaker 2: It's wherever you want to shop. Like, I don't mind
• 18:05
  Speaker 2: whichever points one you want to choose. You choose whatever
• 18:08
  Speaker 2: works for you. I have been doing Velocity frequent flyers love.
• 18:13
  Speaker 4: It, obsessed with it, and we've also worked with them
• 18:17
  Speaker 4: for like the last couple of years. But like, I'm
• 18:19
  Speaker 4: on that train regardless, you know, I love it. And
• 18:23
  Speaker 4: that's like my biggest habit that I've developed in my
• 18:26
  Speaker 4: grocery shopping because it might not save me money necessarily
• 18:30
  Speaker 4: like right then in that moment, but it does save
• 18:33
  Speaker 4: me a lot of money in the future when I'm
• 18:35
  Speaker 4: going to book flights.
• 18:36
  Speaker 2: Yeah, I love that. So that's the thing.
• 18:37
  Speaker 3: It's just being a little bit more strategic and kind
• 18:40
  Speaker 3: of like taking it for granted, just doing the same old,
• 18:42
  Speaker 3: same old.
• 18:43
  Speaker 2: Well that's a wrap.
• 18:45
  Speaker 3: Yeah, thank you so much Chikey's for having a sny
• 18:47
  Speaker 3: ear holes. We love to be here, baticks I thanks again.
• 18:59
  Speaker 2: To for making this episode of Two ro Chicks possible.
• 19:02
  Speaker 3: If you want to compare deals and browse Finder rewards
• 19:05
  Speaker 3: cash back offers you can't get anywhere else.
• 19:07
  Speaker 2: Hit the link in the show notes