Latest / The Curve / RTC54: How to save for BIG TICKET items

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RTC54: How to save for BIG TICKET items · The Curve

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  Progress is part of Audi's DNA and as a brand they're leading the way in premium electric mobility
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  with their fully electric Audi eTron range. Thanks so much to Audi for sponsoring this
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  podcast and if you haven't already, check out our savings calculator that we've created together
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  to help you reach your savings goals. It's at thecurve.co.nz
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  Welcome to the Curve Podcast, a conversation for women who want to learn more about money,
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  their money, for the future they want to have. We're all busy in the pursuit for financial
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  confidence and increasing your wealth should be a simple one. So thank you for being here
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  and for listening because together we really can raise the curve.
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  I'm having a morning radio or something. Oh, these early morning records.
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  VIXERAL, early morning person. I just... I just love having a few hours on the day before we
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  run our skits up. My flatmates still asleep right now in the fact that we're recording a podcast.
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  Have you exercised already? Yeah. What did you do? I went for a walk round.
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  Go to the garage. But like, cos they have a dog. But you know, like I just love like,
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  I can start my day on my own rather than waking up and be like,
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  there is something about this. This is going to sound woo woo but the collective energy when
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  people are sleeping at feels karma. You know early in the morning there is this energy that
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  feels a bit more. Yeah. I don't know. People are still asleep and don't get me wrong. I love
• 1:22
  a sleeper. Do you even know how to sleep? I slept until like nine on Sunday and I was like,
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  oh that's the question. I was like, it's like it's like 10 o'clock and like half the day's gone
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  and I haven't done anything. I was like, freaking out. But I was like, you know, just embrace it. It's
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  fine. It's fine. So a couple of months ago I started talking on the curve socials about my car
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  situation. Oh god. So I drive. Yeah. This has been kind of a running joke amongst my friends,
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  family, everyone for seven years. So I've been driving this. God, it's literally a cardboard box
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  on wheels. Like the wind comes and it feels like it's going to blow off the road. It's like a little
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  bubble that's like, the bump is about to fall off. It does. Sometimes on the motorway there's this
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  back panel that flaps in the wind and I have to pull over and kick it in. Like it's really not safe.
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  It's certainly not chic. The one thing I had going for it was the petrol was not too expensive.
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  Like it was probably $40 for me to fill out for two weeks just because it was such an old car.
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  Yeah. Which isn't interesting but it was economical for sure. Look terrible but economical.
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  I mean, it might not get from A to B but hey, it didn't cost me much. It would be like I would be
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  doing road trips in the summer and I genuinely, my parents set me down and say, you know, so I don't
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  think it's safe to be driving. The Honda Jazz on the open road, which is actually fair.
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  I wrote it at once. Oh my gosh. I was like, what does that sound? I was like, literally scared for
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  my life. I was like, get me out, get me out, get me out. And that's why I never gave you a ride
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  until that point is because I knew you'd be sassy about it. But I would always park my car around
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  the corner. I had a meeting. I was really embarrassed of it and people would be like, I saw you driving.
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  No, you didn't. No, you didn't. Oh, it wasn't me.
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  I was having this huge, weird hang up about my car. So I've never really had
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  heaps of spare income. I've always been in jobs that are, you know, I mean, to be fair, I have had
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  some good paying jobs when I was working in Australia. I was on like 150 grand, like four years ago,
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  five years ago, which for me at the time, I remember thinking, I'm never going to earn more
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  than this. You know, it was, it was quite absurd to me to be earning so much money. But I think
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  you're just very good at not spending it on something that kind of doesn't bring you value or,
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  you know, you're very good at being strict with your money. I think so.
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  Oh, well, I'm going to take that as a real compliment. However, what I do think is I have had a
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  real hang up around spending money on frivolous things. And when I say frivolous, buying a new car
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  for a safety perspective or any other reason, it doesn't even matter if I wanted to buy one just
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  because I wanted to feel good in my car. I had this real hang up about spending, whether it be
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  5, 10, 20, 30 grand in my car. Whereas I'm kind of the opposite. I spend a lot of time in my car.
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  I, you know, it's like, yes, in safety is a key issue. But also like I make phone calls in my car.
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  You know, like it's very productive space for me. It's a space like where do I need meditation?
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  But you know, like it is kind of like a really calming nice place and I love
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  being in a nice car. I think what comes into this is the way that you spend your money and how
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  you feel when you spend it. So, for example, I think if I was to spend money on a nice car,
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  I would probably feel really good about it. And I'd be so proud that I'd saved that much to get
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  there. But the problem was, I think, is that A, I felt as though it was almost unobtainable,
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  or like it was too out of reach, which is sad. And I also had this guilt around wanting
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  something nice. I would love to buy an Audi. I have always wanted one. And I, but I just,
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  I had this hang up of, oh, imagine if I, you know, one day have to pay for XYZ or, you know,
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  I just was worried that I hadn't prepared myself financially to be able to justify and plan
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  properly to make a decision like that with my money. Yeah. And a lot of people do. And you know,
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  it is a big purchase. But I think if you put the right steps in place and well, the great thing
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  about having a goal is actually visualising it. It was so motivating. And if you break it down,
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  then that $30,000 car doesn't seem so overwhelming. If you have to save, you know, $50 a week,
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  all $50 a month, whatever. And you chip away at it. Then that goal doesn't seem as like
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  enormous in out of reach. Definitely. And I think that that was the problem. There was, I mean,
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  there was many things. But when I shared it on Instagram, I was so overwhelmed by how many
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  people message actually specifically about a car saying, I also drive like a really average car.
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  And I feel ashamed of it. But I also feel ashamed that I feel ashamed of it. Yeah. It was the
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  self perpetuating thing that a lot of people could relate to, which I thought was super interesting.
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  I didn't know if it was my own hangout or if it was something that was kind of prevalent amongst
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  particularly women. And it's so personal. It's like a lot of people might look at cars and go,
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  are terrible investment. I'm not going to spend money on a on a nice car. And others are like, no,
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  you know what? Safety is a key feature. I spend a lot of time in my car. I take my kids in my car.
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  So therefore I want space and I want a nice car. And, and it's so personal. And so, yeah, I
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  totally hear what you're coming from around. You feel guilty about feeling guilty.
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  So anyway, when we started speaking about this on social media, Audi got in touch with us and sort
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  of said, you know, we'd be quite keen to help you visualize your goal. Yeah. And it got us
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  thinking, okay, how could we do this if I'm struggling? And I was personally so stoked.
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  Love Audi. I have had the last two cars have been outies. And I love them. Yeah. And that's,
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  yeah, not hashtag it. That is very much. Yeah. Genuinely. Genuinely. So when they contacted us,
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  I initially thought, hmm, I wonder if Audi is a good alignment for the curve because, you know,
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  as you say, cars traditionally, a lot of people look at that and might not think, oh, great
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  investment. But it's a totally personal decision. If some people, that is the best way they could
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  spend their money. And if that brings you value and happiness and you want to cut back
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  your spending on other areas, then go for it. It's like, it's so personal and... A hundred
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  percent. Yeah. And we're all about empowering people to spend their money in a way that feels
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  best for them. Yeah. Having, yeah, making educated decisions, I think. And they done this. I remember
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  saying all these influencers go through this pop up. It was, and you remember it was called
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  Scramble Car. Yeah. And they basically had, it was a pink outing and they had these giant black
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  felt-tip things and they were encouraging women or anyone really to go down and write a message.
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  And I just saw that and I thought that's so cool. They turned the pink car essentially into a black
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  one. So cool. Which is awesome. And what a way to do it, rather than just, oh, we'll just paint
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  it black. It's like, no, come down, write a slogan and back an empowering message. And it was
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  interesting. So we sort of went on this, had this conversation with Audi around, okay, well,
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  how could we encourage our audience and people like me who are struggling to save or prepare
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  to be able to buy a big ticket item like an Audi? And anyway, so the conversation spiraled into,
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  why don't we create some kind of savings calculator? Which gives the visualization of what is it
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  you're saving for? Is it a car? Is it a holiday? Is it a wedding? Is it your retirement? What is it
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  that you want to say for? And then breaking that goal down and it was so good to get your brain
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  across that thing? Because I think you're right, the idea of creating a goal and being able to
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  visualize it and being able to know how much you're contributing each month, to know if you're
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  going to invest that money if it's going to be for two or three years. Yeah, because I think having
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  a visualized goal is so much more motivating and having something tangible specific, like,
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  specific value or anything, it just makes it, makes you so much less likely to go off course.
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  It's like, if you were like, oh, you know, I just want to be a better runner. It's like, okay,
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  cool. But if you're like, no, you know what? I wouldn't be able to run 20 kilometers by October next
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  year. Then you break it down, you're like, okay, cool. What do I have to do in small increments over
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  those months to get there? And it's exactly the same with any investing goal. If you want, you know,
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  ex amount at retirement. It's like, okay, what do I need to save now to get there by the time
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  65? And it's the same with the car. It's like, okay, cool. I want to get a $50,000 car. Okay,
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  what do I need to save to get there? And when you break it down to bite-sized pieces, it's so much
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  more manageable. And when you drive an Audi way more motivating. Oh my gosh. So a part of this,
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  oh, so we ended up coming to an agreement on doing a sponsor shit, which was Vick's dream and
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  also my dream. So we created the savings calculator, which I must say, everything that you just
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  mentioned in terms of being able to break it down and seeing what you need. Even if it's $160,000
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  car. Yeah. Is it going to take you 10 years to get there? That's fine. But at least you know
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  you're taking steps to get there. And that visualization piece is so massive. And it's good to know
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  what's realistic in your budget. You know, if you're like, I want $160,000 car by tomorrow and I've
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  got no savings. It's like, okay, well, maybe you're feeling empowered. That's right. Okay,
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  maybe it's moved that time out a bit and see how much you have to save. And so it's kind of,
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  yeah, you figure out what's realistic with your current spending or what you need to cut back on
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  or yeah, and it's really, really helps. And I think the savings calculator, what's been great with
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  that is you can adjust the timelines, right? And so you can look at your expenditure and you can
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  look at how long it might take to save to get there. And then say you look at the rest of the money
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  that you're spending and you say, oh, I'm spending $250 a month on coffees. Yeah. And you know,
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  if you were to put that money towards your savings goal, how much quicker you'd be reaching it,
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  it's motivating. But if you have no concept of where your money's going,
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  totally, or how long it's going to take, there isn't a whole lot of motivation. And I think that's
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  how I felt. I felt quite helpless because I was like, well, it's just two out of reach. It's
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  two over one thing. So number one, the savings calculator has been game changer. Yeah. And number two,
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  driving the Audi eTron has been like, I could get emotional. It's been unbelievable. I didn't know.
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  Are you going to go back to the Honda Jazz? I cannot. I just can't. I know. I'm sorry. It's a car
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  bad side. No, I never thought that this would be in my future. Honestly, never thought I would have
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  the capacity. I mean, granted, I haven't bought it. So it's not. It's not a pet on that. No,
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  but it just feels more realistic. Oh, totally. I think it was so unrealistic. Oh, even for me,
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  driving that and I was like, oh, my God, this is a nice car. This is so motivating to work hard
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  and put my money aside for a nice car because it's like when you get in there and you touch the steering
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  wheel, it's something like, ooh, I'm going to cloud. Yes. I think there's also this element which I
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  really resonate with driving this particular car and not spending money on petrol. Obviously,
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  I mean, there's obviously the financial side of things dream. It's so nice because I'm very
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  broke at the moment. Yeah. But at the same time, it was also the element of it being electric
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  because we harp on so much here at the curve about the importance of spending your money on
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  things that align with your values. And for me, I care so deeply about the planet. Yeah.
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  So much. And I think to be able to drive a car where I know that I'm not also increasing my
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  emissions in my foot, put foot, foot, foot and increasing my footprint. Yes. Sorry. I feel so
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  good about that. And so when I look at my savings goals in terms of trying to reach being able to
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  buy an electric Audi, yes, it's over 10 years before I can buy that. But to know that that's where I'm
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  going gives me so much joy. There's a monetary element of saving petrol, but there's also the
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  environmental aspect of saving petrol, not buying petrol. And I think if anything has taught us in
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  the last couple of weeks about what's happened in New Zealand and the, you know, with cyclone
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  Gabriel and the Auckland floods and all this catastrophe that's happening in the world at the
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  moment, I think it's like now more than ever, we need to be super, super conscious of not only
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  we were investing our money, but also how we're consuming things. And, you know, the fact that
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  Audi is going to be carbon neutral by 2050, because of their fully electric range is going to be
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  amazing. And you feel even more proud driving a car like that, definitely. A hundred percent.
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  And so when we created the savings calculator, we also, because I did the calculator and I was
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  like, amazing. Now I know how long it's going to take me to get there. And then I was like,
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  Victoria, can you please come up with some more tips and tricks. So you've created a, it's almost
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  like a downloadable, isn't it? A couple of pages. Yes, yeah. So it's all well and good being like,
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  cool, save $100 a month. You're like, hey, well, how? How do I do that? And so we've come up with
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  a little downloadable, which has got about seven kind of savings tips, sorry, non-vecning tips,
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  savings tips, which will help you achieve your goal much faster. And the first one is set a goal,
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  which we've done with the savings calculator. What if that goal may be with time at holiday,
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  wedding, pet, I don't know, you dress, you need. And then the second one is get rid of debt. Now,
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  debt can hold you back so much and really, really be a handbrake on you achieving your investing
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  goal. So it's really important to pay that off first. And there is good debt and bad debt.
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  So good debt is something that helps you grow your wealth. So a mortgage, for example, a student
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  loan and then bad debt is like credit card debt or a personal loan, that kind of stuff. So you
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  really need to pay that off first. And then the third tip is to pay future you first. And that's
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  all around making sure you're contributing to future you. So don't forget about what you're
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  going to need in the future when you're retired and you're not earning. So even if that's reduced
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  slightly because the cost of living is gone, absolute bananas lately. But make sure you're always
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  thinking about future you. And so set up an automatic payment, get that out of the way before
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  you're even thinking about. And so is that retirement money? So is that taking money out of your
• 15:57
  paycheck every month and making sure that you're contributing it so that when you're not earning?
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  Yes. Yeah. Yeah. And then another tip is you don't have to go to Europe every year on
• 16:07
  European holiday. Interesting. That's cool. That's a good idea.
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  And so it's take a staycation because we all know like, times can be stressful, work can get
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  buy a tea. Go to a park. Yeah. Go and go and chill out. I have a staycation. You know,
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  go go stay to friends place. Accommodations really expensive. I think if you take that element out
• 16:33
  of a holiday and make things up cheaper, doesn't it? Yeah. And airfares are really expensive. So,
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  you know, take a look in your backyard. They want to feel like it should be an ad for tourism
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  New Zealand. No, but I think it's true. And this is what I was thinking about recently, you know,
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  because I was lucky enough to have a London last year for a few months. And London's amazing.
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  And Europe's amazing. And there's so many beautiful restaurants and cafes. And I remember coming
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  home and being like, oh, there's kind of only four or five restaurants here. But then I was like,
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  you know what? Europe and London don't have New Zealand in their backyard. And that is actually
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  the beauty of living here. It's making the most of the hike. It's making the most of all the
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  beautiful outdoors and not trying to live that bougie city lifestyle in New Zealand. Yeah.
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  Yeah. So it's kind of rediscover your backyard. And look at your bills. Now, this is tip number five.
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  And this can be quite a game changer. You know, a lot of us are probably sitting with the same
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  utility company, the same electricity company, the same phone company for years and years and years.
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  So it's almost like shop around. You know, give them a call and be like, hey, do you have any
• 17:36
  deals at the moment? Can I need to swap or like? Be a bill slump. Yeah. Literally be for
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  the risk. Yes. Shop around. Sleep around. But yeah, it's like you're not kind of stuck with one
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  provider. So shop around and you'll be quite surprised what you can save. And the sixth one is
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  pack your lunch, which I love doing. Oh, and we've just done a thing with Miss Polly's kitchen.
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  Yes. Which is all about like it's a downloadable menu where there's heaps of different recipes
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  that are on a budget. And one of them is delicious, affordable lunch prep. Yes. So no excuses.
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  That's an Instagram bio if you want to download it. Because you can actually save so much money
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  for making your lunch at home. And it's like, yeah, it's because you've got to be organized.
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  And I've been very unorganized. Yeah. It does take a bit of time. But it is, you can save,
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  you can save so much by packing your own lunch. So you might think, oh, you know, it's only $20
• 18:32
  on snacks here and there. Or it's only one coffee a day. Or but if you annualise that and you
• 18:39
  figure out how much that is, I think it'll be below a lot of people's minds. That's actually a really
• 18:43
  good one. Yeah. Scary. But what is like $15 a day times? Oh, I don't do this to a whole year.
• 18:51
  Well, I'm just thinking lunch wise, even if you get sushi, which is reasonably cheap, you time
• 18:55
  that by every day. So if you're buying your lunch at $14 a day. 14 times seven. That's $2,600 a year.
• 19:04
  And then I think if you were to invest that in Compounder and think about how much that would be
• 19:08
  wild. That's probably a year of saving for my Audi eTron. Yes. And that's the great thing is that,
• 19:15
  you know, if your goal is five years or longer, so say you want to buy an Audi in six years,
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  if you invest that money that you're also saving, you might be able to achieve that in five years
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  or you might end up getting a whole lot more at the six year period. So therefore you can buy
• 19:31
  it even nicer eTron. Or you know, like it's yeah, investing really helps you accelerate what
• 19:37
  were you trying to get to by investing in the stock market. And so on the savings calculator when
• 19:41
  you use it, there is the option to click do you plan on investing your savings yes or no. And I
• 19:46
  think a lot of people probably initially click no because they're like oh, it's good. Yes. Yeah.
• 19:50
  But if you try and you use it and you say no and then you see how long it's going to take you
• 19:55
  and how much you need to contribute a month. And then you click yes. It's really interesting to see
• 20:00
  how much quicker you can reach that savings goal. The caveat with that is that it's only four long
• 20:05
  term goals. Totally. You're not going to be investing for three months time to buy some underwear.
• 20:11
  It's hope you can afford it. You're under here. Well, it's just underwear is quite expensive.
• 20:15
  Nice underwear. Yeah. And how good do you feel wearing nice underwear? Yeah. But the other day
• 20:20
  was like oh god, I never wear a matching underwear. And I thought that is so sexy to be constantly
• 20:26
  wearing matching sets. I wish I was there. Not yet. I mean, sometimes I have really comfortable
• 20:32
  matching sets. It also made me think god for your birthday one year I got you a nice pair of
• 20:36
  underwear. I like it. But I didn't get a matching bra because I couldn't afford both and I thought
• 20:41
  I wonder if she wears them. I do. I definitely do. Yeah. Okay. And so with those tips,
• 20:46
  people can download them once they've used the savings calculator, right? Yeah. At the end,
• 20:51
  I think it says see me the tips or something. Yeah. So we'll split out how much you need to
• 20:54
  contribute per month to reach your savings goal. And then you could be like help. How do I actually
• 20:59
  save that much? So then we'll send you your savings tips. A little Bible. Yeah. Yeah. Okay,
• 21:07
  amazing. And we also have some exciting news which we announced yesterday, but in case
• 21:12
  someone missed it on socials. So when we started this partnership with Audi, they said we're
• 21:18
  going to give you guys an Audi e-tron to drive. Can I just stop you there? Yep. Give you guys an
• 21:24
  Audi e-tron. Do you mean the fact that I see guys instead of girls or the fact that we said to
• 21:29
  plural and I'm the only one using it? Yeah. So I had a friend the other day and she was like so when
• 21:34
  do you get the e-tron? And I was like I had it for a week and she was like but soft gets it for
• 21:38
  like ages. I was like yes. I think I will take that bone and pick that bone with soft thank you.
• 21:45
  In my defense, in my defense, you already have an Audi and I have a ship box and by swapping,
• 21:50
  I have to pay for petrol and your gala's poor. No, but it's a nice car. I want it. Okay,
• 21:56
  that's cool. We can take this offline. Yeah, we'll tell you what I'm sorry about that. But the good
• 22:01
  news is is that we have decided so they said to us you can use the car for five months because
• 22:07
  they're sponsoring our podcast The Curve Weekly. Amazing. We love it. Yep. And we thought how cool
• 22:13
  would it be for someone else to have a go at driving it, not Victoria. But someone in the
• 22:17
  curve community to be able to also have that visualization. So for me driving this car, I cannot
• 22:24
  explain to you how it's amazing. And yes, but also how motivated I am to now save and stick to
• 22:32
  that goal. And until your point earlier about visualization, whether you're saving for a new coffee
• 22:37
  machine, put a photo up in your kitchen, if you're saving for new clothes, put some photos up in
• 22:42
  your wardrobe, whatever it is, visual aid. I tell you what is so good. It's like manifesting your
• 22:48
  manifesting everyday to jump at the car. Yeah, exactly. And then I get in the car and I think,
• 22:52
  oh, I don't have to use headphones to drive and listen to music. Which by the way, extremely
• 22:56
  dangerous. There's no bumper falling off this car. I don't know what's going to pull over and kick
• 23:01
  the bumper in. You know, I'm not embarrassed to have friends in my car. Do you know my favourite
• 23:06
  feature? What? It's when you sit in and the seatbelt, like you start driving for like three
• 23:11
  seconds and the seatbelt just tightens a little bit. And it's like a little hug. And then you just
• 23:15
  feel so safe. You're like, oh, that's right. Yes, thank you. I'm in there. Yeah, I'm secure.
• 23:20
  I love the key feature. I love that if I've got like, if I'm the bag lady and I've got
• 23:25
  17 bags and I can't find my keys, it still knows that I'm near it and opens and you don't have to
• 23:31
  put the keys in the ignition or anything. It just starts. Yeah. Yeah, that's nice.
• 23:36
  Must be careful to not lose the keys. Oh my god. The other thing that I love is I'm actually
• 23:40
  I hope Audi is not listening to this podcast, but I'm not the world's best driver, to be honest.
• 23:45
  And all of the sensors it beeps at you and you're like, quite close to things. I can't go into
• 23:52
  anything because it's called to like, beep beep beep. That happened to me. I beep beep beep beep.
• 23:56
  I said listen to Audi, but I was backing back and this car was driving like behind me.
• 24:02
  Like I was backing back into the road out of a car park. And all of a car, all of a sudden the car
• 24:07
  just stopped and I thought it had something and I was like, oh my gosh. And then I saw this car
• 24:11
  zoom pass and I was like, and my friend was like, did you not see that car coming? I was like, no.
• 24:15
  And I was like, whoa, the car just automatically stopped. I was like, saved my life.
• 24:20
  It's actually very, it's literally so intelligent. Yeah. Yeah. It's one more intelligent thing.
• 24:25
  I'm going to be like, how on earth? I remember when we picked it up and I was like,
• 24:30
  it was like, now be careful of the curbs and the lady at Audi Shannon who is awesome was like,
• 24:35
  there's actually probably no way you'll curb it because there's like reverse. I was like,
• 24:40
  try me. Yeah. I'm like, well, see about that Shannon. Oh, did all this funny the other day,
• 24:48
  we were in someone else's car and I was, I went to lift the boot up and I pressed the button
• 24:54
  and then just stood back and it didn't automatically open and I was like, sorry.
• 24:58
  I'm so used to the Audi e-tron. So anyway, the point of this is that somebody in our community
• 25:08
  is going to get the chance to drive this for a tire. Oh, man, what can I win?
• 25:13
  So we'll just turn Victoria's microphone off. No, so someone is going to get to drive it. So
• 25:19
  rather than us having it for an extra month, we thought, how cool would it be for someone
• 25:23
  else who's trying to save? And to be honest, even if your savings goal isn't a car,
• 25:27
  you can still win this. It's not like you have to be saving specifically for a car, but
• 25:30
  I'm so going to enter. You're not allowed to win, baby. Damn it. It's a, it's a conflict of interest,
• 25:35
  I would say. Imagine if it just gets to the car and it just skies every time, like sunnies and a
• 25:41
  hat and a bean. Yeah, I'll just get my sister and my mum and my dad to all enter the drawer.
• 25:46
  I mean, so I can enter the drawer. Oh my god, your dog cannot win the car.
• 25:51
  No, no, no, sorry. So the way that you can enter is we're doing this in collaboration with
• 25:56
  the Denison. So you can enter through their website. We'll put a link in our Instagram bio.
• 26:00
  And we're also going to throw in. Oh, yes. Two seats to the curved classroom for the next intake
• 26:07
  that we have in September, which is an amazing, looks slightly biased, but it is an amazing six-week
• 26:16
  investment course all about, you know, growing, growing your savings, building a investing portfolio,
• 26:22
  and it includes exclusive podcast episodes, live Q and A's with me.
• 26:27
  I'm going to try. Oh, sorry, you're going to try. Yeah, coming along.
• 26:30
  A personalized budgeting savings tracker, which is. That's actually a new section, because we
• 26:35
  we definitely last time we did the curved classroom, we didn't have that, and it felt like we
• 26:39
  needed a personal savings element, especially with what's going on in the current environment.
• 26:44
  Lots of us don't know even how to save our budget. So we've definitely, we've included that too.
• 26:48
  We've created a really awesome track, like track up your expenses and budgeting tool.
• 26:54
  But you'll have access to the course if you're sending them going, oh, but September,
• 26:56
  I'm away on holiday or I'm having a baby or whatever, you can do it whenever.
• 27:02
  You do get lifetime access to the course, which is amazing, because life gets hectic.
• 27:07
  It does. So you can enter either. We'll put a link in our show notes for this podcast as well
• 27:12
  as in our Instagram bio, but essentially you enter through the dinners and website.
• 27:15
  And we're going to be drawing that on the third of March. So you've got about a week to enter.
• 27:22
  If you're listening to this and the competition's already been in gone, because this is what are we?
• 27:28
  February 2023. You can still go online to the curve.co.nz, use our savings calculator. You can still
• 27:34
  get those savings tips that Vic talked about. But unfortunately, you will have missed the chance to
• 27:39
  win a car, which is very exciting. Also, anyone that's listening would know that we don't just
• 27:47
  align with any brands, like we, we're pretty careful on the people that we work with. And
• 27:52
  the number of times, we're like, oh, so no, it's just, just do that. Just take the money.
• 27:57
  We don't do it often, actually. And when we do it, it's when it feels right. So we feel very proud
• 28:01
  to be doing this competition and to be working with Audi on this. So, you know, it does, it is a
• 28:08
  hashtag plug, but it's something we're quite proud of. Yes, very, very proud of.
• 28:12
  Now, you've got to get to work. Yes. I need to go and have a coffee.
• 28:18
  Yep. As you can tell, I can't even finish that sentence. Yep, you sure do.
• 28:23
  Progress is part of Audi's DNA. And as a brand, they're leading the way in premium electric mobility
• 28:30
  with their fully electric Audi eTron range. Thanks so much to Audi for sponsoring this podcast. And
• 28:35
  if you haven't already, check out our savings calculator that we've created together to help
• 28:39
  you reach your savings goals. It's at thecurve.co.nz.