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Points Hacking (No Credit Card Required) · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
• 0:04
  Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before
• 0:08
  Speaker 1: we get started on She's on the Money podcast, I
• 0:11
  Speaker 1: would like to acknowledge the traditional custodians of the land
• 0:14
  Speaker 1: of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: that lets you in on all the money secrets you
• 1:02
  Speaker 4: need to know to live your best life. Because let's
• 1:05
  Speaker 4: be honest, if someone told you that you could fly
• 1:08
  Speaker 4: business class without dropping thousands of dollars or getting a
• 1:11
  Speaker 4: fancy credit card, you'd want the tea, right, Yes, of course.
• 1:15
  Speaker 2: Yes, exactly.
• 1:16
  Speaker 4: Well today we are absolutely delivering, and we're doing things
• 1:21
  Speaker 4: slightly differently as no surprise to anybody, hopefully.
• 1:25
  Speaker 2: My name is Victoria Divine and.
• 1:27
  Speaker 4: Joining me on the podcast today is not our usual
• 1:30
  Speaker 4: deep dive besa ed.
• 1:32
  Speaker 2: Don't worry, she's fine.
• 1:33
  Speaker 4: We've kept her in a cupboard to the side, like
• 1:36
  Speaker 4: she's in storage for now. But she's just not the
• 1:38
  Speaker 4: certified point hacker like the guests we have in studio today,
• 1:41
  Speaker 4: which I obviously gave a really good ah what we
• 1:45
  Speaker 4: call that?
• 1:46
  Speaker 2: Yeah, I gave it away. I gave it away.
• 1:48
  Speaker 4: She's part of the she's on the money team, and honestly,
• 1:50
  Speaker 4: she is the most points savvy person I know.
• 1:54
  Speaker 2: It's the one and only. Just grit you. Hello, welcome
• 1:57
  Speaker 2: back to a Wednesday episode.
• 1:59
  Speaker 5: Thank you for it's been a while.
• 2:01
  Speaker 4: But the second this topic came up, I was like, oh, guys,
• 2:04
  Speaker 4: I'm really sorry about this, Beck, but you're not allowed
• 2:06
  Speaker 4: to be on this episode. I love you, but it
• 2:09
  Speaker 4: will just be me telling you about points. But if
• 2:12
  Speaker 4: we get Jessica, it can be Jessica telling me about points.
• 2:15
  Speaker 5: And I think that's a good deal. I'm pretty happy
• 2:17
  Speaker 5: with that.
• 2:17
  Speaker 2: I think it's really good.
• 2:19
  Speaker 4: Now, when we say points hacking, a lot of people
• 2:21
  Speaker 4: automatically think about flights, which, yeah, you can totally get that,
• 2:25
  Speaker 4: But that's just the beginning, isn't it. Jess Jess I
• 2:28
  Speaker 4: have personally witnessed this, Like it's not just me being like,
• 2:31
  Speaker 4: oh I heard just did this. I have witnessed this,
• 2:34
  Speaker 4: and I've seen you snag some truly iconic rewards with
• 2:37
  Speaker 4: your points and none of it actually involved you having
• 2:40
  Speaker 4: to have a fancy black Amex or even a credit
• 2:43
  Speaker 4: card at all. So before we get into the house,
• 2:45
  Speaker 4: let's just dive into Jess, what have you bought with
• 2:48
  Speaker 4: your points?
• 2:49
  Speaker 6: Oh, in the last few years, I've had some goodies.
• 2:51
  Speaker 6: I got a Dison vacuum, I got my kitchen Aid.
• 2:55
  Speaker 6: I feel like the ogs know this story.
• 2:57
  Speaker 4: The kitchen aid was a community effort. I feel like
• 2:59
  Speaker 4: you tracking the points. I was you were hustling the points,
• 3:03
  Speaker 4: but the community was your biggest cheerleader.
• 3:06
  Speaker 5: And I love that thing. I use it all the time.
• 3:08
  Speaker 5: And what else? I got AirPods pros with points as well.
• 3:11
  Speaker 6: It's just in the last like four years, so it's
• 3:13
  Speaker 6: like not taking me that long either really to do it.
• 3:15
  Speaker 5: So there's been some goodies, I agree, Jess.
• 3:17
  Speaker 4: And also I need to just lay this out right
• 3:20
  Speaker 4: because she's on the money. We aren't here for like
• 3:23
  Speaker 4: just spending to get a reward. Likely we are not
• 3:26
  Speaker 4: buying things because points are associated. We are buying things
• 3:30
  Speaker 4: because we are intentional with our spending. This is just
• 3:33
  Speaker 4: like a little sugar or cream on the top, right,
• 3:36
  Speaker 4: It's not about spending for the sake of getting a
• 3:39
  Speaker 4: really shiny reward. So I've got some rules before we
• 3:42
  Speaker 4: start talking about this, all right. So points are fabulous.
• 3:47
  Speaker 4: We love points in this house, extra value for stuff
• 3:49
  Speaker 4: you're already gonna buy, Jess Slay, We love that. But
• 3:53
  Speaker 4: buying random things that you didn't need because you saw
• 3:56
  Speaker 4: in the catalog that there were bonus points this week
• 3:59
  Speaker 4: not sligh.
• 4:00
  Speaker 2: That is not the vibe.
• 4:02
  Speaker 4: In fact, studies have shown and this is me like
• 4:05
  Speaker 4: about to promote loyalty programs, but then also I'm just
• 4:08
  Speaker 4: going to shoot on them a little bit to the start,
• 4:10
  Speaker 4: because like we need to just get on the same page, right, So,
• 4:13
  Speaker 4: studies have shown that loyalty programs can actually increase customer
• 4:16
  Speaker 4: spending by twelve to eighteen percent and can increase company
• 4:20
  Speaker 4: revenue by twenty five to get this just ninety five percent.
• 4:24
  Speaker 2: That's corc and I need to get.
• 4:26
  Speaker 4: That down because otherwise, why Jess, would companies have loyalty
• 4:29
  Speaker 4: programs to begin with?
• 4:31
  Speaker 2: If it's not driving sales.
• 4:33
  Speaker 4: Why would you take the time, the energy, spend all
• 4:37
  Speaker 4: of that effort on building a program if it's not
• 4:39
  Speaker 4: adding to the bottom line.
• 4:40
  Speaker 5: It's a great point.
• 4:41
  Speaker 4: They're making money from giving us points, but we're smarter
• 4:44
  Speaker 4: than that. We're going to take their points for spending
• 4:46
  Speaker 4: things we were already going to spend. Right, So now
• 4:50
  Speaker 4: I've laid out a few of the ground rules, Jess,
• 4:53
  Speaker 4: what would be your first tip for someone wanting to
• 4:55
  Speaker 4: maximize the points from their everyday spend.
• 4:58
  Speaker 6: I think that one of the first things you want
• 4:59
  Speaker 6: to look at is what I call it an ecosystem.
• 5:02
  Speaker 2: We've got an ecosystem, I've.
• 5:04
  Speaker 6: Got an eco car because, exactly as you're saying, if
• 5:07
  Speaker 6: we're trying to collect points, doing the things we're already doing,
• 5:10
  Speaker 6: thinking about petrol, thinking about where do we buy our groceries,
• 5:13
  Speaker 6: thinking about.
• 5:14
  Speaker 5: What stores do you shop at a lot Because there's
• 5:17
  Speaker 5: two major camps in Australia.
• 5:18
  Speaker 6: There's Velocity, which is paired with flybys, and then there's Quantas,
• 5:22
  Speaker 6: which is paired with everyday rewards. Those the two major
• 5:25
  Speaker 6: k But if you're Jess, you have all of those,
• 5:28
  Speaker 6: don't you.
• 5:28
  Speaker 5: You absolutely can do a little bit of everything.
• 5:31
  Speaker 4: Yeah, Like it's free to sign up, Like I want
• 5:33
  Speaker 4: to have Flybys and I want to have everyday rewards
• 5:35
  Speaker 4: like pop off Queen Well, and that's it.
• 5:37
  Speaker 6: I think like a lot of people will find and
• 5:39
  Speaker 6: I find that I am a Cole's Kmart girlies. Velocity
• 5:43
  Speaker 6: is perfect for me, but I do still have everyday rewards.
• 5:46
  Speaker 6: If I happen to find myself at a Woolies, I'm
• 5:48
  Speaker 6: still gonna be.
• 5:48
  Speaker 4: This is where I'm a bit silly Jess, because I'm
• 5:51
  Speaker 4: definitely more of a like Velocity points and Flybys points
• 5:55
  Speaker 4: girly because like I think we all know, like I
• 5:57
  Speaker 4: prefer to fly Virgin, so I want my Virgin points.
• 6:00
  Speaker 4: But I also shop at Coals because it's my local
• 6:02
  Speaker 4: and like everybody knows, I love a Kmar so that
• 6:06
  Speaker 4: can works best for me. But it's kind of like
• 6:09
  Speaker 4: comparing Taylor.
• 6:10
  Speaker 5: No, it's not.
• 6:11
  Speaker 4: It's not like comparing Taylor Swift and Beyond. They're not comparable,
• 6:14
  Speaker 4: but I tried to make a comparison that would hopefully
• 6:17
  Speaker 4: tell you, like it's in a way.
• 6:19
  Speaker 2: Much of a muchness.
• 6:20
  Speaker 4: But for me, I probably should get everyday rewards as
• 6:23
  Speaker 4: well for the random times I found myself in Wallies.
• 6:26
  Speaker 5: Just because you might as well.
• 6:28
  Speaker 4: It's asologically exactly, So what do we need to be
• 6:31
  Speaker 4: thinking about when we're like signing up because I think
• 6:34
  Speaker 4: for most of us, just like me, I like lean
• 6:36
  Speaker 4: towards one kind because it just aligns more with just
• 6:39
  Speaker 4: the spending that I already have.
• 6:41
  Speaker 6: So it's totally that's identifying where you shop the most,
• 6:43
  Speaker 6: like what you know you want to do to maximize.
• 6:46
  Speaker 6: So if you're someone who flies more with Virginal flies
• 6:49
  Speaker 6: more with Quantas, that might influence the choice that you
• 6:52
  Speaker 6: make if you're planning to use your points for flights.
• 6:54
  Speaker 6: It's also worth checking which airline partners are associated, because
• 6:59
  Speaker 6: it's not just Virgin and Quantus that fly. Both of
• 7:02
  Speaker 6: them have partner airlines that you can also. I know
• 7:05
  Speaker 6: that when I went to Japan, I think it was
• 7:07
  Speaker 6: might have been Air Japan was under the Virgin umbrella.
• 7:10
  Speaker 4: Yeah, there's a lot of them, correct. I think people
• 7:12
  Speaker 4: think that you have to fly Virgin. You don't have
• 7:14
  Speaker 4: to fly Virgin. You have to fly a airline that
• 7:18
  Speaker 4: is going to accept Velocity points exactly. Like on their website,
• 7:22
  Speaker 4: they have literally so many of them that you can
• 7:24
  Speaker 4: look up Jess. I just want to segway into this
• 7:27
  Speaker 4: because I've just remembered. So we're talking about, you know,
• 7:29
  Speaker 4: having points, and I've said, like I want Velocity points
• 7:32
  Speaker 4: and fly bys, and last year I signed up for
• 7:35
  Speaker 4: one Pass and do you remember the message I was
• 7:38
  Speaker 4: sending you. I just like Jess, Like Jess and I
• 7:41
  Speaker 4: were texting back and forth because like we aren't just
• 7:44
  Speaker 4: like on the podcast talking about this stuff. It's in
• 7:47
  Speaker 4: our real life. I'm like, I feel like I have
• 7:49
  Speaker 4: hacked the system. Did you know if you sign up
• 7:51
  Speaker 4: for one Pass you get all of these points and
• 7:53
  Speaker 4: if you like link it on your phone, you can
• 7:55
  Speaker 4: get double points every time that you shop it CAMA
• 7:58
  Speaker 4: and like we were just like on their website calling
• 8:00
  Speaker 4: through the terms and conditions. I was like, this has
• 8:02
  Speaker 4: to be capped. It's not capped, so tell me a
• 8:05
  Speaker 4: little bit more about I guess other loyalty programs that
• 8:09
  Speaker 4: connect to the ones that we already have to increase
• 8:11
  Speaker 4: our spend. So that's like one Pass, which I think
• 8:14
  Speaker 4: not that many people have heard about.
• 8:16
  Speaker 6: One Pass is a great one and we've seen one Pass.
• 8:19
  Speaker 6: And the other major supporting loyalty program is every Day Extra,
• 8:24
  Speaker 6: which is Everyday Rewards. They're both paid programs, but they
• 8:27
  Speaker 6: both go on sale. We've seen both of them.
• 8:29
  Speaker 2: Go on sale day.
• 8:30
  Speaker 4: That's when I signed up for mine. Yeah, so last
• 8:32
  Speaker 4: year I got it for fifty percent off. So instead
• 8:34
  Speaker 4: of I think it's meant to be like four dollars
• 8:36
  Speaker 4: a month, they get it for two dollars a month.
• 8:37
  Speaker 6: And they're crazy, And we've everyday rewards have gone on
• 8:40
  Speaker 6: sale I think for half price as well. So keep
• 8:41
  Speaker 6: an eye out because you can sometimes pick up that
• 8:43
  Speaker 6: membership at a discounted price. They also will often have
• 8:46
  Speaker 6: additional perks. So for one pass, I know that you
• 8:49
  Speaker 6: can get free shipping on catch you get, you know
• 8:52
  Speaker 6: your four times points on every spend for everyday rewards
• 8:54
  Speaker 6: you get? Is it five percent? I think off of
• 8:56
  Speaker 6: a shot once a month, that might be ten percent.
• 8:58
  Speaker 4: I think it's ten percent. I don't know, but like
• 9:01
  Speaker 4: it's pretty good. The one thing that I will say
• 9:03
  Speaker 4: is I hate when I get to check out and
• 9:05
  Speaker 4: I'm like checking out, I've scanned my Flybys thing, and
• 9:07
  Speaker 4: then it pops up and says, do you want to
• 9:08
  Speaker 4: spend Flybys points? Because I'm like, I don't want to
• 9:12
  Speaker 4: accidentally hit yes, because I just want to be really clear,
• 9:15
  Speaker 4: Love you flybys, love you one pass, but that's actually
• 9:18
  Speaker 4: a really bad exchange of points for money. So like
• 9:22
  Speaker 4: if you're at the checkout and you're like, oh, maybe
• 9:24
  Speaker 4: I should pay you with points. I mean, if you're
• 9:26
  Speaker 4: start for cash, great option totally, but you're not getting
• 9:29
  Speaker 4: good ROI like, you're not getting a good exchange rate,
• 9:33
  Speaker 4: and we need to consider that too, which is like
• 9:36
  Speaker 4: when we talk about or when I talk about the
• 9:38
  Speaker 4: exchange rate, right, it's like how many points per dollar
• 9:41
  Speaker 4: are we basically getting, Like that's really low? But did
• 9:45
  Speaker 4: you know, sorry side not if you go into your
• 9:48
  Speaker 4: Frequent Flyers app, you can turn that notification off when
• 9:51
  Speaker 4: you scan in at COLT.
• 9:53
  Speaker 5: I used do that because it pops up all the time.
• 9:55
  Speaker 2: Yeah, and I always have that minute of like which
• 9:57
  Speaker 2: one do I press? I don't want to do that.
• 9:58
  Speaker 2: I don't want to do that. Yeah, so I go
• 10:01
  Speaker 2: turn that off.
• 10:01
  Speaker 4: I know that you can do it because people have
• 10:03
  Speaker 4: told me that you can do it, but I haven't
• 10:05
  Speaker 4: done it for myself yet. So that's probably like a
• 10:06
  Speaker 4: life admin task. We're both going to do it right
• 10:08
  Speaker 4: after Yeah, okay, all right, all right, So you've told
• 10:11
  Speaker 4: us that you actually have an ecosystem, which is absolutely
• 10:15
  Speaker 4: not how I thought that this was going to go.
• 10:17
  Speaker 4: I thought you were going to be like yep, so
• 10:18
  Speaker 4: points you get one, you spend one. Just got an ecosystem,
• 10:22
  Speaker 4: and it turns out I do too. I did not
• 10:23
  Speaker 4: realize you should know it. Well. I didn't know that
• 10:25
  Speaker 4: you call it an ecosystem, and now it feels more legitimate.
• 10:29
  Speaker 4: I've just got my Flyby as my one pass, I've
• 10:31
  Speaker 4: got all that set up, I've got it all attached
• 10:33
  Speaker 4: to my Velocity. But now we've picked an ecosystem. We've
• 10:38
  Speaker 4: added our like little booster let's call them booster memberships.
• 10:41
  Speaker 4: So you've got your like one pass, all your everyday extras.
• 10:44
  Speaker 4: But you're not done with us yet, are you? Like,
• 10:49
  Speaker 4: otherwise we wouldn't have a whole episode for you.
• 10:51
  Speaker 5: Yep. So you're absolutely right.
• 10:53
  Speaker 6: Because I want to talk about bonus offers, and these
• 10:55
  Speaker 6: are my favorite because they're very easy and weirdly kind
• 10:58
  Speaker 6: of satisfying.
• 10:58
  Speaker 4: Oh my goodness, are they ever like talking about bonus?
• 11:02
  Speaker 4: There was a bonus ages ago when I was buying
• 11:04
  Speaker 4: my iPhone. This is probably not how normal people function.
• 11:08
  Speaker 4: Sh Yes, Love it you've got a whole heap of
• 11:10
  Speaker 4: points if you're buying gift cards, but the same amount
• 11:14
  Speaker 4: of points on my phone wouldn't be it. And I
• 11:17
  Speaker 4: remember there was like some weirdly specific like numeric value
• 11:20
  Speaker 4: you had to buy like one hundred dollars gift cards. Yeah,
• 11:22
  Speaker 4: so I bought like twenty of them. Yeah points, Queen,
• 11:25
  Speaker 4: it's queen, Yeah, it's queen. You should have seen the
• 11:28
  Speaker 4: receipt when I checked out with my iPhone because it
• 11:31
  Speaker 4: was like this, poor girl. Anyway, I regret nothing, sorry
• 11:34
  Speaker 4: about that.
• 11:35
  Speaker 6: Well, both flybys and Everyday rewards run in app offers
• 11:38
  Speaker 6: every single weeks. If you don't have the apps, get
• 11:40
  Speaker 6: the apps. There's things like if you spend a said
• 11:43
  Speaker 6: amount of groceries, say fifty dollars in groceries, you get
• 11:45
  Speaker 6: a thousand bonus points. Honey, mean buy a specific product
• 11:49
  Speaker 6: that they want to promote, you get triple the points.
• 11:51
  Speaker 4: But you're already going to be spending money on groceries.
• 11:54
  Speaker 4: If it means that you're like, oh, should I do
• 11:56
  Speaker 4: the grocery shop today.
• 11:57
  Speaker 2: Or hold on?
• 11:58
  Speaker 4: Bonus points are on Monday, I might just push it
• 12:00
  Speaker 4: out like a day or two. If you can or
• 12:03
  Speaker 4: like specific point. Can you build your menu around that?
• 12:06
  Speaker 6: Well, that's it, because sometimes they'll even do ones where
• 12:08
  Speaker 6: it's like a four week challenge.
• 12:09
  Speaker 5: It's like spend one hundred dollars every week for four weeks.
• 12:11
  Speaker 6: So what we'll often do is push our higher ticket
• 12:14
  Speaker 6: items out so that insteadifying because in our household, for example,
• 12:17
  Speaker 6: idrin pepsimax, my boyfriend drinks coke zero, so will alternate
• 12:22
  Speaker 6: the week use me, I know, not even a diet coke.
• 12:25
  Speaker 5: Can you believe it?
• 12:25
  Speaker 4: They're only diet coke in this house. In saying that,
• 12:27
  Speaker 4: I don't know if everyone's seen the video. I did
• 12:30
  Speaker 4: a blind taste test of the two and it turns
• 12:32
  Speaker 4: out I can't tell the difference. But if you show
• 12:34
  Speaker 4: me the can I know they both days like debt
• 12:36
  Speaker 4: but deien. So splitting up your higher priced purchases across
• 12:40
  Speaker 4: those four.
• 12:40
  Speaker 2: Weeks and you just so you know, if you're gonna
• 12:43
  Speaker 2: you're not going to be invited back on this podcast
• 12:45
  Speaker 2: if you smack talk coke lives.
• 12:46
  Speaker 5: So I deeply apologize.
• 12:48
  Speaker 6: So activating those offers, keeping track of you know what's available,
• 12:51
  Speaker 6: you can then you know, build it around your half
• 12:53
  Speaker 6: priced specials and things like that to still keep your
• 12:55
  Speaker 6: costs down while maximizing the points you can get.
• 12:58
  Speaker 4: Yeah, I feel like people think this is really commated
• 13:00
  Speaker 4: and they're like, oh, I don't even know where to
• 13:01
  Speaker 4: start with points. Baby, just sign up for fly buys.
• 13:04
  Speaker 4: You sign up for fly buys, you can get the card.
• 13:07
  Speaker 4: It's either a card you're keeping your wallet, or I
• 13:09
  Speaker 4: have mine on my pay pass, Like what is it
• 13:11
  Speaker 4: like the Apple pay or whatever it or there, It's
• 13:14
  Speaker 4: just on my phone. I'm just collecting points. It's not
• 13:17
  Speaker 4: going to happen overnight. But then you'll check and one
• 13:19
  Speaker 4: day you'll be like new iPod MAXs, perfect iPod AirPod,
• 13:23
  Speaker 4: AirPod MAXs.
• 13:25
  Speaker 5: And that's a good reminder for people.
• 13:26
  Speaker 6: Pop your cards in your wallet, because I feel like
• 13:28
  Speaker 6: the barrier for a lot of people is not remembering
• 13:30
  Speaker 6: that they have it. Or if you have a partner
• 13:32
  Speaker 6: and you have one card, put them on your Apple wallets.
• 13:34
  Speaker 4: Or if you're like me and you have become a
• 13:37
  Speaker 4: mum and you are spending a lot at camar LOLd jokes.
• 13:40
  Speaker 2: Everybody spends a lot of money.
• 13:41
  Speaker 4: It came up, But I feel like I'm keeping them
• 13:43
  Speaker 4: in business by buying their baby clothes, link your cards
• 13:48
  Speaker 4: through your like camart login, so it's like one and done,
• 13:51
  Speaker 4: so you don't have to remember when you're online checking out.
• 13:53
  Speaker 4: All the information is just like in there, but like
• 13:55
  Speaker 4: I do that through my one pass anyway. But we've
• 13:58
  Speaker 4: picked our program, j Yes, we've you know, doubled up
• 14:02
  Speaker 4: with boosted our points. But bearsties, we are just getting started,
• 14:06
  Speaker 4: So we're going to go to a really quick break,
• 14:08
  Speaker 4: and after the break, Jess is going to take us
• 14:10
  Speaker 4: even deeper into the world of points stacking and how
• 14:13
  Speaker 4: to make even more points go even further. Stick around, Jess,
• 14:21
  Speaker 4: welcome back. I'm very excited that you are still here.
• 14:23
  Speaker 4: Thanks for sticking around, even though you're like pepsi not
• 14:25
  Speaker 4: diet coke. But before we go any further, I was
• 14:29
  Speaker 4: doing a bit of research for this episode and I
• 14:31
  Speaker 4: actually have to talk about this now. I feel like
• 14:34
  Speaker 4: it is like the wildest points hack of the year,
• 14:37
  Speaker 4: and it involves a bath toy.
• 14:38
  Speaker 5: Oh, I have seen these tell us all about it.
• 14:40
  Speaker 4: So a few weeks ago, Big w had this random
• 14:45
  Speaker 4: three dollars fifty like bath toy. It was literally like
• 14:48
  Speaker 4: a duck, like a little yellow rubber ducky right, and
• 14:51
  Speaker 4: for some reason it was earning one thousand Quantus points
• 14:55
  Speaker 4: per duck. Crazy three dollars fifty for a thousand points, right,
• 14:59
  Speaker 4: and because every rewards links to Quantus Frequent Flyer, a
• 15:03
  Speaker 4: few very clever people they worked out that by buying
• 15:06
  Speaker 4: a couple of hundred ducks could actually score them business
• 15:10
  Speaker 4: class flights for approximately eleven hundred dollars. So they had
• 15:15
  Speaker 4: done all of their numbers and worked out, all, right,
• 15:17
  Speaker 4: I need to buy this many rubber ducks. Obviously, they
• 15:21
  Speaker 4: sold big w out of bloody rubber ducks, like literally,
• 15:25
  Speaker 4: it was posted like an hour before in a points
• 15:28
  Speaker 4: hacking group on Facebook and then it sold out completely
• 15:31
  Speaker 4: And I just thought that was insane. I also don't
• 15:34
  Speaker 4: endorse it though, so like, don't get me wrong, if
• 15:36
  Speaker 4: you were planning on, you know, purchasing business class flights, fantastic,
• 15:42
  Speaker 4: I think, But also what waste? Like, why are you
• 15:45
  Speaker 4: buying you know, three hundred and fifty bloody rubber ducks?
• 15:50
  Speaker 2: Jess, Yeah, look, what are you going to do with that?
• 15:52
  Speaker 4: Like it sounds good in theory, but I think it
• 15:54
  Speaker 4: was a bit of a mess up. I don't think
• 15:56
  Speaker 4: they meant to give you a thousand points on rubber ducks, Like,
• 15:58
  Speaker 4: I don't know the semantics of that situation, but the
• 16:01
  Speaker 4: idea that you're purchasing stuff you don't need for points,
• 16:05
  Speaker 4: I'm just like, Babe, that's naughty. That's not the point
• 16:07
  Speaker 4: of points hacking. Points hacking for me is about spending
• 16:11
  Speaker 4: money that I was going to already spend, but getting
• 16:13
  Speaker 4: a bonus or a benefit for doing so.
• 16:16
  Speaker 6: Yeah, definitely, And it's really easy to have, you know,
• 16:19
  Speaker 6: I think going back to the bonus points thing, if
• 16:22
  Speaker 6: there's something that you use and you know you're always
• 16:24
  Speaker 6: going to use, I've done it with like toilet paper,
• 16:27
  Speaker 6: or again when soft drinks on sale, or something that
• 16:29
  Speaker 6: I know.
• 16:30
  Speaker 5: You're going to use all the time, we buy it
• 16:32
  Speaker 5: all the time.
• 16:33
  Speaker 6: And if we've got the funds in our budget to
• 16:34
  Speaker 6: purchase the head, maybe we'll buy a couple of extra
• 16:37
  Speaker 6: when they're on you know, some kind of bonus points exactly,
• 16:40
  Speaker 6: But buying three hundred and fifty.
• 16:41
  Speaker 4: Rubber ducks, as you said, like, I think it's fun
• 16:45
  Speaker 4: and I loved reading the article and it's clearly very relevant,
• 16:48
  Speaker 4: but for me, it's actually not a benefit, Like, what
• 16:51
  Speaker 4: are you going to do start a rubber duck shop,
• 16:53
  Speaker 4: I would te hundred and fifty people who want to
• 16:55
  Speaker 4: buy rubber ducks. Yeah, it's absolutely besteful.
• 16:58
  Speaker 2: Also, what were you going to do return them? Ill?
• 17:00
  Speaker 5: No, No, when you return things, they exactly exactly.
• 17:04
  Speaker 4: So I think it's just it's very important that we're
• 17:07
  Speaker 4: taking this into consideration. So you've told me a lot
• 17:10
  Speaker 4: about like the points stacking, and that makes sense, and
• 17:12
  Speaker 4: I feel like I'm ticking all the boxes here mainly
• 17:15
  Speaker 4: guided by you, if I'm being honest. But one thing
• 17:18
  Speaker 4: we haven't mentioned that isn't points. Just we're obviously checking
• 17:22
  Speaker 4: out online getting some points, but like we're using shopback right.
• 17:26
  Speaker 6: Hm, shop back, cash rewards, any kind of cash back
• 17:28
  Speaker 6: platform is a great way to double dip.
• 17:31
  Speaker 4: Yeah, like double dipping, Like I want to double dip,
• 17:33
  Speaker 4: so if I can, I'm ordering online because you can literally,
• 17:38
  Speaker 4: So if you're doing your like weekly grocery shop, not
• 17:40
  Speaker 4: only is it going to be more planned to do
• 17:42
  Speaker 4: click and collect, but you can literally check out through
• 17:45
  Speaker 4: one of your cash rewards programs and like get your
• 17:47
  Speaker 4: five percent back or get your couple of percent back,
• 17:50
  Speaker 4: and then your fly bys points and it becomes like
• 17:53
  Speaker 4: a game. Yeah, you are gammifying, grocery shopping, and once
• 17:56
  Speaker 4: you start thinking.
• 17:57
  Speaker 6: About it, it becomes really like second nature to go, Okay, well,
• 18:00
  Speaker 6: if I'm going to get something and they sell it
• 18:03
  Speaker 6: at BW and they sell it, it came up, well, I'm
• 18:04
  Speaker 6: going to go to whichever one aligns with the points that.
• 18:07
  Speaker 2: I one hundred want to collect one hundred percent.
• 18:09
  Speaker 4: And I mean you mentioned before like your petrol, and
• 18:12
  Speaker 4: I feel like this is one that I hadn't thought
• 18:14
  Speaker 4: about deeply enough. Now I have, obviously, but like at
• 18:18
  Speaker 4: the time I thought, oh this ecosystem thing. At the time,
• 18:21
  Speaker 4: I didn't know it was an ecosystem. It just gets
• 18:23
  Speaker 4: too complex, Like I'm like, oh, is it like cowtext?
• 18:26
  Speaker 4: Do I go to seven eleven? Like where am I
• 18:28
  Speaker 4: going to do this? Talk to me about partner stores,
• 18:33
  Speaker 4: like because like you have it all mapped out, like
• 18:35
  Speaker 4: you know that these are the stores that I get
• 18:37
  Speaker 4: the best rewards at. So like, I know you hold
• 18:39
  Speaker 4: off getting petrol. You have literally broken down on the
• 18:41
  Speaker 4: freeway before because you've been waiting to get petrol at
• 18:45
  Speaker 4: the right petrol station. So don't be like Jessica, no,
• 18:48
  Speaker 4: But I mean we could learn a little bit.
• 18:51
  Speaker 6: Definitely, So I always fill up at a seven eleven
• 18:53
  Speaker 6: or a Shell Calls Express because they're partnered with Velocity.
• 18:57
  Speaker 6: And again you can lack your one past example you
• 18:59
  Speaker 6: gave early. You can link all of these things online.
• 19:02
  Speaker 6: So I use the seven eleven app that's got my
• 19:04
  Speaker 6: Velocity card linked to it. So I scan my seven
• 19:07
  Speaker 6: eleven app in store, which is great because I also
• 19:09
  Speaker 6: will often scan it because I'm using the fuel lock
• 19:13
  Speaker 6: program saving money on fuel. There again, we're double dipping
• 19:16
  Speaker 6: where we can. If you are in the Everyday Rewards camp,
• 19:19
  Speaker 6: the Woolies fuel stations are the ones that you want
• 19:21
  Speaker 6: to fill out at. Both of those platforms also will
• 19:23
  Speaker 6: run bonuses, so at seven eleven it'll often be, you know,
• 19:27
  Speaker 6: buy a meat pie and something and get an extra
• 19:29
  Speaker 6: five hundred points.
• 19:30
  Speaker 4: Or speaking of meat piles, did you see my video
• 19:33
  Speaker 4: on meat piles? Because I did a collab with seven
• 19:35
  Speaker 4: eleven because obviously I'm obsessed with them and I literally
• 19:40
  Speaker 4: love working with seven eleven. Like this is so lame,
• 19:42
  Speaker 4: but like my seven eleven partnership came from a spat
• 19:46
  Speaker 4: I had online with a local coffee shop. Do you
• 19:49
  Speaker 4: remember that condescending man who told me that if I
• 19:52
  Speaker 4: wanted to afford the good things in life, like I
• 19:55
  Speaker 4: probably should get a real job. Anyway, that was really fun.
• 19:58
  Speaker 4: If you want to look up coffee gate, you can
• 20:00
  Speaker 4: to google Victoria Divine coffee shop and it'll come up.
• 20:02
  Speaker 4: It's all over the Daily Mail. But he also told
• 20:06
  Speaker 4: me that if I can't afford the coffee at his
• 20:08
  Speaker 4: coffee shop, because I had said online, oh my god, guys,
• 20:11
  Speaker 4: like an oat latte for seven dollars, Like, wasn't complaining.
• 20:14
  Speaker 4: I was literally posting something that we were all thinking.
• 20:17
  Speaker 4: Didn't name and shame his cafe, just to be very clear,
• 20:20
  Speaker 4: wasn't being rude. I posted a blank coffee cup. But
• 20:24
  Speaker 4: he knew that I went to his cafe, so he
• 20:25
  Speaker 4: was not impressed, and he told me that I should
• 20:28
  Speaker 4: go seven eleven.
• 20:29
  Speaker 2: So you know what I did. I went to seven
• 20:31
  Speaker 2: eleven and the coffee there was better and a lot
• 20:34
  Speaker 2: cheaper as well, a lot cheaper.
• 20:36
  Speaker 4: But recently people were like, Victoria Devine doesn't eat meat pies,
• 20:39
  Speaker 4: Like this video is phony, Jess. We love a meat pie.
• 20:44
  Speaker 4: We love a slope. Our old office used to be.
• 20:47
  Speaker 4: Do you remember the one on Burk Street. AH used
• 20:49
  Speaker 4: to be around the corner and we would literally be like, okay, cool,
• 20:53
  Speaker 4: so if we get this one piece of work time,
• 20:55
  Speaker 4: we get a meat pie and a slope.
• 20:57
  Speaker 5: It was messed.
• 20:57
  Speaker 2: Literally Marney Ween.
• 20:59
  Speaker 4: Anyway, I just felt like I needed to say that
• 21:01
  Speaker 4: because I am so proud of that partnership that like,
• 21:04
  Speaker 4: I talk about it because I love it, not because
• 21:06
  Speaker 4: they're paying me guys. And if it's in the ecosystem, oh,
• 21:08
  Speaker 4: I love an ecosystem. I'm going to refer to it
• 21:11
  Speaker 4: as an ecosystem to my husband and see how he
• 21:13
  Speaker 4: feels about fancy it does.
• 21:15
  Speaker 5: Another good one is liquor Land.
• 21:17
  Speaker 6: They're linked to Flybys, so if I'm restopping the wine rack,
• 21:20
  Speaker 6: buying a bottle is a gift or throwing a party, I'll.
• 21:23
  Speaker 5: Always try and go there instead of going somewhere random.
• 21:25
  Speaker 2: Because it gets fair.
• 21:26
  Speaker 6: They'll sometimes offer points deals, and when it comes to
• 21:29
  Speaker 6: my car, I will get my car service more often
• 21:32
  Speaker 6: than not.
• 21:32
  Speaker 5: At my car. I get my tires and stuff.
• 21:34
  Speaker 6: There too, because it used to be the Kmart one right, yeah,
• 21:37
  Speaker 6: so my car's Camart tire and order I think rebranded.
• 21:41
  Speaker 6: They often include free roadside assistance with your services, which
• 21:44
  Speaker 6: I have used when I had my flat tire re.
• 21:46
  Speaker 2: So that is actually so funny.
• 21:48
  Speaker 6: Came my free roadside assistance came out, sorted me out,
• 21:50
  Speaker 6: But I got fly.
• 21:51
  Speaker 2: This isn't the first time you've required roadside assistance.
• 21:53
  Speaker 5: Oh no, I'm a regular.
• 21:55
  Speaker 2: You're like, oh, I.
• 21:56
  Speaker 4: See that the fuel gauge is flashing red. That just
• 22:00
  Speaker 4: mean it's having a.
• 22:00
  Speaker 6: Good day, the brave day, but earning Flybys points on
• 22:05
  Speaker 6: my service. They sometimes will offer bonus points there as well.
• 22:08
  Speaker 6: I think one time I got like twenty thousand bonus points.
• 22:11
  Speaker 6: So if you need a log book service or something
• 22:14
  Speaker 6: looked at it's going to cost you a bit of
• 22:15
  Speaker 6: money anyway, you might as well squeeze all the value
• 22:18
  Speaker 6: you can out of it, is my philosophy.
• 22:20
  Speaker 4: And she literally does like that's why she's on this
• 22:23
  Speaker 4: episode because she's so much better at it than I am.
• 22:26
  Speaker 4: I'm like, oh, I don't have that many points, and
• 22:28
  Speaker 4: then I kind of like, don't do that much about it,
• 22:30
  Speaker 4: just as like, excuse me, what, like you should see
• 22:33
  Speaker 4: her account balance is honestly shocking.
• 22:35
  Speaker 6: I would always say just check the partner stores first
• 22:38
  Speaker 6: and remember because I know sometimes people will say, you know,
• 22:41
  Speaker 6: the prices might not be as good the place that's
• 22:43
  Speaker 6: more favorable for your point system. But a lot of stores,
• 22:46
  Speaker 6: like office Works for example, will price match and office
• 22:49
  Speaker 6: Works is.
• 22:50
  Speaker 2: Not going to let you get away without getting a
• 22:52
  Speaker 2: good deal.
• 22:53
  Speaker 6: So look at price matching as well if that's something
• 22:55
  Speaker 6: that you're concerned about.
• 22:56
  Speaker 4: One hundred percent, And as I mentioned before, obviously if
• 22:59
  Speaker 4: you're shopping online, make sure you're using other platforms like
• 23:02
  Speaker 4: shop backs so that you're getting cash back. But they
• 23:04
  Speaker 4: aren't points related, but both Quantus and also Virgin they
• 23:08
  Speaker 4: have their own online like shops or online malls or
• 23:11
  Speaker 4: whatever we want to call it. So basically you can
• 23:13
  Speaker 4: click through their site before heading to I guess stores,
• 23:17
  Speaker 4: so you like log into your Virgin and then go, oh,
• 23:20
  Speaker 4: I do want to hit like the iconic. I really
• 23:22
  Speaker 4: want to go to Sephora or David Jones or whatever.
• 23:25
  Speaker 4: But when you do it that way, you can often
• 23:27
  Speaker 4: earn like bonus points on your shop. You're not necessarily
• 23:30
  Speaker 4: spending your points, but you're like getting more points because
• 23:33
  Speaker 4: you're logged in, which is a money win. And like
• 23:35
  Speaker 4: Quantus actually have just like shop Back, they have like
• 23:38
  Speaker 4: a browser extension. It's called points Prompter, and it just
• 23:42
  Speaker 4: pops up while you're online shopping to let you know
• 23:44
  Speaker 4: where like bonus points could be made. So it's like
• 23:47
  Speaker 4: doing it for you, which I think is really cool. Now,
• 23:50
  Speaker 4: I also wanted to touch on this. I know that
• 23:52
  Speaker 4: you buy stuff, Jess, like you're really good at like
• 23:55
  Speaker 4: getting like a stand mixer and stuff. I have had
• 23:58
  Speaker 4: this debate a few times with Brook in our team,
• 24:00
  Speaker 4: who's also a very big points hacker, Like if she
• 24:02
  Speaker 4: wasn't based in Perth, this would be a three way conversation,
• 24:06
  Speaker 4: but she would never buy things from the online shops
• 24:10
  Speaker 4: that like Virgin or Quantus have because she's done the
• 24:13
  Speaker 4: mats and.
• 24:13
  Speaker 2: The conversion doesn't make sense.
• 24:15
  Speaker 4: But then I also know that you're making sure you're like, well,
• 24:18
  Speaker 4: I'm not just going to save it all for travel,
• 24:19
  Speaker 4: because like I was going to buy air pods.
• 24:21
  Speaker 2: My AirPods are free, I'm not going to like for me.
• 24:25
  Speaker 6: It's about like if I want something, but I'm not
• 24:27
  Speaker 6: exactly to pay the money for me.
• 24:29
  Speaker 5: It's yeah, but you're absolutely right, But.
• 24:30
  Speaker 4: I wanted to talk about it, like the conversion is
• 24:32
  Speaker 4: not incredible, but like you're getting an item for free, Yeah,
• 24:36
  Speaker 4: that's a better deal than you know, saving it for
• 24:39
  Speaker 4: travel for you because you're like, well, I don't know
• 24:41
  Speaker 4: when I'm going to do x YZ, or like that's
• 24:44
  Speaker 4: not in my value system at the moment. So like, yes,
• 24:47
  Speaker 4: we want to make sure we know how to get
• 24:49
  Speaker 4: the best possible deal. But also like Jess, she was
• 24:52
  Speaker 4: never going to buy a stand mixer from kitchen Aid
• 24:54
  Speaker 4: that was like nearly one thousand dollars.
• 24:56
  Speaker 2: Get it on points.
• 24:57
  Speaker 5: Exactly right, But talk us through the best way to
• 24:59
  Speaker 5: get the flight.
• 25:00
  Speaker 4: Yeah, yes, So when it comes to flights, there are
• 25:02
  Speaker 4: actually a few good tips that have come out of
• 25:04
  Speaker 4: our Facebook group. So I went through the Facebook group
• 25:06
  Speaker 4: and was like, let's do a little roundup rewards seats.
• 25:10
  Speaker 4: So they're the seats that you can buy with your points.
• 25:13
  Speaker 4: They are usually limited, and it usually works out to
• 25:16
  Speaker 4: book really early for your holiday or your flight or
• 25:20
  Speaker 4: books super last minute, so there are usually only four
• 25:23
  Speaker 4: or fewer, which was wild seats per flight in premium
• 25:27
  Speaker 4: cabins available and they go really quickly. Like remember when
• 25:30
  Speaker 4: we were booking to go to the Uses and were
• 25:33
  Speaker 4: points ACKed it. Yeah, we points hacked our way to
• 25:35
  Speaker 4: the US and like just so you know, guys, we
• 25:37
  Speaker 4: flew the whole team business class to the US and
• 25:42
  Speaker 4: it was lovely. It was so nice, but it was
• 25:45
  Speaker 4: because we were points hackers. But the way that we
• 25:48
  Speaker 4: did that meant that, you know, we weren't on the
• 25:51
  Speaker 4: most popular flight time, right, Like we all had to
• 25:54
  Speaker 4: chat and we were like, okay, cool, Like we all
• 25:56
  Speaker 4: want to fly business, we can be a little bit
• 25:59
  Speaker 4: flexible on them. And we booked so far in advance
• 26:02
  Speaker 4: that meant that we could. But then on our return
• 26:05
  Speaker 4: flights we hadn't worked it out, so we booked super
• 26:08
  Speaker 4: last minute and ended up getting business class. So I
• 26:10
  Speaker 4: think it's really important to understand how the booking works
• 26:14
  Speaker 4: because if you're like, oh, I might go in like
• 26:16
  Speaker 4: a month, not going to lie to you, there's probably
• 26:19
  Speaker 4: not going to be points flights available yep, or your
• 26:22
  Speaker 4: points are not going to go that far because your
• 26:26
  Speaker 4: points to upgrade or to go on that flight might
• 26:30
  Speaker 4: be all of your points or completely astronomical and a
• 26:32
  Speaker 4: really bad like exchange, if that makes sense, whereas the
• 26:37
  Speaker 4: exchange that we did it was incredibly reasonable. So I
• 26:40
  Speaker 4: would be making sure that you're either booking soon as
• 26:43
  Speaker 4: the flights are released or getting ready to pounce like
• 26:46
  Speaker 4: really last minute when the airlines actually just drop all
• 26:49
  Speaker 4: of their unsold seats upgrades, So you know how people are, like,
• 26:53
  Speaker 4: should I, and this is a guess, is a good question.
• 26:55
  Speaker 4: Should I buy a flight with one hundred percent points?
• 27:00
  Speaker 4: Or should I buy the flight and then upgrade with points?
• 27:02
  Speaker 4: Usually upgrades are going to get you better value than
• 27:05
  Speaker 4: full redemptions, and that's what we did. So we had
• 27:09
  Speaker 4: normal flights that we upgraded with points. Otherwise it would
• 27:12
  Speaker 4: have been astronomical. So if you already paid for like
• 27:15
  Speaker 4: an economy seat, using your points to upgrade to business
• 27:19
  Speaker 4: or premium economy often gives way more bang for your
• 27:22
  Speaker 4: buck than using points to book the flight out right.
• 27:24
  Speaker 4: And I have done this recently. I have a wedding
• 27:27
  Speaker 4: in August. It is in Bali. I have booked flights,
• 27:31
  Speaker 4: but the way that Steve and I did it, I
• 27:32
  Speaker 4: booked economy flights and then we've just upgraded using points
• 27:36
  Speaker 4: to fly business gorgeous. But I'm not going to pay
• 27:39
  Speaker 4: for business class flights. Like, please don't get me wrong,
• 27:42
  Speaker 4: I don't know at what point in my career I
• 27:44
  Speaker 4: will be comfortable spending money like that amount of money
• 27:49
  Speaker 4: on business class flights.
• 27:50
  Speaker 2: Crazy, Like, at what point do you go?
• 27:52
  Speaker 4: Oh, yeah, ten thousand dollars is reasonable for flights.
• 27:56
  Speaker 6: Yeah, and it's something that for me, I'm like, that's
• 27:58
  Speaker 6: just something I could simply never afford until I started
• 28:01
  Speaker 6: using points and I.
• 28:01
  Speaker 5: Was like, oh, this is how people do it.
• 28:04
  Speaker 4: Yeah, like even like and please don't get me wrong,
• 28:07
  Speaker 4: I am not so silly to think that you're not
• 28:10
  Speaker 4: looking at me and going Victoria. You absolutely could afford
• 28:13
  Speaker 4: ten thousand dollars if you want to, Yes, and I
• 28:15
  Speaker 4: am so grateful I can. That is a dumb financial
• 28:18
  Speaker 4: decision on my behalf. I'm not doing it, like, I
• 28:21
  Speaker 4: don't care how much money I have. I'm not wasting
• 28:23
  Speaker 4: that much money on a flight. But you best believe
• 28:26
  Speaker 4: my points will get me there. So if I don't
• 28:28
  Speaker 4: want a business class flight, you best believe, girl, it's
• 28:31
  Speaker 4: a flex because I've.
• 28:32
  Speaker 2: Points hacked my way there.
• 28:33
  Speaker 5: Incredible.
• 28:34
  Speaker 4: The other thing I would say is consider using your
• 28:37
  Speaker 4: points for accommodation instead of flights. So I was lucky
• 28:41
  Speaker 4: enough that we had heaps of points when Steve and
• 28:43
  Speaker 4: I did Europe. So we did Europe when Harvey was
• 28:46
  Speaker 4: four months old, and we actually booked a heap of
• 28:48
  Speaker 4: our accommodation subsidized with points, which ended up working so well.
• 28:54
  Speaker 4: But another community member I saw in our Facebook group
• 28:57
  Speaker 4: had shared that it worked out to be cheaper to
• 28:59
  Speaker 4: pay cash for their flights to Europe and then they
• 29:02
  Speaker 4: use their points to cover ten nights of accommodation in
• 29:04
  Speaker 4: London and Barcelona. So flights aren't necessarily always the best value,
• 29:10
  Speaker 4: especially when hotels in really big cities can be really
• 29:13
  Speaker 4: really Expensive's great, have a look at that, because like
• 29:15
  Speaker 4: I know that you and I are like, oh, business
• 29:17
  Speaker 4: class so nice, But it's not always about just upgrading
• 29:21
  Speaker 4: and having business class flights, Like sometimes I want my
• 29:23
  Speaker 4: economy flights to be free, you know. Yeah, Like that's
• 29:26
  Speaker 4: the biggest flex not spending money. And if you want
• 29:31
  Speaker 4: to compare points to value, because like I'm all about
• 29:33
  Speaker 4: a ratio here, we all know I'm an investing queen,
• 29:36
  Speaker 4: points value to the cash price, right, so you know
• 29:40
  Speaker 4: how I'm saying, Oh, it's not a good exchange. How
• 29:42
  Speaker 4: do you work out your exchange rate? I've got a
• 29:44
  Speaker 4: stat for you, per so before booking, I would divide
• 29:48
  Speaker 4: the ticket cost by the number of points required. And
• 29:52
  Speaker 4: if you're getting at least like one point five to
• 29:55
  Speaker 4: two cents per point, that's a good deal. So I
• 29:58
  Speaker 4: want it to be like one point five to two
• 30:00
  Speaker 4: cents a point. I feel like that's a good deal.
• 30:03
  Speaker 4: That's a good deal. If you want flexibility, I wouldn't
• 30:07
  Speaker 4: limit yourself to just one airlines points either.
• 30:09
  Speaker 2: Sorry.
• 30:10
  Speaker 4: One of how She's on the Money community members actually
• 30:12
  Speaker 4: shared that she prefers not to stick to just Quantus
• 30:15
  Speaker 4: or Velocity. She actually collects both, like just re read
• 30:18
  Speaker 4: she so that she has more options available across lots
• 30:21
  Speaker 4: of different airlines and partners, and that honestly gives you
• 30:25
  Speaker 4: a better shot at finding availability and sometimes better value
• 30:28
  Speaker 4: for your points. And that's something to think about if
• 30:30
  Speaker 4: that's important for you. So, if today has taught us anything, Jess,
• 30:36
  Speaker 4: it's that you actually just don't need a fancy credit
• 30:39
  Speaker 4: card to start collecting points, and you actually don't need
• 30:41
  Speaker 4: six hundred duck buck points, like really don't if you
• 30:44
  Speaker 4: want to make points work.
• 30:45
  Speaker 6: For you totally, and the b reminder you are collecting
• 30:49
  Speaker 6: the points, the points are not collecting you.
• 30:51
  Speaker 2: Okay.
• 30:52
  Speaker 5: Yeah.
• 30:52
  Speaker 2: I feel like people get like real like caught up
• 30:55
  Speaker 2: in it. And it's easy too.
• 30:56
  Speaker 5: It's addictive, Like.
• 30:57
  Speaker 4: I remember when you were like literally so close to
• 31:00
  Speaker 4: having enough points for your stand mixer, which I think
• 31:03
  Speaker 4: was your big first points purchase. Yeah, like say, this
• 31:06
  Speaker 4: is genuinely something we talk about in our team all
• 31:09
  Speaker 4: the time. And you were like, oh my god, the
• 31:11
  Speaker 4: I'm like three hundred points away and you kept checking
• 31:13
  Speaker 4: every day to see what was coming in because you've
• 31:15
  Speaker 4: linked everything.
• 31:16
  Speaker 2: You were like, surely, surely.
• 31:18
  Speaker 5: Now, yeah, genuinely.
• 31:19
  Speaker 6: Like we said earlier, the rewards can be amazing, but
• 31:22
  Speaker 6: they only make sense if you're spending the money you
• 31:24
  Speaker 6: are going to spend anyway exactly.
• 31:27
  Speaker 4: All right, Well, I feel like that is a very
• 31:28
  Speaker 4: good place to leave it. And ah, a very big
• 31:32
  Speaker 4: thank you to our resident Points queen, Miss Grici, for
• 31:36
  Speaker 4: sharing all of her tips and her tricks and genuinely
• 31:38
  Speaker 4: iconic hacks, even though I don't agree with the fact
• 31:41
  Speaker 4: that she drinks pepsi with us today. And guys, if
• 31:44
  Speaker 4: you enjoyed today's chat and now you're low key planning
• 31:46
  Speaker 4: on how to turn your grocery shop into a holiday
• 31:49
  Speaker 4: or even a kitchen and stand mixer, make sure you
• 31:51
  Speaker 4: follow or subscribe so that you don't miss out on
• 31:54
  Speaker 4: our next episode. And hey, if you've got a wild
• 31:56
  Speaker 4: points win or a stacking strategy that we need to
• 31:59
  Speaker 4: know that we haven't covered today. Please drop it into
• 32:03
  Speaker 4: the She's on the Money Facebook group to benefit the
• 32:05
  Speaker 4: whole community because we are always here for a points
• 32:08
  Speaker 4: hacking suggestion.
• 32:09
  Speaker 5: Absolutely, we are see.
• 32:11
  Speaker 2: You next week. Guys, I.
• 32:18
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• 32:22
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