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Your Top Christmas Savings Hacks! · She's On The Money

0:00
Speaker 1: Hello.
0:01
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
0:05
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
0:11
Speaker 2: like to acknowledge the traditional custodians of the land of
0:14
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
0:18
Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: 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 the podcast Millennials who want Financial Freedom.
1:04
Speaker 4: My name is Jessica Ricki and today I'm here as
1:06
Speaker 4: always with Queen Victoria Divine.
1:09
Speaker 5: Hello, jous, I'm actually really disappointed in you today. Why
1:13
Speaker 5: because you could have started that as Hello and welcome
1:16
Speaker 5: to She's on the Money the podcast.
1:18
Speaker 4: But happy Christmat Do you know what I've missed? And
1:20
Speaker 4: we made this pun last year. I'm going to start again.
1:22
Speaker 4: Everybody pretend this is the start. Hello and welcome to
1:24
Speaker 4: Trees on the Money Y the Podcast Millennials who want
1:28
Speaker 4: financial freedom.
1:28
Speaker 2: You.
1:29
Speaker 1: I can't believe. I'm miss I'm really disappointed in you.
1:32
Speaker 1: We have it on a ball ball and everything.
1:33
Speaker 5: After this episode is recorded, you need to go and
1:36
Speaker 5: think about what you've done.
1:37
Speaker 1: I'll go Seeck in the corner. But do you want
1:39
Speaker 1: to talk about Christmas?
1:40
Speaker 5: I always want to talk about Christmas, and everybody is surprised.
1:43
Speaker 1: Not at all.
1:44
Speaker 4: Last year we did four episodes. This year we've rained
1:46
Speaker 4: it in and this is the second of two.
1:48
Speaker 1: But I'm really disappointed.
1:50
Speaker 5: But we did have to negotiate them down because there
1:52
Speaker 5: were so many other topics I really wanted to cover
1:54
Speaker 5: one hundred percent.
1:55
Speaker 4: We love Christmas and we love the community. It gets
1:58
Speaker 4: us so excited to hear everybody's money, wins and tips.
2:01
Speaker 4: So we thought, why not combine all of those things
2:04
Speaker 4: together into this one fun, amazing episode.
2:07
Speaker 1: How are we incorporating investing, Jess? We're not okay? All
2:11
Speaker 1: the things you love? Yeah, all the things I love.
2:13
Speaker 5: So honestly, no one thought about me today. It's fine,
2:17
Speaker 5: all right, Jess. Today we are obviously celebrating our top ten.
2:21
Speaker 5: She's on the money community Christmas savings hacks. Because recently
2:25
Speaker 5: we asked you guys for your tips and tricks, and
2:27
Speaker 5: you obviously delivered. So today, Jess, you and I are
2:30
Speaker 5: going to be picking our top five each and we're
2:32
Speaker 5: gonna be sharing them on the show. Now, what you
2:35
Speaker 5: guys didn't know is that we've mixed them up because
2:38
Speaker 5: Jess and I could not pick which ones were our
2:41
Speaker 5: top five, so we put them together and we have
2:43
Speaker 5: a list of ten. And it's gonna be like picking
2:46
Speaker 5: team members in primary school for your sporting team, and
2:49
Speaker 5: it'll be like you.
2:50
Speaker 1: Get to go.
2:50
Speaker 5: So Jess will pick the first time, I'll go, and
2:52
Speaker 5: I'll pick the next, and then the last two will
2:54
Speaker 5: be our least favorites. But because they are the top ten,
2:58
Speaker 5: our producers laughing, but I'm not laughing. But because they're
3:01
Speaker 5: the top ten, we obviously love all of them. Just
3:03
Speaker 5: bringing some like primary school sports energy to this.
3:06
Speaker 1: Oh spicy, Now, don't forget.
3:08
Speaker 4: Last week we also spoke about how to navigate the
3:10
Speaker 4: financial and social anxieties at this time of year. So
3:13
Speaker 4: if you miss that episode, if you're feeling a little
3:15
Speaker 4: bit stressy, please go back and listen to it. We
3:18
Speaker 4: want you to look after yourselves and feel good about
3:20
Speaker 4: this time of year and this episode just meant to
3:22
Speaker 4: be a little bit lighthearted and fun.
3:24
Speaker 5: Absolutely, it is so important to keep that in mind
3:27
Speaker 5: because it is honestly such a tough time of the
3:29
Speaker 5: year for so many people, and the pressure that the
3:32
Speaker 5: festive season puts on us, I just feel like can
3:35
Speaker 5: be really unfair, So Jess. According to a study from
3:38
Speaker 5: MiQ Australia, did you know that thirty four percent of
3:42
Speaker 5: Australians are expecting to spend more this holiday season compared
3:46
Speaker 5: to last year despite rising inflation rates, interest rates and
3:49
Speaker 5: the cost of living expenses.
3:51
Speaker 4: Thirty four percent is a mind boggling amount, especially when
3:54
Speaker 4: you factor that in on top of everything else, like
3:57
Speaker 4: you just said, that's going on. So hopefully some of
3:59
Speaker 4: these little hacks and tricks, it might be a bit
4:01
Speaker 4: close to Christmas now, but file them away and save
4:04
Speaker 4: them for next year, because I think that these are
4:06
Speaker 4: the kinds of things that honestly are really smart and
4:08
Speaker 4: can make a huge difference if you take the time
4:11
Speaker 4: to plan starting now, Are you feeling like you're spending
4:13
Speaker 4: a lot more of this festive season?
4:15
Speaker 5: Yeah?
4:15
Speaker 1: I think so.
4:16
Speaker 4: I think especially alongside like just the cost of like
4:19
Speaker 4: food for dinner, like we do a friends mess and
4:21
Speaker 4: the cost of just a dinner, Like, we have the
4:23
Speaker 4: same amount of people this year, but the cost of
4:25
Speaker 4: feeding everyone has gone up because the price of all
4:28
Speaker 4: of the basic stuff has got up. I feel like
4:30
Speaker 4: my allocation within my budget hasn't really shifted too significantly,
4:33
Speaker 4: but the money is just not going as far, which
4:35
Speaker 4: is hard.
4:36
Speaker 5: We should do an episode next year at some point
4:39
Speaker 5: about how to reallocate your budget and like where you
4:42
Speaker 5: probably should fluff it out a bit, keeping in mind
4:45
Speaker 5: the fact that the cost of living is increasing. I
4:47
Speaker 5: feel like talking about like, hey, like on average, people
4:50
Speaker 5: are spending x amount more on their groceries, So this
4:53
Speaker 5: is good to be mindful of, and I'll do some
4:55
Speaker 5: research and bring that to the table because I feel
4:57
Speaker 5: like at the moment we're all feeling the pinch, but
4:59
Speaker 5: some of us just can't articulate where or when we
5:01
Speaker 5: just feel like we have less money. And back to
5:03
Speaker 5: the question I asked you, Jess, I feel like I've
5:06
Speaker 5: been spending more because one, I'm going out with more
5:08
Speaker 5: people at this time of the year and trying to
5:10
Speaker 5: catch up with everybody. But two, we have bigger Christmas
5:14
Speaker 5: things planned this year for like my family and for
5:16
Speaker 5: Steve's family, Like, there's just a lot more going on.
5:18
Speaker 5: So I feel like, Jess, we are not the only
5:21
Speaker 5: ones feeling the pinch this year in one way or another.
5:23
Speaker 1: So how about we get into it. Sounds good. What
5:25
Speaker 1: is your first little hack that you've got from the community.
5:28
Speaker 5: Okay, this one is very self involved because I obviously
5:31
Speaker 5: love shop Back and think it's a really really good
5:33
Speaker 5: money win.
5:34
Speaker 1: But our friend Chloe.
5:36
Speaker 5: Antonil both say use shop back to save money on
5:39
Speaker 5: gifts and buy gift cards for you to spend over
5:42
Speaker 5: the festive period, and I just feel like that one
5:44
Speaker 5: straight off the bat at this point in the year,
5:46
Speaker 5: if you are not on shop back yet, like I
5:49
Speaker 5: feel like a bully. I'm not a bully, hah, but
5:51
Speaker 5: like it's just a no brainer because it's free money.
5:53
Speaker 5: It's not even like sign up and they'll sell your data. No, no,
5:56
Speaker 5: no sign up and they'll give you free money money win.
5:58
Speaker 4: That is absolutely our money in My first little hack
6:01
Speaker 4: comes from so many people, and I really like it
6:04
Speaker 4: because this is exactly what I do. Amy Shaza and
6:08
Speaker 4: a bunch of other people all said get your list
6:10
Speaker 4: ready in time for Black Friday and Cyber Monday sales,
6:14
Speaker 4: So start thinking about people early because then you can
6:17
Speaker 4: cash in on those sales and get the things that
6:18
Speaker 4: you're already going to get, but usually with a really
6:21
Speaker 4: nice discount, and then you can often stack it with
6:23
Speaker 4: shot back or cash back on top of that.
6:26
Speaker 1: So I've got another one. Are you ready?
6:29
Speaker 5: And I feel like this one really resonates with me
6:31
Speaker 5: because I've been known to do this. So our friend
6:34
Speaker 5: Dee suggested baked or homemade or second hand gifts, which
6:39
Speaker 5: we have done for a number of years.
6:41
Speaker 1: In our family.
6:42
Speaker 5: It's handmade, homemade or second hand is the rule, and
6:46
Speaker 5: then we give each other like a limit of how
6:48
Speaker 5: much we need to spend. And I think I've hyped
6:52
Speaker 5: on about this if you listen to our Christmas episodes
6:54
Speaker 5: last year.
6:54
Speaker 1: I believe it was Jess.
6:56
Speaker 5: I told you all about the kitchen that I got
6:59
Speaker 5: on gum Tree.
7:00
Speaker 1: That was an absolute circus.
7:01
Speaker 5: It was a kid's kitchen, but because it was secondhand,
7:04
Speaker 5: it was actually really well looked after. I think we
7:06
Speaker 5: picked it up for like twenty dollars or something on
7:08
Speaker 5: gum Tree, but the bonus was when we went to
7:11
Speaker 5: pick it up, the guy was like, oh my gosh, like,
7:13
Speaker 5: my daughter's so sad about losing this. And she was
7:15
Speaker 5: there and I was like, oh, my gosh, don't worry.
7:16
Speaker 5: It's going to like, you know, my niece and my nephew.
7:19
Speaker 5: And I showed her a photo and she gave us
7:21
Speaker 5: all of the like little kids pots and pans and
7:24
Speaker 5: plates and cups and fake fruit and vegetables and stuff,
7:27
Speaker 5: and she's like, oh, they'll need this and they'll need that,
7:29
Speaker 5: and like the dad was really happy because I think
7:31
Speaker 5: he was just getting rid of a whole heap of
7:33
Speaker 5: junk from the playroom. I mean, long story short, it
7:35
Speaker 5: did cost us a lot in fuel because we brought
7:37
Speaker 5: the wrong car. It didn't fit in that car. I
7:39
Speaker 5: had to drive home, swap cars come back while Steve,
7:42
Speaker 5: dressed in an ugly Christmas sweater, sat on the side
7:45
Speaker 5: of Smith Street late at night in Fitzroy, which is
7:48
Speaker 5: a one out of ten experience. So I think people
7:50
Speaker 5: thought he was crazy because not only did he have
7:52
Speaker 5: an ugly Christmas sweater on, but he also was just
7:55
Speaker 5: sitting with a kid's kitchen and people were kind of like,
7:58
Speaker 5: I don't think that guy was weird, Yeah what? And
8:01
Speaker 5: Steve was just like I was mortified because every second
8:03
Speaker 5: person walking past was like, dude, why are you calling
8:06
Speaker 5: DIBs on this kid's kitchen on the side of the world,
8:08
Speaker 5: Like this makes no sense, but anyway, I just feel
8:11
Speaker 5: like homemade, handmade or secondhand is actually a really good idea.
8:14
Speaker 5: I also have and we probably should post it on
8:16
Speaker 5: our stories. I killer recipe that impresses everybody for passion
8:21
Speaker 5: fruit yoyos that have never done me a disservice, Like
8:24
Speaker 5: every time I make it and gifted to someone, They're like,
8:26
Speaker 5: those are the best yos ever And I'm like, thanks
8:28
Speaker 5: taste dot com dot au for the recipe by oh amazing. Yeah,
8:31
Speaker 5: I feel like upcycled gifts are really underrated, like buying
8:34
Speaker 5: something really affordably and then making it personalized and then
8:37
Speaker 5: you can tell whoever you're giving it to. I made
8:39
Speaker 5: this like I did it with my hands and my love.
8:41
Speaker 5: How nice is that? And to be honest, Jess, going
8:43
Speaker 5: back to my kitchen, I bought it, I cleaned it,
8:46
Speaker 5: I gave it to the kids.
8:48
Speaker 1: You would have bought it. You would have like.
8:49
Speaker 5: Pulled the thing apart, redesigned the thing, painted it in
8:53
Speaker 5: their colors, named it, done absolutely everything to make it
8:56
Speaker 5: a completely different kitchen and then gifted it to them.
8:59
Speaker 5: I don't have your creativity, but like that could be
9:02
Speaker 5: an idea.
9:02
Speaker 1: Yeah, give it a little huge.
9:04
Speaker 4: I have a hack here from Nicole who some people
9:07
Speaker 4: might disagree with this, but I really love a practical gift.
9:11
Speaker 4: And she said she has asked her parents to pay
9:14
Speaker 4: for the plumber that she desperately needs as her Christmas gift.
9:17
Speaker 1: I feel like that's a great.
9:19
Speaker 5: That's a great gift because at the moment, trades are
9:21
Speaker 5: so expensive. As somebody who is currently at the tail
9:25
Speaker 5: end of renovating their house. Oooh, Like she spent os
9:30
Speaker 5: Like nobody goes you know what, I wanted to spend
9:32
Speaker 5: money on drainage, Like not a single person.
9:34
Speaker 1: I really like my toilet. I'm blocked for Christmas.
9:37
Speaker 4: I feel like if you have something practical that you need,
9:40
Speaker 4: whether you need textbooks for school or runners because you're broke,
9:43
Speaker 4: or like something that you go, oh, I'm not excited
9:45
Speaker 4: to buy that.
9:46
Speaker 1: That's a good gift. Yeah no, I love that and
9:49
Speaker 1: vice versa.
9:50
Speaker 5: Right, Like, maybe you could start asking your friends and
9:53
Speaker 5: family if you're like, oh, what do you want instead
9:56
Speaker 5: of saying, oh, Jess, what do you want for Christmas
9:57
Speaker 5: because I'm not gonna outwardly say immediately plumber, like I
10:01
Speaker 5: wouldn't think of that, be like, oh, yes, like you're
10:04
Speaker 5: renovating at the moment. Do you want me to pay
10:06
Speaker 5: for you know something towards that. Yeah, friends would jump
10:10
Speaker 5: up and down over that, Like if you offered you
10:11
Speaker 5: can pay for my plumbing, this you just probably not.
10:14
Speaker 5: But okay, sorry, well I already paid for it.
10:18
Speaker 1: You do give you a rand? I feel like it's
10:19
Speaker 1: a very big bill. All right, Jess, I have another
10:21
Speaker 1: one for you. Are you ready? Yes? What have you got? Okay?
10:24
Speaker 5: So this is another one, and I'm being very self
10:26
Speaker 5: indulgent because I'm just picking the ones that I resonate
10:28
Speaker 5: most with. It kind of happens when you're picking sports teams.
10:31
Speaker 5: You definitely should keep doing this with money wins. But
10:34
Speaker 5: I feel like, you know, growing up, I hated that, like,
10:37
Speaker 5: oh you pick, I pick, you pick, because I was
10:39
Speaker 5: literally always the last kid. Because that was a little
10:42
Speaker 5: nightmare in Peh. I wouldn't pick me either, but like,
10:45
Speaker 5: don't make me feel that bad, you know, a little victoria,
10:47
Speaker 5: So like, do it with your money wins, don't do
10:49
Speaker 5: it with your children one out of ten idea, But
10:52
Speaker 5: this one I'm being self indulgent because it is literally
10:55
Speaker 5: something my family do, and that secret center for the
10:58
Speaker 5: whole family with a fifty dollar budget. So in my family,
11:02
Speaker 5: because it's a little bit bigger and a little bit
11:04
Speaker 5: more extended, all of the adults get together and we
11:07
Speaker 5: do a secret Santa. So it's kind of we call
11:10
Speaker 5: it Chris Kringle, but I think it's exactly the same thing,
11:13
Speaker 5: right where we pull names out of a hat. Literally,
11:16
Speaker 5: that's how technical it gets. All of our names go
11:19
Speaker 5: on a piece of paper, get ripped up, pulled out,
11:21
Speaker 5: and that's who we're buying a Christmas present for that year.
11:24
Speaker 5: So on Christmas Day, everyone gets a present, but they
11:26
Speaker 5: get one present. And the amount of money that is
11:29
Speaker 5: spent on that, I mean, it could be fifty bucks,
11:31
Speaker 5: it could be one hundred dollars. But I think the
11:32
Speaker 5: most important thing is that that amount is a reasonable
11:36
Speaker 5: amount for you and your family to purchase. So if
11:38
Speaker 5: your budgets are at twenty dollars, just call it twenty dollars.
11:41
Speaker 5: I don't think it should extend past that. If one
11:44
Speaker 5: member in your family can't afford that, I think we
11:46
Speaker 5: should set the baseline at a baseline, not go, oh,
11:49
Speaker 5: well it's one hundred dollars and you know your aunt
11:51
Speaker 5: or your uncle or your cousin just can't afford that.
11:54
Speaker 5: I think that we should set it lower or set
11:56
Speaker 5: a different rule and just be mindful without saying like, oh, yes,
11:59
Speaker 5: I've said up lower because of you. It should just
12:01
Speaker 5: be use your brain and work it out, because I
12:04
Speaker 5: just think that, you know, this time of year isn't
12:06
Speaker 5: the time of year that we point out when people
12:08
Speaker 5: are struggling or that maybe they can't afford it. But
12:11
Speaker 5: I think just you know, picking something that's a little
12:13
Speaker 5: bit more mindful is really helpful. One, the pressure is
12:16
Speaker 5: off because you only have to think of one present,
12:19
Speaker 5: but two, it's far less financially stressful.
12:22
Speaker 4: Yeah, And if you don't want to do where you
12:23
Speaker 4: buy for specific people, if you've got a big family
12:25
Speaker 4: and you don't see your aunts, your uncles and your
12:27
Speaker 4: cousins all that often Bad Santa or naughty Santa is
12:30
Speaker 4: a really fun one as well, where you just buy
12:31
Speaker 4: a general gift and usually people try to make it
12:34
Speaker 4: a bit funny or a bit fun and then you
12:36
Speaker 4: steal gifts from everybody and that's a really good way
12:38
Speaker 4: to involve everyone, and you can set the same limit
12:40
Speaker 4: as well.
12:40
Speaker 5: Pro tip as someone who has also done this, the
12:43
Speaker 5: nerf gun always performs the best, Oh brilliant because we
12:47
Speaker 5: all want to shoot everybody after so it's just like
12:50
Speaker 5: a lot of fun. So everybody wants the nerf gun
12:52
Speaker 5: because everything else is like, I don't want a candle. Also,
12:56
Speaker 5: one year I put together a pack and it was
12:58
Speaker 5: a tiny bottle of gin, a bottle of tonic water,
13:01
Speaker 5: and then like an orange lemon and a lime. And
13:02
Speaker 5: that was actually a really good Chris Kringle present because
13:05
Speaker 5: one it felt a little bit customer who doesn't want
13:07
Speaker 5: a gin and tonic? I mean people who don't like
13:09
Speaker 5: gin and tonics, like you probably don't want to tonic.
13:11
Speaker 5: But I feel like that was a good Chris Kringle
13:13
Speaker 5: present because who doesn't love that?
13:15
Speaker 1: Yeah?
13:16
Speaker 4: Oh, like little silly kmart appliances like waffle makers or
13:18
Speaker 4: fairy foss machines what means well, honey, the next hack
13:23
Speaker 4: I have comes from Madeleine. If you don't mind living
13:26
Speaker 4: on the edge, you can visit Cole's or your local
13:29
Speaker 4: deli on Christmas Eve kind of close to closing time,
13:32
Speaker 4: because more often than not they're heavily discounting all of
13:35
Speaker 4: the product because they're closed the next day. I guess
13:37
Speaker 4: the downside of this is if you're going.
13:39
Speaker 1: To coluse, imagine like.
13:40
Speaker 4: Four pm on Christmas Eve, you may or may not
13:43
Speaker 4: well firstly get trampled and also quite possibly not have
13:46
Speaker 4: the widest.
13:46
Speaker 1: Selection to choose from.
13:48
Speaker 4: But if you're one of those people who's really creative
13:50
Speaker 4: with how you cook, or if you're not that fussed
13:51
Speaker 4: on what you get, it might be a nice way
13:53
Speaker 4: to snag smot deals.
13:55
Speaker 5: Yeah, that's definitely living on the edge for me, Jess, Like,
13:57
Speaker 5: I'm not gonna wait till almost closing time for my
14:00
Speaker 5: food to be discounted, maybe because what if it's not,
14:02
Speaker 5: then I might not have any food because they really
14:04
Speaker 5: needed a roast xyzed and they don't have it because
14:07
Speaker 5: they just discounted it and someone else got it.
14:09
Speaker 1: That's true. The anxiety's wild, that's true.
14:11
Speaker 4: I mean shop at your local stores as well. More
14:13
Speaker 4: often than not, your local butcher or your local fruit
14:16
Speaker 4: market will have stuff at a better cost per unit
14:19
Speaker 4: price than like coals or woolies words. So that's the
14:21
Speaker 4: way you could go as well.
14:22
Speaker 5: Speaking of coals or Woolies, my next hot tip is
14:24
Speaker 5: from our friend Mace, and Mace has said, you need
14:27
Speaker 5: to make sure that you set your Woolies Everyday rewards
14:30
Speaker 5: card to save for Christmas. I didn't even know this
14:33
Speaker 5: was a setting, but it's a setting on your rewards
14:36
Speaker 5: card that you select and all of your gift cards
14:39
Speaker 5: and discounts get added up and you can redeem them
14:42
Speaker 5: at Christmas time so that your grocery bill isn't as hectic.
14:45
Speaker 1: That's really really smart.
14:47
Speaker 4: I like that one a lot, particularly because then you
14:49
Speaker 4: don't really notice, like it's not like you're missing out
14:51
Speaker 4: on money, You're not putting money.
14:52
Speaker 1: Aside, but exactly those rewards stuck up.
14:55
Speaker 4: If like ten bucks a year ten bucks, you could
14:56
Speaker 4: have a couple hundred dollars by the end of the year.
14:58
Speaker 5: I feel like I've heard of people do it this
15:00
Speaker 5: before in our community, like and when I say, I
15:02
Speaker 5: feel like, I know I have, But I just assumed
15:05
Speaker 5: that everybody was kind of like saving their discounts for Christmas,
15:08
Speaker 5: not that it was an actual setting, which is genuinely genius.
15:11
Speaker 1: Very very smart.
15:12
Speaker 4: And I've got a similar one here from Chelsea who says,
15:14
Speaker 4: do the same thing, but with flybys. Basically she just
15:17
Speaker 4: saves all of her dollars and redeems them at Christmas.
15:19
Speaker 1: What a genius.
15:19
Speaker 5: So I feel like I'm not nearly that smart, But
15:22
Speaker 5: you know what I'm going to do this year, because
15:23
Speaker 5: I think I have a fair few dollar rus in
15:26
Speaker 5: my shopback account, I'm going to pull that out and
15:28
Speaker 5: see who's Christmas presence I can pay for from shop
15:31
Speaker 5: back and share the update later once I've done it.
15:33
Speaker 1: Really smart, I can't wait.
15:34
Speaker 5: Hit up all right, Holly. She has a really good suggestion, Jess,
15:38
Speaker 5: are you ready for this? I think that some people
15:40
Speaker 5: are going to be salty on this. Last week I
15:42
Speaker 5: said cancel Christmas, but Holly said, just don't buy presents. Ah,
15:46
Speaker 5: your face Jess is very unhappy.
15:48
Speaker 4: HOLLI no, no, no, no, you know what, like for some people,
15:51
Speaker 4: not doing presents works for them and aligns to their values.
15:54
Speaker 4: But as we said last week, gif giving is my
15:57
Speaker 4: love language and I just couldn't. However, if that's a try,
16:00
Speaker 4: always the works for you, I am in full support
16:01
Speaker 4: of it.
16:02
Speaker 5: I kind of love this because Jess's face was just
16:04
Speaker 5: like no, and then she was like but if it
16:06
Speaker 5: aligns to your goals and values. Like I think this
16:08
Speaker 5: is very important and I'm like, all right, Jose, it
16:10
Speaker 5: learns to my goals and values to not buy Christmas presents.
16:13
Speaker 1: Are you okay with that?
16:14
Speaker 5: Yeah?
16:14
Speaker 4: Of course, like you are not your little face to
16:16
Speaker 4: you to get me a present.
16:18
Speaker 1: Sad you were present. I don't want your present.
16:20
Speaker 4: Well, too bad, I already bought it. Moving right along,
16:24
Speaker 4: Lucky last came from Emily, Elissa and about one thousand
16:27
Speaker 4: other people who all said, try to buy gifts throughout
16:30
Speaker 4: the year when they are on sale. And this is
16:33
Speaker 4: something that I got from my mum, and I feel
16:35
Speaker 4: like a lot of other people's mums would be the same.
16:37
Speaker 4: We always had like a gift cupboard where, especially when
16:40
Speaker 4: I was a kid, you know, you get invites to
16:42
Speaker 4: parties really last minute and stuff like that. So there
16:44
Speaker 4: was always a gift cupboard where if she saw barbies
16:47
Speaker 4: on zale or something you know that was age appropriate.
16:49
Speaker 1: Did you loot the cupboard? I would have fluted the cupboard.
16:52
Speaker 4: It was very very tempting, very tempting, but she knew
16:55
Speaker 4: exactly what was in there. I could never have got away.
16:56
Speaker 5: With it, and she would have seen you with the
16:58
Speaker 5: new barbie, and she like, just don't have an income wed.
17:02
Speaker 1: One thousand percent.
17:03
Speaker 4: But now I do it a bit more intentionally, And
17:06
Speaker 4: when I see things that remind me of my friends
17:08
Speaker 4: and family, things that I think they will love, and
17:10
Speaker 4: they're on sale, I more often than not will pick
17:12
Speaker 4: them up and pop them aside to be given it
17:13
Speaker 4: either a birthday or Christmas or any other kind of
17:16
Speaker 4: occasion where I might want.
17:17
Speaker 1: To just give them a little something something.
17:19
Speaker 5: I feel like that's a genius idea in theory, because
17:23
Speaker 5: that would not work for me. No, why not, Because like,
17:26
Speaker 5: let's just use you as an example, Because obviously, Jess,
17:29
Speaker 5: I'm going to buy your Christmas present. I know your
17:31
Speaker 5: love language. But also I really love gift giving as well.
17:34
Speaker 5: But if I had a gift cupboard and I just
17:37
Speaker 5: collected things throughout the year they've I already have in
17:40
Speaker 5: my head what I want to buy you. So even
17:42
Speaker 5: if I'd bought something and put it in the cupboard
17:44
Speaker 5: and put it away for later, like I don't want
17:46
Speaker 5: that now.
17:47
Speaker 1: I want to get something different.
17:48
Speaker 5: So it would be a waste of money for me
17:50
Speaker 5: because I would also loot my own cupboard and take all.
17:52
Speaker 4: This stuff out of zero self control from Victoria, divine
17:56
Speaker 4: is anybody's world.
17:57
Speaker 5: I'm not going to go to Mecca and buy a
17:58
Speaker 5: gorgeous like gifts even if it's on sale.
18:01
Speaker 1: You best believe I want that body butter. Yeah, I
18:03
Speaker 1: need it. That's fair. The boomboom cream, everybody loves it.
18:06
Speaker 1: Do I have a gift pack this year?
18:08
Speaker 4: A thousand percent two? Everyone is getting boom boom cream.
18:11
Speaker 4: Let's go to a really quick break and when we
18:13
Speaker 4: come back, VID, you and I are going to share
18:15
Speaker 4: some of our favorite top tips. Don't go anywhere. Welcome
18:22
Speaker 4: back everybody. Today we are talking all about Christmas hacks.
18:26
Speaker 4: We just shared all of our favorite community ones, and
18:28
Speaker 4: Victoria and I have got a couple of our own
18:30
Speaker 4: up our sleeve to finish up the episode.
18:33
Speaker 5: My first one, I'm glad you're going first because mine
18:36
Speaker 5: are a little on the dryer slash non existence side.
18:40
Speaker 5: I'm less festive than Jessic Gotta ITCHI, which is so fine.
18:44
Speaker 1: That's okay. All have different goals and values.
18:47
Speaker 5: But when I got asked to write down my favorite
18:49
Speaker 5: Christmas hacks, I have written down all the things that
18:52
Speaker 5: I shared in the first part of this episode.
18:53
Speaker 1: So good from me.
18:54
Speaker 4: You're on the same wavelength as everybody, which doesn't surprise
18:57
Speaker 4: me because there are a bunch of smart cookies. First
19:00
Speaker 4: tip for you guys is to buy Christmas decorations, wrapping,
19:04
Speaker 4: things of that nature on Boxing Day. You're obviously not
19:07
Speaker 4: gonna use it this yet, although maybe if you would,
19:09
Speaker 4: if you've pushed your Christmas out like not everyone I
19:11
Speaker 4: know A lot of families will do two Christmases. So
19:14
Speaker 4: maybe you've got one the twenty fifth and one like
19:16
Speaker 4: a week later. Yeah, we do a Christmas on like
19:18
Speaker 4: Boxing Day or a week later. Yes, there's just too
19:21
Speaker 4: many people, so you can snag a hot deal. Most
19:24
Speaker 4: of the time, Christmas stuff goes a minimum fifty percent
19:26
Speaker 4: off the day after Christmas. You can do it online,
19:29
Speaker 4: you can go to your local kmart, you can go
19:30
Speaker 4: to wherever. I know that historically it's been like a
19:33
Speaker 4: real fight to the death at the shops, but the
19:36
Speaker 4: last I mean obviously last year and the year before
19:38
Speaker 4: with COVID, but I feel like more and more people
19:40
Speaker 4: are turning to online. And if you are going to
19:43
Speaker 4: go Boxing Day shopping, go early because if you go
19:45
Speaker 4: when the shops open, it's almost always really quiet.
19:47
Speaker 5: I feel like that is really smart. Following on from that,
19:51
Speaker 5: when it comes to kids Christmas presents, recently, I have found,
19:56
Speaker 5: especially with younger kids on Christmas Day, they just want
19:59
Speaker 5: to be entertained. I have a million times over bought
20:02
Speaker 5: really cute outfits or really fancy toys, but it's the
20:06
Speaker 5: things that immediately engage them that are really really popular.
20:11
Speaker 5: So at my wedding, and I guess this could be
20:13
Speaker 5: a really good Christmas hack as well, is I made
20:15
Speaker 5: them gift bags. Because yes, I had kids at my wedding.
20:19
Speaker 5: I don't regret that for a second. I adore them
20:22
Speaker 5: and I want them around me, like literally forever. I
20:25
Speaker 5: couldn't imagine having a clack of wedding without having the
20:28
Speaker 5: kids there. But I made them gift packs, and to
20:31
Speaker 5: be honest, I just went to Kmart. They were so
20:33
Speaker 5: cheap to put together. I found ninety eight cents coloring
20:38
Speaker 5: in books Jess money win. Yeah, coloring pencils were like
20:41
Speaker 5: three dollars. I bought some like pretty novel lollies came
20:45
Speaker 5: out again really cheap. I just bought a multi pack
20:47
Speaker 5: and then like spread it among a whole heap of kids.
20:49
Speaker 5: I bought some fancy sonnies. I bought glow sticks and
20:52
Speaker 5: play doh and they were psycho over it. They were like,
20:56
Speaker 5: oh my god, it's like mini versions of all their
20:57
Speaker 5: favorite things and a coloring in book and kept them
21:00
Speaker 5: entertained for literally the whole day, like they had one
21:04
Speaker 5: new thing and another new thing. And I think being
21:06
Speaker 5: able to open these like smaller gifts and have things
21:08
Speaker 5: that were keeping them entertained is a really good idea.
21:11
Speaker 5: But literally, I think each gift pack, I mean I
21:14
Speaker 5: did spend an extra dollar per gift bag, Jess, which
21:16
Speaker 5: you probably don't need to do. But if you put
21:18
Speaker 5: something like that together for kids, as opposed to going
21:21
Speaker 5: and buying them the latest Lego or Barbie brand like
21:24
Speaker 5: that stuff immediately starts at like forty nine dollars. From
21:27
Speaker 5: my experience, they're gonna love it. It's novel, it's exciting.
21:31
Speaker 5: You can save some money on kids presence, and from
21:35
Speaker 5: my experience, kids don't fight over who got what and
21:39
Speaker 5: when and where because they're all getting a coloring in book,
21:41
Speaker 5: they're all getting pencils, they're all getting a lolly. And
21:44
Speaker 5: the kids in my family, they just started trading things
21:46
Speaker 5: as opposed to going like oh you got you know
21:49
Speaker 5: this different thing. It was, Oh you got that color
21:52
Speaker 5: glow stick, I want that one.
21:53
Speaker 1: You can have my pink one. And it was actually
21:55
Speaker 1: really sweet.
21:56
Speaker 5: Yeah, they wheeled and dealed like little lollies and glove sticks.
21:59
Speaker 5: And they all had the same pencils, but like one
22:01
Speaker 5: of the little ones wanted all of the same color
22:03
Speaker 5: pencil for some reason. But you know what you do,
22:05
Speaker 5: you boo, here's ten pink pencils.
22:07
Speaker 4: You live your best life, queen, go off. My next
22:11
Speaker 4: little tip for you guys is a plant one. Because
22:13
Speaker 4: we know a lot of people, there'shoes in the money
22:14
Speaker 4: community are plant people just like us. There's kind of
22:18
Speaker 4: two options here. So if you already have a lot
22:20
Speaker 4: of plants, why don't you propagate them, give them away
22:22
Speaker 4: as gifts. If you've got a devil's ivy, give it
22:24
Speaker 4: a little snippy snip.
22:25
Speaker 1: Oh you gotta liberate it.
22:27
Speaker 4: You gotta liberate it, absolutely so snippy snip. Liberate your
22:30
Speaker 4: own plant. Or if there's one you know doing public
22:32
Speaker 4: theoretically maybe in your office that you want to liberate
22:34
Speaker 4: by all means, which we would never do. We've never
22:37
Speaker 4: done that. Absolutely, you're not. I don't know what you're
22:39
Speaker 4: talking about, But you know what you're talking about. Get
22:41
Speaker 4: a little cutting. You can buy it cam out like
22:43
Speaker 4: one dollar little glass shars. You could fill it with water,
22:46
Speaker 4: pop the propagation in it. Devil's ivy as well.
22:48
Speaker 1: Yeah.
22:48
Speaker 5: I wish propagation was as complicated as the word is. Yeah,
22:52
Speaker 5: because it's not. You just snippy snippy, put it in
22:54
Speaker 5: water and it just grows. Yeah, so you probably need
22:57
Speaker 5: a bit more time. Maybe that's the next year, think
22:59
Speaker 5: because right now it's nearly Christmas, so you can.
23:02
Speaker 1: Get them rooted up.
23:03
Speaker 4: The other option is you could go to your local
23:06
Speaker 4: Buddings or I know IQR sell a lot of like
23:09
Speaker 4: really affordable larger plants and succulents. Buy a big one,
23:13
Speaker 4: split it up into smaller ones, repot them. IQA sells
23:16
Speaker 4: pots for like two or three dollars. The Back Dollar
23:18
Speaker 4: Shop have really cute ceramic ones as well. I think
23:21
Speaker 4: this idea is great. Yeah, split it up and then
23:23
Speaker 4: you turn your one twenty dollars plant into five little
23:26
Speaker 4: gift five dollar gifts, which is perfect for people money win.
23:30
Speaker 4: Can I have a turn now?
23:31
Speaker 1: Absolutely?
23:32
Speaker 5: Okay, So I love an esthetic wrapping paper. Wrapping paper
23:37
Speaker 5: is really expensive though, So you know what I do.
23:39
Speaker 5: I go down to office works and I buy a
23:41
Speaker 5: fifty meter roll of PBS craft paper roll. It's brown paper.
23:46
Speaker 5: It's really nice. Ten dollars and twenty eight cents fifty meters.
23:51
Speaker 5: So I wrap all of my presents in brown paper.
23:53
Speaker 5: And then the money that I spend is spent at
23:55
Speaker 5: Kmart on cute ribbons and stuff. Because you can pick
23:58
Speaker 5: up a really big roll of life ribbon or you know,
24:01
Speaker 5: like what's the curling ribbon or whatever it is. Yeah,
24:03
Speaker 5: like per roll, it's like three or four dollars for
24:06
Speaker 5: a really big role. Everything matches, it's really cute. And
24:09
Speaker 5: then you know what I do, because I'm not buying
24:11
Speaker 5: cards for all of my presents under my tree, I
24:14
Speaker 5: buy one gold Posca marker and then in gold I
24:17
Speaker 5: write their names.
24:18
Speaker 1: Oh it's so cute, and I think.
24:20
Speaker 5: It's really cute, really aesthetic. And then I literally have
24:23
Speaker 5: that role of wrapping paper from last year and I
24:26
Speaker 5: think the year before, like it was fifty meters.
24:28
Speaker 1: I have not run out yet, Oh my gosh.
24:30
Speaker 4: On the note of little tags, another thing that I've
24:32
Speaker 4: done before. I did the brown paper fiber as well.
24:34
Speaker 4: You can buy like a little five dollar like lump
24:37
Speaker 4: of air dry clay, and so I'll buy that, roll
24:40
Speaker 4: it out and then you can use if you have
24:42
Speaker 4: cookie cutters, or you can freehand it into fun little shapes.
24:45
Speaker 4: You just pop a hole through it with a pen.
24:47
Speaker 4: Let it air dry, and.
24:48
Speaker 1: Then you can paint their name on it.
24:50
Speaker 4: You can paint it different colors and if you put
24:52
Speaker 4: a little string, so you put it on the present
24:54
Speaker 4: and it's like the tag for the gift. But then
24:56
Speaker 4: they keep it and it can be an ornament for
24:58
Speaker 4: the tree.
24:59
Speaker 1: Es how nice.
25:00
Speaker 5: It's the difference between you and me. I bought a sharpie,
25:02
Speaker 5: you made them an ornament. It's just not happening. My
25:05
Speaker 5: other update, though, which is like sidetrack I do apologize,
25:09
Speaker 5: is this year, keep all of your Christmas cards. Because
25:13
Speaker 5: if you keep all your Christmas cards and Christmas tags,
25:15
Speaker 5: I feel like whenever you get a gift bag, the
25:18
Speaker 5: Christmas tag hasn't got any writing on it. You can
25:20
Speaker 5: cut off the part that has been written and then
25:22
Speaker 5: you can make like tags for your gifts for the
25:24
Speaker 5: next year.
25:25
Speaker 1: Are very smart.
25:27
Speaker 4: The tag look really good on brown paper. Everything was
25:30
Speaker 4: good on brown paper.
25:31
Speaker 5: If you see me gifting anything in not brown paper,
25:34
Speaker 5: be like, oh wow, she's run out of that brown
25:35
Speaker 5: paper because like I'm not done here, Like I keep
25:37
Speaker 5: using it.
25:38
Speaker 1: I am obsessed. I think this hack is genius. That
25:40
Speaker 1: is actually so smart.
25:42
Speaker 4: The last tip that I have is a bit of
25:43
Speaker 4: a shop back hack that someone shared with us previously,
25:46
Speaker 4: and I can't remember who it was, but I think
25:47
Speaker 4: it works particularly well for Christmas.
25:50
Speaker 5: We're going to get in trouble for sharing this, and
25:52
Speaker 5: shot back are gonna come for us and be like
25:54
Speaker 5: Jess and Victoria, why are you gaming the system? We
25:58
Speaker 5: literally work with you to put us in the best position,
26:00
Speaker 5: and you're not though.
26:01
Speaker 4: That's exactly it, Like it's not we're not doing anything naughty,
26:04
Speaker 4: but it is.
26:04
Speaker 1: Really We're not doing shot back any favors.
26:06
Speaker 4: No, well no, But what you can do is, if
26:09
Speaker 4: you're looking to purchase something from somewhere that maybe isn't
26:12
Speaker 4: on shop back, or maybe doesn't have a really high
26:15
Speaker 4: amount of cash back, like if it's just didn't it
26:17
Speaker 4: like one or two percent, have a look if you
26:19
Speaker 4: can purchase a gift card for the same place. Because
26:22
Speaker 4: a lot of the time, she's smarting, gift cards have
26:24
Speaker 4: the higher percentage back, you get one of your calls
26:27
Speaker 4: or target gift cards that more often than not can
26:29
Speaker 4: be used at multiple franchises, then fit under everything, and
26:33
Speaker 4: then use that to buy gifts. So if you're like, oh,
26:37
Speaker 4: I really want this DVD, I don't know why DVD
26:39
Speaker 4: is the first thing I thought of. They even sell
26:42
Speaker 4: DVD still, I have no idea. Okay, you know what,
26:44
Speaker 4: you really want to buy a copy of Investing with
26:46
Speaker 4: Shees and the Money.
26:48
Speaker 1: Imagine if you said that right off the bat, I
26:50
Speaker 1: don't know why I thought of DVD. That's fine, you
26:52
Speaker 1: really want a copy of SES on the Money.
26:54
Speaker 5: Investing with apparently is better though, So if you see
26:57
Speaker 5: like Barbie Swan Lake, pick that up, I'd.
26:59
Speaker 4: Love a copy your Bobbies like that movie pops off
27:02
Speaker 4: back on track. You know you want a copy of
27:04
Speaker 4: Investing in Strees of Money or the og Shoes of
27:05
Speaker 4: the Money. Maybe a bundle, but you're like, ah, the
27:08
Speaker 4: discount on you know, book Topia or whatever platform isn't
27:11
Speaker 4: as high as I was like to be.
27:13
Speaker 5: Or you want the book Toby a discount right right, right,
27:15
Speaker 5: But you don't want to pay for shipping. If you
27:17
Speaker 5: have to pay shipping by the gift.
27:19
Speaker 4: Card, go get in store exactly so you names the system,
27:22
Speaker 4: you've got extra cash back, You've got exactly what you want.
27:25
Speaker 4: I feel like that's the best stop back and hire us.
27:28
Speaker 4: We will continue to make you less money. Have you
27:32
Speaker 4: got one last one for MeV before we wrap up?
27:34
Speaker 5: I think we've talked a lot just about like buying
27:36
Speaker 5: things and presents and gifts, But I also think my
27:39
Speaker 5: last hack is actually just quality time, and that's what
27:41
Speaker 5: people are you know, I guess missing out on this year.
27:45
Speaker 5: It's funny because at the start of this episode we
27:47
Speaker 5: said that most people are going to spend more money
27:49
Speaker 5: this year than they did last year. But do you
27:51
Speaker 5: know why? Quality time? Because we're actually able to see
27:54
Speaker 5: people and enjoy their company. And I think that if
27:56
Speaker 5: we're all reminded that Christmas isn't necessarily about the stuff
28:00
Speaker 5: unless your jests, in which case is very important that
28:03
Speaker 5: the stuff is still there. But I think it's really
28:05
Speaker 5: important to remember that if it's not in your budget,
28:08
Speaker 5: I think that's okay to a really beautiful card or
28:10
Speaker 5: a homemade present, or some cookies or something that you've made,
28:14
Speaker 5: or even just negotiating not to have any gifts that
28:16
Speaker 5: year is also a really beautiful present because from my perspective,
28:19
Speaker 5: I'd much prefer to say you to you. Jess, Hey,
28:21
Speaker 5: I just don't have it in my budget for Christmas,
28:23
Speaker 5: but I'd still love to hang out. Is much better
28:25
Speaker 5: than avoiding someone completely and not enjoying their festive season
28:29
Speaker 5: at all because you're worried about them expecting a gift
28:31
Speaker 5: from you, because I promise no one does.
28:33
Speaker 4: No And as someone who is like I would say
28:36
Speaker 4: the Queen of Christmas, we're gonna call myself a Queen
28:38
Speaker 4: of Christmas.
28:39
Speaker 1: I love Christmas, or you the Queen of Christmas. I
28:41
Speaker 1: love giving gifts.
28:42
Speaker 4: I would not be even one tiny little drop of
28:45
Speaker 4: offended if someone said that to me, And I think,
28:47
Speaker 4: like that's a shining example, like if you love Christmas
28:50
Speaker 4: as much as me, and I would honestly really appreciate
28:53
Speaker 4: someone being so honest with me. I don't want anyone
28:56
Speaker 4: to ever feel afraid about having those conversations with people,
28:58
Speaker 4: because I like, no one will mind.
29:01
Speaker 1: The best gift you can give people is your love.
29:03
Speaker 1: And exactly it sounds lame, but it's so true.
29:06
Speaker 5: And like just I think I'm speaking on your behalf here,
29:09
Speaker 5: but I can't imagine if I gave you a gift
29:12
Speaker 5: and then later said like, oh, I'm really broker, I'm
29:14
Speaker 5: really struggling, how guilty you'd feel like you wouldn't feel
29:17
Speaker 5: good about that. Just don't do it. Don't stretch yourself
29:19
Speaker 5: beyond what you need to this Christmas, and to be honest,
29:23
Speaker 5: it's about the attention that you give people. But that's
29:25
Speaker 5: probably a really good place to leave it, mister SCRICI.
29:28
Speaker 1: I think so.
29:28
Speaker 4: I hope you guys enjoyed our Christmas content. Come to
29:31
Speaker 4: Instagram if you want more, because I got told there
29:33
Speaker 4: was no more room on the podcast, so.
29:35
Speaker 1: Come to it on the internet.
29:37
Speaker 4: Absolutely, there's gonna be lots of fun things happening over
29:39
Speaker 4: there where She's on the Money.
29:41
Speaker 1: AUS.
29:42
Speaker 4: You can also join us on Facebook where She's on
29:44
Speaker 4: the Money if you'd like to find us and join
29:46
Speaker 4: our group where hundreds of thousands of people share tips
29:49
Speaker 4: and tricks every single day. There's been lots of great
29:51
Speaker 4: Christmas chat going on.
29:52
Speaker 1: I love it, Jess. I think that is a beautiful
29:55
Speaker 1: place to leave it.
29:56
Speaker 5: So with that, I hope you have a beautiful festive season,
29:59
Speaker 5: however you are celebrating or not celebrating and we will
30:02
Speaker 5: see you on Friday.
30:03
Speaker 1: Bye.
30:10
Speaker 5: The advice shared on She's on the Money is general
30:13
Speaker 5: in nature and does not consider.
30:14
Speaker 1: Your individual circumstances.
30:16
Speaker 5: She's on the Money exists purely for educational purposes and
30:20
Speaker 5: should not be relied upon to make an investment or
30:22
Speaker 5: financial decision. If you do choose to buy a financial product,
30:26
Speaker 5: read the PDS TMD and obtain appropriate financial advice tailored
30:30
Speaker 5: towards your needs. Victoria Divine and She's on the Money
30:33
Speaker 5: are authorized representatives of money. Shepper Pty Ltd ABN three
30:38
Speaker 5: two one six four nine two seven seven zero eight
30:42
Speaker 5: AFSL four five one two eight nine