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Cutting Car Costs · She's On The Money

• 0:00
  Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
• 0:05
  Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we
• 0:08
  Speaker 1: get started on She's on the Money podcast, I would
• 0:11
  Speaker 1: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 1: which this podcast is recorded on a wondery country, acknowledging
• 0:18
  Speaker 1: the elders, the ancestors and the next generation coming through
• 0:23
  Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
• 0:27
  Speaker 1: the storytelling of you to make a difference for today
• 0:31
  Speaker 1: 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 2: Hello, and welcome to She's on the Money. If you
• 0:59
  Speaker 2: are like the many households feeling the pinch when it
• 1:02
  Speaker 2: comes to transport costs, you are not alone. The Transport
• 1:06
  Speaker 2: Affordability Index by the Australian Automobile Association or the AAA,
• 1:12
  Speaker 2: has revealed the average Aussie household spends almost five hundred
• 1:15
  Speaker 2: dollars on transport each week.
• 1:17
  Speaker 4: Five hundred bars. Yeah, I'm sorry, I'm just in the background.
• 1:21
  Speaker 2: And where'd you come from?
• 1:23
  Speaker 4: Five hundred dollars a week? That's what some people earn.
• 1:26
  Speaker 2: Beck I know, I know that's so hectic. So today
• 1:31
  Speaker 2: we're gonna give you all the tips and tricks you
• 1:32
  Speaker 2: need to relieve some of that pressure you were feeling
• 1:34
  Speaker 2: when it comes to your transportation cost fun. Thank goodness,
• 1:39
  Speaker 2: I feel like that's a lot. I guess like when
• 1:41
  Speaker 2: I think about tollers, you got your petrol, which is
• 1:43
  Speaker 2: like a million dollars a leader.
• 1:44
  Speaker 4: Now we're gonna break it down.
• 1:46
  Speaker 2: Let's break it down. Joining me today is the woman
• 1:49
  Speaker 2: who's all about helping you keep that hard earned cash
• 1:52
  Speaker 2: in your pocket. I say it like this's some one extra,
• 1:54
  Speaker 2: it's like another person here, but.
• 1:55
  Speaker 4: I always dive in, like you write these beautiful intros
• 1:58
  Speaker 4: after I'm like, this is what we talking about, and
• 2:00
  Speaker 4: then you're like this is where you come in V
• 2:04
  Speaker 4: And I'm like, no, it's not. But that's really cute.
• 2:06
  Speaker 2: So trying to keep it a surprise.
• 2:08
  Speaker 4: So who's with you? Wow, betrayed Vine, Molly BECKSI yed.
• 2:13
  Speaker 4: Thank you for having me.
• 2:15
  Speaker 2: Oh you're so welcome.
• 2:15
  Speaker 4: Thank you for being I'm excited to talk about transportation
• 2:18
  Speaker 4: costs today mainly because once we started digging into this,
• 2:22
  Speaker 4: I was so mad about how much we're spending on transport.
• 2:25
  Speaker 4: I did not realize that it was that much. And
• 2:27
  Speaker 4: then when I reviewed my own budget, Beckett, is indeed
• 2:29
  Speaker 4: that much, and it's just not okay. I know.
• 2:32
  Speaker 2: So I can gather you were as shocked as I.
• 2:34
  Speaker 4: I was as shocked as you are. I have had
• 2:37
  Speaker 4: a little bit of time to mull it over. According
• 2:39
  Speaker 4: to the report, over the twelve months to June the thirtieth,
• 2:42
  Speaker 4: twenty twenty four, my birthday, transportation costs for the typical
• 2:46
  Speaker 4: Australian household rose by ten and a half percent. That
• 2:51
  Speaker 4: is almost triple the CPI increase of three point eight
• 2:55
  Speaker 4: percent over the same period. It also showed that in
• 2:57
  Speaker 4: the June twenty twenty four quarter, typical Australian household spent
• 3:02
  Speaker 4: seventeen percent of its income on transport, which is now
• 3:06
  Speaker 4: up from fifteen point nine percent twelve months previous. Who
• 3:11
  Speaker 4: like a double whole, I mean, up from fifteen point
• 3:14
  Speaker 4: nine percent. But beck I had never deep dived into
• 3:18
  Speaker 4: the statistics around what transportation costs, and I feel like
• 3:22
  Speaker 4: if I made this episode a year ago, I think
• 3:24
  Speaker 4: I still would have been offended. At fifteen point nine percent.
• 3:27
  Speaker 2: That is massive and also worrying of course, so how
• 3:30
  Speaker 2: do we break down those costs?
• 3:31
  Speaker 4: So the report says that the average household spend on
• 3:34
  Speaker 4: transport is four hundred and fifty eight dollars and eighty
• 3:38
  Speaker 4: two cents, and forty six point two percent of that
• 3:42
  Speaker 4: goes to car loan repayments for an average of two
• 3:45
  Speaker 4: hundred and eleven dollars and eighty two cents, and then
• 3:48
  Speaker 4: BECK one hundred and one dollars and forty four cents,
• 3:51
  Speaker 4: or twenty two point one percent goes to fuel checks out.
• 3:55
  Speaker 4: I don't think anyone's surprised by that one. We're spending
• 3:57
  Speaker 4: on average forty three dollars and fifty eight cents on insurance.
• 4:01
  Speaker 4: That's nine point five percent. Servicing and tires take up
• 4:04
  Speaker 4: seven point seven percent or thirty five dollars and thirty
• 4:09
  Speaker 4: six cents, which I feel like so many of us
• 4:11
  Speaker 4: forget to spend on. So just a reminder, if you
• 4:13
  Speaker 4: haven't got your tires checked, do it now. Registration, CTP
• 4:18
  Speaker 4: and licensing is thirty two dollars and fourteen cents per
• 4:21
  Speaker 4: month or seven percent BECK. And we're spending twenty dollars
• 4:25
  Speaker 4: and ninety nine cents on public transport and two dollars
• 4:27
  Speaker 4: and thirty six cents on roadside assist.
• 4:31
  Speaker 3: Beck.
• 4:32
  Speaker 4: I know when you like start to add them all up,
• 4:35
  Speaker 4: it really starts to eat away your budget. I know,
• 4:38
  Speaker 4: and I feel like I've said this a million times,
• 4:41
  Speaker 4: but we're so good at not zooming out when we
• 4:44
  Speaker 4: look at car costs. I go, what's to fuel this month?
• 4:47
  Speaker 4: You go, yep, one hundred bucks and I go, great,
• 4:49
  Speaker 4: Nor does that make sense? Move on? We forget to
• 4:52
  Speaker 4: really budget in registration CPT what your actual license in
• 4:58
  Speaker 4: your wallet costs?
• 4:59
  Speaker 2: True?
• 5:00
  Speaker 4: Exactly, because like you're not paying that every single year.
• 5:03
  Speaker 4: Most of us are paying it like every five or
• 5:05
  Speaker 4: ten years usually, So we forget that roadside assist. Did
• 5:10
  Speaker 4: you remember that some of us pay that? Because I
• 5:12
  Speaker 4: forgot that.
• 5:13
  Speaker 2: I am shocked by how little it is, and I
• 5:15
  Speaker 2: don't know why. It's because it's.
• 5:16
  Speaker 4: About one hundred and twenty bucks a year on average,
• 5:18
  Speaker 4: yeah okay, chat and eleven dollars and fifteen cents on
• 5:23
  Speaker 4: tolls each month, Beck, which I need to tell you
• 5:27
  Speaker 4: about something. I'm in a little bit of trouble.
• 5:29
  Speaker 2: What did you do?
• 5:30
  Speaker 4: Oh, I'm in trouble with the police. Beck.
• 5:33
  Speaker 2: I would never have thought it's me.
• 5:36
  Speaker 4: There's going to be a warrant out for my arrest.
• 5:38
  Speaker 4: Do you want me to tell you why or should
• 5:40
  Speaker 4: we just not tell anybody and leave it be on Lucy.
• 5:43
  Speaker 2: That's cruel, let's do it.
• 5:44
  Speaker 4: Okay. So I recently got a new car and did
• 5:48
  Speaker 4: everything for it, but the thing I forgot to do
• 5:51
  Speaker 4: was update my tolls. Yeah right, So obviously the toll
• 5:55
  Speaker 4: company has been sending me in voices, but very complex,
• 6:00
  Speaker 4: very I guess privileged position that I'm in. My car
• 6:05
  Speaker 4: is registered in my business's name. And as you know,
• 6:08
  Speaker 4: I've recently moved offices, haven't I Oh, which is exciting.
• 6:12
  Speaker 4: So all of the toll letters have been going to
• 6:15
  Speaker 4: my old office and I haven't swung past there in
• 6:19
  Speaker 4: a little while to pick up my mail. So get
• 6:21
  Speaker 4: my mail back. And not only are their toll notices,
• 6:24
  Speaker 4: and I saw them and I'm like, oh my gosh,
• 6:25
  Speaker 4: that's so silly of me. I need to pay them.
• 6:28
  Speaker 4: Put them on my desk. No worries. You would think
• 6:31
  Speaker 4: that's where it ends. The police. I've sent me a
• 6:35
  Speaker 4: fine for driving on toll roads without the toll licensing
• 6:40
  Speaker 4: or whatever it is. Yes, I didn't realize that the
• 6:42
  Speaker 4: police got involved in that.
• 6:44
  Speaker 2: Well, I hate to break it to you, but I
• 6:46
  Speaker 2: have had at least twelve of those exact same things.
• 6:49
  Speaker 4: So well, I'm not going to jail. I'm not going
• 6:52
  Speaker 4: to go to jail.
• 6:52
  Speaker 2: I don't like this part of Victoria. It is a
• 6:55
  Speaker 2: very Victorian thing. I never had this in Sydney.
• 6:57
  Speaker 4: You were like I could not pay my tolls, and
• 6:59
  Speaker 4: nobody would come trying to arrest me.
• 7:02
  Speaker 2: Yeah, or at least I'd be like, oh, you need
• 7:03
  Speaker 2: to pay your tolls. And if I can't pay my tolls,
• 7:05
  Speaker 2: it's because they can't afford my tolls.
• 7:07
  Speaker 4: I felt like i'd been dibbitdobbed.
• 7:08
  Speaker 2: Yeah, because now it's like with the police, you at
• 7:11
  Speaker 2: least ten times more than the actual time.
• 7:14
  Speaker 4: I'm thankful that there's no demerit points. I just have
• 7:16
  Speaker 4: to pay a fine. But like, I just forgot to
• 7:19
  Speaker 4: register my car, and like, don't get me wrong, of
• 7:22
  Speaker 4: all people to have not done something, it should not
• 7:26
  Speaker 4: have been me, Like I should be better than this.
• 7:28
  Speaker 4: I get it, crucify me, but I'm just a girl.
• 7:31
  Speaker 2: I'm just trying to make it in this well. I'm
• 7:32
  Speaker 2: just trying to make it in this world. I get it, Okay,
• 7:35
  Speaker 2: I think we can say about listeners. Some of these costs,
• 7:37
  Speaker 2: do you reckon? We could obviously.
• 7:39
  Speaker 4: Yes, Like I didn't come here to just have a
• 7:42
  Speaker 4: silk about something and then walk away and be like,
• 7:45
  Speaker 4: this is your problem to deal with. I don't want
• 7:47
  Speaker 4: to do that.
• 7:47
  Speaker 2: For my entire life.
• 7:48
  Speaker 4: Purpose is to save people money and get them investing
• 7:52
  Speaker 4: so that they can be rich. Like I want everybody
• 7:56
  Speaker 4: to be rich.
• 7:56
  Speaker 2: It's so nice.
• 7:58
  Speaker 4: It'd just be so fun.
• 7:59
  Speaker 2: Would be fun. You're all rich?
• 8:00
  Speaker 4: Yeah, Like we can all be rich friends.
• 8:02
  Speaker 2: That's the goal, all right.
• 8:03
  Speaker 4: So I obviously want to start by talking about getting
• 8:07
  Speaker 4: a better deal on two of the bigger ones. So
• 8:10
  Speaker 4: your car loan and your insurance, those are like big
• 8:13
  Speaker 4: hitting ones we're going to start with. And I know
• 8:15
  Speaker 4: for some people, Beck, they might feel a little bit
• 8:18
  Speaker 4: icky when it comes to asking for a better deal. Yeah,
• 8:21
  Speaker 4: drop the ick at the door. We don't have ick.
• 8:24
  Speaker 4: We want to be rich and rich people they ask
• 8:28
  Speaker 4: for a better deal, Yeah, that's rich girl energy. Here's
• 8:31
  Speaker 4: the thing. If you don't ask, though, Beck, you don't
• 8:34
  Speaker 4: get so you can stay with your crap deal or
• 8:37
  Speaker 4: you can get a better deal. When I put it
• 8:40
  Speaker 4: like that, it makes you feel a little bit bad
• 8:42
  Speaker 4: for staying with a crap deal, doesn't it that's my
• 8:44
  Speaker 4: intention moving on. Great, No one's going to ring you
• 8:47
  Speaker 4: out of the blue and be like, hey, here's a
• 8:49
  Speaker 4: better deal for you, Beck, because that's just not what
• 8:51
  Speaker 4: they do. And they're definitely not going to say, oh,
• 8:54
  Speaker 4: we're going to cancel your loan or your insurance just
• 8:57
  Speaker 4: because you asked. Sadly, So you've got nothing to lose,
• 9:00
  Speaker 4: and here are the steps that you need to take.
• 9:03
  Speaker 4: So start by doing your research. For car loans, compare
• 9:06
  Speaker 4: interest rates, fees, and the loan term. Then for insurance,
• 9:09
  Speaker 4: check out the premiums, coverage options, and the customer reviews,
• 9:12
  Speaker 4: which I think is really important because at the end
• 9:15
  Speaker 4: of the day, insurance I want to be the biggest
• 9:18
  Speaker 4: waste of money ever, Like I want you to be like, damn,
• 9:20
  Speaker 4: I didn't use insurance. Great, nothing bad happened, you didn't
• 9:23
  Speaker 4: need to claim on it. Money win, life win. But
• 9:26
  Speaker 4: when it comes time to claim, reviews are really important
• 9:30
  Speaker 4: because if it's then a really fickle situation to claim,
• 9:33
  Speaker 4: or they're not nice to deal with, like, we don't
• 9:35
  Speaker 4: need that in our lives, especially when you're probably already
• 9:37
  Speaker 4: stressed because you probably had a little bit of a
• 9:39
  Speaker 4: bingle with your car. The more you know, the stronger
• 9:41
  Speaker 4: your negotiation position. So just a quick heads up. If
• 9:44
  Speaker 4: you're using comparison websites, remember that some of them are
• 9:47
  Speaker 4: actually just marketing tools.
• 9:49
  Speaker 2: Yes, that's true.
• 9:50
  Speaker 4: They might be getting paid to promote certain retailers, which
• 9:53
  Speaker 4: means they're not always showing you absolutely every single available option.
• 9:57
  Speaker 4: You might need to dig a little bit deeper, do
• 9:59
  Speaker 4: a bit more Google. You could be missing out on
• 10:01
  Speaker 4: better deals elsewhere. And our community member Jess, I've pulled
• 10:05
  Speaker 4: this from our Facebook group. She says, before you do
• 10:08
  Speaker 4: your research, wipe your cash on your browser so that
• 10:12
  Speaker 4: your history is completely clear on your computer, so that
• 10:15
  Speaker 4: the Internet shows you new customer prices instead of current
• 10:19
  Speaker 4: customer prices when you look at your current provider.
• 10:22
  Speaker 2: Oh my gosh, smart.
• 10:24
  Speaker 4: Girl, Thank you, Jess.
• 10:25
  Speaker 2: That's really clever.
• 10:26
  Speaker 4: Yep. And they often offer new customers better prices to
• 10:29
  Speaker 4: lock them in, only to jack up the price next year.
• 10:32
  Speaker 4: It's called loyalty tax. We've done an entire podcast episode
• 10:35
  Speaker 4: on it. Look it up. I've heard stories of people
• 10:38
  Speaker 4: canceling their current policy only to sign straight back up
• 10:41
  Speaker 4: with a new one with the same company on the
• 10:44
  Speaker 4: same day, just to save themselves some serious cash.
• 10:46
  Speaker 2: Yeah.
• 10:46
  Speaker 4: Cool from my perspective. I don't know if this is
• 10:49
  Speaker 4: ballsy or not, but like tell them you can do that,
• 10:53
  Speaker 4: like on the phone, be like, either give me a
• 10:55
  Speaker 4: better deal or I'm counseling it. I'm just going to
• 10:57
  Speaker 4: sign back up.
• 10:59
  Speaker 1: Yeah.
• 10:59
  Speaker 4: True. You want me to do here, like make the
• 11:01
  Speaker 4: math math? Yeah, Like, I'm not trying to be a dick.
• 11:04
  Speaker 4: I just want to not pay loyalty tax.
• 11:08
  Speaker 1: Yeah.
• 11:08
  Speaker 4: Like I've been loyal to you. I've given you my
• 11:11
  Speaker 4: money consistently for the last few years, and you're telling
• 11:14
  Speaker 4: me you're going to give someone else a cheaper deal.
• 11:16
  Speaker 2: It would be wise sentive to stick around. Yeah, like
• 11:19
  Speaker 2: they get me.
• 11:20
  Speaker 4: Imagine a company that said, beck join us, pay the
• 11:23
  Speaker 4: market rate, and then every year we give you a
• 11:26
  Speaker 4: little discount to stage, we give you a little treat
• 11:28
  Speaker 4: we give you a little treaty tree.
• 11:30
  Speaker 2: Yeah, that would be way more centige.
• 11:32
  Speaker 4: Exactly, I mean exactly, no, but like we could be
• 11:35
  Speaker 4: look at how smart we are. But getting back to
• 11:37
  Speaker 4: doing your research. Once you have all of that information,
• 11:40
  Speaker 4: it's time to make the call. You can start with
• 11:42
  Speaker 4: high I've noticed that competitor X is offering a lawer rate,
• 11:45
  Speaker 4: and I'd really like to talk to someone who can
• 11:47
  Speaker 4: match that. What we want to do here, Beck is
• 11:51
  Speaker 4: kill them with kindness. If you go in aggressive, which
• 11:55
  Speaker 4: you might feel because you might have realized that you're
• 11:57
  Speaker 4: being taken for a ride. Sure, we don't want that
• 12:00
  Speaker 4: energy on the phone. We don't want to bring that because,
• 12:02
  Speaker 4: like used to work for a super company. If someone
• 12:05
  Speaker 4: called you salty, will you happy to help them? No? No, no, no.
• 12:11
  Speaker 2: I would go out of my goddamn way for someone
• 12:14
  Speaker 2: who is nice to me. Yeah, exactly, who's immediately mean
• 12:17
  Speaker 2: and I don't even know them. They don't know me,
• 12:18
  Speaker 2: I don't know them. I'm literally just here trying to
• 12:20
  Speaker 2: make a buck, exactly.
• 12:21
  Speaker 4: So we're going to be polite, but firm. Kindness obviously
• 12:24
  Speaker 4: goes a really long way. I adore the saying you
• 12:26
  Speaker 4: catch more flies with honey, and it really rings true
• 12:29
  Speaker 4: when you're dealing with customer service operator, so true, don't
• 12:32
  Speaker 4: be dick, Yeah, I love that hard. Make sure that
• 12:35
  Speaker 4: you mention your loyalty, but highlight the better deals that
• 12:38
  Speaker 4: you found. So, for example, you might be whipping out
• 12:40
  Speaker 4: your pen at this point, your introductory rate for new
• 12:43
  Speaker 4: customers is much lower than what I'm currently getting as
• 12:45
  Speaker 4: a very loyal customer. Or consider bundling. So say, if
• 12:50
  Speaker 4: I bring my car insurance over in addition to my
• 12:52
  Speaker 4: home insurance that I already have, can you offer me
• 12:55
  Speaker 4: a discount? Make it worth their while? And remember, be
• 13:00
  Speaker 4: ready to walk away, So that one is the hard one.
• 13:03
  Speaker 2: Yeah, be ready to walk away.
• 13:05
  Speaker 4: Sometimes the best deal is actually with another provider, and
• 13:08
  Speaker 4: that's totally okay. You can say on the phone, thank
• 13:11
  Speaker 4: you so much for your help. Beg Like, I know
• 13:13
  Speaker 4: that you've said that you're trying your best and that
• 13:16
  Speaker 4: that's the best deal you can offer. Unfortunately, I just
• 13:18
  Speaker 4: think I can get it elsewhere cheaper. Like I'm sure
• 13:22
  Speaker 4: you can understand that. Like everyone is just out to
• 13:25
  Speaker 4: get the best deal from themselves. Beck just worked for
• 13:27
  Speaker 4: the super company, you know, Like you're not mad that
• 13:31
  Speaker 4: Sandra is not going to stay.
• 13:32
  Speaker 2: I don't mind, you don't mind.
• 13:34
  Speaker 4: Yeah, And you're probably like sleigh, Sandra, like get that
• 13:37
  Speaker 4: budget Greween.
• 13:38
  Speaker 2: Because they can't say it, but they know in their heads,
• 13:40
  Speaker 2: they're like, you can get a bad deal elsewheah.
• 13:41
  Speaker 4: Yeah, yeah, like you know that that's a shitty deal.
• 13:45
  Speaker 4: You know that that's not exactly what we want, but
• 13:48
  Speaker 4: I can't tell you. Yeah, by the way, go down
• 13:51
  Speaker 4: to this other provider. They're going to give you cheaper insurance.
• 13:54
  Speaker 4: They're not gonna say that because I'd lose my job
• 13:56
  Speaker 4: in no way, absolutely not. You can have a laugh
• 13:58
  Speaker 4: and be like you and I both know beck catch up.
• 14:01
  Speaker 2: Yeah.
• 14:01
  Speaker 4: I love when you're working with like hospitality or retail stuff,
• 14:05
  Speaker 4: or like something stinky happens and you say something that
• 14:07
  Speaker 4: you know they can't respond to, so all you get
• 14:10
  Speaker 4: back from them is like a little smirk and then
• 14:11
  Speaker 4: they walk off. I'm always like, here, here exactly, so
• 14:15
  Speaker 4: we are going to be ready to walk away because
• 14:17
  Speaker 4: we want a better deal. But do you know what,
• 14:19
  Speaker 4: sometimes when you say you're going to walk away, look
• 14:21
  Speaker 4: at that they have a last minute offer.
• 14:23
  Speaker 2: Where did this come from?
• 14:24
  Speaker 4: Cocidence?
• 14:25
  Speaker 2: Haha. Now, if you didn't take notes on all that,
• 14:28
  Speaker 2: don't worry. If has made a handy little guide for you.
• 14:31
  Speaker 4: And when I say I have, I mean my gorgeous
• 14:33
  Speaker 4: graphic designer Georgia has Thank you, Georgia. She's taken all
• 14:36
  Speaker 4: of this information and put it into a handy dandy
• 14:39
  Speaker 4: little guide that you can download. Guess what, Beck, Yeah
• 14:42
  Speaker 4: for free? Whoa on our website. I love for Do
• 14:45
  Speaker 4: you want anything? Nope, don't want anything?
• 14:47
  Speaker 2: Name your trade yeah, Apple or something?
• 14:49
  Speaker 4: Oh? Thanks?
• 14:50
  Speaker 2: Well, if you want to find that, it will be
• 14:52
  Speaker 2: in the True Notes. We can download it or you
• 14:54
  Speaker 2: can download it on the website True.
• 14:56
  Speaker 1: So.
• 14:56
  Speaker 4: There are also some other ways to cut down your
• 14:57
  Speaker 4: insurance costs. The most obvious is OPTI for a higher excess,
• 15:01
  Speaker 4: which you can budget for. This means you'll pay more
• 15:04
  Speaker 4: upfront if you end up making a claim, But if
• 15:08
  Speaker 4: you've got your emergency fund sorted, it might be worth
• 15:10
  Speaker 4: considering to bring down those premiums. Like, if you're planning
• 15:13
  Speaker 4: your emergency fund, maybe have a look. Maybe you go,
• 15:16
  Speaker 4: all right, well, I know that if I had one
• 15:19
  Speaker 4: thousand dollar excess instead of a five hundred dollars excess,
• 15:23
  Speaker 4: I'd pay less premiums over the year. Can we also,
• 15:26
  Speaker 4: just like I guess sense, check this as well, Beck,
• 15:29
  Speaker 4: because you might want to be saving that, but you
• 15:31
  Speaker 4: don't have the capacity to have a emergency fund with
• 15:35
  Speaker 4: an extra thousand dollars in it. Like, I'm not delusional,
• 15:38
  Speaker 4: I know that that is hard for a lot of people.
• 15:40
  Speaker 4: So if it works for you, fantastic. That's what financial
• 15:44
  Speaker 4: freedom affords you.
• 15:45
  Speaker 2: Beck.
• 15:45
  Speaker 4: Financial freedom can sometimes afford you to go with the
• 15:48
  Speaker 4: cheaper option, right, Like some people have to go with
• 15:51
  Speaker 4: the higher option because they don't have that emergency fund.
• 15:54
  Speaker 4: And I don't want people listening to this and being like, well,
• 15:56
  Speaker 4: that's not me. I guess I fail. No, you don't, queen,
• 16:00
  Speaker 4: Look at you listening to finance content getting.
• 16:02
  Speaker 2: Ahead, Get a girl, get it.
• 16:04
  Speaker 4: I actually think it was really important to sense check there.
• 16:07
  Speaker 4: But that's definitely something worth considering if you want to
• 16:10
  Speaker 4: bring down those premiums. And then another sense check here,
• 16:13
  Speaker 4: because I completely understand that not everyone has the cash
• 16:16
  Speaker 4: on hand to pay their car insurance for the whole
• 16:18
  Speaker 4: year upfront. But if you plan ahead, often paying in
• 16:22
  Speaker 4: one lump sum could save you some money on premiums
• 16:25
  Speaker 4: because they often have a lower rate, like overall if
• 16:29
  Speaker 4: you pay annually instead of monthly. I think that that's
• 16:32
  Speaker 4: just another reason why the rich get richer. So true
• 16:38
  Speaker 4: these so annoying, right, I know.
• 16:40
  Speaker 2: It's like if I could early a ford months a month,
• 16:42
  Speaker 2: give me, it just.
• 16:43
  Speaker 4: Really frustrates me. The economic inequality that exists. Like it's
• 16:49
  Speaker 4: the stereotypical example, right of a pair of shoes, Like
• 16:53
  Speaker 4: somebody who has the wealth can buy their kid a
• 16:57
  Speaker 4: pair of school shoes that last the whole year, because
• 16:59
  Speaker 4: that pair of school shoes is like one hundred and
• 17:01
  Speaker 4: fifty dollars, and like that's so wild for a lot
• 17:05
  Speaker 4: of parents. But then over the course of the year
• 17:07
  Speaker 4: they might go to Cama a heap of times because
• 17:10
  Speaker 4: they're just like, I'm just buying school shoes from Cama.
• 17:13
  Speaker 4: But like every second month or so, they break or
• 17:15
  Speaker 4: they you know, fall apart, and then they end up
• 17:18
  Speaker 4: spending more on school shoes because they didn't have that
• 17:22
  Speaker 4: high entry price point to begin with. Yeah, like it's
• 17:25
  Speaker 4: just again, the rich keep getting richer because they have
• 17:28
  Speaker 4: the ability to invest in more sustainable options. And I
• 17:31
  Speaker 4: don't mean sustainable for the economy, I mean more sustainable
• 17:35
  Speaker 4: for them. Like that pair of school shoes might get
• 17:37
  Speaker 4: three or four years of use out of them because
• 17:39
  Speaker 4: they're just a good quality shoe, you know, totally v
• 17:43
  Speaker 4: So it just really frustrates me that that exists. But
• 17:45
  Speaker 4: apparently it also exists in the insurance world.
• 17:48
  Speaker 2: Ah, good, good, good good. We can't escape it.
• 17:52
  Speaker 4: So then finally, Beck, some policies have dry less payless options,
• 17:56
  Speaker 4: which bet you didn't know that existed.
• 17:58
  Speaker 2: Hah.
• 17:59
  Speaker 4: And I also think is really exciting because you pay
• 18:02
  Speaker 4: a lower premium if you stay under a certain number
• 18:04
  Speaker 4: of kilometers each year. So if you know your average mileage,
• 18:08
  Speaker 4: use that for when you're getting a quote, and it
• 18:10
  Speaker 4: might actually make you get a cheaper rate. Kind of attractive,
• 18:14
  Speaker 4: And don't hesitate to ask for a discount on low
• 18:16
  Speaker 4: kilometers even if it's not advertised. They might offer it
• 18:19
  Speaker 4: over the phone. Yeah, true, everything's up for negotiation, yes,
• 18:23
  Speaker 4: and if they say no, I'm just going to negotiate
• 18:25
  Speaker 4: with you from a different angle. I'm lucky to get
• 18:28
  Speaker 4: me on the phone.
• 18:29
  Speaker 2: I would cry immediately.
• 18:31
  Speaker 4: So unlucky. I do apologize for anybody who does get
• 18:34
  Speaker 4: me on the phone, except for that one girl at
• 18:36
  Speaker 4: Boopa who one time said that my podcast was really nice.
• 18:39
  Speaker 4: At the end of our phone call, she's like, I'm
• 18:41
  Speaker 4: really glad that I could help you. Also, I really
• 18:43
  Speaker 4: like your podcast, and I was like, oh my god,
• 18:45
  Speaker 4: did you know me this whole time? It was really wholesome.
• 18:48
  Speaker 2: That is so sweet.
• 18:49
  Speaker 4: It was my favorite thing ever. Wow, definitely was put
• 18:52
  Speaker 4: through her paces, poor girl, like when she love your podcast.
• 18:55
  Speaker 4: I was low key thinking like at least I walk
• 18:57
  Speaker 4: the walk, you.
• 18:58
  Speaker 2: Know, yeah, like can't even imagine. So there are obviously
• 19:03
  Speaker 2: some good ways to save on insurance. Let's take a
• 19:05
  Speaker 2: quick break and when we come back, we'll have more
• 19:06
  Speaker 2: tips to spash your transport costs. Don't go anywhere, all right,
• 19:14
  Speaker 2: V we are back. Should we tackle petrol costs?
• 19:16
  Speaker 4: Yes, so this episode just don't use petrol.
• 19:20
  Speaker 2: Yeah, well I did cycle actually for a few months
• 19:22
  Speaker 2: to work.
• 19:23
  Speaker 4: That's a good money saving hat. Yeah, from Brunswick to
• 19:26
  Speaker 4: I won't be doing that. No, if you can't do that,
• 19:28
  Speaker 4: or like me, you just won't do that.
• 19:30
  Speaker 2: And that's very valid as well, very very valid.
• 19:33
  Speaker 4: So it's probably a good idea to talk about it
• 19:35
  Speaker 4: because in that report we quoted earlier, the average household
• 19:38
  Speaker 4: is spending over five grand a year on petrol. Beck,
• 19:42
  Speaker 4: five grand, that's a whole family holiday.
• 19:44
  Speaker 2: Yeah, seriously, that's on stuff you literally burn.
• 19:49
  Speaker 4: Don't talk to me about cigarettes, not me, you Beck.
• 19:52
  Speaker 2: Yeah, I love a c.
• 19:55
  Speaker 4: We're not endorsing cigarette. That is dirty bit and you
• 20:00
  Speaker 4: should kick it, and you know you should kick it.
• 20:02
  Speaker 2: Yes, ma'am, but I do not judge you. Thank you.
• 20:05
  Speaker 4: I couldn't care less you make a decision about your
• 20:07
  Speaker 4: body anyway. Choice Consumer poles surveyed this year found that
• 20:11
  Speaker 4: eighty one percent of households were concerned about the cost
• 20:14
  Speaker 4: of fuel. The other nineteen percent must be pretty chill
• 20:17
  Speaker 4: to be honest, imagine not being concerned about five grand
• 20:20
  Speaker 4: on petrol. Be for real. I feel like petrol is
• 20:24
  Speaker 4: constantly over two dollars a leater these days. I don't
• 20:27
  Speaker 4: feel like I'm spending less, which is so expensive. But
• 20:30
  Speaker 4: the good news is there are some ways that you
• 20:32
  Speaker 4: can save at the pump.
• 20:34
  Speaker 2: Cool Like, I know a lot of our communities swear
• 20:36
  Speaker 2: by this first tip. I get a lot of people
• 20:38
  Speaker 2: recommending it for my bride at.
• 20:39
  Speaker 4: The seven eleven well because I feel I feel like
• 20:43
  Speaker 4: the seven eleven app has a cult following.
• 20:45
  Speaker 2: It actually is incredible. But also petrol spy.
• 20:48
  Speaker 4: I love a petrol spy as well.
• 20:50
  Speaker 2: There are so many of them, so how do you
• 20:52
  Speaker 2: know the one you're using has the best info?
• 20:54
  Speaker 4: Well, according to the A Triple C, they are about
• 20:57
  Speaker 4: forty of them in total in Australia. Isn't that why
• 21:00
  Speaker 4: I could not name forty, I could name the seven
• 21:03
  Speaker 4: eleven petrol app. Yes, that's it. That's the only one
• 21:05
  Speaker 4: I use. And they all run a little bit differently.
• 21:09
  Speaker 4: So most of the state governments actually require petrol companies
• 21:12
  Speaker 4: to report their prices and have their own data systems
• 21:14
  Speaker 4: and government run apps, which is interesting. Then there are
• 21:18
  Speaker 4: third party apps. Some of these run using the government data,
• 21:22
  Speaker 4: while other commercial services use information that is community sourced,
• 21:26
  Speaker 4: meaning you're relying on other motorists to update prices, which
• 21:29
  Speaker 4: you might see in like the ways app, so you
• 21:32
  Speaker 4: know how you can like track things in there. I
• 21:34
  Speaker 4: find that really interesting conversation for another day. The ones
• 21:38
  Speaker 4: that use government data seem to be the most accurate
• 21:40
  Speaker 4: as it comes straight from the source. And this is
• 21:43
  Speaker 4: a shame for us in Victoria as our state government
• 21:46
  Speaker 4: is the only state that doesn't do this.
• 21:48
  Speaker 1: Good.
• 21:48
  Speaker 4: Yeah, really nice. But seven eleven app, well you just
• 21:52
  Speaker 4: lock it in, yeah, and it's guaranteed. We love to
• 21:55
  Speaker 4: see it, even with short notice. We're not being sponsored
• 21:58
  Speaker 4: by seven eleven. By the way, I just really love
• 22:00
  Speaker 4: these sand which just had to disclaim that because I
• 22:04
  Speaker 4: see under like a little bit of an ad. They've
• 22:06
  Speaker 4: got nothing to do with this right now. Shock is so,
• 22:08
  Speaker 4: I mean we should have approached them. Actually, that would
• 22:10
  Speaker 4: have been good. Oh it's also I didn't know it.
• 22:13
  Speaker 2: It's too late.
• 22:13
  Speaker 4: It is too late. Even with short drive though, beg
• 22:16
  Speaker 4: you might find significant price differences between different petrol stations.
• 22:21
  Speaker 4: A Choice article highlighted a fifty two cent per liter
• 22:24
  Speaker 4: difference they found in the same type of fuel between
• 22:28
  Speaker 4: two petrol stations only five minutes apart. Those dogs, isn't
• 22:32
  Speaker 4: it insane? So it's definitely worth using these apps to
• 22:35
  Speaker 4: shop around and to save and put yourself in the
• 22:37
  Speaker 4: best possible position. The Premiere of South Australia has even
• 22:41
  Speaker 4: come out and said that their app has saved locals
• 22:43
  Speaker 4: who use it about three hundred and fifteen bucks each
• 22:47
  Speaker 4: in the last year. So if you're listening Victoria Government,
• 22:50
  Speaker 4: it's me Victoria Divine and it's time to start your
• 22:53
  Speaker 4: own please and thank you.
• 22:55
  Speaker 2: And don't forget a lot of fuel retails in Australia
• 22:58
  Speaker 2: are owned by supermarket, so it's always worth checking if
• 23:01
  Speaker 2: your rewards cards can score you an extra deal. You know,
• 23:05
  Speaker 2: back in the day you'd have those little.
• 23:06
  Speaker 4: Yeah shop a Dockers.
• 23:07
  Speaker 2: That's all on the rewards.
• 23:08
  Speaker 4: These episodes getting really long. But I looked at the
• 23:11
  Speaker 4: back of my supermarket receipt the other day back well,
• 23:13
  Speaker 4: there was no deals on it.
• 23:18
  Speaker 2: Here.
• 23:18
  Speaker 4: I don't want to live in four.
• 23:20
  Speaker 2: It is nice to get little Domino's ones, obviously, all.
• 23:23
  Speaker 4: Right, So back to this, it's all about looking at
• 23:25
  Speaker 4: your shopping habits and seeing where you can use some
• 23:27
  Speaker 4: points and rewards and even cash back to maximize your savings.
• 23:31
  Speaker 4: We saw in the community recently people buying gift cards
• 23:34
  Speaker 4: on shop back to then use to spend on fuel
• 23:38
  Speaker 4: genius is hacking the system. And you might remember us
• 23:40
  Speaker 4: talking about the savvy queen from our community a few
• 23:43
  Speaker 4: weeks back who was buying upsized a pole vouchers from
• 23:46
  Speaker 4: shop back and then scanning her wool Is card for
• 23:48
  Speaker 4: points and hacking the system completely for real.
• 23:52
  Speaker 2: But what about the way you run and take care
• 23:54
  Speaker 2: of your car.
• 23:54
  Speaker 4: The one thing that they really didn't take into account
• 23:57
  Speaker 4: is how much people spend cleaning their cars. I live
• 24:00
  Speaker 4: in a city and I'm really lucky. When I drive
• 24:02
  Speaker 4: home sometimes my dad will wash my car in their
• 24:06
  Speaker 4: front yard free for me money in But like I
• 24:10
  Speaker 4: can't just like put my car in the driveway and
• 24:12
  Speaker 4: wash it like I have to spend money cleaning my
• 24:14
  Speaker 4: car going through like the car wash or even the
• 24:16
  Speaker 4: day car wash that takes the two lotal coins you
• 24:18
  Speaker 4: know I'm talking about.
• 24:19
  Speaker 2: Yeah, totally.
• 24:21
  Speaker 4: They forgot that one.
• 24:22
  Speaker 2: That's another one. I've always wondered what the point is.
• 24:24
  Speaker 2: I don't think I've cleaned my car in a while,
• 24:27
  Speaker 2: Like do you do it for safety reasons?
• 24:30
  Speaker 4: Like can you see in your windscreen?
• 24:32
  Speaker 2: I can see it through my windscreen. That's all I
• 24:33
  Speaker 2: need to do.
• 24:34
  Speaker 4: We'll talk about this off air, But yes, servicing your car.
• 24:41
  Speaker 4: I know it might not be the most exciting thing
• 24:43
  Speaker 4: on your to do list, but a well maintained car
• 24:46
  Speaker 4: is a fuel saving machine. Like at the end of
• 24:48
  Speaker 4: the day, when your car is in its best shape,
• 24:51
  Speaker 4: it's less likely to gos will fuel because of issues
• 24:53
  Speaker 4: like clogged air filters and faulty spark plugs or low
• 24:57
  Speaker 4: oil that my car keeps telling me it's scott Like, baby,
• 25:00
  Speaker 4: you don't need oil, you're not cooking. Book in your.
• 25:03
  Speaker 2: Service book in your service But also do try. There
• 25:06
  Speaker 2: are so many things in my car that I've just
• 25:08
  Speaker 2: done myself. For example, like it wouldn't start once I
• 25:10
  Speaker 2: just change one of the fuel injector fuses, which doesn't
• 25:13
  Speaker 2: make sense right now, but if you google literally you
• 25:16
  Speaker 2: can do most things.
• 25:17
  Speaker 4: I mean, you can change your windscreen wipers, like you
• 25:19
  Speaker 4: can just go to autobar and eat them for like
• 25:21
  Speaker 4: twenty bucks. You don't need to pay one hundred and twenty.
• 25:23
  Speaker 2: Easy, easy fix it. I changed my headlights the other day.
• 25:25
  Speaker 2: We literally less than three minutes up.
• 25:27
  Speaker 4: You're in coolant.
• 25:28
  Speaker 2: You can do all of that stuff yourself.
• 25:30
  Speaker 4: So we should do Beck's car hacks, and it's Beck
• 25:33
  Speaker 4: teaching you how to do things you are seriously, I
• 25:36
  Speaker 4: could diagnose it a few and then we can go
• 25:38
  Speaker 4: from there.
• 25:38
  Speaker 2: But yeah, try and pressure, of course I do.
• 25:41
  Speaker 4: I've written that down as my next tip. So this
• 25:43
  Speaker 4: is something that you can easily do yourself next time
• 25:46
  Speaker 4: you stop for fuel and it's free. You can usually
• 25:48
  Speaker 4: find the right pressure for your tires on the driver's
• 25:51
  Speaker 4: side door frame, inside the fuel door, yeah, glove box,
• 25:55
  Speaker 4: or in your car's manual or on the actual tires.
• 25:57
  Speaker 1: Yeah.
• 25:58
  Speaker 4: Think of having underinflated time like trying to push your
• 26:01
  Speaker 4: bike up hill. It takes way more effort, which means
• 26:03
  Speaker 4: your car is using more fuel. So top up your
• 26:06
  Speaker 4: air for free to save some fuel genius. Keeping your
• 26:11
  Speaker 4: tires at the right pressure and aligned can make a
• 26:14
  Speaker 4: real difference. So you can help save on fuel by
• 26:17
  Speaker 4: making sure that there's the right air in your tires
• 26:19
  Speaker 4: back and also by not being Victoria divine and hitting
• 26:22
  Speaker 4: the curb as often as I do. Ideally, yeah, because
• 26:24
  Speaker 4: then you don't have to get your wheels aligned as often.
• 26:27
  Speaker 4: Two birds, one stone.
• 26:28
  Speaker 2: That's fantastic. And while you're ready to give your car
• 26:31
  Speaker 2: a little spring clean, because extra weight does mean extra
• 26:33
  Speaker 2: work for your engine as well, you're.
• 26:35
  Speaker 4: Just carrying heaps of stuff around in your back I've
• 26:37
  Speaker 4: never been in your car. I just feel like the
• 26:39
  Speaker 4: backseat of your car is probably like a house.
• 26:42
  Speaker 2: I was gonna say, you could probably imagine what my
• 26:44
  Speaker 2: car is like.
• 26:45
  Speaker 4: No, in a bad way. I just feel like you'd
• 26:47
  Speaker 4: be like nuts in the car because like you're always
• 26:49
  Speaker 4: at different friends' houses, like going to different places. I
• 26:52
  Speaker 4: feel like you're telling us to clean out our car,
• 26:54
  Speaker 4: when if you did it, you'd be annoyed at yourself
• 26:56
  Speaker 4: because now the handy stuff's not in your car totally.
• 27:00
  Speaker 2: Every single thing I've ever needed is in my car
• 27:02
  Speaker 2: at the moment, So you.
• 27:03
  Speaker 4: See, I get anxious if there's stuff in my car. Yeah,
• 27:06
  Speaker 4: fair Like, Nah, the boot has to be empty.
• 27:08
  Speaker 2: You would have a conniption if you my mood.
• 27:10
  Speaker 4: And then I have nothing. When I'm out, I'm like, oh,
• 27:13
  Speaker 4: I wish that was still in my car.
• 27:14
  Speaker 2: Okay, so this probably seems negligible, But when I have
• 27:16
  Speaker 2: like extra people in my car, I can see that
• 27:18
  Speaker 2: the petrol kind of runs out a little bit quicker
• 27:20
  Speaker 2: than it usually would. So if you have like junk
• 27:22
  Speaker 2: in your car, or you just want to give it
• 27:24
  Speaker 2: a good clean out, just keep it light, just keep
• 27:26
  Speaker 2: it bright, just keep it I love that.
• 27:27
  Speaker 4: While we're talking about what's in your car, maybe we
• 27:30
  Speaker 4: should talk about the car as a whole, because you
• 27:32
  Speaker 4: said it costs you more because there's more stuff in it.
• 27:34
  Speaker 4: But like, I don't know if I'm throwing myself under
• 27:37
  Speaker 4: a bus because I do drive a soccer mum car.
• 27:40
  Speaker 4: But if you're not hauling around a soccer team every weekend,
• 27:45
  Speaker 4: maybe you don't need the suv. Maybe it's time to
• 27:48
  Speaker 4: like downgrade. Smaller cars usually mean better fuel economy. I've
• 27:53
  Speaker 4: got a friend who bought the smallest car that they
• 27:55
  Speaker 4: could find, thinking it'd just be for their husband's commute
• 27:57
  Speaker 4: to and from work, but it turned out to be
• 28:00
  Speaker 4: so fuel efficient and such a money saber that they've
• 28:02
  Speaker 4: said a new rules. So whenever you're not driving the kids,
• 28:05
  Speaker 4: that's the car you got to take, yes, And it's
• 28:07
  Speaker 4: saving them so much money on their fuel and it's
• 28:10
  Speaker 4: practically their first choice now, like so smart. I really
• 28:14
  Speaker 4: like my car though, bex so like I can't bring myself.
• 28:16
  Speaker 2: To get rid of it, but I know, if you.
• 28:19
  Speaker 4: Can, and you're a money saving queen, maybe do that and.
• 28:22
  Speaker 2: The cheap to buy as well. You tried to exactly exactly,
• 28:27
  Speaker 2: but you can even consider going like electric if you
• 28:30
  Speaker 2: had the money to do that. I mean, I feel like.
• 28:32
  Speaker 4: That's an expensive option.
• 28:33
  Speaker 2: It's still really expensive option, but once you're there, I
• 28:36
  Speaker 2: feel like things are cheap. But from that.
• 28:37
  Speaker 4: Point, yeah, actually, do you know what? There's a video
• 28:39
  Speaker 4: and I'm gonna find it and I'm gonna link it
• 28:41
  Speaker 4: in the show notes. Queenie Tan did a video because
• 28:44
  Speaker 4: she has a Tesla and obviously Tesla's like to me,
• 28:47
  Speaker 4: a really bougie car, but she did the maths on
• 28:50
  Speaker 4: how much the Tesla costs her and how much she's
• 28:53
  Speaker 4: saving on fuel and how much her electricity costs her.
• 28:56
  Speaker 4: I think it's an Instagram real video. I'll find it
• 28:58
  Speaker 4: and I'll put it in the show notes. But that
• 29:00
  Speaker 4: video taught me that you do save money, but you
• 29:02
  Speaker 4: have to be kind of in it for the long haul.
• 29:03
  Speaker 4: It's like pullding solar panels on your roof, Like it
• 29:06
  Speaker 4: doesn't pay off in the first year, but over time
• 29:08
  Speaker 4: it does. Maybe if you're not ready to go like
• 29:10
  Speaker 4: full electric, you could think about like a plug in
• 29:13
  Speaker 4: hybrid car could be the perfect middle ground. So you've
• 29:16
  Speaker 4: got like the best of both worlds. You've got improved
• 29:18
  Speaker 4: fuel economy and the flexibility of a petrol engine. Like,
• 29:22
  Speaker 4: how good?
• 29:23
  Speaker 2: How good? I feel like we've covered so much today.
• 29:25
  Speaker 2: So we've given you some solar tips, how to negotiate
• 29:28
  Speaker 2: better deals on your insurance and loans, and the best
• 29:30
  Speaker 2: way to use fuel map apps, and a few clover
• 29:32
  Speaker 2: hacks to stretch your petrol budget even further.
• 29:35
  Speaker 4: But I feel like the best tip coming out of
• 29:37
  Speaker 4: this podcast today is like, don't us don't get Yeah,
• 29:40
  Speaker 4: let's just put our big girl shoes on and be like, well,
• 29:43
  Speaker 4: can you do a better deal for me?
• 29:44
  Speaker 2: Yes?
• 29:45
  Speaker 4: Like it's hard, but once you kind of like do
• 29:47
  Speaker 4: it for the first time, every other time after that
• 29:50
  Speaker 4: gets much easier. And I mean, in this cost of
• 29:52
  Speaker 4: living crisis, it's all about doing what we can to
• 29:55
  Speaker 4: keep money in our own pockets. I mean, I'm a
• 29:57
  Speaker 4: fan of that twenty four to seven, but right now,
• 30:00
  Speaker 4: I feel like people are feeling the pinch. So even
• 30:02
  Speaker 4: if you only do a couple of these things to
• 30:04
  Speaker 4: save yourself, like one hundred bucks or two hundred bucks
• 30:07
  Speaker 4: a month, beck, that's like twelve hundred or two and
• 30:10
  Speaker 4: a half grand a year. Yeah, Like, that's a lot
• 30:13
  Speaker 4: of money. That is so much money back in your pocket.
• 30:17
  Speaker 4: And let's be honest, who doesn't want an extra couple
• 30:19
  Speaker 4: of grand to work into their budget?
• 30:21
  Speaker 2: Wouldn't hate it?
• 30:22
  Speaker 4: I wouldn't hate it either.
• 30:23
  Speaker 2: In an ideal world, these things would be accessible and
• 30:25
  Speaker 2: cheap and affordable. But right now, exactly, we gotta do
• 30:27
  Speaker 2: what we gotta do exactly.
• 30:29
  Speaker 4: So we'll see you on Friday everyone. Now, I'm off
• 30:32
  Speaker 4: to finally drop that opshop box that's actually been sitting
• 30:35
  Speaker 4: in my car for a little while on my way home,
• 30:38
  Speaker 4: So we'll see then.
• 30:39
  Speaker 2: Bye, guys.
• 30:46
  Speaker 4: Did buy shared on She's on?
• 30:47
  Speaker 5: The money is generally nature and does not consider your
• 30:50
  Speaker 5: individual circumstances. She's on the Money exists purely for educational
• 30:55
  Speaker 5: purposes and should not be relied upon to make an
• 30:57
  Speaker 5: investment or financial decision. If you'd do choose to buy
• 31:00
  Speaker 5: a financial product, read the PDS TMD and obtain appropriate
• 31:04
  Speaker 5: financial advice.
• 31:05
  Speaker 4: Tailored towards your needs.
• 31:07
  Speaker 5: Victoria Divine and She's on the Money are authorized representatives
• 31:11
  Speaker 5: of money. Sheper p T y lt D A b
• 31:13
  Speaker 5: N three two one six four nine two seven seven
• 31:17
  Speaker 5: zero eight AFS L four five one two eight nine