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5 ways to not go broke this festive season · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money. Hello, and
• 0:12
  Speaker 1: welcome to She's on the Money, the podcast for millennials
• 0:15
  Speaker 1: who want financial freedom. My name is Georgia King. I'm
• 0:18
  Speaker 1: a copywriter and journalism student, and every week I chat
• 0:21
  Speaker 1: money and how we can make it work for us
• 0:23
  Speaker 1: with millennial finance whiz Victoria Devine.
• 0:26
  Speaker 2: Hello Fee, Hello friends.
• 0:27
  Speaker 1: Now today on the show, we are going to be
• 0:29
  Speaker 1: chatting through everything you need to know when it comes
• 0:31
  Speaker 1: to budgeting for Christmas, which is wild to me because
• 0:34
  Speaker 1: the Christmas episode was actually the first one I did
• 0:37
  Speaker 1: with She's on the Money last year, Fee and.
• 0:39
  Speaker 2: A happy anniversary.
• 0:40
  Speaker 1: Hoy far, happy anniversary. Right back to you now, if
• 0:44
  Speaker 1: you are feeling a little bit stressed about how to
• 0:47
  Speaker 1: get through the festive period without draining all of your finances,
• 0:50
  Speaker 1: then this is absolutely the episode for you. Before we
• 0:54
  Speaker 1: do head into our money wins and confessions from the week,
• 0:56
  Speaker 1: though a little reminder to everyone as well to please
• 1:00
  Speaker 1: in the listener Choice Awards, which we yup don about
• 1:03
  Speaker 1: a little bit last week.
• 1:04
  Speaker 2: Like we've been very self indulgent here by promoting ourselves,
• 1:08
  Speaker 2: but genuinely win. You were talking about this earlier, Georgia
• 1:11
  Speaker 2: and literally like, I'm so grateful to be nominated for
• 1:14
  Speaker 2: the other awards, but really the one I care about
• 1:17
  Speaker 2: is the listener's choice. That's because you guys actually get
• 1:20
  Speaker 2: to say and that's important to us, isn't it.
• 1:23
  Speaker 1: So we'll put the link in the show notes as well,
• 1:26
  Speaker 1: so you can click through by just scrolling down the
• 1:28
  Speaker 1: little show artwork and then you'll find it. Go Friends,
• 1:31
  Speaker 1: Go please, Money Wins, Confessions, Vicky D. You talk to me.
• 1:35
  Speaker 2: If you call me Vicky D again, there will not
• 1:37
  Speaker 2: be another Christmas episode. But if you want to do
• 1:40
  Speaker 2: they I don't know. I actually know they do because
• 1:43
  Speaker 2: so many of them respond to our newsletter emails and
• 1:47
  Speaker 2: they always say, hey, we love this. Also, you have
• 1:50
  Speaker 2: to apologize before we move on to Money Wins and Confessions.
• 1:54
  Speaker 2: In our newsletter every week, friends, Georgia King, does George's
• 1:57
  Speaker 2: unsolicited recommendations? Did you put one in last week? Georgia?
• 2:02
  Speaker 3: No?
• 2:02
  Speaker 1: So the newsletter was like really long this week?
• 2:05
  Speaker 2: Do you know why?
• 2:06
  Speaker 1: I know?
• 2:07
  Speaker 4: How do you know?
• 2:07
  Speaker 2: Because so many people emailed me saying, where's George's unsolicited recommendation?
• 2:12
  Speaker 2: Really yes? And then they also offered their own suggestions,
• 2:15
  Speaker 2: one person saying tuna, another person saying that Pana ice
• 2:19
  Speaker 2: cream was on sale at cold this week. Yeah, like
• 2:22
  Speaker 2: all of these things could have been included, yet you
• 2:25
  Speaker 2: chose not to share your unsolicited recommendation.
• 2:28
  Speaker 1: Sorry to everyone who does feel cheated there. I won't
• 2:31
  Speaker 1: let it happen again, and that's on me, and I'll
• 2:32
  Speaker 1: reflect on that overnight, and you know it won't. Just
• 2:35
  Speaker 1: Just watch out Friday, you're in box around twelve pm.
• 2:38
  Speaker 1: There'll be something sparkly for you in there.
• 2:40
  Speaker 2: Thank you. Georgia. Feedback is very big part of shares
• 2:42
  Speaker 2: and the money's culture.
• 2:44
  Speaker 1: Wins and confessions.
• 2:45
  Speaker 2: Talk to me, all right, I have one from a
• 2:47
  Speaker 2: little bit of left field, right, so I have at
• 2:50
  Speaker 2: home and iMac and I have had that since twenty twelve.
• 2:54
  Speaker 2: It was the computer that I wrote my thesis on
• 2:56
  Speaker 2: Georgia King, which is very exciting, smartest smarty, and I
• 2:59
  Speaker 2: stopped you using it because the hinge on it broke,
• 3:02
  Speaker 2: so like where the stand is and the screen is,
• 3:05
  Speaker 2: the hinge stopped working, and so I got a quote
• 3:08
  Speaker 2: from Apple to get it fixed ages ago, and it
• 3:11
  Speaker 2: was gonna be I think it was like seven or
• 3:13
  Speaker 2: eight hundred dollars, and I was like that it's just
• 3:15
  Speaker 2: not happening. So for a very long time I had
• 3:17
  Speaker 2: a jar or an empty jar of peanut butter holding
• 3:19
  Speaker 2: the screen up, and then I migrated to just using
• 3:22
  Speaker 2: my work laptop for everything. So during IO, I realized
• 3:26
  Speaker 2: I do really like having a home office, but I
• 3:28
  Speaker 2: would like to have my computer there full time. So
• 3:31
  Speaker 2: I started googling how to fix it myself. Turns out
• 3:34
  Speaker 2: that's next to impossible, but someone online sells a little
• 3:38
  Speaker 2: plastic hinge that solves the problem perfectly. So instead of
• 3:42
  Speaker 2: spending seven hundred dollars on getting my iMac fixed, which
• 3:45
  Speaker 2: arguably is a great money win, I spent like forty
• 3:48
  Speaker 2: dollars or something on this little plastic hinge online that
• 3:51
  Speaker 2: is gorgeous. Yeah, it was actually really helpful, and Eclipse
• 3:53
  Speaker 2: onto the back and you're none the wiser.
• 3:56
  Speaker 1: How can Apple possibly charge eight hundred bucks for that?
• 3:59
  Speaker 2: By the way, I think it was because it was
• 4:00
  Speaker 2: completely out of warranty, and from watching numerous YouTube videos
• 4:04
  Speaker 2: my friend, I've realized it means pulling the entire computer
• 4:07
  Speaker 2: apart and putting it back together, which I clearly do
• 4:10
  Speaker 2: not have the skill for, so I didn't do it.
• 4:12
  Speaker 2: I bought a plastic hinge. So that's my money win
• 4:15
  Speaker 2: this week. I know you guys are so enthusiastic about it,
• 4:18
  Speaker 2: but Georgia King, do you have a money win or
• 4:20
  Speaker 2: confession for us that's arguably better than mine?
• 4:23
  Speaker 1: Look, mine is kind of boring as well, just kidding,
• 4:26
  Speaker 1: Yours wasn't boring. So I've been selling stuff online recently, Guys.
• 4:32
  Speaker 1: I've never done that before because I'm lazy. I've had
• 4:35
  Speaker 1: this box of clothes sitting in my room since probably
• 4:38
  Speaker 1: year twelve. There's a couple of formal dresses in there
• 4:40
  Speaker 1: that are mine. If anyone is interested, Mgking me up, yep, yep,
• 4:45
  Speaker 1: I'll sign it for you. Just kidding. No one would
• 4:47
  Speaker 1: be interested in that. But no, I've made some money,
• 4:51
  Speaker 1: not that much money, like one hundred and twenty bucks,
• 4:53
  Speaker 1: but put that in me saving.
• 4:55
  Speaker 2: Why do you look at me like you're so surprised?
• 4:57
  Speaker 2: We are literally the poster of women of selling things
• 5:01
  Speaker 2: online side hustling getting extra card. It felt good, Yeah,
• 5:04
  Speaker 2: it feels good, But I'm just shocked that you're so
• 5:07
  Speaker 2: surprised it actually worked. It's such an easy solution.
• 5:11
  Speaker 1: The only downside was postage though. I forgot to put
• 5:14
  Speaker 1: that into the price and it's like ten dollars to
• 5:16
  Speaker 1: post some mail. I didn't. I just haven't done that
• 5:20
  Speaker 1: in a long time.
• 5:21
  Speaker 2: Yeah, it is actually quite expensive. Hot tip for you
• 5:24
  Speaker 2: guys selling online, either say postages included or I'd say
• 5:29
  Speaker 2: the price yeah, or say plus postage yeah, because it
• 5:33
  Speaker 2: often looks more attractive that way.
• 5:35
  Speaker 1: Marketing.
• 5:35
  Speaker 2: Well, actually, I don't know, because I'm like, now we're
• 5:38
  Speaker 2: heading down behavioral finance road, which is not this episode.
• 5:42
  Speaker 2: But like, I'm more likely to buy something if I
• 5:44
  Speaker 2: get free that free shipping.
• 5:46
  Speaker 1: Yes, yeah.
• 5:47
  Speaker 2: If you say it's free postage, I'll.
• 5:48
  Speaker 1: Be like, yes, thank you money.
• 5:50
  Speaker 2: If you say it's four dollars postage, I'll be like, ooh,
• 5:52
  Speaker 2: do I really want to spend four dollars on postage?
• 5:54
  Speaker 4: Right?
• 5:55
  Speaker 1: That's a hot tip and a hot tip to all
• 5:56
  Speaker 1: the ladies out there.
• 5:58
  Speaker 2: Bump up your price slightly and say free postage. Clever.
• 6:01
  Speaker 2: It's what would get me by anyway. Let's move on.
• 6:04
  Speaker 1: Let's move on.
• 6:05
  Speaker 2: You go first. Oh no, you didn't introduce it. I'll
• 6:07
  Speaker 2: introduce it. Guys. Time for the community shout out.
• 6:10
  Speaker 1: It certainly is, VICKI d you can go first, Sorry
• 6:12
  Speaker 1: to stop, Okay, all right, rap, I actually have a
• 6:15
  Speaker 1: money win from our friend Jessica, and I actually really
• 6:18
  Speaker 1: like this one for a number of reasons.
• 6:20
  Speaker 2: You guys will see why. She said after listening to
• 6:23
  Speaker 2: the Christmas episode of She's on the Money last year,
• 6:25
  Speaker 2: she was inspired to set up a Christmas twenty twenty
• 6:27
  Speaker 2: savings account, and she was transferring fifty dollars and she
• 6:30
  Speaker 2: said sometimes more each fortnight from her pay into it.
• 6:35
  Speaker 2: And she created this saver on the twenty third of
• 6:37
  Speaker 2: December twenty nineteen, and then she just hit her goal
• 6:40
  Speaker 2: of fifteen hundred today. She said that she didn't really
• 6:42
  Speaker 2: notice the money being taken out, and she's just found
• 6:45
  Speaker 2: out that she also has two hundred dollars worth of
• 6:48
  Speaker 2: Flybys points, which can also help contribute towards food or
• 6:51
  Speaker 2: beverage over Christmas. She simultaneously hit another major savings goal
• 6:55
  Speaker 2: overall today, so it's a pretty big old money win
• 6:58
  Speaker 2: for her. That's you. Honestly, I love this for so
• 7:01
  Speaker 2: many reasons. First reason, Georgia, is that one she hit
• 7:04
  Speaker 2: a money goal. Fantastic. Heck yeah, they're my favorite.
• 7:08
  Speaker 4: Two.
• 7:08
  Speaker 2: When she was doing her Christmas budgeting, it didn't just
• 7:11
  Speaker 2: include gifts. It was like food and beverages, And I
• 7:14
  Speaker 2: really like that because a little more Yeah, those are
• 7:17
  Speaker 2: the things that catch us out, Like we forget how
• 7:20
  Speaker 2: much we actually spend on extra drinks around Christmas, or
• 7:23
  Speaker 2: like if you have to take a plate to your
• 7:25
  Speaker 2: aunt's place, like you might end up spending forty dollars
• 7:28
  Speaker 2: on a cheese platter or you know, twenty five if
• 7:30
  Speaker 2: you actually do the l detail. But that's not the point,
• 7:33
  Speaker 2: is it. Anyway? I really loved that, and I hope
• 7:36
  Speaker 2: that you've got one as good as I found.
• 7:38
  Speaker 1: Look I do. Mine is from ash Actually, just back
• 7:41
  Speaker 1: on that. I love when we see posts like this
• 7:45
  Speaker 1: off the back of episodes like she took the advice
• 7:47
  Speaker 1: from last year's Christmas episode and has made She's killed
• 7:51
  Speaker 1: that money goal. Looks amazing.
• 7:52
  Speaker 2: I actually love that because like, small things add up
• 7:55
  Speaker 2: and it doesn't feel like a lot when you just start. No,
• 7:58
  Speaker 2: but now Jess has fifteen hundred dollars to spend on
• 8:01
  Speaker 2: Christmas and she's not going to be stressed about it
• 8:03
  Speaker 2: in the slightest. And I know that lots of people
• 8:05
  Speaker 2: who are listening to this today are going to be
• 8:07
  Speaker 2: stressed about Christmas, which is coming up now. So it's
• 8:10
  Speaker 2: kind of just a little kick in the bottom and
• 8:12
  Speaker 2: to let you know that you probably should start a
• 8:13
  Speaker 2: Christmas savings account. We actually have a savings template or
• 8:18
  Speaker 2: a Christmas goal chart that is going to be dropped
• 8:21
  Speaker 2: or should actually Georgia already have been dropped in our
• 8:24
  Speaker 2: podcast group for you guys to download, so you can
• 8:27
  Speaker 2: actually track it and work out how much you need
• 8:29
  Speaker 2: to be saving for Christmas, whether that's next year or
• 8:32
  Speaker 2: even this year, just so you can be on top
• 8:34
  Speaker 2: of it. But we hear your money.
• 8:36
  Speaker 4: We can.
• 8:37
  Speaker 1: The group Miney is from ash So a while ago
• 8:39
  Speaker 1: a girl posted in the group about the my seven
• 8:42
  Speaker 1: eleven app where you can lock fuel prices to save
• 8:45
  Speaker 1: you money, plus you can get some other freebies, which
• 8:48
  Speaker 1: is already a score. As she said, so then she
• 8:51
  Speaker 1: saw a collab opportunity with seven to eleven to promote
• 8:54
  Speaker 1: this app, and she's scored heaps of money from it.
• 8:57
  Speaker 1: She loves it for her, I love it for her,
• 8:59
  Speaker 1: and she wishes everyone a happy weekend. How does that happen?
• 9:02
  Speaker 2: I actually don't know because I've never seen a collabor
• 9:06
  Speaker 2: opportunity for seven eleven, albeit maybe I did accidentally have
• 9:10
  Speaker 2: one the other week because they sent me a box
• 9:12
  Speaker 2: of donuts for Halloween.
• 9:13
  Speaker 1: Heaven.
• 9:14
  Speaker 2: Honestly, I didn't consume any of them. You wouldn't be
• 9:17
  Speaker 2: allowed to. Honestly, I couldn't stuff. But you best believe
• 9:19
  Speaker 2: my partner inhaled for donuts, and I'm assuming by how
• 9:24
  Speaker 2: quickly they were gone it means he liked them.
• 9:27
  Speaker 1: Yeah. Oh, happy for you, Stevie. I wonder if I
• 9:30
  Speaker 1: could collap with seven eleven. I've got about one hundred
• 9:33
  Speaker 1: and fifty followers, So if you're listening seven to eleven,
• 9:35
  Speaker 1: do get in touch. Cheeking on tour. We can work together.
• 9:39
  Speaker 1: Shall we move on to the main topic of today's show?
• 9:41
  Speaker 2: V We absolutely can. I'm really excited about this one.
• 9:44
  Speaker 1: Actually would be a good one.
• 9:45
  Speaker 2: Let's jump straight in.
• 9:47
  Speaker 1: Alrighty guys, So Christmas, it will come as a surprise
• 9:49
  Speaker 1: to precisely no one is an extremely expensive time of
• 9:52
  Speaker 1: the year, and last year Ozzie's actually spent a total
• 9:55
  Speaker 1: of eighteen point eight billion dollars bill has of dollars.
• 10:01
  Speaker 1: That average is out to be nine hundred and sixty
• 10:03
  Speaker 1: nine dollars per household. And crazily, another little stat I
• 10:07
  Speaker 1: found was that five point eight million Australians didn't have
• 10:10
  Speaker 1: enough cash in the bank to cover Christmas and had
• 10:13
  Speaker 1: to actually rely on credit. Now that figure did break
• 10:16
  Speaker 1: my heart feet but it also just makes sense because
• 10:18
  Speaker 1: there is so much pressure at this time of year
• 10:21
  Speaker 1: to spend, spend, spend, And we will talk about that
• 10:24
  Speaker 1: pressure a little bit later on in the show, but
• 10:26
  Speaker 1: before we do that, and before we jump into our
• 10:29
  Speaker 1: Christmas budgeting hacks, talk me through why you think Australians
• 10:33
  Speaker 1: continue to spend so much at this time of year,
• 10:36
  Speaker 1: even though it does seem like our financial literacy has
• 10:39
  Speaker 1: improved so much.
• 10:40
  Speaker 2: I would hope it has. I mean, we've got people
• 10:42
  Speaker 2: implementing our advice from twelve months ago exactly. That's impact
• 10:46
  Speaker 2: right there. But as you said, Georgia, it is an
• 10:48
  Speaker 2: incredibly expensive time of the year. Ozzie. Spend billions and
• 10:52
  Speaker 2: billions of dollars each and every single year on the
• 10:54
  Speaker 2: festive season. It's honestly on so much more than just
• 10:57
  Speaker 2: the gifts as well as we know, it's the food,
• 10:59
  Speaker 2: it's parties, it's the additional travel and petrol money you
• 11:03
  Speaker 2: didn't actually put in the budget. The list of things
• 11:06
  Speaker 2: actually goes on and on when Christmas comes along and
• 11:09
  Speaker 2: in a year where most of us haven't really been
• 11:11
  Speaker 2: spending as much as we would in usual times, my
• 11:14
  Speaker 2: prediction is that it's probably going to be a little
• 11:16
  Speaker 2: bit more over the top than usual when it really
• 11:19
  Speaker 2: shouldn't be. In fact, I've been thinking about this obviously
• 11:22
  Speaker 2: because we planned this episode, and I think that the
• 11:26
  Speaker 2: main reason we just keep continuing to spend it this
• 11:28
  Speaker 2: time of the year is because it's what we've always done.
• 11:31
  Speaker 2: It's that most of us are so used to dropping
• 11:33
  Speaker 2: hundreds each year without really pausing to question the tradition
• 11:36
  Speaker 2: of it, or if we should be spending at this
• 11:38
  Speaker 2: time of the year, or if we should be spending
• 11:40
  Speaker 2: less at this time of the year. The other key
• 11:43
  Speaker 2: thing I think is the marketing Georgia, which absolutely goes
• 11:47
  Speaker 2: overdrive at this time of the year. And it might
• 11:49
  Speaker 2: sound really obvious to those working in sales or marketing,
• 11:52
  Speaker 2: of which I know there are many of you, but
• 11:54
  Speaker 2: the average Joe blow it's very easy to become completely
• 11:57
  Speaker 2: overwhelmed and full victim to the ads that are literally
• 12:00
  Speaker 2: everywhere that are telling us to spend span span span spend.
• 12:03
  Speaker 5: Look.
• 12:04
  Speaker 2: We spoke about the psychology of sales and advertising on
• 12:06
  Speaker 2: last week's show, so I won't harp on it too much,
• 12:09
  Speaker 2: but if you do want to brush up on why
• 12:10
  Speaker 2: our brains are wired to respond to ads the way
• 12:13
  Speaker 2: that they do, I would recommend going back and listening
• 12:15
  Speaker 2: to it, And if you've already listened to it, listen again,
• 12:18
  Speaker 2: listen again. Or maybe we actually just need another episode
• 12:21
  Speaker 2: on the psychology of spending. But even I, as someone
• 12:24
  Speaker 2: who is quite obviously, I would say across finance right
• 12:28
  Speaker 2: like I mean, I don't I'm not perfect, but I
• 12:31
  Speaker 2: do know a little bit about personal finance. It's more
• 12:34
  Speaker 2: of a do as I say, not as I do,
• 12:36
  Speaker 2: kind of mentality. But I do find myself spending more
• 12:39
  Speaker 2: at this time of the year. Yes, I do actually
• 12:41
  Speaker 2: plan for it, and I do budget for it in
• 12:43
  Speaker 2: advance because I know historically what my spending has been
• 12:46
  Speaker 2: like over this period. But for the most financially savvy
• 12:49
  Speaker 2: of us, it can also be a time that we
• 12:50
  Speaker 2: get really swept up. I'm not gonna lie. I did
• 12:52
  Speaker 2: end up going over budget for Christmas last year because
• 12:55
  Speaker 2: I ended up just doing some last minute shopping. And
• 12:57
  Speaker 2: as we all know, this isn't a statistic, it's real.
• 13:00
  Speaker 2: But like I would say, one hundred percent of us
• 13:02
  Speaker 2: who last minute shop spend more than they should have.
• 13:04
  Speaker 1: Oh for sure?
• 13:05
  Speaker 2: Yeah, what do you think that's she's on the money
• 13:07
  Speaker 2: stat just so you know, legitimate as hell certified by
• 13:10
  Speaker 2: VICKI d Yeah.
• 13:11
  Speaker 1: Now do you think that is a pressure of being like, oh,
• 13:14
  Speaker 1: I'm so far behind, better spend more, don't want to
• 13:16
  Speaker 1: miss anything?
• 13:17
  Speaker 3: Like?
• 13:17
  Speaker 1: Is that what that is? Or not sure? Move on?
• 13:19
  Speaker 2: If I'm being honest, I don't know entirely what it is.
• 13:22
  Speaker 2: I think it's the psychology behind wanting to give and
• 13:25
  Speaker 2: wanting to share and just feeling like your love ends
• 13:28
  Speaker 2: up being bundled up into an item, which it absolutely
• 13:32
  Speaker 2: cannot be. But often lots of us feel like, genuinely,
• 13:35
  Speaker 2: if we don't get a good gift, it must mean
• 13:37
  Speaker 2: we don't love that person. A bit of a hippie
• 13:39
  Speaker 2: when it comes to stuff like this as well, because
• 13:42
  Speaker 2: there are some people and I don't know if you
• 13:43
  Speaker 2: guys are into this, This is totally left field. This
• 13:46
  Speaker 2: is such a fluffy episode. I do apologize, but I
• 13:49
  Speaker 2: really like love languages and understanding people's love languages, and
• 13:52
  Speaker 2: some of you are going to have the love language
• 13:54
  Speaker 2: of gift giving, right so that means that you genuinely
• 13:57
  Speaker 2: want to give and receive gifts as sign of affection
• 14:00
  Speaker 2: and love, and that is totally okay. But if that
• 14:03
  Speaker 2: is you, you really need to go above and beyond to
• 14:05
  Speaker 2: make sure that you are staying on budget and that
• 14:07
  Speaker 2: you're really thinking about these gifts so that those gifts
• 14:10
  Speaker 2: don't become just really really expensive because you feel the
• 14:13
  Speaker 2: need to do that because that's your way of showing love.
• 14:15
  Speaker 2: So for me, I think it's genuinely about just not
• 14:18
  Speaker 2: getting caught up in the hype and just really thinking
• 14:21
  Speaker 2: about it. And that is why this week we have
• 14:22
  Speaker 2: created our Christmas spending list so that you can keep
• 14:25
  Speaker 2: track of it and stay on budget and have a
• 14:27
  Speaker 2: little bit of reflection time around how to save the
• 14:30
  Speaker 2: most on this. And given there is what just under
• 14:33
  Speaker 2: two months to Christmas, we actually have the time to
• 14:35
  Speaker 2: plan and still buy things online and have it arrive
• 14:38
  Speaker 2: and you know, actually we've got time to make sure
• 14:40
  Speaker 2: that we're making the right decisions.
• 14:41
  Speaker 4: Here.
• 14:42
  Speaker 1: Back on the love languages, think just for a minute,
• 14:45
  Speaker 1: you would be gift givery, wouldn't you. I feel like
• 14:48
  Speaker 1: that is very much your vibe. Why would you say that, Well,
• 14:51
  Speaker 1: you have given me a few things if you wrote
• 14:53
  Speaker 1: lattes in the past time.
• 14:54
  Speaker 2: Yeah, I'm a bit of a gift giver. I'm definitely
• 14:57
  Speaker 2: a gift giver. And I'm a bit of a words
• 14:59
  Speaker 2: of affirmation person and as well, like I really like
• 15:01
  Speaker 2: telling people how much I appreciate them, which you probably
• 15:03
  Speaker 2: have experienced as well well. Jokes on you. I've never
• 15:07
  Speaker 2: said anything because I have no appreciation for you. I'm
• 15:10
  Speaker 2: also an active service person. Like I feel like all
• 15:12
  Speaker 2: these love languages. If you guys haven't looked into it,
• 15:14
  Speaker 2: it's actually really awesome to understand yourself and your partner
• 15:18
  Speaker 2: or your friends and like how they like to communicate
• 15:21
  Speaker 2: and the actions you can do to have the biggest
• 15:23
  Speaker 2: impact on them. It's just kind of cool. Like there's
• 15:25
  Speaker 2: I think it's five.
• 15:26
  Speaker 1: I think it's five.
• 15:27
  Speaker 2: Different love languages. It's like words of affirmation, physical Dutch,
• 15:30
  Speaker 2: receiving gifts, quality time, and acts of service. And if
• 15:33
  Speaker 2: you can work out what your partners love language is,
• 15:35
  Speaker 2: you can usually get them a gift that they will
• 15:38
  Speaker 2: love the most. So like if their love language is
• 15:40
  Speaker 2: acts of service, like maybe they'd prefer like a homemade
• 15:43
  Speaker 2: like gift card where you say that you'll do things
• 15:45
  Speaker 2: for them and they'd really appreciate that. Whereas if someone
• 15:47
  Speaker 2: really likes quality time, maybe you say, oh we're going
• 15:50
  Speaker 2: to go on a picnic, it's better an entire afternoon together. Like,
• 15:53
  Speaker 2: I know it sounds a little bit fluffy, but it's
• 15:54
  Speaker 2: a really nice way to understand the person that you're
• 15:58
  Speaker 2: giving a gift to, so it can be more thought.
• 16:00
  Speaker 2: And I really like frameworks. I don't know if you
• 16:02
  Speaker 2: guys knew that.
• 16:03
  Speaker 1: What is that? Like a psychologist?
• 16:04
  Speaker 2: No, I just like having structure to everything I create. Yeah,
• 16:08
  Speaker 2: it's so strange. That is interesting.
• 16:11
  Speaker 1: We can probably link that in the group or in
• 16:13
  Speaker 1: the show notes or something, because it is a real thing.
• 16:15
  Speaker 1: We're not just fappen on here, but we will move on.
• 16:18
  Speaker 2: Thank you, Joe.
• 16:20
  Speaker 1: Let's go to our hacks. So the first one I
• 16:23
  Speaker 1: have here is to plan and use the sales coming up,
• 16:26
  Speaker 1: which we spoke about last week, to utilize those discounted
• 16:29
  Speaker 1: prices they elaborate.
• 16:31
  Speaker 2: Yeah, so this one actually ties perfectly into last week's conversation,
• 16:34
  Speaker 2: which was no coincidence. Like we've done this mini series.
• 16:37
  Speaker 2: I hope you guys like it, where we spoke about
• 16:40
  Speaker 2: making the most of the sales that are coming up,
• 16:42
  Speaker 2: so we all know the Black Friday is coming up,
• 16:44
  Speaker 2: and if you have people in mind to buy for,
• 16:46
  Speaker 2: have a brainstorm about what they would want. I'm not
• 16:48
  Speaker 2: going to half on about that because we've just spoken
• 16:50
  Speaker 2: about it, but if you did miss last week's episode
• 16:52
  Speaker 2: on Black Friday, it's coming up on the twenty seventh
• 16:54
  Speaker 2: of November, as is Cyber Monday, which is the following Monday.
• 16:57
  Speaker 2: And as I said to you guys last week, not
• 16:59
  Speaker 2: only can you save money on sales if you're already
• 17:01
  Speaker 2: intending on purchasing that product, but it means that if
• 17:05
  Speaker 2: you're planning, you're not just buying willy nilly and just
• 17:08
  Speaker 2: buying because you've got a discount where you still get
• 17:10
  Speaker 2: that inscidant gratification of purchasing. So let's plan it. The
• 17:13
  Speaker 2: other part is planning, which we spoke about on last
• 17:16
  Speaker 2: year's episode on Christmas, is to put away money regularly
• 17:19
  Speaker 2: so you can afford Christmas and have designated funds for
• 17:22
  Speaker 2: spending at this time of year.
• 17:24
  Speaker 5: Now.
• 17:24
  Speaker 2: Obviously Jessica, who I spoke about before, did this, who
• 17:27
  Speaker 2: I mentioned earlier in the Facebook group. But we can't
• 17:29
  Speaker 2: all be as organized because we don't have twelve months.
• 17:31
  Speaker 2: We've literally only got eight weeks now. But if you
• 17:34
  Speaker 2: haven't been as organized as just that's okay, that's what
• 17:36
  Speaker 2: the hack's on this episode of four Friends.
• 17:39
  Speaker 1: Exactly right there, V And that does lead perfectly into
• 17:41
  Speaker 1: our next hack here, which is to cut back on
• 17:44
  Speaker 1: that non essential spending, which we do talk about all
• 17:46
  Speaker 1: the time, but it is very important, and it is
• 17:48
  Speaker 1: especially important if you are wondering how you're going to
• 17:51
  Speaker 1: pull off Christmas this year, because we can put that
• 17:53
  Speaker 1: extra money away and allocate that towards our Christmas fund.
• 17:57
  Speaker 2: Absolutely, we say it literally all the time. But if
• 18:00
  Speaker 2: you do have trouble identifying where you are spending money unnecessarily,
• 18:03
  Speaker 2: then do print out the last couple of months of
• 18:05
  Speaker 2: your statements so that you can clearly see your spending
• 18:08
  Speaker 2: and then highlight the purchases that you've made that are
• 18:10
  Speaker 2: non essential. So if you can cut out some or
• 18:13
  Speaker 2: even have what you ever had that you have, whether
• 18:16
  Speaker 2: that is lattes or cigarettes I hope not friends sure,
• 18:20
  Speaker 2: but also Uber eats, let's be honest, then you'll be
• 18:22
  Speaker 2: able to put lots of extra cash away each week,
• 18:25
  Speaker 2: which you can put to better use and on things
• 18:27
  Speaker 2: that you actually value as opposed to you know, extra
• 18:29
  Speaker 2: uber eats, which is often a convenience thing. Let's start planning, friends.
• 18:34
  Speaker 1: So would you open up a special Christmas fund account?
• 18:38
  Speaker 4: Is that?
• 18:38
  Speaker 2: So lots of people do do this, and I think
• 18:40
  Speaker 2: it's like it's awesome to have a separate one. I
• 18:43
  Speaker 2: don't have a Christmas fund because it's in my larger
• 18:46
  Speaker 2: you know, cash hub that I use that actually holds
• 18:49
  Speaker 2: all of my savings for different things throughout the year.
• 18:52
  Speaker 2: But I found that using I know this is not
• 18:55
  Speaker 2: sponsored by upbank at all, but I really don't like
• 18:58
  Speaker 2: up the bank. You can break down different savers with them,
• 19:02
  Speaker 2: so instead of opening an entirely new account, you can
• 19:05
  Speaker 2: just break down different savings portions of that account and
• 19:08
  Speaker 2: kind of like have a little Christmas saver, which I
• 19:10
  Speaker 2: really like. And you can even put emojis in the
• 19:12
  Speaker 2: name of this. It's just all center in there.
• 19:14
  Speaker 1: Yeah, I love it. That's at the end.
• 19:16
  Speaker 2: Okay, Yeah, that's the end. That's all I've got.
• 19:18
  Speaker 1: Sorry, Next, Hakfee, which I love. I love this one,
• 19:22
  Speaker 1: but I'll let you explain it. It's to say no
• 19:24
  Speaker 1: more often. Can you talk us through how this can
• 19:26
  Speaker 1: actually save us money.
• 19:27
  Speaker 2: Yes, absolutely, I mean no, I'm a funny coal Sorry sorry, sorry,
• 19:35
  Speaker 2: I just think I'm really funny. You don't need to
• 19:37
  Speaker 2: go to every single event this festive season, my friends.
• 19:40
  Speaker 2: This is true of summer generally too, and it probably
• 19:43
  Speaker 2: wouldn't be as much of an issue this year given
• 19:46
  Speaker 2: now COVID limitations. But you do not need to go
• 19:49
  Speaker 2: to every festival or concert or Christmas party that is
• 19:51
  Speaker 2: coming up. And I know you're probably feeling like you
• 19:54
  Speaker 2: want to because you're making up for lost time. Please
• 19:57
  Speaker 2: think about your bank account before you make these commitments.
• 20:00
  Speaker 2: Catch up with friends one thousand percent. But it doesn't
• 20:02
  Speaker 2: mean you have to go out for drinks, like let's
• 20:05
  Speaker 2: step back into COVID life for a little bit. Let's
• 20:07
  Speaker 2: do some more cheese platters, let's do more picnics like
• 20:10
  Speaker 2: I reckon twenty twenty one should genuinely be about embracing
• 20:14
  Speaker 2: cheaper catch up options, which previously during COVID we were
• 20:17
  Speaker 2: forced into.
• 20:18
  Speaker 1: Exactly right.
• 20:19
  Speaker 2: I really liked it, But I know a lot of
• 20:21
  Speaker 2: people can actually feel really guilty doing this, and I
• 20:24
  Speaker 2: get it because I do too. Women, especially, I think,
• 20:27
  Speaker 2: have the tendency to be people pleasers. But by saying
• 20:30
  Speaker 2: no straight up and being just really honest about how
• 20:32
  Speaker 2: busy you are or that you just genuinely can't afford,
• 20:35
  Speaker 2: it actually has the effect of making people respect you more.
• 20:38
  Speaker 2: And I think that that's a way better look than
• 20:40
  Speaker 2: just canceling the day before or like the day of,
• 20:43
  Speaker 2: which is never that sexy.
• 20:44
  Speaker 1: Oh there's nothing worse than a flake. I actually used
• 20:47
  Speaker 1: to be a bit of a flake in the olden days,
• 20:49
  Speaker 1: the way back, quen George KEI, way back when it
• 20:51
  Speaker 1: was a bit of a high school thing. I just
• 20:52
  Speaker 1: wouldn't go to stuff, and it earned me quite the
• 20:55
  Speaker 1: reputation as a dickhead. So yeah, George in high school.
• 21:03
  Speaker 2: I'm not gonna lie though. I'm a socially anxious person sometimes,
• 21:07
  Speaker 2: which you guys might not have known, but I know
• 21:09
  Speaker 2: Georgia King knows about me. So like, I actually get
• 21:12
  Speaker 2: a lot of joy when someone cancels a social event
• 21:14
  Speaker 2: and me like, oh no, that's terrible, damn we can't
• 21:18
  Speaker 2: go but anyway night or whatever exactly, but moving on.
• 21:22
  Speaker 2: People usually get it, and we've all been there, and
• 21:25
  Speaker 2: I'm sure they've been there themselves, and there is absolutely
• 21:27
  Speaker 2: no shame in saying no. I just think be really
• 21:29
  Speaker 2: honest and upfront about it. There's something so empowering about
• 21:32
  Speaker 2: a friend that's like, hey, that sounds great, Victoria. But
• 21:34
  Speaker 2: I actually I don't afford to do that. Like the
• 21:35
  Speaker 2: first thing I'd go is like, yeah, fantastic, Like I
• 21:38
  Speaker 2: still want to catch up with you, though, how do
• 21:39
  Speaker 2: we do that? Like, it's not actually about the thing
• 21:42
  Speaker 2: with my friends, it's about actually having something to do together.
• 21:46
  Speaker 2: And if my suggestion isn't in budget, that's fine. Nothing
• 21:49
  Speaker 2: set in stone, my friends. I love that.
• 21:52
  Speaker 1: The next little point we have here, which we did
• 21:54
  Speaker 1: speak about last week very briefly, is to opt for
• 21:57
  Speaker 1: handmade gifts. Yes, yes, so I probably, to be honest,
• 22:01
  Speaker 1: wouldn't do this one myself because I do have the
• 22:04
  Speaker 1: craft skills of a first grader. George, I actually thought
• 22:07
  Speaker 1: the count well it is the thought the counts. When
• 22:09
  Speaker 1: I was in grade one, I actually everyone in our
• 22:12
  Speaker 1: whole year level got artist of the week and I didn't.
• 22:15
  Speaker 1: I was the only one that didn't get artists of
• 22:17
  Speaker 1: the week.
• 22:18
  Speaker 2: Well, okay, you being a podcaster now, you creative spunky lady.
• 22:23
  Speaker 1: Anyway, sorry, so many stories from my past tonight. Okay,
• 22:27
  Speaker 1: So what I want you guys to do is have
• 22:28
  Speaker 1: a little think about what you're actually good at. Are
• 22:30
  Speaker 1: you a bit of a chef who could nail, you know,
• 22:32
  Speaker 1: a gingerbread house that's probably more baking than cheffery, but
• 22:35
  Speaker 1: you know whatever, maybe you could bake some nice cookies,
• 22:38
  Speaker 1: whip up some nice gems.
• 22:39
  Speaker 4: Maybe.
• 22:39
  Speaker 2: Honestly, jam is so easy?
• 22:41
  Speaker 5: Is it?
• 22:41
  Speaker 2: Jammy? So easy to make? Like, let's find a little
• 22:44
  Speaker 2: she's on. Let's find a recipe. Let's ask our friend
• 22:47
  Speaker 2: Millie Padola, who's a dietitian, for a jam recipe, and
• 22:50
  Speaker 2: we will post that hot little recipe in the group.
• 22:53
  Speaker 2: And you best believe it'll probably be healthy as well.
• 22:55
  Speaker 2: N't be from our friend Millie.
• 22:57
  Speaker 1: Jam could be healthy, It's just I can totally be
• 23:00
  Speaker 1: sugar and a couple of berries.
• 23:01
  Speaker 2: Yes, but okay, this is such an off track episode,
• 23:04
  Speaker 2: but I'm loving it. You can use chea seeds instead
• 23:07
  Speaker 2: of sugar, so it becomes quite healthy. Let's talk to
• 23:10
  Speaker 2: meally before I sell a recipe. She doesn't indoors. Yes,
• 23:13
  Speaker 2: I've made it before and I really like.
• 23:14
  Speaker 1: It, so sting Alright, honestly, we should all get jam
• 23:17
  Speaker 1: jarring yep, cheer c jam. Okay, other ideas. You know,
• 23:21
  Speaker 1: you could be artistic. You could draw a paint, knit crochet.
• 23:24
  Speaker 1: I don't know people are into that. I'm laughing here,
• 23:27
  Speaker 1: but people love homemade gifts because they are They're full
• 23:30
  Speaker 1: of love, They're a little bit sentimental, they're a little
• 23:32
  Speaker 1: bit thoughtful, I guess. And it's better than just like
• 23:35
  Speaker 1: a scented candle or another body shop moisturize, which I
• 23:38
  Speaker 1: would love the.
• 23:39
  Speaker 2: Old body shop. I'm not going to bodyshop moisturizer. It
• 23:42
  Speaker 2: is good chef's kiss to it.
• 23:44
  Speaker 1: Yeah, it is chef's kiss, but you know it is
• 23:46
  Speaker 1: also it's what you get for those people that you
• 23:48
  Speaker 1: don't know.
• 23:49
  Speaker 2: You know, like I made my part and I think
• 23:52
  Speaker 2: I've told you guys this and if you guys would
• 23:55
  Speaker 2: like to know, do you know what? I'm going to
• 23:56
  Speaker 2: start talking about myself because I actually had a really
• 23:59
  Speaker 2: great chat with friends from the Outspoken podcast this week, yep,
• 24:03
  Speaker 2: and they asked me a lot of invasive questions about
• 24:05
  Speaker 2: my family life and about my Christmas tradition. So if
• 24:09
  Speaker 2: you want to know what I do for Christmas, head
• 24:11
  Speaker 2: on over to my friends and have a listen to
• 24:13
  Speaker 2: their pod, I'm moving on. What's the next tack, Georgia kids.
• 24:16
  Speaker 1: Okay, so the next tack is to set price limits
• 24:19
  Speaker 1: with your friends or family slash whoever you really buy for,
• 24:22
  Speaker 1: and also to consider starting a Chris Kringle. So talk
• 24:25
  Speaker 1: us through these points fare Okay.
• 24:26
  Speaker 2: So this monster. Let's be honest, little bit self explanatory.
• 24:30
  Speaker 2: But they are both really good ways of putting a
• 24:33
  Speaker 2: ceiling on your spending at Christmas time. So choose a
• 24:35
  Speaker 2: set amount and just stick to it. If you have
• 24:37
  Speaker 2: a partner do the same thing, things can actually get
• 24:40
  Speaker 2: super out of control this time of year, so take
• 24:42
  Speaker 2: control instead. By setting boundaries on your spending, your friends
• 24:45
  Speaker 2: and family are honestly going to be relieved as well.
• 24:48
  Speaker 2: And Chris Kringle is honestly another smart way of spending less.
• 24:51
  Speaker 2: It's also known as secret Santa, whatever you want to
• 24:54
  Speaker 2: call it. I'm cool with that. So basically, each member
• 24:57
  Speaker 2: of your family or your friendship group just has one
• 25:00
  Speaker 2: person to buy for instead of several. It is often
• 25:02
  Speaker 2: kept at a certain price point as well, which we love,
• 25:05
  Speaker 2: and it makes the whole ordeal far easier and far
• 25:08
  Speaker 2: more financially attainable. I also think it's a little bit
• 25:11
  Speaker 2: more economical, like in terms of just like waste and
• 25:14
  Speaker 2: like getting one present instead of six million presents you're
• 25:17
  Speaker 2: not actually going to use. Well, that's a massive issue
• 25:19
  Speaker 2: at this time of year. The waste would just be ridiculous.
• 25:21
  Speaker 2: I should have got some stats for us, but I didn't.
• 25:25
  Speaker 2: But we will do more stats on podcast friends.
• 25:28
  Speaker 1: Yes, yes, yes, another question for you here, sorry, Brogue.
• 25:32
  Speaker 1: How much do you think you should spend on your partner?
• 25:35
  Speaker 2: I think it varies completely, it's completely personal, but I
• 25:39
  Speaker 2: do think that you should have a chat. No, I
• 25:41
  Speaker 2: don't think that there's a ballpartner, because I think i've actually,
• 25:44
  Speaker 2: you know what, George, Head on over to Outspoken the podcast.
• 25:46
  Speaker 2: I don't even know if they've published the Christmas episode yet,
• 25:49
  Speaker 2: but I'm sure it's coming soon. They definitely do deserve
• 25:51
  Speaker 2: some more subscribers. Though. This is absolutely not sponsored, but
• 25:54
  Speaker 2: I actually talked about what my partner and I do
• 25:57
  Speaker 2: for Christmas because we don't actually buy each other big
• 25:59
  Speaker 2: press sense. We do what's called a Christmas basket. So
• 26:02
  Speaker 2: head on over there and maybe you will learn something. Friends.
• 26:05
  Speaker 1: Yes, good teas also a really long story. Okay, love it? Okay,
• 26:10
  Speaker 1: Well that brings us to the end. Actually, here we are,
• 26:12
  Speaker 1: so let's recap. We've got Chris Kringle. Yes, we've got
• 26:16
  Speaker 1: price limits where you can absolutely yeah, and it's going
• 26:19
  Speaker 1: to be different for everyone depending on just what your
• 26:22
  Speaker 1: values are. I guess we have opting for homemade and
• 26:25
  Speaker 1: hitting up our friend Millie Padula and dietician edition. Yes, yeah, exactly,
• 26:29
  Speaker 1: but like hoping that she has capacity to help us,
• 26:31
  Speaker 1: I reckon.
• 26:32
  Speaker 2: We're just wildly speculating.
• 26:33
  Speaker 1: Yeah, she might not be interested, she might be done
• 26:35
  Speaker 1: with us. Okay, next one will say no more. Loved
• 26:39
  Speaker 1: that one. Planning that's an obvious one as well. And
• 26:42
  Speaker 1: then of course cutting out non essential spending in the
• 26:45
  Speaker 1: lead up, which is kind of hard to do right now,
• 26:47
  Speaker 1: it's so hard.
• 26:48
  Speaker 2: There's so many good now as well. It's like yes,
• 26:52
  Speaker 2: like there's so many good sales and like this morning,
• 26:55
  Speaker 2: get this, it's wild. I went to my first pilates
• 26:58
  Speaker 2: class of the season, same thank girl, Oh my gosh,
• 27:01
  Speaker 2: I'm so excited. But one of their girls across from me,
• 27:04
  Speaker 2: I could see the brand on her leggings, and her
• 27:07
  Speaker 2: leggings were again Chef's Kiss. Amazing, I think it said
• 27:10
  Speaker 2: nimble and I don't own anything from Nimble yet, so
• 27:13
  Speaker 2: I was kind of like, maybe I'll look at that
• 27:15
  Speaker 2: when I get home. That's terrible from me, Like, I
• 27:17
  Speaker 2: do not need more workout leggings, nor do I need
• 27:20
  Speaker 2: to be spending money right now. So I think this
• 27:22
  Speaker 2: is just a little check in for all of you
• 27:24
  Speaker 2: guys who are spending money on yourself that you potentially
• 27:26
  Speaker 2: don't need to be spending when we've got a bit
• 27:29
  Speaker 2: of a pricey period coming up.
• 27:30
  Speaker 1: Yeah, exactly, think about it. It can be tempting, especially
• 27:32
  Speaker 1: to our Malburnians who haven't really had an op to
• 27:35
  Speaker 1: go out and shop.
• 27:36
  Speaker 2: Run one hundred percent.
• 27:38
  Speaker 1: I wanted to flag here as well our mates over
• 27:40
  Speaker 1: at Aldi. You know, also not sponsored, We're just in love, said,
• 27:44
  Speaker 1: I know, but you mentioned before the cheeseboard, our cheeseboard challenge.
• 27:47
  Speaker 2: It's honestly, it's so good, Like set a challenge. If
• 27:50
  Speaker 2: you're going to go over to someone's house for Christmas
• 27:53
  Speaker 2: and you are meant to bring something along, what a
• 27:55
  Speaker 2: better idea than to set a budget and try and
• 27:57
  Speaker 2: stick to it.
• 27:58
  Speaker 1: Yeah, one hundred one hundred one, take a shot. Yeah,
• 28:02
  Speaker 1: love it? Oh God. Also, last bit from me, I'm
• 28:05
  Speaker 1: gonna wind this up is to also be careful of
• 28:08
  Speaker 1: the boxing day's sales, which can be very tempting on
• 28:10
  Speaker 1: the old twenty sixth of December. You know, use the
• 28:13
  Speaker 1: sales if you're gonna buy stuff anyway, but don't just
• 28:16
  Speaker 1: do it because it's a massive sale, which is what
• 28:18
  Speaker 1: everyone does on Boxing date. It's ridiculous. That is all
• 28:21
  Speaker 1: from me, vickd round us out. Okay, well, just that's
• 28:25
  Speaker 1: five times I've called you that. Sorry, all right, Georgia.
• 28:30
  Speaker 1: Before you hustle me on into the listener question, I
• 28:33
  Speaker 1: wanted to just add that this Christmas is going to
• 28:35
  Speaker 1: be a special one.
• 28:35
  Speaker 2: Because it's been a little bit of a weird and
• 28:38
  Speaker 2: isolating and difficult year for so many of us. For
• 28:41
  Speaker 2: lots of listeners, they're not actually going to be able
• 28:43
  Speaker 2: to spend time with their families this year. So to
• 28:45
  Speaker 2: all of you, we are sending our love and we
• 28:47
  Speaker 2: want you to know that you're part of our family.
• 28:50
  Speaker 2: But now we can have our listener question, let's do it.
• 28:53
  Speaker 3: Hello, love lies. I'm currently five K debt and it
• 28:56
  Speaker 3: is bad debt, as you girls will call it. But
• 28:59
  Speaker 3: I don't want to be sting to this Christmas as
• 29:01
  Speaker 3: I love giving and I would hate to miss out
• 29:03
  Speaker 3: just because I've made some silly decisions in the past.
• 29:07
  Speaker 3: I know you'll say not to rely on a credit card,
• 29:09
  Speaker 3: but I don't feel like I have much of a choice.
• 29:12
  Speaker 3: Any ideas you have of not leaning on credit at
• 29:15
  Speaker 3: this time would be amazing.
• 29:17
  Speaker 1: What's the answer to this one being?
• 29:19
  Speaker 2: I think this is a really interesting one because I
• 29:21
  Speaker 2: know so many people are going to be going into
• 29:23
  Speaker 2: this Christmas in debt. So for me, it would actually
• 29:27
  Speaker 2: be about making a budget, understanding your cash flow, and
• 29:30
  Speaker 2: I mean, never rely on credit if you can avoid
• 29:33
  Speaker 2: it going to be unavoidable for some people. I'm not
• 29:36
  Speaker 2: going to sit here and be like, just don't do it,
• 29:38
  Speaker 2: because it means that you actually miss out, and like,
• 29:41
  Speaker 2: I think it's a very challenging space, right. The advice
• 29:43
  Speaker 2: here is obviously, do not rely on credit. But if
• 29:46
  Speaker 2: you cannot put food on the table or get Christmas
• 29:50
  Speaker 2: presents for your children or family this year without relying
• 29:53
  Speaker 2: on credit, like, that's okay. Like, and I want you
• 29:56
  Speaker 2: to know that that's okay. I'm obviously not endorsing it
• 29:58
  Speaker 2: as a really great long term solution, but if it's
• 30:01
  Speaker 2: something that you actually need to do fantastic, But don't
• 30:04
  Speaker 2: go crazy just because it's on a credit card. Still
• 30:07
  Speaker 2: have a budget, Still put in place limits on things.
• 30:10
  Speaker 2: Talk about to yourself, even just what you want to spend.
• 30:13
  Speaker 2: Are you spending fifty dollars a gift? Treat your credit
• 30:16
  Speaker 2: card like you're spending your savings, because you are going
• 30:19
  Speaker 2: to have to pay it back, and the longer you
• 30:20
  Speaker 2: take to pay it back, the more expensive it's going
• 30:23
  Speaker 2: to be. And also understand that this is probably a
• 30:26
  Speaker 2: really good time to go. All right, do you know what,
• 30:28
  Speaker 2: I'm not going to feel guilty about putting Christmas this
• 30:31
  Speaker 2: year on the credit card because it is the last
• 30:33
  Speaker 2: time I'm putting Christmas on the credit card, and really
• 30:36
  Speaker 2: knuckle down for the new year. Create, just like Jessica,
• 30:39
  Speaker 2: your Christmas savings goal. So this is not a situation
• 30:42
  Speaker 2: you find yourself in next year. But I do not
• 30:44
  Speaker 2: want for even two seconds people to think that because
• 30:48
  Speaker 2: I'm against credit cards, it means you shouldn't be using
• 30:50
  Speaker 2: them at Christmas time. So many of us have been
• 30:53
  Speaker 2: through such challenging years that I just think it's so
• 30:57
  Speaker 2: naive and so yeah, it's just not appropriate for anyone
• 31:01
  Speaker 2: to have the opinion that that's a hard no. Like,
• 31:04
  Speaker 2: if you need it, my friend, I'm with you, but
• 31:06
  Speaker 2: we need to create a plan that you are no
• 31:08
  Speaker 2: longer reliant on that in the future. Does that make sense, Georgia, Yeah.
• 31:12
  Speaker 1: Yeah, it does, And it is hard because you know,
• 31:16
  Speaker 1: the kicker with credit cards is that you get them
• 31:18
  Speaker 1: for the right reason, or maybe you don't, but sometimes
• 31:21
  Speaker 1: you do and then you can let it spin out
• 31:24
  Speaker 1: of control. But if it's a lifeline for you, I
• 31:28
  Speaker 1: think that that's a really good thing, right.
• 31:30
  Speaker 2: Yeah, Look, they're not the devil that often people make
• 31:34
  Speaker 2: them out to be. Nobody gets a credit card with
• 31:36
  Speaker 2: the intention of going into heaps of personal debt. Not
• 31:39
  Speaker 2: one of you that is listening that is in personal
• 31:42
  Speaker 2: debt is going to say, oh, well, actually I got
• 31:45
  Speaker 2: this because I have I just have always wanted to
• 31:47
  Speaker 2: be in debt, Victoria, Like, it just doesn't happen. So
• 31:50
  Speaker 2: I think it's just being really aware that you are
• 31:52
  Speaker 2: using this as a tool to achieve your goals and
• 31:55
  Speaker 2: your values, but it is not a sustainable option.
• 32:04
  Speaker 5: Hi, I'm twenty four, I've got a new house and
• 32:06
  Speaker 5: a new knows and.
• 32:07
  Speaker 4: This is my money diary. I'd say my attitude to money.
• 32:10
  Speaker 5: Has always been a really positive one and a really
• 32:14
  Speaker 5: valuable one.
• 32:15
  Speaker 4: My grandparents on both.
• 32:17
  Speaker 5: Sides of my family, they were immigrants to Australia and
• 32:20
  Speaker 5: literally started with nothing, so they had to build from
• 32:23
  Speaker 5: the ground up and worked really, really hard and therefore
• 32:26
  Speaker 5: instilled that sort of attitude onto my parents. My dad
• 32:29
  Speaker 5: has been a small business owner ever since I could remember,
• 32:33
  Speaker 5: so I've always seen him work really hard and value
• 32:35
  Speaker 5: money in a very different way, and the way that
• 32:38
  Speaker 5: he looks at investing has sort of shaped the way
• 32:41
  Speaker 5: that I feel about money. I remember when I turned fifteen,
• 32:45
  Speaker 5: he sort of turned around and said, cool, you're at
• 32:47
  Speaker 5: the legal age.
• 32:48
  Speaker 4: Now you need to start working.
• 32:49
  Speaker 5: That's exactly what I did, and my main motivation at
• 32:53
  Speaker 5: the time was that I actually.
• 32:54
  Speaker 4: Wanted a nose job. That was something that I've been really.
• 32:57
  Speaker 5: Self conscious about since I was an adolescent teen type
• 33:00
  Speaker 5: of thing. So when I was suddenly thus with the
• 33:03
  Speaker 5: opportunity of having a job, I was like, oh, my gosh,
• 33:05
  Speaker 5: I could have a nose job in a year, Like
• 33:07
  Speaker 5: not really knowing how much a fifteen year old actually
• 33:10
  Speaker 5: gets paid and that kind of stuff.
• 33:13
  Speaker 4: That was in high school.
• 33:13
  Speaker 5: I started working weekend jobs at a cafe, and my
• 33:18
  Speaker 5: dad was the one that actually said, like, say, for example,
• 33:20
  Speaker 5: I got paid one hundred dollars a week, he said, Nope,
• 33:23
  Speaker 5: seventy dollars is going straight to savings.
• 33:24
  Speaker 4: You can have the remaining thirty I.
• 33:26
  Speaker 5: Remember I hated him at the time for it because
• 33:29
  Speaker 5: everyone else had. All my friends that had part time
• 33:32
  Speaker 5: jobs or casual jobs were able to spend their money freely,
• 33:35
  Speaker 5: and I almost thought that I was doing a slave
• 33:37
  Speaker 5: labor type of thing, or like child labor, working really
• 33:40
  Speaker 5: really hard and not seeing a result.
• 33:43
  Speaker 4: But I was really really grateful because by.
• 33:44
  Speaker 5: The time that I turned eighteens, I realized that I
• 33:47
  Speaker 5: needed a car. So once I had purchased my car,
• 33:51
  Speaker 5: my next goal was going to be the Rhino plastic
• 33:54
  Speaker 5: because everyone had said to me, there's no point in
• 33:56
  Speaker 5: getting a nose job, like save for other things, there's
• 33:58
  Speaker 5: no point. But I figured my mental health was something
• 34:02
  Speaker 5: that I valued more than the next milestones or the
• 34:05
  Speaker 5: traditional milestones. I was able from eighteen till just after
• 34:10
  Speaker 5: my twenty first birthday, I was able to save enough
• 34:12
  Speaker 5: for my nose job, which at the time cost fifteen
• 34:17
  Speaker 5: thousand dollars. It's a huge amount for me to part with,
• 34:20
  Speaker 5: But at the end of the day, that definitely the
• 34:22
  Speaker 5: ligned with my values because when I had had it done,
• 34:26
  Speaker 5: my entire mindset had changed and it actually made me
• 34:29
  Speaker 5: a more confident person. And it certainly hasn't stopped me
• 34:32
  Speaker 5: from working towards other savings goals as well, because yeah,
• 34:36
  Speaker 5: I think mental health above all trumps those like expected
• 34:39
  Speaker 5: milestones that I was meant to meet and things like that.
• 34:42
  Speaker 1: What does she do to earn money? How much does
• 34:44
  Speaker 1: she earn and how much is sitting in her bank
• 34:46
  Speaker 1: account right now.
• 34:48
  Speaker 4: I am an osteopath.
• 34:50
  Speaker 5: I am relatively new to the profession, so my wage
• 34:54
  Speaker 5: is currently at fifty two thousand a year about that,
• 34:58
  Speaker 5: but because it's a quite a physical job, I only
• 35:01
  Speaker 5: do about thirty hours a week. Prior to us buying
• 35:04
  Speaker 5: our house, at the end of July, in my savings
• 35:07
  Speaker 5: account I had about sixty five thousand. I've got three
• 35:10
  Speaker 5: sort of separate accounts, so in my everyday account, I
• 35:12
  Speaker 5: have got about three and a half thousand, So that's
• 35:16
  Speaker 5: just where my wage goes into and then I disperse
• 35:19
  Speaker 5: it from there. I've got a savings account which has
• 35:23
  Speaker 5: four thousand.
• 35:25
  Speaker 4: It used to be a lot bigger than that, prior
• 35:28
  Speaker 4: to me just buying the house.
• 35:30
  Speaker 5: And then myce and I have an account together that's
• 35:33
  Speaker 5: for a travel account, and that's got about seven and
• 35:35
  Speaker 5: a half thousand.
• 35:35
  Speaker 1: What is her attitude towards investing? Does she invest one?
• 35:39
  Speaker 5: I don't currently invest. I do want to invest in
• 35:42
  Speaker 5: the future. I think investing is a really awesome concept.
• 35:46
  Speaker 5: The idea of having a passive income is something that
• 35:49
  Speaker 5: just absolutely fascinates me. I was never exposed to investing
• 35:53
  Speaker 5: in i'd say the traditional way people expect investing, which
• 35:56
  Speaker 5: is like the shares and stuff like that. I was
• 35:58
  Speaker 5: more exposed to property investing, but I don't think in
• 36:02
  Speaker 5: this current climate is something that I'll be able to achieve,
• 36:06
  Speaker 5: and especially not with my current wage in my fiance's
• 36:08
  Speaker 5: current wage. But I certainly do want to look into
• 36:12
  Speaker 5: property investing because I see my dad now living on
• 36:16
  Speaker 5: primarily a passive income through his property investing, and I
• 36:20
  Speaker 5: really really admire that and I aspire to be like
• 36:22
  Speaker 5: him in that way. So I've been exposed to investing,
• 36:25
  Speaker 5: but in probably different ways.
• 36:26
  Speaker 1: What debts does she have?
• 36:27
  Speaker 4: I have my hex debt.
• 36:29
  Speaker 5: I think it's currently sitting at thirty eight thousand.
• 36:34
  Speaker 4: That's yet, that's the only debt that I actually have.
• 36:36
  Speaker 5: I've never had a credit card, I've never had a
• 36:39
  Speaker 5: car loan, I have never had.
• 36:41
  Speaker 4: Any other personal loans.
• 36:43
  Speaker 5: I am very against that because I feel, look, if
• 36:45
  Speaker 5: I have those options available to me, I will just spend.
• 36:50
  Speaker 4: So, yeah, you know you have got one other debt, right,
• 36:54
  Speaker 4: what's my debt? Oh my, oh god, I keep forgetting that.
• 37:01
  Speaker 4: That's a thing. Oh my gosh.
• 37:05
  Speaker 1: What is her best money habit?
• 37:07
  Speaker 5: Definitely the fact that once I set my mind to it,
• 37:09
  Speaker 5: I can save. But other than that, which I feel
• 37:14
  Speaker 5: is relatively evident in my habits, I would say that
• 37:19
  Speaker 5: I have a real knack of if I want something,
• 37:23
  Speaker 5: I will find the cheapest way to get there without
• 37:27
  Speaker 5: compromising on quality. Like, for example, I wanted a really
• 37:30
  Speaker 5: nice TV unit, and all of the TV units that
• 37:32
  Speaker 5: are really really good quality somewhat over one thousand dollars.
• 37:36
  Speaker 5: But I had found a lady on Instagram that was
• 37:38
  Speaker 5: doing refurbishments and I was able to get this massive,
• 37:41
  Speaker 5: beautifully made TV unit for about three hundred dollars. So
• 37:43
  Speaker 5: I was really stoked about that.
• 37:45
  Speaker 1: And what's her worst money habit?
• 37:47
  Speaker 5: I spend a lot on takeaway food and coffee and
• 37:51
  Speaker 5: just general lifestyle things that include food. In my head,
• 37:56
  Speaker 5: I equate food to necessities and essentials when like, it's
• 38:00
  Speaker 5: not essential for me to buy a crossopt and a
• 38:02
  Speaker 5: coffee every single morning, but that is something that I'm
• 38:05
  Speaker 5: just like, yep, I've got the money there, I'm going
• 38:07
  Speaker 5: to pay for it. So I'd say that's definitely my
• 38:09
  Speaker 5: worst money habit because I could probably save a lot
• 38:12
  Speaker 5: more put that towards another nice thing, like a nice
• 38:14
  Speaker 5: shirt or really good skincare or makeup. But definitely takeaway
• 38:18
  Speaker 5: food is the worst thing for me.
• 38:21
  Speaker 1: What is her big money goal prior.
• 38:23
  Speaker 5: To actually having the house. I'd say that my biggest
• 38:25
  Speaker 5: money goal was actually being a homeowner, so I was
• 38:28
  Speaker 5: very very excited to get able to achieve that with
• 38:30
  Speaker 5: my fiance. But I would say short term more a
• 38:34
  Speaker 5: family car. We're still quite young, so we're not planning
• 38:37
  Speaker 5: a family anytime soon, but ideally would like to. If
• 38:40
  Speaker 5: we want to upgrade our car, We're thinking a family
• 38:42
  Speaker 5: car would be the next thing, so we're saving for
• 38:44
  Speaker 5: that at the moment.
• 38:45
  Speaker 1: And what grade would she give her money habits?
• 38:47
  Speaker 5: I would give my money habits a B plus. The
• 38:52
  Speaker 5: reason why is because other than saving really well, I
• 38:56
  Speaker 5: feel like that's where my good money habits sort of end.
• 38:58
  Speaker 5: So because I have been able, we will live at home,
• 39:01
  Speaker 5: and I haven't had much expenses, I know that once
• 39:03
  Speaker 5: I am actually out of home, I'm going to have
• 39:05
  Speaker 5: a bit of a shock as to what budgeting is
• 39:08
  Speaker 5: actually like, and you know what bill paying is like
• 39:11
  Speaker 5: and those kind of expenses. So I think I'm going
• 39:13
  Speaker 5: to come to terms with the fact that I can't
• 39:15
  Speaker 5: save as much as I am used to saving.
• 39:19
  Speaker 4: So I think I have a lot to learn in
• 39:22
  Speaker 4: that regard.
• 39:22
  Speaker 5: So that's why I'm putting myself at a B plus,
• 39:24
  Speaker 5: because you know, I don't necessarily invest yet, and I.
• 39:27
  Speaker 4: Don't know what quotations real world spending is going to
• 39:31
  Speaker 4: be like.
• 39:32
  Speaker 1: So the twenty four new house and new nos, I
• 39:36
  Speaker 1: love you.
• 39:36
  Speaker 4: It's true.
• 39:37
  Speaker 2: I really liked it because she was obviously spending in
• 39:39
  Speaker 2: line with her goals and her values. And something that
• 39:41
  Speaker 2: really shines through here, which is kind of like the
• 39:44
  Speaker 2: message that we wanted you to get out of this,
• 39:46
  Speaker 2: is that everybody has different values and everybody has different
• 39:50
  Speaker 2: goals and they are all valid. And I think that
• 39:52
  Speaker 2: if you want new nose, you want some new boobs, girl,
• 39:54
  Speaker 2: I'm here for you if you budget for it and
• 39:56
  Speaker 2: it is aligned to your goals and values and it
• 39:58
  Speaker 2: doesn't put you in personal debt. Like these are the
• 40:01
  Speaker 2: things that are important. If a new nose is the
• 40:03
  Speaker 2: thing that you need, fantastic, I'm so here for it.
• 40:06
  Speaker 2: And I loved that. She was just like, no, my
• 40:08
  Speaker 2: self confidence would benefit from it. Like that's to me
• 40:11
  Speaker 2: really important. And sometimes I think we forget how important
• 40:16
  Speaker 2: our mental health is and how money can actually help
• 40:19
  Speaker 2: us achieve mental health, like positive mindset, which I think
• 40:22
  Speaker 2: is really important as well. So sometimes I often see
• 40:24
  Speaker 2: people in our community putting far too much pressure on
• 40:27
  Speaker 2: themselves to save and invest when they have other things
• 40:30
  Speaker 2: that they really want to spend their money on. And
• 40:32
  Speaker 2: so that's where values come in. It's not just always
• 40:35
  Speaker 2: financial values and how rich you can get. Yeah, And
• 40:39
  Speaker 2: that's like a big money goal that she worked towards
• 40:41
  Speaker 2: for a long time. And she was saying that when
• 40:44
  Speaker 2: she was a teenager, her dad made her ferresh away
• 40:48
  Speaker 2: most of what she would earn. I do like that.
• 40:51
  Speaker 2: I like it too.
• 40:52
  Speaker 1: Just you good, just good lessons young on how to
• 40:56
  Speaker 1: manage your money, and then she would have been strides
• 40:59
  Speaker 1: ahead of her mate. She would have just been, you know,
• 41:01
  Speaker 1: spending it up yeah one or whatever.
• 41:03
  Speaker 2: Yeah. But in saying that, we still enjoyed it. Like
• 41:06
  Speaker 2: I was spending when I was younger. My dad used
• 41:08
  Speaker 2: to give me brilliant advice to save. Did I take it? No? Sorry, Dad,
• 41:13
  Speaker 2: I love you, but I wasn't a very good listener
• 41:16
  Speaker 2: as a teenager. So some of us took it and
• 41:18
  Speaker 2: some of us didn't. But I think the most important
• 41:19
  Speaker 2: thing here is if you were a spender when you
• 41:22
  Speaker 2: were younger, like there's always time to change. Like there's
• 41:25
  Speaker 2: even a post recently in our Facebook group, I think
• 41:28
  Speaker 2: she's twenty three, Is it too late to change? It's like,
• 41:31
  Speaker 2: my friend, there was no such thing as too late,
• 41:33
  Speaker 2: like whether you are twenty three, thirty three, or one
• 41:37
  Speaker 2: hundred and three. Like you can change your money, myset,
• 41:39
  Speaker 2: you can change your values, and you need to stop
• 41:41
  Speaker 2: comparing yourselves to others, like focus on you, my friends.
• 41:45
  Speaker 2: But also, I don't know, maybe you were gonna ask
• 41:48
  Speaker 2: me this. I thought that her judgment on herself was
• 41:50
  Speaker 2: a little bit harsh, as in the grade she gave
• 41:53
  Speaker 2: us the grade she gave us. So, okay, I thought
• 41:55
  Speaker 2: it was through mush because she came across and maybe
• 41:58
  Speaker 2: this is like obviously it's money Dirry, So don't know
• 42:01
  Speaker 2: her deeply, but she came across as really financially literate
• 42:05
  Speaker 2: and she knew about investing and she knew about savings,
• 42:08
  Speaker 2: but it wasn't in her budget at that point. My friend,
• 42:11
  Speaker 2: just because it's not in your budget doesn't mean that
• 42:13
  Speaker 2: you are lower down on the rating. Like to me,
• 42:16
  Speaker 2: she sounded like an A, like, yeah, you're right, you're
• 42:18
  Speaker 2: not investing yet, but there's a reason, and a really
• 42:20
  Speaker 2: good reason why you're not investing. And she seemed to
• 42:22
  Speaker 2: have a really good level of insight and understanding of
• 42:24
  Speaker 2: her personal situation. And to me, that's an A that's
• 42:28
  Speaker 2: not you know, what she rated herself as. So I
• 42:30
  Speaker 2: think that's important to point out as well, because you
• 42:33
  Speaker 2: don't have to be an investor to be an A plus. Yeah,
• 42:36
  Speaker 2: like you can just be really good at managing your
• 42:39
  Speaker 2: budget and your cash flow and actually being really on
• 42:41
  Speaker 2: top of your personal finances. And to me, that's really important.
• 42:44
  Speaker 1: Yeah, you don't need the million dollar share portfolio, absolutely.
• 42:48
  Speaker 2: That's not what creates an a plus and air plus
• 42:50
  Speaker 2: is someone who really understands their financial situation, embraces personal finance,
• 42:55
  Speaker 2: and is totally on top of it. And I think
• 42:56
  Speaker 2: sometimes people get really carried away with the idea you
• 43:00
  Speaker 2: have to be a savage investor to be really good
• 43:03
  Speaker 2: at money. You don't like. Yes, that could align to
• 43:06
  Speaker 2: your goals and values, but it's not always possible for
• 43:09
  Speaker 2: all of us. And that's okay too.
• 43:12
  Speaker 1: One more question here, v before we head off or
• 43:16
  Speaker 1: head into the wrap for today.
• 43:18
  Speaker 2: I wanted to.
• 43:19
  Speaker 1: Ask you a little bit about what you think of
• 43:22
  Speaker 1: saving lots of money when you're still living at home.
• 43:25
  Speaker 1: I feel like sometimes there can be a bit of
• 43:27
  Speaker 1: a judgment about that, because that is obviously a very
• 43:30
  Speaker 1: privileged position to be in, to be twenty four still
• 43:33
  Speaker 1: living at home, having spent your whole life there, so
• 43:37
  Speaker 1: you know you're not paying for bills or board necessarily.
• 43:40
  Speaker 1: What do you make of people who might judge people
• 43:43
  Speaker 1: who have a house because they have been at home
• 43:45
  Speaker 1: that whole time. Does that make sense.
• 43:47
  Speaker 2: As a question? It really does, And this is something
• 43:50
  Speaker 2: that frustrates me. I don't know how to address this
• 43:53
  Speaker 2: as clearly or succinctly as i'd really like to. But
• 43:57
  Speaker 2: I think when privilege occurs, it's important to acknowledge it.
• 44:01
  Speaker 2: But it doesn't make you bad. Like privilege fantastic. I'm
• 44:05
  Speaker 2: so happy for you that you had that opportunity. I
• 44:08
  Speaker 2: wish that opportunity on everyone. It's just not possible, though,
• 44:11
  Speaker 2: So I don't think that people are bad people because
• 44:14
  Speaker 2: they have privilege, and I don't think it makes them
• 44:17
  Speaker 2: less understanding of other situations. I think it's just more
• 44:20
  Speaker 2: about when privilege rubs me the wrong way, is when
• 44:24
  Speaker 2: people don't understand their privilege and when they aren't grateful
• 44:28
  Speaker 2: for it. And I think that that's the most important
• 44:30
  Speaker 2: part here for me. It's not about who was privileged
• 44:33
  Speaker 2: or not. Like, at the end of the day, we
• 44:35
  Speaker 2: are privileged because we are Australian, full stop, end of story.
• 44:38
  Speaker 2: But then there are so many other layers and complexities
• 44:41
  Speaker 2: that come into privilege, whether that's whether whether that's you
• 44:44
  Speaker 2: come from a wealthy family, or your parents helped you
• 44:46
  Speaker 2: out financially, or maybe you just had, you know, have
• 44:49
  Speaker 2: a higher IQ so you're able to get a more
• 44:52
  Speaker 2: complex job. Like all of these things play into privilege
• 44:55
  Speaker 2: and there's just different levels of it. And I just
• 44:57
  Speaker 2: think that often we can get hung up on other
• 45:01
  Speaker 2: people being privileged and feel bad for ourselves, but at
• 45:03
  Speaker 2: the end of the day, like I just think that
• 45:06
  Speaker 2: it is what it is. Unfortunately, the world isn't fair
• 45:09
  Speaker 2: and we need to just embrace what's right for us,
• 45:11
  Speaker 2: not necessarily compare ourselves to the situations of others and
• 45:15
  Speaker 2: whether they've been lucky or not.
• 45:17
  Speaker 1: Alrighty V, you said that well, as you always do.
• 45:21
  Speaker 1: But it is time to wind up today's show.
• 45:23
  Speaker 2: Okay, but Georgia, just before we head off, we'd really
• 45:26
  Speaker 2: like to acknowledge impair respects to Australian's Aboriginal and Torres
• 45:29
  Speaker 2: Strait Islander people's, the traditional custodians of the lands, the
• 45:32
  Speaker 2: waterways and the skies all across Australia. We thank you
• 45:36
  Speaker 2: for sharing and for caring on the land which we
• 45:38
  Speaker 2: are able to learn. We pay our respects to elders
• 45:40
  Speaker 2: past and present, and we share our friendship and our kindness.
• 45:44
  Speaker 1: Now to the boring bit that no one probably listens to.
• 45:47
  Speaker 2: I think they do, though, really, yeah, because it's just
• 45:50
  Speaker 2: to say that I'm just always interested to see if
• 45:52
  Speaker 2: you mess up the numbers.
• 45:53
  Speaker 1: I mean, now, the advice shared on cheese. On the
• 45:56
  Speaker 1: money is general in nature and just not consider your
• 45:58
  Speaker 1: individual's circumstance. She's on the money exists purely for educational
• 46:03
  Speaker 1: purposes and should not be relied upon to make an
• 46:05
  Speaker 1: investment or a financial decision. And we promise VICKI D
• 46:09
  Speaker 1: just kidding. Victoria Devine is an authorized representative of Australia
• 46:13
  Speaker 1: Pacific Funds Management Propriety Limited. Come on ABN three four
• 46:19
  Speaker 1: one three two four six three two five seven AFSSEL
• 46:22
  Speaker 1: three three nine one five one.
• 46:24
  Speaker 5: Did you like that?
• 46:25
  Speaker 2: I wanted to wrap it? Next time you're gonna have
• 46:27
  Speaker 2: to come up with a row O glt it.
• 46:29
  Speaker 1: And thank you to Ryan John who puts up with
• 46:32
  Speaker 1: a lot with us. Doesn't ev he does. He is
• 46:35
  Speaker 1: our producer, as you guys would know by now, keeps
• 46:37
  Speaker 1: us in line.
• 46:38
  Speaker 2: Georgia keeps us on track.
• 46:40
  Speaker 1: He does good on him your turn.
• 46:42
  Speaker 2: Oh thank you. I promise guys. I'm actually not as
• 46:44
  Speaker 2: mean as Georgia tries to make me out to Bailey guys,
• 46:48
  Speaker 2: So we would love it if you joined our Facebook group,
• 46:50
  Speaker 2: which is where I'm not very mean. It's also where
• 46:53
  Speaker 2: our community shares money tips and tricks every single day
• 46:56
  Speaker 2: free of judgment. Just so she's on the money on
• 46:59
  Speaker 2: Facebook and join us. If Facebook's not anything, you can
• 47:01
  Speaker 2: also find us on Instagram, roots sheets on the Money
• 47:03
  Speaker 2: a US. And this is another not subtle pointer to
• 47:08
  Speaker 2: scroll down now that our episode is done and vote
• 47:12
  Speaker 2: for us. I mean, don't vote for us if you
• 47:13
  Speaker 2: don't like us, but I'm assuming you probably might, especially
• 47:17
  Speaker 2: friends if you're at this point of the podcast. And
• 47:19
  Speaker 2: vote for us in the Listener Choice of the Australian
• 47:21
  Speaker 2: Podcasting Awards, because it honestly means the world to us.
• 47:25
  Speaker 1: What should we do if we win it?
• 47:26
  Speaker 2: Oh my gosh, we're gonna have a Zoom party too.
• 47:28
  Speaker 2: I think we should have a Zoom pre party. All right,
• 47:31
  Speaker 2: you'll work it out. Cruises somebody body seas you know what.
• 47:35
  Speaker 2: That's done. That's the episode. Hi guys, sign