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Top tips for tackling the boxing day sales · She's On The Money

• 0:00
  Speaker 1: She's on the Money. She's on the Money.
• 0:23
  Speaker 2: Hello, and welcome to She's on the Money, the podcast
• 0:26
  Speaker 2: for millennials who want financial freedom. Christmas is just a
• 0:30
  Speaker 2: few days away, and while we're sure you're sordied when
• 0:33
  Speaker 2: it comes to the big day itself, today we're going
• 0:35
  Speaker 2: to reveal our top tips for tackling the Boxing day
• 0:38
  Speaker 2: sales so you can shop strategically without sabotaging your savings
• 0:42
  Speaker 2: or mindlessly consuming just for the sake of it. Yes,
• 0:45
  Speaker 2: I did need to read that intro twice because there
• 0:47
  Speaker 2: were so many tongue twisters in there, but that's okay.
• 0:49
  Speaker 3: Because the power of good editing means you've only heard
• 0:52
  Speaker 3: it once precisely.
• 0:54
  Speaker 2: Now, my name is Georgia King, and joining me as
• 0:57
  Speaker 2: she does every single Wednesday, is, of course, financial adviser
• 1:00
  Speaker 2: Victoria Divine fee Let's chat Boxing Day Sales. It is,
• 1:04
  Speaker 2: of course the theme of today's episode. How many Boxing
• 1:07
  Speaker 2: Day sales have you been to in your time? Oh?
• 1:09
  Speaker 3: My gosh, so many? Honestly, George, I feel like fifteen twenty.
• 1:14
  Speaker 3: Oh I'm so old. But I remember when I was young.
• 1:19
  Speaker 3: They used to be like golden, like I could not wait,
• 1:23
  Speaker 3: like I lived on the Peninsula when I was maybe
• 1:25
  Speaker 3: twelve thirteen, and I remember Mum going, look, if you're good,
• 1:29
  Speaker 3: we'll drive up on Boxing Day to Southland. And do
• 1:33
  Speaker 3: you remember Southwest That used to be like the place
• 1:36
  Speaker 3: to be anyway, would drive up to Southland and go
• 1:39
  Speaker 3: to the sales and everything was so cheap, like it
• 1:42
  Speaker 3: was not even comprehensible. I just don't feel like they're
• 1:45
  Speaker 3: the same anymore. I feel like they are different, especially
• 1:48
  Speaker 3: because online shopping is so massive now. Yeah, but they
• 1:51
  Speaker 3: used to be big. But at the same time, I
• 1:54
  Speaker 3: was so impulsive.
• 1:55
  Speaker 2: Well that's the thing.
• 1:56
  Speaker 3: How many Boxing Day sales have you been to?
• 1:59
  Speaker 4: Yeah?
• 1:59
  Speaker 2: A similar It was a similar tale. For g King,
• 2:03
  Speaker 2: I would trek up.
• 2:04
  Speaker 3: You grew up on the Ninch as well.
• 2:05
  Speaker 2: I grew up on the n Inch. So Southland and
• 2:07
  Speaker 2: Chatty were like, you know, the beacons. They were the
• 2:10
  Speaker 2: places to be.
• 2:11
  Speaker 3: So Chatty was just that bit too far, so that
• 2:14
  Speaker 3: was like the oracle would go there, but like Southland
• 2:17
  Speaker 3: that was closer because east Link didn't exist then, and
• 2:19
  Speaker 3: everybody who's not in Melbourne's going to be like, what
• 2:22
  Speaker 3: is this segment about. So we'll move away from location
• 2:25
  Speaker 3: based content in a very hot minute, we will, we will.
• 2:29
  Speaker 2: But no, I would grab the girls and we'd all
• 2:30
  Speaker 2: go together and we would we just buy mindlessly. We'd
• 2:33
  Speaker 2: nab all of the bargains. And I just feel like
• 2:36
  Speaker 2: that is not a way that I shop anymore. I
• 2:38
  Speaker 2: don't think I'm ever just like gals, I'll be at
• 2:40
  Speaker 2: the shops on Saturday, just like browsing and buying. Like,
• 2:43
  Speaker 2: that's just not the way that I shop now at all.
• 2:46
  Speaker 2: Do you ever do that?
• 2:47
  Speaker 3: Yeah, these days browsing and buying, I've tried. I've really tried.
• 2:51
  Speaker 3: In fact, after having so many months in COVID lockdown,
• 2:55
  Speaker 3: I feel like I tried. A couple of weeks ago.
• 2:58
  Speaker 3: I went to Chadston on a weekday, by the way,
• 3:00
  Speaker 3: because I'm still too anxious to go on a weekend
• 3:03
  Speaker 3: like that gives me mad anxiety at the best of
• 3:05
  Speaker 3: times in the lead up to Christmas, like chad Stenny's
• 3:08
  Speaker 3: bonkers at the best of times. But I just I
• 3:12
  Speaker 3: didn't like it. I just I want to browse online.
• 3:15
  Speaker 3: I want to have all of my options in front
• 3:17
  Speaker 3: of me. I want to open fifty tabs. I want
• 3:20
  Speaker 3: to then play a process of elimination, closing all the tabs.
• 3:23
  Speaker 3: Then I want to look at that particular dress that
• 3:25
  Speaker 3: I like. Then I want to go look at that
• 3:27
  Speaker 3: brand on Instagram and see other girls wearing that dress,
• 3:30
  Speaker 3: and then maybe I'll potentially buy it. Like That's how
• 3:32
  Speaker 3: it works for me, and you just don't have that
• 3:35
  Speaker 3: with an in store experience, Jake.
• 3:36
  Speaker 2: Well, that's so true. I feel like we've become so
• 3:38
  Speaker 2: used to like the multi faceted journey of online shopping,
• 3:42
  Speaker 2: where we like, we browse, we place the order, we
• 3:46
  Speaker 2: wait for the order, the order comes, we unpack the order,
• 3:49
  Speaker 2: like there's so many steps to it, whereas if you're
• 3:51
  Speaker 2: just shopping in store, it's like over like that.
• 3:53
  Speaker 3: Yeah, and I feel like I get online and then like,
• 3:55
  Speaker 3: well does the iconic have the best deal? How much
• 3:58
  Speaker 3: cash back? Am I going to get? On shop? All right,
• 4:00
  Speaker 3: maybe I'll have a look at Meyer's website. I think
• 4:02
  Speaker 3: Maya does that Brown, Like, I look around for the
• 4:05
  Speaker 3: best deal and then try and get a better deal,
• 4:07
  Speaker 3: and then it comes in the mail and I'm excited
• 4:09
  Speaker 3: because I'm like, oh presents. Yeah, you just don't get
• 4:11
  Speaker 3: that with shopping in store.
• 4:13
  Speaker 2: Exactly.
• 4:13
  Speaker 3: I kind of missed the shopping in store experience.
• 4:16
  Speaker 2: I do a little bit. But you know what I
• 4:17
  Speaker 2: don't miss is the shop attendance at General Pants hustling me.
• 4:22
  Speaker 3: No straight in they've been with you.
• 4:23
  Speaker 4: Guys.
• 4:23
  Speaker 3: If you work at General Pants, obviously you're one of
• 4:26
  Speaker 3: the good ones because you're listening to this podcast.
• 4:29
  Speaker 2: Correct.
• 4:29
  Speaker 3: But to everybody else who is a not cheese on
• 4:32
  Speaker 3: the money listener that works at General Pants, you need
• 4:34
  Speaker 3: a lesson in etiquette.
• 4:36
  Speaker 2: You just need to relax and please stop talking to me.
• 4:39
  Speaker 2: I'm just trying to try on these pants.
• 4:41
  Speaker 3: So were they general enough to it?
• 4:43
  Speaker 2: A good one? A good one?
• 4:44
  Speaker 3: Thank you? Thank you?
• 4:45
  Speaker 2: How big are these sales? Like? Are they still as
• 4:48
  Speaker 2: big as they once were? Look?
• 4:50
  Speaker 3: Gee, this is an absolutely enormous day in the shopping calendar.
• 4:54
  Speaker 3: Last year, Australians actually spent close to three billion dollars
• 4:57
  Speaker 3: on these sales. Like, g we spent, as Australians, get this,
• 5:03
  Speaker 3: three billion dollars the day after we're supposedly meant to
• 5:06
  Speaker 3: be grateful for the things we already have.
• 5:08
  Speaker 2: Yeah, it's a strange.
• 5:12
  Speaker 3: It's just a very strange reality that we live in.
• 5:15
  Speaker 3: So obviously it's a massive day of consumption, and I
• 5:18
  Speaker 3: just don't think it should be. I just ah, We've
• 5:20
  Speaker 3: just gone from celebrating our family and.
• 5:23
  Speaker 4: Being grateful for everything that we have to try to
• 5:26
  Speaker 4: get the cheapest deal on something that five minutes before
• 5:28
  Speaker 4: we saw we didn't even know we need it.
• 5:30
  Speaker 3: Like it just it doesn't sit well with the values
• 5:33
  Speaker 3: that I now hold in saying that. Historically I always
• 5:36
  Speaker 3: bought into it and I was really excited about it.
• 5:38
  Speaker 3: And I love a good shop and I love a
• 5:39
  Speaker 3: good bargain, and like my mum, Queen of bargains, she's
• 5:43
  Speaker 3: exactly the same. But I think as a part of
• 5:45
  Speaker 3: my money story and my personal growth, I've really grown
• 5:48
  Speaker 3: from being quite impulsive with my spending to being quite
• 5:52
  Speaker 3: pragmatic about it. And I really do enjoy the process
• 5:55
  Speaker 3: of buying something because I feel like I put lots
• 5:58
  Speaker 3: of time and energy and effe into that process so
• 6:01
  Speaker 3: that I know, Okay, well I've got this new dress,
• 6:04
  Speaker 3: I have thought a fair bit about what it's going
• 6:06
  Speaker 3: to go with. Like I bought a new dress the
• 6:08
  Speaker 3: other week, actually je Lovely, coincidentally from the Iconic, which
• 6:12
  Speaker 3: I think I got like a good twenty percent or
• 6:14
  Speaker 3: something cash, but it was a very good deal. But
• 6:17
  Speaker 3: I remember having it up and then googling similar dresses
• 6:21
  Speaker 3: and like, it's like this beige knit dress, really like it.
• 6:24
  Speaker 3: But I was googling, like styling beige knit dress and
• 6:27
  Speaker 3: like just seeing what other outfits I could make with it,
• 6:29
  Speaker 3: and that's just yeah past me. She'd be like, what
• 6:32
  Speaker 3: are you doing? Why are you doing that? Whereas currently
• 6:34
  Speaker 3: I'm like, oh, I didn't even think about it. That
• 6:36
  Speaker 3: would look chic with a blazer over it, Like I've
• 6:38
  Speaker 3: got a blazer, Like I don't know. I really like
• 6:40
  Speaker 3: this idea of bringing things into my wardrobe or bringing
• 6:44
  Speaker 3: things into my life with purpose, and I just feel
• 6:47
  Speaker 3: like I have a different level of appreciation for them
• 6:50
  Speaker 3: than just impulse purchasing. I'm absolutely not saying everybody needs that.
• 6:54
  Speaker 3: I'm just saying, this is my money story at the moment.
• 6:56
  Speaker 3: This is how this is working for me, and this
• 6:58
  Speaker 3: is how my purchasing journey goes. But oh, I used
• 7:01
  Speaker 3: to be quite impulsive, and I just feel like I'm
• 7:03
  Speaker 3: not anymore. But this is why we're having this episode
• 7:06
  Speaker 3: because I think there are a lot of people out
• 7:07
  Speaker 3: there who are like, oh, I wish I wasn't as
• 7:09
  Speaker 3: impulsive during sales.
• 7:11
  Speaker 2: Definitely, the this could maybe be a bit of a
• 7:14
  Speaker 2: difficult question, but hey, if I'm going to ask it
• 7:16
  Speaker 2: of anyone, you are the lady to ask it of. Oh,
• 7:20
  Speaker 2: what percentage do you think of that almost three billion
• 7:24
  Speaker 2: would be impulse purchases?
• 7:26
  Speaker 3: I think a lot of it because not many people
• 7:29
  Speaker 3: are going to plan for three billion dollars worth of spending.
• 7:34
  Speaker 3: And if I look at what I was doing when
• 7:36
  Speaker 3: I was spending on Boxing Day, it was quite impulsive,
• 7:39
  Speaker 3: and from my own personal experience, like I don't really
• 7:44
  Speaker 3: think that lots of people go, you know what, We're
• 7:46
  Speaker 3: just going to go out, We'll go to Chatty, we'll
• 7:48
  Speaker 3: go to you know, Pacific Fair or wherever you're going,
• 7:51
  Speaker 3: and we're going to go shopping. Like in saying that,
• 7:55
  Speaker 3: I think that there is a really good piece of
• 7:57
  Speaker 3: power in this as well, because if it's on sale
• 8:00
  Speaker 3: and you needed to buy it, that is a brilliant
• 8:02
  Speaker 3: time to pick it up. And it's actually something that
• 8:04
  Speaker 3: my partner and I, even though I just said I
• 8:07
  Speaker 3: don't really go impulse boxing day shopping, we have gone
• 8:10
  Speaker 3: planned boxing day shopping. And as a lot of you know,
• 8:14
  Speaker 3: we are currently in the process of redoing our backyard.
• 8:17
  Speaker 3: We will be purchasing an outdoor setting with the Boxing
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  Speaker 3: Day sales because I know that the company that I
• 8:22
  Speaker 3: really want my outdoor setting to come from is going
• 8:25
  Speaker 3: to be on sale after Christmas, and it's like the
• 8:27
  Speaker 3: Christmas present to ourselves. But we're happy to wait till
• 8:31
  Speaker 3: after Christmas because I'd prefer a discount than having the
• 8:33
  Speaker 3: item on the day. So for me, I feel like
• 8:36
  Speaker 3: that works, and I mean that could also be a
• 8:37
  Speaker 3: savor money win. Yeah, if you've missed all of the
• 8:40
  Speaker 3: Black Friday sales, in the Cyber Monday sales, just be like, hey,
• 8:44
  Speaker 3: g your presence coming on Boxing.
• 8:46
  Speaker 2: Day, Well that's it. You don't see that many people
• 8:48
  Speaker 2: on Christmas Day itself, you know, like you might see
• 8:51
  Speaker 2: part of your family and then you might see the
• 8:53
  Speaker 2: others the next day, so you don't be strategic about it.
• 8:56
  Speaker 3: That's a really good money tip as well. Ge, try
• 8:58
  Speaker 3: and push Christmas out. Aw, we just convince your kids
• 9:02
  Speaker 3: do it.
• 9:02
  Speaker 2: Honestly, I thought it was.
• 9:04
  Speaker 3: On the thirtieth. What do you mean It's not on
• 9:05
  Speaker 3: the same day as news.
• 9:07
  Speaker 2: So weird, brilliant Okay, Now I'm curious to hear your
• 9:11
  Speaker 2: thoughts be on the pros and cons of shopping online.
• 9:15
  Speaker 2: Versus in store when it comes to this very special
• 9:18
  Speaker 2: day of figure. Obviously, you know, if you're in store,
• 9:21
  Speaker 2: you've got the general pants people hussling you. But beyond that,
• 9:24
  Speaker 2: what are the other benefits and cons I guess of
• 9:28
  Speaker 2: shopping online? Oh, that was a poorly phrase to hear
• 9:30
  Speaker 2: what I'm saying.
• 9:31
  Speaker 3: You know what I get it like, this is an
• 9:32
  Speaker 3: introverts dream, George. All right, So there are a lot
• 9:36
  Speaker 3: of pros to shopping online. You don't have to deal
• 9:38
  Speaker 3: with people, you don't have to deal with crowds. That
• 9:40
  Speaker 3: is brilliant. You don't have to struggle in lines, you
• 9:43
  Speaker 3: don't have to line up for parking. We've all done it.
• 9:46
  Speaker 3: We've gone to the boxing day sales at some point
• 9:49
  Speaker 3: in our lives, and we have driven around in that
• 9:51
  Speaker 3: car parck for at least twenty minutes to find a
• 9:53
  Speaker 3: park twenty minutes. It's probably being really lean as well.
• 9:57
  Speaker 3: I find this works for me, but I'm not sure
• 9:59
  Speaker 3: if it works for everybody else. But I'm not as
• 10:01
  Speaker 3: tempted to buy things I don't need because they're not
• 10:03
  Speaker 3: in front of me with a big red sales sticker
• 10:06
  Speaker 3: on them. I'm often usually quite directed, like I'm not
• 10:09
  Speaker 3: walking past a shop and accidentally go in. I literally
• 10:12
  Speaker 3: go to the Iconic or go to the David Jones
• 10:14
  Speaker 3: website and I know what I'm looking for. I'm not
• 10:17
  Speaker 3: saying that mindless browsing and stuff doesn't happen, but it
• 10:20
  Speaker 3: is harder to quote walk by a shop and be like, oh,
• 10:23
  Speaker 3: we'll just pop in here as well. There aren't any
• 10:25
  Speaker 3: salespeople in your ear trying to convince you to buy
• 10:29
  Speaker 3: or not convince you to buy. If you're in one
• 10:31
  Speaker 3: of the big Australian department stores where it's very hard
• 10:34
  Speaker 3: to find a staff member to begin with.
• 10:36
  Speaker 2: They need to hire more people. Yeah, but if you're
• 10:39
  Speaker 2: listening Mayer and David Chair.
• 10:40
  Speaker 4: Just attack them as well with coming for you. You're easily
• 10:45
  Speaker 4: able to compare prices online, which I obviously love, but
• 10:49
  Speaker 4: money Win, David Jones, Maya, all of them.
• 10:52
  Speaker 3: They actually do price matching Georgia, do they? Yes? And
• 10:56
  Speaker 3: I did this the other day, much to the dismay
• 10:59
  Speaker 3: of the woman in the lingerie section at David Jones.
• 11:02
  Speaker 3: So I was in David Jones because I didn't want
• 11:04
  Speaker 3: to go into Maya because Maya was hectic, because Maya
• 11:07
  Speaker 3: had a sale on and David Jones did not, and
• 11:09
  Speaker 3: I wanted This is probably TMI, but that's okay. There's
• 11:12
  Speaker 3: only a million or so people listening to this podcast.
• 11:14
  Speaker 3: I wanted the pink Calvin Klein like matching set, like
• 11:20
  Speaker 3: you know, the like standard real basic, like pink crop
• 11:23
  Speaker 3: top and pink undie bottom. Yes, I really wanted those tortures,
• 11:27
  Speaker 3: but there's no way I was spending full price on them.
• 11:29
  Speaker 3: They worth thirty percent off at Maya, and so I
• 11:33
  Speaker 3: got picked them up at David Jones and went up
• 11:35
  Speaker 3: to the count and I was like, hey, do price
• 11:36
  Speaker 3: match and she was like, oh, I don't know. She
• 11:38
  Speaker 3: was really cagy about it. G I was like, well, sus,
• 11:41
  Speaker 3: I know you do, and she was like, well where
• 11:43
  Speaker 3: am I price matching? And I was like, here's the
• 11:45
  Speaker 3: ad for Maya. She was real cagy, but the girl
• 11:48
  Speaker 3: beside her was like, yeah, we price match. See, yeah,
• 11:50
  Speaker 3: this is how you do it, and showed her anyway.
• 11:52
  Speaker 3: I got the discount. I wasn't a GRESSI bubble sent rude.
• 11:55
  Speaker 3: I promise she probably didn't like me. I mean, if
• 11:57
  Speaker 3: I worked in retail, i'd also be a bit like this.
• 12:00
  Speaker 2: But I got the.
• 12:02
  Speaker 3: Discount so price matching. I don't know if it works
• 12:05
  Speaker 3: for like boxing day sales, where everything is like sale
• 12:08
  Speaker 3: price is final and it's super discounted. But if you're
• 12:11
  Speaker 3: in David Jones or a different department store and you
• 12:14
  Speaker 3: find yourself with a product that you want to purchase,
• 12:17
  Speaker 3: google it. Google the podcast, same thing. They care not
• 12:20
  Speaker 3: gonna like us. They'll probably never get a sponsorus for
• 12:23
  Speaker 3: this reason. George JB Hi Fi do the same thing. Okay,
• 12:26
  Speaker 3: So if you're in JB and you're like, I'm gonna
• 12:28
  Speaker 3: buy this iPod. Wait, do you still buy iPods still
• 12:31
  Speaker 3: for sale?
• 12:32
  Speaker 2: iPhone like you could iPhone?
• 12:35
  Speaker 3: Yeah, maybe laptops, whatever you're buying. You could be buying
• 12:39
  Speaker 3: a podcast, microphone, Google it and see what the cheapest
• 12:42
  Speaker 3: price is and then show the guy in the store
• 12:44
  Speaker 3: and say, hey, it's one hundred and seventy dollars in store,
• 12:46
  Speaker 3: but it was two hundred and forty on your shelves,
• 12:49
  Speaker 3: and they'll say, no problem o. Georgia King one hundred
• 12:52
  Speaker 3: and seventy bucks for you, which is a money wind.
• 12:55
  Speaker 3: So if you're shopping in store, okay, just google it.
• 12:58
  Speaker 3: I just feel like that's a good money tick. You're welcome,
• 13:00
  Speaker 3: We're done here.
• 13:01
  Speaker 2: We're done here. So that was a benefit to shopping
• 13:04
  Speaker 2: in store. Then I guess what are the other benefits
• 13:06
  Speaker 2: to shopping install? You can try stuff on. That's a bonus.
• 13:10
  Speaker 3: Oh, you can try stuff on. Yeah, that's a massive bonus.
• 13:13
  Speaker 3: Because I hate measuring myself and like doing the measure charts.
• 13:17
  Speaker 3: So most of the time if I'm buying online, I'll
• 13:19
  Speaker 3: just buy my standard size and hope it works, and
• 13:23
  Speaker 3: sometimes it doesn't, sometimes it does. It's a bit hit
• 13:26
  Speaker 3: or miss, and you don't have to wait for the product, which,
• 13:29
  Speaker 3: to be honest, I actually like waiting for the product.
• 13:32
  Speaker 3: I mean, if I need it immediately, not great, But
• 13:34
  Speaker 3: I do usually like waiting for it because I lack anticipation,
• 13:37
  Speaker 3: and then I genuinely feel like it's a present for me.
• 13:40
  Speaker 3: And you best believe if it's free gift wrapping, I
• 13:42
  Speaker 3: have hit that it's a gift button. I have done
• 13:45
  Speaker 3: that because it is a gift for me. And also
• 13:48
  Speaker 3: you don't have to pay for shipping, which most of
• 13:50
  Speaker 3: the time you do if you are shopping online and
• 13:53
  Speaker 3: haven't met that like, oh, if you spend more than
• 13:55
  Speaker 3: one hundred dollars, it's free shipping amount.
• 13:57
  Speaker 2: Okay, yeah, there's a few perks both ways.
• 14:01
  Speaker 3: Oh, I mean the other perk, George, is it's fun,
• 14:03
  Speaker 3: Like going shopping is fun. Like we're not throwing it
• 14:06
  Speaker 3: under the bus because it's the worst thing ever, Like
• 14:08
  Speaker 3: I do like going shopping.
• 14:10
  Speaker 2: Yeah, yeah, no, no, no, no, you're right, it is fun.
• 14:15
  Speaker 2: But I feel like we've just all become so accustomed
• 14:18
  Speaker 2: to shopping from the comfort of our couches at any
• 14:22
  Speaker 2: time of day or night, and to actually physically go
• 14:25
  Speaker 2: to the stores, like I honestly would not consider going
• 14:28
  Speaker 2: to the boxing day sales. I honestly didn't really think
• 14:31
  Speaker 2: it was a thing anymore.
• 14:32
  Speaker 3: But no, it's definitely still a thing. That's why we
• 14:34
  Speaker 3: have this entire podcast on it.
• 14:36
  Speaker 2: Well, and that's what I learned in researching it today. Okay,
• 14:42
  Speaker 2: let's move on to our big top tips for making
• 14:45
  Speaker 2: the most of the sales. Obviously, at Cheese on the Money,
• 14:48
  Speaker 2: we don't endorse sales as a marketing technique when it
• 14:51
  Speaker 2: comes to encouraging us to buy things that we don't
• 14:55
  Speaker 2: need for reduced prices just because a gal loves a bargain.
• 15:01
  Speaker 2: How can we use these strategically without just throwing our
• 15:04
  Speaker 2: money away and sabotaging our savings.
• 15:07
  Speaker 3: Well, as I said before, only purchasing things you're planning for.
• 15:10
  Speaker 3: And I think that that's where the notes app in
• 15:12
  Speaker 3: your phone is really going to play into this and
• 15:15
  Speaker 3: be quite helpful. Keep a note, work out what you
• 15:17
  Speaker 3: want to purchase. If you've got birthdays coming up in January, February, March,
• 15:21
  Speaker 3: maybe this is a really good opportunity to purchase some
• 15:24
  Speaker 3: of those gifts so that you can get ahead of
• 15:26
  Speaker 3: the game and get a discount on the way, Like,
• 15:29
  Speaker 3: if there is a sale coming up, I don't think
• 15:31
  Speaker 3: it should necessarily be oh my gosh, I wonder if
• 15:34
  Speaker 3: I can buy anything cheap. I think it should actually
• 15:36
  Speaker 3: be a little bit more along the lines of like, ooh,
• 15:39
  Speaker 3: a sale. Do I need to utilize this opportunity, Like
• 15:43
  Speaker 3: is there something that I'm going to need to buy
• 15:45
  Speaker 3: in the future that I could get at a discounted
• 15:47
  Speaker 3: price because someone's on sale. And I think that that's
• 15:50
  Speaker 3: not the way that we mentally usually look at sales. Mentally,
• 15:54
  Speaker 3: we go, oh, we can get cheap stuff for ourselves,
• 15:57
  Speaker 3: when in reality, like I've got my dad's birthday in January,
• 16:01
  Speaker 3: it would be very smart of me to buy his
• 16:03
  Speaker 3: present on Boxing Day because that means I could potentially
• 16:07
  Speaker 3: get a discount on whatever it is, But it means
• 16:10
  Speaker 3: that we need to be planned. So being planned, I
• 16:13
  Speaker 3: guess is the biggest tip here and working out what
• 16:16
  Speaker 3: expenses have I got coming up? What do I need
• 16:18
  Speaker 3: to purchase or is there something I've had my eye on,
• 16:21
  Speaker 3: and what is my proposed budget for that item, like
• 16:25
  Speaker 3: not just going or what should I buy?
• 16:28
  Speaker 2: More.
• 16:29
  Speaker 3: Oh, I want to buy my dad a birthday present.
• 16:31
  Speaker 3: My budget's fifty dollars. That might mean I could get
• 16:34
  Speaker 3: him a better birthday present while still staying within my
• 16:36
  Speaker 3: own budget.
• 16:37
  Speaker 2: Smart. Smart. I think it's also a good time be
• 16:42
  Speaker 2: it to kind of tick those boring big household items
• 16:46
  Speaker 2: that you may need to purchase off your list. So
• 16:48
  Speaker 2: whether that's like a washing machine or you know, white
• 16:52
  Speaker 2: goods that are boring but essential, I mean you can
• 16:55
  Speaker 2: also get them off marketplace. So actually abandon abandon this
• 16:59
  Speaker 2: unless you're rich, use this sale, but if you're not,
• 17:02
  Speaker 2: marketplaces where it's at. That was a helpful tip from me.
• 17:06
  Speaker 4: Yeah, So Georgia's tips are don't go to the Boxing
• 17:09
  Speaker 4: day sales, go to Vinie's.
• 17:11
  Speaker 3: And also jump on Marketplace. It's genius, it's very She's
• 17:15
  Speaker 3: on the money of you. Thank you.
• 17:17
  Speaker 2: Our next tip, HEV, is to of course do your research,
• 17:21
  Speaker 2: talk us through it.
• 17:22
  Speaker 3: Go figure. Victoria wants you to do your research. Literally.
• 17:26
  Speaker 3: There are so many sites now that colate colate. Who
• 17:30
  Speaker 3: am I collate? Colate? Is that how you say it?
• 17:33
  Speaker 3: Colgate coldgate? They culgate the best sales that they actually like,
• 17:38
  Speaker 3: pull all the best sales together and then they categorize
• 17:41
  Speaker 3: them really well so that you can see where to
• 17:43
  Speaker 3: find the best deal, which is super helpful. So do
• 17:45
  Speaker 3: your research. Find a site like that. I really like
• 17:48
  Speaker 3: jumping online and seeing what is up. I'm also really
• 17:51
  Speaker 3: good at using Pinterest to save things that I want
• 17:54
  Speaker 3: to purchase later, so I know where to go to
• 17:56
  Speaker 3: and it's super helpful. So when you head out, you've
• 17:59
  Speaker 3: got your shopping list all together.
• 18:01
  Speaker 2: What's the deal with Pinterest? Do you need like an account?
• 18:04
  Speaker 3: This is not what this episode is about, but yes,
• 18:07
  Speaker 3: you do need an Pinterest account to use it. But
• 18:09
  Speaker 3: it's free and it's essentially like online pin boards. Like
• 18:13
  Speaker 3: it's like a pinboard and you add all the things
• 18:15
  Speaker 3: that you want to add to your pin board and
• 18:17
  Speaker 3: you can have as many pin boards as you like
• 18:18
  Speaker 3: and quite active on Pinterest. Actually okay, not publicly all
• 18:22
  Speaker 3: of my things in private, they're just random boards of
• 18:25
  Speaker 3: things that I seek inspiration. Is that a thing that
• 18:28
  Speaker 3: people want to see? Should we make like a cheese
• 18:30
  Speaker 3: on the money? Pinterest's awesome that puzzle?
• 18:33
  Speaker 2: Would it be?
• 18:34
  Speaker 3: I wonder you've never been on pinterest heavy?
• 18:37
  Speaker 2: And let's go to a break back after this victoria divine.
• 18:42
  Speaker 2: Our next tip here is to stay calm, keep calm,
• 18:46
  Speaker 2: carry on, yes as they as they say, How does
• 18:49
  Speaker 2: this help us out when it comes to the sales?
• 18:51
  Speaker 3: I just feel like in store there's like this wild
• 18:54
  Speaker 3: vibe about the experience where frenzied shopping and spending is
• 18:58
  Speaker 3: totally encouraged, and I just feel like it becomes kind
• 19:01
  Speaker 3: of like a competition to get the best deal and
• 19:03
  Speaker 3: buy the most and I just, yeah, I really don't
• 19:06
  Speaker 3: like that. Like it's there's nothing sexy about going to
• 19:09
  Speaker 3: the shops and being the one that's carrying the most
• 19:12
  Speaker 3: bags at the end of the day, like unless you
• 19:14
  Speaker 3: were planning on purchasing a whole heap of cookwar and
• 19:17
  Speaker 3: they had to give you multiple bags to carry it.
• 19:20
  Speaker 3: Home in I just genuinely feel like there's nothing that
• 19:23
  Speaker 3: sexy about buying the most and getting the best deals,
• 19:26
  Speaker 3: and like, yes, there is something incredibly sexy about getting
• 19:30
  Speaker 3: a discount and getting the best deal on an item
• 19:32
  Speaker 3: you already needed, but going, oh my god, gee, these
• 19:35
  Speaker 3: shoes they were one hundred dollars originally and I got
• 19:38
  Speaker 3: them for fifteen bucks. It's like, great, but did you
• 19:41
  Speaker 3: need the shoes? Gee? Because like, that's just fifteen dollars
• 19:44
  Speaker 3: you spent that wasn't in line with your values. So
• 19:47
  Speaker 3: for me, I think we're trying to really reframe what
• 19:50
  Speaker 3: spending and saving actually means because I think too many
• 19:53
  Speaker 3: times people get so hooked on the sale price because
• 19:57
  Speaker 3: they're like, but it's a massive discount. It's like, but
• 20:00
  Speaker 3: if you didn't need it, that's actually a waste of money.
• 20:02
  Speaker 2: Yeah, correct, Yeah, So I think.
• 20:04
  Speaker 3: That's one of my comments. And then the last bit
• 20:07
  Speaker 3: on that g is remember that you're only saving money
• 20:09
  Speaker 3: if you're using their sale items and they're actually things
• 20:12
  Speaker 3: that you actually need and it was a planned purchase,
• 20:14
  Speaker 3: Like it's not. Yeah, Anyway, I won't go on about
• 20:17
  Speaker 3: that because you guys have heard it all from me before.
• 20:20
  Speaker 2: In terms of staying calme, though, v that's hard to
• 20:24
  Speaker 2: do when you're at the shops and it's like sensory overload.
• 20:27
  Speaker 2: The music is pumping, there's like lights flashing everywhere, there's
• 20:31
  Speaker 2: people wanting to get in your ear and tell you
• 20:33
  Speaker 2: all about the hottest deals. Like, what are our tips
• 20:36
  Speaker 2: for shutting that out? Should we shop with earphones sunglasses on?
• 20:39
  Speaker 2: I'm not sure what are we thinking?
• 20:42
  Speaker 3: I don't know. I'm not gonna give tips on that,
• 20:45
  Speaker 3: but I just feel like that's not your vibe.
• 20:48
  Speaker 2: Just don't go, okay, is that bad?
• 20:51
  Speaker 3: I don't know. Just don't go like that would give
• 20:54
  Speaker 3: me mad anxiety. I would not like that situation at all.
• 20:58
  Speaker 3: And yeah, I will see you guys later. Have fun.
• 21:00
  Speaker 3: I'll catch up with you for a coffee after.
• 21:02
  Speaker 2: Yeah, wholesome. I think you should just pop in some
• 21:04
  Speaker 2: like Bonaver and walk the chaotic holes of Chadstone and
• 21:09
  Speaker 2: just make a day of it, you reckon. I think
• 21:10
  Speaker 2: it could be calm. I think so. I think it
• 21:12
  Speaker 2: would be better than listening to like Olivia Rodrigo blasted it.
• 21:17
  Speaker 2: You know that was a young reference from George. I'm
• 21:20
  Speaker 2: pretty fancy.
• 21:21
  Speaker 3: I was about to say it thank you.
• 21:23
  Speaker 2: I know it felt weird coming out of my mouth.
• 21:25
  Speaker 3: This episode is actually relatively manic for us. I'm enjoying it,
• 21:30
  Speaker 3: enjoying it, but can you tell we're both just super
• 21:33
  Speaker 3: excited for a bit of a break and super excited
• 21:35
  Speaker 3: for Christmas. We're talking about sales and we're like, guys,
• 21:38
  Speaker 3: live within your values. I hope you've enjoyed this episode.
• 21:41
  Speaker 3: Is that I don't know. Maybe they'll love it, maybe
• 21:43
  Speaker 3: they won't love it.
• 21:44
  Speaker 2: Yeah, time will tell. Okay. Our next tip B is
• 21:48
  Speaker 2: to avoid temptation and to not shop mindlessly. This is
• 21:53
  Speaker 2: why I think shopping online is a smarter idea than
• 21:56
  Speaker 2: shopping in store, because it does help you avoid being suck.
• 22:00
  Speaker 3: In to those spontaneous purchases that we don't need absolutely,
• 22:03
  Speaker 3: and I think that that is a very good tip.
• 22:04
  Speaker 3: At the end of the day, Boxing Day was not
• 22:08
  Speaker 3: invented to save you money personally. It was designed to
• 22:12
  Speaker 3: help retailers make money. So I think we all need
• 22:15
  Speaker 3: to remind ourselves of that throughout the day. If you're
• 22:18
  Speaker 3: tempted for an item that you don't really need.
• 22:20
  Speaker 2: Yeah, one hundred percent. Our last tip here VD is
• 22:24
  Speaker 2: to remember that Boxing Day it's not really just a day.
• 22:27
  Speaker 2: It's more like a day that extends onto week, and
• 22:30
  Speaker 2: then weeks and then even into January.
• 22:32
  Speaker 3: You know, I remember when Boxing Day was literally a day.
• 22:34
  Speaker 3: It is not like that anymore. So do remember that
• 22:38
  Speaker 3: there's no rush. You don't need to buy everything on
• 22:41
  Speaker 3: that day. But if you are planning on purchasing something,
• 22:43
  Speaker 3: I would genuinely jump on early, get it done, get
• 22:46
  Speaker 3: it out of mind, and not think about it again.
• 22:49
  Speaker 2: Love it before we head off. V You always encourage
• 22:53
  Speaker 2: us to put twenty four hours between ourselves and our purchases,
• 22:56
  Speaker 2: to kind of move away from that instant gratification and
• 22:59
  Speaker 2: you know, take away the emotion from it. I guess
• 23:01
  Speaker 2: how does that rule apply when it comes to events
• 23:04
  Speaker 2: sales like this?
• 23:05
  Speaker 3: So I think you should already have been planning this. So,
• 23:07
  Speaker 3: for example, next year, I'm going to one of my
• 23:09
  Speaker 3: best friend's weddings and I need a silver pair of
• 23:12
  Speaker 3: strappy shoes to wear for the wedding. So I've already
• 23:15
  Speaker 3: been looking online. I kind of know what I want,
• 23:17
  Speaker 3: and I'm making the plans, but I'll probably pick them
• 23:20
  Speaker 3: up on Boxing Day sale when I'm picking up my
• 23:22
  Speaker 3: outdoor setting because I need those things. But I've been
• 23:25
  Speaker 3: thinking about that for way more than twenty four hours,
• 23:27
  Speaker 3: because that's a planned purchase. When we say put twenty
• 23:31
  Speaker 3: four hours between you and you're spending, it's not for
• 23:33
  Speaker 3: planned purchases. It's for those impulse purchases that you really
• 23:37
  Speaker 3: want to make in the moment. And that's when i'd say,
• 23:40
  Speaker 3: either put twenty four hours between you and your spending,
• 23:42
  Speaker 3: or if you're like, hey, this discount is just too good,
• 23:44
  Speaker 3: have a look at what the returns policy is. Because
• 23:47
  Speaker 3: the returns policy, if you can return it, great, that
• 23:50
  Speaker 3: might be a really good option for you. But more
• 23:53
  Speaker 3: often than not, when sales happens, there's no refunds or
• 23:57
  Speaker 3: no returns on sale items, and often when you realize that,
• 24:00
  Speaker 3: you'll be like, hold on, maybe I don't want this
• 24:02
  Speaker 3: as much as I can because that opportunity is being
• 24:05
  Speaker 3: taken away from me and I don't feel as certain
• 24:07
  Speaker 3: in that purchases as I did before. So again, just
• 24:11
  Speaker 3: making sure that you're making purchases that are in line
• 24:13
  Speaker 3: with your values. Another thing that I have found really
• 24:16
  Speaker 3: helpful when I really want something but I know it's
• 24:18
  Speaker 3: in the moment, is I take a quick picture of it,
• 24:21
  Speaker 3: so it's on my phone, so I can't forget it,
• 24:23
  Speaker 3: and then I can go back to it, look at
• 24:25
  Speaker 3: it and be like do I really want that? And
• 24:26
  Speaker 3: I might just go back before I finish the final
• 24:29
  Speaker 3: shop or something. But in a perfect world, we put
• 24:31
  Speaker 3: a minimum of twenty four hours between us and our spending.
• 24:35
  Speaker 2: Stunning, all right, So to wrap up today, we need
• 24:38
  Speaker 2: to write our lists and check them twice. We need
• 24:41
  Speaker 2: to do our research. We need to stay come and
• 24:43
  Speaker 2: get the bon avert on the playlist while we're shopping around.
• 24:46
  Speaker 2: We need to avoid spontaneous purchases, and we need to
• 24:50
  Speaker 2: remember that the sales will likely go on for longer
• 24:52
  Speaker 2: than just December twenty sixth, So let's not be frenzied
• 24:55
  Speaker 2: about it. Let's not feel the pressure to buy. Bye
• 24:57
  Speaker 2: bye fee lord. I think that is all we have.
• 24:59
  Speaker 3: Time, it is, and I think the last thing I
• 25:02
  Speaker 3: want to leave you guys with is there's always going
• 25:05
  Speaker 3: to be another opportunity. There will always be another sale.
• 25:08
  Speaker 3: There will always be another opportunity for you to purchase something.
• 25:11
  Speaker 3: It doesn't have to happen on that sale day. So
• 25:13
  Speaker 3: I think we need to step out of that frenzied
• 25:16
  Speaker 3: feeling of like, oh my gosh, I need to get
• 25:17
  Speaker 3: it now though it's on sale, like there will always
• 25:20
  Speaker 3: be another opportunity. I promise you that, my friends. But
• 25:23
  Speaker 3: with that g I think that's all we have time
• 25:25
  Speaker 3: for today. So just before we head off, we'd like
• 25:28
  Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and Torrestraight
• 25:32
  Speaker 3: Islander peoples. They're the traditional custodians of the lands, the
• 25:35
  Speaker 3: waterways and the skies all across Australia. We thank you
• 25:39
  Speaker 3: for sharing and for caring for the land on which
• 25:41
  Speaker 3: we are able to learn. We pay respects to elders
• 25:44
  Speaker 3: past and present, and we share our friendship and our kindness.
• 25:47
  Speaker 2: And to remember, guys, that the advice shared on She's
• 25:49
  Speaker 2: on the Money is general in nature and does not
• 25:52
  Speaker 2: consider your individual circumstances. She's on the Money exists purely
• 25:56
  Speaker 2: for educational purposes and should not be relied upon to
• 25:59
  Speaker 2: make it investment or a financial decision, and we promise.
• 26:03
  Speaker 2: Victoria Divine is an authorized representative of Australia Pacific Funds
• 26:07
  Speaker 2: Management Proprietary Limited a b N three four one three
• 26:10
  Speaker 2: two four six three two five seven APHSEL three three
• 26:13
  Speaker 2: nine one five.
• 26:14
  Speaker 3: One See you next week. Guys, Happy shopping, bye, Happy Christmas.
• 26:19
  Speaker 1: Bye.