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She's On The Money Radio Recap - 17 September · She's On The Money

• 0:03
  Speaker 1: She's on The Money Radio Show with Victoria.
• 0:08
  Speaker 2: Divine starts now, Hello and welcome to that. She's on
• 0:11
  Speaker 2: The Money Radio Show podcast, radio show and podcast for
• 0:16
  Speaker 2: millennials who want financial freedom.
• 0:18
  Speaker 3: You know what close enough is good enough?
• 0:21
  Speaker 1: Yeah?
• 0:21
  Speaker 2: My favorite thing is we had a comment on our
• 0:24
  Speaker 2: Instagram where a Victoria got in trouble for telling.
• 0:27
  Speaker 3: Me trouble Yeah, apparent nicer.
• 0:30
  Speaker 1: No, I don't do that the first time.
• 0:32
  Speaker 4: What I want?
• 0:33
  Speaker 1: What do you want, Mitch?
• 0:34
  Speaker 5: I want them to send us.
• 0:35
  Speaker 3: Photos, Okay, photos of what Mitch.
• 0:40
  Speaker 5: I want their photos of their big long bank statements,
• 0:43
  Speaker 5: and I just want to see how they're doing, you know,
• 0:46
  Speaker 5: if we're helping them on the show or is that
• 0:47
  Speaker 5: how it works, Victoria? You ask people for the literal
• 0:49
  Speaker 5: photos of their finance.
• 0:50
  Speaker 3: And actually don't.
• 0:52
  Speaker 4: But you know what, if you've got any photos or
• 0:54
  Speaker 4: screenshots of things that you've seen on Facebook place that
• 0:58
  Speaker 4: you think is absolutely hilarious and people are taking the mickey,
• 1:01
  Speaker 4: we want to see it. Because we haven't done that
• 1:03
  Speaker 4: segment on the radio show recently, and we're going to
• 1:06
  Speaker 4: bring it back really soon because.
• 1:08
  Speaker 2: We've actually got a high bar for quality and we
• 1:10
  Speaker 2: haven't had so we won our community.
• 1:12
  Speaker 4: We've got the radio hosts and I just really don't
• 1:15
  Speaker 4: think it cuts the case.
• 1:16
  Speaker 5: Here.
• 1:16
  Speaker 2: The reason that Michie wants to see those bank account statements,
• 1:19
  Speaker 2: he's looking for a husband, he's.
• 1:21
  Speaker 5: Got a hot.
• 1:26
  Speaker 4: Everyone is as desperate as you. Well, but this week
• 1:31
  Speaker 4: on the show, we've got some hot tips. We talk
• 1:33
  Speaker 4: about my trip to Florida and I tell you how
• 1:36
  Speaker 4: to say forty three thousand dollars on your mortgage if
• 1:38
  Speaker 4: you've got one.
• 1:38
  Speaker 5: That was a good tip, Victoria. We also go through
• 1:41
  Speaker 5: travers grinder conversations and they were explosive more ways than one.
• 1:45
  Speaker 5: There was some videos too.
• 1:48
  Speaker 3: If you meet someone on Grinder who's meant to pay
• 1:49
  Speaker 3: for the first date.
• 1:50
  Speaker 5: Oh that's not it's not a date, Victoria.
• 1:53
  Speaker 3: Do you know what I reckon?
• 1:54
  Speaker 4: We should just get into the show because this has
• 1:56
  Speaker 4: been absolute trash to walk and this is not what
• 1:59
  Speaker 4: the people are here for.
• 2:00
  Speaker 2: Let's be honest, all right, She's on the Money radio
• 2:02
  Speaker 2: show starts right now. It is She's on the Money
• 2:05
  Speaker 2: radio show with Australia's number one finance podcast of Victoria divine.
• 2:11
  Speaker 3: Those are big shoes to fill, honestly, size tens nine
• 2:15
  Speaker 3: and a half thank you.
• 2:17
  Speaker 5: I'd love to know who's counting as well, who's number
• 2:19
  Speaker 5: two and who's number three. I'd like to get you
• 2:20
  Speaker 5: all in a room and really have a good chat
• 2:21
  Speaker 5: with you all.
• 2:22
  Speaker 1: And see what the difference is between.
• 2:24
  Speaker 4: Yeah, let's just not dive too deeply into what Australia's
• 2:27
  Speaker 4: number one finance podcaster actually means and we can just
• 2:31
  Speaker 4: keep on with the show.
• 2:32
  Speaker 5: Yeah that's why, Trav I'm just mitched cheery. There's no claim,
• 2:34
  Speaker 5: no title, no one can argue.
• 2:36
  Speaker 2: It, and that's why nobody even says my name. But
• 2:38
  Speaker 2: that's fine.
• 2:39
  Speaker 1: Yeah, let's do this.
• 2:41
  Speaker 5: That was Victoria with an accent, all right?
• 2:46
  Speaker 2: Yeah, okay, So obviously COVID travel restrictions all done injustice.
• 2:54
  Speaker 2: So everyone's getting out there. European Summer's Victoria. You are
• 2:59
  Speaker 2: over in this States.
• 3:01
  Speaker 4: Just a few little days in Florida, living my best life.
• 3:05
  Speaker 3: My hair wasn't though. The humidity killed me.
• 3:07
  Speaker 5: Oh that would have been awful. In the South is
• 3:10
  Speaker 5: really bad.
• 3:10
  Speaker 3: One out of ten cannot recommend.
• 3:12
  Speaker 2: And something else I don't really recommend is spending as
• 3:15
  Speaker 2: much as Kylie Jenner has spent on her recent holiday.
• 3:18
  Speaker 3: Isn't it like two million?
• 3:20
  Speaker 4: US sillars a day day on a trip to Italy.
• 3:24
  Speaker 5: Wow, they did get a three hundred foot megga yard,
• 3:27
  Speaker 5: which is two hundred and fifty million on its own.
• 3:29
  Speaker 5: She had her closest friends. There were ten rooms on
• 3:31
  Speaker 5: the yacht, so one room per friend. Twenty nine crew
• 3:34
  Speaker 5: members on the boat. There's a sauna, a Hammaker, plunge,
• 3:37
  Speaker 5: pul beauty salon. It's truly like extravagant.
• 3:40
  Speaker 3: So I've got a question, how do you reckon? I
• 3:42
  Speaker 3: become a friend of her.
• 3:43
  Speaker 2: The only way you're doing that is becoming one of
• 3:45
  Speaker 2: those crew members.
• 3:46
  Speaker 3: Mate, Well, I watch enough of below decks.
• 3:49
  Speaker 4: I'm absolutely credit chance.
• 3:52
  Speaker 3: Yeah, I'm ready. I've been trained.
• 3:54
  Speaker 4: You let me know, Kylie, I can absolutely whack together
• 3:57
  Speaker 4: a really good margarita.
• 4:00
  Speaker 5: What are your travel hacks? Surely you've got some from
• 4:01
  Speaker 5: my last trip.
• 4:02
  Speaker 3: I've got a few travel hacks.
• 4:03
  Speaker 4: Obviously, going to the States, it's a really big expense.
• 4:06
  Speaker 4: But did you know everyone who's going to scoff at this.
• 4:09
  Speaker 4: I traveled with only carry on luggis I saw this.
• 4:12
  Speaker 5: I saw that on Instagram.
• 4:13
  Speaker 2: Yeah, but hang on a second. Let's just say my
• 4:15
  Speaker 2: carry on is like my laptop bag. Your carry on
• 4:18
  Speaker 2: is actually a full blown suitcase.
• 4:20
  Speaker 3: No it's not. It's actually a carry on suitcase.
• 4:23
  Speaker 1: Took eight people to carry it.
• 4:24
  Speaker 4: But still, honestly, I find traveling only with carry on
• 4:28
  Speaker 4: really liberating because I don't have analysis paralysis.
• 4:31
  Speaker 3: When I'm getting ready in the morning.
• 4:32
  Speaker 4: I literally only have the dresses that I had planned
• 4:35
  Speaker 4: to wear and the makeup that I need.
• 4:37
  Speaker 3: That is it.
• 4:38
  Speaker 4: In fact, I probably could have packed another pair of pajamas,
• 4:41
  Speaker 4: but like, that's not the biggest problem.
• 4:42
  Speaker 1: I had a right, So, what are the travel hacks
• 4:44
  Speaker 1: have you got for us?
• 4:45
  Speaker 4: Mate? So if you're traveling internationally, obviously, especially at the moment,
• 4:48
  Speaker 4: it's really expensive. I would have loved to travel business
• 4:51
  Speaker 4: and had a little bit more room. However, that wasn't
• 4:54
  Speaker 4: an option for me because when I looked at it,
• 4:56
  Speaker 4: the business class flights were going to cost ten grand.
• 4:59
  Speaker 3: So it was a hard note from me.
• 5:00
  Speaker 4: But you know what I did to get a little
• 5:01
  Speaker 4: bit of extra room, which is a little bit sneaky,
• 5:03
  Speaker 4: and I don't really want to tell you because if
• 5:05
  Speaker 4: I tell people, they're going to do it and then
• 5:07
  Speaker 4: I'm going to miss out. Yeah, I know, right, So
• 5:09
  Speaker 4: what I did was I flew with United on the
• 5:12
  Speaker 4: way to the US. I love United, downloaded the United app,
• 5:15
  Speaker 4: and the hour before my flight took off, logged into
• 5:18
  Speaker 4: the app, changed my seat to make sure that I
• 5:21
  Speaker 4: was guaranteed an empty seat next to me when I
• 5:23
  Speaker 4: flew worked flawless plan that no one else has thought
• 5:27
  Speaker 4: of that yet yet, but now I'm telling them, But
• 5:31
  Speaker 4: that was a bonus and I ended up with a
• 5:33
  Speaker 4: little bit more extra room. I mean, it's not a
• 5:35
  Speaker 4: money saving hack, but it was definitely a sanity saving one.
• 5:38
  Speaker 5: Well, I've got one. If this helps, If you guys
• 5:40
  Speaker 5: are interested, I know you've been traveling.
• 5:42
  Speaker 3: We're not carry on.
• 5:43
  Speaker 5: It's might typ you go through security. You know, you
• 5:45
  Speaker 5: can't bring anything like food or drink through security. So
• 5:48
  Speaker 5: once you pass security, you go to subway and you
• 5:50
  Speaker 5: get a foot long and you eat the six inch
• 5:53
  Speaker 5: at the gate, and then you take the other six
• 5:54
  Speaker 5: inch on the pane and then you've got a sandwich
• 5:56
  Speaker 5: for the flight.
• 5:57
  Speaker 4: That's actually really smart. This is going to sound really
• 5:59
  Speaker 4: entire pre booking your in flight meal. Everybody knows I'm
• 6:03
  Speaker 4: a picky eater. But if you log into your app,
• 6:05
  Speaker 4: you can actually order a customized menu. So if you
• 6:08
  Speaker 4: don't eat meat, you can select no meat on your menu.
• 6:11
  Speaker 4: But the bonus here is if you have a specialty menu,
• 6:14
  Speaker 4: they give you your food first, so when it's meal time,
• 6:18
  Speaker 4: your food comes out way before anybody Else's always hot.
• 6:21
  Speaker 5: Ten out of ten celiac. If it means I get
• 6:24
  Speaker 5: my food before.
• 6:24
  Speaker 4: Everybody else, exactly, Sorry, I only eat fruit.
• 6:28
  Speaker 2: Did you hear about that couple who actually got stranded
• 6:32
  Speaker 2: in Bangkok and it ended up costing them hundreds and
• 6:34
  Speaker 2: thousands of ideas?
• 6:35
  Speaker 3: Actually disgusting, crazy now early couple.
• 6:38
  Speaker 1: Yeah, so let's do this.
• 6:40
  Speaker 2: What is your worst travel disaster story? We want to
• 6:43
  Speaker 2: know the big stuff.
• 6:44
  Speaker 1: How much did it cost you? What happened? Were you stranded?
• 6:47
  Speaker 2: Did you have to put up with Victoria eating her
• 6:50
  Speaker 2: hot fresh meal next to you an hour before you
• 6:53
  Speaker 2: got it, while you watched.
• 6:54
  Speaker 3: Her in a seat that had a spare seat next
• 6:57
  Speaker 3: to it.
• 6:57
  Speaker 2: That kind of stuff we want to hear. Give us
• 6:59
  Speaker 2: a call right now, thirty one to six five your
• 7:01
  Speaker 2: travel disaster stories.
• 7:03
  Speaker 1: Somebody who should have had some travel insurance.
• 7:06
  Speaker 3: I did have travel insurance. Talking about you might well,
• 7:10
  Speaker 3: everything's about.
• 7:11
  Speaker 5: Me beyond the show. But it doesn't matter.
• 7:14
  Speaker 3: It's my show.
• 7:15
  Speaker 5: It's about me, Victoria, It's about Paul. Little. Paul Moroski
• 7:19
  Speaker 5: and Georgina Moroski, an Ozsie couple were flying to Bangkok
• 7:23
  Speaker 5: on an Australian airline. That's all I'm going to say.
• 7:24
  Speaker 5: I'm not going to name in shame, but this couple,
• 7:26
  Speaker 5: this is all over the news.
• 7:27
  Speaker 2: Right.
• 7:28
  Speaker 5: They went to Bankok, had a lovely little trip. They're
• 7:30
  Speaker 5: both priority flyers, right, they're both in wheelchairs, so a
• 7:33
  Speaker 5: lot of organization goes into their flying schedules, as you
• 7:36
  Speaker 5: can imagine.
• 7:37
  Speaker 3: Right, which shouldn't be too hard.
• 7:39
  Speaker 5: Totally right. They're in Bangkok. They they've halfway finished their trip,
• 7:42
  Speaker 5: they're about to fly over to Turkey when they get
• 7:44
  Speaker 5: the notification, the email that their flight has been canceled.
• 7:48
  Speaker 5: A refund is being processed and the airline is pulling
• 7:51
  Speaker 5: themselves out from support and they are no longer able
• 7:53
  Speaker 5: to communicate with the Aussies soly at all. They said,
• 7:57
  Speaker 5: we've refunded you. Sorry, we've overbooked the fly something's happened.
• 8:01
  Speaker 5: We don't have your seats anymore, and you strngey acceptable
• 8:04
  Speaker 5: in ben Kock and their priority passengers in wheelchairs. Can
• 8:07
  Speaker 5: you imagine the stress and these guys are almost eighty
• 8:10
  Speaker 5: the stress that this.
• 8:11
  Speaker 4: Will especially because of the organization that would have gone into,
• 8:15
  Speaker 4: you know, organizing that trip and making sure that everything
• 8:18
  Speaker 4: was good to go.
• 8:20
  Speaker 1: Yeah.
• 8:21
  Speaker 5: So they were on the flight Victoria and they were
• 8:22
  Speaker 5: pulled off the flight.
• 8:23
  Speaker 3: Wait, they were on the flight.
• 8:24
  Speaker 5: Yeah, they were getting on the flight. They were pulled off.
• 8:27
  Speaker 5: There's this guy, Elijah right, he's thirty five. He said,
• 8:29
  Speaker 5: I was on the flight the treatment of the elderly couple.
• 8:31
  Speaker 5: I was disturbed, That's what he says. So it's a
• 8:33
  Speaker 5: mess of a situation, but disgusting.
• 8:36
  Speaker 3: I hope someone stepped in and helped them in that circumstance.
• 8:39
  Speaker 4: I know it's not their job, but that's the Australian
• 8:41
  Speaker 4: thing to do, right, Yeah, or.
• 8:42
  Speaker 5: Even give them like some peanuts, you know, or give
• 8:44
  Speaker 5: them some.
• 8:45
  Speaker 4: Like that's what you would have done. Like, hey, nanny,
• 8:47
  Speaker 4: and you're on a peanut. I don't know if this
• 8:49
  Speaker 4: will help.
• 8:50
  Speaker 5: I'm disgusted, but I will take one of those mini
• 8:52
  Speaker 5: Shardonnays please on my way out.
• 8:53
  Speaker 4: Yeah, do you have those mini gin bottles? Because they're
• 8:55
  Speaker 4: not just thirty meals, they're always fifty.
• 8:57
  Speaker 2: It's good to a big I'll get take a couple
• 8:58
  Speaker 2: of those, but I'm mad we threw around there on
• 9:00
  Speaker 2: thirty We want to hear your travel disaster stories.
• 9:04
  Speaker 1: Hey Kim, what happened to you? Mate?
• 9:07
  Speaker 6: My friend and I booked what we thought were like
• 9:09
  Speaker 6: twenty pounds airfare to Hamburg for the money amazing, So
• 9:16
  Speaker 6: we flew Ryan Air. So this is where it probably
• 9:18
  Speaker 6: goes down to budget. And we got to where we
• 9:22
  Speaker 6: thought we were staying, which I booked, and I thought
• 9:24
  Speaker 6: it was like a beautiful German abode, you know, like
• 9:26
  Speaker 6: that cabinet type situation. Turned up it was a hostel.
• 9:32
  Speaker 3: Oh no, were you in the like eight person mixed rooms.
• 9:36
  Speaker 6: No, well they wanted us to share a room with
• 9:39
  Speaker 6: ten other people.
• 9:40
  Speaker 4: Oh no, prison break the little curtains so you have
• 9:45
  Speaker 4: a little bit of privacy.
• 9:48
  Speaker 6: But there was absolutely no other accommodation that we could
• 9:51
  Speaker 6: find that was within our budget. So we headed back
• 9:55
  Speaker 6: to the tin shed that is the Ryan Air airport
• 9:59
  Speaker 6: in Hamburg and basically had to argue and China group
• 10:02
  Speaker 6: the eight flights out of there.
• 10:04
  Speaker 4: To be honest, I think you should have a spit
• 10:06
  Speaker 4: in the bullet and had an experience in the hostel
• 10:08
  Speaker 4: what's the worst that could happen?
• 10:11
  Speaker 1: Thanks so much, gim now.
• 10:12
  Speaker 2: Drew's given us a buzz on thirty one six five
• 10:15
  Speaker 2: talking about your worst travel disasters.
• 10:18
  Speaker 1: What happened to you, Drew was years back.
• 10:21
  Speaker 6: I was living over in London.
• 10:23
  Speaker 7: I went over there to work in finance and.
• 10:25
  Speaker 1: Finance I landed the day the.
• 10:28
  Speaker 6: GFC started, so I was already on the back.
• 10:31
  Speaker 7: I took a little trip to over to Spain to
• 10:34
  Speaker 7: go to music festival with a few mates, and where
• 10:36
  Speaker 7: we were staying got cleaned out, so passport and everything.
• 10:39
  Speaker 7: Oh no, So off to Madrid we go to get
• 10:43
  Speaker 7: the emergency passport and whatnot and show back of London.
• 10:46
  Speaker 6: That was all fine.
• 10:47
  Speaker 7: I used to play with the guitar and sing and whatnot.
• 10:49
  Speaker 7: So I started auditioning for random rolls and I landed
• 10:52
  Speaker 7: a role in a music I don't know if I've
• 10:55
  Speaker 7: heard of Jersey Boys, Oh.
• 10:57
  Speaker 3: Wow, legendary. I don't know if you've ever heard of it.
• 11:02
  Speaker 6: Wait for the story, all right, mate.
• 11:04
  Speaker 7: The idea was the rehearsals were going to be in
• 11:06
  Speaker 7: Newcastle for three or four weeks whatever, and then if
• 11:09
  Speaker 7: it's any good, we're going to end up on the
• 11:10
  Speaker 7: West End, a few mates in Barcelona, so I'm going
• 11:13
  Speaker 7: to get Duck over.
• 11:14
  Speaker 6: There for the weekend.
• 11:15
  Speaker 3: Solid plan, good plan.
• 11:18
  Speaker 7: So we get over there, We park our little high
• 11:20
  Speaker 7: car down on the beach, come back the old high
• 11:23
  Speaker 7: card then cleaned out. No not again, emergency.
• 11:27
  Speaker 6: Passport is gone.
• 11:29
  Speaker 4: Oh no, now the embassy is just gonna think that
• 11:31
  Speaker 4: you're taking the mikey exactly.
• 11:34
  Speaker 7: They had to do this full investigation meanwhile in Barcelona
• 11:38
  Speaker 7: for weeks.
• 11:38
  Speaker 2: The best thing is, though, Drew, You've got a nice
• 11:41
  Speaker 2: lucrative little emergency passport selling business out of it.
• 11:45
  Speaker 3: We see you, We know what you're up to.
• 11:47
  Speaker 5: All right.
• 11:48
  Speaker 2: If you have yourself a money dilemma, like Drew probably
• 11:52
  Speaker 2: has now got yourself in a little bit of a situation,
• 11:55
  Speaker 2: just hit us up. Search us at ses on the
• 11:57
  Speaker 2: money on any socials.
• 11:58
  Speaker 1: What have you got this week?
• 11:59
  Speaker 5: Michi, Oh this is a good one.
• 12:00
  Speaker 3: It's because you came up with it.
• 12:02
  Speaker 5: This isn't me okay.
• 12:03
  Speaker 2: Kitlyn wants to know what.
• 12:07
  Speaker 3: Where's the recording of Caitlyn?
• 12:09
  Speaker 6: Huh?
• 12:09
  Speaker 1: Sorry?
• 12:10
  Speaker 5: Do you think that I am putting a wig on?
• 12:12
  Speaker 3: And you're not even bothering to put the wig on?
• 12:14
  Speaker 4: You're just asking me your money dilemmas so that I'll
• 12:17
  Speaker 4: answer all your personal financial questions.
• 12:19
  Speaker 3: I'm onto you million dollar meach.
• 12:20
  Speaker 5: Well, listen when you when you realize that Caitlyn wants
• 12:23
  Speaker 5: to know if she should take a new job with
• 12:24
  Speaker 5: a pay rise or stay where she is. It's not me.
• 12:27
  Speaker 4: Yeah, look to be honest, if it is, you have
• 12:30
  Speaker 4: got a different answer.
• 12:32
  Speaker 5: Well the advice you give Caitlyn Air quotes Kaitlyn. Next,
• 12:35
  Speaker 5: we'll do it after this. This is she's on the
• 12:38
  Speaker 5: Money radio show. Everybody great to be here.
• 12:41
  Speaker 1: You know how we are here.
• 12:43
  Speaker 3: Guys, we're here because budget.
• 12:45
  Speaker 4: Is that right?
• 12:47
  Speaker 1: We are sitting here in person.
• 12:48
  Speaker 5: But I was going to say my mum and my
• 12:50
  Speaker 5: dad had a boozy night one night and then about
• 12:53
  Speaker 5: twenty six years ago, and I mean that's why I
• 12:54
  Speaker 5: don't know.
• 12:55
  Speaker 3: I was planned.
• 12:56
  Speaker 1: I was a mistake. My parents were told they couldn't
• 12:58
  Speaker 1: have kids.
• 12:59
  Speaker 3: No such thing. It's a mistake.
• 13:00
  Speaker 2: My sister is a doctor. They got told they couldn't.
• 13:03
  Speaker 2: And then I popped up a little long time later on.
• 13:05
  Speaker 5: Oh isn't that a good story.
• 13:07
  Speaker 3: That's called a happy accident.
• 13:08
  Speaker 1: I don't say happy ending.
• 13:09
  Speaker 5: That would have been pain in my as it is.
• 13:11
  Speaker 1: Can we move on?
• 13:12
  Speaker 2: This is a finance second and the reason we are
• 13:16
  Speaker 2: here is because of Budget Direct. They are winner of
• 13:19
  Speaker 2: Can Stars Insurer of the Year Award twenty twenty two
• 13:22
  Speaker 2: Budget Direct Insurance.
• 13:24
  Speaker 1: So so you didn't.
• 13:25
  Speaker 2: Even practice that one, clearly because of Midge. Anyway, Let's
• 13:28
  Speaker 2: do this.
• 13:30
  Speaker 5: All right. Every week we bring you a financial story
• 13:32
  Speaker 5: from a listener, We get an on air, get Victoria's
• 13:35
  Speaker 5: live take on what they should do. You can get
• 13:36
  Speaker 5: in touch to slide into the DMS like Caitlin's done.
• 13:39
  Speaker 5: She says, Hi, V, I've got a job. I don't
• 13:41
  Speaker 5: know why I went British. Hello, V, I've got a
• 13:43
  Speaker 5: job off on the table. I'm not sure I should
• 13:45
  Speaker 5: take it. In it though, I don't know I should
• 13:48
  Speaker 5: I go to Tottenham? She says, I would gain tenk
• 13:51
  Speaker 5: per animy a pay rise. It's a desk job with
• 13:53
  Speaker 5: potential to progress and grow with inside that company. It's
• 13:57
  Speaker 5: an internal promotion, right, but in a different sector under
• 14:00
  Speaker 5: a different brand name. Okay, I get it. Currently she's
• 14:03
  Speaker 5: on the road doing deliveries, which she enjoys. She loves
• 14:06
  Speaker 5: the freedom, the fresh air, all that good stuff. The
• 14:08
  Speaker 5: new job will make a desk bound much longer commute
• 14:11
  Speaker 5: to work. But she is saving for a house, so
• 14:14
  Speaker 5: the money would be helpful. She's comfortable, does she this
• 14:16
  Speaker 5: is a question. Does she take the new job and
• 14:18
  Speaker 5: the ten kpay rise, but add a thirty to forty
• 14:20
  Speaker 5: minute commute. That's interesting. It's like you can sort of
• 14:23
  Speaker 5: gain something, but you also lose the time.
• 14:24
  Speaker 4: Look, I think it's a rock and a hard place
• 14:27
  Speaker 4: one because I know you guys are expecting me.
• 14:29
  Speaker 3: To go, of course, take the new job, take the
• 14:31
  Speaker 3: more money.
• 14:32
  Speaker 4: But at the end of the day, when you're taking
• 14:34
  Speaker 4: a new job or considering taking a new job, it's
• 14:37
  Speaker 4: not just the financial remuneration we need to take into consideration,
• 14:41
  Speaker 4: but it's all of the added bonuses and benefits and extras.
• 14:44
  Speaker 3: It's the flexibility, it's the.
• 14:46
  Speaker 4: Time with your family and friends, it's the commute.
• 14:49
  Speaker 3: If it's ten grand that.
• 14:50
  Speaker 4: You're looking for, I think we need to look even
• 14:53
  Speaker 4: further than just taking another job. So ten grand divided
• 14:57
  Speaker 4: by twelve is about eight hundred and fifty dollars each
• 15:00
  Speaker 4: and every single month. And if we divide that by
• 15:02
  Speaker 4: fifty two, which is how many weeks are in each
• 15:05
  Speaker 4: and every single year, that's one hundred and ninety two
• 15:07
  Speaker 4: dollars each and every single week that you might want
• 15:10
  Speaker 4: to find to add to your budget. But what we
• 15:13
  Speaker 4: need to add up is how much is going to
• 15:15
  Speaker 4: be taken out in tax, because obviously it's not going
• 15:17
  Speaker 4: to be a clean ten grand that hits your account
• 15:19
  Speaker 4: after taking that job. But if you're already on the
• 15:22
  Speaker 4: road and have some flexibility, you've got an additional forty
• 15:25
  Speaker 4: minutes a day. Can you jump on air tasker and
• 15:28
  Speaker 4: do something after you've clocked off and find that additional
• 15:31
  Speaker 4: cash while maintaining a work life balance that's so important
• 15:34
  Speaker 4: to you.
• 15:34
  Speaker 2: Yeah, and also you've got to think about the fuel
• 15:36
  Speaker 2: that she's going to be driving that forty minute exact.
• 15:39
  Speaker 4: Clear like what is the actual cost benefit and analysis here,
• 15:42
  Speaker 4: because it's not just time you're losing, it's kilometers on
• 15:45
  Speaker 4: the cart, it's more frequent car servicing. It is the petrol,
• 15:49
  Speaker 4: which we know at the moment is completely astronomical, and
• 15:52
  Speaker 4: I do have some hot petrol tips coming up. But
• 15:55
  Speaker 4: from my perspective, it's actually more about work life balance
• 15:58
  Speaker 4: and what you're trying to achieve, because I would prefer
• 16:01
  Speaker 4: to absolutely love my life and love my job. And
• 16:04
  Speaker 4: have the goal of buying a house another twelve months away,
• 16:08
  Speaker 4: then bringing it forward and being miserable.
• 16:10
  Speaker 5: Victoria. I was talking to one of my friends, and
• 16:12
  Speaker 5: this is a friend of mine. You know, we've all
• 16:13
  Speaker 5: got those friends that make a lot of money, and
• 16:15
  Speaker 5: we've all got like one.
• 16:16
  Speaker 4: Yeah, well yeah, mine right now.
• 16:21
  Speaker 5: She told me she had six streams of income. And
• 16:23
  Speaker 5: I think you touched on it, right, Like, work smarter,
• 16:26
  Speaker 5: not harder, right, try to get different forms of income
• 16:29
  Speaker 5: coming in. So if I'm not the one to be
• 16:31
  Speaker 5: giving financial advice, but stay in the job and try
• 16:34
  Speaker 5: to make that extra ten k elsewhere.
• 16:35
  Speaker 4: Right, Well, did you know million dollar Midge that the
• 16:38
  Speaker 4: average millionaire has seven different streams of income that come in.
• 16:41
  Speaker 5: Yeah, that makes sense.
• 16:43
  Speaker 4: So you want to be a millionaire, find seven ways
• 16:45
  Speaker 4: to generate income, and you're halfway there.
• 16:47
  Speaker 5: You have your the stripping that you do, and that's
• 16:49
  Speaker 5: a great way for you to make money on the side.
• 16:51
  Speaker 3: Yeah, and the topless watering.
• 16:52
  Speaker 5: The topless waiting.
• 16:53
  Speaker 2: But I have to put a lot of time in
• 16:55
  Speaker 2: the gym, and I have to take a lot of
• 16:56
  Speaker 2: you know, supplements and things like that.
• 16:58
  Speaker 3: Oh, I didn't know you did. That was obvious.
• 17:00
  Speaker 5: Yeah, Traviat's raw chicken breast during the show, It's.
• 17:03
  Speaker 3: All why does he always drink eggs?
• 17:05
  Speaker 4: Hang on?
• 17:05
  Speaker 5: It's bizarre, isn't it.
• 17:07
  Speaker 2: I have to say that I love it because you
• 17:08
  Speaker 2: guys just bang on about stuff and it gives me
• 17:10
  Speaker 2: the time to actually eat and things.
• 17:12
  Speaker 1: I have to say anything for minutes. It's fantastic.
• 17:14
  Speaker 3: Your mum must be so proud to rad.
• 17:17
  Speaker 1: Bless you, Chrissy Roebuck.
• 17:18
  Speaker 2: Hey, if you have yourself a money dilemma, hit us
• 17:21
  Speaker 2: up anytime. Just search Cheese on the Money on socials.
• 17:25
  Speaker 2: You can find us there. But look, we want to
• 17:27
  Speaker 2: save some money, Victoria Devine, So what are you going
• 17:29
  Speaker 2: coming up next?
• 17:30
  Speaker 4: I love saving money and do you know what I
• 17:32
  Speaker 4: love more than saving my own money is having the
• 17:35
  Speaker 4: street cred to save other people money. So I have
• 17:38
  Speaker 4: a fuel app coming up that I'm going to recommend
• 17:40
  Speaker 4: because I feel like it does a really good job
• 17:42
  Speaker 4: at helping us find the cheapest fuel.
• 17:44
  Speaker 3: And I also have.
• 17:45
  Speaker 4: A sneaky way to say forty three thousand dollars on
• 17:48
  Speaker 4: your mortgage.
• 17:48
  Speaker 3: So don't know anywhere.
• 17:49
  Speaker 2: You're a modern day Robin hood you knowne Australia's number
• 17:53
  Speaker 2: one finance podcast. Hello Victoria Divine. I felt like going
• 17:58
  Speaker 2: really ousy then Victoria to worn.
• 18:00
  Speaker 4: Yeah, people think that's a stage name. I've been messaged
• 18:03
  Speaker 4: so many times people are like, oh, that's a really
• 18:05
  Speaker 4: terrible stage name. Yeah, it makes you sound like you
• 18:09
  Speaker 4: work in the adult industry. And I'm like, actually, it's
• 18:12
  Speaker 4: actually my bloodline that that was my grandparents' name.
• 18:15
  Speaker 2: So anyway, and Mitch Jury as well, sitting over there, guys,
• 18:20
  Speaker 2: favorite time of the week because it's time to save
• 18:22
  Speaker 2: some people some money.
• 18:23
  Speaker 1: Let's do this.
• 18:23
  Speaker 3: I love it.
• 18:25
  Speaker 1: Simper save a Saturday.
• 18:27
  Speaker 5: Yes, every week Victoria gives us some sernicky little tips
• 18:30
  Speaker 5: on how to keep more bucks in your bank account.
• 18:31
  Speaker 5: I don't know about you, trap, but Victoria will text
• 18:33
  Speaker 5: me throughout the week and she'll go, oh, I got
• 18:35
  Speaker 5: another tip, Victoria, wait until Saturday morning.
• 18:38
  Speaker 1: Stop it, mate, What do you got this week?
• 18:40
  Speaker 3: Oh my gosh, I have a few.
• 18:41
  Speaker 4: But didn't you say you have a money saving tip
• 18:43
  Speaker 4: that you want to share with the community.
• 18:45
  Speaker 3: Hang on a second, I'm trying to get out of this.
• 18:47
  Speaker 2: This is the third week in a row now that
• 18:49
  Speaker 2: we have done this with Mitch Jury and the first
• 18:51
  Speaker 2: two absolutely terrible mates.
• 18:53
  Speaker 3: You know what it's about trusting your friends.
• 18:56
  Speaker 1: You said that last week, mate, and guess what happened.
• 18:58
  Speaker 1: It was the worst.
• 18:59
  Speaker 2: So all right, if you want to be responsible for it, mate,
• 19:01
  Speaker 2: you go for It's.
• 19:02
  Speaker 5: Shoes on the money with Victoria Vine and Mitch Cheery.
• 19:04
  Speaker 5: If I've got a tip, I can bring a tip.
• 19:05
  Speaker 3: Keep what's your tip? Million dollar meach?
• 19:07
  Speaker 5: All right? If you get a parking fine, which I've
• 19:10
  Speaker 5: recently done, no, don't scoff at that, because that is
• 19:12
  Speaker 5: a universal problem. We will.
• 19:13
  Speaker 4: I always get parking fines because I have a lot
• 19:16
  Speaker 4: of audacity and I'm just like, ah, I risk it
• 19:18
  Speaker 4: for the biscuit.
• 19:18
  Speaker 5: It was a couple of hundred bucks and I forgot
• 19:20
  Speaker 5: about it.
• 19:20
  Speaker 3: In the left A couple of one hundred bucks for
• 19:22
  Speaker 3: parking fine. What did you do in the middle of
• 19:25
  Speaker 3: the bridge.
• 19:26
  Speaker 5: It was in Bondai, so that's you need to know. Anyway,
• 19:30
  Speaker 5: a couple hundred bucks and I forgot about it. They
• 19:31
  Speaker 5: sent me mail letter mail at a mail letter, and
• 19:33
  Speaker 5: I didn't reply. Got one in the mail. I actually
• 19:35
  Speaker 5: read it and said your license is being suspended. You
• 19:37
  Speaker 5: must pay now. So I called them and I said, listen, guys,
• 19:40
  Speaker 5: I'm not going to pay you the full amount. What
• 19:41
  Speaker 5: I'm going to do is I'm going to do it
• 19:42
  Speaker 5: in fortnightly repayments. And they said, great, you want to
• 19:45
  Speaker 5: do fifty bucks a fortnite And I said, you know what,
• 19:47
  Speaker 5: I'm going to give you ten bucks a fortnight. And
• 19:49
  Speaker 5: they have to accept it. They've got to take it
• 19:50
  Speaker 5: because they actually yeah, he said, oh, I think we'd
• 19:53
  Speaker 5: prefer to do a bit more. And I said, oh,
• 19:54
  Speaker 5: I can afford is ten dollars a fortnight for a
• 19:57
  Speaker 5: couple of months until it's paid off. That is a
• 19:59
  Speaker 5: super service Saturday.
• 20:00
  Speaker 4: That's actually really smart for budgeting cash flow because obviously,
• 20:03
  Speaker 4: when you get a parking fine, it's not expected and
• 20:06
  Speaker 4: you might be out literally a couple of hundred bucks,
• 20:09
  Speaker 4: So negotiate it. But also, what if you're that parking
• 20:12
  Speaker 4: inspector that mitchat a chat to. He's gonna be like,
• 20:15
  Speaker 4: isn't that million dollar mich I try to buy you
• 20:17
  Speaker 4: ten bucks a week.
• 20:18
  Speaker 2: Hey, if we're gonna throw out tips like that, just
• 20:21
  Speaker 2: don't park in a place you're not supposed to save
• 20:23
  Speaker 2: yourself a cup one hundred bucks?
• 20:25
  Speaker 3: All right, thanks for coming drafts see yourself about.
• 20:30
  Speaker 5: All right?
• 20:31
  Speaker 4: So I haven't you app for you guys, which I
• 20:33
  Speaker 4: have recently discovered. Obviously you know I'm already obsessed with
• 20:37
  Speaker 4: the seven eleven fuel lock app where you can lock
• 20:39
  Speaker 4: in a fuel price. This app takes it to the
• 20:43
  Speaker 4: next level. It actually lets you track down the cheapest
• 20:46
  Speaker 4: fuel across the board, not just with one company, so
• 20:49
  Speaker 4: you can track down the cheapest fuel near you in
• 20:52
  Speaker 4: basically two seconds. It's called Arevo. I think I'm saying
• 20:55
  Speaker 4: that properly a Revo. It is by our ACV, so
• 20:59
  Speaker 4: you know the it's legit. It's not some kind of
• 21:01
  Speaker 4: sham app that's trying to scam me out of a
• 21:03
  Speaker 4: whole heap of money. But it's the Urevo fuel Finder
• 21:06
  Speaker 4: and it basically puts you in the driver's seat.
• 21:08
  Speaker 3: When it comes to savings. And I bloody love that
• 21:10
  Speaker 3: I've got that out.
• 21:11
  Speaker 2: They're actually a really amazing public transport and things like that.
• 21:14
  Speaker 3: Are you joking.
• 21:17
  Speaker 2: You?
• 21:18
  Speaker 3: Actually he's showing me the.
• 21:19
  Speaker 4: App, yet he's decided to never share it, and his
• 21:22
  Speaker 4: savings tip this week was just to talk anywhere you
• 21:26
  Speaker 4: had something better to share, and you chose to withhold it.
• 21:28
  Speaker 3: That's disgrastersting.
• 21:29
  Speaker 1: I can see too what they call the Obviously.
• 21:35
  Speaker 3: I thought he said he'd never heard of grinder.
• 21:37
  Speaker 1: Interesting, let's grind it right, Let's move on.
• 21:40
  Speaker 3: I have another hot tip for you guys.
• 21:42
  Speaker 4: Earlier, I promised that I could save you forty three
• 21:45
  Speaker 4: thousand dollars on your mortgage, and I'm going to tell
• 21:48
  Speaker 4: you right now how to do that.
• 21:49
  Speaker 3: So, when it comes to mortgage repayments, sometimes you're like,
• 21:52
  Speaker 3: should I pay more off my mortgage or not? Like,
• 21:54
  Speaker 3: what does it mean? How does it work?
• 21:56
  Speaker 4: And obviously, at this point in time, interest rates are
• 21:59
  Speaker 4: very hot topic.
• 22:00
  Speaker 3: However, I've done the maths.
• 22:02
  Speaker 4: If you add an additional one hundred bucks each and
• 22:04
  Speaker 4: every single week to your mortgage repayments over the life
• 22:08
  Speaker 4: of your loan, you are going to say forty three grand,
• 22:10
  Speaker 4: but you are going to get out of your mortgage.
• 22:13
  Speaker 3: Seven years earlier. How's that for a money win?
• 22:16
  Speaker 5: That's a win.
• 22:17
  Speaker 4: Also, if you're not in a position where you can
• 22:19
  Speaker 4: afford another hundred bucks each and every single week, because
• 22:22
  Speaker 4: that's a pretty big stretch for a lot of families.
• 22:25
  Speaker 4: Did you know that if you pay your mortgage weekly
• 22:28
  Speaker 4: instead of monthly, you will save money because the interest
• 22:31
  Speaker 4: is calculated on a daily basis, not a monthly one.
• 22:34
  Speaker 2: See that's how we end the show with an absolute bang,
• 22:37
  Speaker 2: Victoria Devine, I mean there was.
• 22:38
  Speaker 4: You can automate it too by just setting up direct debits,
• 22:41
  Speaker 4: and you're saving yourself some cash while still spending exactly
• 22:44
  Speaker 4: the same amount of money.
• 22:44
  Speaker 1: All Right, we got to get out of here. If
• 22:47
  Speaker 1: you want to hit us up anytime, you can do it.
• 22:49
  Speaker 2: Just search sheees on the Money on Socials, Mitch, you've
• 22:52
  Speaker 2: got to stick around. You're doing the Life on Cut
• 22:54
  Speaker 2: show with Laura Dern and is it snabby?
• 22:59
  Speaker 4: Maybe? You know?
• 23:00
  Speaker 1: I think it's Brett Hockley as well.
• 23:02
  Speaker 3: Yeah, that guy's really smart.
• 23:04
  Speaker 5: Yeah, no, what it is. It's two professional broadcasters, you
• 23:07
  Speaker 5: know what they're doing.
• 23:08
  Speaker 4: That's what I've got next to see how he said too,
• 23:10
  Speaker 4: it's not one of them exactly.
• 23:12
  Speaker 2: No, we are just kidding. The Life Uncut with Laura
• 23:15
  Speaker 2: Burn and Brett Hockley coming up next