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Transcript

How To Live The Good Life For Less · Making Cents

• 0:02
  Hey
• 0:02
  team,
• 0:02
  it's
• 0:02
  Frances.
• 0:04
  Just
• 0:04
  as
• 0:04
  we
• 0:04
  thought
• 0:04
  the
• 0:04
  cost
• 0:05
  of
• 0:05
  living
• 0:05
  was
• 0:05
  getting
• 0:06
  a
• 0:06
  bit
• 0:06
  better,
• 0:06
  it
• 0:07
  looks
• 0:07
  like
• 0:07
  a
• 0:07
  crisis
• 0:08
  overseas
• 0:08
  could
• 0:09
  be
• 0:09
  hitting
• 0:09
  a
• 0:09
  little
• 0:10
  closer
• 0:10
  to
• 0:11
  home.
• 0:12
  So
• 0:12
  I
• 0:13
  thought
• 0:13
  that
• 0:13
  until
• 0:14
  we
• 0:14
  can
• 0:14
  get
• 0:15
  some
• 0:15
  proper
• 0:15
  information
• 0:16
  through
• 0:16
  about
• 0:17
  what
• 0:17
  is
• 0:17
  going
• 0:17
  on
• 0:17
  in
• 0:18
  the
• 0:18
  world
• 0:18
  right
• 0:18
  now,
• 0:19
  we
• 0:19
  could
• 0:19
  revisit
• 0:20
  some
• 0:20
  of
• 0:20
  the
• 0:20
  tips
• 0:21
  and
• 0:21
  tricks
• 0:21
  that
• 0:21
  help
• 0:21
  us
• 0:22
  live
• 0:22
  the
• 0:22
  good
• 0:22
  life
• 0:23
  for
• 0:23
  less.
• 0:23
  Because
• 0:24
  I
• 0:24
  wrote
• 0:24
  a
• 0:24
  column
• 0:25
  on
• 0:25
  just
• 0:26
  that
• 0:26
  for
• 0:27
  Stuff
• 0:27
  recently.
• 0:28
  So
• 0:29
  for
• 0:29
  everything
• 0:29
  from
• 0:30
  food
• 0:30
  to
• 0:30
  seeing
• 0:31
  your
• 0:31
  friends,
• 0:32
  it
• 0:32
  is
• 0:32
  time
• 0:32
  to
• 0:33
  rattle
• 0:33
  through
• 0:33
  the
• 0:33
  things
• 0:34
  that
• 0:34
  help
• 0:34
  us
• 0:35
  live
• 0:35
  that
• 0:35
  good
• 0:35
  life
• 0:36
  without
• 0:37
  stretching
• 0:37
  the
• 0:37
  wallet
• 0:38
  too
• 0:38
  far.
• 0:39
  Enjoy.
• 0:45
  How
• 0:46
  to
• 0:46
  Live
• 0:46
  the
• 0:46
  Good
• 0:46
  Life
• 0:47
  for
• 0:47
  Less
• 0:47
  by
• 0:48
  Francis
• 0:48
  Cook
• 0:48
  for
• 0:49
  Stuff
• 0:50
  when
• 0:50
  money
• 0:50
  gets
• 0:51
  tight,
• 0:51
  a
• 0:51
  lot
• 0:52
  of
• 0:52
  money
• 0:52
  advice
• 0:53
  turns
• 0:53
  to
• 0:53
  what
• 0:53
  you
• 0:54
  need
• 0:54
  to
• 0:54
  cut
• 0:54
  back
• 0:54
  on.
• 0:55
  It's
• 0:55
  time
• 0:56
  for
• 0:56
  fewer
• 0:56
  latte,
• 0:57
  to
• 0:57
  cancel
• 0:58
  the
• 0:58
  gym,
• 0:58
  to
• 0:59
  say
• 0:59
  goodbye
• 1:00
  to
• 1:00
  holidays.
• 1:01
  But
• 1:01
  what
• 1:01
  if
• 1:01
  the
• 1:01
  better
• 1:02
  question
• 1:02
  was
• 1:03
  how
• 1:03
  could
• 1:03
  you
• 1:03
  live
• 1:04
  well
• 1:04
  without
• 1:05
  going
• 1:05
  broke?
• 1:06
  Yes,
• 1:07
  the
• 1:07
  cost
• 1:07
  of
• 1:07
  living
• 1:07
  has
• 1:08
  been
• 1:08
  cooked
• 1:08
  lately,
• 1:09
  but
• 1:09
  the
• 1:09
  good
• 1:10
  life
• 1:10
  doesn't
• 1:10
  have
• 1:10
  to
• 1:10
  be
• 1:10
  about
• 1:11
  designer
• 1:11
  handbags
• 1:12
  or
• 1:12
  dinners
• 1:13
  with
• 1:13
  a
• 1:13
  side
• 1:13
  of
• 1:14
  several
• 1:14
  $40
• 1:15
  cocktails.
• 1:16
  It
• 1:16
  can
• 1:16
  be
• 1:16
  about
• 1:17
  joy,
• 1:18
  freedom
• 1:18
  and
• 1:19
  moments
• 1:19
  that
• 1:19
  make
• 1:19
  it
• 1:19
  feel
• 1:20
  like
• 1:20
  you're
• 1:20
  actually
• 1:21
  living,
• 1:22
  not
• 1:22
  just
• 1:22
  surviving.
• 1:24
  So
• 1:24
  here's
• 1:25
  five
• 1:25
  ways
• 1:25
  to
• 1:25
  live
• 1:26
  a
• 1:26
  good
• 1:26
  life
• 1:26
  when
• 1:27
  you're
• 1:27
  on
• 1:27
  a
• 1:27
  not
• 1:28
  so
• 1:28
  luxury
• 1:29
  budget,
• 1:29
  using
• 1:30
  tips
• 1:30
  pulled
• 1:30
  from
• 1:31
  some
• 1:31
  of
• 1:31
  the
• 1:31
  smartest
• 1:32
  guests
• 1:32
  on
• 1:32
  the
• 1:32
  Making
• 1:33
  Sense
• 1:33
  podcast.
• 1:35
  1.
• 1:35
  Host
• 1:36
  like
• 1:36
  Martha
• 1:37
  spend
• 1:37
  like
• 1:37
  Kmart
• 1:38
  skip
• 1:39
  the
• 1:39
  five
• 1:39
  star
• 1:40
  budget
• 1:40
  when
• 1:40
  you're
• 1:40
  looking
• 1:41
  to
• 1:41
  create
• 1:41
  a
• 1:41
  five
• 1:42
  star
• 1:42
  social
• 1:42
  experience,
• 1:44
  a
• 1:44
  bit
• 1:44
  of
• 1:44
  planning
• 1:45
  and
• 1:45
  a
• 1:45
  dash
• 1:45
  of
• 1:45
  Pinterest
• 1:46
  can
• 1:46
  get
• 1:46
  you
• 1:46
  over
• 1:47
  the
• 1:47
  line
• 1:47
  instead.
• 1:48
  Sabi
• 1:49
  Jay
• 1:49
  has
• 1:49
  mastered
• 1:50
  the
• 1:50
  art
• 1:50
  of
• 1:51
  this,
• 1:51
  turning
• 1:51
  it
• 1:52
  into
• 1:52
  a
• 1:52
  viral
• 1:52
  social
• 1:53
  media
• 1:53
  series
• 1:53
  that
• 1:53
  she's
• 1:54
  dubbed
• 1:54
  Bougie
• 1:55
  on
• 1:55
  a
• 1:55
  Budget,
• 1:56
  one
• 1:56
  of
• 1:56
  her
• 1:56
  secret
• 1:57
  weapons.
• 1:57
  Hosting
• 1:58
  at
• 1:58
  home,
• 1:59
  she
• 1:59
  says
• 2:00
  you
• 2:00
  want
• 2:00
  to
• 2:00
  still
• 2:01
  give
• 2:01
  your
• 2:01
  friends
• 2:01
  that
• 2:02
  treatment,
• 2:02
  but
• 2:03
  how
• 2:03
  you
• 2:03
  treat
• 2:03
  people
• 2:04
  can
• 2:04
  come
• 2:04
  from
• 2:04
  a
• 2:05
  place
• 2:05
  of
• 2:05
  thoughtfulness
• 2:06
  instead
• 2:07
  of
• 2:07
  just
• 2:07
  paying.
• 2:08
  So
• 2:09
  for
• 2:09
  celebrations,
• 2:10
  birthdays
• 2:10
  or
• 2:11
  just
• 2:11
  bringing
• 2:11
  people
• 2:11
  together,
• 2:12
  she'll
• 2:12
  skip
• 2:13
  the
• 2:13
  restaurant
• 2:13
  and
• 2:14
  offer
• 2:14
  up
• 2:14
  her
• 2:14
  home
• 2:15
  instead.
• 2:16
  It
• 2:16
  can
• 2:16
  feel
• 2:17
  fancy
• 2:17
  just
• 2:17
  with
• 2:17
  small
• 2:18
  touches
• 2:18
  like
• 2:19
  sparkling
• 2:19
  water
• 2:20
  and
• 2:20
  lemon
• 2:20
  from
• 2:21
  your
• 2:21
  own
• 2:21
  tree,
• 2:22
  maybe
• 2:22
  supermarket
• 2:23
  macaroons
• 2:24
  put
• 2:24
  out
• 2:24
  on
• 2:24
  a
• 2:24
  nice
• 2:25
  plate.
• 2:26
  Nice
• 2:26
  crockery
• 2:26
  sourced
• 2:27
  from
• 2:27
  a
• 2:27
  secondhand
• 2:28
  store
• 2:28
  can
• 2:28
  elevate
• 2:29
  simple
• 2:29
  dishes
• 2:30
  where
• 2:31
  she
• 2:31
  turns
• 2:31
  for
• 2:31
  inspiration.
• 2:32
  Watching
• 2:33
  the
• 2:33
  OG
• 2:34
  Martha
• 2:34
  Stewart
• 2:35
  Add
• 2:36
  candles,
• 2:36
  music,
• 2:37
  incense
• 2:38
  and
• 2:38
  you've
• 2:39
  created
• 2:39
  an
• 2:39
  experience
• 2:39
  that
• 2:40
  people
• 2:40
  want
• 2:40
  to
• 2:40
  talk
• 2:41
  about
• 2:41
  for
• 2:41
  weeks
• 2:42
  without
• 2:43
  maxing
• 2:43
  out
• 2:44
  your
• 2:44
  card.
• 2:45
  If
• 2:45
  you
• 2:45
  want
• 2:45
  more
• 2:46
  from
• 2:46
  Sabbie,
• 2:46
  listen
• 2:46
  to
• 2:47
  the
• 2:47
  episode
• 2:47
  how
• 2:47
  to
• 2:48
  Be
• 2:48
  bougie
• 2:48
  on
• 2:48
  a
• 2:49
  budget
• 2:50
  2.
• 2:51
  Treat
• 2:51
  yourself,
• 2:52
  but
• 2:53
  with
• 2:53
  a
• 2:53
  spreadsheet.
• 2:54
  If
• 2:54
  you
• 2:54
  want
• 2:55
  something
• 2:55
  nice.
• 2:55
  It's
• 2:56
  time
• 2:56
  to
• 2:56
  get
• 2:56
  strategic
• 2:58
  once
• 2:58
  again.
• 2:58
  We're
• 2:58
  back
• 2:58
  to
• 2:59
  Savvy
• 2:59
  Jay.
• 2:59
  She
• 3:00
  admits
• 3:00
  she
• 3:00
  often
• 3:01
  has
• 3:01
  her
• 3:01
  eye
• 3:01
  on
• 3:02
  high
• 3:02
  end
• 3:02
  clothes
• 3:02
  or
• 3:02
  homewares,
• 3:03
  but
• 3:04
  she
• 3:04
  ensures
• 3:04
  she's
• 3:05
  living
• 3:05
  like
• 3:05
  a
• 3:05
  queen
• 3:06
  without
• 3:06
  going
• 3:07
  into
• 3:07
  debt.
• 3:08
  To
• 3:08
  make
• 3:08
  it
• 3:08
  happen,
• 3:09
  she
• 3:09
  keeps
• 3:09
  a
• 3:09
  detailed
• 3:10
  spreadsheet
• 3:10
  of
• 3:10
  everything
• 3:11
  she
• 3:11
  wants
• 3:11
  to
• 3:12
  buy,
• 3:12
  divided
• 3:13
  into
• 3:13
  tiers,
• 3:14
  essentials,
• 3:16
  mid
• 3:16
  range
• 3:16
  and
• 3:17
  lux.
• 3:18
  Seeing
• 3:18
  it
• 3:18
  written
• 3:18
  down
• 3:19
  reminds
• 3:19
  her
• 3:19
  that
• 3:19
  an
• 3:20
  impulse
• 3:20
  buy
• 3:20
  of
• 3:20
  something
• 3:21
  she's
• 3:21
  not
• 3:21
  so
• 3:22
  invested
• 3:22
  in
• 3:23
  could
• 3:23
  actually
• 3:23
  be
• 3:24
  robbing
• 3:24
  her
• 3:24
  of
• 3:24
  the
• 3:24
  treats
• 3:25
  she
• 3:25
  really
• 3:26
  wants.
• 3:27
  That
• 3:27
  keeps
• 3:27
  the
• 3:27
  motivation
• 3:28
  going
• 3:28
  to
• 3:28
  keep
• 3:28
  up
• 3:29
  her
• 3:29
  savings
• 3:29
  until
• 3:30
  she
• 3:30
  hits
• 3:30
  a
• 3:30
  goal
• 3:31
  and
• 3:31
  can
• 3:31
  buy
• 3:31
  the
• 3:32
  treat
• 3:32
  with
• 3:32
  cash.
• 3:34
  3.
• 3:34
  You
• 3:34
  don't
• 3:35
  need
• 3:35
  to
• 3:35
  be
• 3:35
  perfect,
• 3:36
  you
• 3:36
  need
• 3:37
  systems
• 3:38
  Most
• 3:38
  of
• 3:38
  us
• 3:39
  try
• 3:39
  to
• 3:39
  brute
• 3:40
  force
• 3:40
  or
• 3:40
  browbeat
• 3:41
  ourselves
• 3:41
  into
• 3:42
  being
• 3:42
  good
• 3:42
  with
• 3:43
  money,
• 3:44
  but
• 3:44
  psychologist
• 3:44
  Dr.
• 3:45
  Brad
• 3:45
  Klontz
• 3:46
  says
• 3:46
  willpower
• 3:47
  and
• 3:47
  discipline
• 3:47
  are
• 3:48
  not
• 3:48
  only
• 3:48
  overrated,
• 3:49
  they're
• 3:50
  often
• 3:50
  totally
• 3:51
  unsustainable.
• 3:52
  He
• 3:53
  told
• 3:53
  us
• 3:53
  the
• 3:54
  brain
• 3:54
  is
• 3:54
  a
• 3:54
  cognitive
• 3:55
  miser.
• 3:56
  What
• 3:57
  does
• 3:57
  he
• 3:57
  mean
• 3:57
  by
• 3:57
  that?
• 3:58
  He
• 3:58
  says
• 3:59
  it's
• 3:59
  just
• 3:59
  trying
• 4:00
  to
• 4:00
  figure
• 4:00
  out
• 4:00
  how
• 4:00
  to
• 4:01
  expend
• 4:01
  the
• 4:01
  least
• 4:02
  amount
• 4:02
  of
• 4:02
  energy,
• 4:03
  and
• 4:03
  that's
• 4:04
  why
• 4:04
  habits
• 4:05
  are
• 4:05
  so
• 4:05
  powerful.
• 4:07
  So
• 4:07
  rather
• 4:07
  than
• 4:08
  trying
• 4:08
  to
• 4:08
  micromanage
• 4:09
  every
• 4:09
  spending
• 4:10
  decision,
• 4:10
  Klonce
• 4:11
  recommends
• 4:12
  automating
• 4:13
  as
• 4:13
  much
• 4:13
  as
• 4:13
  possible.
• 4:14
  That
• 4:15
  includes
• 4:15
  creating
• 4:15
  auto
• 4:16
  payments
• 4:16
  so
• 4:17
  that
• 4:17
  your
• 4:17
  savings
• 4:17
  happen
• 4:18
  straight
• 4:18
  after
• 4:18
  payday,
• 4:19
  as
• 4:20
  well
• 4:20
  as
• 4:20
  designing
• 4:20
  your
• 4:21
  environment
• 4:21
  to
• 4:21
  make
• 4:22
  good
• 4:22
  choices
• 4:22
  easier.
• 4:24
  He
• 4:24
  even
• 4:24
  has
• 4:24
  a
• 4:25
  great
• 4:25
  example
• 4:26
  saying,
• 4:26
  I
• 4:27
  don't
• 4:27
  have
• 4:27
  dessert
• 4:27
  in
• 4:28
  my
• 4:28
  house
• 4:28
  because
• 4:29
  I'll
• 4:29
  eat
• 4:29
  it.
• 4:30
  And
• 4:30
  so
• 4:30
  that's
• 4:31
  an
• 4:31
  example
• 4:31
  of
• 4:32
  making
• 4:32
  it
• 4:32
  easy
• 4:32
  to
• 4:33
  be
• 4:33
  healthy.
• 4:34
  Well,
• 4:34
  same
• 4:35
  goes
• 4:35
  for
• 4:35
  your
• 4:35
  money.
• 4:36
  Set
• 4:36
  up
• 4:36
  the
• 4:37
  system,
• 4:37
  then
• 4:38
  step
• 4:38
  back.
• 4:40
  It's
• 4:40
  true
• 4:40
  what
• 4:41
  you
• 4:41
  do
• 4:41
  once
• 4:41
  doesn't
• 4:42
  have
• 4:42
  much
• 4:42
  impact
• 4:43
  on
• 4:43
  your
• 4:43
  money,
• 4:44
  but
• 4:44
  what
• 4:44
  you
• 4:44
  do
• 4:45
  over
• 4:45
  and
• 4:46
  over
• 4:46
  can
• 4:47
  change
• 4:47
  your
• 4:47
  money
• 4:48
  life.
• 4:49
  Create
• 4:49
  a
• 4:49
  good
• 4:50
  foundation,
• 4:51
  drop
• 4:51
  some
• 4:51
  of
• 4:51
  your
• 4:51
  mental
• 4:52
  load
• 4:52
  and
• 4:53
  watch
• 4:53
  how
• 4:53
  it
• 4:53
  becomes
• 4:54
  easier
• 4:54
  to
• 4:55
  make
• 4:55
  good
• 4:55
  decisions
• 4:55
  with
• 4:55
  your
• 4:56
  money
• 4:56
  elsewhere.
• 4:58
  You
• 4:58
  can
• 4:58
  check
• 4:58
  out
• 4:58
  more
• 4:59
  from
• 4:59
  Dr.
• 4:59
  Brad
• 4:59
  Klontz
• 5:00
  on
• 5:00
  the
• 5:00
  episode
• 5:00
  the
• 5:01
  Hidden
• 5:01
  Psychology
• 5:02
  to
• 5:02
  Build
• 5:02
  wealth
• 5:03
  and
• 5:03
  why
• 5:04
  meditating
• 5:04
  hurts
• 5:05
  your
• 5:05
  money.
• 5:06
  4.
• 5:07
  Borrow,
• 5:08
  don't
• 5:08
  buy.
• 5:09
  Community
• 5:10
  is
• 5:10
  an
• 5:11
  underrated
• 5:12
  factor
• 5:12
  in
• 5:12
  doing
• 5:12
  well
• 5:13
  with
• 5:13
  your
• 5:13
  money.
• 5:14
  So
• 5:14
  if
• 5:14
  you
• 5:14
  have
• 5:14
  the
• 5:14
  option
• 5:15
  to
• 5:15
  make
• 5:15
  use
• 5:15
  of
• 5:16
  friends
• 5:16
  and
• 5:16
  family,
• 5:17
  go
• 5:17
  for
• 5:17
  it.
• 5:18
  Nick
• 5:19
  Gentle
• 5:19
  managed
• 5:20
  to
• 5:20
  retire
• 5:20
  early
• 5:20
  at
• 5:21
  just
• 5:21
  30
• 5:22
  thanks
• 5:22
  to
• 5:22
  a
• 5:22
  combination
• 5:23
  of
• 5:23
  frugal
• 5:23
  living
• 5:24
  and
• 5:24
  investing
• 5:25
  as
• 5:25
  much
• 5:25
  as
• 5:25
  he
• 5:26
  could.
• 5:26
  His
• 5:27
  golden
• 5:27
  rule
• 5:27
  for
• 5:27
  spending?
• 5:28
  Spend
• 5:29
  on
• 5:29
  what
• 5:29
  you'll
• 5:29
  use
• 5:29
  often
• 5:30
  and
• 5:31
  then
• 5:31
  borrow
• 5:31
  the
• 5:31
  rest,
• 5:33
  he
• 5:33
  says.
• 5:33
  Stuff
• 5:34
  I
• 5:34
  use
• 5:34
  all
• 5:34
  the
• 5:34
  time,
• 5:35
  I
• 5:35
  tend
• 5:36
  to
• 5:36
  invest
• 5:36
  in,
• 5:37
  but
• 5:37
  I
• 5:37
  don't
• 5:38
  buy
• 5:38
  stuff
• 5:38
  for
• 5:39
  one
• 5:39
  off
• 5:39
  use.
• 5:40
  I
• 5:40
  tend
• 5:40
  to
• 5:40
  borrow.
• 5:42
  Now
• 5:42
  that's
• 5:42
  a
• 5:42
  mindset
• 5:43
  shift
• 5:43
  that
• 5:43
  can
• 5:44
  be
• 5:44
  applied
• 5:44
  to
• 5:44
  many
• 5:45
  areas.
• 5:46
  Hosting
• 5:46
  a
• 5:47
  themed
• 5:47
  party
• 5:48
  Borrow
• 5:48
  the
• 5:48
  costume
• 5:50
  Fixing
• 5:50
  something
• 5:50
  in
• 5:50
  the
• 5:51
  garden?
• 5:51
  Ask
• 5:52
  a
• 5:52
  mate
• 5:52
  for
• 5:52
  the
• 5:52
  hedge
• 5:53
  trimmer.
• 5:54
  You
• 5:54
  can
• 5:54
  hear
• 5:54
  more
• 5:54
  from
• 5:55
  Nick
• 5:55
  on
• 5:55
  the
• 5:55
  episode.
• 5:56
  Financially
• 5:57
  free
• 5:57
  at
• 5:57
  30
• 5:58
  how
• 5:58
  this
• 5:59
  dad
• 5:59
  quit
• 5:59
  the
• 5:59
  corporate
• 6:00
  world
• 6:02
  number
• 6:02
  five
• 6:02
  heading
• 6:03
  on
• 6:03
  holiday
• 6:04
  dodge
• 6:04
  the
• 6:04
  ATM
• 6:05
  sting
• 6:06
  save
• 6:06
  your
• 6:06
  holiday
• 6:07
  cash
• 6:07
  for
• 6:07
  Mai
• 6:08
  tais
• 6:08
  and
• 6:08
  mementos
• 6:09
  by
• 6:10
  making
• 6:10
  sure
• 6:10
  you
• 6:10
  don't
• 6:11
  get
• 6:11
  caught
• 6:11
  out
• 6:11
  with
• 6:11
  nasty
• 6:12
  fees
• 6:12
  like
• 6:13
  the
• 6:13
  ATM
• 6:14
  or
• 6:14
  currency
• 6:15
  conversion.
• 6:16
  Kiwibank
• 6:17
  Senior
• 6:17
  Product
• 6:17
  Manager
• 6:18
  Hayley
• 6:18
  Tito
• 6:19
  ran
• 6:19
  into
• 6:19
  this
• 6:19
  herself
• 6:20
  on
• 6:20
  a
• 6:20
  family
• 6:20
  trip
• 6:21
  to
• 6:21
  Australia.
• 6:22
  She
• 6:22
  thought
• 6:23
  she'd
• 6:23
  be
• 6:23
  clever
• 6:23
  by
• 6:24
  using
• 6:24
  local
• 6:24
  accounts,
• 6:25
  but
• 6:26
  best
• 6:26
  laid
• 6:26
  plans
• 6:27
  changed
• 6:27
  when
• 6:27
  she
• 6:27
  ran
• 6:28
  out
• 6:28
  of
• 6:28
  funds
• 6:29
  and
• 6:29
  used
• 6:29
  her
• 6:29
  New
• 6:30
  Zealand
• 6:30
  card
• 6:30
  at
• 6:31
  an
• 6:31
  atm
• 6:32
  and
• 6:32
  the
• 6:32
  fees
• 6:33
  gave
• 6:33
  her
• 6:33
  a
• 6:33
  nasty
• 6:34
  surprise.
• 6:35
  She
• 6:35
  says,
• 6:36
  I
• 6:36
  think
• 6:36
  I
• 6:37
  got
• 6:37
  a
• 6:37
  couple
• 6:37
  of
• 6:37
  hundred
• 6:38
  dollars
• 6:38
  cash
• 6:38
  out
• 6:39
  and
• 6:39
  it
• 6:39
  cost
• 6:39
  me
• 6:40
  $15
• 6:40
  in
• 6:41
  bank
• 6:41
  fees.
• 6:41
  At
• 6:42
  the
• 6:42
  time
• 6:42
  I
• 6:43
  knew
• 6:43
  I
• 6:43
  was
• 6:43
  going
• 6:43
  to
• 6:43
  be
• 6:43
  hit
• 6:44
  with
• 6:44
  a
• 6:44
  few
• 6:44
  charges
• 6:44
  from
• 6:45
  my
• 6:45
  New
• 6:45
  Zealand
• 6:45
  bank,
• 6:46
  but
• 6:46
  what
• 6:46
  I
• 6:47
  wasn't
• 6:47
  aware
• 6:47
  of
• 6:47
  was
• 6:48
  that
• 6:48
  the
• 6:48
  Aussie
• 6:48
  banks
• 6:49
  over
• 6:49
  there
• 6:50
  also
• 6:50
  take
• 6:50
  a
• 6:50
  clipping.
• 6:52
  So
• 6:52
  if
• 6:53
  you
• 6:53
  have
• 6:53
  to
• 6:53
  hit
• 6:53
  the
• 6:53
  atmosphere,
• 6:55
  check
• 6:55
  the
• 6:55
  fees
• 6:55
  and
• 6:56
  try
• 6:56
  to
• 6:56
  do
• 6:56
  necessary
• 6:57
  transactions
• 6:57
  all
• 6:58
  in
• 6:58
  one
• 6:58
  go
• 6:59
  so
• 6:59
  that
• 6:59
  you're
• 6:59
  only
• 7:00
  paying
• 7:00
  once.
• 7:01
  Even
• 7:01
  if
• 7:01
  you're
• 7:02
  just
• 7:02
  tapping
• 7:02
  your
• 7:02
  card
• 7:03
  at
• 7:03
  the
• 7:03
  counter,
• 7:03
  watch
• 7:04
  for
• 7:04
  one
• 7:05
  crucial
• 7:05
  decision
• 7:06
  which
• 7:06
  currency
• 7:07
  to
• 7:07
  pay
• 7:07
  in.
• 7:08
  If
• 7:08
  the
• 7:08
  terminal
• 7:09
  gives
• 7:09
  you
• 7:09
  a
• 7:09
  choice,
• 7:10
  you
• 7:10
  should
• 7:10
  almost
• 7:11
  always
• 7:11
  pick
• 7:11
  the
• 7:12
  local
• 7:12
  currency.
• 7:13
  When
• 7:13
  you
• 7:13
  avoid
• 7:14
  those
• 7:14
  fees,
• 7:14
  you'll
• 7:14
  keep
• 7:15
  more
• 7:15
  money
• 7:15
  for
• 7:15
  the
• 7:15
  things
• 7:16
  that
• 7:16
  actually
• 7:16
  make
• 7:17
  a
• 7:17
  holiday
• 7:17
  feel
• 7:18
  rich.
• 7:19
  So
• 7:19
  there
• 7:19
  you
• 7:19
  go
• 7:20
  team,
• 7:20
  living
• 7:20
  the
• 7:20
  good
• 7:21
  life
• 7:21
  for
• 7:21
  less
• 7:21
  in
• 7:21
  a
• 7:21
  range
• 7:22
  of
• 7:22
  areas.
• 7:22
  Hope
• 7:23
  that
• 7:23
  helps.
• 7:23
  Until
• 7:23
  next
• 7:24
  time,
• 7:24
  have
• 7:24
  a
• 7:24
  great
• 7:24
  day.
• 7:26
  This
• 7:26
  podcast
• 7:26
  can
• 7:26
  only
• 7:27
  give
• 7:27
  you
• 7:27
  general
• 7:27
  information
• 7:28
  about
• 7:28
  how
• 7:29
  things
• 7:29
  work
• 7:29
  in
• 7:30
  most
• 7:30
  situations.
• 7:31
  It's
• 7:31
  not
• 7:31
  individual
• 7:32
  financial
• 7:32
  advice.
• 7:33
  If
• 7:33
  you're
• 7:34
  after
• 7:34
  that,
• 7:34
  a
• 7:35
  financial
• 7:35
  advisor
• 7:35
  is
• 7:36
  always
• 7:36
  the
• 7:36
  best
• 7:37
  bet.