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The six clever money hacks to help you save faster! · She's On The Money

• 0:00
  Speaker 1: She's on the Money.
• 0:02
  Speaker 2: She's on the Money.
• 0:12
  Speaker 3: Hello, and welcome to She's on the Money, the podcast
• 0:15
  Speaker 3: for millennials who want financial freedom.
• 0:17
  Speaker 1: My name is Georgia King.
• 0:18
  Speaker 3: I'm a copywriter and journalism student, and each week I
• 0:22
  Speaker 3: sit down and pick the brains of millennial money expert
• 0:24
  Speaker 3: Victoria Divine Victoria.
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  Speaker 1: Hello, Hello George King.
• 0:28
  Speaker 3: Now today's show is one we've had requested a lot,
• 0:32
  Speaker 3: and that is what other saving hacks we swear by
• 0:35
  Speaker 3: and how can we change our mindsets to stop spending
• 0:37
  Speaker 3: frivolously and start spending smarter. That is a tongue twister.
• 0:42
  Speaker 3: Now we will also have a quick chat about the
• 0:44
  Speaker 3: psychology of saving and unpack why some people are good
• 0:47
  Speaker 3: at saving and others just aren't. Then later on we'll
• 0:50
  Speaker 3: be helping answer a question from a listener who is
• 0:52
  Speaker 3: a little confused about whether she should actually be saving
• 0:54
  Speaker 3: less and start spending more. But before we get there, Victoria,
• 0:59
  Speaker 3: let's chat through our money wins and confessions as we
• 1:02
  Speaker 3: always do. What if you got for me this week?
• 1:04
  Speaker 2: Georgia, You know when your products just start to dwindle,
• 1:07
  Speaker 2: like your foundation starts to run out at exactly the
• 1:09
  Speaker 2: same time as your moisturizer and shampoo and conditioner like
• 1:13
  Speaker 2: they never finish at the same time, but you can
• 1:16
  Speaker 2: guarantee that it's finishing at the same time as something
• 1:18
  Speaker 2: else expensive, and then you're looking at spending more than
• 1:21
  Speaker 2: you wanted to.
• 1:23
  Speaker 4: Instead of just picking up.
• 1:24
  Speaker 2: One product, you actually need to pick up three and
• 1:26
  Speaker 2: it's really challenging anyway. That's what's happening to me at
• 1:29
  Speaker 2: the moment. So I've put in a few orders online
• 1:31
  Speaker 2: for things here and there this week, so I guess
• 1:34
  Speaker 2: it's not that much of a money win for that.
• 1:37
  Speaker 2: But my money win is I've got a girlfriend who
• 1:39
  Speaker 2: knows what shampoo I use, and recently she purchased that shampoo.
• 1:44
  Speaker 2: It's not the cheapest, but oh my gosh, does it
• 1:46
  Speaker 2: smell delicious.
• 1:48
  Speaker 4: She purchased it.
• 1:48
  Speaker 2: She doesn't like it, so she has gifted. She lives
• 1:52
  Speaker 2: within my five kilometer bubble Georgia king and she left
• 1:56
  Speaker 2: it on my front doorstep the other day full and
• 2:01
  Speaker 2: now I don't have to purchase that product. So if
• 2:03
  Speaker 2: that's normal money win, I don't know what is.
• 2:05
  Speaker 3: That's a huge money win. My old housemate actually left
• 2:09
  Speaker 3: me all of her expensive shampoo when she moved to London.
• 2:12
  Speaker 3: So that was a kerk very similar style winn a winner.
• 2:16
  Speaker 3: Mine is a money win and it's in a very
• 2:18
  Speaker 3: similar vein to a previous win that I've noted on
• 2:21
  Speaker 3: the podcast before.
• 2:22
  Speaker 2: Okay, just coffee copy, glad we were original.
• 2:25
  Speaker 3: Absolutely well, I mean we are running out of ideas
• 2:27
  Speaker 3: over here, but that's okay. So mine this week is
• 2:32
  Speaker 3: Kaya Online. So I have mentioned in the past Yoga
• 2:36
  Speaker 3: with Adrian has been my go to through COVID like
• 2:40
  Speaker 3: nine two yeah, yeah, yeah, So that's the yoga on YouTube.
• 2:43
  Speaker 3: It's completely free and it's amazing. So Kaya was the
• 2:46
  Speaker 3: gym that I used to go to pre covid, and
• 2:49
  Speaker 3: it was just my happy place. I went there, I
• 2:51
  Speaker 3: reckon like eight times a week.
• 2:53
  Speaker 2: Every single time we would record a podcast. You would
• 2:56
  Speaker 2: come to my office in Active where because you'd just
• 2:59
  Speaker 2: come to K or you were going to KA after.
• 3:02
  Speaker 2: You are the ultimate KA poster girl.
• 3:04
  Speaker 3: I am, and I love it, and I've just really
• 3:07
  Speaker 3: been feeling for them because they've had their doors closed
• 3:09
  Speaker 3: for six months, yet they're producing this free content popping
• 3:13
  Speaker 3: it online. It's on YouTube as well. So I just
• 3:16
  Speaker 3: really recommend you guys having a go if you're looking
• 3:18
  Speaker 3: for something new to keep fit during this time. If
• 3:21
  Speaker 3: you're still in Melbourne in lockdown, I could not recommend
• 3:24
  Speaker 3: it highly enough. The trainers are amazing. It's really there's
• 3:27
  Speaker 3: like options for different levels and yeah, it's just the best.
• 3:30
  Speaker 3: So we'll pop a little link in our show notes
• 3:33
  Speaker 3: to exactly what that is. It's Kaya Kaya and yeah, I.
• 3:37
  Speaker 1: Just love it.
• 3:37
  Speaker 2: I adore it as well. I used to go to
• 3:39
  Speaker 2: that gym there is one in the Melbourne CBD. It
• 3:42
  Speaker 2: feels really bougie like it is so fancy inside, but
• 3:46
  Speaker 2: really reasonably priced given Polarate's reformer is so expensive normally
• 3:51
  Speaker 2: we've spoken about this on the podcast before, where it
• 3:53
  Speaker 2: can be upwards of thirty dollars a class. The KA
• 3:55
  Speaker 2: memberships are a little bit more than that per week,
• 3:58
  Speaker 2: but it works out really well actually if you're going
• 4:00
  Speaker 2: eight times a week. Guys, this isn't sponsored at all.
• 4:03
  Speaker 2: We just are genuine ca your lovers and yeah, here
• 4:06
  Speaker 2: for it. Goodwin, Georgia King, thank.
• 4:09
  Speaker 1: You, thank you.
• 4:10
  Speaker 3: Now, I mean again, let's stick to tradition and move
• 4:12
  Speaker 3: across to the Facebook community Victoria. Actually, just a little
• 4:16
  Speaker 3: side note, there's ninety two thousand of us in there,
• 4:18
  Speaker 3: at the moment.
• 4:19
  Speaker 2: I cannot even with you guys, there are so many
• 4:22
  Speaker 2: did that happen? I don't know. But also shout out
• 4:25
  Speaker 2: to Georgia King. Here guys, ninety two thousand of you,
• 4:28
  Speaker 2: and guess who's been adding you all to the group?
• 4:31
  Speaker 3: Georgia King takes it takes so long, and we do
• 4:35
  Speaker 3: get a lot of messages from people being like are
• 4:37
  Speaker 3: you still accepting people? And it just does take time
• 4:40
  Speaker 3: to add you. Also, apologies for the delay, but we
• 4:42
  Speaker 3: promise it is worth it, as the numbers are showing
• 4:44
  Speaker 3: us people are loving it, so that's great. Anyway, onto
• 4:48
  Speaker 3: the Facebook community, Victoria, I have any posts stood out
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  Speaker 3: to you?
• 4:51
  Speaker 2: This is a lot of them this week. I feel
• 4:52
  Speaker 2: like so many people have had really great money wins
• 4:55
  Speaker 2: this week in ISO, but for me particularly, I had
• 4:57
  Speaker 2: one that stood out from Maddie, and Maddie said money win.
• 5:01
  Speaker 2: Since I bought my apartment, I've been wanting to switch
• 5:03
  Speaker 2: my balcony door to a glass one because the doorframe
• 5:06
  Speaker 2: isn't standard. This was going to cost more than three
• 5:08
  Speaker 2: hundred and fifty dollars. She said that ninety percent of
• 5:11
  Speaker 2: the furniture in her house she'd bought secondhand or picked
• 5:13
  Speaker 2: up free from the curb side, but she assumed that
• 5:16
  Speaker 2: for something like a door, she'd have to buy a
• 5:19
  Speaker 2: brand new one. But lo and behold, her three years
• 5:21
  Speaker 2: of patience paid off, and someone in her neighborhood community
• 5:25
  Speaker 2: Facebook group was selling theirs for sixty dollars. So she said,
• 5:28
  Speaker 2: with a little bit of help from my dad and
• 5:30
  Speaker 2: some new carpentry skills learnt along the way, we.
• 5:33
  Speaker 4: Replaced it together.
• 5:34
  Speaker 2: She said, next time you want something for your house,
• 5:36
  Speaker 2: don't forget to check on gum tree or marketplace.
• 5:38
  Speaker 4: You never know what will actually be on there.
• 5:41
  Speaker 2: And she had some really cute photos of her doing
• 5:43
  Speaker 2: said carpentry and then smiling through the glass door. And
• 5:46
  Speaker 2: I thought it was really sweet. So shout out to
• 5:49
  Speaker 2: Maddie because I think that that is something that is
• 5:51
  Speaker 2: really cool, like you can fix it yourself.
• 5:53
  Speaker 4: I love that.
• 5:54
  Speaker 3: Well exactly, and it kind of ties into today's theme,
• 5:56
  Speaker 3: which is, you know, saving hacks a little bit of DIY.
• 5:59
  Speaker 3: So that is very impressive and it also really opens
• 6:03
  Speaker 3: up the house.
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  Speaker 2: Doesn't It looks really cute. Congrats Maddie. We will be
• 6:07
  Speaker 2: around for a cheese platter and a couple of wines.
• 6:09
  Speaker 4: Once is over.
• 6:11
  Speaker 2: But back to you, Georgia King, do you have a
• 6:13
  Speaker 2: money win or confession that you want to share from
• 6:15
  Speaker 2: the group this week?
• 6:17
  Speaker 3: I do be and I'm actually surprised you didn't steal
• 6:19
  Speaker 3: this one because it is oat milk. Okay, So this
• 6:23
  Speaker 3: one is from Laura who has an oat milk money
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  Speaker 3: win as she is a longtime lurk, our first time
• 6:29
  Speaker 3: poster and like our our Lord and Savior, Our Lord
• 6:34
  Speaker 3: and Savior, Victoria divine.
• 6:35
  Speaker 2: Wow, that's the most Just stop with the junk, Georgia King.
• 6:40
  Speaker 1: I need to pair it back a little bit right now.
• 6:42
  Speaker 1: But that's okay.
• 6:43
  Speaker 4: I love you, Dale, thanks you, and I appreciate that.
• 6:46
  Speaker 3: So, like Victoria, she is an avid oat milk lover.
• 6:50
  Speaker 3: And we all know, as we've spoken about many times
• 6:53
  Speaker 3: on the podcast, oat milk is spenno. For those who
• 6:56
  Speaker 3: don't know what that means, it means expensive in my language.
• 6:59
  Speaker 3: So instead of spending five dollars, she's made it. She's
• 7:03
  Speaker 3: made it herself. She's actually included the recipe there as well,
• 7:06
  Speaker 3: but she's written that it costs forty five cents for
• 7:08
  Speaker 3: approximately seven hundred and fifty meals amazing savings of heaps.
• 7:14
  Speaker 3: I can't do the mask heep heeps saving.
• 7:16
  Speaker 2: According to Georgia, George's created her own language. It is
• 7:20
  Speaker 2: apparently usually Speno, and normally it's not. But in saying
• 7:25
  Speaker 2: that another oat milk money win, Georgia, we should have had.
• 7:28
  Speaker 2: This is one of our money wins, because I know
• 7:30
  Speaker 2: you know what I'm talking about. You guys know I'm
• 7:33
  Speaker 2: obsessed with oatmeal to the point where this is nearly
• 7:36
  Speaker 2: embarrassing and I'm going to have to ban myself from
• 7:38
  Speaker 2: talking about it on the podcast. But our friends at
• 7:40
  Speaker 2: Minor Figures actually reached out to us this week and
• 7:43
  Speaker 2: they were kind of like, hey, guys, why are you
• 7:44
  Speaker 2: so obsessed with me? And sending us a little bit
• 7:48
  Speaker 2: of a gift. And I'm assuming that is going to
• 7:50
  Speaker 2: be some oatmealk colatees or something given we have been
• 7:54
  Speaker 2: talking about that. But Georgia and I are so looking
• 7:56
  Speaker 2: forward to that and so excited. But also this week
• 8:00
  Speaker 2: I had another money win which I totally could have used.
• 8:03
  Speaker 2: Their oat milk is fifty percent off, so you can
• 8:06
  Speaker 2: get your oat milk for a total of two dollars
• 8:08
  Speaker 2: forty five. My favorite oat milk, guys, get on it.
• 8:13
  Speaker 2: This is not sponsored, it's just that we're obsessed with them.
• 8:17
  Speaker 1: We are.
• 8:17
  Speaker 3: But you know what is really sad about this is
• 8:19
  Speaker 3: that this episode drops on a Wednesday, and because I'm
• 8:22
  Speaker 3: a savvy girl, I know that the new catalog ticks
• 8:24
  Speaker 3: over on the Wednesday, so that sale will no longer reply.
• 8:27
  Speaker 1: So sorry to broacharts.
• 8:29
  Speaker 2: Just keep going real, all right, thank you for that.
• 8:32
  Speaker 2: It's going to go back to being Spino.
• 8:35
  Speaker 1: Sorry, guys.
• 8:36
  Speaker 3: All right, well, now let's rip into the main topic
• 8:39
  Speaker 3: of today's show.
• 8:40
  Speaker 2: I think that's a good idea, honestly, let's keep moving on.
• 8:43
  Speaker 3: So today is all about the money saving hacks we
• 8:46
  Speaker 3: swear by that'll help get you on top of your
• 8:48
  Speaker 3: finances for good. Now, there is a lot of information
• 8:51
  Speaker 3: out there when it comes to money saving hacks, and
• 8:54
  Speaker 3: everyone has tricks that work for them. But today we
• 8:56
  Speaker 3: thought it would be amazing to list some tips from
• 8:59
  Speaker 3: our lord. And see, I'm joking from a pro.
• 9:02
  Speaker 4: Can you just stop? It's getting weird?
• 9:05
  Speaker 3: Shot that one Victoria Before we do count down our
• 9:09
  Speaker 3: top six hacks, we've condensed it down to. I was
• 9:11
  Speaker 3: hoping you could briefly talk to me a little bit
• 9:14
  Speaker 3: about the psychology of saving and explain to me and
• 9:17
  Speaker 3: to everyone listening why some people are naturally really really
• 9:20
  Speaker 3: good at saving and why others maybe are not sure.
• 9:23
  Speaker 2: All right, I am so excited for this topic, and
• 9:25
  Speaker 2: you guys ask for it all the time. I know
• 9:28
  Speaker 2: that I get messages to the Facebook group, I get
• 9:31
  Speaker 2: messages to our Instagram, I get messages on my personal
• 9:34
  Speaker 2: Instagram of you guys being like, Hey, Victoria, I just
• 9:36
  Speaker 2: want to know how can I save a bit more?
• 9:38
  Speaker 2: Or Hey Victoria, I earn x like what should I
• 9:40
  Speaker 2: be saving? And I know that this is such a
• 9:43
  Speaker 2: good topic, and I'm really glad that we are talking
• 9:45
  Speaker 2: about it with Georgia King as well. Guys, she's actually
• 9:49
  Speaker 2: a really savvy little savor because I'm a bit pervy
• 9:51
  Speaker 2: and a vast watson a savings account before. So I'm
• 9:55
  Speaker 2: excited for this because Georgia has actually a lot of
• 9:58
  Speaker 2: knowledge to share on this because she's a little savvy
• 10:00
  Speaker 2: saveror but in saying that savings at the end of
• 10:04
  Speaker 2: the day is all about delayed gratification rather than instant gratification,
• 10:08
  Speaker 2: which guys, in the age of after pay, is what
• 10:11
  Speaker 2: seems to be the new normal. Guys, there is a
• 10:13
  Speaker 2: psych practice and I don't know if you've seen this before,
• 10:16
  Speaker 2: but if you haven't, YouTube the marshmallow Experiment, and it's
• 10:20
  Speaker 2: all about these little kids who get told, all right,
• 10:24
  Speaker 2: I'm gonna leave the room. I'm putting this marshmallow on
• 10:26
  Speaker 2: a plate in front of you. Don't eat it, because
• 10:28
  Speaker 2: if you don't eat it, I'll give you three more
• 10:30
  Speaker 2: marshmallows when I come back. And you can just see
• 10:33
  Speaker 2: it is hardwired. And some kids to go, yeah, great,
• 10:36
  Speaker 2: I'd love three marshmallows when they come back.
• 10:38
  Speaker 4: I'm not gonna eat that. I'll wait.
• 10:39
  Speaker 2: There are some kids who just go hack, I don't
• 10:41
  Speaker 2: care about those three marshmallows. I'm going to stuff that
• 10:44
  Speaker 2: first one in my mouth. And then there are those
• 10:47
  Speaker 2: kids that I think this is me. They just like
• 10:49
  Speaker 2: stare longingly at the marshmallow. They pick it up and
• 10:52
  Speaker 2: they sniff it, and they kind of look at it
• 10:53
  Speaker 2: and they go, oh, that's that's a good marshmallow. They
• 10:56
  Speaker 2: might wick it and put it back down because they
• 10:59
  Speaker 2: can see the benefit of waiting for the long term,
• 11:02
  Speaker 2: but they also are just feeling really like they want
• 11:05
  Speaker 2: it right now. And I think that that, for me,
• 11:08
  Speaker 2: is a really good example of instant gratification versus delayed gratification,
• 11:13
  Speaker 2: because we all know that if we don't buy something
• 11:16
  Speaker 2: right now, we'll be able to save. It's not a secret.
• 11:20
  Speaker 2: Savings is not magic. Savings is not something kind of
• 11:23
  Speaker 2: magical that you know, I don't know how to do it,
• 11:26
  Speaker 2: Like deep down, we all know what we need to
• 11:29
  Speaker 2: do to save. It just doesn't mean it happens like
• 11:32
  Speaker 2: some people are going to naturally be better at savings,
• 11:35
  Speaker 2: which is some people are going to naturally be better
• 11:39
  Speaker 2: at saving, which is more often than not a reflection
• 11:42
  Speaker 2: of their money story and just the way they grew
• 11:43
  Speaker 2: up and their you know, baseline personality.
• 11:46
  Speaker 4: Like let's be honest.
• 11:47
  Speaker 2: And that's why I wanted to talk about the Marshmallow
• 11:49
  Speaker 2: experiment because it's ingrained in us, Like some of us
• 11:53
  Speaker 2: understand long term gratification on a deeper level than others.
• 11:58
  Speaker 2: And it's not about intelligency. It's not about whether you
• 12:01
  Speaker 2: know or not. It is something that is ingrained in us.
• 12:04
  Speaker 2: Some of us just are better at savings than others.
• 12:07
  Speaker 2: But that does not mean that you can't get good
• 12:09
  Speaker 2: at savings. It just means you need different tools in
• 12:12
  Speaker 2: resources than someone else might have and That's why I
• 12:15
  Speaker 2: brought up at the start of this conversation as well,
• 12:18
  Speaker 2: got Georgia the little savvy saver, because she's really good
• 12:21
  Speaker 2: at savings, whereas someone like me, I'm being brutally honest,
• 12:25
  Speaker 2: I've always struggled to put money away because I love
• 12:27
  Speaker 2: a good bit of instant gratification. So I need a
• 12:30
  Speaker 2: lot more structure than you, Georgia. I need to have,
• 12:33
  Speaker 2: you know, savings hacks in place. I really need to
• 12:36
  Speaker 2: have a really good cash flow set up so that
• 12:39
  Speaker 2: I know how much I should be saving and I
• 12:41
  Speaker 2: can put a plan in place. Whereas I know someone
• 12:43
  Speaker 2: like you, you just instantly put more money away than
• 12:46
  Speaker 2: you spend, and I wish I was more like you,
• 12:48
  Speaker 2: but it just doesn't happen, and we need to be
• 12:50
  Speaker 2: honest with ourselves.
• 12:51
  Speaker 3: You're right for me, it is something that just comes
• 12:53
  Speaker 3: really naturally, and you know, not to toot my own horn.
• 12:56
  Speaker 3: I have a lot of other flaws, and I'm definitely
• 12:58
  Speaker 3: not an expert at as we've all learned from listening
• 13:01
  Speaker 3: to this podcast. In preparation for this episode, I did
• 13:04
  Speaker 3: go back and listen to the Psychology of Saving ep
• 13:07
  Speaker 3: that you did with Annabelle in season one, which was
• 13:10
  Speaker 3: an amazing e F and I would really recommend it
• 13:13
  Speaker 3: in union with this episode.
• 13:14
  Speaker 2: I guess absolutely go back and listen to it. I
• 13:16
  Speaker 2: think it was a really good chat. But it was
• 13:18
  Speaker 2: also something that we spoke about the psychology of savings,
• 13:22
  Speaker 2: and we talked about learned helplessness, and we talked about
• 13:24
  Speaker 2: a lot of different concepts, but we didn't tell.
• 13:26
  Speaker 4: You how to save.
• 13:27
  Speaker 2: And that's what the eep's about, right, Georgia.
• 13:29
  Speaker 3: And you did just mention what I wanted to ask you,
• 13:31
  Speaker 3: which was about learned helplessness helplessness, rather, can you explain
• 13:36
  Speaker 3: that a little bit more to those who might not
• 13:38
  Speaker 3: have heard that episode or really understand what that concept
• 13:40
  Speaker 3: really means.
• 13:41
  Speaker 2: So, learned helplessness is a state that occurs after a
• 13:44
  Speaker 2: person has experienced a stressful situation repeatedly, Essentially, Georgia, They've
• 13:49
  Speaker 2: come to believe that they are completely unable to control
• 13:52
  Speaker 2: or change their situation, so they stopped trying even when
• 13:55
  Speaker 2: the opportunity for change becomes available. And this could be
• 13:59
  Speaker 2: around million, millions of things. It could be a relationship,
• 14:03
  Speaker 2: it could be your career. It could be that you
• 14:05
  Speaker 2: think you can't cook, It could be savings, and I
• 14:09
  Speaker 2: think that that's the most important part here. So many
• 14:12
  Speaker 2: of us will put ourselves in the basket Georgia and
• 14:14
  Speaker 2: just go, well, I can't save. I'm really bad at savings,
• 14:17
  Speaker 2: or I'm really bad at X, or I'm really bad
• 14:19
  Speaker 2: at why.
• 14:20
  Speaker 4: So I just don't do it.
• 14:21
  Speaker 2: I'm not going to try, And for me, that's a
• 14:23
  Speaker 2: really limiting belief learned. Helplessness is that state where you
• 14:28
  Speaker 2: have experienced negatives so many times that you now just say, well,
• 14:32
  Speaker 2: I can't do it. And that could be through a
• 14:34
  Speaker 2: multitude of different reasons, and the biggest one is because
• 14:38
  Speaker 2: you weren't set up for success in the first place.
• 14:40
  Speaker 2: And you know, we've seen this in money diarists. Looking
• 14:44
  Speaker 2: back on you know, podcast seasons. I remember one specifically.
• 14:47
  Speaker 2: I can't remember her entire situation, but essentially she said
• 14:51
  Speaker 2: on the podcast in her money Diary, Victoria, I really
• 14:54
  Speaker 2: want to save ten thousand dollars. And then she had
• 14:57
  Speaker 2: in visi line treatments and she had a whole heap
• 14:59
  Speaker 2: of other stuff. And then at the end of the
• 15:01
  Speaker 2: episode we learned that she earned forty thousand dollars a year,
• 15:04
  Speaker 2: which meant that she was never actually going to be
• 15:06
  Speaker 2: in a situation where she could feasibly save ten thousand dollars,
• 15:11
  Speaker 2: and to me, she was setting herself up for failure.
• 15:14
  Speaker 2: And I called that out at the time, and I
• 15:16
  Speaker 2: just think it's worthy of mentioning here because we might
• 15:19
  Speaker 2: all have really great goals, like I could write down, Georgia,
• 15:23
  Speaker 2: I want to save ten grand this year, but that
• 15:25
  Speaker 2: actually means that you have to have ten thousand dollars
• 15:28
  Speaker 2: available in your surplus cash flow to be able to
• 15:32
  Speaker 2: spend or save. And if you don't have that, that
• 15:35
  Speaker 2: was never going to happen. And I know that that
• 15:37
  Speaker 2: sounds really disheartening, but at the end of the day,
• 15:40
  Speaker 2: if you want to be saving ten thousand dollars in
• 15:42
  Speaker 2: a year, you've got to have an extra eight hundred
• 15:45
  Speaker 2: and thirty three dollars is ish per month to put
• 15:48
  Speaker 2: aside so that you can actually achieve that goal. And
• 15:51
  Speaker 2: if you don't have that, I'm really sorry, but it's
• 15:53
  Speaker 2: not going to happen. So for me, budget and cash
• 15:56
  Speaker 2: flow is insanely important here so that you can under
• 16:00
  Speaker 2: stand what's going on, because at the end of the day,
• 16:02
  Speaker 2: if you set a goal that is unachievable, that is
• 16:04
  Speaker 2: the easiest way to fall off the track, become disheartened,
• 16:08
  Speaker 2: think that you're terrible at it no matter how hard
• 16:11
  Speaker 2: you're trying. You might be in a position where you
• 16:14
  Speaker 2: save every single dollar that's coming into your account, but
• 16:17
  Speaker 2: what if you only had five thousand dollars coming into
• 16:19
  Speaker 2: your account. You've set a stupid goal that you know
• 16:22
  Speaker 2: it's not a stupid goal, but it's a goal that
• 16:24
  Speaker 2: is stupid because it's going to make you upset, and
• 16:26
  Speaker 2: it's going to hurt you, and it's going to make
• 16:27
  Speaker 2: you feel like you are helpless. And that is what learned.
• 16:31
  Speaker 2: Helplessness is. It's a state that happens after you experience stress,
• 16:35
  Speaker 2: or you experience are let down, or you see a
• 16:38
  Speaker 2: negative thing happening to you. You just put yourself in
• 16:41
  Speaker 2: a position where you just go cool, well, I'm never
• 16:43
  Speaker 2: able to achieve that instead of putting in place a
• 16:46
  Speaker 2: plan that actually works. And that's why I want to
• 16:49
  Speaker 2: talk about it now. Well that's why you've brought it up.
• 16:52
  Speaker 2: I am assuming because we have the opportunity for change.
• 16:55
  Speaker 2: We can be good at anything we put our minds to.
• 16:58
  Speaker 2: We just need to create a plan to do that.
• 17:01
  Speaker 2: And that's what this episode is about.
• 17:03
  Speaker 3: So say someone comes to you they're in a graduate role,
• 17:05
  Speaker 3: and they're like, Eh, I'm not gonna save. I can't save.
• 17:08
  Speaker 3: I'm earning fifty k a year. I could never save
• 17:11
  Speaker 3: on that way, it's barely enough for me to live with. Like, nah,
• 17:15
  Speaker 3: what would you say to that? Sorry for doing a
• 17:16
  Speaker 3: little scream there.
• 17:17
  Speaker 1: I don't know what that way.
• 17:17
  Speaker 4: I like the little lad that you added in them.
• 17:20
  Speaker 2: Sorry, if you're walking on your you know, Wednesday morning
• 17:23
  Speaker 2: and you've got Georgia King and Victoria, if I'm literally
• 17:25
  Speaker 2: yelling in your ears, I think that it is really
• 17:28
  Speaker 2: important to set good habits up front. So I know
• 17:32
  Speaker 2: for some levels of income it's really hard to save. Like,
• 17:35
  Speaker 2: please do not get me wrong, I don't want you
• 17:37
  Speaker 2: to feel disheartened listening to this episode. If you're like,
• 17:40
  Speaker 2: but Victoria, Like, I've just done my budget and it
• 17:42
  Speaker 2: says I can say four dollars or Victoria, it says
• 17:45
  Speaker 2: I'm actually spending more than I'm earning. Like, girl, I
• 17:48
  Speaker 2: get you, and I get this, and it makes so
• 17:51
  Speaker 2: much sense that that's your situation. But you are in
• 17:54
  Speaker 2: a situation where now you know that and you can
• 17:57
  Speaker 2: either change it or you can work with it. But
• 17:59
  Speaker 2: we can't stick our heads in the sand and pretend
• 18:02
  Speaker 2: it's not happening. So for me, it's okay. If you're
• 18:05
  Speaker 2: not saving like it is so fine. But what I
• 18:08
  Speaker 2: want you to be on top of is your budget
• 18:10
  Speaker 2: and your cash flow so that.
• 18:11
  Speaker 4: You can be empowered. So if you are young, well you.
• 18:16
  Speaker 2: Have a low income, it is not about how much
• 18:19
  Speaker 2: you can save. It's about the plan that you create
• 18:22
  Speaker 2: to put yourself in a position of success. So it's
• 18:25
  Speaker 2: about putting together a budget, understanding you know where your
• 18:29
  Speaker 2: money goes, what comes in each month, what needs to
• 18:32
  Speaker 2: go out each month, what you need to allocate for
• 18:34
  Speaker 2: future bills, what you're spending on your personal spending, if
• 18:38
  Speaker 2: you have any debt, what those repayments look like. But
• 18:41
  Speaker 2: then also saying well do I have anything left over?
• 18:44
  Speaker 2: And if you can get that right from the very beginning,
• 18:47
  Speaker 2: even if you're saving let's call it one hundred dollars
• 18:50
  Speaker 2: a month, that is incredible because when your income increases,
• 18:55
  Speaker 2: all of that additional income that you start earning is
• 18:58
  Speaker 2: able to go straight to saving instead of experiencing lifestyle
• 19:02
  Speaker 2: creep or spending more money on things that you hadn't
• 19:05
  Speaker 2: allocated or on in line with your values and goals.
• 19:09
  Speaker 2: So for me, it's about really outlining what you want
• 19:12
  Speaker 2: to achieve and knowing that this stuff can't happen overnight.
• 19:15
  Speaker 2: Like I wish savings were magical. Anybody who has a
• 19:19
  Speaker 2: large amount of savings in their bank account right now
• 19:22
  Speaker 2: will tell you that didn't happen overnight. It's something that
• 19:25
  Speaker 2: they have chipped away at and they see compounding over
• 19:28
  Speaker 2: time and then they're like, wow, it's one thousand dollars,
• 19:30
  Speaker 2: and then it's three thousand dollars, and then it's ten
• 19:32
  Speaker 2: thousand dollars and they're like, wait, this feels like it
• 19:34
  Speaker 2: came out of nowhere. But at the end of the day,
• 19:37
  Speaker 2: savings takes sacrifice and we need to be aware of that.
• 19:40
  Speaker 3: I reckon, we can probably get to our hacks now.
• 19:44
  Speaker 1: Would you like to reveal the first tack? Even though
• 19:47
  Speaker 1: I kind of spoiled it before.
• 19:48
  Speaker 2: Our first tack is having smaller savings goals rather than huge,
• 19:52
  Speaker 2: unattainable ones. And you know I've said it before. I
• 19:56
  Speaker 2: often see people who come and see me and say, Victoria,
• 19:59
  Speaker 2: I want to save twenty thousand dollars this year, but
• 20:01
  Speaker 2: I work part time and I earn forty thousand dollars,
• 20:04
  Speaker 2: that's a goal that you're just not going to reach.
• 20:06
  Speaker 2: And I hate to be the bearer of bad news here,
• 20:09
  Speaker 2: And this isn't to make you feel flat, and I
• 20:10
  Speaker 2: don't want you to feel deflated, But if that is
• 20:13
  Speaker 2: your goal, it is not going to happen. So for me,
• 20:15
  Speaker 2: unless you actually have forty grand coming in, you live
• 20:18
  Speaker 2: at home and you have the ability to do that, great,
• 20:21
  Speaker 2: but that is going to make you feel deflated and
• 20:24
  Speaker 2: discourage you, and you are less likely to want to
• 20:27
  Speaker 2: continue on a positive financial journey if you.
• 20:30
  Speaker 4: Set yourself a goal.
• 20:31
  Speaker 2: So what we want to do is have micro goals
• 20:34
  Speaker 2: and aim to put away a really realistic amount each month.
• 20:37
  Speaker 4: Then it is so much easier.
• 20:39
  Speaker 2: For us to tick off our achievements and see the
• 20:41
  Speaker 2: goals that we are meeting, which, honestly, Georgia is so
• 20:44
  Speaker 2: much more sustainable than just pulling some figure out of
• 20:47
  Speaker 2: the air that you think sounds sexy that you want
• 20:49
  Speaker 2: to achieve within a year without any roadmap on how
• 20:52
  Speaker 2: you're actually going to achieve that goal. So for me,
• 20:55
  Speaker 2: it's often about working backwards. You want to save ten
• 20:59
  Speaker 2: thousand dollars this year, you're fantastic. Your monthly goal is
• 21:02
  Speaker 2: eight hundred and thirty three dollars and thirty three cents, Like,
• 21:06
  Speaker 2: let's be specific, and if that is too big and
• 21:09
  Speaker 2: you go Victoria, I want to break it down even more. Fantastic.
• 21:13
  Speaker 2: Weekly you have to save one hundred and ninety two dollars.
• 21:16
  Speaker 2: If you can do that, you're going to have ten
• 21:19
  Speaker 2: thousand dollars by the end of the year. So for me,
• 21:21
  Speaker 2: it's about breaking goals down into more manageable pieces, and
• 21:26
  Speaker 2: if a goal feels unachievable or too big or too overwhelming,
• 21:31
  Speaker 2: break it down even more. I don't care what that is,
• 21:34
  Speaker 2: even if you are breaking it down to the day.
• 21:36
  Speaker 3: This reminds me of that classic metaphor of that you
• 21:40
  Speaker 3: can't eat an elephant in one bite, Victoria. If you're
• 21:42
  Speaker 3: gonna eat an elephant, you got to you gotta cut
• 21:45
  Speaker 3: it up, you gotta have it in little bytes. And
• 21:47
  Speaker 3: that is kind of an analogy for how saving goals works.
• 21:51
  Speaker 1: Am I right?
• 21:51
  Speaker 2: I'm not gonna lie. I've never heard that analogy, nor
• 21:55
  Speaker 2: do I.
• 21:55
  Speaker 4: Want to eat an elephant.
• 21:57
  Speaker 2: But if you say it's a thing, I believe you,
• 22:00
  Speaker 2: and it makes a lot of sense. There's no way,
• 22:02
  Speaker 2: even if I wanted to eat a elephant, that I
• 22:06
  Speaker 2: could do it in one bite.
• 22:08
  Speaker 1: No, absolutely, not all.
• 22:09
  Speaker 2: Right, Georgia on that, I'm not sure I love elephants
• 22:12
  Speaker 2: enough to eat them, although I love them as animals.
• 22:15
  Speaker 2: Let's move on to hack number two. So hack number
• 22:17
  Speaker 2: two is cut down on your non essential spending. So
• 22:21
  Speaker 2: I need you, guys, to be making a conscious effort
• 22:24
  Speaker 2: to identify where you are spending your money on non
• 22:27
  Speaker 2: essential items and see if you can cut that down
• 22:30
  Speaker 2: and put that surplus money into savings. So if you
• 22:34
  Speaker 2: find yourself going out to dinner with girlfriends and not
• 22:36
  Speaker 2: me at the moment, covid life on the weekend more
• 22:39
  Speaker 2: often than not, because that's just what you've gotten into
• 22:42
  Speaker 2: the pattern of doing, why not suggest a dinner at
• 22:45
  Speaker 2: home where everyone brings a plate. Save some money that way,
• 22:48
  Speaker 2: and talk to your friends about it. I know that
• 22:50
  Speaker 2: talking about money can be overwhelming, but I guarantee you
• 22:53
  Speaker 2: if you said to your friends, hey, guys, we usually
• 22:55
  Speaker 2: spend fifty bucks every time we go out on meals,
• 22:58
  Speaker 2: and then we go out for a drink rose and
• 23:01
  Speaker 2: we spend another you know, fifteen dollars ahead how about
• 23:03
  Speaker 2: we put that money aside, we all bring a plate,
• 23:06
  Speaker 2: we save that money. I wouldn't be mad if I
• 23:09
  Speaker 2: had an extra fifty bucks in my savings account because
• 23:11
  Speaker 2: one of my girlfriends came over for dinner. Winner, honest winner.
• 23:14
  Speaker 2: But you can also still go out for dinner, but
• 23:17
  Speaker 2: I think it's really important to then think about how
• 23:19
  Speaker 2: you can cut that down. Can you just order one
• 23:22
  Speaker 2: glass of rose instead of two, or maybe don't get dessert,
• 23:25
  Speaker 2: or opt for the meal that is closer to twenty
• 23:27
  Speaker 2: dollars than thirty dollars. And a really good way of
• 23:29
  Speaker 2: doing this is having a look at the vegetarian options
• 23:31
  Speaker 2: on the menu list. Obviously not why I don't eat meat,
• 23:35
  Speaker 2: but I often find that the vegetarian options are far
• 23:39
  Speaker 2: cheaper than the meat paste options. It's all those little
• 23:42
  Speaker 2: things that can really make a massive difference without causing
• 23:45
  Speaker 2: a dramatic change in your lifestyle.
• 23:47
  Speaker 4: Georgia.
• 23:47
  Speaker 2: Another one of these which I don't abide by personally,
• 23:50
  Speaker 2: but I think it's a hack nonetheless, is having your
• 23:53
  Speaker 2: coffee at home. So not the most exciting hack. We've
• 23:56
  Speaker 2: all heard it before, making your coffee at home or
• 23:59
  Speaker 2: two she's sing a cup from seven to eleven, which is.
• 24:01
  Speaker 4: A dollar per cup. By the way, guys, rather.
• 24:04
  Speaker 2: Than paying five or six dollars a day goes a
• 24:07
  Speaker 2: very very long way for something that often seems quite insignificant.
• 24:11
  Speaker 2: Even if you just cut back to buying a five
• 24:13
  Speaker 2: dollar latte out three times per week instead of five,
• 24:16
  Speaker 2: that's an annual saving of five hundred and twenty dollars
• 24:19
  Speaker 2: which you can put towards something totally more meaningful to
• 24:22
  Speaker 2: you if you aren't into instant coffee, which, let's be honest, Georgia,
• 24:26
  Speaker 2: I know we are both Melbourne coffee snobs and they're
• 24:29
  Speaker 2: probably yelling at us right now and going like, I'm
• 24:31
  Speaker 2: not doing that. That's cool, but you can pick up
• 24:34
  Speaker 2: some decent coffee machines for a really good price online.
• 24:36
  Speaker 2: You can also buy one or Marketplace or Georgia more recently.
• 24:41
  Speaker 2: This is an absolute hack. I was on a podcast
• 24:43
  Speaker 2: recently with Phoebe Parsons from Diary of a train Wreck,
• 24:47
  Speaker 2: which was totally fun, really interesting conversation, purely because I
• 24:52
  Speaker 2: was having a really good time and she was a
• 24:53
  Speaker 2: delightful person to talk to. She introduced me to the
• 24:56
  Speaker 2: new line of Nest Cafe instant coffees and they do
• 25:00
  Speaker 2: an almond an oat and a coconut latte in sachets,
• 25:04
  Speaker 2: and I was really skeptical when she told me, being honest,
• 25:07
  Speaker 2: they are completely dairy free. So if you're an oatmelklover
• 25:10
  Speaker 2: like me, fantastic option. I tried them.
• 25:13
  Speaker 4: Out money win.
• 25:14
  Speaker 2: It didn't taste terrible. I honestly assumed that it would
• 25:18
  Speaker 2: taste SoC sugary and I didn't take sugar in any
• 25:21
  Speaker 2: of my coffee, so I was like, oh, this might
• 25:23
  Speaker 2: not be great. Great fantastic oat milk latte for the
• 25:27
  Speaker 2: price of well, I think I got like six in
• 25:29
  Speaker 2: a box for the price of one coffee. Win.
• 25:31
  Speaker 4: A winner, that is.
• 25:32
  Speaker 1: A winner win. That could have been your money winter.
• 25:34
  Speaker 2: That could have been a money win. But I completely
• 25:35
  Speaker 2: forgot that I did that and it wasn't mine. Phoebe
• 25:38
  Speaker 2: told me about it, and then I went to Cohl's
• 25:40
  Speaker 2: and look, I didn't even need to spend it.
• 25:42
  Speaker 4: I had extra coffee that day.
• 25:43
  Speaker 2: Not a money win, but definitely in the long term,
• 25:45
  Speaker 2: a great option to have in the pantry.
• 25:47
  Speaker 3: And I love that oat milk gets another shout out
• 25:50
  Speaker 3: there on the podcast.
• 25:51
  Speaker 2: We are actually gonna change the name of this podcast
• 25:55
  Speaker 2: to she's on the oatmeal something in that. Yeah, I
• 25:57
  Speaker 2: think it's a great idea.
• 25:58
  Speaker 1: Yeah, it could be a little side project.
• 25:59
  Speaker 2: All right, Roger King, I want to hear some hacks
• 26:01
  Speaker 2: from you. What is our third hack this podcast?
• 26:04
  Speaker 1: Alrighty?
• 26:05
  Speaker 3: So hack number three is to be a more conscious consumer.
• 26:09
  Speaker 2: So this kind of that sounds like a nice thing
• 26:11
  Speaker 2: to do for everybody.
• 26:13
  Speaker 1: Splits into two kind of subject areas, I guess you
• 26:16
  Speaker 1: could say.
• 26:17
  Speaker 5: So.
• 26:17
  Speaker 3: The first one is what Victoria always preaches, and that
• 26:20
  Speaker 3: is putting time between you and your purchases. So instead
• 26:24
  Speaker 3: of just adding stuff to your cart and buying straight away,
• 26:27
  Speaker 3: pop it in your cart, wait twenty four hours, wait
• 26:30
  Speaker 3: five days, wait a month, and see if you still
• 26:32
  Speaker 3: really want that product or shirt or dress, whatever it
• 26:35
  Speaker 3: may be.
• 26:36
  Speaker 1: Treat yourself.
• 26:37
  Speaker 3: But if you like more often than not, you're just
• 26:40
  Speaker 3: not gonna want it. That's what I find in my
• 26:42
  Speaker 3: life anyway. The other subject area is sustainability, and we
• 26:47
  Speaker 3: spoke about this at length in our Fast Fashion episode.
• 26:51
  Speaker 2: I loved that episode, by the way, I thought that
• 26:53
  Speaker 2: was so fun. We need to do more fashion episodes
• 26:56
  Speaker 2: and like beauty episodes and talk about things that we
• 26:59
  Speaker 2: actually spend more on. And how we can be more
• 27:01
  Speaker 2: conscious around those.
• 27:02
  Speaker 1: Things one hundred percent.
• 27:03
  Speaker 3: And the main things that came out of that conversation
• 27:06
  Speaker 3: were to shop for pieces that will last you longer
• 27:10
  Speaker 3: than a season or a week. I think in that
• 27:12
  Speaker 3: chat we uncovered that most fast fashion items you wear
• 27:17
  Speaker 3: a number of seven times and then they get thrown out.
• 27:20
  Speaker 2: Yes. It was like you wear it for a week
• 27:22
  Speaker 2: and then you.
• 27:22
  Speaker 3: Put it yeah, And it was ridiculous, And there were
• 27:24
  Speaker 3: so many starts in there about how bad fast fashion
• 27:27
  Speaker 3: is for the environment.
• 27:28
  Speaker 1: So go back, have a listen if you haven't.
• 27:30
  Speaker 3: The other really good thing that kind of ties into
• 27:32
  Speaker 3: this is to delete shopping apps like Asos, the Iconic, etc.
• 27:37
  Speaker 3: So get them off your phone and then it's just
• 27:39
  Speaker 3: out of sight, out of mind.
• 27:40
  Speaker 1: If you can't see it, you don't want it.
• 27:42
  Speaker 3: So I think that's been really helpful for me as well,
• 27:44
  Speaker 3: and I'd really recommend that one as a little hack.
• 27:46
  Speaker 2: I love that, and I think it's really important, Like
• 27:48
  Speaker 2: if it's out of sight, it is often out of mind.
• 27:51
  Speaker 2: And I know that that seems like a really silly tip.
• 27:54
  Speaker 2: It's like, oh, just delete it. You're like, well, maybe
• 27:57
  Speaker 2: I'll still spend it it's like no, because you'll forget
• 27:59
  Speaker 2: to go and chat can you go. There'll be a
• 28:01
  Speaker 2: couple of times, I promise where you open your phone
• 28:03
  Speaker 2: and you're about to hit the asource app, then it's
• 28:06
  Speaker 2: not there, and you remember that you wanted to spend less,
• 28:08
  Speaker 2: and then you stop looking for that app and it
• 28:11
  Speaker 2: becomes a habit.
• 28:12
  Speaker 4: And Georgia.
• 28:13
  Speaker 2: Last week we had one of our self care We're
• 28:15
  Speaker 2: binars with our friend and psychologist Brianna, and she was
• 28:19
  Speaker 2: saying on this webinar that it only takes twenty one
• 28:22
  Speaker 2: days to form a brand new habit. And I always
• 28:24
  Speaker 2: thought that was just a saying, but it turns out
• 28:27
  Speaker 2: there's a heap of research behind it. So do something
• 28:30
  Speaker 2: for twenty one days, maybe delete all shopping apps from
• 28:33
  Speaker 2: your phone for twenty one days and give yourself a
• 28:35
  Speaker 2: little bit of a challenge. You can create a new
• 28:37
  Speaker 2: habit fantastic.
• 28:39
  Speaker 3: The same with Instagram as well. I had a little
• 28:41
  Speaker 3: spell off Instagram for a few months and it was huge.
• 28:45
  Speaker 3: I just didn't want anything because I wasn't seeing the
• 28:46
  Speaker 3: influencers spooking the brands, and I just didn't really know
• 28:50
  Speaker 3: what I wanted. So mainly I've been wearing a tracksuit
• 28:53
  Speaker 3: for the last six months, so looking.
• 28:55
  Speaker 1: Good, but you know, saving thank you.
• 28:57
  Speaker 2: Yeah, yeah, all right, let's get into our next hack,
• 29:01
  Speaker 2: and this fourth hack is meal planning. And I love
• 29:05
  Speaker 2: talking about meal planning, but meal plan as much as
• 29:09
  Speaker 2: you can to reduce the temptation to order things from
• 29:11
  Speaker 2: Uber eats, like I am really good at, or grab
• 29:14
  Speaker 2: expensive takeaway options. I also find that often if I
• 29:18
  Speaker 2: haven't planned a meal, I'm very likely to go, you
• 29:21
  Speaker 2: know what, I'm going to be really quote good and
• 29:23
  Speaker 2: not go get Uber eats or take a takeaway, But
• 29:26
  Speaker 2: I end up going to the supermarket and being more
• 29:29
  Speaker 2: impulsive and ending up spending more at the supermarket. Like
• 29:33
  Speaker 2: I'll go and go to get dinner for two people,
• 29:35
  Speaker 2: and I'll walk out with a fifty dollars grocery bill
• 29:38
  Speaker 2: and I'll be like, how did that even happen? I
• 29:40
  Speaker 2: was just meant to get dinner for tonight. So for me,
• 29:43
  Speaker 2: the more you plan, the more you're going to save.
• 29:45
  Speaker 2: And you'd honestly be so surprised at how much you
• 29:48
  Speaker 2: can save. Say, for example, if you're eating Uber eats
• 29:51
  Speaker 2: twice a week just yourself, that's probably sixty dollars at
• 29:55
  Speaker 2: least including delivery and times that by fifty two. For
• 29:58
  Speaker 2: every week of the year, that's three thousand, one hundred
• 30:02
  Speaker 2: and twenty dollars that you've spent over the year when
• 30:04
  Speaker 2: you could have just been a little bit more organized
• 30:06
  Speaker 2: and instead planned for meals that are a little bit
• 30:09
  Speaker 2: more affordable. So for me, that's a massive saving. But
• 30:13
  Speaker 2: what I want you to do for every time you
• 30:16
  Speaker 2: say no to Uber eats or a coffee, I want
• 30:18
  Speaker 2: you to take that money that you were going to
• 30:21
  Speaker 2: spend and transfer that straight into your savings account. Because
• 30:25
  Speaker 2: at the end of the day, if you are leaving
• 30:27
  Speaker 2: your savings that you have saved from not having Uber
• 30:30
  Speaker 2: eats and not putting it to good work, it's a
• 30:34
  Speaker 2: waste because you'll see it in your spending account and
• 30:36
  Speaker 2: you'll just spend it on something else. So we want
• 30:39
  Speaker 2: to take it out of that situation and put it
• 30:41
  Speaker 2: in a place where we can actually save it. If
• 30:43
  Speaker 2: you're saving sixty dollars, you know, every single week, that's
• 30:48
  Speaker 2: three thousand dollars.
• 30:49
  Speaker 4: Georgia, that's a holiday.
• 30:50
  Speaker 2: Do you want Uber eats twice a week or do
• 30:52
  Speaker 2: you want to go on an extra holiday each year
• 30:54
  Speaker 2: like which would you like, obviously I want you to
• 30:57
  Speaker 2: be investing that in your future financial freedom, but to
• 31:00
  Speaker 2: be honest, like, we can actually create a life that.
• 31:03
  Speaker 4: We really want when we put our head to.
• 31:06
  Speaker 2: It, if that makes sense. So I think that's really important.
• 31:09
  Speaker 2: The second thing here is work out what reasonable and
• 31:13
  Speaker 2: affordable swaps you can make. And Georgia, I know you
• 31:16
  Speaker 2: love Audi cheese. Wow, And yeah, surprise, guys, George's obsessed
• 31:22
  Speaker 2: with Audi cheese. No, but honestly, George's obsessed with Audi cheese.
• 31:26
  Speaker 2: And I think that I was so surprised with Audi
• 31:29
  Speaker 2: and the amount of things I could swap. It's probably
• 31:32
  Speaker 2: been really good because an Audi has actually opened up
• 31:34
  Speaker 2: in my suburb in the last I think six months,
• 31:37
  Speaker 2: probably longer than six months.
• 31:39
  Speaker 5: Now.
• 31:39
  Speaker 4: ISO just feels like it's all one.
• 31:41
  Speaker 2: Week, and I've been going there far more and finding
• 31:44
  Speaker 2: I'm spending far less. So for me, I was really
• 31:48
  Speaker 2: surprised at the quality, and I was really surprised at
• 31:50
  Speaker 2: how easy it is to save with them. But then
• 31:53
  Speaker 2: also they have catalogs, and most supermarkets have catalogs, let's
• 31:57
  Speaker 2: be honest, but they are super fun to look through
• 31:59
  Speaker 2: and see all of the specials that are going on
• 32:01
  Speaker 2: this week. Geor, I know you know the Catalog Day
• 32:03
  Speaker 2: because you're a catalog fien, but I am not. But
• 32:06
  Speaker 2: I've recently gotten into it and I just I don't know.
• 32:08
  Speaker 2: I like seeing what I can say.
• 32:10
  Speaker 1: It's so fun. It's weird, even like.
• 32:12
  Speaker 2: Dishwashing liquid and like dish washing tablets because I'm an adult,
• 32:15
  Speaker 2: like I actually wait until they're on sale now.
• 32:18
  Speaker 4: To purchase them.
• 32:19
  Speaker 2: I'm like, I am not buying that full price. I
• 32:21
  Speaker 2: know in a couple of weeks it'll be on sale,
• 32:23
  Speaker 2: and then I'm like checking to see if it is
• 32:25
  Speaker 2: on sale so that I make sure that I go down.
• 32:27
  Speaker 4: That aisle if I'm at the shop exactly. There's something
• 32:30
  Speaker 4: really satisfying about it.
• 32:32
  Speaker 2: Anyway, just to plug it in here, we will be
• 32:34
  Speaker 2: releasing a budget healthy eating ebook and doing a whole
• 32:38
  Speaker 2: episode on how to budget for groceries really really soon,
• 32:41
  Speaker 2: so do watch this space. We are working with Millie
• 32:44
  Speaker 2: who is an absolutely fantastic dietitian. Maybe we'll actually link
• 32:48
  Speaker 2: her in our Mister Stories this week. She'd love that
• 32:51
  Speaker 2: so people can get on board early. But she has
• 32:53
  Speaker 2: been so delightful. She's actually a friend of Georgia's that
• 32:56
  Speaker 2: I've wrote in to do some work.
• 32:58
  Speaker 4: She's on the money.
• 32:59
  Speaker 2: But I'm really excited about this because I want a budget,
• 33:02
  Speaker 2: healthy eating ebook where we can actually work out how
• 33:04
  Speaker 2: much each meal is and you know, maybe.
• 33:07
  Speaker 4: All save the money.
• 33:08
  Speaker 2: Imagine if we get all saved sixty bucks.
• 33:09
  Speaker 1: A week, it's a massive saving.
• 33:11
  Speaker 3: Yeah, and people do ask about how they can save
• 33:14
  Speaker 3: on their groceries a lot, so that'll be a great
• 33:16
  Speaker 3: little episode, Victoria.
• 33:18
  Speaker 1: Next hack, we're up to hack number five.
• 33:20
  Speaker 2: Hack five is make the most of the amazing tools
• 33:24
  Speaker 2: that are out there, things like round up apps and
• 33:26
  Speaker 2: templates cough, She's on the money. Templates to help you
• 33:30
  Speaker 2: save Georgia apps that help you round up without knowing it.
• 33:33
  Speaker 2: Mindless saving is honestly the best. And you guys know
• 33:36
  Speaker 2: that I use these apps myself, so round up it's
• 33:40
  Speaker 2: not a new idea. There are a fair few apps
• 33:42
  Speaker 2: that do a lot of different things. We've spoken about
• 33:44
  Speaker 2: a fair few of them on the show. You guys
• 33:46
  Speaker 2: would have heard of shot Back, which we adore. You
• 33:48
  Speaker 2: would have heard of Rays, which I really love. It's
• 33:51
  Speaker 2: an investment app that I personally use. You would have
• 33:54
  Speaker 2: heard of Wiser, who are a new podcast partner for us.
• 33:57
  Speaker 2: They are delightful, but they round up and they pay
• 34:00
  Speaker 2: off debt, which, honestly, if you're in debt, savings isn't
• 34:04
  Speaker 2: a thing. Like you need to be getting out of
• 34:06
  Speaker 2: debt before we think about savings. But these hacks, guys,
• 34:09
  Speaker 2: theses can all apply to paying down your debt faster
• 34:12
  Speaker 2: as well. So if you're listening to these and going
• 34:14
  Speaker 2: but Victoria, I can't save, that is fine. But what
• 34:18
  Speaker 2: I want you to do is apply these same things
• 34:20
  Speaker 2: to get out of debt faster. You would have also
• 34:23
  Speaker 2: heard of Suppora, which is a round up savings app,
• 34:26
  Speaker 2: but we've spoken about them before, but they are honestly
• 34:29
  Speaker 2: so powerful because they automate it. They'd make things easy
• 34:32
  Speaker 2: for you to do additional savings and you would be
• 34:36
  Speaker 2: surprised about how they add up every single year. Also,
• 34:39
  Speaker 2: using templates can be really powerful to put money away
• 34:43
  Speaker 2: each month or week to meet your goal, and it's
• 34:45
  Speaker 2: really fun at seeing progress along the way as well.
• 34:48
  Speaker 2: I know we've created a number of the coloring templates
• 34:51
  Speaker 2: where you can color in a box each week and
• 34:53
  Speaker 2: transferred that amount. Guys, we do have some templates that
• 34:56
  Speaker 2: are being reworked at the moment. People request them so often,
• 35:00
  Speaker 2: but if you want to use the ones that we've
• 35:01
  Speaker 2: already got out there, you can find them in our
• 35:04
  Speaker 2: Instagram highlights or in the Facebook group. Visuals really help
• 35:08
  Speaker 2: us see the cumulative impact of small savings achievements and
• 35:12
  Speaker 2: can help you stay motivated and on track, Georgia. The
• 35:15
  Speaker 2: amount of messages we get from people being like, oh,
• 35:17
  Speaker 2: I used your five thousand dollars savings hack, or the
• 35:20
  Speaker 2: other week I had a beautiful message from a lovely
• 35:23
  Speaker 2: woman who said, Victoria, I've just used your ten thousand
• 35:26
  Speaker 2: dollars savings hack. I've bought a car outright. I'm a
• 35:29
  Speaker 2: single mum. I didn't even know that this was possible,
• 35:32
  Speaker 2: and I just love that there are just different tools
• 35:34
  Speaker 2: out there that can help us achieve things that we
• 35:37
  Speaker 2: didn't think we could before. Anyway, Georgia, I think it
• 35:40
  Speaker 2: is now time for our sixth and final hack and
• 35:43
  Speaker 2: you can take it away.
• 35:44
  Speaker 1: What is it, Georgia Privileged? Alrighty guys, so don't.
• 35:48
  Speaker 2: Don't be too over the top though.
• 35:50
  Speaker 3: Hack at number six is pretty much the most simple
• 35:53
  Speaker 3: one here. Simply to be smarter with how you shot
• 35:56
  Speaker 3: via central atoms like your groceries like your petrols. So
• 36:00
  Speaker 3: essentially refraining from buying anything full price is a really
• 36:04
  Speaker 3: good idea. As we know from our Fast Fashion episode,
• 36:08
  Speaker 3: like the amount that those retailers put on top of
• 36:12
  Speaker 3: the actual wholesale price of the product is ridiculous. So
• 36:16
  Speaker 3: if for no other reason than to save yourself money,
• 36:19
  Speaker 3: just don't buy things full price. Make the most of
• 36:22
  Speaker 3: op shops, vintage sites and stores, markets, et cetera, folk
• 36:25
  Speaker 3: food stores. I think we spoke about that was last
• 36:27
  Speaker 3: week or the week before on the show.
• 36:29
  Speaker 4: Oh yeah, the spices yep.
• 36:31
  Speaker 3: So you can just shop a little bit more creatively
• 36:34
  Speaker 3: and you can save so much money. Facebook Marketplace is
• 36:38
  Speaker 3: another great one, eBay, gum Tree, Etsy, you know, there's
• 36:43
  Speaker 3: just there's smarter ways that we can be shopping. Markets
• 36:45
  Speaker 3: are another good one. Was there anything else? V Actually
• 36:48
  Speaker 3: I wrote down here libraries as well, and.
• 36:52
  Speaker 2: Our libraries are so underrated.
• 36:54
  Speaker 1: That is exactly the word that I was going to use. You.
• 36:58
  Speaker 3: No, it is, but libraries are extremely underrated. They're not nerdy,
• 37:04
  Speaker 3: they're very cool, but you know, they've got everything they've got.
• 37:07
  Speaker 2: I mean, they're not nerdy, they're very cool. Coming from
• 37:09
  Speaker 2: two gals who run a finance podcast, like, I'm just
• 37:13
  Speaker 2: not sure if you can trust our recommendation. But guys,
• 37:15
  Speaker 2: if you take one thing from this set that isn't
• 37:18
  Speaker 2: a savings hack, it is honestly that libraries aren't underrated
• 37:21
  Speaker 2: if you have a library card. And I hope that
• 37:23
  Speaker 2: our editor puts that song about library cards in the
• 37:27
  Speaker 2: background of this conversation, with.
• 37:28
  Speaker 6: The thoughts and dreams of people throughout history, and all
• 37:33
  Speaker 6: you needs this little code to quarrel them for free.
• 37:38
  Speaker 2: A library has access to books, it has access to DVDs,
• 37:42
  Speaker 2: You have access.
• 37:42
  Speaker 4: To ebooks more often than not.
• 37:44
  Speaker 2: Yeah, if you have a library card, Yeah, exactly, you
• 37:46
  Speaker 2: will have a log into their online portal to listen
• 37:50
  Speaker 2: to ebooks for free. And I think that that is awesome.
• 37:53
  Speaker 2: So yes, Georgia, great hack. But then also, once we're
• 37:56
  Speaker 2: out of COVID life, a lot of libraries from Mum
• 37:59
  Speaker 2: and bubb sessions as well, so they'll have like reading
• 38:02
  Speaker 2: sessions for young kids or babies. And I just think
• 38:04
  Speaker 2: that they have so many underrated resources that we just
• 38:07
  Speaker 2: don't talk about enough. And I know that there are
• 38:09
  Speaker 2: a fair few librarians. And now she's on the money
• 38:12
  Speaker 2: community as well, so shout out to you guys, because
• 38:15
  Speaker 2: you just don't get the credit you deserve if I'm
• 38:16
  Speaker 2: being honest.
• 38:17
  Speaker 3: One, so I hope you guys enjoyed our hacks today.
• 38:21
  Speaker 3: But to kind of round out today's conversation, Victoria, if
• 38:24
  Speaker 3: someone came to you and said, hey, Victoria, I'm useless
• 38:28
  Speaker 3: at saving I always have been, I always will be,
• 38:31
  Speaker 3: in a slightly deeper voice than mine, what would you
• 38:33
  Speaker 3: say to them?
• 38:35
  Speaker 2: I'd say, why are you using a slightly deeper voice
• 38:37
  Speaker 2: than George's.
• 38:38
  Speaker 4: But I'd also.
• 38:39
  Speaker 2: Say stop thinking like that. You absolutely can do it,
• 38:43
  Speaker 2: and you are as capable as anybody to start practicing
• 38:46
  Speaker 2: good money habits and start taking control of your finances.
• 38:49
  Speaker 4: You need to just.
• 38:50
  Speaker 2: Start small, take on board a few of the hacks
• 38:52
  Speaker 2: that we've provided today, and when you fall down, just
• 38:55
  Speaker 2: get back up again. Don't beat yourself up, And the
• 38:58
  Speaker 2: sooner that you're out of that headspace, the sooner you're
• 39:00
  Speaker 2: going to start seeing the savings reflected back in your
• 39:03
  Speaker 2: actual bank account. For me, it's more about just getting
• 39:07
  Speaker 2: up and getting on with it.
• 39:08
  Speaker 4: Don't judge yourself past.
• 39:10
  Speaker 2: Use mistakes like you use the tools and resources that
• 39:13
  Speaker 2: you had at that time, and I think, you know,
• 39:15
  Speaker 2: talking about learned helplessness here was really important, Like choose
• 39:20
  Speaker 2: to just try something different, pick a new tool, pick
• 39:23
  Speaker 2: a template, do something, but don't try and do it
• 39:26
  Speaker 2: all at once either, because it can be a little
• 39:28
  Speaker 2: bit overwhelming.
• 39:29
  Speaker 1: Let's be honest, very well said.
• 39:31
  Speaker 3: Before we head into today's listener question, I will be
• 39:34
  Speaker 3: posting a little thread in our Facebook group today so
• 39:38
  Speaker 3: that you guys can share your money hags, tell us
• 39:40
  Speaker 3: what you think about ours, and I might even splice
• 39:43
  Speaker 3: them together and make a little blog for us all
• 39:45
  Speaker 3: to have a little pervat.
• 39:47
  Speaker 2: Yes, please, all right, listener question, let's go, Hi, girls, I.
• 39:52
  Speaker 6: Have a question about saving and what I'm meant to
• 39:54
  Speaker 6: be doing at my age. So I'm twenty four and
• 39:56
  Speaker 6: i have sixty thousand dollars in the bank, but I'm
• 39:59
  Speaker 6: not really saving for any in particular. It's more than
• 40:01
  Speaker 6: one day. I'd like to buy a house or something,
• 40:03
  Speaker 6: but at the moment it's like I'm addicted to saving.
• 40:06
  Speaker 6: Sometimes I feel like I restrict myself too much, and
• 40:08
  Speaker 6: my friends do often call me tight, which is annoying,
• 40:10
  Speaker 6: and I know most of them have nowhere near as
• 40:12
  Speaker 6: much money as me, But I just kind of feel
• 40:14
  Speaker 6: like I should keep.
• 40:15
  Speaker 4: On saving if that makes sense?
• 40:17
  Speaker 6: Am I being a bad person by prioritizing my savings?
• 40:20
  Speaker 6: Should I like spend more when I'm young? Thanks?
• 40:22
  Speaker 1: Girls? Alrighty bebe What should she do?
• 40:26
  Speaker 2: I think this is really important for her to remember
• 40:28
  Speaker 2: that she's done an incredible job, and I think she
• 40:31
  Speaker 2: needs to give herself some credit for that. Often, when
• 40:34
  Speaker 2: we start doing something, though I know she said, it
• 40:37
  Speaker 2: can feel like she's addicted to it. That's totally a thing.
• 40:40
  Speaker 2: We become so set in it. It's all or nothing.
• 40:43
  Speaker 2: It's that kind of like all or nothing mentality where
• 40:45
  Speaker 2: if you're not going really hard, you're not good at it.
• 40:48
  Speaker 2: And it's kind of like that's not the case at all.
• 40:50
  Speaker 2: We actually need saving to be really sustainable, and it
• 40:54
  Speaker 2: is not realistic to expect to always be able to
• 40:57
  Speaker 2: save that much and that aggressively. And I think if
• 41:00
  Speaker 2: we put that level of expectation on ourselves all the time,
• 41:03
  Speaker 2: we'll be really let down in the long term. So
• 41:06
  Speaker 2: I think she needs to remember, one, you're doing an
• 41:08
  Speaker 2: incredible job, but two we all need to live a
• 41:11
  Speaker 2: bit like I am definitely not. And this sounds hypocritical
• 41:14
  Speaker 2: because one of our savings tips was literally have a
• 41:16
  Speaker 2: coffee at home. But like, I only want you to
• 41:19
  Speaker 2: do that if that's in line with your goals and
• 41:21
  Speaker 2: your values and something that is going to prove useful
• 41:24
  Speaker 2: to you. I don't want you to be compromising your
• 41:27
  Speaker 2: lifestyle because old age, let's be honest, is a grace
• 41:31
  Speaker 2: that is not given to everybody, and I think that
• 41:33
  Speaker 2: we need to enjoy life along the way and have
• 41:36
  Speaker 2: a little bit fun. You've done in a great job
• 41:38
  Speaker 2: at saving, and clearly you're incredibly good at that, and
• 41:41
  Speaker 2: also it deglade gratification. But life is there to honestly
• 41:45
  Speaker 2: be enjoyed, and you're working to earn money to pay
• 41:47
  Speaker 2: for life, but also to enjoy your life. So I'm
• 41:50
  Speaker 2: not saying don't be yollow, but definitely, you know, give
• 41:55
  Speaker 2: yourself a little bit more slack, Like, enjoy life, make
• 41:58
  Speaker 2: sure it's in line with your goals and values, and
• 42:00
  Speaker 2: go from there.
• 42:05
  Speaker 5: Hi, I'm the twenty two year old restricted traveler and
• 42:08
  Speaker 5: this is my money diary.
• 42:10
  Speaker 3: Now it's time for everyone's favorite part of the show,
• 42:13
  Speaker 3: a sneak peek into the financial lives the perfect are strangers.
• 42:16
  Speaker 3: It's time for money diaries.
• 42:18
  Speaker 5: My attitude to money is that, I guess I'm really
• 42:22
  Speaker 5: good at saving when I have a goal in mind
• 42:24
  Speaker 5: and I've got something i'm working towards. But most of
• 42:26
  Speaker 5: the time, my goal is travel, So I will go
• 42:29
  Speaker 5: on these big, extravagant holidays and I love it because
• 42:33
  Speaker 5: that's what I love to do. But yeah, I'm really
• 42:35
  Speaker 5: good at saving all my money and then going on
• 42:37
  Speaker 5: these big trips and then coming home with nothing. So
• 42:41
  Speaker 5: I'm kind of working on changing that at the moment,
• 42:44
  Speaker 5: but yeah, I'm working on it.
• 42:46
  Speaker 3: So what does our restricted traveler do? How much does
• 42:49
  Speaker 3: she earn? And how much is sitting in her bank account.
• 42:52
  Speaker 5: I'm a customer relationship specialist in a bank. I make
• 42:56
  Speaker 5: around sixty nine thousand dollars per year or two out
• 43:00
  Speaker 5: to be two thousand dollars in my bank account every fortnight.
• 43:03
  Speaker 5: And how much money is in my bank account right now?
• 43:06
  Speaker 5: I think total, I've probably got around four thousand dollars.
• 43:09
  Speaker 1: What happens to her income once it hits her account.
• 43:12
  Speaker 5: First of all, my rent will come out, so I
• 43:14
  Speaker 5: live with my parents, but that money comes out straight away.
• 43:17
  Speaker 5: Then I've got twelve hundred dollars. If it goes straight
• 43:20
  Speaker 5: to savings, and then about one hundred and fifty goes
• 43:24
  Speaker 5: into my expenses account for the fortnight, and then the
• 43:27
  Speaker 5: rest will go into investments and just other savings accounts.
• 43:32
  Speaker 1: What is the attitude to investing?
• 43:34
  Speaker 5: I would like to do more investing. I was with
• 43:37
  Speaker 5: Rays for a little while, but I've just taken all
• 43:40
  Speaker 5: my money out of there and opened a spaceship account.
• 43:42
  Speaker 5: So I've got about four hundred dollars in there, and
• 43:46
  Speaker 5: I put in fifteen dollars a week into my spaceship account.
• 43:50
  Speaker 5: But yeah, I'm kind of in a consolidating all my
• 43:53
  Speaker 5: savings at the moment kind of moods. So I would
• 43:56
  Speaker 5: like to dabble in investing a bit more in the future.
• 43:59
  Speaker 1: Does that to Traveler? Have any debts?
• 44:02
  Speaker 5: I have no debt right now. As of last week,
• 44:05
  Speaker 5: I paid off my student loan in full and my
• 44:08
  Speaker 5: account was closed yesterday, so I'm debt free.
• 44:10
  Speaker 1: What is her best money habit?
• 44:12
  Speaker 5: Being able to say, really, well, I'm really good at
• 44:15
  Speaker 5: putting a goal in place and working towards it, and
• 44:18
  Speaker 5: not a lot will sway me from that. But other
• 44:21
  Speaker 5: than that, my biggest thing at the moment is having
• 44:24
  Speaker 5: gone zero waste I used to spend so much money
• 44:27
  Speaker 5: on skincare and beauty products, but since going zero waste,
• 44:31
  Speaker 5: my spending on those things has drastically cut and I'm
• 44:34
  Speaker 5: saving so much money.
• 44:35
  Speaker 1: And what is her worst money habit?
• 44:38
  Speaker 5: My worst money habit is probably traveling. I'm a really
• 44:41
  Speaker 5: chill travelist, so I don't ever plan anything and it
• 44:45
  Speaker 5: always bites me in the butt because I missed the
• 44:47
  Speaker 5: sales or I miss the good deals and stuff. So
• 44:50
  Speaker 5: I think if I was a better planner, that wouldn't
• 44:53
  Speaker 5: be a money fail.
• 44:54
  Speaker 1: What is her big money goal?
• 44:56
  Speaker 5: I've got a few right now. The next one is
• 44:58
  Speaker 5: buying a car. I want to buy a car with cash.
• 45:02
  Speaker 5: Following on from that, I've got one more year of
• 45:04
  Speaker 5: UNI left and I want to pay UNI fees upfront,
• 45:08
  Speaker 5: so I've got to say for that as well. And
• 45:10
  Speaker 5: then third one is moving out, so I want to
• 45:13
  Speaker 5: have a good set of savings behind me before I
• 45:15
  Speaker 5: move out in my parents' place.
• 45:17
  Speaker 3: And finally, what grade would the restricted traveler give her
• 45:20
  Speaker 3: money habits?
• 45:22
  Speaker 5: So I think probably twelve months ago I would have
• 45:25
  Speaker 5: been a bee just because of my travel spending habits.
• 45:28
  Speaker 5: But as of now, I feel like I'm finally getting
• 45:30
  Speaker 5: my finances in order. So I'm going to give myself
• 45:34
  Speaker 5: an a minus just because I haven't dabbled in investing
• 45:37
  Speaker 5: as much as I would have liked to.
• 45:39
  Speaker 3: Alrighty, Victoria Devine, talk to me about today's restricted traveler.
• 45:44
  Speaker 2: I really liked this money diary because I feel like
• 45:46
  Speaker 2: it's pretty relatable. She's quite young, she obviously loves travel,
• 45:51
  Speaker 2: but doesn't allocate enough time to planning for it in
• 45:55
  Speaker 2: terms of savings. I know that a lot of us
• 45:57
  Speaker 2: are in a position where, you know, let's be honest,
• 45:59
  Speaker 2: a lot of us are in a position where we
• 46:01
  Speaker 2: travel a lot and we just are a bit loose
• 46:03
  Speaker 2: about it. But I do think that she was quite
• 46:05
  Speaker 2: self aware about, you know, needing to be a little
• 46:08
  Speaker 2: bit more planned, which I think is really important. The
• 46:10
  Speaker 2: more we plan, the more we can save and the
• 46:12
  Speaker 2: more we can allocate. And honestly, if we can budget
• 46:15
  Speaker 2: for a good holiday, we come back feeling far more
• 46:18
  Speaker 2: empowered because we know we've still got some savings in
• 46:21
  Speaker 2: the bank. We know we are financially stable, and I
• 46:23
  Speaker 2: think that's something that you know, people stress about on holidays.
• 46:27
  Speaker 2: We've all been on a holiday at some point and
• 46:29
  Speaker 2: been like, oh, is that a good idea or not?
• 46:32
  Speaker 2: And I think that it's really important to remember that
• 46:35
  Speaker 2: you're going on holiday to escape and have a really
• 46:37
  Speaker 2: fun time, and the last thing you want to think
• 46:39
  Speaker 2: about is money. So instead of not thinking about it
• 46:42
  Speaker 2: on the trip and not before, think about it before,
• 46:44
  Speaker 2: plan it before, so when you are on the trip,
• 46:46
  Speaker 2: you know that you're fully okay. The second thing I
• 46:49
  Speaker 2: wanted to mention.
• 46:50
  Speaker 4: Is she's out of debt.
• 46:51
  Speaker 2: She's officially debt free apparently as of yesterday, which I
• 46:55
  Speaker 2: think is so fun. Like she paid off all of
• 46:58
  Speaker 2: her student loans.
• 46:59
  Speaker 4: She sounded like she was from New Zealand.
• 47:00
  Speaker 2: She had a Kiwi accent that I love that accent
• 47:04
  Speaker 2: as well. New Zealand is one of my favorite places.
• 47:07
  Speaker 2: But I think that their loan schemes are completely different
• 47:10
  Speaker 2: to ours. So she's not talking about X guys, she's
• 47:13
  Speaker 2: talking about an actual student loan. But to be debt
• 47:16
  Speaker 2: free amazing.
• 47:17
  Speaker 4: I love that for her.
• 47:18
  Speaker 2: I thought her rating was absolutely fine. I do think
• 47:21
  Speaker 2: that she could be a little bit more structured in
• 47:24
  Speaker 2: terms of what she was planning on holidays with, but
• 47:27
  Speaker 2: at the end of the day, that's in line with
• 47:29
  Speaker 2: her values and I think it's really important that people
• 47:33
  Speaker 2: are spending money in line with the things that are
• 47:35
  Speaker 2: most important to them, and she clearly knew that travel
• 47:38
  Speaker 2: was something that was really really important to her, So
• 47:40
  Speaker 2: I love that. And yeah, that's that's the wrap of
• 47:43
  Speaker 2: it from me.
• 47:44
  Speaker 3: Georgia King brilliantly said fee. The only thing I would
• 47:47
  Speaker 3: mention as well that I thought it was really cool
• 47:49
  Speaker 3: that she's gone for the zero waste option, which is
• 47:53
  Speaker 3: something I've been kind of thinking about doing too, So
• 47:55
  Speaker 3: maybe I'll have to get in touch and pick up
• 47:58
  Speaker 3: some tips. But I thought that was yeah, a great,
• 48:00
  Speaker 3: really neat little money diarist. So I reckon, it's probably
• 48:04
  Speaker 3: time to wrap up the show now, V.
• 48:07
  Speaker 1: What do you reckon?
• 48:08
  Speaker 2: Absolutely, let's go. But before you decide to wrap up
• 48:11
  Speaker 2: the show on me, I would just like to acknowledge
• 48:14
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• 48:18
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• 48:22
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• 48:24
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• 48:26
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• 48:29
  Speaker 2: our friendship and kindness.
• 48:31
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• 48:34
  Speaker 3: in nature and does not consider your individual circumstances. She
• 48:37
  Speaker 3: Is on the Money exists purely for educational purposes and
• 48:41
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• 48:43
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• 48:55
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  Speaker 3: as always, thank you to the big Man Brian John
• 49:02
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• 49:05
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• 49:38
  Speaker 1: Of all the beautiful feedback. So yeah, it really.
• 49:40
  Speaker 2: Makes our days, it makes our weeks, but you know what,
• 49:43
  Speaker 2: We'll see you next week, guys, and thank you so
• 49:46
  Speaker 2: much for tuning into another episode of She's on the Money.
• 49:49
  Speaker 1: See you next week.
• 49:49
  Speaker 2: Bye, friends,