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The twelve saves of xmas · She's On The Money

0:00
Speaker 1: She's on the Money.
0:02
Speaker 2: She's on the Money.
0:24
Speaker 1: Hello and welcome to She's on the Money, the podcast
0:27
Speaker 1: for millennials who want financial freedom, believe it or not.
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Speaker 1: Today is the first of December, which means Christmas is
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Speaker 1: just three and a half weeks away, and to celebrate
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Speaker 1: over the next few Wednesdays, we'll be bringing you some
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Speaker 1: extra festive content To kick things off. Today, we're going
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Speaker 1: to be diving deep into our top twelve hacks to
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Speaker 1: help you save money this silly season, and given Australians
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Speaker 1: are tipped to spend twenty three point nine billion dollars
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Speaker 1: on Christmas this year, poofed. Indeed, VICKI d these tips
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Speaker 1: could be exactly what we all need now. My name
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Speaker 1: is Georgia King, and joining me as always is of
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Speaker 1: course financial advisor Victoria devine v. Firstly, happy first day
1:11
Speaker 1: of summer. Hello, great news, great results. Thank you and
1:14
Speaker 1: did you enjoy the intro of the pod? You know
1:18
Speaker 1: I did? You saw me boppin and Jivan I love it? Yeah?
1:21
Speaker 3: We this time, guys, we played it before we started
1:25
Speaker 3: podcasting so that we could feel extra festive.
1:28
Speaker 1: And I'm feeling festive for sure.
1:30
Speaker 3: This is how adults run their lives and.
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Speaker 1: Work, right, Yeah, yeah, for sure, for sure. The twenty
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Speaker 1: three point nine billion dollars is what I said before.
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Speaker 3: I've never seen in as many dollars as that in
1:40
Speaker 3: my whole life.
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Speaker 1: It's a lot. It's a big jump from last year
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Speaker 1: as well, so that is information that's come from Finder.
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Speaker 1: But that's a lot of billions VD.
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Speaker 3: That's many billions, in fact, it's twenty three point nine
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Speaker 3: of them, correct.
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Speaker 1: So how do you feel about that? Is that's obviously
1:55
Speaker 1: not what you're expecting this year.
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Speaker 3: No, I've read the reports, I've seen it, and to
2:01
Speaker 3: be honest, I think that a lot of us are
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Speaker 3: going to be making up for having such not so
2:06
Speaker 3: nice years.
2:08
Speaker 1: And I think that a.
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Speaker 3: Lot of us just feel like we want to make
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Speaker 3: ourselves feel a bit better. So I'm not surprised that
2:13
Speaker 3: we are all doing that. It's kind of like a
2:15
Speaker 3: bit of a rebound in a way, like you're bouncing
2:17
Speaker 3: back into something by potentially going too hard. So it
2:21
Speaker 3: does make me a little bit uncomfortable, especially given the
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Speaker 3: amount of financial stress that so many people have been
2:27
Speaker 3: in this year.
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Speaker 1: It just doesn't make sense.
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Speaker 3: To put even more financial stress on ourselves when in reality,
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Speaker 3: I guarantee most people can't least off the top of
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Speaker 3: their head exactly what they got for Christmas last year.
2:38
Speaker 1: Yeah, that's a really good point.
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Speaker 3: Actually, thank you, it's the one I just made.
2:42
Speaker 1: Jeez, well done. There's a start out there and I
2:45
Speaker 1: don't have it with me. Statt girl has let the
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Speaker 1: team down today. But isn't Georgia King? Is it true
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Speaker 1: that Christmas is among the most financially stressful times of year? Yes?
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Speaker 3: Absolutely, it is arguably the most financially stressful time of year,
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Speaker 3: and it's the most likely time of the year that
3:00
Speaker 3: your partner is going to ask you for a divorce.
3:02
Speaker 3: Scary stuff.
3:03
Speaker 1: Oh geez, a lot happening. Then just throw the throw
3:07
Speaker 1: the book at it. But before we move into our tips,
3:10
Speaker 1: I also wanted to add that, according.
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Speaker 3: It's not a tip, don't ask your partner for a
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Speaker 3: divorce unless you're actually thinking about that already in that dress,
3:17
Speaker 3: send to cheese on the money and be like, great idea,
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Speaker 3: but get him that for Christmas.
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Speaker 1: But before we do get to our proper tips today,
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Speaker 1: by I just wanted to point out that, according to
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Speaker 1: that same research, millennials are expected to spend more than
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Speaker 1: any other generation this year, and it's actually one five
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Speaker 1: hundred and eighteen dollars according to Finder. That's so much money.
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Speaker 3: I can't fathom that people are spending that much money
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Speaker 3: at Christmas again, especially given how much we've been through
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Speaker 3: in the last twelve, eighteen, twenty four months, Like it
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Speaker 3: just seems like a silly number when fifteen hundred dollars
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Speaker 3: would be a really great emergency fund for someone. I'm
3:56
Speaker 3: not saying go and don't spend money on Christmas, but
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Speaker 3: like maybe one for you, two for me kind of
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Speaker 3: vibes where you're actually putting yourself first this Christmas and
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Speaker 3: making sure And I don't mean in a gift giving way,
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Speaker 3: I mean in a savings way.
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Speaker 1: Georgia.
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Speaker 3: I feel like people might take that advice or just
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Speaker 3: run with it, but that don't okay, So let's get
4:15
Speaker 3: straight into the tips. Let's do it be okay. Our
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Speaker 3: first tip here is to shop online where possible. Why
4:21
Speaker 3: is this such a classic tip?
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Speaker 1: VIKIDK.
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Speaker 3: Is it so that we can use shop back and
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Speaker 3: get some six sick cash back?
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Speaker 1: Is that why? I think? I think that's why.
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Speaker 3: That's an unsolicited sponsor shout out, like they're not paying
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Speaker 3: for that, but I genuinely think that by shopping online, one,
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Speaker 3: you can make more educated decisions, so you can like
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Speaker 3: look around without having to walk the entirety of Chadsten
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Speaker 3: three times to find the best price for a singular item.
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Speaker 1: The second thing.
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Speaker 3: There is you can make the most of discounts, and
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Speaker 3: usually you can google discount codes or like sign up
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Speaker 3: to their website and get ten percent off your first purchase,
4:56
Speaker 3: or you can use things again like shop back, which
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Speaker 3: we obviously advocate for, whether they're paying us to say
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Speaker 3: it this time or not. And it means that you're
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Speaker 3: more likely to buy less because you don't have as
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Speaker 3: much impulsiveness when you're shopping online as compared to when
5:12
Speaker 3: you like walk through Maya and you see those little
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Speaker 3: gift things, You're like, oh my gosh, Georgia would love
5:15
Speaker 3: that as well. I'll just pop that in her stocking.
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Speaker 3: So I feel like shopping online is probably a really
5:21
Speaker 3: good idea, but we need to do it early, especially
5:24
Speaker 3: because we know that throughout the last year, os Post
5:27
Speaker 3: has been pretty good at being delayed. So if you
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Speaker 3: are going to be shopping online this Christmas, I'd be
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Speaker 3: doing it sooner rather than later, so you don't end
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Speaker 3: up doing the mad dash to a shopping center at
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Speaker 3: midnight the day before Christmas because your presence dinner or I.
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Speaker 1: Guess it also is a really big time saber e
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Speaker 1: which you know, everything amps up at this time of year.
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Speaker 1: We're all so busy, so that's quite handy as well.
5:47
Speaker 1: Our second tip for today V is of course, to
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Speaker 1: know your budget and to not be tempted to spend
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Speaker 1: more than you can actually afford. Amen.
5:55
Speaker 3: And there is a budgeting template for Christmas on our
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Speaker 3: web sites, so use it. Write exactly what you want
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Speaker 3: to spend down and then work it out properly, because
6:06
Speaker 3: I think the one thing that we are all really
6:08
Speaker 3: naughty at at Christmas time is just assuming.
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Speaker 1: Like in my head, George, I'll be like, oh, I'll probably.
6:13
Speaker 3: Spend about five hundred dollars at Christmas time, Like in
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Speaker 3: my head that's a lot of money, because it is.
6:19
Speaker 3: But then I forget that everything adds up. So I've
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Speaker 3: got my sister, I've got my partner, I've got you know,
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Speaker 3: my nieces and nephews. I've probably got family Chris Kringle,
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Speaker 3: and five hundred dollars is going to for me creep up,
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Speaker 3: really quickly because of the amount of people I buy
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Speaker 3: presents for. So we've got to be really realistic about
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Speaker 3: what that looks like.
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Speaker 1: And setting realistic.
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Speaker 3: Budgets at the start is going to mean you keep
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Speaker 3: to that budget. Because I might allocate it all out
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Speaker 3: and go, all right, fifty bugs per present sounds reasonable.
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Speaker 3: I write it all down and realize that's actually out
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Speaker 3: of my budget.
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Speaker 1: But if I cut it.
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Speaker 3: Down to forty dollars a gift, I'm bang on. So
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Speaker 3: if we do these little negotiations with ourselves and set
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Speaker 3: the tone at the start and set the expectation, then
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Speaker 3: we don't find ourselves blowing out because you just didn't
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Speaker 3: think about it comprehensively enough. And it's so easy to
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Speaker 3: forget how much little presents add up. And it's not
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Speaker 3: just about am I getting Georgia a Christmas present?
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Speaker 1: Low key? Yes, I am, just FYI love it.
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Speaker 3: Second thing is the little things like are you going
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Speaker 3: to go to a friend's house for some Christmas drinks
7:22
Speaker 3: or a Christmas barbecue? How much is that box of
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Speaker 3: favorites or their favorite box of chocky lint balls? Like
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Speaker 3: those things can be twenty plus dollars very easily. You
7:33
Speaker 3: go to three of those barbecues. You spent sixty bucks.
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Speaker 3: You didn't even realize you were going to spend to.
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Speaker 1: Sure slight digression. A couple of weeks ago, I actually
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Speaker 1: did chat about favorites and specifically picnic bars, which I'm
7:47
Speaker 1: going to say it here on the podcast are a
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Speaker 1: grossly underrated chocolate bar.
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Speaker 3: Why come on, tell us exactly, why get us on
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Speaker 3: your team?
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Speaker 1: Sellers? When I was younger, member that you're in your twenties,
8:01
Speaker 1: so you are, in fact, Oh thanks girl. I don't
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Speaker 1: feel it though, but you know, you get a box
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Speaker 1: of favorites, you're snagging the flake, You're snagging the caramelo blake.
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Speaker 1: Oh my god. Everyone. Maybe we're not so similar, you
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Speaker 1: and I. But I always dismissed picnics as just being
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Speaker 1: like this greedy, peanutty mess of a chocolate that was
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Speaker 1: like too rich, you could never finish a whole one. Anyway.
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Speaker 1: Fast forward to a couple of weeks ago, I was
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Speaker 1: given a box of favorites by someone who clearly didn't
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Speaker 1: like me very much. I'm joking, it was a great gift.
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Speaker 3: I was going to say, that's a solid twenty bucks
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Speaker 3: spent on you.
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Speaker 1: Right, there. It was a small box. Anyway, the picnics
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Speaker 1: were the only ones that were left, so I grabbed
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Speaker 1: one at times I get it and turns out it
8:43
Speaker 1: was delightful. Yeah, anyway, that was a five minute, bloody
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Speaker 1: digression for no reason. But so you give them the
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Speaker 1: best healthy and I didn't even know. So if you've been.
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Speaker 3: Hoarding, maybe this is a Georgia King tip. If you've
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Speaker 3: been hoarding the picnics, you could actually gift them for
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Speaker 3: Christmas to Georgia and she'd be so.
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Speaker 1: Happy correct send them to me. I'll be thrilled, all right,
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Speaker 1: V Let's move on to our next little tip here.
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Speaker 1: It is to not go into debt where possible to.
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Speaker 3: Still exactly so, this one might not save you any
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Speaker 3: money during their festive season, but it's very likely going
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Speaker 3: to save you a lot of cash down the line.
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Speaker 3: You need to remember that the people in your life
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Speaker 3: who you might be gifting for quite likely don't want
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Speaker 3: you to go into debt for their benefit. Like, there's
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Speaker 3: nobody in my entire life who would say a present
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Speaker 3: is more important than Victoria staying out of debt, Like,
9:34
Speaker 3: think about it that way. Reframing it really does help.
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Speaker 3: But don't feel like you need to lean on credit
9:39
Speaker 3: or buy now, pay later providers, because they have been
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Speaker 3: really cheeky with their marketing recently to make you feel
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Speaker 3: like that's the easy way around Christmas time. But that,
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Speaker 3: from my point of view, is a very easy way
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Speaker 3: to start the year next year with debt, and we
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Speaker 3: don't want to be in that position if we can
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Speaker 3: avoid it now. Please don't think that I'm saying no
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Speaker 3: to any form of debt this Christmas, because I know
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Speaker 3: that there are a lot of families that are going
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Speaker 3: to need to rely on Christmas to have a day
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Speaker 3: that just sparks joy, and that is what's necessary.
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Speaker 1: At the end of the day.
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Speaker 3: As much as we always say don't go into debt,
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Speaker 3: don't do it.
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Speaker 1: Debt is bad.
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Speaker 3: It is, But I'm also a real person who gets
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Speaker 3: real situations, and sometimes that's the best decision for you
10:20
Speaker 3: and your family at that point in time. The one
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Speaker 3: thing we don't want to do is stick our heads
10:26
Speaker 3: in the sand about the debt, though, so we want
10:28
Speaker 3: to make sure that whatever debt we are taking on
10:31
Speaker 3: this festive season, we're avoiding getting in as much of
10:34
Speaker 3: it as possible. It's not an in debt or not
10:38
Speaker 3: in debt situation, if you need to use it, We're
10:40
Speaker 3: still thinking about how we can save as much money
10:43
Speaker 3: as possible.
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Speaker 1: We're not just.
10:44
Speaker 3: Going gung home being like, all right, well I have
10:46
Speaker 3: to use my credit card. I guess I'll just spend double,
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Speaker 3: which is a very easy thing to say and to
10:52
Speaker 3: do to yourselves. But also about creating a plan of
10:56
Speaker 3: how to get out of that debt, like make a
10:58
Speaker 3: reasonable plan that says, Okay, if if I spend X
11:00
Speaker 3: amount on after pay, I'm going to be able to
11:03
Speaker 3: pay it off in this amount of time and I
11:04
Speaker 3: know I'm going to have that income to service that debt,
11:07
Speaker 3: because that's the thing we all forget when we just
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Speaker 3: tap our cards. And nowadays, with after pay being available
11:14
Speaker 3: in every single retail outlet at every single shopping center
11:17
Speaker 3: I've seen recently, it's going to be so much easier
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Speaker 3: to say, ah, that's a lot less pain to have
11:22
Speaker 3: to part with my cash this festive season because I've
11:25
Speaker 3: got so many presents to buy. It's not a good
11:27
Speaker 3: idea if you're in that situation where you're thinking, oh,
11:31
Speaker 3: I shouldn't be really spending it, but if I put
11:32
Speaker 3: it on after pay, it's easier. Try finding something cheaper
11:36
Speaker 3: to purchase, Like, it's just not worth it. And we're
11:39
Speaker 3: talking about this a couple of weeks ago, George, on
11:42
Speaker 3: the episode that we were ranting on about after Pay,
11:45
Speaker 3: and you guys know how I feel about that. But
11:47
Speaker 3: please keep in mind that after Pay made more than
11:50
Speaker 3: eighty seven point three million dollars in late fees last
11:53
Speaker 3: financial years, so they're not not benefiting from us not
11:57
Speaker 3: being able to pay our debts back.
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Speaker 1: And that's a lot of money.
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Speaker 3: Arguably, Georgia, that's more money than you and I combined
12:04
Speaker 3: or spend on Christmas.
12:05
Speaker 1: Well just to touch, I reckon.
12:07
Speaker 3: Just to touch just a couple of dollars over me.
12:09
Speaker 3: But it's serious, Like, that's not something that anybody chose, right,
12:14
Speaker 3: Nobody goes and puts something on after Pay with the
12:16
Speaker 3: intention of incurring a late fee.
12:18
Speaker 1: Nobody wants that, No, of course not.
12:20
Speaker 3: Of course, people have incurred eighty seven point three million
12:23
Speaker 3: dollars worth of late fees, so it clearly happens more
12:26
Speaker 3: often than not.
12:27
Speaker 1: Yeah, oh, after Pay, let's move on from that. Let's
12:30
Speaker 1: bring the back, bring them up. And this one's this
12:33
Speaker 1: one goes out to the lovers out there that are listening.
12:36
Speaker 1: So if you and your partner always go over the
12:39
Speaker 1: top with gift giving each and every year Christmases and
12:42
Speaker 1: birthdays and adversaries, instead of just throwing more gifts at
12:47
Speaker 1: each other, suggest experiences or perhaps just a year of
12:52
Speaker 1: no gift, a year of no gift, as they say, V,
12:55
Speaker 1: what are your thoughts on this one?
12:56
Speaker 3: I think this is a good idea, Like, if you
12:58
Speaker 3: guys have big shared that you're working towards, or maybe
13:02
Speaker 3: you're both just a little strapped for cash this year
13:04
Speaker 3: and don't want to spend hundreds of dollars on each
13:06
Speaker 3: other or even any dollars on each other, just suggest
13:09
Speaker 3: a no spend chrissy and ditch the gifts. Like I
13:12
Speaker 3: think that there's something really empowering about being like, hey babe,
13:16
Speaker 3: I reckon, we just don't buy each other gifts. So,
13:18
Speaker 3: hey babe, I know you're really strapped for cash, please
13:21
Speaker 3: don't buy me anything. And they'll probably be like, oh no, no, no,
13:23
Speaker 3: and then you can agree.
13:24
Speaker 1: To both not do it.
13:25
Speaker 3: But I think it's one of those things that are
13:26
Speaker 3: really underrated, like why do you have to get someone
13:29
Speaker 3: a Christmas present? Like I just like let's think about
13:32
Speaker 3: this on a deeper level, Like what's the point in
13:34
Speaker 3: saying that. I know Steve doesn't listen to our podcast
13:37
Speaker 3: and he has asked for a new toilet Tree spag,
13:40
Speaker 3: so he will be getting that this Christmas. Oh, bless
13:42
Speaker 3: you imagine.
13:43
Speaker 1: I just feel like that's such a generic male gift,
13:46
Speaker 1: so boring. Male toiletry bags are just bland, bland, bland, bland, yeah, bland.
13:53
Speaker 3: But we went away a couple of weeks ago just
13:55
Speaker 3: for the weekend, and he had this one that was
13:58
Speaker 3: so old I swear it was like all of the
14:00
Speaker 3: logos had rubbed off. He must have had it for
14:03
Speaker 3: fifteen plus years. And I was like, where did.
14:05
Speaker 1: You get that?
14:06
Speaker 3: Like I've never said this in my life, And he
14:08
Speaker 3: was like, oh, maybe that's what you can get me
14:10
Speaker 3: for Christmas. So obviously I'm going to be spending big
14:13
Speaker 3: on a toilet Trees bag, but I'm getting him something
14:17
Speaker 3: he needs. So that's probably another way to give things
14:20
Speaker 3: that people actually want is having a chat like, gee,
14:23
Speaker 3: is there anything you need for Christmas? Like can exactly
14:26
Speaker 3: get you something that's really practical?
14:28
Speaker 1: And I mean, what's a toilet Tres bag?
14:31
Speaker 3: Like thirty bucks or something like, is he yeah, trot
14:34
Speaker 3: down to Kmart. I can get him something that I
14:35
Speaker 3: know he wants, he needs, and he's going to use
14:38
Speaker 3: money win.
14:39
Speaker 1: Yeah, love it, Harps and I Actually we've been wanting
14:42
Speaker 1: to go to Tasmania for years now. Pandemic has got
14:45
Speaker 1: tasty a way we got tassy, I said, I'm by
14:50
Speaker 1: I guess so we're really keen to go. So we're
14:53
Speaker 1: going to go early next year. And instead of getting
14:56
Speaker 1: gifts to each other, we're just gonna be like, that's
14:57
Speaker 1: our present, Like we'll buy each other spirit tickets, red flights,
15:00
Speaker 1: whatever we wound up doing. So, yeah, it's a nice
15:02
Speaker 1: little idea. I love thank you so much.
15:04
Speaker 3: And I mean Steve is a man of very few words.
15:07
Speaker 3: I feel like now we've gotten engaged. Though I can't
15:09
Speaker 3: stop talking about it. I'll just talk about him more. Also,
15:12
Speaker 3: don't tell him I talk about him so much on
15:13
Speaker 3: the podcast. I think he won't like it. Man and
15:16
Speaker 3: few words. But if he was to write me a
15:18
Speaker 3: Christmas card, that would mean a lot more to me
15:21
Speaker 3: than a gift he could purchase me again, Man a
15:24
Speaker 3: few words, so very unlikely to happen, but if it did,
15:28
Speaker 3: that'd mean a whole heap.
15:29
Speaker 1: Yeah. No, I'm with you on that one. We love
15:31
Speaker 1: the nice words. Our next tip here VD is to
15:35
Speaker 1: ditch the booze genius, which I definitely need to get around.
15:39
Speaker 1: Can you talk us through this one.
15:40
Speaker 3: Look, everyone is across the expense of gifts, food, travel
15:43
Speaker 3: and everything else that adds up over the silly season,
15:47
Speaker 3: but we often forget just how expensive booze is, especially
15:50
Speaker 3: in Australia like Georgia. Do you remember back in the
15:52
Speaker 3: day when we could travel and how cheap alcohol is overseas?
15:57
Speaker 1: Oh, like in Europe. Oh my gosh, it is so cheap.
16:00
Speaker 1: But that was so exciting. I remember being in Europe
16:03
Speaker 1: with your little sister and bottles of vodka were like
16:05
Speaker 1: seven dollars, Like, okay, we'll take ten. Oh my gosh.
16:09
Speaker 1: Do you even remember being there? Yeah, Look, it's kind
16:12
Speaker 1: of like a dream now, a long time ago.
16:14
Speaker 3: All right, we digress back to Christmas conversation. But over
16:18
Speaker 3: Christmas a lot of us tend to drink a lot.
16:21
Speaker 3: And it's not necessarily us just wine after wine. It's
16:25
Speaker 3: more than consistency that we are drinking every day. Because
16:29
Speaker 3: I'll go Thursday out for drinks. Everybody seems to want
16:32
Speaker 3: to catch up before Christmas. I don't know why that exists.
16:35
Speaker 3: I'm sure you're gonna bring it up again soon, George,
16:37
Speaker 3: but we all want to catch up before Christmas, and
16:40
Speaker 3: that usually involves some form of alcoholic beverage, but it
16:43
Speaker 3: needn't actually involve that alcoholic beverage. And keeping costs down,
16:48
Speaker 3: saying you're not drinking that night completely takes the cost
16:52
Speaker 3: of alcohol off the tab, which I think is a
16:54
Speaker 3: very smart way to go, and you're going to wake
16:56
Speaker 3: up feeling a whole heap better than you would if
16:58
Speaker 3: you drank a fair few wine and then went to bed.
17:01
Speaker 1: Yeah, for sure. Question on this fee, I'm curious to
17:04
Speaker 1: hear your thoughts. If you were out for dinner with
17:07
Speaker 1: your girlfriends. You're out with three of them and they
17:10
Speaker 1: were all drinking, but you weren't. Yeah, when it came
17:12
Speaker 1: time to pay the bill, would you just split it
17:14
Speaker 1: evenly or would you say, hey, girls, I'm not drinking,
17:17
Speaker 1: so do you mind if I ooft you know, don't
17:20
Speaker 1: pay as much and we split it.
17:21
Speaker 3: I would probably say that recently. Actually it's not the same,
17:26
Speaker 3: but it's also the same. I'm in that phase of
17:29
Speaker 3: my life. Guys, I'm thirty. These is wild. My friends
17:33
Speaker 3: are having babies on purpose, and we're going out for
17:37
Speaker 3: dinner and they won't drink because obviously they're pregnant. But
17:41
Speaker 3: I'm the one that seems to go, hey, no, they
17:44
Speaker 3: don't split it evenly, like you didn't have any of
17:46
Speaker 3: the wine that we ordered. So I think that being
17:49
Speaker 3: mindful of your friends that aren't drinking as well is
17:52
Speaker 3: really important to make sure that you're not lumping an
17:55
Speaker 3: unnecessary cost on them. Like for sure, I think a
17:58
Speaker 3: lot of people are often too polite to bring it
18:00
Speaker 3: up because they don't want to seem like the stingy friend,
18:03
Speaker 3: when in an actual factor, you're not. You absolutely should say, hey,
18:07
Speaker 3: you ordered a sixty dollars bottle of wine. I don't
18:09
Speaker 3: particularly want to have to foot that cost, which is
18:12
Speaker 3: very fair.
18:13
Speaker 1: But if you're the one ordering the.
18:14
Speaker 3: Wine, have the self awareness to say, hey, ge, you
18:17
Speaker 3: didn't have any of this, do you want to just
18:19
Speaker 3: split it differently?
18:20
Speaker 2: Love it?
18:20
Speaker 3: And they'll often be like, oh, yeah, okay, because that's
18:23
Speaker 3: what they were thinking anyway.
18:24
Speaker 1: Yeah for sure, okay. Perfect. Our last tip here before
18:27
Speaker 1: we head to the break V is that if you're hosting,
18:30
Speaker 1: don't be afraid to ask people to bring plates, to
18:34
Speaker 1: bring their own booze, etc. Genius. Yeah, because obviously that
18:38
Speaker 1: can get very expensive if you're footing the costs for everything.
18:41
Speaker 3: Right, it also makes things so much easier on the day,
18:45
Speaker 3: like instead of having to organize an entree and snacks
18:48
Speaker 3: and probably a cheese platter, and cheese platters can add
18:51
Speaker 3: up so quickly. Throw back to the time we did
18:53
Speaker 3: our twenty five dollars Audi cheese platters. Yes, that was,
18:56
Speaker 3: Oh my gosh, that was probably one of my favorite
18:58
Speaker 3: collaborations we've ever done. Like I still talk to people
19:02
Speaker 3: about the time we did that and it was just
19:04
Speaker 3: so fun. But it's one of those things where if
19:07
Speaker 3: you divvy it all up one people feel like they're contributing.
19:11
Speaker 3: Usually when you go to somebody else's house, you would
19:13
Speaker 3: take a gift, right, but you probably don't have to
19:16
Speaker 3: do that if you're bringing a dessert or contributing in
19:18
Speaker 3: some way to the meal, So that actually takes that
19:21
Speaker 3: cost away as well, Like why would you bring a
19:23
Speaker 3: box of favorites if you've just made a giant have
19:26
Speaker 3: Like it makes sense to divvy those things up. It
19:28
Speaker 3: means that everybody stress is less, everybody feels like they're contributing,
19:32
Speaker 3: and we have a better time because arguably my cooking
19:35
Speaker 3: isn't as good as everybody else's.
19:37
Speaker 1: We love. Okay, we will be back after a very
19:40
Speaker 1: short break with the rest of our festive tips, So
19:42
Speaker 1: please don't go anywhere, guys. Alrighty VD, Let's jump bake.
19:47
Speaker 3: Bake, Let's jump bake.
19:50
Speaker 1: We are in J King. What is our next tip?
19:52
Speaker 1: That is staying? Do you say that's staying? Absolutely that
19:57
Speaker 1: let's say baic into it. I don't know what happened there.
20:01
Speaker 1: That's okay. It is to be on. It is to
20:05
Speaker 1: shop sooner than later, genius, tell us about it, fee genius.
20:09
Speaker 3: Obviously, we mentioned before that Christmas Eve shopping is not
20:13
Speaker 3: a good idea. One because you're under a heap of
20:15
Speaker 3: fresher too because you probably should be in bed. But three,
20:18
Speaker 3: you end up getting things that people don't want just
20:20
Speaker 3: because you want to get a gift. So write down
20:22
Speaker 3: your list. Arguably shop online so that you can use
20:25
Speaker 3: systems like shop back and make sure that you're using
20:27
Speaker 3: discount codes and like sign up codes. Now, Jking, this
20:31
Speaker 3: might be a little controversial side tip. But I know
20:33
Speaker 3: heaps of websites allow you to use a ten percent
20:36
Speaker 3: discount for signing up to their newsletter, but it's for
20:39
Speaker 3: your first purchase. But hypothetically, if you hadn't purchased from
20:42
Speaker 3: your work email before, maybe you should sign up again
20:45
Speaker 3: and reap the benefits of having that ten percent reapplied
20:49
Speaker 3: to you. Personally, I think it's a genius idea.
20:51
Speaker 1: Surely everyone does that, right? I thought everybody does that?
20:54
Speaker 1: Or is it just us? I don't know, maybe we
20:56
Speaker 1: just sound really dodgy, but I.
20:57
Speaker 3: Think it's a really smart idea, Like why why not?
21:00
Speaker 1: Definitely okay? Next to Pierre is to get your dey
21:05
Speaker 1: on Jessica Richie's style and opt for homemade gifts. Oh
21:08
Speaker 1: my gosh, I can't wait.
21:10
Speaker 3: I know jess is going to make so many cute
21:13
Speaker 3: homemade things this year. If you guys don't follow her
21:15
Speaker 3: on Instagram, you absolutely should because she is the most
21:19
Speaker 3: festive person think this way. She has negotiated with her
21:22
Speaker 3: partner to be allowed to put the Christmas tree up early,
21:24
Speaker 3: she forces him to wear matching pajamas with her at
21:27
Speaker 3: Christmas time, and she has made the entire She's on
21:31
Speaker 3: the money Christmas tree, but all the ball balls are
21:34
Speaker 3: handmade and hand painted, and then she's like cricketed labels
21:39
Speaker 3: so that it looks like a branded She's on the
21:40
Speaker 3: money ball bull. So if you see a picture on
21:43
Speaker 3: Instagram soon of our Christmas festive content which is coming,
21:47
Speaker 3: because yay, but everything's been had made by Jess, Like
21:51
Speaker 3: is that not wild?
21:52
Speaker 1: That is obscene? What a crafty young woman I know?
21:56
Speaker 3: And she was doing it the other day on Zoom actually,
21:58
Speaker 3: because like sometimes working from home is a little bit lonely,
22:01
Speaker 3: So I'll be bopping away and Jess and I will
22:03
Speaker 3: just be on Zoom while we're working on separate things.
22:06
Speaker 3: It feels like we're in the office. It's really cute.
22:08
Speaker 3: But she's just like at her dining table doing her
22:11
Speaker 3: craft DIY things, feeling all of these ballbles full of
22:14
Speaker 3: like that she's on the money colored paints, and I
22:17
Speaker 3: was just like so envious. But I'm glad you don't
22:19
Speaker 3: have me there because I would mess that up royally.
22:22
Speaker 3: But again I digress. Let's get back into our DIY tips.
22:26
Speaker 3: How cute are homemade gifts, George?
22:28
Speaker 1: They can be cute, they can also be putrid, but
22:31
Speaker 1: they can be cute.
22:32
Speaker 3: And gee, we had this conversation before the show about
22:35
Speaker 3: we did what are we going to talk about when
22:37
Speaker 3: it comes to DIY. We've obviously got our list of ideas. However,
22:41
Speaker 3: some diys can be more questionable than not, and sometimes
22:45
Speaker 3: you just feel a little bit all it when it
22:48
Speaker 3: comes to thinking about diying something, because you're like, are
22:51
Speaker 3: people actually going to like that? I'm not very crafty,
22:54
Speaker 3: So we've got a couple of hot tips that hopefully
22:57
Speaker 3: aren't cringe worthy, because we know that a chriss times.
23:00
Speaker 3: Sometimes you get DIY gifts thee like, oh, thanks, Like,
23:04
Speaker 3: do you remember in pre school Georgia. I don't know
23:07
Speaker 3: if you guys did this, but the paper plate the
23:09
Speaker 3: toilet roll, cutting the paper plate in half and making
23:12
Speaker 3: like an angel.
23:13
Speaker 1: Out of it? Ah yeah, yeah yeah iconic.
23:15
Speaker 3: Yeah, and you'd like paint it why and put some
23:17
Speaker 3: glitter on it? And I would give that to my
23:19
Speaker 3: parents and like that's very specific because my parents still
23:22
Speaker 3: have that on their Christmas tree because I made it
23:25
Speaker 3: for them when it was like five. Yes, that's not
23:28
Speaker 3: the type of DIY were talking this Christmas.
23:30
Speaker 1: Though, are we? George? Not quite? Not quite? My suggestion
23:34
Speaker 1: was to go for printing out like a gorgeous photo
23:38
Speaker 1: of the person that you're gifting this gift too, and yourself,
23:42
Speaker 1: perhaps not their.
23:43
Speaker 3: Instagram selfies, though that would be comminditive weird. I mean
23:47
Speaker 3: you could do that if they're really into themselves.
23:49
Speaker 1: Exactly for the narcissists, they'll love that. But you know,
23:52
Speaker 1: duckdown to km up, grab yourself a cheap frame, print
23:55
Speaker 1: out the photo to a high quality, pop the photo
23:57
Speaker 1: in the frame, you're see where it's going, and you've
23:59
Speaker 1: got a gorgeous friend photo. That story adds I love photos,
24:03
Speaker 1: it does. It all adds up.
24:05
Speaker 3: I love photos as well, And to be honest, I
24:07
Speaker 3: think in this day and age, I know that sounds
24:09
Speaker 3: so old, but we don't print that many photos of ourselves.
24:13
Speaker 3: And I remember, definitely we don't print that many photos
24:16
Speaker 3: to have around our home. So someone gave me a
24:19
Speaker 3: really cute frame with a photo in it, I'd be like,
24:20
Speaker 3: oh my gosh, cute like and pop that beside my
24:23
Speaker 3: bed or on my mantle or wherever. So I think
24:26
Speaker 3: I really like that. The idea I had was I
24:29
Speaker 3: actually had two ideas.
24:31
Speaker 1: The first one was around cooking.
24:33
Speaker 3: If you can cook, so I think Jess and I
24:35
Speaker 3: soon are going to do a live on Instagram when
24:38
Speaker 3: we make Christmas Crack, which if you haven't heard of
24:41
Speaker 3: that before, it's like a salty, sweet Christmas treat that
24:44
Speaker 3: is so easy to make and impresses literally everybody. And
24:49
Speaker 3: I love it because it can kind of be hacked
24:51
Speaker 3: in a million different ways. So it's got gluten in it,
24:54
Speaker 3: but if you want to have a gluten free treat,
24:56
Speaker 3: you can swap it out for gluten free biscuits that
24:58
Speaker 3: you use.
24:59
Speaker 1: If you're vegan, you can use vegan chocolate.
25:01
Speaker 3: So it's very easy to switch around and make suit you.
25:05
Speaker 3: And every time I've gifted it, the reviews are raving,
25:10
Speaker 3: like it's not the prettiest thing in the world, and
25:12
Speaker 3: you can kind of laugh about it and be like,
25:13
Speaker 3: oh my gosh, I made this for you. And you
25:15
Speaker 3: can make little cute tags, and in fact, George I
25:19
Speaker 3: convinced Jess to create little custom DIY tags that you
25:23
Speaker 3: guys can print out and use for these, which I
25:26
Speaker 3: think will be really fun with the recipe on the
25:28
Speaker 3: back so they can make more because that's really cute.
25:32
Speaker 3: So that is a good idea. Baking something is always
25:34
Speaker 3: a good idea, George, you're really good at rumbles.
25:37
Speaker 1: I have heard. Yeah, yeah, I'm not bad. They're pretty good.
25:40
Speaker 3: We learn about them in grade six home economics, right,
25:44
Speaker 3: I think they're really good. But then the other thing
25:47
Speaker 3: was making a favorites hamper for somebody. So if you're
25:50
Speaker 3: a little bit stratificash and don't want to do something
25:53
Speaker 3: too homemade, but want to go purchase something, but you
25:56
Speaker 3: can't think of anything in your budget, Camart have real
26:00
Speaker 3: great range of like candles and face masks and chocolates,
26:04
Speaker 3: and you could put together a little hamper that would
26:06
Speaker 3: cost you no more than ten or fifteen dollars, depending
26:09
Speaker 3: on what you decided to put in it, and you
26:10
Speaker 3: could write a really beautiful card about them looking after
26:13
Speaker 3: themselves and having a night in or something like that.
26:16
Speaker 3: And you've put together a few things that you think
26:18
Speaker 3: they would really enjoy, and oh my gosh, I would
26:20
Speaker 3: think that that present was literally the best.
26:23
Speaker 1: Love that suggestion from you VD. But there were also
26:26
Speaker 1: some excellent suggestions in the Facebook group you go Fast
26:30
Speaker 1: with your fabs.
26:30
Speaker 3: So last week in our community, Ebany posted a really
26:35
Speaker 3: great post. She said, Hey, friends, is it too early
26:38
Speaker 3: to talk about Christmas, I want to start a thread
26:40
Speaker 3: of thrifty slash money saving ideas for Christmas presents. Please
26:44
Speaker 3: share your tips below. And completely unsurprising, the first person
26:48
Speaker 3: to comment was our very own Jessica Ricki, who didn't
26:51
Speaker 3: contribute anything, but I came here to say it's never
26:54
Speaker 3: too early for Christmas.
26:55
Speaker 1: Go figure.
26:56
Speaker 3: But there are more than one hundred and fifty different
26:59
Speaker 3: ideas is on this thread, so go have a look.
27:02
Speaker 3: I'm not going to read them all out right now,
27:04
Speaker 3: but there were a few hot ones that I am
27:06
Speaker 3: going to call out now. The first one was from Emma.
27:09
Speaker 3: Emma said possibly controversial, No, my friend did. Absolutely isn't
27:12
Speaker 3: because I have one hundred percent agree with you, But
27:15
Speaker 3: don't go broke this Christmas. Consider regifting.
27:18
Speaker 1: I love that idea.
27:20
Speaker 3: Like, if you've been gifted a gift that you know
27:22
Speaker 3: you're not going to use, but you know somebody else
27:24
Speaker 3: will love, there is absolutely no shame in gifting that
27:28
Speaker 3: to somebody else.
27:28
Speaker 1: Oh absolutely not.
27:29
Speaker 3: Like if you've got a cute little hand cream set
27:31
Speaker 3: that you're like, I'm just not going to use this.
27:33
Speaker 3: What a great little gift to pop in the cupboard
27:35
Speaker 3: and use for someone you know would love that.
27:38
Speaker 1: Actually, one ve that I feel like a lot of
27:40
Speaker 1: people listening could probably relate to is when you get
27:43
Speaker 1: gifted like a Kolsmeya voucher for your birthday or for
27:47
Speaker 1: Christmas from like your grandma, and then you just swap
27:49
Speaker 1: it with your mum and she gives you cash and
27:52
Speaker 1: then you run. Did you ever do that?
27:54
Speaker 3: No?
27:55
Speaker 1: I never did that. Okay, just me, just you, babe.
27:58
Speaker 3: But like that sounds like a very george thing to
28:01
Speaker 3: do to want to hold a cash, So that makes
28:03
Speaker 3: a lot of sense. Rice has said, we do Secret Center.
28:07
Speaker 3: Instead of buying many presents for people for twenty dollars each,
28:10
Speaker 3: for example, we buy one present for eighty to one
28:13
Speaker 3: hundred dollars for one person. They get a good present
28:16
Speaker 3: they're actually going to use, and we don't have to
28:18
Speaker 3: buy a million different presents. So I think that is
28:21
Speaker 3: absolutely genius. Someone else said, make use of sales like
28:25
Speaker 3: the Black Friday sales to make sure that you're organized
28:28
Speaker 3: and get the best deals on the presence and you're
28:30
Speaker 3: already planning to buy. Sunshine has said op shops have
28:34
Speaker 3: a look regifting as suggested above, but especially for those
28:38
Speaker 3: secret Santa gifts or teacher type gifts. There are always
28:42
Speaker 3: really cute pots that you can pop a plant in
28:46
Speaker 3: and give as a gift, which I think is a
28:47
Speaker 3: genius idea. Emma commented and said that she draws digital portraits,
28:53
Speaker 3: which are pretty inexpensive and probably a genius idea that
28:56
Speaker 3: can be mashed together with your idea, Georgia, have a
29:00
Speaker 3: digital print made and pop it in a cute frame.
29:03
Speaker 3: I would love that as a present, and it comes
29:05
Speaker 3: across as really thoughtful because like, can you imagine the
29:08
Speaker 3: thought process behind having to organize that and then pop
29:11
Speaker 3: it in frame? I think that's just really really beautiful.
29:13
Speaker 3: And I know obviously Emma's is in that thread, so
29:15
Speaker 3: go check her out, but there are so many people
29:18
Speaker 3: who do that on like Etsy, so you can find
29:21
Speaker 3: someone who actually suits your budget and the style that
29:24
Speaker 3: you're looking for. What a genius idea from Emma. I
29:27
Speaker 3: love that genius. And the last one I'm going to
29:30
Speaker 3: share with you, George, is from our friend Jordan. She said,
29:33
Speaker 3: this year, I set out to do Christmas as cheap
29:35
Speaker 3: as possible. Although really sorry, it's not going to help
29:38
Speaker 3: you this year, but it'll help you next year.
29:40
Speaker 1: So these tips are for next year.
29:41
Speaker 3: Guys, Firstly, set up your Bullworth Everyday rewards to keep
29:45
Speaker 3: for Christmas. That way you can spend it at big
29:48
Speaker 3: w Bullies bws at Christmas time. Genius Flybys points are
29:52
Speaker 3: a really great way to do that. Obviously, we're not
29:55
Speaker 3: about tracking points and stuff that She's on the money,
29:58
Speaker 3: but if you're going to be doing gross shopping, tapping
30:01
Speaker 3: at the same time on things you were going to
30:04
Speaker 3: already buy is really smart. So she said that she
30:07
Speaker 3: now has about two hundred and sixty bucks to spend
30:10
Speaker 3: come Christmas time. That's all her food and alcohol paid. Genius.
30:15
Speaker 3: She said, Next, you shop back when shopping online and
30:18
Speaker 3: refer friends to it as well. I have about six
30:21
Speaker 3: hundred dollars sitting in there waiting for me to withdraw,
30:24
Speaker 3: she said. I also have a referral code, so if
30:27
Speaker 3: I send that to someone, we both get twenty bucks each.
30:30
Speaker 1: How good is that?
30:31
Speaker 3: Like, arguably that's better than using the She's on the
30:34
Speaker 3: money discount code. Like I shouldn't be saying that, but like,
30:38
Speaker 3: if you've got a mate that you know users shop back,
30:40
Speaker 3: like why not ask them for that and start sharing
30:43
Speaker 3: it with each other?
30:44
Speaker 1: Genius?
30:45
Speaker 3: She said, it's also great for keeping track of prices.
30:47
Speaker 3: For example, if I wanted an iPhone twelve, I can
30:50
Speaker 3: click on track price and get a notification if the
30:53
Speaker 3: price has been lowered.
30:54
Speaker 1: That's I didn't even know that was an option. Genius either,
30:58
Speaker 1: That's brilliant.
30:59
Speaker 3: And then she said, my last tip is to save
31:01
Speaker 3: your cans and bottles and trade them in for cash
31:04
Speaker 3: and keep it in a Christmas account. She said, now
31:07
Speaker 3: I have around one thousand dollars spare for Christmas that
31:10
Speaker 3: I wouldn't have had otherwise.
31:13
Speaker 1: How genius is that? That is incredible. They only do
31:16
Speaker 1: that in South Australia, though, don't they.
31:17
Speaker 3: I know, I really wish we could do the cans
31:19
Speaker 3: and bottles. But if you live in a state that
31:21
Speaker 3: does it and you're not doing it already, please friends,
31:24
Speaker 3: get on it.
31:25
Speaker 1: I want to hear all about it. Well, it doesn't
31:27
Speaker 1: sound like much, but then it adds up. It absolutely
31:29
Speaker 1: adds up.
31:30
Speaker 3: And I mean things like Flybys that you're going to
31:33
Speaker 3: tap when you're going to the supermarket.
31:35
Speaker 1: So Flybys is it Cole's and.
31:37
Speaker 3: Then you've got the rewards points over at Woolworth's, Like
31:40
Speaker 3: it just makes sense to tap these things. Because George
31:43
Speaker 3: as you, and I know our friend Jessica Ricky, who
31:46
Speaker 3: apparently this entire episode is about she should have been.
31:49
Speaker 1: On the has been.
31:50
Speaker 3: I know, like honestly, we'll see her on Friday, though.
31:53
Speaker 1: It's all good.
31:54
Speaker 3: She has been saving her Flybys points for ages and
31:57
Speaker 3: she almost has enough in her little flybyst to swap
32:00
Speaker 3: her points for KitchenAid stand mix up, which are usually
32:04
Speaker 3: so expensive, and I know she can't wait for that,
32:06
Speaker 3: so that's really exciting.
32:07
Speaker 1: But it obviously does add up. So it does.
32:09
Speaker 3: Benefit us to be always tapping and making sure that
32:12
Speaker 3: we are making the most of every dollar we spend.
32:15
Speaker 1: Yeah, amazing. Should we move back on to our last
32:18
Speaker 1: four tips for the day VD.
32:19
Speaker 3: I believe so, But I'm hoping that none of our
32:22
Speaker 3: she's on the money friends had spoiled our last tips
32:25
Speaker 3: cheeking because we thought long and hard about pulling those together.
32:28
Speaker 1: All right, I'm not going to lie. V One of
32:31
Speaker 1: them was a little bit spoiled, and that was to
32:34
Speaker 1: implement Chris Kringles or secret Santas into your families and
32:38
Speaker 1: friendship groups. It's a good tip. It's a good tip.
32:40
Speaker 3: It's a great tip. It's classic tip. This one's existed
32:43
Speaker 3: for a very long time, and I feel like not
32:45
Speaker 3: in our family to do it, so gee, we do
32:48
Speaker 3: Chris Kringle in our family and it has worked for
32:50
Speaker 3: a number of years. I really like it. It takes
32:53
Speaker 3: a lot of stress off. But on Steve's side of
32:56
Speaker 3: the family, which I adore, we've overlaid rules on top
33:00
Speaker 3: of that. G so the present has to be handmade,
33:02
Speaker 3: homemade or second hand, and I think that that has
33:06
Speaker 3: meant one it's a little bit harder to organize Christmas,
33:09
Speaker 3: but two, it's just so economical. It's good for the environment,
33:12
Speaker 3: it's good for our wallets. A couple of years ago,
33:15
Speaker 3: we bought our niece and nephew a little kitchen off
33:17
Speaker 3: of gum Tree, and it was like forty dollars and
33:20
Speaker 3: it included all of the bells and whistles, like you know,
33:23
Speaker 3: all those like tiny little pots and pans and plates
33:25
Speaker 3: and like little fake fruits and stuff that they could
33:27
Speaker 3: chop because they like velcrode together. It was so cool
33:30
Speaker 3: and so cheap. But the kids have got literally so
33:34
Speaker 3: much joy out of that present, and it cost us
33:36
Speaker 3: forty bucks and they still use it to this day.
33:39
Speaker 3: So I feel like a homemade handmaid or second hand
33:43
Speaker 3: present is a really fun thing to do and perhaps
33:46
Speaker 3: you guys could implement that in your families as well,
33:49
Speaker 3: because everyone had a lot of fun working it out.
33:52
Speaker 3: And I mean, obviously with the handmade element of that,
33:55
Speaker 3: if you still want to buy a present, you can,
33:58
Speaker 3: it just has to be a little bit more thoughtful,
34:01
Speaker 3: which I really liked. And obviously there's a lot of
34:03
Speaker 3: beautiful handmade candles and soaps and like I got a
34:06
Speaker 3: little handmade like coin purse out of seagrass and it's
34:10
Speaker 3: still in my handbag.
34:11
Speaker 1: I love it.
34:11
Speaker 3: So I feel like it's a really fun thing to
34:14
Speaker 3: do at Christmas time and it makes it a little
34:16
Speaker 3: bit more fun as well because we are so competitive
34:20
Speaker 3: and we were just so excited to like find the
34:22
Speaker 3: best secondhand thing, so it worked for us really well.
34:26
Speaker 1: Love it. Okay, the next to PV is to choose
34:29
Speaker 1: free Christmasy events instead of pricey dinners for your inevitable
34:34
Speaker 1: pre Christmas catchups.
34:36
Speaker 3: Genius. There's so much going on in the city of Melbourne,
34:40
Speaker 3: whether it is lights or Christmas carols, like get to it.
34:43
Speaker 3: Maybe you want to go for a walk with a friend,
34:46
Speaker 3: grab a drink or have a little bit of a
34:48
Speaker 3: picnic and then go past the famous Maya windows, or
34:51
Speaker 3: what about going to the Christmas markets? Like I feel
34:53
Speaker 3: like all of that is just so much fun. It
34:56
Speaker 3: is so festive as well, instead of just like heading
34:58
Speaker 3: out for dinner, which would be a normal dinner, but like,
35:01
Speaker 3: why not grab a picnic rug and go to the
35:03
Speaker 3: Carrols together?
35:04
Speaker 1: Like is that not cute? I would think that's cute? Yeah, gorgeous.
35:08
Speaker 1: I've always wanted to go to the Carrols. Maybe this
35:10
Speaker 1: could be the year.
35:10
Speaker 3: Oh my gosh, let's go to the Carrols.
35:12
Speaker 1: Gee wholesome socialis Carrol.
35:15
Speaker 3: I was gonna say they also do the day before
35:18
Speaker 3: rehearsal that you can go to.
35:20
Speaker 1: We could go, Genie, you're most famous enough v to
35:23
Speaker 1: be invited up there on the stage with a little mic,
35:25
Speaker 1: do some singing. Not a chance. Oh wear the dresses,
35:29
Speaker 1: but I am not singing a little Donkey. I can
35:31
Speaker 1: see you up there singing Little Donkey. Yeah, that's my favorite.
35:33
Speaker 1: I like Carol. Do you know Little Donkey? Anyways? At night?
35:37
Speaker 1: A classic classic choice ranger? Yeah, a banger? Oh well
35:43
Speaker 1: for Christmas now that is the ultimate. Obviously a banger
35:47
Speaker 1: that would be we'll chat more about that later. Our
35:50
Speaker 1: second last tip for today is to rain in our
35:53
Speaker 1: non essential spending during this time so that we can
35:56
Speaker 1: funnel that extra cash towards Christmas. Obviously, this is a
36:00
Speaker 1: smart idea. Talk us through it. It's a genius idea. I'm
36:02
Speaker 1: glad you came up with us, Thanks so much. But
36:04
Speaker 1: if you're too busy to go to.
36:06
Speaker 3: The gym, why don't you freeze your membership over the
36:08
Speaker 3: Christmas period and stash that cash away. It just feels
36:11
Speaker 3: like a no brainer that I hadn't thought of. Also,
36:14
Speaker 3: making sure that you're shopping at places like Audi or
36:16
Speaker 3: the markets instead of supermarkets to make sure that you're
36:19
Speaker 3: getting the best possible deal. I'm not going to suggest this,
36:22
Speaker 3: but Georgia King has written down that you should consider
36:25
Speaker 3: ditching your daily latte if that's in line with your values.
36:29
Speaker 3: Do that. It is absolutely not in line with mine,
36:31
Speaker 3: So Georgia, I will not be ditching my oat latte
36:34
Speaker 3: for anything.
36:35
Speaker 1: And then any non essential.
36:37
Speaker 3: Spending you can cut out during this time. I think
36:40
Speaker 3: it's also a really good time to have a little
36:42
Speaker 3: bit of a think about what you are and aren't
36:45
Speaker 3: spending on. So if budget is something you want to
36:47
Speaker 3: get on top of actually sitting down and being like, well,
36:50
Speaker 3: where is my money going?
36:51
Speaker 1: What does that look like?
36:52
Speaker 3: Because you can do a little bit of an audit,
36:54
Speaker 3: and I bet you'll find some things that you're spending
36:56
Speaker 3: money on that you're like, I don't need to do that.
36:58
Speaker 3: Cut that out, and you a little bit more comfortable
37:01
Speaker 3: with the way your money is blowing, especially during the
37:04
Speaker 3: festive season.
37:05
Speaker 1: Brilliant. Okay, let's move on to our twelfth and final
37:08
Speaker 1: tip for today. Just before we get there, though, is
37:11
Speaker 1: it twelve because like the twelve days of days of Christmas? Okay,
37:15
Speaker 1: so that was the logic. Yeah, I did think twelve
37:17
Speaker 1: was an obscure number when that was suggested.
37:20
Speaker 3: Yeah, and that's why I came up with it. I
37:22
Speaker 3: was like, the twelve days of Christmas, how about we
37:24
Speaker 3: do twelve hacks or ideas to save you some cash?
37:26
Speaker 1: Holder, Like, it just made sense. It makes sense. I'm glad.
37:29
Speaker 1: I Finally, our twelfth tip B is to say no
37:35
Speaker 1: full stop. I love this. Just say no. Just say
37:39
Speaker 1: no to everything canceled, Chris. We're saying no to g
37:42
Speaker 1: We're saying no to not every social event that's coming
37:48
Speaker 1: your way. Over the next few weeks. But as we
37:50
Speaker 1: all know, December and January as well, they are manic times.
37:55
Speaker 1: Everyone always wants to catch up before christmast know why.
38:01
Speaker 1: It's silly to me, but I feel like just saying
38:04
Speaker 1: no to the events that you don't want to go
38:05
Speaker 1: to is completely fine and it's going to save you
38:08
Speaker 1: money and I'm on board for it, so just don't
38:11
Speaker 1: feel obliged.
38:12
Speaker 3: I feel like it's smart as well. I feel like,
38:14
Speaker 3: given we, especially here in Victoria, have been in lockdown
38:17
Speaker 3: for so long, it's going to be really socially exhausting
38:21
Speaker 3: for us as well. Like I'm not used to socializing
38:24
Speaker 3: as much as I used to, and that is very valid.
38:26
Speaker 3: The amount of exhaustion I would experience going out for
38:29
Speaker 3: a lot of Christmas drinks, I feel like it's going
38:32
Speaker 3: to really take it out of me. So I think
38:33
Speaker 3: we need to remember to put ourselves first. But it's
38:36
Speaker 3: a really nice thing to say, thank you so much,
38:39
Speaker 3: but no, thank you, well, thank you so much, but
38:41
Speaker 3: can we do this after. I feel like during Christmas,
38:44
Speaker 3: a very good get out of jail free card is like,
38:46
Speaker 3: oh my gosh, I'm so busy. I'd love to catch
38:49
Speaker 3: up with you when I have more time to just
38:51
Speaker 3: enjoy hanging out with you, and people go, oh my gosh,
38:54
Speaker 3: so nice of you to think that way, and you've
38:56
Speaker 3: gotten out of that situation of having to go out
38:58
Speaker 3: and having to spend that much without even having to
39:01
Speaker 3: have the conversation. You're just like, oh my gosh, gee,
39:03
Speaker 3: I'm just so busy during December. Do you think we
39:05
Speaker 3: could push that to next year so that we can
39:07
Speaker 3: actually have a really nice time out and not feel
39:09
Speaker 3: like we're overwhelmed. Like if any friend said that to me,
39:12
Speaker 3: I'd be like, oh yeah, girl, Like, let's do it.
39:14
Speaker 1: For sure, for sure. Yeah, So just don't feel that pressure.
39:17
Speaker 3: So with that, g I feel like we're done here.
39:20
Speaker 3: Those were the twelve ideas and hacks that we have
39:22
Speaker 3: to save you money this festive season.
39:25
Speaker 1: If you have any more.
39:26
Speaker 3: That you think we absolutely need to hear, please pop
39:29
Speaker 3: them in the thread that we are going to have
39:31
Speaker 3: today in the Facebook group. There's obviously already been one
39:34
Speaker 3: we just discussed it, but we're going to have a
39:36
Speaker 3: new one because I adore talking about Christmas, Jess is
39:39
Speaker 3: obsessed with Christmas, and George is pretty okay like a
39:42
Speaker 3: topic as well.
39:43
Speaker 1: Yeah, yeah, you're like, it's what. It sounds like, a
39:46
Speaker 1: good idea. Get to have a drink. You like the snacks.
39:49
Speaker 1: I love the snacks. I'm excited to try this Christmas
39:52
Speaker 1: crack you speak of.
39:53
Speaker 3: Oh my gosh, I promise this time I will not
39:57
Speaker 3: set my kitchen on fire like I did the time
40:00
Speaker 3: we made vodka pasta.
40:01
Speaker 1: Oh I missed that, but I'll have search that up.
40:04
Speaker 1: You know what, the I'll send you the pictures. Life
40:06
Speaker 1: sounds good, sounds good. All right, that's all we have
40:09
Speaker 1: time for today, guys.
40:10
Speaker 3: But just before we head off, we'd like to acknowledge
40:12
Speaker 3: and pay respect to Australia's Aboriginal and Torris Straight islander peoples,
40:16
Speaker 3: the traditional custodians of the lands, the waterways and the
40:19
Speaker 3: skies all across Australia. We thank you for sharing and
40:23
Speaker 3: the caring for the land on.
40:24
Speaker 1: Which we are able to learn.
40:26
Speaker 3: We pay respects to elders past and present, and we
40:29
Speaker 3: share our friendship and our kindness.
40:31
Speaker 1: And remember, guys, that the advice shared on She's on
40:34
Speaker 1: the Money is general in nature and does not consider
40:36
Speaker 1: your individual circumstances. She's on the Money exists purely for
40:40
Speaker 1: educational purposes and should not be relied upon to make
40:43
Speaker 1: an investment or a financial decision, and we promise. Victoria
40:47
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Speaker 1: Proprietary Limited ABYN three four one three two four six
40:55
Speaker 1: three two five seven AFSL three three nine one five
40:58
Speaker 1: one See you next week. Ye bye, guys,