1
00:00:00,400 --> 00:00:03,760
Speaker 1: Good morning everyone, and welcome back to another episode of

2
00:00:03,840 --> 00:00:08,680
Speaker 1: Sugar Mamma's Fireplay. I am your host, financial planner Cannah Campbell,

3
00:00:09,039 --> 00:00:11,360
Speaker 1: and today we're diving into a topic that is more

4
00:00:11,400 --> 00:00:15,400
Speaker 1: relevant than ever. That is how to save money, how

5
00:00:15,440 --> 00:00:19,160
Speaker 1: to stretch every dollar as the cost of living continues

6
00:00:19,160 --> 00:00:22,119
Speaker 1: to rise. I am thrilled to have a very special

7
00:00:22,120 --> 00:00:27,120
Speaker 1: guest with us today, Stacy from Budget Save Spend. Stacy's

8
00:00:27,120 --> 00:00:30,200
Speaker 1: actually been a brilliant go to resource for me and

9
00:00:30,400 --> 00:00:35,160
Speaker 1: I highly recommend her account for every Australian household right now.

10
00:00:35,400 --> 00:00:39,840
Speaker 1: She offers practical tips, budget friendly fines, and savvy strategies

11
00:00:39,840 --> 00:00:44,680
Speaker 1: to help everyone simply spend a lot less and save

12
00:00:45,159 --> 00:00:47,519
Speaker 1: so much more. So, whether you're looking to cut down

13
00:00:47,560 --> 00:00:51,680
Speaker 1: on your grocery bills, find hidden bargains, or simply get

14
00:00:51,800 --> 00:00:55,120
Speaker 1: way more bang for your buck, this episode is packed

15
00:00:55,120 --> 00:00:59,080
Speaker 1: with actionable advice, just what we all need right now.

16
00:01:10,200 --> 00:01:13,440
Speaker 1: Good morning, Stacy. Thank you so much for coming in

17
00:01:13,480 --> 00:01:17,119
Speaker 1: today and letting me pick your brain. I'm so excited,

18
00:01:17,160 --> 00:01:18,960
Speaker 1: and I've been following you for quite a few years.

19
00:01:19,520 --> 00:01:22,479
Speaker 1: You've got brilliant content and brilliant ideas Like I don't

20
00:01:22,520 --> 00:01:24,800
Speaker 1: know how you mind it all. But I want to,

21
00:01:25,160 --> 00:01:27,919
Speaker 1: first of all, go back to the beginning, ask about you,

22
00:01:27,920 --> 00:01:31,119
Speaker 1: you know, Stacy behind the you know all your tips

23
00:01:31,120 --> 00:01:34,039
Speaker 1: and trips, like had you always had a passion for

24
00:01:34,120 --> 00:01:37,560
Speaker 1: saving money or is this something that kind of was

25
00:01:37,959 --> 00:01:40,280
Speaker 1: catapulted out of something that happened in your life, like

26
00:01:40,400 --> 00:01:41,920
Speaker 1: tell me, I'm so intrigued.

27
00:01:43,400 --> 00:01:48,200
Speaker 2: Well, growing up it was a necessity. My father's quite

28
00:01:48,200 --> 00:01:51,120
Speaker 2: financially savvy, but he just liked the time. He liked

29
00:01:51,120 --> 00:01:53,840
Speaker 2: the time to shop around for deals or get the

30
00:01:53,880 --> 00:01:56,720
Speaker 2: best bargains. So that sort of fell to me being

31
00:01:56,760 --> 00:01:59,760
Speaker 2: the orders top, and that was, you know, way I

32
00:01:59,760 --> 00:02:03,520
Speaker 2: could contribute to the household was to get the groceries

33
00:02:03,720 --> 00:02:06,440
Speaker 2: purchased and save money and pay the extricity bills.

34
00:02:06,480 --> 00:02:09,840
Speaker 1: And so you've been doing this for many many years,

35
00:02:09,919 --> 00:02:12,920
Speaker 1: is like since you were a young child. Wow, Yeah,

36
00:02:13,040 --> 00:02:15,679
Speaker 1: I bet your father loved seeing the bargains that you

37
00:02:15,720 --> 00:02:16,200
Speaker 1: would find.

38
00:02:16,880 --> 00:02:18,960
Speaker 2: Definitely, it's like some of the bigger bargains. And I

39
00:02:19,000 --> 00:02:22,480
Speaker 2: told my parents with was many many years ago they

40
00:02:22,520 --> 00:02:25,240
Speaker 2: had the where you could claim money health insurance for

41
00:02:25,600 --> 00:02:29,320
Speaker 2: campig centrals and sleeping bags and things like that. And

42
00:02:29,760 --> 00:02:33,280
Speaker 2: I remember as a teenager going and getting sorry going in,

43
00:02:34,440 --> 00:02:36,760
Speaker 2: putting the receipts in and having enough money to pay

44
00:02:36,760 --> 00:02:37,840
Speaker 2: for family holiday.

45
00:02:38,600 --> 00:02:42,280
Speaker 1: You're kidding. Wow, So it's like doings were really long. No,

46
00:02:42,360 --> 00:02:46,040
Speaker 1: it's like always in your blood. So then what motivated

47
00:02:46,080 --> 00:02:48,239
Speaker 1: you then to share with everyone else all the tips

48
00:02:48,240 --> 00:02:48,720
Speaker 1: and tricks?

49
00:02:49,800 --> 00:02:54,440
Speaker 2: Well, I was I have a history of studying social science,

50
00:02:55,840 --> 00:02:59,679
Speaker 2: and particularly when I was working in community service roles,

51
00:03:00,560 --> 00:03:02,920
Speaker 2: there was such a need. I noticed that there was

52
00:03:03,240 --> 00:03:06,360
Speaker 2: such a need out there, and also that people just

53
00:03:06,400 --> 00:03:10,520
Speaker 2: didn't know where to sort of look on different even

54
00:03:10,639 --> 00:03:14,520
Speaker 2: with released to say SemLink payments, not many people sort

55
00:03:14,560 --> 00:03:17,200
Speaker 2: of knew how to apply or what they could be

56
00:03:17,200 --> 00:03:17,840
Speaker 2: eligible for.

57
00:03:18,520 --> 00:03:21,280
Speaker 1: Wow, you know you were so on the money there,

58
00:03:21,320 --> 00:03:25,200
Speaker 1: because you know, being frugal and being savvy with money,

59
00:03:25,320 --> 00:03:28,240
Speaker 1: it does involve time. It does take time to shop around.

60
00:03:28,840 --> 00:03:31,280
Speaker 1: And if you're able to help people save money but

61
00:03:31,320 --> 00:03:34,600
Speaker 1: also save time along the way, that is just so

62
00:03:34,760 --> 00:03:38,040
Speaker 1: incredibly valuable right now, and it really does take a

63
00:03:38,040 --> 00:03:41,119
Speaker 1: lot of stress and pressure off people's shoulders, particularly when

64
00:03:41,160 --> 00:03:45,960
Speaker 1: household budgets are running so incredibly tight. And I can

65
00:03:46,000 --> 00:03:48,520
Speaker 1: see that's why you've driven so much success to your

66
00:03:48,600 --> 00:03:53,160
Speaker 1: social channels now for someone who is just starting to,

67
00:03:53,240 --> 00:03:56,440
Speaker 1: I guess, wake up to you know, the whole financial

68
00:03:56,480 --> 00:03:59,480
Speaker 1: wellbeing story and start to be more mindful with their

69
00:03:59,480 --> 00:04:03,600
Speaker 1: money and to want to be more frugal and budget harder.

70
00:04:04,240 --> 00:04:08,000
Speaker 1: Where is the best place to start in thinking about

71
00:04:08,040 --> 00:04:10,400
Speaker 1: how to get their budget under control?

72
00:04:10,440 --> 00:04:13,320
Speaker 2: Again, I'm really not one of these. This is for

73
00:04:13,440 --> 00:04:15,920
Speaker 2: your no that honestly, I.

74
00:04:15,920 --> 00:04:18,960
Speaker 1: Completely disagree you. You're switched off with Mary. I've read

75
00:04:19,040 --> 00:04:21,520
Speaker 1: stories you've written, and I felt a lot of stalking

76
00:04:21,560 --> 00:04:23,080
Speaker 1: of you, and you're sappy.

77
00:04:23,360 --> 00:04:27,840
Speaker 2: I would actually consider myself more a spend holy coner budget. Okay,

78
00:04:28,000 --> 00:04:32,200
Speaker 2: all right? For me, it's you know, I love spending,

79
00:04:33,080 --> 00:04:36,760
Speaker 2: even even in my Instagram name. It's sort of I

80
00:04:36,800 --> 00:04:40,840
Speaker 2: am a spender by nature. I'm sorry, I'm a same

81
00:04:40,920 --> 00:04:44,120
Speaker 2: of my nature, Amy, I mean out having a challenge girl.

82
00:04:44,120 --> 00:04:46,240
Speaker 1: That one so for someone who wants to be so

83
00:04:46,279 --> 00:04:49,159
Speaker 1: oided with money, And you know there's someone who loves

84
00:04:49,200 --> 00:04:52,600
Speaker 1: to shop and doesn't really shop it without ever stopping

85
00:04:53,080 --> 00:04:55,240
Speaker 1: to think, well, hang on, maybe I can buy that

86
00:04:55,360 --> 00:04:58,960
Speaker 1: same item somewhere else. Would you recommend people do just

87
00:04:59,000 --> 00:05:01,000
Speaker 1: to start? Is it a matter of sitting down and

88
00:05:01,040 --> 00:05:04,640
Speaker 1: googling that particular item or you know what, what is

89
00:05:04,680 --> 00:05:05,320
Speaker 1: your advice.

90
00:05:06,000 --> 00:05:08,680
Speaker 2: There are quite a few options are Google lens for

91
00:05:08,720 --> 00:05:10,320
Speaker 2: me has been absolute chame changer.

92
00:05:10,800 --> 00:05:12,960
Speaker 1: You know, I only recently found out about Google lens.

93
00:05:13,120 --> 00:05:14,760
Speaker 1: How brilliant is it?

94
00:05:14,760 --> 00:05:19,040
Speaker 2: It is? It is absolutely amazing. Like last year, I

95
00:05:19,080 --> 00:05:20,719
Speaker 2: was like, no, I'm going to go spend money on

96
00:05:20,800 --> 00:05:25,160
Speaker 2: a new thro some ladge which are normally not only

97
00:05:25,240 --> 00:05:29,400
Speaker 2: don't spend sorry, it's it's very hard for me to

98
00:05:29,400 --> 00:05:33,479
Speaker 2: spend on feether I'm not used to spending okay, like

99
00:05:33,560 --> 00:05:37,039
Speaker 2: such as furniture, or it's very hard for me to

100
00:05:37,040 --> 00:05:39,279
Speaker 2: spend money on on on sorry, on myself.

101
00:05:39,880 --> 00:05:42,400
Speaker 1: Really. Yeah, So for all the listeners who are wondering

102
00:05:42,480 --> 00:05:45,480
Speaker 1: what Google Lens is, you've got to go and download

103
00:05:45,480 --> 00:05:48,800
Speaker 1: this app. Now. Essentially, you download the app, and if

104
00:05:48,800 --> 00:05:51,920
Speaker 1: you see something you like and you want to buy it,

105
00:05:51,960 --> 00:05:53,760
Speaker 1: but you want to know where else you can potentially

106
00:05:53,760 --> 00:05:55,960
Speaker 1: buy it or where it is the best place for

107
00:05:56,000 --> 00:05:58,279
Speaker 1: the best price, you simply take a photo of it

108
00:05:58,400 --> 00:06:02,599
Speaker 1: using the Google app lens and it will come up

109
00:06:02,640 --> 00:06:05,640
Speaker 1: with a long list of all the online shops and

110
00:06:05,680 --> 00:06:09,240
Speaker 1: retailers that have this particular item, as well as the price.

111
00:06:09,760 --> 00:06:12,880
Speaker 1: So you're able to save a lot of money and time,

112
00:06:13,320 --> 00:06:16,360
Speaker 1: very very quickly with this one app. It is an

113
00:06:16,440 --> 00:06:19,200
Speaker 1: essential app. It's like it's up there with sometimes one

114
00:06:19,200 --> 00:06:21,640
Speaker 1: of my banking apps because it really does save a

115
00:06:21,720 --> 00:06:24,400
Speaker 1: lot of money. Now, you just touched on something a

116
00:06:24,400 --> 00:06:27,440
Speaker 1: second ago where you said you feel at times uncomfortable

117
00:06:27,800 --> 00:06:31,760
Speaker 1: buying things that you wouldn't normally buy for yourself, and

118
00:06:31,800 --> 00:06:33,800
Speaker 1: that is something that a lot of people can really

119
00:06:33,839 --> 00:06:37,520
Speaker 1: relate to. And there's almost an element of self love

120
00:06:37,600 --> 00:06:40,080
Speaker 1: there as well, you know it feel you feel guilty

121
00:06:40,240 --> 00:06:42,840
Speaker 1: or bad, you know, or feel that you're being wasteful

122
00:06:42,880 --> 00:06:45,599
Speaker 1: buying something you wouldn't do. And it is even I

123
00:06:45,600 --> 00:06:47,680
Speaker 1: will admit for myself, it's sometimes hard to step out

124
00:06:47,680 --> 00:06:51,360
Speaker 1: of that. How did you, for someone who is naturally

125
00:06:51,560 --> 00:06:55,080
Speaker 1: very frugal rate it's saving and is you know, has

126
00:06:55,120 --> 00:06:58,960
Speaker 1: a budget, how did you get yourself over the line

127
00:06:59,080 --> 00:07:02,039
Speaker 1: going all right, it's okay to buy something for myself.

128
00:07:02,560 --> 00:07:05,760
Speaker 2: To actually truth be told. I went and spoke to

129
00:07:05,760 --> 00:07:08,760
Speaker 2: a psychologist and had a couple of sessions going this

130
00:07:08,839 --> 00:07:12,000
Speaker 2: is my views on money, you know, this is how

131
00:07:12,000 --> 00:07:14,800
Speaker 2: I perceive what I'm seeing, And after some discussion, I

132
00:07:14,840 --> 00:07:17,800
Speaker 2: was almost asking permission for myself to spend the money.

133
00:07:18,440 --> 00:07:22,360
Speaker 1: I'm like, no, trying to justify it exactly, trying.

134
00:07:22,120 --> 00:07:26,080
Speaker 2: To justify this is why I bought this because growing

135
00:07:26,160 --> 00:07:30,880
Speaker 2: up I didn't have much at all. My parents were

136
00:07:30,960 --> 00:07:34,440
Speaker 2: quite comfortable, but it wasn't something prioritized.

137
00:07:35,480 --> 00:07:37,400
Speaker 1: And then what was this psychologist's advice.

138
00:07:38,960 --> 00:07:41,760
Speaker 2: I have permission to spend my own money. I have

139
00:07:41,920 --> 00:07:45,960
Speaker 2: permission to be happy, yes, and I don't have to

140
00:07:46,040 --> 00:07:48,960
Speaker 2: ask or don't you know, or spending doesn't have to

141
00:07:49,000 --> 00:07:52,080
Speaker 2: be good or bad, it's just what it.

142
00:07:51,880 --> 00:07:56,680
Speaker 1: Is, exactly. And the amount of people that assume I'm

143
00:07:56,960 --> 00:08:00,440
Speaker 1: going to judge someone for spending money really upset sets me.

144
00:08:01,080 --> 00:08:01,240
Speaker 2: You know.

145
00:08:01,320 --> 00:08:02,960
Speaker 1: The other day, a friend of mine she called me

146
00:08:03,000 --> 00:08:06,040
Speaker 1: and she said, I feel really bad. I'm going on

147
00:08:06,080 --> 00:08:08,000
Speaker 1: a trip. And it was actually part of her work

148
00:08:08,000 --> 00:08:09,800
Speaker 1: and part of her passion. And I said to her,

149
00:08:10,200 --> 00:08:12,320
Speaker 1: what do you feel bad? She goes, well, I'm going

150
00:08:12,360 --> 00:08:15,480
Speaker 1: on two trips and quite close to each other, and

151
00:08:15,520 --> 00:08:17,880
Speaker 1: you'd probably be frowning upon me and saying this is

152
00:08:17,960 --> 00:08:22,640
Speaker 1: really financially responsible. I was like, don't be ridiculous. Everyone

153
00:08:22,760 --> 00:08:25,160
Speaker 1: needs to spend money, it's just about doing it in

154
00:08:25,200 --> 00:08:29,600
Speaker 1: a mindful way that prioritizes our financial wellbeing. But it's

155
00:08:29,640 --> 00:08:34,040
Speaker 1: about balance, and I spend money. I have my loves

156
00:08:34,040 --> 00:08:36,320
Speaker 1: and I have my and I occasionally waste money and

157
00:08:36,480 --> 00:08:39,280
Speaker 1: have stupid, regretful purchases. But that's part of life and

158
00:08:39,440 --> 00:08:41,520
Speaker 1: that's our rich tapestry.

159
00:08:43,080 --> 00:08:47,120
Speaker 2: And exactly saying that recently, I described sorry. This year,

160
00:08:47,160 --> 00:08:51,920
Speaker 2: I just have sorry. This year, I discovered cruising and

161
00:08:52,000 --> 00:08:54,960
Speaker 2: I'm absolutely hooked. I've been on three cruisers. I've got

162
00:08:55,000 --> 00:08:55,760
Speaker 2: six more books.

163
00:08:55,800 --> 00:08:57,760
Speaker 1: Oh you're kidding, Oh my god, wow, our ag we

164
00:08:57,880 --> 00:09:00,640
Speaker 1: have to keep going with funny how you're affored six

165
00:09:00,720 --> 00:09:03,040
Speaker 1: bruises book. But this is what I'm talking about. It's

166
00:09:03,080 --> 00:09:06,600
Speaker 1: the investment within yourself and it's an act of self

167
00:09:06,640 --> 00:09:09,040
Speaker 1: love and it's a sign of self respect. And you're

168
00:09:09,040 --> 00:09:11,880
Speaker 1: also investing in your own personal growth and development as

169
00:09:11,920 --> 00:09:16,240
Speaker 1: you visit new destinations, meet different people from different areas

170
00:09:16,360 --> 00:09:19,400
Speaker 1: and learn about the culture, and it adds to your

171
00:09:19,480 --> 00:09:20,079
Speaker 1: richness of.

172
00:09:21,360 --> 00:09:25,240
Speaker 2: And also be able to have experiences with my family

173
00:09:25,320 --> 00:09:26,680
Speaker 2: that matter matter.

174
00:09:26,520 --> 00:09:30,160
Speaker 1: More money, exactly, and investing in those moments are those

175
00:09:30,200 --> 00:09:32,600
Speaker 1: memories and they last forever like that is a brilliant

176
00:09:32,640 --> 00:09:35,439
Speaker 1: return on your on your investment. So that whatever sees

177
00:09:35,520 --> 00:09:37,480
Speaker 1: me walking down the street, please don't ever judge me,

178
00:09:37,520 --> 00:09:40,120
Speaker 1: and don't don't judge me. Don't think that I'm judging them,

179
00:09:40,160 --> 00:09:43,720
Speaker 1: but it is so far from from the truth. Now,

180
00:09:44,000 --> 00:09:45,959
Speaker 1: can you share with us, because if you've managed to

181
00:09:46,000 --> 00:09:49,520
Speaker 1: afford six cruises, I want to know everything about what

182
00:09:49,559 --> 00:09:52,640
Speaker 1: you're doing. What are some of your favorite grocery strategies

183
00:09:52,640 --> 00:09:55,280
Speaker 1: for finding the best deals, and you know, let's talk

184
00:09:55,320 --> 00:10:00,160
Speaker 1: about well clothing, that's about groceries, household items. Like you've

185
00:10:00,200 --> 00:10:03,160
Speaker 1: mentioned Google lens, which I'm obsessed with. What are your

186
00:10:03,160 --> 00:10:03,800
Speaker 1: other hacks?

187
00:10:04,200 --> 00:10:09,080
Speaker 2: Sign up for email lists, email address just for signing

188
00:10:09,160 --> 00:10:12,360
Speaker 2: up for things such as fly Buyers rewards accounts. Any

189
00:10:12,400 --> 00:10:14,760
Speaker 2: shop that you go to regularly sign up for the

190
00:10:14,840 --> 00:10:18,160
Speaker 2: email lists. Have it separate so you're not tempted to shop.

191
00:10:18,760 --> 00:10:21,280
Speaker 2: You can open it when you need and delete it

192
00:10:21,400 --> 00:10:22,439
Speaker 2: or unsubscribe.

193
00:10:23,120 --> 00:10:24,560
Speaker 1: That's such a good idea to have it as a

194
00:10:24,559 --> 00:10:27,199
Speaker 1: separate because email a dress because it is very distracting

195
00:10:27,520 --> 00:10:30,000
Speaker 1: getting those notifications and then thinking, oh, should I jump

196
00:10:30,080 --> 00:10:32,319
Speaker 1: on this sale? But if it's in a separate email

197
00:10:32,320 --> 00:10:34,480
Speaker 1: address and maybe not even look to your phone, but

198
00:10:34,520 --> 00:10:36,280
Speaker 1: maybe linked to a laptop or a desktop where you

199
00:10:36,320 --> 00:10:38,880
Speaker 1: can then access it, that's great. And obviously a lot

200
00:10:38,880 --> 00:10:42,319
Speaker 1: of websites these days had an automatic ten percent discount

201
00:10:42,520 --> 00:10:44,880
Speaker 1: or free shipping or something like that when you sign up.

202
00:10:45,480 --> 00:10:48,400
Speaker 2: Or that's actually how I got the cruisersode cheap. Really,

203
00:10:48,880 --> 00:10:52,719
Speaker 2: I saw a link on social media for Carnival, and

204
00:10:52,760 --> 00:10:54,520
Speaker 2: I'm like, you know what, I'll sign up for it.

205
00:10:55,440 --> 00:10:58,360
Speaker 2: And I did, and then I got offered a three

206
00:10:58,400 --> 00:11:04,080
Speaker 2: hundred overseas cruise. We talked free alcohol and actually on

207
00:11:04,120 --> 00:11:07,600
Speaker 2: board spending and everything as well. Public cruise three hundred

208
00:11:07,600 --> 00:11:08,079
Speaker 2: dollar crews.

209
00:11:08,160 --> 00:11:11,400
Speaker 1: Oh my gosh. All right, okay, so Google Lands signing up?

210
00:11:11,440 --> 00:11:13,360
Speaker 1: What else you hit me up?

211
00:11:13,720 --> 00:11:16,280
Speaker 2: Do you remember the entertainment book with all the little

212
00:11:16,280 --> 00:11:17,480
Speaker 2: coupons they used to.

213
00:11:17,520 --> 00:11:20,120
Speaker 1: Tut It was like a phone book, and I remember

214
00:11:20,120 --> 00:11:21,720
Speaker 1: my parents used to buy it. I think the money

215
00:11:21,720 --> 00:11:23,319
Speaker 1: you got to charity, it was really cheap. It was

216
00:11:23,360 --> 00:11:24,160
Speaker 1: like fifty dollars.

217
00:11:24,559 --> 00:11:28,320
Speaker 2: Yes, well it's actually back as an app now, and

218
00:11:28,360 --> 00:11:35,080
Speaker 2: you can get discounts on OPSM or worse restaurants, so

219
00:11:35,200 --> 00:11:36,199
Speaker 2: many other places.

220
00:11:36,400 --> 00:11:39,719
Speaker 1: Those savings I remember, like those little chopper dockets used

221
00:11:39,720 --> 00:11:41,880
Speaker 1: to come in that book. It would pay for itself

222
00:11:41,880 --> 00:11:44,640
Speaker 1: within like one or two goes. It was such great value.

223
00:11:45,200 --> 00:11:45,960
Speaker 2: Most definitely.

224
00:11:46,559 --> 00:11:49,120
Speaker 1: All right. So we've got Google Lands, we've got signing Up,

225
00:11:49,120 --> 00:11:52,160
Speaker 1: we've got the entertainment app. What else do you ever

226
00:11:52,280 --> 00:11:55,160
Speaker 1: use websites like such as like shot back or casual wards.

227
00:11:55,200 --> 00:11:57,440
Speaker 2: Well, of course you can get cash back on so

228
00:11:57,559 --> 00:12:01,240
Speaker 2: many different things, even such as traveling shots. Now it's

229
00:12:01,240 --> 00:12:07,199
Speaker 2: absolutely mind blowing. Like my most recent cruise, I got

230
00:12:07,320 --> 00:12:09,280
Speaker 2: something like forty dollars back.

231
00:12:09,400 --> 00:12:12,520
Speaker 1: That's just amazing, And it's amazing how quickly those little

232
00:12:12,520 --> 00:12:15,800
Speaker 1: things really do add up. I use both shot back

233
00:12:15,840 --> 00:12:18,559
Speaker 1: and cash awards. Probably I have a buyas towards cash rewards,

234
00:12:18,600 --> 00:12:21,360
Speaker 1: but it's whenever I love I love it. I log

235
00:12:21,400 --> 00:12:24,400
Speaker 1: in and I see my you know, money savings adding

236
00:12:24,480 --> 00:12:26,040
Speaker 1: up and what they owe me, and I know we

237
00:12:26,080 --> 00:12:28,600
Speaker 1: wait until I hit like three or one dollars before

238
00:12:28,600 --> 00:12:30,360
Speaker 1: I like cash it in and get a transfer to

239
00:12:30,400 --> 00:12:32,760
Speaker 1: the thousand dollar produce. It's addictive.

240
00:12:32,920 --> 00:12:36,640
Speaker 2: You were so disapploined. I when I have my little

241
00:12:36,679 --> 00:12:39,280
Speaker 2: cash back, I'm like, oh, that's my treat myself money,

242
00:12:39,320 --> 00:12:42,600
Speaker 2: that's my Uber eats. Because one thing I do like

243
00:12:42,640 --> 00:12:45,440
Speaker 2: about shop back is you can actually buy gift cards

244
00:12:45,480 --> 00:12:48,400
Speaker 2: with the cash back and get cash back on top

245
00:12:48,440 --> 00:12:49,240
Speaker 2: of that. Already.

246
00:12:49,520 --> 00:12:53,080
Speaker 1: That's brilliant, saving my and hustling at the same time.

247
00:12:54,160 --> 00:12:56,120
Speaker 1: All right, what about pre love Do you ever buy

248
00:12:56,240 --> 00:12:58,840
Speaker 1: like secondhand from Facebook, Marketplace, a gum Tree? Like, what

249
00:12:58,880 --> 00:12:59,640
Speaker 1: are your thoughts on that?

250
00:13:00,080 --> 00:13:04,640
Speaker 2: I have two massive tips. So first is Dress for

251
00:13:04,720 --> 00:13:10,520
Speaker 2: Success Sydney. They hold these air peak eirpeak sales with

252
00:13:11,400 --> 00:13:16,160
Speaker 2: all designer clothes rock bottom, think Tory Birds, think Cumilla,

253
00:13:16,480 --> 00:13:21,360
Speaker 2: think no, yes, oh my gosh, Rise for Success yes,

254
00:13:21,400 --> 00:13:25,640
Speaker 2: they so they hold regular sales to sell off clothes

255
00:13:25,679 --> 00:13:29,079
Speaker 2: that are not suitable for their clients to fund the organization.

256
00:13:29,800 --> 00:13:32,280
Speaker 1: Oh my goodness. Okay, right the other one you mentioned.

257
00:13:32,760 --> 00:13:35,640
Speaker 1: You said there were two Dress to Success.

258
00:13:35,440 --> 00:13:38,520
Speaker 2: And then you turn outlet in Punchbowl in Sidney.

259
00:13:39,000 --> 00:13:40,720
Speaker 1: U turn punch bowl.

260
00:13:41,120 --> 00:13:43,520
Speaker 2: So they've got a set price.

261
00:13:43,600 --> 00:13:44,040
Speaker 1: Clothing.

262
00:13:44,280 --> 00:13:48,720
Speaker 2: Dresses are three for twenty five. Any dresses. It could

263
00:13:48,760 --> 00:13:51,719
Speaker 2: be a very high end brand. They don't care at

264
00:13:51,840 --> 00:13:55,920
Speaker 2: set price. Same with skirts. Skirts are six dollars sixty

265
00:13:56,080 --> 00:13:58,720
Speaker 2: per skirt, no matter what the brand, no matter what

266
00:13:58,760 --> 00:14:04,360
Speaker 2: the size, the set pricey.

267
00:14:02,600 --> 00:14:07,640
Speaker 1: I go, I've never heard of this. Oh my gosh, wow, Okay,

268
00:14:08,200 --> 00:14:10,640
Speaker 1: you forget You're right, okay on the ex qustionon is

269
00:14:10,679 --> 00:14:12,760
Speaker 1: I feel like a freaking I get freaking you're out

270
00:14:12,800 --> 00:14:15,040
Speaker 1: with our over excited. I am going.

271
00:14:14,880 --> 00:14:16,839
Speaker 2: Sorry, I'm enjoying this, I really am.

272
00:14:17,280 --> 00:14:19,880
Speaker 1: Now. The cost of living obviously is out of control

273
00:14:19,880 --> 00:14:22,280
Speaker 1: at the moment. What are your top tips then, for

274
00:14:22,480 --> 00:14:26,880
Speaker 1: cutting down almost everyday expenses without feeling like you're sacrificing

275
00:14:26,960 --> 00:14:27,440
Speaker 1: too much.

276
00:14:28,000 --> 00:14:33,880
Speaker 2: For me, it is just little simple things like this

277
00:14:33,960 --> 00:14:36,360
Speaker 2: is a big one for me, even things like groceries.

278
00:14:36,480 --> 00:14:40,880
Speaker 2: I've started to go to a lot of factory outlets

279
00:14:40,880 --> 00:14:43,840
Speaker 2: such as the Primal Wanting Syney. These savings can be

280
00:14:43,920 --> 00:14:48,360
Speaker 2: absolutely amazing with him, like five dollars a kilough and

281
00:14:48,680 --> 00:14:50,400
Speaker 2: you know the stuff you can do with that? You

282
00:14:50,440 --> 00:14:53,560
Speaker 2: can make pizzas, sandwiches, the list goes on.

283
00:14:53,720 --> 00:14:56,400
Speaker 1: Yeah, this is a bit of a guilty admission by me.

284
00:14:56,640 --> 00:14:59,960
Speaker 1: I was I was doing solo parenting because my partner

285
00:15:00,120 --> 00:15:03,080
Speaker 1: Tom ligatory here in Hong Kong here, and I didn't

286
00:15:03,160 --> 00:15:06,080
Speaker 1: have any ham to make it hit sandwiches. And this

287
00:15:06,160 --> 00:15:08,600
Speaker 1: is really naughty. But this is just really life. And

288
00:15:09,320 --> 00:15:12,040
Speaker 1: if I could allow myself to be naughty like this,

289
00:15:12,120 --> 00:15:15,200
Speaker 1: so can everyone else. Obviously within balance. But I had

290
00:15:15,200 --> 00:15:18,040
Speaker 1: to uber eat some ham over because I could leave

291
00:15:18,040 --> 00:15:19,680
Speaker 1: the house because I've got two young kids that were

292
00:15:20,000 --> 00:15:23,280
Speaker 1: in better sleep and I needed to make their sandwiches

293
00:15:23,280 --> 00:15:27,160
Speaker 1: for school and daycare. So Uber eat Uber eats some

294
00:15:27,280 --> 00:15:30,240
Speaker 1: ham from the grocery store. I hate to think how

295
00:15:30,280 --> 00:15:33,040
Speaker 1: much I paid for literally probably about three hundred grams

296
00:15:33,040 --> 00:15:33,600
Speaker 1: of ham?

297
00:15:34,080 --> 00:15:37,600
Speaker 2: Can I don't beat yourself up? She's got to ate

298
00:15:37,720 --> 00:15:40,880
Speaker 2: subscriptions at the moment. Do you have two eb I

299
00:15:40,920 --> 00:15:41,560
Speaker 2: have got two?

300
00:15:42,720 --> 00:15:45,040
Speaker 1: Okay? On that note, do you are you member Uber one? Then?

301
00:15:45,240 --> 00:15:46,920
Speaker 2: Yes? Sorry, I've got two Uber ones.

302
00:15:47,400 --> 00:15:48,560
Speaker 1: Do you think Uber one's worth it?

303
00:15:49,000 --> 00:15:52,320
Speaker 2: Yes? Why I can be sorry? Uber one can be

304
00:15:52,360 --> 00:15:54,240
Speaker 2: worth it if you can find a free sign up.

305
00:15:54,960 --> 00:15:56,320
Speaker 1: How do you find a free sign up?

306
00:15:56,440 --> 00:16:01,840
Speaker 2: So usually os bargain okay or Google okay. So I've

307
00:16:02,080 --> 00:16:06,080
Speaker 2: gotten about eight months for free and only this month

308
00:16:06,120 --> 00:16:06,960
Speaker 2: that I've decided to.

309
00:16:06,920 --> 00:16:10,920
Speaker 1: Pay, and for people who are happy to pay, Why

310
00:16:10,960 --> 00:16:13,920
Speaker 1: do you or can't maybe find a free signup? Why

311
00:16:13,920 --> 00:16:15,040
Speaker 1: do you think it's worth it?

312
00:16:15,080 --> 00:16:18,640
Speaker 2: Definitely with the discounts or if you have got o

313
00:16:18,640 --> 00:16:20,840
Speaker 2: other choice, depending on what you're buying, it's still can

314
00:16:20,840 --> 00:16:25,480
Speaker 2: be cheaper. For example, I did a coals delivery fire

315
00:16:25,600 --> 00:16:29,080
Speaker 2: Uber eats. I got twenty dollars off the shop and

316
00:16:29,200 --> 00:16:32,920
Speaker 2: after even after fees and delivery, I still saved seven

317
00:16:33,000 --> 00:16:34,800
Speaker 2: dollars on what I would have paid if I went

318
00:16:34,880 --> 00:16:35,640
Speaker 2: myself at coals.

319
00:16:35,960 --> 00:16:38,240
Speaker 1: And then we've had to pay for petrol traffic or

320
00:16:38,600 --> 00:16:41,520
Speaker 1: you know part try park or you know, lug around

321
00:16:41,640 --> 00:16:44,840
Speaker 1: a grocery bag or push around a trolleyed and an

322
00:16:44,840 --> 00:16:46,880
Speaker 1: asle of busy people. I mean, your time's worth more.

323
00:16:47,080 --> 00:16:49,160
Speaker 2: And there's somebody who doesn't drive that, you know, that

324
00:16:49,320 --> 00:16:51,400
Speaker 2: just saved me exacly, ask somebody.

325
00:16:51,800 --> 00:16:54,840
Speaker 1: And also I noticed with uber one is that they're

326
00:16:54,880 --> 00:16:58,440
Speaker 1: quite often some specials, you know occasionally like fish bowl,

327
00:16:58,480 --> 00:17:01,800
Speaker 1: will do you know dinner and it's like ten dollars

328
00:17:01,840 --> 00:17:03,760
Speaker 1: each and you know, for nights where it's just Tom

329
00:17:03,800 --> 00:17:06,000
Speaker 1: and I and the kids are having something you know simple,

330
00:17:06,440 --> 00:17:08,280
Speaker 1: it's a nice way of having a really healthy salad

331
00:17:08,320 --> 00:17:11,320
Speaker 1: for dinner that's a total of twenty dollars. And yes,

332
00:17:11,400 --> 00:17:13,800
Speaker 1: obviously it's a bit of a splurge, it's a bit

333
00:17:13,840 --> 00:17:16,119
Speaker 1: of a guilty pleasure. But sometimes those nights when you're

334
00:17:16,160 --> 00:17:19,199
Speaker 1: just exhausted and can't you know, think about what you're

335
00:17:19,200 --> 00:17:21,480
Speaker 1: gonna put together, it's it's sometimes it's an investment. In

336
00:17:21,520 --> 00:17:23,520
Speaker 1: your own mental health and energy, so you can eat

337
00:17:23,520 --> 00:17:26,000
Speaker 1: dinner as a family, get to bed quickly, exit for

338
00:17:26,000 --> 00:17:27,719
Speaker 1: a bit cleaning up, and you know, get a good

339
00:17:27,800 --> 00:17:29,880
Speaker 1: quality night sleep so you can hit the ground running

340
00:17:29,920 --> 00:17:30,480
Speaker 1: the next day.

341
00:17:30,840 --> 00:17:34,479
Speaker 2: Of course, like last year, thanks to Uber and one,

342
00:17:35,280 --> 00:17:38,600
Speaker 2: I've got something like one and a half thousand dollars

343
00:17:38,680 --> 00:17:45,000
Speaker 2: in discounts in one week. Ah what. At that time,

344
00:17:45,119 --> 00:17:49,080
Speaker 2: they were trying to prefer regional restaurants. My family went

345
00:17:49,119 --> 00:17:53,479
Speaker 2: away to Doubo and I paid for accommodation, but I

346
00:17:53,520 --> 00:17:55,920
Speaker 2: was really going to struggle to pay to cover the food,

347
00:17:56,640 --> 00:18:00,479
Speaker 2: and so I just went nuts. We all had Uber account,

348
00:18:00,560 --> 00:18:02,639
Speaker 2: so we or just did all these mad orderings. I

349
00:18:02,640 --> 00:18:04,880
Speaker 2: think it was twenty dollars off, so we just did

350
00:18:04,920 --> 00:18:09,000
Speaker 2: twenty orders at so many restaurants. The restaurants were coming

351
00:18:09,080 --> 00:18:10,879
Speaker 2: up and thanking us for doing these orders.

352
00:18:11,080 --> 00:18:14,800
Speaker 1: Really, because there's often the perception that you know, Uber

353
00:18:14,880 --> 00:18:17,080
Speaker 1: It's is squeezing as restaurants. But no, you'll find it

354
00:18:17,160 --> 00:18:18,720
Speaker 1: saying you're absente opposite.

355
00:18:19,440 --> 00:18:23,760
Speaker 2: No, I think these were really quiet restaurants who don't

356
00:18:24,000 --> 00:18:27,080
Speaker 2: didn't have a lot of trade in that period. But

357
00:18:27,119 --> 00:18:30,919
Speaker 2: I think there is some squeezing. But I think in

358
00:18:30,960 --> 00:18:36,080
Speaker 2: those respects, Uber Eats were reimbursing the restaurants.

359
00:18:35,520 --> 00:18:38,080
Speaker 1: For what That's great for the discount.

360
00:18:38,080 --> 00:18:40,760
Speaker 2: I was keep getting, Oh that's actually I actually did

361
00:18:40,800 --> 00:18:42,520
Speaker 2: put up a.

362
00:18:42,160 --> 00:18:43,960
Speaker 1: Post okay, one read to make sure I licked your

363
00:18:44,000 --> 00:18:46,800
Speaker 1: Instagram account because everyone needs to be hearing out all

364
00:18:46,800 --> 00:18:51,639
Speaker 1: these fantastic resources like impulse spending, because there are a

365
00:18:51,680 --> 00:18:54,640
Speaker 1: lot of people out there who are impulse ganders. And

366
00:18:54,760 --> 00:18:57,600
Speaker 1: people may be a consistent impulse spender, or they may

367
00:18:57,680 --> 00:19:00,800
Speaker 1: go through, you know, moments in their lives whereas you know,

368
00:19:00,960 --> 00:19:03,399
Speaker 1: something's triggered in their life and they are feeling a

369
00:19:03,400 --> 00:19:06,679
Speaker 1: bit vulnerable, and they tend to like go through a

370
00:19:06,720 --> 00:19:10,240
Speaker 1: couple of weeks where they just splurge normal stop like

371
00:19:10,280 --> 00:19:14,920
Speaker 1: an insatiable desire. Is that something you've seen yourself? And

372
00:19:15,200 --> 00:19:18,080
Speaker 1: will your advice be to someone who feels like they

373
00:19:18,160 --> 00:19:20,360
Speaker 1: kind of dabble in that emotional state?

374
00:19:20,440 --> 00:19:24,399
Speaker 2: Sometimes it's just me to a tee. Really not so

375
00:19:24,520 --> 00:19:27,399
Speaker 2: much anymore. But earlier this year, the best thing I

376
00:19:27,400 --> 00:19:30,560
Speaker 2: ever did was put a block oh my buy now

377
00:19:30,600 --> 00:19:34,760
Speaker 2: paid later accounts okay, because I was going to cycle.

378
00:19:34,840 --> 00:19:36,919
Speaker 2: I was paying it off in full, and then I

379
00:19:36,960 --> 00:19:39,560
Speaker 2: was like, oh, I've got all this money here. No,

380
00:19:39,680 --> 00:19:40,760
Speaker 2: I don't have all this money.

381
00:19:40,800 --> 00:19:42,240
Speaker 1: Yeah, I was gonna say so, Lonny.

382
00:19:43,720 --> 00:19:45,640
Speaker 2: So that was the best thing that I ever did.

383
00:19:47,080 --> 00:19:50,199
Speaker 2: So they're all paid off in full. It was like

384
00:19:50,520 --> 00:19:51,920
Speaker 2: three thousand, it's all done.

385
00:19:52,040 --> 00:19:53,600
Speaker 1: Yeah, and you've never used them since.

386
00:19:54,160 --> 00:19:55,080
Speaker 2: That's only been mate.

387
00:19:55,560 --> 00:20:00,359
Speaker 1: Okay, so fast through, so fast. Good. And look, you know,

388
00:20:01,160 --> 00:20:04,359
Speaker 1: I think sometimes some people, and I've seen this a

389
00:20:04,359 --> 00:20:08,879
Speaker 1: lot personally, is it almost becomes an addiction, the adrenaline

390
00:20:08,960 --> 00:20:12,439
Speaker 1: and chase of buy now, pay later, in that you know,

391
00:20:12,600 --> 00:20:14,760
Speaker 1: it gives them something to channel their energy on and

392
00:20:14,800 --> 00:20:16,639
Speaker 1: they're trying to pay it off. And obviously that's not

393
00:20:16,680 --> 00:20:19,280
Speaker 1: a good sign because ideally we want to be paying

394
00:20:19,320 --> 00:20:22,520
Speaker 1: for things in cash through our debit card. And obviously

395
00:20:22,560 --> 00:20:24,240
Speaker 1: there are times where buy now, pay later it works

396
00:20:24,240 --> 00:20:27,400
Speaker 1: for people's certain budgets and situations. So you know, I'm

397
00:20:27,440 --> 00:20:30,439
Speaker 1: not for or against buy now, pay later or whatsoever.

398
00:20:30,520 --> 00:20:34,119
Speaker 1: I'm just whatever's best for your financial well being. But

399
00:20:34,160 --> 00:20:36,159
Speaker 1: I do think that at times some people get this

400
00:20:36,240 --> 00:20:41,000
Speaker 1: into this the subconsciously unaware of it, which you obviously

401
00:20:41,040 --> 00:20:44,400
Speaker 1: is some conscious but they're unaware of the almost love

402
00:20:44,400 --> 00:20:47,000
Speaker 1: affair of being in that space where they're addicted to

403
00:20:47,040 --> 00:20:50,200
Speaker 1: the discipline or the having that simple goal of paying

404
00:20:50,200 --> 00:20:52,160
Speaker 1: it off, when really we could shift it into, say,

405
00:20:52,200 --> 00:20:55,000
Speaker 1: instead of being about paying off by now later saving

406
00:20:55,040 --> 00:20:57,040
Speaker 1: up for something, or having a financial goal like to

407
00:20:57,040 --> 00:20:59,480
Speaker 1: buy thousand dollars with the shares or something, you're tap

408
00:20:59,800 --> 00:21:02,440
Speaker 1: to thousand dollars of emergency money. Would you agree with

409
00:21:02,480 --> 00:21:05,320
Speaker 1: that it almost becomes like a almost like a hobby

410
00:21:05,400 --> 00:21:06,200
Speaker 1: paying things off.

411
00:21:06,359 --> 00:21:07,160
Speaker 2: Yeah, definitely.

412
00:21:07,760 --> 00:21:10,480
Speaker 1: Okay when it comes to heading to the supermarket and

413
00:21:10,840 --> 00:21:14,520
Speaker 1: buying your grocery items, because that would probably be the

414
00:21:14,680 --> 00:21:20,480
Speaker 1: third biggest expense in my household after our mortgage and childcare.

415
00:21:21,280 --> 00:21:23,320
Speaker 1: What are your tips for saving money on food?

416
00:21:24,040 --> 00:21:26,200
Speaker 2: I'm a massy fan of Audi for the every day

417
00:21:26,240 --> 00:21:28,920
Speaker 2: low price and for those who are struggling to look

418
00:21:28,960 --> 00:21:33,080
Speaker 2: at community food resources where you can go and purchase

419
00:21:33,440 --> 00:21:37,000
Speaker 2: food at lower cost, and you're supporting the organization to

420
00:21:37,000 --> 00:21:39,399
Speaker 2: support those who cannot.

421
00:21:39,119 --> 00:21:41,920
Speaker 1: For food for stop. Yeah. What are your favorite things

422
00:21:41,920 --> 00:21:42,760
Speaker 1: to pick up it out?

423
00:21:43,480 --> 00:21:45,240
Speaker 2: I would have to say meat. I think at the

424
00:21:45,240 --> 00:21:48,639
Speaker 2: moment I was normally so picking up me at Audi

425
00:21:48,680 --> 00:21:51,720
Speaker 2: for so long, and then the last one or two

426
00:21:51,760 --> 00:21:54,080
Speaker 2: years I've had a real short of shift back because

427
00:21:54,480 --> 00:21:57,880
Speaker 2: it's quality, it's affordable, and it's tasty.

428
00:21:58,760 --> 00:22:01,280
Speaker 1: Only on the weekend. Part of my girlfriends were telling

429
00:22:01,280 --> 00:22:03,439
Speaker 1: me about the chicken some sort of chicken strips or

430
00:22:03,920 --> 00:22:08,840
Speaker 1: chicken tenderloins which are really cheap and absolutely delicious. Studd

431
00:22:08,840 --> 00:22:10,200
Speaker 1: about those, not.

432
00:22:10,280 --> 00:22:14,200
Speaker 2: Really, but I love the chicken. The chicken pad thaie

433
00:22:14,280 --> 00:22:17,720
Speaker 2: kit that is amazing. It's something like fifteen.

434
00:22:18,040 --> 00:22:21,400
Speaker 1: And also I've heard the chocolate is delicious, yes, definitely,

435
00:22:21,480 --> 00:22:24,200
Speaker 1: And I've heard the selection of cheeses is great as well.

436
00:22:24,520 --> 00:22:27,239
Speaker 1: And I have also heard I really need to get

437
00:22:27,280 --> 00:22:30,640
Speaker 1: my ass into Albie. I've also heard that the wine

438
00:22:31,200 --> 00:22:33,080
Speaker 1: is really rising present and they actually won a lot

439
00:22:33,119 --> 00:22:36,560
Speaker 1: of awards. Have you heard that? Yes? Yeah? Okay, all right,

440
00:22:36,600 --> 00:22:38,240
Speaker 1: so all these where we need to be looking at

441
00:22:38,280 --> 00:22:42,040
Speaker 1: doing our grocery shopping when it cuts things like utilities

442
00:22:42,520 --> 00:22:48,679
Speaker 1: in the gas, electricity bills, transportation, what are your hacks there? Okay?

443
00:22:49,680 --> 00:22:52,720
Speaker 2: So last year, with the Optus out each I end

444
00:22:52,800 --> 00:22:56,080
Speaker 2: up writing the script for my followers so they could

445
00:22:56,119 --> 00:22:58,800
Speaker 2: get so. So what they did They copying a paste

446
00:22:58,800 --> 00:23:01,680
Speaker 2: to step by step into the and most of them

447
00:23:01,720 --> 00:23:03,240
Speaker 2: got one or two months knocked.

448
00:23:03,040 --> 00:23:05,160
Speaker 1: Off their bills. Just wow.

449
00:23:05,280 --> 00:23:08,280
Speaker 2: By simply asking, this is what you've done for my

450
00:23:08,640 --> 00:23:11,320
Speaker 2: Oh blah blah. We just made up a fictional friend

451
00:23:11,400 --> 00:23:14,480
Speaker 2: brother relative. This is what we've done for them. What

452
00:23:14,520 --> 00:23:16,280
Speaker 2: can you do for me? I'm prepared to.

453
00:23:16,359 --> 00:23:19,199
Speaker 1: Leap gosh, I was so gorgeous, Like that is the

454
00:23:19,240 --> 00:23:23,080
Speaker 1: most sincere, kind and generous thing to actually give someone

455
00:23:23,160 --> 00:23:26,160
Speaker 1: a script so they can just easily do this themselves,

456
00:23:26,240 --> 00:23:28,600
Speaker 1: like and that is Look, the average phone bill is

457
00:23:28,600 --> 00:23:30,480
Speaker 1: brought between fifteen eighty dollars a month or so, I

458
00:23:30,520 --> 00:23:32,520
Speaker 1: know for myself it's in excess of eighty dollars. To

459
00:23:32,560 --> 00:23:35,400
Speaker 1: save two months off my bill is absolutely brilliant. So

460
00:23:35,880 --> 00:23:38,080
Speaker 1: I am actually with Octor, so I should have actually

461
00:23:38,080 --> 00:23:40,520
Speaker 1: done that if we missed the boat now, but maybe

462
00:23:40,560 --> 00:23:45,760
Speaker 1: worth a shot just anyway. And then things like you know, transportation.

463
00:23:46,480 --> 00:23:50,600
Speaker 2: So with petrol it's like absolutely crazy expense, now.

464
00:23:50,520 --> 00:23:50,920
Speaker 1: Isn't it.

465
00:23:51,119 --> 00:23:55,359
Speaker 2: Yeah, I useerhaps like the Orginus files. They've got the

466
00:23:55,440 --> 00:23:59,359
Speaker 2: fuel finder or they've got petrol spy or but I

467
00:23:59,400 --> 00:24:01,960
Speaker 2: also buy if comes from shop back all the time,

468
00:24:03,400 --> 00:24:07,399
Speaker 2: so like BP and EG. And then of course they

469
00:24:07,400 --> 00:24:10,679
Speaker 2: combine it with the every day we would right if

470
00:24:10,720 --> 00:24:13,760
Speaker 2: I'm going to go to a worst branded or flybys

471
00:24:13,800 --> 00:24:14,560
Speaker 2: for colls.

472
00:24:14,840 --> 00:24:17,399
Speaker 1: I love everyday rewards. I love watching my savings, and

473
00:24:17,400 --> 00:24:19,679
Speaker 1: I bank everything for Christmas time because obviously that's such

474
00:24:19,720 --> 00:24:22,560
Speaker 1: an expensive time of the year, especially if you're entertaining

475
00:24:22,680 --> 00:24:25,199
Speaker 1: as well. So all these savings really do add up

476
00:24:25,240 --> 00:24:27,439
Speaker 1: throughout the year, and it really frustrates me when I

477
00:24:27,440 --> 00:24:29,040
Speaker 1: come on fross people but like, oh, so, what, you

478
00:24:29,119 --> 00:24:31,920
Speaker 1: just saved ten dollars. Actually, no, that's that's a lot.

479
00:24:32,040 --> 00:24:34,520
Speaker 1: Like that means a lot, you know, when you lead

480
00:24:34,560 --> 00:24:35,679
Speaker 1: the money at the end of the year, and that

481
00:24:35,880 --> 00:24:37,920
Speaker 1: just can save your bacon.

482
00:24:38,840 --> 00:24:41,280
Speaker 2: For ten dollars, even at the moment it's a load

483
00:24:41,320 --> 00:24:43,760
Speaker 2: of bread and no exactly, and that load of bread

484
00:24:43,760 --> 00:24:45,440
Speaker 2: gets you through the week exactly.

485
00:24:46,440 --> 00:24:48,960
Speaker 1: What say the most common mistakes when people are trying

486
00:24:49,000 --> 00:24:51,439
Speaker 1: to save money and how to avoid them, Like you know,

487
00:24:51,680 --> 00:24:54,760
Speaker 1: the buy three get one for free, Like what do

488
00:24:54,800 --> 00:24:56,560
Speaker 1: you sort of go, oh, that's a trapped and fall

489
00:24:56,600 --> 00:24:56,920
Speaker 1: for it.

490
00:24:57,240 --> 00:25:00,560
Speaker 2: Personally, my biggest trap for saving is having the money

491
00:25:00,600 --> 00:25:02,040
Speaker 2: where I can touch it, where I can see it.

492
00:25:02,600 --> 00:25:04,760
Speaker 2: I needed to be out of sight, out a light,

493
00:25:05,200 --> 00:25:06,680
Speaker 2: so I'm not going to go, oh, I just need

494
00:25:06,720 --> 00:25:10,159
Speaker 2: ten dollars, transfer that from the same means no, I

495
00:25:10,240 --> 00:25:11,800
Speaker 2: need a barrier.

496
00:25:12,400 --> 00:25:15,240
Speaker 1: See you. That is so interesting you say that because

497
00:25:15,320 --> 00:25:17,560
Speaker 1: I run a budget and cash flow academy, teaching people

498
00:25:17,600 --> 00:25:19,080
Speaker 1: how to do a budget and also how to stick

499
00:25:19,080 --> 00:25:21,879
Speaker 1: to a budget. And that is the exact mindset that

500
00:25:22,000 --> 00:25:26,399
Speaker 1: I preach and follow myself. I turned to a supermarket

501
00:25:26,440 --> 00:25:29,399
Speaker 1: going right, this is our absolute maxim Lert ask me

502
00:25:29,440 --> 00:25:31,960
Speaker 1: how much we spend. If I go over that, things

503
00:25:32,000 --> 00:25:33,760
Speaker 1: have to come out of the cart, which that's what

504
00:25:33,880 --> 00:25:36,920
Speaker 1: keeps me in a safe boundary. And if I'm under

505
00:25:36,920 --> 00:25:38,960
Speaker 1: that's break because there are obviously, with the ebbs and

506
00:25:39,040 --> 00:25:41,040
Speaker 1: flows of life, I might have a busy wheat, you know,

507
00:25:41,680 --> 00:25:45,480
Speaker 1: candy genuinely need extra food. I've got that saving grace

508
00:25:45,520 --> 00:25:48,919
Speaker 1: from previously where I've come under budget. I am totally

509
00:25:48,920 --> 00:25:51,600
Speaker 1: on board with that. When it comes to you know,

510
00:25:51,720 --> 00:25:55,760
Speaker 1: your success and what you created on Instagram. You must

511
00:25:55,840 --> 00:25:57,840
Speaker 1: get so many messages from people that say, oh my god,

512
00:25:57,840 --> 00:25:59,720
Speaker 1: thank you so much. I just saved I save money,

513
00:25:59,760 --> 00:26:03,000
Speaker 1: here money there? Do you everything you can share with us.

514
00:26:04,680 --> 00:26:05,959
Speaker 2: I have a few I don't know.

515
00:26:06,640 --> 00:26:08,119
Speaker 1: I love these, I know.

516
00:26:09,000 --> 00:26:12,320
Speaker 2: One example was on the weekend I noticed one of

517
00:26:12,359 --> 00:26:15,960
Speaker 2: the one of one of the accounts I follow. He

518
00:26:16,200 --> 00:26:18,680
Speaker 2: was talking about how she's going to Europe and everything.

519
00:26:19,040 --> 00:26:20,879
Speaker 2: So I reached out and said, hey, you might not

520
00:26:21,000 --> 00:26:24,280
Speaker 2: have to pay for a U rail pass. You may

521
00:26:24,320 --> 00:26:27,280
Speaker 2: be able to get this for nothing. She was absolutely

522
00:26:27,359 --> 00:26:29,600
Speaker 2: so born away because I think it's like three thousand

523
00:26:29,680 --> 00:26:32,560
Speaker 2: dollars or something for these two months euro rap.

524
00:26:33,440 --> 00:26:33,680
Speaker 1: Wow.

525
00:26:34,960 --> 00:26:40,880
Speaker 2: But I will tell But I think the biggest difference

526
00:26:41,200 --> 00:26:45,359
Speaker 2: that my community made, not me, is in cover lockdowns.

527
00:26:46,440 --> 00:26:50,160
Speaker 2: When everybody was looking their jobs, my community stepped up

528
00:26:50,560 --> 00:26:54,680
Speaker 2: because door Dash at the time and still today gave

529
00:26:54,720 --> 00:26:57,800
Speaker 2: out twenty dollars per sign up. So I was using

530
00:26:57,840 --> 00:27:01,040
Speaker 2: that twenty dollars to pay it for it because doord

531
00:27:01,080 --> 00:27:05,160
Speaker 2: actually really was still happeningly locked down, So anybody who

532
00:27:05,200 --> 00:27:07,800
Speaker 2: needed it could just say, hey, I needed I need

533
00:27:07,920 --> 00:27:10,600
Speaker 2: some food, I need something for my kids. Can you

534
00:27:10,680 --> 00:27:11,320
Speaker 2: make it happen?

535
00:27:11,640 --> 00:27:11,960
Speaker 1: Wow?

536
00:27:12,359 --> 00:27:16,000
Speaker 2: I think we did about one hundred people families or more.

537
00:27:16,040 --> 00:27:18,560
Speaker 2: I really lost count as quite a few years ago now,

538
00:27:19,119 --> 00:27:21,159
Speaker 2: but that still sort of stays with me.

539
00:27:22,080 --> 00:27:24,800
Speaker 1: I bet, I mean that is really powerful. That just

540
00:27:24,840 --> 00:27:27,399
Speaker 1: shows you how important these things are and they do

541
00:27:27,800 --> 00:27:29,800
Speaker 1: need to be respected and everyone should be having a

542
00:27:29,840 --> 00:27:32,840
Speaker 1: really good goat right I've got two more questions for you,

543
00:27:33,080 --> 00:27:35,120
Speaker 1: and then we're going to wrap up. The first one

544
00:27:35,200 --> 00:27:37,240
Speaker 1: is is there anything in your life that you like

545
00:27:37,320 --> 00:27:41,040
Speaker 1: to splurgeohn for yourself that makes you feel good inside?

546
00:27:42,520 --> 00:27:44,800
Speaker 2: I think now is pretty dresses.

547
00:27:45,000 --> 00:27:47,600
Speaker 1: Yes, I a beautiful sluing thing.

548
00:27:49,040 --> 00:27:53,359
Speaker 2: I've sort of discovered proud poppy last year. Oh my gosh,

549
00:27:53,560 --> 00:27:59,000
Speaker 2: I'm just addicted to the word. But by when I purchased,

550
00:27:59,040 --> 00:28:01,400
Speaker 2: I wait for a sale and I use cash back

551
00:28:01,920 --> 00:28:05,840
Speaker 2: brilliant and I normally would have put it on after pay,

552
00:28:05,960 --> 00:28:07,119
Speaker 2: but no longer anymore.

553
00:28:07,240 --> 00:28:09,000
Speaker 1: Okay, well, that makes me very happy to hear that.

554
00:28:09,320 --> 00:28:12,320
Speaker 1: Then the last question I have for you is you are,

555
00:28:12,359 --> 00:28:15,040
Speaker 1: obviously you know, I would say, one of the most

556
00:28:15,040 --> 00:28:18,760
Speaker 1: switched on, savvy and frugal people I know when it

557
00:28:18,800 --> 00:28:20,800
Speaker 1: comes to spending money and finding the best deals and

558
00:28:20,800 --> 00:28:22,920
Speaker 1: getting as as I said, the best bang for your buck.

559
00:28:23,359 --> 00:28:25,840
Speaker 1: So it's in order to meet with you and to

560
00:28:25,880 --> 00:28:28,680
Speaker 1: have you come into the studio today when it comes

561
00:28:28,720 --> 00:28:31,360
Speaker 1: to saving money, do you have a financial goal that

562
00:28:31,400 --> 00:28:33,320
Speaker 1: you are working on personally?

563
00:28:34,760 --> 00:28:38,400
Speaker 2: I did, but then I've also realized that I would

564
00:28:38,440 --> 00:28:41,880
Speaker 2: never be able to afford a house, so I'm sort

565
00:28:41,920 --> 00:28:45,320
Speaker 2: of a bit in my yollow face at the moment

566
00:28:46,440 --> 00:28:51,560
Speaker 2: um where I'm more focused on creating memories, hence booking

567
00:28:51,760 --> 00:28:53,200
Speaker 2: six crews.

568
00:28:53,800 --> 00:28:56,200
Speaker 1: No, that is makes me so happy. Well, okay, what

569
00:28:56,240 --> 00:28:58,400
Speaker 1: a couple of pieces to say here. First of all,

570
00:28:58,600 --> 00:29:00,160
Speaker 1: why is I actually so happy that you have such

571
00:29:00,200 --> 00:29:02,680
Speaker 1: a fantastic goal. You know it's a lifestyle goal, and

572
00:29:02,720 --> 00:29:04,560
Speaker 1: you are saving up for that lifestyle goal at a

573
00:29:04,640 --> 00:29:07,560
Speaker 1: very financially savvy way, making sure you don't get into debt,

574
00:29:08,040 --> 00:29:10,320
Speaker 1: and you know you're making sure that you budget them

575
00:29:10,320 --> 00:29:12,720
Speaker 1: out it'll act correctly. The second thing I want to

576
00:29:12,760 --> 00:29:14,480
Speaker 1: say to you is I I said this as a

577
00:29:14,480 --> 00:29:18,479
Speaker 1: financial plan, but also someone who really believes in people,

578
00:29:18,560 --> 00:29:21,600
Speaker 1: and that is never close yourself off to a goal.

579
00:29:22,000 --> 00:29:24,360
Speaker 1: If your dream or goal is to have a property

580
00:29:24,360 --> 00:29:26,800
Speaker 1: of your own, don't ever give up on it. It

581
00:29:26,840 --> 00:29:28,719
Speaker 1: may not be tomorrow, it may and it may not

582
00:29:28,760 --> 00:29:31,440
Speaker 1: be next week, but you need to stay open to

583
00:29:31,480 --> 00:29:33,880
Speaker 1: that and keep it burning in the background because you

584
00:29:33,960 --> 00:29:36,200
Speaker 1: never know what is around the corner. You never know

585
00:29:36,240 --> 00:29:39,200
Speaker 1: what blessing. You don't never know what opportunity, You never

586
00:29:39,240 --> 00:29:41,600
Speaker 1: know what project is going to land literally in your

587
00:29:41,680 --> 00:29:45,680
Speaker 1: lap that will suddenly help make that dream become a reality.

588
00:29:46,440 --> 00:29:50,640
Speaker 1: And it is so incredibly important that you keep that

589
00:29:50,720 --> 00:29:54,240
Speaker 1: fire within yourself burning, because if it's meant to be,

590
00:29:54,400 --> 00:29:56,680
Speaker 1: it will happen. And I really do truly believe when

591
00:29:57,200 --> 00:29:59,400
Speaker 1: you want something and you put your head down and

592
00:29:59,440 --> 00:30:04,040
Speaker 1: bumm up, and it's quite incredible how the universe can

593
00:30:04,080 --> 00:30:09,280
Speaker 1: take that serious mission of yours and work miracles in

594
00:30:09,320 --> 00:30:13,160
Speaker 1: weird and wonderful ways. So please don't ever close yourself up. Okay,

595
00:30:14,200 --> 00:30:16,120
Speaker 1: all right? Look that brings us to the end of

596
00:30:16,160 --> 00:30:20,080
Speaker 1: this incredibly helpful episode with Stacy from Budgets, Save Spend.

597
00:30:20,760 --> 00:30:23,440
Speaker 1: I really hope you've taken away some really valuable tips

598
00:30:23,440 --> 00:30:26,400
Speaker 1: and strategies to help you save more and spend a

599
00:30:26,440 --> 00:30:29,880
Speaker 1: lot less no matter where you are on your financial journey.

600
00:30:30,160 --> 00:30:33,760
Speaker 1: Stacy's practical advice proves that with the right mindset and

601
00:30:33,920 --> 00:30:36,200
Speaker 1: a few savvy strategies, we could all take control of

602
00:30:36,200 --> 00:30:40,040
Speaker 1: our finances and make our money go so much further. Now,

603
00:30:40,080 --> 00:30:42,479
Speaker 1: if you found this episode helpful, please make sure you

604
00:30:42,520 --> 00:30:44,760
Speaker 1: share it with your friends, your family, or anyone else

605
00:30:44,760 --> 00:30:49,040
Speaker 1: you could benefit from these money saving tips. And I

606
00:30:49,120 --> 00:30:51,080
Speaker 1: will make sure I go and share all my Instagram

607
00:30:51,080 --> 00:30:53,720
Speaker 1: account the list of all the shops that Stacy has

608
00:30:54,200 --> 00:30:55,840
Speaker 1: so that we all know where to be buying those

609
00:30:56,000 --> 00:30:59,560
Speaker 1: Tory Birch Camilla addresses, and obviously we're to be best

610
00:30:59,560 --> 00:31:01,880
Speaker 1: place to be buying our haam and our meat, and

611
00:31:02,040 --> 00:31:04,120
Speaker 1: of course making sure that we all turn up to

612
00:31:04,160 --> 00:31:06,959
Speaker 1: Aldi and start exploring their product range which offers use

613
00:31:07,440 --> 00:31:09,960
Speaker 1: brilliant value for money. So let's spread the word and

614
00:31:10,000 --> 00:31:14,240
Speaker 1: help more people navigate these incredibly challenging times. And if

615
00:31:14,240 --> 00:31:16,640
Speaker 1: you would like to connect with Stacy dive deeper into

616
00:31:16,640 --> 00:31:19,080
Speaker 1: her wealth of knowledge, you can find her own Instagram

617
00:31:19,160 --> 00:31:21,880
Speaker 1: at budget Savespend, which I have linked in the podcast

618
00:31:21,960 --> 00:31:24,040
Speaker 1: notes for you, and this is where she saves her

619
00:31:24,120 --> 00:31:27,240
Speaker 1: daily tips, bargain findes and so much more. So please

620
00:31:27,240 --> 00:31:29,160
Speaker 1: don't ever hesitate to reach out to her with any

621
00:31:29,200 --> 00:31:33,320
Speaker 1: questions or share your own success stories. She's clearly always

622
00:31:33,520 --> 00:31:36,880
Speaker 1: really eager, passionate and ready to inspire you. Now, thank

623
00:31:36,880 --> 00:31:39,960
Speaker 1: you everyone for listening to Sugar Mama's Fireplate. Be sure

624
00:31:40,000 --> 00:31:42,680
Speaker 1: to subscribe so you never miss an episode, and let's

625
00:31:42,720 --> 00:31:47,000
Speaker 1: keep this conversation going on social media until next time.

626
00:31:47,280 --> 00:31:50,880
Speaker 1: Stay savvy and keep striving for financial freedom. I believe

627
00:31:50,880 --> 00:32:00,000
Speaker 1: in you