WEBVTT - BUDGETING QUEEN! Stacie shares her BEST MONEY SAVING HACKS! 0:00:00.400 --> 0:00:03.760 Good morning everyone, and welcome back to another episode of 0:00:03.840 --> 0:00:08.680 Sugar Mamma's Fireplay. I am your host, financial planner Cannah Campbell, 0:00:09.039 --> 0:00:11.360 and today we're diving into a topic that is more 0:00:11.400 --> 0:00:15.400 relevant than ever. That is how to save money, how 0:00:15.440 --> 0:00:19.160 to stretch every dollar as the cost of living continues 0:00:19.160 --> 0:00:22.119 to rise. I am thrilled to have a very special 0:00:22.120 --> 0:00:27.120 guest with us today, Stacy from Budget Save Spend. Stacy's 0:00:27.120 --> 0:00:30.200 actually been a brilliant go to resource for me and 0:00:30.400 --> 0:00:35.160 I highly recommend her account for every Australian household right now. 0:00:35.400 --> 0:00:39.840 She offers practical tips, budget friendly fines, and savvy strategies 0:00:39.840 --> 0:00:44.680 to help everyone simply spend a lot less and save 0:00:45.159 --> 0:00:47.519 so much more. So, whether you're looking to cut down 0:00:47.560 --> 0:00:51.680 on your grocery bills, find hidden bargains, or simply get 0:00:51.800 --> 0:00:55.120 way more bang for your buck, this episode is packed 0:00:55.120 --> 0:00:59.080 with actionable advice, just what we all need right now. 0:01:10.200 --> 0:01:13.440 Good morning, Stacy. Thank you so much for coming in 0:01:13.480 --> 0:01:17.119 today and letting me pick your brain. I'm so excited, 0:01:17.160 --> 0:01:18.960 and I've been following you for quite a few years. 0:01:19.520 --> 0:01:22.479 You've got brilliant content and brilliant ideas Like I don't 0:01:22.520 --> 0:01:24.800 know how you mind it all. But I want to, 0:01:25.160 --> 0:01:27.919 first of all, go back to the beginning, ask about you, 0:01:27.920 --> 0:01:31.119 you know, Stacy behind the you know all your tips 0:01:31.120 --> 0:01:34.039 and trips, like had you always had a passion for 0:01:34.120 --> 0:01:37.560 saving money or is this something that kind of was 0:01:37.959 --> 0:01:40.280 catapulted out of something that happened in your life, like 0:01:40.400 --> 0:01:41.920 tell me, I'm so intrigued. 0:01:43.400 --> 0:01:48.200 Well, growing up it was a necessity. My father's quite 0:01:48.200 --> 0:01:51.120 financially savvy, but he just liked the time. He liked 0:01:51.120 --> 0:01:53.840 the time to shop around for deals or get the 0:01:53.880 --> 0:01:56.720 best bargains. So that sort of fell to me being 0:01:56.760 --> 0:01:59.760 the orders top, and that was, you know, way I 0:01:59.760 --> 0:02:03.520 could contribute to the household was to get the groceries 0:02:03.720 --> 0:02:06.440 purchased and save money and pay the extricity bills. 0:02:06.480 --> 0:02:09.840 And so you've been doing this for many many years, 0:02:09.919 --> 0:02:12.920 is like since you were a young child. Wow, Yeah, 0:02:13.040 --> 0:02:15.679 I bet your father loved seeing the bargains that you 0:02:15.720 --> 0:02:16.200 would find. 0:02:16.880 --> 0:02:18.960 Definitely, it's like some of the bigger bargains. And I 0:02:19.000 --> 0:02:22.480 told my parents with was many many years ago they 0:02:22.520 --> 0:02:25.240 had the where you could claim money health insurance for 0:02:25.600 --> 0:02:29.320 campig centrals and sleeping bags and things like that. And 0:02:29.760 --> 0:02:33.280 I remember as a teenager going and getting sorry going in, 0:02:34.440 --> 0:02:36.760 putting the receipts in and having enough money to pay 0:02:36.760 --> 0:02:37.840 for family holiday. 0:02:38.600 --> 0:02:42.280 You're kidding. Wow, So it's like doings were really long. No, 0:02:42.360 --> 0:02:46.040 it's like always in your blood. So then what motivated 0:02:46.080 --> 0:02:48.239 you then to share with everyone else all the tips 0:02:48.240 --> 0:02:48.720 and tricks? 0:02:49.800 --> 0:02:54.440 Well, I was I have a history of studying social science, 0:02:55.840 --> 0:02:59.679 and particularly when I was working in community service roles, 0:03:00.560 --> 0:03:02.920 there was such a need. I noticed that there was 0:03:03.240 --> 0:03:06.360 such a need out there, and also that people just 0:03:06.400 --> 0:03:10.520 didn't know where to sort of look on different even 0:03:10.639 --> 0:03:14.520 with released to say SemLink payments, not many people sort 0:03:14.560 --> 0:03:17.200 of knew how to apply or what they could be 0:03:17.200 --> 0:03:17.840 eligible for. 0:03:18.520 --> 0:03:21.280 Wow, you know you were so on the money there, 0:03:21.320 --> 0:03:25.200 because you know, being frugal and being savvy with money, 0:03:25.320 --> 0:03:28.240 it does involve time. It does take time to shop around. 0:03:28.840 --> 0:03:31.280 And if you're able to help people save money but 0:03:31.320 --> 0:03:34.600 also save time along the way, that is just so 0:03:34.760 --> 0:03:38.040 incredibly valuable right now, and it really does take a 0:03:38.040 --> 0:03:41.119 lot of stress and pressure off people's shoulders, particularly when 0:03:41.160 --> 0:03:45.960 household budgets are running so incredibly tight. And I can 0:03:46.000 --> 0:03:48.520 see that's why you've driven so much success to your 0:03:48.600 --> 0:03:53.160 social channels now for someone who is just starting to, 0:03:53.240 --> 0:03:56.440 I guess, wake up to you know, the whole financial 0:03:56.480 --> 0:03:59.480 wellbeing story and start to be more mindful with their 0:03:59.480 --> 0:04:03.600 money and to want to be more frugal and budget harder. 0:04:04.240 --> 0:04:08.000 Where is the best place to start in thinking about 0:04:08.040 --> 0:04:10.400 how to get their budget under control? 0:04:10.440 --> 0:04:13.320 Again, I'm really not one of these. This is for 0:04:13.440 --> 0:04:15.920 your no that honestly, I. 0:04:15.920 --> 0:04:18.960 Completely disagree you. You're switched off with Mary. I've read 0:04:19.040 --> 0:04:21.520 stories you've written, and I felt a lot of stalking 0:04:21.560 --> 0:04:23.080 of you, and you're sappy. 0:04:23.360 --> 0:04:27.840 I would actually consider myself more a spend holy coner budget. Okay, 0:04:28.000 --> 0:04:32.200 all right? For me, it's you know, I love spending, 0:04:33.080 --> 0:04:36.760 even even in my Instagram name. It's sort of I 0:04:36.800 --> 0:04:40.840 am a spender by nature. I'm sorry, I'm a same 0:04:40.920 --> 0:04:44.120 of my nature, Amy, I mean out having a challenge girl. 0:04:44.120 --> 0:04:46.240 That one so for someone who wants to be so 0:04:46.279 --> 0:04:49.159 oided with money, And you know there's someone who loves 0:04:49.200 --> 0:04:52.600 to shop and doesn't really shop it without ever stopping 0:04:53.080 --> 0:04:55.240 to think, well, hang on, maybe I can buy that 0:04:55.360 --> 0:04:58.960 same item somewhere else. Would you recommend people do just 0:04:59.000 --> 0:05:01.000 to start? Is it a matter of sitting down and 0:05:01.040 --> 0:05:04.640 googling that particular item or you know what, what is 0:05:04.680 --> 0:05:05.320 your advice. 0:05:06.000 --> 0:05:08.680 There are quite a few options are Google lens for 0:05:08.720 --> 0:05:10.320 me has been absolute chame changer. 0:05:10.800 --> 0:05:12.960 You know, I only recently found out about Google lens. 0:05:13.120 --> 0:05:14.760 How brilliant is it? 0:05:14.760 --> 0:05:19.040 It is? It is absolutely amazing. Like last year, I 0:05:19.080 --> 0:05:20.719 was like, no, I'm going to go spend money on 0:05:20.800 --> 0:05:25.160 a new thro some ladge which are normally not only 0:05:25.240 --> 0:05:29.400 don't spend sorry, it's it's very hard for me to 0:05:29.400 --> 0:05:33.479 spend on feether I'm not used to spending okay, like 0:05:33.560 --> 0:05:37.039 such as furniture, or it's very hard for me to 0:05:37.040 --> 0:05:39.279 spend money on on on sorry, on myself. 0:05:39.880 --> 0:05:42.400 Really. Yeah, So for all the listeners who are wondering 0:05:42.480 --> 0:05:45.480 what Google Lens is, you've got to go and download 0:05:45.480 --> 0:05:48.800 this app. Now. Essentially, you download the app, and if 0:05:48.800 --> 0:05:51.920 you see something you like and you want to buy it, 0:05:51.960 --> 0:05:53.760 but you want to know where else you can potentially 0:05:53.760 --> 0:05:55.960 buy it or where it is the best place for 0:05:56.000 --> 0:05:58.279 the best price, you simply take a photo of it 0:05:58.400 --> 0:06:02.599 using the Google app lens and it will come up 0:06:02.640 --> 0:06:05.640 with a long list of all the online shops and 0:06:05.680 --> 0:06:09.240 retailers that have this particular item, as well as the price. 0:06:09.760 --> 0:06:12.880 So you're able to save a lot of money and time, 0:06:13.320 --> 0:06:16.360 very very quickly with this one app. It is an 0:06:16.440 --> 0:06:19.200 essential app. It's like it's up there with sometimes one 0:06:19.200 --> 0:06:21.640 of my banking apps because it really does save a 0:06:21.720 --> 0:06:24.400 lot of money. Now, you just touched on something a 0:06:24.400 --> 0:06:27.440 second ago where you said you feel at times uncomfortable 0:06:27.800 --> 0:06:31.760 buying things that you wouldn't normally buy for yourself, and 0:06:31.800 --> 0:06:33.800 that is something that a lot of people can really 0:06:33.839 --> 0:06:37.520 relate to. And there's almost an element of self love 0:06:37.600 --> 0:06:40.080 there as well, you know it feel you feel guilty 0:06:40.240 --> 0:06:42.840 or bad, you know, or feel that you're being wasteful 0:06:42.880 --> 0:06:45.599 buying something you wouldn't do. And it is even I 0:06:45.600 --> 0:06:47.680 will admit for myself, it's sometimes hard to step out 0:06:47.680 --> 0:06:51.360 of that. How did you, for someone who is naturally 0:06:51.560 --> 0:06:55.080 very frugal rate it's saving and is you know, has 0:06:55.120 --> 0:06:58.960 a budget, how did you get yourself over the line 0:06:59.080 --> 0:07:02.039 going all right, it's okay to buy something for myself. 0:07:02.560 --> 0:07:05.760 To actually truth be told. I went and spoke to 0:07:05.760 --> 0:07:08.760 a psychologist and had a couple of sessions going this 0:07:08.839 --> 0:07:12.000 is my views on money, you know, this is how 0:07:12.000 --> 0:07:14.800 I perceive what I'm seeing, And after some discussion, I 0:07:14.840 --> 0:07:17.800 was almost asking permission for myself to spend the money. 0:07:18.440 --> 0:07:22.360 I'm like, no, trying to justify it exactly, trying. 0:07:22.120 --> 0:07:26.080 To justify this is why I bought this because growing 0:07:26.160 --> 0:07:30.880 up I didn't have much at all. My parents were 0:07:30.960 --> 0:07:34.440 quite comfortable, but it wasn't something prioritized. 0:07:35.480 --> 0:07:37.400 And then what was this psychologist's advice. 0:07:38.960 --> 0:07:41.760 I have permission to spend my own money. I have 0:07:41.920 --> 0:07:45.960 permission to be happy, yes, and I don't have to 0:07:46.040 --> 0:07:48.960 ask or don't you know, or spending doesn't have to 0:07:49.000 --> 0:07:52.080 be good or bad, it's just what it. 0:07:51.880 --> 0:07:56.680 Is, exactly. And the amount of people that assume I'm 0:07:56.960 --> 0:08:00.440 going to judge someone for spending money really upset sets me. 0:08:01.080 --> 0:08:01.240 You know. 0:08:01.320 --> 0:08:02.960 The other day, a friend of mine she called me 0:08:03.000 --> 0:08:06.040 and she said, I feel really bad. I'm going on 0:08:06.080 --> 0:08:08.000 a trip. And it was actually part of her work 0:08:08.000 --> 0:08:09.800 and part of her passion. And I said to her, 0:08:10.200 --> 0:08:12.320 what do you feel bad? She goes, well, I'm going 0:08:12.360 --> 0:08:15.480 on two trips and quite close to each other, and 0:08:15.520 --> 0:08:17.880 you'd probably be frowning upon me and saying this is 0:08:17.960 --> 0:08:22.640 really financially responsible. I was like, don't be ridiculous. Everyone 0:08:22.760 --> 0:08:25.160 needs to spend money, it's just about doing it in 0:08:25.200 --> 0:08:29.600 a mindful way that prioritizes our financial wellbeing. But it's 0:08:29.640 --> 0:08:34.040 about balance, and I spend money. I have my loves 0:08:34.040 --> 0:08:36.320 and I have my and I occasionally waste money and 0:08:36.480 --> 0:08:39.280 have stupid, regretful purchases. But that's part of life and 0:08:39.440 --> 0:08:41.520 that's our rich tapestry. 0:08:43.080 --> 0:08:47.120 And exactly saying that recently, I described sorry. This year, 0:08:47.160 --> 0:08:51.920 I just have sorry. This year, I discovered cruising and 0:08:52.000 --> 0:08:54.960 I'm absolutely hooked. I've been on three cruisers. I've got 0:08:55.000 --> 0:08:55.760 six more books. 0:08:55.800 --> 0:08:57.760 Oh you're kidding, Oh my god, wow, our ag we 0:08:57.880 --> 0:09:00.640 have to keep going with funny how you're affored six 0:09:00.720 --> 0:09:03.040 bruises book. But this is what I'm talking about. It's 0:09:03.080 --> 0:09:06.600 the investment within yourself and it's an act of self 0:09:06.640 --> 0:09:09.040 love and it's a sign of self respect. And you're 0:09:09.040 --> 0:09:11.880 also investing in your own personal growth and development as 0:09:11.920 --> 0:09:16.240 you visit new destinations, meet different people from different areas 0:09:16.360 --> 0:09:19.400 and learn about the culture, and it adds to your 0:09:19.480 --> 0:09:20.079 richness of. 0:09:21.360 --> 0:09:25.240 And also be able to have experiences with my family 0:09:25.320 --> 0:09:26.680 that matter matter. 0:09:26.520 --> 0:09:30.160 More money, exactly, and investing in those moments are those 0:09:30.200 --> 0:09:32.600 memories and they last forever like that is a brilliant 0:09:32.640 --> 0:09:35.439 return on your on your investment. So that whatever sees 0:09:35.520 --> 0:09:37.480 me walking down the street, please don't ever judge me, 0:09:37.520 --> 0:09:40.120 and don't don't judge me. Don't think that I'm judging them, 0:09:40.160 --> 0:09:43.720 but it is so far from from the truth. Now, 0:09:44.000 --> 0:09:45.959 can you share with us, because if you've managed to 0:09:46.000 --> 0:09:49.520 afford six cruises, I want to know everything about what 0:09:49.559 --> 0:09:52.640 you're doing. What are some of your favorite grocery strategies 0:09:52.640 --> 0:09:55.280 for finding the best deals, and you know, let's talk 0:09:55.320 --> 0:10:00.160 about well clothing, that's about groceries, household items. Like you've 0:10:00.200 --> 0:10:03.160 mentioned Google lens, which I'm obsessed with. What are your 0:10:03.160 --> 0:10:03.800 other hacks? 0:10:04.200 --> 0:10:09.080 Sign up for email lists, email address just for signing 0:10:09.160 --> 0:10:12.360 up for things such as fly Buyers rewards accounts. Any 0:10:12.400 --> 0:10:14.760 shop that you go to regularly sign up for the 0:10:14.840 --> 0:10:18.160 email lists. Have it separate so you're not tempted to shop. 0:10:18.760 --> 0:10:21.280 You can open it when you need and delete it 0:10:21.400 --> 0:10:22.439 or unsubscribe. 0:10:23.120 --> 0:10:24.560 That's such a good idea to have it as a 0:10:24.559 --> 0:10:27.199 separate because email a dress because it is very distracting 0:10:27.520 --> 0:10:30.000 getting those notifications and then thinking, oh, should I jump 0:10:30.080 --> 0:10:32.319 on this sale? But if it's in a separate email 0:10:32.320 --> 0:10:34.480 address and maybe not even look to your phone, but 0:10:34.520 --> 0:10:36.280 maybe linked to a laptop or a desktop where you 0:10:36.320 --> 0:10:38.880 can then access it, that's great. And obviously a lot 0:10:38.880 --> 0:10:42.319 of websites these days had an automatic ten percent discount 0:10:42.520 --> 0:10:44.880 or free shipping or something like that when you sign up. 0:10:45.480 --> 0:10:48.400 Or that's actually how I got the cruisersode cheap. Really, 0:10:48.880 --> 0:10:52.719 I saw a link on social media for Carnival, and 0:10:52.760 --> 0:10:54.520 I'm like, you know what, I'll sign up for it. 0:10:55.440 --> 0:10:58.360 And I did, and then I got offered a three 0:10:58.400 --> 0:11:04.080 hundred overseas cruise. We talked free alcohol and actually on 0:11:04.120 --> 0:11:07.600 board spending and everything as well. Public cruise three hundred 0:11:07.600 --> 0:11:08.079 dollar crews. 0:11:08.160 --> 0:11:11.400 Oh my gosh. All right, okay, so Google Lands signing up? 0:11:11.440 --> 0:11:13.360 What else you hit me up? 0:11:13.720 --> 0:11:16.280 Do you remember the entertainment book with all the little 0:11:16.280 --> 0:11:17.480 coupons they used to. 0:11:17.520 --> 0:11:20.120 Tut It was like a phone book, and I remember 0:11:20.120 --> 0:11:21.720 my parents used to buy it. I think the money 0:11:21.720 --> 0:11:23.319 you got to charity, it was really cheap. It was 0:11:23.360 --> 0:11:24.160 like fifty dollars. 0:11:24.559 --> 0:11:28.320 Yes, well it's actually back as an app now, and 0:11:28.360 --> 0:11:35.080 you can get discounts on OPSM or worse restaurants, so 0:11:35.200 --> 0:11:36.199 many other places. 0:11:36.400 --> 0:11:39.719 Those savings I remember, like those little chopper dockets used 0:11:39.720 --> 0:11:41.880 to come in that book. It would pay for itself 0:11:41.880 --> 0:11:44.640 within like one or two goes. It was such great value. 0:11:45.200 --> 0:11:45.960 Most definitely. 0:11:46.559 --> 0:11:49.120 All right. So we've got Google Lands, we've got signing Up, 0:11:49.120 --> 0:11:52.160 we've got the entertainment app. What else do you ever 0:11:52.280 --> 0:11:55.160 use websites like such as like shot back or casual wards. 0:11:55.200 --> 0:11:57.440 Well, of course you can get cash back on so 0:11:57.559 --> 0:12:01.240 many different things, even such as traveling shots. Now it's 0:12:01.240 --> 0:12:07.199 absolutely mind blowing. Like my most recent cruise, I got 0:12:07.320 --> 0:12:09.280 something like forty dollars back. 0:12:09.400 --> 0:12:12.520 That's just amazing, And it's amazing how quickly those little 0:12:12.520 --> 0:12:15.800 things really do add up. I use both shot back 0:12:15.840 --> 0:12:18.559 and cash awards. Probably I have a buyas towards cash rewards, 0:12:18.600 --> 0:12:21.360 but it's whenever I love I love it. I log 0:12:21.400 --> 0:12:24.400 in and I see my you know, money savings adding 0:12:24.480 --> 0:12:26.040 up and what they owe me, and I know we 0:12:26.080 --> 0:12:28.600 wait until I hit like three or one dollars before 0:12:28.600 --> 0:12:30.360 I like cash it in and get a transfer to 0:12:30.400 --> 0:12:32.760 the thousand dollar produce. It's addictive. 0:12:32.920 --> 0:12:36.640 You were so disapploined. I when I have my little 0:12:36.679 --> 0:12:39.280 cash back, I'm like, oh, that's my treat myself money, 0:12:39.320 --> 0:12:42.600 that's my Uber eats. Because one thing I do like 0:12:42.640 --> 0:12:45.440 about shop back is you can actually buy gift cards 0:12:45.480 --> 0:12:48.400 with the cash back and get cash back on top 0:12:48.440 --> 0:12:49.240 of that. Already. 0:12:49.520 --> 0:12:53.080 That's brilliant, saving my and hustling at the same time. 0:12:54.160 --> 0:12:56.120 All right, what about pre love Do you ever buy 0:12:56.240 --> 0:12:58.840 like secondhand from Facebook, Marketplace, a gum Tree? Like, what 0:12:58.880 --> 0:12:59.640 are your thoughts on that? 0:13:00.080 --> 0:13:04.640 I have two massive tips. So first is Dress for 0:13:04.720 --> 0:13:10.520 Success Sydney. They hold these air peak eirpeak sales with 0:13:11.400 --> 0:13:16.160 all designer clothes rock bottom, think Tory Birds, think Cumilla, 0:13:16.480 --> 0:13:21.360 think no, yes, oh my gosh, Rise for Success yes, 0:13:21.400 --> 0:13:25.640 they so they hold regular sales to sell off clothes 0:13:25.679 --> 0:13:29.079 that are not suitable for their clients to fund the organization. 0:13:29.800 --> 0:13:32.280 Oh my goodness. Okay, right the other one you mentioned. 0:13:32.760 --> 0:13:35.640 You said there were two Dress to Success. 0:13:35.440 --> 0:13:38.520 And then you turn outlet in Punchbowl in Sidney. 0:13:39.000 --> 0:13:40.720 U turn punch bowl. 0:13:41.120 --> 0:13:43.520 So they've got a set price. 0:13:43.600 --> 0:13:44.040 Clothing. 0:13:44.280 --> 0:13:48.720 Dresses are three for twenty five. Any dresses. It could 0:13:48.760 --> 0:13:51.719 be a very high end brand. They don't care at 0:13:51.840 --> 0:13:55.920 set price. Same with skirts. Skirts are six dollars sixty 0:13:56.080 --> 0:13:58.720 per skirt, no matter what the brand, no matter what 0:13:58.760 --> 0:14:04.360 the size, the set pricey. 0:14:02.600 --> 0:14:07.640 I go, I've never heard of this. Oh my gosh, wow, Okay, 0:14:08.200 --> 0:14:10.640 you forget You're right, okay on the ex qustionon is 0:14:10.679 --> 0:14:12.760 I feel like a freaking I get freaking you're out 0:14:12.800 --> 0:14:15.040 with our over excited. I am going. 0:14:14.880 --> 0:14:16.839 Sorry, I'm enjoying this, I really am. 0:14:17.280 --> 0:14:19.880 Now. The cost of living obviously is out of control 0:14:19.880 --> 0:14:22.280 at the moment. What are your top tips then, for 0:14:22.480 --> 0:14:26.880 cutting down almost everyday expenses without feeling like you're sacrificing 0:14:26.960 --> 0:14:27.440 too much. 0:14:28.000 --> 0:14:33.880 For me, it is just little simple things like this 0:14:33.960 --> 0:14:36.360 is a big one for me, even things like groceries. 0:14:36.480 --> 0:14:40.880 I've started to go to a lot of factory outlets 0:14:40.880 --> 0:14:43.840 such as the Primal Wanting Syney. These savings can be 0:14:43.920 --> 0:14:48.360 absolutely amazing with him, like five dollars a kilough and 0:14:48.680 --> 0:14:50.400 you know the stuff you can do with that? You 0:14:50.440 --> 0:14:53.560 can make pizzas, sandwiches, the list goes on. 0:14:53.720 --> 0:14:56.400 Yeah, this is a bit of a guilty admission by me. 0:14:56.640 --> 0:14:59.960 I was I was doing solo parenting because my partner 0:15:00.120 --> 0:15:03.080 Tom ligatory here in Hong Kong here, and I didn't 0:15:03.160 --> 0:15:06.080 have any ham to make it hit sandwiches. And this 0:15:06.160 --> 0:15:08.600 is really naughty. But this is just really life. And 0:15:09.320 --> 0:15:12.040 if I could allow myself to be naughty like this, 0:15:12.120 --> 0:15:15.200 so can everyone else. Obviously within balance. But I had 0:15:15.200 --> 0:15:18.040 to uber eat some ham over because I could leave 0:15:18.040 --> 0:15:19.680 the house because I've got two young kids that were 0:15:20.000 --> 0:15:23.280 in better sleep and I needed to make their sandwiches 0:15:23.280 --> 0:15:27.160 for school and daycare. So Uber eat Uber eats some 0:15:27.280 --> 0:15:30.240 ham from the grocery store. I hate to think how 0:15:30.280 --> 0:15:33.040 much I paid for literally probably about three hundred grams 0:15:33.040 --> 0:15:33.600 of ham? 0:15:34.080 --> 0:15:37.600 Can I don't beat yourself up? She's got to ate 0:15:37.720 --> 0:15:40.880 subscriptions at the moment. Do you have two eb I 0:15:40.920 --> 0:15:41.560 have got two? 0:15:42.720 --> 0:15:45.040 Okay? On that note, do you are you member Uber one? Then? 0:15:45.240 --> 0:15:46.920 Yes? Sorry, I've got two Uber ones. 0:15:47.400 --> 0:15:48.560 Do you think Uber one's worth it? 0:15:49.000 --> 0:15:52.320 Yes? Why I can be sorry? Uber one can be 0:15:52.360 --> 0:15:54.240 worth it if you can find a free sign up. 0:15:54.960 --> 0:15:56.320 How do you find a free sign up? 0:15:56.440 --> 0:16:01.840 So usually os bargain okay or Google okay. So I've 0:16:02.080 --> 0:16:06.080 gotten about eight months for free and only this month 0:16:06.120 --> 0:16:06.960 that I've decided to. 0:16:06.920 --> 0:16:10.920 Pay, and for people who are happy to pay, Why 0:16:10.960 --> 0:16:13.920 do you or can't maybe find a free signup? Why 0:16:13.920 --> 0:16:15.040 do you think it's worth it? 0:16:15.080 --> 0:16:18.640 Definitely with the discounts or if you have got o 0:16:18.640 --> 0:16:20.840 other choice, depending on what you're buying, it's still can 0:16:20.840 --> 0:16:25.480 be cheaper. For example, I did a coals delivery fire 0:16:25.600 --> 0:16:29.080 Uber eats. I got twenty dollars off the shop and 0:16:29.200 --> 0:16:32.920 after even after fees and delivery, I still saved seven 0:16:33.000 --> 0:16:34.800 dollars on what I would have paid if I went 0:16:34.880 --> 0:16:35.640 myself at coals. 0:16:35.960 --> 0:16:38.240 And then we've had to pay for petrol traffic or 0:16:38.600 --> 0:16:41.520 you know part try park or you know, lug around 0:16:41.640 --> 0:16:44.840 a grocery bag or push around a trolleyed and an 0:16:44.840 --> 0:16:46.880 asle of busy people. I mean, your time's worth more. 0:16:47.080 --> 0:16:49.160 And there's somebody who doesn't drive that, you know, that 0:16:49.320 --> 0:16:51.400 just saved me exacly, ask somebody. 0:16:51.800 --> 0:16:54.840 And also I noticed with uber one is that they're 0:16:54.880 --> 0:16:58.440 quite often some specials, you know occasionally like fish bowl, 0:16:58.480 --> 0:17:01.800 will do you know dinner and it's like ten dollars 0:17:01.840 --> 0:17:03.760 each and you know, for nights where it's just Tom 0:17:03.800 --> 0:17:06.000 and I and the kids are having something you know simple, 0:17:06.440 --> 0:17:08.280 it's a nice way of having a really healthy salad 0:17:08.320 --> 0:17:11.320 for dinner that's a total of twenty dollars. And yes, 0:17:11.400 --> 0:17:13.800 obviously it's a bit of a splurge, it's a bit 0:17:13.840 --> 0:17:16.119 of a guilty pleasure. But sometimes those nights when you're 0:17:16.160 --> 0:17:19.199 just exhausted and can't you know, think about what you're 0:17:19.200 --> 0:17:21.480 gonna put together, it's it's sometimes it's an investment. In 0:17:21.520 --> 0:17:23.520 your own mental health and energy, so you can eat 0:17:23.520 --> 0:17:26.000 dinner as a family, get to bed quickly, exit for 0:17:26.000 --> 0:17:27.719 a bit cleaning up, and you know, get a good 0:17:27.800 --> 0:17:29.880 quality night sleep so you can hit the ground running 0:17:29.920 --> 0:17:30.480 the next day. 0:17:30.840 --> 0:17:34.479 Of course, like last year, thanks to Uber and one, 0:17:35.280 --> 0:17:38.600 I've got something like one and a half thousand dollars 0:17:38.680 --> 0:17:45.000 in discounts in one week. Ah what. At that time, 0:17:45.119 --> 0:17:49.080 they were trying to prefer regional restaurants. My family went 0:17:49.119 --> 0:17:53.479 away to Doubo and I paid for accommodation, but I 0:17:53.520 --> 0:17:55.920 was really going to struggle to pay to cover the food, 0:17:56.640 --> 0:18:00.479 and so I just went nuts. We all had Uber account, 0:18:00.560 --> 0:18:02.639 so we or just did all these mad orderings. I 0:18:02.640 --> 0:18:04.880 think it was twenty dollars off, so we just did 0:18:04.920 --> 0:18:09.000 twenty orders at so many restaurants. The restaurants were coming 0:18:09.080 --> 0:18:10.879 up and thanking us for doing these orders. 0:18:11.080 --> 0:18:14.800 Really, because there's often the perception that you know, Uber 0:18:14.880 --> 0:18:17.080 It's is squeezing as restaurants. But no, you'll find it 0:18:17.160 --> 0:18:18.720 saying you're absente opposite. 0:18:19.440 --> 0:18:23.760 No, I think these were really quiet restaurants who don't 0:18:24.000 --> 0:18:27.080 didn't have a lot of trade in that period. But 0:18:27.119 --> 0:18:30.919 I think there is some squeezing. But I think in 0:18:30.960 --> 0:18:36.080 those respects, Uber Eats were reimbursing the restaurants. 0:18:35.520 --> 0:18:38.080 For what That's great for the discount. 0:18:38.080 --> 0:18:40.760 I was keep getting, Oh that's actually I actually did 0:18:40.800 --> 0:18:42.520 put up a. 0:18:42.160 --> 0:18:43.960 Post okay, one read to make sure I licked your 0:18:44.000 --> 0:18:46.800 Instagram account because everyone needs to be hearing out all 0:18:46.800 --> 0:18:51.639 these fantastic resources like impulse spending, because there are a 0:18:51.680 --> 0:18:54.640 lot of people out there who are impulse ganders. And 0:18:54.760 --> 0:18:57.600 people may be a consistent impulse spender, or they may 0:18:57.680 --> 0:19:00.800 go through, you know, moments in their lives whereas you know, 0:19:00.960 --> 0:19:03.399 something's triggered in their life and they are feeling a 0:19:03.400 --> 0:19:06.679 bit vulnerable, and they tend to like go through a 0:19:06.720 --> 0:19:10.240 couple of weeks where they just splurge normal stop like 0:19:10.280 --> 0:19:14.920 an insatiable desire. Is that something you've seen yourself? And 0:19:15.200 --> 0:19:18.080 will your advice be to someone who feels like they 0:19:18.160 --> 0:19:20.360 kind of dabble in that emotional state? 0:19:20.440 --> 0:19:24.399 Sometimes it's just me to a tee. Really not so 0:19:24.520 --> 0:19:27.399 much anymore. But earlier this year, the best thing I 0:19:27.400 --> 0:19:30.560 ever did was put a block oh my buy now 0:19:30.600 --> 0:19:34.760 paid later accounts okay, because I was going to cycle. 0:19:34.840 --> 0:19:36.919 I was paying it off in full, and then I 0:19:36.960 --> 0:19:39.560 was like, oh, I've got all this money here. No, 0:19:39.680 --> 0:19:40.760 I don't have all this money. 0:19:40.800 --> 0:19:42.240 Yeah, I was gonna say so, Lonny. 0:19:43.720 --> 0:19:45.640 So that was the best thing that I ever did. 0:19:47.080 --> 0:19:50.199 So they're all paid off in full. It was like 0:19:50.520 --> 0:19:51.920 three thousand, it's all done. 0:19:52.040 --> 0:19:53.600 Yeah, and you've never used them since. 0:19:54.160 --> 0:19:55.080 That's only been mate. 0:19:55.560 --> 0:20:00.359 Okay, so fast through, so fast. Good. And look, you know, 0:20:01.160 --> 0:20:04.359 I think sometimes some people, and I've seen this a 0:20:04.359 --> 0:20:08.879 lot personally, is it almost becomes an addiction, the adrenaline 0:20:08.960 --> 0:20:12.439 and chase of buy now, pay later, in that you know, 0:20:12.600 --> 0:20:14.760 it gives them something to channel their energy on and 0:20:14.800 --> 0:20:16.639 they're trying to pay it off. And obviously that's not 0:20:16.680 --> 0:20:19.280 a good sign because ideally we want to be paying 0:20:19.320 --> 0:20:22.520 for things in cash through our debit card. And obviously 0:20:22.560 --> 0:20:24.240 there are times where buy now, pay later it works 0:20:24.240 --> 0:20:27.400 for people's certain budgets and situations. So you know, I'm 0:20:27.440 --> 0:20:30.439 not for or against buy now, pay later or whatsoever. 0:20:30.520 --> 0:20:34.119 I'm just whatever's best for your financial well being. But 0:20:34.160 --> 0:20:36.159 I do think that at times some people get this 0:20:36.240 --> 0:20:41.000 into this the subconsciously unaware of it, which you obviously 0:20:41.040 --> 0:20:44.400