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Speaker 1: This podcast is recorded on Gadigle Land Always was, always

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Speaker 1: will be Aboriginal Land. Hey Chiggys, and welcome to episode

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Speaker 1: three of the Financial Glow Up the twenty twenty five Reset,

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Speaker 1: our new mini series where we're going to reset and

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Speaker 1: go up our finances in twenty twenty five. Today we're

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Speaker 1: going to be talking about your prey checklist for twenty

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Speaker 1: twenty five. This list is designed to ensure that every

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Speaker 1: purchase you make this year aligned with your goals, your values,

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Speaker 1: your budget and this episode. If you're listening on the

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Speaker 1: day of drop, today is Boxing Day, so it's a

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Speaker 1: great time to create your pre buy checklist and put

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Speaker 1: it into practice when shopping the sales mindfully and make

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Speaker 1: sure you're getting the most banned for your butt. As

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Speaker 1: usual and cheery little shout out, we have dropped our

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Speaker 1: Boxing Day sales cheat sheet with hundreds of sales all

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Speaker 1: in one place so you can compare the sales and

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Speaker 1: find exclusive deals. Plus, we're going to share a little

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Speaker 1: Master Money tip on how to make your Boxing Day

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Speaker 1: shopping ten times easier at the end of the episode.

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Speaker 1: But between the cheat sheet and you're now pre by

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Speaker 1: checklist that you'll have from listening to this episode, you'll

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Speaker 1: be set to get all the best deals and shop

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Speaker 1: with intention this boxing day. So if you do want

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Speaker 1: to get the cheat sheet, we have a link in

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Speaker 1: the description of this episode, but as always, it's in

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Speaker 1: our link in bio, on our Instagram, our TikTok, It's

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Speaker 1: in our Facebook group. It's everywhere you luck baby, you

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Speaker 1: can't miss it.

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Speaker 2: I know.

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Speaker 1: We're like have you seen it? And they're like, yes,

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Speaker 1: yes I have, and I'm like where are and I'm

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Speaker 1: like I know. Let's get into it, and let's start

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Speaker 1: with why you need a pre checklist? Tell me so,

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Speaker 1: tell me now and near tonert please answer me.

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Speaker 2: Okay, why even bother with a pre by checklist? Because

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Speaker 2: being good with money doesn't mean that you don't spend

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Speaker 2: any money at all. If anything, being super restrictive with

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Speaker 2: your money can set you up for failure, especially if

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Speaker 2: you know you're prone to doing a little retail therapy

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Speaker 2: here and then you love a good shop which moved. Yeah,

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Speaker 2: never going to judge for that, No.

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Speaker 1: Not at all.

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Speaker 2: So instead, your pre by checklist is all about being

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Speaker 2: intentional with your spending and empowering yourself to spend in

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Speaker 2: line with your money values. The purpose of the pre

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Speaker 2: By checklist is to help with three main things. Number one,

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Speaker 2: avoid emotional purchases. Number two, align your spending with your goals,

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Speaker 2: and number three, save time and money by making smarter decisions.

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Speaker 1: So, if you're ready to spend.

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Speaker 2: Smarter in twenty twenty five, which we know you are,

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Speaker 2: this checklist will be your new best friend. So grab

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Speaker 2: your pen, nice latte, and let's go step by step.

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Speaker 1: Man, you hear that. So you can obviously customize your

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Speaker 1: pre By checklists however you want. You can make it

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Speaker 1: as long or as short as you want. It's about

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Speaker 1: finding what works for you. But to make life easier,

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Speaker 1: of course, we've created one for you. So there are

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Speaker 1: eight questions that you can either use all of them

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Speaker 1: or you can use some of them. Again, it's what

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Speaker 1: kind of speaks to you. Everyone's so different, so it's

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Speaker 1: what aligns to you and the way that you spend money.

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Speaker 1: So again, you can use all of them, you can

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Speaker 1: use none of them. I hope you use some of them.

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Speaker 1: So your first one is is this purchase truly necessary?

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Speaker 1: Take a moment and think do you need this item

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Speaker 1: or is it just something you want? List three ways

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Speaker 1: it will genuinely impact your life for the better, and

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Speaker 1: do try to be as honest with yourself as possible.

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Speaker 1: Number two is does this align with my twenty twenty

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Speaker 1: five goals? This is my personal favorite out of all

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Speaker 1: eight because I think this will make every purchase and

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Speaker 1: every where you spend money super super clear, and it's

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Speaker 1: more positive. It's more about being like, how will this

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Speaker 1: bring me closer to where I want to be? And

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Speaker 1: like the bad bitch version, I want to be of

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Speaker 1: myself by the end of the year. So it's looking

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Speaker 1: at your financial and personal goals for the year, whether

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Speaker 1: it's saving for a holiday, paying off debt, or building

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Speaker 1: an emergency fun Your purchases and spending should always at

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Speaker 1: least try to have an undercurrent that leads to those goals.

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Speaker 1: And sometimes the goals won't be those either, Like it

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Speaker 1: might be about prioritizing your health and fitness, and if

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Speaker 1: that is spending money on a gym membership or a

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Speaker 1: personal trainer, that still aligns with your goals. If it's

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Speaker 1: about spending more quality time with friends, that might be

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Speaker 1: you know, going out through dinner once a month. They

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Speaker 1: don't always have to be goals that are is about

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Speaker 1: set or investing or buying a house. Even though those

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Speaker 1: are super important, making sure you have goals in a

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Speaker 1: line to fun and interest and joy are also just

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Speaker 1: as important. And then number three, do I have the

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Speaker 1: money to make this purchase? Now, this is a question

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Speaker 1: some of us we get to answer and even ask.

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Speaker 1: It's a good question. It's a good question. We like

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Speaker 1: this question. She's a bit of a bitch, but she's

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Speaker 1: a good question. If you're reaching for your credit card

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Speaker 1: alone or a buy now, pay later service, take a

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Speaker 1: little bit of pause, my little baby girl. If you

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Speaker 1: don't have the money to pay for it, you probably

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Speaker 1: can't afford it. I'm sorry, don't hate me. You can

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Speaker 1: take it a step further and make it a rule

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Speaker 1: that if you can't afford to pay for it twice

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Speaker 1: with your own money, you can't afford to pay for

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Speaker 1: it at all. This is a great rule of thumb,

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Speaker 1: and I think it's really good for those really big

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Speaker 1: purchases that we're like, I'm just gonna splurch because fuck it,

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Speaker 1: and you're like, I'm like, for example, you could use

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Speaker 1: the dice in airp and you're like, sure, what I

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Speaker 1: want it, I'm going to buy. But if your times

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Speaker 1: up by two and it makes you want to throw

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Speaker 1: up into your hands and clap. You don't want it,

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Speaker 1: You don't want to not that bad. Number four? Do

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Speaker 1: I already have something that serves this purpose? Before you

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Speaker 1: buy a new makeup product? Have you used every last

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Speaker 1: drop of the one you already have? Do you already

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Speaker 1: own a pair of blue jeans? This one was a

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Speaker 1: targeted attack question. Could you save time and money by

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Speaker 1: cooking a meal at home instead of waiting forty minutes

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Speaker 1: and paying seventy two billion dollars for a meal just

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Speaker 1: to arrive cold and strewn across the box in the bank.

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Speaker 1: Regularly taking stock of your cosmetics, clothes, and home wears

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Speaker 1: can help you take stock of what you actually need.

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Speaker 1: And the new year is a great time to do this.

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Speaker 1: I call this my new year restock or a new

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Speaker 1: stock take. Yeah, And I write a little list of

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Speaker 1: all the stuff that like is either falling apart or

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Speaker 1: I need or it's broken. And I think as well

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Speaker 1: when you write like your new Year stock take. And

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Speaker 1: then I kind of shop in black Fridays, I mean

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Speaker 1: not Black Friday boxing day sales. I realize how much

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Speaker 1: I actually don't need it's a very limited list, and

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Speaker 1: it's good because.

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Speaker 2: I say money, yeah, and you spend money on things

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Speaker 2: that you actually need, yes, and will help improve your life.

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Speaker 1: It's crazy, guys. Can you believe it? We're breaking the internet? Okay?

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Speaker 1: Number five? Have I got the best deal?

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Speaker 2: Compare prices, read reviews, and ensure you're getting the best

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Speaker 2: value for your money. Have you checked if you can

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Speaker 2: get cash back, earn frequent flyer points, or do they

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Speaker 2: have a best price guarantee during sale events like Boxing Day?

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Speaker 2: Make sure you're using our two Broke Chicks Sales cheat

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Speaker 2: sheet that we mentioned earlier to compare hundreds of sales

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Speaker 2: in one place. Plus, you can get access to exclusive

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Speaker 2: deals that you can't find anywhere else but in the

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Speaker 2: cheat sheet. Number six, will this bring me lasting value

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Speaker 2: or joy? Ask yourself if this purchase will still matter

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Speaker 2: to you in a month, or six months or a year.

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Speaker 2: If not, you may want to reconsider.

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Speaker 1: I feel like that question really would help with trending

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Speaker 1: items as well. Fully, Yeah, where will this be? Yeah

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Speaker 1: in twelve months? Where will this trend be in twelve months?

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Speaker 1: And if you know in your deep, darkest barts of

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Speaker 1: your soul, let it won't be I feel like that

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Speaker 1: answers your question for you.

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Speaker 2: If you can see into a crystal ball that it's

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Speaker 2: at a viny somewhere, Oh, don't buy it?

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Speaker 1: Yeah. Number seven?

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Speaker 2: Have I waited twenty four hours for non essential purchases?

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Speaker 2: Follow the twenty four hour rule. This gives you time

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Speaker 2: to think and prevents impulse purchases and decisions, especially if

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Speaker 2: you're feeling emotional, if you've had a bad day, or

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Speaker 2: even if you've had a good day and you're.

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Speaker 1: Like, I'm going to.

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Speaker 2: Shit, which there's nothing wrong with that, but give yourself

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Speaker 2: twenty four hours to make sure that you're not like

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Speaker 2: riding the high or low of whatever emotion you're feeling

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Speaker 2: and you actually want that purchase Number eight. And finally,

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Speaker 2: is there a more budget friendly alternative? Before you click

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Speaker 2: add to cart? Ask yourself, can you borrow, buy used,

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Speaker 2: or DIY instead? Sometimes the alternative is just as good,

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Speaker 2: and most of the time it's a lot cheaper.

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Speaker 1: My favorite thing is looking on deepop and finding the

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Speaker 1: same thing, especially when it's brand new with tags and

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Speaker 1: it's so much cheaper, and it's cheaper than what you

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Speaker 1: would get even with like a discount code on the

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Speaker 1: brand new item on a retailer site. Definitely, and you

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Speaker 1: can feel a little bit better because you're buying your

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Speaker 1: second hit.

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Speaker 2: Yeah, all going and getting things repaired. Not enough of

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Speaker 2: us do this.

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Speaker 1: That's my goal for this year is I want to

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Speaker 1: learn how to sew and knit and tailor. And I

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Speaker 1: just feel like I'm going to be a god among men. Yeah,

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Speaker 1: like I'm going to be better than everyone else. Like

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Speaker 1: my jeens. Guess what I tailored them? Thanks rains too long?

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Speaker 1: I brought them up. Straps need fixing, fixed it done,

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Speaker 1: button broken, not anymore, bitch. I can do that. I

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Speaker 1: can do that one now, I see, I'm ready one

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Speaker 1: today for the way exactly. Now. With all habits, they're

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Speaker 1: super fun at the start and we get like a

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Speaker 1: high and we're like, whoo, let me go. I'm ah,

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Speaker 1: I'm did, I'll have again Okay. But the hardest part

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Speaker 1: is actually making them consistent and sticking to it. So

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Speaker 1: it's all well and good to ride out and set

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Speaker 1: up your pre buy checklist. However, it's even better to

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Speaker 1: stick to it. So here are some fun little bonus

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Speaker 1: tips to help you stick to the checklist and make

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Speaker 1: twenty twenty five your best financial year yet Number one

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Speaker 1: and my favorite personal favorite set of fun budget money.

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Speaker 1: The way we talk about money sometimes is so boring

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Speaker 1: and regulated and there's no fucking fun. It's so unachievable

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Speaker 1: to be like, okay, cool, you get paid, put money

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Speaker 1: in your savings, and then just buy the necessities. And

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Speaker 1: I'm like, no, I'm a little baby girl. I need

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Speaker 1: sparkly fun things in my life. I need my trinket shin.

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Speaker 1: I'm geriatric, I love a drinket. So allow yourself a

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Speaker 1: set amount for non essential purchases so you don't feel deprived. Yeah,

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Speaker 1: this could be a sinking fund for specific purchases such

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Speaker 1: as beauty appointments, makeup clothes, or nights out, or an

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Speaker 1: account that you transfer extra money you have after you

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Speaker 1: review your monthly budget and have essentials accounted for. Like

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Speaker 1: I have an account that is just for like nails,

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Speaker 1: hair browse, and I transfer a set amount into it

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Speaker 1: each week, and so then whenever I do want to

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Speaker 1: go get my nails done and I want to get

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Speaker 1: a cool on, or I want to get my hair done,

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Speaker 1: or I even want a massage, I don't feel bad

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Speaker 1: about spending because I've just been transferring twenty dollars a

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Speaker 1: week into this account, and then in like two months,

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Speaker 1: I'm like, oh tree myself.

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Speaker 2: Okay, if you subscribe to girl math, doing this equals

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Speaker 2: free money.

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Speaker 1: Yeah, when you're paying spending for your nails. Yeah, like

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Speaker 1: that's just how it works. Sorry, maybe a little bit

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Speaker 1: less fun, but still a good tip is to keep

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Speaker 1: your goals visible, So write your pre by checklist in

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Speaker 1: your notes app and set it as your phone screen.

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Speaker 1: You can also label your accounts with what you're saving for.

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Speaker 1: I find this super super helpful. So if you're saving

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Speaker 1: for a europe trip, a home loan, a deposit maybe,

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Speaker 1: or even a new car. When you set the name

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Speaker 1: of the account as that goal, it helps you avoid

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Speaker 1: taking money out of the account because every time you do,

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Speaker 1: you're taking it away from your goal. And you're like,

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Speaker 1: I won't touch it. Yeah, right, you in an account,

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Speaker 1: That's right. But I find both of those two really

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Speaker 1: really helpful, especially the one where you give yourself a

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Speaker 1: little bit of leeway. That's a fun.

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Speaker 2: And here's the master money tip that we want you

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Speaker 2: to walk away with this episode, the master card click

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Speaker 2: to pay feature. Click to pay is an online checkout

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Speaker 2: tool that you can use to pay quickly and seurely

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Speaker 2: from any device without having to add your card details

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Speaker 2: in every time. You can even store multiple cards under

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Speaker 2: the one click to pay account, meaning you can use

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Speaker 2: your vacation fund when you're booking flights, select your fun

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Speaker 2: fund when you're buying movie tickets online, or shopping fund

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Speaker 2: when you are picking up bargains this Boxing Day. Once

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Speaker 2: you've linked your cards, you just have to look for

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Speaker 2: the click to pay icon at participating merchants, choose your

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Speaker 2: payment method and check out in just a few clicks.

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Speaker 1: They have a chicky. So that's it for episode three

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Speaker 1: of the Financial Glow up the twenty twenty five reset.

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Speaker 1: If you picked up some tips to spend Sparta in

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Speaker 1: a twenty twenty five feel free to share this with

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Speaker 1: a friend or chuck it in the group chat, and

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Speaker 1: don't forget to hit the link in the description to

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Speaker 1: use the Boxing Day Sales cheat sheep and get the

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Speaker 1: best deals this Dale say that