1 00:00:00,600 --> 00:00:03,560 Speaker 1: And now we're talking, we'll be talking about those everyday 2 00:00:03,600 --> 00:00:07,040 Speaker 1: planet friendly habits that can turn into real savings. Wamad 3 00:00:07,560 --> 00:00:10,400 Speaker 1: Manuel joins us just Money spokesperson. Great to have you 4 00:00:10,440 --> 00:00:11,560 Speaker 1: with us, Wamad. 5 00:00:12,560 --> 00:00:15,120 Speaker 2: Hi Clarence Tonight, your listeners, I'm quite happy to be 6 00:00:15,200 --> 00:00:18,560 Speaker 2: here and looking forward to speaking on this very important topic. 7 00:00:19,000 --> 00:00:20,160 Speaker 3: Yeah. 8 00:00:19,360 --> 00:00:24,080 Speaker 1: I think for a while maybe people were or chose 9 00:00:24,200 --> 00:00:28,520 Speaker 1: to be ambivalent, but I guess there we we've seen creep, 10 00:00:28,600 --> 00:00:29,640 Speaker 1: We've seen creep. 11 00:00:29,800 --> 00:00:31,320 Speaker 3: Energy prices go up. 12 00:00:31,720 --> 00:00:35,560 Speaker 1: And we're becoming a little more aware of adept at 13 00:00:36,400 --> 00:00:39,000 Speaker 1: protecting our wallets a little bit with all of. 14 00:00:38,960 --> 00:00:41,199 Speaker 3: This creep happening and in our lives. 15 00:00:41,600 --> 00:00:44,320 Speaker 1: Let's let's start off with the obvious, obvious one, and 16 00:00:44,360 --> 00:00:48,040 Speaker 1: I think it has always been there from inception. Everybody 17 00:00:48,120 --> 00:00:53,040 Speaker 1: was pointing fingers at the gezer and the gezer is 18 00:00:53,040 --> 00:00:56,960 Speaker 1: is something we need to understand and equivocally it sucks power, 19 00:00:57,000 --> 00:00:57,440 Speaker 1: does it not? 20 00:00:58,960 --> 00:01:02,080 Speaker 2: It does so much so that we've seen that many people, 21 00:01:02,480 --> 00:01:05,040 Speaker 2: I mean you pointed to the fact that fuel prices 22 00:01:05,040 --> 00:01:07,399 Speaker 2: have gone up now in the month of April, and 23 00:01:07,400 --> 00:01:09,880 Speaker 2: people are looking at ways to cut costs. What we 24 00:01:10,040 --> 00:01:13,080 Speaker 2: don't often see that Africans don't realize the best way 25 00:01:13,120 --> 00:01:15,640 Speaker 2: to save money also happens to be the best way 26 00:01:15,680 --> 00:01:18,039 Speaker 2: to protect the environment. So if you speak specifically about 27 00:01:18,040 --> 00:01:22,360 Speaker 2: the gezer, most people have now opted to have AI 28 00:01:22,600 --> 00:01:26,280 Speaker 2: drive gezers is switching on and off during times of 29 00:01:26,440 --> 00:01:31,360 Speaker 2: use and not and they've seen an incredible saving from 30 00:01:31,400 --> 00:01:33,880 Speaker 2: a cost perspective, because the geza is actually one of 31 00:01:33,920 --> 00:01:39,360 Speaker 2: the biggest household energy consumers or highest consumption appliance, and 32 00:01:39,400 --> 00:01:42,480 Speaker 2: so the gezer can prove to be quite costly. But 33 00:01:42,520 --> 00:01:46,560 Speaker 2: they're smart ways, you know, to alleviate the manual label 34 00:01:46,560 --> 00:01:47,920 Speaker 2: of switching on and off. And if you don't have 35 00:01:47,960 --> 00:01:50,480 Speaker 2: a smart method, most people now put an alarm on 36 00:01:50,640 --> 00:01:53,160 Speaker 2: a reminder, you know, switch up the giza before you 37 00:01:53,320 --> 00:01:56,040 Speaker 2: leave the house. I think that will go a long way. 38 00:01:56,320 --> 00:01:58,560 Speaker 2: Small acts like that help cut costs. 39 00:01:58,600 --> 00:02:00,160 Speaker 3: Well, Ama, did you say I why? 40 00:02:01,520 --> 00:02:05,240 Speaker 2: Yes? You know in smart houses are now becoming a 41 00:02:07,000 --> 00:02:11,200 Speaker 2: sort after thing most people, particularly in South Africa. I 42 00:02:11,200 --> 00:02:15,400 Speaker 2: have seeing the help that AI can help give you 43 00:02:15,480 --> 00:02:18,760 Speaker 2: at home. So things like using your mobile device connected 44 00:02:18,760 --> 00:02:20,400 Speaker 2: to some of your clients is to switch on in 45 00:02:20,440 --> 00:02:21,600 Speaker 2: all those appliances. 46 00:02:21,919 --> 00:02:26,079 Speaker 1: Yeah, so maybe kind of geotracking your location and if 47 00:02:26,080 --> 00:02:28,520 Speaker 1: you're coming closer to home, it's going to switch on. 48 00:02:29,240 --> 00:02:32,440 Speaker 1: That's fascinating stuff. Just tell us before we go on, 49 00:02:32,480 --> 00:02:34,480 Speaker 1: tell us about Just Money. What is it that you do. 50 00:02:35,720 --> 00:02:38,880 Speaker 2: So Just Money is an online financial platform and we 51 00:02:38,960 --> 00:02:43,320 Speaker 2: believe in inaving for Africans to make good money choices. 52 00:02:43,520 --> 00:02:48,000 Speaker 2: So we are deriven by created insights using your creative report. 53 00:02:48,480 --> 00:02:51,480 Speaker 2: And how can you really understand what budgeting tools do 54 00:02:51,639 --> 00:02:54,400 Speaker 2: for you and your family, how you can cut costs, 55 00:02:54,520 --> 00:02:56,880 Speaker 2: save money and stretch your wallet. 56 00:02:58,160 --> 00:03:00,519 Speaker 3: And how does just Money make money? 57 00:03:01,600 --> 00:03:05,359 Speaker 2: So Just Money makes money by helping people making good 58 00:03:05,400 --> 00:03:08,920 Speaker 2: money choices. I mean an example that we look at 59 00:03:09,000 --> 00:03:14,240 Speaker 2: quite often is customers or consumers are often hard pressed 60 00:03:14,320 --> 00:03:18,640 Speaker 2: with many decisions. Right, there's a multitude of platforms that 61 00:03:18,800 --> 00:03:23,080 Speaker 2: consumers can access from a financial perspective, and we go 62 00:03:23,200 --> 00:03:27,000 Speaker 2: a bit above and behind that. Our platform offers you coaching, 63 00:03:27,480 --> 00:03:30,160 Speaker 2: So we will contact you with a coach is a 64 00:03:30,160 --> 00:03:33,400 Speaker 2: financial expert, and we will help you to make good 65 00:03:33,480 --> 00:03:37,400 Speaker 2: money choices by guiding you toward taking out good credit 66 00:03:37,640 --> 00:03:40,920 Speaker 2: such as perhaps your first bond or your vehicle, or 67 00:03:40,920 --> 00:03:44,960 Speaker 2: maybe rehabilitating your debt and helping you save money and costs. 68 00:03:45,400 --> 00:03:50,240 Speaker 2: We believe that we ultimately love to serve the consumer 69 00:03:50,560 --> 00:03:55,800 Speaker 2: and in that way enabling us to fulfill our brand purpose. 70 00:03:57,440 --> 00:04:02,560 Speaker 1: Okay, yeah, I don't down the business model still, but 71 00:04:02,600 --> 00:04:05,840 Speaker 1: I but I get that. And uh it's not it's 72 00:04:05,840 --> 00:04:08,680 Speaker 1: not necessarily higher grade stuff that can assist us in 73 00:04:08,840 --> 00:04:11,520 Speaker 1: small little ways to save money. 74 00:04:11,560 --> 00:04:13,200 Speaker 3: But they all they all add up. 75 00:04:13,680 --> 00:04:17,120 Speaker 1: You you link saving the planet with with saving money, 76 00:04:17,960 --> 00:04:21,520 Speaker 1: and I think more people should should make that connection. 77 00:04:22,279 --> 00:04:23,960 Speaker 2: One hundred percent. I mean, we are in a month 78 00:04:24,000 --> 00:04:27,080 Speaker 2: of April, on the twenty second of April's birth day, 79 00:04:27,120 --> 00:04:31,440 Speaker 2: which speakstically to protecting the planet things like climate change, 80 00:04:31,839 --> 00:04:35,440 Speaker 2: waste and pollution. So we had just money to encourage 81 00:04:35,440 --> 00:04:41,479 Speaker 2: people to take one habit and not essentially do everything 82 00:04:41,480 --> 00:04:44,120 Speaker 2: at once, because it's very difficult to take on a 83 00:04:44,200 --> 00:04:48,960 Speaker 2: multitude of ways of saving so things like avoiding excess packaging. 84 00:04:49,000 --> 00:04:52,120 Speaker 2: A lot of people often buy plastic when going grocery shopping. 85 00:04:52,640 --> 00:04:57,680 Speaker 2: We encourage people to utilize bought plastic bags or even 86 00:04:57,760 --> 00:05:02,120 Speaker 2: take along a recycled BA when going shopping. So small 87 00:05:02,160 --> 00:05:05,040 Speaker 2: things like that or planning new meals clearins. So for example, 88 00:05:05,560 --> 00:05:08,479 Speaker 2: most people will go to a grocery store without a 89 00:05:08,520 --> 00:05:10,840 Speaker 2: list or without an idea of what to cook, and 90 00:05:10,920 --> 00:05:14,520 Speaker 2: in that instance, food waste accumulates. The natural fact food 91 00:05:14,560 --> 00:05:19,719 Speaker 2: waste contributes to one of the biggest contributors to general 92 00:05:19,760 --> 00:05:22,320 Speaker 2: waste in South Africa. I mean, if we look at 93 00:05:22,360 --> 00:05:26,480 Speaker 2: the twenty twenty National Waste Management Strategy, about fifty five 94 00:05:26,560 --> 00:05:29,560 Speaker 2: million tons of general waste occurred in South Africa in 95 00:05:29,600 --> 00:05:31,960 Speaker 2: the year twenty seventeen and most of that is a 96 00:05:32,040 --> 00:05:37,480 Speaker 2: landfilled So cutting out access food waste by full costing 97 00:05:37,520 --> 00:05:40,760 Speaker 2: what you want to make or devising a list of 98 00:05:40,800 --> 00:05:43,160 Speaker 2: items you will like to purchase. We spoke about the 99 00:05:43,240 --> 00:05:47,600 Speaker 2: Gizer clarence. A simple way to ensure you not operating 100 00:05:47,640 --> 00:05:51,200 Speaker 2: at Giza too heavily is taking shorter showers. And I 101 00:05:51,240 --> 00:05:54,599 Speaker 2: know a lot of people enjoy the showers, but one 102 00:05:54,680 --> 00:05:57,120 Speaker 2: small habit goes a long way in cutting costs and 103 00:05:57,160 --> 00:05:59,800 Speaker 2: you will actually leap the benefit when you see if 104 00:05:59,839 --> 00:06:01,880 Speaker 2: you're tilitable at the end of the month. And so 105 00:06:01,920 --> 00:06:05,839 Speaker 2: we're looking at encouraging our listeners to really take on 106 00:06:06,000 --> 00:06:10,520 Speaker 2: a habit, not particularly everything, and one small habita since 107 00:06:10,560 --> 00:06:14,280 Speaker 2: you will build into a longer saving for you and 108 00:06:14,320 --> 00:06:15,000 Speaker 2: your household. 109 00:06:15,440 --> 00:06:19,360 Speaker 1: Okay, you you you're really on about the zero waste 110 00:06:19,520 --> 00:06:22,920 Speaker 1: kitchen as well. And I think one of the important 111 00:06:23,000 --> 00:06:25,120 Speaker 1: statistics that you share with us today is that one 112 00:06:25,200 --> 00:06:30,280 Speaker 1: third of food produced for human consumption is lost or wasted. 113 00:06:30,440 --> 00:06:34,400 Speaker 1: One third will settle poverty in this particular or hunger 114 00:06:34,480 --> 00:06:38,320 Speaker 1: specifically in the in this country. How how do we 115 00:06:38,600 --> 00:06:43,640 Speaker 1: work towards that objective a zero waste kitchen, so. 116 00:06:43,839 --> 00:06:46,320 Speaker 2: At the end of the day, zero waste kind of 117 00:06:46,400 --> 00:06:51,040 Speaker 2: will help us achieve ultimately a massive reduction. You did 118 00:06:51,080 --> 00:06:56,040 Speaker 2: mention one third of food waste contributes to total waste 119 00:06:56,080 --> 00:06:58,839 Speaker 2: for so Africa specifically. But I don't think we should 120 00:06:59,120 --> 00:07:01,719 Speaker 2: aim to go to you know, overnight. I think small 121 00:07:01,800 --> 00:07:06,560 Speaker 2: things like, for example, using your excess food that has 122 00:07:06,640 --> 00:07:11,040 Speaker 2: expired as composts, you know, in reaching the soil at 123 00:07:11,040 --> 00:07:15,320 Speaker 2: home for planting or for gronia and vegetables and fruit. 124 00:07:16,280 --> 00:07:20,160 Speaker 2: Another aspect is particularly in the in the kitchen and 125 00:07:20,200 --> 00:07:23,960 Speaker 2: in the household, is you looking at items such as 126 00:07:24,240 --> 00:07:29,120 Speaker 2: biod degradable I mean that has the effect on the 127 00:07:29,240 --> 00:07:34,400 Speaker 2: on the environment. And then lastly, there's another aspect that 128 00:07:34,480 --> 00:07:37,880 Speaker 2: we would like to encourage our listeners to look at. 129 00:07:37,880 --> 00:07:41,160 Speaker 2: It is recycling, you know, specifically when it comes to 130 00:07:41,840 --> 00:07:45,960 Speaker 2: paper plastic and glass, it does contribute quite a bit. 131 00:07:46,200 --> 00:07:50,000 Speaker 2: And recycling can be a method of very using items 132 00:07:50,080 --> 00:07:54,200 Speaker 2: for future products or solutions. And essentially all of those 133 00:07:54,240 --> 00:07:59,120 Speaker 2: small tips will help toward having zero waste. But like 134 00:07:59,160 --> 00:08:02,120 Speaker 2: I said, listens show in up to dive deep into it, 135 00:08:02,840 --> 00:08:06,320 Speaker 2: but one day at a time, look at incorporating a 136 00:08:06,360 --> 00:08:10,680 Speaker 2: specific method that can help reduce waste overall. 137 00:08:11,560 --> 00:08:14,240 Speaker 1: Okay, this this sounds new to me. Wesley send us 138 00:08:14,240 --> 00:08:20,640 Speaker 1: a voice note. Let's take a listen to that voice note. 139 00:08:20,760 --> 00:08:26,640 Speaker 4: H okay, uh we are one parent's Wesley or from gap. 140 00:08:27,120 --> 00:08:32,600 Speaker 4: Just a question, do any of the listeners know anything 141 00:08:32,640 --> 00:08:35,720 Speaker 4: about these new DeFi solar fridges. 142 00:08:37,920 --> 00:08:39,920 Speaker 3: I've been seeing this a lot. 143 00:08:39,880 --> 00:08:43,079 Speaker 4: On you know, on websites, and you know, take a 144 00:08:43,120 --> 00:08:48,199 Speaker 4: lot as it. It's a full on fridge that runs 145 00:08:48,200 --> 00:08:51,760 Speaker 4: on solar power. Stands in like a stand it upright, 146 00:08:52,600 --> 00:08:56,280 Speaker 4: and then if there's not enough solar power running the fridge, 147 00:08:56,280 --> 00:08:59,640 Speaker 4: it switches to it's either INVERTI or battery pack that's 148 00:08:59,720 --> 00:09:04,959 Speaker 4: part of the fridge. I do that any of the 149 00:09:05,040 --> 00:09:08,840 Speaker 4: listeners have one of these fridges already? And is it 150 00:09:08,920 --> 00:09:14,360 Speaker 4: worth your while to purchase one of these things? 151 00:09:14,800 --> 00:09:15,120 Speaker 3: Yeah? 152 00:09:15,559 --> 00:09:18,959 Speaker 1: Okay, have you heard of a sort of fridge Mohammad manual, 153 00:09:19,240 --> 00:09:24,280 Speaker 1: just money spokesperson, and that's wow. At the temperature of 154 00:09:24,320 --> 00:09:27,480 Speaker 1: the sun at its core is about fifteen million degrees 155 00:09:27,520 --> 00:09:31,960 Speaker 1: celsius and yeah, you are able to watch reduce the 156 00:09:31,960 --> 00:09:35,520 Speaker 1: temperature to this eighteen that's just wow for me, absolutely. 157 00:09:35,080 --> 00:09:36,200 Speaker 3: Actually quite impressive. 158 00:09:36,400 --> 00:09:39,960 Speaker 2: Yeah, I mean we've heard about solar panels. It has 159 00:09:40,040 --> 00:09:45,840 Speaker 2: become a quite a sort of the means of energy, 160 00:09:46,440 --> 00:09:50,560 Speaker 2: particularly with the price increases in electricity. I mean, fossil 161 00:09:50,559 --> 00:09:55,400 Speaker 2: fuel contributes a data launch percentage to overall global pollution 162 00:09:56,040 --> 00:09:59,839 Speaker 2: and solely the natural way of acquiring energy. I think 163 00:10:00,120 --> 00:10:03,040 Speaker 2: using solar panels is a good method, but it's quite 164 00:10:03,120 --> 00:10:05,040 Speaker 2: costly in the long run, right, and we want to 165 00:10:05,040 --> 00:10:07,520 Speaker 2: make sure that you're speaking to as many some Africans 166 00:10:07,559 --> 00:10:10,000 Speaker 2: as possible as we look in at also cutting costs. 167 00:10:10,240 --> 00:10:16,520 Speaker 2: Essentially just money stands for financial education and financial savings. 168 00:10:16,920 --> 00:10:22,400 Speaker 2: So I think worth technology evolving solar might may become 169 00:10:22,760 --> 00:10:25,719 Speaker 2: more prevalent, particularly in the household items, and I think 170 00:10:25,760 --> 00:10:28,880 Speaker 2: that's a really good way. I'm just confused. Then it's 171 00:10:28,920 --> 00:10:33,880 Speaker 2: how you would get the sundays onto your footage. 172 00:10:34,000 --> 00:10:36,040 Speaker 1: And you know it must drive a motor. It must 173 00:10:36,080 --> 00:10:40,400 Speaker 1: drive a motor. I think that is the principle over there. 174 00:10:40,880 --> 00:10:43,839 Speaker 1: It's about power. Ultimately, we're just getting the source of 175 00:10:43,880 --> 00:10:47,080 Speaker 1: the power elsewhere. And yes, with economies of scale, hopefully 176 00:10:47,120 --> 00:10:50,640 Speaker 1: solar becomes more accessible. Hopefully there are panels on every 177 00:10:50,679 --> 00:10:54,760 Speaker 1: single roof, regardless of our formal or informal that roof 178 00:10:55,040 --> 00:10:57,480 Speaker 1: is in South Africa and the Michelle says, I have 179 00:10:57,520 --> 00:11:00,680 Speaker 1: a solar geezer. I haven't switched on in so October 180 00:11:00,760 --> 00:11:05,439 Speaker 1: last year, purely living then by the power or cleaning then, Michelle, 181 00:11:05,480 --> 00:11:08,720 Speaker 1: let's be specific with the power of the sun. That's 182 00:11:08,800 --> 00:11:12,320 Speaker 1: that's discipline. Discipline, I think is an important factor in 183 00:11:12,360 --> 00:11:17,720 Speaker 1: all of this. I think discipline especially in terms of 184 00:11:17,720 --> 00:11:19,600 Speaker 1: food waste, that's planning a little bit more. 185 00:11:19,800 --> 00:11:21,559 Speaker 3: What we used to do in the past was buy 186 00:11:21,800 --> 00:11:22,440 Speaker 3: for a month. 187 00:11:22,640 --> 00:11:27,079 Speaker 1: Now we are because our lives are so busy, convenient 188 00:11:27,120 --> 00:11:30,240 Speaker 1: shopping is what we do and that is contributing to 189 00:11:30,240 --> 00:11:30,720 Speaker 1: the wastage. 190 00:11:30,800 --> 00:11:33,559 Speaker 2: Is it done, Yes, it is absolutely And I think 191 00:11:33,600 --> 00:11:36,679 Speaker 2: another important factor is the ability to shop online and 192 00:11:36,679 --> 00:11:40,200 Speaker 2: av your gross is transported to you. I mean you're 193 00:11:40,240 --> 00:11:46,440 Speaker 2: cutting down one two emission, which essentially helps environment. And 194 00:11:46,480 --> 00:11:49,319 Speaker 2: I think a lot more people have taken on e 195 00:11:49,360 --> 00:11:53,600 Speaker 2: commerce and purchasing things via platforms, and that's essentially what 196 00:11:53,720 --> 00:11:56,000 Speaker 2: just money is. We have platform we can go online, 197 00:11:56,400 --> 00:11:59,160 Speaker 2: but as you're clear at school and also take up 198 00:11:59,240 --> 00:12:03,080 Speaker 2: loans or or look at budgeting tools that can help 199 00:12:03,080 --> 00:12:04,560 Speaker 2: you make better money choices. 200 00:12:05,520 --> 00:12:11,120 Speaker 1: Yeah, let's just I think go out with getting started. 201 00:12:11,600 --> 00:12:14,400 Speaker 1: If someone is currently struggling to make ends meet, what 202 00:12:14,920 --> 00:12:18,320 Speaker 1: is your advice. What's the most impactful green habit that 203 00:12:18,360 --> 00:12:21,280 Speaker 1: we can adopt today and we can see it in 204 00:12:21,320 --> 00:12:22,720 Speaker 1: the months in our months end balance. 205 00:12:24,360 --> 00:12:24,560 Speaker 3: Yeah? 206 00:12:24,600 --> 00:12:28,480 Speaker 2: Absolutely. I think most people often think eco savings, so 207 00:12:28,559 --> 00:12:32,160 Speaker 2: eco living it means spinning more. We have touched on 208 00:12:32,200 --> 00:12:34,560 Speaker 2: things like solar panels and so on, but it's usually 209 00:12:34,600 --> 00:12:38,600 Speaker 2: the opposite likens if you do simple things like we've 210 00:12:38,600 --> 00:12:42,240 Speaker 2: spoked about this, using less electricity, switching your household items 211 00:12:42,240 --> 00:12:47,280 Speaker 2: offered are high energy consumers at your keys. Lowering the 212 00:12:47,400 --> 00:12:51,679 Speaker 2: fridge temperature often requires the fridge to operate more energy, 213 00:12:51,760 --> 00:12:54,319 Speaker 2: so maybe pushing your temperature but up depending on what 214 00:12:54,360 --> 00:12:58,080 Speaker 2: type of food you stored in the fridge. Making less 215 00:12:58,080 --> 00:13:01,120 Speaker 2: being going shopping so that you do not overspent and 216 00:13:01,320 --> 00:13:04,720 Speaker 2: have wasted food items and then you think you buy 217 00:13:04,880 --> 00:13:08,920 Speaker 2: list items. We are driven by consumerism, and I think 218 00:13:08,960 --> 00:13:11,679 Speaker 2: we should start looking at utilizing what we do have, 219 00:13:11,880 --> 00:13:14,680 Speaker 2: so repaid in items or patching at items, or purchasing 220 00:13:14,800 --> 00:13:19,040 Speaker 2: second end items that is less costly but just as 221 00:13:19,040 --> 00:13:22,120 Speaker 2: good as brand new things. And I think essentially at 222 00:13:22,160 --> 00:13:23,720 Speaker 2: the end of the day, it will come down to 223 00:13:23,960 --> 00:13:26,320 Speaker 2: helping you cut those costs and having a bit more 224 00:13:26,400 --> 00:13:31,680 Speaker 2: freedom when it comes to your financial spend each and 225 00:13:31,720 --> 00:13:32,240 Speaker 2: every month. 226 00:13:32,600 --> 00:13:34,719 Speaker 3: In valuable tips and we appreciate it. 227 00:13:34,800 --> 00:13:40,960 Speaker 1: Warmed manual just money spokesperson, and I think we'll kind 228 00:13:40,960 --> 00:13:43,320 Speaker 1: of touch base there and get some more of that 229 00:13:43,440 --> 00:13:43,960 Speaker 1: kind of wisdom