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Speaker 1: Welcome to How to Money. I'm Joel and I am Matt,

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Speaker 1: and today we're talking holiday shopping without the hangover with

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Speaker 1: Julie Ramhold.

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Speaker 2: Yeah, so Americans are about to spend a staggering amount.

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Speaker 1: Of money in this holiday season. Deloitte.

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Speaker 2: They report an expected fourteen percent increase in spending compared

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Speaker 2: to last year, with the average consumer spending just over

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Speaker 2: sixteen hundred dollars. But then again, it depends on who

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Speaker 2: is running the survey, depends on who you're asking, Because

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Speaker 2: Gallup they're forecasting that Americans will spend slightly less compared

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Speaker 2: to last year, sitting at around nine hundred dollars by

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Speaker 2: the end of the year. But either way, there's a

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Speaker 2: good chance that you are a part of the overwhelming

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Speaker 2: majority of folks who are going to spend something on

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Speaker 2: your friends and family and who doesn't want to make

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Speaker 2: sure that they're getting the absolute best deal possible.

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Speaker 1: That's why we're excited to be speaking with Julie Ramhold,

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Speaker 1: who is a consumer analyst a senior staff writer for

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Speaker 1: deal News. For nearly a decade, she's worked to ensure

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Speaker 1: that we are all paying as little as possible for

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Speaker 1: all the different things that we want, so, Julie, thank

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Speaker 1: you so much for joining us today.

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Speaker 3: Thank you for having me of course.

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Speaker 1: Yeah, no, Julie, We're really excited to talk to you

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Speaker 1: about this. I confessed before we begin recording that I

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Speaker 1: have been using deal News since I was a weep up,

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Speaker 1: since since deal News, probably since it began. Honestly, I've

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Speaker 1: been I've been a fan for a long time, and

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Speaker 1: so I'm really excited to have this chat kind of

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Speaker 1: and really help people when it comes to saving money

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Speaker 1: over the holidays and on their spend. Well. But first,

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Speaker 1: the first question we ask anybody who comes on the

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Speaker 1: show is what do you like to suplore? John, Matt

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Speaker 1: and I we spend a decent chunk of change on

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Speaker 1: craft beer pretty regularly, but we're also at the same

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Speaker 1: time saving and investing for the future. Is there something

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Speaker 1: like that in your life While you're trying to handle

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Speaker 1: your money, well, you still like to go spend a

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Speaker 1: decent bit of money on.

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Speaker 4: So I really love to crochet and a friend of mine. First,

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Speaker 4: a friend of mine introduced me to the differences in

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Speaker 4: quality yarn. So there's absolutely nothing wrong with going to

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Speaker 4: hobby stores like Joanne and Michael's and getting yarn there,

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Speaker 4: But once you use the good stuff, it's really hard

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Speaker 4: to kind of go back. So we went to Nashville

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Speaker 4: on a recent trip and we stopped off at a

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Speaker 4: highly rated yarn store, and I spent far more on

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Speaker 4: yarn than I had anticipated, to the point where my

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Speaker 4: job probably should have dropped. But I was also like, no,

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Speaker 4: this is great, this is great.

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Speaker 1: I'm in too deep, right, no regrets. What's the average

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Speaker 1: price difference between the stuff that you get at the

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Speaker 1: hobby store and the stuff at like a fine yarn

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Speaker 1: reach high and so are we talking like two x?

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Speaker 1: Are we talking like five x?

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Speaker 4: So?

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Speaker 3: Well, it depends.

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Speaker 4: So it also comes down to materials, which I'm not

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Speaker 4: keen on using things like silk because I'm still I've

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Speaker 4: been crocheting for a while, but I haven't experimented with

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Speaker 4: a lot of like more complicated patterns or stitches. So

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Speaker 4: I tend to steer clear of things like silk, just

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Speaker 4: because I'm not super comfortable with experimenting yet, and I

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Speaker 4: don't want to run into ruining a project because yes,

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Speaker 4: you can rip back rows and basically undo everything, but

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Speaker 4: some yarn can kind of start to freight if you

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Speaker 4: do that too much, so I'm like, no, we'll leave

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Speaker 4: silk for later. But a standard two hundred to three

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Speaker 4: hundred yard scheme can be like five to ten dollars

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Speaker 4: maybe depending on what brand and what the material is

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Speaker 4: that you're looking at at a hobby store. And then

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Speaker 4: when you go to like these indie dyers that are

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Speaker 4: like making their own yarn and doing their own dies,

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Speaker 4: it's like twenty eight to thirty DOLLARSS for roughly the

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Speaker 4: same amount, So.

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Speaker 1: Yeah, getting close to six x.

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Speaker 3: Yeah, it can add up, but I maintain it's worth it.

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Speaker 1: Yeah.

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Speaker 2: I love that you are doing that. You are maybe

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Speaker 2: preparing to be a grandmother. It's thatt a craft beer's

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Speaker 2: craft yarn, yes, which I totally love. I love that

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Speaker 2: there are such things as indie dyers. Not something I've

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Speaker 2: ever heard before, but I love that you're doing that, Julie.

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Speaker 1: Let's talk about sales.

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Speaker 2: Let's talk about Black Friday specifically, because it kind of

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Speaker 2: feels more like it's a season these days, as like

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Speaker 2: versus just a specific day where it takes place. Do

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Speaker 2: you feel like that that's the case. Does it seem

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Speaker 2: like that the deals start sooner and sooner every every

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Speaker 2: single year definitely.

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Speaker 4: So I've been working sort of in the consumer news

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Speaker 4: landscape since twenty sixteen, really, and we kind of always

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Speaker 4: joked about this Black Friday creep and it getting worse

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Speaker 4: and worse year over year.

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Speaker 3: And when we.

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Speaker 4: Were seeing Black Friday deals pop up in like mid November,

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Speaker 4: we were like, oh my god, it's not even a

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Speaker 4: day anymore. And then the pandemic happened, and so now

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Speaker 4: it's gone from.

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Speaker 3: Like an extra week or two to like two months.

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Speaker 4: So we definitely have been seeing this early rollout of

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Speaker 4: Black Friday deals, especially over the last few years, just get.

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Speaker 3: Earlier and earlier.

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Speaker 4: And I know this year was no different, but it

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Speaker 4: felt earlier to me. And I think it's because we

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Speaker 4: saw other seasonal things coming up a lot sooner than

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Speaker 4: we expected.

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Speaker 1: Yeah, is that is it good for consumers or is

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Speaker 1: that bad? Like for instance, I think it was probably

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Speaker 1: twenty ten twenty eleven when I bought my first flat

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Speaker 1: screen TV, and I remember going to Walmart with two

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Speaker 1: of my buddies, and it was back in the era

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Speaker 1: where you literally had to put your hand on the

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Speaker 1: item and you had to wait for them to start

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Speaker 1: selling them like six am or something. We were there, like,

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Speaker 1: I don't know one or two am we like kind

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Speaker 1: of stayed through the night. That's not how it rolls anymore.

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Speaker 1: But I guess does the longer deal season Is that

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Speaker 1: good or bad?

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Speaker 4: I think it kind of depends on what sort of

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Speaker 4: shopper you are. So for the most part, it seems

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Speaker 4: like it's a good idea to me because it can

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Speaker 4: help people stay on budget. More retailers know that they

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Speaker 4: can roll out these deals early and people will still

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Speaker 4: shop them, and you can shop with some level of confidence,

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Speaker 4: especially if a retailer has a holiday price guarantee or

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Speaker 4: something like that in place, just because what you see

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Speaker 4: at any given time when they roll those deals out

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Speaker 4: is probably gonna be what you see throughout the season.

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Speaker 4: So you don't have to stand in front of a

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Speaker 4: kitchen aid stand mixer for two hundred and fifty dollars

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Speaker 4: and be like, is this gonna get lower? Probably not.

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Speaker 4: That's a great price. If you want to stand mixer,

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Speaker 4: pick it up.

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Speaker 3: So I think the earlier time frame can be better.

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Speaker 4: But also if you're one of those people that you

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Speaker 4: like to get your shopping done kind of all at once,

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Speaker 4: it may give you sale fatigue, just because you're constantly

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Speaker 4: having to check back and check things off your list

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Speaker 4: throughout as you're waiting for these deals to roll out,

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Speaker 4: rather than just going on like Black Friday itself and

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Speaker 4: getting everything wracked and everything.

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Speaker 2: That makes sense. Yeah, it's like it used to be

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Speaker 2: more of a sprint. Now it feels more like a marathon.

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Speaker 2: But I mean the way I look at it, I

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Speaker 2: think it makes it.

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Speaker 1: I like it. I like the fact that it.

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Speaker 2: Takes away It removes some of the circus element of like, okay,

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Speaker 2: like we're gonna go crazy today all the doorbusters, less

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Speaker 2: trampling of the elderly as that, right, Yes, I mean

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Speaker 2: like literally yeah. But then also just the ability to

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Speaker 2: do some your due diligence, right, Like the ability to

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Speaker 2: do some research and to make sure that you are

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Speaker 2: in fact getting the best price, to have kind of

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Speaker 2: set up, whether it's price alerts, that kind of thing.

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Speaker 2: Generally speaking, I like the direction I guess that it's moving.

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Speaker 2: It makes me think of like with real estate, as

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Speaker 2: opposed to the Okay, everyone's shown up at the same

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Speaker 2: time and folks are kind of like looking over at

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Speaker 2: the other party, and I feel like I hear more

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Speaker 2: and more deals that are taking place more casually, like

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Speaker 2: not even going on market, but like via an agent

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Speaker 2: who is able to talk to a few folks. I

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Speaker 2: feel like it brings a, I don't know, a level

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Speaker 2: of decent seat to shopping holiday shopping that maybe didn't

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Speaker 2: used to exist.

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Speaker 4: For sure, I think it definitely helps to, like you said,

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Speaker 4: eliminate some of the circus. At least, Black Friday now

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Speaker 4: feels a lot less chaotic than it did pre pandemic.

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Speaker 4: Even when we were getting an additional week or so

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Speaker 4: of deals, it still felt like a lot and there

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Speaker 4: was this really deep sense of urgency to like, go

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Speaker 4: and get it, don't worry about the price, just pick

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Speaker 4: it up because otherwise it's going to sell out and

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Speaker 4: then you're just going to be out of luck. And

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Speaker 4: now it feels like we definitely have breathing room to

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Speaker 4: kind of decide where we want to shop, who we

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Speaker 4: want to shop with. And the big players always have

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Speaker 4: similar prices, so yeah, it's really come down to weighing

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Speaker 4: which one is best for your circumstances.

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Speaker 1: So, you know, so we're talking about timing and the

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Speaker 1: fact that there's a longer deal season anyway, we're still

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Speaker 1: more than a week away from Black Friday, Are there

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Speaker 1: are there items that actually might be a better deal now,

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Speaker 1: like Best Buys rolling out deals earlier Target as well,

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Speaker 1: And they've even had you know, like Amazon Prime Day

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Speaker 1: and other retailers matching Amazon Prime Day last month. And

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Speaker 1: so how do people know window pounds on the best

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Speaker 1: deal when there's kind of a succession of rolling deals

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Speaker 1: that keep coming along.

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Speaker 3: Yeah, so it can get tricky.

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Speaker 4: I would say that sort of the easiest way to

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Speaker 4: tell is if you have something that you've kind of

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Speaker 4: been keeping front of mind for a long time, you

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Speaker 4: can generally look at the deals as they come and say,

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Speaker 4: I've seen it at that price before six months ago,

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Speaker 4: that's nothing special.

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Speaker 3: Or you know, Okay, this is the best price I've

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Speaker 3: seen this thing at and that's pretty.

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Speaker 4: Good for giving you an indication like okay, I can

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Speaker 4: go ahead and buy it now. But another thing I

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Speaker 4: think to keep in mind is if you're shopping somewhere

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Speaker 4: that has that holiday price guarantee in place, like.

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Speaker 3: Target does this year.

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Speaker 4: Their entire thing is basically if you shop from October

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Speaker 4: twenty second to December twenty fourth, and if you buy

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Speaker 4: it at Target and then it drops in price at

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Speaker 4: Target before December twenty fourth, you can get a price adjustment.

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Speaker 4: But the thing it's great, But the thing that really

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Speaker 4: makes the most sense to me is that this is

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Speaker 4: a busy time for these major retailers. It's a busy

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Speaker 4: time for everybody, but these major retailers will often hire

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Speaker 4: seasonal workers to kind of help out with the extra load,

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Speaker 4: and they don't want their associates to be tied to

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Speaker 4: a register having to do.

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Speaker 3: Price adjustments constantly.

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Speaker 4: So if you see a Black Friday deal at Target

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Speaker 4: right now and it's a good price and it fits

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Speaker 4: your budget, I say go for it. You can keep

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Speaker 4: an eye on it, but it's probably not going to

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Speaker 4: drop in price. I think they sort of use these

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Speaker 4: holiday price guarantees as a way to boost confidence on

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Speaker 4: shoppers to make sure that they are shopping these early deals,

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Speaker 4: but also as a kind of way to entice people

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Speaker 4: who might be on the fence to shop with Target

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Speaker 4: in this case, or you know, if best Buy is

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Speaker 4: doing something similar, then they'll use it so that they

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Speaker 4: can kind of entice shoppers to go there. And ultimately

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Speaker 4: you're probably not going to need a price adjustment. If

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Speaker 4: it does change in price, it's probably not going to

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Speaker 4: be by much if you want that extra five to

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Speaker 4: ten bucks back, whatever, but it's not going to be

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Speaker 4: anything groundbreaking, gotcha.

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Speaker 2: Yeah, So certainly keep an eye out for specific deals.

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Speaker 2: Are there any like categories, any purchases to just completely

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Speaker 2: avoid on Black Friday?

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Speaker 1: Are there any like.

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Speaker 2: Headfake deals that aren't actually deals and everyone thinks they

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Speaker 2: are maybe it gets them in the store, but in

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Speaker 2: reality they're not.

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Speaker 4: I think this was more of a problem before we

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Speaker 4: really started to see retailers move their sales online, because

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Speaker 4: we would see these sort of vague Black Friday ads

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Speaker 4: in the papers that were like, oh, you can get

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Speaker 4: this massive TV for super cheap, and then you'd go

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Speaker 4: in and find out it's a brand you never heard

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Speaker 4: of or something like that. But I will say that

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Speaker 4: now we still may see vague deals and ads online,

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Speaker 4: but at least if you're shopping online then you can

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Speaker 4: kind of quickly avoid something. And one of the biggest

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Speaker 4: things we say to avoid period, whether it's Black Friday

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Speaker 4: or not, is off brand TVs.

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Speaker 3: And I'm not talking about like high sense. Highcense is fine.

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Speaker 3: Visio is fine. Yeah, I have a high sense TV too.

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Speaker 4: It's totally fine, but it is interesting because there are

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Speaker 4: some brands that will be at specific retailers like Walmart

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Speaker 4: or something like that, and they are super cheap sets.

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Speaker 3: And if you're looking for a super cheap set, debt

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Speaker 3: may be fine.

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Speaker 4: But in general, we try to look at the longevity

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Speaker 4: of something too, and I feel like this is just

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Speaker 4: one of those situations where you get what you pay for.

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Speaker 3: So if you really.

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Speaker 4: Cheap out on that TV, you may be lucky if

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Speaker 4: it lasts to next Black Friday. And considering the prices

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Speaker 4: that we see on these big name brands that pop

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Speaker 4: up for Black Friday, I mean you might as well

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Speaker 4: just try to get what you actually want. Don't cheap

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Speaker 4: out just because you want a new set or something

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Speaker 4: like Shoot for the Stars.

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Speaker 1: Yeah yeah, okay. So you mentioned online shopping, and I

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Speaker 1: feel like it used to be that the best deals

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Speaker 1: came to those who woke up early, who ventured forth

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Speaker 1: into the icy cold tundra of their local Walmart or

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Speaker 1: Target store or whatever. But it seems like the deals

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Speaker 1: are better. And I remember the shift probably four or

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Speaker 1: five years ago, when it kind of was like, oh,

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Speaker 1: retailers like no, no, no, we're gonna put our best deals

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Speaker 1: online now is that the case can people. Are people

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Speaker 1: going to score the best price shopping online, or are

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Speaker 1: they going to score the best price going into a store.

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Speaker 4: I would honestly be surprised if a retailer tries to

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Speaker 4: bring back in store doorbusters the way that they used to. Now,

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Speaker 4: most deals are completely the same whether you shop online

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Speaker 4: or in store, and very rarely will we see an

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Speaker 4: in store exclusive. More often you're gonna see something that

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Speaker 4: can only be found online at that price point. So

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Speaker 4: it's kind of swung the other way, which is funny

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Speaker 4: to me. But also, these major retailers are closing on

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Speaker 4: Thanksgiving now, so you don't have people lining up outside

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Speaker 4: the doors for twelve hours or whatever to make sure

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Speaker 4: they're first, And nobody's camping outside of Walmart for twenty

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Speaker 4: two days anymore to get a massive TV deal.

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Speaker 1: So I miss those day chills, like the golden days.

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Speaker 1: It was only because I was like really young and

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Speaker 1: so am. I was with my buddies and so we

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Speaker 1: had the best time. You make it a thing hanging out, Yeah,

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Speaker 1: it was an event, but I'm so glad. There's no

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Speaker 1: way I would do that now. And that's that's the

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Speaker 1: part of the circus that we're like we were talking

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Speaker 1: about earlier being able to remove and I really do

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Speaker 1: just like the direction. It just feels like such a

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Speaker 1: better direction that we're going in. Right, Like you said,

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Speaker 1: stores that are closing that aren't even open on Fridays

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Speaker 1: sometimes too, where they're like you know what, or maybe

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Speaker 1: I'm thinking of ARII or they're like, sure, go outside.

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Speaker 2: The ability to step away from consumption a little bit

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Speaker 2: is you know, obviously you want to make sure you're

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Speaker 2: getting a deal, but if there's a way to maybe

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Speaker 2: deemphasize that to a certain incident, that's something I can

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Speaker 2: get behind. But you're saying that there's not likely to

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Speaker 2: be better deals in person. So one of the problems

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Speaker 2: with that is shipping right, shipping delays And we're way

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Speaker 2: past the what is it the container ships parked off

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Speaker 2: the coast of California where they have nowhere to dock.

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Speaker 2: We don't have those kind of delays like we've dealt

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Speaker 2: with over the past few years, but it still looks

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Speaker 2: to be a problem as more and more folks are

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Speaker 2: looking to participate in online shopping. Is the solution simply

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Speaker 2: just to order stuff.

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Speaker 1: A little bit earlier.

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Speaker 3: I mean to some degree. You can.

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Speaker 4: If you really need something and you can't get it

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Speaker 4: any other way, or you don't want to get it

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Speaker 4: any other way, sure, go ahead and order online. Try

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Speaker 4: to order as early as you can. But the good

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Speaker 4: thing too, is that even though our shipping carriers are

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Speaker 4: kind of overwhelmed, anybody who's had a package delivered in

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Speaker 4: the last year has probably experienced at least one delay

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Speaker 4: from somebody. So even though the kind of overwhelmed, a

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Speaker 4: lot of retailers will put on their website like a

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Speaker 4: clear day of you need to order by this day

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Speaker 4: to have gifts under the tree or in time for

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Speaker 4: Hanukkah or other holiday that you celebrate. So it's entirely

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Speaker 4: possible that you're going to kind of gamble a little

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Speaker 4: if you wait too long. But my solution to that is,

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Speaker 4: if it's at all possible, buy online and pick up

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Speaker 4: in store.

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Speaker 1: There you go. Okay, that's a good one.

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Speaker 4: At that point, you get it so much faster. You

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Speaker 4: still have the convenience of shopping online, but you get

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Speaker 4: your items faster, So to me, it's the best of

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Speaker 4: both worlds.

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Speaker 1: Yes, okay, when we're buying online, there's another problem that

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Speaker 1: arises or at least it has in my shopping history.

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Speaker 1: It was a couple of years ago, I think on

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Speaker 1: a Black Friday that I think it was Walmart, and

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Speaker 1: I don't really chop at Walmart very often, but they

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Speaker 1: had an inflatable hot tub for two hundred bucks, and

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Speaker 1: I was like, Okay, this is that's a great deal.

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Speaker 1: My kids and I we will use the mess out

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Speaker 1: of this. This is going to be the greatest thing

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Speaker 1: ever bought. And they're normally four or five hundred bucks,

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Speaker 1: and I was like, yeah, that's too rich for my blood.

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Speaker 1: But if it's two hundred bucks, I'm in. And I

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Speaker 1: was on It was like a seven PM release or

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Speaker 1: something like this. I was on the website at six

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Speaker 1: fifty six, like just like preparing mentally to buy this

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Speaker 1: inflatable hot tub. It was going to be the best

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Speaker 1: Christmas and then at seven o'clock it was like sold out.

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Speaker 1: And so the quantities were so limited. Even somebody who

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Speaker 1: was ready and ready to pounce when the deal got released,

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Speaker 1: like I don't know how many they had, like four

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Speaker 1: or something that nation of the nation. And so is

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Speaker 1: that a problem when it comes to the deals and

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Speaker 1: finding them online? Are the best deals going to sell

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Speaker 1: out really quickly and they're going to be disappointed. Joels

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Speaker 1: everywhere not getting their inflatable hot tubs.

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Speaker 4: I'm sorry you missed out on the inflatable hot tubs.

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Speaker 1: Thank you.

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Speaker 4: I will say it's it is a risk.

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Speaker 3: In a perfect.

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Speaker 4: World, everyone would only buy the amount that they need

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Speaker 4: and it would be for themselves and that would be that.

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Speaker 4: But if you don't think there are resellers trying to

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Speaker 4: shop these Black Friday sales and get these massive items

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Speaker 4: that they can sell at a huge markup afterwards, you're

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Speaker 4: probably fooling yourself a little bit. Yeah, so it is

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Speaker 4: definitely a risk, but that's also part of what makes

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Speaker 4: the lengthier season so much better. I think at this point,

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Speaker 4: the only time that we really see those super excellent

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Speaker 4: deals that sell out and just the blink of an

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Speaker 4: eye is if you're looking at certain lightning deals on Amazon,

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Speaker 4: or if the items are in such limited quantities that

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Speaker 4: they are literally running for like it starts at six

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Speaker 4: am online on Thanksgiving until supplies last, and that's it.

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Speaker 4: You can usually tell the really in demand items based

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Speaker 4: on where they fall within the ad. But if there's

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Speaker 4: something that you're looking at and you're like, that is

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Speaker 4: a really good price that's probably gonna sell out really quickly.

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Speaker 3: It is definitely a.

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Speaker 4: Risk, but also if it goes live on Thanksgiving, there's

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Speaker 4: only so much you can do, So I would say

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Speaker 4: if you're trying to kind of gauge which ones are

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Speaker 4: going to have the most potential to sell out quickly,

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Speaker 4: it's probably going to be the ones that are actually

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Speaker 4: available on Black Friday itself in store. So that at

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Speaker 4: least should make it a little bit easier to navigate,

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Speaker 4: because they don't want to deal with people crashing their

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Speaker 4: site on Thanksgiving when the stores are closed and a

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Speaker 4: whole bunch of people are off anyway, So they're going

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Speaker 4: to be strategic about rolling out these super in demand deals.

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Speaker 4: And it's kind of why it's a good idea to

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Speaker 4: start looking now, Like we've seen some things that target

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Speaker 4: already that are basically last year's Black Friday prices and

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Speaker 4: they're just already there, ready to shop and you don't

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Speaker 4: have to worry about them selling out yet.

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Speaker 2: Okay, so you're talking about specific items, Are there any

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Speaker 2: particular items that are going to be like really hot

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Speaker 2: this year like it like in years past, maybe it

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Speaker 2: was like the instant pot or from maybe a decade

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Speaker 2: ago take me on share. Yeah, have there been any

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Speaker 2: signs that there's going to be an item like that

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Speaker 2: that's just going to be crazy hot, It's going to

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Speaker 2: go immediately. It is something that everybody's wanting.

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Speaker 4: Oh, I have to imagine that some of the hottest

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Speaker 4: things that are going to be really in demand this year,

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Speaker 4: probably to some degree video game consoles. But the thing

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Speaker 4: that really amuses me about that whole situation is we

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Speaker 4: see the same bundles every holiday, So there will.

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Speaker 3: Be switched bundles with Mario Kart.

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Speaker 4: There may be potential for something like a PlayStation console

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Speaker 4: bundles with Spider Man two as like a really popular one.

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Speaker 4: I feel like Barbie toys are going to be pretty

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Speaker 4: up there this year too because of the move.

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Speaker 2: Maybe fewer Christopher Nolan Oppenheimer toys, maybe more more on

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Speaker 2: the Barbie side. Nuclear bombs right there, great toy because

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Speaker 2: a lot of destruction. We've got more questions to get

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Speaker 2: to with you, Julia, and specifically want to talk about

430
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Speaker 2: maybe some unlikely deals that maybe people don't think to buy,

431
00:20:57,080 --> 00:20:59,320
Speaker 2: but they're often the best prices around this time of

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Speaker 2: year as well. Get to get more questions about finding

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Speaker 2: the best deal, what to buy, when to shop, where

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Speaker 2: to shop with Julie. Right after this, we are back.

435
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Speaker 2: We're talking with Julie Ramhold, who doesn't want to be

436
00:21:20,240 --> 00:21:23,680
Speaker 2: able to exit the holiday shopping season without that financial hangover.

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Speaker 1: Yeah.

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Speaker 2: So, Julie, earlier before the break, you were talking about

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Speaker 2: Target specifically, and you were mentioning, did you say starting

440
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Speaker 2: October twenty second is when their price match guarantee period started?

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Speaker 3: That's right? Yeah.

442
00:21:35,880 --> 00:21:38,960
Speaker 2: Are there other specific retailers who are offering a price

443
00:21:39,080 --> 00:21:42,520
Speaker 2: match like that? Does it just vary depending on the

444
00:21:42,520 --> 00:21:43,880
Speaker 2: actual specific retailer.

445
00:21:43,920 --> 00:21:45,840
Speaker 1: Are there a group of retailers who are all doing this,

446
00:21:46,000 --> 00:21:47,520
Speaker 1: or they ever give you a better deal not just

447
00:21:47,520 --> 00:21:49,679
Speaker 1: because the price dropped at their store, but because it

448
00:21:49,720 --> 00:21:50,640
Speaker 1: dropped in another store.

449
00:21:50,720 --> 00:21:51,720
Speaker 3: As a general.

450
00:21:51,480 --> 00:21:54,000
Speaker 4: Rule, No, you're not ever going to get a better

451
00:21:54,040 --> 00:21:58,399
Speaker 4: deal for Black Friday. I will say that most retailers

452
00:21:58,560 --> 00:22:01,720
Speaker 4: suspend their price matching, Paul, we'll see during Black Friday

453
00:22:01,760 --> 00:22:04,960
Speaker 4: period some of them won't even price match themselves.

454
00:22:05,119 --> 00:22:06,400
Speaker 1: Okay, so it's.

455
00:22:06,600 --> 00:22:08,080
Speaker 3: Very weird during that time.

456
00:22:08,800 --> 00:22:11,960
Speaker 4: I think it's probably generally safe to assume that if

457
00:22:11,960 --> 00:22:14,560
Speaker 4: it's the week of Thanksgiving or the week of cyber Monday,

458
00:22:14,640 --> 00:22:16,760
Speaker 4: you're probably not going to get a price match. You

459
00:22:16,760 --> 00:22:19,400
Speaker 4: can try, I say, go for it, make sure you're

460
00:22:19,440 --> 00:22:23,639
Speaker 4: polite and patient, but don't count on it. Aside from that, though,

461
00:22:24,320 --> 00:22:26,399
Speaker 4: it's one of those things that will definitely depend on

462
00:22:27,080 --> 00:22:30,639
Speaker 4: which retailer you're shopping. So if you're really curious, I

463
00:22:30,680 --> 00:22:34,760
Speaker 4: would say google something like Best Buy Holiday price matching

464
00:22:34,760 --> 00:22:37,320
Speaker 4: policy or something like that, and you can usually find

465
00:22:37,359 --> 00:22:39,840
Speaker 4: the information on it pretty quickly so that you're kind

466
00:22:39,840 --> 00:22:42,879
Speaker 4: of prepared before you start really getting into your shopping

467
00:22:42,920 --> 00:22:44,000
Speaker 4: and adding things for your part.

468
00:22:44,040 --> 00:22:44,800
Speaker 1: Gotcha, Okay, cool?

469
00:22:44,840 --> 00:22:47,359
Speaker 2: So you just mentioned cyber Monday, which actually got me thinking,

470
00:22:48,160 --> 00:22:49,920
Speaker 2: is that even a thing anymore? Because again, with these

471
00:22:49,960 --> 00:22:53,159
Speaker 2: deals starting sooner, with most retailer switching to online as

472
00:22:53,200 --> 00:22:56,480
Speaker 2: opposed to having the in store deals, cyber Monday, is

473
00:22:56,480 --> 00:22:57,160
Speaker 2: that even a thing.

474
00:22:57,680 --> 00:22:59,040
Speaker 3: So it still is, But.

475
00:22:59,000 --> 00:23:03,000
Speaker 4: It's so funny to me because we talked years ago

476
00:23:03,160 --> 00:23:07,240
Speaker 4: about how Cyber Monday has this weird reputation as having

477
00:23:07,280 --> 00:23:10,040
Speaker 4: Black Friday's leftovers, and that was when people were still

478
00:23:10,080 --> 00:23:10,720
Speaker 4: going into.

479
00:23:10,560 --> 00:23:13,439
Speaker 3: Stores to shop for Black Friday. And I feel like

480
00:23:13,800 --> 00:23:17,440
Speaker 3: now that might be more true than it was then

481
00:23:18,200 --> 00:23:19,000
Speaker 3: it's strange.

482
00:23:19,080 --> 00:23:23,240
Speaker 4: We always see certain categories that really stack up as

483
00:23:23,280 --> 00:23:25,480
Speaker 4: being better to shop on Black Friday, better to shop

484
00:23:25,520 --> 00:23:29,320
Speaker 4: on Thanksgiving, better to shop on Cyber Monday. But for

485
00:23:29,520 --> 00:23:33,000
Speaker 4: years now we've also seen Black Friday start on Thanksgiving.

486
00:23:33,080 --> 00:23:37,000
Speaker 4: So even now with retailers like Target and Walmart being

487
00:23:37,080 --> 00:23:41,160
Speaker 4: closed on Thanksgiving Day, they still have their deals starting online.

488
00:23:42,160 --> 00:23:46,320
Speaker 4: Then when Cyber Monday rolls around, everything is online again.

489
00:23:47,119 --> 00:23:49,080
Speaker 4: It's gotten to the point where you kind of look

490
00:23:49,160 --> 00:23:52,320
Speaker 4: at what you see on Black Friday could come back

491
00:23:52,359 --> 00:23:53,680
Speaker 4: for Cyber Monday.

492
00:23:53,840 --> 00:23:55,080
Speaker 3: Or it could be slightly worse.

493
00:23:56,160 --> 00:24:00,440
Speaker 4: So it's kind of weird, and you do have to

494
00:24:00,480 --> 00:24:02,800
Speaker 4: decide how much you're willing to risk. I will say,

495
00:24:03,119 --> 00:24:05,520
Speaker 4: in the past couple of years especially, it seems like

496
00:24:06,400 --> 00:24:09,439
Speaker 4: Thanksgiving and Black Friday have been more about individual deals,

497
00:24:09,600 --> 00:24:12,840
Speaker 4: so that's where you find things like the super cheap

498
00:24:12,960 --> 00:24:19,320
Speaker 4: cureg coffee makers, or the really great price on small

499
00:24:19,400 --> 00:24:21,600
Speaker 4: kitchen appliances in general, or something like that.

500
00:24:21,800 --> 00:24:22,600
Speaker 3: And then when you.

501
00:24:22,920 --> 00:24:25,680
Speaker 4: Shift into Cyber Monday deals, that's when you may start

502
00:24:25,720 --> 00:24:29,800
Speaker 4: to see sitewide offers. So if you're shopping for clothing

503
00:24:29,800 --> 00:24:33,119
Speaker 4: on Black Friday, you may find something like boots for

504
00:24:33,359 --> 00:24:36,840
Speaker 4: by one get one fifty percent off pairs, not you know,

505
00:24:37,640 --> 00:24:42,160
Speaker 4: individual boots. You'd be surprised how often that conversation comes up.

506
00:24:42,280 --> 00:24:45,360
Speaker 4: But you know, you'll see things like that, or sweaters

507
00:24:45,400 --> 00:24:48,000
Speaker 4: for like ten dollars or something like that. But then

508
00:24:48,040 --> 00:24:50,760
Speaker 4: when Cyber Monday rolls around, it'll be a site wide

509
00:24:50,920 --> 00:24:54,760
Speaker 4: like forty percent off sale or something like that. So

510
00:24:56,760 --> 00:24:59,920
Speaker 4: it kind of leads it open for having some better

511
00:25:00,040 --> 00:25:03,600
Speaker 4: discounts on Cyber Monday, but it's also not a guarantee.

512
00:25:04,000 --> 00:25:07,080
Speaker 4: So I usually tell people, if you're really concerned with

513
00:25:07,119 --> 00:25:10,200
Speaker 4: getting the best price, the best thing you can do

514
00:25:10,359 --> 00:25:13,200
Speaker 4: is make a list of everything you want to buy

515
00:25:13,280 --> 00:25:17,240
Speaker 4: during Black Friday, start looking for those deals no later

516
00:25:17,320 --> 00:25:22,080
Speaker 4: than Monday of Black Friday week, and just check in

517
00:25:22,240 --> 00:25:27,320
Speaker 4: periodically through Cyber Monday at least. And I mean, the

518
00:25:27,359 --> 00:25:28,960
Speaker 4: sad thing is too, is that you just kind of

519
00:25:28,960 --> 00:25:31,280
Speaker 4: have to be prepared that at some point you may

520
00:25:31,320 --> 00:25:33,879
Speaker 4: have to say it's good enough and you're not going

521
00:25:33,960 --> 00:25:36,680
Speaker 4: to get the lowest price, or you might not get

522
00:25:36,720 --> 00:25:39,560
Speaker 4: the lowest price, but it fits your budget, so go

523
00:25:39,640 --> 00:25:40,000
Speaker 4: for it.

524
00:25:40,119 --> 00:25:42,640
Speaker 1: So so much of the time during this kind of

525
00:25:42,880 --> 00:25:46,800
Speaker 1: this period of the shopping calendar year. I think so

526
00:25:46,800 --> 00:25:49,720
Speaker 1: many people are thinking about deals on TVs, or thinking

527
00:25:49,720 --> 00:25:53,800
Speaker 1: about deals on kids toys, gaming systems, inflatable hot tubs.

528
00:25:53,840 --> 00:25:57,080
Speaker 1: Sometimes so, but there are other things that you write

529
00:25:57,119 --> 00:26:01,040
Speaker 1: about on the deal new site, and you include like predictions,

530
00:26:01,080 --> 00:26:03,320
Speaker 1: let's say, about travel deals that are likely to come along.

531
00:26:03,440 --> 00:26:06,040
Speaker 1: That's something I don't necessarily think about as being oh,

532
00:26:06,080 --> 00:26:09,840
Speaker 1: I should totally look to book a trip over during

533
00:26:09,880 --> 00:26:12,720
Speaker 1: Black Friday for future travel. Are we likely to see

534
00:26:12,720 --> 00:26:15,560
Speaker 1: deals on travel and if so, what are those deals

535
00:26:15,640 --> 00:26:16,320
Speaker 1: likely to look like?

536
00:26:16,440 --> 00:26:19,359
Speaker 4: We're definitely going to see deals on travel. I was

537
00:26:19,400 --> 00:26:21,960
Speaker 4: speaking with someone this morning about how it seems like

538
00:26:22,040 --> 00:26:25,120
Speaker 4: the travel industry has finally recovered enough to the point

539
00:26:26,000 --> 00:26:28,800
Speaker 4: where recovered from the pandemic, I should say, to the

540
00:26:28,800 --> 00:26:32,760
Speaker 4: point where they aren't afraid to offer up significant deals.

541
00:26:32,880 --> 00:26:38,359
Speaker 4: And so we're already seeing some online travel agencies rollout offers.

542
00:26:38,480 --> 00:26:41,639
Speaker 4: I think it was price Line that basically had some

543
00:26:41,680 --> 00:26:45,560
Speaker 4: of their things kick off on November sixth, so they're

544
00:26:45,600 --> 00:26:49,080
Speaker 4: sort of also getting in the early Black Friday deal game.

545
00:26:49,800 --> 00:26:53,320
Speaker 4: But they'll have sales over Black Friday and Cyber Monday

546
00:26:53,320 --> 00:26:55,040
Speaker 4: for sure, and also Travel Tuesday.

547
00:26:55,160 --> 00:26:58,040
Speaker 1: Wait Travel Tuesdays. I think I don't think I knew

548
00:26:58,040 --> 00:26:58,439
Speaker 1: that any.

549
00:26:58,600 --> 00:26:59,040
Speaker 3: It's a thing.

550
00:26:59,720 --> 00:27:04,439
Speaker 1: It's okay, all right, there's a day every worry.

551
00:27:05,119 --> 00:27:07,280
Speaker 4: So yeah, I mean there will be sales that are

552
00:27:07,280 --> 00:27:09,000
Speaker 4: going to be something like up to thirty percent of

553
00:27:09,080 --> 00:27:12,560
Speaker 4: hotel stays or something like that. The biggest thing is

554
00:27:12,920 --> 00:27:16,960
Speaker 4: to remember to kind of read the fine print and

555
00:27:17,040 --> 00:27:20,360
Speaker 4: make sure that whatever deal you're trying to take advantage

556
00:27:20,400 --> 00:27:22,720
Speaker 4: of is going to be for a time period that

557
00:27:22,760 --> 00:27:23,080
Speaker 4: you need.

558
00:27:23,119 --> 00:27:24,359
Speaker 3: I think a lot of people when.

559
00:27:24,200 --> 00:27:27,960
Speaker 4: They book travel, unless they're booking some massive trip for

560
00:27:28,119 --> 00:27:33,119
Speaker 4: like way out, they're probably booking travel closer to like six.

561
00:27:33,000 --> 00:27:36,960
Speaker 3: Weeks out because it's for the upcoming holiday or a

562
00:27:37,000 --> 00:27:39,080
Speaker 3: holiday weekend, or like a little.

563
00:27:38,800 --> 00:27:41,000
Speaker 4: Trip they know they want to take or something like that.

564
00:27:41,040 --> 00:27:44,399
Speaker 4: So they may not be thinking ahead. But we've seen

565
00:27:44,800 --> 00:27:47,840
Speaker 4: cruise deals pop up on Black Friday before that are

566
00:27:47,880 --> 00:27:51,400
Speaker 4: basically valid for the end of twenty twenty three through

567
00:27:51,520 --> 00:27:53,880
Speaker 4: the end of twenty twenty four or something like that.

568
00:27:54,400 --> 00:27:58,480
Speaker 4: So you can definitely get this sort of wide swath

569
00:27:58,600 --> 00:28:02,800
Speaker 4: of travel dates of vail by looking for these epic

570
00:28:02,920 --> 00:28:06,360
Speaker 4: sales on Black Friday and Cyber Monday and Travel Tuesday

571
00:28:07,280 --> 00:28:10,119
Speaker 4: and So it may just be something that's kind of

572
00:28:10,160 --> 00:28:12,320
Speaker 4: not the mindset that a lot of people have when

573
00:28:12,320 --> 00:28:15,240
Speaker 4: they're thinking about booking travel, but it definitely is worth

574
00:28:15,720 --> 00:28:19,880
Speaker 4: checking it out and going, oh, I'm planning to go

575
00:28:19,960 --> 00:28:22,600
Speaker 4: to Japan in three months, and I can book this

576
00:28:22,800 --> 00:28:26,639
Speaker 4: great package right now. It's like, yeah, absolutely, go ahead

577
00:28:26,680 --> 00:28:28,439
Speaker 4: and do that. If you know that you want to

578
00:28:28,480 --> 00:28:30,560
Speaker 4: travel somewhere, and even if you want to do something

579
00:28:30,600 --> 00:28:33,000
Speaker 4: like a Disney cruise or go to a Disney park,

580
00:28:33,760 --> 00:28:36,239
Speaker 4: look for deals. There is a really good chance there

581
00:28:36,240 --> 00:28:39,400
Speaker 4: will be deals on tickets to the parks, on cruises.

582
00:28:39,480 --> 00:28:42,440
Speaker 4: It could be something where you know you not only

583
00:28:42,440 --> 00:28:44,720
Speaker 4: get a great fare, but you also get some extra

584
00:28:44,800 --> 00:28:45,680
Speaker 4: perks added on.

585
00:28:46,120 --> 00:28:46,880
Speaker 1: So nice.

586
00:28:47,080 --> 00:28:48,200
Speaker 3: It's definitely worth it.

587
00:28:48,120 --> 00:28:50,320
Speaker 2: All right, So let's let's go back to the shift

588
00:28:50,360 --> 00:28:53,680
Speaker 2: back to like actual items. Definitely going to keep an

589
00:28:53,680 --> 00:28:56,160
Speaker 2: eye out for potential travel deals. Maybe GOI my first

590
00:28:56,160 --> 00:28:58,880
Speaker 2: ever cruise, which I've never never done before. But when

591
00:28:58,880 --> 00:29:01,240
Speaker 2: it comes to items to gifts that you would purchase,

592
00:29:01,280 --> 00:29:05,920
Speaker 2: somebody you say to not ignore refurbished items, and you know,

593
00:29:06,000 --> 00:29:07,400
Speaker 2: like I feel like it's always tough to know whether

594
00:29:07,480 --> 00:29:10,360
Speaker 2: or not buying referb is a good idea or a

595
00:29:10,400 --> 00:29:12,480
Speaker 2: bad one, especially if the warranty is a lot shorter.

596
00:29:13,280 --> 00:29:14,880
Speaker 2: But do you like the idea of folks kind of

597
00:29:15,040 --> 00:29:15,960
Speaker 2: taking that route to save?

598
00:29:16,440 --> 00:29:19,000
Speaker 4: In general, I think it's a good idea, mostly because

599
00:29:19,040 --> 00:29:22,280
Speaker 4: as long as you buy from somebody that's reputable, you

600
00:29:22,320 --> 00:29:25,400
Speaker 4: should be fine. So if you buy through like EBA

601
00:29:25,560 --> 00:29:29,880
Speaker 4: certified refurbished, or if you buy open box or refurbished

602
00:29:29,880 --> 00:29:32,080
Speaker 4: from Best Buy or something like that, you're going to

603
00:29:32,200 --> 00:29:35,840
Speaker 4: have steps to take if something doesn't work as it should.

604
00:29:35,880 --> 00:29:37,960
Speaker 4: And like you said, you usually get at least a

605
00:29:38,040 --> 00:29:40,040
Speaker 4: year warranty or something like that.

606
00:29:40,760 --> 00:29:43,120
Speaker 3: So I think it can.

607
00:29:43,000 --> 00:29:45,320
Speaker 4: Be a really smart way to get your hands on

608
00:29:45,440 --> 00:29:50,000
Speaker 4: the latest tech. But I also will note that depending

609
00:29:50,040 --> 00:29:53,200
Speaker 4: on what generation of product you're looking at, you may

610
00:29:53,240 --> 00:29:55,280
Speaker 4: be able to get it brand new for around the

611
00:29:55,360 --> 00:30:01,040
Speaker 4: same price. I think one of Walmart's deals that went

612
00:30:01,120 --> 00:30:06,760
Speaker 4: live on November eighth was for the second generation air

613
00:30:06,880 --> 00:30:10,960
Speaker 4: pods with a charging case. They're normally about one hundred bucks.

614
00:30:11,440 --> 00:30:14,960
Speaker 4: They dropped to sixty nine. That was like the best

615
00:30:15,000 --> 00:30:18,280
Speaker 4: price we had seen for those new. The next closest

616
00:30:18,280 --> 00:30:20,760
Speaker 4: thing we had seen was sixty bucks for a pair

617
00:30:20,800 --> 00:30:23,360
Speaker 4: that was refurbished, So at that.

618
00:30:23,320 --> 00:30:24,880
Speaker 1: Point, you're worth the ten bucks.

619
00:30:24,960 --> 00:30:27,920
Speaker 4: Exactly if you can get new ones for really close

620
00:30:28,000 --> 00:30:30,560
Speaker 4: to what the refurbished price is. I mean, at that point,

621
00:30:30,680 --> 00:30:32,240
Speaker 4: just I say go for the new ones.

622
00:30:32,040 --> 00:30:34,760
Speaker 2: Just to be safe, Yeah, and just to avoid somebody

623
00:30:34,760 --> 00:30:39,200
Speaker 2: else's ear pods that have been in somebody else's ears, right, just.

624
00:30:39,760 --> 00:30:42,200
Speaker 1: To avoid the addition the whole comes with freaks.

625
00:30:43,320 --> 00:30:43,520
Speaker 3: You know.

626
00:30:43,720 --> 00:30:45,720
Speaker 2: I feel like there's a way to embrace the open

627
00:30:45,720 --> 00:30:47,640
Speaker 2: box as well, because as I think about it, I'm

628
00:30:47,680 --> 00:30:49,960
Speaker 2: picturing like old school. It makes me think of like

629
00:30:49,960 --> 00:30:53,000
Speaker 2: a Norman Rockwell painting, and you've got under the tree.

630
00:30:53,080 --> 00:30:55,160
Speaker 2: There's presents that are rat but you also like there's

631
00:30:55,200 --> 00:30:57,800
Speaker 2: the there's a few toys and whatnot that maybe have

632
00:30:57,880 --> 00:31:00,040
Speaker 2: a bow perched on top. And I think that I

633
00:31:00,080 --> 00:31:03,480
Speaker 2: could totally be a way to embrace literally the open boxing,

634
00:31:03,480 --> 00:31:05,200
Speaker 2: because sometimes if you're like, oh wow, you can kind

635
00:31:05,240 --> 00:31:07,040
Speaker 2: of tell that this was pre owned or something like that.

636
00:31:07,040 --> 00:31:08,479
Speaker 1: But what if you just go ahead and embrace it,

637
00:31:08,640 --> 00:31:10,520
Speaker 1: you take it out of the box and set it

638
00:31:10,520 --> 00:31:12,280
Speaker 1: out there all right? That doesn't maybe I feel like

639
00:31:12,360 --> 00:31:14,280
Speaker 1: that's a that's an approach a lot of Folskus. I'm curious, Matt,

640
00:31:14,360 --> 00:31:15,840
Speaker 1: you know, I we've talked about this on the show before,

641
00:31:15,880 --> 00:31:18,920
Speaker 1: but Julie, what's your take? Is it kosher? Is it allowed?

642
00:31:19,000 --> 00:31:22,640
Speaker 1: Is it okay to buy a used gift for a

643
00:31:22,680 --> 00:31:24,560
Speaker 1: loved one, like, for instance, let's say they wanted some

644
00:31:24,600 --> 00:31:27,440
Speaker 1: free weights or some disc golf equipment could Is it

645
00:31:27,480 --> 00:31:28,880
Speaker 1: okay to go to play it against sports and buy

646
00:31:28,920 --> 00:31:31,880
Speaker 1: some of that stuff? Or is is buying something used

647
00:31:31,920 --> 00:31:34,200
Speaker 1: and then gifting it? Is that just beyond the pale?

648
00:31:34,320 --> 00:31:36,959
Speaker 4: I mean, as long as it's in decent shape and

649
00:31:37,080 --> 00:31:39,920
Speaker 4: doesn't so you don't want to buy like a set

650
00:31:39,960 --> 00:31:43,120
Speaker 4: of discs for disc golf and one of them have

651
00:31:43,240 --> 00:31:45,240
Speaker 4: like a glaring crack down the middle.

652
00:31:45,080 --> 00:31:46,320
Speaker 1: Or something like that. Yeah, problem.

653
00:31:46,400 --> 00:31:50,720
Speaker 4: Yeah, as long as they look at best gently used,

654
00:31:50,760 --> 00:31:52,320
Speaker 4: I would say it's totally fine, okay.

655
00:31:52,560 --> 00:31:54,960
Speaker 2: And it kind of depends so much on the item, right,

656
00:31:55,000 --> 00:31:57,880
Speaker 2: because you know, if you're into like vintage watches, well,

657
00:31:57,880 --> 00:32:02,040
Speaker 2: obviously they're all us, they're all they've all got some

658
00:32:02,040 --> 00:32:03,480
Speaker 2: some wear and tear on them. I'm not into the

659
00:32:03,560 --> 00:32:04,680
Speaker 2: vintage AirPods.

660
00:32:05,840 --> 00:32:06,000
Speaker 4: Yeah.

661
00:32:06,400 --> 00:32:10,960
Speaker 2: Technology wise, vintage doesn't really work with electronics. But Julie,

662
00:32:11,280 --> 00:32:14,840
Speaker 2: you've written about budgeting and you say that that's Basically,

663
00:32:14,880 --> 00:32:17,520
Speaker 2: your number one tip when it comes to holiday spending

664
00:32:17,600 --> 00:32:20,120
Speaker 2: is to actually set a budget. That's something we can

665
00:32:20,160 --> 00:32:22,480
Speaker 2: obviously appreciate here at how to Money, But do you

666
00:32:22,480 --> 00:32:26,080
Speaker 2: have any specific tips, any specific recommendations on that front

667
00:32:26,080 --> 00:32:28,480
Speaker 2: when it comes to budgeting. Do you have like a

668
00:32:28,800 --> 00:32:31,080
Speaker 2: even a dollar amounts that you'd be willing to throw

669
00:32:31,120 --> 00:32:33,880
Speaker 2: out there for folks as they're considering different members of

670
00:32:33,920 --> 00:32:34,400
Speaker 2: their family.

671
00:32:34,560 --> 00:32:37,840
Speaker 4: Ooh, that's tough, because I think it also comes down

672
00:32:37,880 --> 00:32:40,920
Speaker 4: to how close you are to said member of the family.

673
00:32:41,320 --> 00:32:44,040
Speaker 4: Like I'm really close to my dad, so I wouldn't

674
00:32:44,080 --> 00:32:46,479
Speaker 4: bat an eye at spending, you know, fifty two one

675
00:32:46,520 --> 00:32:48,880
Speaker 4: hundred dollars or something like that on a gift for him,

676
00:32:49,000 --> 00:32:51,479
Speaker 4: especially if it's like a first edition book that I

677
00:32:51,520 --> 00:32:56,400
Speaker 4: know he's gonna love or something. But like my cousin's wife,

678
00:32:56,600 --> 00:32:58,440
Speaker 4: who I might not be so close to.

679
00:33:00,080 --> 00:33:03,240
Speaker 2: Yeah, yeah, she said, probably just in case she happens

680
00:33:03,240 --> 00:33:07,640
Speaker 2: to be listening. She's thinking twice about it, So yeah, I.

681
00:33:07,600 --> 00:33:09,920
Speaker 4: Think it it comes down to it's kind of like

682
00:33:10,680 --> 00:33:14,000
Speaker 4: when you get an invitation to a wedding that.

683
00:33:13,960 --> 00:33:16,680
Speaker 3: You're like, oh, man, I haven't seen these people since college.

684
00:33:16,800 --> 00:33:18,400
Speaker 3: It's been like ten years.

685
00:33:18,760 --> 00:33:21,840
Speaker 4: I don't even know the person they're marrying, and then

686
00:33:21,880 --> 00:33:23,959
Speaker 4: it's like, oh, but I still have to send a gift.

687
00:33:24,160 --> 00:33:25,840
Speaker 4: What am I going to send off? It's kind of

688
00:33:25,840 --> 00:33:29,160
Speaker 4: along those lines like how close are you to the gifty?

689
00:33:29,400 --> 00:33:33,040
Speaker 4: That will help you determine how much is okay to spend,

690
00:33:33,240 --> 00:33:35,840
Speaker 4: And then when you're putting your budget together, the biggest

691
00:33:35,880 --> 00:33:39,080
Speaker 4: thing I think is to decide if you're doing like

692
00:33:39,760 --> 00:33:42,600
Speaker 4: a budget for the entire holiday season, which can get

693
00:33:42,960 --> 00:33:45,840
Speaker 4: kind of big and overwhelming, but also can potentially help

694
00:33:45,840 --> 00:33:48,920
Speaker 4: you save money, or are you just worried about setting

695
00:33:48,960 --> 00:33:50,560
Speaker 4: a budget for like gifting.

696
00:33:50,840 --> 00:33:53,479
Speaker 1: Yeah, okay, So that brings me to I think a

697
00:33:53,520 --> 00:33:55,800
Speaker 1: really really important question, one that we face more and

698
00:33:55,800 --> 00:33:58,440
Speaker 1: more of these days, is people buying stuff for themselves

699
00:33:58,680 --> 00:34:00,800
Speaker 1: and that can often blow up a holiday budget. Right

700
00:34:00,840 --> 00:34:02,920
Speaker 1: You've you've maybe said, okay, cool, I'm going to spend

701
00:34:02,920 --> 00:34:04,800
Speaker 1: seventy five bucks on my dad. I'm going to spend

702
00:34:04,800 --> 00:34:07,760
Speaker 1: two dollars for my cousin's wife because she's not that great.

703
00:34:08,120 --> 00:34:13,640
Speaker 1: But she did not say that. She said I put

704
00:34:13,640 --> 00:34:16,399
Speaker 1: words in your mouth. I'm sorry. Okay, so you kind

705
00:34:16,440 --> 00:34:18,320
Speaker 1: of have those numbers broken out, but man, one of

706
00:34:18,360 --> 00:34:20,600
Speaker 1: the most insidious things. One of the things that causes

707
00:34:20,719 --> 00:34:23,319
Speaker 1: that parts us from our dollars so often during the

708
00:34:23,360 --> 00:34:26,399
Speaker 1: holidays that maybe we hadn't planned on, is we say,

709
00:34:26,440 --> 00:34:29,719
Speaker 1: ooh deal, I'd like that. Oh other deal, I'd like that.

710
00:34:29,960 --> 00:34:31,640
Speaker 1: And this is something I used to struggle with more

711
00:34:31,680 --> 00:34:33,279
Speaker 1: in those in those young pub days where I was

712
00:34:33,280 --> 00:34:35,279
Speaker 1: addicted to deal news. I still like deal news, but

713
00:34:35,280 --> 00:34:37,480
Speaker 1: I've had to kind of rein it in a little bit.

714
00:34:37,800 --> 00:34:40,800
Speaker 1: But like, what what is how do you help people

715
00:34:40,840 --> 00:34:42,840
Speaker 1: think through or what do you say to folks who say,

716
00:34:43,280 --> 00:34:45,040
Speaker 1: how do I make sure I don't spend too much

717
00:34:45,080 --> 00:34:48,200
Speaker 1: money buying loads of stuff that's on sale for myself

718
00:34:48,480 --> 00:34:51,040
Speaker 1: during a time where it's supposed to be about buying

719
00:34:51,040 --> 00:34:53,920
Speaker 1: for others, or even just not buying as much at

720
00:34:53,920 --> 00:34:55,080
Speaker 1: all and just togetherness.

721
00:34:55,480 --> 00:34:59,120
Speaker 4: So I think there are a couple of ways to

722
00:34:59,200 --> 00:35:02,080
Speaker 4: navigate this. If you tend to be one of those

723
00:35:02,080 --> 00:35:05,080
Speaker 4: people that like to treat yourself a lot, go ahead

724
00:35:05,080 --> 00:35:08,360
Speaker 4: and put yourself in the budget, you know, title it

725
00:35:08,440 --> 00:35:11,000
Speaker 4: self care or whatever, and put a cap on it

726
00:35:11,600 --> 00:35:14,839
Speaker 4: and then just try to be really mindful of it.

727
00:35:14,880 --> 00:35:17,480
Speaker 4: But the other sneakier way to work around this, I

728
00:35:17,520 --> 00:35:20,560
Speaker 4: would say, is figure out a way to make it

729
00:35:20,680 --> 00:35:22,520
Speaker 4: for yourself but also someone else.

730
00:35:22,920 --> 00:35:25,719
Speaker 3: So if you're looking ahead buying an.

731
00:35:25,560 --> 00:35:29,440
Speaker 4: Experience, for instance, like oh, this place is having a

732
00:35:29,600 --> 00:35:34,279
Speaker 4: great price on their massage gift cards for you know,

733
00:35:34,320 --> 00:35:38,120
Speaker 4: a spot a, you can get that to treat yourself.

734
00:35:38,440 --> 00:35:40,719
Speaker 4: You can also make sure that it's enough to treat

735
00:35:40,760 --> 00:35:46,799
Speaker 4: your best friend while you're at it. Yeah, and then

736
00:35:46,840 --> 00:35:50,040
Speaker 4: it's like, oh, hey, instead of getting you another sweater,

737
00:35:50,200 --> 00:35:52,080
Speaker 4: I got us gift cards so we can go have

738
00:35:52,160 --> 00:35:56,160
Speaker 4: a spa daya together, and you know, it's it kind

739
00:35:56,160 --> 00:35:57,319
Speaker 4: of evens out that way.

740
00:35:57,760 --> 00:35:59,719
Speaker 2: Honestly, I feel I can get behind that because what

741
00:35:59,719 --> 00:36:02,960
Speaker 2: you're also doing there is you're creating uh some quality

742
00:36:03,000 --> 00:36:05,160
Speaker 2: time for you. I mean, and I've never been to

743
00:36:06,080 --> 00:36:09,000
Speaker 2: the spa with my best buddy, but I envisioned that

744
00:36:09,040 --> 00:36:10,880
Speaker 2: we would have some discussions there.

745
00:36:10,760 --> 00:36:13,200
Speaker 1: And I'm ready to talk.

746
00:36:13,040 --> 00:36:14,920
Speaker 3: Golf then or instead or something like.

747
00:36:14,880 --> 00:36:17,359
Speaker 2: That, which I also have never done. I feel there's

748
00:36:17,400 --> 00:36:19,800
Speaker 2: a lot of fun things that I might be getting

749
00:36:19,840 --> 00:36:20,399
Speaker 2: for you, Joel.

750
00:36:20,440 --> 00:36:21,920
Speaker 1: I think I'm doing that with my cousins. Is this

751
00:36:21,960 --> 00:36:23,040
Speaker 1: holiday season really yeah?

752
00:36:24,600 --> 00:36:26,600
Speaker 2: Uh, well, like what's your what's your take on gift

753
00:36:26,640 --> 00:36:29,440
Speaker 2: cards Julie, because I think I read somewhere that it

754
00:36:29,440 --> 00:36:31,520
Speaker 2: looks like it's projected that more money is going to

755
00:36:31,560 --> 00:36:34,480
Speaker 2: be spent this year, in particular on gift cards. But

756
00:36:34,520 --> 00:36:37,399
Speaker 2: the problem is there are so many dollars of gift

757
00:36:37,440 --> 00:36:40,520
Speaker 2: card money that just end up languishing in underwear drawers

758
00:36:40,520 --> 00:36:43,239
Speaker 2: because people forget where they've placed it, kind of fall

759
00:36:43,320 --> 00:36:46,120
Speaker 2: under the socks. Is that a gift that you think

760
00:36:46,200 --> 00:36:48,759
Speaker 2: folks should give. I'm curious to hear your thoughts there.

761
00:36:49,239 --> 00:36:53,000
Speaker 4: I am ready to banish the stigma on gift cards.

762
00:36:53,080 --> 00:36:54,120
Speaker 3: I love getting right.

763
00:36:54,360 --> 00:36:56,840
Speaker 1: We can butt heads on this one.

764
00:36:57,600 --> 00:37:00,200
Speaker 4: I always hate it when people ask me, oh, oh,

765
00:37:00,239 --> 00:37:01,080
Speaker 4: your birthday's coming up?

766
00:37:01,120 --> 00:37:02,560
Speaker 3: What do you want? What do you want for Christmas?

767
00:37:02,560 --> 00:37:04,640
Speaker 3: And I'm like, I have no idea? Are you kidding me?

768
00:37:05,280 --> 00:37:08,359
Speaker 4: So I usually don't have an answer to give them

769
00:37:08,440 --> 00:37:12,200
Speaker 4: other than gift card. And the good thing is too

770
00:37:12,480 --> 00:37:15,319
Speaker 4: that December especially is going to be really great for

771
00:37:15,360 --> 00:37:16,240
Speaker 4: buying gift cards.

772
00:37:16,400 --> 00:37:19,400
Speaker 3: But there's also a handful of.

773
00:37:19,280 --> 00:37:22,719
Speaker 4: Retailers and restaurants that already have their special holiday promotions

774
00:37:22,800 --> 00:37:26,680
Speaker 4: rolling out now, so it can be hard, especially to

775
00:37:26,719 --> 00:37:30,040
Speaker 4: get older generations on board with giving gift cards as gifts.

776
00:37:30,920 --> 00:37:33,520
Speaker 4: But if you can tell them that they'll actually be

777
00:37:33,640 --> 00:37:36,560
Speaker 4: stretching their dollar and making it go further because of

778
00:37:36,760 --> 00:37:41,319
Speaker 4: bonus cards and other freezies attached, maybe they'll lean into it.

779
00:37:41,440 --> 00:37:43,480
Speaker 1: But that's the only time that I get behind gift cards.

780
00:37:43,520 --> 00:37:46,960
Speaker 1: And I get that it's an easy gift so much

781
00:37:46,960 --> 00:37:48,880
Speaker 1: of the time, but I see those stats about the

782
00:37:48,920 --> 00:37:51,400
Speaker 1: billions of dollars that end up just going kind of wasted,

783
00:37:51,800 --> 00:37:54,200
Speaker 1: and I can't help but think that just giving somebody

784
00:37:54,239 --> 00:37:57,800
Speaker 1: cash would often be more effective and you're not turning

785
00:37:57,920 --> 00:38:00,640
Speaker 1: US currency into something that can only be used at retailer.

786
00:38:00,880 --> 00:38:02,719
Speaker 1: But I agree this time of year is the best

787
00:38:02,760 --> 00:38:04,640
Speaker 1: time of year to actually look for gift cards because

788
00:38:04,800 --> 00:38:08,400
Speaker 1: there's often deals and incentives attached right that make that

789
00:38:08,480 --> 00:38:10,400
Speaker 1: turn the value of a dollar into more than just

790
00:38:10,440 --> 00:38:12,880
Speaker 1: a dollar. So I'm with you on that. I guess

791
00:38:13,320 --> 00:38:17,040
Speaker 1: question about payment methods buy now Pay Later was around

792
00:38:17,080 --> 00:38:18,600
Speaker 1: last year. Of course, it's been around for a little

793
00:38:18,640 --> 00:38:20,840
Speaker 1: while now, but it's gaining a lot of steam. It's

794
00:38:21,000 --> 00:38:23,000
Speaker 1: getting a lot of momentum. I've all the stats point

795
00:38:23,040 --> 00:38:24,799
Speaker 1: to people using buy now, Pay later more and more

796
00:38:24,840 --> 00:38:27,160
Speaker 1: and more, and I think this is a way people

797
00:38:27,200 --> 00:38:30,479
Speaker 1: think maybe that oh, I'm saving money or oh I'm

798
00:38:30,560 --> 00:38:34,239
Speaker 1: budgeting more effectively by paying for this in for easy installments,

799
00:38:34,480 --> 00:38:38,799
Speaker 1: But like, do you have any insight on the best

800
00:38:38,840 --> 00:38:42,839
Speaker 1: way to buy presence? Is there is there a specific

801
00:38:43,040 --> 00:38:45,319
Speaker 1: method of payment that you prefer, and how do you

802
00:38:45,400 --> 00:38:48,320
Speaker 1: think about buy now, pay later and how that's affecting consumers.

803
00:38:48,840 --> 00:38:53,640
Speaker 4: So I think by now pay later is definitely valuable.

804
00:38:53,840 --> 00:38:57,520
Speaker 4: It's just one of those solutions where it's best to

805
00:38:58,560 --> 00:39:01,279
Speaker 4: know yourself, be brutally on with yourself about what your

806
00:39:01,280 --> 00:39:05,200
Speaker 4: spending habits are, what your financial weaknesses are, and then

807
00:39:05,719 --> 00:39:09,480
Speaker 4: decide from there, is this something I can handle? Is

808
00:39:09,520 --> 00:39:12,560
Speaker 4: it worth the potential risk of running into more financial

809
00:39:12,560 --> 00:39:13,360
Speaker 4: trouble later?

810
00:39:14,080 --> 00:39:15,960
Speaker 3: And also, there's.

811
00:39:15,760 --> 00:39:18,560
Speaker 4: So many different companies out there now that it's like,

812
00:39:18,680 --> 00:39:21,279
Speaker 4: if you do decide to lean into buy now, pay later,

813
00:39:21,360 --> 00:39:24,680
Speaker 4: and you're using multiple companies for the love of everything,

814
00:39:24,760 --> 00:39:28,000
Speaker 4: keep us spreadsheet so you know that you've got something

815
00:39:28,000 --> 00:39:29,759
Speaker 4: from here and here and here and you can pay

816
00:39:29,800 --> 00:39:30,440
Speaker 4: your bills off.

817
00:39:30,640 --> 00:39:33,040
Speaker 2: That's honestly, that's one of the biggest things that I

818
00:39:33,080 --> 00:39:35,960
Speaker 2: have an issue with is the fact that it's essentially

819
00:39:35,960 --> 00:39:37,839
Speaker 2: each item that you buy. It's almost like that there

820
00:39:37,920 --> 00:39:41,000
Speaker 2: is a statement, a credit statement. It's almost like each

821
00:39:41,040 --> 00:39:42,400
Speaker 2: one of those is a credit card where you have

822
00:39:42,440 --> 00:39:44,279
Speaker 2: to keep up with a billing statement when it's due.

823
00:39:44,880 --> 00:39:47,680
Speaker 2: And in my mind, I think of the same person

824
00:39:47,719 --> 00:39:51,759
Speaker 2: who may not have a solid credit score, which means

825
00:39:51,760 --> 00:39:53,880
Speaker 2: they don't have a maybe a great credit card, that

826
00:39:53,880 --> 00:39:56,160
Speaker 2: they're also going to have run into the same struggles

827
00:39:56,200 --> 00:39:58,640
Speaker 2: when it comes to being able to stay organized. But

828
00:39:58,680 --> 00:40:00,439
Speaker 2: I like what you said, which is to make sure

829
00:40:00,440 --> 00:40:03,279
Speaker 2: that you know yourself. And this also makes me think

830
00:40:03,360 --> 00:40:06,120
Speaker 2: of even just shopping and deals just like kind of

831
00:40:06,160 --> 00:40:08,640
Speaker 2: stepping back, like zooming out a little bit, like the

832
00:40:08,640 --> 00:40:10,480
Speaker 2: same way we talk about credit cards, right that you

833
00:40:10,480 --> 00:40:13,200
Speaker 2: can use them as a tool, but you need to

834
00:40:13,239 --> 00:40:15,920
Speaker 2: be careful because if you're going to be tempted to overspend,

835
00:40:16,000 --> 00:40:18,440
Speaker 2: then maybe you don't want to use this tool. Do

836
00:40:18,520 --> 00:40:21,799
Speaker 2: you think that there's a similar subset of people who

837
00:40:21,880 --> 00:40:25,520
Speaker 2: might should be careful when it comes to looking at

838
00:40:25,560 --> 00:40:28,080
Speaker 2: all of the different deals out there. If there's somebody

839
00:40:28,080 --> 00:40:29,760
Speaker 2: out there and they know that they might be tempted

840
00:40:29,800 --> 00:40:31,880
Speaker 2: to overspend because it's going to be hard for them

841
00:40:31,920 --> 00:40:36,239
Speaker 2: to resist because it's such a great percentage off. Do

842
00:40:36,280 --> 00:40:38,320
Speaker 2: you think it's better for those folks just to avoid

843
00:40:38,400 --> 00:40:39,320
Speaker 2: the sales all together.

844
00:40:39,719 --> 00:40:44,000
Speaker 4: Honestly, it can be and I usually, especially around the

845
00:40:44,040 --> 00:40:47,600
Speaker 4: first of the year, will have someone ask me what

846
00:40:47,640 --> 00:40:49,600
Speaker 4: are your tips for trying to cut back on spending

847
00:40:49,680 --> 00:40:51,600
Speaker 4: in general? And one of the first things I do

848
00:40:51,760 --> 00:40:55,600
Speaker 4: is tell people to unsubscribe from all of the retailer

849
00:40:55,640 --> 00:40:58,880
Speaker 4: newsletters they subscribe to for the holiday season.

850
00:40:58,960 --> 00:41:01,000
Speaker 3: Because if you don't want to know about the sale,

851
00:41:01,160 --> 00:41:02,240
Speaker 3: you can't be tempted.

852
00:41:03,040 --> 00:41:05,719
Speaker 4: I am horrible about this, don't get me wrong. My

853
00:41:05,800 --> 00:41:10,160
Speaker 4: inbox is full of stuff, especially right now. But I

854
00:41:10,239 --> 00:41:14,160
Speaker 4: realize too that if you're not great about talking yourself

855
00:41:14,160 --> 00:41:17,880
Speaker 4: out of a purchase, you don't really need or even want.

856
00:41:17,960 --> 00:41:21,279
Speaker 4: And some of the deals around Black Friday especially can

857
00:41:21,320 --> 00:41:24,120
Speaker 4: be so incredible that you're like, I don't know what.

858
00:41:24,080 --> 00:41:26,520
Speaker 3: I'm gonna do with that, but that's such a good deal,

859
00:41:26,600 --> 00:41:30,200
Speaker 3: I'm gonna get it anyway. It can make it hard.

860
00:41:30,440 --> 00:41:35,880
Speaker 4: So if you're one of those people that may fall

861
00:41:35,960 --> 00:41:39,120
Speaker 4: for buying something because it's a good deal and not

862
00:41:39,160 --> 00:41:41,120
Speaker 4: necessarily because it's a good deal on something that you

863
00:41:41,200 --> 00:41:44,920
Speaker 4: need or want, it could be worth avoiding the sales,

864
00:41:45,040 --> 00:41:48,200
Speaker 4: maybe not all of them, but pick your favorite retailer

865
00:41:48,360 --> 00:41:51,480
Speaker 4: and try to stick with them. If you really like

866
00:41:51,560 --> 00:41:54,960
Speaker 4: shopping at Target, then you know, try to stick with

867
00:41:55,400 --> 00:41:58,399
Speaker 4: just their newsletters instead of getting like Target and best

868
00:41:58,400 --> 00:42:00,000
Speaker 4: Buy and Walmart and everything else.

869
00:42:00,880 --> 00:42:03,120
Speaker 1: Well, it sounds like you were describing ten twelve year

870
00:42:03,120 --> 00:42:05,400
Speaker 1: ago Joel right there for a second, and I was like,

871
00:42:05,520 --> 00:42:07,759
Speaker 1: I was, I was a deal nerd, and it was

872
00:42:08,320 --> 00:42:10,800
Speaker 1: I came to realize, wait a second, I'm just loading

873
00:42:10,880 --> 00:42:13,000
Speaker 1: up on stuff, and it turns out I'm buying stuff

874
00:42:13,000 --> 00:42:14,600
Speaker 1: that I'm either not going to use or I'm not

875
00:42:14,680 --> 00:42:16,200
Speaker 1: terribly happy with. But I thought it was because it

876
00:42:16,239 --> 00:42:19,640
Speaker 1: was a good price. And I think that certain people

877
00:42:19,640 --> 00:42:22,400
Speaker 1: with hyper frugal tendencies can fall victim to that and

878
00:42:22,440 --> 00:42:25,120
Speaker 1: they end up actually it's the opposite of frugal to

879
00:42:25,160 --> 00:42:27,480
Speaker 1: buy stuff that you don't need, even just because it's

880
00:42:27,480 --> 00:42:29,600
Speaker 1: a deal. But that is that is a common trap

881
00:42:29,640 --> 00:42:31,560
Speaker 1: that a lot of people fall into around kind of

882
00:42:31,600 --> 00:42:33,600
Speaker 1: Black Friday time period. So yeah, long before A was

883
00:42:33,640 --> 00:42:36,680
Speaker 1: Girl Math, it was Jordan. That's right. I started the trend.

884
00:42:36,880 --> 00:42:39,720
Speaker 1: Little does everyone know it should be named after me, folks.

885
00:42:39,880 --> 00:42:42,640
Speaker 1: I probably I need like a like a big statue

886
00:42:42,680 --> 00:42:45,439
Speaker 1: in my honor for the inception of that. But Julie,

887
00:42:45,440 --> 00:42:46,719
Speaker 1: we got a few more questions we want to get

888
00:42:46,719 --> 00:42:50,920
Speaker 1: to with you, specifically about avoiding the holiday hangover come January.

889
00:42:50,920 --> 00:42:52,920
Speaker 1: We'll we'll get to a little bit more with you

890
00:42:53,080 --> 00:43:03,440
Speaker 1: on this topic right after this break. All right, we

891
00:43:03,480 --> 00:43:03,879
Speaker 1: are back.

892
00:43:03,880 --> 00:43:06,719
Speaker 2: We're still talking with Julie Ramhold and Julie. So a

893
00:43:06,800 --> 00:43:11,120
Speaker 2: quick personal question you're talking about you know, you mentioned, like,

894
00:43:11,160 --> 00:43:12,920
Speaker 2: I guess one of the best ways to say this

895
00:43:13,000 --> 00:43:15,520
Speaker 2: by unsubscribing to those newsletters. We were just talking about

896
00:43:15,560 --> 00:43:19,000
Speaker 2: that come January. That way, you don't even know about

897
00:43:19,000 --> 00:43:21,879
Speaker 2: those deals, but you mentioned January. It made me think,

898
00:43:22,000 --> 00:43:24,600
Speaker 2: are you one of the folks who starts to budget

899
00:43:24,680 --> 00:43:27,400
Speaker 2: for the holidays a year in advance, where you just

900
00:43:27,440 --> 00:43:29,920
Speaker 2: have a nice, solid year of build up so that

901
00:43:29,960 --> 00:43:31,680
Speaker 2: you are fully prepared.

902
00:43:31,800 --> 00:43:33,400
Speaker 1: I am not, okay.

903
00:43:34,280 --> 00:43:38,080
Speaker 4: I am a procrastinator to the biggest degree. And I

904
00:43:38,120 --> 00:43:43,000
Speaker 4: think we probably don't start considering holiday budget shopping until

905
00:43:44,320 --> 00:43:48,400
Speaker 4: maybe three months out, so like July or so. Usually

906
00:43:48,400 --> 00:43:50,920
Speaker 4: about the time I start writing Black Friday content for

907
00:43:51,000 --> 00:43:53,120
Speaker 4: deal News is about when we're like, okay, we should

908
00:43:53,120 --> 00:43:55,399
Speaker 4: probably start looking ahead to the holidays and figuring out

909
00:43:55,400 --> 00:43:55,960
Speaker 4: our budgets.

910
00:43:55,960 --> 00:43:59,080
Speaker 2: Well, honestly thought like better late than ever, right, you know,

911
00:43:59,320 --> 00:44:01,600
Speaker 2: I feel like in a perfect world if you can

912
00:44:01,640 --> 00:44:05,200
Speaker 2: be I don't know, a little more robotic with your finances. Yeah,

913
00:44:05,239 --> 00:44:07,080
Speaker 2: like you are looking like a full year in advance.

914
00:44:07,120 --> 00:44:09,160
Speaker 2: But better July than very November.

915
00:44:09,200 --> 00:44:11,319
Speaker 1: I mean, because that president for your cousin's wife, you're

916
00:44:11,320 --> 00:44:15,279
Speaker 1: going to find itself. Well, one of the last you

917
00:44:15,360 --> 00:44:17,879
Speaker 1: just mentioned procrastination. One of the things you don't want

918
00:44:17,880 --> 00:44:20,359
Speaker 1: to procrastinate on is returning stuff that you end up

919
00:44:20,400 --> 00:44:22,680
Speaker 1: not wanting. You place the order, maybe because it's a deal,

920
00:44:22,920 --> 00:44:24,799
Speaker 1: you realize, oh wait, I don't want that. Oh I

921
00:44:24,800 --> 00:44:27,239
Speaker 1: forgot I already bought a present for my mom, and

922
00:44:27,320 --> 00:44:30,200
Speaker 1: so I actually don't need this, need this thing. Talk

923
00:44:30,200 --> 00:44:34,120
Speaker 1: to me about holiday return policies and are there something

924
00:44:34,680 --> 00:44:37,760
Speaker 1: like sometimes more and more we're seeing fees attached, especially

925
00:44:37,800 --> 00:44:40,239
Speaker 1: if you're mailing something back to a retailer where you're

926
00:44:40,239 --> 00:44:42,279
Speaker 1: not going to necessarily get the full price of what

927
00:44:42,360 --> 00:44:43,600
Speaker 1: you ordered back into you account.

928
00:44:43,719 --> 00:44:47,600
Speaker 4: Yeah, I would say, if you think that you're going

929
00:44:47,640 --> 00:44:50,239
Speaker 4: to have to return something, try to figure out a

930
00:44:50,320 --> 00:44:52,160
Speaker 4: nice way to ask for a gift receipt if you're

931
00:44:52,200 --> 00:44:54,880
Speaker 4: getting it from someone else. If you're giving something to

932
00:44:54,920 --> 00:44:57,200
Speaker 4: someone else, I would say make sure to include a

933
00:44:57,200 --> 00:44:59,520
Speaker 4: gift receipt unless you just don't like them, just because

934
00:44:59,600 --> 00:45:03,600
Speaker 4: it will the process easier. But overall, yeah, if you're

935
00:45:03,640 --> 00:45:07,640
Speaker 4: looking at returning something, especially if it's electronics, that's when

936
00:45:07,640 --> 00:45:12,080
Speaker 4: we really see things like the restocking fees apply. And

937
00:45:12,400 --> 00:45:16,280
Speaker 4: at that point, sometimes it'll be a flat rate, sometimes

938
00:45:16,280 --> 00:45:19,680
Speaker 4: it'll be something like fifteen percent of the purchase price.

939
00:45:20,239 --> 00:45:22,600
Speaker 3: So they're really trying to discourage you.

940
00:45:22,600 --> 00:45:27,200
Speaker 4: From returning items, which from a business standpoint I can understand.

941
00:45:27,760 --> 00:45:30,399
Speaker 4: But because of that, it may come down to kind

942
00:45:30,400 --> 00:45:34,600
Speaker 4: of weighing your options, like is it worth returning, especially

943
00:45:34,600 --> 00:45:36,960
Speaker 4: if you have to ship it back and pay for shipping.

944
00:45:37,600 --> 00:45:41,400
Speaker 4: So if you if you're kind of weighing your options

945
00:45:41,560 --> 00:45:44,920
Speaker 4: and you're thinking about returning something, I would definitely try

946
00:45:44,960 --> 00:45:48,600
Speaker 4: to factor in restocking fees, return shipping to see if

947
00:45:48,680 --> 00:45:50,880
Speaker 4: it might just be worth it to turn around and

948
00:45:51,000 --> 00:45:54,479
Speaker 4: put it on a local marketplace or something like that.

949
00:45:54,560 --> 00:45:56,760
Speaker 4: You may be able to recoup more of your costs

950
00:45:56,840 --> 00:46:00,880
Speaker 4: that way. But it's just it's one of those situations

951
00:46:00,880 --> 00:46:03,840
Speaker 4: that's going to kind of vary from retailer to retailer

952
00:46:03,920 --> 00:46:05,960
Speaker 4: and based on what you buy as well. Another big

953
00:46:06,000 --> 00:46:08,840
Speaker 4: problem we see with electronics is that they have a

954
00:46:08,920 --> 00:46:13,160
Speaker 4: much shorter return window. So in general, we tend to

955
00:46:13,200 --> 00:46:18,279
Speaker 4: see retailers saying, you know, like items purchased in late

956
00:46:18,360 --> 00:46:23,640
Speaker 4: November or early December can be returned until like mid

957
00:46:23,800 --> 00:46:27,759
Speaker 4: or late January, sometimes even later. They will extend their

958
00:46:27,760 --> 00:46:31,000
Speaker 4: return policies for these items by a good margin. But

959
00:46:31,040 --> 00:46:33,920
Speaker 4: when it comes to things like electronics, you may still

960
00:46:33,960 --> 00:46:37,600
Speaker 4: only have like fourteen or fifteen days from purchase. So

961
00:46:38,400 --> 00:46:41,480
Speaker 4: it's important to note those differences and kind of realize

962
00:46:41,480 --> 00:46:44,399
Speaker 4: what you're getting into before you buy something, especially if

963
00:46:44,400 --> 00:46:46,360
Speaker 4: it's a pricey electronic item.

964
00:46:46,520 --> 00:46:48,960
Speaker 2: Sure, yeah, yeah, and that's yeah. That's assuming too that

965
00:46:49,000 --> 00:46:51,799
Speaker 2: you have the ability ability at all to make the return,

966
00:46:51,840 --> 00:46:54,840
Speaker 2: because sometimes you've got there's different sort of tricks that

967
00:46:54,920 --> 00:46:57,640
Speaker 2: get played on you, whether it's something being final sale

968
00:46:57,920 --> 00:47:01,480
Speaker 2: and oh, turns out you actually don't have the ability.

969
00:47:01,000 --> 00:47:01,799
Speaker 1: To return this.

970
00:47:01,840 --> 00:47:04,400
Speaker 2: Are there are there some other sort of marketing retailer

971
00:47:04,440 --> 00:47:07,120
Speaker 2: tricks like that where those different stores are trying to

972
00:47:07,760 --> 00:47:09,960
Speaker 2: trying to part us from our money, whether it's to

973
00:47:10,040 --> 00:47:12,359
Speaker 2: spend additional money or to make a purchase that maybe

974
00:47:12,400 --> 00:47:13,960
Speaker 2: we wouldn't have made at all.

975
00:47:14,280 --> 00:47:17,040
Speaker 4: So that is definitely where the urgency of Black Friday

976
00:47:17,080 --> 00:47:18,080
Speaker 4: comes into.

977
00:47:18,719 --> 00:47:21,920
Speaker 3: Is if you can sometimes buy.

978
00:47:21,920 --> 00:47:25,839
Speaker 4: Floor models of things, for instance, whether it's electronics or

979
00:47:25,960 --> 00:47:28,359
Speaker 4: furniture or something like that. But the problem with that

980
00:47:28,520 --> 00:47:32,400
Speaker 4: is that typically it is final sale, so they may.

981
00:47:32,320 --> 00:47:34,280
Speaker 3: Or may not tell you that at the time of purchase.

982
00:47:34,440 --> 00:47:36,319
Speaker 4: But if you're having to kind of jump through those

983
00:47:36,360 --> 00:47:39,760
Speaker 4: hoops to get your hands on something because the standard

984
00:47:39,800 --> 00:47:43,120
Speaker 4: boxed inventory sold out or something like that, it's something

985
00:47:43,160 --> 00:47:47,080
Speaker 4: to definitely be aware of. Pay attention to exclusions and

986
00:47:47,120 --> 00:47:49,400
Speaker 4: things like that, because it may say like, oh, you

987
00:47:49,440 --> 00:47:53,160
Speaker 4: can buy anything purchased after December first until you know

988
00:47:53,280 --> 00:47:56,439
Speaker 4: January twenty fourth, and then there's a mile long list

989
00:47:56,440 --> 00:47:57,600
Speaker 4: of fine print exclusions.

990
00:47:57,600 --> 00:47:59,200
Speaker 3: But if you don't read that, then you won't know.

991
00:47:59,280 --> 00:48:02,040
Speaker 2: Yeah, yeah, who's reading all the fine print. We're so

992
00:48:02,160 --> 00:48:04,960
Speaker 2: used to just scrolling to the bottom, ye clicking except all,

993
00:48:05,080 --> 00:48:09,000
Speaker 2: whether it's on terms of service with apps or yeah,

994
00:48:09,040 --> 00:48:11,160
Speaker 2: the fine print app retailers, I'm seeing a whole lot

995
00:48:11,200 --> 00:48:13,560
Speaker 2: more final sales, especially clothing items these days than I've

996
00:48:13,600 --> 00:48:16,279
Speaker 2: ever seen in my life, and so you definitely have

997
00:48:16,360 --> 00:48:19,319
Speaker 2: to notice that, and it varies between individual items. It's

998
00:48:19,320 --> 00:48:21,759
Speaker 2: not like everything on the site is final sale. It's

999
00:48:21,800 --> 00:48:24,000
Speaker 2: certain specific items, right, and so you just have to

1000
00:48:24,040 --> 00:48:26,000
Speaker 2: note that when you're making the purchase and all.

1001
00:48:26,239 --> 00:48:28,840
Speaker 1: Julie. Final question for you, I guess not Black Friday specific,

1002
00:48:28,920 --> 00:48:30,759
Speaker 1: but maybe zoom out just a little bit. You've been

1003
00:48:30,800 --> 00:48:33,640
Speaker 1: in the deal space for quite a while. What's your

1004
00:48:33,640 --> 00:48:35,600
Speaker 1: take on finding deals on the internet in general? Like

1005
00:48:35,640 --> 00:48:38,239
Speaker 1: best practices? And then I think in some ways we

1006
00:48:38,280 --> 00:48:40,000
Speaker 1: all thought it would that the Internet was going to

1007
00:48:40,040 --> 00:48:42,759
Speaker 1: make it easier to comparison shop to find a deal,

1008
00:48:43,440 --> 00:48:44,960
Speaker 1: but it feels like that hasn't really been true in

1009
00:48:45,000 --> 00:48:48,560
Speaker 1: a lot of ways either that it's still just as

1010
00:48:48,600 --> 00:48:51,640
Speaker 1: opaque as and if I'm wrong, let me know. But

1011
00:48:51,840 --> 00:48:53,919
Speaker 1: still it feels like finding a deal or knowing whether

1012
00:48:54,000 --> 00:48:58,000
Speaker 1: something is a deal is still pretty opaque. Even given

1013
00:48:58,160 --> 00:49:01,279
Speaker 1: kind of the advantages we have as consumer shopping on

1014
00:49:01,320 --> 00:49:05,280
Speaker 1: the internet, what ways can we maybe use the internet

1015
00:49:05,360 --> 00:49:09,040
Speaker 1: and the realities of kind of shopping e commerce, how

1016
00:49:09,040 --> 00:49:10,600
Speaker 1: can we use that to our avantage to actually make

1017
00:49:10,640 --> 00:49:12,279
Speaker 1: sure that we're getting a good deal.

1018
00:49:12,840 --> 00:49:16,799
Speaker 4: So this is where I contradict myself and say that

1019
00:49:17,000 --> 00:49:21,279
Speaker 4: if you're kind of looking around and you've realized that

1020
00:49:21,440 --> 00:49:25,840
Speaker 4: maybe something you want to purchase is only available direct

1021
00:49:25,920 --> 00:49:29,160
Speaker 4: from the manufacturer, or they're the ones that are most

1022
00:49:29,200 --> 00:49:30,160
Speaker 4: likely to have a good.

1023
00:49:29,960 --> 00:49:31,279
Speaker 3: Price, or something like that.

1024
00:49:32,480 --> 00:49:35,520
Speaker 4: Try to sign up for their newsletter because they will

1025
00:49:35,560 --> 00:49:38,520
Speaker 4: alert you to sales, as we've talked about, but they

1026
00:49:38,719 --> 00:49:42,120
Speaker 4: will also potentially send you a discount code as sort

1027
00:49:42,160 --> 00:49:44,480
Speaker 4: of a welcome thing, and it could be ten percent,

1028
00:49:44,520 --> 00:49:46,400
Speaker 4: it could be fifteen percent. Probably not going to be

1029
00:49:46,440 --> 00:49:49,959
Speaker 4: anything crazy, but it will definitely help to cut down

1030
00:49:49,960 --> 00:49:52,440
Speaker 4: on your order and help you save a little bit,

1031
00:49:52,480 --> 00:49:56,359
Speaker 4: at least initially. Outside of that, it is really hard

1032
00:49:56,360 --> 00:49:59,839
Speaker 4: to do comparison shopping. I know that when we're kind

1033
00:49:59,880 --> 00:50:03,600
Speaker 4: of looking around trying to judge what deals our best,

1034
00:50:03,800 --> 00:50:06,880
Speaker 4: we will use Google shopping just because it pulls up

1035
00:50:06,920 --> 00:50:09,040
Speaker 4: results from a whole bunch of different places.

1036
00:50:09,440 --> 00:50:10,720
Speaker 3: But it's still a lot of work.

1037
00:50:10,560 --> 00:50:13,799
Speaker 4: To sort of sift through those and figure out which

1038
00:50:13,840 --> 00:50:17,319
Speaker 4: ones are reputable sellers, which ones are actually selling the

1039
00:50:17,360 --> 00:50:19,960
Speaker 4: object I'm looking for, and it's not just a scam

1040
00:50:20,000 --> 00:50:23,120
Speaker 4: with the picture, it can get tiring.

1041
00:50:23,520 --> 00:50:26,120
Speaker 1: And you mentioned reputable sellers, Is that a problem to

1042
00:50:26,360 --> 00:50:30,200
Speaker 1: like just crap websites that don't if a deal is

1043
00:50:30,480 --> 00:50:32,600
Speaker 1: it looks too seems too good to be true. Is

1044
00:50:32,640 --> 00:50:34,160
Speaker 1: it probably too good to be true, and it's from

1045
00:50:34,200 --> 00:50:36,000
Speaker 1: some sort of website that doesn't actually stand behind what

1046
00:50:36,000 --> 00:50:36,360
Speaker 1: it sells.

1047
00:50:36,400 --> 00:50:39,320
Speaker 4: I feel like this is a huge problem. So in general,

1048
00:50:39,400 --> 00:50:41,640
Speaker 4: it's gotten easier to sort of open a store on

1049
00:50:41,680 --> 00:50:46,880
Speaker 4: the internet, and if you're not shopping through something like

1050
00:50:47,000 --> 00:50:50,160
Speaker 4: Etsy or eBay, where you can look at seller ratings

1051
00:50:50,280 --> 00:50:53,240
Speaker 4: and see like, oh, okay, this one's actually pretty highly rated.

1052
00:50:53,320 --> 00:50:56,640
Speaker 4: Oh this one has a notorious track record of not

1053
00:50:56,840 --> 00:50:59,759
Speaker 4: sending the right item or not sending anything at all,

1054
00:51:00,360 --> 00:51:02,560
Speaker 4: then you know you're kind of leaving it up to chance.

1055
00:51:02,920 --> 00:51:05,640
Speaker 3: And there have definitely.

1056
00:51:05,160 --> 00:51:09,839
Speaker 4: Been cases where I've seen products listed online that are

1057
00:51:09,920 --> 00:51:13,920
Speaker 4: like clearly claiming to be something they're not and hoping

1058
00:51:13,960 --> 00:51:17,880
Speaker 4: that shoppers don't notice. And some shoppers won't. Not everybody

1059
00:51:17,920 --> 00:51:21,640
Speaker 4: does their research. Sometimes they see a price on something

1060
00:51:21,760 --> 00:51:23,839
Speaker 4: that seems like it's great and they just assume they

1061
00:51:23,840 --> 00:51:26,279
Speaker 4: found a great deal, and then they get stuck with

1062
00:51:26,320 --> 00:51:29,080
Speaker 4: this headache of trying to either get their money back

1063
00:51:29,320 --> 00:51:32,719
Speaker 4: or get the item that they ordered or something like that.

1064
00:51:33,040 --> 00:51:36,160
Speaker 4: And it is kind of a good idea to always

1065
00:51:36,200 --> 00:51:40,600
Speaker 4: stick with sellers that you can at least research, whether

1066
00:51:40,640 --> 00:51:44,600
Speaker 4: it be a big brand or if you're on eBay

1067
00:51:44,800 --> 00:51:47,680
Speaker 4: then a highly rated seller, or even a big brand

1068
00:51:48,560 --> 00:51:51,600
Speaker 4: on eBay because they also have eBay storefrones now stuff

1069
00:51:51,640 --> 00:51:55,000
Speaker 4: like that. I'm so torn because I like shopping small

1070
00:51:55,080 --> 00:51:58,880
Speaker 4: and I like shopping indie, but it definitely pays to

1071
00:51:58,920 --> 00:52:01,680
Speaker 4: try to find reviews before you make your first purchase

1072
00:52:01,680 --> 00:52:05,720
Speaker 4: from somewhere. Especially if something seems like a really great deal,

1073
00:52:05,880 --> 00:52:08,319
Speaker 4: you want to make sure that it's as good as

1074
00:52:08,360 --> 00:52:08,920
Speaker 4: it seems.

1075
00:52:09,080 --> 00:52:12,439
Speaker 3: And the lesser known the store.

1076
00:52:13,640 --> 00:52:16,800
Speaker 4: Kind of the more potential it has to be something

1077
00:52:16,800 --> 00:52:17,720
Speaker 4: potentially shady.

1078
00:52:17,800 --> 00:52:20,000
Speaker 2: If that makes sense, it makes all the sense in

1079
00:52:20,040 --> 00:52:22,879
Speaker 2: the world. Julie, we really appreciate you talking with us.

1080
00:52:23,000 --> 00:52:25,799
Speaker 2: We're definitely going to link to deal News, and specifically,

1081
00:52:26,160 --> 00:52:28,400
Speaker 2: we came across a page that had all of the

1082
00:52:28,400 --> 00:52:33,240
Speaker 2: different Black Friday flyers essentially listed out by retailer.

1083
00:52:33,320 --> 00:52:35,000
Speaker 1: We'll link to that. But do you have any other

1084
00:52:35,200 --> 00:52:39,560
Speaker 1: extremely helpful resources for folks who are looking for specific deals.

1085
00:52:39,680 --> 00:52:43,720
Speaker 4: I would say, if you're shopping online, lean into using

1086
00:52:43,800 --> 00:52:47,920
Speaker 4: extensions that give you cash back, especially around Black Friday.

1087
00:52:47,960 --> 00:52:51,600
Speaker 4: Stuff like Rakutin will be increasing their rates for some

1088
00:52:51,640 --> 00:52:57,200
Speaker 4: stores so if you're earning something like three percent cash

1089
00:52:57,239 --> 00:53:00,920
Speaker 4: back normally, then around Black Friday it could or even triple.

1090
00:53:01,120 --> 00:53:04,239
Speaker 4: So definitely use that as much as you can.

1091
00:53:04,800 --> 00:53:05,919
Speaker 3: That will help you save.

1092
00:53:06,600 --> 00:53:09,160
Speaker 4: Maybe not upfront, but when you get that check with

1093
00:53:09,239 --> 00:53:11,880
Speaker 4: the cash back, it'll make the holidays feel a lot

1094
00:53:11,920 --> 00:53:12,520
Speaker 4: less stressful.

1095
00:53:12,719 --> 00:53:14,600
Speaker 1: Love it, Julie, Thank you again for joining us. We

1096
00:53:14,640 --> 00:53:15,400
Speaker 1: really appreciate it.

1097
00:53:15,440 --> 00:53:16,640
Speaker 3: Thank you so much for having me.

1098
00:53:17,080 --> 00:53:20,600
Speaker 1: Well, all right, Joel, who doesn't want an amazing deal

1099
00:53:20,760 --> 00:53:22,200
Speaker 1: on whatever it is that they want to buy for

1100
00:53:22,280 --> 00:53:24,440
Speaker 1: the inflatable hot tub, Matt, I told you what I

1101
00:53:24,480 --> 00:53:27,040
Speaker 1: want for their loved ones. And that's just for me though,

1102
00:53:27,160 --> 00:53:29,279
Speaker 1: well not just for you, for your buddy as well.

1103
00:53:29,320 --> 00:53:31,400
Speaker 1: It kind of goes to over. Maybe that'll be my

1104
00:53:31,400 --> 00:53:34,120
Speaker 1: big takeaway, the fact that if you are able to

1105
00:53:34,200 --> 00:53:35,279
Speaker 1: maybe justify a.

1106
00:53:35,239 --> 00:53:39,000
Speaker 2: Purchase, that it's not just for me. You're not doing

1107
00:53:39,000 --> 00:53:40,920
Speaker 2: this just for you, Joel. This is for you and

1108
00:53:41,000 --> 00:53:45,400
Speaker 2: your kids. It's the ability to create memories. Yeah, actually

1109
00:53:45,400 --> 00:53:48,400
Speaker 2: that's not gonna be my big take but yeah, no,

1110
00:53:48,440 --> 00:53:51,240
Speaker 2: it was great to talk with Julie from deal News.

1111
00:53:51,280 --> 00:53:53,680
Speaker 2: But yeah, did you have a specific takeaway big takeaway

1112
00:53:53,680 --> 00:53:54,440
Speaker 2: from this episode?

1113
00:53:54,520 --> 00:53:56,440
Speaker 1: Yeah, I think the biggest thing is buyer beware. Like

1114
00:53:56,640 --> 00:53:58,799
Speaker 1: she talked about restocking fees, she talked about when with

1115
00:53:58,880 --> 00:54:02,040
Speaker 1: travel deals, read the fine. And I think ultimately where

1116
00:54:02,080 --> 00:54:05,359
Speaker 1: you buy matters because when you buy, let's say, buy

1117
00:54:05,440 --> 00:54:07,799
Speaker 1: from somebody where you know the return policy and it's

1118
00:54:07,800 --> 00:54:10,760
Speaker 1: a good return policy. For instance, Costco has a ninety

1119
00:54:10,800 --> 00:54:14,120
Speaker 1: day return policy on electronics. That's you know, they don't

1120
00:54:14,120 --> 00:54:15,680
Speaker 1: make it a pain for you to return it and

1121
00:54:15,719 --> 00:54:17,640
Speaker 1: they don't charge a restocking fee. But if you buy

1122
00:54:17,640 --> 00:54:19,919
Speaker 1: from somewhere else, yeah, maybe you saved an extra ten bucks,

1123
00:54:19,960 --> 00:54:21,520
Speaker 1: but what if you need to return the item. So

1124
00:54:21,600 --> 00:54:25,560
Speaker 1: sometimes the absolute lowest price isn't necessarily even the direction

1125
00:54:25,640 --> 00:54:27,160
Speaker 1: you want to go. You want to go with the

1126
00:54:27,200 --> 00:54:29,600
Speaker 1: retailer where you're like, oh, that's five minutes from my house.

1127
00:54:29,880 --> 00:54:32,359
Speaker 1: They'll take the ability to make the return in person, yes,

1128
00:54:32,560 --> 00:54:35,120
Speaker 1: goes a long ways, and being a being able to

1129
00:54:35,120 --> 00:54:36,800
Speaker 1: offset some of those costs. Guess my big takeaway is

1130
00:54:36,800 --> 00:54:38,279
Speaker 1: going to kind of be in that vein as well

1131
00:54:38,360 --> 00:54:40,799
Speaker 1: that in an attempt to get the absolute best deal,

1132
00:54:41,239 --> 00:54:42,400
Speaker 1: to pay the absolute.

1133
00:54:42,040 --> 00:54:44,680
Speaker 2: Least amount on something, sometimes you will end up getting

1134
00:54:44,680 --> 00:54:47,640
Speaker 2: an inferior product. And I hadn't heard someone talk about

1135
00:54:47,920 --> 00:54:50,720
Speaker 2: the different off brand TVs before, but that's an area,

1136
00:54:50,840 --> 00:54:53,640
Speaker 2: like she said that oftentimes you are getting what you're

1137
00:54:53,640 --> 00:54:57,359
Speaker 2: paying for as opposed to looking for a legit deal

1138
00:54:57,480 --> 00:55:00,279
Speaker 2: on a legit company, like a company that it's going

1139
00:55:00,280 --> 00:55:04,000
Speaker 2: to make a quality product, and instead to not focus

1140
00:55:04,080 --> 00:55:06,680
Speaker 2: on the absolute lowest dollar amount and to not focus

1141
00:55:06,680 --> 00:55:09,319
Speaker 2: on some of the different retailers that you might just

1142
00:55:09,360 --> 00:55:10,840
Speaker 2: happen to stumble upon on Google.

1143
00:55:11,120 --> 00:55:11,719
Speaker 1: Was also glad to.

1144
00:55:11,719 --> 00:55:14,480
Speaker 2: Hear though Julie was down with those gift cards drillers. Yeah, no,

1145
00:55:14,560 --> 00:55:16,319
Speaker 2: you didn't like that. Yeah, sorry, Julia.

1146
00:55:16,360 --> 00:55:18,359
Speaker 1: Well but I will say this, if there's any time

1147
00:55:18,360 --> 00:55:20,160
Speaker 1: of year to do gift cards, it's when there are

1148
00:55:20,200 --> 00:55:22,080
Speaker 1: more deals on gift cards special incentives.

1149
00:55:22,120 --> 00:55:24,160
Speaker 2: So yeah, paying two hundred bucks, you're getting three hundred

1150
00:55:24,160 --> 00:55:25,880
Speaker 2: dollars worth of goods. Sure, that's a pretty sweet deal.

1151
00:55:25,920 --> 00:55:27,920
Speaker 2: I'm down with that gift card then. Yeah, but all right, Matt,

1152
00:55:27,960 --> 00:55:29,719
Speaker 2: let's move back to get back to the beer. This

1153
00:55:29,760 --> 00:55:33,719
Speaker 2: one is from Tumbleroot Brewery and Distillery. It's called Sunset.

1154
00:55:33,760 --> 00:55:37,160
Speaker 2: It's a hazy, dry hopped IPA I guess with yuzufruit.

1155
00:55:37,239 --> 00:55:38,960
Speaker 1: What were your thoughts on this? Yeah, do you have

1156
00:55:39,040 --> 00:55:40,759
Speaker 1: you ever had uzufruit before? I don't think so.

1157
00:55:40,840 --> 00:55:45,080
Speaker 2: It's an Asian citrus basically, and you can totally taste

1158
00:55:45,160 --> 00:55:49,080
Speaker 2: those kind of lemony, almost grapefruity notes coming through. Definitely

1159
00:55:49,080 --> 00:55:50,680
Speaker 2: get in that flavor, uh huh. So it's almost like

1160
00:55:50,719 --> 00:55:53,160
Speaker 2: a way for them to have created a like a

1161
00:55:53,239 --> 00:55:56,239
Speaker 2: West Coast hazy, which isn't a thing because West Coast

1162
00:55:56,280 --> 00:56:00,279
Speaker 2: IPAs are normally very citrusy, pithy, bitter. Yeah, but this

1163
00:56:00,320 --> 00:56:02,879
Speaker 2: one is hazy, and it also has some of those

1164
00:56:02,920 --> 00:56:05,919
Speaker 2: brighter citrus notes which I can totally get behind. So, yeah,

1165
00:56:05,920 --> 00:56:08,520
Speaker 2: this is a different kind of hazy that we have

1166
00:56:08,560 --> 00:56:09,440
Speaker 2: not experienced before.

1167
00:56:09,520 --> 00:56:12,759
Speaker 1: But says it's a malt beverage, which always throws me off.

1168
00:56:12,760 --> 00:56:14,520
Speaker 1: I'm like, why is it a malt beverage not a beer?

1169
00:56:14,600 --> 00:56:16,080
Speaker 1: But I like it.

1170
00:56:16,040 --> 00:56:18,040
Speaker 2: It's in a tall, skinny can like a red Bull,

1171
00:56:18,600 --> 00:56:19,880
Speaker 2: so it also doesn't feel like a.

1172
00:56:19,880 --> 00:56:23,200
Speaker 1: Beer definitely, and it's from a brewery and a distillery.

1173
00:56:23,440 --> 00:56:25,480
Speaker 1: So I just didn't know what to think about this

1174
00:56:25,480 --> 00:56:26,600
Speaker 1: one in a lot of ways, like I don't even

1175
00:56:26,600 --> 00:56:29,080
Speaker 1: know what I'm drinking. Yeah, I guess I like usu fruit.

1176
00:56:29,120 --> 00:56:32,439
Speaker 1: I'd love to try just a bite from a user.

1177
00:56:32,560 --> 00:56:35,240
Speaker 1: But this I like the beer. It was just also

1178
00:56:35,400 --> 00:56:37,360
Speaker 1: like what am I? It was hard to put my

1179
00:56:37,360 --> 00:56:39,480
Speaker 1: finger on exactly what I was drinking at the same time.

1180
00:56:40,239 --> 00:56:41,759
Speaker 1: And this is by the way, from our friend Bob.

1181
00:56:41,760 --> 00:56:43,720
Speaker 1: Thank you, Bill, Yeah, thank you Bob. You're the best.

1182
00:56:43,840 --> 00:56:45,600
Speaker 1: All right, Matt, that's gonna do it for this episode.

1183
00:56:45,600 --> 00:56:47,480
Speaker 1: We'll put show notes up on the website at how

1184
00:56:47,520 --> 00:56:49,080
Speaker 1: to Monday dot com links to some of the sites

1185
00:56:49,120 --> 00:56:51,960
Speaker 1: we mentioned today, including deal News of course, which is

1186
00:56:52,360 --> 00:56:55,440
Speaker 1: one of the best apps, slash websites to track deals

1187
00:56:55,480 --> 00:56:56,920
Speaker 1: and to look at the Black Friday flyers and all

1188
00:56:56,920 --> 00:56:59,359
Speaker 1: that stuff so you can plan your holiday shopping so

1189
00:56:59,400 --> 00:57:02,120
Speaker 1: you're not spending more than you wanted to. My buddy,

1190
00:57:02,120 --> 00:57:03,879
Speaker 1: that's going to do it for this episode. Until next time,

1191
00:57:04,200 --> 00:57:06,279
Speaker 1: Best Friends Out, Best Friends Out.