Speaker 1: Welcome to a Very Outspoken Christmas. It's that time of
Speaker 1: year to crank Mariah Carey in the car and begin
Speaker 1: your Christmas shopping. Our names are Amy Kate and Sophie Torber.
Speaker 1: We're identical triplets and during the festive season, we have
Speaker 1: an identical opinion. Christmas is the most wonderful time of
Speaker 1: the year. In this special series, we're discussing all things
Speaker 1: Christmas with help from some influential Australians.
Speaker 2: Far for you, Glen Colco, You go, Glen Cuco. And
Speaker 2: when Santa squeezes his fat white ass down that Jimney Day,
Speaker 2: He's gonna find the jolliest bunch of assholes this side
Speaker 2: of the nuthouse.
Speaker 1: Hello and welcome to episode two of A Very Outspoken Christmas. Today,
Speaker 1: we're so excited to be joined by Victoria Devine from
Speaker 1: the Sheese on the Money podcast. But before we get
Speaker 1: into that chat, can you guys believe it's thirty six
Speaker 1: sleeps till Christmas? Normally this would fill me with a
Speaker 1: lot of excitement, but to be honest, I'm feeling pretty
Speaker 1: down today. We have just found out we will be
Speaker 1: going into a six day life in Adelaide. Now this
Speaker 1: lockdown is the strictest I think anyone has experienced in
Speaker 1: the world.
Speaker 2: Yeah.
Speaker 1: Well, the any reason we can leave the house is
Speaker 1: really if we need to go to the supermarket. That
Speaker 1: being said, I think that it's really good that we're
Speaker 1: knuckling down and getting on top of this before Christmas.
Speaker 1: The other thing that you forgot to mention, of course,
Speaker 1: is that masks are going to be mandatory here in
Speaker 1: South Australia. I must admit I did go on Amazon
Speaker 1: and have a quick look for some Christmas themed masks
Speaker 1: and whats it? A mask? Did you find? Because I
Speaker 1: was imagining there would be like a Santa's beard mask. Well,
Speaker 1: they did have some gingerbread man themed masks, and they
Speaker 1: also had Santa on some masks, but the coolest one
Speaker 1: I saw was a light up mask. Gosh, can you
Speaker 1: imagine this time last year knowing that we would be
Speaker 1: talking about Christmas masks. It is just bizarre, and I
Speaker 1: think it is important to mention that we have actually
Speaker 1: just found out about their new restrictions right now. We
Speaker 1: were all at home working together, so we thought we'd
Speaker 1: run up into the podcast room and record this intro
Speaker 1: while we still have the chance. Yeah, the rules don't
Speaker 1: go into effect until midnight tonight, so Tuesday's weekly episode
Speaker 1: is going to sound a little bit different. We're still
Speaker 1: working out how we're going to do it, but we
Speaker 1: will definitely be bringing it to you. And we all
Speaker 1: have been taking these rules very seriously because it is
Speaker 1: such a scary time here in South Australia. We all
Speaker 1: got COVID tests and thankfully we've got the all clear. Look,
Speaker 1: let's look at it positively. At least we've got about
Speaker 1: a week to catch up on all the Christmas movies
Speaker 1: on Netflix. And I actually started my Christmas marathon on
Speaker 1: Sunday night when I watched a Christmas Made to Order.
Speaker 1: What I could not believe is the main actor in
Speaker 1: the movie is Aaron Samuels from Mean Girls. And I
Speaker 1: was like, sort of about fifteen minutes in and I
Speaker 1: was trying to think who is he. Yeah, I've watched
Speaker 1: the first five minutes of the movie and I said
Speaker 1: to Brennan, who is that guy? I can't figure it out?
Speaker 1: And he said, whoever it is looks constantly surprised. Yeah,
Speaker 1: I thought the same thing. I quickly realized why he
Speaker 1: had such a small part in Mean Girls, because not
Speaker 1: to be rude, but he's not the best actor. One
Speaker 1: other thing I loved in the movie was the fact
Speaker 1: that the female actor her business was decorating people's houses
Speaker 1: for Christmas, and this could be a great side hustle
Speaker 1: for us. I mean, if we weren't in COVID Lockdown.
Speaker 1: Wasn't her name also Gretchen, which is of course like
Speaker 1: Gretchen wien is in meng Yeah. I was halfway through
Speaker 1: the movie when I realized this, and it cracked me up. Anyway,
Speaker 1: I really recommend watching it. Don't go in with huge expectations,
Speaker 1: but it's a really cute Christmas movie. Also on the
Speaker 1: Christmas theme, did anybody see Roxy Jusenko's amazing Christmas lights? Yeah?
Speaker 1: I saw this on an Instagram story and I was
Speaker 1: in awe of the fact that she actually had enough
Speaker 1: money to employ people to put her Christmas lights up
Speaker 1: out the front. Did that really surprise you? She is
Speaker 1: very well for you. It didn't surprise me, but I
Speaker 1: suppose it's quite aspirational to have enough money to employ
Speaker 1: someone to do it. Gosh, the lights looked incredible, though.
Speaker 1: I was just thinking about her children and how they
Speaker 1: think that that's the norm to have that many Christmas lights. Like,
Speaker 1: I kind of really love that that they think it's normal.
Speaker 1: The only thing is it's a little bit sad that
Speaker 1: they think it's normal to have like servants hanging the
Speaker 1: Christmas lights. I mean, I have fond memories of Dad
Speaker 1: hanging the Christmas lights with his bum crack hanging out.
Speaker 1: On the topic of Christmas lights, we have to have
Speaker 1: a special mention to our uncle Paul. Now, he was
Speaker 1: quite upset that we didn't mention him in our first episode,
Speaker 1: and we you know, it was a faux pa because
Speaker 1: his Christmas lights are amazing and we really hope that
Speaker 1: he sets up a display this year. Well yeah, because
Speaker 1: he always competed against our dad, so it was always
Speaker 1: great to go see Uncle Paul's display and then check
Speaker 1: out Dad's. And it was also great because it meant
Speaker 1: Dad would buy more Christmas lights to compete against him.
Speaker 1: So I think I'm voting that Uncle Paul needs to
Speaker 1: put them up this year. Look, we can't have this
Speaker 1: Christmas Weekly wrap up without mentioning Kylie Jenner. Now she
Speaker 1: has released a collaboration with The Grinch. Did anyone see
Speaker 1: this on Instagram? Yeah?
Speaker 3: I did.
Speaker 1: I can't say I love the look of the products,
Speaker 1: but I love the fact that it is Christmas related,
Speaker 1: and I loved seeing Kylie dressed up as her own
Speaker 1: kind of version of the Grinch. I really love the
Speaker 1: attention to detail and commitment to this theme. Yeah, she
Speaker 1: looked amazing. She was a very bougie Grinch. I mean,
Speaker 1: I'm not sure how I feel about three different shades
Speaker 1: of green eyeshadow in a palette, but I'm sure it
Speaker 1: will sell out pretty quickly. I have a Christmas pullet.
Speaker 1: Oh maybe a little bit of pud? Then, what a
Speaker 1: bloody surprise. May you got a room for pud? You
Speaker 1: love your pudding. There's always a little bit of room
Speaker 1: for pud. Victoria, Welcome to a very outspoken Christmas. We're
Speaker 1: so excited to have you as our first guest of
Speaker 1: this series. So just how big of a Christmas tragic
Speaker 1: are you?
Speaker 3: Oh my gosh, thank you for having me. Friends. It
Speaker 3: feels very strange to be on someone else's podcast instead
Speaker 3: of running the show. But I'm probably the biggest Christmas
Speaker 3: fan that there is. It's a bit tragic in a way. Actually,
Speaker 3: I love.
Speaker 1: That because we're also huge Christmas fans. Now, what's one
Speaker 1: thing that you like to do at Christmas that people
Speaker 1: might think is a little bit crazy.
Speaker 3: Oh I am what. I'm twenty nine now and still
Speaker 3: every Christmas Eve, my parents and I go driving around
Speaker 3: our area looking at Christmas lights. Like that's what we do.
Speaker 3: We get in the car after dinner on Christmas Eve.
Speaker 3: And there's been a number of times where friends have
Speaker 3: wanted to do like Christmas Eve drinks and stuff, and
Speaker 3: I can't go because I've got to go look at
Speaker 3: Christmas LI took my parents, So maybe that we don't
Speaker 3: decorate the outside of the house, but we definitely go
Speaker 3: pretty ham on the inside. I don't know if this
Speaker 3: is embarrassing or not. Do we want to share this time?
Speaker 1: That's not embarrassing at all. Our Christmas Eve tradition is
Speaker 1: watching carols by candlelight with our parents. So we've also
Speaker 1: turned Christmas Eve drinks down.
Speaker 3: Yeah, it's after carols. It's after Carol's finished. So after
Speaker 3: Carol's finished, you've got to have like dinner and watch
Speaker 3: the carols as all of that happens. And when the
Speaker 3: carols wrap up, it's quite late and we go for
Speaker 3: a drive after all the little kids are in bed
Speaker 3: to look at the lights. It's actually lame, and I
Speaker 3: love it.
Speaker 1: I feel like you revert back to a child at
Speaker 1: Christmas time. You get to explore all those things you
Speaker 1: did during childhood. So I don't think it's lame at all.
Speaker 1: I love it. We'll talking about Christmas carols. Do you
Speaker 1: have some favorite ones you'd love to share with us?
Speaker 3: Or probably anything Boublet or Mariah Carey. I'm not gonna lie.
Speaker 3: I'm not some kind of Christmas classics kind of person.
Speaker 3: I'm tacky Christmas. My family don't like that about me,
Speaker 3: but it's just you know what you deal with if
Speaker 3: you're going to have me in your house at Christmas time.
Speaker 1: We're all big fans of Maya here, so I'm totally
Speaker 1: on board with that. Now, getting back into Christmas decorations,
Speaker 1: when do you think it's an appropriate time to put
Speaker 1: them up?
Speaker 3: I think I put mine up at the start of December,
Speaker 3: But this year I'm not going to have that opportunity
Speaker 3: because I'm moving house, which is exciting and also terrifying,
Speaker 3: but I'm not going to get to put it up
Speaker 3: until like the twentieth of December, which, if I'm honest,
Speaker 3: is probably the most heartbreaking thing about moving house, like,
Speaker 3: not worried about leaving the house, just worried about the
Speaker 3: fact that my house isn't going to be Christmas y
Speaker 3: at Christmas time and I feel like I'm going to
Speaker 3: waste a year of having the tree up. That's a
Speaker 3: bit strange, but that's okay.
Speaker 1: I'm in the same boat as you. I'm moving into
Speaker 1: my new house on December fourteenth.
Speaker 3: Oh my gosh, that's my day.
Speaker 1: Oh my goal. Well and crazy. The first thing I
Speaker 1: said is when am I going to put my Christmas
Speaker 1: tree up? However, Reese's like, oh, yeah, we don't have
Speaker 1: to put a Christmas tree up at all.
Speaker 3: My partner actually talked to me and told me that
Speaker 3: we're not putting the tree up before we leave. And
Speaker 3: he literally had to make a point of it because
Speaker 3: we were talking about just things that we had to move,
Speaker 3: right and our Christmas tree is kept outside in the
Speaker 3: shed and the new house that we're moving to doesn't
Speaker 3: have as big as shed. So I was kind of like,
Speaker 3: you know, what will happen with the Christmas tree? Well,
Speaker 3: like where will we store it? Kind of thing? And
Speaker 3: He's like, don't you even think about putting that up
Speaker 3: before we leave? And I was like, oh, you know
Speaker 3: me too well, so he warned me, I can't guarantee
Speaker 3: that I won't.
Speaker 1: Though every year we seemed to move out to a
Speaker 1: new rental in December, and a few years ago it
Speaker 1: was December night that we had to move out, and
Speaker 1: we were so annoyed because we felt like we were
Speaker 1: missing that lead up to Christmas too, So we put
Speaker 1: our fate Christmas tree up. When we actually had to
Speaker 1: pack it in the removalless van with all the decorations
Speaker 1: on our Dad was so angry because he got stuck
Speaker 1: trying to pull this thing out, like the decorations went everywhere.
Speaker 1: So I probably would have not doing that.
Speaker 3: That's genius, Like that's actually so smart. Here I am
Speaker 3: thinking I'd have to decorate the tree and then undecorate
Speaker 3: it and pack it up when I could just get
Speaker 3: a really big roll of blad, wrap that stuff up
Speaker 3: and then it's good to go at the next house. Like,
Speaker 3: I think you guys might have just saved Christmas.
Speaker 1: I've heard people actually do that each year, and I'm like,
Speaker 1: part of the fun. I feel like it's decorating. How
Speaker 1: weird is that?
Speaker 3: It's kind of strange. I'm not gonna lie, but you
Speaker 3: know what, each their own. If you want to gladier
Speaker 3: at your tree, you glad you're at your tree.
Speaker 1: Friends, Yeah, as long as you're putting one up, then
Speaker 1: that's all right. Now, can we get into the specific
Speaker 1: details of what sort of decorations you have on your tree?
Speaker 1: Because I feel like you're a very stylish person. I
Speaker 1: feel like you'd have a bit of a color theme going.
Speaker 3: Okay, that's I feel a little bit attached by that
Speaker 3: because I think that you guys know what's coming here.
Speaker 3: But yeah, I have a very I'm an over the
Speaker 3: top Christmas person and you best believe everything on that
Speaker 3: tree matches. So this year it'll be a silver and
Speaker 3: white theme again. But we have those really big flowers.
Speaker 3: I don't know if you know what I'm talking about
Speaker 3: when I say that we've got quite a tall tree.
Speaker 3: So it's like a seven foot fake tree with like
Speaker 3: a basket that I ordered online a couple of years
Speaker 3: ago during Boxing Day sales. Obviously that's a great budget
Speaker 3: tip and probably makes this episode really relevant that all
Speaker 3: of the Christmas stuff goes on sale on Boxing Day
Speaker 3: and you can get half priced, good quality Christmas trees.
Speaker 3: But that's beside the point. We've got these big, beautiful
Speaker 3: silver flowers and white flowers and a lot of glass decorations.
Speaker 3: Actually it's very fancy, but everything that is on the tree,
Speaker 3: I think I got it, like bed bath and table
Speaker 3: for like sixty or seventy percent off, so it looks fancy,
Speaker 3: but it wasn't too expensive.
Speaker 1: I love bed bath and table. They have the best decorations.
Speaker 3: They really do. Like it's actually really upsetting when you
Speaker 3: go in the year after you've decorated your tree fully
Speaker 3: and I'm like, oh, is it naughty to get more decorations?
Speaker 3: I don't know, Like that's probably the biggest thing that
Speaker 3: I spend money on at Christmas, to be honest. Growing up,
Speaker 3: I had heaps of sentimental decorations and they're still on
Speaker 3: my parents' tree. So my parents tree, they don't have
Speaker 3: like a styled Christmas tree because they still have like
Speaker 3: the toilet roll and paper plate kind of angel that
Speaker 3: I made in pre school. I kid you not, they
Speaker 3: still have that, and then mine because I don't have
Speaker 3: kids and don't really have tradition, and I'd get in
Speaker 3: a lot of trouble if I tried to take their
Speaker 3: Christmas decorations. I've been able to style it, so I
Speaker 3: reckon as time goes on and I do have kids,
Speaker 3: and all of that starts to happen, my tree will
Speaker 3: go from being very beautiful to maybe being a little
Speaker 3: bit more eclectic, a bit crap.
Speaker 1: Let's just be honest.
Speaker 3: Yeah, let's call it eclectic, to get a little bit
Speaker 3: classy about it.
Speaker 1: I feel like we'll need to share a photo of
Speaker 1: your Christmas tree in our group so people know what
Speaker 1: everything looks like like the flowers.
Speaker 3: All right, I'll post it, I promise, like I've got
Speaker 3: a lot of I've got a lot of photos, and
Speaker 3: I will post it. I also have a picture of
Speaker 3: my cat as Santa Claus, which I'll you know, post
Speaker 3: as well, because obviously that's the best part of Christmas,
Speaker 3: when you get to dress your pets up.
Speaker 1: Oh my god, I literally have that question down to
Speaker 1: ask you about the beautiful cats Bailey and Henry. I
Speaker 1: was gonna say, I I thought that you might be
Speaker 1: someone who would dress them up. I know with my
Speaker 1: cats they hate it, but how do yours go?
Speaker 3: Mine just put up with it. Honestly, I think that
Speaker 3: they are just so over living with me and so
Speaker 3: used to it that they're just like here she goes again,
Speaker 3: which I don't know makes me sound a little crazy,
Speaker 3: and I am and I'm all right with that. I
Speaker 3: am against innocent trees being cut down in their prime
Speaker 3: and their corpses grotesquely dressed in like tensil and twinkly lates.
Speaker 1: Now, just back to your tree, are we allowed to
Speaker 1: ask how much you spent on it? Because the three
Speaker 1: of us have been having a debate about how much
Speaker 1: is socially acceptable to spend on a Christmas tree. So
Speaker 1: if you wanted to spend one thousand dollars, okay.
Speaker 3: I wouldn't spend one thousand dollars. That feels like a lot.
Speaker 3: But I do remember buying mine from David Jones on sale,
Speaker 3: and I think I paid Like this might not be correct,
Speaker 3: and obviously, like we can't prove this anyway, so who knows,
Speaker 3: But I think I paid about three hundred dollars, which
Speaker 3: at the time I felt like with a lot of
Speaker 3: money for a tree, but it was like sixty percent
Speaker 3: off because I got it after Christmas, and so then
Speaker 3: I had to wait an entire twLF months before I
Speaker 3: could even use it. But I do think that that
Speaker 3: was kind of a good money win, and I've had
Speaker 3: it for at least five years now and it still
Speaker 3: looks epic. We just bought like a really basic version
Speaker 3: of one that had the most realistic looking like what
Speaker 3: are they called like branches, and every year we kind
Speaker 3: of just add a few more decorations or update the
Speaker 3: color or something. I would love to do a gold tree,
Speaker 3: but given how many silver decorations I have, I just
Speaker 3: don't think that I can justify that at this point.
Speaker 2: And I want to look them straight in the eye.
Speaker 2: I don't want to tell them what a cheap, lying,
Speaker 2: no good rotten for a blushing, low life snake locking,
Speaker 2: dirt eating and bread over stuff, ignorant, blood sucking, dog kissing, brainless, dickless, hopeless, heartless,
Speaker 2: fat ass, bug eyed stuffle like it's body lip. We're headed,
Speaker 2: sack of monkey shit. He is hell, he loya, Holy.
Speaker 1: Shit, they're going back to you. Childhood. We touched on
Speaker 1: a little bit earlier as a kid growing up. Did
Speaker 1: you have an advent calendar at all? Because I feel
Speaker 1: like that's the first thing that really signifies that Christmas
Speaker 1: is on its way.
Speaker 3: Absolutely, we did, and I was really upset when I
Speaker 3: stopped getting them, and if anyone in my team is
Speaker 3: actually listening, my entire office gets an event calendar every
Speaker 3: single year now too, So like we haven't lost the
Speaker 3: advent calendar. It's going nowhere.
Speaker 1: We need to start working at your workplace because.
Speaker 3: Wow, you're all welcome now.
Speaker 1: Just touching on Christmas traditions, what was it like for
Speaker 1: you growing up with the concept of Father Christmas? Did
Speaker 1: you believe in him for a long time? Did you
Speaker 1: go and visit him at the shops? What sort of
Speaker 1: things did you do in the lead up to Christmas?
Speaker 3: We did, So this is actually an interesting story. I mean,
Speaker 3: I think it's interesting because it's my story. But growing up,
Speaker 3: we always had Santa, and I loved Santa. And I
Speaker 3: have a little sister who's about three and a half
Speaker 3: years younger than me, so she obviously believed in Santa
Speaker 3: for a little longer than I did. And my mom
Speaker 3: is a very big believer in not quote lying to
Speaker 3: your children right, So whenever I would say to my mom,
Speaker 3: Mom like is Santa real? Or come home from school
Speaker 3: and just say, oh, someone's so said x ll and said,
Speaker 3: and Mom would say, oh, well, do you believe this?
Speaker 3: Santa is real, and I'd be like, well yeah, and
Speaker 3: she'd just say, well, you know, if that's what you believe,
Speaker 3: that's what you believe. So she never ever directly said
Speaker 3: Santa is real to us. And one day I came home,
Speaker 3: and I don't know the context of this, but I
Speaker 3: came home and I was apparently a very furious eight
Speaker 3: year old. So I said, you lied to me. Santa
Speaker 3: isn't real. You told me he was real. And my
Speaker 3: mom was just like, no, Victoria, Like, I've never told
Speaker 3: you that Santa is real. Remember I always ask you
Speaker 3: what do you believe? And I always tell you, well,
Speaker 3: that must be enough. And so I was obviously upsets
Speaker 3: and kind of went on about the Tooth Fairy and
Speaker 3: the East Bunny and it all just came crashing down
Speaker 3: for me that day. But my mom told me that day, Victoria,
Speaker 3: if you tell your sister that Santa isn't real, that's
Speaker 3: the day that Santa stops bringing Santa sax. And a
Speaker 3: very big tradition in my family, is Santa Sax true
Speaker 3: this day? Because I've upheld that promise, I still have
Speaker 3: not told my parents that Santa isn't real, and we
Speaker 3: don't believe in it, And I remember a couple of
Speaker 3: years later when my little sister came to me and said, oh,
Speaker 3: Vi Trua, did you know that Santa isn't really I
Speaker 3: don't think it's real. I was like, Oh, you're going
Speaker 3: to have to stop there, mate, like we need to
Speaker 3: pretend it is. And up until very recently recently, as
Speaker 3: in I've had a couple of Christmases overseas and not
Speaker 3: been with my family to have it, we've always done
Speaker 3: Santa sax And even as a twenty eight year old,
Speaker 3: have had, you know, Christmases where I get into my parents'
Speaker 3: room with my Santa Sack and open presence on their
Speaker 3: bed in the morning, Like it's something that, oh, I
Speaker 3: hope I do with my kids. But we still really
Speaker 3: like we kind of get tea and toast and open
Speaker 3: our Santa Sax and they're always just like small presents.
Speaker 3: It's not like a massive thing for us, but it's
Speaker 3: just like such a tradition that I adore it.
Speaker 1: So do your parents go to the extent of writing
Speaker 1: on the tag that it's from Santa? Still?
Speaker 3: Yeah, And we have Santa Sacks that are actually hidden
Speaker 3: and we only see them on Christmas. Day and like, yeah,
Speaker 3: Santa leaves a specific type of lolly, and Santa actually
Speaker 3: uses different wrapping paper than the wrapping paper that my
Speaker 3: parents used to try and like really throw us off
Speaker 3: the sand.
Speaker 1: I love that that is so magical.
Speaker 3: It is, it's so special, and like I think it's
Speaker 3: actually it's so nice to talk to you guys about
Speaker 3: this as well, because I think that we forget these
Speaker 3: things that our parents did for us, and you know,
Speaker 3: it takes time and energy and effort to create magic
Speaker 3: like that, and the fact that it kind of stuck
Speaker 3: is also really special. So it's nice to kind of
Speaker 3: like reflect on that. Did you guys do Santa Sax?
Speaker 3: Do you still do Santa Sex?
Speaker 1: We've got our san We don't call them Santa Sax.
Speaker 1: We've just got our big stockings that mum and our
Speaker 1: mum and dad got us. That was for all of
Speaker 1: our Santa presents and they still do. Right from Santra
Speaker 1: on it. We go to the extent when we lived
Speaker 1: at home of you're leaving our carrots and don't worry. Well,
Speaker 1: I don't know is this a thing in Melbourne? Because
Speaker 1: we we had a chimney, but our chimney wasn't connected
Speaker 1: properly to the fireplace. So when we queried our parents
Speaker 1: on that, they said, oh, don't worry, Santa's got an
Speaker 1: ice key that he carries around in an ski to
Speaker 1: get inside houses. How did your Santa get inside? Have
Speaker 1: you heard of an ice key before?
Speaker 3: I haven't heard enough key. That's actually quite impressive my parents,
Speaker 3: I don't. I don't think we actually ever discussed it.
Speaker 3: We've never had chimneys though, either, so I'm not sure
Speaker 3: how I thought Fanta got into our house. Maybe he
Speaker 3: just came through the front door.
Speaker 1: But like a normal person, Yeah.
Speaker 3: Just like a normal person just waltz is on in
Speaker 3: as if we're totally okay with like some strange man
Speaker 3: coming into our house at midnight, eating our food and
Speaker 3: leaving weird presents. But no, like my parents have always
Speaker 3: gone to a lot of effort to make those things
Speaker 3: seem real though, Like when it came to Easter, we'd
Speaker 3: get like the footprints across the back deck to make
Speaker 3: sure that we thought that, you know, Easter Bunny had come.
Speaker 3: And till this day, I still don't know how my
Speaker 3: mom does that. Like I always look at it and
Speaker 3: I'm like the outline of the footprints are always so
Speaker 3: perfect in Flower that I'm like, how does she do it?
Speaker 3: She must have a stencil or something and I've asked
Speaker 3: and she's like, oh, it's just the magic of it.
Speaker 3: And I'm like, how do I what? Like, I'm an adult,
Speaker 3: tell me.
Speaker 1: I feel like when you have kids, she'll have to
Speaker 1: tell you so you can do it too.
Speaker 3: Honestly, Or she will make me go to her house
Speaker 3: and she'll be like, oh, well, east funny. Actually when
Speaker 3: we comes to mind house, I have to head on
Speaker 3: over here.
Speaker 1: Gretchen switch sides with Katie. But I'm always on your left.
Speaker 1: Well that was when there were three of us, and
Speaker 1: now the tallest go in the middle. The whole dance
Speaker 1: will be backwards.
Speaker 3: I'm always on your left.
Speaker 1: And right now you're getting on my last nerve.
Speaker 3: Switch.
Speaker 1: Now, moving on to Christmas Day, I know we're all
Speaker 1: living with a bit of uncertainty with COVID around, but
Speaker 1: how do you normally spend your Christmas Day?
Speaker 3: So my family is a bit more spread out. So
Speaker 3: my extended families, the cousins, aunts, uncles are all in
Speaker 3: Tasmania and my parents are here. They're down the Mornington Pininsula,
Speaker 3: so they're sadly outside of my twenty five kilometer bubble,
Speaker 3: so I won't be able to visit them at the moment,
Speaker 3: but hopefully all of that lifts by Christmas. But usually
Speaker 3: on Christmas Day we head down there. My partners family
Speaker 3: celebrate Christmas, but we often do it either Christmas Eve,
Speaker 3: like the day of Christmas Eve, or Boxing Day or
Speaker 3: a few days after with his family. But my family's
Speaker 3: pretty set in having, you know, a lunch for Christmas.
Speaker 3: But Christmas lunch for us actually looks a little bit different.
Speaker 3: We don't do the big turkey, we don't do like
Speaker 3: a big roast or anything because people in my family
Speaker 3: just don't like it. Like my little sister and I
Speaker 3: both don't eat meat. My mum loves seafood and my
Speaker 3: dad just loves steak. And you know, we often have
Speaker 3: a few other people joining on Christmas here and there.
Speaker 3: It could be an aunt and uncle coming over from
Speaker 3: he to has Christmas with us, or you know, some
Speaker 3: years we've gone to Tasmania to have a big family Christmas.
Speaker 3: But as everyone's gotten a bit older and we don't
Speaker 3: have that many young kids in the family anymore, that's
Speaker 3: more few and far between. But we actually do kind
Speaker 3: of like a favorite Christmas where Mum asks everybody what
Speaker 3: their favorite meal is and we make that. So my
Speaker 3: dad always gets like chocolate ripple cake, which is his
Speaker 3: absolute favorite. My Mum loves fresh pawns and like dipping
Speaker 3: sauces and kind of like a fancy er ish, which
Speaker 3: you say, it's like a kind of like Consisimon's basket,
Speaker 3: would you say that? Like, I don't know if that's
Speaker 3: that's it, But she just likes fresh seafood. My sister
Speaker 3: and I love cherries and watermelon and like all of
Speaker 3: the more expensive fresh fruits man goes through in season,
Speaker 3: so we adore that. And we kind of just have
Speaker 3: this like spread of kind of like eclectic food, but
Speaker 3: like all our favorite things in one place. So that's,
Speaker 3: I don't know, something that's always been special to us
Speaker 3: and to whatever joins us for Christmas. For example, a
Speaker 3: couple of years ago, we had I had an o
Speaker 3: pair growing up who was from Japan. She and her
Speaker 3: partner came and so Mum just made their favorite things
Speaker 3: as well and added it. So everybody kind of just
Speaker 3: felt really special and thought about on the day. It
Speaker 3: wasn't just like, oh, we're having a roast. It was like,
Speaker 3: we're going to have your favorite thing as well. So
Speaker 3: that's really cool and I guess a little bit different
Speaker 3: than most.
Speaker 1: I feel like that's really good because a lot of
Speaker 1: the food that we serve on Christmas Day, a lot
Speaker 1: of people don't actually like, Like you think of all
Speaker 1: of the fruitcakes, and it's very rich food.
Speaker 3: Thet trifle, like do you guys eat trifle?
Speaker 1: Oh see, our grandma used to make the best trifle,
Speaker 1: so we'll make it now just because we love it.
Speaker 3: Never is good, though, but it's like Grandma's trifle is
Speaker 3: probably a ten out of ten. But when you make it,
Speaker 3: you're like, oh, I could give it a pass.
Speaker 1: That's the thing. I'll make it, but I don't really
Speaker 1: like the taste of it, you know, when you just
Speaker 1: do it out of tradition.
Speaker 3: Yeah. Yes, And fruitcake to me is so gross. I'm
Speaker 3: not gonna lie. It's like the one thing and I'm like,
Speaker 3: I do not want Christmas fever. Pavlova amazing incredible, Like
Speaker 3: my mum is probably the Queen of Pavlova. I don't
Speaker 3: know how her wizard tricks turn like four eggs into
Speaker 3: enough Pavlova to feed the entire country, but she manages
Speaker 3: to do it.
Speaker 1: It's because it's a suitable summer dessert, like eating rich
Speaker 1: kind of fruit stuff is not a summer dessert.
Speaker 4: For the next two months, your entire life, all your
Speaker 4: music listen to is Christmas music. All the TV you
Speaker 4: watch is Christmas TV. Your home dock, who is Christmas
Speaker 4: home dacam your lifestyle changes.
Speaker 1: Now, we wanted to pick your brains about some Christmas
Speaker 1: budgeting advice. Do you have any hacks of people who
Speaker 1: are trying to save money over the festive season.
Speaker 3: I think it starts with just setting expectations at the start.
Speaker 2: Right.
Speaker 3: This year has been an absolutely undeniable ship storm, let's
Speaker 3: be honest, and I think it's really unreasonable to have
Speaker 3: the fame expectations on finances this year. And I think
Speaker 3: it's really important that we remember that a lot of
Speaker 3: people go through these things often quietly as well. So
Speaker 3: if you feel like a family might not have suffered
Speaker 3: as much as you know others because they haven't been
Speaker 3: vocal about it, I think it's really important to just
Speaker 3: reflect on that and going, you know what, let's see
Speaker 3: what we can do here, and just be really budget
Speaker 3: conscious this year, because I think it's a really respectful
Speaker 3: thing to do across the board. But I think when
Speaker 3: it comes to gifts, renegotiating what that looks like and
Speaker 3: even just doing stuff like Chris Kringles Last year for Christmas,
Speaker 3: it wasn't a budget thing. It was more just like
Speaker 3: out of it made sense because the kids in our
Speaker 3: family have more than enough presence and more than enough toys.
Speaker 3: We actually did a second hand homemade gifting, so all
Speaker 3: of our presence had to fit that criteria and if
Speaker 3: it didn't, you couldn't give it. And then we set
Speaker 3: a really strecch budget of fifty dollars per person and
Speaker 3: did a Chris Kringle. But that's because in our family,
Speaker 3: the gifts aren't what it's about. If that makes sense,
Speaker 3: and I know that for a lot of families use
Speaker 3: but then if that's the case, I'd be really working backwards.
Speaker 1: Well, there is something nice about getting a gift that
Speaker 1: someone has made for themselves. I've got a lot of
Speaker 1: time and effort into instead of just running out and
Speaker 1: buying something random for fifty dollars. What have you made
Speaker 1: in the past, Victoria or is this just something new
Speaker 1: that you're doing.
Speaker 3: So last Christmas, I actually found online I think it
Speaker 3: was like on gum Tree. We found a kid's kitchen.
Speaker 3: So I have a niece and a nephew, Oscar and Georgia,
Speaker 3: who are very very delightful children, and they had recently
Speaker 3: got a cubby house or I think they were getting
Speaker 3: a cubby house for Christmas, and my partner and I like,
Speaker 3: how cool would it be to get them a kid's
Speaker 3: kitchen to go in their cubby house. But these kids'
Speaker 3: kitchens are honestly, they can be a couple of hundred
Speaker 3: dollars upwards to like five hundred dollars, so we're like,
Speaker 3: that's a lot. But we ended up finding one on
Speaker 3: gum tree for like forty dollars or something. Secondhand. Had
Speaker 3: been really well loved, really well looked after, but it
Speaker 3: came with all the utensils in it as well, so
Speaker 3: they got the pots, they got the pans, they got
Speaker 3: the cups and the sauces and the kettle and like
Speaker 3: literally everything to deck out their mini like cubbyhouse kitchen.
Speaker 3: It was actually quite a funny story because we turned
Speaker 3: up to pick up this little forty dollar kitchen thinking
Speaker 3: bonus we'll chuck it in the back of the car
Speaker 3: and then we'll go out to a dinner that we
Speaker 3: had planned on the same side of the city. Then
Speaker 3: it didn't fit in my car and I had to
Speaker 3: drive home and swap my path on my partner's car
Speaker 3: while he stood on the side of the road in
Speaker 3: Fitzroy with a tiny kid's kitchen looking like kid found
Speaker 3: some hard rubbish that he was trying to like pull
Speaker 3: dims on at seven pm, which is probably not the
Speaker 3: greatest time to be standing on the side of the road.
Speaker 3: It was getting dark, But that was really great and
Speaker 3: was something that they actually love. I still get photos
Speaker 3: from my sister in law being like, hey, the kids
Speaker 3: are in the covey. They've been in there for hours
Speaker 3: with all their little friends from the street. They love
Speaker 3: this kitchen and they've kind of created a little cafe
Speaker 3: out of it, which is really sweet. But another thing
Speaker 3: that I've made historically is your biscuits and now they're requested,
Speaker 3: which I quite like. And caramel sauce, Like caramel sauce.
Speaker 3: Who doesn't love like a really good fudgy caramel, especially
Speaker 3: as a gift put on like ice cream or treats
Speaker 3: or like, let's be honesty that like peanut butter with
Speaker 3: a spoon. I just feel like getting a gift like
Speaker 3: that makes you feel like you've been really thought of,
Speaker 3: especially if it's a line to something that you really
Speaker 3: enjoy consuming.
Speaker 1: I think that's a great idea. I want to do
Speaker 1: this with Kay and Sof and our partners because it's
Speaker 1: sometimes awkward when you feel like you've got to get
Speaker 1: everybody a present and then your budget can go out
Speaker 1: the window. Do you have advice for I suppose when
Speaker 1: I mean even for just your partner. Do you guys
Speaker 1: set a budget that you can't go over.
Speaker 3: I think this is actually such an interesting topic for
Speaker 3: you guys to have brought me in on. Actually not
Speaker 3: because I'm super good at budgeting, but I'm really left
Speaker 3: field when it comes to present So my partner and
Speaker 3: I actually do birthday and Christmas baskets. So we've decided
Speaker 3: that we are quite lucky people. You know, we're quite
Speaker 3: privileged when it comes to gifts, and if we need anything,
Speaker 3: we will often find ourselves just purchasing it for ourselves.
Speaker 3: So it's not as though there's anything at Christmas time
Speaker 3: that we super need and we kind of feel like
Speaker 3: it's a little bit wasteful to be like, oh well,
Speaker 3: I guess we'll get bikes this Christmas. If it's not
Speaker 3: something that we you know, really wanted and we're just
Speaker 3: doing it for a token, Oh well, what are we
Speaker 3: going to spend on each other for Christmas? So at
Speaker 3: Christmas and Birthday is so lame. And I'm so glad
Speaker 3: that you know this isn't on my podcast. So hopefully
Speaker 3: you guys don't judge me to try and talk about
Speaker 3: this again, try and talk about this publicly, I will
Speaker 3: deny it. So we do these Christmas and Birthday baskets,
Speaker 3: but we just feel it full of all of the
Speaker 3: other person's favorite things. So my partner loves light and
Speaker 3: tiny chips, so I put those in, and I put
Speaker 3: a small bottle of his favorite alcohol, and I put
Speaker 3: a book that I think he might enjoy. And we
Speaker 3: don't spend that much. I would say that basket maybe
Speaker 3: cost me like seventy five or one hundred dollars. It's
Speaker 3: all of snacks and just small things. Last year I
Speaker 3: put some pajamas in it. Like but on Christmas morning,
Speaker 3: before we do the family thing, we kind of open
Speaker 3: our baskets together and like, oh, I mine like fully
Speaker 3: and he'll open his fully, and that's our gift to
Speaker 3: each other. And both of us really enjoy that because
Speaker 3: I think it also takes the pressure off gift giving,
Speaker 3: like it's not about one upping. It's actually about how
Speaker 3: many cute things can I put in this basket that
Speaker 3: I know he'll love, Like, Hey, I bought my partner
Speaker 3: light and tanging chips in Christment. But when it's all
Speaker 3: wrapped up together, I think it's really fun. And like
Speaker 3: last year, he's like, oh, I found these cute little
Speaker 3: like vegan lip gloss for you, and I was just like,
Speaker 3: how sweet is that? Like it was probably like five bucks,
Speaker 3: But at the end of the day, it's the thought,
Speaker 3: and like getting a whole basket of stuff that someone's
Speaker 3: really thought about for you is really special.
Speaker 1: I love that. I feel like so many more people
Speaker 1: should do it, because you just end up wasting so
Speaker 1: much money, as you said, on stuff that you really
Speaker 1: don't need, like bikes, and as you touch on there
Speaker 1: is that awkwardness of one upping someone because I don't know,
Speaker 1: I've always feel so terrible if someone buys me something
Speaker 1: that I know is more expensive. Victoria what would be
Speaker 1: your advice for people who are perhaps in early stages
Speaker 1: of a relationship and they don't know whether to buy
Speaker 1: presents for the other person.
Speaker 3: Yes, I've been there. I've gone to the point I
Speaker 3: get so socially awkward in things like this where I've like,
Speaker 3: I've been known like and this is not a good
Speaker 3: budgeting tip, but I've been known to have a backup present,
Speaker 3: like where I have like a candle or like a
Speaker 3: box of chocolates or something all wrapped up and ready
Speaker 3: to go in case they give me something and I'm like, oh,
Speaker 3: I just bomb upstairs and grab yours to get out
Speaker 3: of that situation, because I genuinely it gives me anxiety
Speaker 3: thinking about it. But for those of you who aren't
Speaker 3: as crazy as I am, I think it's actually just
Speaker 3: about saying, hey, Christmas is coming. Like, if you're spending
Speaker 3: time with them on Christmas Day, I think it would
Speaker 3: be very appropriate to say, hey, like, am I expected
Speaker 3: to bring presents? They're probably gonna say no, But I
Speaker 3: think it's more, is there something small that I can
Speaker 3: bring along just to show my appreciation? Parent presents are
Speaker 3: always so strange, But when it comes to your partner,
Speaker 3: I think it's just about, hey, Christmas is coming up,
Speaker 3: are we doing gifts? Are we not doing gifts? And
Speaker 3: I think it's about taking away the guilt. If you've
Speaker 3: had that conversation and you've set a budget and your
Speaker 3: partner goes over it, I think we need to forget
Speaker 3: the financial side of things and just go how great,
Speaker 3: Like I've put my time and energy into an like
Speaker 3: into a gift that this person hopefully will love, and
Speaker 3: that should be more than enough. And if they go
Speaker 3: and you know, blow the budget, like that's really sweet,
Speaker 3: but it's completely unnecessary and you can just be really
Speaker 3: grateful for it, be like, wow, I'm so lucky, Like, look,
Speaker 3: how spoiled I am. I didn't do that for you.
Speaker 3: Obviously not expected. But I think when we start actually
Speaker 3: one upping each other, it becomes really tormental, Like I
Speaker 3: did that in my relationship at the start, and that's
Speaker 3: essentially where our birthday baskets came from. It got to
Speaker 3: a point where I was just like, look, this is ridiculous,
Speaker 3: Like you don't need to impress me with really big presence.
Speaker 3: I don't need, you know, an iPad, or I don't
Speaker 3: need something massive from you. In fact, just hanging out
Speaker 3: with you on Christmas is enough. The fact that you
Speaker 3: let me play Mariah Carey. All I want for Christmas
Speaker 3: is you, like multiple times a day in the lead
Speaker 3: up to Christmas should be enough as well. But I
Speaker 3: think it's just more about setting expectations and remembering that
Speaker 3: it's not on you if the other person doesn't adhere
Speaker 3: to that expectation. And I know that a lot of
Speaker 3: guilt usually comes from that.
Speaker 1: Yeah, this happened to me because the first year my
Speaker 1: boyfriend and I were together. Hey, it sounds like we're
Speaker 1: not together anymore. We are still together, but he brought
Speaker 1: me mine. He brought me an eight hundred dollar necklace.
Speaker 3: Oh god, I bought lucky Lady.
Speaker 1: I know. But now it's set the bar. So I've
Speaker 1: had to have the discussion with him and say, look,
Speaker 1: because we live together now, I'm like, look, we needed
Speaker 1: to set it at one hundred dollars. I think that's enough.
Speaker 1: We're spending so much money on everyone in the baskets.
Speaker 1: Maybe have to do the baskets. I do like that.
Speaker 2: I do.
Speaker 3: The baskets are honestly so fun, and I mean, if
Speaker 3: it's in your budget, you can only sneak something else
Speaker 3: in there. It's not uncommon of us to kind of
Speaker 3: sneak like, you know, one hundred dollar pair of like
Speaker 3: Chino's or something in there that I know we needed.
Speaker 3: But like the idea that you have a birthday basket
Speaker 3: is really fun and like it's kind of the anticipation
Speaker 3: as well. It kind of takes it away from being
Speaker 3: a gift more too. I wonder what's going to be
Speaker 3: in my basket this year, and like sometimes we try
Speaker 3: and find silly things, like silly things that we can add,
Speaker 3: like silly lollies or American like treats that I've found
Speaker 3: at like the American Lolly Shop that I'm like, oh,
Speaker 3: he will love this, and i know it sounds really lame,
Speaker 3: but at the end of the day, like it just
Speaker 3: becomes a thing and we really like it.
Speaker 1: Victoria, what do you think is some common Christmas budgeting
Speaker 1: pitfalls that people get tripped up by along the.
Speaker 3: Way forgetting that your Christmas budget is food, food and
Speaker 3: drink and entertainment during the period. I think that something
Speaker 3: that is really common is you know, you sit down
Speaker 3: and you know, all right, well, I'm going to be
Speaker 3: really good this Christmas and you budget for the gifts,
Speaker 3: but you forget that during the Christmas period, it's really
Speaker 3: common to go out for an additional drink with someone
Speaker 3: or go to another Christmas party, and these things add up.
Speaker 3: Like you might go to a party and have an
Speaker 3: eighteen dollar cocktail here and there, but that stuff really
Speaker 3: does eat into your larger budget. It's also like the
Speaker 3: trimmings at Christmas time, right, Like it's the additional boxes
Speaker 3: of chocolates that you're buying when you go to someone's
Speaker 3: house for a drink or just to have a little
Speaker 3: bit of a celebration. It's you know, the garnishes that
Speaker 3: go in the drinks on Christmas Day. These things all
Speaker 3: need to be accounted for, and that's why it's so
Speaker 3: important to have a comprehensive Christmas budget that takes all
Speaker 3: of these things, not just gifts, into consideration.
Speaker 1: Do you think it's also important to have a strategic
Speaker 1: plan ahead of you when you are going Christmas shopping
Speaker 1: for not only presents, but also food, because I feel
Speaker 1: like that's where people do slip up, Like, so, would
Speaker 1: you recommend people looking for some of those sales dates,
Speaker 1: like whether it's Black Friday or whether you are going
Speaker 1: to purchase stuff in the boxing day sales.
Speaker 3: Oh absolutely, And we've got Black Friday coming up, so
Speaker 3: that's at the end of November, and I think if
Speaker 3: you're prepared, and like spoiler guys, tomorrow's podcast is literally
Speaker 3: on Christmas sales and making the most of them. But
Speaker 3: I think in the lead up to Christmas, it's just
Speaker 3: really important to plan, like if you're going to sit
Speaker 3: down and for example, I want to get my sister
Speaker 3: a gift for Christmas, and I know what that gift is.
Speaker 3: I think finding the best way to purchase it and
Speaker 3: not finding yourself going Christmas Eve shopping. Christmas Eve shopping
Speaker 3: is a nightmare. You end up anxious and stressed. You
Speaker 3: end up feeling a whole heap of pressure to get
Speaker 3: a good present when maybe you've left it too late,
Speaker 3: and we always always always end up overspending. So I
Speaker 3: think it's important to plan these things out. And if
Speaker 3: you know that Black Friday sales are going to come
Speaker 3: up next week or next months, like plan for it.
Speaker 3: Write your list. Like something that's been really helpful is
Speaker 3: just like wish lists for me. I've been using Pinterest
Speaker 3: and kind of like my eBay cart, like you know,
Speaker 3: how you can add things to your watch list on eBay.
Speaker 3: I've been doing that to keep track of gifts, and
Speaker 3: I just feel like if you go into these sales
Speaker 3: with a plan, you end up not overspending, you end
Speaker 3: up actually just getting that dopamine hit that we all
Speaker 3: get from shopping from things that we were planning to purchase.
Speaker 1: Anyway, that's such good advice. Would you recommend people also,
Speaker 1: you know, a year ahead, start planning, maybe have a
Speaker 1: bank account, especially for Christmas, where you put in extra
Speaker 1: money along the way.
Speaker 3: I think it's really important when we're talking about budgeting
Speaker 3: for Christmas that it is actually a year round event,
Speaker 3: Like you can't expect to save five hundred dollars that
Speaker 3: you need for gifts in the month lead up to Christmas.
Speaker 3: Like this is something that we actually need to have
Speaker 3: as a part of our more holistic budget and cash
Speaker 3: flow plans. So like always having a budget and making
Speaker 3: sure it's super comprehensive, and even if it's like your
Speaker 3: car insurance and you know your car registration and your
Speaker 3: ambulance cover and then your Christmas presence, and then having
Speaker 3: your Christmas presence broken down into who you buy for
Speaker 3: and on average what you pay for those gifts is
Speaker 3: incredibly important because if you can plan it into your
Speaker 3: cash flow and have that money going into a separate
Speaker 3: account each and every single month, when Christmas comes, you
Speaker 3: just go, Okay, fantastic, I've got the money sitting in
Speaker 3: my account for my Christmas gifts. I'm going to pull
Speaker 3: out what's in budget and go and spend it on
Speaker 3: the thing that is intended for. It puts us in
Speaker 3: a position where we actually feel empowered by our choices,
Speaker 3: and it puts us in a position where we never
Speaker 3: feel stressed about money or budgeting or cash flow, which
Speaker 3: honestly is one of the most stressful things.
Speaker 1: And Victoria, you have recently launched an amazing budgeting course
Speaker 1: and you've kindly let our community have a discount code,
Speaker 1: so we'll put in our show notes below. But can
Speaker 1: you tell us a little bit about it and I
Speaker 1: suppose what people can learn from it?
Speaker 3: Yeah? Absolutely, So I hate plugging this stuff, So guys
Speaker 3: just know that this is coming from a place where
Speaker 3: I've created the master class because I genuinely think that
Speaker 3: if you can get the foundations of your money side
Speaker 3: of your life solidified, and that's your budget and your
Speaker 3: cash flow, everything else will just fall into place. So
Speaker 3: when I talk about the budgeting and cashlow master class,
Speaker 3: to me, budgeting and cashlow are two different things, right.
Speaker 3: A budget is like what you're spending and what's coming
Speaker 3: in and just working out what that is. But the
Speaker 3: cash flow side of things is the thing that I
Speaker 3: think most people forget. So, like, we all get really motivated,
Speaker 3: we write down our budget and we go rent you
Speaker 3: so on thousand dollars and you know, my grocery bills
Speaker 3: are one hundred and fifty dollars, and we write it down,
Speaker 3: But like, what do we do after that? So this
Speaker 3: kind of takes it to the next level. And I've
Speaker 3: created a program inside the course that essentially tells you
Speaker 3: what bank accounts to open, how to open them, what
Speaker 3: to name them, and how much to each and every
Speaker 3: single one put in them based on the budget that
Speaker 3: you would provide me. So it's all automated and it
Speaker 3: essentially does it for you. So instead of money being
Speaker 3: overwhelming and uninspiring, it's something that you really feel empowered
Speaker 3: by and you can always refer back to. So it's
Speaker 3: not like it sounds really promotiony, but it's not just
Speaker 3: that either. It's kind of your money story and how
Speaker 3: to set goals and how to you know, understand your
Speaker 3: values and create a strategy that actually puts you in
Speaker 3: a better position. So it's quite comprehensive in that it's
Speaker 3: like more than twenty videos that I've put together and
Speaker 3: like forty different downloadables and the tool, like it's a
Speaker 3: pretty big program. But the end of the day, it's
Speaker 3: so that you can develop a super deep understanding of
Speaker 3: your cash flow and make your money work for you,
Speaker 3: which means when Christmas comes, everything is already planned for
Speaker 3: and you kind of go, all right, well, I guess
Speaker 3: in my cash hub, I have my Christmas money. I'll
Speaker 3: pull that out and I'll spend it in line with
Speaker 3: my values and goals. Because so many times we see
Speaker 3: people sacrificing their savings, like you might be saving for
Speaker 3: a home and Christmas comes, so you take a thousand
Speaker 3: dollars out of that home goal because you forgot to
Speaker 3: budget for Christmas, and that's just not that sexy. At
Speaker 3: the end of the day, you just feel a little
Speaker 3: bit flat, you feel a little bit behind, and there's
Speaker 3: like there's nothing good about it. So essentially budgeting toush
Speaker 3: flow is going to be the most important thing for
Speaker 3: you to wrap your head around when it comes to money.
Speaker 1: It's so good because I've been nagging my boyfriend to
Speaker 1: start budgeting or setting up a budget, and it's going
Speaker 1: to be so good because I feel like I'm going
Speaker 1: to have all the tools to be able to like
Speaker 1: get a smart ass towards him. So I'm excited to start.
Speaker 3: Yes, And I've actually it sounds so lame, but I've
Speaker 3: actually made two different tools inside of there. So if
Speaker 3: you're single, this is the cash flow that you use,
Speaker 3: and if you have a partner, this is the cash
Speaker 3: flow that you'd use purely because like, once you bring
Speaker 3: a partner into the conversation, like the conversation shifts and
Speaker 3: it's not just one person you're relying on. It's not
Speaker 3: just one person who has personal spending goals. It's true.
Speaker 3: So I think it's a different conversation and to be
Speaker 3: across that properly, like I think it's just I think
Speaker 3: it's so empowering and creates a stronger relationship with your partner.
Speaker 1: Okay, people, tomorrow morning, dam Santa's coming down.
Speaker 3: Oh my god.
Speaker 2: Santa here, I know him.
Speaker 1: Now, let's wrap this up. With our quick fire Christmas quiz.
Speaker 3: Oh I love this.
Speaker 1: So I'm gonna give you two options, and you're gonna
Speaker 1: choose which one. So yeah, okay? Tinsel or no tinsel
Speaker 1: on a Christmas tree? No Tinseldy Jane's the one with
Speaker 1: the garish Christmas tree? So hers has tinsel? No? I
Speaker 1: actually didn't have tinsel last year? But anyway? What is
Speaker 1: your go to Christmas movie?
Speaker 3: A Christmas Story or Home Alone?
Speaker 1: I love Home Alone?
Speaker 3: Or else? How many Christmas Lamies can I have?
Speaker 1: We'll give you?
Speaker 3: Okay? Sorry? Also love Actually, I've changed my love actually
Speaker 3: is the number one.
Speaker 1: What about Lampoon's Christmas Vacation? You're a fan of that?
Speaker 3: Ah, that's pretty good too. What about the holiday?
Speaker 1: There's too many too.
Speaker 3: I'm sorry, I'm sorry, I'm not very good at this
Speaker 3: quick fire Quizzin what's your next question? I'll try to.
Speaker 1: Get real tree or fake tree?
Speaker 3: Fake tree?
Speaker 1: Santa Claus? Do you call him Santa Claus or Father Christmas?
Speaker 1: I call him Santa Cold custard or warm custard with
Speaker 1: Christmas pudding?
Speaker 3: Oh? Botha gross Christmas pudding, disgusting cold.
Speaker 1: I feel like I know this answer already pudding or pavlova.
Speaker 3: Everyone knows closer every day of the week, my friend.
Speaker 1: Well, this one's a little bit more detailed. What is
Speaker 1: the best Christmas gift you've ever received? And also the worst?
Speaker 3: Oh gosh, the worst was from an ex partner's mum
Speaker 3: who got me a candle that I gave her the
Speaker 3: year before. And I think that best? What would the
Speaker 3: best be? I'm not good bye? Yeah, I think I
Speaker 3: think the baskets, like getting lots of little traits is
Speaker 3: really special. I don't know. I feel like I've remembered
Speaker 3: a lot, Like I don't remember gifts, well, I remember
Speaker 3: experiences and I remember, you know, the way that I
Speaker 3: felt on that Christmas, And like, yeah, I think it
Speaker 3: would just be experiences with my family is probably the
Speaker 3: best kind of Christmas present for me? Lame? That true?
Speaker 1: Oh that's sweet. The other one is do you call
Speaker 1: it a bonbon or a Christmas cracker?
Speaker 3: Oh? I think I call it a bon bond. But
Speaker 3: I've never thought deeply about this topic.
Speaker 1: And I feel like you touched on it. But what
Speaker 1: is your favorite Christmas song?
Speaker 3: Oh, Mariah Carey, all I want for Christmas is you,
Speaker 3: And I'm gonna unashamedly or in that like it's a
Speaker 3: disgusting song, but I just feel like everybody knows it
Speaker 3: and it's just it's just fun. I'm sorry, Oh it's
Speaker 3: my favorite as well. I'm oh really yeah, good, Okay,
Speaker 3: I'm glad. I thought I was gonna be savaged over
Speaker 3: loving Mariah Carey.
Speaker 1: I also love Hillary Duff's Christmas album Oh my gosh, yes, yeah.
Speaker 3: All of her album, like it reminds me of being
Speaker 3: like twelve thirteen, like having Christmas and thinking I was
Speaker 3: much cooler and wearing glitter eyeshadow and hair gel.
Speaker 1: Well, thank you so much for joining us on this
Speaker 1: special Christmas episode. We do hope you have an amazing Christmas.
Speaker 3: Thank you guys for having me. It is actually so
Speaker 3: much fun to talk about Christmas stuff in a roundabout
Speaker 3: budgety way