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Speaker 1: She's on The Money Radio Show with Victoria.

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Speaker 2: Divine starts now, Hello and welcome to that. She's on

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Speaker 2: The Money Radio Show podcast, radio show and podcast for

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Speaker 2: millennials who want financial freedom.

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Speaker 3: You know what close enough is good enough?

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Speaker 1: Yeah?

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Speaker 2: My favorite thing is we had a comment on our

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Speaker 2: Instagram where a Victoria got in trouble for telling.

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Speaker 3: Me trouble Yeah, apparent nicer.

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Speaker 1: No, I don't do that the first time.

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Speaker 4: What I want?

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Speaker 1: What do you want, Mitch?

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Speaker 5: I want them to send us.

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Speaker 3: Photos, Okay, photos of what Mitch.

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Speaker 5: I want their photos of their big long bank statements,

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Speaker 5: and I just want to see how they're doing, you know,

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Speaker 5: if we're helping them on the show or is that

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Speaker 5: how it works, Victoria? You ask people for the literal

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Speaker 5: photos of their finance.

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Speaker 3: And actually don't.

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Speaker 4: But you know what, if you've got any photos or

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Speaker 4: screenshots of things that you've seen on Facebook place that

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Speaker 4: you think is absolutely hilarious and people are taking the mickey,

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Speaker 4: we want to see it. Because we haven't done that

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Speaker 4: segment on the radio show recently, and we're going to

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Speaker 4: bring it back really soon because.

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Speaker 2: We've actually got a high bar for quality and we

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Speaker 2: haven't had so we won our community.

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Speaker 4: We've got the radio hosts and I just really don't

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Speaker 4: think it cuts the case.

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Speaker 5: Here.

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Speaker 2: The reason that Michie wants to see those bank account statements,

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Speaker 2: he's looking for a husband, he's.

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Speaker 5: Got a hot.

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Speaker 4: Everyone is as desperate as you. Well, but this week

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Speaker 4: on the show, we've got some hot tips. We talk

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Speaker 4: about my trip to Florida and I tell you how

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Speaker 4: to say forty three thousand dollars on your mortgage if

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Speaker 4: you've got one.

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Speaker 5: That was a good tip, Victoria. We also go through

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Speaker 5: travers grinder conversations and they were explosive more ways than one.

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Speaker 5: There was some videos too.

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Speaker 3: If you meet someone on Grinder who's meant to pay

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Speaker 3: for the first date.

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Speaker 5: Oh that's not it's not a date, Victoria.

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Speaker 3: Do you know what I reckon?

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Speaker 4: We should just get into the show because this has

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Speaker 4: been absolute trash to walk and this is not what

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Speaker 4: the people are here for.

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Speaker 2: Let's be honest, all right, She's on the Money radio

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Speaker 2: show starts right now. It is She's on the Money

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Speaker 2: radio show with Australia's number one finance podcast of Victoria divine.

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Speaker 3: Those are big shoes to fill, honestly, size tens nine

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Speaker 3: and a half thank you.

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Speaker 5: I'd love to know who's counting as well, who's number

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Speaker 5: two and who's number three. I'd like to get you

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Speaker 5: all in a room and really have a good chat

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Speaker 5: with you all.

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Speaker 1: And see what the difference is between.

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Speaker 4: Yeah, let's just not dive too deeply into what Australia's

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Speaker 4: number one finance podcaster actually means and we can just

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Speaker 4: keep on with the show.

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Speaker 5: Yeah that's why, Trav I'm just mitched cheery. There's no claim,

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Speaker 5: no title, no one can argue.

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Speaker 2: It, and that's why nobody even says my name. But

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Speaker 2: that's fine.

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Speaker 1: Yeah, let's do this.

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Speaker 5: That was Victoria with an accent, all right?

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Speaker 2: Yeah, okay, So obviously COVID travel restrictions all done injustice.

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Speaker 2: So everyone's getting out there. European Summer's Victoria. You are

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Speaker 2: over in this States.

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Speaker 4: Just a few little days in Florida, living my best life.

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Speaker 3: My hair wasn't though. The humidity killed me.

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Speaker 5: Oh that would have been awful. In the South is

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Speaker 5: really bad.

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Speaker 3: One out of ten cannot recommend.

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Speaker 2: And something else I don't really recommend is spending as

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Speaker 2: much as Kylie Jenner has spent on her recent holiday.

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Speaker 3: Isn't it like two million?

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Speaker 4: US sillars a day day on a trip to Italy.

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Speaker 5: Wow, they did get a three hundred foot megga yard,

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Speaker 5: which is two hundred and fifty million on its own.

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Speaker 5: She had her closest friends. There were ten rooms on

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Speaker 5: the yacht, so one room per friend. Twenty nine crew

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Speaker 5: members on the boat. There's a sauna, a Hammaker, plunge,

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Speaker 5: pul beauty salon. It's truly like extravagant.

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Speaker 3: So I've got a question, how do you reckon? I

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Speaker 3: become a friend of her.

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Speaker 2: The only way you're doing that is becoming one of

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Speaker 2: those crew members.

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Speaker 3: Mate, Well, I watch enough of below decks.

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Speaker 4: I'm absolutely credit chance.

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Speaker 3: Yeah, I'm ready. I've been trained.

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Speaker 4: You let me know, Kylie, I can absolutely whack together

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Speaker 4: a really good margarita.

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Speaker 5: What are your travel hacks? Surely you've got some from

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Speaker 5: my last trip.

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Speaker 3: I've got a few travel hacks.

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Speaker 4: Obviously, going to the States, it's a really big expense.

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Speaker 4: But did you know everyone who's going to scoff at this.

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Speaker 4: I traveled with only carry on luggis I saw this.

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Speaker 5: I saw that on Instagram.

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Speaker 2: Yeah, but hang on a second. Let's just say my

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Speaker 2: carry on is like my laptop bag. Your carry on

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Speaker 2: is actually a full blown suitcase.

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Speaker 3: No it's not. It's actually a carry on suitcase.

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Speaker 1: Took eight people to carry it.

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Speaker 4: But still, honestly, I find traveling only with carry on

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Speaker 4: really liberating because I don't have analysis paralysis.

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Speaker 3: When I'm getting ready in the morning.

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Speaker 4: I literally only have the dresses that I had planned

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Speaker 4: to wear and the makeup that I need.

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Speaker 3: That is it.

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Speaker 4: In fact, I probably could have packed another pair of pajamas,

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Speaker 4: but like, that's not the biggest problem.

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Speaker 1: I had a right, So, what are the travel hacks

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Speaker 1: have you got for us?

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Speaker 4: Mate? So if you're traveling internationally, obviously, especially at the moment,

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Speaker 4: it's really expensive. I would have loved to travel business

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Speaker 4: and had a little bit more room. However, that wasn't

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Speaker 4: an option for me because when I looked at it,

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Speaker 4: the business class flights were going to cost ten grand.

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Speaker 3: So it was a hard note from me.

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Speaker 4: But you know what I did to get a little

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Speaker 4: bit of extra room, which is a little bit sneaky,

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Speaker 4: and I don't really want to tell you because if

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Speaker 4: I tell people, they're going to do it and then

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Speaker 4: I'm going to miss out. Yeah, I know, right, So

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Speaker 4: what I did was I flew with United on the

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Speaker 4: way to the US. I love United, downloaded the United app,

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Speaker 4: and the hour before my flight took off, logged into

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Speaker 4: the app, changed my seat to make sure that I

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Speaker 4: was guaranteed an empty seat next to me when I

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Speaker 4: flew worked flawless plan that no one else has thought

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Speaker 4: of that yet yet, but now I'm telling them, But

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Speaker 4: that was a bonus and I ended up with a

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Speaker 4: little bit more extra room. I mean, it's not a

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Speaker 4: money saving hack, but it was definitely a sanity saving one.

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Speaker 5: Well, I've got one. If this helps, If you guys

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Speaker 5: are interested, I know you've been traveling.

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Speaker 3: We're not carry on.

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Speaker 5: It's might typ you go through security. You know, you

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Speaker 5: can't bring anything like food or drink through security. So

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Speaker 5: once you pass security, you go to subway and you

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Speaker 5: get a foot long and you eat the six inch

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Speaker 5: at the gate, and then you take the other six

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Speaker 5: inch on the pane and then you've got a sandwich

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Speaker 5: for the flight.

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Speaker 4: That's actually really smart. This is going to sound really

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Speaker 4: entire pre booking your in flight meal. Everybody knows I'm

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Speaker 4: a picky eater. But if you log into your app,

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Speaker 4: you can actually order a customized menu. So if you

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Speaker 4: don't eat meat, you can select no meat on your menu.

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Speaker 4: But the bonus here is if you have a specialty menu,

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Speaker 4: they give you your food first, so when it's meal time,

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Speaker 4: your food comes out way before anybody Else's always hot.

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Speaker 5: Ten out of ten celiac. If it means I get

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Speaker 5: my food before.

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Speaker 4: Everybody else, exactly, Sorry, I only eat fruit.

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Speaker 2: Did you hear about that couple who actually got stranded

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Speaker 2: in Bangkok and it ended up costing them hundreds and

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Speaker 2: thousands of ideas?

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Speaker 3: Actually disgusting, crazy now early couple.

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Speaker 1: Yeah, so let's do this.

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Speaker 2: What is your worst travel disaster story? We want to

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Speaker 2: know the big stuff.

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Speaker 1: How much did it cost you? What happened? Were you stranded?

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Speaker 2: Did you have to put up with Victoria eating her

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Speaker 2: hot fresh meal next to you an hour before you

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Speaker 2: got it, while you watched.

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Speaker 3: Her in a seat that had a spare seat next

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Speaker 3: to it.

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Speaker 2: That kind of stuff we want to hear. Give us

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Speaker 2: a call right now, thirty one to six five your

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Speaker 2: travel disaster stories.

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Speaker 1: Somebody who should have had some travel insurance.

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Speaker 3: I did have travel insurance. Talking about you might well,

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Speaker 3: everything's about.

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Speaker 5: Me beyond the show. But it doesn't matter.

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Speaker 3: It's my show.

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Speaker 5: It's about me, Victoria, It's about Paul. Little. Paul Moroski

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Speaker 5: and Georgina Moroski, an Ozsie couple were flying to Bangkok

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Speaker 5: on an Australian airline. That's all I'm going to say.

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Speaker 5: I'm not going to name in shame, but this couple,

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Speaker 5: this is all over the news.

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Speaker 2: Right.

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Speaker 5: They went to Bankok, had a lovely little trip. They're

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Speaker 5: both priority flyers, right, they're both in wheelchairs, so a

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Speaker 5: lot of organization goes into their flying schedules, as you

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Speaker 5: can imagine.

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Speaker 3: Right, which shouldn't be too hard.

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Speaker 5: Totally right. They're in Bangkok. They they've halfway finished their trip,

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Speaker 5: they're about to fly over to Turkey when they get

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Speaker 5: the notification, the email that their flight has been canceled.

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Speaker 5: A refund is being processed and the airline is pulling

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Speaker 5: themselves out from support and they are no longer able

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Speaker 5: to communicate with the Aussies soly at all. They said,

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Speaker 5: we've refunded you. Sorry, we've overbooked the fly something's happened.

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Speaker 5: We don't have your seats anymore, and you strngey acceptable

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Speaker 5: in ben Kock and their priority passengers in wheelchairs. Can

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Speaker 5: you imagine the stress and these guys are almost eighty

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Speaker 5: the stress that this.

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Speaker 4: Will especially because of the organization that would have gone into,

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Speaker 4: you know, organizing that trip and making sure that everything

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Speaker 4: was good to go.

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Speaker 1: Yeah.

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Speaker 5: So they were on the flight Victoria and they were

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Speaker 5: pulled off the flight.

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Speaker 3: Wait, they were on the flight.

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Speaker 5: Yeah, they were getting on the flight. They were pulled off.

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Speaker 5: There's this guy, Elijah right, he's thirty five. He said,

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Speaker 5: I was on the flight the treatment of the elderly couple.

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Speaker 5: I was disturbed, That's what he says. So it's a

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Speaker 5: mess of a situation, but disgusting.

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Speaker 3: I hope someone stepped in and helped them in that circumstance.

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Speaker 4: I know it's not their job, but that's the Australian

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Speaker 4: thing to do, right, Yeah, or.

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Speaker 5: Even give them like some peanuts, you know, or give

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Speaker 5: them some.

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Speaker 4: Like that's what you would have done. Like, hey, nanny,

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Speaker 4: and you're on a peanut. I don't know if this

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Speaker 4: will help.

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Speaker 5: I'm disgusted, but I will take one of those mini

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Speaker 5: Shardonnays please on my way out.

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Speaker 4: Yeah, do you have those mini gin bottles? Because they're

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Speaker 4: not just thirty meals, they're always fifty.

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Speaker 2: It's good to a big I'll get take a couple

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Speaker 2: of those, but I'm mad we threw around there on

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Speaker 2: thirty We want to hear your travel disaster stories.

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Speaker 1: Hey Kim, what happened to you? Mate?

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Speaker 6: My friend and I booked what we thought were like

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Speaker 6: twenty pounds airfare to Hamburg for the money amazing, So

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Speaker 6: we flew Ryan Air. So this is where it probably

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Speaker 6: goes down to budget. And we got to where we

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Speaker 6: thought we were staying, which I booked, and I thought

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Speaker 6: it was like a beautiful German abode, you know, like

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Speaker 6: that cabinet type situation. Turned up it was a hostel.

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Speaker 3: Oh no, were you in the like eight person mixed rooms.

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Speaker 6: No, well they wanted us to share a room with

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Speaker 6: ten other people.

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Speaker 4: Oh no, prison break the little curtains so you have

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Speaker 4: a little bit of privacy.

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Speaker 6: But there was absolutely no other accommodation that we could

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Speaker 6: find that was within our budget. So we headed back

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Speaker 6: to the tin shed that is the Ryan Air airport

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Speaker 6: in Hamburg and basically had to argue and China group

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Speaker 6: the eight flights out of there.

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Speaker 4: To be honest, I think you should have a spit

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Speaker 4: in the bullet and had an experience in the hostel

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Speaker 4: what's the worst that could happen?

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Speaker 1: Thanks so much, gim now.

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Speaker 2: Drew's given us a buzz on thirty one six five

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Speaker 2: talking about your worst travel disasters.

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Speaker 1: What happened to you, Drew was years back.

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Speaker 6: I was living over in London.

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Speaker 7: I went over there to work in finance and.

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Speaker 1: Finance I landed the day the.

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Speaker 6: GFC started, so I was already on the back.

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Speaker 7: I took a little trip to over to Spain to

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Speaker 7: go to music festival with a few mates, and where

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Speaker 7: we were staying got cleaned out, so passport and everything.

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Speaker 7: Oh no, So off to Madrid we go to get

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Speaker 7: the emergency passport and whatnot and show back of London.

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Speaker 6: That was all fine.

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Speaker 7: I used to play with the guitar and sing and whatnot.

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Speaker 7: So I started auditioning for random rolls and I landed

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Speaker 7: a role in a music I don't know if I've

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Speaker 7: heard of Jersey Boys, Oh.

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Speaker 3: Wow, legendary. I don't know if you've ever heard of it.

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Speaker 6: Wait for the story, all right, mate.

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Speaker 7: The idea was the rehearsals were going to be in

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Speaker 7: Newcastle for three or four weeks whatever, and then if

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Speaker 7: it's any good, we're going to end up on the

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Speaker 7: West End, a few mates in Barcelona, so I'm going

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Speaker 7: to get Duck over.

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Speaker 6: There for the weekend.

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Speaker 3: Solid plan, good plan.

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Speaker 7: So we get over there, We park our little high

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Speaker 7: car down on the beach, come back the old high

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Speaker 7: card then cleaned out. No not again, emergency.

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Speaker 6: Passport is gone.

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Speaker 4: Oh no, now the embassy is just gonna think that

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Speaker 4: you're taking the mikey exactly.

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Speaker 7: They had to do this full investigation meanwhile in Barcelona

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Speaker 7: for weeks.

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Speaker 2: The best thing is, though, Drew, You've got a nice

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Speaker 2: lucrative little emergency passport selling business out of it.

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Speaker 3: We see you, We know what you're up to.

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Speaker 5: All right.

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Speaker 2: If you have yourself a money dilemma, like Drew probably

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Speaker 2: has now got yourself in a little bit of a situation,

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Speaker 2: just hit us up. Search us at ses on the

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Speaker 2: money on any socials.

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Speaker 1: What have you got this week?

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Speaker 5: Michi, Oh this is a good one.

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Speaker 3: It's because you came up with it.

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Speaker 5: This isn't me okay.

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Speaker 2: Kitlyn wants to know what.

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Speaker 3: Where's the recording of Caitlyn?

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Speaker 6: Huh?

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Speaker 1: Sorry?

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Speaker 5: Do you think that I am putting a wig on?

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Speaker 3: And you're not even bothering to put the wig on?

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Speaker 4: You're just asking me your money dilemmas so that I'll

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Speaker 4: answer all your personal financial questions.

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Speaker 3: I'm onto you million dollar meach.

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Speaker 5: Well, listen when you when you realize that Caitlyn wants

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Speaker 5: to know if she should take a new job with

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Speaker 5: a pay rise or stay where she is. It's not me.

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Speaker 4: Yeah, look to be honest, if it is, you have

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Speaker 4: got a different answer.

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Speaker 5: Well the advice you give Caitlyn Air quotes Kaitlyn. Next,

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Speaker 5: we'll do it after this. This is she's on the

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Speaker 5: Money radio show. Everybody great to be here.

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Speaker 1: You know how we are here.

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Speaker 3: Guys, we're here because budget.

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Speaker 4: Is that right?

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Speaker 1: We are sitting here in person.

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Speaker 5: But I was going to say my mum and my

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Speaker 5: dad had a boozy night one night and then about

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Speaker 5: twenty six years ago, and I mean that's why I

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Speaker 5: don't know.

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Speaker 3: I was planned.

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Speaker 1: I was a mistake. My parents were told they couldn't

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Speaker 1: have kids.

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Speaker 3: No such thing. It's a mistake.

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Speaker 2: My sister is a doctor. They got told they couldn't.

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Speaker 2: And then I popped up a little long time later on.

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Speaker 5: Oh isn't that a good story.

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Speaker 3: That's called a happy accident.

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Speaker 1: I don't say happy ending.

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Speaker 5: That would have been pain in my as it is.

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Speaker 1: Can we move on?

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Speaker 2: This is a finance second and the reason we are

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Speaker 2: here is because of Budget Direct. They are winner of

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Speaker 2: Can Stars Insurer of the Year Award twenty twenty two

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Speaker 2: Budget Direct Insurance.

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Speaker 1: So so you didn't.

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Speaker 2: Even practice that one, clearly because of Midge. Anyway, Let's

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Speaker 2: do this.

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Speaker 5: All right. Every week we bring you a financial story

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Speaker 5: from a listener, We get an on air, get Victoria's

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Speaker 5: live take on what they should do. You can get

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Speaker 5: in touch to slide into the DMS like Caitlin's done.

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Speaker 5: She says, Hi, V, I've got a job. I don't

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Speaker 5: know why I went British. Hello, V, I've got a

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Speaker 5: job off on the table. I'm not sure I should

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Speaker 5: take it. In it though, I don't know I should

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Speaker 5: I go to Tottenham? She says, I would gain tenk

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Speaker 5: per animy a pay rise. It's a desk job with

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Speaker 5: potential to progress and grow with inside that company. It's

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Speaker 5: an internal promotion, right, but in a different sector under

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Speaker 5: a different brand name. Okay, I get it. Currently she's

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Speaker 5: on the road doing deliveries, which she enjoys. She loves

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Speaker 5: the freedom, the fresh air, all that good stuff. The

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Speaker 5: new job will make a desk bound much longer commute

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Speaker 5: to work. But she is saving for a house, so

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Speaker 5: the money would be helpful. She's comfortable, does she this

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Speaker 5: is a question. Does she take the new job and

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Speaker 5: the ten kpay rise, but add a thirty to forty

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Speaker 5: minute commute. That's interesting. It's like you can sort of

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Speaker 5: gain something, but you also lose the time.

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Speaker 4: Look, I think it's a rock and a hard place

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Speaker 4: one because I know you guys are expecting me.

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Speaker 3: To go, of course, take the new job, take the

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Speaker 3: more money.

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Speaker 4: But at the end of the day, when you're taking

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Speaker 4: a new job or considering taking a new job, it's

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Speaker 4: not just the financial remuneration we need to take into consideration,

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Speaker 4: but it's all of the added bonuses and benefits and extras.

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Speaker 3: It's the flexibility, it's the.

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Speaker 4: Time with your family and friends, it's the commute.

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Speaker 3: If it's ten grand that.

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Speaker 4: You're looking for, I think we need to look even

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Speaker 4: further than just taking another job. So ten grand divided

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Speaker 4: by twelve is about eight hundred and fifty dollars each

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Speaker 4: and every single month. And if we divide that by

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Speaker 4: fifty two, which is how many weeks are in each

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Speaker 4: and every single year, that's one hundred and ninety two

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Speaker 4: dollars each and every single week that you might want

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Speaker 4: to find to add to your budget. But what we

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Speaker 4: need to add up is how much is going to

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Speaker 4: be taken out in tax, because obviously it's not going

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Speaker 4: to be a clean ten grand that hits your account

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Speaker 4: after taking that job. But if you're already on the

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Speaker 4: road and have some flexibility, you've got an additional forty

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Speaker 4: minutes a day. Can you jump on air tasker and

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Speaker 4: do something after you've clocked off and find that additional

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Speaker 4: cash while maintaining a work life balance that's so important

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Speaker 4: to you.

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Speaker 2: Yeah, and also you've got to think about the fuel

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Speaker 2: that she's going to be driving that forty minute exact.

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Speaker 4: Clear like what is the actual cost benefit and analysis here,

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Speaker 4: because it's not just time you're losing, it's kilometers on

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Speaker 4: the cart, it's more frequent car servicing. It is the petrol,

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Speaker 4: which we know at the moment is completely astronomical, and

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Speaker 4: I do have some hot petrol tips coming up. But

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Speaker 4: from my perspective, it's actually more about work life balance

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Speaker 4: and what you're trying to achieve, because I would prefer

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Speaker 4: to absolutely love my life and love my job. And

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Speaker 4: have the goal of buying a house another twelve months away,

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Speaker 4: then bringing it forward and being miserable.

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Speaker 5: Victoria. I was talking to one of my friends, and

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Speaker 5: this is a friend of mine. You know, we've all

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Speaker 5: got those friends that make a lot of money, and

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Speaker 5: we've all got like one.

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Speaker 4: Yeah, well yeah, mine right now.

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Speaker 5: She told me she had six streams of income. And

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Speaker 5: I think you touched on it, right, Like, work smarter,

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00:16:26,080 --> 00:16:29,040
Speaker 5: not harder, right, try to get different forms of income

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Speaker 5: coming in. So if I'm not the one to be

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Speaker 5: giving financial advice, but stay in the job and try

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Speaker 5: to make that extra ten k elsewhere.

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Speaker 4: Right, Well, did you know million dollar Midge that the

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00:16:38,320 --> 00:16:41,680
Speaker 4: average millionaire has seven different streams of income that come in.

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Speaker 5: Yeah, that makes sense.

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00:16:43,200 --> 00:16:45,240
Speaker 4: So you want to be a millionaire, find seven ways

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Speaker 4: to generate income, and you're halfway there.

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Speaker 5: You have your the stripping that you do, and that's

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Speaker 5: a great way for you to make money on the side.

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Speaker 3: Yeah, and the topless watering.

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Speaker 5: The topless waiting.

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Speaker 2: But I have to put a lot of time in

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Speaker 2: the gym, and I have to take a lot of

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00:16:56,840 --> 00:16:58,240
Speaker 2: you know, supplements and things like that.

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Speaker 3: Oh, I didn't know you did. That was obvious.

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00:17:00,880 --> 00:17:03,200
Speaker 5: Yeah, Traviat's raw chicken breast during the show, It's.

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Speaker 3: All why does he always drink eggs?

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Speaker 4: Hang on?

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Speaker 5: It's bizarre, isn't it.

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Speaker 2: I have to say that I love it because you

432
00:17:08,560 --> 00:17:10,399
Speaker 2: guys just bang on about stuff and it gives me

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Speaker 2: the time to actually eat and things.

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Speaker 1: I have to say anything for minutes. It's fantastic.

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Speaker 3: Your mum must be so proud to rad.

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Speaker 1: Bless you, Chrissy Roebuck.

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00:17:18,280 --> 00:17:21,760
Speaker 2: Hey, if you have yourself a money dilemma, hit us

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00:17:21,840 --> 00:17:25,280
Speaker 2: up anytime. Just search Cheese on the Money on socials.

439
00:17:25,440 --> 00:17:27,480
Speaker 2: You can find us there. But look, we want to

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00:17:27,520 --> 00:17:29,520
Speaker 2: save some money, Victoria Devine, So what are you going

441
00:17:29,600 --> 00:17:30,200
Speaker 2: coming up next?

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Speaker 4: I love saving money and do you know what I

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00:17:32,680 --> 00:17:35,040
Speaker 4: love more than saving my own money is having the

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00:17:35,080 --> 00:17:38,119
Speaker 4: street cred to save other people money. So I have

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00:17:38,200 --> 00:17:40,639
Speaker 4: a fuel app coming up that I'm going to recommend

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00:17:40,640 --> 00:17:42,440
Speaker 4: because I feel like it does a really good job

447
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Speaker 4: at helping us find the cheapest fuel.

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Speaker 3: And I also have.

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Speaker 4: A sneaky way to say forty three thousand dollars on

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Speaker 4: your mortgage.

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Speaker 3: So don't know anywhere.

452
00:17:49,800 --> 00:17:53,840
Speaker 2: You're a modern day Robin hood you knowne Australia's number

453
00:17:53,880 --> 00:17:57,880
Speaker 2: one finance podcast. Hello Victoria Divine. I felt like going

454
00:17:58,000 --> 00:17:59,880
Speaker 2: really ousy then Victoria to worn.

455
00:18:00,160 --> 00:18:03,480
Speaker 4: Yeah, people think that's a stage name. I've been messaged

456
00:18:03,520 --> 00:18:05,600
Speaker 4: so many times people are like, oh, that's a really

457
00:18:05,760 --> 00:18:09,199
Speaker 4: terrible stage name. Yeah, it makes you sound like you

458
00:18:09,240 --> 00:18:12,760
Speaker 4: work in the adult industry. And I'm like, actually, it's

459
00:18:12,760 --> 00:18:15,440
Speaker 4: actually my bloodline that that was my grandparents' name.

460
00:18:15,600 --> 00:18:19,520
Speaker 2: So anyway, and Mitch Jury as well, sitting over there, guys,

461
00:18:20,240 --> 00:18:22,200
Speaker 2: favorite time of the week because it's time to save

462
00:18:22,280 --> 00:18:23,120
Speaker 2: some people some money.

463
00:18:23,200 --> 00:18:23,720
Speaker 1: Let's do this.

464
00:18:23,840 --> 00:18:25,240
Speaker 3: I love it.

465
00:18:25,359 --> 00:18:26,760
Speaker 1: Simper save a Saturday.

466
00:18:27,000 --> 00:18:29,920
Speaker 5: Yes, every week Victoria gives us some sernicky little tips

467
00:18:30,040 --> 00:18:31,679
Speaker 5: on how to keep more bucks in your bank account.

468
00:18:31,680 --> 00:18:33,480
Speaker 5: I don't know about you, trap, but Victoria will text

469
00:18:33,480 --> 00:18:35,040
Speaker 5: me throughout the week and she'll go, oh, I got

470
00:18:35,080 --> 00:18:37,680
Speaker 5: another tip, Victoria, wait until Saturday morning.

471
00:18:38,440 --> 00:18:40,040
Speaker 1: Stop it, mate, What do you got this week?

472
00:18:40,160 --> 00:18:41,440
Speaker 3: Oh my gosh, I have a few.

473
00:18:41,520 --> 00:18:43,640
Speaker 4: But didn't you say you have a money saving tip

474
00:18:43,680 --> 00:18:44,960
Speaker 4: that you want to share with the community.

475
00:18:45,040 --> 00:18:47,159
Speaker 3: Hang on a second, I'm trying to get out of this.

476
00:18:47,160 --> 00:18:49,320
Speaker 2: This is the third week in a row now that

477
00:18:49,359 --> 00:18:51,560
Speaker 2: we have done this with Mitch Jury and the first

478
00:18:51,560 --> 00:18:53,440
Speaker 2: two absolutely terrible mates.

479
00:18:53,760 --> 00:18:55,960
Speaker 3: You know what it's about trusting your friends.

480
00:18:56,000 --> 00:18:58,199
Speaker 1: You said that last week, mate, and guess what happened.

481
00:18:58,240 --> 00:18:59,000
Speaker 1: It was the worst.

482
00:18:59,000 --> 00:19:01,600
Speaker 2: So all right, if you want to be responsible for it, mate,

483
00:19:01,640 --> 00:19:02,520
Speaker 2: you go for It's.

484
00:19:02,359 --> 00:19:04,160
Speaker 5: Shoes on the money with Victoria Vine and Mitch Cheery.

485
00:19:04,160 --> 00:19:05,440
Speaker 5: If I've got a tip, I can bring a tip.

486
00:19:05,520 --> 00:19:07,640
Speaker 3: Keep what's your tip? Million dollar meach?

487
00:19:07,800 --> 00:19:10,080
Speaker 5: All right? If you get a parking fine, which I've

488
00:19:10,119 --> 00:19:12,560
Speaker 5: recently done, no, don't scoff at that, because that is

489
00:19:12,600 --> 00:19:13,680
Speaker 5: a universal problem. We will.

490
00:19:13,760 --> 00:19:16,040
Speaker 4: I always get parking fines because I have a lot

491
00:19:16,040 --> 00:19:18,040
Speaker 4: of audacity and I'm just like, ah, I risk it

492
00:19:18,040 --> 00:19:18,640
Speaker 4: for the biscuit.

493
00:19:18,680 --> 00:19:20,520
Speaker 5: It was a couple of hundred bucks and I forgot

494
00:19:20,520 --> 00:19:20,840
Speaker 5: about it.

495
00:19:20,840 --> 00:19:22,600
Speaker 3: In the left A couple of one hundred bucks for

496
00:19:22,720 --> 00:19:25,560
Speaker 3: parking fine. What did you do in the middle of

497
00:19:25,640 --> 00:19:26,280
Speaker 3: the bridge.

498
00:19:26,600 --> 00:19:30,080
Speaker 5: It was in Bondai, so that's you need to know. Anyway,

499
00:19:30,080 --> 00:19:31,879
Speaker 5: a couple hundred bucks and I forgot about it. They

500
00:19:31,880 --> 00:19:33,480
Speaker 5: sent me mail letter mail at a mail letter, and

501
00:19:33,520 --> 00:19:35,359
Speaker 5: I didn't reply. Got one in the mail. I actually

502
00:19:35,359 --> 00:19:37,119
Speaker 5: read it and said your license is being suspended. You

503
00:19:37,160 --> 00:19:40,000
Speaker 5: must pay now. So I called them and I said, listen, guys,

504
00:19:40,160 --> 00:19:41,680
Speaker 5: I'm not going to pay you the full amount. What

505
00:19:41,720 --> 00:19:42,919
Speaker 5: I'm going to do is I'm going to do it

506
00:19:42,960 --> 00:19:45,040
Speaker 5: in fortnightly repayments. And they said, great, you want to

507
00:19:45,040 --> 00:19:47,280
Speaker 5: do fifty bucks a fortnite And I said, you know what,

508
00:19:47,320 --> 00:19:49,119
Speaker 5: I'm going to give you ten bucks a fortnight. And

509
00:19:49,160 --> 00:19:50,760
Speaker 5: they have to accept it. They've got to take it

510
00:19:50,800 --> 00:19:53,400
Speaker 5: because they actually yeah, he said, oh, I think we'd

511
00:19:53,400 --> 00:19:54,760
Speaker 5: prefer to do a bit more. And I said, oh,

512
00:19:54,800 --> 00:19:57,119
Speaker 5: I can afford is ten dollars a fortnight for a

513
00:19:57,119 --> 00:19:59,040
Speaker 5: couple of months until it's paid off. That is a

514
00:19:59,080 --> 00:20:00,000
Speaker 5: super service Saturday.

515
00:20:00,080 --> 00:20:03,639
Speaker 4: That's actually really smart for budgeting cash flow because obviously,

516
00:20:03,680 --> 00:20:06,560
Speaker 4: when you get a parking fine, it's not expected and

517
00:20:06,640 --> 00:20:09,080
Speaker 4: you might be out literally a couple of hundred bucks,

518
00:20:09,240 --> 00:20:12,399
Speaker 4: So negotiate it. But also, what if you're that parking

519
00:20:12,480 --> 00:20:15,040
Speaker 4: inspector that mitchat a chat to. He's gonna be like,

520
00:20:15,080 --> 00:20:17,119
Speaker 4: isn't that million dollar mich I try to buy you

521
00:20:17,240 --> 00:20:18,320
Speaker 4: ten bucks a week.

522
00:20:18,680 --> 00:20:21,199
Speaker 2: Hey, if we're gonna throw out tips like that, just

523
00:20:21,320 --> 00:20:23,320
Speaker 2: don't park in a place you're not supposed to save

524
00:20:23,359 --> 00:20:24,800
Speaker 2: yourself a cup one hundred bucks?

525
00:20:25,600 --> 00:20:29,200
Speaker 3: All right, thanks for coming drafts see yourself about.

526
00:20:30,880 --> 00:20:31,199
Speaker 5: All right?

527
00:20:31,280 --> 00:20:33,320
Speaker 4: So I haven't you app for you guys, which I

528
00:20:33,359 --> 00:20:37,000
Speaker 4: have recently discovered. Obviously you know I'm already obsessed with

529
00:20:37,040 --> 00:20:39,880
Speaker 4: the seven eleven fuel lock app where you can lock

530
00:20:39,960 --> 00:20:43,000
Speaker 4: in a fuel price. This app takes it to the

531
00:20:43,000 --> 00:20:46,120
Speaker 4: next level. It actually lets you track down the cheapest

532
00:20:46,200 --> 00:20:49,679
Speaker 4: fuel across the board, not just with one company, so

533
00:20:49,720 --> 00:20:52,080
Speaker 4: you can track down the cheapest fuel near you in

534
00:20:52,160 --> 00:20:55,440
Speaker 4: basically two seconds. It's called Arevo. I think I'm saying

535
00:20:55,480 --> 00:20:59,520
Speaker 4: that properly a Revo. It is by our ACV, so

536
00:20:59,560 --> 00:21:01,600
Speaker 4: you know the it's legit. It's not some kind of

537
00:21:01,640 --> 00:21:03,560
Speaker 4: sham app that's trying to scam me out of a

538
00:21:03,560 --> 00:21:06,600
Speaker 4: whole heap of money. But it's the Urevo fuel Finder

539
00:21:06,640 --> 00:21:08,359
Speaker 4: and it basically puts you in the driver's seat.

540
00:21:08,200 --> 00:21:10,120
Speaker 3: When it comes to savings. And I bloody love that

541
00:21:10,280 --> 00:21:10,959
Speaker 3: I've got that out.

542
00:21:11,000 --> 00:21:14,680
Speaker 2: They're actually a really amazing public transport and things like that.

543
00:21:14,760 --> 00:21:16,120
Speaker 3: Are you joking.

544
00:21:17,760 --> 00:21:17,800
Speaker 2: You?

545
00:21:18,000 --> 00:21:19,720
Speaker 3: Actually he's showing me the.

546
00:21:19,640 --> 00:21:22,359
Speaker 4: App, yet he's decided to never share it, and his

547
00:21:22,560 --> 00:21:25,960
Speaker 4: savings tip this week was just to talk anywhere you

548
00:21:26,080 --> 00:21:28,800
Speaker 4: had something better to share, and you chose to withhold it.

549
00:21:28,800 --> 00:21:29,800
Speaker 3: That's disgrastersting.

550
00:21:29,880 --> 00:21:35,359
Speaker 1: I can see too what they call the Obviously.

551
00:21:35,119 --> 00:21:37,080
Speaker 3: I thought he said he'd never heard of grinder.

552
00:21:37,400 --> 00:21:40,360
Speaker 1: Interesting, let's grind it right, Let's move on.

553
00:21:40,640 --> 00:21:42,440
Speaker 3: I have another hot tip for you guys.

554
00:21:42,680 --> 00:21:45,679
Speaker 4: Earlier, I promised that I could save you forty three

555
00:21:45,720 --> 00:21:48,040
Speaker 4: thousand dollars on your mortgage, and I'm going to tell

556
00:21:48,080 --> 00:21:49,239
Speaker 4: you right now how to do that.

557
00:21:49,680 --> 00:21:52,000
Speaker 3: So, when it comes to mortgage repayments, sometimes you're like,

558
00:21:52,040 --> 00:21:54,320
Speaker 3: should I pay more off my mortgage or not? Like,

559
00:21:54,359 --> 00:21:56,359
Speaker 3: what does it mean? How does it work?

560
00:21:56,400 --> 00:21:59,280
Speaker 4: And obviously, at this point in time, interest rates are

561
00:21:59,560 --> 00:22:00,560
Speaker 4: very hot topic.

562
00:22:00,920 --> 00:22:02,159
Speaker 3: However, I've done the maths.

563
00:22:02,320 --> 00:22:04,679
Speaker 4: If you add an additional one hundred bucks each and

564
00:22:04,720 --> 00:22:08,040
Speaker 4: every single week to your mortgage repayments over the life

565
00:22:08,040 --> 00:22:10,600
Speaker 4: of your loan, you are going to say forty three grand,

566
00:22:10,800 --> 00:22:13,800
Speaker 4: but you are going to get out of your mortgage.

567
00:22:13,359 --> 00:22:16,280
Speaker 3: Seven years earlier. How's that for a money win?

568
00:22:16,640 --> 00:22:17,120
Speaker 5: That's a win.

569
00:22:17,520 --> 00:22:19,800
Speaker 4: Also, if you're not in a position where you can

570
00:22:19,880 --> 00:22:22,320
Speaker 4: afford another hundred bucks each and every single week, because

571
00:22:22,320 --> 00:22:24,719
Speaker 4: that's a pretty big stretch for a lot of families.

572
00:22:25,080 --> 00:22:27,960
Speaker 4: Did you know that if you pay your mortgage weekly

573
00:22:28,160 --> 00:22:31,400
Speaker 4: instead of monthly, you will save money because the interest

574
00:22:31,480 --> 00:22:34,359
Speaker 4: is calculated on a daily basis, not a monthly one.

575
00:22:34,400 --> 00:22:37,280
Speaker 2: See that's how we end the show with an absolute bang,

576
00:22:37,359 --> 00:22:38,600
Speaker 2: Victoria Devine, I mean there was.

577
00:22:38,680 --> 00:22:41,080
Speaker 4: You can automate it too by just setting up direct debits,

578
00:22:41,119 --> 00:22:44,000
Speaker 4: and you're saving yourself some cash while still spending exactly

579
00:22:44,040 --> 00:22:44,960
Speaker 4: the same amount of money.

580
00:22:44,960 --> 00:22:47,000
Speaker 1: All Right, we got to get out of here. If

581
00:22:47,160 --> 00:22:49,239
Speaker 1: you want to hit us up anytime, you can do it.

582
00:22:49,320 --> 00:22:52,320
Speaker 2: Just search sheees on the Money on Socials, Mitch, you've

583
00:22:52,320 --> 00:22:54,560
Speaker 2: got to stick around. You're doing the Life on Cut

584
00:22:54,600 --> 00:22:58,680
Speaker 2: show with Laura Dern and is it snabby?

585
00:22:59,240 --> 00:23:00,679
Speaker 4: Maybe? You know?

586
00:23:00,760 --> 00:23:02,400
Speaker 1: I think it's Brett Hockley as well.

587
00:23:02,840 --> 00:23:04,320
Speaker 3: Yeah, that guy's really smart.

588
00:23:04,400 --> 00:23:07,480
Speaker 5: Yeah, no, what it is. It's two professional broadcasters, you

589
00:23:07,520 --> 00:23:08,080
Speaker 5: know what they're doing.

590
00:23:08,160 --> 00:23:10,120
Speaker 4: That's what I've got next to see how he said too,

591
00:23:10,400 --> 00:23:12,080
Speaker 4: it's not one of them exactly.

592
00:23:12,280 --> 00:23:15,119
Speaker 2: No, we are just kidding. The Life Uncut with Laura

593
00:23:15,160 --> 00:23:17,320
Speaker 2: Burn and Brett Hockley coming up next