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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr

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Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: that lets you in on all the money secrets you

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Speaker 4: need to know to live your best life. Because let's

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Speaker 4: be honest, if someone told you that you could fly

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Speaker 4: business class without dropping thousands of dollars or getting a

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Speaker 4: fancy credit card, you'd want the tea, right, Yes, of course.

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Speaker 2: Yes, exactly.

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Speaker 4: Well today we are absolutely delivering, and we're doing things

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Speaker 4: slightly differently as no surprise to anybody, hopefully.

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Speaker 2: My name is Victoria Divine and.

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Speaker 4: Joining me on the podcast today is not our usual

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Speaker 4: deep dive besa ed.

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Speaker 2: Don't worry, she's fine.

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Speaker 4: We've kept her in a cupboard to the side, like

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Speaker 4: she's in storage for now. But she's just not the

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Speaker 4: certified point hacker like the guests we have in studio today,

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Speaker 4: which I obviously gave a really good ah what we

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Speaker 4: call that?

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Speaker 2: Yeah, I gave it away. I gave it away.

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Speaker 4: She's part of the she's on the money team, and honestly,

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Speaker 4: she is the most points savvy person I know.

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Speaker 2: It's the one and only. Just grit you. Hello, welcome

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Speaker 2: back to a Wednesday episode.

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Speaker 5: Thank you for it's been a while.

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Speaker 4: But the second this topic came up, I was like, oh, guys,

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Speaker 4: I'm really sorry about this, Beck, but you're not allowed

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Speaker 4: to be on this episode. I love you, but it

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Speaker 4: will just be me telling you about points. But if

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Speaker 4: we get Jessica, it can be Jessica telling me about points.

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Speaker 5: And I think that's a good deal. I'm pretty happy

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Speaker 5: with that.

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Speaker 2: I think it's really good.

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Speaker 4: Now, when we say points hacking, a lot of people

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Speaker 4: automatically think about flights, which, yeah, you can totally get that,

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Speaker 4: But that's just the beginning, isn't it. Jess Jess I

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Speaker 4: have personally witnessed this, Like it's not just me being like,

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Speaker 4: oh I heard just did this. I have witnessed this,

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Speaker 4: and I've seen you snag some truly iconic rewards with

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Speaker 4: your points and none of it actually involved you having

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Speaker 4: to have a fancy black Amex or even a credit

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Speaker 4: card at all. So before we get into the house,

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Speaker 4: let's just dive into Jess, what have you bought with

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Speaker 4: your points?

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Speaker 6: Oh, in the last few years, I've had some goodies.

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Speaker 6: I got a Dison vacuum, I got my kitchen Aid.

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Speaker 6: I feel like the ogs know this story.

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Speaker 4: The kitchen aid was a community effort. I feel like

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Speaker 4: you tracking the points. I was you were hustling the points,

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Speaker 4: but the community was your biggest cheerleader.

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Speaker 5: And I love that thing. I use it all the time.

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Speaker 5: And what else? I got AirPods pros with points as well.

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Speaker 6: It's just in the last like four years, so it's

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Speaker 6: like not taking me that long either really to do it.

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Speaker 5: So there's been some goodies, I agree, Jess.

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Speaker 4: And also I need to just lay this out right

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Speaker 4: because she's on the money. We aren't here for like

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Speaker 4: just spending to get a reward. Likely we are not

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Speaker 4: buying things because points are associated. We are buying things

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Speaker 4: because we are intentional with our spending. This is just

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Speaker 4: like a little sugar or cream on the top, right,

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Speaker 4: It's not about spending for the sake of getting a

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Speaker 4: really shiny reward. So I've got some rules before we

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Speaker 4: start talking about this, all right. So points are fabulous.

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Speaker 4: We love points in this house, extra value for stuff

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Speaker 4: you're already gonna buy, Jess Slay, We love that. But

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Speaker 4: buying random things that you didn't need because you saw

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Speaker 4: in the catalog that there were bonus points this week

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Speaker 4: not sligh.

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Speaker 2: That is not the vibe.

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Speaker 4: In fact, studies have shown and this is me like

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Speaker 4: about to promote loyalty programs, but then also I'm just

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Speaker 4: going to shoot on them a little bit to the start,

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Speaker 4: because like we need to just get on the same page, right, So,

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Speaker 4: studies have shown that loyalty programs can actually increase customer

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Speaker 4: spending by twelve to eighteen percent and can increase company

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Speaker 4: revenue by twenty five to get this just ninety five percent.

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Speaker 2: That's corc and I need to get.

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Speaker 4: That down because otherwise, why Jess, would companies have loyalty

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Speaker 4: programs to begin with?

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Speaker 2: If it's not driving sales.

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Speaker 4: Why would you take the time, the energy, spend all

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Speaker 4: of that effort on building a program if it's not

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Speaker 4: adding to the bottom line.

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Speaker 5: It's a great point.

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Speaker 4: They're making money from giving us points, but we're smarter

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Speaker 4: than that. We're going to take their points for spending

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Speaker 4: things we were already going to spend. Right, So now

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Speaker 4: I've laid out a few of the ground rules, Jess,

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Speaker 4: what would be your first tip for someone wanting to

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Speaker 4: maximize the points from their everyday spend.

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Speaker 6: I think that one of the first things you want

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Speaker 6: to look at is what I call it an ecosystem.

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Speaker 2: We've got an ecosystem, I've.

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Speaker 6: Got an eco car because, exactly as you're saying, if

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Speaker 6: we're trying to collect points, doing the things we're already doing,

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Speaker 6: thinking about petrol, thinking about where do we buy our groceries,

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Speaker 6: thinking about.

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Speaker 5: What stores do you shop at a lot Because there's

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Speaker 5: two major camps in Australia.

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Speaker 6: There's Velocity, which is paired with flybys, and then there's Quantas,

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Speaker 6: which is paired with everyday rewards. Those the two major

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Speaker 6: k But if you're Jess, you have all of those,

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Speaker 6: don't you.

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Speaker 5: You absolutely can do a little bit of everything.

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Speaker 4: Yeah, Like it's free to sign up, Like I want

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Speaker 4: to have Flybys and I want to have everyday rewards

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Speaker 4: like pop off Queen Well, and that's it.

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Speaker 6: I think like a lot of people will find and

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Speaker 6: I find that I am a Cole's Kmart girlies. Velocity

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Speaker 6: is perfect for me, but I do still have everyday rewards.

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Speaker 6: If I happen to find myself at a Woolies, I'm

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Speaker 6: still gonna be.

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Speaker 4: This is where I'm a bit silly Jess, because I'm

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Speaker 4: definitely more of a like Velocity points and Flybys points

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Speaker 4: girly because like I think we all know, like I

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Speaker 4: prefer to fly Virgin, so I want my Virgin points.

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Speaker 4: But I also shop at Coals because it's my local

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Speaker 4: and like everybody knows, I love a Kmar so that

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Speaker 4: can works best for me. But it's kind of like

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Speaker 4: comparing Taylor.

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Speaker 5: No, it's not.

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Speaker 4: It's not like comparing Taylor Swift and Beyond. They're not comparable,

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Speaker 4: but I tried to make a comparison that would hopefully

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Speaker 4: tell you, like it's in a way.

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Speaker 2: Much of a muchness.

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Speaker 4: But for me, I probably should get everyday rewards as

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Speaker 4: well for the random times I found myself in Wallies.

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Speaker 5: Just because you might as well.

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Speaker 4: It's asologically exactly, So what do we need to be

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Speaker 4: thinking about when we're like signing up because I think

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Speaker 4: for most of us, just like me, I like lean

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Speaker 4: towards one kind because it just aligns more with just

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Speaker 4: the spending that I already have.

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Speaker 6: So it's totally that's identifying where you shop the most,

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Speaker 6: like what you know you want to do to maximize.

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Speaker 6: So if you're someone who flies more with Virginal flies

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Speaker 6: more with Quantas, that might influence the choice that you

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Speaker 6: make if you're planning to use your points for flights.

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Speaker 6: It's also worth checking which airline partners are associated, because

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Speaker 6: it's not just Virgin and Quantus that fly. Both of

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Speaker 6: them have partner airlines that you can also. I know

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Speaker 6: that when I went to Japan, I think it was

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Speaker 6: might have been Air Japan was under the Virgin umbrella.

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Speaker 4: Yeah, there's a lot of them, correct. I think people

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Speaker 4: think that you have to fly Virgin. You don't have

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Speaker 4: to fly Virgin. You have to fly a airline that

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Speaker 4: is going to accept Velocity points exactly. Like on their website,

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Speaker 4: they have literally so many of them that you can

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Speaker 4: look up Jess. I just want to segway into this

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Speaker 4: because I've just remembered. So we're talking about, you know,

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Speaker 4: having points, and I've said, like I want Velocity points

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Speaker 4: and fly bys, and last year I signed up for

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Speaker 4: one Pass and do you remember the message I was

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Speaker 4: sending you. I just like Jess, Like Jess and I

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Speaker 4: were texting back and forth because like we aren't just

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Speaker 4: like on the podcast talking about this stuff. It's in

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Speaker 4: our real life. I'm like, I feel like I have

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Speaker 4: hacked the system. Did you know if you sign up

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Speaker 4: for one Pass you get all of these points and

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Speaker 4: if you like link it on your phone, you can

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Speaker 4: get double points every time that you shop it CAMA

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Speaker 4: and like we were just like on their website calling

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Speaker 4: through the terms and conditions. I was like, this has

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Speaker 4: to be capped. It's not capped, so tell me a

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Speaker 4: little bit more about I guess other loyalty programs that

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Speaker 4: connect to the ones that we already have to increase

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Speaker 4: our spend. So that's like one Pass, which I think

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Speaker 4: not that many people have heard about.

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Speaker 6: One Pass is a great one and we've seen one Pass.

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Speaker 6: And the other major supporting loyalty program is every Day Extra,

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Speaker 6: which is Everyday Rewards. They're both paid programs, but they

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Speaker 6: both go on sale. We've seen both of them.

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Speaker 2: Go on sale day.

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Speaker 4: That's when I signed up for mine. Yeah, so last

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Speaker 4: year I got it for fifty percent off. So instead

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Speaker 4: of I think it's meant to be like four dollars

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Speaker 4: a month, they get it for two dollars a month.

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Speaker 6: And they're crazy, And we've everyday rewards have gone on

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Speaker 6: sale I think for half price as well. So keep

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Speaker 6: an eye out because you can sometimes pick up that

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Speaker 6: membership at a discounted price. They also will often have

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Speaker 6: additional perks. So for one pass, I know that you

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Speaker 6: can get free shipping on catch you get, you know

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Speaker 6: your four times points on every spend for everyday rewards

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Speaker 6: you get? Is it five percent? I think off of

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Speaker 6: a shot once a month, that might be ten percent.

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Speaker 4: I think it's ten percent. I don't know, but like

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Speaker 4: it's pretty good. The one thing that I will say

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Speaker 4: is I hate when I get to check out and

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Speaker 4: I'm like checking out, I've scanned my Flybys thing, and

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Speaker 4: then it pops up and says, do you want to

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Speaker 4: spend Flybys points? Because I'm like, I don't want to

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Speaker 4: accidentally hit yes, because I just want to be really clear,

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Speaker 4: Love you flybys, love you one pass, but that's actually

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Speaker 4: a really bad exchange of points for money. So like

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Speaker 4: if you're at the checkout and you're like, oh, maybe

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Speaker 4: I should pay you with points. I mean, if you're

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Speaker 4: start for cash, great option totally, but you're not getting

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Speaker 4: good ROI like, you're not getting a good exchange rate,

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Speaker 4: and we need to consider that too, which is like

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Speaker 4: when we talk about or when I talk about the

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Speaker 4: exchange rate, right, it's like how many points per dollar

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Speaker 4: are we basically getting, Like that's really low? But did

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Speaker 4: you know, sorry side not if you go into your

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Speaker 4: Frequent Flyers app, you can turn that notification off when

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Speaker 4: you scan in at COLT.

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Speaker 5: I used do that because it pops up all the time.

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Speaker 2: Yeah, and I always have that minute of like which

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Speaker 2: one do I press? I don't want to do that.

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Speaker 2: I don't want to do that. Yeah, so I go

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Speaker 2: turn that off.

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Speaker 4: I know that you can do it because people have

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Speaker 4: told me that you can do it, but I haven't

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Speaker 4: done it for myself yet. So that's probably like a

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Speaker 4: life admin task. We're both going to do it right

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Speaker 4: after Yeah, okay, all right, all right, So you've told

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Speaker 4: us that you actually have an ecosystem, which is absolutely

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Speaker 4: not how I thought that this was going to go.

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Speaker 4: I thought you were going to be like yep, so

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Speaker 4: points you get one, you spend one. Just got an ecosystem,

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Speaker 4: and it turns out I do too. I did not

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Speaker 4: realize you should know it. Well. I didn't know that

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Speaker 4: you call it an ecosystem, and now it feels more legitimate.

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Speaker 4: I've just got my Flyby as my one pass, I've

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Speaker 4: got all that set up, I've got it all attached

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Speaker 4: to my Velocity. But now we've picked an ecosystem. We've

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Speaker 4: added our like little booster let's call them booster memberships.

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Speaker 4: So you've got your like one pass, all your everyday extras.

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Speaker 4: But you're not done with us yet, are you? Like,

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Speaker 4: otherwise we wouldn't have a whole episode for you.

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Speaker 5: Yep. So you're absolutely right.

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Speaker 6: Because I want to talk about bonus offers, and these

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Speaker 6: are my favorite because they're very easy and weirdly kind

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Speaker 6: of satisfying.

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Speaker 4: Oh my goodness, are they ever like talking about bonus?

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Speaker 4: There was a bonus ages ago when I was buying

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Speaker 4: my iPhone. This is probably not how normal people function.

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Speaker 4: Sh Yes, Love it you've got a whole heap of

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Speaker 4: points if you're buying gift cards, but the same amount

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Speaker 4: of points on my phone wouldn't be it. And I

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Speaker 4: remember there was like some weirdly specific like numeric value

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Speaker 4: you had to buy like one hundred dollars gift cards. Yeah,

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Speaker 4: so I bought like twenty of them. Yeah points, Queen,

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Speaker 4: it's queen, Yeah, it's queen. You should have seen the

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Speaker 4: receipt when I checked out with my iPhone because it

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Speaker 4: was like this, poor girl. Anyway, I regret nothing, sorry

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Speaker 4: about that.

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Speaker 6: Well, both flybys and Everyday rewards run in app offers

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Speaker 6: every single weeks. If you don't have the apps, get

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Speaker 6: the apps. There's things like if you spend a said

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Speaker 6: amount of groceries, say fifty dollars in groceries, you get

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Speaker 6: a thousand bonus points. Honey, mean buy a specific product

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Speaker 6: that they want to promote, you get triple the points.

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Speaker 4: But you're already going to be spending money on groceries.

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Speaker 4: If it means that you're like, oh, should I do

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Speaker 4: the grocery shop today.

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Speaker 2: Or hold on?

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Speaker 4: Bonus points are on Monday, I might just push it

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Speaker 4: out like a day or two. If you can or

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Speaker 4: like specific point. Can you build your menu around that?

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Speaker 6: Well, that's it, because sometimes they'll even do ones where

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Speaker 6: it's like a four week challenge.

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Speaker 5: It's like spend one hundred dollars every week for four weeks.

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Speaker 6: So what we'll often do is push our higher ticket

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Speaker 6: items out so that insteadifying because in our household, for example,

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Speaker 6: idrin pepsimax, my boyfriend drinks coke zero, so will alternate

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Speaker 6: the week use me, I know, not even a diet coke.

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Speaker 5: Can you believe it?

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Speaker 4: They're only diet coke in this house. In saying that,

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Speaker 4: I don't know if everyone's seen the video. I did

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Speaker 4: a blind taste test of the two and it turns

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Speaker 4: out I can't tell the difference. But if you show

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Speaker 4: me the can I know they both days like debt

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Speaker 4: but deien. So splitting up your higher priced purchases across

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Speaker 4: those four.

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Speaker 2: Weeks and you just so you know, if you're gonna

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Speaker 2: you're not going to be invited back on this podcast

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Speaker 2: if you smack talk coke lives.

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Speaker 5: So I deeply apologize.

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Speaker 6: So activating those offers, keeping track of you know what's available,

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Speaker 6: you can then you know, build it around your half

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Speaker 6: priced specials and things like that to still keep your

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Speaker 6: costs down while maximizing the points you can get.

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Speaker 4: Yeah, I feel like people think this is really commated

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Speaker 4: and they're like, oh, I don't even know where to

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Speaker 4: start with points. Baby, just sign up for fly buys.

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Speaker 4: You sign up for fly buys, you can get the card.

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Speaker 4: It's either a card you're keeping your wallet, or I

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Speaker 4: have mine on my pay pass, Like what is it

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Speaker 4: like the Apple pay or whatever it or there, It's

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Speaker 4: just on my phone. I'm just collecting points. It's not

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Speaker 4: going to happen overnight. But then you'll check and one

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Speaker 4: day you'll be like new iPod MAXs, perfect iPod AirPod,

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Speaker 4: AirPod MAXs.

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Speaker 5: And that's a good reminder for people.

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Speaker 6: Pop your cards in your wallet, because I feel like

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Speaker 6: the barrier for a lot of people is not remembering

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Speaker 6: that they have it. Or if you have a partner

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Speaker 6: and you have one card, put them on your Apple wallets.

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Speaker 4: Or if you're like me and you have become a

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Speaker 4: mum and you are spending a lot at camar LOLd jokes.

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Speaker 2: Everybody spends a lot of money.

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Speaker 4: It came up, But I feel like I'm keeping them

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Speaker 4: in business by buying their baby clothes, link your cards

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Speaker 4: through your like camart login, so it's like one and done,

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Speaker 4: so you don't have to remember when you're online checking out.

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Speaker 4: All the information is just like in there, but like

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Speaker 4: I do that through my one pass anyway. But we've

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Speaker 4: picked our program, j Yes, we've you know, doubled up

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Speaker 4: with boosted our points. But bearsties, we are just getting started,

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Speaker 4: So we're going to go to a really quick break,

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Speaker 4: and after the break, Jess is going to take us

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Speaker 4: even deeper into the world of points stacking and how

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Speaker 4: to make even more points go even further. Stick around, Jess,

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Speaker 4: welcome back. I'm very excited that you are still here.

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Speaker 4: Thanks for sticking around, even though you're like pepsi not

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Speaker 4: diet coke. But before we go any further, I was

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Speaker 4: doing a bit of research for this episode and I

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Speaker 4: actually have to talk about this now. I feel like

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Speaker 4: it is like the wildest points hack of the year,

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Speaker 4: and it involves a bath toy.

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Speaker 5: Oh, I have seen these tell us all about it.

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Speaker 4: So a few weeks ago, Big w had this random

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Speaker 4: three dollars fifty like bath toy. It was literally like

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Speaker 4: a duck, like a little yellow rubber ducky right, and

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Speaker 4: for some reason it was earning one thousand Quantus points

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Speaker 4: per duck. Crazy three dollars fifty for a thousand points, right,

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Speaker 4: and because every rewards links to Quantus Frequent Flyer, a

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Speaker 4: few very clever people they worked out that by buying

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Speaker 4: a couple of hundred ducks could actually score them business

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Speaker 4: class flights for approximately eleven hundred dollars. So they had

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Speaker 4: done all of their numbers and worked out, all, right,

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Speaker 4: I need to buy this many rubber ducks. Obviously, they

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Speaker 4: sold big w out of bloody rubber ducks, like literally,

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Speaker 4: it was posted like an hour before in a points

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Speaker 4: hacking group on Facebook and then it sold out completely

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Speaker 4: And I just thought that was insane. I also don't

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Speaker 4: endorse it though, so like, don't get me wrong, if

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Speaker 4: you were planning on, you know, purchasing business class flights, fantastic,

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Speaker 4: I think, But also what waste? Like, why are you

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Speaker 4: buying you know, three hundred and fifty bloody rubber ducks?

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Speaker 2: Jess, Yeah, look, what are you going to do with that?

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Speaker 4: Like it sounds good in theory, but I think it

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Speaker 4: was a bit of a mess up. I don't think

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Speaker 4: they meant to give you a thousand points on rubber ducks, Like,

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Speaker 4: I don't know the semantics of that situation, but the

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Speaker 4: idea that you're purchasing stuff you don't need for points,

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Speaker 4: I'm just like, Babe, that's naughty. That's not the point

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Speaker 4: of points hacking. Points hacking for me is about spending

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Speaker 4: money that I was going to already spend, but getting

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Speaker 4: a bonus or a benefit for doing so.

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Speaker 6: Yeah, definitely, And it's really easy to have, you know,

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Speaker 6: I think going back to the bonus points thing, if

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Speaker 6: there's something that you use and you know you're always

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Speaker 6: going to use, I've done it with like toilet paper,

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Speaker 6: or again when soft drinks on sale, or something that

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Speaker 6: I know.

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Speaker 5: You're going to use all the time, we buy it

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Speaker 5: all the time.

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Speaker 6: And if we've got the funds in our budget to

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Speaker 6: purchase the head, maybe we'll buy a couple of extra

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Speaker 6: when they're on you know, some kind of bonus points exactly,

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Speaker 6: But buying three hundred and fifty.

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Speaker 4: Rubber ducks, as you said, like, I think it's fun

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Speaker 4: and I loved reading the article and it's clearly very relevant,

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Speaker 4: but for me, it's actually not a benefit, Like, what

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Speaker 4: are you going to do start a rubber duck shop,

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Speaker 4: I would te hundred and fifty people who want to

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Speaker 4: buy rubber ducks. Yeah, it's absolutely besteful.

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Speaker 2: Also, what were you going to do return them? Ill?

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Speaker 5: No, No, when you return things, they exactly exactly.

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Speaker 4: So I think it's just it's very important that we're

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Speaker 4: taking this into consideration. So you've told me a lot

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Speaker 4: about like the points stacking, and that makes sense, and

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Speaker 4: I feel like I'm ticking all the boxes here mainly

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Speaker 4: guided by you, if I'm being honest. But one thing

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Speaker 4: we haven't mentioned that isn't points. Just we're obviously checking

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Speaker 4: out online getting some points, but like we're using shopback right.

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Speaker 6: Hm, shop back, cash rewards, any kind of cash back

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Speaker 6: platform is a great way to double dip.

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Speaker 4: Yeah, like double dipping, Like I want to double dip,

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Speaker 4: so if I can, I'm ordering online because you can literally,

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Speaker 4: So if you're doing your like weekly grocery shop, not

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Speaker 4: only is it going to be more planned to do

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Speaker 4: click and collect, but you can literally check out through

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Speaker 4: one of your cash rewards programs and like get your

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Speaker 4: five percent back or get your couple of percent back,

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Speaker 4: and then your fly bys points and it becomes like

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Speaker 4: a game. Yeah, you are gammifying, grocery shopping, and once

401
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Speaker 4: you start thinking.

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Speaker 6: About it, it becomes really like second nature to go, Okay, well,

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Speaker 6: if I'm going to get something and they sell it

404
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Speaker 6: at BW and they sell it, it came up, well, I'm

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Speaker 6: going to go to whichever one aligns with the points that.

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Speaker 2: I one hundred want to collect one hundred percent.

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Speaker 4: And I mean you mentioned before like your petrol, and

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Speaker 4: I feel like this is one that I hadn't thought

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Speaker 4: about deeply enough. Now I have, obviously, but like at

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Speaker 4: the time I thought, oh this ecosystem thing. At the time,

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Speaker 4: I didn't know it was an ecosystem. It just gets

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Speaker 4: too complex, Like I'm like, oh, is it like cowtext?

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Speaker 4: Do I go to seven eleven? Like where am I

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Speaker 4: going to do this? Talk to me about partner stores,

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Speaker 4: like because like you have it all mapped out, like

416
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Speaker 4: you know that these are the stores that I get

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Speaker 4: the best rewards at. So like, I know you hold

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00:18:39,480 --> 00:18:41,919
Speaker 4: off getting petrol. You have literally broken down on the

419
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Speaker 4: freeway before because you've been waiting to get petrol at

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Speaker 4: the right petrol station. So don't be like Jessica, no,

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Speaker 4: But I mean we could learn a little bit.

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Speaker 6: Definitely, So I always fill up at a seven eleven

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Speaker 6: or a Shell Calls Express because they're partnered with Velocity.

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Speaker 6: And again you can lack your one past example you

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Speaker 6: gave early. You can link all of these things online.

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Speaker 6: So I use the seven eleven app that's got my

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Speaker 6: Velocity card linked to it. So I scan my seven

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Speaker 6: eleven app in store, which is great because I also

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Speaker 6: will often scan it because I'm using the fuel lock

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Speaker 6: program saving money on fuel. There again, we're double dipping

431
00:19:16,440 --> 00:19:19,320
Speaker 6: where we can. If you are in the Everyday Rewards camp,

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Speaker 6: the Woolies fuel stations are the ones that you want

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Speaker 6: to fill out at. Both of those platforms also will

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Speaker 6: run bonuses, so at seven eleven it'll often be, you know,

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Speaker 6: buy a meat pie and something and get an extra

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00:19:29,640 --> 00:19:30,640
Speaker 6: five hundred points.

437
00:19:30,720 --> 00:19:33,119
Speaker 4: Or speaking of meat piles, did you see my video

438
00:19:33,160 --> 00:19:35,440
Speaker 4: on meat piles? Because I did a collab with seven

439
00:19:35,520 --> 00:19:39,760
Speaker 4: eleven because obviously I'm obsessed with them and I literally

440
00:19:40,359 --> 00:19:42,840
Speaker 4: love working with seven eleven. Like this is so lame,

441
00:19:42,920 --> 00:19:46,320
Speaker 4: but like my seven eleven partnership came from a spat

442
00:19:46,520 --> 00:19:49,080
Speaker 4: I had online with a local coffee shop. Do you

443
00:19:49,119 --> 00:19:52,280
Speaker 4: remember that condescending man who told me that if I

444
00:19:52,320 --> 00:19:54,960
Speaker 4: wanted to afford the good things in life, like I

445
00:19:55,080 --> 00:19:58,000
Speaker 4: probably should get a real job. Anyway, that was really fun.

446
00:19:58,040 --> 00:19:59,880
Speaker 4: If you want to look up coffee gate, you can

447
00:20:00,160 --> 00:20:02,919
Speaker 4: to google Victoria Divine coffee shop and it'll come up.

448
00:20:02,960 --> 00:20:06,120
Speaker 4: It's all over the Daily Mail. But he also told

449
00:20:06,200 --> 00:20:08,159
Speaker 4: me that if I can't afford the coffee at his

450
00:20:08,240 --> 00:20:11,159
Speaker 4: coffee shop, because I had said online, oh my god, guys,

451
00:20:11,280 --> 00:20:14,600
Speaker 4: like an oat latte for seven dollars, Like, wasn't complaining.

452
00:20:14,840 --> 00:20:17,480
Speaker 4: I was literally posting something that we were all thinking.

453
00:20:17,840 --> 00:20:20,600
Speaker 4: Didn't name and shame his cafe, just to be very clear,

454
00:20:20,840 --> 00:20:24,119
Speaker 4: wasn't being rude. I posted a blank coffee cup. But

455
00:20:24,200 --> 00:20:25,840
Speaker 4: he knew that I went to his cafe, so he

456
00:20:25,880 --> 00:20:28,399
Speaker 4: was not impressed, and he told me that I should

457
00:20:28,400 --> 00:20:29,199
Speaker 4: go seven eleven.

458
00:20:29,440 --> 00:20:31,480
Speaker 2: So you know what I did. I went to seven

459
00:20:31,520 --> 00:20:34,520
Speaker 2: eleven and the coffee there was better and a lot

460
00:20:34,600 --> 00:20:35,960
Speaker 2: cheaper as well, a lot cheaper.

461
00:20:36,160 --> 00:20:39,560
Speaker 4: But recently people were like, Victoria Devine doesn't eat meat pies,

462
00:20:39,640 --> 00:20:44,800
Speaker 4: Like this video is phony, Jess. We love a meat pie.

463
00:20:44,920 --> 00:20:47,720
Speaker 4: We love a slope. Our old office used to be.

464
00:20:47,840 --> 00:20:49,840
Speaker 4: Do you remember the one on Burk Street. AH used

465
00:20:49,880 --> 00:20:52,960
Speaker 4: to be around the corner and we would literally be like, okay, cool,

466
00:20:53,400 --> 00:20:55,600
Speaker 4: so if we get this one piece of work time,

467
00:20:55,640 --> 00:20:57,120
Speaker 4: we get a meat pie and a slope.

468
00:20:57,240 --> 00:20:58,080
Speaker 5: It was messed.

469
00:20:57,960 --> 00:20:59,080
Speaker 2: Literally Marney Ween.

470
00:20:59,200 --> 00:21:01,560
Speaker 4: Anyway, I just felt like I needed to say that

471
00:21:01,640 --> 00:21:04,520
Speaker 4: because I am so proud of that partnership that like,

472
00:21:04,640 --> 00:21:06,200
Speaker 4: I talk about it because I love it, not because

473
00:21:06,200 --> 00:21:08,840
Speaker 4: they're paying me guys. And if it's in the ecosystem, oh,

474
00:21:08,920 --> 00:21:11,280
Speaker 4: I love an ecosystem. I'm going to refer to it

475
00:21:11,320 --> 00:21:13,520
Speaker 4: as an ecosystem to my husband and see how he

476
00:21:13,560 --> 00:21:15,320
Speaker 4: feels about fancy it does.

477
00:21:15,440 --> 00:21:17,240
Speaker 5: Another good one is liquor Land.

478
00:21:17,359 --> 00:21:20,800
Speaker 6: They're linked to Flybys, so if I'm restopping the wine rack,

479
00:21:20,840 --> 00:21:23,280
Speaker 6: buying a bottle is a gift or throwing a party, I'll.

480
00:21:23,119 --> 00:21:25,800
Speaker 5: Always try and go there instead of going somewhere random.

481
00:21:25,480 --> 00:21:26,359
Speaker 2: Because it gets fair.

482
00:21:26,440 --> 00:21:29,359
Speaker 6: They'll sometimes offer points deals, and when it comes to

483
00:21:29,400 --> 00:21:32,040
Speaker 6: my car, I will get my car service more often

484
00:21:32,040 --> 00:21:32,320
Speaker 6: than not.

485
00:21:32,359 --> 00:21:34,440
Speaker 5: At my car. I get my tires and stuff.

486
00:21:34,160 --> 00:21:37,320
Speaker 6: There too, because it used to be the Kmart one right, yeah,

487
00:21:37,400 --> 00:21:40,760
Speaker 6: so my car's Camart tire and order I think rebranded.

488
00:21:41,400 --> 00:21:44,920
Speaker 6: They often include free roadside assistance with your services, which

489
00:21:44,920 --> 00:21:46,399
Speaker 6: I have used when I had my flat tire re.

490
00:21:46,520 --> 00:21:48,040
Speaker 2: So that is actually so funny.

491
00:21:48,200 --> 00:21:50,440
Speaker 6: Came my free roadside assistance came out, sorted me out,

492
00:21:50,680 --> 00:21:51,359
Speaker 6: But I got fly.

493
00:21:51,520 --> 00:21:53,760
Speaker 2: This isn't the first time you've required roadside assistance.

494
00:21:53,800 --> 00:21:54,719
Speaker 5: Oh no, I'm a regular.

495
00:21:55,520 --> 00:21:56,560
Speaker 2: You're like, oh, I.

496
00:21:56,560 --> 00:22:00,160
Speaker 4: See that the fuel gauge is flashing red. That just

497
00:22:00,240 --> 00:22:01,080
Speaker 4: mean it's having a.

498
00:22:00,960 --> 00:22:05,800
Speaker 6: Good day, the brave day, but earning Flybys points on

499
00:22:05,840 --> 00:22:08,640
Speaker 6: my service. They sometimes will offer bonus points there as well.

500
00:22:08,680 --> 00:22:11,200
Speaker 6: I think one time I got like twenty thousand bonus points.

501
00:22:11,320 --> 00:22:14,040
Speaker 6: So if you need a log book service or something

502
00:22:14,080 --> 00:22:15,879
Speaker 6: looked at it's going to cost you a bit of

503
00:22:15,880 --> 00:22:18,920
Speaker 6: money anyway, you might as well squeeze all the value

504
00:22:18,920 --> 00:22:20,600
Speaker 6: you can out of it, is my philosophy.

505
00:22:20,960 --> 00:22:23,760
Speaker 4: And she literally does like that's why she's on this

506
00:22:23,840 --> 00:22:26,280
Speaker 4: episode because she's so much better at it than I am.

507
00:22:26,359 --> 00:22:28,560
Speaker 4: I'm like, oh, I don't have that many points, and

508
00:22:28,560 --> 00:22:30,600
Speaker 4: then I kind of like, don't do that much about it,

509
00:22:30,680 --> 00:22:33,160
Speaker 4: just as like, excuse me, what, like you should see

510
00:22:33,200 --> 00:22:35,160
Speaker 4: her account balance is honestly shocking.

511
00:22:35,760 --> 00:22:38,399
Speaker 6: I would always say just check the partner stores first

512
00:22:38,480 --> 00:22:41,440
Speaker 6: and remember because I know sometimes people will say, you know,

513
00:22:41,520 --> 00:22:43,640
Speaker 6: the prices might not be as good the place that's

514
00:22:43,640 --> 00:22:46,520
Speaker 6: more favorable for your point system. But a lot of stores,

515
00:22:46,600 --> 00:22:49,119
Speaker 6: like office Works for example, will price match and office

516
00:22:49,119 --> 00:22:50,320
Speaker 6: Works is.

517
00:22:50,320 --> 00:22:52,280
Speaker 2: Not going to let you get away without getting a

518
00:22:52,320 --> 00:22:52,760
Speaker 2: good deal.

519
00:22:53,200 --> 00:22:55,440
Speaker 6: So look at price matching as well if that's something

520
00:22:55,520 --> 00:22:56,359
Speaker 6: that you're concerned about.

521
00:22:56,359 --> 00:22:59,159
Speaker 4: One hundred percent, And as I mentioned before, obviously if

522
00:22:59,160 --> 00:23:02,280
Speaker 4: you're shopping online, make sure you're using other platforms like

523
00:23:02,320 --> 00:23:04,479
Speaker 4: shop backs so that you're getting cash back. But they

524
00:23:04,480 --> 00:23:08,880
Speaker 4: aren't points related, but both Quantus and also Virgin they

525
00:23:08,920 --> 00:23:11,720
Speaker 4: have their own online like shops or online malls or

526
00:23:11,720 --> 00:23:13,720
Speaker 4: whatever we want to call it. So basically you can

527
00:23:13,760 --> 00:23:17,800
Speaker 4: click through their site before heading to I guess stores,

528
00:23:17,840 --> 00:23:19,920
Speaker 4: so you like log into your Virgin and then go, oh,

529
00:23:20,000 --> 00:23:22,240
Speaker 4: I do want to hit like the iconic. I really

530
00:23:22,280 --> 00:23:24,800
Speaker 4: want to go to Sephora or David Jones or whatever.

531
00:23:25,040 --> 00:23:27,080
Speaker 4: But when you do it that way, you can often

532
00:23:27,200 --> 00:23:30,679
Speaker 4: earn like bonus points on your shop. You're not necessarily

533
00:23:30,680 --> 00:23:33,560
Speaker 4: spending your points, but you're like getting more points because

534
00:23:33,560 --> 00:23:35,639
Speaker 4: you're logged in, which is a money win. And like

535
00:23:35,920 --> 00:23:38,560
Speaker 4: Quantus actually have just like shop Back, they have like

536
00:23:38,600 --> 00:23:42,159
Speaker 4: a browser extension. It's called points Prompter, and it just

537
00:23:42,200 --> 00:23:44,239
Speaker 4: pops up while you're online shopping to let you know

538
00:23:44,280 --> 00:23:46,959
Speaker 4: where like bonus points could be made. So it's like

539
00:23:47,040 --> 00:23:50,280
Speaker 4: doing it for you, which I think is really cool. Now,

540
00:23:50,560 --> 00:23:52,560
Speaker 4: I also wanted to touch on this. I know that

541
00:23:52,640 --> 00:23:54,959
Speaker 4: you buy stuff, Jess, like you're really good at like

542
00:23:55,080 --> 00:23:58,040
Speaker 4: getting like a stand mixer and stuff. I have had

543
00:23:58,040 --> 00:24:00,200
Speaker 4: this debate a few times with Brook in our team,

544
00:24:00,240 --> 00:24:02,760
Speaker 4: who's also a very big points hacker, Like if she

545
00:24:02,840 --> 00:24:05,639
Speaker 4: wasn't based in Perth, this would be a three way conversation,

546
00:24:06,240 --> 00:24:10,000
Speaker 4: but she would never buy things from the online shops

547
00:24:10,040 --> 00:24:13,239
Speaker 4: that like Virgin or Quantus have because she's done the

548
00:24:13,240 --> 00:24:13,760
Speaker 4: mats and.

549
00:24:13,720 --> 00:24:15,160
Speaker 2: The conversion doesn't make sense.

550
00:24:15,160 --> 00:24:18,160
Speaker 4: But then I also know that you're making sure you're like, well,

551
00:24:18,240 --> 00:24:19,760
Speaker 4: I'm not just going to save it all for travel,

552
00:24:19,800 --> 00:24:21,479
Speaker 4: because like I was going to buy air pods.

553
00:24:21,840 --> 00:24:25,199
Speaker 2: My AirPods are free, I'm not going to like for me.

554
00:24:25,240 --> 00:24:27,040
Speaker 6: It's about like if I want something, but I'm not

555
00:24:27,280 --> 00:24:29,000
Speaker 6: exactly to pay the money for me.

556
00:24:29,040 --> 00:24:30,600
Speaker 5: It's yeah, but you're absolutely right, But.

557
00:24:30,720 --> 00:24:32,560
Speaker 4: I wanted to talk about it, like the conversion is

558
00:24:32,600 --> 00:24:36,879
Speaker 4: not incredible, but like you're getting an item for free, Yeah,

559
00:24:36,920 --> 00:24:39,439
Speaker 4: that's a better deal than you know, saving it for

560
00:24:39,520 --> 00:24:41,520
Speaker 4: travel for you because you're like, well, I don't know

561
00:24:41,560 --> 00:24:44,040
Speaker 4: when I'm going to do x YZ, or like that's

562
00:24:44,040 --> 00:24:46,760
Speaker 4: not in my value system at the moment. So like, yes,

563
00:24:47,000 --> 00:24:49,240
Speaker 4: we want to make sure we know how to get

564
00:24:49,240 --> 00:24:52,240
Speaker 4: the best possible deal. But also like Jess, she was

565
00:24:52,280 --> 00:24:54,600
Speaker 4: never going to buy a stand mixer from kitchen Aid

566
00:24:54,680 --> 00:24:56,400
Speaker 4: that was like nearly one thousand dollars.

567
00:24:56,840 --> 00:24:58,119
Speaker 2: Get it on points.

568
00:24:57,840 --> 00:24:59,760
Speaker 5: Exactly right, But talk us through the best way to

569
00:24:59,760 --> 00:25:00,320
Speaker 5: get the flight.

570
00:25:00,560 --> 00:25:02,800
Speaker 4: Yeah, yes, So when it comes to flights, there are

571
00:25:02,800 --> 00:25:04,720
Speaker 4: actually a few good tips that have come out of

572
00:25:04,720 --> 00:25:06,520
Speaker 4: our Facebook group. So I went through the Facebook group

573
00:25:06,560 --> 00:25:10,440
Speaker 4: and was like, let's do a little roundup rewards seats.

574
00:25:10,600 --> 00:25:12,760
Speaker 4: So they're the seats that you can buy with your points.

575
00:25:13,119 --> 00:25:16,520
Speaker 4: They are usually limited, and it usually works out to

576
00:25:16,760 --> 00:25:20,080
Speaker 4: book really early for your holiday or your flight or

577
00:25:20,320 --> 00:25:23,720
Speaker 4: books super last minute, so there are usually only four

578
00:25:23,800 --> 00:25:27,240
Speaker 4: or fewer, which was wild seats per flight in premium

579
00:25:27,280 --> 00:25:30,760
Speaker 4: cabins available and they go really quickly. Like remember when

580
00:25:30,840 --> 00:25:33,280
Speaker 4: we were booking to go to the Uses and were

581
00:25:33,280 --> 00:25:35,280
Speaker 4: points ACKed it. Yeah, we points hacked our way to

582
00:25:35,320 --> 00:25:37,760
Speaker 4: the US and like just so you know, guys, we

583
00:25:37,840 --> 00:25:42,080
Speaker 4: flew the whole team business class to the US and

584
00:25:42,160 --> 00:25:45,720
Speaker 4: it was lovely. It was so nice, but it was

585
00:25:45,760 --> 00:25:48,040
Speaker 4: because we were points hackers. But the way that we

586
00:25:48,119 --> 00:25:51,600
Speaker 4: did that meant that, you know, we weren't on the

587
00:25:51,720 --> 00:25:54,879
Speaker 4: most popular flight time, right, Like we all had to

588
00:25:54,960 --> 00:25:56,920
Speaker 4: chat and we were like, okay, cool, Like we all

589
00:25:56,920 --> 00:25:59,119
Speaker 4: want to fly business, we can be a little bit

590
00:25:59,160 --> 00:26:02,280
Speaker 4: flexible on them. And we booked so far in advance

591
00:26:02,359 --> 00:26:05,240
Speaker 4: that meant that we could. But then on our return

592
00:26:05,359 --> 00:26:08,000
Speaker 4: flights we hadn't worked it out, so we booked super

593
00:26:08,040 --> 00:26:10,679
Speaker 4: last minute and ended up getting business class. So I

594
00:26:10,720 --> 00:26:14,600
Speaker 4: think it's really important to understand how the booking works

595
00:26:14,640 --> 00:26:16,359
Speaker 4: because if you're like, oh, I might go in like

596
00:26:16,440 --> 00:26:19,320
Speaker 4: a month, not going to lie to you, there's probably

597
00:26:19,400 --> 00:26:22,840
Speaker 4: not going to be points flights available yep, or your

598
00:26:22,920 --> 00:26:26,200
Speaker 4: points are not going to go that far because your

599
00:26:26,240 --> 00:26:29,960
Speaker 4: points to upgrade or to go on that flight might

600
00:26:30,000 --> 00:26:32,720
Speaker 4: be all of your points or completely astronomical and a

601
00:26:32,760 --> 00:26:36,960
Speaker 4: really bad like exchange, if that makes sense, whereas the

602
00:26:37,160 --> 00:26:40,600
Speaker 4: exchange that we did it was incredibly reasonable. So I

603
00:26:40,640 --> 00:26:43,080
Speaker 4: would be making sure that you're either booking soon as

604
00:26:43,160 --> 00:26:46,359
Speaker 4: the flights are released or getting ready to pounce like

605
00:26:46,480 --> 00:26:49,639
Speaker 4: really last minute when the airlines actually just drop all

606
00:26:49,640 --> 00:26:53,600
Speaker 4: of their unsold seats upgrades, So you know how people are, like,

607
00:26:53,640 --> 00:26:55,879
Speaker 4: should I, and this is a guess, is a good question.

608
00:26:55,920 --> 00:26:59,280
Speaker 4: Should I buy a flight with one hundred percent points?

609
00:27:00,119 --> 00:27:02,600
Speaker 4: Or should I buy the flight and then upgrade with points?

610
00:27:02,920 --> 00:27:05,800
Speaker 4: Usually upgrades are going to get you better value than

611
00:27:05,840 --> 00:27:08,800
Speaker 4: full redemptions, and that's what we did. So we had

612
00:27:09,080 --> 00:27:12,720
Speaker 4: normal flights that we upgraded with points. Otherwise it would

613
00:27:12,720 --> 00:27:15,520
Speaker 4: have been astronomical. So if you already paid for like

614
00:27:15,760 --> 00:27:18,919
Speaker 4: an economy seat, using your points to upgrade to business

615
00:27:19,000 --> 00:27:22,080
Speaker 4: or premium economy often gives way more bang for your

616
00:27:22,080 --> 00:27:24,520
Speaker 4: buck than using points to book the flight out right.

617
00:27:24,920 --> 00:27:27,400
Speaker 4: And I have done this recently. I have a wedding

618
00:27:27,520 --> 00:27:31,120
Speaker 4: in August. It is in Bali. I have booked flights,

619
00:27:31,480 --> 00:27:32,960
Speaker 4: but the way that Steve and I did it, I

620
00:27:32,960 --> 00:27:36,160
Speaker 4: booked economy flights and then we've just upgraded using points

621
00:27:36,200 --> 00:27:39,280
Speaker 4: to fly business gorgeous. But I'm not going to pay

622
00:27:39,720 --> 00:27:42,280
Speaker 4: for business class flights. Like, please don't get me wrong,

623
00:27:42,359 --> 00:27:44,919
Speaker 4: I don't know at what point in my career I

624
00:27:44,960 --> 00:27:48,959
Speaker 4: will be comfortable spending money like that amount of money

625
00:27:49,160 --> 00:27:50,560
Speaker 4: on business class flights.

626
00:27:50,600 --> 00:27:52,240
Speaker 2: Crazy, Like, at what point do you go?

627
00:27:52,359 --> 00:27:56,440
Speaker 4: Oh, yeah, ten thousand dollars is reasonable for flights.

628
00:27:56,600 --> 00:27:58,840
Speaker 6: Yeah, and it's something that for me, I'm like, that's

629
00:27:58,880 --> 00:28:00,960
Speaker 6: just something I could simply never afford until I started

630
00:28:01,040 --> 00:28:01,840
Speaker 6: using points and I.

631
00:28:01,760 --> 00:28:04,440
Speaker 5: Was like, oh, this is how people do it.

632
00:28:04,560 --> 00:28:07,640
Speaker 4: Yeah, like even like and please don't get me wrong,

633
00:28:07,760 --> 00:28:10,840
Speaker 4: I am not so silly to think that you're not

634
00:28:10,880 --> 00:28:13,359
Speaker 4: looking at me and going Victoria. You absolutely could afford

635
00:28:13,440 --> 00:28:15,439
Speaker 4: ten thousand dollars if you want to, Yes, and I

636
00:28:15,480 --> 00:28:18,680
Speaker 4: am so grateful I can. That is a dumb financial

637
00:28:18,720 --> 00:28:21,240
Speaker 4: decision on my behalf. I'm not doing it, like, I

638
00:28:21,280 --> 00:28:23,680
Speaker 4: don't care how much money I have. I'm not wasting

639
00:28:23,720 --> 00:28:26,000
Speaker 4: that much money on a flight. But you best believe

640
00:28:26,359 --> 00:28:28,280
Speaker 4: my points will get me there. So if I don't

641
00:28:28,280 --> 00:28:31,360
Speaker 4: want a business class flight, you best believe, girl, it's

642
00:28:31,359 --> 00:28:32,680
Speaker 4: a flex because I've.

643
00:28:32,600 --> 00:28:33,800
Speaker 2: Points hacked my way there.

644
00:28:33,920 --> 00:28:34,440
Speaker 5: Incredible.

645
00:28:34,520 --> 00:28:37,760
Speaker 4: The other thing I would say is consider using your

646
00:28:37,880 --> 00:28:41,560
Speaker 4: points for accommodation instead of flights. So I was lucky

647
00:28:41,640 --> 00:28:43,480
Speaker 4: enough that we had heaps of points when Steve and

648
00:28:43,520 --> 00:28:46,160
Speaker 4: I did Europe. So we did Europe when Harvey was

649
00:28:46,200 --> 00:28:48,400
Speaker 4: four months old, and we actually booked a heap of

650
00:28:48,400 --> 00:28:53,680
Speaker 4: our accommodation subsidized with points, which ended up working so well.

651
00:28:54,080 --> 00:28:56,920
Speaker 4: But another community member I saw in our Facebook group

652
00:28:57,120 --> 00:28:59,240
Speaker 4: had shared that it worked out to be cheaper to

653
00:28:59,240 --> 00:29:02,040
Speaker 4: pay cash for their flights to Europe and then they

654
00:29:02,160 --> 00:29:04,840
Speaker 4: use their points to cover ten nights of accommodation in

655
00:29:04,920 --> 00:29:09,760
Speaker 4: London and Barcelona. So flights aren't necessarily always the best value,

656
00:29:10,080 --> 00:29:13,160
Speaker 4: especially when hotels in really big cities can be really

657
00:29:13,280 --> 00:29:15,920
Speaker 4: really Expensive's great, have a look at that, because like

658
00:29:15,920 --> 00:29:17,520
Speaker 4: I know that you and I are like, oh, business

659
00:29:17,560 --> 00:29:21,200
Speaker 4: class so nice, But it's not always about just upgrading

660
00:29:21,200 --> 00:29:23,600
Speaker 4: and having business class flights, Like sometimes I want my

661
00:29:23,640 --> 00:29:26,520
Speaker 4: economy flights to be free, you know. Yeah, Like that's

662
00:29:26,600 --> 00:29:31,240
Speaker 4: the biggest flex not spending money. And if you want

663
00:29:31,240 --> 00:29:33,680
Speaker 4: to compare points to value, because like I'm all about

664
00:29:33,680 --> 00:29:36,200
Speaker 4: a ratio here, we all know I'm an investing queen,

665
00:29:36,880 --> 00:29:40,280
Speaker 4: points value to the cash price, right, so you know

666
00:29:40,320 --> 00:29:42,479
Speaker 4: how I'm saying, Oh, it's not a good exchange. How

667
00:29:42,480 --> 00:29:44,520
Speaker 4: do you work out your exchange rate? I've got a

668
00:29:44,600 --> 00:29:48,160
Speaker 4: stat for you, per so before booking, I would divide

669
00:29:48,200 --> 00:29:52,040
Speaker 4: the ticket cost by the number of points required. And

670
00:29:52,720 --> 00:29:55,320
Speaker 4: if you're getting at least like one point five to

671
00:29:55,440 --> 00:29:58,120
Speaker 4: two cents per point, that's a good deal. So I

672
00:29:58,160 --> 00:30:00,800
Speaker 4: want it to be like one point five to two

673
00:30:00,880 --> 00:30:03,640
Speaker 4: cents a point. I feel like that's a good deal.

674
00:30:03,760 --> 00:30:07,120
Speaker 4: That's a good deal. If you want flexibility, I wouldn't

675
00:30:07,160 --> 00:30:09,680
Speaker 4: limit yourself to just one airlines points either.

676
00:30:09,920 --> 00:30:10,480
Speaker 2: Sorry.

677
00:30:10,680 --> 00:30:12,880
Speaker 4: One of how She's on the Money community members actually

678
00:30:12,920 --> 00:30:15,240
Speaker 4: shared that she prefers not to stick to just Quantus

679
00:30:15,320 --> 00:30:18,080
Speaker 4: or Velocity. She actually collects both, like just re read

680
00:30:18,160 --> 00:30:21,880
Speaker 4: she so that she has more options available across lots

681
00:30:21,920 --> 00:30:25,080
Speaker 4: of different airlines and partners, and that honestly gives you

682
00:30:25,160 --> 00:30:28,800
Speaker 4: a better shot at finding availability and sometimes better value

683
00:30:28,840 --> 00:30:30,880
Speaker 4: for your points. And that's something to think about if

684
00:30:30,920 --> 00:30:35,959
Speaker 4: that's important for you. So, if today has taught us anything, Jess,

685
00:30:36,040 --> 00:30:39,200
Speaker 4: it's that you actually just don't need a fancy credit

686
00:30:39,280 --> 00:30:41,680
Speaker 4: card to start collecting points, and you actually don't need

687
00:30:41,760 --> 00:30:44,640
Speaker 4: six hundred duck buck points, like really don't if you

688
00:30:44,680 --> 00:30:46,120
Speaker 4: want to make points work.

689
00:30:45,920 --> 00:30:49,440
Speaker 6: For you totally, and the b reminder you are collecting

690
00:30:49,440 --> 00:30:51,400
Speaker 6: the points, the points are not collecting you.

691
00:30:51,720 --> 00:30:52,000
Speaker 2: Okay.

692
00:30:52,280 --> 00:30:52,520
Speaker 5: Yeah.

693
00:30:52,600 --> 00:30:55,239
Speaker 2: I feel like people get like real like caught up

694
00:30:55,280 --> 00:30:56,440
Speaker 2: in it. And it's easy too.

695
00:30:56,600 --> 00:30:57,840
Speaker 5: It's addictive, Like.

696
00:30:57,840 --> 00:31:00,840
Speaker 4: I remember when you were like literally so close to

697
00:31:00,880 --> 00:31:03,040
Speaker 4: having enough points for your stand mixer, which I think

698
00:31:03,120 --> 00:31:06,560
Speaker 4: was your big first points purchase. Yeah, like say, this

699
00:31:06,680 --> 00:31:08,959
Speaker 4: is genuinely something we talk about in our team all

700
00:31:09,000 --> 00:31:10,920
Speaker 4: the time. And you were like, oh my god, the

701
00:31:11,040 --> 00:31:13,800
Speaker 4: I'm like three hundred points away and you kept checking

702
00:31:13,840 --> 00:31:15,880
Speaker 4: every day to see what was coming in because you've

703
00:31:15,920 --> 00:31:16,760
Speaker 4: linked everything.

704
00:31:16,800 --> 00:31:18,560
Speaker 2: You were like, surely, surely.

705
00:31:18,240 --> 00:31:19,520
Speaker 5: Now, yeah, genuinely.

706
00:31:19,760 --> 00:31:22,640
Speaker 6: Like we said earlier, the rewards can be amazing, but

707
00:31:22,680 --> 00:31:24,640
Speaker 6: they only make sense if you're spending the money you

708
00:31:24,640 --> 00:31:26,960
Speaker 6: are going to spend anyway exactly.

709
00:31:27,080 --> 00:31:28,760
Speaker 4: All right, Well, I feel like that is a very

710
00:31:28,840 --> 00:31:32,320
Speaker 4: good place to leave it. And ah, a very big

711
00:31:32,400 --> 00:31:36,040
Speaker 4: thank you to our resident Points queen, Miss Grici, for

712
00:31:36,080 --> 00:31:38,400
Speaker 4: sharing all of her tips and her tricks and genuinely

713
00:31:38,640 --> 00:31:41,200
Speaker 4: iconic hacks, even though I don't agree with the fact

714
00:31:41,200 --> 00:31:44,080
Speaker 4: that she drinks pepsi with us today. And guys, if

715
00:31:44,120 --> 00:31:46,719
Speaker 4: you enjoyed today's chat and now you're low key planning

716
00:31:46,720 --> 00:31:48,880
Speaker 4: on how to turn your grocery shop into a holiday

717
00:31:49,000 --> 00:31:51,720
Speaker 4: or even a kitchen and stand mixer, make sure you

718
00:31:51,880 --> 00:31:54,120
Speaker 4: follow or subscribe so that you don't miss out on

719
00:31:54,160 --> 00:31:56,680
Speaker 4: our next episode. And hey, if you've got a wild

720
00:31:56,760 --> 00:31:59,760
Speaker 4: points win or a stacking strategy that we need to

721
00:31:59,800 --> 00:32:03,440
Speaker 4: know that we haven't covered today. Please drop it into

722
00:32:03,440 --> 00:32:05,480
Speaker 4: the She's on the Money Facebook group to benefit the

723
00:32:05,480 --> 00:32:08,440
Speaker 4: whole community because we are always here for a points

724
00:32:08,560 --> 00:32:09,480
Speaker 4: hacking suggestion.

725
00:32:09,720 --> 00:32:11,240
Speaker 5: Absolutely, we are see.

726
00:32:11,120 --> 00:32:12,200
Speaker 2: You next week. Guys, I.

727
00:32:18,880 --> 00:32:21,440
Speaker 7: Did buy shared on She's on the Money is general

728
00:32:21,520 --> 00:32:22,680
Speaker 7: in nature and does.

729
00:32:22,520 --> 00:32:26,520
Speaker 4: Not consider your individual circumstances. She's on the Money exists

730
00:32:26,640 --> 00:32:29,840
Speaker 4: purely for educational purposes and should not be relied upon

731
00:32:29,880 --> 00:32:32,959
Speaker 4: to make an investment or financial decision. If you do

732
00:32:33,080 --> 00:32:35,040
Speaker 4: choose to buy a financial product, read.

733
00:32:34,920 --> 00:32:38,640
Speaker 7: The PDS TMD and obtain appropriate financial advice.

734
00:32:38,280 --> 00:32:39,640
Speaker 2: Tailored towards your needs.

735
00:32:40,000 --> 00:32:43,960
Speaker 7: Victoria Divine and She's on the Money are authorized representatives

736
00:32:44,000 --> 00:32:48,120
Speaker 7: of Money. Sheper pty Ltd ABN three two one six

737
00:32:48,200 --> 00:32:52,040
Speaker 7: four nine two seven seven zero eight AFSL four five

738
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Speaker 7: one two eight nine