WEBVTT - Points Hacking (No Credit Card Required) 0:00:00.600 --> 0:00:04.840 Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr 0:00:04.880 --> 0:00:08.600 the Order Kerni Whaltbury and a waddery woman. And before 0:00:08.600 --> 0:00:11.080 we get started on She's on the Money podcast, I 0:00:11.119 --> 0:00:14.240 would like to acknowledge the traditional custodians of the land 0:00:14.360 --> 0:00:17.599 of which this podcast is recorded on a wondery country, 0:00:18.079 --> 0:00:22.200 acknowledging the elders, the ancestors and the next generation coming 0:00:22.239 --> 0:00:26.880 through as this podcast is about connecting, empowering, knowledge sharing 0:00:27.000 --> 0:00:30.040 and the storytelling of you to make a difference for 0:00:30.160 --> 0:00:33.040 today and lasting impact for tomorrow. 0:00:33.240 --> 0:00:34.120 Let's get into it. 0:00:34.280 --> 0:00:53.519 She's on the Money, She's on the Money. 0:00:57.120 --> 0:01:00.000 Hello, and welcome to She's on the Money, the podcast 0:01:00.240 --> 0:01:02.480 that lets you in on all the money secrets you 0:01:02.600 --> 0:01:05.520 need to know to live your best life. Because let's 0:01:05.520 --> 0:01:08.000 be honest, if someone told you that you could fly 0:01:08.200 --> 0:01:11.680 business class without dropping thousands of dollars or getting a 0:01:11.680 --> 0:01:15.319 fancy credit card, you'd want the tea, right, Yes, of course. 0:01:15.280 --> 0:01:16.039 Yes, exactly. 0:01:16.120 --> 0:01:20.960 Well today we are absolutely delivering, and we're doing things 0:01:21.120 --> 0:01:24.959 slightly differently as no surprise to anybody, hopefully. 0:01:25.040 --> 0:01:27.639 My name is Victoria Divine and. 0:01:27.640 --> 0:01:30.360 Joining me on the podcast today is not our usual 0:01:30.520 --> 0:01:32.120 deep dive besa ed. 0:01:32.600 --> 0:01:33.640 Don't worry, she's fine. 0:01:33.680 --> 0:01:35.920 We've kept her in a cupboard to the side, like 0:01:36.000 --> 0:01:38.760 she's in storage for now. But she's just not the 0:01:38.800 --> 0:01:41.880 certified point hacker like the guests we have in studio today, 0:01:41.880 --> 0:01:45.560 which I obviously gave a really good ah what we 0:01:45.600 --> 0:01:45.880 call that? 0:01:46.400 --> 0:01:47.920 Yeah, I gave it away. I gave it away. 0:01:48.000 --> 0:01:50.640 She's part of the she's on the money team, and honestly, 0:01:50.960 --> 0:01:54.120 she is the most points savvy person I know. 0:01:54.680 --> 0:01:57.560 It's the one and only. Just grit you. Hello, welcome 0:01:57.560 --> 0:01:59.280 back to a Wednesday episode. 0:01:59.400 --> 0:02:01.320 Thank you for it's been a while. 0:02:01.480 --> 0:02:04.559 But the second this topic came up, I was like, oh, guys, 0:02:04.680 --> 0:02:06.720 I'm really sorry about this, Beck, but you're not allowed 0:02:06.760 --> 0:02:09.640 to be on this episode. I love you, but it 0:02:09.680 --> 0:02:12.480 will just be me telling you about points. But if 0:02:12.480 --> 0:02:15.440 we get Jessica, it can be Jessica telling me about points. 0:02:15.480 --> 0:02:17.640 And I think that's a good deal. I'm pretty happy 0:02:17.639 --> 0:02:17.800 with that. 0:02:17.960 --> 0:02:19.040 I think it's really good. 0:02:19.120 --> 0:02:21.800 Now, when we say points hacking, a lot of people 0:02:21.880 --> 0:02:25.200 automatically think about flights, which, yeah, you can totally get that, 0:02:25.280 --> 0:02:28.280 But that's just the beginning, isn't it. Jess Jess I 0:02:28.400 --> 0:02:31.440 have personally witnessed this, Like it's not just me being like, 0:02:31.440 --> 0:02:34.280 oh I heard just did this. I have witnessed this, 0:02:34.400 --> 0:02:37.760 and I've seen you snag some truly iconic rewards with 0:02:37.800 --> 0:02:40.639 your points and none of it actually involved you having 0:02:40.639 --> 0:02:43.320 to have a fancy black Amex or even a credit 0:02:43.320 --> 0:02:45.440 card at all. So before we get into the house, 0:02:45.720 --> 0:02:48.640 let's just dive into Jess, what have you bought with 0:02:48.680 --> 0:02:49.240 your points? 0:02:49.400 --> 0:02:51.440 Oh, in the last few years, I've had some goodies. 0:02:51.480 --> 0:02:55.000 I got a Dison vacuum, I got my kitchen Aid. 0:02:55.040 --> 0:02:56.920 I feel like the ogs know this story. 0:02:57.040 --> 0:02:59.680 The kitchen aid was a community effort. I feel like 0:02:59.800 --> 0:03:03.560 you tracking the points. I was you were hustling the points, 0:03:03.600 --> 0:03:06.160 but the community was your biggest cheerleader. 0:03:06.400 --> 0:03:08.000 And I love that thing. I use it all the time. 0:03:08.120 --> 0:03:11.360 And what else? I got AirPods pros with points as well. 0:03:11.680 --> 0:03:13.400 It's just in the last like four years, so it's 0:03:13.440 --> 0:03:15.880 like not taking me that long either really to do it. 0:03:15.919 --> 0:03:17.840 So there's been some goodies, I agree, Jess. 0:03:17.880 --> 0:03:20.440 And also I need to just lay this out right 0:03:20.520 --> 0:03:23.240 because she's on the money. We aren't here for like 0:03:23.560 --> 0:03:26.280 just spending to get a reward. Likely we are not 0:03:26.480 --> 0:03:30.480 buying things because points are associated. We are buying things 0:03:30.520 --> 0:03:33.040 because we are intentional with our spending. This is just 0:03:33.080 --> 0:03:36.320 like a little sugar or cream on the top, right, 0:03:36.520 --> 0:03:39.200 It's not about spending for the sake of getting a 0:03:39.240 --> 0:03:42.120 really shiny reward. So I've got some rules before we 0:03:42.200 --> 0:03:46.880 start talking about this, all right. So points are fabulous. 0:03:47.040 --> 0:03:49.880 We love points in this house, extra value for stuff 0:03:49.880 --> 0:03:53.280 you're already gonna buy, Jess Slay, We love that. But 0:03:53.800 --> 0:03:56.320 buying random things that you didn't need because you saw 0:03:56.680 --> 0:03:59.280 in the catalog that there were bonus points this week 0:03:59.800 --> 0:04:00.440 not sligh. 0:04:00.840 --> 0:04:02.080 That is not the vibe. 0:04:02.240 --> 0:04:04.920 In fact, studies have shown and this is me like 0:04:05.680 --> 0:04:08.440 about to promote loyalty programs, but then also I'm just 0:04:08.440 --> 0:04:10.240 going to shoot on them a little bit to the start, 0:04:10.280 --> 0:04:12.560 because like we need to just get on the same page, right, So, 0:04:13.120 --> 0:04:16.920 studies have shown that loyalty programs can actually increase customer 0:04:16.960 --> 0:04:20.200 spending by twelve to eighteen percent and can increase company 0:04:20.200 --> 0:04:24.279 revenue by twenty five to get this just ninety five percent. 0:04:24.440 --> 0:04:26.320 That's corc and I need to get. 0:04:26.120 --> 0:04:29.800 That down because otherwise, why Jess, would companies have loyalty 0:04:29.839 --> 0:04:31.040 programs to begin with? 0:04:31.279 --> 0:04:33.000 If it's not driving sales. 0:04:33.960 --> 0:04:37.000 Why would you take the time, the energy, spend all 0:04:37.000 --> 0:04:39.640 of that effort on building a program if it's not 0:04:39.720 --> 0:04:40.760 adding to the bottom line. 0:04:40.800 --> 0:04:41.520 It's a great point. 0:04:41.600 --> 0:04:44.520 They're making money from giving us points, but we're smarter 0:04:44.600 --> 0:04:46.800 than that. We're going to take their points for spending 0:04:46.839 --> 0:04:50.240 things we were already going to spend. Right, So now 0:04:50.279 --> 0:04:52.680 I've laid out a few of the ground rules, Jess, 0:04:53.040 --> 0:04:55.120 what would be your first tip for someone wanting to 0:04:55.160 --> 0:04:57.880 maximize the points from their everyday spend. 0:04:58.040 --> 0:04:59.680 I think that one of the first things you want 0:04:59.720 --> 0:05:02.599 to look at is what I call it an ecosystem. 0:05:02.880 --> 0:05:04.560 We've got an ecosystem, I've. 0:05:04.400 --> 0:05:07.600 Got an eco car because, exactly as you're saying, if 0:05:07.600 --> 0:05:10.040 we're trying to collect points, doing the things we're already doing, 0:05:10.400 --> 0:05:13.920 thinking about petrol, thinking about where do we buy our groceries, 0:05:13.960 --> 0:05:14.760 thinking about. 0:05:14.480 --> 0:05:17.080 What stores do you shop at a lot Because there's 0:05:17.080 --> 0:05:18.440 two major camps in Australia. 0:05:18.480 --> 0:05:22.719 There's Velocity, which is paired with flybys, and then there's Quantas, 0:05:22.760 --> 0:05:25.799 which is paired with everyday rewards. Those the two major 0:05:25.880 --> 0:05:28.240 k But if you're Jess, you have all of those, 0:05:28.320 --> 0:05:28.800 don't you. 0:05:28.800 --> 0:05:31.080 You absolutely can do a little bit of everything. 0:05:31.320 --> 0:05:33.360 Yeah, Like it's free to sign up, Like I want 0:05:33.400 --> 0:05:35.640 to have Flybys and I want to have everyday rewards 0:05:35.720 --> 0:05:37.359 like pop off Queen Well, and that's it. 0:05:37.480 --> 0:05:39.359 I think like a lot of people will find and 0:05:39.480 --> 0:05:43.400 I find that I am a Cole's Kmart girlies. Velocity 0:05:43.440 --> 0:05:46.160 is perfect for me, but I do still have everyday rewards. 0:05:46.240 --> 0:05:48.240 If I happen to find myself at a Woolies, I'm 0:05:48.279 --> 0:05:48.800 still gonna be. 0:05:48.800 --> 0:05:51.320 This is where I'm a bit silly Jess, because I'm 0:05:51.320 --> 0:05:55.200 definitely more of a like Velocity points and Flybys points 0:05:55.240 --> 0:05:57.200 girly because like I think we all know, like I 0:05:57.279 --> 0:05:59.920 prefer to fly Virgin, so I want my Virgin points. 0:06:00.040 --> 0:06:02.160 But I also shop at Coals because it's my local 0:06:02.279 --> 0:06:06.159 and like everybody knows, I love a Kmar so that 0:06:06.440 --> 0:06:08.760 can works best for me. But it's kind of like 0:06:09.120 --> 0:06:10.400 comparing Taylor. 0:06:10.560 --> 0:06:11.000 No, it's not. 0:06:11.160 --> 0:06:14.320 It's not like comparing Taylor Swift and Beyond. They're not comparable, 0:06:14.320 --> 0:06:17.200 but I tried to make a comparison that would hopefully 0:06:17.240 --> 0:06:19.240 tell you, like it's in a way. 0:06:19.320 --> 0:06:20.360 Much of a muchness. 0:06:20.760 --> 0:06:23.839 But for me, I probably should get everyday rewards as 0:06:23.880 --> 0:06:27.040 well for the random times I found myself in Wallies. 0:06:26.920 --> 0:06:28.000 Just because you might as well. 0:06:28.000 --> 0:06:31.320 It's asologically exactly, So what do we need to be 0:06:31.360 --> 0:06:33.800 thinking about when we're like signing up because I think 0:06:34.040 --> 0:06:36.160 for most of us, just like me, I like lean 0:06:36.240 --> 0:06:39.200 towards one kind because it just aligns more with just 0:06:39.279 --> 0:06:40.760 the spending that I already have. 0:06:41.320 --> 0:06:43.720 So it's totally that's identifying where you shop the most, 0:06:43.839 --> 0:06:46.640 like what you know you want to do to maximize. 0:06:46.680 --> 0:06:49.599 So if you're someone who flies more with Virginal flies 0:06:49.640 --> 0:06:52.320 more with Quantas, that might influence the choice that you 0:06:52.400 --> 0:06:54.760 make if you're planning to use your points for flights. 0:06:54.800 --> 0:06:59.280 It's also worth checking which airline partners are associated, because 0:06:59.279 --> 0:07:02.240 it's not just Virgin and Quantus that fly. Both of 0:07:02.279 --> 0:07:04.960 them have partner airlines that you can also. I know 0:07:05.080 --> 0:07:07.320 that when I went to Japan, I think it was 0:07:07.520 --> 0:07:09.840 might have been Air Japan was under the Virgin umbrella. 0:07:10.040 --> 0:07:12.360 Yeah, there's a lot of them, correct. I think people 0:07:12.360 --> 0:07:14.520 think that you have to fly Virgin. You don't have 0:07:14.560 --> 0:07:18.400 to fly Virgin. You have to fly a airline that 0:07:18.840 --> 0:07:22.000 is going to accept Velocity points exactly. Like on their website, 0:07:22.000 --> 0:07:24.440 they have literally so many of them that you can 0:07:24.480 --> 0:07:27.080 look up Jess. I just want to segway into this 0:07:27.120 --> 0:07:29.560 because I've just remembered. So we're talking about, you know, 0:07:29.800 --> 0:07:32.560 having points, and I've said, like I want Velocity points 0:07:32.640 --> 0:07:35.880 and fly bys, and last year I signed up for 0:07:35.960 --> 0:07:38.280 one Pass and do you remember the message I was 0:07:38.320 --> 0:07:41.560 sending you. I just like Jess, Like Jess and I 0:07:41.640 --> 0:07:43.920 were texting back and forth because like we aren't just 0:07:44.000 --> 0:07:47.400 like on the podcast talking about this stuff. It's in 0:07:47.440 --> 0:07:49.160 our real life. I'm like, I feel like I have 0:07:49.200 --> 0:07:51.680 hacked the system. Did you know if you sign up 0:07:51.680 --> 0:07:53.480 for one Pass you get all of these points and 0:07:53.520 --> 0:07:55.840 if you like link it on your phone, you can 0:07:55.840 --> 0:07:58.200 get double points every time that you shop it CAMA 0:07:58.280 --> 0:08:00.280 and like we were just like on their website calling 0:08:00.320 --> 0:08:02.120 through the terms and conditions. I was like, this has 0:08:02.160 --> 0:08:05.080 to be capped. It's not capped, so tell me a 0:08:05.120 --> 0:08:08.960 little bit more about I guess other loyalty programs that 0:08:09.080 --> 0:08:11.920 connect to the ones that we already have to increase 0:08:11.960 --> 0:08:14.760 our spend. So that's like one Pass, which I think 0:08:14.920 --> 0:08:16.520 not that many people have heard about. 0:08:16.720 --> 0:08:19.720 One Pass is a great one and we've seen one Pass. 0:08:19.760 --> 0:08:24.200 And the other major supporting loyalty program is every Day Extra, 0:08:24.240 --> 0:08:27.600 which is Everyday Rewards. They're both paid programs, but they 0:08:27.600 --> 0:08:29.560 both go on sale. We've seen both of them. 0:08:29.440 --> 0:08:30.280 Go on sale day. 0:08:30.320 --> 0:08:32.400 That's when I signed up for mine. Yeah, so last 0:08:32.480 --> 0:08:34.480 year I got it for fifty percent off. So instead 0:08:34.520 --> 0:08:36.040 of I think it's meant to be like four dollars 0:08:36.040 --> 0:08:37.319 a month, they get it for two dollars a month. 0:08:37.360 --> 0:08:40.200 And they're crazy, And we've everyday rewards have gone on 0:08:40.240 --> 0:08:41.920 sale I think for half price as well. So keep 0:08:41.960 --> 0:08:43.760 an eye out because you can sometimes pick up that 0:08:43.800 --> 0:08:46.760 membership at a discounted price. They also will often have 0:08:46.880 --> 0:08:49.280 additional perks. So for one pass, I know that you 0:08:49.320 --> 0:08:52.040 can get free shipping on catch you get, you know 0:08:52.080 --> 0:08:54.560 your four times points on every spend for everyday rewards 0:08:54.600 --> 0:08:56.720 you get? Is it five percent? I think off of 0:08:56.760 --> 0:08:58.480 a shot once a month, that might be ten percent. 0:08:58.559 --> 0:09:01.160 I think it's ten percent. I don't know, but like 0:09:01.200 --> 0:09:03.160 it's pretty good. The one thing that I will say 0:09:03.280 --> 0:09:05.280 is I hate when I get to check out and 0:09:05.320 --> 0:09:07.560 I'm like checking out, I've scanned my Flybys thing, and 0:09:07.559 --> 0:09:08.959 then it pops up and says, do you want to 0:09:08.960 --> 0:09:12.280 spend Flybys points? Because I'm like, I don't want to 0:09:12.280 --> 0:09:15.080 accidentally hit yes, because I just want to be really clear, 0:09:15.240 --> 0:09:18.680 Love you flybys, love you one pass, but that's actually 0:09:18.720 --> 0:09:22.600 a really bad exchange of points for money. So like 0:09:22.679 --> 0:09:24.320 if you're at the checkout and you're like, oh, maybe 0:09:24.320 --> 0:09:26.080 I should pay you with points. I mean, if you're 0:09:26.120 --> 0:09:29.680 start for cash, great option totally, but you're not getting 0:09:29.720 --> 0:09:33.480 good ROI like, you're not getting a good exchange rate, 0:09:33.559 --> 0:09:35.880 and we need to consider that too, which is like 0:09:36.520 --> 0:09:38.360 when we talk about or when I talk about the 0:09:38.400 --> 0:09:41.360 exchange rate, right, it's like how many points per dollar 0:09:41.400 --> 0:09:45.000 are we basically getting, Like that's really low? But did 0:09:45.000 --> 0:09:48.040 you know, sorry side not if you go into your 0:09:48.120 --> 0:09:51.640 Frequent Flyers app, you can turn that notification off when 0:09:51.640 --> 0:09:53.160 you scan in at COLT. 0:09:53.320 --> 0:09:54.880 I used do that because it pops up all the time. 0:09:55.000 --> 0:09:57.360 Yeah, and I always have that minute of like which 0:09:57.360 --> 0:09:58.760 one do I press? I don't want to do that. 0:09:58.800 --> 0:10:00.959 I don't want to do that. Yeah, so I go 0:10:01.000 --> 0:10:01.600 turn that off. 0:10:01.720 --> 0:10:03.480 I know that you can do it because people have 0:10:03.559 --> 0:10:05.040 told me that you can do it, but I haven't 0:10:05.080 --> 0:10:06.840 done it for myself yet. So that's probably like a 0:10:06.840 --> 0:10:08.720 life admin task. We're both going to do it right 0:10:08.760 --> 0:10:11.760 after Yeah, okay, all right, all right, So you've told 0:10:11.840 --> 0:10:15.439 us that you actually have an ecosystem, which is absolutely 0:10:15.480 --> 0:10:17.080 not how I thought that this was going to go. 0:10:17.120 --> 0:10:18.360 I thought you were going to be like yep, so 0:10:18.440 --> 0:10:21.959 points you get one, you spend one. Just got an ecosystem, 0:10:22.000 --> 0:10:23.800 and it turns out I do too. I did not 0:10:23.880 --> 0:10:25.640 realize you should know it. Well. I didn't know that 0:10:25.679 --> 0:10:29.079 you call it an ecosystem, and now it feels more legitimate. 0:10:29.280 --> 0:10:31.719 I've just got my Flyby as my one pass, I've 0:10:31.720 --> 0:10:33.520 got all that set up, I've got it all attached 0:10:33.520 --> 0:10:38.120 to my Velocity. But now we've picked an ecosystem. We've 0:10:38.160 --> 0:10:41.280 added our like little booster let's call them booster memberships. 0:10:41.280 --> 0:10:44.040 So you've got your like one pass, all your everyday extras. 0:10:44.320 --> 0:10:49.120 But you're not done with us yet, are you? Like, 0:10:49.160 --> 0:10:51.120 otherwise we wouldn't have a whole episode for you. 0:10:51.320 --> 0:10:52.960 Yep. So you're absolutely right. 0:10:53.040 --> 0:10:55.240 Because I want to talk about bonus offers, and these 0:10:55.280 --> 0:10:58.160 are my favorite because they're very easy and weirdly kind 0:10:58.160 --> 0:10:58.800 of satisfying. 0:10:58.840 --> 0:11:02.320 Oh my goodness, are they ever like talking about bonus? 0:11:02.360 --> 0:11:04.560 There was a bonus ages ago when I was buying 0:11:04.559 --> 0:11:08.080 my iPhone. This is probably not how normal people function. 0:11:08.240 --> 0:11:10.760 Sh Yes, Love it you've got a whole heap of 0:11:10.800 --> 0:11:14.080 points if you're buying gift cards, but the same amount 0:11:14.120 --> 0:11:17.120 of points on my phone wouldn't be it. And I 0:11:17.160 --> 0:11:20.320 remember there was like some weirdly specific like numeric value 0:11:20.360 --> 0:11:22.640 you had to buy like one hundred dollars gift cards. Yeah, 0:11:22.679 --> 0:11:25.080 so I bought like twenty of them. Yeah points, Queen, 0:11:25.760 --> 0:11:28.320 it's queen, Yeah, it's queen. You should have seen the 0:11:28.360 --> 0:11:31.440 receipt when I checked out with my iPhone because it 0:11:31.520 --> 0:11:34.840 was like this, poor girl. Anyway, I regret nothing, sorry 0:11:34.880 --> 0:11:35.280 about that. 0:11:35.320 --> 0:11:38.320 Well, both flybys and Everyday rewards run in app offers 0:11:38.360 --> 0:11:40.600 every single weeks. If you don't have the apps, get 0:11:40.640 --> 0:11:43.439 the apps. There's things like if you spend a said 0:11:43.480 --> 0:11:45.840 amount of groceries, say fifty dollars in groceries, you get 0:11:45.880 --> 0:11:49.079 a thousand bonus points. Honey, mean buy a specific product 0:11:49.080 --> 0:11:51.080 that they want to promote, you get triple the points. 0:11:51.120 --> 0:11:53.520 But you're already going to be spending money on groceries. 0:11:54.200 --> 0:11:55.960 If it means that you're like, oh, should I do 0:11:56.000 --> 0:11:57.319 the grocery shop today. 0:11:57.120 --> 0:11:57.960 Or hold on? 0:11:58.080 --> 0:12:00.440 Bonus points are on Monday, I might just push it 0:12:00.480 --> 0:12:03.520 out like a day or two. If you can or 0:12:03.559 --> 0:12:06.079 like specific point. Can you build your menu around that? 0:12:06.240 --> 0:12:08.160 Well, that's it, because sometimes they'll even do ones where 0:12:08.160 --> 0:12:09.280 it's like a four week challenge. 0:12:09.320 --> 0:12:11.559 It's like spend one hundred dollars every week for four weeks. 0:12:11.559 --> 0:12:14.040 So what we'll often do is push our higher ticket 0:12:14.080 --> 0:12:17.520 items out so that insteadifying because in our household, for example, 0:12:17.520 --> 0:12:22.880 idrin pepsimax, my boyfriend drinks coke zero, so will alternate 0:12:22.880 --> 0:12:25.280 the week use me, I know, not even a diet coke. 0:12:25.360 --> 0:12:25.880 Can you believe it? 0:12:25.920 --> 0:12:27.880 They're only diet coke in this house. In saying that, 0:12:27.920 --> 0:12:30.280 I don't know if everyone's seen the video. I did 0:12:30.280 --> 0:12:32.400 a blind taste test of the two and it turns 0:12:32.400 --> 0:12:34.200 out I can't tell the difference. But if you show 0:12:34.240 --> 0:12:36.320 me the can I know they both days like debt 0:12:36.559 --> 0:12:40.080 but deien. So splitting up your higher priced purchases across 0:12:40.080 --> 0:12:40.800 those four. 0:12:40.559 --> 0:12:42.920 Weeks and you just so you know, if you're gonna 0:12:43.000 --> 0:12:45.000 you're not going to be invited back on this podcast 0:12:45.000 --> 0:12:46.800 if you smack talk coke lives. 0:12:46.520 --> 0:12:48.240 So I deeply apologize. 0:12:48.280 --> 0:12:51.600 So activating those offers, keeping track of you know what's available, 0:12:51.640 --> 0:12:53.439 you can then you know, build it around your half 0:12:53.520 --> 0:12:55.560 priced specials and things like that to still keep your 0:12:55.559 --> 0:12:58.199 costs down while maximizing the points you can get. 0:12:58.280 --> 0:13:00.400 Yeah, I feel like people think this is really commated 0:13:00.440 --> 0:13:01.640 and they're like, oh, I don't even know where to 0:13:01.679 --> 0:13:04.400 start with points. Baby, just sign up for fly buys. 0:13:04.679 --> 0:13:07.199 You sign up for fly buys, you can get the card. 0:13:07.520 --> 0:13:09.440 It's either a card you're keeping your wallet, or I 0:13:09.480 --> 0:13:11.240 have mine on my pay pass, Like what is it 0:13:11.280 --> 0:13:14.680 like the Apple pay or whatever it or there, It's 0:13:14.720 --> 0:13:17.319 just on my phone. I'm just collecting points. It's not 0:13:17.360 --> 0:13:19.520 going to happen overnight. But then you'll check and one 0:13:19.600 --> 0:13:23.480 day you'll be like new iPod MAXs, perfect iPod AirPod, 0:13:23.880 --> 0:13:24.840 AirPod MAXs. 0:13:25.000 --> 0:13:26.240 And that's a good reminder for people. 0:13:26.280 --> 0:13:28.679 Pop your cards in your wallet, because I feel like 0:13:28.800 --> 0:13:30.959 the barrier for a lot of people is not remembering 0:13:30.960 --> 0:13:32.200 that they have it. Or if you have a partner 0:13:32.240 --> 0:13:34.840 and you have one card, put them on your Apple wallets. 0:13:34.920 --> 0:13:37.079 Or if you're like me and you have become a 0:13:37.160 --> 0:13:40.240 mum and you are spending a lot at camar LOLd jokes. 0:13:40.320 --> 0:13:41.760 Everybody spends a lot of money. 0:13:41.760 --> 0:13:43.439 It came up, But I feel like I'm keeping them 0:13:43.440 --> 0:13:48.000 in business by buying their baby clothes, link your cards 0:13:48.360 --> 0:13:51.160 through your like camart login, so it's like one and done, 0:13:51.200 --> 0:13:53.319 so you don't have to remember when you're online checking out. 0:13:53.360 --> 0:13:55.640 All the information is just like in there, but like 0:13:55.880 --> 0:13:58.960 I do that through my one pass anyway. But we've 0:13:58.960 --> 0:14:02.040 picked our program, j Yes, we've you know, doubled up 0:14:02.080 --> 0:14:06.440 with boosted our points. But bearsties, we are just getting started, 0:14:06.760 --> 0:14:08.360 So we're going to go to a really quick break, 0:14:08.360 --> 0:14:10.120 and after the break, Jess is going to take us 0:14:10.160 --> 0:14:13.120 even deeper into the world of points stacking and how 0:14:13.120 --> 0:14:21.120 to make even more points go even further. Stick around, Jess, 0:14:21.160 --> 0:14:23.520 welcome back. I'm very excited that you are still here. 0:14:23.520 --> 0:14:25.640 Thanks for sticking around, even though you're like pepsi not 0:14:25.720 --> 0:14:29.400 diet coke. But before we go any further, I was 0:14:29.440 --> 0:14:31.760 doing a bit of research for this episode and I 0:14:31.840 --> 0:14:34.520 actually have to talk about this now. I feel like 0:14:34.560 --> 0:14:37.160 it is like the wildest points hack of the year, 0:14:37.320 --> 0:14:38.640 and it involves a bath toy. 0:14:38.760 --> 0:14:40.760 Oh, I have seen these tell us all about it. 0:14:40.800 --> 0:14:44.640 So a few weeks ago, Big w had this random 0:14:45.080 --> 0:14:48.320 three dollars fifty like bath toy. It was literally like 0:14:48.640 --> 0:14:51.720 a duck, like a little yellow rubber ducky right, and 0:14:51.840 --> 0:14:55.520 for some reason it was earning one thousand Quantus points 0:14:55.560 --> 0:14:58.640 per duck. Crazy three dollars fifty for a thousand points, right, 0:14:59.000 --> 0:15:03.040 and because every rewards links to Quantus Frequent Flyer, a 0:15:03.080 --> 0:15:06.520 few very clever people they worked out that by buying 0:15:06.640 --> 0:15:10.920 a couple of hundred ducks could actually score them business 0:15:10.920 --> 0:15:15.280 class flights for approximately eleven hundred dollars. So they had 0:15:15.320 --> 0:15:17.320 done all of their numbers and worked out, all, right, 0:15:17.320 --> 0:15:21.560 I need to buy this many rubber ducks. Obviously, they 0:15:21.680 --> 0:15:25.440 sold big w out of bloody rubber ducks, like literally, 0:15:25.520 --> 0:15:28.680 it was posted like an hour before in a points 0:15:28.680 --> 0:15:31.480 hacking group on Facebook and then it sold out completely 0:15:31.520 --> 0:15:34.360 And I just thought that was insane. I also don't 0:15:34.440 --> 0:15:36.880 endorse it though, so like, don't get me wrong, if 0:15:36.920 --> 0:15:42.120 you were planning on, you know, purchasing business class flights, fantastic, 0:15:42.840 --> 0:15:45.840 I think, But also what waste? Like, why are you 0:15:45.920 --> 0:15:50.000 buying you know, three hundred and fifty bloody rubber ducks? 0:15:50.080 --> 0:15:52.120 Jess, Yeah, look, what are you going to do with that? 0:15:52.160 --> 0:15:54.880 Like it sounds good in theory, but I think it 0:15:54.920 --> 0:15:56.200 was a bit of a mess up. I don't think 0:15:56.200 --> 0:15:58.400 they meant to give you a thousand points on rubber ducks, Like, 0:15:58.400 --> 0:16:01.680 I don't know the semantics of that situation, but the 0:16:01.720 --> 0:16:05.120 idea that you're purchasing stuff you don't need for points, 0:16:05.160 --> 0:16:07.480 I'm just like, Babe, that's naughty. That's not the point 0:16:07.480 --> 0:16:10.840 of points hacking. Points hacking for me is about spending 0:16:11.040 --> 0:16:13.720 money that I was going to already spend, but getting 0:16:13.760 --> 0:16:15.680 a bonus or a benefit for doing so. 0:16:16.000 --> 0:16:19.160 Yeah, definitely, And it's really easy to have, you know, 0:16:19.360 --> 0:16:22.080 I think going back to the bonus points thing, if 0:16:22.080 --> 0:16:24.800 there's something that you use and you know you're always 0:16:24.840 --> 0:16:27.120 going to use, I've done it with like toilet paper, 0:16:27.440 --> 0:16:29.800 or again when soft drinks on sale, or something that 0:16:29.880 --> 0:16:30.280 I know. 0:16:30.560 --> 0:16:32.400 You're going to use all the time, we buy it 0:16:32.440 --> 0:16:32.960 all the time. 0:16:33.040 --> 0:16:34.800 And if we've got the funds in our budget to 0:16:34.800 --> 0:16:37.200 purchase the head, maybe we'll buy a couple of extra 0:16:37.320 --> 0:16:40.040 when they're on you know, some kind of bonus points exactly, 0:16:40.320 --> 0:16:41.760 But buying three hundred and fifty. 0:16:41.600 --> 0:16:45.040 Rubber ducks, as you said, like, I think it's fun 0:16:45.080 --> 0:16:48.400 and I loved reading the article and it's clearly very relevant, 0:16:48.440 --> 0:16:51.120 but for me, it's actually not a benefit, Like, what 0:16:51.160 --> 0:16:52.760 are you going to do start a rubber duck shop, 0:16:53.080 --> 0:16:55.320 I would te hundred and fifty people who want to 0:16:55.360 --> 0:16:58.320 buy rubber ducks. Yeah, it's absolutely besteful. 0:16:58.360 --> 0:17:00.560 Also, what were you going to do return them? Ill? 0:17:00.760 --> 0:17:04.160 No, No, when you return things, they exactly exactly. 0:17:04.320 --> 0:17:07.520 So I think it's just it's very important that we're 0:17:07.520 --> 0:17:10.600 taking this into consideration. So you've told me a lot 0:17:10.640 --> 0:17:12.760 about like the points stacking, and that makes sense, and 0:17:12.800 --> 0:17:15.159 I feel like I'm ticking all the boxes here mainly 0:17:15.320 --> 0:17:18.520 guided by you, if I'm being honest. But one thing 0:17:18.560 --> 0:17:22.600 we haven't mentioned that isn't points. Just we're obviously checking 0:17:22.600 --> 0:17:26.160 out online getting some points, but like we're using shopback right. 0:17:26.359 --> 0:17:28.800 Hm, shop back, cash rewards, any kind of cash back 0:17:28.800 --> 0:17:31.040 platform is a great way to double dip. 0:17:31.160 --> 0:17:33.720 Yeah, like double dipping, Like I want to double dip, 0:17:33.840 --> 0:17:37.680 so if I can, I'm ordering online because you can literally, 0:17:38.080 --> 0:17:40.719 So if you're doing your like weekly grocery shop, not 0:17:40.760 --> 0:17:42.399 only is it going to be more planned to do 0:17:42.440 --> 0:17:45.080 click and collect, but you can literally check out through 0:17:45.119 --> 0:17:47.800 one of your cash rewards programs and like get your 0:17:47.800 --> 0:17:50.440 five percent back or get your couple of percent back, 0:17:50.480 --> 0:17:53.240 and then your fly bys points and it becomes like 0:17:53.280 --> 0:17:56.760 a game. Yeah, you are gammifying, grocery shopping, and once 0:17:56.800 --> 0:17:58.200