Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money, the podcast
Speaker 4: for millennials who want financial freedom. In twenty nineteen, Australian
Speaker 4: residents undertook eleven point three million outbound international trips and
Speaker 4: they stayed abroad for an average of two weeks.
Speaker 5: Yeah.
Speaker 2: I feel like that changed a little bit after that.
Speaker 4: Did These are numbers which in twenty twenty two seem
Speaker 4: unfathomable after two years being in and out of lockdowns
Speaker 4: with no international travel on the cards at all. Fortunately
Speaker 4: the pandemic is over, baby.
Speaker 5: That's not true.
Speaker 2: That is not true. The pandemic is not over, but
Speaker 2: we are over it too, so we are moving on
Speaker 2: content wise.
Speaker 4: While the world opening back up is incredible, what is
Speaker 4: less incredible is the rising cost of living we're all
Speaker 4: facing right now.
Speaker 5: With the exchange rate.
Speaker 4: Poor and the fuel prices sky high. For many of us,
Speaker 4: travel may feel just a little bit out of reach
Speaker 4: right now. To make sure your long awaited holiday plans
Speaker 4: actually happen today, we're going to be running through a
Speaker 4: few handy hacks to help make your travel plans that
Speaker 4: little bit cheaper. My name is Georgia King, and joining
Speaker 4: me as always is Victoria Devine and V. If I'm
Speaker 4: not mistaken, little Bertie told me you've freshly returned from
Speaker 4: a little overseas trip.
Speaker 2: I don't believe a little Bertie. I believe that our
Speaker 2: group chat that I was consistently like, look, I'm in
Speaker 2: the international water.
Speaker 5: It's me obviously a lot of content.
Speaker 2: I feel like that was telling you that I was overseas.
Speaker 2: But yeah, I feel really really grateful to have been
Speaker 2: able to travel overseas. Obviously, after such a tumultuous period
Speaker 2: of time, it is not an option for everybody, So
Speaker 2: I guess let's let's start out there and go, you
Speaker 2: know what the last couple of years have been, let's
Speaker 2: call it the dumpster fire. It was. That's right, And
Speaker 2: there are some people who are going to be listening
Speaker 2: to this that are like v that is so far
Speaker 2: off an option that I have right now, and that
Speaker 2: is totally okay. But it's nice to talk about. It's
Speaker 2: a conversation that we all want to have. I've just
Speaker 2: gotten back and I feel like I am let's say,
Speaker 2: the Savings Queen Jess. She threw me under a bus
Speaker 2: while we're in Paris because we while I was in Paris.
Speaker 2: Oh my gosh, get this. This is so bouche, and
Speaker 2: like I promise you, it was just coincident. We didn't
Speaker 2: travel there for this. We had a Hents Day for
Speaker 2: me because I'm getting married in November, which I don't
Speaker 2: think I've told you guys the date as in November before.
Speaker 2: But I'm getting married in November and my best friend,
Speaker 2: or one of my best friends, Steph, is pregnant, and
Speaker 2: so it's not going to be possible for us to
Speaker 2: have a Hent's Day closer to the date because she's
Speaker 2: gonna have a newborn and I just really want her there.
Speaker 2: Another one of my best friends, Rose lives in London
Speaker 2: at the moment, so it was just it seemed all
Speaker 2: perfect when we were on holiday to like do this
Speaker 2: day together anyway, We're having this boogie day. We'd planned
Speaker 2: it all out. We're like in Paris, guys, this is
Speaker 2: the fanciest thing I've done in my life. And we
Speaker 2: looked on uber to like get to our next venue
Speaker 2: if we're we're going and I was like, absolutely not,
Speaker 2: absolutely not. We are not getting in an uber that
Speaker 2: is like four times to the price, not happening. And
Speaker 2: they're like, Victoria, not on your heads a day and
Speaker 2: I was like yet, nah. Now we can either get
Speaker 2: a scooter because the Lime scooters and we're in Paris,
Speaker 2: or we can go on the metro. And they were
Speaker 2: like Victoria, like we'll just get in an uber, like
Speaker 2: it'll be much easier, Like ye, you're all dressed up,
Speaker 2: and I was like nap. So we got on the metro.
Speaker 2: So we went on the train on my Handstay. I
Speaker 2: was dressed as him. I had my white dress, I
Speaker 2: had my veil. There is a Tea tocot dress, weren't
Speaker 2: you No, It was like it was a dress I
Speaker 2: already had, like a one that I'd bought ages ago
Speaker 2: that was really expensive that I needed to get more
Speaker 2: cost per wear out. So when the girls were like,
Speaker 2: we're gonna have a hend state, you have to wear white,
Speaker 2: I was like, this is perfect. Also on the Queen
Speaker 2: of a white dress, so I had a plethora of options. Anyway,
Speaker 2: I wore that. It was a bit expensive, but also
Speaker 2: it did look really boogie. I had my hair and
Speaker 2: makeup done. I had this like massive veil on, and
Speaker 2: I was just like going through the turnstile at the
Speaker 2: Metro because I was like, I am not going to
Speaker 2: be paying Uber searching, not in Paris.
Speaker 5: On a budget.
Speaker 1: Yeah.
Speaker 2: Always, the exchange rate is absolutely horrendous. So cocktails were
Speaker 2: already costing us an absolute bomb. I'd prefer to have
Speaker 2: another drink and go on the train. And I made
Speaker 2: some pole.
Speaker 5: Laugh So that was exactly you would have made.
Speaker 2: So that's my travel hack. Have a Hen's party in Paris.
Speaker 2: Incredible money win.
Speaker 5: OpEd for PT.
Speaker 4: I would have loved to have seen you on a scooter,
Speaker 4: but anyway, we'll talk about this.
Speaker 2: I've got to fee the show of it because newfound
Speaker 2: love scooters like, I am obsessed like the electric scooters everywhere.
Speaker 2: I've got the linemap on my phone now already use
Speaker 2: them in Melbourne. I love them. It's so practical, you
Speaker 2: get to be outside, you get to have a fun experience.
Speaker 2: It's really cheap, like.
Speaker 5: What's terrifying your life?
Speaker 2: So we're in London, right, George, and it was the
Speaker 2: first time that we were going to scoot. One of
Speaker 2: my best friends Rows leaves in London and she was like,
Speaker 2: oh my gosh, Like the public transport here takes ages
Speaker 2: because traffic's messed up. We can grab scooters And all
Speaker 2: the girls were like, yeah, like that sounds like a
Speaker 2: really fun experience. And Jess was a bit like, oh,
Speaker 2: I don't know, I've never been on a scooter and
Speaker 2: a maybeit apprehensive. And we're like, that's fine. We'll just
Speaker 2: like go on backstreets and go slow. And when you
Speaker 2: first get these scoots, they like have a speed limit
Speaker 2: so that you're not going really fast. Right, So we
Speaker 2: told her all of this, Rose Rose lied. Rose was like, yeah, okay,
Speaker 2: do a little scoop, go around and circle. I'm in London.
Speaker 2: I don't know where I am. I'm just trusting my
Speaker 2: friend straight into Piccadilly Circus.
Speaker 5: Just on the Skoders, joining.
Speaker 2: The busiest joint in town. She's on a scooter, screeching.
Speaker 2: She's alive, she got a cut down, she was fine.
Speaker 2: She's better for the experience. But my friends, that's why
Speaker 2: we have travel insured exactly, because you can't trust rows.
Speaker 4: Lovely little anecdotes to kick us off. But let's get
Speaker 4: into it. V. Where do we start in terms of
Speaker 4: saving hacks for overseas travels?
Speaker 2: So I feel like there are different levels of savings hacks.
Speaker 2: There's like the basics, then there's like the mediocre, then
Speaker 2: there's like the big juicy savings hacks. So we're going
Speaker 2: to start off with like the bear basics, right, and
Speaker 2: we're going to build up from there. So like the basics,
Speaker 2: when it comes to making sure that you're getting a
Speaker 2: cost effective holiday, would be making sure that you know
Speaker 2: school holiday dates right, because it's obviously going to peak
Speaker 2: anytime there are school holiday dates, because that's when most
Speaker 2: people want to travel because a lot of people have
Speaker 2: kids and they need to time their holidays around that.
Speaker 2: So for someone like me, I don't have kids. So
Speaker 2: before we went away, I made sure that I wasn't
Speaker 2: traveling during a peak period. The other benefit of that
Speaker 2: is obviously less traffic when you're over there. So if
Speaker 2: you're going to Bali or you're going to a very
Speaker 2: popular holiday destination, I actually love the idea that I
Speaker 2: know it's not Australian school holidays, because then I know
Speaker 2: it's not gonna be filled full of a plethora of kids,
Speaker 2: because I think we've all been somewhere at some point,
Speaker 2: even if it's just like the Maya Christmas windows and
Speaker 2: you're like, oh god, I forgot what it was like
Speaker 2: to have so many people in one location because it's
Speaker 2: school holidays, right, So that would be my first Make
Speaker 2: sure you're traveling in off peak periods if possible. The
Speaker 2: next one is phone roaming, which if you listened to
Speaker 2: our travel insurance episode, you know I got stung with
Speaker 2: it TLDR. If you're with the same phone carrier that
Speaker 2: I am with, roaming included everywhere except the UAE, which
Speaker 2: is how I ended up with a seven hundred dollar
Speaker 2: phone bill. Thankfully they've sordered me out. I'm out of it.
Speaker 2: We're all good, but make sure that you understand your
Speaker 2: phone roaming options. So for me, my phone roaming options
Speaker 2: were five dollars a day if you're out of the country.
Speaker 2: A couple of the girls I was traveling with were
Speaker 2: with different carriers, so they were either ten dollars a
Speaker 2: day or pay as you go. So just understand that
Speaker 2: because I'm actually so reliant on my phone, and that
Speaker 2: sounds really bad because when you're on holiday you want
Speaker 2: to be disconnected. But the one thing that made me
Speaker 2: feel really safe was knowing, all right, well, we're going
Speaker 2: to go for a walk, but I also know I've
Speaker 2: got Google Maps on my phone and I can get
Speaker 2: straight home if I need to. I also found so
Speaker 2: I traveled with a Wires card, which is another travel
Speaker 2: hack and like a next level very good outcome if
Speaker 2: you are looking for an overseas bank with good exchange rates.
Speaker 2: I found them really good. But I had my wires
Speaker 2: card on my phone because you can get it same day,
Speaker 2: which was like a bit of a money win. Again,
Speaker 2: not sponsored. I've never actually even spoken to them proper.
Speaker 2: They just are a really good service, and I used
Speaker 2: my Wives card when I was over there. But I
Speaker 2: would make sure that you understand what that means for
Speaker 2: you and how much data you actually need because some
Speaker 2: people will be like, oh, just turn data off, and
Speaker 2: I was like, that's not an option for me. Like,
Speaker 2: I genuinely get anxiety when I'm in a place that
Speaker 2: I don't know and knowing that my phone was on
Speaker 2: me and I could just open it and could just
Speaker 2: use Google Translate, which, gee, have you seen that?
Speaker 1: No?
Speaker 5: Sorry, I shook my head. This is a podcast from Doing.
Speaker 2: What are you doing? G King? So while I was
Speaker 2: away Rose, she's like featuring in this episode very heavily
Speaker 2: because she gave me a lot of tips and tricks.
Speaker 2: Rose introduced me to Google Translate, which you might go, great,
Speaker 2: no problems, Like I can type my text in there,
Speaker 2: Georgia King. No, you open the camera and hold it
Speaker 2: over whatever text you're trying to translate, and it translates
Speaker 2: on the screen into English. Whether that is a menu
Speaker 2: or a stop sign, it doesn't matter. It literally will
Speaker 2: pop up and put the text over the top. So
Speaker 2: I'll be like I'll have that, no problems, thank you
Speaker 2: so much. But also when you translate, you can speak
Speaker 2: directly into this in English and then press translate to
Speaker 2: French and it tells your uber driver what you need
Speaker 2: to tell them in their native tongue and then they
Speaker 2: say it back in French and it tells me in
Speaker 2: English what he just said. That is like no texting
Speaker 2: out little messages and handing in the phone and being
Speaker 2: like do you get this? Like it was free George
Speaker 2: Jim how Good's gole how Good is Google sponsor up?
Speaker 2: Because I am your biggest fan? But literally that's that's
Speaker 2: Is that a money saving hack? I don't know if
Speaker 2: it's a money saving chesa you get back on your hack.
Speaker 2: Having Google Translate and having my phone there accessible and
Speaker 2: knowing I can use it without being stressed about the
Speaker 2: cash side of it was to me really important. It
Speaker 2: might not be as important to you, so make up
Speaker 2: your own mind. There's also an option in a lot
Speaker 2: of countries, so it's becoming more popular in places like
Speaker 2: Europe and Japan. But rentable mobile routers so you can
Speaker 2: just like have a pocket Wi Fi thing, so you
Speaker 2: would tend to that. Another hack, which if you're traveling
Speaker 2: for a week, it probably doesn't make a lot of
Speaker 2: sense to do so if you're traveling for a longer
Speaker 2: period of time. So for example, Broshe who is on
Speaker 2: our team, she's head of events here at she's on
Speaker 2: the money. She is headed off nine weeks in Europe
Speaker 2: without me. Kind of rude, but okay, it might make
Speaker 2: more sense for her to just buy her own pocket
Speaker 2: Wi Fi router to use while she's abroad so that
Speaker 2: she doesn't have to change her mobile number and do
Speaker 2: the whole new simcard thing, which can be a little
Speaker 2: bit of a headache, but typically your reserve one, you
Speaker 2: pick it up at the airport or you can have
Speaker 2: it delivered to your hotel. They're a super low cost
Speaker 2: way to make sure you don't get stung with international
Speaker 2: roaming fees if that's something you need access to. So Nico,
Speaker 2: I mean, we did a whole episode on comprehensive travel insurance,
Speaker 2: so go back to that. But my top tip there
Speaker 2: is get comprehensive travel insurance non negotiable. And then Georgia
Speaker 2: King the other tip not sponsored, just a really big
Speaker 2: fan of shot Back. This is not their episode, but
Speaker 2: it could be their episode shot Back. Honestly, when we
Speaker 2: were booking our holiday, they had so many deals on
Speaker 2: like booking dot Com or direct with our airlines. So
Speaker 2: make sure that you're getting money back on these things.
Speaker 2: Because every transaction I made, I was making sure to
Speaker 2: click shot Back, and I was like, oh my gosh, Like,
Speaker 2: I'm literally getting more cash back just by having this
Speaker 2: on my browser. So again, not sponsored. I mean, they're
Speaker 2: probably gonna be pretty happy with this little shout out
Speaker 2: because I'm literally their biggest fan. But I think that's
Speaker 2: the one thing I didn't expect. Like, obviously I shop
Speaker 2: on the Iconic all the time. I tell you about this,
Speaker 2: I get my cash back, I have a supreme time.
Speaker 2: But when it popped up for places like booking dot Com,
Speaker 2: I was like, hold up, like you're saying I can
Speaker 2: get like five percent cash back on my holiday money
Speaker 2: in I'm absolute money in.
Speaker 4: Amazing and using yeah, platforms like shot back so much
Speaker 4: better than using platforms like after pay, you know.
Speaker 2: But yeah, but I mean they're completely different, and it
Speaker 2: frustrates me because they feel like I'm seeing a lot
Speaker 2: of people in our community put holidays on buy now,
Speaker 2: pay later pms, and it just I just think it's
Speaker 2: the wrong mentality. Like please, don't get me wrong. It
Speaker 2: is a privilege. It's kind of a reward, it's not
Speaker 2: a given. Gee. I think that being in this privileged
Speaker 2: position of having just gotten back from a holiday and
Speaker 2: you know I'd been thinking about this, you know, I
Speaker 2: say flippantly, ha ha. We booked a last minute holiday,
Speaker 2: but the reason we did that was because through COVID,
Speaker 2: I had holidays that were booked that got canceled, and
Speaker 2: thankfully I had good refund policies. So I've had this
Speaker 2: cash sitting to the side that I've literally had ear
Speaker 2: marked as this is a holiday at some point somehow
Speaker 2: with my girlfriends. And then once Steph ended up pregnant,
Speaker 2: which is like the most exciting thing to happen to
Speaker 2: be my entire life, we were like, oh, we probably
Speaker 2: should organize this soon because if we don't, that's just
Speaker 2: not going to be a reality for us in the future.
Speaker 2: So we planned this pretty last minute, but it was
Speaker 2: also something that had been set aside. And I think nowadays,
Speaker 2: especially with the rising costs of living and how much
Speaker 2: the world is costing us, and how much stress we're
Speaker 2: all under and how much trauma honestly all of us
Speaker 2: have been through over the last two nearly three years,
Speaker 2: we all go, we deserve a holiday, and you totally do.
Speaker 2: But I also look at it and go, just future,
Speaker 2: you deserve the financial implications that are going to be
Speaker 2: put on you by making that decision, And it's so
Speaker 2: easy to make that decision to go, oh, well, I'll
Speaker 2: just go on holiday and deal with it later. It's like,
Speaker 2: but is that actually putting you in the best possible position? Like,
Speaker 2: I know this whole yolo mentality exists, and I'm a
Speaker 2: very big believer in experiences over you know, big long
Speaker 2: term financial goals happening sooner. Like I totally get that
Speaker 2: everybody's on a different page, But personally, I would much
Speaker 2: prefer to have the ability to go on holidays and
Speaker 2: I'll just retire a few years later because for me,
Speaker 2: enjoying the journey is so important. But it's also like,
Speaker 2: can we really reframe this and go if you don't
Speaker 2: have a good emergency fund and you don't have that
Speaker 2: free cash flow available and you're really stretching yourself to
Speaker 2: go on this holiday and it's putting you out to
Speaker 2: quote live your best life, is that actually the best
Speaker 2: use of funds that you have, Like, I just I
Speaker 2: want you to care about yourself as much as I
Speaker 2: care about you. Because as much as I gee, I
Speaker 2: want you to go overseas, I want you to have
Speaker 2: a mint time, I want you to have the best
Speaker 2: time ever, But I go, is that worth it? Or
Speaker 2: should we be saving for this? Because the way I
Speaker 2: view it is, for me, a holiday is a reward,
Speaker 2: either a reward for doing something good or saving, but
Speaker 2: it shouldn't be something that costs you once you're there.
Speaker 2: So I'm very much a believer in saving for a
Speaker 2: holiday and paying it off before you go than paying
Speaker 2: it off when you get back. Like, I don't believe
Speaker 2: anyone should carry debt for things they can't tangibly hold
Speaker 2: or tangibly on cell yeah right, Like it's just it's
Speaker 2: bad debt and it's putting you in a bad position,
Speaker 2: and I just don't want anyone to be in that position.
Speaker 2: But I think it's you know, I'm bringing it up
Speaker 2: now because I feel like every man and their dog
Speaker 2: is currently in Italy.
Speaker 5: That's what I was gonna say. It's hard when everyone's
Speaker 5: there got a Malfi.
Speaker 2: Every single influencer. I was like, Oh, we're in the
Speaker 2: Amalfi coast. I'm like, oh my gosh, like gorgeous, But
Speaker 2: don't forget that so many of them either sponsored or
Speaker 2: have paid for it in cash or are in unnecessary debt.
Speaker 2: Like I cannot. And I don't mean to throw influences
Speaker 2: under the bus, because gee, we are influencers in a way,
Speaker 2: like the amount of influences I have spoken to, because
Speaker 2: that's you know, my financial advice practice really focuses on
Speaker 2: people with social media platforms. The amount of influencers I
Speaker 2: have spoken to before that are like, oh, I'm in
Speaker 2: fifty grand worth of personal debt, like no worries because
Speaker 2: it's like for my personal brand, And I just go, what,
Speaker 2: like why are you putting up with this? Like your
Speaker 2: audience don't require you to have a brand new xyz
Speaker 2: or go on a holiday to create content, Like, no
Speaker 2: one's expecting this of you. So I think there's something
Speaker 2: really sexy about putting your own needs first. I don't know.
Speaker 5: Okay, So after pay is a no no, what a.
Speaker 2: Surprise nobody's shocked to accept.
Speaker 4: For Victoria, let's move on the V and chat about flights.
Speaker 4: How can we save a pretty penny when it comes
Speaker 4: to booking our efforts?
Speaker 2: Okay, So there are lots of ways, and I want
Speaker 2: to say research, but also research is also going to
Speaker 2: put you back so private browsing when you're on your
Speaker 2: computer and you're looking up flights go into eatingcognito mode
Speaker 2: so that your cookies aren't being tracked, because if your
Speaker 2: cookies are being tracked, the flight company they're really smart.
Speaker 2: They're like, g wants to go on holiday on these dates. Okay,
Speaker 2: let's show her the price today and then if she
Speaker 2: looks tomorrow, let's add one hundred bucks to it, because really, yeah,
Speaker 2: it happens all the time. And if you get rid
Speaker 2: of your cookies and delete like your browsing history, more
Speaker 2: often than not, the price will go down because if
Speaker 2: you look anyway. That is a hot tip. Other hot tip,
Speaker 2: after I've done a lot of research, the best time
Speaker 2: to book a flight is Tuesday at eight pm. And
Speaker 2: that's because then this might change because we're going to
Speaker 2: send the shoes on the money community onto the internet
Speaker 2: to do this. But that's because that's when flight companies
Speaker 2: and flight websites and booking websites have the least amount
Speaker 2: of traffic, so they want the most amount of bookings.
Speaker 2: Whereas the worst time you can book a flight is
Speaker 2: a Saturday night after eight pm, and that's because.
Speaker 5: People are on the berz and they're like, oh, let's get.
Speaker 2: A buck, let's go a bye way yeah, that's literally it, right.
Speaker 2: Is that not the night that you would organize to
Speaker 2: have your mates over to book the holiday that you've
Speaker 2: been planning on.
Speaker 5: It's not going to be a Tuesday?
Speaker 4: Yuck?
Speaker 5: I hate tuesdays.
Speaker 3: Yeah we.
Speaker 2: Okay, gee, we say recording on a Tuesday or I
Speaker 2: have no problems. So cookies are really important, not the
Speaker 2: delicious kind, but the kind that save your money. And
Speaker 2: then look at flexible dates for planes because they really vary.
Speaker 2: So an example of that is not going, oh hey, gee,
Speaker 2: have a look if you can just go the week before,
Speaker 2: like that's not that practical. But I actually looked at
Speaker 2: flights because I was in charge of booking Ah surprise,
Speaker 2: I was in charge of booking flights for the four
Speaker 2: of us that were going to the UK, right, So
Speaker 2: I put down all of our flight preferences and how
Speaker 2: to look at what it would cost. And I put
Speaker 2: down flexible dates, not because I actually wanted to change
Speaker 2: the time, but because I wanted to see what that
Speaker 2: would look like. And I realized that if we came
Speaker 2: back a day later than what we had planned originally.
Speaker 2: When we sat down and we said let's go on holiday,
Speaker 2: what dates do you want like my girlfriends and night.
Speaker 2: We're very much homebodies. So if I'm going on a holiday,
Speaker 2: I actually want to come back with enough time to
Speaker 2: be at home sett all unpack, have a good sleep
Speaker 2: in my own bed before going back to work. So
Speaker 2: I was like, I want to probably be back on
Speaker 2: the Friday, so I've got the weekend and go back
Speaker 2: to work on Monday. Right, this is my thought pattern.
Speaker 2: But we realized if we were happy to fly in
Speaker 2: on this Saturday night at like ten pm or something
Speaker 2: ridiculous and only have that Sunday, we were saving close
Speaker 2: to one thousand dollars.
Speaker 5: Wow.
Speaker 2: So all of us agreed, you know what, as much
Speaker 2: as we kind of come back on that Friday night,
Speaker 2: let's just extend it for like less than twenty four hours.
Speaker 2: And it put us in a better position. The other
Speaker 2: thing happened at the start of the holiday as well,
Speaker 2: where I was like, guys, like, what date do we
Speaker 2: want to go? And everyone's like, cool, we finished work
Speaker 2: on Friday, let's go on Saturday morning or you know,
Speaker 2: Saturday afternoon. I was like, no problems. But I went
Speaker 2: back to them and said, look, flights are four hundred
Speaker 2: dollars each cheaper if we can fly out at three
Speaker 2: A on the friday that you finished work, Like, would
Speaker 2: you be down for actually flying out the night that
Speaker 2: you finished work? And everyone was like, yeah, no problems,
Speaker 2: Like we'll finish work, we'll have a big day, we'll
Speaker 2: fall asleep on the plane. So for us, we ended
Speaker 2: up actually saving a fair bit of money because we
Speaker 2: were able to be flexible on the dates. And I
Speaker 2: don't think it's about going, oh, should you change a
Speaker 2: holiday a week or so, It's literally about the small
Speaker 2: flight changes to the more unpopular flights. That meant one,
Speaker 2: our flight wasn't so packed, because from what I understand,
Speaker 2: flights at the moment are hectic. But two, it saved
Speaker 2: us some pretty serious bank Like I think we ended
Speaker 2: up saving more than twelve hundred dollars each on the
Speaker 2: return flights just because we weren't trying to fly at
Speaker 2: the quote most convenient time for us. And then also
Speaker 2: to add on to that, not a money saving trick,
Speaker 2: but a time saving trick. The second we got to
Speaker 2: the airport, we started acting like we were on London time. Yeah,
Speaker 2: so making sure that we were aligning our sleep schedule
Speaker 2: for the plane to what the location would be so
Speaker 2: that we weren't as jet lagged when we got worked
Speaker 2: out for king uh huh coming home not the same,
Speaker 2: But we won't talk about.
Speaker 5: It or about that one.
Speaker 4: I think we've mentioned this before. V. One of my
Speaker 4: tips for saving money when it comes to travel would
Speaker 4: be skipping on a calm a little bit, especially if
Speaker 4: you're somewhere where you're going to be outsight seeing all
Speaker 4: day and you're not going to be spending that much
Speaker 4: time at the accommodation, even though we might have big
Speaker 4: dreams of you know, scrolling Airbnb and like looking at
Speaker 4: all of the amazing places, but that can be a
Speaker 4: bit of a waste of money if you're not actually
Speaker 4: spending that much time.
Speaker 2: I could do you agree? Agree more? And I guess
Speaker 2: this is going to shock a lot of people. And
Speaker 2: I say it's going to shock a lot of people
Speaker 2: because I already know you're shocked, because you're in my
Speaker 2: DMS being like, what the hell of Victoria, Divine, we
Speaker 2: stayed in hostel when we got to London.
Speaker 5: I cannot believe that you stayed in a hostel. Why,
Speaker 5: because you're the boogiest woman I know.
Speaker 2: Yeah, I guess it did look a little bit dumb
Speaker 2: me walking in and I did have like an ic
Speaker 2: sandbag and I was like, hello, huge checking style, But
Speaker 2: it genuinely just made the most sense. Right, London is
Speaker 2: really expensive if like I could not believe when I
Speaker 2: was there, the cost of living, like, oh my gosh,
Speaker 2: coffees were costing us like fourteen dollars. Like everything there
Speaker 2: was double so like the exchange rate two pound is insane.
Speaker 2: At the moment, everything was expensive. So when we were
Speaker 2: doing our research to find out like where should we stay,
Speaker 2: what should we do? We looked at Airbnb, we looked
Speaker 2: at hotels, we looked at literally everything, and I was
Speaker 2: just like, this is insane. Like there were five of
Speaker 2: us to accommodate, which meant if we went with a hotel,
Speaker 2: we'd probably have to have a couple of rooms. So
Speaker 2: it was getting to become really expensive. And I ended
Speaker 2: up just going, hey, would you guys consider a hostel?
Speaker 2: And I think the girls thought I was joking because
Speaker 2: they were like, ha haha, yeah, no problem speed And
Speaker 2: then when I sent them the booking link, they were like,
Speaker 2: she is serious. But I think we ended up paying
Speaker 2: about twelve hundred dollars for five of us for like
Speaker 2: four nights in London, which is unheard of, Like that's
Speaker 2: so cheap. We stayed at just because I know I'm
Speaker 2: going to get asked. We stayed at Wombats, which is
Speaker 2: a hostel in London, but we booked a private room
Speaker 2: so we had bunk beds, which was a dream like
Speaker 2: a girls trip vibes. It felt like we're on school camp.
Speaker 2: But we had our own, very clean, very nice bathroom.
Speaker 2: It was all fine, a separate toilet like getting ready
Speaker 2: area up like it actually was the dream set up,
Speaker 2: and it just took a bit of research to make
Speaker 2: sure we weren't getting a dodgy hostel where it was
Speaker 2: like a fifty person share room and we didn't know
Speaker 2: who was there. We got this private room, six bunk beds,
Speaker 2: so there was a spare one in our room, but
Speaker 2: we wanted to book the whole room and not have
Speaker 2: randoms in our house. But it worked really well, very
Speaker 2: centrally located very close to a train station. You're right,
Speaker 2: we weren't there the whole time. So to us, London
Speaker 2: was the place where we really wanted to save on
Speaker 2: accommodation because it just no brainer. Yeah, because we were
Speaker 2: going out for dinner, everything was more expensive. We wanted
Speaker 2: to enjoy our time there, but then when we went
Speaker 2: further down into France, we were like, oh, we actually
Speaker 2: want to have a bit of a relaxing time. So
Speaker 2: we ended up booking an airbnb that was purely based
Speaker 2: on the fact that we'd want to hang out there.
Speaker 2: But I think it's all about how much time are
Speaker 2: you actually planning on space and would you consider a
Speaker 2: hostel because I know a lot of you are listening,
Speaker 2: going that doesn't sound very Victoria, But it's all about values.
Speaker 2: Like I just wanted to be safe, secure, I have
Speaker 2: a comfortable bed, make sure that I could get around
Speaker 2: and see things and enjoy my time there. And that
Speaker 2: enabled me to do that perfectly. Like was it the rits?
Speaker 2: Absolutely not. But did that mean that we could go
Speaker 2: afford to pay for drinks at the risk and have
Speaker 2: like the bougiest time ever while we're they're on food
Speaker 2: at beverage, Yes, because we did that too.
Speaker 5: Amazing.
Speaker 4: Yeah, little sacrifice and it goes a long way. The
Speaker 4: other thing I was going to say there, V is
Speaker 4: it's probably worth as well checking out the location of
Speaker 4: where you're staying. I'm sure that that hostel was es
Speaker 4: centrally located. They always seem to be. But if you're
Speaker 4: saving money because it's really far out of the city,
Speaker 4: but then you have to pay heapes for cats into town,
Speaker 4: then it's like worth weighing that up as well.
Speaker 2: Yeah, Like, I think the one thing that I really
Speaker 2: liked was in the UK and when we traveled. Public
Speaker 2: transport is so easy and it's actually my preference when
Speaker 2: I'm getting around. So if I'm overseas, I actually just
Speaker 2: want to experien it, like I want to go on
Speaker 2: the Metro. I want to see what it's like. I
Speaker 2: want to be in and about and around people. I
Speaker 2: don't actually want to just go from uber to uber
Speaker 2: to cab to cab because it just feels like I'm
Speaker 2: at home, right, So I know everybody is different there,
Speaker 2: but it was for us we wanted to be close
Speaker 2: to public transport. We actually were really close to London
Speaker 2: Tower Bridge. It was a non issue when it came
Speaker 2: to transport. But I would look at that too. Just
Speaker 2: because it's cheap doesn't mean it's actually a good money win.
Speaker 4: Yeah, exactly right. You just mentioned before v that the
Speaker 4: cost of living was insane over there. As we made yep,
Speaker 4: how did you save money when it comes to eating out?
Speaker 2: Okay, so one of my favor this entire episode is
Speaker 2: how stingy can Victoria Devine be Like, that's what it
Speaker 2: should be called. But I promise you I have really
Speaker 2: good holidays and I really enjoy it, and I actually
Speaker 2: much prefer this. But one of my other tips is,
Speaker 2: if you are staying in a hotel that has a
Speaker 2: mini bar, get it emptied. Not because I don't trust you,
Speaker 2: not because I'm like, oh my gosh, you'll eat the
Speaker 2: stuff in the minibar and it's expensive, That's not it,
Speaker 2: because they leave the fridge in there, and you can
Speaker 2: put stuff in the fridge. Yeah, so you can do breakfast.
Speaker 2: So often when I travel, especially if I travel with Steve,
Speaker 2: we go to a local supermarket when we arrive and
Speaker 2: we grab some breakfast stuff. We might grab some like
Speaker 2: croissants if we're in France or whatever it is, and
Speaker 2: we grab some cereal and some milk and some fruit
Speaker 2: and chuck that in the fridge and then we have
Speaker 2: breakfast before we leave. And I feel like that genuinely
Speaker 2: cuts the cost down. But you can try different things
Speaker 2: from different locations, like this is so lame. But we're
Speaker 2: going to the US later this year. I'm so excited
Speaker 2: to try the US cereals and like go to the
Speaker 2: supermarket like Lucky Charms. Yeah, I don't know what else
Speaker 2: do captain crunch or whatever it is, Like, I'm not
Speaker 2: here trying to be super healthy. I'm here going this
Speaker 2: is actually a really good way of saving money and
Speaker 2: maybe experiencing something else that the locals experience. I don't
Speaker 2: think we need to look at it as a sacrifice, like,
Speaker 2: oh my gosh, well, let's just get the things that
Speaker 2: you want to eat for breakfast. Like when we're in Paris,
Speaker 2: we got our own breakfast and had it at the airbnb,
Speaker 2: but we made it a thing like we got some
Speaker 2: juice and we drank the juicy in champagne glasses and
Speaker 2: had some croissants and stuff. And it was just a
Speaker 2: much more cost effective way to have breakfast for five
Speaker 2: adults but also enjoy the experience. And then we went
Speaker 2: out to a museum or did whatever we wanted to do,
Speaker 2: and it was just a very nice way to experience life.
Speaker 2: But it's also such a more chill way to like
Speaker 2: start the day, like, yes, so where are we going?
Speaker 2: What are we doing. I mean, don't get me wrong,
Speaker 2: we still went up for some breakfasts, but I think
Speaker 2: that's a really good idea. And the next is eating
Speaker 2: like a local, Like if you're overseas, it is very
Speaker 2: very likely that local dishes are going to be much
Speaker 2: cheaper than international cuisine. Like if you're trying to go
Speaker 2: over to Bali and then go to the Italian restaurant, like,
Speaker 2: that's not going to be the cheapest option for you.
Speaker 2: And because it's local, they're probably tastier and better made
Speaker 2: because they're the locals making local food, Like why wouldn't
Speaker 2: you want to do that? So I think it's important
Speaker 2: to have a look at that. Obviously well within your
Speaker 2: dietary restrictions and stuff like that. But then all so,
Speaker 2: looking for a place with a kitchen might be a
Speaker 2: good option. Some hotels actually have little kitchenettes, so check
Speaker 2: out what that is, because you could save some money
Speaker 2: even just cooking like one meal at home or where
Speaker 2: you're staying. Plus going to a market or supermarket, as
Speaker 2: I said before, super fun in another CAMERI like, am
Speaker 2: I the only one that goes come we go to
Speaker 2: a supermarket.
Speaker 5: Chemist's really fun.
Speaker 2: The chemists are really fun, Like, I want to see
Speaker 2: all the stuff you guys have, Like I'm just I'm crazy,
Speaker 2: but that's okay, I love it, but genuinely a kitchen,
Speaker 2: but also ask the hotel you're staying at what amenities
Speaker 2: they have. I know this again makes me sound like
Speaker 2: super stingy Victoria's saving tips like, I promise these are
Speaker 2: good tips though, great tips. The fridge great, you can
Speaker 2: have it emptied out, put your stuff in it. Do
Speaker 2: they have access to a microwave?
Speaker 1: Like?
Speaker 2: Can you have a microwave in your room? Very likely
Speaker 2: they actually have those on offer because people traveling with
Speaker 2: babies often ask for them to warm bottles up in
Speaker 2: the middle of the night, Like is that an option
Speaker 2: for you? Can you have a microwave in there? Bam,
Speaker 2: You've got a microwave and a fridge and you didn't
Speaker 2: even have to book a place with a kitchen. Two
Speaker 2: minute noodles come at me.
Speaker 5: Really exactly.
Speaker 2: It just depends on what your values are and what
Speaker 2: you're doing. But I'm the type of person who does
Speaker 2: get burnt out on a holiday. Sometimes I just don't
Speaker 2: want to go out for dinner. I don't want to
Speaker 2: go to a restaurant. I do want to eat easy
Speaker 2: mac in my bed and watch a movie and have
Speaker 2: a bit of a chill night, and that could be
Speaker 2: a really good way of building in a more cost
Speaker 2: effective day.
Speaker 4: Right, smart, some very clever tips in their v lord
Speaker 4: on the other side of the break, we're gonna hear
Speaker 4: more from you there, and also we're gonna chat through
Speaker 4: how we can sight see more economically, because that is
Speaker 4: something that they really pump up the tourism.
Speaker 2: Hop on, hop off to hop on, hop off tour.
Speaker 5: Don't go anywhere guys.
Speaker 4: Alrighty v let's jump straight back into it. I saw
Speaker 4: on your socials that you did a lot of sight
Speaker 4: seeing when you were abroad.
Speaker 5: We did.
Speaker 2: I feel like I tried to pack it in as
Speaker 2: much as possible.
Speaker 5: You got to when in Rome as they say, we
Speaker 5: were in France.
Speaker 2: Okay, thank you?
Speaker 5: How did you save money when it came to sightseeing?
Speaker 2: All right? So sightseeing I think is a fun one
Speaker 2: because it can be really expensive something that is pretty good.
Speaker 2: And this is just a good reat cheat tip because
Speaker 2: if you book one of those hop on, hop off tours,
Speaker 2: especially like around London or something, they'll often be like,
Speaker 2: oh you get twenty four or forty eight hours or
Speaker 2: whatever it is, hop on, hop off, But why don't
Speaker 2: you just use that as public transports so you like
Speaker 2: hop on at the location you want to hop on
Speaker 2: and then hop off at other locations and kind of
Speaker 2: use it for like the twenty four or forty eight
Speaker 2: hours you're in that location as public transport instead of
Speaker 2: doing the public transport thing in addition to then getting
Speaker 2: on a bus. Does that make sense?
Speaker 1: Yeah?
Speaker 2: Yeah, and I feel like that's really smart. But then
Speaker 2: another thing that I love doing when I get to
Speaker 2: new locations, and I always do the research beforehand because
Speaker 2: it is quite hard to book them in. But it's
Speaker 2: a walking tour. So often you have you've done a
Speaker 2: walking tour before, George King, I think so not for
Speaker 2: a lot to get very eclectic people doing walking to
Speaker 2: us leading them or in the leading them, leading them,
Speaker 2: And that's like my favorite part of it, because you
Speaker 2: get this eccentric local who's just so passionate about where
Speaker 2: they live that they want to take you on this
Speaker 2: walking tour of their town. And walking tours are usually
Speaker 2: like free. You just like usually tip the person or
Speaker 2: whatever it is, and I always tear it and make
Speaker 2: sure that I'm not, you know, taking advantage of the situation.
Speaker 2: But the type of person that does a free walking tour,
Speaker 2: I promise you is a very passionate individual who can
Speaker 2: tell you where the best pub is, where the best
Speaker 2: parmer is, where the best everything is, and all the
Speaker 2: hot tips of the location. And it's a good way
Speaker 2: to spend a few hours to meet people. And genuinely,
Speaker 2: the fact that they're usually free is a money win,
Speaker 2: and it's something that I usually do on the first
Speaker 2: day or the first night that I'm in a location,
Speaker 2: so I can be like, okay, cool, like let's do
Speaker 2: the walking tour. We hear, we've put our stuff in
Speaker 2: the hotel, let's go gee and we do a walking
Speaker 2: tour and then we feel like we have a bit
Speaker 2: more of a grounding of the location that we're in.
Speaker 2: I have quite literally done them in every country I
Speaker 2: have been to, except for London last time because the
Speaker 2: girls didn't want to do it because they.
Speaker 5: Suck rude from the girlies.
Speaker 2: Okay, that gives you a really good activity, but also
Speaker 2: the guide will usually have a lot of fun tips
Speaker 2: and tricks for the location you're in. Obviously, booking ahead
Speaker 2: is really important because if it's free, places are going
Speaker 2: to be limited. But trip Advisor, which again not sponsored,
Speaker 2: just a good website, usually has really good reviews of
Speaker 2: whether it's a good walking tour or not a good
Speaker 2: walking tour. And then the next morning I like to
Speaker 2: get up and find a local market and go for
Speaker 2: a walk through there because I promise they are so
Speaker 2: interesting when you're overseas the best.
Speaker 4: Just back on the food thing for a little bit,
Speaker 4: to go back to the snacks the key I know,
Speaker 4: as well as like stocking up at the supermarket and
Speaker 4: buying all the local choices, which.
Speaker 2: Is obviously a given if you're in France, like, definitely
Speaker 2: do it.
Speaker 5: Did you buy the brick cheese?
Speaker 2: Yeah, that's obviously the best trees and that's obviously the
Speaker 2: best cheese. I also don't eat cheese, but while I
Speaker 2: was in France, I did have a few sneaky slices
Speaker 2: which I shouldn't admit to, but like when in Rome, right.
Speaker 4: Not to rude, not to but I think a lot
Speaker 4: of people turn their noses up at street vendors, which
Speaker 4: won't necessarily be a thing in Europe, but if you're
Speaker 4: in somewhere like India or Balis so many people kind
Speaker 4: of scoff at that, and I'm like, I'm not wanting
Speaker 4: that into my body.
Speaker 2: Well, it's not about putting it into my body, like
Speaker 2: I want to eat this street.
Speaker 4: Fit exactly because that's often the best stuff.
Speaker 2: George, I have a sensitive little tummy. I don't want
Speaker 2: to spend the next week in my hotel room. I'm
Speaker 2: really scared.
Speaker 5: So absolutely your call if you're not comfortable with it.
Speaker 5: No comfortable, but.
Speaker 2: My body, my bow not So I'm here for it, though.
Speaker 2: What's you do?
Speaker 1: Well?
Speaker 4: I think it's like receiving recommendations from the local seeing
Speaker 4: where there's a lot of people heading and trusting that
Speaker 4: that food is going to be immaculate because it so
Speaker 4: often is true. There's a show somebody feed Feel It's incredible,
Speaker 4: and he goes to the best markets in different places
Speaker 4: all over the world and eats like the locals eat,
Speaker 4: and it's just it's a very cool, much more authentic,
Speaker 4: and much more affordable experience.
Speaker 5: So I really like that.
Speaker 2: And I also feel like there's a point on turnover, right,
Speaker 2: Like if there is a lot of sales going on,
Speaker 2: it's not like you're buying some sushi that has been
Speaker 2: sitting in the window for the last six hours and
Speaker 2: you're just a bit iffy on it, Like if they're
Speaker 2: consistently making like when I was in Thailand last time,
Speaker 2: like the pad tie that they give you. Did you
Speaker 2: get the pad tie in the bag? Like it's literally
Speaker 2: my favorite thing in the entire world. Like every time
Speaker 2: we were walking back from dinner to our hotel, I'd
Speaker 2: be like, yeah, I've got a stomach for a second dinner,
Speaker 2: Like this is genius because they like literally flip it
Speaker 2: up in front of you and it is some of
Speaker 2: the best pad tie I've had in my life. And
Speaker 2: then they serve it to you in a plastic bag
Speaker 2: with a little plastic fork. Questionable experience, but like the
Speaker 2: best food I've had. And I think like eighty bart
Speaker 2: or something ridiculously cheap, which is like lessen no dollar here,
Speaker 2: So I get it. I think it's really important. But
Speaker 2: also turnover, like I feel like waiting in a line
Speaker 2: in that situation is a good thing. It's like you
Speaker 2: had to wait. That is a outcome.
Speaker 4: Before we wrap the we're going to finish off with
Speaker 4: a couple of more random tips from you, which I'm
Speaker 4: excited for. Last little tip from me before I sign
Speaker 4: out is to use the free WiFi at Starbucks at all.
Speaker 4: That's a yes. That is a very good tip by itself.
Speaker 4: A little caramel frappuccino, you say their store for three hours?
Speaker 2: Yeah you look, you say that, but like in London,
Speaker 2: the caramel frappuccino fourteen dollars. Do you know what? Nah? No,
Speaker 2: But there's usually especially across Europe, there is usually free
Speaker 2: Wi Fi at a million different locations. And don't be
Speaker 2: shy if you're at a restaurant sitting down for a
Speaker 2: drink asking them if they do have Wi Fi, because
Speaker 2: it's going to save you money and also they're probably
Speaker 2: going to get another drink out of you anyway, because
Speaker 2: you like stuck scrolling through Instagram. Everybody wins, man, everybody wins.
Speaker 4: Any final tips to wrap it be Lord.
Speaker 2: Look, I feel like when we were scripting this episode
Speaker 2: and I was writing down all the hot tips that
Speaker 2: I had, I feel like I have lots of tips. Obviously,
Speaker 2: taking your own snacks is a very good idea. When
Speaker 2: I I have these protein bars that I take that
Speaker 2: I hide in the bottom of my handbag, so if
Speaker 2: I do get stuck, I'm not absolutely starving. I also
Speaker 2: really like having access to something that feels like home.
Speaker 2: So that's another tip from me. Laundromats if you haven't
Speaker 2: booked an airbnb that has a washing machine. So we
Speaker 2: booked an airbnb with a washing machine in Paris and
Speaker 2: it got the biggest workout of its life, five girls
Speaker 2: who all had washing to do. It was like a
Speaker 2: roster system. Money win, but use laundromats. Don't carry so
Speaker 2: much stuff. Ask miss jessic Riki how much fun it
Speaker 2: was pulling a very heavy suitcase over cobblestones, and she'll
Speaker 2: tell you that she wishes she'd pass. She did. Fucked
Speaker 2: she did. That's because she kept going shopping. You need
Speaker 2: out her. But we did have to send some packages home.
Speaker 2: I didn't, Jessica did. I helped though, But take a
Speaker 2: little clothes line. Do you nick As take some washing powder?
Speaker 2: I did. I say that as though you guys are
Speaker 2: going to be surprised. I don't think you should be
Speaker 2: surprised at anything from me anymore. The other one take
Speaker 2: a powerboard. Not a money saving tip, just a sanity,
Speaker 2: because I promise one, if you're traveling with other girls,
Speaker 2: they'll be like has anybody Gottenn adapter and I can
Speaker 2: be that absolute hero that goes I've got one type owerboard, babe,
Speaker 2: come right this way. And then, as I've said on
Speaker 2: our travel Insurance episode, drop box everything, have access to
Speaker 2: a digital copy of your passport, your credit cards, all
Speaker 2: of your travel documents, all of your travel itinerary, so
Speaker 2: that you are always safe and sound. And also don't
Speaker 2: feel pressured to book a holiday because all the Instagram
Speaker 2: influencers are booking a holiday, or your mate really wants
Speaker 2: you to go to Italy with them and you just
Speaker 2: can't afford it. Like there's something and I've said it
Speaker 2: a million times before, there is something so sexy about
Speaker 2: being like, hey, it's not in my budget, Like it's
Speaker 2: just not for me at this point in time, Like
Speaker 2: you may really really want to go, But I think
Speaker 2: that putting ourselves and future selves first is so important
Speaker 2: and as much as the experience, Let's be honest, the
Speaker 2: experience would be sick. But is that putting future you
Speaker 2: in the best possible position. And I guess I'm a
Speaker 2: little bit riled up. Well, my feathers are a little
Speaker 2: bit ruffled at the moment, because there's a TikTok trend
Speaker 2: at the moment. It's basically like, oh, I can make
Speaker 2: money back, but I can't always go to the South
Speaker 2: of France and you know, swim in the ocean or
Speaker 2: whatever it is. And as much as I totally agree
Speaker 2: with that, like there has to be some level of
Speaker 2: balance in life because it's not about the destination, it
Speaker 2: is about the journey as well, I also go, yeah,
Speaker 2: but like coming home to crippling debt that gives you
Speaker 2: anxiety and makes you more stressed than you were before
Speaker 2: the holiday, Like that's not worth it. And I think
Speaker 2: that just being really smart about your decisions isn't just
Speaker 2: about saying yes all the time. Oh my gosh, yes,
Speaker 2: I mean like I want to do that with my girlfriends.
Speaker 2: I get it, but like, let's negotiate these things so
Speaker 2: everyone could be in the best possible position.
Speaker 5: One hundred percent.
Speaker 4: Mute everyone that's in Europe. I would say, yeah, just
Speaker 4: block and block her, block her. It's hard when it's
Speaker 4: freezing in Australia at the moment.
Speaker 2: I'm blocked me now though to it.
Speaker 4: Alrighty, let's leave it there be remember guys, of the
Speaker 4: advice sheed and she's on the money is general in
Speaker 4: nature and does not consider your individual circumstances. She's on
Speaker 4: the Money exists purely for educational purposes and should not
Speaker 4: be relied upon to make an investment or a financial decision.
Speaker 4: And we promise Victoria divine and She's on the Money
Speaker 4: are authorized representatives of in Focused Securities Australia Proprietary Limited
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Speaker 2: See you on Friday, guys, Bye guys,