1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:08,600 Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: Kaka yah Ya, bin Ahaka nian Ar gay In, Nimbina, 4 00:00:11,960 --> 00:00:17,840 Speaker 1: yakarum jar dominyamiga Umagahawakawaman damon Imlan Wumba bang Gadabomba in 5 00:00:17,920 --> 00:00:22,439 Speaker 1: and now in wakah ghana on yakraum jar Watnadaa. Hello, 6 00:00:22,480 --> 00:00:25,920 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Aberiginal people's land that 8 00:00:29,120 --> 00:00:31,880 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,320 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:41,960 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,560 Speaker 1: knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:47,840 Speaker 2: She's on the Money. She's on the Money. 13 00:01:08,000 --> 00:01:10,759 Speaker 3: Hello and welcome to She's on the Money, the podcast 14 00:01:10,840 --> 00:01:13,200 Speaker 3: that's here to show you building wealth doesn't always have 15 00:01:13,360 --> 00:01:17,440 Speaker 3: to be about big, flashy money moves, because today we're 16 00:01:17,480 --> 00:01:20,760 Speaker 3: talking about the tiny habits that made a big difference, 17 00:01:21,200 --> 00:01:26,000 Speaker 3: the low effort, often relatively unglamorous things that quietly made 18 00:01:26,080 --> 00:01:29,280 Speaker 3: us a little bit Richer. I'm Victoria Devine and I'm 19 00:01:29,280 --> 00:01:31,920 Speaker 3: a retired financial advisor, and joining me is the woman 20 00:01:31,959 --> 00:01:35,280 Speaker 3: who lives and breathes clever money habits. 21 00:01:34,920 --> 00:01:36,160 Speaker 2: Miss Jessica Ricci. 22 00:01:36,360 --> 00:01:36,600 Speaker 1: Hello. 23 00:01:37,440 --> 00:01:40,760 Speaker 3: The inspiration for this episode actually came from a brilliant 24 00:01:40,800 --> 00:01:43,040 Speaker 3: thread in our Facebook group, which, by the way, Loki, 25 00:01:43,120 --> 00:01:43,760 Speaker 3: I'm obsessed with. 26 00:01:44,440 --> 00:01:46,120 Speaker 2: Did you see the person who posted a picture of 27 00:01:46,160 --> 00:01:47,240 Speaker 2: their pet duck the other day? 28 00:01:47,480 --> 00:01:48,600 Speaker 4: Oh my god, I love it. 29 00:01:48,920 --> 00:01:52,520 Speaker 2: I have gone down an absolute rabbit hole. Like first 30 00:01:52,960 --> 00:01:53,400 Speaker 2: it was you. 31 00:01:54,000 --> 00:01:56,640 Speaker 3: You mentioned that you were going to get a porch goose, 32 00:01:57,080 --> 00:01:58,920 Speaker 3: and I was like, what's a porch goose? So I'm 33 00:01:58,960 --> 00:02:01,840 Speaker 3: starting to look come on, totok and on Instagram porch 34 00:02:01,960 --> 00:02:04,800 Speaker 3: goose for those of you playing along, it's a large 35 00:02:04,880 --> 00:02:06,400 Speaker 3: sized plastic duck that. 36 00:02:06,480 --> 00:02:08,720 Speaker 2: You have on your porch and you decorate it for 37 00:02:08,840 --> 00:02:11,600 Speaker 2: different events. T's it up. I'm here for it. But 38 00:02:11,720 --> 00:02:12,600 Speaker 2: by looking up. 39 00:02:12,560 --> 00:02:16,440 Speaker 3: Porch gooses, I also started having duck videos turn up 40 00:02:16,480 --> 00:02:19,120 Speaker 3: on my feed. And now my son, Harvey, he and 41 00:02:19,200 --> 00:02:22,200 Speaker 3: I are banding together and we're trying to convince my husband. 42 00:02:22,080 --> 00:02:23,680 Speaker 2: That we need a pet duck. 43 00:02:23,960 --> 00:02:25,200 Speaker 4: I completely I think you do. 44 00:02:25,360 --> 00:02:28,720 Speaker 3: And then somebody posted their pet duck as pet tax 45 00:02:28,760 --> 00:02:31,280 Speaker 3: the other day and I was like, you are my people. 46 00:02:31,880 --> 00:02:35,239 Speaker 2: Their pet duck, by the way, was named Marshmallow, so cute. 47 00:02:35,360 --> 00:02:35,760 Speaker 4: Stop it. 48 00:02:35,960 --> 00:02:38,360 Speaker 2: But if you're not in our community, what the heck 49 00:02:38,520 --> 00:02:38,919 Speaker 2: you doing? 50 00:02:39,000 --> 00:02:41,520 Speaker 3: There's lots of free money tips and tricks that our 51 00:02:41,560 --> 00:02:45,240 Speaker 3: community shares every single day, free judgment and also sorry 52 00:02:45,880 --> 00:02:48,960 Speaker 3: pet ducks, Like what what could you want? I can't 53 00:02:49,120 --> 00:02:52,480 Speaker 3: offer you anything more. And get this, Jess, we now 54 00:02:52,600 --> 00:02:55,560 Speaker 3: have more than three hundred thousand. She's on the money 55 00:02:55,600 --> 00:02:58,519 Speaker 3: besties waiting for you. The thread that I was talking 56 00:02:58,560 --> 00:03:01,840 Speaker 3: about before I started talking about gee Ducks, that thread 57 00:03:02,000 --> 00:03:04,480 Speaker 3: was about small money habits that have made a really 58 00:03:04,520 --> 00:03:07,079 Speaker 3: big difference. And I would say that there were some 59 00:03:07,240 --> 00:03:09,480 Speaker 3: seriously smart tips and tricks that you and I didn't 60 00:03:09,480 --> 00:03:12,000 Speaker 3: even think of you there. But Jess, before we get 61 00:03:12,000 --> 00:03:14,200 Speaker 3: into the community tips and tricks, I want to know 62 00:03:14,960 --> 00:03:17,200 Speaker 3: what are the little money things that you've done. 63 00:03:17,160 --> 00:03:19,040 Speaker 2: That have made a really big difference. 64 00:03:19,120 --> 00:03:20,839 Speaker 4: I don't want to sound like a broken record because 65 00:03:20,840 --> 00:03:22,560 Speaker 4: I feel like I've said this every episode. 66 00:03:22,600 --> 00:03:25,160 Speaker 2: For me again, it needs to be reiterated. 67 00:03:25,440 --> 00:03:29,360 Speaker 4: The circular economy people, if you've got things, make them 68 00:03:29,440 --> 00:03:32,320 Speaker 4: work hard, rent out your nice dresses. If you have 69 00:03:32,480 --> 00:03:35,000 Speaker 4: nice dresses, or if you have tools, rent out your 70 00:03:35,120 --> 00:03:37,840 Speaker 4: tools if you are you know, one in and one out. 71 00:03:37,880 --> 00:03:40,000 Speaker 4: If I want to buy something new, I'm financing that 72 00:03:40,120 --> 00:03:43,640 Speaker 4: by selling old things. People have over five hundred dollars 73 00:03:43,760 --> 00:03:47,360 Speaker 4: unused stuff, like the average in your household correct, So 74 00:03:47,520 --> 00:03:49,920 Speaker 4: like let's get that working. Like make sure that if 75 00:03:49,960 --> 00:03:52,720 Speaker 4: you're bringing things in as much as possible, you're financing 76 00:03:52,760 --> 00:03:55,720 Speaker 4: them by sending things out. It also helps to reduce 77 00:03:55,760 --> 00:03:58,720 Speaker 4: your over consumption. It's safe you space. I won't harp 78 00:03:58,800 --> 00:04:01,560 Speaker 4: on because I've spoken about it so often, but genuinely, 79 00:04:02,000 --> 00:04:04,880 Speaker 4: the circular economy is where at that. I would also say, 80 00:04:05,200 --> 00:04:07,640 Speaker 4: you know, cross check fees of your providers annually. I 81 00:04:07,720 --> 00:04:09,360 Speaker 4: know that that's another one that we recommend a lot, 82 00:04:09,520 --> 00:04:12,360 Speaker 4: but having a reminder in your calendar. I just changed 83 00:04:12,800 --> 00:04:15,800 Speaker 4: our electricity provider, which is not something you'd maybe think about. 84 00:04:15,840 --> 00:04:18,520 Speaker 2: But there's kind of boring, low key, but like also. 85 00:04:18,480 --> 00:04:20,479 Speaker 4: We're gonna say over twelve hundred dollars a year, yeah, 86 00:04:20,480 --> 00:04:22,520 Speaker 4: which is a big lot of money. And you can 87 00:04:22,680 --> 00:04:26,680 Speaker 4: use government websites to compare different things or other compare websites. 88 00:04:26,800 --> 00:04:29,159 Speaker 4: Just be conscious of which ones you're using because sometimes 89 00:04:29,200 --> 00:04:30,720 Speaker 4: you can be paid to be ranked higher. 90 00:04:31,480 --> 00:04:34,280 Speaker 3: But we're not going for companies that are marketing more, 91 00:04:34,400 --> 00:04:35,800 Speaker 3: just the government based ones. 92 00:04:36,000 --> 00:04:38,520 Speaker 4: Yeah, but doing research seeing where you can save money 93 00:04:38,560 --> 00:04:42,040 Speaker 4: on those fees really can add up. One little unhindural 94 00:04:42,080 --> 00:04:45,280 Speaker 4: that I have for myself for takeout is I really 95 00:04:45,839 --> 00:04:48,000 Speaker 4: tried not to order any Bruts. If I want takeaway 96 00:04:48,000 --> 00:04:49,320 Speaker 4: and I go, oh, great, like I can get to 97 00:04:49,360 --> 00:04:52,240 Speaker 4: New Breots and I can have pizza here in twenty minutes. 98 00:04:53,120 --> 00:04:55,200 Speaker 4: Can't order New Breats, I've got to go pick it up. 99 00:04:55,320 --> 00:04:57,840 Speaker 2: Nope, nope, sorry, that tips not for me. But there's 100 00:04:57,839 --> 00:04:58,240 Speaker 2: two reasons. 101 00:04:58,480 --> 00:05:00,600 Speaker 3: Half the benefit of the pizzas that's someone's bringing it 102 00:05:00,680 --> 00:05:02,400 Speaker 3: to me. But I don't have to put shoes on. 103 00:05:02,520 --> 00:05:05,480 Speaker 4: I mean, maybe look into getting it delivered direct from 104 00:05:05,480 --> 00:05:07,920 Speaker 4: the company. But firstly, Uber Eats adds on, like the 105 00:05:08,040 --> 00:05:10,279 Speaker 4: passes are higher, you pay the search arge the delivery. 106 00:05:10,279 --> 00:05:12,200 Speaker 2: I didn't say you weren't smarter than me. 107 00:05:12,480 --> 00:05:12,880 Speaker 5: You are. 108 00:05:13,279 --> 00:05:14,520 Speaker 2: I am lazier than you. 109 00:05:15,480 --> 00:05:17,440 Speaker 4: The other thing is a lot of the time I'll go, ah, 110 00:05:17,800 --> 00:05:19,719 Speaker 4: I can't be bothered going out to get the pizza. 111 00:05:19,880 --> 00:05:21,960 Speaker 4: I guess I'll just make something at home, and so 112 00:05:22,040 --> 00:05:23,960 Speaker 4: I end up not buying the pizza anyway. 113 00:05:23,760 --> 00:05:26,240 Speaker 3: Yeah, we're having toast, and do you know what toast 114 00:05:26,320 --> 00:05:28,919 Speaker 3: is sometimes a very logical dinner. 115 00:05:29,200 --> 00:05:32,080 Speaker 2: I think girl dinner is totally acceptable, one hundred percent. 116 00:05:32,560 --> 00:05:34,280 Speaker 4: But those are a couple of little ones that I have. 117 00:05:34,520 --> 00:05:36,000 Speaker 4: I feel like you maybe have a couple of your 118 00:05:36,040 --> 00:05:38,680 Speaker 4: own unhinged hacks when. 119 00:05:38,600 --> 00:05:42,200 Speaker 3: My husband's not home, Like there's no Uber Eats, so 120 00:05:42,400 --> 00:05:44,880 Speaker 3: like I can't order takeout if I'm just ordering it 121 00:05:45,040 --> 00:05:47,800 Speaker 3: for myself, because like I feel like that adds up. 122 00:05:47,880 --> 00:05:50,479 Speaker 3: And as we said before, I'm literally happy to eat 123 00:05:50,600 --> 00:05:53,440 Speaker 3: whatever's in the fridge. Like girl dinner could be some 124 00:05:53,640 --> 00:05:56,440 Speaker 3: leftover uce, it could be an egg, it could be toast. 125 00:05:56,720 --> 00:05:58,920 Speaker 3: The other day my husband was out and I had 126 00:05:59,000 --> 00:06:00,800 Speaker 3: nutral grain for dinner, and you know what, I did 127 00:06:00,839 --> 00:06:03,720 Speaker 3: the job. But I'm ten out of ten on board 128 00:06:03,760 --> 00:06:06,960 Speaker 3: with that. The one thing that I would say has 129 00:06:07,200 --> 00:06:10,280 Speaker 3: like a small thing quote that has changed my money 130 00:06:10,320 --> 00:06:13,320 Speaker 3: habits is just I automate everything, and yes, it's in 131 00:06:13,400 --> 00:06:16,080 Speaker 3: my budget already and I track it that way. But like, 132 00:06:16,200 --> 00:06:18,760 Speaker 3: if I've decided that I'm saving for Christmas, So if 133 00:06:18,800 --> 00:06:21,960 Speaker 3: I've decided that I'm saving for a holiday, Like I 134 00:06:22,960 --> 00:06:25,920 Speaker 3: work backwards, so you know, I went to Bali recently 135 00:06:26,240 --> 00:06:29,480 Speaker 3: and I wanted some extra spending money, and like I 136 00:06:29,560 --> 00:06:31,480 Speaker 3: knew that we're going for months because we're going for 137 00:06:31,600 --> 00:06:34,040 Speaker 3: a wedding. So like when you in advance, I actually 138 00:06:34,200 --> 00:06:37,839 Speaker 3: just automated a transfer and you can like set timers 139 00:06:37,880 --> 00:06:39,480 Speaker 3: on it, so you don't even have to go in 140 00:06:39,600 --> 00:06:42,400 Speaker 3: and cancel your timer or like your transfer. You can 141 00:06:42,480 --> 00:06:45,120 Speaker 3: just be like, okay, for the next ten months, transfer 142 00:06:45,279 --> 00:06:47,880 Speaker 3: fifty dollars to this account every week or every month 143 00:06:47,960 --> 00:06:52,000 Speaker 3: or whatever. And like for me, just having money allocated 144 00:06:52,080 --> 00:06:54,799 Speaker 3: for a specific purpose makes me feel really in control. 145 00:06:55,360 --> 00:06:57,120 Speaker 2: I think it's pretty common knowledge. 146 00:06:56,839 --> 00:06:58,920 Speaker 3: That I have ADHD and I feel like if it 147 00:06:59,000 --> 00:07:00,640 Speaker 3: goes in one ear, it's kind out the other and 148 00:07:00,720 --> 00:07:02,040 Speaker 3: I'll just forget to do stuff. 149 00:07:02,480 --> 00:07:05,000 Speaker 2: Automating bills has been really powerful for me. 150 00:07:05,240 --> 00:07:10,280 Speaker 3: So on our electricity, it's never consistent, right, So what 151 00:07:10,400 --> 00:07:13,120 Speaker 3: I did is work out what our annual amount was, 152 00:07:13,280 --> 00:07:16,640 Speaker 3: divide it by the amount of months, so twelve, and 153 00:07:16,880 --> 00:07:19,120 Speaker 3: then I just automatic transfer. 154 00:07:19,760 --> 00:07:22,320 Speaker 2: I think it's like ten dollars more than what we 155 00:07:22,480 --> 00:07:23,280 Speaker 2: think it's going to be. 156 00:07:23,720 --> 00:07:25,280 Speaker 3: And then at the end of the year, like we 157 00:07:25,400 --> 00:07:27,360 Speaker 3: do our audit, because, as you guys know, we do 158 00:07:27,440 --> 00:07:30,640 Speaker 3: an annual audit of all of our finances as everyone should, 159 00:07:30,840 --> 00:07:33,880 Speaker 3: I believe, and we might find out that we're actually 160 00:07:34,040 --> 00:07:37,120 Speaker 3: like fifty dollars or something in credit to our gas 161 00:07:37,200 --> 00:07:39,480 Speaker 3: or electricity company, and that means. 162 00:07:39,280 --> 00:07:41,840 Speaker 2: That I feel really in control. But I also didn't 163 00:07:41,880 --> 00:07:44,520 Speaker 2: ever have to go and pay bill. Sorry, I'm lazy. 164 00:07:44,600 --> 00:07:46,800 Speaker 3: I'm going to make it as easy as possible for me, 165 00:07:47,280 --> 00:07:50,600 Speaker 3: so that works, and where possible, I'm trying to make 166 00:07:50,640 --> 00:07:53,040 Speaker 3: sure that I just have some like back up lazy 167 00:07:53,080 --> 00:07:56,960 Speaker 3: meals in the freezer in saying that nutri grain worked too. 168 00:07:57,360 --> 00:07:59,120 Speaker 3: Don't go and get a meal that you're like, Oh, 169 00:07:59,280 --> 00:08:01,360 Speaker 3: put that in the free is my backup. Go you're 170 00:08:01,400 --> 00:08:04,720 Speaker 3: gonna get pizza. Put something in the freezer that you're like, Oh, 171 00:08:05,080 --> 00:08:07,880 Speaker 3: if I wanted to get takeaway this muscle and curry, 172 00:08:08,320 --> 00:08:09,480 Speaker 3: I would happily eat. 173 00:08:09,920 --> 00:08:12,760 Speaker 4: Yeah, as a good little alternative. Well, on the Facebook thread, 174 00:08:12,840 --> 00:08:16,760 Speaker 4: Amara has taken your lazy meal concept and turbocharge because 175 00:08:16,920 --> 00:08:20,520 Speaker 4: like I'm boring, she said, I've put a list of 176 00:08:20,680 --> 00:08:23,720 Speaker 4: twenty plus meals on the fridge and I'm not allowed 177 00:08:23,760 --> 00:08:27,520 Speaker 4: to eat takeout until absolutely every option has been used up, 178 00:08:27,680 --> 00:08:30,880 Speaker 4: and that's really working. Excuse me, genius. I know she 179 00:08:30,960 --> 00:08:32,920 Speaker 4: had a lot of options can be made multiple times 180 00:08:33,000 --> 00:08:36,440 Speaker 4: due to how easy and low cost to the ingredients are. 181 00:08:36,600 --> 00:08:38,319 Speaker 3: And I feel like if you can make up a 182 00:08:38,400 --> 00:08:41,839 Speaker 3: few meals from just like pantry staples or items, you 183 00:08:41,880 --> 00:08:44,120 Speaker 3: can make sure that you've always got like a can 184 00:08:44,240 --> 00:08:47,160 Speaker 3: of tomatoes on your grocery list if you go out 185 00:08:47,240 --> 00:08:50,360 Speaker 3: and like, I'm sorry, tomato pasta Elite. 186 00:08:50,600 --> 00:08:51,120 Speaker 2: Bring back the. 187 00:08:51,160 --> 00:08:53,599 Speaker 4: Recipe book, I say. I remember my mum had like 188 00:08:53,760 --> 00:08:56,280 Speaker 4: a It was just a paper book where she'd put 189 00:08:56,960 --> 00:08:59,400 Speaker 4: recipes that she cut out of magazines and stuff in 190 00:08:59,480 --> 00:09:02,040 Speaker 4: the day. Obviously we can modernize that and you can 191 00:09:02,080 --> 00:09:03,719 Speaker 4: save them on a computer or have a photo organ 192 00:09:03,840 --> 00:09:06,160 Speaker 4: Now I want the book. I save my Molly Spoon 193 00:09:06,280 --> 00:09:07,840 Speaker 4: recipes and if. 194 00:09:07,760 --> 00:09:09,920 Speaker 2: They're good, I've got a draw in my kitchen and 195 00:09:09,960 --> 00:09:10,880 Speaker 2: I put the good ones in there. 196 00:09:11,000 --> 00:09:11,200 Speaker 3: Yeah. 197 00:09:11,200 --> 00:09:13,720 Speaker 4: I have like one of those binders with the clear 198 00:09:13,760 --> 00:09:15,160 Speaker 4: plastic and I just slide them into that. 199 00:09:15,400 --> 00:09:17,800 Speaker 3: That's more organized than me maintain a pile in the 200 00:09:17,840 --> 00:09:19,920 Speaker 3: bottom drawer with everything else in the batteries. 201 00:09:20,040 --> 00:09:21,880 Speaker 4: But I feel like Amaya is on it like half 202 00:09:21,960 --> 00:09:24,120 Speaker 4: the time. Not wanting to cook. I feel the decision fatigue. 203 00:09:24,160 --> 00:09:26,120 Speaker 4: So if you've got the ingredients, you've got the recipes 204 00:09:26,160 --> 00:09:28,120 Speaker 4: that you like, I feel like that's a little bit 205 00:09:28,160 --> 00:09:28,679 Speaker 4: of a money win. 206 00:09:28,840 --> 00:09:31,040 Speaker 3: I do low key feel like that's really smart and 207 00:09:31,280 --> 00:09:34,719 Speaker 3: just having quick meals. Also on our website, I've said 208 00:09:34,760 --> 00:09:37,320 Speaker 3: this time and time again. We worked with ten dollar 209 00:09:37,360 --> 00:09:40,560 Speaker 3: meals with Chelsea and she is an angel. But there's 210 00:09:40,559 --> 00:09:43,319 Speaker 3: a free ebook on our website, so you could meal 211 00:09:43,360 --> 00:09:45,600 Speaker 3: prep a couple of those, chuck them in the freezer. Sorry, 212 00:09:46,080 --> 00:09:47,439 Speaker 3: ten dollar meals. 213 00:09:47,200 --> 00:09:51,520 Speaker 2: That serve four people, that's insanity. Money win, all right, 214 00:09:51,640 --> 00:09:53,320 Speaker 2: I think it's time we take a really quick break. 215 00:09:53,360 --> 00:09:55,840 Speaker 3: But guys don't go anywhere, because after this we're going 216 00:09:55,880 --> 00:09:58,560 Speaker 3: to dive into even more clever habits from our community. 217 00:09:58,880 --> 00:10:01,280 Speaker 3: Some of these tips, I would say they are relatively simple, 218 00:10:01,800 --> 00:10:04,959 Speaker 3: but the impact is going to be long lasting, So 219 00:10:05,080 --> 00:10:11,280 Speaker 3: guys don't go anywhere. All right, Jess, we are back, 220 00:10:11,320 --> 00:10:12,559 Speaker 3: and I feel like we're going to dive into the 221 00:10:12,640 --> 00:10:15,360 Speaker 3: juiciest stuff. It's the small habits that can have a 222 00:10:15,400 --> 00:10:18,400 Speaker 3: big impact on your finances. And I don't like to 223 00:10:18,440 --> 00:10:22,280 Speaker 3: pay favorites, but as an ex financial advisor, this first 224 00:10:22,360 --> 00:10:26,200 Speaker 3: one I think might be a favorite, so Kate said, 225 00:10:26,640 --> 00:10:28,559 Speaker 3: and get this, like you're going to see lights in 226 00:10:28,640 --> 00:10:32,080 Speaker 3: my favorite. I've been salary sacrificing a very small amount 227 00:10:32,080 --> 00:10:35,160 Speaker 3: to super from the age of twenty one, despite three 228 00:10:35,280 --> 00:10:38,880 Speaker 3: point five years of maternity leave and over a decade 229 00:10:38,920 --> 00:10:42,000 Speaker 3: of working part time. I have a superbalance that's higher 230 00:10:42,080 --> 00:10:46,319 Speaker 3: than my partners, who earns now almost four times my salary. 231 00:10:46,520 --> 00:10:49,480 Speaker 4: Oh my god, that's amazing. What the heck, that's crazy. 232 00:10:49,640 --> 00:10:51,839 Speaker 3: All things that make a big difference, Like if you're 233 00:10:51,880 --> 00:10:54,199 Speaker 3: listening to this and you're a baby, so like I 234 00:10:54,360 --> 00:10:56,559 Speaker 3: consider anybody under the age of thirty. 235 00:10:56,360 --> 00:10:57,079 Speaker 2: To be a baby. 236 00:10:57,360 --> 00:10:59,280 Speaker 4: I just had a picture of like a literal child 237 00:10:59,360 --> 00:11:00,959 Speaker 4: with headphones off like a fetus. 238 00:11:01,600 --> 00:11:02,120 Speaker 2: I'm sorry. 239 00:11:02,360 --> 00:11:05,800 Speaker 3: I don't repost these because, like I think everybody knows, 240 00:11:05,840 --> 00:11:08,559 Speaker 3: I don't like putting kids on my stories or sharing them. 241 00:11:08,760 --> 00:11:10,520 Speaker 2: Not because I don't love your kid videos. 242 00:11:10,559 --> 00:11:13,400 Speaker 3: Please continue to send them because they are so soul nourishing, 243 00:11:13,840 --> 00:11:16,719 Speaker 3: But the amount of people that send me videos. 244 00:11:16,400 --> 00:11:20,320 Speaker 2: Of their little kids going, sheeez on the fine, she's 245 00:11:20,360 --> 00:11:20,920 Speaker 2: on the money. 246 00:11:21,960 --> 00:11:25,600 Speaker 3: Ah, I love it, Like, can you imagine the impact 247 00:11:25,720 --> 00:11:28,439 Speaker 3: that we're gonna have justs in like fifteen years when 248 00:11:28,480 --> 00:11:32,600 Speaker 3: these little kids have just like subconsciously been absorbing finance 249 00:11:32,760 --> 00:11:33,680 Speaker 3: content in the cars. 250 00:11:34,600 --> 00:11:37,440 Speaker 2: I don't mean those babies. I love them arguably a lot. 251 00:11:37,960 --> 00:11:40,400 Speaker 3: But if you're under the age of thirty and you 252 00:11:40,600 --> 00:11:43,280 Speaker 3: have a few extra dollars, why not put it towards 253 00:11:43,360 --> 00:11:47,080 Speaker 3: future you? And then this is another one. Eleanor said 254 00:11:47,240 --> 00:11:50,280 Speaker 3: she did this too. Between the ages of nineteen and 255 00:11:50,360 --> 00:11:53,120 Speaker 3: twenty three. She was putting an extra thirty five dollars 256 00:11:53,240 --> 00:11:55,520 Speaker 3: a week into her SUPER and now she has more 257 00:11:55,559 --> 00:11:57,360 Speaker 3: than double what is normal for her age. 258 00:11:57,679 --> 00:12:00,480 Speaker 4: It's insane to hear, like how signals thick and the 259 00:12:00,600 --> 00:12:03,120 Speaker 4: impacts can be with the power of compounding interest. 260 00:12:03,360 --> 00:12:05,120 Speaker 2: Yeap from little things, big things grow. 261 00:12:05,240 --> 00:12:07,600 Speaker 3: It's like, sorry, yes, I know that some of us 262 00:12:07,679 --> 00:12:10,000 Speaker 3: can't afford thirty five dollars, but if you can, that 263 00:12:10,120 --> 00:12:11,200 Speaker 3: could be life changing. 264 00:12:11,360 --> 00:12:13,400 Speaker 4: Yeah even five dollars ten dollars. 265 00:12:13,480 --> 00:12:17,160 Speaker 3: From my perspective and also just logically, super is one 266 00:12:17,200 --> 00:12:19,760 Speaker 3: of the most powerful tools jes that you've got where 267 00:12:20,000 --> 00:12:23,199 Speaker 3: small changes can make a really big difference, things like 268 00:12:23,559 --> 00:12:27,400 Speaker 3: picking the right risk profile for you, consolidating multiple accounts, 269 00:12:27,480 --> 00:12:30,120 Speaker 3: or even just checking your fees. It doesn't cost you anything, 270 00:12:30,440 --> 00:12:33,120 Speaker 3: but they can seriously boost your balance over time. I 271 00:12:33,160 --> 00:12:35,120 Speaker 3: would say it's one of the easiest ways to set 272 00:12:35,240 --> 00:12:36,600 Speaker 3: future you up for success. 273 00:12:37,400 --> 00:12:39,640 Speaker 4: Such a good one. I have a little hack from 274 00:12:39,760 --> 00:12:43,640 Speaker 4: Katie who said she pays everything weekly. She's got a 275 00:12:43,679 --> 00:12:47,959 Speaker 4: spreadsheet of everything from council bills to insurances, and she 276 00:12:48,200 --> 00:12:51,080 Speaker 4: calculates what the weekly amount would be and then either 277 00:12:51,480 --> 00:12:53,480 Speaker 4: puts it in the account that it gets drawn from 278 00:12:53,559 --> 00:12:56,599 Speaker 4: if it's a direct debit, or she will send the 279 00:12:56,679 --> 00:12:57,360 Speaker 4: weekly amount. 280 00:12:57,440 --> 00:12:58,880 Speaker 2: Yeah, and you can like automate that. 281 00:12:59,360 --> 00:13:02,079 Speaker 3: So like, because I'm the queen of being lazy, Like 282 00:13:02,559 --> 00:13:06,240 Speaker 3: I cannot imagine anything worse than having to every single 283 00:13:06,280 --> 00:13:08,920 Speaker 3: week go in and pay my bills. Not gonna lie, 284 00:13:09,120 --> 00:13:12,120 Speaker 3: that's just not my journey. But as I told you earlier, 285 00:13:12,280 --> 00:13:15,520 Speaker 3: like I have it transferring every week. So like I 286 00:13:15,640 --> 00:13:18,199 Speaker 3: go in and I set it up once and like 287 00:13:18,360 --> 00:13:20,560 Speaker 3: you might go, okay, cool, I'll just have this end 288 00:13:20,760 --> 00:13:22,839 Speaker 3: at the end of the year. Or you can go 289 00:13:22,960 --> 00:13:24,959 Speaker 3: in and change any of your direct debits or like 290 00:13:25,320 --> 00:13:29,560 Speaker 3: quick transfers, but like, sorry, that's genius. We also had 291 00:13:29,600 --> 00:13:33,080 Speaker 3: a few people say that using cash or buying gift 292 00:13:33,120 --> 00:13:36,080 Speaker 3: cards on sale for future use has been helping their budget. 293 00:13:36,200 --> 00:13:38,160 Speaker 4: Yes, the gift cards is a good one because you 294 00:13:38,200 --> 00:13:40,920 Speaker 4: can often get through Coals. Coals Willies both do it 295 00:13:41,040 --> 00:13:44,640 Speaker 4: YEA their respective points earning platforms, but they'll often do 296 00:13:44,880 --> 00:13:47,760 Speaker 4: twenty times points on gift cards. It's so smart, and 297 00:13:47,800 --> 00:13:49,680 Speaker 4: I've seen a lot of people say, well, I'll buy 298 00:13:49,840 --> 00:13:53,040 Speaker 4: like a five hundred dollars Coals gift card twenty times 299 00:13:53,120 --> 00:13:54,280 Speaker 4: points on five hundred dollars. 300 00:13:55,000 --> 00:13:58,600 Speaker 3: I'm gonna spend five hundred dollars this month on Grey Points. 301 00:13:58,679 --> 00:13:59,040 Speaker 3: Is that right? 302 00:13:59,200 --> 00:13:59,320 Speaker 1: Yes? 303 00:13:59,600 --> 00:14:01,000 Speaker 2: I was good Mas girl. 304 00:14:01,160 --> 00:14:03,160 Speaker 4: Thank you. I'm really trying. Did you eat? 305 00:14:03,280 --> 00:14:03,319 Speaker 5: Like? 306 00:14:03,360 --> 00:14:04,880 Speaker 4: If you're going to spend it anyway, you can get 307 00:14:04,960 --> 00:14:07,400 Speaker 4: grocery gift cards, Uber Eats gift cards. If you ask 308 00:14:07,440 --> 00:14:09,960 Speaker 4: some one who does the occasional cheeky order gift cards 309 00:14:10,120 --> 00:14:11,719 Speaker 4: like the Good Guys and stuff like that calls my 310 00:14:11,880 --> 00:14:14,200 Speaker 4: gift cards to give us gifts, stuck up on them. 311 00:14:14,320 --> 00:14:15,959 Speaker 4: Get the points. You might as well then use the 312 00:14:16,000 --> 00:14:17,600 Speaker 4: points to buy your groceries or. 313 00:14:17,760 --> 00:14:20,640 Speaker 3: Use the points come Christmas time and it'll feel like 314 00:14:20,800 --> 00:14:21,880 Speaker 3: you've saved. 315 00:14:21,640 --> 00:14:23,480 Speaker 2: For Christmas money win. 316 00:14:24,080 --> 00:14:28,280 Speaker 3: Also on that, whenever I talk about credit cards and points, 317 00:14:29,000 --> 00:14:31,200 Speaker 3: I want to be really clear you don't have to 318 00:14:31,240 --> 00:14:33,840 Speaker 3: have a credit card to accrue points. No, you can 319 00:14:33,960 --> 00:14:37,400 Speaker 3: do flybys, you could do whatever the woolies rewards. You 320 00:14:37,440 --> 00:14:40,440 Speaker 3: can do so many different points systems without a credit card. Like, 321 00:14:40,520 --> 00:14:42,600 Speaker 3: we're not here going get a credit card. It's great 322 00:14:42,600 --> 00:14:45,560 Speaker 3: for everyone because past me could not be trusted with 323 00:14:45,640 --> 00:14:48,160 Speaker 3: a credit card. In fact, when I got one, I 324 00:14:48,240 --> 00:14:51,200 Speaker 3: got in a whole heap of personal debt fail like 325 00:14:51,400 --> 00:14:54,560 Speaker 3: not very good. But now I have a credit card 326 00:14:54,760 --> 00:14:57,480 Speaker 3: and my husband and I use it responsibly for points. 327 00:14:58,120 --> 00:15:01,640 Speaker 3: Whenever we're thinking about like changing credit cards, which you know, 328 00:15:02,040 --> 00:15:04,040 Speaker 3: the credit card companies aren't going to want to hear 329 00:15:04,080 --> 00:15:08,080 Speaker 3: this jest, but every single time they're like, period comes up, 330 00:15:08,200 --> 00:15:10,640 Speaker 3: so like you might need to have that credit card 331 00:15:10,720 --> 00:15:13,400 Speaker 3: for two years to lock in your like bonus points 332 00:15:13,440 --> 00:15:16,600 Speaker 3: at the start. Sorry, I'm moving credit cards because I 333 00:15:16,800 --> 00:15:20,440 Speaker 3: want my additional one hundred thousand dollars sign up bonus. Yeah, 334 00:15:20,720 --> 00:15:23,120 Speaker 3: and I'm using the points hacking website to work out 335 00:15:23,160 --> 00:15:25,280 Speaker 3: what works for me. I don't think it's any secret 336 00:15:25,320 --> 00:15:27,240 Speaker 3: in the shees on the money community that I collect 337 00:15:27,680 --> 00:15:30,760 Speaker 3: Virgin and Velocity points. So like I always find a 338 00:15:30,800 --> 00:15:32,800 Speaker 3: credit card that has a really good amount of like 339 00:15:33,040 --> 00:15:37,000 Speaker 3: Bonus Velocity points and then basically work out the fees, 340 00:15:37,040 --> 00:15:39,160 Speaker 3: work out what's going on and whether that works for us, 341 00:15:39,360 --> 00:15:41,440 Speaker 3: and I'll probably sign up to that one. 342 00:15:41,920 --> 00:15:43,520 Speaker 2: The one thing I would say is if. 343 00:15:43,440 --> 00:15:45,320 Speaker 3: You are going to get into your points era and 344 00:15:45,440 --> 00:15:49,240 Speaker 3: start collecting points, some of them have capped points per month. 345 00:15:49,720 --> 00:15:52,560 Speaker 3: Most of us actually have monthly expenses more than two 346 00:15:52,600 --> 00:15:55,040 Speaker 3: thousand dollars, but they might say, oh, you can only 347 00:15:55,080 --> 00:15:57,520 Speaker 3: collect points on the first two thousand dollars spare, so 348 00:15:57,720 --> 00:16:00,840 Speaker 3: just make sure that it suits you. But like, sorry, 349 00:16:01,360 --> 00:16:03,920 Speaker 3: I'm collecting points and then using them at Christmas time. 350 00:16:04,320 --> 00:16:06,320 Speaker 4: Absolutely, And if you want more infra, we we did 351 00:16:06,440 --> 00:16:08,840 Speaker 4: the two of us. I was on the episode which Genius. 352 00:16:08,560 --> 00:16:10,880 Speaker 2: Says basically sucking so exactly. 353 00:16:11,520 --> 00:16:13,640 Speaker 3: The other thing that I saw coming up a few 354 00:16:13,720 --> 00:16:17,200 Speaker 3: times Jess was people saying that they have no spend 355 00:16:17,400 --> 00:16:20,200 Speaker 3: days or like no spend months, which, by the way, 356 00:16:20,240 --> 00:16:22,120 Speaker 3: that's probably a little bit much for me, but like 357 00:16:22,280 --> 00:16:24,680 Speaker 3: I could do a no spend week, I could do 358 00:16:24,760 --> 00:16:25,880 Speaker 3: a no spend two weeks. 359 00:16:26,120 --> 00:16:28,040 Speaker 4: Every time someone says they're doing a no spend month 360 00:16:28,200 --> 00:16:30,440 Speaker 4: or longer, I'm so impressed. 361 00:16:30,600 --> 00:16:33,920 Speaker 3: That's like Emma Edwards from the Brooke generation adore her. 362 00:16:34,640 --> 00:16:37,680 Speaker 3: She banned herself for an entire year from buying new 363 00:16:37,760 --> 00:16:39,080 Speaker 3: clothes and shoes and stuff. 364 00:16:39,840 --> 00:16:43,040 Speaker 2: I'm so sorry. I respect that so much. You go 365 00:16:43,200 --> 00:16:45,720 Speaker 2: follow her. She's a genius. Couldn't be me. 366 00:16:46,400 --> 00:16:48,160 Speaker 4: It was so fun to watch her do it though, 367 00:16:48,200 --> 00:16:50,520 Speaker 4: and like she did a lot of post tooy about 368 00:16:50,560 --> 00:16:52,520 Speaker 4: her takeaways and stuff. It was really interesting. 369 00:16:52,600 --> 00:16:55,000 Speaker 2: But I've been talking about doing it again. Yeah girl, 370 00:16:55,080 --> 00:16:56,880 Speaker 2: are you Delulu? I love you so much? 371 00:16:57,040 --> 00:16:59,640 Speaker 3: But like also, I could never be me, But like 372 00:16:59,760 --> 00:17:01,800 Speaker 3: that's the best thing, right, we can learn from other people. 373 00:17:01,840 --> 00:17:03,720 Speaker 2: And I go, do you know what? I could probably 374 00:17:03,720 --> 00:17:04,520 Speaker 2: do that for a week or so. 375 00:17:04,800 --> 00:17:05,640 Speaker 4: Yeah, shrink it down. 376 00:17:05,680 --> 00:17:06,760 Speaker 2: Whatever she's exactly. 377 00:17:07,359 --> 00:17:09,399 Speaker 3: The next thing is a very helpful tip for one 378 00:17:09,480 --> 00:17:11,240 Speaker 3: of what I would say is the biggest money leaks 379 00:17:11,280 --> 00:17:12,080 Speaker 3: we have these days. 380 00:17:12,480 --> 00:17:15,680 Speaker 2: Subscriptions. Oh yes, so Vicki said. 381 00:17:15,720 --> 00:17:18,000 Speaker 3: And I thought this was genius because like, also, if 382 00:17:18,040 --> 00:17:19,680 Speaker 3: you're a little bit nearest by sea like me, you 383 00:17:19,760 --> 00:17:22,920 Speaker 3: set up subscription, you already forgot you set up the subscription. 384 00:17:23,640 --> 00:17:25,640 Speaker 3: But she said, if she sets up a new subscription, 385 00:17:25,760 --> 00:17:27,800 Speaker 3: like she signs up to like Disney or Netflix or 386 00:17:27,840 --> 00:17:31,639 Speaker 3: something for her business like docu sign she'll always cancel 387 00:17:31,720 --> 00:17:35,280 Speaker 3: it immediately, so like the same day, because it'll still 388 00:17:35,359 --> 00:17:38,480 Speaker 3: be valid for the month you paid for for those 389 00:17:38,600 --> 00:17:42,000 Speaker 3: thirty days, but it won't automatically pay for it again. 390 00:17:42,560 --> 00:17:45,800 Speaker 3: And then if she really likes it and it comes up, oh, 391 00:17:45,920 --> 00:17:49,719 Speaker 3: your subscriptions lapsed. Good reminder, she goes, yeah, I did 392 00:17:49,800 --> 00:17:51,800 Speaker 3: want to continue that. So she goes and signs up 393 00:17:51,840 --> 00:17:52,520 Speaker 3: for another month. 394 00:17:52,640 --> 00:17:52,840 Speaker 4: Yeah. 395 00:17:53,000 --> 00:17:54,640 Speaker 3: But if you get the pop up and it says 396 00:17:54,680 --> 00:17:57,600 Speaker 3: your subscription's canceled and you're like, weh, you get out 397 00:17:57,640 --> 00:17:59,840 Speaker 3: of it. Sorry, you didn't even have to do any work. 398 00:18:00,000 --> 00:18:00,720 Speaker 3: You're saving money. 399 00:18:00,840 --> 00:18:04,159 Speaker 4: That's so there's definitely been many a like random I 400 00:18:04,200 --> 00:18:05,720 Speaker 4: would say, like a work thing, or like do you 401 00:18:05,960 --> 00:18:07,680 Speaker 4: sign up? You're like, oh, I really need this one 402 00:18:07,760 --> 00:18:10,520 Speaker 4: app for this one task, you sign up, you forget about, 403 00:18:10,560 --> 00:18:13,440 Speaker 4: and then a month later you go, what do you mean? 404 00:18:13,560 --> 00:18:17,080 Speaker 3: Yeah, it happens to us all the time, and like, 405 00:18:17,440 --> 00:18:19,800 Speaker 3: you know, maybe not that relatable, but like, if you're 406 00:18:19,800 --> 00:18:22,400 Speaker 3: a business owner, do an audit because I found out 407 00:18:22,480 --> 00:18:27,160 Speaker 3: recently you have an Adobe subscription. Brook has an Adobe subscription. 408 00:18:27,600 --> 00:18:29,840 Speaker 3: As it turns out, we could have shared a business one, 409 00:18:30,760 --> 00:18:33,080 Speaker 3: so we might be going and changing all of that 410 00:18:33,240 --> 00:18:35,720 Speaker 3: soon because I realized maybe we have a few little 411 00:18:35,800 --> 00:18:38,920 Speaker 3: money leaks with our own nobody's perfect. But I also 412 00:18:39,000 --> 00:18:42,680 Speaker 3: didn't know that we all use this particular software anyway, 413 00:18:43,119 --> 00:18:45,800 Speaker 3: so silly, and I think a lot of people think 414 00:18:45,840 --> 00:18:48,880 Speaker 3: if you cancel a subscription, it actually finishes right away. 415 00:18:49,560 --> 00:18:52,119 Speaker 3: But as always I would be checking the t's and c's. 416 00:18:52,280 --> 00:18:56,200 Speaker 3: But you will generally retain access to that service or 417 00:18:56,280 --> 00:18:58,680 Speaker 3: that content until the end of the current billing cycle 418 00:18:58,840 --> 00:19:00,199 Speaker 3: because you're already paid for it, And. 419 00:19:00,280 --> 00:19:03,000 Speaker 4: A lot of platforms will offer a retention bonus too, 420 00:19:03,119 --> 00:19:04,679 Speaker 4: so they might you might get an email saying, oh, 421 00:19:04,680 --> 00:19:07,560 Speaker 4: your subscription is about to cancel, but if you come back, 422 00:19:07,600 --> 00:19:09,040 Speaker 4: we'll give you twenty percent off. 423 00:19:09,480 --> 00:19:11,360 Speaker 2: Sorry, I'm going to do that every month if that's 424 00:19:11,400 --> 00:19:13,440 Speaker 2: the case. I like, that's genius. 425 00:19:14,760 --> 00:19:18,800 Speaker 4: Next, I've got a really smart app, Suggestion Love. Alissa 426 00:19:18,880 --> 00:19:21,760 Speaker 4: Jane said using the Sorted app to make wish lists 427 00:19:21,800 --> 00:19:24,560 Speaker 4: of items she once or likes has really helped her 428 00:19:24,640 --> 00:19:27,560 Speaker 4: put at least twenty four hours between her and her spending. 429 00:19:27,240 --> 00:19:29,800 Speaker 2: Which she's on the Morning Colt status. 430 00:19:29,960 --> 00:19:32,560 Speaker 4: Absolutely, she said, it's super simple to share with friends 431 00:19:32,600 --> 00:19:35,600 Speaker 4: and family come Birthday or Christmas, time as well, because 432 00:19:35,640 --> 00:19:37,440 Speaker 4: when everyone asks what you want, you can just send 433 00:19:37,480 --> 00:19:38,320 Speaker 4: them a link to the list. 434 00:19:38,760 --> 00:19:40,879 Speaker 2: That's actually genius and it's a really good. 435 00:19:40,760 --> 00:19:43,400 Speaker 4: Way to keep track of things. Ada Lisa said, put 436 00:19:43,480 --> 00:19:46,240 Speaker 4: some distance between you and your spending, but also like 437 00:19:46,359 --> 00:19:48,160 Speaker 4: keep a track of price changes. That tells you when 438 00:19:48,160 --> 00:19:50,240 Speaker 4: the price goes up too, so you can keep it. 439 00:19:50,520 --> 00:19:52,600 Speaker 2: Put like homewares and stuff on it. Absolutely rely. 440 00:19:52,640 --> 00:19:54,800 Speaker 4: I've got that stuff from myer on there. Stop it 441 00:19:55,280 --> 00:19:56,919 Speaker 4: like any website pretty much. 442 00:19:56,800 --> 00:19:59,960 Speaker 3: That you I'm like in my homewere era, I'm fantasized 443 00:20:00,200 --> 00:20:02,240 Speaker 3: and looking at all these things on Instagram being like, 444 00:20:02,280 --> 00:20:04,320 Speaker 3: oh I love that in my new house, I'd love this. 445 00:20:04,600 --> 00:20:06,560 Speaker 2: I'm actually going to go get that because I feel 446 00:20:06,600 --> 00:20:07,600 Speaker 2: like that's what I want. 447 00:20:07,840 --> 00:20:10,159 Speaker 4: I couldn't agree more. Fear is another great app. It 448 00:20:10,280 --> 00:20:12,560 Speaker 4: was made by Bill Gates's daughter, Phoebe Gates, a little 449 00:20:12,600 --> 00:20:15,320 Speaker 4: Nepo baby shore out. It gives you the best price 450 00:20:15,400 --> 00:20:18,840 Speaker 4: for an item and it includes secondhand options okay, which 451 00:20:18,920 --> 00:20:19,240 Speaker 4: we love. 452 00:20:19,359 --> 00:20:21,040 Speaker 2: Thank you Nepper Baby. We love that. 453 00:20:21,720 --> 00:20:24,399 Speaker 3: And another app that I love that is not as 454 00:20:24,480 --> 00:20:26,359 Speaker 3: smart as the ones that you've mentioned, so maybe I 455 00:20:26,480 --> 00:20:31,159 Speaker 3: need to move is called wearing so wher ing. My 456 00:20:31,280 --> 00:20:34,280 Speaker 3: girlfriend Hannah and I use this, and you can keep 457 00:20:34,359 --> 00:20:36,960 Speaker 3: track of items you already own, so like I kind 458 00:20:37,000 --> 00:20:38,680 Speaker 3: of had a catalog, and I need to be better 459 00:20:38,720 --> 00:20:41,159 Speaker 3: at this or than like actually uploading everything. But you 460 00:20:41,240 --> 00:20:44,600 Speaker 3: can catalog all of your items and then like recreate 461 00:20:44,720 --> 00:20:47,480 Speaker 3: outfits and understand what's in your wardrobe, so that when 462 00:20:47,520 --> 00:20:50,480 Speaker 3: you're shopping you can kind of go Victoria. You actually 463 00:20:50,520 --> 00:20:52,640 Speaker 3: already have a navy jumper with a collar. You don't 464 00:20:52,680 --> 00:20:56,080 Speaker 3: need another one of those, and that can be really helpful. 465 00:20:56,359 --> 00:20:56,920 Speaker 2: Now I've got. 466 00:20:56,840 --> 00:21:00,320 Speaker 3: Another one here, and this is from our friend Alice says, 467 00:21:00,480 --> 00:21:03,680 Speaker 3: my bank has the option to set up spendable or 468 00:21:04,119 --> 00:21:08,359 Speaker 3: available account STATUSIST, so there might be like three thousand 469 00:21:08,400 --> 00:21:11,560 Speaker 3: dollars sitting in her account. But if my spendable amount 470 00:21:11,680 --> 00:21:14,280 Speaker 3: that she's said is only seventy dollars, her brain says 471 00:21:14,480 --> 00:21:17,440 Speaker 3: two porter shop and she's less likely to attempt to 472 00:21:17,480 --> 00:21:20,679 Speaker 3: play like musical money, like justify a purpose. 473 00:21:20,840 --> 00:21:22,879 Speaker 2: So I thought that was I don't even know that 474 00:21:23,040 --> 00:21:23,400 Speaker 2: was a thing. 475 00:21:24,400 --> 00:21:26,560 Speaker 3: I don't know which bank that is, but I'm going 476 00:21:26,640 --> 00:21:28,800 Speaker 3: to do some research because I feel like I need that. 477 00:21:29,600 --> 00:21:32,600 Speaker 3: Another one is from our friend Chelsea, and she said 478 00:21:32,840 --> 00:21:35,440 Speaker 3: that one of her bank features that she likes to use. 479 00:21:35,520 --> 00:21:38,160 Speaker 3: I think this is up bank is a three hour lock. 480 00:21:38,960 --> 00:21:41,280 Speaker 3: So like, if she's feeling spendy and she's like, no, 481 00:21:41,400 --> 00:21:43,040 Speaker 3: I don't want to do it, and she's fighting with herself, 482 00:21:43,080 --> 00:21:45,520 Speaker 3: she locks down her bank for three hours, she can't 483 00:21:45,600 --> 00:21:47,719 Speaker 3: spend it. She has to put three hours between her 484 00:21:47,800 --> 00:21:48,560 Speaker 3: and spend it. 485 00:21:49,000 --> 00:21:49,960 Speaker 4: Forced saving. 486 00:21:50,080 --> 00:21:51,320 Speaker 2: Do you know what some of us need? 487 00:21:51,440 --> 00:21:51,480 Speaker 1: It? 488 00:21:51,680 --> 00:21:56,080 Speaker 3: Totally not gonna lie, Like some of us are quite impulsive, Jess, 489 00:21:56,840 --> 00:21:59,560 Speaker 3: And you know what, banks are actually getting smarter, but 490 00:21:59,800 --> 00:22:02,040 Speaker 3: for us, so I think for a long time it 491 00:22:02,160 --> 00:22:05,680 Speaker 3: was all about them promoting spending money, whereas now they're 492 00:22:05,760 --> 00:22:08,359 Speaker 3: kind of seeing a lot of the features and benefits, 493 00:22:08,440 --> 00:22:11,399 Speaker 3: if they're related to us saving, are quite attractive and 494 00:22:11,480 --> 00:22:13,720 Speaker 3: we might move to their bank. So banks are getting 495 00:22:13,720 --> 00:22:16,600 Speaker 3: smarter and have a heap more features that actually help 496 00:22:16,680 --> 00:22:18,760 Speaker 3: you get on top of your money. Like I was 497 00:22:18,800 --> 00:22:20,680 Speaker 3: looking at my banking app the other day, and you 498 00:22:20,760 --> 00:22:23,320 Speaker 3: guys know my bank with NAB and I didn't realize 499 00:22:23,359 --> 00:22:25,440 Speaker 3: how many features and benefits they're added to their app. 500 00:22:25,480 --> 00:22:27,040 Speaker 3: And I actually need to do a little bit more 501 00:22:27,080 --> 00:22:28,920 Speaker 3: research and see how they can work for me. 502 00:22:29,200 --> 00:22:30,000 Speaker 2: Yeah, it's really. 503 00:22:29,880 --> 00:22:32,159 Speaker 4: Cool to see so many more features rolling out. Some 504 00:22:32,280 --> 00:22:34,480 Speaker 4: you can even put in your payday so that they 505 00:22:34,560 --> 00:22:37,399 Speaker 4: can then work out what your upcoming payments are and 506 00:22:37,520 --> 00:22:40,159 Speaker 4: then you can work out your spendable and available amounts 507 00:22:40,200 --> 00:22:44,440 Speaker 4: from there. Some of them, my bank recognizes regular debits 508 00:22:44,440 --> 00:22:47,840 Speaker 4: and we'll say, hey, in you seven days, we're expecting 509 00:22:47,840 --> 00:22:51,239 Speaker 4: a debit from Spotify, and so it's very stop. All 510 00:22:51,280 --> 00:22:53,120 Speaker 4: of these features, I feel like we can really start 511 00:22:53,160 --> 00:22:55,920 Speaker 4: to utilize to build out, you know, a more clever 512 00:22:56,000 --> 00:22:57,080 Speaker 4: way of managing our money. 513 00:22:57,280 --> 00:22:59,159 Speaker 3: Yes, this is why we don't have a Sheese on 514 00:22:59,240 --> 00:23:01,520 Speaker 3: the Money app, because like, can you imagine the time 515 00:23:01,560 --> 00:23:04,280 Speaker 3: and energy and effort that it would take to organize 516 00:23:04,320 --> 00:23:05,920 Speaker 3: this when your bank's already doing it. 517 00:23:06,000 --> 00:23:07,760 Speaker 4: They're already all over and I would argue that bank 518 00:23:07,840 --> 00:23:12,520 Speaker 4: is probably better. Should we move on to one of 519 00:23:12,720 --> 00:23:16,159 Speaker 4: the biggest money drainers though absolutely a moment. 520 00:23:16,480 --> 00:23:19,639 Speaker 2: Groceries the surprise the community. 521 00:23:19,320 --> 00:23:22,680 Speaker 4: Had some really great money saving hacks. Marissa said she 522 00:23:22,840 --> 00:23:27,479 Speaker 4: basically only buys cleaning, toilet trees, household stuff, pantry items, 523 00:23:27,560 --> 00:23:29,119 Speaker 4: and treats when they're half priced. 524 00:23:29,760 --> 00:23:33,360 Speaker 3: I do this, I do this. I feel like sometimes 525 00:23:33,400 --> 00:23:35,680 Speaker 3: I'm like Victoria, you can afford it. But I'm like, sorry, 526 00:23:35,800 --> 00:23:39,320 Speaker 3: sprain wipe in my head. That's a luxury. Yeah, absolutely, 527 00:23:39,400 --> 00:23:41,720 Speaker 3: it's only happening, yeah if it's half rice. 528 00:23:41,880 --> 00:23:44,119 Speaker 4: But Marissa said her kids and her husband would always 529 00:23:44,240 --> 00:23:46,280 Speaker 4: feast on the treats as soon as they saw them. 530 00:23:46,359 --> 00:23:47,960 Speaker 4: So she now has a little tub in the shed 531 00:23:48,040 --> 00:23:50,480 Speaker 4: that she hid the I don't know about it. She 532 00:23:50,600 --> 00:23:52,320 Speaker 4: keeps it filled up with all of the half priced 533 00:23:52,400 --> 00:23:54,880 Speaker 4: treats and the school snacks and then she just rations 534 00:23:54,960 --> 00:23:55,320 Speaker 4: them out. 535 00:23:55,480 --> 00:23:56,800 Speaker 2: Do you know what that is the thing? 536 00:23:57,080 --> 00:23:59,879 Speaker 3: So like in our house, we and as you know, 537 00:24:00,720 --> 00:24:02,480 Speaker 3: like I used to be a bit of a like 538 00:24:02,800 --> 00:24:06,360 Speaker 3: from scratch household, Like I always had my Maley spoons 539 00:24:06,480 --> 00:24:09,000 Speaker 3: and like the meals maybe like a big tub of 540 00:24:09,080 --> 00:24:10,840 Speaker 3: yogurt or something. So if you came to my house 541 00:24:10,880 --> 00:24:12,359 Speaker 3: and you were like, oh, I'm hungry, I'd be like, oh, 542 00:24:12,640 --> 00:24:14,359 Speaker 3: got some yogurt or some fruit. I could put it 543 00:24:14,359 --> 00:24:16,080 Speaker 3: together like a snack for you and you'd be like great. 544 00:24:16,760 --> 00:24:19,359 Speaker 3: But like now I've got a baby in the house. Yess, 545 00:24:19,720 --> 00:24:23,159 Speaker 3: I've got snacks coming out the kazoo. Like I have 546 00:24:23,359 --> 00:24:26,119 Speaker 3: fruit bars, I have musley bars. I have six million 547 00:24:26,160 --> 00:24:29,480 Speaker 3: different types of rice cracker. I'm sorry, those are for 548 00:24:29,600 --> 00:24:33,359 Speaker 3: my baby. Why does my husband consumable? Why does he 549 00:24:33,600 --> 00:24:35,840 Speaker 3: just go to the baby draw and take out one 550 00:24:35,880 --> 00:24:37,960 Speaker 3: of those like little fruit roll up things. Sorry, that's 551 00:24:38,000 --> 00:24:41,040 Speaker 3: not for you, that was bought for the baby. And 552 00:24:41,080 --> 00:24:42,520 Speaker 3: he's like, oh, well, I need as a snack. 553 00:24:43,040 --> 00:24:43,320 Speaker 2: Sorry. 554 00:24:43,600 --> 00:24:47,320 Speaker 3: But the years we lived together without buying snacks and 555 00:24:47,400 --> 00:24:49,320 Speaker 3: things like that, you were fine. 556 00:24:49,160 --> 00:24:51,479 Speaker 2: Yeah, we need a fruit bar. 557 00:24:52,080 --> 00:24:55,160 Speaker 4: No, the temptation I think is getting him. Sharon said 558 00:24:55,160 --> 00:24:57,600 Speaker 4: she does the same, except she buys half priced at 559 00:24:57,680 --> 00:25:00,800 Speaker 4: Woolies or Coals when they have a spend fifty dollars, 560 00:25:00,880 --> 00:25:02,199 Speaker 4: get fifteen dollars off promos. 561 00:25:02,280 --> 00:25:03,119 Speaker 2: Yeah, she's so smart. 562 00:25:03,320 --> 00:25:05,560 Speaker 4: Half price and then basically another thirty percent off on 563 00:25:05,640 --> 00:25:07,000 Speaker 4: top of that, which is very clever. 564 00:25:07,240 --> 00:25:07,480 Speaker 3: Yeah. 565 00:25:07,720 --> 00:25:10,200 Speaker 4: And then Patients says she saved on meat by knowing 566 00:25:10,280 --> 00:25:13,320 Speaker 4: when her butcher puts the clear and stickers on. Well, 567 00:25:13,440 --> 00:25:15,720 Speaker 4: that's every Sunday. So she makes sure that she like 568 00:25:15,800 --> 00:25:18,120 Speaker 4: plans her shop around the times when she knows it's 569 00:25:18,119 --> 00:25:18,920 Speaker 4: going to be discounted. 570 00:25:19,160 --> 00:25:21,399 Speaker 3: That's like someone and it wasn't from this thread a 571 00:25:21,480 --> 00:25:23,639 Speaker 3: while ago. She's like, I have worked out when the 572 00:25:23,760 --> 00:25:27,560 Speaker 3: rotisserie chickens get marked down, and I've never paid more 573 00:25:27,600 --> 00:25:29,480 Speaker 3: than five bucks for a chicken, and I'm like, you're 574 00:25:29,480 --> 00:25:29,959 Speaker 3: a genius. 575 00:25:30,080 --> 00:25:32,399 Speaker 2: It is so cool, well, actually a genius. 576 00:25:32,440 --> 00:25:35,680 Speaker 3: We also had a few community members saying looking outside 577 00:25:35,720 --> 00:25:39,119 Speaker 3: of supermarkets was smart for like cleaning products because it 578 00:25:39,200 --> 00:25:42,720 Speaker 3: can mean really big savings. So I kind of knew this, but. 579 00:25:42,880 --> 00:25:44,680 Speaker 2: Don't utilize it as much as I should. 580 00:25:45,040 --> 00:25:49,280 Speaker 3: They're like Bunning's big w The Reject Shop and even 581 00:25:49,359 --> 00:25:53,240 Speaker 3: like agricultural trading stores were all mentioned as having very 582 00:25:53,440 --> 00:25:54,680 Speaker 3: cheap cleaning products. 583 00:25:55,040 --> 00:25:56,920 Speaker 2: And like Jess, you and I are quite big fans 584 00:25:56,960 --> 00:25:57,760 Speaker 2: of the Reject Shop. 585 00:25:57,800 --> 00:25:59,040 Speaker 4: I love a little reject shop shop. 586 00:25:59,520 --> 00:26:02,920 Speaker 2: I love getting like my omer washing machine pods and 587 00:26:02,960 --> 00:26:03,359 Speaker 2: stuff there. 588 00:26:03,440 --> 00:26:06,560 Speaker 3: It's always just so much cheaper, and I feel like, sorry, 589 00:26:07,680 --> 00:26:11,080 Speaker 3: they are unnecessarily expensive they carry. 590 00:26:11,280 --> 00:26:14,119 Speaker 4: This is a public plea to if anyone works at 591 00:26:14,119 --> 00:26:17,960 Speaker 4: the Reject Shop, specifically in buying. They occasionally carry my 592 00:26:19,000 --> 00:26:21,080 Speaker 4: favorite cleaning product of all times. You used to sell 593 00:26:21,080 --> 00:26:23,600 Speaker 4: it cold. You can't get anymore. It's the brand is Fairy. 594 00:26:24,440 --> 00:26:28,920 Speaker 4: It's a little bottle spray. It's like a deer greaser. Yeah, 595 00:26:29,080 --> 00:26:31,800 Speaker 4: if you own an air fryer, this thing will change 596 00:26:31,800 --> 00:26:33,760 Speaker 4: your life when it shows up at my rejech shop. 597 00:26:33,880 --> 00:26:36,440 Speaker 4: I am buying the whole tray, but I haven't seen 598 00:26:36,440 --> 00:26:38,600 Speaker 4: it in a few months and I'm very sad about it. 599 00:26:38,800 --> 00:26:40,000 Speaker 2: So keep an eye out anyone. 600 00:26:40,160 --> 00:26:42,480 Speaker 4: Yeah, check your rejex shops, and if anyone works at 601 00:26:42,480 --> 00:26:43,919 Speaker 4: the redient shop, please love of God. 602 00:26:43,840 --> 00:26:46,720 Speaker 3: Bring them back all of my dish washing tablets. My 603 00:26:46,920 --> 00:26:49,359 Speaker 3: like dishwashing liquid. Not that you guys actually care, but 604 00:26:49,480 --> 00:26:51,600 Speaker 3: I always buy the Fairy brand because I feel like 605 00:26:52,040 --> 00:26:55,760 Speaker 3: they're just as good. But they are also always cheaper 606 00:26:55,880 --> 00:26:58,159 Speaker 3: at coals and woolies and stuff when you're buying it, 607 00:26:58,520 --> 00:27:00,359 Speaker 3: and I feel like sometimes you're just not willing to 608 00:27:00,400 --> 00:27:02,639 Speaker 3: try a new brand because you're like, oh, I'm just 609 00:27:02,680 --> 00:27:04,600 Speaker 3: gonna use the finish ones because like I don't want 610 00:27:04,600 --> 00:27:07,360 Speaker 3: to mess with my dishwasher. Sorry, the Fairy brand is good. 611 00:27:07,560 --> 00:27:10,399 Speaker 3: They often go on sale, and they are oodles cheaper 612 00:27:10,640 --> 00:27:11,520 Speaker 3: than any other brand. 613 00:27:11,600 --> 00:27:14,720 Speaker 2: Sorry. Also a cute name, so cute, so cute. 614 00:27:15,119 --> 00:27:17,720 Speaker 3: I feel like this has been a really fun episode 615 00:27:17,800 --> 00:27:19,600 Speaker 3: to do, but I also think it's a great place 616 00:27:19,680 --> 00:27:22,040 Speaker 3: to leave it. So if this episode gave you a 617 00:27:22,119 --> 00:27:24,960 Speaker 3: few ideas to try, or maybe made you think about 618 00:27:25,000 --> 00:27:27,480 Speaker 3: your habits a little bit differently. We would love it 619 00:27:27,640 --> 00:27:30,840 Speaker 3: if you hit subscribe, leaving a little quick review, or 620 00:27:31,000 --> 00:27:33,280 Speaker 3: please send it to a friend who might also get 621 00:27:33,400 --> 00:27:35,920 Speaker 3: value out of this. It really does help us reach 622 00:27:36,040 --> 00:27:38,240 Speaker 3: more people and grow our community, and I feel like 623 00:27:38,840 --> 00:27:40,320 Speaker 3: we just are better together. 624 00:27:41,119 --> 00:27:43,720 Speaker 2: Like sorry, did anyone ever say that more friends were worse? 625 00:27:44,040 --> 00:27:44,080 Speaker 1: No? 626 00:27:44,280 --> 00:27:46,040 Speaker 3: We want more money friends. I want to have more 627 00:27:46,080 --> 00:27:49,480 Speaker 3: money conversations. Anyway, have a good day, my friends, and 628 00:27:49,640 --> 00:27:52,120 Speaker 3: we will see you bright and early on Friday morning 629 00:27:52,200 --> 00:27:53,080 Speaker 3: for a Friday. 630 00:27:52,760 --> 00:27:54,119 Speaker 2: App Hi guys. 631 00:28:00,160 --> 00:28:02,480 Speaker 5: Buy shared on She's on the Money is general in 632 00:28:02,640 --> 00:28:06,399 Speaker 5: nature and does not consider your individual circumstances. She's on 633 00:28:06,480 --> 00:28:09,879 Speaker 5: the Money exists purely for educational purposes and should not 634 00:28:10,040 --> 00:28:13,000 Speaker 5: be relied upon to make an investment or financial decision. 635 00:28:13,400 --> 00:28:15,840 Speaker 5: If you do choose to buy a financial product, read 636 00:28:15,880 --> 00:28:19,119 Speaker 5: the PDS TMD and obtain appropriate financial. 637 00:28:18,800 --> 00:28:20,520 Speaker 2: Advice tailored towards your needs. 638 00:28:20,960 --> 00:28:24,840 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 639 00:28:24,920 --> 00:28:29,000 Speaker 5: of Money. Sheirper pty LTD ABN three two one six 640 00:28:29,119 --> 00:28:32,960 Speaker 5: four nine two seven seven zero eight AFSL four five 641 00:28:33,080 --> 00:28:34,280 Speaker 5: one two eight nine