1 00:00:00,200 --> 00:00:19,480 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,600 --> 00:00:26,800 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,840 --> 00:00:30,600 Speaker 2: for millennials who want financial freedom. Christmas is just a 4 00:00:30,680 --> 00:00:33,400 Speaker 2: few days away, and while we're sure you're sordied when 5 00:00:33,400 --> 00:00:35,880 Speaker 2: it comes to the big day itself, today we're going 6 00:00:35,920 --> 00:00:38,360 Speaker 2: to reveal our top tips for tackling the Boxing day 7 00:00:38,400 --> 00:00:42,279 Speaker 2: sales so you can shop strategically without sabotaging your savings 8 00:00:42,360 --> 00:00:45,480 Speaker 2: or mindlessly consuming just for the sake of it. Yes, 9 00:00:45,520 --> 00:00:47,440 Speaker 2: I did need to read that intro twice because there 10 00:00:47,440 --> 00:00:50,040 Speaker 2: were so many tongue twisters in there, but that's okay. 11 00:00:49,880 --> 00:00:52,560 Speaker 3: Because the power of good editing means you've only heard 12 00:00:52,600 --> 00:00:54,480 Speaker 3: it once precisely. 13 00:00:54,600 --> 00:00:57,080 Speaker 2: Now, my name is Georgia King, and joining me as 14 00:00:57,080 --> 00:01:00,440 Speaker 2: she does every single Wednesday, is, of course, financial adviser 15 00:01:00,600 --> 00:01:04,640 Speaker 2: Victoria Divine fee Let's chat Boxing Day Sales. It is, 16 00:01:04,680 --> 00:01:07,919 Speaker 2: of course the theme of today's episode. How many Boxing 17 00:01:07,959 --> 00:01:09,880 Speaker 2: Day sales have you been to in your time? Oh? 18 00:01:09,959 --> 00:01:14,720 Speaker 3: My gosh, so many? Honestly, George, I feel like fifteen twenty. 19 00:01:14,840 --> 00:01:18,640 Speaker 3: Oh I'm so old. But I remember when I was young. 20 00:01:19,040 --> 00:01:22,800 Speaker 3: They used to be like golden, like I could not wait, 21 00:01:23,240 --> 00:01:25,520 Speaker 3: like I lived on the Peninsula when I was maybe 22 00:01:25,560 --> 00:01:28,839 Speaker 3: twelve thirteen, and I remember Mum going, look, if you're good, 23 00:01:29,040 --> 00:01:33,319 Speaker 3: we'll drive up on Boxing Day to Southland. And do 24 00:01:33,360 --> 00:01:36,160 Speaker 3: you remember Southwest That used to be like the place 25 00:01:36,280 --> 00:01:39,360 Speaker 3: to be anyway, would drive up to Southland and go 26 00:01:39,400 --> 00:01:42,679 Speaker 3: to the sales and everything was so cheap, like it 27 00:01:42,840 --> 00:01:45,880 Speaker 3: was not even comprehensible. I just don't feel like they're 28 00:01:45,920 --> 00:01:48,200 Speaker 3: the same anymore. I feel like they are different, especially 29 00:01:48,200 --> 00:01:51,480 Speaker 3: because online shopping is so massive now. Yeah, but they 30 00:01:51,600 --> 00:01:54,440 Speaker 3: used to be big. But at the same time, I 31 00:01:54,480 --> 00:01:55,520 Speaker 3: was so impulsive. 32 00:01:55,680 --> 00:01:56,680 Speaker 2: Well that's the thing. 33 00:01:56,800 --> 00:01:58,680 Speaker 3: How many Boxing Day sales have you been to? 34 00:01:59,040 --> 00:01:59,320 Speaker 4: Yeah? 35 00:01:59,520 --> 00:02:01,960 Speaker 2: A similar It was a similar tale. For g King, 36 00:02:03,440 --> 00:02:04,320 Speaker 2: I would trek up. 37 00:02:04,400 --> 00:02:05,920 Speaker 3: You grew up on the Ninch as well. 38 00:02:05,960 --> 00:02:07,560 Speaker 2: I grew up on the n Inch. So Southland and 39 00:02:07,640 --> 00:02:10,440 Speaker 2: Chatty were like, you know, the beacons. They were the 40 00:02:10,480 --> 00:02:11,240 Speaker 2: places to be. 41 00:02:11,760 --> 00:02:14,280 Speaker 3: So Chatty was just that bit too far, so that 42 00:02:14,360 --> 00:02:17,040 Speaker 3: was like the oracle would go there, but like Southland 43 00:02:17,080 --> 00:02:19,840 Speaker 3: that was closer because east Link didn't exist then, and 44 00:02:19,880 --> 00:02:22,280 Speaker 3: everybody who's not in Melbourne's going to be like, what 45 00:02:22,400 --> 00:02:25,320 Speaker 3: is this segment about. So we'll move away from location 46 00:02:25,480 --> 00:02:29,280 Speaker 3: based content in a very hot minute, we will, we will. 47 00:02:29,040 --> 00:02:30,640 Speaker 2: But no, I would grab the girls and we'd all 48 00:02:30,680 --> 00:02:33,720 Speaker 2: go together and we would we just buy mindlessly. We'd 49 00:02:33,800 --> 00:02:35,880 Speaker 2: nab all of the bargains. And I just feel like 50 00:02:36,240 --> 00:02:38,200 Speaker 2: that is not a way that I shop anymore. I 51 00:02:38,240 --> 00:02:40,560 Speaker 2: don't think I'm ever just like gals, I'll be at 52 00:02:40,560 --> 00:02:43,720 Speaker 2: the shops on Saturday, just like browsing and buying. Like, 53 00:02:43,760 --> 00:02:46,280 Speaker 2: that's just not the way that I shop now at all. 54 00:02:46,680 --> 00:02:47,400 Speaker 2: Do you ever do that? 55 00:02:47,600 --> 00:02:51,760 Speaker 3: Yeah, these days browsing and buying, I've tried. I've really tried. 56 00:02:51,919 --> 00:02:55,320 Speaker 3: In fact, after having so many months in COVID lockdown, 57 00:02:55,639 --> 00:02:57,919 Speaker 3: I feel like I tried. A couple of weeks ago. 58 00:02:58,040 --> 00:03:00,440 Speaker 3: I went to Chadston on a weekday, by the way, 59 00:03:00,440 --> 00:03:03,040 Speaker 3: because I'm still too anxious to go on a weekend 60 00:03:03,160 --> 00:03:05,600 Speaker 3: like that gives me mad anxiety at the best of 61 00:03:05,680 --> 00:03:08,320 Speaker 3: times in the lead up to Christmas, like chad Stenny's 62 00:03:08,320 --> 00:03:12,200 Speaker 3: bonkers at the best of times. But I just I 63 00:03:12,320 --> 00:03:15,639 Speaker 3: didn't like it. I just I want to browse online. 64 00:03:15,680 --> 00:03:17,400 Speaker 3: I want to have all of my options in front 65 00:03:17,400 --> 00:03:20,000 Speaker 3: of me. I want to open fifty tabs. I want 66 00:03:20,000 --> 00:03:23,160 Speaker 3: to then play a process of elimination, closing all the tabs. 67 00:03:23,440 --> 00:03:25,680 Speaker 3: Then I want to look at that particular dress that 68 00:03:25,760 --> 00:03:27,440 Speaker 3: I like. Then I want to go look at that 69 00:03:27,520 --> 00:03:30,639 Speaker 3: brand on Instagram and see other girls wearing that dress, 70 00:03:30,639 --> 00:03:32,880 Speaker 3: and then maybe I'll potentially buy it. Like That's how 71 00:03:32,919 --> 00:03:35,200 Speaker 3: it works for me, and you just don't have that 72 00:03:35,240 --> 00:03:36,720 Speaker 3: with an in store experience, Jake. 73 00:03:36,640 --> 00:03:38,640 Speaker 2: Well, that's so true. I feel like we've become so 74 00:03:38,840 --> 00:03:42,920 Speaker 2: used to like the multi faceted journey of online shopping, 75 00:03:42,960 --> 00:03:46,440 Speaker 2: where we like, we browse, we place the order, we 76 00:03:46,480 --> 00:03:49,440 Speaker 2: wait for the order, the order comes, we unpack the order, 77 00:03:49,480 --> 00:03:51,240 Speaker 2: like there's so many steps to it, whereas if you're 78 00:03:51,240 --> 00:03:53,360 Speaker 2: just shopping in store, it's like over like that. 79 00:03:53,520 --> 00:03:55,840 Speaker 3: Yeah, and I feel like I get online and then like, 80 00:03:55,960 --> 00:03:58,360 Speaker 3: well does the iconic have the best deal? How much 81 00:03:58,400 --> 00:04:00,600 Speaker 3: cash back? Am I going to get? On shop? All right, 82 00:04:00,600 --> 00:04:02,640 Speaker 3: maybe I'll have a look at Meyer's website. I think 83 00:04:02,680 --> 00:04:05,320 Speaker 3: Maya does that Brown, Like, I look around for the 84 00:04:05,320 --> 00:04:07,320 Speaker 3: best deal and then try and get a better deal, 85 00:04:07,400 --> 00:04:09,280 Speaker 3: and then it comes in the mail and I'm excited 86 00:04:09,280 --> 00:04:11,760 Speaker 3: because I'm like, oh presents. Yeah, you just don't get 87 00:04:11,760 --> 00:04:13,000 Speaker 3: that with shopping in store. 88 00:04:13,160 --> 00:04:13,600 Speaker 2: Exactly. 89 00:04:13,680 --> 00:04:16,040 Speaker 3: I kind of missed the shopping in store experience. 90 00:04:16,160 --> 00:04:17,560 Speaker 2: I do a little bit. But you know what I 91 00:04:17,640 --> 00:04:21,800 Speaker 2: don't miss is the shop attendance at General Pants hustling me. 92 00:04:22,040 --> 00:04:23,600 Speaker 3: No straight in they've been with you. 93 00:04:23,640 --> 00:04:23,880 Speaker 4: Guys. 94 00:04:23,880 --> 00:04:26,479 Speaker 3: If you work at General Pants, obviously you're one of 95 00:04:26,480 --> 00:04:28,839 Speaker 3: the good ones because you're listening to this podcast. 96 00:04:29,080 --> 00:04:29,440 Speaker 2: Correct. 97 00:04:29,560 --> 00:04:32,000 Speaker 3: But to everybody else who is a not cheese on 98 00:04:32,040 --> 00:04:34,880 Speaker 3: the money listener that works at General Pants, you need 99 00:04:34,880 --> 00:04:36,560 Speaker 3: a lesson in etiquette. 100 00:04:36,920 --> 00:04:39,320 Speaker 2: You just need to relax and please stop talking to me. 101 00:04:39,360 --> 00:04:40,880 Speaker 2: I'm just trying to try on these pants. 102 00:04:41,440 --> 00:04:42,880 Speaker 3: So were they general enough to it? 103 00:04:43,200 --> 00:04:44,839 Speaker 2: A good one? A good one? 104 00:04:44,880 --> 00:04:45,640 Speaker 3: Thank you? Thank you? 105 00:04:45,720 --> 00:04:48,720 Speaker 2: How big are these sales? Like? Are they still as 106 00:04:48,760 --> 00:04:50,240 Speaker 2: big as they once were? Look? 107 00:04:50,360 --> 00:04:54,360 Speaker 3: Gee, this is an absolutely enormous day in the shopping calendar. 108 00:04:54,440 --> 00:04:57,760 Speaker 3: Last year, Australians actually spent close to three billion dollars 109 00:04:57,800 --> 00:05:02,479 Speaker 3: on these sales. Like, g we spent, as Australians, get this, 110 00:05:03,000 --> 00:05:06,520 Speaker 3: three billion dollars the day after we're supposedly meant to 111 00:05:06,560 --> 00:05:08,240 Speaker 3: be grateful for the things we already have. 112 00:05:08,640 --> 00:05:11,000 Speaker 2: Yeah, it's a strange. 113 00:05:12,160 --> 00:05:15,280 Speaker 3: It's just a very strange reality that we live in. 114 00:05:15,480 --> 00:05:17,839 Speaker 3: So obviously it's a massive day of consumption, and I 115 00:05:18,000 --> 00:05:20,920 Speaker 3: just don't think it should be. I just ah, We've 116 00:05:20,960 --> 00:05:23,120 Speaker 3: just gone from celebrating our family and. 117 00:05:23,200 --> 00:05:26,040 Speaker 4: Being grateful for everything that we have to try to 118 00:05:26,040 --> 00:05:28,640 Speaker 4: get the cheapest deal on something that five minutes before 119 00:05:28,680 --> 00:05:30,360 Speaker 4: we saw we didn't even know we need it. 120 00:05:30,480 --> 00:05:33,240 Speaker 3: Like it just it doesn't sit well with the values 121 00:05:33,279 --> 00:05:36,360 Speaker 3: that I now hold in saying that. Historically I always 122 00:05:36,360 --> 00:05:38,200 Speaker 3: bought into it and I was really excited about it. 123 00:05:38,240 --> 00:05:39,760 Speaker 3: And I love a good shop and I love a 124 00:05:39,800 --> 00:05:43,280 Speaker 3: good bargain, and like my mum, Queen of bargains, she's 125 00:05:43,320 --> 00:05:45,159 Speaker 3: exactly the same. But I think as a part of 126 00:05:45,160 --> 00:05:48,279 Speaker 3: my money story and my personal growth, I've really grown 127 00:05:48,400 --> 00:05:51,920 Speaker 3: from being quite impulsive with my spending to being quite 128 00:05:52,000 --> 00:05:55,240 Speaker 3: pragmatic about it. And I really do enjoy the process 129 00:05:55,240 --> 00:05:58,520 Speaker 3: of buying something because I feel like I put lots 130 00:05:58,560 --> 00:06:01,800 Speaker 3: of time and energy and effe into that process so 131 00:06:01,839 --> 00:06:04,480 Speaker 3: that I know, Okay, well I've got this new dress, 132 00:06:04,480 --> 00:06:06,760 Speaker 3: I have thought a fair bit about what it's going 133 00:06:06,839 --> 00:06:08,760 Speaker 3: to go with. Like I bought a new dress the 134 00:06:08,800 --> 00:06:12,520 Speaker 3: other week, actually je Lovely, coincidentally from the Iconic, which 135 00:06:12,600 --> 00:06:14,520 Speaker 3: I think I got like a good twenty percent or 136 00:06:14,560 --> 00:06:17,039 Speaker 3: something cash, but it was a very good deal. But 137 00:06:17,120 --> 00:06:21,160 Speaker 3: I remember having it up and then googling similar dresses 138 00:06:21,200 --> 00:06:24,240 Speaker 3: and like, it's like this beige knit dress, really like it. 139 00:06:24,440 --> 00:06:27,320 Speaker 3: But I was googling, like styling beige knit dress and 140 00:06:27,400 --> 00:06:29,520 Speaker 3: like just seeing what other outfits I could make with it, 141 00:06:29,560 --> 00:06:32,080 Speaker 3: and that's just yeah past me. She'd be like, what 142 00:06:32,120 --> 00:06:34,400 Speaker 3: are you doing? Why are you doing that? Whereas currently 143 00:06:34,440 --> 00:06:36,000 Speaker 3: I'm like, oh, I didn't even think about it. That 144 00:06:36,000 --> 00:06:38,719 Speaker 3: would look chic with a blazer over it, Like I've 145 00:06:38,760 --> 00:06:40,800 Speaker 3: got a blazer, Like I don't know. I really like 146 00:06:40,880 --> 00:06:44,320 Speaker 3: this idea of bringing things into my wardrobe or bringing 147 00:06:44,360 --> 00:06:47,520 Speaker 3: things into my life with purpose, and I just feel 148 00:06:47,520 --> 00:06:50,560 Speaker 3: like I have a different level of appreciation for them 149 00:06:50,839 --> 00:06:54,120 Speaker 3: than just impulse purchasing. I'm absolutely not saying everybody needs that. 150 00:06:54,200 --> 00:06:56,599 Speaker 3: I'm just saying, this is my money story at the moment. 151 00:06:56,640 --> 00:06:58,240 Speaker 3: This is how this is working for me, and this 152 00:06:58,279 --> 00:07:01,080 Speaker 3: is how my purchasing journey goes. But oh, I used 153 00:07:01,120 --> 00:07:03,599 Speaker 3: to be quite impulsive, and I just feel like I'm 154 00:07:03,600 --> 00:07:06,320 Speaker 3: not anymore. But this is why we're having this episode 155 00:07:06,320 --> 00:07:07,920 Speaker 3: because I think there are a lot of people out 156 00:07:07,920 --> 00:07:09,720 Speaker 3: there who are like, oh, I wish I wasn't as 157 00:07:09,760 --> 00:07:10,920 Speaker 3: impulsive during sales. 158 00:07:11,400 --> 00:07:14,320 Speaker 2: Definitely, the this could maybe be a bit of a 159 00:07:14,360 --> 00:07:16,480 Speaker 2: difficult question, but hey, if I'm going to ask it 160 00:07:16,520 --> 00:07:20,840 Speaker 2: of anyone, you are the lady to ask it of. Oh, 161 00:07:20,880 --> 00:07:24,320 Speaker 2: what percentage do you think of that almost three billion 162 00:07:24,400 --> 00:07:26,160 Speaker 2: would be impulse purchases? 163 00:07:26,760 --> 00:07:29,679 Speaker 3: I think a lot of it because not many people 164 00:07:29,880 --> 00:07:34,080 Speaker 3: are going to plan for three billion dollars worth of spending. 165 00:07:34,520 --> 00:07:36,520 Speaker 3: And if I look at what I was doing when 166 00:07:36,600 --> 00:07:39,560 Speaker 3: I was spending on Boxing Day, it was quite impulsive, 167 00:07:39,840 --> 00:07:44,480 Speaker 3: and from my own personal experience, like I don't really 168 00:07:44,600 --> 00:07:46,960 Speaker 3: think that lots of people go, you know what, We're 169 00:07:46,960 --> 00:07:48,640 Speaker 3: just going to go out, We'll go to Chatty, we'll 170 00:07:48,680 --> 00:07:50,880 Speaker 3: go to you know, Pacific Fair or wherever you're going, 171 00:07:51,200 --> 00:07:55,040 Speaker 3: and we're going to go shopping. Like in saying that, 172 00:07:55,280 --> 00:07:57,680 Speaker 3: I think that there is a really good piece of 173 00:07:57,760 --> 00:08:00,320 Speaker 3: power in this as well, because if it's on sale 174 00:08:00,400 --> 00:08:02,640 Speaker 3: and you needed to buy it, that is a brilliant 175 00:08:02,640 --> 00:08:04,800 Speaker 3: time to pick it up. And it's actually something that 176 00:08:04,880 --> 00:08:07,400 Speaker 3: my partner and I, even though I just said I 177 00:08:07,440 --> 00:08:10,400 Speaker 3: don't really go impulse boxing day shopping, we have gone 178 00:08:10,680 --> 00:08:14,080 Speaker 3: planned boxing day shopping. And as a lot of you know, 179 00:08:14,240 --> 00:08:17,000 Speaker 3: we are currently in the process of redoing our backyard. 180 00:08:17,360 --> 00:08:20,200 Speaker 3: We will be purchasing an outdoor setting with the Boxing 181 00:08:20,280 --> 00:08:22,760 Speaker 3: Day sales because I know that the company that I 182 00:08:22,800 --> 00:08:25,160 Speaker 3: really want my outdoor setting to come from is going 183 00:08:25,200 --> 00:08:27,640 Speaker 3: to be on sale after Christmas, and it's like the 184 00:08:27,720 --> 00:08:31,080 Speaker 3: Christmas present to ourselves. But we're happy to wait till 185 00:08:31,120 --> 00:08:33,600 Speaker 3: after Christmas because I'd prefer a discount than having the 186 00:08:33,640 --> 00:08:36,080 Speaker 3: item on the day. So for me, I feel like 187 00:08:36,120 --> 00:08:37,920 Speaker 3: that works, and I mean that could also be a 188 00:08:37,960 --> 00:08:40,600 Speaker 3: savor money win. Yeah, if you've missed all of the 189 00:08:40,640 --> 00:08:44,440 Speaker 3: Black Friday sales, in the Cyber Monday sales, just be like, hey, 190 00:08:44,480 --> 00:08:46,760 Speaker 3: g your presence coming on Boxing. 191 00:08:46,520 --> 00:08:48,880 Speaker 2: Day, Well that's it. You don't see that many people 192 00:08:48,880 --> 00:08:51,040 Speaker 2: on Christmas Day itself, you know, like you might see 193 00:08:51,440 --> 00:08:52,960 Speaker 2: part of your family and then you might see the 194 00:08:53,000 --> 00:08:56,040 Speaker 2: others the next day, so you don't be strategic about it. 195 00:08:56,080 --> 00:08:58,320 Speaker 3: That's a really good money tip as well. Ge, try 196 00:08:58,320 --> 00:09:02,440 Speaker 3: and push Christmas out. Aw, we just convince your kids 197 00:09:02,480 --> 00:09:02,839 Speaker 3: do it. 198 00:09:02,960 --> 00:09:04,160 Speaker 2: Honestly, I thought it was. 199 00:09:04,120 --> 00:09:05,760 Speaker 3: On the thirtieth. What do you mean It's not on 200 00:09:05,800 --> 00:09:08,479 Speaker 3: the same day as news. 201 00:09:07,600 --> 00:09:11,760 Speaker 2: So weird, brilliant Okay, Now I'm curious to hear your 202 00:09:11,840 --> 00:09:15,240 Speaker 2: thoughts be on the pros and cons of shopping online. 203 00:09:15,320 --> 00:09:18,200 Speaker 2: Versus in store when it comes to this very special 204 00:09:18,280 --> 00:09:21,040 Speaker 2: day of figure. Obviously, you know, if you're in store, 205 00:09:21,080 --> 00:09:24,080 Speaker 2: you've got the general pants people hussling you. But beyond that, 206 00:09:24,480 --> 00:09:28,160 Speaker 2: what are the other benefits and cons I guess of 207 00:09:28,200 --> 00:09:30,720 Speaker 2: shopping online? Oh, that was a poorly phrase to hear 208 00:09:30,760 --> 00:09:31,200 Speaker 2: what I'm saying. 209 00:09:31,200 --> 00:09:32,720 Speaker 3: You know what I get it like, this is an 210 00:09:32,760 --> 00:09:36,280 Speaker 3: introverts dream, George. All right, So there are a lot 211 00:09:36,280 --> 00:09:38,319 Speaker 3: of pros to shopping online. You don't have to deal 212 00:09:38,360 --> 00:09:40,560 Speaker 3: with people, you don't have to deal with crowds. That 213 00:09:40,720 --> 00:09:43,280 Speaker 3: is brilliant. You don't have to struggle in lines, you 214 00:09:43,320 --> 00:09:46,800 Speaker 3: don't have to line up for parking. We've all done it. 215 00:09:46,840 --> 00:09:49,319 Speaker 3: We've gone to the boxing day sales at some point 216 00:09:49,360 --> 00:09:51,400 Speaker 3: in our lives, and we have driven around in that 217 00:09:51,440 --> 00:09:53,360 Speaker 3: car parck for at least twenty minutes to find a 218 00:09:53,400 --> 00:09:56,720 Speaker 3: park twenty minutes. It's probably being really lean as well. 219 00:09:57,280 --> 00:09:59,240 Speaker 3: I find this works for me, but I'm not sure 220 00:09:59,240 --> 00:10:01,400 Speaker 3: if it works for everybody else. But I'm not as 221 00:10:01,440 --> 00:10:03,720 Speaker 3: tempted to buy things I don't need because they're not 222 00:10:03,800 --> 00:10:06,120 Speaker 3: in front of me with a big red sales sticker 223 00:10:06,160 --> 00:10:09,640 Speaker 3: on them. I'm often usually quite directed, like I'm not 224 00:10:09,720 --> 00:10:12,560 Speaker 3: walking past a shop and accidentally go in. I literally 225 00:10:12,640 --> 00:10:14,880 Speaker 3: go to the Iconic or go to the David Jones 226 00:10:14,960 --> 00:10:17,600 Speaker 3: website and I know what I'm looking for. I'm not 227 00:10:17,640 --> 00:10:20,560 Speaker 3: saying that mindless browsing and stuff doesn't happen, but it 228 00:10:20,640 --> 00:10:23,080 Speaker 3: is harder to quote walk by a shop and be like, oh, 229 00:10:23,160 --> 00:10:25,800 Speaker 3: we'll just pop in here as well. There aren't any 230 00:10:25,840 --> 00:10:28,400 Speaker 3: salespeople in your ear trying to convince you to buy 231 00:10:29,160 --> 00:10:31,880 Speaker 3: or not convince you to buy. If you're in one 232 00:10:31,920 --> 00:10:34,480 Speaker 3: of the big Australian department stores where it's very hard 233 00:10:34,480 --> 00:10:36,160 Speaker 3: to find a staff member to begin with. 234 00:10:36,360 --> 00:10:39,040 Speaker 2: They need to hire more people. Yeah, but if you're 235 00:10:39,080 --> 00:10:40,679 Speaker 2: listening Mayer and David Chair. 236 00:10:40,679 --> 00:10:45,640 Speaker 4: Just attack them as well with coming for you. You're easily 237 00:10:45,679 --> 00:10:48,920 Speaker 4: able to compare prices online, which I obviously love, but 238 00:10:49,640 --> 00:10:52,680 Speaker 4: money Win, David Jones, Maya, all of them. 239 00:10:52,880 --> 00:10:56,600 Speaker 3: They actually do price matching Georgia, do they? Yes? And 240 00:10:56,640 --> 00:10:59,160 Speaker 3: I did this the other day, much to the dismay 241 00:10:59,240 --> 00:11:01,840 Speaker 3: of the woman in the lingerie section at David Jones. 242 00:11:02,320 --> 00:11:04,959 Speaker 3: So I was in David Jones because I didn't want 243 00:11:04,960 --> 00:11:07,120 Speaker 3: to go into Maya because Maya was hectic, because Maya 244 00:11:07,120 --> 00:11:09,320 Speaker 3: had a sale on and David Jones did not, and 245 00:11:09,400 --> 00:11:12,440 Speaker 3: I wanted This is probably TMI, but that's okay. There's 246 00:11:12,440 --> 00:11:14,840 Speaker 3: only a million or so people listening to this podcast. 247 00:11:14,880 --> 00:11:20,480 Speaker 3: I wanted the pink Calvin Klein like matching set, like 248 00:11:20,559 --> 00:11:23,520 Speaker 3: you know, the like standard real basic, like pink crop 249 00:11:23,559 --> 00:11:27,160 Speaker 3: top and pink undie bottom. Yes, I really wanted those tortures, 250 00:11:27,280 --> 00:11:29,560 Speaker 3: but there's no way I was spending full price on them. 251 00:11:29,960 --> 00:11:33,200 Speaker 3: They worth thirty percent off at Maya, and so I 252 00:11:33,280 --> 00:11:35,240 Speaker 3: got picked them up at David Jones and went up 253 00:11:35,240 --> 00:11:36,640 Speaker 3: to the count and I was like, hey, do price 254 00:11:36,679 --> 00:11:38,600 Speaker 3: match and she was like, oh, I don't know. She 255 00:11:38,679 --> 00:11:41,760 Speaker 3: was really cagy about it. G I was like, well, sus, 256 00:11:41,760 --> 00:11:43,400 Speaker 3: I know you do, and she was like, well where 257 00:11:43,440 --> 00:11:45,440 Speaker 3: am I price matching? And I was like, here's the 258 00:11:45,440 --> 00:11:48,440 Speaker 3: ad for Maya. She was real cagy, but the girl 259 00:11:48,440 --> 00:11:50,600 Speaker 3: beside her was like, yeah, we price match. See, yeah, 260 00:11:50,600 --> 00:11:52,240 Speaker 3: this is how you do it, and showed her anyway. 261 00:11:52,400 --> 00:11:55,280 Speaker 3: I got the discount. I wasn't a GRESSI bubble sent rude. 262 00:11:55,320 --> 00:11:57,720 Speaker 3: I promise she probably didn't like me. I mean, if 263 00:11:57,760 --> 00:11:59,920 Speaker 3: I worked in retail, i'd also be a bit like this. 264 00:12:00,800 --> 00:12:02,199 Speaker 2: But I got the. 265 00:12:02,160 --> 00:12:05,240 Speaker 3: Discount so price matching. I don't know if it works 266 00:12:05,280 --> 00:12:08,000 Speaker 3: for like boxing day sales, where everything is like sale 267 00:12:08,040 --> 00:12:11,000 Speaker 3: price is final and it's super discounted. But if you're 268 00:12:11,000 --> 00:12:14,280 Speaker 3: in David Jones or a different department store and you 269 00:12:14,360 --> 00:12:16,880 Speaker 3: find yourself with a product that you want to purchase, 270 00:12:17,360 --> 00:12:20,800 Speaker 3: google it. Google the podcast, same thing. They care not 271 00:12:20,840 --> 00:12:22,960 Speaker 3: gonna like us. They'll probably never get a sponsorus for 272 00:12:23,000 --> 00:12:25,959 Speaker 3: this reason. George JB Hi Fi do the same thing. Okay, 273 00:12:26,080 --> 00:12:28,120 Speaker 3: So if you're in JB and you're like, I'm gonna 274 00:12:28,120 --> 00:12:31,800 Speaker 3: buy this iPod. Wait, do you still buy iPods still 275 00:12:31,840 --> 00:12:32,160 Speaker 3: for sale? 276 00:12:32,520 --> 00:12:34,840 Speaker 2: iPhone like you could iPhone? 277 00:12:35,040 --> 00:12:39,120 Speaker 3: Yeah, maybe laptops, whatever you're buying. You could be buying 278 00:12:39,120 --> 00:12:42,600 Speaker 3: a podcast, microphone, Google it and see what the cheapest 279 00:12:42,640 --> 00:12:44,400 Speaker 3: price is and then show the guy in the store 280 00:12:44,400 --> 00:12:46,959 Speaker 3: and say, hey, it's one hundred and seventy dollars in store, 281 00:12:46,960 --> 00:12:49,320 Speaker 3: but it was two hundred and forty on your shelves, 282 00:12:49,360 --> 00:12:52,280 Speaker 3: and they'll say, no problem o. Georgia King one hundred 283 00:12:52,320 --> 00:12:54,880 Speaker 3: and seventy bucks for you, which is a money wind. 284 00:12:55,240 --> 00:12:58,079 Speaker 3: So if you're shopping in store, okay, just google it. 285 00:12:58,280 --> 00:13:00,760 Speaker 3: I just feel like that's a good money tick. You're welcome, 286 00:13:00,760 --> 00:13:01,280 Speaker 3: We're done here. 287 00:13:01,280 --> 00:13:04,600 Speaker 2: We're done here. So that was a benefit to shopping 288 00:13:04,640 --> 00:13:06,920 Speaker 2: in store. Then I guess what are the other benefits 289 00:13:06,960 --> 00:13:10,080 Speaker 2: to shopping install? You can try stuff on. That's a bonus. 290 00:13:10,320 --> 00:13:13,560 Speaker 3: Oh, you can try stuff on. Yeah, that's a massive bonus. 291 00:13:13,559 --> 00:13:17,040 Speaker 3: Because I hate measuring myself and like doing the measure charts. 292 00:13:17,320 --> 00:13:19,640 Speaker 3: So most of the time if I'm buying online, I'll 293 00:13:19,679 --> 00:13:23,280 Speaker 3: just buy my standard size and hope it works, and 294 00:13:23,360 --> 00:13:26,400 Speaker 3: sometimes it doesn't, sometimes it does. It's a bit hit 295 00:13:26,480 --> 00:13:29,200 Speaker 3: or miss, and you don't have to wait for the product, which, 296 00:13:29,200 --> 00:13:32,160 Speaker 3: to be honest, I actually like waiting for the product. 297 00:13:32,160 --> 00:13:34,440 Speaker 3: I mean, if I need it immediately, not great, But 298 00:13:34,920 --> 00:13:37,720 Speaker 3: I do usually like waiting for it because I lack anticipation, 299 00:13:37,800 --> 00:13:39,960 Speaker 3: and then I genuinely feel like it's a present for me. 300 00:13:40,160 --> 00:13:42,320 Speaker 3: And you best believe if it's free gift wrapping, I 301 00:13:42,360 --> 00:13:45,600 Speaker 3: have hit that it's a gift button. I have done 302 00:13:45,600 --> 00:13:48,440 Speaker 3: that because it is a gift for me. And also 303 00:13:48,840 --> 00:13:50,840 Speaker 3: you don't have to pay for shipping, which most of 304 00:13:50,880 --> 00:13:53,440 Speaker 3: the time you do if you are shopping online and 305 00:13:53,559 --> 00:13:55,640 Speaker 3: haven't met that like, oh, if you spend more than 306 00:13:55,679 --> 00:13:57,440 Speaker 3: one hundred dollars, it's free shipping amount. 307 00:13:57,679 --> 00:14:00,920 Speaker 2: Okay, yeah, there's a few perks both ways. 308 00:14:01,160 --> 00:14:03,360 Speaker 3: Oh, I mean the other perk, George, is it's fun, 309 00:14:03,600 --> 00:14:05,920 Speaker 3: Like going shopping is fun. Like we're not throwing it 310 00:14:06,000 --> 00:14:08,240 Speaker 3: under the bus because it's the worst thing ever, Like 311 00:14:08,320 --> 00:14:09,800 Speaker 3: I do like going shopping. 312 00:14:10,000 --> 00:14:15,560 Speaker 2: Yeah, yeah, no, no, no, no, you're right, it is fun. 313 00:14:15,679 --> 00:14:18,199 Speaker 2: But I feel like we've just all become so accustomed 314 00:14:18,200 --> 00:14:21,920 Speaker 2: to shopping from the comfort of our couches at any 315 00:14:22,000 --> 00:14:25,200 Speaker 2: time of day or night, and to actually physically go 316 00:14:25,320 --> 00:14:28,840 Speaker 2: to the stores, like I honestly would not consider going 317 00:14:28,880 --> 00:14:31,200 Speaker 2: to the boxing day sales. I honestly didn't really think 318 00:14:31,200 --> 00:14:32,160 Speaker 2: it was a thing anymore. 319 00:14:32,400 --> 00:14:34,560 Speaker 3: But no, it's definitely still a thing. That's why we 320 00:14:34,640 --> 00:14:36,160 Speaker 3: have this entire podcast on it. 321 00:14:36,200 --> 00:14:41,200 Speaker 2: Well, and that's what I learned in researching it today. Okay, 322 00:14:42,000 --> 00:14:45,000 Speaker 2: let's move on to our big top tips for making 323 00:14:45,000 --> 00:14:48,240 Speaker 2: the most of the sales. Obviously, at Cheese on the Money, 324 00:14:48,280 --> 00:14:51,320 Speaker 2: we don't endorse sales as a marketing technique when it 325 00:14:51,360 --> 00:14:55,000 Speaker 2: comes to encouraging us to buy things that we don't 326 00:14:55,040 --> 00:14:58,960 Speaker 2: need for reduced prices just because a gal loves a bargain. 327 00:15:01,120 --> 00:15:04,720 Speaker 2: How can we use these strategically without just throwing our 328 00:15:04,760 --> 00:15:06,880 Speaker 2: money away and sabotaging our savings. 329 00:15:07,040 --> 00:15:10,280 Speaker 3: Well, as I said before, only purchasing things you're planning for. 330 00:15:10,560 --> 00:15:12,600 Speaker 3: And I think that that's where the notes app in 331 00:15:12,640 --> 00:15:15,000 Speaker 3: your phone is really going to play into this and 332 00:15:15,040 --> 00:15:17,680 Speaker 3: be quite helpful. Keep a note, work out what you 333 00:15:17,720 --> 00:15:21,760 Speaker 3: want to purchase. If you've got birthdays coming up in January, February, March, 334 00:15:21,840 --> 00:15:24,320 Speaker 3: maybe this is a really good opportunity to purchase some 335 00:15:24,360 --> 00:15:26,720 Speaker 3: of those gifts so that you can get ahead of 336 00:15:26,720 --> 00:15:28,600 Speaker 3: the game and get a discount on the way, Like, 337 00:15:29,040 --> 00:15:31,280 Speaker 3: if there is a sale coming up, I don't think 338 00:15:31,280 --> 00:15:34,040 Speaker 3: it should necessarily be oh my gosh, I wonder if 339 00:15:34,360 --> 00:15:36,840 Speaker 3: I can buy anything cheap. I think it should actually 340 00:15:36,880 --> 00:15:39,320 Speaker 3: be a little bit more along the lines of like, ooh, 341 00:15:39,840 --> 00:15:43,680 Speaker 3: a sale. Do I need to utilize this opportunity, Like 342 00:15:43,840 --> 00:15:45,960 Speaker 3: is there something that I'm going to need to buy 343 00:15:45,960 --> 00:15:47,880 Speaker 3: in the future that I could get at a discounted 344 00:15:47,960 --> 00:15:50,720 Speaker 3: price because someone's on sale. And I think that that's 345 00:15:50,800 --> 00:15:54,800 Speaker 3: not the way that we mentally usually look at sales. Mentally, 346 00:15:54,840 --> 00:15:57,440 Speaker 3: we go, oh, we can get cheap stuff for ourselves, 347 00:15:57,680 --> 00:16:01,200 Speaker 3: when in reality, like I've got my dad's birthday in January, 348 00:16:01,360 --> 00:16:03,800 Speaker 3: it would be very smart of me to buy his 349 00:16:03,920 --> 00:16:07,280 Speaker 3: present on Boxing Day because that means I could potentially 350 00:16:07,280 --> 00:16:10,360 Speaker 3: get a discount on whatever it is, But it means 351 00:16:10,400 --> 00:16:13,040 Speaker 3: that we need to be planned. So being planned, I 352 00:16:13,080 --> 00:16:16,120 Speaker 3: guess is the biggest tip here and working out what 353 00:16:16,200 --> 00:16:18,520 Speaker 3: expenses have I got coming up? What do I need 354 00:16:18,560 --> 00:16:20,840 Speaker 3: to purchase or is there something I've had my eye on, 355 00:16:21,280 --> 00:16:25,600 Speaker 3: and what is my proposed budget for that item, like 356 00:16:25,800 --> 00:16:28,440 Speaker 3: not just going or what should I buy? 357 00:16:28,920 --> 00:16:29,200 Speaker 2: More. 358 00:16:29,400 --> 00:16:31,720 Speaker 3: Oh, I want to buy my dad a birthday present. 359 00:16:31,800 --> 00:16:34,400 Speaker 3: My budget's fifty dollars. That might mean I could get 360 00:16:34,440 --> 00:16:36,680 Speaker 3: him a better birthday present while still staying within my 361 00:16:36,760 --> 00:16:37,360 Speaker 3: own budget. 362 00:16:37,640 --> 00:16:41,920 Speaker 2: Smart. Smart. I think it's also a good time be 363 00:16:42,040 --> 00:16:46,000 Speaker 2: it to kind of tick those boring big household items 364 00:16:46,000 --> 00:16:48,000 Speaker 2: that you may need to purchase off your list. So 365 00:16:48,040 --> 00:16:52,160 Speaker 2: whether that's like a washing machine or you know, white 366 00:16:52,160 --> 00:16:55,160 Speaker 2: goods that are boring but essential, I mean you can 367 00:16:55,200 --> 00:16:59,040 Speaker 2: also get them off marketplace. So actually abandon abandon this 368 00:16:59,200 --> 00:17:02,800 Speaker 2: unless you're rich, use this sale, but if you're not, 369 00:17:02,920 --> 00:17:06,320 Speaker 2: marketplaces where it's at. That was a helpful tip from me. 370 00:17:06,520 --> 00:17:09,040 Speaker 4: Yeah, So Georgia's tips are don't go to the Boxing 371 00:17:09,119 --> 00:17:11,720 Speaker 4: day sales, go to Vinie's. 372 00:17:11,280 --> 00:17:14,960 Speaker 3: And also jump on Marketplace. It's genius, it's very She's 373 00:17:15,000 --> 00:17:16,480 Speaker 3: on the money of you. Thank you. 374 00:17:17,400 --> 00:17:21,240 Speaker 2: Our next tip, HEV, is to of course do your research, 375 00:17:21,320 --> 00:17:22,000 Speaker 2: talk us through it. 376 00:17:22,280 --> 00:17:26,440 Speaker 3: Go figure. Victoria wants you to do your research. Literally. 377 00:17:26,520 --> 00:17:30,520 Speaker 3: There are so many sites now that colate colate. Who 378 00:17:30,600 --> 00:17:33,280 Speaker 3: am I collate? Colate? Is that how you say it? 379 00:17:33,359 --> 00:17:38,199 Speaker 3: Colgate coldgate? They culgate the best sales that they actually like, 380 00:17:38,240 --> 00:17:41,400 Speaker 3: pull all the best sales together and then they categorize 381 00:17:41,440 --> 00:17:43,320 Speaker 3: them really well so that you can see where to 382 00:17:43,400 --> 00:17:45,879 Speaker 3: find the best deal, which is super helpful. So do 383 00:17:45,920 --> 00:17:48,760 Speaker 3: your research. Find a site like that. I really like 384 00:17:48,880 --> 00:17:51,640 Speaker 3: jumping online and seeing what is up. I'm also really 385 00:17:51,640 --> 00:17:54,360 Speaker 3: good at using Pinterest to save things that I want 386 00:17:54,359 --> 00:17:56,320 Speaker 3: to purchase later, so I know where to go to 387 00:17:56,800 --> 00:17:59,200 Speaker 3: and it's super helpful. So when you head out, you've 388 00:17:59,200 --> 00:18:00,760 Speaker 3: got your shopping list all together. 389 00:18:01,080 --> 00:18:04,280 Speaker 2: What's the deal with Pinterest? Do you need like an account? 390 00:18:04,359 --> 00:18:07,640 Speaker 3: This is not what this episode is about, but yes, 391 00:18:07,680 --> 00:18:09,919 Speaker 3: you do need an Pinterest account to use it. But 392 00:18:09,960 --> 00:18:13,159 Speaker 3: it's free and it's essentially like online pin boards. Like 393 00:18:13,600 --> 00:18:15,480 Speaker 3: it's like a pinboard and you add all the things 394 00:18:15,480 --> 00:18:17,040 Speaker 3: that you want to add to your pin board and 395 00:18:17,080 --> 00:18:18,720 Speaker 3: you can have as many pin boards as you like 396 00:18:18,800 --> 00:18:22,560 Speaker 3: and quite active on Pinterest. Actually okay, not publicly all 397 00:18:22,600 --> 00:18:25,199 Speaker 3: of my things in private, they're just random boards of 398 00:18:25,280 --> 00:18:28,320 Speaker 3: things that I seek inspiration. Is that a thing that 399 00:18:28,359 --> 00:18:30,359 Speaker 3: people want to see? Should we make like a cheese 400 00:18:30,400 --> 00:18:33,359 Speaker 3: on the money? Pinterest's awesome that puzzle? 401 00:18:33,359 --> 00:18:33,880 Speaker 2: Would it be? 402 00:18:34,080 --> 00:18:36,320 Speaker 3: I wonder you've never been on pinterest heavy? 403 00:18:37,400 --> 00:18:42,200 Speaker 2: And let's go to a break back after this victoria divine. 404 00:18:42,359 --> 00:18:46,080 Speaker 2: Our next tip here is to stay calm, keep calm, 405 00:18:46,240 --> 00:18:49,120 Speaker 2: carry on, yes as they as they say, How does 406 00:18:49,160 --> 00:18:50,920 Speaker 2: this help us out when it comes to the sales? 407 00:18:51,359 --> 00:18:54,400 Speaker 3: I just feel like in store there's like this wild 408 00:18:54,600 --> 00:18:58,280 Speaker 3: vibe about the experience where frenzied shopping and spending is 409 00:18:58,280 --> 00:19:01,120 Speaker 3: totally encouraged, and I just feel like it becomes kind 410 00:19:01,160 --> 00:19:03,679 Speaker 3: of like a competition to get the best deal and 411 00:19:03,760 --> 00:19:06,200 Speaker 3: buy the most and I just, yeah, I really don't 412 00:19:06,280 --> 00:19:09,679 Speaker 3: like that. Like it's there's nothing sexy about going to 413 00:19:09,720 --> 00:19:12,160 Speaker 3: the shops and being the one that's carrying the most 414 00:19:12,200 --> 00:19:14,280 Speaker 3: bags at the end of the day, like unless you 415 00:19:14,359 --> 00:19:17,879 Speaker 3: were planning on purchasing a whole heap of cookwar and 416 00:19:17,880 --> 00:19:19,960 Speaker 3: they had to give you multiple bags to carry it. 417 00:19:20,080 --> 00:19:23,200 Speaker 3: Home in I just genuinely feel like there's nothing that 418 00:19:23,440 --> 00:19:26,520 Speaker 3: sexy about buying the most and getting the best deals, 419 00:19:26,560 --> 00:19:30,160 Speaker 3: and like, yes, there is something incredibly sexy about getting 420 00:19:30,160 --> 00:19:32,639 Speaker 3: a discount and getting the best deal on an item 421 00:19:32,680 --> 00:19:35,879 Speaker 3: you already needed, but going, oh my god, gee, these 422 00:19:35,920 --> 00:19:38,880 Speaker 3: shoes they were one hundred dollars originally and I got 423 00:19:38,920 --> 00:19:41,320 Speaker 3: them for fifteen bucks. It's like, great, but did you 424 00:19:41,680 --> 00:19:44,720 Speaker 3: need the shoes? Gee? Because like, that's just fifteen dollars 425 00:19:44,760 --> 00:19:47,240 Speaker 3: you spent that wasn't in line with your values. So 426 00:19:47,680 --> 00:19:50,119 Speaker 3: for me, I think we're trying to really reframe what 427 00:19:50,440 --> 00:19:53,840 Speaker 3: spending and saving actually means because I think too many 428 00:19:53,880 --> 00:19:57,680 Speaker 3: times people get so hooked on the sale price because 429 00:19:57,680 --> 00:20:00,280 Speaker 3: they're like, but it's a massive discount. It's like, but 430 00:20:00,280 --> 00:20:02,840 Speaker 3: if you didn't need it, that's actually a waste of money. 431 00:20:02,960 --> 00:20:04,840 Speaker 2: Yeah, correct, Yeah, So I think. 432 00:20:04,680 --> 00:20:07,240 Speaker 3: That's one of my comments. And then the last bit 433 00:20:07,280 --> 00:20:09,800 Speaker 3: on that g is remember that you're only saving money 434 00:20:09,840 --> 00:20:12,280 Speaker 3: if you're using their sale items and they're actually things 435 00:20:12,359 --> 00:20:14,640 Speaker 3: that you actually need and it was a planned purchase, 436 00:20:14,800 --> 00:20:17,960 Speaker 3: Like it's not. Yeah, Anyway, I won't go on about 437 00:20:17,960 --> 00:20:20,560 Speaker 3: that because you guys have heard it all from me before. 438 00:20:20,840 --> 00:20:24,399 Speaker 2: In terms of staying calme, though, v that's hard to 439 00:20:24,440 --> 00:20:27,639 Speaker 2: do when you're at the shops and it's like sensory overload. 440 00:20:27,720 --> 00:20:31,040 Speaker 2: The music is pumping, there's like lights flashing everywhere, there's 441 00:20:31,080 --> 00:20:33,240 Speaker 2: people wanting to get in your ear and tell you 442 00:20:33,280 --> 00:20:36,199 Speaker 2: all about the hottest deals. Like, what are our tips 443 00:20:36,200 --> 00:20:39,720 Speaker 2: for shutting that out? Should we shop with earphones sunglasses on? 444 00:20:39,880 --> 00:20:41,359 Speaker 2: I'm not sure what are we thinking? 445 00:20:42,119 --> 00:20:45,119 Speaker 3: I don't know. I'm not gonna give tips on that, 446 00:20:45,359 --> 00:20:47,800 Speaker 3: but I just feel like that's not your vibe. 447 00:20:48,000 --> 00:20:51,639 Speaker 2: Just don't go, okay, is that bad? 448 00:20:51,680 --> 00:20:54,240 Speaker 3: I don't know. Just don't go like that would give 449 00:20:54,240 --> 00:20:57,600 Speaker 3: me mad anxiety. I would not like that situation at all. 450 00:20:58,119 --> 00:21:00,480 Speaker 3: And yeah, I will see you guys later. Have fun. 451 00:21:00,720 --> 00:21:02,359 Speaker 3: I'll catch up with you for a coffee after. 452 00:21:02,600 --> 00:21:04,720 Speaker 2: Yeah, wholesome. I think you should just pop in some 453 00:21:04,840 --> 00:21:08,959 Speaker 2: like Bonaver and walk the chaotic holes of Chadstone and 454 00:21:09,040 --> 00:21:10,760 Speaker 2: just make a day of it, you reckon. I think 455 00:21:10,800 --> 00:21:12,760 Speaker 2: it could be calm. I think so. I think it 456 00:21:12,760 --> 00:21:17,040 Speaker 2: would be better than listening to like Olivia Rodrigo blasted it. 457 00:21:17,400 --> 00:21:20,639 Speaker 2: You know that was a young reference from George. I'm 458 00:21:20,640 --> 00:21:21,359 Speaker 2: pretty fancy. 459 00:21:21,400 --> 00:21:23,720 Speaker 3: I was about to say it thank you. 460 00:21:23,760 --> 00:21:25,320 Speaker 2: I know it felt weird coming out of my mouth. 461 00:21:25,359 --> 00:21:30,200 Speaker 3: This episode is actually relatively manic for us. I'm enjoying it, 462 00:21:30,800 --> 00:21:33,200 Speaker 3: enjoying it, but can you tell we're both just super 463 00:21:33,240 --> 00:21:35,600 Speaker 3: excited for a bit of a break and super excited 464 00:21:35,640 --> 00:21:38,439 Speaker 3: for Christmas. We're talking about sales and we're like, guys, 465 00:21:38,520 --> 00:21:41,120 Speaker 3: live within your values. I hope you've enjoyed this episode. 466 00:21:41,160 --> 00:21:43,680 Speaker 3: Is that I don't know. Maybe they'll love it, maybe 467 00:21:43,720 --> 00:21:44,480 Speaker 3: they won't love it. 468 00:21:44,840 --> 00:21:47,960 Speaker 2: Yeah, time will tell. Okay. Our next tip B is 469 00:21:48,000 --> 00:21:53,040 Speaker 2: to avoid temptation and to not shop mindlessly. This is 470 00:21:53,080 --> 00:21:55,959 Speaker 2: why I think shopping online is a smarter idea than 471 00:21:56,040 --> 00:22:00,200 Speaker 2: shopping in store, because it does help you avoid being suck. 472 00:22:00,160 --> 00:22:03,040 Speaker 3: In to those spontaneous purchases that we don't need absolutely, 473 00:22:03,080 --> 00:22:04,760 Speaker 3: and I think that that is a very good tip. 474 00:22:04,840 --> 00:22:07,879 Speaker 3: At the end of the day, Boxing Day was not 475 00:22:08,200 --> 00:22:12,520 Speaker 3: invented to save you money personally. It was designed to 476 00:22:12,560 --> 00:22:15,640 Speaker 3: help retailers make money. So I think we all need 477 00:22:15,640 --> 00:22:18,119 Speaker 3: to remind ourselves of that throughout the day. If you're 478 00:22:18,240 --> 00:22:20,600 Speaker 3: tempted for an item that you don't really need. 479 00:22:20,800 --> 00:22:24,359 Speaker 2: Yeah, one hundred percent. Our last tip here VD is 480 00:22:24,400 --> 00:22:27,440 Speaker 2: to remember that Boxing Day it's not really just a day. 481 00:22:27,480 --> 00:22:30,199 Speaker 2: It's more like a day that extends onto week, and 482 00:22:30,200 --> 00:22:32,000 Speaker 2: then weeks and then even into January. 483 00:22:32,040 --> 00:22:34,640 Speaker 3: You know, I remember when Boxing Day was literally a day. 484 00:22:34,720 --> 00:22:38,000 Speaker 3: It is not like that anymore. So do remember that 485 00:22:38,560 --> 00:22:41,040 Speaker 3: there's no rush. You don't need to buy everything on 486 00:22:41,119 --> 00:22:43,840 Speaker 3: that day. But if you are planning on purchasing something, 487 00:22:43,880 --> 00:22:46,600 Speaker 3: I would genuinely jump on early, get it done, get 488 00:22:46,640 --> 00:22:49,200 Speaker 3: it out of mind, and not think about it again. 489 00:22:49,200 --> 00:22:52,919 Speaker 2: Love it before we head off. V You always encourage 490 00:22:53,000 --> 00:22:56,040 Speaker 2: us to put twenty four hours between ourselves and our purchases, 491 00:22:56,119 --> 00:22:58,720 Speaker 2: to kind of move away from that instant gratification and 492 00:22:59,040 --> 00:23:01,560 Speaker 2: you know, take away the emotion from it. I guess 493 00:23:01,760 --> 00:23:03,919 Speaker 2: how does that rule apply when it comes to events 494 00:23:04,000 --> 00:23:04,880 Speaker 2: sales like this? 495 00:23:05,160 --> 00:23:07,320 Speaker 3: So I think you should already have been planning this. So, 496 00:23:07,440 --> 00:23:09,480 Speaker 3: for example, next year, I'm going to one of my 497 00:23:09,560 --> 00:23:12,439 Speaker 3: best friend's weddings and I need a silver pair of 498 00:23:12,560 --> 00:23:15,119 Speaker 3: strappy shoes to wear for the wedding. So I've already 499 00:23:15,119 --> 00:23:17,160 Speaker 3: been looking online. I kind of know what I want, 500 00:23:17,200 --> 00:23:20,240 Speaker 3: and I'm making the plans, but I'll probably pick them 501 00:23:20,280 --> 00:23:22,159 Speaker 3: up on Boxing Day sale when I'm picking up my 502 00:23:22,240 --> 00:23:25,840 Speaker 3: outdoor setting because I need those things. But I've been 503 00:23:25,840 --> 00:23:27,840 Speaker 3: thinking about that for way more than twenty four hours, 504 00:23:27,840 --> 00:23:31,040 Speaker 3: because that's a planned purchase. When we say put twenty 505 00:23:31,040 --> 00:23:33,439 Speaker 3: four hours between you and you're spending, it's not for 506 00:23:33,600 --> 00:23:37,119 Speaker 3: planned purchases. It's for those impulse purchases that you really 507 00:23:37,160 --> 00:23:39,920 Speaker 3: want to make in the moment. And that's when i'd say, 508 00:23:40,000 --> 00:23:42,040 Speaker 3: either put twenty four hours between you and your spending, 509 00:23:42,119 --> 00:23:44,320 Speaker 3: or if you're like, hey, this discount is just too good, 510 00:23:44,720 --> 00:23:47,240 Speaker 3: have a look at what the returns policy is. Because 511 00:23:47,280 --> 00:23:50,719 Speaker 3: the returns policy, if you can return it, great, that 512 00:23:50,840 --> 00:23:53,200 Speaker 3: might be a really good option for you. But more 513 00:23:53,240 --> 00:23:57,000 Speaker 3: often than not, when sales happens, there's no refunds or 514 00:23:57,000 --> 00:24:00,879 Speaker 3: no returns on sale items, and often when you realize that, 515 00:24:00,920 --> 00:24:02,720 Speaker 3: you'll be like, hold on, maybe I don't want this 516 00:24:02,800 --> 00:24:05,320 Speaker 3: as much as I can because that opportunity is being 517 00:24:05,359 --> 00:24:07,840 Speaker 3: taken away from me and I don't feel as certain 518 00:24:07,920 --> 00:24:11,040 Speaker 3: in that purchases as I did before. So again, just 519 00:24:11,080 --> 00:24:13,200 Speaker 3: making sure that you're making purchases that are in line 520 00:24:13,240 --> 00:24:16,240 Speaker 3: with your values. Another thing that I have found really 521 00:24:16,280 --> 00:24:18,840 Speaker 3: helpful when I really want something but I know it's 522 00:24:18,840 --> 00:24:21,520 Speaker 3: in the moment, is I take a quick picture of it, 523 00:24:21,560 --> 00:24:23,680 Speaker 3: so it's on my phone, so I can't forget it, 524 00:24:23,840 --> 00:24:25,240 Speaker 3: and then I can go back to it, look at 525 00:24:25,240 --> 00:24:26,639 Speaker 3: it and be like do I really want that? And 526 00:24:26,680 --> 00:24:29,000 Speaker 3: I might just go back before I finish the final 527 00:24:29,080 --> 00:24:31,960 Speaker 3: shop or something. But in a perfect world, we put 528 00:24:31,960 --> 00:24:34,719 Speaker 3: a minimum of twenty four hours between us and our spending. 529 00:24:35,080 --> 00:24:38,120 Speaker 2: Stunning, all right, So to wrap up today, we need 530 00:24:38,160 --> 00:24:41,239 Speaker 2: to write our lists and check them twice. We need 531 00:24:41,280 --> 00:24:43,479 Speaker 2: to do our research. We need to stay come and 532 00:24:43,520 --> 00:24:46,640 Speaker 2: get the bon avert on the playlist while we're shopping around. 533 00:24:46,920 --> 00:24:50,159 Speaker 2: We need to avoid spontaneous purchases, and we need to 534 00:24:50,200 --> 00:24:52,880 Speaker 2: remember that the sales will likely go on for longer 535 00:24:52,920 --> 00:24:55,679 Speaker 2: than just December twenty sixth, So let's not be frenzied 536 00:24:55,720 --> 00:24:57,600 Speaker 2: about it. Let's not feel the pressure to buy. Bye 537 00:24:57,600 --> 00:24:59,760 Speaker 2: bye fee lord. I think that is all we have. 538 00:24:59,720 --> 00:25:02,840 Speaker 3: Time, it is, and I think the last thing I 539 00:25:02,840 --> 00:25:05,240 Speaker 3: want to leave you guys with is there's always going 540 00:25:05,320 --> 00:25:08,200 Speaker 3: to be another opportunity. There will always be another sale. 541 00:25:08,240 --> 00:25:11,320 Speaker 3: There will always be another opportunity for you to purchase something. 542 00:25:11,359 --> 00:25:13,600 Speaker 3: It doesn't have to happen on that sale day. So 543 00:25:13,680 --> 00:25:16,000 Speaker 3: I think we need to step out of that frenzied 544 00:25:16,080 --> 00:25:17,640 Speaker 3: feeling of like, oh my gosh, I need to get 545 00:25:17,640 --> 00:25:20,240 Speaker 3: it now though it's on sale, like there will always 546 00:25:20,240 --> 00:25:22,960 Speaker 3: be another opportunity. I promise you that, my friends. But 547 00:25:23,640 --> 00:25:25,720 Speaker 3: with that g I think that's all we have time 548 00:25:25,760 --> 00:25:28,720 Speaker 3: for today. So just before we head off, we'd like 549 00:25:28,760 --> 00:25:32,240 Speaker 3: to acknowledge and pay respect to Australia's Aboriginal and Torrestraight 550 00:25:32,320 --> 00:25:35,840 Speaker 3: Islander peoples. They're the traditional custodians of the lands, the 551 00:25:35,880 --> 00:25:39,359 Speaker 3: waterways and the skies all across Australia. We thank you 552 00:25:39,440 --> 00:25:41,520 Speaker 3: for sharing and for caring for the land on which 553 00:25:41,520 --> 00:25:44,040 Speaker 3: we are able to learn. We pay respects to elders 554 00:25:44,040 --> 00:25:47,240 Speaker 3: past and present, and we share our friendship and our kindness. 555 00:25:47,320 --> 00:25:49,639 Speaker 2: And to remember, guys, that the advice shared on She's 556 00:25:49,680 --> 00:25:52,080 Speaker 2: on the Money is general in nature and does not 557 00:25:52,160 --> 00:25:56,359 Speaker 2: consider your individual circumstances. She's on the Money exists purely 558 00:25:56,480 --> 00:25:59,320 Speaker 2: for educational purposes and should not be relied upon to 559 00:25:59,359 --> 00:26:03,120 Speaker 2: make it investment or a financial decision, and we promise. 560 00:26:03,240 --> 00:26:07,119 Speaker 2: Victoria Divine is an authorized representative of Australia Pacific Funds 561 00:26:07,119 --> 00:26:10,520 Speaker 2: Management Proprietary Limited a b N three four one three 562 00:26:10,560 --> 00:26:13,760 Speaker 2: two four six three two five seven APHSEL three three 563 00:26:13,840 --> 00:26:14,840 Speaker 2: nine one five. 564 00:26:14,720 --> 00:26:19,520 Speaker 3: One See you next week. Guys, Happy shopping, bye, Happy Christmas. 565 00:26:19,520 --> 00:26:23,800 Speaker 1: Bye.