Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through.
Speaker 2: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money podcast for
Speaker 4: people who love a bargain. My name is Becksided and
Speaker 4: as usual, I'm joined by Victoria Divine.
Speaker 5: Hello, Bet Divine Victoria.
Speaker 1: I am very excited about this episode because anything I
Speaker 1: love a little bargain and one of the biggest bargain
Speaker 1: days ever is coming up. And people have already been
Speaker 1: dming me. They're like, Victoria, I don't mean to enable you,
Speaker 1: but look at this list of discounts. I'm like, look,
Speaker 1: I'm probably not gonna post it to my stories, but
Speaker 1: I am going to do a little sneaky screenshot so
Speaker 1: I can save it for myself for later. Yes, So
Speaker 1: like not mad, just kind of trying not to enable
Speaker 1: the rest of the community because I think so many
Speaker 1: of us are a little bit like tap happy, and
Speaker 1: spending is like really hard to control when there's a
Speaker 1: big sale. So what are we talking about today? Beck?
Speaker 4: Okay, So it's a dangerous time of year. We are
Speaker 4: talking about Black Friday. We are the slippery slope. And
Speaker 4: if you have even an ounce of self control, I
Speaker 4: feel like you're kind of safe. But I don't, and
Speaker 4: anyone like I don't.
Speaker 5: I don't have any need to.
Speaker 1: Do I because I got ADHD. You know, there's so
Speaker 1: many people in the same boat as us, But we
Speaker 1: should not have been put on a podcast together, like
Speaker 1: who did this?
Speaker 5: A financial Potrida did this?
Speaker 1: I did this. When picking a new co host, I
Speaker 1: was like, Beck, do you want to come on the pod?
Speaker 1: And You're like yes, And now we just like get
Speaker 1: together and vibe off each other. And I don't do
Speaker 1: any work.
Speaker 5: We're very bad influence.
Speaker 1: Let's go shopping.
Speaker 5: But we have touched on Black.
Speaker 4: Friday before, and I wonder what actually is it all right?
Speaker 1: So Black Friday actually originated in America, which I've just
Speaker 1: come back from, and is a huge sale that is
Speaker 1: post their Thanksgiving. It's held on the fourth Friday of
Speaker 1: November each and every single year, and officially finishes on
Speaker 1: the following Monday, which they call Cyber Monday. Nowadays, it's
Speaker 1: obviously now grown beyond America and is an international event
Speaker 1: that spans long past the last Friday in November. Because
Speaker 1: if brands are good at anything, it is milking a
Speaker 1: sale that drives revenue. It's like, if I had a
Speaker 1: product based business, I'd be like, well, Black Friday every
Speaker 1: day back, but you might actually start seeing sales advertised
Speaker 1: at the beginning of November or even earlier than that.
Speaker 1: I feel like I've been seeing all of these posts
Speaker 1: and people have been sending me like Black Friday cheat
Speaker 1: codes and stuff since early October, so I don't think
Speaker 1: it is uncommon for them to start early. But like,
Speaker 1: if again, I had a product based business, you best
Speaker 1: believe I'd be like, hey, Beck, we're having a sale.
Speaker 1: Keep an eye out, you know.
Speaker 5: Yes, very very cheeky and effective.
Speaker 4: Yeah it is one recent of the time, but yes
Speaker 4: it is a very hectic time of year and it
Speaker 4: is coming up soon, so it can be quite overwhelming
Speaker 4: for a lot of people, especially if you've been saving
Speaker 4: and you feel like this urge to just spend, spend, spend,
Speaker 4: especially because it's like, oh, well, it's just one time
Speaker 4: of year where everything I want is on special.
Speaker 5: So it may as well spend.
Speaker 1: But it's probably not.
Speaker 5: Maybe as smart as we it's not.
Speaker 1: We can be smart, though, can It's what we do
Speaker 1: in the She's on the Money community totally. We absolutely
Speaker 1: need to be smart with this because even though people
Speaker 1: are sending me the cheat codes and people are letting
Speaker 1: me know that these sales are happening, I actually have
Speaker 1: a little list in my phone of things I want
Speaker 1: to purchase because it's no secret now that I'm having
Speaker 1: a baby next year. Yes, they're so expensive bet so
Speaker 1: I've got like this list of things that I know
Speaker 1: I need to purchase. But my plan is to purchase
Speaker 1: them during the Black Friday sales because I've heard on
Speaker 1: the grapevine that's like the best discount I can get
Speaker 1: for the products I'm looking for. So, like, I think
Speaker 1: we need to have a bit of a plan going
Speaker 1: into it.
Speaker 4: Okay, I did want to touch on the amount that
Speaker 4: we spend. I want to know, like, how much you
Speaker 4: think we spend on average.
Speaker 5: On Black Friday?
Speaker 1: Many many, many, many many dollars, so many dollar rus
Speaker 1: So NAB did some research last year and the NAB
Speaker 1: transaction data from last year's Black Friday show to the
Speaker 1: following beck, I've got three dot points for you. Australia
Speaker 1: spent a whopping seven point one billion dollars billion, nearly
Speaker 1: one billion dollar more than was predicted by the Australian
Speaker 1: Retailers Associate. NAB says the biggest spend increase happened in
Speaker 1: Victoria and Tasmania up twenty percent, followed by ACT and
Speaker 1: WA up seventeen and twelve percent respectively. In fact, the
Speaker 1: AARA says we get twenty five percent of our Christmas
Speaker 1: shopping done and dusted, oh Black Friday. Which that's smart
Speaker 1: people doing smart things.
Speaker 5: Yeah, that's the sounds are bad.
Speaker 1: Christmas spending is expensive. Why do you think we're talking
Speaker 1: about this now?
Speaker 5: Huh oh smart, We're.
Speaker 1: Smart, but we also want you to get your ducks
Speaker 1: in a row and if you can save some money
Speaker 1: going into arguably the most expensive period of the year.
Speaker 1: Like I want you to have all the tips and
Speaker 1: tricks and tools, so I guess you are empowered instead
Speaker 1: of being disempowered during this period of time because like
Speaker 1: so many of us regret spending. But if we have
Speaker 1: a plan and you're spending on things that you arguably
Speaker 1: had to anyway, is that not a money winback.
Speaker 4: I'm just curious though, like, are these sales good or
Speaker 4: is it just like the way it's marketed to us,
Speaker 4: like we actually saving money? Or is it just the
Speaker 4: way that like our brains work.
Speaker 1: Why not? So the A Triple C. This is real
Speaker 1: snaky beck.
Speaker 6: Okay.
Speaker 1: They say that some retailers increase prices for a short
Speaker 1: period immediately before their sales periods in order to justify
Speaker 1: their discount claims during the sales. Unacceptable, that'scting. That is
Speaker 1: not cool. That's why the A Triple C is stepping
Speaker 1: in there. What's more is that Black Friday can be
Speaker 1: very costly for the environment, which I think we need
Speaker 1: to touch on as well. Yes, because according to a
Speaker 1: study done by money dot co dot UK, black Friday
Speaker 1: in the UK alone was expected to emit three hundred
Speaker 1: and eighty six thousand, two hundred and forty three tons
Speaker 1: of greenhouse gas emissions, which is the same weight as
Speaker 1: three thousand, six hundred and seventy nine blue whales. Oh
Speaker 1: that's a lot of whales.
Speaker 5: That's a lot of whales.
Speaker 1: So from my perspective, it is worth questioning what the
Speaker 1: true cost of these sales because as much as we
Speaker 1: can save some dollar us, especially on things we were
Speaker 1: going to buy anyway, there's clearly a overspend happening, regardless
Speaker 1: of whether you're kind of justifying it, Oh, it's for
Speaker 1: Christmas or whatnot. Like we all know that you're not
Speaker 1: just buying clothes and apparel for Christmas, you know, come
Speaker 1: on to you. We can justify it so far, but like,
Speaker 1: let's be reasonable too, yes, exactly.
Speaker 4: Wow, are you actually making me question a lot of
Speaker 4: my recent purchases, which is.
Speaker 1: Probably sorry, no, it's probably good. But I think, why
Speaker 1: aren't your questioning the vape purchasers? Weird?
Speaker 5: Oh look that's the one that I like too.
Speaker 1: That's an investment, according to you, into shortening.
Speaker 4: Your life anyway, move on exactly, which actually is going
Speaker 4: to save money because you.
Speaker 1: Know what, if you would like something to be reframed,
Speaker 1: we're going to start a new segment on the show
Speaker 1: called Reframed by Beck, she would take your shitty life
Speaker 1: situation and make it look amazing.
Speaker 4: Make it positive exactly. I think it's a really good
Speaker 4: place to quickly ponder. Let's go on a quick break.
Speaker 1: T you're gonna have a bait.
Speaker 4: I'm gonna have a babe, We're gonna have a tea
Speaker 4: god with so in sync.
Speaker 1: No, we're not in sync. I'm not on that page back.
Speaker 5: You're not gonna vape. That's true.
Speaker 4: All right, let's have a quick break, and then once
Speaker 4: we come back, we're gonna help you get the most
Speaker 4: out of Black Friday deals without the regret sligh. Okay,
Speaker 4: we are back in black No, you didn't Friday.
Speaker 1: Yeah I knew where that was going.
Speaker 4: I just want everyone to know, everyone listening, that wasn't
Speaker 4: my joke, our producer, No, do not try.
Speaker 5: I would never say something so bad.
Speaker 1: Yes you would.
Speaker 5: I would actually.
Speaker 4: But we are back, and we're talking about Black Friday,
Speaker 4: and it can be very tempting to see a good
Speaker 4: sale and throw cash into it immediately without thinking. So
Speaker 4: how important is it to go into this period with
Speaker 4: a plan.
Speaker 1: I would say very important. I mean I am an
Speaker 1: ex financial plan nerve. So if you ask me if
Speaker 1: a plan is essential, and then I say no, it's
Speaker 1: invalidating my entire career. So we're gonna go and say yes,
Speaker 1: the plan is essential. But I have some stats and
Speaker 1: facts to back up why I say that.
Speaker 5: Let's go there.
Speaker 1: So a self financial study recently showed that forty two
Speaker 1: percent of people actually ended up regretting their Black Friday
Speaker 1: sales purchases. No surprise is there. A lot of items
Speaker 1: on sale on Black Friday are arguably unnecessary, unwanted, cheap
Speaker 1: goods made from poor quality, unsustainable materials, and we can
Speaker 1: be duped into buying things that we don't actually want
Speaker 1: because of urgency traps and FOMO and unethical practices from retailers.
Speaker 1: How many times on the show Beck have I said
Speaker 1: put twenty four hours between you and you're spending. Many times,
Speaker 1: many times no one listens. That's why we're still here.
Speaker 1: But I think it's really important on Black Friday, especially
Speaker 1: to remember that the sale will probably still be there tomorrow,
Speaker 1: and if you are making a plan to purchase, then
Speaker 1: you're putting more than twenty four hours between you and
Speaker 1: your spending. So like, give a little bit of context here.
Speaker 1: There are a few things that I really want from
Speaker 1: a and say high end retailer, but like they're middle
Speaker 1: Like they're a furniture company, and I know that they
Speaker 1: usually have a thirty percent off sale during Black Friday,
Speaker 1: and I want to purchase from them this little bookcase
Speaker 1: they have and like a chest of draws for my nursery, right,
Speaker 1: so I know that's what I want to purchase, and
Speaker 1: going in, I'm already planning that I know where they're
Speaker 1: going to go. I'm a psycho, so I have got
Speaker 1: the masking tape out and put it on the floor
Speaker 1: in the nursery just to make sure that it fits.
Speaker 1: But it's one of those things where I've planned this
Speaker 1: purchase so I will on Black Friday make a really
Speaker 1: big purchase. But I've known for weeks that that's what
Speaker 1: I want to do, and I want you to be
Speaker 1: in the same position totally. I don't actually want you
Speaker 1: and no shade to the Iconic. I'm obsessed with the Iconic,
Speaker 1: but it's like going into Kmart, I cannot walk away
Speaker 1: from that app with the one thing I went there for,
Speaker 1: Like I have to go on to the Iconic and
Speaker 1: then I put one thing in my bag and then
Speaker 1: it's like you might like this. I'm like, how did
Speaker 1: you know?
Speaker 5: How?
Speaker 1: I need that too?
Speaker 5: You know me so well, you know me so well.
Speaker 1: I love you guys, and then I end up spending
Speaker 1: so much more. We need to be really cautious of
Speaker 1: that happening on the platforms that we already are comfortable
Speaker 1: with that are gonna have even better sales because you
Speaker 1: just know the Iconic is gonna have a sleigh sale
Speaker 1: right totally. This isn't sponsored. I just know what's gonna happen.
Speaker 5: We just know we can always right, just know.
Speaker 1: So I think it's really important to understand that. But
Speaker 1: in combination with all of that, Commonwealth Bank card data
Speaker 1: is showing that we are actually spending individually approximately five
Speaker 1: hundred dollars each on Black Friday sales. So that's five
Speaker 1: hundred bucks, from my perspective, straight down the drain for
Speaker 1: nearly half of all of us every single year. So
Speaker 1: five hundred dollars that gets wasted when the cost of
Speaker 1: living crisis is so high, I think is exorbitant. So
Speaker 1: will I be making a five hundred dollar purchase this
Speaker 1: Black Friday? Yes?
Speaker 5: But the takeaway is yes, we will be spending wee.
Speaker 1: No, But it's also really important to go okay, cool, Yes,
Speaker 1: they collect all of this awesome data and say, oh,
Speaker 1: I'm Black Friday back. We can see that people spend more.
Speaker 1: Sure are those people spending more because they're like me
Speaker 1: and they're priming these purchases and going, well, I'm not
Speaker 1: going to buy it when I know in a couple
Speaker 1: of weeks Black Friday is going to happen and I'm
Speaker 1: going to get thirty percent off those goods that I
Speaker 1: was going to buy anyway, in which case I'm happy
Speaker 1: to be part of that number. I don't mind. But
Speaker 1: is it us spending five hundred dollars because it was
Speaker 1: one am? I got another notification in my emails when
Speaker 1: I was meant to be sleeping, but I was scrolling TikTok,
Speaker 1: I clicked it, I went to the iconic and went
Speaker 1: down a rabbit hole and now I have a new wardrobe.
Speaker 5: Is that what happened?
Speaker 1: Or did I actually plan that purchase? So we need
Speaker 1: to be really careful that we know the difference between
Speaker 1: the two. And obviously there are some tips and tricks
Speaker 1: to avoid that slippery slope.
Speaker 5: Yes, absolutely great advice.
Speaker 2: Fee.
Speaker 1: I'm just here trying my best, you know, and your
Speaker 1: best is good enough. Sometimes my best is not good enough,
Speaker 1: but today it will do.
Speaker 4: Personally, I can't afford to just drop five hundred dollars
Speaker 4: or some crappy sometimes not crappy.
Speaker 1: Just most people can't just FYI like, it's not actually
Speaker 1: normal to re I guess iterate this. I've said this
Speaker 1: on the podcast before as well. The average Australian does
Speaker 1: not have access to five hundred dollars in an emergency. Yes,
Speaker 1: so the fact that we are then spending five hundred
Speaker 1: dollars during Black Friday sales that we might not have,
Speaker 1: especially when you're saying I can't afford to spend five
Speaker 1: hundred bucks feet on just stuff that I didn't need,
Speaker 1: well that makes sense because most Australians don't have access
Speaker 1: to five hundred dollars in an emergency if they're like
Speaker 1: car tires, blue or something, so I just in a
Speaker 1: cost of living crisis. It just blows my mind how
Speaker 1: much we are spending. At the same time as being like, oh,
Speaker 1: I kind of get it if you're like me and
Speaker 1: you're planning your purchases. But that's why we need to
Speaker 1: talk about it. Yeah, like it's not all bad. As
Speaker 1: I said earlier, some of us are actually, like, you know,
Speaker 1: knocking off what twenty five percent of our Christmas shopping
Speaker 1: during this period, And that's to me quite smart because
Speaker 1: you were going to spend that anyway.
Speaker 5: Yes, So okay, how do we plan this? What does
Speaker 5: that look like? Okay?
Speaker 1: So I have written down a list. I have like
Speaker 1: maybe seven or eight dot points. As you guys know,
Speaker 1: I love a dot point because we can be efficient
Speaker 1: and quick and get the information in your ear holes
Speaker 1: as soon as possible. So first things first, I've written
Speaker 1: down make a list of items that you want to purchase.
Speaker 1: If you're like me, you have an album on your
Speaker 1: phone where you have screenshop people's tiktoks of stuff that
Speaker 1: you want, Yes, play great. Is there something you've been
Speaker 1: saving up for and you can actually get for a
Speaker 1: cheaper price during this period of time? Do you actually
Speaker 1: have a list of presents that you want to buy
Speaker 1: and get during this time? If you say no, but
Speaker 1: you do Christmas shopping, now is the time to do
Speaker 1: a Christmas buying list. There's a free Christmas shopping list
Speaker 1: on our website if you want to go download it
Speaker 1: where it says, put down all of your friends and
Speaker 1: family names, how much is your budget, what are you
Speaker 1: purchasing for them? How could that work? And I think
Speaker 1: that that can really help you go wow, like, oh,
Speaker 1: I allocated fifty bucks to each person, because in your
Speaker 1: head that's not that much. And then when you see
Speaker 1: it compounded and the list of names down the side
Speaker 1: of the page, and you go, that's now one thousand
Speaker 1: dollars on Christmas, you might go back to the drawing
Speaker 1: board and be like, do you know what We're going
Speaker 1: to do some DIY. We're going to make Christmas cards
Speaker 1: this year. And I think that that's really important because
Speaker 1: it's November, right, Like, we want to be getting ahead
Speaker 1: of the game. And you know, Jess and I you
Speaker 1: guys know, Jess, we have some crafty little DIY Christmas
Speaker 1: presents that you can make this year that I am
Speaker 1: making this year that I think will work really well.
Speaker 1: But I think we need to just be a little
Speaker 1: bit more planned. Right again, we're in the middle of
Speaker 1: a cost of living crisis. We should be caring about
Speaker 1: what we're spending because at the end of the day,
Speaker 1: every single dollar counts. The next we're going to do
Speaker 1: our research. As I said before, they can be fake
Speaker 1: price drops. So if there is an item that you
Speaker 1: have in mind, start doing your research now and what
Speaker 1: it's going to cost and what kind of deal you
Speaker 1: could potentially get. This is my favorite. I'm going to
Speaker 1: recommend a product, but it's like not sponsored. Sure, I
Speaker 1: feel like on the podcast we recommend a lot of stuff.
Speaker 1: None of it's sponsored unless I tell you it is.
Speaker 1: My friends, I just like sharing. The next year is
Speaker 1: we're going to unsubscribe from our emails. I'm really sorry.
Speaker 1: As I said to you before, Iconic, I am deeply
Speaker 1: in love with you, but I need you to stop
Speaker 1: emailing me. I really do. It's not working because I
Speaker 1: will click the email, I will go through. I do
Speaker 1: need to see what is now on sale. They're too good,
Speaker 1: I do, right, I know. But the company that I
Speaker 1: want to recommend is actually just a website. It's called
Speaker 1: unrolled dot me. Oh, and it is a website for
Speaker 1: decluttering your inbox and it's so so easy. Basically, you
Speaker 1: can unsubscribe from unwanted emails and keep the ones that
Speaker 1: you do want. It's an app right that you like install,
Speaker 1: connect to your emails and then it goes through and
Speaker 1: you just tick boxes and it unsubscribes for you, so
Speaker 1: you don't have to do it individually, like does it
Speaker 1: on a bulk?
Speaker 5: So convenient.
Speaker 1: It kind of like goes, hey, here are all the
Speaker 1: marketing emails that we've identified. Do you want us to
Speaker 1: unsubscribe from all of them? And then you untick the
Speaker 1: ones you want to keep and then unsubscribe from the rest.
Speaker 5: That is so convenient, kay right? I love that.
Speaker 1: The next is consider quality purchases only, so making sure
Speaker 1: that if you're gonna buy something is actually gonna last
Speaker 1: back or is it just a cute top that you're
Speaker 1: going to get one way out of and then it's going.
Speaker 5: To fall apart?
Speaker 2: Right?
Speaker 1: Not a sleigh? No, ask yourself would you actually pay
Speaker 1: full price for this? If the answer is no, I
Speaker 1: want you to rethink your purchase before actually completing it,
Speaker 1: because if you wouldn't pay full price, why are you
Speaker 1: buying in the first place.
Speaker 5: That's a very good point, like if I.
Speaker 1: Wouldn't spend the entire amount, I clearly don't like it
Speaker 1: that much.
Speaker 5: Yeah, you don't need it, you don't really want it? No, Yeah,
Speaker 5: it's a really.
Speaker 1: Good point again. Put twenty four hours between you and
Speaker 1: your spending. I couldn't say that enough. For people who
Speaker 1: are a little bit impulsive, this really helps. Even if
Speaker 1: the sale says it's sending in six hours, most of
Speaker 1: the time they end up getting extended because do you
Speaker 1: know what retailer is like money coming in the doorback. Yes,
Speaker 1: so they're gonna be like, oh, we've just extended this sale.
Speaker 1: What a surprise. We just thought of this idea right now.
Speaker 5: No one saw it coming, not even saw it.
Speaker 1: Coming, not even us or our marketing strategy that we
Speaker 1: put together twelve months ago for this, like they absolutely
Speaker 1: knew what they were doing. Then check the quality of
Speaker 1: like components and tech items. Often retailers will actually sell
Speaker 1: similar models at a lower but minus the features and
Speaker 1: the high quality components. So like, if you're buying a TV,
Speaker 1: it might be LED versus the O LED, And if
Speaker 1: you know anything about TVs, you know one of those
Speaker 1: is better than the other. And I can't remember which
Speaker 1: is which. You would have to ask my husband. But
Speaker 1: that is a rant that he has been on before.
Speaker 5: I see, yeah, he's ready.
Speaker 1: Yeah, that's a Steve tip. You welcome. And the next
Speaker 1: this is going to be absolutely no surprise to anybody.
Speaker 1: Don't use after pay, don't like it's terrible idea.
Speaker 5: That's right, it's terrible idea because it is.
Speaker 1: A slippery slope. It is a slippery slope. And only
Speaker 1: use after pay if you're like cash flowing it and
Speaker 1: the money's already in your account and it's a fully
Speaker 1: like planned out plan and it makes sense. But too
Speaker 1: many people in our community have gone down that slippery slope,
Speaker 1: found themselves in debt, and that has impacted them far
Speaker 1: more than just getting a new pair of kicks.
Speaker 5: Totally right. V.
Speaker 4: Also, it feels so good when you make a one
Speaker 4: off purchase. There is always like buyer's remorse if you
Speaker 4: make a big purchase, but feels so much better knowing
Speaker 4: that's done and dusted. I don't have to keep paying
Speaker 4: for this thing over and over and over again.
Speaker 5: That's it.
Speaker 4: I think you've helped me save five hundred dollars, have
Speaker 4: I I think where it is personally like Friday, it
Speaker 4: brings maybe like a little bit of anxiety because I
Speaker 4: know myself.
Speaker 5: I know I don't have any self regulation. That's what
Speaker 5: got me into it in the first place. So it's
Speaker 5: good to know.
Speaker 4: It's a time of year where I know that, like
Speaker 4: I'm going to have to avoid going out. But it's
Speaker 4: also a bit exciting because, as you say, like if
Speaker 4: you do have a plan, if you make plan, Ristmas
Speaker 4: is coming up, Like all of these things, there are
Speaker 4: so many benefits to it. But for me, it's just
Speaker 4: a little bit scary because I don't trust myself. I
Speaker 4: would say, that's fair. How do you feel around this
Speaker 4: time if I'm the same.
Speaker 1: Like at the end of the day, I have shared
Speaker 1: with you guys that I am relatively impulsive when it
Speaker 1: comes to purchases. It's why I don't use platforms like
Speaker 1: I have to pay and you know by now pay
Speaker 1: later platforms in general, because I just know it wouldn't
Speaker 1: work for me. I have had a credit card before,
Speaker 1: and I have abused a credit card before, and I
Speaker 1: know I can't trust myself with one again. Yes, like
Speaker 1: it just makes sense. So I kind of look at
Speaker 1: it and go, well, I know myself enough to know
Speaker 1: that this is not a good time of year. Flip
Speaker 1: it over. I think I've told you historically about my
Speaker 1: best friend who like uses after pay, but she's like
Speaker 1: a genius at it, right, She'll go onto the iconic.
Speaker 1: She'll use after pay to order a heap of dresses
Speaker 1: so she can try them on. She keeps the one
Speaker 1: she wants and she sends the rest back and all
Speaker 1: of that money didn't come out of her account, Like
Speaker 1: she's actually a genius. If I get a bit package
Speaker 1: of dresses, Beck, yeah, they don't fit. You know what happens.
Speaker 1: They get thrown in the corner of my room until
Speaker 1: the returns period of time has expired, and then I'm like,
Speaker 1: oh yeah, whoops. Yeah, but she's just better at everything
Speaker 1: than I am. So if that is you and you
Speaker 1: are a step of the world, then go ahead use
Speaker 1: it that way that works for you. But unfortunately that's
Speaker 1: not the reality of most of our community. And I
Speaker 1: want to make sure that you know, you feel heard
Speaker 1: and you feel like you're not alone in this, because Beck,
Speaker 1: you're in the same position. You're like, oh, I can't
Speaker 1: trust myself during this period of time. All right, Well
Speaker 1: let's not trust each other together. What's a plan?
Speaker 5: Yes, so true, And it's.
Speaker 1: Going to be so much easier if I'm like, you
Speaker 1: didn't buy anything, did you? And you go no, wan
Speaker 1: to go Sleigh, Let's get coffee.
Speaker 4: Do you know?
Speaker 1: What I mean. We can actually support each other during
Speaker 1: this period of time, but we can also use it
Speaker 1: to our advantage if we have a plan. So if
Speaker 1: you have some purchases that you need to make, if
Speaker 1: there are things that are on your wish list or
Speaker 1: your Christmas list, or literally any list that you've got,
Speaker 1: will maybe sit down now and be like, all right,
Speaker 1: I'm just going to write out what I need, when
Speaker 1: I might need it, by what that actually looks like.
Speaker 1: Because if you can save thirty percent, that's a money win.
Speaker 1: But it's not a money whin if you didn't need
Speaker 1: to purchase it in the first place.
Speaker 4: Exactly, you ev a penny saved is a penny earned.
Speaker 4: So if you spend no money at all, I feel
Speaker 4: like you've made that money.
Speaker 1: I don't even need to be here anymore. You've got this,
Speaker 1: all right, let's go, Because I'm now salty that you're
Speaker 1: smarter at money than I am.
Speaker 5: Fair Enough, you should be a little bit scared.
Speaker 1: I am terrified if that's the reality. But we will
Speaker 1: see you guys on Friday. Have a beautiful week, babes.
Speaker 5: Bye.
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