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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or

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Speaker 1: the Order Kerni Whalbury and a wadery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money the podcast.

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Speaker 2: It helps you unwrap more Christmas cheer without wrapping up

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Speaker 2: more debt. That's pretty good. Yeah, you did real well.

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Speaker 2: That was a very good intro to turn. Out of ten?

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Speaker 2: What else you got?

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Speaker 4: So Christmas is coming fast and today we're playing Secret

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Speaker 4: Santa for your savings with hacks for making your dollar

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Speaker 4: stretch further for the big day.

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Speaker 2: It's a good idea. It's good. A dear, I'm back

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Speaker 2: and with me is Victoria Divine our financial elf on

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Speaker 2: a shelf. You guide us through every clever holiday hack

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Speaker 2: V are you ready for? I love your intros. Thank

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Speaker 2: you they are very good turn out of ten. Thank

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Speaker 2: You're witty, very funny. I like the idea that I'm

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Speaker 2: an elf on a shelf. You look like an elf

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Speaker 2: on a shelf. You know what I mean? Explain it?

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Speaker 2: But it's because I am so sure, do you know what?

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Speaker 2: Maybe that's what it is. Whenever we meet the community

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Speaker 2: in real life, one of the things that they often

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Speaker 2: say is you're much smaller than I thought you would be.

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Speaker 2: Just a small, little baby. Yeah, And I'm like, yeah,

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Speaker 2: since I'm like five to one, what were you expecting

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Speaker 2: so cute? You could pat me on the head? Yeah,

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Speaker 2: I could dormit to do that because I will cut you.

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Speaker 2: That's a bit condescending, but you like, hypothetically, it's completely possible.

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Speaker 2: It's possible. It's possible. I also have been doing a

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Speaker 2: lot of like Christmas planning as well, Like I don't

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Speaker 2: know about you, I feel like you're rogue, like your

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Speaker 2: last minute get some stuff together. Oh yeah. I have

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Speaker 2: been putting together Christmas hacks and putting together like Christmas lists.

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Speaker 2: I have the best gifts under one hundred dollars list

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Speaker 2: I think I've ever put together, and I did a

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Speaker 2: call one for your male partner, because I feel like

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Speaker 2: having a female partner probably be easier to buy for,

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Speaker 2: and also you have always thoughtful things to say. But

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Speaker 2: like men, what do you buy men? Sure? Beck they

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Speaker 2: like golf? I know nothing, but do you know what

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Speaker 2: I mean? So I put together basically a whole heap

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Speaker 2: of like Christmas shopping lists and present ideas and hopefully

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Speaker 2: like they're a bit inspiring but also just really fun

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Speaker 2: to put together. Back because I love gift giving. That's

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Speaker 2: really sweet. I want to check this out. I'm going

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Speaker 2: to send them to you and hopefully you comment and

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Speaker 2: give me some good engagement. Thanks. Oh yeah, you know me.

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Speaker 2: I'll be on there. I always comment on your videos,

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Speaker 2: and I really appreciate it. I see it's because it's

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Speaker 2: funny to be honest. But then I'm all, sorry, that's funny.

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Speaker 2: It makes me look so cool that a blue ticker

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Speaker 2: is commenting. Oh I pose. Okay, well I'll keep that up.

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Speaker 2: Thank you so much. Okay, so let's be real for

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Speaker 2: a minute.

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Speaker 4: Christmas is meant to be a time of joy, and

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Speaker 4: just like coziness, good vibes, family, chance to wind down,

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Speaker 4: but it can bring on a lot of stress, especially

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Speaker 4: with the cost of living climbing higher than sense as slate,

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Speaker 4: so I think approximately higher than thirty three thousand feet.

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Speaker 2: It actually feels that way, like I feel like so

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Speaker 2: many people this year are financially stressed.

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Speaker 4: Well, actually, do you happen to know how big of

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Speaker 4: a deal these spending pressures are for Ussies?

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Speaker 2: Of course I do. I am stat scale and I

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Speaker 2: feel like it's come prepared. I feel like Christmas is amazing.

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Speaker 2: Like I love Christmas, I love festive tea, I love

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Speaker 2: having people over. I just love entertaining. Like I'm an

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Speaker 2: entertaining girly. I'm probably going to do a video on

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Speaker 2: like my things that you would have to have in

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Speaker 2: your home to always entertain. Yes, I think this is

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Speaker 2: a flex. When you're out at the bar and you

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Speaker 2: kind of want to go do something and I'm like, oh,

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Speaker 2: I just come over to mine, and then that person

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Speaker 2: has a drink, like they have a game that you

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Speaker 2: can play, like they have a little snack, and You're like,

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Speaker 2: how are you so prepared? Oh my god, I know

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Speaker 2: I really am. I mean at all times that's a

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Speaker 2: good Christmas present too, putting together like a little like

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Speaker 2: entertainer's pack. True. Anyway, Christmas obviously adds up significantly, and

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Speaker 2: recent stats show that around thirty seven percent of Australians

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Speaker 2: feel financially stressed over holiday expenses, and nearly one in

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Speaker 2: five of us are relying on credit cards, will buy now,

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Speaker 2: pay later services to make it through. I think it's

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Speaker 2: easy to get swept off in the holiday magic and

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Speaker 2: feel like you need to be spending big to make

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Speaker 2: it extra special. But that often leads to like a

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Speaker 2: post Christmas financial hangover. We spoke about that last year,

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Speaker 2: this idea of like a financial hangover. It's a thing totally.

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Speaker 2: I'm kind of shocked that it's only thirty seven percent,

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Speaker 2: to be honest, but I mean that's people who admit

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Speaker 2: that they're financially well. That's true. That's true. That's true.

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Speaker 2: Some people, you know a little bit more, they're not

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Speaker 2: ready to talk about money, and that's why we'd be waiting.

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Speaker 2: We're just here. That's of course, we're all about finding

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Speaker 2: ways to avoid that. No, we don't want a financial hangover.

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Speaker 2: We don't want that because I feel like it's like anxiety. Yes,

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Speaker 2: it's not just having the hangover, you get the anxiety

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Speaker 2: about the money you've spent. One out of ten can't

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Speaker 2: recommend totally.

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Speaker 4: And I feel like the best way to find these

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Speaker 4: hacks is to get them from the community. They tried

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Speaker 4: the text prepare, Yes, exactly.

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Speaker 2: It's like calling your mum when you've got a stain

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Speaker 2: on your shirt. She just knows, you know, she just knows.

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Speaker 2: She just knows, and you know who knows she's on

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Speaker 2: the money community. Yes, exactly, right.

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Speaker 4: So we did turn to the she's in the Money

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Speaker 4: community to get their favorite Christmas hacks.

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Speaker 2: Are you ready for our community tested hats? Of course

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Speaker 2: I am. But before we get into our community tested hacks,

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Speaker 2: I thought, you know what, we love Santa and we

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Speaker 2: love talking about Santa. And I just thought that because

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Speaker 2: Christmas is so magic and we are going to be

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Speaker 2: talking about Santa a lot, maybe this isn't an episode

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Speaker 2: for little ears, but but if it is, that's up

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Speaker 2: to you totally. So, Beck, I'm going to share one

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Speaker 2: from the community, and I think it's a really good

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Speaker 2: one to start with, and it also got a whole

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Speaker 2: heap of love on the post in our community. Just

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Speaker 2: casual reminder. This all happens in our Facebook group, so

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Speaker 2: if you're not there, you're missing out. So our friend

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Speaker 2: Tara said, just a reminder that it is possible and

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Speaker 2: perfectly reasonable to agree with people to just opt out

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Speaker 2: of the over consumption festivities and not do gifts.

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Speaker 4: Yes, I completely agree. I have a friend of mine

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Speaker 4: who celebrates Yule, which I believe is like the rising

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Speaker 4: of the sun. Or maybe I'm so sorry for anyone's

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Speaker 4: seeing to this who does celebrate or knows about it.

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Speaker 4: I'm completely butchering that definitions.

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Speaker 2: But that also sounds fun. It is really cool, and

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Speaker 2: it's just like it's less about the gifts, it's less

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Speaker 2: about the amount that you're spending. And I just kind

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Speaker 2: of like that idea. I like it as well. And

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Speaker 2: I think that if you're going to do this, start

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Speaker 2: that conversation early, because if you're starting the conversation early,

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Speaker 2: someone else is not like, oh shit, but beck, I

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Speaker 2: ready bought your press since yeah, it would be nice

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Speaker 2: to be that organized. But I think it's really important

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Speaker 2: to start that conversation early. But then also like, how

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Speaker 2: do you bring that up back? Yeah, if last year

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Speaker 2: you did presents, what if they like presents. I know,

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Speaker 2: so you need to frame it properly. So frame it

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Speaker 2: as a way to like focus on time together instead

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Speaker 2: of just the presence. So how about we make this

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Speaker 2: holiday more about like spending time together than spending money. Yeah,

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Speaker 2: so that could be cute or like talk about the benefits.

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Speaker 2: I think that often, and I've said this before, like

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Speaker 2: we are a group of women. We're not that confrontational.

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Speaker 2: I don't think like I'm never going to be like

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Speaker 2: we're not doing gifts this year, Like that's just not me. Yeah,

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Speaker 2: but like explain the benefits, so like emphasize you know,

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Speaker 2: it's going to take a heap of stress off both

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Speaker 2: of us, and like we're going to be able to

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Speaker 2: focus on what matters. If skipping gifts is going to

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Speaker 2: feel a little bit stressful, you could consider maybe like

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Speaker 2: swapping small meaningful gestures. So let's maybe you make a

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Speaker 2: rule it has to be a homemade treat or totally

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Speaker 2: we beck again to get each other framed photos of

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Speaker 2: our favorite memory together. Yeah, so like how do you

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Speaker 2: get that? That's really cute and maybe you don't have

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Speaker 2: a photo of it and you have to draw it?

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Speaker 2: Whoa or like cozy DIY gifts, Like, yeah, what about

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Speaker 2: like we do a candle making sesh together and go

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Speaker 2: down to Kmart and we buy the candle making pack

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Speaker 2: that I know is like twenty bucks that's ten dollars each,

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Speaker 2: and then we can have a cozy afternoon at home

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Speaker 2: where all of the drinks have been bought at the

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Speaker 2: supermarket and nothing's overpriced. I feel like you're a crafty girl,

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Speaker 2: so yeah, I love a craft all the Kmart stuff

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Speaker 2: at the moment. Complete side note, Kmart has so many

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Speaker 2: crafting kits at the moment. Yeah they do. They really

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Speaker 2: just know what we want, almost like they are consumption core. Yeah,

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Speaker 2: first they know what they do it right, and then

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Speaker 2: maybe not everyone's on board. So I would ask the group.

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Speaker 2: So we're gonna ask for permission to do this. We're

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Speaker 2: not just going to be like, by the way, there

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Speaker 2: can no presents and you go, oh, I really like

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Speaker 2: giving presents, because to be honest, i'd be disappointed. Yeah,

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Speaker 2: because I might go, oh, beck, like I totally say

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Speaker 2: that you don't have to get me one, but like

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Speaker 2: I'm a gift give bar, like I cannot wait, yeah

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Speaker 2: to get presents. So it's never too early obviously, to

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Speaker 2: talk about next year's plans and then yeah, I think

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Speaker 2: that you can then get a head start on shopping

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Speaker 2: for the people that you will be buying gifts for,

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Speaker 2: and then you kind of know who you don't have

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Speaker 2: to include in that, which is obviously going to really

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Speaker 2: help the budget.

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Speaker 4: And if you're really struggling to get your family over

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Speaker 4: the line, Rachel told us I'm making my mum a

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Speaker 4: Christmas tree skirt for Christmas. We're doing a soft introduction

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Speaker 4: of making our family Christmas presents.

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Speaker 2: I like, but also not everyone always has time. And

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Speaker 2: I think I've shared on the podcast before that my

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Speaker 2: husband's side of the family we do secondhand, handmade or

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Speaker 2: homemade ye as a rule, so like it has to

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Speaker 2: be secondhand or you have to make it or someone

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Speaker 2: else could have made it. But you can't buy basically

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Speaker 2: commercial gifts, yes, which I think is really fun because

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Speaker 2: if you're not that crafty and you're like, well, I

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Speaker 2: can't make a tree skirt, what even is a tree skirt? Like,

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Speaker 2: you're not in as big of a pickle, right, Totally

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Speaker 2: what I do with my family just really quickly because

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Speaker 2: we also don't do gifts. You know, it's like my

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Speaker 2: three brothers, my mum, and that's it for the Christmas.

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Speaker 2: And I think it's really cute and crazy.

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Speaker 4: But I go to Kmart and I get those like

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Speaker 4: really small novelty gifts.

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Speaker 2: You know, there's like squish bina and I pair it

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Speaker 2: with like a box of chocolates. It's always really really cheap,

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Speaker 2: and we just like kind of do this like I

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Speaker 2: don't know what it's called, but it's like we all

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Speaker 2: pick a number and we one by one.

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Speaker 4: It's like a mysterious package. They kind of have to

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Speaker 4: pick which one they want.

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Speaker 2: Yeah, yeah kind of and then do you trade? We trade,

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Speaker 2: We steal, like so even though it's like you're receiving

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Speaker 2: it's called Badds Verry Bad Sandy, but I want the

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Speaker 2: squishy banana. Yeah, And it's really fun. It's there.

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Speaker 4: There's small gifts, they're not that expensive, but it just

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Speaker 4: makes it so much more exciting.

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Speaker 2: And I kind of love that. But I also love

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Speaker 2: what you were saying about, Rachel, because I feel like

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Speaker 2: it gives your family the chance to warm up to

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Speaker 2: the idea that you don't need to do really big

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Speaker 2: presence and you're kind of like planting the seed with

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Speaker 2: this epic sounding tree skirt, which is maybe beyond my capabilities.

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Speaker 2: So please send pictures because maybe I could. Yeah please,

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Speaker 2: I don't know, very impressive. You know what tree skirt

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Speaker 2: is in my mind, it's that thing that goes around

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Speaker 2: like the bottom of the tree.

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Speaker 3: It is.

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Speaker 2: I was just testing you because because it never in

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Speaker 2: my life if I bought or needed. Yeah, but it

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Speaker 2: would be cool to have, you know, so one of

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Speaker 2: those maybe we need to make tree skirts this year. Yeah, right,

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Speaker 2: what's next? Okay, So we've got lots of community members

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Speaker 2: just doing.

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Speaker 4: Gifts for kids this year, which is Yeah, it's really

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Speaker 4: smart and it's cute, isn't it. So with this good

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Speaker 4: reminder from Helen who says only buy for kids, most

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Speaker 4: adults have the means to buy what they want throughout

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Speaker 4: the year, so gift giving because you should is pointless.

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Speaker 2: Yeah. I tend to agree it's fair. But I really

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Speaker 2: love gift giving and it was a lot of fun.

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Speaker 2: I am that creepy store cars. So, as I've said

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Speaker 2: to you before, if I die and you're in each

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Speaker 2: of my phone, wipe it. I don't need anyone to

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Speaker 2: say that. But I have so many notes on my

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Speaker 2: phone of like ideas for presents, like and things that

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Speaker 2: I think people would like, even if I'm like, maybe

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Speaker 2: not even planning on getting you a Christmas present, but

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Speaker 2: I alreadyapily things that you would like. Like I have

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Speaker 2: a list of things that Zara would like. She doesn't

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Speaker 2: know that that's cute, Like I could read it up.

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Speaker 2: I know what you're into. That's really cute. I know

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Speaker 2: that's really cute. Well that means that if I am

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Speaker 2: going to get you a present, I can be like, oh,

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Speaker 2: it's meaningful at least, and you feel heard and thought of,

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Speaker 2: And I think, to me, that's the most important part

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Speaker 2: about Christmas. Like if you know you had mentioned I'm

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Speaker 2: really getting into puzzles at the moment or something, and

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Speaker 2: then I bought your puzzle, you can be like, wow,

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Speaker 2: she really listened. It wasn't actually the cost of the present.

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Speaker 2: It was the thought that counts right anyway. Good. I

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Speaker 2: love to keep us from going like overboard, and I've

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Speaker 2: seen it catching on. So Nancy said, we have a

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Speaker 2: four gift rule. Something you want, something you need, something

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Speaker 2: to wear, and something to read my rs too, And

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Speaker 2: I am actually implementing that for Harvey. So that's what

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Speaker 2: he's like Christmas things will be. I don't know what

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Speaker 2: to do about Sanda Sacks though, hmmm, I'm making him

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Speaker 2: miss Santa Sack. At the moment, I feel like there's

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Speaker 2: so many very things, Like I remember when I was

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Speaker 2: a kid, someone would be like, oh, Santa brought me

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Speaker 2: a PlayStation, and in the back of my mind, I'm like, oh,

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Speaker 2: Santa brought me a toothbrush and novelty band aids and

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Speaker 2: a lot of like strawberries and cream lollies. Yeah, like

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Speaker 2: and that's how Santa worked in our house, like all

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Speaker 2: of the big presence or like, oh like thing things.

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Speaker 2: Mum was always like, you know, now I'm an adult,

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Speaker 2: She's like, I wasn't letting Santa take credit for the

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Speaker 2: good presence. She's like those very expensive like and you

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Speaker 2: only got one. I wasn't letting Sanda run with a

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Speaker 2: credit like he got you novelty, fun things that you needed,

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Speaker 2: but like, what do you do? Yeah, that's so true.

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Speaker 4: I know that one really baffles me because I'm like,

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Speaker 4: I want the magic to be there, but I also

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Speaker 4: want to be like, if you're going to school in

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Speaker 4: like a kid who has way more money in their family,

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Speaker 4: kudos to them, but they might receive something that's way

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Speaker 4: more than you can ever get your child, and then

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Speaker 4: your child just thinks, hey, Santa hates me.

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Speaker 2: That's okay, you know what I mean? That makes me

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Speaker 2: really Yeah, It's like I kind of want to tell life.

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Speaker 2: I think we should all just agree, like Santa doesn't

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Speaker 2: bring big presents, end a story like, yeah, I think

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Speaker 2: across the board. I don't care if your public school private.

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Speaker 2: Santa he doesn't get the good stuff. Yeah, Mom and

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Speaker 2: dad get the good stuff. Like I remember one of

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Speaker 2: my favorite things was Santa always brought us you know

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Speaker 2: those novelty band aids that you didn't get ham Yeah,

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Speaker 2: like we were never allowed though, So Mum would be

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Speaker 2: like no. And my little sister Alex, if you're listening, hi,

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Speaker 2: she would ask for a band aid all the time.

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Speaker 2: Like she would always be like, oh my finger. Mum

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Speaker 2: would be like, like Alex was like obsessed with getting

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Speaker 2: a band aid. So the idea that Santa gave us

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Speaker 2: novelty band aids, they didn't go in the medicine cupboard.

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Speaker 2: They went like in our room. We had our own

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Speaker 2: stash wild. But like that was one of my favorite

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Speaker 2: Christmas presents. Yeah, I get that she's so easily pleased.

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Speaker 2: And while I'm starting to think about this, Harvey's in daycare.

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Speaker 2: So I've got one from Kate. Kate said, top tip

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Speaker 2: you don't have to buy for educators, swim teachers, coaches,

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Speaker 2: et cetera. I know we'd all love to, but with

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Speaker 2: the cost of living as it, they are absolutely fine

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Speaker 2: without another personalized water bottle, box of chocolates or pop

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Speaker 2: plant with a thanks for helping me grow tag. That's

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Speaker 2: fair and honestly, just like a little bit that's so

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Speaker 2: hard is plenty so funny because I've been thinking about, like,

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Speaker 2: what do you get educators for? Can you guys slide

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Speaker 2: into my dams? If you are an educator, if you're

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Speaker 2: a teacher, if you're a swim teacher, what have you

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Speaker 2: been gifted? That actually was nice? Like what do you want? Like,

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Speaker 2: do you actually want boxes of chocolates? Because like, if

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Speaker 2: that's what you want, I'm a get you box of chocolates.

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Speaker 2: But I can almost guarantee you don't want another plant

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Speaker 2: that has a tag that says thanks for helping me grow. Yeah, true,

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Speaker 2: I imagine, like and obviously I'm not any one of

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Speaker 2: those things, but like just a nice message or a

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Speaker 2: card that is really really half fell and says thank

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Speaker 2: you so much, genuinely one hundred percent. On the teacher train,

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Speaker 2: some might think that's controversial, but we had ex teacher

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Speaker 2: just chime in and say, as an ex teacher, we

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Speaker 2: would love to not receive so many gifts or if any,

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Speaker 2: which I think is really funny. And another teacher, Lauren said,

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Speaker 2: as a tea, I love a handmade card from my students.

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Speaker 2: Oh that's cute, but like it's the thought that counts, right, Yeah, yeah, definitely,

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Speaker 2: Well that's really sweet.

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Speaker 4: Okay, So this next one is straying from the teacher train,

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Speaker 4: but it's definitely from a She's on the money girly.

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Speaker 4: She says, I plan on having a cheap Christmas this year.

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Speaker 4: As such, my husband and I will be gifting ourselves

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Speaker 4: another seven thousand dollars less.

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Speaker 2: Debt than we started with at the beginning of this year.

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Speaker 2: That's so cool. Yeah, that's really cools a lot of money. Yeah, geez,

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Speaker 2: even if it's like five hundred dollars less debt, two

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Speaker 2: hundred dollars fifty dollars less debt, like that is all epic, right,

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Speaker 2: And then I have another one, So Lola is a

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Speaker 2: girl after my own heart. She says. I use a

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Speaker 2: dedicated Christmas list app every year that tracks all my

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Speaker 2: gifts and spending and keeps me inside my budget. It

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Speaker 2: also tells me what I got previous years, so I

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Speaker 2: don't double up. I start shopping at the media toy

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Speaker 2: sales and put things away throughout the year. I set

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Speaker 2: price alerts in Google on items I have on my list,

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Speaker 2: so I get notified if the price drops. Genius and

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Speaker 2: so cool, I know. And do you know what it's

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Speaker 2: so annoying because like I just don't have the self, Like,

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Speaker 2: what's that word I'm looking for? Control?

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Speaker 1: Yeah.

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Speaker 2: If I got a toy fee, yeah, same, I already

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Speaker 2: gave it to you, I know, same. What do you

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Speaker 2: mean you put it away? No, I'm not if I'm

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Speaker 2: buying it with the intention of giving that for Christmas,

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Speaker 2: even if it's two days before Christmas, I'm like, can

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Speaker 2: I give you your present? Can I give you? I'm really excited?

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Speaker 2: Yeah right right, yeah. But she ended with something really

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Speaker 2: lovely to think about too, especially as I guess your

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Speaker 2: kids are getting a little bit older. She said, Also

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Speaker 2: mom and dad get big ticket items as I'm conscious

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Speaker 2: that Santa doesn't always have the same budget and kids

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Speaker 2: talk about what they get. Wow, I know that so

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Speaker 2: funny because, as I said, we should all just join

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Speaker 2: together and agree Santa doesn't get the good presence. Yes,

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Speaker 2: a cute novelty years, we're gonna call Santa up and

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Speaker 2: be like, hey, Santa, you're on toothbrushes. You're on toothbrushes

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Speaker 2: this year.

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Speaker 4: Socks, toothbrushes, the little things fruit, you know.

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Speaker 2: Like, did you do Santa stockings growing up? Yes? We

390
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Speaker 2: didn't got fruit lockily. We got Corinthians, Oh my gosh. Yeah,

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Speaker 2: we'd always see them because they're so gigantic. They'd be

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Speaker 2: like shoved down inside. You can see, you can see the.

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Speaker 4: Shade, Yes, you can see, and you know exactly. We

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Speaker 4: always got an orbit tennis for some reason. I know

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Speaker 4: that wasn't in the stocking, but I think Corinthians and

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Speaker 4: orbit tennis.

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Speaker 2: What else in your stocking? Can you remember? I remember

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Speaker 2: got a Dumbati soap and yet little things like that.

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Speaker 2: Yeah yeah, yeah we got stuff like that as well.

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Speaker 2: And Mum got sneaky. She used to put like our

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Speaker 2: book list items in there. I want a coincidence that

402
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Speaker 2: you needed those like screw up crayons. Sanda must have known. Yeah, yeah, yeah,

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Speaker 2: you know what I feel. Rum Now I'm thinking, I'm

404
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Speaker 2: not sure I'm that impressed you. Also, Harvey, watch out,

405
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Speaker 2: because I'm gonna call Center up and Santa will be

406
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Speaker 2: getting your coloring markers and anything that hypothetically your teacher

407
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Speaker 2: needed school stuff. My best friend's dad, we gave him

408
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Speaker 2: something from around the house that he just like, I

409
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Speaker 2: guess it was kind of just in the background. I

410
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Speaker 2: feel like you can do that for kids, because he

411
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Speaker 2: didn't know. He opened up this lovely jug that was

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Speaker 2: like a vase. He was like, this is beautiful. Thank you.

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Speaker 4: Put it back where it was, And you can do

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Speaker 4: that with your kids. I imagine if you just get

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Speaker 4: little toys that it's actually.

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Speaker 2: Half our idea because like Harvey, at Christmas time will

417
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Speaker 2: be ten months old, and so like ten month old

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Speaker 2: doesn't need anything too dramatic, So we're just going to

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Speaker 2: wrap up a whole eve of toys that he already

420
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Speaker 2: But tip from my mom, make sure if you're buying

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Speaker 2: wrapping paper for kids, it's the foil wrapping paper, not

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Speaker 2: just the paper wrapping paper, because apparently they love it. Yeah,

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Speaker 2: so we'll be wrapping Harvey's presence in foil like present

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Speaker 2: paper this year. Yeah, and I think that that's really fun. Yeah,

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Speaker 2: I agree. I think that's part. Have you seen that TikTok,

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Speaker 2: which was the one where like they all go to

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Speaker 2: Grandma's house for Christmas and throughout the year the kids

428
00:20:00,119 --> 00:20:03,199
Speaker 2: have been stealing stuff from Grandma. Yeah, and like they

429
00:20:03,240 --> 00:20:04,880
Speaker 2: all go around the room and they're like, oh, here, back,

430
00:20:04,920 --> 00:20:06,680
Speaker 2: here's your present. She repensent and she kind of looks

431
00:20:06,680 --> 00:20:08,520
Speaker 2: at it like, wow, I have one of these already,

432
00:20:08,560 --> 00:20:10,800
Speaker 2: and then the next present is literally like one of

433
00:20:10,800 --> 00:20:13,679
Speaker 2: her own books, and like it's all of our own stuff. Anyway,

434
00:20:13,680 --> 00:20:15,040
Speaker 2: I just thought that was really funny.

435
00:20:15,160 --> 00:20:17,000
Speaker 4: I think it's beautiful because it's like the joy of

436
00:20:17,040 --> 00:20:19,560
Speaker 4: actually opening a gift is probably more exciting usually.

437
00:20:19,600 --> 00:20:21,760
Speaker 2: The gif you disappointed. Honestly, if someone gave me like

438
00:20:21,800 --> 00:20:24,880
Speaker 2: ten gifts and that was actually all just stuff stolen

439
00:20:24,920 --> 00:20:27,080
Speaker 2: from me, I'd be a bit But also like helps

440
00:20:27,119 --> 00:20:29,240
Speaker 2: you sit back and realize, like, oh god, I really

441
00:20:29,280 --> 00:20:32,800
Speaker 2: appreciate this book that I forgot to read. So maybe

442
00:20:32,800 --> 00:20:33,800
Speaker 2: it's a win win.

443
00:20:34,119 --> 00:20:36,080
Speaker 4: Okay, So if you're not doing Christmas gifts this year

444
00:20:36,119 --> 00:20:38,600
Speaker 4: but still want a little bit of Christmas cheer, Taylor

445
00:20:38,600 --> 00:20:41,480
Speaker 4: says for adults, we do a ten to fifteen dollars

446
00:20:41,840 --> 00:20:47,199
Speaker 4: TIMU limit, very specific insurance. Everyone who wants to participate

447
00:20:47,280 --> 00:20:50,679
Speaker 4: purchases something from tim It's absolutely hilarious. It goes in

448
00:20:50,760 --> 00:20:54,119
Speaker 4: a pile upon arrival. After breakfast, we played Dirty Santa,

449
00:20:54,280 --> 00:20:56,040
Speaker 4: also known I think as White Elephant.

450
00:20:56,080 --> 00:20:58,760
Speaker 2: Oh that's the gain that. I didn't think that, but

451
00:20:58,800 --> 00:20:59,640
Speaker 2: you were talking about that.

452
00:20:59,640 --> 00:21:01,640
Speaker 4: That's right, it's one of our highlights of the day

453
00:21:01,680 --> 00:21:02,960
Speaker 4: and everyone has a belly laugh.

454
00:21:03,000 --> 00:21:04,640
Speaker 2: I think that would be fee I love that. That's

455
00:21:04,640 --> 00:21:07,320
Speaker 2: like your squishy banana. I love those little noveltives. That's

456
00:21:07,320 --> 00:21:10,240
Speaker 2: a great There are so many different creative ways to

457
00:21:10,280 --> 00:21:13,680
Speaker 2: make Christmas, I guess, both fun and affordable. And we've

458
00:21:13,680 --> 00:21:16,080
Speaker 2: got plenty more tips where those came from. So stick

459
00:21:16,080 --> 00:21:19,120
Speaker 2: around because up next we're diving into some clever budgeting

460
00:21:19,160 --> 00:21:21,840
Speaker 2: hacks our community swears by. If you're ready to keep

461
00:21:21,840 --> 00:21:25,120
Speaker 2: your Christmas spending under control without cutting out the holidays here,

462
00:21:25,600 --> 00:21:32,720
Speaker 2: you won't want to miar sports coming up next. All right, Beck,

463
00:21:32,800 --> 00:21:35,560
Speaker 2: let's jump straight back in because I'm excited to talk

464
00:21:35,560 --> 00:21:38,280
Speaker 2: more about Christmas. Let's do it I am loving these

465
00:21:38,320 --> 00:21:41,439
Speaker 2: creative ways to save on holiday costs. I guess so

466
00:21:41,520 --> 00:21:44,240
Speaker 2: many of you are hacking your Woolies points as well

467
00:21:44,520 --> 00:21:47,439
Speaker 2: and saving them up for Christmas, which I think is

468
00:21:47,640 --> 00:21:50,840
Speaker 2: really smart. And a few of you said, don't forget

469
00:21:50,880 --> 00:21:52,879
Speaker 2: that you can also use them at Big W and

470
00:21:52,920 --> 00:21:56,640
Speaker 2: b wus as well. Yes, very true. Big W actually

471
00:21:56,680 --> 00:22:00,800
Speaker 2: has the largest line of books. Oh yeah, like they're

472
00:22:00,800 --> 00:22:04,400
Speaker 2: the biggest stockists of books outside bookstores in Australia. That's

473
00:22:04,440 --> 00:22:05,920
Speaker 2: really good to know. You could buy, shees all the

474
00:22:05,920 --> 00:22:09,000
Speaker 2: money they're hypothetically I love a Big W, I know

475
00:22:09,760 --> 00:22:11,440
Speaker 2: I do, and no where to be lie. I also

476
00:22:11,480 --> 00:22:14,680
Speaker 2: love a BWS but that's okay, Hey, no judgment here,

477
00:22:15,040 --> 00:22:17,400
Speaker 2: so okay. Next up we have Jade. I like how

478
00:22:17,480 --> 00:22:18,400
Speaker 2: Jade budgets.

479
00:22:18,480 --> 00:22:20,840
Speaker 4: She says, I estimate how much I'm going to spend

480
00:22:20,840 --> 00:22:23,680
Speaker 4: on Christmas, divide it by fifty two, and every week

481
00:22:23,720 --> 00:22:27,280
Speaker 4: put the amount into the savings accounts. When toys or

482
00:22:27,359 --> 00:22:29,719
Speaker 4: gifts come up on sale or clearance about the year

483
00:22:29,760 --> 00:22:31,680
Speaker 4: that I know I'm going to be purchasing, I'll buy

484
00:22:31,720 --> 00:22:33,840
Speaker 4: it and cover the expense from the Christmas account.

485
00:22:34,000 --> 00:22:37,920
Speaker 2: See that's so smart. And also, if you're sitting there

486
00:22:37,960 --> 00:22:40,080
Speaker 2: going v that doesn't help me because they don't have

487
00:22:40,119 --> 00:22:42,960
Speaker 2: a Christmas account. Set one up now, Like, I know

488
00:22:43,040 --> 00:22:45,679
Speaker 2: it's not going to work right now because we're planning

489
00:22:45,720 --> 00:22:49,280
Speaker 2: for Christmas, but the second Christmas is over, you can

490
00:22:49,400 --> 00:22:51,760
Speaker 2: start that process so that next to you doesn't have

491
00:22:51,800 --> 00:22:54,280
Speaker 2: to be stressed exactly. Like I know it feels stressful

492
00:22:54,400 --> 00:22:56,199
Speaker 2: right now, but what can we do so that future

493
00:22:56,240 --> 00:22:58,680
Speaker 2: us doesn't have to do this again? So true, I

494
00:22:58,720 --> 00:23:00,880
Speaker 2: think it's really hard as well, because like who's thinking

495
00:23:00,880 --> 00:23:04,159
Speaker 2: about Christmas in like February or March, So like, just

496
00:23:04,200 --> 00:23:06,399
Speaker 2: do it now and start setting it up and just

497
00:23:06,440 --> 00:23:08,400
Speaker 2: maybe do a direct debit so that this time next

498
00:23:08,520 --> 00:23:11,560
Speaker 2: year it's like you're faking chrisco. Yeah, babe, we have

499
00:23:11,640 --> 00:23:14,440
Speaker 2: Chris go at home. Yeah, like you've done your own

500
00:23:14,520 --> 00:23:17,879
Speaker 2: Christmas budgeting exactly, future you, well, thank you. Now. This

501
00:23:17,960 --> 00:23:21,040
Speaker 2: one is from Jessicah. It's not Jessica Richie, but this

502
00:23:21,119 --> 00:23:23,720
Speaker 2: one I think is her and it sounds a lot

503
00:23:23,760 --> 00:23:27,399
Speaker 2: like her. Ready. My Christmas Savings account is simply an

504
00:23:27,440 --> 00:23:31,040
Speaker 2: account for roundups and to transfer small savings from buy

505
00:23:31,160 --> 00:23:34,040
Speaker 2: on sale and save the difference challenges we do some

506
00:23:34,200 --> 00:23:37,520
Speaker 2: months and I keep any cash from Facebook marketplace sales

507
00:23:37,720 --> 00:23:41,280
Speaker 2: for Christmas activities, magic moments, and special treats that fall

508
00:23:41,320 --> 00:23:44,480
Speaker 2: outside the normal budget to make as much magic as possible.

509
00:23:44,520 --> 00:23:47,320
Speaker 2: And we spend December hand making gifts for phriens and

510
00:23:47,400 --> 00:23:50,560
Speaker 2: family when we feel inspired and a little bit thrifty.

511
00:23:51,040 --> 00:23:53,960
Speaker 2: I am single handedly bringing Christmas back to the Gringes

512
00:23:54,000 --> 00:23:56,000
Speaker 2: in the family as I go in. No way is

513
00:23:56,119 --> 00:23:59,639
Speaker 2: Christmas small in our home, but it is intentional, practical

514
00:23:59,760 --> 00:24:03,560
Speaker 2: and mindful. And then the brackets She said mostly but

515
00:24:03,600 --> 00:24:06,640
Speaker 2: it's really cool. We're all doing our best, right. I agree.

516
00:24:06,720 --> 00:24:09,040
Speaker 2: I love the sound of this, Jessica.

517
00:24:09,160 --> 00:24:13,440
Speaker 4: So Leah is taking advantage of Christmas clubs, saying I have.

518
00:24:13,480 --> 00:24:15,840
Speaker 2: Beating back the Christmas Club. This is the first time

519
00:24:15,960 --> 00:24:17,919
Speaker 2: I'm hearing about it. Really, this is something that I

520
00:24:18,000 --> 00:24:21,120
Speaker 2: remember it being massive when I was little, when I said,

521
00:24:21,160 --> 00:24:24,040
Speaker 2: Chris God like. I can see the logo in my head,

522
00:24:24,080 --> 00:24:25,920
Speaker 2: but I can't fully remember what it is. Like these

523
00:24:26,280 --> 00:24:29,159
Speaker 2: boxes that would come at Christmas time, kind of like

524
00:24:29,200 --> 00:24:31,920
Speaker 2: Marley Spoon, but for Christmas, and you would select them

525
00:24:31,920 --> 00:24:34,280
Speaker 2: at the start of the year and start paying them

526
00:24:34,280 --> 00:24:36,439
Speaker 2: off throughout the year, So like a couple of bucks

527
00:24:36,480 --> 00:24:39,800
Speaker 2: every week and then the week of Christmas, your Chrisco

528
00:24:40,000 --> 00:24:42,440
Speaker 2: order would arrive. It could be like if you bought

529
00:24:42,480 --> 00:24:45,240
Speaker 2: the Boogie boxes, like toys and gifts and whatnot. Cool,

530
00:24:45,240 --> 00:24:47,720
Speaker 2: but it would also be like the Christmas ham, the

531
00:24:47,800 --> 00:24:51,360
Speaker 2: Christmas veggies, all of the food and drink and whatnot

532
00:24:51,520 --> 00:24:54,280
Speaker 2: that you wanted for Christmas, but you'd paid it off

533
00:24:54,359 --> 00:24:56,520
Speaker 2: during the year, so you didn't have this big like

534
00:24:57,119 --> 00:25:00,439
Speaker 2: Christmas expense. And I feel like Christmas clubs used to

535
00:25:00,440 --> 00:25:02,520
Speaker 2: be a massive It's like Layby Layby used to be

536
00:25:02,520 --> 00:25:05,280
Speaker 2: a massive thing. Oh I love labor. I remember going

537
00:25:05,400 --> 00:25:08,439
Speaker 2: into Target with my mum to pay off bits of layby,

538
00:25:08,840 --> 00:25:10,760
Speaker 2: I know, and it was really exciting.

539
00:25:10,400 --> 00:25:13,320
Speaker 4: All because you like see the item and by the

540
00:25:13,320 --> 00:25:14,080
Speaker 4: time you get there.

541
00:25:14,080 --> 00:25:16,080
Speaker 2: You used to like trot up to the back of yore.

542
00:25:16,240 --> 00:25:18,159
Speaker 2: It was like the Layby window and then your mom

543
00:25:18,200 --> 00:25:19,800
Speaker 2: would be like, oh, I'm going to put X down

544
00:25:19,800 --> 00:25:21,240
Speaker 2: and you'd be like, oh, so we don't get it today,

545
00:25:21,280 --> 00:25:22,800
Speaker 2: and Mom's like, no, no, no, we're just making a payment.

546
00:25:22,840 --> 00:25:25,159
Speaker 2: I'd be like, damn, I know, but it's such a

547
00:25:25,200 --> 00:25:27,480
Speaker 2: good way to do it. It's smart. Yeah, it's really

548
00:25:27,520 --> 00:25:29,960
Speaker 2: really smart. But tell me more about Lee's Christmas clubs.

549
00:25:30,000 --> 00:25:32,280
Speaker 4: Okay, so Leah says, I have an IgA and Maya

550
00:25:32,440 --> 00:25:33,800
Speaker 4: Christmas Club account.

551
00:25:33,920 --> 00:25:35,919
Speaker 2: I love the Maya account. They have a lot of

552
00:25:35,960 --> 00:25:38,440
Speaker 2: forty percent off sales on at the moment and maybe

553
00:25:38,440 --> 00:25:39,120
Speaker 2: even year round.

554
00:25:39,200 --> 00:25:41,760
Speaker 4: This is my first year with an IgA Christmas account.

555
00:25:41,800 --> 00:25:44,160
Speaker 4: Looking forward to getting the Christmas food and some left

556
00:25:44,200 --> 00:25:47,359
Speaker 4: over to put a couple of food hampers together for friends.

557
00:25:47,440 --> 00:25:49,680
Speaker 2: That's so nice, that's so cool. I did not even

558
00:25:49,720 --> 00:25:51,520
Speaker 2: know there was a thing. I'm going to look this up,

559
00:25:51,680 --> 00:25:53,600
Speaker 2: I think, look it up and do some research. But

560
00:25:53,640 --> 00:25:59,480
Speaker 2: also we know from TikTok yes that supermarket prices often

561
00:25:59,560 --> 00:26:02,040
Speaker 2: go like one week on sale, one week not on sale,

562
00:26:02,040 --> 00:26:04,000
Speaker 2: one week on sale, one week not on sale. And

563
00:26:04,040 --> 00:26:07,359
Speaker 2: I can almost guarantee you that these smart choice word

564
00:26:07,600 --> 00:26:10,560
Speaker 2: people have decided that the week of Christmas, there are

565
00:26:10,560 --> 00:26:12,640
Speaker 2: probably not going to be that many sales on all

566
00:26:12,640 --> 00:26:15,159
Speaker 2: of the foods that we want for Christmas. But you

567
00:26:15,200 --> 00:26:17,520
Speaker 2: could probably pre purchase a lot of things, like if

568
00:26:17,560 --> 00:26:19,480
Speaker 2: you're going to get a Christmas ham, pick it up

569
00:26:19,480 --> 00:26:21,480
Speaker 2: when it's on sale and chuck it in the fridge

570
00:26:21,680 --> 00:26:24,000
Speaker 2: and leave it there until you need it for Christmas.

571
00:26:24,040 --> 00:26:26,399
Speaker 2: Because those things keep. I mean, probably don't buy the

572
00:26:26,440 --> 00:26:29,800
Speaker 2: brocolini because that will wild. But like, can you make

573
00:26:29,840 --> 00:26:33,679
Speaker 2: your Christmas list or the grocery shopping list for Christmas

574
00:26:33,800 --> 00:26:36,679
Speaker 2: early and then maybe take it every time you're going shopping,

575
00:26:36,720 --> 00:26:39,560
Speaker 2: so that ideally you'd get everything on sale, like the

576
00:26:39,600 --> 00:26:42,639
Speaker 2: cranberry jam that doesn't even go in the fridge, you know,

577
00:26:42,800 --> 00:26:45,320
Speaker 2: like you could put that in the cupboard. Yeah, collecting

578
00:26:45,400 --> 00:26:48,080
Speaker 2: things you neither gravy nor worries, Like, is there like

579
00:26:48,200 --> 00:26:50,400
Speaker 2: pav Mex do you buying? I don't know, Like are

580
00:26:50,440 --> 00:26:52,640
Speaker 2: there things you can purchase and put to the side

581
00:26:52,640 --> 00:26:55,560
Speaker 2: while they're on sale? Yes? Yes, yes, exactly, especially Boxing day.

582
00:26:55,560 --> 00:26:57,159
Speaker 2: Oh my god's good. I have another one though, that

583
00:26:57,160 --> 00:26:59,440
Speaker 2: one was from me. Oh yeah, please a free tip.

584
00:26:59,600 --> 00:27:01,960
Speaker 2: You go charge the next one, thank you. Anna has

585
00:27:02,000 --> 00:27:04,560
Speaker 2: a free one, she says. I like to do opinion

586
00:27:04,600 --> 00:27:07,240
Speaker 2: surveys and focus groups throughout the year to get vouchers

587
00:27:07,280 --> 00:27:09,240
Speaker 2: which then pay for all of the food and presents

588
00:27:09,240 --> 00:27:12,120
Speaker 2: at Christmas. That's good idea. And then Linda, she said,

589
00:27:12,160 --> 00:27:15,360
Speaker 2: she uses the Snooper app for extra cash. I've never

590
00:27:15,400 --> 00:27:18,040
Speaker 2: heard of it either. She does an odd task while

591
00:27:18,040 --> 00:27:21,040
Speaker 2: she's out shopping. This is her spending money for her

592
00:27:21,119 --> 00:27:24,119
Speaker 2: niece and nephew. And also, don't forget to use shop

593
00:27:24,160 --> 00:27:26,840
Speaker 2: back money. Yes, oh my god, I love shopping. Literally,

594
00:27:26,960 --> 00:27:29,160
Speaker 2: now is the time to check your accounts and cash

595
00:27:29,200 --> 00:27:31,040
Speaker 2: out any of the cash so that you can use

596
00:27:31,080 --> 00:27:33,399
Speaker 2: it for Christmas. Yeah, so true. I always forget it there,

597
00:27:33,480 --> 00:27:35,119
Speaker 2: but I have like eighty bucks in there that's going

598
00:27:35,200 --> 00:27:37,040
Speaker 2: to take the pressure off. Oh my god, I love it.

599
00:27:37,200 --> 00:27:39,320
Speaker 4: Okay, So next time we have Sarah, Sarah is spreading

600
00:27:39,320 --> 00:27:42,119
Speaker 4: the cost and says, grab bits and pieces for the

601
00:27:42,200 --> 00:27:44,399
Speaker 4: Christmas table slash banquet in the lead up.

602
00:27:44,600 --> 00:27:47,320
Speaker 2: Lots of things are non perishable or freezer friendly, and

603
00:27:47,359 --> 00:27:50,040
Speaker 2: it helps spread the cost out. I wish that I'd

604
00:27:50,080 --> 00:27:52,000
Speaker 2: seen your list of things that you were bringing to

605
00:27:52,040 --> 00:27:55,040
Speaker 2: the table before I started yapping on this podcast. So

606
00:27:55,440 --> 00:27:58,440
Speaker 2: that's smart. I'm just talking about picking stuff up on sale,

607
00:27:58,480 --> 00:28:01,080
Speaker 2: but like spreading the cost out throughout, you know, the

608
00:28:01,160 --> 00:28:05,000
Speaker 2: month lead up to Christmas. Exactly smart. And here's some

609
00:28:05,040 --> 00:28:08,479
Speaker 2: money saving hacks that also save the planet, which of

610
00:28:08,520 --> 00:28:11,800
Speaker 2: course we love. At Cheese on the Money, Betty says

611
00:28:12,320 --> 00:28:16,520
Speaker 2: fabric wrapping used every year since birth for our two grandchildren.

612
00:28:16,720 --> 00:28:19,919
Speaker 2: They're the only two gifts that we purchase. Isn't that cute?

613
00:28:19,960 --> 00:28:22,439
Speaker 2: Like you could a spotlight and like pick out some

614
00:28:22,520 --> 00:28:26,560
Speaker 2: cute Christmas fabric and use that as wrapping every year.

615
00:28:26,760 --> 00:28:29,240
Speaker 2: Oh my god, that's really cute. That is really cute.

616
00:28:29,280 --> 00:28:31,200
Speaker 2: That is really cute. And here's a really clever one

617
00:28:31,200 --> 00:28:33,840
Speaker 2: from Emmy. Emmy said, I bought one of those small

618
00:28:33,880 --> 00:28:37,440
Speaker 2: potted real Christmas trees from Bunnings for thirty bucks four

619
00:28:37,520 --> 00:28:40,480
Speaker 2: years ago, and each Christmas we bring it inside for

620
00:28:40,520 --> 00:28:43,040
Speaker 2: the month of December and then give it a huge

621
00:28:43,040 --> 00:28:45,200
Speaker 2: water and keep it in our courtyard for the rest

622
00:28:45,200 --> 00:28:47,360
Speaker 2: of the year. Oh my god, Emmy, please tell me

623
00:28:47,400 --> 00:28:48,920
Speaker 2: how you keep those alive, because I do the same

624
00:28:49,040 --> 00:28:51,720
Speaker 2: killer everything every year. My Christmas tree dies, I know,

625
00:28:51,800 --> 00:28:54,960
Speaker 2: but Emmy's done it five Christmas is now. Oh my god,

626
00:28:54,960 --> 00:28:57,120
Speaker 2: that is really clever. I like that a lot. I

627
00:28:57,240 --> 00:28:59,040
Speaker 2: just kill a lot of things. So I don't know

628
00:28:59,120 --> 00:29:01,880
Speaker 2: if that's the best tip for me, totally. I love

629
00:29:01,920 --> 00:29:04,440
Speaker 2: that for you, Yes, I love that. Okay, So I'm

630
00:29:04,480 --> 00:29:06,719
Speaker 2: all here for this next one, Nicole says, dare I

631
00:29:06,760 --> 00:29:09,600
Speaker 2: suggest but the classic regift, as long as it's not

632
00:29:09,640 --> 00:29:13,200
Speaker 2: half used, why not regift to someone else who it suits?

633
00:29:13,360 --> 00:29:15,760
Speaker 2: Why what if it is half used, why not still

634
00:29:15,800 --> 00:29:18,960
Speaker 2: half to go? Yeah, that's so true. Here's my half

635
00:29:19,040 --> 00:29:21,720
Speaker 2: used soap. I've given a half pack of digestives to

636
00:29:21,720 --> 00:29:24,480
Speaker 2: someone before, and I would have taken it froft was

637
00:29:24,480 --> 00:29:29,200
Speaker 2: it the chuck was digest I know, I wouldn't see

638
00:29:29,240 --> 00:29:33,600
Speaker 2: that that that's we are easily pleased. Yes, that's true.

639
00:29:33,920 --> 00:29:36,240
Speaker 4: When it comes to actually buying presents, Sally says, I

640
00:29:36,240 --> 00:29:38,520
Speaker 4: do keep an eye on Audie specials for chocolate boxes

641
00:29:38,520 --> 00:29:41,520
Speaker 4: and cookies throughout the year. Last month they had these

642
00:29:41,600 --> 00:29:44,719
Speaker 4: amazing cookie tin boxes almost four hundred and fifty grands

643
00:29:44,800 --> 00:29:46,320
Speaker 4: for four dollars ninety nine.

644
00:29:46,360 --> 00:29:49,080
Speaker 2: So I stocked up as Christmas gifts for my team.

645
00:29:49,120 --> 00:29:51,840
Speaker 2: Oh that's so smart. Thirteen members in total, so yeah

646
00:29:51,880 --> 00:29:55,800
Speaker 2: to me, Matt though, that's thirteen presents for sixty five bucks.

647
00:29:55,880 --> 00:29:58,760
Speaker 2: That's a pretty serious money win. So true. I don't

648
00:29:58,760 --> 00:30:01,480
Speaker 2: hay figure out so quickly. I wrote it down earlier. Oh,

649
00:30:01,520 --> 00:30:05,760
Speaker 2: I see that makes sense. But also I feel like

650
00:30:05,840 --> 00:30:10,400
Speaker 2: Audi's underrated, like their cho like their biscuits. Do you

651
00:30:10,400 --> 00:30:12,480
Speaker 2: know what you could do? Buy their biscuits? Put it

652
00:30:12,520 --> 00:30:16,080
Speaker 2: in a nice little basket yeap bam. Also, if anybody

653
00:30:16,120 --> 00:30:21,840
Speaker 2: needs a good Audi wine recommendation. La Mule Rose Okay, iconic,

654
00:30:22,320 --> 00:30:25,160
Speaker 2: It's very very good. La Mule Love Mule. It's got

655
00:30:25,200 --> 00:30:27,480
Speaker 2: a donkey on it. That makes sense. Okay.

656
00:30:27,600 --> 00:30:29,959
Speaker 4: The next one, I absolutely love this genius one from Zoe.

657
00:30:30,040 --> 00:30:33,160
Speaker 4: She says, check your health fun to see what extras.

658
00:30:32,760 --> 00:30:33,320
Speaker 2: You can claim.

659
00:30:33,480 --> 00:30:36,880
Speaker 4: Oh okay, I'm with AHM, and you can claim Cancer

660
00:30:36,920 --> 00:30:39,320
Speaker 4: Council UV products under health improvements.

661
00:30:39,680 --> 00:30:41,840
Speaker 2: Needless to say, the kids will be getting swimming togs

662
00:30:41,840 --> 00:30:46,680
Speaker 2: this year. That's so. That's so clever. Sunscreen that's something

663
00:30:46,720 --> 00:30:48,160
Speaker 2: also Sanda used to buy us.

664
00:30:48,280 --> 00:30:49,959
Speaker 4: Oh my god, I've been avoiding buying it for so

665
00:30:49,960 --> 00:30:51,200
Speaker 4: long because I'm like, oh, I just kind of thought

666
00:30:51,200 --> 00:30:53,240
Speaker 4: it right now, but I think I will buy it,

667
00:30:53,440 --> 00:30:55,000
Speaker 4: just try and see if I can claim it.

668
00:30:55,160 --> 00:30:57,800
Speaker 2: I love that. That's really clever. Thank you so much, though,

669
00:30:57,920 --> 00:30:59,760
Speaker 2: What else have you got? Okay, you've got another one.

670
00:31:00,120 --> 00:31:02,720
Speaker 4: X one comes from Brie, who says, also lots of

671
00:31:02,760 --> 00:31:06,800
Speaker 4: health funds have rewards slash perks programs. I bought a

672
00:31:06,800 --> 00:31:09,240
Speaker 4: lot of gift cards discounted by my ones year.

673
00:31:09,440 --> 00:31:11,520
Speaker 2: I love that and I feel like that's really smart.

674
00:31:11,640 --> 00:31:14,240
Speaker 2: Last year I actually got a gift card from my

675
00:31:14,360 --> 00:31:17,800
Speaker 2: niece and nephew. They did a joint gift card. You like,

676
00:31:17,880 --> 00:31:20,440
Speaker 2: handwritten we all love like a little voucher. But the

677
00:31:20,520 --> 00:31:23,920
Speaker 2: voucher was that I could babysit them for one day. Ah,

678
00:31:24,080 --> 00:31:26,600
Speaker 2: that's very cute. That's a very good deal, isn't It's

679
00:31:26,640 --> 00:31:28,440
Speaker 2: some work for you. I don't know. I need to

680
00:31:28,440 --> 00:31:30,360
Speaker 2: probably take that up with my sister in law, but

681
00:31:30,480 --> 00:31:33,680
Speaker 2: I feel that they think that is a very good gift.

682
00:31:33,760 --> 00:31:37,040
Speaker 2: That is so so hypothetically, if you want a gift,

683
00:31:37,160 --> 00:31:41,880
Speaker 2: anybody a voucher for Christmas, just DIY make at home. Yeah.

684
00:31:42,200 --> 00:31:44,320
Speaker 2: I feel like it served a lot of people. Oh

685
00:31:44,360 --> 00:31:45,760
Speaker 2: my god, I wish I had that confidence to give

686
00:31:45,800 --> 00:31:48,720
Speaker 2: someone a gift, just like a handridden note me saying

687
00:31:48,920 --> 00:31:52,880
Speaker 2: even me out with me present my present. I do

688
00:31:52,920 --> 00:31:54,720
Speaker 2: feel like it was driven by my sister in law,

689
00:31:54,720 --> 00:31:56,640
Speaker 2: but I'm not mad because I do love my niece

690
00:31:56,680 --> 00:31:59,080
Speaker 2: and nephew and I still haven't cashed that in properly.

691
00:32:00,000 --> 00:32:02,720
Speaker 2: There you go. You could regift that one. Actually, I

692
00:32:02,800 --> 00:32:08,800
Speaker 2: know it's neighbus I could. So I got this for

693
00:32:09,040 --> 00:32:11,040
Speaker 2: my niece and nephew. Yes, you can have them for

694
00:32:11,080 --> 00:32:13,560
Speaker 2: a day. Perfect, It's only god. They'd love that they

695
00:32:13,600 --> 00:32:15,600
Speaker 2: would love that, and you know who else is also

696
00:32:15,640 --> 00:32:19,040
Speaker 2: about the experience. Yes, Susan from our community. She said,

697
00:32:19,160 --> 00:32:22,160
Speaker 2: I have my eighty year old mum, adult children and

698
00:32:22,240 --> 00:32:25,440
Speaker 2: partners with me for Christmas this year, so I'm taking

699
00:32:25,480 --> 00:32:28,360
Speaker 2: them on a wine tour on Boxing day. Boo gee.

700
00:32:28,920 --> 00:32:32,080
Speaker 2: But also like genius. Yeah, it's all that quality time,

701
00:32:32,160 --> 00:32:35,080
Speaker 2: isn't it exactly? And then one from Rachel. Rachel said,

702
00:32:35,120 --> 00:32:38,600
Speaker 2: you can buy these silicon molds from Bunnings. They're designed

703
00:32:38,600 --> 00:32:41,720
Speaker 2: for resin, but you can buy a five dollar bag

704
00:32:41,760 --> 00:32:44,440
Speaker 2: of plaster and make as many gifts as you want

705
00:32:44,480 --> 00:32:47,040
Speaker 2: for twenty two bucks. You can then give them as

706
00:32:47,360 --> 00:32:51,000
Speaker 2: paint your own. Yoh, you could paint them yourself and

707
00:32:51,040 --> 00:32:53,240
Speaker 2: add paint into the plaster and you could get like

708
00:32:53,280 --> 00:32:56,040
Speaker 2: a cute pink heart or something that's a fantastic idea.

709
00:32:56,120 --> 00:32:58,200
Speaker 2: You can make personalized ball balls with that. I su

710
00:32:58,320 --> 00:33:02,040
Speaker 2: maybe I've been separations this year too, because, as I said,

711
00:33:02,080 --> 00:33:05,000
Speaker 2: I feel like I've gone boomer Yeah, yeah, yeah, I

712
00:33:05,080 --> 00:33:06,120
Speaker 2: love that. It's really clever.

713
00:33:06,520 --> 00:33:08,800
Speaker 4: So a lot of community members are saving money by

714
00:33:08,840 --> 00:33:10,800
Speaker 4: baking gifts, propagating their own plants.

715
00:33:11,000 --> 00:33:13,240
Speaker 2: Fiona is doing acts of service, which is a great one,

716
00:33:13,280 --> 00:33:15,280
Speaker 2: giving your time instead of money, like my niece and

717
00:33:15,360 --> 00:33:17,920
Speaker 2: nephew did. They have really hooked me up back totally.

718
00:33:17,960 --> 00:33:20,040
Speaker 2: They've given you your own time back to spend with

719
00:33:20,080 --> 00:33:22,840
Speaker 2: them exactly. And as a mom, this one is probably

720
00:33:22,840 --> 00:33:25,800
Speaker 2: the best gift that you can get. Belle says, I

721
00:33:25,880 --> 00:33:28,360
Speaker 2: look after my nephew so my bro and his wife

722
00:33:28,440 --> 00:33:31,240
Speaker 2: can have a date night. God like being reverse engineering

723
00:33:31,280 --> 00:33:34,920
Speaker 2: so I can see my baby Harvey giving basically everyone

724
00:33:34,960 --> 00:33:38,600
Speaker 2: in the family. You get to babysit me voucher for

725
00:33:38,680 --> 00:33:42,680
Speaker 2: Christmas this year. And also Hazel says she reminded me

726
00:33:43,000 --> 00:33:46,120
Speaker 2: that she makes flaky sea salt in cute jars with

727
00:33:46,280 --> 00:33:48,720
Speaker 2: rosemary from our garden. I like that. Ye. Do you

728
00:33:48,760 --> 00:33:51,560
Speaker 2: know what I did last year? I posted my rosemary

729
00:33:51,680 --> 00:33:54,600
Speaker 2: salt recipe, which is like rosemary, there's some garlic and

730
00:33:54,600 --> 00:33:58,240
Speaker 2: stuff in it. It's so good. My family already asking me, like, oh,

731
00:33:58,240 --> 00:34:01,240
Speaker 2: we're getting more rosemary salts. Thank God, that's a great idea.

732
00:34:01,360 --> 00:34:03,720
Speaker 2: It's in the Facebook community, but I'll make sure that

733
00:34:03,760 --> 00:34:06,640
Speaker 2: I repost it because it was really cheap, Like you

734
00:34:06,680 --> 00:34:08,879
Speaker 2: don't need to like buy the flaky salt, Like that's

735
00:34:08,920 --> 00:34:11,680
Speaker 2: not what I'm about. Because flaky salt. Beck, it's expensive.

736
00:34:11,719 --> 00:34:14,400
Speaker 2: It's expensive. You just need literal salt because you end

737
00:34:14,480 --> 00:34:16,359
Speaker 2: up putting it in a food process or anything. Rude

738
00:34:16,440 --> 00:34:20,000
Speaker 2: and also sorry, it's beautiful flaky salt, but it hurts

739
00:34:20,040 --> 00:34:21,920
Speaker 2: your fingers when you got to crush it up my hands.

740
00:34:21,960 --> 00:34:24,040
Speaker 2: Oh no, you put it in the food processor. Do

741
00:34:24,160 --> 00:34:26,240
Speaker 2: you break up your flaky salt when you eat it?

742
00:34:26,320 --> 00:34:28,520
Speaker 2: Is that what everyone does? I don't think so. I

743
00:34:28,560 --> 00:34:30,680
Speaker 2: love the chunks of so oh.

744
00:34:30,760 --> 00:34:33,520
Speaker 4: I see, that's probably why they're flaky, because that's how

745
00:34:33,560 --> 00:34:34,400
Speaker 4: people eat it anyway.

746
00:34:34,480 --> 00:34:34,719
Speaker 1: God.

747
00:34:34,880 --> 00:34:35,080
Speaker 2: Now.

748
00:34:35,160 --> 00:34:38,120
Speaker 4: The next one comes from Rebecca great name. Rebecca says

749
00:34:38,160 --> 00:34:41,400
Speaker 4: she makes cookie jars with dry ingredients and instructions to

750
00:34:41,440 --> 00:34:41,759
Speaker 4: bake them.

751
00:34:41,800 --> 00:34:44,040
Speaker 2: That's oh my gosh. I've seen that online before where

752
00:34:44,080 --> 00:34:46,319
Speaker 2: you get like the beautiful Mason jars, fill it with

753
00:34:46,360 --> 00:34:48,239
Speaker 2: the flour in like layers. It's like one of those

754
00:34:48,280 --> 00:34:51,400
Speaker 2: sand jars. Yeah. Tag, Oh, she's a smart girl. That's

755
00:34:51,520 --> 00:34:52,160
Speaker 2: so clever.

756
00:34:52,760 --> 00:34:54,640
Speaker 4: This next one comes from memory. She says she's taking

757
00:34:54,719 --> 00:34:57,040
Speaker 4: up crocheting and everyone is getting bucket hats this year.

758
00:34:57,080 --> 00:35:00,880
Speaker 2: That's actually really cute. To another one, she says, beach

759
00:35:00,960 --> 00:35:04,640
Speaker 2: towels and her go to as they're always on sale somewhere.

760
00:35:04,680 --> 00:35:07,880
Speaker 2: That's true genius. And Danny is making homemade kits like

761
00:35:08,000 --> 00:35:13,080
Speaker 2: ice cream decorating kids, Oh, hamper hambers or sauces and spices. Yeah,

762
00:35:13,080 --> 00:35:15,280
Speaker 2: I love that. I love that. And then Peter chimed

763
00:35:15,280 --> 00:35:17,520
Speaker 2: in and said, I'm actually going to create a Christmas

764
00:35:17,520 --> 00:35:20,839
Speaker 2: cookbook for all the adults in the family. Great that love.

765
00:35:20,920 --> 00:35:22,480
Speaker 2: That sounds like a lot of work, but good for

766
00:35:22,520 --> 00:35:25,200
Speaker 2: you is. But like maybe you could go get like,

767
00:35:25,560 --> 00:35:28,080
Speaker 2: you know, your uncle's favorite recipe, your aunt's put it

768
00:35:28,120 --> 00:35:31,560
Speaker 2: all together and then you have a family cookbook. Oh

769
00:35:31,600 --> 00:35:34,120
Speaker 2: my god, that is so so really cute. Yeah, I

770
00:35:34,160 --> 00:35:37,000
Speaker 2: love it. Ah. And then recipes don't get lost. Yeah,

771
00:35:37,239 --> 00:35:39,640
Speaker 2: much of that with my friends here. That's actually so smart,

772
00:35:39,680 --> 00:35:42,200
Speaker 2: like a book of all your favorite recipes as a group. Yeah,

773
00:35:42,360 --> 00:35:45,200
Speaker 2: I love that. All right, I think that we are

774
00:35:45,239 --> 00:35:46,960
Speaker 2: nearly done here, but I just want to wrap up

775
00:35:47,000 --> 00:35:49,960
Speaker 2: by saying, we know that in this cost of living crisis,

776
00:35:50,000 --> 00:35:52,080
Speaker 2: it is even more tight for a lot of you

777
00:35:52,200 --> 00:35:55,840
Speaker 2: this year, right, and Christmas might feel more stressful than usual,

778
00:35:56,600 --> 00:35:59,200
Speaker 2: but as we know in this community. Beck, one of

779
00:35:59,239 --> 00:36:04,080
Speaker 2: my favorites saying is when in doubt, zoom out and Christmas. Honestly,

780
00:36:04,120 --> 00:36:06,960
Speaker 2: it's about connection. It's about warmth, it's about those cozys

781
00:36:06,960 --> 00:36:09,279
Speaker 2: that you were talking about before. It's about being there

782
00:36:09,320 --> 00:36:12,359
Speaker 2: for one another. So maybe this Christmas is not going

783
00:36:12,400 --> 00:36:15,279
Speaker 2: to be as big or as flashy as previous ones,

784
00:36:15,400 --> 00:36:17,400
Speaker 2: or as flashy as you kind of hoped. I know

785
00:36:17,480 --> 00:36:19,040
Speaker 2: that so many of us kind of like go on,

786
00:36:19,160 --> 00:36:21,000
Speaker 2: but I really want it to be X y Z.

787
00:36:21,560 --> 00:36:24,880
Speaker 2: You know what, That's perfectly okay. What is mattering the

788
00:36:24,880 --> 00:36:28,280
Speaker 2: most is that we are here. We get to be together,

789
00:36:28,560 --> 00:36:30,640
Speaker 2: and we get to find joy in the small things,

790
00:36:30,800 --> 00:36:34,480
Speaker 2: and to me, that's what makes this season truly special.

791
00:36:34,680 --> 00:36:36,240
Speaker 2: Totally agree. I do want to anowoge.

792
00:36:36,239 --> 00:36:39,040
Speaker 4: There are some people that probably don't have the people

793
00:36:39,080 --> 00:36:41,200
Speaker 4: around them for Christmas, and it can be really sad.

794
00:36:41,239 --> 00:36:43,200
Speaker 2: But just know that we are here your community. We

795
00:36:43,280 --> 00:36:45,319
Speaker 2: are hundred we are your friends. But I think it's

796
00:36:45,360 --> 00:36:46,960
Speaker 2: a perfect place to leave it. If you want to

797
00:36:46,960 --> 00:36:50,000
Speaker 2: see the fullest of shoes in the money communities Christmas hacks,

798
00:36:50,160 --> 00:36:52,319
Speaker 2: head over to our Facebook group. We've got some great

799
00:36:52,440 --> 00:36:54,879
Speaker 2: Christmas hacks to share. I love that. So if you're

800
00:36:54,880 --> 00:36:57,840
Speaker 2: on your own on Christmas, we're here for you. You're not

801
00:36:58,080 --> 00:37:00,880
Speaker 2: technically alone, You're with us in sight spirit. And just

802
00:37:00,920 --> 00:37:02,440
Speaker 2: like I did last year, I'm going to drop a

803
00:37:02,560 --> 00:37:05,080
Speaker 2: Christmas episode on Christmas Day so that maybe we could

804
00:37:05,120 --> 00:37:07,480
Speaker 2: go for like a walk chingether of song perfect. It's

805
00:37:08,120 --> 00:37:09,960
Speaker 2: I love this for us all right, guys, We will

806
00:37:09,960 --> 00:37:14,719
Speaker 2: see you on Friday. Have a good day. Bye, guys.

807
00:37:18,600 --> 00:37:21,120
Speaker 2: The advice shared on She's on the Money is general

808
00:37:21,160 --> 00:37:25,040
Speaker 2: in nature and does not consider your individual circumstances. She's

809
00:37:25,080 --> 00:37:28,480
Speaker 2: on the Money exists purely for educational purposes and should

810
00:37:28,560 --> 00:37:31,720
Speaker 2: not be relied upon to make an investment or financial decision.

811
00:37:32,120 --> 00:37:34,560
Speaker 2: If you do choose to buy a financial product, read

812
00:37:34,600 --> 00:37:38,760
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

813
00:37:38,760 --> 00:37:42,040
Speaker 2: your needs. Victoria Divine and She's on the Money are

814
00:37:42,120 --> 00:37:47,160
Speaker 2: authorized representatives of Money sirper Pty Ltd ABN three two

815
00:37:47,160 --> 00:37:50,200
Speaker 2: one IS six four nine two seven seven zero eight

816
00:37:50,480 --> 00:38:00,360
Speaker 2: AFSL four five one two eight nine