Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or
Speaker 1: the Order Kerni Whalbury and a wadery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money the podcast.
Speaker 2: It helps you unwrap more Christmas cheer without wrapping up
Speaker 2: more debt. That's pretty good. Yeah, you did real well.
Speaker 2: That was a very good intro to turn. Out of ten?
Speaker 2: What else you got? So Christmas is coming fast and
Speaker 2: today we're playing Secret Santa for your savings with hacks
Speaker 2: for making your dollar stretch further for the big day.
Speaker 2: It's a good idea. It's good. A dear, I'm back
Speaker 2: and with me is Victoria Divine our financial elf on
Speaker 2: a shelf. You guide us through every clever holiday hack
Speaker 2: V are you ready for?
Speaker 4: I love your intros. Thank you they are very good
Speaker 4: turn out of ten. Thank You're witty, very funny. I
Speaker 4: like the idea that I'm an elf on a shelf.
Speaker 2: You look like an elf on a shelf. You know
Speaker 2: what I mean? Explain it? But it's because I am
Speaker 2: so sure, do you know what? Maybe that's what it is.
Speaker 4: Whenever we meet the community in real life, one of
Speaker 4: the things that they often say is you're much.
Speaker 2: Smaller than I thought you would be. Just a small,
Speaker 2: little baby. Yeah, And I'm like, yeah, since I'm like
Speaker 2: five to one, what were you expecting so cute? You
Speaker 2: could pat me on the head? Yeah, I could dormit
Speaker 2: to do that because I will cut you.
Speaker 4: That's a bit condescending, but you like, hypothetically, it's completely possible.
Speaker 2: It's possible. It's possible.
Speaker 4: I also have been doing a lot of like Christmas
Speaker 4: planning as well, Like I don't know about you, I
Speaker 4: feel like you're rogue, like your last minute get some
Speaker 4: stuff together.
Speaker 2: Oh yeah.
Speaker 4: I have been putting together Christmas hacks and putting together
Speaker 4: like Christmas lists.
Speaker 2: I have the best gifts.
Speaker 4: Under one hundred dollars list I think I've ever put together,
Speaker 4: and I did a call one for your male partner,
Speaker 4: because I feel like having a female partner probably be
Speaker 4: easier to buy for, and also you have always thoughtful
Speaker 4: things to say.
Speaker 2: But like men, what do you buy men? Sure?
Speaker 4: Beck they like golf? I know nothing, but do you
Speaker 4: know what I mean? So I put together basically a
Speaker 4: whole heap of like Christmas shopping lists and present ideas
Speaker 4: and hopefully like they're a bit inspiring but also just
Speaker 4: really fun to put together.
Speaker 2: Back because I love gift giving. That's really sweet. I
Speaker 2: want to check this out.
Speaker 4: I'm going to send them to you and hopefully you
Speaker 4: comment and give me some good engagement.
Speaker 2: Thanks. Oh yeah, you know me. I'll be on there.
Speaker 2: I always comment on your videos, and I really appreciate it.
Speaker 2: I see it's because it's funny to be honest. But
Speaker 2: then I'm all, sorry, that's funny. It makes me look
Speaker 2: so cool that a blue ticker is commenting. Oh I pose. Okay,
Speaker 2: well I'll keep that up. Thank you so much. Okay,
Speaker 2: so let's be real for a minute. Christmas is meant
Speaker 2: to be a time of joy, and just like coziness,
Speaker 2: good vibes, family, chance to wind down, but it can
Speaker 2: bring on a lot of stress, especially with the cost
Speaker 2: of living climbing higher than sense as slate, so I
Speaker 2: think approximately higher than thirty three thousand feet.
Speaker 4: It actually feels that way, like I feel like so
Speaker 4: many people this year are financially stressed.
Speaker 2: Well, actually, do you happen to know how big of
Speaker 2: a deal these spending pressures are for Ussies? Of course
Speaker 2: I do. I am stat scale and I feel like
Speaker 2: it's come prepared. I feel like Christmas is amazing. Like
Speaker 2: I love Christmas, I love festive tea, I love having
Speaker 2: people over. I just love entertaining. Like I'm an entertaining girly.
Speaker 4: I'm probably going to do a video on like my
Speaker 4: things that you would have to have in your home
Speaker 4: to always entertain. Yes, I think this is a flex.
Speaker 4: When you're out at the bar and you kind of
Speaker 4: want to go do something and I'm like, oh, I
Speaker 4: just come over to mine, and then that person has
Speaker 4: a drink, like they have a game that you can play,
Speaker 4: like they have a little snack, and You're like, how
Speaker 4: are you so prepared?
Speaker 2: Oh my god, I know I really am.
Speaker 4: I mean at all times that's a good Christmas present too,
Speaker 4: putting together like a little like entertainer's pack.
Speaker 2: True.
Speaker 4: Anyway, Christmas obviously adds up significantly, and recent stats show
Speaker 4: that around thirty seven percent of Australians feel financially stressed
Speaker 4: over holiday expenses, and nearly one in five of us
Speaker 4: are relying on credit cards, will buy now, pay later
Speaker 4: services to make it through. I think it's easy to
Speaker 4: get swept off in the holiday magic and feel like
Speaker 4: you need to be spending big to make it extra special.
Speaker 4: But that often leads to like a post Christmas financial hangover.
Speaker 4: We spoke about that last year, this idea of like
Speaker 4: a financial hangover.
Speaker 2: It's a thing totally. I'm kind of shocked that it's
Speaker 2: only thirty seven percent, to be honest, but I mean
Speaker 2: that's people who admit that they're financially well. That's true.
Speaker 2: That's true. That's true. Some people, you know a little
Speaker 2: bit more, they're not ready to talk about money, and
Speaker 2: that's why we'd be waiting. We're just here. That's of course,
Speaker 2: we're all about finding ways to avoid that.
Speaker 4: No, we don't want a financial hangover. We don't want
Speaker 4: that because I feel like it's like anxiety. Yes, it's
Speaker 4: not just having the hangover, you get the anxiety about
Speaker 4: the money you've spent.
Speaker 2: One out of ten can't recommend totally. And I feel
Speaker 2: like the best way to find these hacks is to
Speaker 2: get them from the community. They tried the text prepare, Yes, exactly.
Speaker 2: It's like calling your mum when you've got a stain
Speaker 2: on your shirt. She just knows, you know, she just knows.
Speaker 2: She just knows, and you know who knows she's on
Speaker 2: the money community. Yes, exactly, right, So we did turn
Speaker 2: to the she's in the Money community to get their
Speaker 2: favorite Christmas hacks. Are you ready for our community tested hats?
Speaker 2: Of course I am.
Speaker 4: But before we get into our community tested hacks, I thought,
Speaker 4: you know what, we love Santa and we love talking
Speaker 4: about Santa. And I just thought that because Christmas is
Speaker 4: so magic and we are going to be talking about
Speaker 4: Santa a lot, maybe this isn't an episode for little ears,
Speaker 4: but but if it is, that's up to you totally. So, Beck,
Speaker 4: I'm going to share one from the community, and I
Speaker 4: think it's a really good one to start with, and
Speaker 4: it also got a whole heap of love on the
Speaker 4: post in our community.
Speaker 2: Just casual reminder.
Speaker 4: This all happens in our Facebook group, so if you're
Speaker 4: not there, you're missing out. So our friend Tara said,
Speaker 4: just a reminder that it is possible and perfectly reasonable
Speaker 4: to agree with people to just opt out of the
Speaker 4: over consumption festivities and not do gifts.
Speaker 2: Yes, I completely agree. I have a friend of mine
Speaker 2: who celebrates Yule, which I believe is like the rising
Speaker 2: of the sun. Or maybe I'm so sorry for anyone's
Speaker 2: seeing to this who does celebrate or knows about it.
Speaker 2: I'm completely butchering that definitions, but that also sounds fun.
Speaker 2: It is really cool, and it's just like it's less
Speaker 2: about the gifts, it's less about the amount that you're spending.
Speaker 2: And I just kind of like that idea. I like
Speaker 2: it as well.
Speaker 4: And I think that if you're going to do this,
Speaker 4: start that conversation early, because if you're starting the conversation early,
Speaker 4: someone else is not like, oh shit, but beck, I
Speaker 4: ready bought your press.
Speaker 2: Since yeah, it would be nice to be that organized.
Speaker 4: But I think it's really important to start that conversation early.
Speaker 4: But then also like, how do you bring that up back? Yeah,
Speaker 4: if last year you did presents, what if they like presents.
Speaker 4: I know, so you need to frame it properly. So
Speaker 4: frame it as a way to like focus on time
Speaker 4: together instead of just the presence.
Speaker 2: So how about we make this holiday more about like
Speaker 2: spending time together than spending money. Yeah, so that could
Speaker 2: be cute or like talk about the benefits. I think
Speaker 2: that often, and I've said this before, like we are
Speaker 2: a group of women. We're not that confrontational.
Speaker 4: I don't think like I'm never going to be like
Speaker 4: we're not doing gifts this year, Like that's just not me. Yeah,
Speaker 4: but like explain the benefits, so like emphasize you know,
Speaker 4: it's going to take a heap of stress off both
Speaker 4: of us, and like we're going to be able to
Speaker 4: focus on what matters. If skipping gifts is going to
Speaker 4: feel a little bit stressful, you could consider maybe like
Speaker 4: swapping small meaningful gestures. So let's maybe you make a
Speaker 4: rule it has to be a homemade treat or totally
Speaker 4: we beck again to get each other framed photos of
Speaker 4: our favorite memory together. Yeah, so like how do you
Speaker 4: get that? That's really cute and maybe you.
Speaker 2: Don't have a photo of it and you have to
Speaker 2: draw it? Whoa or like cozy DIY gifts, Like, yeah,
Speaker 2: what about like we do a candle making sesh together
Speaker 2: and go down to Kmart and we buy the candle
Speaker 2: making pack that I know is like twenty bucks that's
Speaker 2: ten dollars each, and then we can have a cozy
Speaker 2: afternoon at home where all of the drinks have been
Speaker 2: bought at the supermarket and nothing's overpriced. I feel like
Speaker 2: you're a crafty girl, so yeah, I love a craft
Speaker 2: all the Kmart stuff at the moment. Complete side note,
Speaker 2: Kmart has so many crafting kits at the moment. Yeah
Speaker 2: they do. They really just know what we want, almost
Speaker 2: like they are consumption core. Yeah, first they know what
Speaker 2: they do it right, and then maybe not everyone's on board.
Speaker 2: So I would ask the group. So we're gonna ask
Speaker 2: for permission to do this.
Speaker 4: We're not just going to be like, by the way,
Speaker 4: there can no presents and you go, oh, I really
Speaker 4: like giving presents, because to be honest, i'd be disappointed.
Speaker 2: Yeah, because I might go.
Speaker 4: Oh, beck, like I totally say that you don't have
Speaker 4: to get me one, but like I'm a gift give bar,
Speaker 4: like I cannot wait, yeah.
Speaker 2: To get presents.
Speaker 4: So it's never too early obviously, to talk about next
Speaker 4: year's plans and then yeah, I think that you can
Speaker 4: then get a head start on shopping for the people
Speaker 4: that you will be buying gifts for, and then you
Speaker 4: kind of know who you don't have to include in that,
Speaker 4: which is obviously going to really help the budget.
Speaker 2: And if you're really struggling to get your family over
Speaker 2: the line, Rachel told us I'm making my mum a
Speaker 2: Christmas tree skirt for Christmas. We're doing a soft introduction
Speaker 2: of making our family Christmas presents.
Speaker 4: I like, but also not everyone always has time. And
Speaker 4: I think I've shared on the podcast before that my
Speaker 4: husband's side of the family we do secondhand, handmade or
Speaker 4: homemade ye as a rule, so like it has to
Speaker 4: be secondhand or you have to make it or someone
Speaker 4: else could have made it. But you can't buy basically
Speaker 4: commercial gifts, yes, which I think is really fun because
Speaker 4: if you're not that crafty and you're like, well, I
Speaker 4: can't make a tree skirt, what.
Speaker 2: Even is a tree skirt? Like, you're not in as
Speaker 2: big of a pickle, right, Totally what I do with
Speaker 2: my family just really quickly because we also don't do gifts.
Speaker 2: You know, it's like my three brothers, my mum, and
Speaker 2: that's it for the Christmas. And I think it's really
Speaker 2: cute and crazy. But I go to Kmart and I
Speaker 2: get those like really small novelty gifts. You know, there's
Speaker 2: like squish binana and I pair it with like a
Speaker 2: box of chocolates. It's always really really cheap, and we
Speaker 2: just like kind of do this like I don't know
Speaker 2: what it's called, but it's like we all pick a
Speaker 2: number and we one by one. It's like a mysterious package.
Speaker 2: They kind of have to pick which one they want. Yeah, yeah,
Speaker 2: kind of and then do you trade. We trade, We steal,
Speaker 2: like so even though it's like you're receiving it's called
Speaker 2: bad sands, very bad sandy, but I want the squishy banana. Yeah,
Speaker 2: And it's really fun. It's there. There's small gifts, they're
Speaker 2: not that expensive, but it just makes it so much
Speaker 2: more exciting.
Speaker 4: And I kind of love that. But I also love
Speaker 4: what you were saying about, Rachel, because I feel like
Speaker 4: it gives your family the chance to warm up to
Speaker 4: the idea that you don't need to do really big
Speaker 4: presence and you're kind of like planting the seed with
Speaker 4: this epic sounding tree skirt, which is maybe beyond my capabilities.
Speaker 4: So please send pictures because maybe I could. Yeah please,
Speaker 4: I don't know, very impressive.
Speaker 2: Do you know what tree skirt is? In my mind?
Speaker 2: It's that thing that goes around like the bottom of
Speaker 2: the tree.
Speaker 3: It is.
Speaker 2: I was just testing you because because it never in
Speaker 2: my life if I bought or needed. Yeah, but it
Speaker 2: would be cool to have, you know, so one of
Speaker 2: those maybe we need to make tree skirts this year? Yeah, right,
Speaker 2: what's next? Okay, So we've got lots of community members
Speaker 2: just doing gifts for kids this year, which is Yeah,
Speaker 2: it's really smart and it's cute, isn't it. So with
Speaker 2: this good reminder from Helen who says only buy for kids,
Speaker 2: most adults have the means to buy what they want
Speaker 2: throughout the year, so gift giving because you should is pointless. Yeah.
Speaker 4: I tend to agree it's fair. But I really love
Speaker 4: gift giving and it was a lot of fun. I
Speaker 4: am that creepy store cars. So, as I've said to
Speaker 4: you before, if I die and you're in each of
Speaker 4: my phone, wipe it. I don't need anyone to say that.
Speaker 4: But I have so many notes on my phone of
Speaker 4: like ideas for presents, like and things that I think
Speaker 4: people would like, even if I'm like, maybe not even
Speaker 4: planning on getting you a Christmas present, but I alreadyapily
Speaker 4: things that you would like.
Speaker 2: Like I have a list of things that Zara would like.
Speaker 2: She doesn't know that that's cute, Like I could read
Speaker 2: it up. I know what you're into. That's really cute.
Speaker 2: I know that's really cute.
Speaker 4: Well that means that if I am going to get
Speaker 4: you a present, I can be like, oh, it's meaningful
Speaker 4: at least, and you feel heard and thought of, And
Speaker 4: I think, to.
Speaker 2: Me, that's the most important part about Christmas.
Speaker 4: Like if you know you had mentioned I'm really getting
Speaker 4: into puzzles at the moment or something, and then I
Speaker 4: bought your puzzle, you can be like, wow, she really listened.
Speaker 4: It wasn't actually the cost of the present. It was
Speaker 4: the thought that counts right anyway.
Speaker 2: Good.
Speaker 4: I love to keep us from going like overboard, and
Speaker 4: I've seen it catching on. So Nancy said, we have
Speaker 4: a four gift rule. Something you want, something you need,
Speaker 4: something to wear, and something.
Speaker 2: To read too.
Speaker 4: And I am actually implementing that for Harvey. So that's
Speaker 4: what he's like. Christmas things will be.
Speaker 2: I don't know what to do about Sanda Sacks though.
Speaker 4: Hmmm, I'm making him miss Santa Sack. At the moment,
Speaker 4: I feel like there's so many very things, Like I
Speaker 4: remember when I was a kid, someone would be like, oh,
Speaker 4: Santa brought me a PlayStation, and.
Speaker 2: In the back of my mind, I'm like, oh, Santa
Speaker 2: brought me a.
Speaker 4: Toothbrush and novelty band aids and a lot of like
Speaker 4: strawberries and cream lollies.
Speaker 2: Yeah.
Speaker 4: Like, and that's how Santa worked in our house, like
Speaker 4: all of the big presence or like, oh like thing things.
Speaker 4: Mum was always like, you know, now I'm an adult,
Speaker 4: She's like, I wasn't letting Santa take credit for the
Speaker 4: good presence.
Speaker 2: She's like those very expensive like and you only got one.
Speaker 4: I wasn't letting Sanda run with a credit like he
Speaker 4: got you novelty, fun things that you needed, but like,
Speaker 4: what do you do?
Speaker 2: Yeah, that's so true. I know that one really baffles
Speaker 2: me because I'm like, I want the magic to be there,
Speaker 2: but I also want to be like, if you're going
Speaker 2: to school in like a kid who has way more
Speaker 2: money in their family, kudos to them, but they might
Speaker 2: receive something that's way more than you can ever get
Speaker 2: your child, and then your child just thinks, hey, Santa
Speaker 2: hates me. That's okay, you know what I mean? That
Speaker 2: makes me really Yeah, It's like I kind of want
Speaker 2: to tell life.
Speaker 4: I think we should all just agree, like Santa doesn't
Speaker 4: bring big presents, end a story like, yeah, I think
Speaker 4: across the board. I don't care if your public school
Speaker 4: private Santa, he doesn't get the good stuff.
Speaker 2: Yeah, mom and dad get the good stuff.
Speaker 4: Like I remember one of my favorite things was Santa
Speaker 4: always brought us you know, those novelty band aids that
Speaker 4: you didn't get ham Yeah, like we were never allowed though,
Speaker 4: So Mum would be like no. And my little sister Alex,
Speaker 4: if you're listening, hi, she would ask for a band
Speaker 4: aid all the time. Like she would always be like,
Speaker 4: oh my finger.
Speaker 2: Mum would be like, like Alex was like obsessed with
Speaker 2: getting a band aid. So the idea that Santa gave
Speaker 2: us novelty band aids, they didn't go in the medicine cupboard.
Speaker 2: They went like in our room. We had our own
Speaker 2: stash wild. But like that was one of my favorite
Speaker 2: Christmas presents. Yeah, I get that she's so easily pleased.
Speaker 4: And while I'm starting to think about this, Harvey's in daycare.
Speaker 4: So I've got one from Kate. Kate said, top tip
Speaker 4: you don't have to buy for educators, swim teachers, coaches,
Speaker 4: et cetera. I know we'd all love to, but with
Speaker 4: the cost of living as it, they are absolutely fine
Speaker 4: without another personalized water bottle, box of chocolates or pop
Speaker 4: plant with a thanks for helping me grow tag.
Speaker 2: That's fair and honestly, just like a little bit that's.
Speaker 4: So hard is plenty so funny because I've been thinking about, like,
Speaker 4: what do you get educators for? Can you guys slide
Speaker 4: into my dams? If you are an educator, if you're.
Speaker 2: A teacher, if you're a swim teacher, what have you
Speaker 2: been gifted that actually was nice? Like what do you want?
Speaker 4: Like, do you actually want boxes of chocolates? Because like,
Speaker 4: if that's what you want, I'm a get you box
Speaker 4: of chocolates. But I can almost guarantee you don't want
Speaker 4: another plant that has a tag that says thanks for
Speaker 4: helping me grow.
Speaker 2: Yeah, true, I imagine, like and obviously I'm not any
Speaker 2: one of those things, but like, just a nice message
Speaker 2: or a card that is really really half fell and
Speaker 2: says thank you so much, genuinely f one hundred percent.
Speaker 4: On the teacher train, some might think that's controversial, but
Speaker 4: we had ex teacher just chime in and say, as
Speaker 4: an ex teacher, we would love to not receive so
Speaker 4: many gifts or if any, which I think is really funny.
Speaker 4: And another teacher, Lauren said, as a tea, I love
Speaker 4: a handmade card from my students. Oh that's cute, but
Speaker 4: like it's the thought that counts.
Speaker 2: Right, Yeah, yeah, definitely, Well that's really sweet. Okay, So
Speaker 2: this next one is straying from the teacher train, but
Speaker 2: it's definitely from a She's on the money girly. She says,
Speaker 2: I plan on having a cheap Christmas this year. As such,
Speaker 2: my husband and I will be gifting ourselves another seven
Speaker 2: thousand dollars less debt than we started with at the
Speaker 2: beginning of this year. That's so cool. Yeah, that's really
Speaker 2: cools a lot of money. Yeah, geez, even if it's
Speaker 2: like five hundred dollars less debt, two hundred dollars fifty
Speaker 2: dollars less debt, like that is all epic, right, And
Speaker 2: then I have another one, So Lola is a girl
Speaker 2: after my own heart. She says.
Speaker 4: I use a dedicated Christmas list app every year that
Speaker 4: tracks all my gifts and spending and keeps me inside
Speaker 4: my budget. It also tells me what I got previous years,
Speaker 4: so I don't double up. I start shopping at the
Speaker 4: media toy sales and put things away throughout the year.
Speaker 4: I set price alerts in Google on items I have
Speaker 4: on my list, so I get notified if the price drops.
Speaker 2: Genius and so cool, I know.
Speaker 4: And do you know what it's so annoying because like
Speaker 4: I just don't have the self, Like, what's that word
Speaker 4: I'm looking for?
Speaker 2: Control?
Speaker 1: Yeah.
Speaker 2: If I got a toy fee, yeah, same, I already
Speaker 2: gave it to you, I know, same. What do you
Speaker 2: mean you put it away? No, I'm not if I'm
Speaker 2: buying it with the intention of giving that for Christmas,
Speaker 2: even if it's two days before Christmas, I'm like, can
Speaker 2: I give you your present? Can I give you? I'm really excited?
Speaker 2: Yeah right right, yeah.
Speaker 4: But she ended with something really lovely to think about too,
Speaker 4: especially as I guess your kids are getting a little
Speaker 4: bit older. She said, Also mom and dad get big
Speaker 4: ticket items as I'm conscious that Santa doesn't always have
Speaker 4: the same budget and kids talk about what they get. Wow,
Speaker 4: I know that incredible, so funny because as I said,
Speaker 4: we should all just join together and.
Speaker 2: Agree Santa doesn't get the good presence. Yes, a cute
Speaker 2: novelty years, we're.
Speaker 4: Gonna call Santa up and be like, hey, Santa, you're
Speaker 4: on toothbrushes.
Speaker 2: You're on toothbrushes this year, socks, toothbrushes, the little things fruit,
Speaker 2: you know.
Speaker 4: Like, did you do Santa stockings growing up?
Speaker 2: Yes, we didn't got fruit lockily. We got Corinthians, Oh
Speaker 2: my gosh. Yeah, we'd always see them because they're so gigantic.
Speaker 2: They'd be like shoved down inside. You can see, you
Speaker 2: can see the shade, Yes, you can see, and you
Speaker 2: know exactly. We always got an Orbit tennis for some reason.
Speaker 2: I know that wasn't in the stocking, but I think
Speaker 2: Corinthians and Orbit tennis. What else in your stocking? Can
Speaker 2: you remember? I remember got a Dumbati soap and.
Speaker 4: Yet little things like that. Yeah yeah, yeah we got
Speaker 4: stuff like that as well. And Mum got sneaky. She
Speaker 4: used to put like our book list items in there.
Speaker 2: I want a coincidence that you needed those like screw
Speaker 2: up crayons. Sanda must have known. Yeah, yeah, yeah, you
Speaker 2: know what I feel.
Speaker 4: Rum Now I'm thinking, I'm not sure I'm that impressed you. Also, Harvey,
Speaker 4: watch out, because I'm gonna call Center up and Santa
Speaker 4: will be getting your coloring markers and anything that hypothetically
Speaker 4: your teacher needed school stuff.
Speaker 2: My best friend's dad, we gave him something from around
Speaker 2: the house that he just like, I guess it was
Speaker 2: kind of just in the background. I feel like you
Speaker 2: can do that for kids, because he didn't know. He
Speaker 2: opened up this lovely jug that was like a vase.
Speaker 2: He was like, this is beautiful, thank you. Put it
Speaker 2: back where it was, And you can do that with
Speaker 2: your kids. I imagine if you just get little toys
Speaker 2: that it's actually.
Speaker 4: Half our idea because like Harvey, at Christmas time will
Speaker 4: be ten months old, and so like ten month old
Speaker 4: doesn't need anything too dramatic, So we're just going to
Speaker 4: wrap up a whole eve of toys that he already
Speaker 4: But tip from my mom, make sure if you're buying
Speaker 4: wrapping paper for kids, it's the foil wrapping paper, not
Speaker 4: just the paper wrapping paper, because.
Speaker 2: Apparently they love it.
Speaker 4: Yeah, so we'll be wrapping Harvey's presence in foil like
Speaker 4: present paper this year.
Speaker 2: Yeah, and I think that that's really fun. Yeah, I agree.
Speaker 2: I think that's part.
Speaker 4: Have you seen that TikTok, which was the one where
Speaker 4: like they all go to Grandma's house for Christmas and
Speaker 4: throughout the year the kids have been stealing stuff from Grandma,
Speaker 4: and like they all go around the room and they're like, oh, here, back,
Speaker 4: here's your present. She repensent and she kind of looks at.
Speaker 2: It like, wow, I have one of these already, and
Speaker 2: then the next present is literally like one of her
Speaker 2: own books, and like it's all of our own stuff. Anyway,
Speaker 2: I just thought that was really funny. I think it's
Speaker 2: beautiful because it's like the joy of actually opening a
Speaker 2: gift is probably more exciting usually the gif you disappointed.
Speaker 4: Honestly, if someone gave me like ten gifts and that
Speaker 4: was actually all just stuff stolen from me, I'd be
Speaker 4: a bit But also like helps you.
Speaker 2: Sit back and realize, like, oh god, I really appreciate
Speaker 2: this book that I forgot to read. So maybe it's
Speaker 2: a win win. Okay, so if you're not doing Christmas
Speaker 2: gifts this year, but still want a little bit of
Speaker 2: Christmas cheer, Taylor says for adults, we do a ten
Speaker 2: to fifteen dollars TIMU limit, very specific insurance. Everyone who
Speaker 2: wants to participate purchases something from tim It's absolutely hilarious.
Speaker 2: It goes in a pile upon arrival. After breakfast, we
Speaker 2: played Dirty Santa, also known I think as White Elephant.
Speaker 2: Oh that's the gain that.
Speaker 4: I didn't think that, but you were talking about that.
Speaker 2: That's right, It's one of our highlights of the day
Speaker 2: and everyone has a belly laugh. I think that would
Speaker 2: be fee I love that. That's like your squishy banana.
Speaker 2: I love those little noveltives.
Speaker 4: That's a great There are so many different creative ways
Speaker 4: to make Christmas, I guess.
Speaker 2: Both fun and affordable. And we've got plenty more tips
Speaker 2: where those came from.
Speaker 4: So stick around because up next we're diving into some
Speaker 4: clever budgeting hacks our community swears by. If you're ready
Speaker 4: to keep your Christmas spending under control without cutting out
Speaker 4: the holidays here, you won't want to miar sports coming
Speaker 4: up next. All right, Beck, let's jump straight back in
Speaker 4: because I'm excited to talk more about Christmas.
Speaker 2: Let's do it.
Speaker 4: I am loving these creative ways to save on holiday costs.
Speaker 4: I guess so many of you are hacking your Woolies
Speaker 4: points as well and saving them up for Christmas, which
Speaker 4: I think is really smart. And a few of you said,
Speaker 4: don't forget that you can also use them at big
Speaker 4: W and b wus as well.
Speaker 2: Yes, very true.
Speaker 4: Big W actually has the largest line of books.
Speaker 2: Oh yeah, like they're the biggest stockists of books outside
Speaker 2: bookstores in Australia. That's really good to know.
Speaker 4: You could buy, shees all the money they're hypothetically I
Speaker 4: love a big W, I know I do, and no where.
Speaker 2: To be lie. I also love a BWS but that's okay, Hey,
Speaker 2: no judgment here, so okay. Next up we have Jade.
Speaker 2: I like how Jade budgets. She says, I estimate how
Speaker 2: much I'm going to spend on Christmas, divide it by
Speaker 2: fifty two, and every week put the amount into the
Speaker 2: savings accounts. When toys or gifts come up on sale
Speaker 2: or clearance about the year that I know I'm going
Speaker 2: to be purchasing, I'll buy it and cover the expense
Speaker 2: from the Christmas account. See that's so smart.
Speaker 4: And also if you're sitting there going v that doesn't
Speaker 4: help me because they don't have a Christmas account set
Speaker 4: one up now. Like, I know it's not going to
Speaker 4: work right now because we're planning for Christmas, but the
Speaker 4: second Christmas is over, you can start that process so that.
Speaker 2: Next to you doesn't have to be stressed exactly.
Speaker 4: Like I know it feels stressful right now, but what
Speaker 4: can we do so that future us doesn't have to
Speaker 4: do this again?
Speaker 2: So true, I think it's.
Speaker 4: Really hard as well, because like who's thinking about Christmas
Speaker 4: in like February or March, So like, just do it
Speaker 4: now and start setting it up and just maybe do
Speaker 4: a direct debit so that this time next year it's
Speaker 4: like you're faking chrisco. Yeah, babe, we have Chris go
Speaker 4: at home. Yeah, like you've done your own Christmas budgeting.
Speaker 2: Exactly, future you, well, thank you. Now. This one is
Speaker 2: from Jessicah.
Speaker 4: It's not Jessica Richie, but this one I think is
Speaker 4: her and it sounds a lot like her.
Speaker 2: Ready.
Speaker 4: My Christmas savings account is simply an account for roundups
Speaker 4: and to transfer small savings from buy on sale and
Speaker 4: save the difference challenges we do some months and I
Speaker 4: keep any cash from Facebook marketplace sales for Christmas activities,
Speaker 4: magic moments, and special treats that fall outside the normal
Speaker 4: budget to make as much magic as possible. And we
Speaker 4: spend December hand making gifts for friends and family when
Speaker 4: we feel inspired and a little bit thrifty. I am
Speaker 4: single handedly bringing Christmas back to the Gringes in the
Speaker 4: family as I go in. No way is Christmas small
Speaker 4: in our home, but it is intentional, practical and mindful.
Speaker 4: And then the brackets She said mostly.
Speaker 2: But it's really cool. We're all doing our best, right.
Speaker 2: I agree. I love the sound of this, Jessica. So
Speaker 2: Leah is taking advantage of Christmas clubs, saying I have
Speaker 2: beating back the Christmas Club. This is the first time
Speaker 2: I'm hearing about it.
Speaker 4: Really, this is something that I remember it being massive
Speaker 4: when I was little, when I said, Chris God like.
Speaker 2: I can see the logo in my head, but I
Speaker 2: can't fully remember what it is.
Speaker 4: Like these boxes that would come at Christmas time, kind
Speaker 4: of like Marley Spoon, but for Christmas, and you would
Speaker 4: select them at the start of the year and start
Speaker 4: paying them off throughout the year, so like a couple
Speaker 4: of bucks every week and then the week of Christmas,
Speaker 4: your Chrisco order would arrive. It could be like if
Speaker 4: you bought the Boogie boxes, like toys and gifts and whatnot. Cool,
Speaker 4: but it would also be like the Christmas ham, the
Speaker 4: Christmas veggies, all of the food and drink and whatnot
Speaker 4: that you wanted for Christmas, but you'd paid it off
Speaker 4: during the year, so you didn't have this big like
Speaker 4: Christmas expense. And I feel like Christmas clubs used to
Speaker 4: be a massive It's like Layby Layby used to be
Speaker 4: a massive thing.
Speaker 2: Oh I love labor.
Speaker 4: I remember going into Target with my mum to pay
Speaker 4: off bits of layby, I know, and it was really exciting.
Speaker 2: All because you like see the item and by the
Speaker 2: time you get there you used to like trot up
Speaker 2: to the back of yore. It was like the Layby
Speaker 2: window and then your mom would be like, oh, I'm
Speaker 2: going to put X down and you'd be like, oh,
Speaker 2: so we don't get it today, and Mom's like, no, no, no,
Speaker 2: we're just making a payment. I'd be like, damn, I know,
Speaker 2: but it's such a good way to do it. It's smart. Yeah,
Speaker 2: it's really really smart.
Speaker 4: But tell me more about Lea's Christmas clubs.
Speaker 2: Okay, so Leah says, I have an IgA and Maya
Speaker 2: Christmas Club account. I love the Maya account. They have
Speaker 2: a lot of forty percent off sales on at the
Speaker 2: moment and maybe even year round. This is my first
Speaker 2: year with an IgA Christmas account. Looking forward to getting
Speaker 2: the Christmas food and some left over to put a
Speaker 2: couple of food hampers together for friends. That's so nice,
Speaker 2: that's so cool. I did not even know there was
Speaker 2: a thing. I'm going to look this.
Speaker 4: Up, I think, look it up and do some research.
Speaker 4: But also we know from TikTok yes that supermarket prices
Speaker 4: often go like one week on sale, one week not
Speaker 4: on sale, one week on sale, one week not on sale.
Speaker 4: And I can almost guarantee you that these smart choice
Speaker 4: word people have decided that the week of Christmas, there
Speaker 4: are probably not going to be that many sales on
Speaker 4: all of the foods that we want for Christmas.
Speaker 2: But you could probably pre purchase.
Speaker 4: A lot of things, like if you're going to get
Speaker 4: a Christmas ham, pick it up when it's on sale
Speaker 4: and chuck it in the fridge and leave it there
Speaker 4: until you need it for Christmas.
Speaker 2: Because those things keep. I mean, probably don't buy the
Speaker 2: brocolini because that will wild.
Speaker 4: But like, can you make your Christmas list or the
Speaker 4: grocery shopping list for Christmas early and then maybe take
Speaker 4: it every time you're going shopping so that ideally you'd
Speaker 4: get everything on sale, like the cranberry jam that doesn't
Speaker 4: even go in the fridge, you know.
Speaker 2: Like you could put that in the cupboard.
Speaker 4: Yeah, collecting things you neither gravy nor worries, Like, is
Speaker 4: there like pav Mex.
Speaker 2: Do you buying?
Speaker 4: I don't know, Like, are there things you can purchase
Speaker 4: and put to the side while they're on sale?
Speaker 2: Yes? Yes, yes, exactly, especially Boxing day. Oh my god's good.
Speaker 4: I have another one though, that one was from me.
Speaker 4: Oh yeah, please a free tip. You go charge the
Speaker 4: next one, thank you. Anna has a free one, she says,
Speaker 4: I like to do opinion surveys and focus groups throughout
Speaker 4: the year to get vouchers which then pay for all of.
Speaker 2: The food and presents at Christmas. That's good idea. And
Speaker 2: then Linda, she said.
Speaker 4: She uses the Snooper app for extra cash. I've never
Speaker 4: heard of it either. She does an odd task while
Speaker 4: she's out shopping. This is her spending money for her
Speaker 4: niece and nephew. And also, don't forget to use shop
Speaker 4: back money.
Speaker 2: Yes, oh my god, I love shopping.
Speaker 4: Literally, now is the time to check your accounts and
Speaker 4: cash out any of the cash so that you can
Speaker 4: use it for Christmas.
Speaker 2: Yeah, so true. I always forget it there, but I
Speaker 2: have like eighty bucks in there that's going to take
Speaker 2: the pressure off. Oh my god, I love it. Okay,
Speaker 2: So next time we have Sarah, Sarah is spreading the
Speaker 2: cost and says, grab bits and pieces for the Christmas table,
Speaker 2: slash a banquet in the lead up. Lots of things
Speaker 2: are non perishable or freezer friendly, and it helps spread
Speaker 2: the cost out. I wish that I'd seen your list
Speaker 2: of things that you were bringing to the table before
Speaker 2: I started yapping on this podcast. So that's smart.
Speaker 4: I'm just talking about picking stuff up on sale, but
Speaker 4: like spreading the cost out throughout, you know, the month
Speaker 4: lead up to Christmas.
Speaker 2: Exactly smart.
Speaker 4: And here's some money saving hacks that also save the planet,
Speaker 4: which of course we love. At Cheese on the Money,
Speaker 4: Betty says, fabric wrapping used every year since birth for
Speaker 4: our two grandchildren. They're the only two gifts that we purchase.
Speaker 4: Isn't that cute? Like you could a spotlight and like
Speaker 4: pick out some cute Christmas fabric and use that as
Speaker 4: wrapping every year. Oh my god, that's really cute.
Speaker 2: That is really cute. That is really cute.
Speaker 4: And here's a really clever one from Emmy. Emmy said,
Speaker 4: I bought one of those small potted real Christmas trees
Speaker 4: from Bunnings.
Speaker 2: For thirty bucks four years ago, and each Christmas we
Speaker 2: bring it inside for the month of December and then
Speaker 2: give it a huge water and keep it in our
Speaker 2: courtyard for the rest of the year. Oh my god, Emmy,
Speaker 2: please tell me how you keep those alive, because I
Speaker 2: do the same killer everything every year. My Christmas tree dies.
Speaker 4: I know, but Emmy's done it five Christmas is now.
Speaker 2: Oh my god, that is really clever. I like that
Speaker 2: a lot. I just kill a lot of things. So
Speaker 2: I don't know if that's the best tip for me, totally.
Speaker 2: I love that for you, Yes, I love that. Okay,
Speaker 2: So I'm all here for this next one, Nicole says,
Speaker 2: dare I suggest but the classic regift, as long as
Speaker 2: it's not half used, why not regift to someone else
Speaker 2: who it suits. Why what if it is half used,
Speaker 2: why not still half to go? Yeah, that's so true.
Speaker 2: Here's my half used soap. I've given a half pack
Speaker 2: of digestives to someone before, and I would have taken
Speaker 2: it froft was it? The chuck was digest I know,
Speaker 2: I wouldn't see that that that's we are easily pleased. Yes,
Speaker 2: that's true. When it comes to actually buying presents, Sally says,
Speaker 2: I do keep an eye on Audie specials for chocolate
Speaker 2: boxes and cookies throughout the year. Last month they had
Speaker 2: these amazing cookie tin boxes almost four hundred and fifty
Speaker 2: grands for four dollars ninety nine. So I stocked up
Speaker 2: as Christmas gifts for my team. Oh that's so smart.
Speaker 2: Thirteen members in total.
Speaker 4: So yeah to me, Matt though, that's thirteen presents for
Speaker 4: sixty five bucks. That's a pretty serious money win.
Speaker 2: So true. I don't hay figure out so quickly. I
Speaker 2: wrote it down earlier. Oh I see that makes sense.
Speaker 2: But also I.
Speaker 4: Feel like Audi's underrated, like their cho like their biscuits.
Speaker 4: Do you know what you could do? Buy their biscuits,
Speaker 4: put it in a nice little basket yeap bam. Also,
Speaker 4: if anybody needs a good Audi wine recommendation. La Mule
Speaker 4: Rose Okay, iconic, it's very very good.
Speaker 2: La Mule Love Mule. It's got a donkey on it.
Speaker 2: That makes sense. Okay. The next one, I absolutely love
Speaker 2: this genius one from Zoe. She says, check your health
Speaker 2: fun to see what extras you can claim. Oh okay,
Speaker 2: I'm with AHM, and you can claim Cancer Council UV
Speaker 2: products under health improvements. Needless to say, the kids will
Speaker 2: be getting swimming togs this year. That's so. That's so clever.
Speaker 4: Sunscreen that's something also Sanda used to buy us.
Speaker 2: Oh my god, I've been avoiding buying it for so
Speaker 2: long because I'm like, oh, I just kind of thought
Speaker 2: it right now, but I think I will buy it,
Speaker 2: just try and see if I can claim it. I
Speaker 2: love that. That's really clever. Thank you so much, though.
Speaker 2: What else have you got? Okay, you've got another one.
Speaker 2: X one comes from Brie, who says, also lots of
Speaker 2: health funds have rewards slash perks programs. I bought a
Speaker 2: lot of gift cards discounted by my ones year.
Speaker 4: I love that and I feel like that's really smart.
Speaker 4: Last year I actually got a gift card from my
Speaker 4: niece and nephew. They did a joint gift card. You like,
Speaker 4: handwritten we all love like a little voucher. But the
Speaker 4: voucher was that I could babysit them for one day.
Speaker 2: Ah. That's very cute. That's a very good deal, isn't
Speaker 2: It's some work for you. I don't know. I need
Speaker 2: to probably take that up with my sister in law,
Speaker 2: but I feel that they think that is a very
Speaker 2: good gift. That is so so hypothetically, if you want
Speaker 2: a gift, anybody a voucher for Christmas, just DIY make
Speaker 2: at home. Yeah. I feel like it served a lot
Speaker 2: of people. Oh my god, I wish I had that
Speaker 2: confidence to give someone a gift, just like a handridden
Speaker 2: note me saying, even me out with me present my present.
Speaker 4: I do feel like it was driven by my sister
Speaker 4: in law, but I'm not mad because I do love
Speaker 4: my niece and nephew and I still haven't cashed that
Speaker 4: in properly.
Speaker 2: There you go. You could regift that one. Actually, I
Speaker 2: know it's neighbus I could. So I got this for
Speaker 2: my niece and nephew. Yes, you can have them for
Speaker 2: a day. Perfect. It's only God. They'd love that, they
Speaker 2: would love that. And you know who else is also
Speaker 2: about the experience. Yes, Susan from our community.
Speaker 4: She said, I have my eighty year old mum, adult
Speaker 4: children and partners with me for Christmas this year, so
Speaker 4: I'm taking them on a wine tour.
Speaker 2: On Boxing day. Boo gee. But also like genius. Yeah,
Speaker 2: it's all that quality time, isn't it exactly? And then
Speaker 2: one from Rachel. Rachel said, you can buy these silicon
Speaker 2: molds from Bunnings.
Speaker 4: They're designed for resin, but you can buy a five
Speaker 4: dollar bag of plaster and make as many gifts as
Speaker 4: you want for twenty two bucks. You can then give
Speaker 4: them as paint your own. Yoh, you could paint them
Speaker 4: yourself and add paint into the plaster and you could
Speaker 4: get like a cute pink heart or.
Speaker 2: Something that's a fantastic idea. You can make personalized ball
Speaker 2: balls with that.
Speaker 4: I su maybe I've been separations this year too, because,
Speaker 4: as I said, I feel like I've gone boomer.
Speaker 2: Yeah, yeah, yeah, I love that. It's really clever. So
Speaker 2: a lot of community members are saving money by baking gifts,
Speaker 2: propagating their own plants. Fiona is doing acts of service,
Speaker 2: which is a great one, giving your time instead of money,
Speaker 2: like my niece and nephew did. They have really hooked
Speaker 2: me up bick totally. They've given you your own time
Speaker 2: back to spend with them exactly. And as a mom,
Speaker 2: this one is probably the best gift that you can get.
Speaker 2: Belle says, I look after my nephew so my bro
Speaker 2: and his wife can have a date night. God like being.
Speaker 4: Reverse engineering so I can see my baby Harvey giving
Speaker 4: basically everyone in the family. You get to babysit me
Speaker 4: voucher for Christmas this year. And also Hazel says she
Speaker 4: reminded me that she makes flaky sea salt in cute
Speaker 4: jars with rosemary from our garden.
Speaker 2: I like that. Ye. Do you know what I did
Speaker 2: last year?
Speaker 4: I posted my rosemary salt recipe, which is like rosemary,
Speaker 4: there's some garlic and stuff in it.
Speaker 2: It's so good.
Speaker 4: My family already asking me, like, oh, we're getting more
Speaker 4: rosemary salts.
Speaker 2: Thank God. That's a great idea.
Speaker 4: It's in the Facebook community, but I'll make sure that
Speaker 4: I repost it because it was really cheap, Like you
Speaker 4: don't need to.
Speaker 2: Like buy the flaky salt, Like that's not what I'm about.
Speaker 2: Because flaky salt, Beck, it's expensive. It's expensive. You just
Speaker 2: need literal salt because you end up putting it in
Speaker 2: a food process or anything. Rude and also sorry, it's
Speaker 2: beautiful flaky salt, but it hurts your fingers when you
Speaker 2: got to crush it up my hands.
Speaker 4: Oh no, you put it in the food processor. Do
Speaker 4: you break up your flaky salt when you eat it?
Speaker 2: Is that what everyone does? I don't think so. I
Speaker 2: love the chunks of so oh. I see, that's probably
Speaker 2: why they're flaky, because that's how people eat it anyway.
Speaker 1: God.
Speaker 2: Now. The next one comes from Rebecca great name. Rebecca
Speaker 2: says she makes cookie jars with dry ingredients and instructions
Speaker 2: to bake them. That's oh my gosh.
Speaker 4: I've seen that online before where you get like the
Speaker 4: beautiful Mason jars, fill it with the flour in like layers.
Speaker 2: It's like one of those sand jars.
Speaker 4: Yeah.
Speaker 2: Tag, Oh, she's a smart girl. That's so clever. This
Speaker 2: next one comes from Memory. She says she's taking up
Speaker 2: crocheting and everyone is getting bucket hats this year. That's
Speaker 2: actually really cute.
Speaker 4: To another one, she says, beach towels and her go
Speaker 4: to as they're always on sale somewhere.
Speaker 2: That's true genius.
Speaker 4: And Danny is making homemade kits like ice cream decorating kids, oh,
Speaker 4: hamper hambers or sauces and spices.
Speaker 2: Yeah, I love that. I love that. And then Peter
Speaker 2: chimed in and said, I'm actually going to create a
Speaker 2: Christmas cookbook for all the adults in the family. Great
Speaker 2: that love. That sounds like a lot of work, but
Speaker 2: good for you is.
Speaker 4: But like maybe you could go get like, you know,
Speaker 4: your uncle's favorite recipe, your aunt's put it all together
Speaker 4: and then you have a family cookbook.
Speaker 2: Oh my god, that is so so really cute. Yeah,
Speaker 2: I love it. Ah. And then recipes don't get lost.
Speaker 2: Yeah much of that with my friends here. That's actually
Speaker 2: so smart, like a book of all your favorite recipes
Speaker 2: as a group. Yeah, I love that. All right, I
Speaker 2: think that we are nearly done here, but I just
Speaker 2: want to wrap up by saying, we know that in
Speaker 2: this cost of living crisis, it is even more tight
Speaker 2: for a lot of you this year, right, and Christmas
Speaker 2: might feel more stressful than usual, but as we know
Speaker 2: in this community, Beck, one of my favorites, saying is
Speaker 2: when in doubt, zoom out and Christmas.
Speaker 4: Honestly, it's about connection. It's about warmth, it's about those
Speaker 4: cozys that you were talking about before. It's about being
Speaker 4: there for one another. So maybe this Christmas is not
Speaker 4: going to be.
Speaker 2: As big or as flashy as previous.
Speaker 4: Ones, or as flashy as you kind of hoped. I
Speaker 4: know that so many of us kind of like go on,
Speaker 4: but I really want it to.
Speaker 2: Be x y Z.
Speaker 4: You know what, That's perfectly okay. What is mattering the
Speaker 4: most is that we are here. We get to be together,
Speaker 4: and we get to find joy in the small things,
Speaker 4: and to me, that's what makes this season truly special.
Speaker 2: Totally agree. I do want to anowoge. There are some
Speaker 2: people that probably don't have the people around them for Christmas,
Speaker 2: and it can be really sad. But just know that
Speaker 2: we are here, your community, We are hundred we are
Speaker 2: your friends. But I think it's a perfect place to
Speaker 2: leave it. If you want to see the fullest of
Speaker 2: shoes in the money communities Christmas hacks, head over to
Speaker 2: our Facebook group. We've got some great Christmas hacks to share.
Speaker 2: I love that. So if you're on your own on Christmas.
Speaker 2: We're here for you. You're not technically alone, You're with us
Speaker 2: in sight spirit, And just like I did last year,
Speaker 2: I'm going to drop a Christmas episode on Christmas Day
Speaker 2: so that maybe we could go for like a walk
Speaker 2: chingether of something perfect. It's I love this for us,
Speaker 2: all right, guys, We will see you on Friday. Have
Speaker 2: a good day. Bye, guys. The advice shared on She's
Speaker 2: on the Money is general in nature and does not
Speaker 2: consider your individual circumstances. She's on the Money exists purely
Speaker 2: for educational purposes and should not be relied upon to
Speaker 2: make an investment or financial decision. If you do choose
Speaker 2: to buy a financial product, read the PDS TMD and
Speaker 2: obtain appropriate financial advice tailored towards your needs. Victoria Divine
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