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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 1: Hello and welcome to She's on the Money, the podcast

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Speaker 1: for millennials who want financial freedom, believe it or not.

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Speaker 1: Today is the first of December, which means Christmas is

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Speaker 1: just three and a half weeks away, and to celebrate

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Speaker 1: over the next few Wednesdays, we'll be bringing you some

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Speaker 1: extra festive content To kick things off. Today, we're going

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Speaker 1: to be diving deep into our top twelve hacks to

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Speaker 1: help you save money this silly season, and given Australians

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Speaker 1: are tipped to spend twenty three point nine billion dollars

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Speaker 1: on Christmas this year, poofed. Indeed, VICKI d these tips

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Speaker 1: could be exactly what we all need now. My name

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Speaker 1: is Georgia King, and joining me as always is of

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Speaker 1: course financial advisor Victoria devine v. Firstly, happy first day

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Speaker 1: of summer. Hello, great news, great results. Thank you and

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Speaker 1: did you enjoy the intro of the pod? You know

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Speaker 1: I did? You saw me boppin and Jivan I love it? Yeah?

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Speaker 3: We this time, guys, we played it before we started

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Speaker 3: podcasting so that we could feel extra festive.

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Speaker 1: And I'm feeling festive for sure.

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Speaker 3: This is how adults run their lives and.

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Speaker 1: Work, right, Yeah, yeah, for sure, for sure. The twenty

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Speaker 1: three point nine billion dollars is what I said before.

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Speaker 3: I've never seen in as many dollars as that in

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Speaker 3: my whole life.

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Speaker 1: It's a lot. It's a big jump from last year

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Speaker 1: as well, so that is information that's come from Finder.

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Speaker 1: But that's a lot of billions VD.

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Speaker 3: That's many billions, in fact, it's twenty three point nine

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Speaker 3: of them, correct.

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Speaker 1: So how do you feel about that? Is that's obviously

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Speaker 1: not what you're expecting this year.

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Speaker 3: No, I've read the reports, I've seen it, and to

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Speaker 3: be honest, I think that a lot of us are

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Speaker 3: going to be making up for having such not so

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Speaker 3: nice years.

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Speaker 1: And I think that a.

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Speaker 3: Lot of us just feel like we want to make

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Speaker 3: ourselves feel a bit better. So I'm not surprised that

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Speaker 3: we are all doing that. It's kind of like a

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Speaker 3: bit of a rebound in a way, like you're bouncing

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Speaker 3: back into something by potentially going too hard. So it

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Speaker 3: does make me a little bit uncomfortable, especially given the

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Speaker 3: amount of financial stress that so many people have been

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Speaker 3: in this year.

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Speaker 1: It just doesn't make sense.

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Speaker 3: To put even more financial stress on ourselves when in reality,

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Speaker 3: I guarantee most people can't least off the top of

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Speaker 3: their head exactly what they got for Christmas last year.

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Speaker 1: Yeah, that's a really good point.

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Speaker 3: Actually, thank you, it's the one I just made.

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Speaker 1: Jeez, well done. There's a start out there and I

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Speaker 1: don't have it with me. Statt girl has let the

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Speaker 1: team down today. But isn't Georgia King? Is it true

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Speaker 1: that Christmas is among the most financially stressful times of year? Yes?

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Speaker 3: Absolutely, it is arguably the most financially stressful time of year,

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Speaker 3: and it's the most likely time of the year that

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Speaker 3: your partner is going to ask you for a divorce.

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Speaker 3: Scary stuff.

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Speaker 1: Oh geez, a lot happening. Then just throw the throw

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Speaker 1: the book at it. But before we move into our tips,

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Speaker 1: I also wanted to add that, according.

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Speaker 3: It's not a tip, don't ask your partner for a

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Speaker 3: divorce unless you're actually thinking about that already in that dress,

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Speaker 3: send to cheese on the money and be like, great idea,

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Speaker 3: but get him that for Christmas.

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Speaker 1: But before we do get to our proper tips today,

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Speaker 1: by I just wanted to point out that, according to

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Speaker 1: that same research, millennials are expected to spend more than

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Speaker 1: any other generation this year, and it's actually one five

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Speaker 1: hundred and eighteen dollars according to Finder. That's so much money.

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Speaker 3: I can't fathom that people are spending that much money

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Speaker 3: at Christmas again, especially given how much we've been through

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Speaker 3: in the last twelve, eighteen, twenty four months, Like it

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Speaker 3: just seems like a silly number when fifteen hundred dollars

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Speaker 3: would be a really great emergency fund for someone. I'm

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Speaker 3: not saying go and don't spend money on Christmas, but

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Speaker 3: like maybe one for you, two for me kind of

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Speaker 3: vibes where you're actually putting yourself first this Christmas and

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Speaker 3: making sure And I don't mean in a gift giving way,

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Speaker 3: I mean in a savings way.

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Speaker 1: Georgia.

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Speaker 3: I feel like people might take that advice or just

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Speaker 3: run with it, but that don't okay, So let's get

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Speaker 3: straight into the tips. Let's do it be okay. Our

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Speaker 3: first tip here is to shop online where possible. Why

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Speaker 3: is this such a classic tip?

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Speaker 1: VIKIDK.

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Speaker 3: Is it so that we can use shop back and

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Speaker 3: get some six sick cash back?

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Speaker 1: Is that why? I think? I think that's why.

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Speaker 3: That's an unsolicited sponsor shout out, like they're not paying

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Speaker 3: for that, but I genuinely think that by shopping online, one,

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Speaker 3: you can make more educated decisions, so you can like

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Speaker 3: look around without having to walk the entirety of Chadsten

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Speaker 3: three times to find the best price for a singular item.

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Speaker 1: The second thing.

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Speaker 3: There is you can make the most of discounts, and

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Speaker 3: usually you can google discount codes or like sign up

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Speaker 3: to their website and get ten percent off your first purchase,

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Speaker 3: or you can use things again like shop back, which

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Speaker 3: we obviously advocate for, whether they're paying us to say

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Speaker 3: it this time or not. And it means that you're

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Speaker 3: more likely to buy less because you don't have as

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Speaker 3: much impulsiveness when you're shopping online as compared to when

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Speaker 3: you like walk through Maya and you see those little

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Speaker 3: gift things, You're like, oh my gosh, Georgia would love

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Speaker 3: that as well. I'll just pop that in her stocking.

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Speaker 3: So I feel like shopping online is probably a really

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Speaker 3: good idea, but we need to do it early, especially

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Speaker 3: because we know that throughout the last year, os Post

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Speaker 3: has been pretty good at being delayed. So if you

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Speaker 3: are going to be shopping online this Christmas, I'd be

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Speaker 3: doing it sooner rather than later, so you don't end

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Speaker 3: up doing the mad dash to a shopping center at

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Speaker 3: midnight the day before Christmas because your presence dinner or I.

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Speaker 1: Guess it also is a really big time saber e

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Speaker 1: which you know, everything amps up at this time of year.

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Speaker 1: We're all so busy, so that's quite handy as well.

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Speaker 1: Our second tip for today V is of course, to

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Speaker 1: know your budget and to not be tempted to spend

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Speaker 1: more than you can actually afford. Amen.

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Speaker 3: And there is a budgeting template for Christmas on our

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Speaker 3: web sites, so use it. Write exactly what you want

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Speaker 3: to spend down and then work it out properly, because

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Speaker 3: I think the one thing that we are all really

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Speaker 3: naughty at at Christmas time is just assuming.

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Speaker 1: Like in my head, George, I'll be like, oh, I'll probably.

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Speaker 3: Spend about five hundred dollars at Christmas time, Like in

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Speaker 3: my head that's a lot of money, because it is.

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Speaker 3: But then I forget that everything adds up. So I've

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Speaker 3: got my sister, I've got my partner, I've got you know,

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Speaker 3: my nieces and nephews. I've probably got family Chris Kringle,

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Speaker 3: and five hundred dollars is going to for me creep up,

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Speaker 3: really quickly because of the amount of people I buy

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Speaker 3: presents for. So we've got to be really realistic about

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Speaker 3: what that looks like.

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Speaker 1: And setting realistic.

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Speaker 3: Budgets at the start is going to mean you keep

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Speaker 3: to that budget. Because I might allocate it all out

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Speaker 3: and go, all right, fifty bugs per present sounds reasonable.

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Speaker 3: I write it all down and realize that's actually out

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Speaker 3: of my budget.

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Speaker 1: But if I cut it.

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Speaker 3: Down to forty dollars a gift, I'm bang on. So

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Speaker 3: if we do these little negotiations with ourselves and set

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Speaker 3: the tone at the start and set the expectation, then

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Speaker 3: we don't find ourselves blowing out because you just didn't

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Speaker 3: think about it comprehensively enough. And it's so easy to

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Speaker 3: forget how much little presents add up. And it's not

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Speaker 3: just about am I getting Georgia a Christmas present?

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Speaker 1: Low key? Yes, I am, just FYI love it.

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Speaker 3: Second thing is the little things like are you going

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Speaker 3: to go to a friend's house for some Christmas drinks

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Speaker 3: or a Christmas barbecue? How much is that box of

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Speaker 3: favorites or their favorite box of chocky lint balls? Like

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Speaker 3: those things can be twenty plus dollars very easily. You

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Speaker 3: go to three of those barbecues. You spent sixty bucks.

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Speaker 3: You didn't even realize you were going to spend to.

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Speaker 1: Sure slight digression. A couple of weeks ago, I actually

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Speaker 1: did chat about favorites and specifically picnic bars, which I'm

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Speaker 1: going to say it here on the podcast are a

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Speaker 1: grossly underrated chocolate bar.

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Speaker 3: Why come on, tell us exactly, why get us on

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Speaker 3: your team?

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Speaker 1: Sellers? When I was younger, member that you're in your twenties,

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Speaker 1: so you are, in fact, Oh thanks girl. I don't

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Speaker 1: feel it though, but you know, you get a box

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Speaker 1: of favorites, you're snagging the flake, You're snagging the caramelo blake.

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Speaker 1: Oh my god. Everyone. Maybe we're not so similar, you

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Speaker 1: and I. But I always dismissed picnics as just being

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Speaker 1: like this greedy, peanutty mess of a chocolate that was

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Speaker 1: like too rich, you could never finish a whole one. Anyway.

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Speaker 1: Fast forward to a couple of weeks ago, I was

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Speaker 1: given a box of favorites by someone who clearly didn't

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Speaker 1: like me very much. I'm joking, it was a great gift.

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Speaker 3: I was going to say, that's a solid twenty bucks

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Speaker 3: spent on you.

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Speaker 1: Right, there. It was a small box. Anyway, the picnics

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Speaker 1: were the only ones that were left, so I grabbed

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Speaker 1: one at times I get it and turns out it

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Speaker 1: was delightful. Yeah, anyway, that was a five minute, bloody

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Speaker 1: digression for no reason. But so you give them the

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Speaker 1: best healthy and I didn't even know. So if you've been.

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Speaker 3: Hoarding, maybe this is a Georgia King tip. If you've

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Speaker 3: been hoarding the picnics, you could actually gift them for

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Speaker 3: Christmas to Georgia and she'd be so.

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Speaker 1: Happy correct send them to me. I'll be thrilled, all right,

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Speaker 1: V Let's move on to our next little tip here.

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Speaker 1: It is to not go into debt where possible to.

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Speaker 3: Still exactly so, this one might not save you any

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Speaker 3: money during their festive season, but it's very likely going

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Speaker 3: to save you a lot of cash down the line.

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Speaker 3: You need to remember that the people in your life

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Speaker 3: who you might be gifting for quite likely don't want

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Speaker 3: you to go into debt for their benefit. Like, there's

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Speaker 3: nobody in my entire life who would say a present

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Speaker 3: is more important than Victoria staying out of debt, Like,

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Speaker 3: think about it that way. Reframing it really does help.

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Speaker 3: But don't feel like you need to lean on credit

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Speaker 3: or buy now, pay later providers, because they have been

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Speaker 3: really cheeky with their marketing recently to make you feel

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Speaker 3: like that's the easy way around Christmas time. But that,

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Speaker 3: from my point of view, is a very easy way

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Speaker 3: to start the year next year with debt, and we

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Speaker 3: don't want to be in that position if we can

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Speaker 3: avoid it now. Please don't think that I'm saying no

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Speaker 3: to any form of debt this Christmas, because I know

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Speaker 3: that there are a lot of families that are going

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Speaker 3: to need to rely on Christmas to have a day

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Speaker 3: that just sparks joy, and that is what's necessary.

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Speaker 1: At the end of the day.

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Speaker 3: As much as we always say don't go into debt,

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Speaker 3: don't do it.

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Speaker 1: Debt is bad.

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Speaker 3: It is, But I'm also a real person who gets

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Speaker 3: real situations, and sometimes that's the best decision for you

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Speaker 3: and your family at that point in time. The one

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Speaker 3: thing we don't want to do is stick our heads

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Speaker 3: in the sand about the debt, though, so we want

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Speaker 3: to make sure that whatever debt we are taking on

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Speaker 3: this festive season, we're avoiding getting in as much of

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Speaker 3: it as possible. It's not an in debt or not

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Speaker 3: in debt situation, if you need to use it, We're

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Speaker 3: still thinking about how we can save as much money

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Speaker 3: as possible.

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Speaker 1: We're not just.

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Speaker 3: Going gung home being like, all right, well I have

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Speaker 3: to use my credit card. I guess I'll just spend double,

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Speaker 3: which is a very easy thing to say and to

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Speaker 3: do to yourselves. But also about creating a plan of

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Speaker 3: how to get out of that debt, like make a

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Speaker 3: reasonable plan that says, Okay, if if I spend X

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Speaker 3: amount on after pay, I'm going to be able to

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Speaker 3: pay it off in this amount of time and I

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Speaker 3: know I'm going to have that income to service that debt,

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Speaker 3: because that's the thing we all forget when we just

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Speaker 3: tap our cards. And nowadays, with after pay being available

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Speaker 3: in every single retail outlet at every single shopping center

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Speaker 3: I've seen recently, it's going to be so much easier

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Speaker 3: to say, ah, that's a lot less pain to have

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Speaker 3: to part with my cash this festive season because I've

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Speaker 3: got so many presents to buy. It's not a good

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Speaker 3: idea if you're in that situation where you're thinking, oh,

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Speaker 3: I shouldn't be really spending it, but if I put

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Speaker 3: it on after pay, it's easier. Try finding something cheaper

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Speaker 3: to purchase, Like, it's just not worth it. And we're

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Speaker 3: talking about this a couple of weeks ago, George, on

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Speaker 3: the episode that we were ranting on about after Pay,

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Speaker 3: and you guys know how I feel about that. But

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Speaker 3: please keep in mind that after Pay made more than

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Speaker 3: eighty seven point three million dollars in late fees last

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Speaker 3: financial years, so they're not not benefiting from us not

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Speaker 3: being able to pay our debts back.

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Speaker 1: And that's a lot of money.

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Speaker 3: Arguably, Georgia, that's more money than you and I combined

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Speaker 3: or spend on Christmas.

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Speaker 1: Well just to touch, I reckon.

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Speaker 3: Just to touch just a couple of dollars over me.

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Speaker 3: But it's serious, Like, that's not something that anybody chose, right,

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Speaker 3: Nobody goes and puts something on after Pay with the

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Speaker 3: intention of incurring a late fee.

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Speaker 1: Nobody wants that, No, of course not.

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Speaker 3: Of course, people have incurred eighty seven point three million

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Speaker 3: dollars worth of late fees, so it clearly happens more

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Speaker 3: often than not.

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Speaker 1: Yeah, oh, after Pay, let's move on from that. Let's

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Speaker 1: bring the back, bring them up. And this one's this

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Speaker 1: one goes out to the lovers out there that are listening.

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Speaker 1: So if you and your partner always go over the

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Speaker 1: top with gift giving each and every year Christmases and

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Speaker 1: birthdays and adversaries, instead of just throwing more gifts at

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Speaker 1: each other, suggest experiences or perhaps just a year of

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Speaker 1: no gift, a year of no gift, as they say, V,

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Speaker 1: what are your thoughts on this one?

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Speaker 3: I think this is a good idea, Like, if you

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Speaker 3: guys have big shared that you're working towards, or maybe

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Speaker 3: you're both just a little strapped for cash this year

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Speaker 3: and don't want to spend hundreds of dollars on each

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Speaker 3: other or even any dollars on each other, just suggest

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Speaker 3: a no spend chrissy and ditch the gifts. Like I

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Speaker 3: think that there's something really empowering about being like, hey babe,

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Speaker 3: I reckon, we just don't buy each other gifts. So,

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Speaker 3: hey babe, I know you're really strapped for cash, please

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Speaker 3: don't buy me anything. And they'll probably be like, oh no, no, no,

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Speaker 3: and then you can agree.

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Speaker 1: To both not do it.

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Speaker 3: But I think it's one of those things that are

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Speaker 3: really underrated, like why do you have to get someone

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Speaker 3: a Christmas present? Like I just like let's think about

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Speaker 3: this on a deeper level, Like what's the point in

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Speaker 3: saying that. I know Steve doesn't listen to our podcast

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Speaker 3: and he has asked for a new toilet Tree spag,

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Speaker 3: so he will be getting that this Christmas. Oh, bless

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Speaker 3: you imagine.

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Speaker 1: I just feel like that's such a generic male gift,

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Speaker 1: so boring. Male toiletry bags are just bland, bland, bland, bland, yeah, bland.

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Speaker 3: But we went away a couple of weeks ago just

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Speaker 3: for the weekend, and he had this one that was

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Speaker 3: so old I swear it was like all of the

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Speaker 3: logos had rubbed off. He must have had it for

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Speaker 3: fifteen plus years. And I was like, where did.

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Speaker 1: You get that?

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Speaker 3: Like I've never said this in my life, And he

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Speaker 3: was like, oh, maybe that's what you can get me

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Speaker 3: for Christmas. So obviously I'm going to be spending big

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Speaker 3: on a toilet Trees bag, but I'm getting him something

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Speaker 3: he needs. So that's probably another way to give things

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Speaker 3: that people actually want is having a chat like, gee,

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Speaker 3: is there anything you need for Christmas? Like can exactly

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Speaker 3: get you something that's really practical?

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Speaker 1: And I mean, what's a toilet Tres bag?

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Speaker 3: Like thirty bucks or something like, is he yeah, trot

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Speaker 3: down to Kmart. I can get him something that I

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Speaker 3: know he wants, he needs, and he's going to use

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Speaker 3: money win.

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Speaker 1: Yeah, love it, Harps and I Actually we've been wanting

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Speaker 1: to go to Tasmania for years now. Pandemic has got

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Speaker 1: tasty a way we got tassy, I said, I'm by

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Speaker 1: I guess so we're really keen to go. So we're

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Speaker 1: going to go early next year. And instead of getting

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Speaker 1: gifts to each other, we're just gonna be like, that's

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Speaker 1: our present, Like we'll buy each other spirit tickets, red flights,

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Speaker 1: whatever we wound up doing. So, yeah, it's a nice

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Speaker 1: little idea. I love thank you so much.

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Speaker 3: And I mean Steve is a man of very few words.

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Speaker 3: I feel like now we've gotten engaged. Though I can't

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Speaker 3: stop talking about it. I'll just talk about him more. Also,

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Speaker 3: don't tell him I talk about him so much on

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Speaker 3: the podcast. I think he won't like it. Man and

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Speaker 3: few words. But if he was to write me a

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Speaker 3: Christmas card, that would mean a lot more to me

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Speaker 3: than a gift he could purchase me again, Man a

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Speaker 3: few words, so very unlikely to happen, but if it did,

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Speaker 3: that'd mean a whole heap.

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Speaker 1: Yeah. No, I'm with you on that one. We love

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Speaker 1: the nice words. Our next tip here VD is to

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Speaker 1: ditch the booze genius, which I definitely need to get around.

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Speaker 1: Can you talk us through this one.

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Speaker 3: Look, everyone is across the expense of gifts, food, travel

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Speaker 3: and everything else that adds up over the silly season,

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Speaker 3: but we often forget just how expensive booze is, especially

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Speaker 3: in Australia like Georgia. Do you remember back in the

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Speaker 3: day when we could travel and how cheap alcohol is overseas?

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Speaker 1: Oh, like in Europe. Oh my gosh, it is so cheap.

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Speaker 1: But that was so exciting. I remember being in Europe

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Speaker 1: with your little sister and bottles of vodka were like

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Speaker 1: seven dollars, Like, okay, we'll take ten. Oh my gosh.

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Speaker 1: Do you even remember being there? Yeah, Look, it's kind

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Speaker 1: of like a dream now, a long time ago.

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Speaker 3: All right, we digress back to Christmas conversation. But over

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Speaker 3: Christmas a lot of us tend to drink a lot.

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Speaker 3: And it's not necessarily us just wine after wine. It's

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Speaker 3: more than consistency that we are drinking every day. Because

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Speaker 3: I'll go Thursday out for drinks. Everybody seems to want

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Speaker 3: to catch up before Christmas. I don't know why that exists.

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Speaker 3: I'm sure you're gonna bring it up again soon, George,

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Speaker 3: but we all want to catch up before Christmas, and

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Speaker 3: that usually involves some form of alcoholic beverage, but it

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Speaker 3: needn't actually involve that alcoholic beverage. And keeping costs down,

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Speaker 3: saying you're not drinking that night completely takes the cost

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Speaker 3: of alcohol off the tab, which I think is a

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Speaker 3: very smart way to go, and you're going to wake

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Speaker 3: up feeling a whole heap better than you would if

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Speaker 3: you drank a fair few wine and then went to bed.

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Speaker 1: Yeah, for sure. Question on this fee, I'm curious to

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Speaker 1: hear your thoughts. If you were out for dinner with

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Speaker 1: your girlfriends. You're out with three of them and they

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Speaker 1: were all drinking, but you weren't. Yeah, when it came

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Speaker 1: time to pay the bill, would you just split it

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Speaker 1: evenly or would you say, hey, girls, I'm not drinking,

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Speaker 1: so do you mind if I ooft you know, don't

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Speaker 1: pay as much and we split it.

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Speaker 3: I would probably say that recently. Actually it's not the same,

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Speaker 3: but it's also the same. I'm in that phase of

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Speaker 3: my life. Guys, I'm thirty. These is wild. My friends

378
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Speaker 3: are having babies on purpose, and we're going out for

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Speaker 3: dinner and they won't drink because obviously they're pregnant. But

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Speaker 3: I'm the one that seems to go, hey, no, they

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Speaker 3: don't split it evenly, like you didn't have any of

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Speaker 3: the wine that we ordered. So I think that being

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Speaker 3: mindful of your friends that aren't drinking as well is

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Speaker 3: really important to make sure that you're not lumping an

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Speaker 3: unnecessary cost on them. Like for sure, I think a

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Speaker 3: lot of people are often too polite to bring it

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Speaker 3: up because they don't want to seem like the stingy friend,

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Speaker 3: when in an actual factor, you're not. You absolutely should say, hey,

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Speaker 3: you ordered a sixty dollars bottle of wine. I don't

390
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Speaker 3: particularly want to have to foot that cost, which is

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Speaker 3: very fair.

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Speaker 1: But if you're the one ordering the.

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Speaker 3: Wine, have the self awareness to say, hey, ge, you

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Speaker 3: didn't have any of this, do you want to just

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Speaker 3: split it differently?

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Speaker 2: Love it?

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Speaker 3: And they'll often be like, oh, yeah, okay, because that's

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Speaker 3: what they were thinking anyway.

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Speaker 1: Yeah for sure, okay. Perfect. Our last tip here before

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Speaker 1: we head to the break V is that if you're hosting,

401
00:18:30,960 --> 00:18:33,919
Speaker 1: don't be afraid to ask people to bring plates, to

402
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Speaker 1: bring their own booze, etc. Genius. Yeah, because obviously that

403
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Speaker 1: can get very expensive if you're footing the costs for everything.

404
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Speaker 3: Right, it also makes things so much easier on the day,

405
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Speaker 3: like instead of having to organize an entree and snacks

406
00:18:48,680 --> 00:18:51,200
Speaker 3: and probably a cheese platter, and cheese platters can add

407
00:18:51,280 --> 00:18:53,520
Speaker 3: up so quickly. Throw back to the time we did

408
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Speaker 3: our twenty five dollars Audi cheese platters. Yes, that was,

409
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Speaker 3: Oh my gosh, that was probably one of my favorite

410
00:18:58,600 --> 00:19:02,080
Speaker 3: collaborations we've ever done. Like I still talk to people

411
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Speaker 3: about the time we did that and it was just

412
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Speaker 3: so fun. But it's one of those things where if

413
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Speaker 3: you divvy it all up one people feel like they're contributing.

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Speaker 3: Usually when you go to somebody else's house, you would

415
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Speaker 3: take a gift, right, but you probably don't have to

416
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Speaker 3: do that if you're bringing a dessert or contributing in

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Speaker 3: some way to the meal, So that actually takes that

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Speaker 3: cost away as well, Like why would you bring a

419
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Speaker 3: box of favorites if you've just made a giant have

420
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Speaker 3: Like it makes sense to divvy those things up. It

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00:19:28,880 --> 00:19:32,440
Speaker 3: means that everybody stress is less, everybody feels like they're contributing,

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Speaker 3: and we have a better time because arguably my cooking

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Speaker 3: isn't as good as everybody else's.

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Speaker 1: We love. Okay, we will be back after a very

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Speaker 1: short break with the rest of our festive tips, So

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Speaker 1: please don't go anywhere, guys. Alrighty VD, Let's jump bake.

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Speaker 3: Bake, Let's jump bake.

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Speaker 1: We are in J King. What is our next tip?

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Speaker 1: That is staying? Do you say that's staying? Absolutely that

430
00:19:57,080 --> 00:20:01,160
Speaker 1: let's say baic into it. I don't know what happened there.

431
00:20:01,280 --> 00:20:05,280
Speaker 1: That's okay. It is to be on. It is to

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Speaker 1: shop sooner than later, genius, tell us about it, fee genius.

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Speaker 3: Obviously, we mentioned before that Christmas Eve shopping is not

434
00:20:13,080 --> 00:20:15,919
Speaker 3: a good idea. One because you're under a heap of

435
00:20:15,920 --> 00:20:18,480
Speaker 3: fresher too because you probably should be in bed. But three,

436
00:20:18,520 --> 00:20:20,639
Speaker 3: you end up getting things that people don't want just

437
00:20:20,680 --> 00:20:22,840
Speaker 3: because you want to get a gift. So write down

438
00:20:22,840 --> 00:20:25,479
Speaker 3: your list. Arguably shop online so that you can use

439
00:20:25,520 --> 00:20:27,760
Speaker 3: systems like shop back and make sure that you're using

440
00:20:27,840 --> 00:20:31,199
Speaker 3: discount codes and like sign up codes. Now, Jking, this

441
00:20:31,280 --> 00:20:33,399
Speaker 3: might be a little controversial side tip. But I know

442
00:20:33,480 --> 00:20:36,520
Speaker 3: heaps of websites allow you to use a ten percent

443
00:20:36,640 --> 00:20:39,040
Speaker 3: discount for signing up to their newsletter, but it's for

444
00:20:39,080 --> 00:20:42,639
Speaker 3: your first purchase. But hypothetically, if you hadn't purchased from

445
00:20:42,720 --> 00:20:45,399
Speaker 3: your work email before, maybe you should sign up again

446
00:20:45,480 --> 00:20:49,000
Speaker 3: and reap the benefits of having that ten percent reapplied

447
00:20:49,040 --> 00:20:51,439
Speaker 3: to you. Personally, I think it's a genius idea.

448
00:20:51,520 --> 00:20:54,280
Speaker 1: Surely everyone does that, right? I thought everybody does that?

449
00:20:54,440 --> 00:20:56,359
Speaker 1: Or is it just us? I don't know, maybe we

450
00:20:56,440 --> 00:20:57,800
Speaker 1: just sound really dodgy, but I.

451
00:20:57,720 --> 00:21:00,359
Speaker 3: Think it's a really smart idea, Like why why not?

452
00:21:00,920 --> 00:21:05,200
Speaker 1: Definitely okay? Next to Pierre is to get your dey

453
00:21:05,280 --> 00:21:08,840
Speaker 1: on Jessica Richie's style and opt for homemade gifts. Oh

454
00:21:08,840 --> 00:21:10,280
Speaker 1: my gosh, I can't wait.

455
00:21:10,880 --> 00:21:13,320
Speaker 3: I know jess is going to make so many cute

456
00:21:13,400 --> 00:21:15,879
Speaker 3: homemade things this year. If you guys don't follow her

457
00:21:15,960 --> 00:21:19,240
Speaker 3: on Instagram, you absolutely should because she is the most

458
00:21:19,280 --> 00:21:22,479
Speaker 3: festive person think this way. She has negotiated with her

459
00:21:22,480 --> 00:21:24,760
Speaker 3: partner to be allowed to put the Christmas tree up early,

460
00:21:24,840 --> 00:21:27,639
Speaker 3: she forces him to wear matching pajamas with her at

461
00:21:27,720 --> 00:21:31,760
Speaker 3: Christmas time, and she has made the entire She's on

462
00:21:31,800 --> 00:21:34,840
Speaker 3: the money Christmas tree, but all the ball balls are

463
00:21:34,880 --> 00:21:38,840
Speaker 3: handmade and hand painted, and then she's like cricketed labels

464
00:21:39,040 --> 00:21:40,919
Speaker 3: so that it looks like a branded She's on the

465
00:21:40,960 --> 00:21:43,320
Speaker 3: money ball bull. So if you see a picture on

466
00:21:43,400 --> 00:21:47,800
Speaker 3: Instagram soon of our Christmas festive content which is coming,

467
00:21:47,880 --> 00:21:51,800
Speaker 3: because yay, but everything's been had made by Jess, Like

468
00:21:51,960 --> 00:21:52,800
Speaker 3: is that not wild?

469
00:21:52,960 --> 00:21:55,840
Speaker 1: That is obscene? What a crafty young woman I know?

470
00:21:56,000 --> 00:21:58,639
Speaker 3: And she was doing it the other day on Zoom actually,

471
00:21:58,720 --> 00:22:01,719
Speaker 3: because like sometimes working from home is a little bit lonely,

472
00:22:01,920 --> 00:22:03,880
Speaker 3: So I'll be bopping away and Jess and I will

473
00:22:03,920 --> 00:22:06,520
Speaker 3: just be on Zoom while we're working on separate things.

474
00:22:06,160 --> 00:22:08,679
Speaker 3: It feels like we're in the office. It's really cute.

475
00:22:08,760 --> 00:22:11,399
Speaker 3: But she's just like at her dining table doing her

476
00:22:11,440 --> 00:22:14,840
Speaker 3: craft DIY things, feeling all of these ballbles full of

477
00:22:14,920 --> 00:22:17,000
Speaker 3: like that she's on the money colored paints, and I

478
00:22:17,040 --> 00:22:19,920
Speaker 3: was just like so envious. But I'm glad you don't

479
00:22:19,960 --> 00:22:22,000
Speaker 3: have me there because I would mess that up royally.

480
00:22:22,280 --> 00:22:26,040
Speaker 3: But again I digress. Let's get back into our DIY tips.

481
00:22:26,480 --> 00:22:28,440
Speaker 3: How cute are homemade gifts, George?

482
00:22:28,520 --> 00:22:30,840
Speaker 1: They can be cute, they can also be putrid, but

483
00:22:31,440 --> 00:22:32,760
Speaker 1: they can be cute.

484
00:22:32,520 --> 00:22:35,760
Speaker 3: And gee, we had this conversation before the show about

485
00:22:35,880 --> 00:22:37,239
Speaker 3: we did what are we going to talk about when

486
00:22:37,280 --> 00:22:40,560
Speaker 3: it comes to DIY. We've obviously got our list of ideas. However,

487
00:22:41,000 --> 00:22:45,040
Speaker 3: some diys can be more questionable than not, and sometimes

488
00:22:45,040 --> 00:22:48,000
Speaker 3: you just feel a little bit all it when it

489
00:22:48,080 --> 00:22:51,520
Speaker 3: comes to thinking about diying something, because you're like, are

490
00:22:51,520 --> 00:22:54,320
Speaker 3: people actually going to like that? I'm not very crafty,

491
00:22:54,600 --> 00:22:57,200
Speaker 3: So we've got a couple of hot tips that hopefully

492
00:22:57,240 --> 00:23:00,560
Speaker 3: aren't cringe worthy, because we know that a chriss times.

493
00:23:00,560 --> 00:23:04,600
Speaker 3: Sometimes you get DIY gifts thee like, oh, thanks, Like,

494
00:23:04,960 --> 00:23:07,240
Speaker 3: do you remember in pre school Georgia. I don't know

495
00:23:07,240 --> 00:23:09,399
Speaker 3: if you guys did this, but the paper plate the

496
00:23:09,440 --> 00:23:12,439
Speaker 3: toilet roll, cutting the paper plate in half and making

497
00:23:12,520 --> 00:23:13,720
Speaker 3: like an angel.

498
00:23:13,400 --> 00:23:15,520
Speaker 1: Out of it? Ah yeah, yeah yeah iconic.

499
00:23:15,560 --> 00:23:17,320
Speaker 3: Yeah, and you'd like paint it why and put some

500
00:23:17,359 --> 00:23:18,919
Speaker 3: glitter on it? And I would give that to my

501
00:23:19,040 --> 00:23:22,919
Speaker 3: parents and like that's very specific because my parents still

502
00:23:22,960 --> 00:23:25,399
Speaker 3: have that on their Christmas tree because I made it

503
00:23:25,400 --> 00:23:28,199
Speaker 3: for them when it was like five. Yes, that's not

504
00:23:28,280 --> 00:23:30,879
Speaker 3: the type of DIY were talking this Christmas.

505
00:23:30,560 --> 00:23:34,000
Speaker 1: Though, are we? George? Not quite? Not quite? My suggestion

506
00:23:34,760 --> 00:23:38,479
Speaker 1: was to go for printing out like a gorgeous photo

507
00:23:38,600 --> 00:23:42,640
Speaker 1: of the person that you're gifting this gift too, and yourself,

508
00:23:42,680 --> 00:23:44,000
Speaker 1: perhaps not their.

509
00:23:43,920 --> 00:23:47,239
Speaker 3: Instagram selfies, though that would be comminditive weird. I mean

510
00:23:47,280 --> 00:23:49,200
Speaker 3: you could do that if they're really into themselves.

511
00:23:49,240 --> 00:23:51,879
Speaker 1: Exactly for the narcissists, they'll love that. But you know,

512
00:23:52,000 --> 00:23:55,000
Speaker 1: duckdown to km up, grab yourself a cheap frame, print

513
00:23:55,000 --> 00:23:57,600
Speaker 1: out the photo to a high quality, pop the photo

514
00:23:57,640 --> 00:23:59,600
Speaker 1: in the frame, you're see where it's going, and you've

515
00:23:59,640 --> 00:24:03,719
Speaker 1: got a gorgeous friend photo. That story adds I love photos,

516
00:24:03,920 --> 00:24:05,080
Speaker 1: it does. It all adds up.

517
00:24:05,119 --> 00:24:07,320
Speaker 3: I love photos as well, And to be honest, I

518
00:24:07,359 --> 00:24:09,879
Speaker 3: think in this day and age, I know that sounds

519
00:24:09,880 --> 00:24:13,560
Speaker 3: so old, but we don't print that many photos of ourselves.

520
00:24:13,640 --> 00:24:16,720
Speaker 3: And I remember, definitely we don't print that many photos

521
00:24:16,720 --> 00:24:18,960
Speaker 3: to have around our home. So someone gave me a

522
00:24:19,000 --> 00:24:20,840
Speaker 3: really cute frame with a photo in it, I'd be like,

523
00:24:20,840 --> 00:24:23,159
Speaker 3: oh my gosh, cute like and pop that beside my

524
00:24:23,240 --> 00:24:25,960
Speaker 3: bed or on my mantle or wherever. So I think

525
00:24:26,040 --> 00:24:29,879
Speaker 3: I really like that. The idea I had was I

526
00:24:29,920 --> 00:24:31,520
Speaker 3: actually had two ideas.

527
00:24:31,600 --> 00:24:33,080
Speaker 1: The first one was around cooking.

528
00:24:33,280 --> 00:24:35,680
Speaker 3: If you can cook, so I think Jess and I

529
00:24:35,760 --> 00:24:38,280
Speaker 3: soon are going to do a live on Instagram when

530
00:24:38,320 --> 00:24:41,480
Speaker 3: we make Christmas Crack, which if you haven't heard of

531
00:24:41,480 --> 00:24:44,800
Speaker 3: that before, it's like a salty, sweet Christmas treat that

532
00:24:44,960 --> 00:24:49,639
Speaker 3: is so easy to make and impresses literally everybody. And

533
00:24:49,800 --> 00:24:51,800
Speaker 3: I love it because it can kind of be hacked

534
00:24:51,840 --> 00:24:54,679
Speaker 3: in a million different ways. So it's got gluten in it,

535
00:24:54,720 --> 00:24:56,560
Speaker 3: but if you want to have a gluten free treat,

536
00:24:56,600 --> 00:24:58,600
Speaker 3: you can swap it out for gluten free biscuits that

537
00:24:58,640 --> 00:24:59,080
Speaker 3: you use.

538
00:24:59,160 --> 00:25:02,120
Speaker 1: If you're vegan, you can use vegan chocolate.

539
00:25:01,960 --> 00:25:05,119
Speaker 3: So it's very easy to switch around and make suit you.

540
00:25:05,880 --> 00:25:09,800
Speaker 3: And every time I've gifted it, the reviews are raving,

541
00:25:10,000 --> 00:25:12,000
Speaker 3: like it's not the prettiest thing in the world, and

542
00:25:12,040 --> 00:25:13,359
Speaker 3: you can kind of laugh about it and be like,

543
00:25:13,359 --> 00:25:15,800
Speaker 3: oh my gosh, I made this for you. And you

544
00:25:15,800 --> 00:25:19,320
Speaker 3: can make little cute tags, and in fact, George I

545
00:25:19,440 --> 00:25:23,560
Speaker 3: convinced Jess to create little custom DIY tags that you

546
00:25:23,600 --> 00:25:26,240
Speaker 3: guys can print out and use for these, which I

547
00:25:26,240 --> 00:25:28,520
Speaker 3: think will be really fun with the recipe on the

548
00:25:28,560 --> 00:25:31,719
Speaker 3: back so they can make more because that's really cute.

549
00:25:32,080 --> 00:25:34,840
Speaker 3: So that is a good idea. Baking something is always

550
00:25:34,880 --> 00:25:37,520
Speaker 3: a good idea, George, you're really good at rumbles.

551
00:25:37,560 --> 00:25:40,440
Speaker 1: I have heard. Yeah, yeah, I'm not bad. They're pretty good.

552
00:25:40,480 --> 00:25:43,320
Speaker 3: We learn about them in grade six home economics, right,

553
00:25:44,240 --> 00:25:46,680
Speaker 3: I think they're really good. But then the other thing

554
00:25:47,000 --> 00:25:50,320
Speaker 3: was making a favorites hamper for somebody. So if you're

555
00:25:50,320 --> 00:25:52,920
Speaker 3: a little bit stratificash and don't want to do something

556
00:25:53,040 --> 00:25:56,280
Speaker 3: too homemade, but want to go purchase something, but you

557
00:25:56,320 --> 00:25:59,920
Speaker 3: can't think of anything in your budget, Camart have real

558
00:26:00,200 --> 00:26:04,160
Speaker 3: great range of like candles and face masks and chocolates,

559
00:26:04,359 --> 00:26:06,520
Speaker 3: and you could put together a little hamper that would

560
00:26:06,560 --> 00:26:09,040
Speaker 3: cost you no more than ten or fifteen dollars, depending

561
00:26:09,040 --> 00:26:10,720
Speaker 3: on what you decided to put in it, and you

562
00:26:10,720 --> 00:26:13,399
Speaker 3: could write a really beautiful card about them looking after

563
00:26:13,480 --> 00:26:16,640
Speaker 3: themselves and having a night in or something like that.

564
00:26:16,680 --> 00:26:18,600
Speaker 3: And you've put together a few things that you think

565
00:26:18,600 --> 00:26:20,720
Speaker 3: they would really enjoy, and oh my gosh, I would

566
00:26:20,760 --> 00:26:23,199
Speaker 3: think that that present was literally the best.

567
00:26:23,800 --> 00:26:26,359
Speaker 1: Love that suggestion from you VD. But there were also

568
00:26:26,400 --> 00:26:30,160
Speaker 1: some excellent suggestions in the Facebook group you go Fast

569
00:26:30,160 --> 00:26:30,840
Speaker 1: with your fabs.

570
00:26:30,880 --> 00:26:35,159
Speaker 3: So last week in our community, Ebany posted a really

571
00:26:35,480 --> 00:26:38,280
Speaker 3: great post. She said, Hey, friends, is it too early

572
00:26:38,359 --> 00:26:40,560
Speaker 3: to talk about Christmas, I want to start a thread

573
00:26:40,600 --> 00:26:44,360
Speaker 3: of thrifty slash money saving ideas for Christmas presents. Please

574
00:26:44,440 --> 00:26:48,320
Speaker 3: share your tips below. And completely unsurprising, the first person

575
00:26:48,359 --> 00:26:51,760
Speaker 3: to comment was our very own Jessica Ricki, who didn't

576
00:26:51,800 --> 00:26:54,520
Speaker 3: contribute anything, but I came here to say it's never

577
00:26:54,560 --> 00:26:55,720
Speaker 3: too early for Christmas.

578
00:26:55,800 --> 00:26:56,439
Speaker 1: Go figure.

579
00:26:56,760 --> 00:26:59,560
Speaker 3: But there are more than one hundred and fifty different

580
00:26:59,640 --> 00:27:01,960
Speaker 3: ideas is on this thread, so go have a look.

581
00:27:02,000 --> 00:27:03,679
Speaker 3: I'm not going to read them all out right now,

582
00:27:04,040 --> 00:27:05,959
Speaker 3: but there were a few hot ones that I am

583
00:27:06,000 --> 00:27:08,800
Speaker 3: going to call out now. The first one was from Emma.

584
00:27:09,080 --> 00:27:12,720
Speaker 3: Emma said possibly controversial, No, my friend did. Absolutely isn't

585
00:27:12,760 --> 00:27:15,359
Speaker 3: because I have one hundred percent agree with you, But

586
00:27:15,800 --> 00:27:18,520
Speaker 3: don't go broke this Christmas. Consider regifting.

587
00:27:18,880 --> 00:27:20,280
Speaker 1: I love that idea.

588
00:27:20,320 --> 00:27:22,520
Speaker 3: Like, if you've been gifted a gift that you know

589
00:27:22,640 --> 00:27:24,880
Speaker 3: you're not going to use, but you know somebody else

590
00:27:24,920 --> 00:27:28,040
Speaker 3: will love, there is absolutely no shame in gifting that

591
00:27:28,119 --> 00:27:28,840
Speaker 3: to somebody else.

592
00:27:28,840 --> 00:27:29,679
Speaker 1: Oh absolutely not.

593
00:27:29,720 --> 00:27:31,640
Speaker 3: Like if you've got a cute little hand cream set

594
00:27:31,640 --> 00:27:33,440
Speaker 3: that you're like, I'm just not going to use this.

595
00:27:33,680 --> 00:27:35,680
Speaker 3: What a great little gift to pop in the cupboard

596
00:27:35,680 --> 00:27:37,919
Speaker 3: and use for someone you know would love that.

597
00:27:38,280 --> 00:27:40,480
Speaker 1: Actually, one ve that I feel like a lot of

598
00:27:40,520 --> 00:27:43,160
Speaker 1: people listening could probably relate to is when you get

599
00:27:43,480 --> 00:27:47,040
Speaker 1: gifted like a Kolsmeya voucher for your birthday or for

600
00:27:47,119 --> 00:27:49,840
Speaker 1: Christmas from like your grandma, and then you just swap

601
00:27:49,920 --> 00:27:52,800
Speaker 1: it with your mum and she gives you cash and

602
00:27:52,840 --> 00:27:54,239
Speaker 1: then you run. Did you ever do that?

603
00:27:54,880 --> 00:27:55,000
Speaker 3: No?

604
00:27:55,080 --> 00:27:58,480
Speaker 1: I never did that. Okay, just me, just you, babe.

605
00:27:58,520 --> 00:28:01,000
Speaker 3: But like that sounds like a very george thing to

606
00:28:01,080 --> 00:28:03,520
Speaker 3: do to want to hold a cash, So that makes

607
00:28:03,560 --> 00:28:07,719
Speaker 3: a lot of sense. Rice has said, we do Secret Center.

608
00:28:07,840 --> 00:28:10,800
Speaker 3: Instead of buying many presents for people for twenty dollars each,

609
00:28:10,800 --> 00:28:13,520
Speaker 3: for example, we buy one present for eighty to one

610
00:28:13,640 --> 00:28:16,399
Speaker 3: hundred dollars for one person. They get a good present

611
00:28:16,440 --> 00:28:18,679
Speaker 3: they're actually going to use, and we don't have to

612
00:28:18,720 --> 00:28:21,040
Speaker 3: buy a million different presents. So I think that is

613
00:28:21,080 --> 00:28:25,119
Speaker 3: absolutely genius. Someone else said, make use of sales like

614
00:28:25,160 --> 00:28:28,200
Speaker 3: the Black Friday sales to make sure that you're organized

615
00:28:28,240 --> 00:28:30,160
Speaker 3: and get the best deals on the presence and you're

616
00:28:30,160 --> 00:28:34,679
Speaker 3: already planning to buy. Sunshine has said op shops have

617
00:28:34,800 --> 00:28:38,920
Speaker 3: a look regifting as suggested above, but especially for those

618
00:28:38,960 --> 00:28:42,720
Speaker 3: secret Santa gifts or teacher type gifts. There are always

619
00:28:42,800 --> 00:28:45,840
Speaker 3: really cute pots that you can pop a plant in

620
00:28:46,080 --> 00:28:47,840
Speaker 3: and give as a gift, which I think is a

621
00:28:47,880 --> 00:28:52,960
Speaker 3: genius idea. Emma commented and said that she draws digital portraits,

622
00:28:53,000 --> 00:28:56,440
Speaker 3: which are pretty inexpensive and probably a genius idea that

623
00:28:56,560 --> 00:29:00,440
Speaker 3: can be mashed together with your idea, Georgia, have a

624
00:29:00,480 --> 00:29:03,320
Speaker 3: digital print made and pop it in a cute frame.

625
00:29:03,520 --> 00:29:05,880
Speaker 3: I would love that as a present, and it comes

626
00:29:05,880 --> 00:29:08,200
Speaker 3: across as really thoughtful because like, can you imagine the

627
00:29:08,240 --> 00:29:11,240
Speaker 3: thought process behind having to organize that and then pop

628
00:29:11,240 --> 00:29:13,520
Speaker 3: it in frame? I think that's just really really beautiful.

629
00:29:13,560 --> 00:29:15,840
Speaker 3: And I know obviously Emma's is in that thread, so

630
00:29:15,920 --> 00:29:18,840
Speaker 3: go check her out, but there are so many people

631
00:29:18,840 --> 00:29:21,360
Speaker 3: who do that on like Etsy, so you can find

632
00:29:21,400 --> 00:29:24,680
Speaker 3: someone who actually suits your budget and the style that

633
00:29:24,720 --> 00:29:27,280
Speaker 3: you're looking for. What a genius idea from Emma. I

634
00:29:27,360 --> 00:29:30,000
Speaker 3: love that genius. And the last one I'm going to

635
00:29:30,000 --> 00:29:33,120
Speaker 3: share with you, George, is from our friend Jordan. She said,

636
00:29:33,440 --> 00:29:35,400
Speaker 3: this year, I set out to do Christmas as cheap

637
00:29:35,440 --> 00:29:38,320
Speaker 3: as possible. Although really sorry, it's not going to help

638
00:29:38,360 --> 00:29:40,120
Speaker 3: you this year, but it'll help you next year.

639
00:29:40,360 --> 00:29:41,880
Speaker 1: So these tips are for next year.

640
00:29:41,960 --> 00:29:45,800
Speaker 3: Guys, Firstly, set up your Bullworth Everyday rewards to keep

641
00:29:45,840 --> 00:29:48,280
Speaker 3: for Christmas. That way you can spend it at big

642
00:29:48,440 --> 00:29:52,760
Speaker 3: w Bullies bws at Christmas time. Genius Flybys points are

643
00:29:52,760 --> 00:29:54,960
Speaker 3: a really great way to do that. Obviously, we're not

644
00:29:55,040 --> 00:29:57,880
Speaker 3: about tracking points and stuff that She's on the money,

645
00:29:58,240 --> 00:30:01,480
Speaker 3: but if you're going to be doing gross shopping, tapping

646
00:30:01,640 --> 00:30:04,120
Speaker 3: at the same time on things you were going to

647
00:30:04,200 --> 00:30:07,600
Speaker 3: already buy is really smart. So she said that she

648
00:30:07,680 --> 00:30:10,440
Speaker 3: now has about two hundred and sixty bucks to spend

649
00:30:10,520 --> 00:30:15,200
Speaker 3: come Christmas time. That's all her food and alcohol paid. Genius.

650
00:30:15,240 --> 00:30:18,560
Speaker 3: She said, Next, you shop back when shopping online and

651
00:30:18,640 --> 00:30:21,840
Speaker 3: refer friends to it as well. I have about six

652
00:30:21,960 --> 00:30:24,600
Speaker 3: hundred dollars sitting in there waiting for me to withdraw,

653
00:30:24,760 --> 00:30:27,400
Speaker 3: she said. I also have a referral code, so if

654
00:30:27,440 --> 00:30:30,480
Speaker 3: I send that to someone, we both get twenty bucks each.

655
00:30:30,680 --> 00:30:31,440
Speaker 1: How good is that?

656
00:30:31,600 --> 00:30:34,600
Speaker 3: Like, arguably that's better than using the She's on the

657
00:30:34,640 --> 00:30:38,280
Speaker 3: money discount code. Like I shouldn't be saying that, but like,

658
00:30:38,320 --> 00:30:40,640
Speaker 3: if you've got a mate that you know users shop back,

659
00:30:40,760 --> 00:30:43,440
Speaker 3: like why not ask them for that and start sharing

660
00:30:43,440 --> 00:30:44,200
Speaker 3: it with each other?

661
00:30:44,440 --> 00:30:45,000
Speaker 1: Genius?

662
00:30:45,040 --> 00:30:47,680
Speaker 3: She said, it's also great for keeping track of prices.

663
00:30:47,720 --> 00:30:50,280
Speaker 3: For example, if I wanted an iPhone twelve, I can

664
00:30:50,320 --> 00:30:53,360
Speaker 3: click on track price and get a notification if the

665
00:30:53,440 --> 00:30:54,680
Speaker 3: price has been lowered.

666
00:30:54,880 --> 00:30:58,160
Speaker 1: That's I didn't even know that was an option. Genius either,

667
00:30:58,560 --> 00:30:59,320
Speaker 1: That's brilliant.

668
00:30:59,360 --> 00:31:01,560
Speaker 3: And then she said, my last tip is to save

669
00:31:01,600 --> 00:31:04,120
Speaker 3: your cans and bottles and trade them in for cash

670
00:31:04,200 --> 00:31:07,240
Speaker 3: and keep it in a Christmas account. She said, now

671
00:31:07,320 --> 00:31:10,880
Speaker 3: I have around one thousand dollars spare for Christmas that

672
00:31:10,960 --> 00:31:12,680
Speaker 3: I wouldn't have had otherwise.

673
00:31:13,040 --> 00:31:16,120
Speaker 1: How genius is that? That is incredible. They only do

674
00:31:16,160 --> 00:31:17,720
Speaker 1: that in South Australia, though, don't they.

675
00:31:17,800 --> 00:31:19,960
Speaker 3: I know, I really wish we could do the cans

676
00:31:19,960 --> 00:31:21,560
Speaker 3: and bottles. But if you live in a state that

677
00:31:21,680 --> 00:31:24,240
Speaker 3: does it and you're not doing it already, please friends,

678
00:31:24,320 --> 00:31:25,000
Speaker 3: get on it.

679
00:31:25,120 --> 00:31:27,040
Speaker 1: I want to hear all about it. Well, it doesn't

680
00:31:27,080 --> 00:31:29,800
Speaker 1: sound like much, but then it adds up. It absolutely

681
00:31:29,880 --> 00:31:30,400
Speaker 1: adds up.

682
00:31:30,480 --> 00:31:33,240
Speaker 3: And I mean things like Flybys that you're going to

683
00:31:33,400 --> 00:31:35,680
Speaker 3: tap when you're going to the supermarket.

684
00:31:35,720 --> 00:31:37,320
Speaker 1: So Flybys is it Cole's and.

685
00:31:37,280 --> 00:31:40,160
Speaker 3: Then you've got the rewards points over at Woolworth's, Like

686
00:31:40,480 --> 00:31:43,640
Speaker 3: it just makes sense to tap these things. Because George

687
00:31:43,680 --> 00:31:46,280
Speaker 3: as you, and I know our friend Jessica Ricky, who

688
00:31:46,400 --> 00:31:49,920
Speaker 3: apparently this entire episode is about she should have been.

689
00:31:49,800 --> 00:31:50,640
Speaker 1: On the has been.

690
00:31:50,920 --> 00:31:53,240
Speaker 3: I know, like honestly, we'll see her on Friday, though.

691
00:31:53,240 --> 00:31:53,840
Speaker 1: It's all good.

692
00:31:54,240 --> 00:31:57,600
Speaker 3: She has been saving her Flybys points for ages and

693
00:31:57,640 --> 00:32:00,959
Speaker 3: she almost has enough in her little flybyst to swap

694
00:32:00,960 --> 00:32:04,080
Speaker 3: her points for KitchenAid stand mix up, which are usually

695
00:32:04,120 --> 00:32:06,200
Speaker 3: so expensive, and I know she can't wait for that,

696
00:32:06,400 --> 00:32:07,800
Speaker 3: so that's really exciting.

697
00:32:07,840 --> 00:32:10,160
Speaker 1: But it obviously does add up. So it does.

698
00:32:09,960 --> 00:32:12,680
Speaker 3: Benefit us to be always tapping and making sure that

699
00:32:12,720 --> 00:32:14,920
Speaker 3: we are making the most of every dollar we spend.

700
00:32:15,160 --> 00:32:18,480
Speaker 1: Yeah, amazing. Should we move back on to our last

701
00:32:18,520 --> 00:32:19,920
Speaker 1: four tips for the day VD.

702
00:32:19,960 --> 00:32:22,200
Speaker 3: I believe so, But I'm hoping that none of our

703
00:32:22,240 --> 00:32:25,080
Speaker 3: she's on the money friends had spoiled our last tips

704
00:32:25,160 --> 00:32:28,400
Speaker 3: cheeking because we thought long and hard about pulling those together.

705
00:32:28,160 --> 00:32:31,240
Speaker 1: All right, I'm not going to lie. V One of

706
00:32:31,280 --> 00:32:34,000
Speaker 1: them was a little bit spoiled, and that was to

707
00:32:34,240 --> 00:32:38,040
Speaker 1: implement Chris Kringles or secret Santas into your families and

708
00:32:38,040 --> 00:32:40,480
Speaker 1: friendship groups. It's a good tip. It's a good tip.

709
00:32:40,520 --> 00:32:43,520
Speaker 3: It's a great tip. It's classic tip. This one's existed

710
00:32:43,600 --> 00:32:45,280
Speaker 3: for a very long time, and I feel like not

711
00:32:45,360 --> 00:32:48,000
Speaker 3: in our family to do it, so gee, we do

712
00:32:48,120 --> 00:32:50,920
Speaker 3: Chris Kringle in our family and it has worked for

713
00:32:50,960 --> 00:32:53,160
Speaker 3: a number of years. I really like it. It takes

714
00:32:53,200 --> 00:32:56,400
Speaker 3: a lot of stress off. But on Steve's side of

715
00:32:56,440 --> 00:33:00,400
Speaker 3: the family, which I adore, we've overlaid rules on top

716
00:33:00,480 --> 00:33:02,880
Speaker 3: of that. G so the present has to be handmade,

717
00:33:02,880 --> 00:33:05,920
Speaker 3: homemade or second hand, and I think that that has

718
00:33:06,000 --> 00:33:09,320
Speaker 3: meant one it's a little bit harder to organize Christmas,

719
00:33:09,520 --> 00:33:12,840
Speaker 3: but two, it's just so economical. It's good for the environment,

720
00:33:12,880 --> 00:33:14,960
Speaker 3: it's good for our wallets. A couple of years ago,

721
00:33:15,000 --> 00:33:17,680
Speaker 3: we bought our niece and nephew a little kitchen off

722
00:33:17,680 --> 00:33:20,600
Speaker 3: of gum Tree, and it was like forty dollars and

723
00:33:20,640 --> 00:33:22,960
Speaker 3: it included all of the bells and whistles, like you know,

724
00:33:23,000 --> 00:33:25,280
Speaker 3: all those like tiny little pots and pans and plates

725
00:33:25,320 --> 00:33:27,480
Speaker 3: and like little fake fruits and stuff that they could

726
00:33:27,600 --> 00:33:30,640
Speaker 3: chop because they like velcrode together. It was so cool

727
00:33:30,720 --> 00:33:34,280
Speaker 3: and so cheap. But the kids have got literally so

728
00:33:34,480 --> 00:33:36,800
Speaker 3: much joy out of that present, and it cost us

729
00:33:36,800 --> 00:33:38,920
Speaker 3: forty bucks and they still use it to this day.

730
00:33:39,280 --> 00:33:42,960
Speaker 3: So I feel like a homemade handmaid or second hand

731
00:33:43,040 --> 00:33:46,000
Speaker 3: present is a really fun thing to do and perhaps

732
00:33:46,000 --> 00:33:48,720
Speaker 3: you guys could implement that in your families as well,

733
00:33:49,040 --> 00:33:51,960
Speaker 3: because everyone had a lot of fun working it out.

734
00:33:52,080 --> 00:33:55,440
Speaker 3: And I mean, obviously with the handmade element of that,

735
00:33:55,720 --> 00:33:58,200
Speaker 3: if you still want to buy a present, you can,

736
00:33:58,560 --> 00:34:00,920
Speaker 3: it just has to be a little bit more thoughtful,

737
00:34:01,120 --> 00:34:03,400
Speaker 3: which I really liked. And obviously there's a lot of

738
00:34:03,400 --> 00:34:06,360
Speaker 3: beautiful handmade candles and soaps and like I got a

739
00:34:06,360 --> 00:34:10,000
Speaker 3: little handmade like coin purse out of seagrass and it's

740
00:34:10,040 --> 00:34:11,000
Speaker 3: still in my handbag.

741
00:34:11,040 --> 00:34:11,520
Speaker 1: I love it.

742
00:34:11,600 --> 00:34:14,120
Speaker 3: So I feel like it's a really fun thing to

743
00:34:14,200 --> 00:34:16,600
Speaker 3: do at Christmas time and it makes it a little

744
00:34:16,600 --> 00:34:20,080
Speaker 3: bit more fun as well because we are so competitive

745
00:34:20,160 --> 00:34:22,400
Speaker 3: and we were just so excited to like find the

746
00:34:22,440 --> 00:34:25,800
Speaker 3: best secondhand thing, so it worked for us really well.

747
00:34:26,040 --> 00:34:29,560
Speaker 1: Love it. Okay, the next to PV is to choose

748
00:34:29,760 --> 00:34:34,520
Speaker 1: free Christmasy events instead of pricey dinners for your inevitable

749
00:34:34,560 --> 00:34:36,040
Speaker 1: pre Christmas catchups.

750
00:34:36,160 --> 00:34:40,200
Speaker 3: Genius. There's so much going on in the city of Melbourne,

751
00:34:40,239 --> 00:34:43,839
Speaker 3: whether it is lights or Christmas carols, like get to it.

752
00:34:43,960 --> 00:34:46,040
Speaker 3: Maybe you want to go for a walk with a friend,

753
00:34:46,440 --> 00:34:48,279
Speaker 3: grab a drink or have a little bit of a

754
00:34:48,320 --> 00:34:51,239
Speaker 3: picnic and then go past the famous Maya windows, or

755
00:34:51,280 --> 00:34:53,680
Speaker 3: what about going to the Christmas markets? Like I feel

756
00:34:53,680 --> 00:34:56,319
Speaker 3: like all of that is just so much fun. It

757
00:34:56,400 --> 00:34:58,920
Speaker 3: is so festive as well, instead of just like heading

758
00:34:58,960 --> 00:35:01,680
Speaker 3: out for dinner, which would be a normal dinner, but like,

759
00:35:01,920 --> 00:35:03,799
Speaker 3: why not grab a picnic rug and go to the

760
00:35:03,840 --> 00:35:04,600
Speaker 3: Carrols together?

761
00:35:04,719 --> 00:35:08,319
Speaker 1: Like is that not cute? I would think that's cute? Yeah, gorgeous.

762
00:35:08,440 --> 00:35:10,239
Speaker 1: I've always wanted to go to the Carrols. Maybe this

763
00:35:10,280 --> 00:35:10,839
Speaker 1: could be the year.

764
00:35:10,920 --> 00:35:12,680
Speaker 3: Oh my gosh, let's go to the Carrols.

765
00:35:12,800 --> 00:35:16,239
Speaker 1: Gee wholesome socialis Carrol.

766
00:35:15,960 --> 00:35:18,280
Speaker 3: I was gonna say they also do the day before

767
00:35:18,440 --> 00:35:20,040
Speaker 3: rehearsal that you can go to.

768
00:35:20,400 --> 00:35:23,120
Speaker 1: We could go, Genie, you're most famous enough v to

769
00:35:23,160 --> 00:35:25,680
Speaker 1: be invited up there on the stage with a little mic,

770
00:35:25,960 --> 00:35:29,400
Speaker 1: do some singing. Not a chance. Oh wear the dresses,

771
00:35:29,440 --> 00:35:31,160
Speaker 1: but I am not singing a little Donkey. I can

772
00:35:31,200 --> 00:35:33,880
Speaker 1: see you up there singing Little Donkey. Yeah, that's my favorite.

773
00:35:33,880 --> 00:35:36,960
Speaker 1: I like Carol. Do you know Little Donkey? Anyways? At night?

774
00:35:37,719 --> 00:35:43,520
Speaker 1: A classic classic choice ranger? Yeah, a banger? Oh well

775
00:35:43,719 --> 00:35:47,080
Speaker 1: for Christmas now that is the ultimate. Obviously a banger

776
00:35:47,280 --> 00:35:50,359
Speaker 1: that would be we'll chat more about that later. Our

777
00:35:50,440 --> 00:35:53,480
Speaker 1: second last tip for today is to rain in our

778
00:35:53,560 --> 00:35:56,080
Speaker 1: non essential spending during this time so that we can

779
00:35:56,120 --> 00:36:00,160
Speaker 1: funnel that extra cash towards Christmas. Obviously, this is a

780
00:36:00,160 --> 00:36:02,560
Speaker 1: smart idea. Talk us through it. It's a genius idea. I'm

781
00:36:02,560 --> 00:36:04,520
Speaker 1: glad you came up with us, Thanks so much. But

782
00:36:04,840 --> 00:36:06,120
Speaker 1: if you're too busy to go to.

783
00:36:06,120 --> 00:36:07,960
Speaker 3: The gym, why don't you freeze your membership over the

784
00:36:08,000 --> 00:36:11,000
Speaker 3: Christmas period and stash that cash away. It just feels

785
00:36:11,000 --> 00:36:14,040
Speaker 3: like a no brainer that I hadn't thought of. Also,

786
00:36:14,360 --> 00:36:16,520
Speaker 3: making sure that you're shopping at places like Audi or

787
00:36:16,520 --> 00:36:19,279
Speaker 3: the markets instead of supermarkets to make sure that you're

788
00:36:19,320 --> 00:36:22,480
Speaker 3: getting the best possible deal. I'm not going to suggest this,

789
00:36:22,600 --> 00:36:25,440
Speaker 3: but Georgia King has written down that you should consider

790
00:36:25,600 --> 00:36:29,640
Speaker 3: ditching your daily latte if that's in line with your values.

791
00:36:29,680 --> 00:36:31,879
Speaker 3: Do that. It is absolutely not in line with mine,

792
00:36:31,920 --> 00:36:34,440
Speaker 3: So Georgia, I will not be ditching my oat latte

793
00:36:34,560 --> 00:36:35,360
Speaker 3: for anything.

794
00:36:35,840 --> 00:36:37,959
Speaker 1: And then any non essential.

795
00:36:37,640 --> 00:36:40,239
Speaker 3: Spending you can cut out during this time. I think

796
00:36:40,280 --> 00:36:42,719
Speaker 3: it's also a really good time to have a little

797
00:36:42,719 --> 00:36:45,320
Speaker 3: bit of a think about what you are and aren't

798
00:36:45,360 --> 00:36:47,680
Speaker 3: spending on. So if budget is something you want to

799
00:36:47,680 --> 00:36:50,120
Speaker 3: get on top of actually sitting down and being like, well,

800
00:36:50,120 --> 00:36:51,359
Speaker 3: where is my money going?

801
00:36:51,440 --> 00:36:52,680
Speaker 1: What does that look like?

802
00:36:52,880 --> 00:36:54,440
Speaker 3: Because you can do a little bit of an audit,

803
00:36:54,480 --> 00:36:56,560
Speaker 3: and I bet you'll find some things that you're spending

804
00:36:56,560 --> 00:36:58,239
Speaker 3: money on that you're like, I don't need to do that.

805
00:36:58,560 --> 00:37:01,719
Speaker 3: Cut that out, and you a little bit more comfortable

806
00:37:01,840 --> 00:37:04,160
Speaker 3: with the way your money is blowing, especially during the

807
00:37:04,160 --> 00:37:04,960
Speaker 3: festive season.

808
00:37:05,120 --> 00:37:08,440
Speaker 1: Brilliant. Okay, let's move on to our twelfth and final

809
00:37:08,520 --> 00:37:11,880
Speaker 1: tip for today. Just before we get there, though, is

810
00:37:11,880 --> 00:37:15,719
Speaker 1: it twelve because like the twelve days of days of Christmas? Okay,

811
00:37:15,760 --> 00:37:17,920
Speaker 1: so that was the logic. Yeah, I did think twelve

812
00:37:17,960 --> 00:37:20,320
Speaker 1: was an obscure number when that was suggested.

813
00:37:20,400 --> 00:37:22,000
Speaker 3: Yeah, and that's why I came up with it. I

814
00:37:22,040 --> 00:37:24,160
Speaker 3: was like, the twelve days of Christmas, how about we

815
00:37:24,200 --> 00:37:26,479
Speaker 3: do twelve hacks or ideas to save you some cash?

816
00:37:26,520 --> 00:37:29,239
Speaker 1: Holder, Like, it just made sense. It makes sense. I'm glad.

817
00:37:29,280 --> 00:37:35,040
Speaker 1: I Finally, our twelfth tip B is to say no

818
00:37:35,840 --> 00:37:39,160
Speaker 1: full stop. I love this. Just say no. Just say

819
00:37:39,239 --> 00:37:42,080
Speaker 1: no to everything canceled, Chris. We're saying no to g

820
00:37:42,480 --> 00:37:48,000
Speaker 1: We're saying no to not every social event that's coming

821
00:37:48,040 --> 00:37:50,160
Speaker 1: your way. Over the next few weeks. But as we

822
00:37:50,280 --> 00:37:55,200
Speaker 1: all know, December and January as well, they are manic times.

823
00:37:55,320 --> 00:38:00,680
Speaker 1: Everyone always wants to catch up before christmast know why.

824
00:38:01,120 --> 00:38:04,120
Speaker 1: It's silly to me, but I feel like just saying

825
00:38:04,120 --> 00:38:05,719
Speaker 1: no to the events that you don't want to go

826
00:38:05,800 --> 00:38:08,279
Speaker 1: to is completely fine and it's going to save you

827
00:38:08,360 --> 00:38:11,239
Speaker 1: money and I'm on board for it, so just don't

828
00:38:11,239 --> 00:38:12,000
Speaker 1: feel obliged.

829
00:38:12,120 --> 00:38:14,200
Speaker 3: I feel like it's smart as well. I feel like,

830
00:38:14,280 --> 00:38:17,360
Speaker 3: given we, especially here in Victoria, have been in lockdown

831
00:38:17,400 --> 00:38:21,200
Speaker 3: for so long, it's going to be really socially exhausting

832
00:38:21,280 --> 00:38:24,160
Speaker 3: for us as well. Like I'm not used to socializing

833
00:38:24,200 --> 00:38:26,840
Speaker 3: as much as I used to, and that is very valid.

834
00:38:26,920 --> 00:38:29,799
Speaker 3: The amount of exhaustion I would experience going out for

835
00:38:29,920 --> 00:38:32,000
Speaker 3: a lot of Christmas drinks, I feel like it's going

836
00:38:32,040 --> 00:38:33,399
Speaker 3: to really take it out of me. So I think

837
00:38:33,440 --> 00:38:36,160
Speaker 3: we need to remember to put ourselves first. But it's

838
00:38:36,200 --> 00:38:39,200
Speaker 3: a really nice thing to say, thank you so much,

839
00:38:39,280 --> 00:38:41,759
Speaker 3: but no, thank you, well, thank you so much, but

840
00:38:41,800 --> 00:38:44,240
Speaker 3: can we do this after. I feel like during Christmas,

841
00:38:44,320 --> 00:38:46,480
Speaker 3: a very good get out of jail free card is like,

842
00:38:46,520 --> 00:38:49,000
Speaker 3: oh my gosh, I'm so busy. I'd love to catch

843
00:38:49,080 --> 00:38:50,839
Speaker 3: up with you when I have more time to just

844
00:38:51,200 --> 00:38:53,800
Speaker 3: enjoy hanging out with you, and people go, oh my gosh,

845
00:38:54,200 --> 00:38:56,799
Speaker 3: so nice of you to think that way, and you've

846
00:38:56,840 --> 00:38:58,960
Speaker 3: gotten out of that situation of having to go out

847
00:38:58,960 --> 00:39:01,400
Speaker 3: and having to spend that much without even having to

848
00:39:01,440 --> 00:39:03,359
Speaker 3: have the conversation. You're just like, oh my gosh, gee,

849
00:39:03,400 --> 00:39:05,440
Speaker 3: I'm just so busy during December. Do you think we

850
00:39:05,440 --> 00:39:07,279
Speaker 3: could push that to next year so that we can

851
00:39:07,400 --> 00:39:09,600
Speaker 3: actually have a really nice time out and not feel

852
00:39:09,600 --> 00:39:12,759
Speaker 3: like we're overwhelmed. Like if any friend said that to me,

853
00:39:12,800 --> 00:39:14,880
Speaker 3: I'd be like, oh yeah, girl, Like, let's do it.

854
00:39:14,760 --> 00:39:17,680
Speaker 1: For sure, for sure. Yeah, So just don't feel that pressure.

855
00:39:17,719 --> 00:39:20,439
Speaker 3: So with that, g I feel like we're done here.

856
00:39:20,600 --> 00:39:22,719
Speaker 3: Those were the twelve ideas and hacks that we have

857
00:39:22,840 --> 00:39:24,880
Speaker 3: to save you money this festive season.

858
00:39:25,239 --> 00:39:26,280
Speaker 1: If you have any more.

859
00:39:26,160 --> 00:39:29,879
Speaker 3: That you think we absolutely need to hear, please pop

860
00:39:29,920 --> 00:39:31,600
Speaker 3: them in the thread that we are going to have

861
00:39:31,719 --> 00:39:34,719
Speaker 3: today in the Facebook group. There's obviously already been one

862
00:39:34,760 --> 00:39:36,279
Speaker 3: we just discussed it, but we're going to have a

863
00:39:36,320 --> 00:39:39,800
Speaker 3: new one because I adore talking about Christmas, Jess is

864
00:39:39,840 --> 00:39:42,600
Speaker 3: obsessed with Christmas, and George is pretty okay like a

865
00:39:42,880 --> 00:39:43,600
Speaker 3: topic as well.

866
00:39:43,760 --> 00:39:46,360
Speaker 1: Yeah, yeah, you're like, it's what. It sounds like, a

867
00:39:46,400 --> 00:39:49,680
Speaker 1: good idea. Get to have a drink. You like the snacks.

868
00:39:49,760 --> 00:39:52,560
Speaker 1: I love the snacks. I'm excited to try this Christmas

869
00:39:52,640 --> 00:39:53,640
Speaker 1: crack you speak of.

870
00:39:53,800 --> 00:39:57,000
Speaker 3: Oh my gosh, I promise this time I will not

871
00:39:57,200 --> 00:39:59,760
Speaker 3: set my kitchen on fire like I did the time

872
00:40:00,120 --> 00:40:01,200
Speaker 3: we made vodka pasta.

873
00:40:01,320 --> 00:40:04,440
Speaker 1: Oh I missed that, but I'll have search that up.

874
00:40:04,640 --> 00:40:06,839
Speaker 1: You know what, the I'll send you the pictures. Life

875
00:40:06,880 --> 00:40:08,960
Speaker 1: sounds good, sounds good. All right, that's all we have

876
00:40:09,040 --> 00:40:10,280
Speaker 1: time for today, guys.

877
00:40:10,320 --> 00:40:12,360
Speaker 3: But just before we head off, we'd like to acknowledge

878
00:40:12,360 --> 00:40:16,400
Speaker 3: and pay respect to Australia's Aboriginal and Torris Straight islander peoples,

879
00:40:16,480 --> 00:40:19,799
Speaker 3: the traditional custodians of the lands, the waterways and the

880
00:40:19,800 --> 00:40:23,239
Speaker 3: skies all across Australia. We thank you for sharing and

881
00:40:23,360 --> 00:40:24,640
Speaker 3: the caring for the land on.

882
00:40:24,640 --> 00:40:26,040
Speaker 1: Which we are able to learn.

883
00:40:26,360 --> 00:40:29,040
Speaker 3: We pay respects to elders past and present, and we

884
00:40:29,120 --> 00:40:31,160
Speaker 3: share our friendship and our kindness.

885
00:40:31,520 --> 00:40:34,000
Speaker 1: And remember, guys, that the advice shared on She's on

886
00:40:34,040 --> 00:40:36,640
Speaker 1: the Money is general in nature and does not consider

887
00:40:36,760 --> 00:40:40,560
Speaker 1: your individual circumstances. She's on the Money exists purely for

888
00:40:40,719 --> 00:40:43,600
Speaker 1: educational purposes and should not be relied upon to make

889
00:40:43,640 --> 00:40:47,719
Speaker 1: an investment or a financial decision, and we promise. Victoria

890
00:40:47,760 --> 00:40:51,920
Speaker 1: Divine is an authorized representative of Australia Pacific Funds Management

891
00:40:52,160 --> 00:40:55,560
Speaker 1: Proprietary Limited ABYN three four one three two four six

892
00:40:55,680 --> 00:40:58,319
Speaker 1: three two five seven AFSL three three nine one five

893
00:40:58,440 --> 00:41:01,080
Speaker 1: one See you next week. Ye bye, guys,