1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,759 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:37,120 Speaker 2: Let's get into it. She's on the Money. She's on 11 00:00:37,200 --> 00:00:55,120 Speaker 2: the Money. Hello, and welcome to She's on the Money, 12 00:00:55,160 --> 00:00:57,440 Speaker 2: the podcast for people who don't want to go broke 13 00:00:57,560 --> 00:01:02,080 Speaker 2: over the Christmas period. Ye and as always I'm joined 14 00:01:02,120 --> 00:01:03,880 Speaker 2: by Victoria Divine hi Ve. 15 00:01:04,160 --> 00:01:07,440 Speaker 3: Hello, we get to talk about Christmas. I love Christmas. 16 00:01:07,600 --> 00:01:09,520 Speaker 3: I'm so excited about this episode. 17 00:01:09,760 --> 00:01:10,160 Speaker 1: Me too. 18 00:01:10,480 --> 00:01:13,400 Speaker 2: Favorite thing about Christmas. I think it's just like the vibe, 19 00:01:13,400 --> 00:01:19,240 Speaker 2: like the atmosphere, the lights, the carols, the smells of spices, 20 00:01:20,200 --> 00:01:20,800 Speaker 2: that kind of thing. 21 00:01:20,880 --> 00:01:24,920 Speaker 3: I am obsessed with Christmas, not as much as miss Jessicci. 22 00:01:25,040 --> 00:01:28,759 Speaker 3: If you guys are following her on Instagram. You know, 23 00:01:28,920 --> 00:01:36,440 Speaker 3: she's borderline psychotic on Christmas. Like we're talking start of 24 00:01:36,440 --> 00:01:38,360 Speaker 3: November and she's like, well, that's when the Christmas tree 25 00:01:38,360 --> 00:01:38,680 Speaker 3: comes out. 26 00:01:38,760 --> 00:01:40,480 Speaker 2: Yeah, I think that's okay. 27 00:01:40,640 --> 00:01:40,800 Speaker 1: Well. 28 00:01:40,840 --> 00:01:43,520 Speaker 3: I did have a let's call it a heated argument 29 00:01:43,560 --> 00:01:46,479 Speaker 3: with my husband the other day because I saw Jess 30 00:01:46,480 --> 00:01:48,280 Speaker 3: putting up her tree and I was like, that looks 31 00:01:48,320 --> 00:01:51,000 Speaker 3: like fun. And all of my social media content has 32 00:01:51,000 --> 00:01:53,920 Speaker 3: now started to become very christmasy because Halloween's over, right, 33 00:01:54,000 --> 00:01:54,400 Speaker 3: of course. 34 00:01:54,440 --> 00:01:55,600 Speaker 2: And I said to my husband, we. 35 00:01:55,560 --> 00:01:57,400 Speaker 3: Should put our tree up because we've got a new 36 00:01:57,400 --> 00:01:59,680 Speaker 3: one that we got last year that we couldn't put up, 37 00:01:59,680 --> 00:02:01,880 Speaker 3: so it's sat in the box for like more than 38 00:02:01,920 --> 00:02:02,720 Speaker 3: twelve months. 39 00:02:02,920 --> 00:02:04,960 Speaker 2: I said, we can put it up, and he's like, no, absolutely, 40 00:02:04,960 --> 00:02:08,800 Speaker 2: we can't. I was like, excuse me, are you the Grinch? 41 00:02:09,360 --> 00:02:11,160 Speaker 2: Ye ruined Christmas? 42 00:02:11,200 --> 00:02:13,600 Speaker 3: And it's not even December, and he's like, that's the point, 43 00:02:13,760 --> 00:02:15,120 Speaker 3: it's not even December. 44 00:02:15,639 --> 00:02:16,960 Speaker 2: It's like, I will help you. 45 00:02:17,040 --> 00:02:20,239 Speaker 3: I will decorate the whole house on the first of December. 46 00:02:20,280 --> 00:02:23,040 Speaker 3: And I was like, but honey, it's the first of November, 47 00:02:23,120 --> 00:02:24,079 Speaker 3: Like we could just do it now. 48 00:02:24,200 --> 00:02:25,800 Speaker 2: Yeah, And it doesn't give you much time to have 49 00:02:25,840 --> 00:02:29,440 Speaker 2: any Christmas joy. Twenty five days and it's sober exactly, 50 00:02:29,720 --> 00:02:32,040 Speaker 2: I need two months of joy. I don't like it. 51 00:02:32,160 --> 00:02:34,720 Speaker 2: I don't like stend that joy. You really can flag. 52 00:02:34,880 --> 00:02:38,120 Speaker 3: Anyway, let's get into the episode. Not a counseling session 53 00:02:38,160 --> 00:02:41,119 Speaker 3: on my marriage. I want to talk about Christmas, but 54 00:02:41,200 --> 00:02:43,560 Speaker 3: also I want to talk about the concept of not 55 00:02:43,680 --> 00:02:47,040 Speaker 3: going into debt around Christmas, because as much as we 56 00:02:47,080 --> 00:02:50,040 Speaker 3: are full of festive cheer, I think that it can 57 00:02:50,080 --> 00:02:52,320 Speaker 3: also ring a lot of bells in a lot of 58 00:02:52,320 --> 00:02:55,840 Speaker 3: people's heads of going Ah, that sounds stressful, that sounds expensive, 59 00:02:55,880 --> 00:02:57,760 Speaker 3: That does not sound like anything I want to do. 60 00:02:58,280 --> 00:03:01,000 Speaker 2: How did it come up so quickly again in this year? Yes, 61 00:03:01,120 --> 00:03:03,320 Speaker 2: it can be very anxiety inducing one it's just meant 62 00:03:03,320 --> 00:03:05,360 Speaker 2: to be joyful. But later on in the show, we 63 00:03:05,400 --> 00:03:07,800 Speaker 2: are going to talk about some cheap, inexpensive, and sometimes 64 00:03:07,880 --> 00:03:10,959 Speaker 2: free gift ideas that I'm the gift for. Yeah, you 65 00:03:11,040 --> 00:03:14,320 Speaker 2: gift your partner yourself. You're like totally. Your present is 66 00:03:14,360 --> 00:03:16,720 Speaker 2: my presence. I'm going to be present with you today 67 00:03:16,800 --> 00:03:18,960 Speaker 2: and this is my gift. You are welcome, and that 68 00:03:19,040 --> 00:03:23,040 Speaker 2: is free. You've got to be grateful because it's a gift. First, 69 00:03:23,560 --> 00:03:26,320 Speaker 2: I wanted to know how expensive this time of year 70 00:03:26,600 --> 00:03:30,080 Speaker 2: truly is? Truly speno? Are you ready? I'm kind of nervous. 71 00:03:30,200 --> 00:03:32,880 Speaker 2: I've collected the stats. Thankfully, these stats won't apply to 72 00:03:32,919 --> 00:03:36,560 Speaker 2: you personally, but as a collective. So it's obviously no. 73 00:03:36,680 --> 00:03:39,720 Speaker 3: Surprise that this time of year is arguably the most 74 00:03:39,760 --> 00:03:44,440 Speaker 3: expensive time of year for everybody. The Australian Retailers Association 75 00:03:44,640 --> 00:03:47,119 Speaker 3: and Roy Morgan, who do a whole heap of research, 76 00:03:47,560 --> 00:03:52,760 Speaker 3: predict that get this, sixty six point eight billion no 77 00:03:52,920 --> 00:03:55,200 Speaker 3: dollars will be spent in the lead up to Christmas 78 00:03:55,280 --> 00:03:57,640 Speaker 3: from November to the twenty fourth of December. 79 00:03:58,120 --> 00:04:02,160 Speaker 2: Whoa billion? Is that just in Australia? Oh yep, that's 80 00:04:02,200 --> 00:04:03,240 Speaker 2: the Australian No. 81 00:04:03,520 --> 00:04:07,280 Speaker 3: Yeah, we're just really spent happy during this period of time. 82 00:04:07,520 --> 00:04:09,640 Speaker 2: Okay, so is that just Christmas? Gibts? 83 00:04:10,000 --> 00:04:10,320 Speaker 1: What is that? 84 00:04:11,120 --> 00:04:11,400 Speaker 2: Lots? 85 00:04:11,440 --> 00:04:14,360 Speaker 3: It's like the whole festive period, right, So, like it's 86 00:04:14,800 --> 00:04:18,480 Speaker 3: everything in that holiday break. So like let's say it's presence, 87 00:04:18,560 --> 00:04:22,360 Speaker 3: it's food for Christmas Day, it's all the other Christmas celebrations, 88 00:04:22,400 --> 00:04:24,040 Speaker 3: and it's also travel. 89 00:04:24,320 --> 00:04:26,000 Speaker 2: I'm very lucky that my family are. 90 00:04:25,920 --> 00:04:29,120 Speaker 3: Like, oh, don't travel, that's fine, But some of my 91 00:04:29,160 --> 00:04:31,159 Speaker 3: friends are like, all right, so we've got, you know, 92 00:04:31,320 --> 00:04:33,599 Speaker 3: breakfast in Geelong, We've got lunch on the morning to 93 00:04:33,680 --> 00:04:35,440 Speaker 3: Ninsula and then we have to drive to the Yarra 94 00:04:35,560 --> 00:04:36,200 Speaker 3: Valley for dinner. 95 00:04:36,240 --> 00:04:38,599 Speaker 2: And I'm just like, that does not sound like a 96 00:04:38,600 --> 00:04:39,680 Speaker 2: relaxing Christmas. 97 00:04:39,960 --> 00:04:42,440 Speaker 3: But I'm sure you're super happy to see all of 98 00:04:42,480 --> 00:04:43,440 Speaker 3: the people that you love. 99 00:04:43,560 --> 00:04:46,960 Speaker 2: But like, oh my gosh, think of the petrol costs? Bad? Yeah, 100 00:04:47,080 --> 00:04:49,279 Speaker 2: seriously are they adding that to the sixty six billion? 101 00:04:49,400 --> 00:04:51,680 Speaker 3: Wild, isn't it. So let's break it down even further. 102 00:04:52,000 --> 00:04:56,359 Speaker 3: The average Australian is going to spend fourteen hundred and 103 00:04:56,600 --> 00:05:01,159 Speaker 3: seventy nine dollars this Christmas period, So imagine your usual 104 00:05:01,160 --> 00:05:03,960 Speaker 3: monthly expenses and now add basically fifteen hundred bucks on 105 00:05:04,000 --> 00:05:06,599 Speaker 3: top of that. It's absolutely no wonder that people go 106 00:05:06,680 --> 00:05:08,640 Speaker 3: into crippling debt. 107 00:05:08,520 --> 00:05:11,840 Speaker 2: During this period of time. Yeah, that's very stressful. There 108 00:05:11,920 --> 00:05:15,239 Speaker 2: is a lot of money to be spending for one day, really, 109 00:05:15,320 --> 00:05:17,600 Speaker 2: but one day, like I totally get, it's like a 110 00:05:17,600 --> 00:05:18,680 Speaker 2: month of festive cheer. 111 00:05:18,720 --> 00:05:21,160 Speaker 3: But it's all of those little things that creep up 112 00:05:21,279 --> 00:05:23,280 Speaker 3: because you know, if you and I sit down, Beck, 113 00:05:23,400 --> 00:05:24,599 Speaker 3: I'd be like, how much you're spending? 114 00:05:24,640 --> 00:05:26,480 Speaker 2: Beck, You'd be like, oh, they not that much. 115 00:05:26,480 --> 00:05:28,599 Speaker 3: I don't reckon, I reckon. You'd list off a few 116 00:05:28,600 --> 00:05:31,200 Speaker 3: gifts that you want to buy, like off the top 117 00:05:31,240 --> 00:05:33,240 Speaker 3: of your head. But what you're not factoring in is 118 00:05:33,279 --> 00:05:37,000 Speaker 3: the additional drinks for Christmas, the additional festive activities that 119 00:05:37,040 --> 00:05:39,520 Speaker 3: you're going to do, you know, the travel to get 120 00:05:39,520 --> 00:05:42,440 Speaker 3: to and from places, those things where you're like, I 121 00:05:42,440 --> 00:05:44,240 Speaker 3: don't know if you've done this before, but I definitely 122 00:05:44,279 --> 00:05:46,960 Speaker 3: have done this before. You get invited to someone's house 123 00:05:47,040 --> 00:05:48,919 Speaker 3: for like, oh, come over for some crissy drinks and 124 00:05:48,960 --> 00:05:50,800 Speaker 3: you're like, oh, I'd love to do that, and then 125 00:05:50,800 --> 00:05:52,159 Speaker 3: you like freak out on the way there. 126 00:05:52,160 --> 00:05:54,400 Speaker 2: You're like, oh my god, I'm turning up empty handed. 127 00:05:54,440 --> 00:05:56,080 Speaker 3: So you like, pop us the bottle shop, pick up 128 00:05:56,080 --> 00:05:57,799 Speaker 3: all the why and maybe a box of favorites. 129 00:05:57,839 --> 00:06:01,279 Speaker 2: And why are favorites so expensive nowadays? Well that's the 130 00:06:01,360 --> 00:06:03,200 Speaker 2: question that plagues me daily. 131 00:06:03,520 --> 00:06:05,600 Speaker 4: It does mean too, because they took all the good 132 00:06:05,680 --> 00:06:07,200 Speaker 4: chocolates out. Now they charge more. 133 00:06:08,000 --> 00:06:10,320 Speaker 2: No, we see what we're doing. I see what you're doing. 134 00:06:10,880 --> 00:06:13,400 Speaker 2: I see you. I don't respect it. Don't like it, 135 00:06:13,440 --> 00:06:15,480 Speaker 2: but VI, what is it an average Australian, Like, am 136 00:06:15,560 --> 00:06:16,919 Speaker 2: I going to be spending this much? Or is it 137 00:06:16,960 --> 00:06:19,640 Speaker 2: like you know, someone with kids? Or what does the 138 00:06:19,680 --> 00:06:22,159 Speaker 2: average Australian look like. That's actually a really good question 139 00:06:22,240 --> 00:06:25,520 Speaker 2: to contextualize it. So when we talk about an average, 140 00:06:25,560 --> 00:06:28,480 Speaker 2: obviously I'll break it down further, but essentially an average 141 00:06:28,520 --> 00:06:32,520 Speaker 2: is when you take every single person spending in the 142 00:06:32,600 --> 00:06:35,800 Speaker 2: country over the Christmas period and then you divide it 143 00:06:35,839 --> 00:06:38,080 Speaker 2: by the number of people in that cohort. 144 00:06:38,560 --> 00:06:41,200 Speaker 3: So in that cohort, you could have people who literally 145 00:06:41,320 --> 00:06:44,760 Speaker 3: spend nothing because they might not celebrate Christmas due to 146 00:06:44,920 --> 00:06:46,120 Speaker 3: religion or personal beliefs. 147 00:06:46,160 --> 00:06:47,720 Speaker 2: Sure, all the way up to. 148 00:06:48,240 --> 00:06:52,440 Speaker 3: Millionaire families who spend hundreds of thousands of dollars on Christmas. Right, 149 00:06:52,480 --> 00:06:55,159 Speaker 3: So we need to contextualize the fact that that doesn't 150 00:06:55,160 --> 00:06:56,560 Speaker 3: mean that you personally might. 151 00:06:56,440 --> 00:06:57,760 Speaker 2: Spend fifteen hundred bucks. 152 00:06:58,040 --> 00:07:01,640 Speaker 3: But I feel like that's actually a really normal number 153 00:07:01,720 --> 00:07:05,680 Speaker 3: at Christmas time because once everything adds up, like I 154 00:07:05,720 --> 00:07:08,120 Speaker 3: already know that in my head, I've worked it out. 155 00:07:08,200 --> 00:07:10,320 Speaker 3: My parents leave about an hour and ten, an hour 156 00:07:10,400 --> 00:07:13,280 Speaker 3: and fifteen away from me, the petrol back and forth, 157 00:07:13,320 --> 00:07:15,320 Speaker 3: because I know that I can't be there every day, 158 00:07:15,320 --> 00:07:17,080 Speaker 3: and you know I've got some work during that period 159 00:07:17,080 --> 00:07:19,200 Speaker 3: of time. I'm gonna spend so much more on petrol, 160 00:07:19,280 --> 00:07:21,160 Speaker 3: Like I reckon, we're going to budget an extra four 161 00:07:21,240 --> 00:07:24,040 Speaker 3: hundred dollars over the month of December, just like traveling 162 00:07:24,080 --> 00:07:27,360 Speaker 3: to and from different places, and like my family's based 163 00:07:27,440 --> 00:07:29,280 Speaker 3: in a radius of like an hour drive. 164 00:07:29,440 --> 00:07:32,560 Speaker 2: Sure that's a lot of money. Yes, that's just petrol. 165 00:07:33,080 --> 00:07:35,720 Speaker 2: Especially now for some reason, the petrol pristers aren't going down. 166 00:07:35,720 --> 00:07:37,880 Speaker 2: But that's the conversation for another time exactly. 167 00:07:38,000 --> 00:07:40,640 Speaker 3: So it might not cost you that. But if we 168 00:07:40,680 --> 00:07:44,480 Speaker 3: look deeper into those statistics, right, and we get different 169 00:07:44,480 --> 00:07:47,040 Speaker 3: cohorts of people and go, all right, well, bear, how 170 00:07:47,120 --> 00:07:48,320 Speaker 3: much does a millennial spend? 171 00:07:48,760 --> 00:07:51,720 Speaker 2: That's me. I'm pretty sure you're a gen z Hokong summer, 172 00:07:51,760 --> 00:07:54,320 Speaker 2: all the young ones are gen z these days. I'm 173 00:07:54,320 --> 00:07:59,360 Speaker 2: millennial too. No you're not, aren't you? Like twelve? I 174 00:07:59,400 --> 00:08:03,200 Speaker 2: wish I was right. Well, us millennials, it's more expensive. 175 00:08:03,240 --> 00:08:06,080 Speaker 2: You're going to issh your agen z Okay, we are 176 00:08:06,160 --> 00:08:09,440 Speaker 2: predicted to spend the most this Christmas. We are spending 177 00:08:09,480 --> 00:08:13,720 Speaker 2: on average nineteen hundred and twenty four dollars. Whoa, that's 178 00:08:13,760 --> 00:08:16,640 Speaker 2: two grand. That's the true to Bali babe, what the heck? Yeah, 179 00:08:16,640 --> 00:08:18,160 Speaker 2: you do so much with that. 180 00:08:18,320 --> 00:08:20,920 Speaker 3: Gen Z's they're a lot more frugal. They're going to 181 00:08:21,040 --> 00:08:25,320 Speaker 3: spend about one and twenty three dollars this season. 182 00:08:25,480 --> 00:08:27,040 Speaker 2: I guess it makes sense because you know, you don't 183 00:08:27,080 --> 00:08:29,520 Speaker 2: have as many responsibilities. Maybe you're smarter with your money. 184 00:08:29,520 --> 00:08:31,120 Speaker 2: Maybe you're smarter with your money. Maybe you're just a 185 00:08:31,160 --> 00:08:33,000 Speaker 2: lot smarter than we are. That's probably what it is. 186 00:08:33,040 --> 00:08:35,760 Speaker 2: But as a millennial, it doesn't really look great for 187 00:08:36,040 --> 00:08:39,600 Speaker 2: either of us. But I wonder is this more because 188 00:08:39,760 --> 00:08:42,920 Speaker 2: of the cost of living crisis or is it because 189 00:08:42,960 --> 00:08:45,400 Speaker 2: of other reasons, like how much we're spending? Yeah, Like 190 00:08:45,440 --> 00:08:47,320 Speaker 2: are we spending more because of that? Yeah? 191 00:08:47,320 --> 00:08:51,680 Speaker 3: Honestly, the overall spend is marginally higher than it was 192 00:08:51,760 --> 00:08:54,920 Speaker 3: last year, but there are a few interesting changes to 193 00:08:55,080 --> 00:08:58,640 Speaker 3: the stats, right, Yeah, so it's predicted that the spending hospitality, 194 00:08:59,080 --> 00:09:01,720 Speaker 3: household goods, and clothing is actually going to drop in 195 00:09:01,720 --> 00:09:02,920 Speaker 3: comparison to last year. 196 00:09:03,160 --> 00:09:04,680 Speaker 2: It kind of makes sense because if you've had. 197 00:09:04,559 --> 00:09:06,280 Speaker 3: A bit of a hard year, Beck, you're going to go, well, 198 00:09:06,400 --> 00:09:08,200 Speaker 3: let's not go out to that fancy restaurant. How about 199 00:09:08,200 --> 00:09:10,360 Speaker 3: you just come over and I'll make a pasta or 200 00:09:10,559 --> 00:09:12,760 Speaker 3: you know, you're going to spend less on the gifts 201 00:09:12,800 --> 00:09:15,560 Speaker 3: that you're giving, which is usually household goods, let's be honest, 202 00:09:15,880 --> 00:09:17,560 Speaker 3: and clothing and shoes and stuff like that. 203 00:09:17,679 --> 00:09:18,760 Speaker 2: But there is. 204 00:09:18,760 --> 00:09:21,000 Speaker 3: Going to be a huge rise in a spend of 205 00:09:21,040 --> 00:09:24,680 Speaker 3: food and at department stores. So you could interpret that 206 00:09:24,720 --> 00:09:27,800 Speaker 3: honestly however you like. But it seems like we're skimping 207 00:09:27,800 --> 00:09:30,439 Speaker 3: out on things for ourselves in order to put food 208 00:09:30,480 --> 00:09:33,640 Speaker 3: on the Christmas table this year and buy gifts for others, 209 00:09:33,720 --> 00:09:35,199 Speaker 3: which I think it's. 210 00:09:35,080 --> 00:09:35,760 Speaker 2: Kind of wholesome. 211 00:09:35,920 --> 00:09:38,160 Speaker 3: It's kind of sad that it's related to the cost 212 00:09:38,240 --> 00:09:40,400 Speaker 3: of living, but like, let's just reframe it. 213 00:09:40,800 --> 00:09:43,439 Speaker 2: We're just more generous and kind this year. Sure, that's 214 00:09:43,480 --> 00:09:45,360 Speaker 2: a very wholesome way to look at it. But those 215 00:09:45,400 --> 00:09:47,679 Speaker 2: are interesting SATs and especially about the food. 216 00:09:48,080 --> 00:09:49,800 Speaker 3: I mean, we're going to cut back on going out 217 00:09:49,840 --> 00:09:51,600 Speaker 3: for drinks, We're going to cut back on going out 218 00:09:51,600 --> 00:09:52,920 Speaker 3: for dinner, but at the end of the day, you 219 00:09:53,000 --> 00:09:55,559 Speaker 3: might invite a few more people round to Chrissy dinner 220 00:09:55,600 --> 00:09:56,040 Speaker 3: and you know. 221 00:09:56,080 --> 00:09:56,839 Speaker 2: Host at home. 222 00:09:56,960 --> 00:09:59,600 Speaker 3: So the supermarkets are going to rake it in I mean, 223 00:10:00,040 --> 00:10:01,959 Speaker 3: we've got a lot to say on the price gouging 224 00:10:01,960 --> 00:10:04,120 Speaker 3: that they're doing at the moment with their billion dollar profits. 225 00:10:04,120 --> 00:10:07,080 Speaker 2: But that's a conversation for another day. Don't get us stuck. 226 00:10:09,400 --> 00:10:11,720 Speaker 2: But I know that our weekly shops are costing more now. 227 00:10:11,760 --> 00:10:13,760 Speaker 2: It's nice to think that maybe more people will opt 228 00:10:13,760 --> 00:10:16,040 Speaker 2: to have some of their Christmas celebrations at home rather 229 00:10:16,080 --> 00:10:18,319 Speaker 2: than at a restaurant or a pub. But I guess 230 00:10:18,360 --> 00:10:20,200 Speaker 2: that's why the food cost is up this year. It 231 00:10:20,200 --> 00:10:22,360 Speaker 2: also kind of sounds like a lot of spending is 232 00:10:22,800 --> 00:10:26,400 Speaker 2: due to like decking the halls and like getting your 233 00:10:26,440 --> 00:10:29,160 Speaker 2: house nice and pretty for Christmas. I mean, you know 234 00:10:29,160 --> 00:10:31,080 Speaker 2: when you were little and your mum would be like, Beck, 235 00:10:31,240 --> 00:10:34,840 Speaker 2: we have food at home? Yeah? Beck, you have Christmas 236 00:10:34,840 --> 00:10:37,439 Speaker 2: decorations from last year. Use them. I don't want to 237 00:10:37,520 --> 00:10:40,240 Speaker 2: use I have you seen the kmart range? Like, are 238 00:10:40,280 --> 00:10:42,040 Speaker 2: you joking? They've done rainbow? 239 00:10:42,400 --> 00:10:45,120 Speaker 3: Oh I'm going to do an entirely rainbow Christmas tree 240 00:10:45,240 --> 00:10:47,840 Speaker 3: on a budget because obviously it's KMA and the boxes 241 00:10:47,880 --> 00:10:50,720 Speaker 3: are like twelve dollars. Honestly, it's just a no brainer, 242 00:10:50,840 --> 00:10:53,760 Speaker 3: just twelve bucks on a whole heap of colored bullballs 243 00:10:53,800 --> 00:10:55,560 Speaker 3: old only use one time during. 244 00:10:55,360 --> 00:10:58,960 Speaker 2: The exactly and then next year I need a different theme. 245 00:10:59,120 --> 00:11:02,040 Speaker 3: But what you're saying is absolutely true. 246 00:11:02,040 --> 00:11:04,200 Speaker 2: There is I guess, a lot less to spend on 247 00:11:04,360 --> 00:11:05,360 Speaker 2: decking the halls. 248 00:11:05,440 --> 00:11:07,880 Speaker 3: In fact, the most alarming part of all of this 249 00:11:08,120 --> 00:11:10,240 Speaker 3: is that twenty four percent of people, and that is 250 00:11:10,360 --> 00:11:14,040 Speaker 3: almost one in four people, will be relying on credit 251 00:11:14,120 --> 00:11:17,920 Speaker 3: cards to cover costs this Christmas season. So that's four 252 00:11:17,960 --> 00:11:21,480 Speaker 3: point eight million people here in Australia who will be 253 00:11:21,520 --> 00:11:24,640 Speaker 3: pushed into debt over this festive season. And as much 254 00:11:24,679 --> 00:11:28,240 Speaker 3: as colorful Christmas balls from kmart are very exciting to 255 00:11:28,280 --> 00:11:31,240 Speaker 3: talk about, I feel like we need to get into 256 00:11:31,240 --> 00:11:33,760 Speaker 3: the nitty gritty of debt and talking about how bad 257 00:11:33,840 --> 00:11:37,120 Speaker 3: that can be because twelve dollars here and there it 258 00:11:37,160 --> 00:11:37,720 Speaker 3: adds up. 259 00:11:38,080 --> 00:11:38,920 Speaker 2: And as I've said. 260 00:11:38,760 --> 00:11:41,480 Speaker 3: Before a million times on this podcast, no one goes 261 00:11:41,480 --> 00:11:43,960 Speaker 3: and gets a credit card beck with the intention of 262 00:11:44,000 --> 00:11:47,199 Speaker 3: going into crippling debt. No one wants to feel stressed 263 00:11:47,240 --> 00:11:48,400 Speaker 3: over the Christmas period. 264 00:11:48,760 --> 00:11:50,719 Speaker 2: Lots of people will be like, oh, just chuck it on. 265 00:11:50,640 --> 00:11:53,160 Speaker 3: Credit it'll be fine, and then they can't sleep during 266 00:11:53,240 --> 00:11:55,560 Speaker 3: that period of time. Like to me, it is not 267 00:11:55,720 --> 00:11:58,760 Speaker 3: fair and I think that we really should be contextualizing 268 00:11:58,800 --> 00:12:02,319 Speaker 3: what this means and having up more open, honest conversations 269 00:12:02,320 --> 00:12:04,840 Speaker 3: with our friends and family about what this means. And 270 00:12:04,960 --> 00:12:08,600 Speaker 3: obviously there are a heap of ways to cut down costs. 271 00:12:08,920 --> 00:12:12,040 Speaker 2: Yes, absolutely, if we are here to help. So basically, 272 00:12:12,080 --> 00:12:14,480 Speaker 2: after the break, I think we'll go through and talk 273 00:12:14,520 --> 00:12:17,559 Speaker 2: about gifts that are not super expensive. Maybe you can 274 00:12:17,600 --> 00:12:20,280 Speaker 2: make them at home, maybe free stuff. We're going to 275 00:12:20,320 --> 00:12:21,959 Speaker 2: talk about all that kind of stuff. We'll go to 276 00:12:22,000 --> 00:12:25,280 Speaker 2: a quick break and get our lists ready. Let's have 277 00:12:25,320 --> 00:12:27,760 Speaker 2: a think. Yeah, because I'm not feeling that festive after 278 00:12:27,840 --> 00:12:30,040 Speaker 2: reading all of those stuff. I'm not feeling festive at 279 00:12:30,040 --> 00:12:31,280 Speaker 2: all at the moment. But we will. 280 00:12:31,400 --> 00:12:34,520 Speaker 4: We will because we're going to have some sick gift ideas, yes, 281 00:12:34,720 --> 00:12:36,640 Speaker 4: that are going to save your whole heap of money. 282 00:12:36,720 --> 00:12:43,920 Speaker 2: So don't go anywhere, guys, I V we are back. 283 00:12:44,320 --> 00:12:46,960 Speaker 2: I'm ready, are feeling more festive. I'm feeling a little 284 00:12:46,960 --> 00:12:49,360 Speaker 2: bit more festive too. Actually, we're going to help you 285 00:12:49,640 --> 00:12:52,079 Speaker 2: save some cash. You go first. Actually I want you 286 00:12:52,120 --> 00:12:55,640 Speaker 2: to talk about I'm us or maybe any time to think. 287 00:12:55,880 --> 00:12:57,560 Speaker 3: All right, all right, A right, I have a list 288 00:12:57,720 --> 00:13:03,160 Speaker 3: and I've been checking it twice but you do not 289 00:13:03,400 --> 00:13:05,320 Speaker 3: have to spend a lot of money on gifts to 290 00:13:05,320 --> 00:13:07,679 Speaker 3: show people how much you care about them. And obviously, 291 00:13:07,760 --> 00:13:09,880 Speaker 3: throughout the year, I've been dropping hints on the pod, 292 00:13:09,960 --> 00:13:12,920 Speaker 3: but we have been creating a list of actually good, 293 00:13:13,040 --> 00:13:17,120 Speaker 3: actually thoughtful DIY gifts, because I'm not gonna lie your 294 00:13:17,200 --> 00:13:20,000 Speaker 3: kid coming home with a snowflake made out of a 295 00:13:20,040 --> 00:13:25,400 Speaker 3: paper plate, while cute, kind of don't want it. 296 00:13:27,000 --> 00:13:30,599 Speaker 2: Not a good Christmas resent, sure, you know, not practical. 297 00:13:31,240 --> 00:13:33,959 Speaker 3: That's a good present, I suppose, And I mean, I'm 298 00:13:34,000 --> 00:13:36,200 Speaker 3: yet to have this baby, beck, So maybe I just 299 00:13:36,200 --> 00:13:39,240 Speaker 3: don't understand why my mum still puts a paper plate 300 00:13:39,440 --> 00:13:41,840 Speaker 3: with a glued on toilet roll that looks kind. 301 00:13:41,720 --> 00:13:44,400 Speaker 2: Of like an angel on the Christmas tree every year. 302 00:13:44,400 --> 00:13:47,680 Speaker 3: That I made what like thirty years ago. Maybe that 303 00:13:47,840 --> 00:13:48,720 Speaker 3: is a good gift. 304 00:13:49,040 --> 00:13:51,600 Speaker 2: That is, so maybe we should be. 305 00:13:51,679 --> 00:13:53,880 Speaker 4: Using paper plates and toilet rolls to create all of 306 00:13:53,960 --> 00:13:54,840 Speaker 4: our Christmas resuents. 307 00:13:55,520 --> 00:13:58,760 Speaker 2: That if you gave me an angel paper plate with 308 00:13:58,840 --> 00:14:01,199 Speaker 2: a toilet stuck to it for no reason whatsoever, I 309 00:14:01,200 --> 00:14:03,120 Speaker 2: think I would like that. I don't think you would. 310 00:14:03,120 --> 00:14:06,080 Speaker 2: I think you'd be like, dang, great, now I have 311 00:14:06,080 --> 00:14:09,000 Speaker 2: to hold this thing. No what do I do with it? 312 00:14:09,040 --> 00:14:09,800 Speaker 2: Do I throw it out? 313 00:14:09,800 --> 00:14:12,680 Speaker 4: It's like getting cards. You want to throw out Christmas 314 00:14:12,679 --> 00:14:13,760 Speaker 4: cards or Birthday cards? 315 00:14:13,840 --> 00:14:16,160 Speaker 2: Yeah, that's something I still wonder. I keep them just 316 00:14:16,200 --> 00:14:16,640 Speaker 2: your case. 317 00:14:16,760 --> 00:14:18,240 Speaker 3: What if you ask me and you're like, man, do 318 00:14:18,280 --> 00:14:20,360 Speaker 3: you still have that Christmas card? It was really thoughtful 319 00:14:20,400 --> 00:14:22,640 Speaker 3: and I'm going no, I just chocked it in the fire. 320 00:14:22,880 --> 00:14:24,680 Speaker 2: Yeah, that's what I'm worried about. You say. 321 00:14:24,960 --> 00:14:27,760 Speaker 4: Anyway, here are some actually thoughtful presence. 322 00:14:27,800 --> 00:14:30,440 Speaker 3: All right, So first lay off the rank. Do you 323 00:14:30,560 --> 00:14:32,400 Speaker 3: like that homemade wheat packs? 324 00:14:33,120 --> 00:14:34,000 Speaker 2: Oh? Very good? 325 00:14:34,160 --> 00:14:36,280 Speaker 3: So you say very good, but you probably don't know 326 00:14:36,320 --> 00:14:39,200 Speaker 3: what I'm really talking about it before. 327 00:14:39,360 --> 00:14:41,720 Speaker 2: Yes, that too, and someone did maybe one of these ones. 328 00:14:41,760 --> 00:14:43,040 Speaker 2: So it is. 329 00:14:43,560 --> 00:14:46,680 Speaker 3: So I love this because you can just have basic 330 00:14:46,720 --> 00:14:49,440 Speaker 3: stitching skills for this. You could YouTube it. It's fun. 331 00:14:49,560 --> 00:14:52,440 Speaker 3: You might want to upscale this festive season if you 332 00:14:52,480 --> 00:14:55,320 Speaker 3: have a sewing machine, honestly cut your time in half. 333 00:14:55,400 --> 00:14:58,320 Speaker 3: But also you can definitely handstitch it. A sewing kit 334 00:14:58,400 --> 00:15:02,240 Speaker 3: from like kmart is honestly with thread with needles, but 335 00:15:02,280 --> 00:15:04,080 Speaker 3: the tiny scissors is like five. 336 00:15:03,840 --> 00:15:06,120 Speaker 2: Bucks from kmart. Sick. And one of my. 337 00:15:06,120 --> 00:15:10,760 Speaker 3: Favorite uses of fabrics is cheap tea towels because obviously 338 00:15:10,800 --> 00:15:12,360 Speaker 3: I'm not going to go to spotlight and by like 339 00:15:12,480 --> 00:15:14,760 Speaker 3: rolls and rolls of fabric, which I think ends up 340 00:15:14,800 --> 00:15:17,200 Speaker 3: being quite expensive but also quite wasteful. 341 00:15:17,600 --> 00:15:22,560 Speaker 2: One tea towel equals one weet pack. Yeah, stitched around 342 00:15:22,560 --> 00:15:25,000 Speaker 2: the edge, right, so that's not going to fray. Yeah, 343 00:15:25,040 --> 00:15:27,480 Speaker 2: money win if you get them from kmart. I'm pretty 344 00:15:27,480 --> 00:15:29,320 Speaker 2: sure like a five pack of tea towels is like 345 00:15:29,440 --> 00:15:31,040 Speaker 2: five bucks as well. You could be. 346 00:15:31,080 --> 00:15:35,400 Speaker 3: Fancy and get like branded ones, like imagine getting like 347 00:15:35,520 --> 00:15:37,240 Speaker 3: a Winnie the Pooh tea towel one. 348 00:15:37,720 --> 00:15:41,240 Speaker 2: Anyway, interesting that your mind went straight to Winning the 349 00:15:41,240 --> 00:15:45,120 Speaker 2: Poo as a brand. I was think of Gucci. Oh, 350 00:15:45,800 --> 00:15:48,880 Speaker 2: you see tea towelse you like branded, and then you're 351 00:15:48,920 --> 00:15:49,680 Speaker 2: like Winny the Poo. 352 00:15:50,040 --> 00:15:52,760 Speaker 3: But do you know what, I'm thinking a lot about 353 00:15:52,800 --> 00:15:55,960 Speaker 3: Winnie the Pool at the moment, because I'm pregnant, of course, 354 00:15:56,000 --> 00:15:58,400 Speaker 3: and all of my tops now when I put them on, 355 00:15:58,520 --> 00:15:59,920 Speaker 3: make me look like I'm Winning the Pew. 356 00:16:00,320 --> 00:16:02,920 Speaker 2: Those possibly cute, it's not cute. 357 00:16:03,040 --> 00:16:05,160 Speaker 3: I literally look like Winnie the Pooh when I put 358 00:16:05,200 --> 00:16:07,320 Speaker 3: my t shirts on in the morning nowadays, and my 359 00:16:07,400 --> 00:16:12,520 Speaker 3: husband literally calls me pooh oh. I'm like, yeah, could 360 00:16:12,520 --> 00:16:15,000 Speaker 3: I borrow one of your t shirts? Thanks, we're going 361 00:16:15,040 --> 00:16:16,840 Speaker 3: for coffee. I didn't need to be attacked like this. 362 00:16:17,080 --> 00:16:19,040 Speaker 2: Also, you could call you whinny, but he's gone straight 363 00:16:19,040 --> 00:16:21,280 Speaker 2: for poo straight poo. 364 00:16:22,000 --> 00:16:26,400 Speaker 3: What a nice guy, fantastic dad material anyway, But what 365 00:16:26,440 --> 00:16:28,560 Speaker 3: you're going to do is obviously stitch around the edge. 366 00:16:28,600 --> 00:16:30,880 Speaker 3: I'll do a tutorial online for this because it is 367 00:16:30,920 --> 00:16:32,200 Speaker 3: actually really really easy. 368 00:16:32,360 --> 00:16:34,080 Speaker 2: But what you're going to fill it with is wheat. 369 00:16:34,600 --> 00:16:37,480 Speaker 2: Weady buy wheat back ah the pets. 370 00:16:37,480 --> 00:16:41,400 Speaker 3: Sure, you can get a ten kilo bag of wheat 371 00:16:41,440 --> 00:16:44,480 Speaker 3: for ten dollars. Oh that's cheap, and that's gonna make 372 00:16:44,640 --> 00:16:47,560 Speaker 3: like at least ten different wheat packs. 373 00:16:47,800 --> 00:16:48,840 Speaker 2: Yeah, if you're. 374 00:16:48,720 --> 00:16:51,440 Speaker 3: Really fancy, you're going to walk around your neighborhood and 375 00:16:51,480 --> 00:16:55,040 Speaker 3: you're like be spying the whole time. Anybody got any lavender? 376 00:16:55,080 --> 00:16:57,440 Speaker 2: I could dry up put in there, good idea. You're 377 00:16:57,480 --> 00:17:00,360 Speaker 2: paying for lavender, you could chuck some essential oils, could 378 00:17:00,360 --> 00:17:04,280 Speaker 2: put anything you want in there, right. Obviously, Christmas in 379 00:17:04,320 --> 00:17:06,480 Speaker 2: Australia is currently during summer, so they're not going to 380 00:17:06,600 --> 00:17:09,359 Speaker 2: use it immediately. But a wheat pack doesn't go astray 381 00:17:09,400 --> 00:17:11,200 Speaker 2: in my house, got a saw back wheat pack? 382 00:17:11,400 --> 00:17:14,359 Speaker 3: Cold at my desk? Wheat pack, you're cold at my house? 383 00:17:14,400 --> 00:17:17,119 Speaker 3: Do you want a wheat pack? Heep I made last Christmas. 384 00:17:17,200 --> 00:17:20,000 Speaker 2: Honestly, those are timeless gifts. You will never not need 385 00:17:20,040 --> 00:17:21,240 Speaker 2: a wheat pack. I agree. 386 00:17:21,320 --> 00:17:24,400 Speaker 3: Also, kmart has stepped up the game this year. They 387 00:17:24,440 --> 00:17:28,719 Speaker 3: have a whole heap of diy craft things, right clay 388 00:17:29,119 --> 00:17:32,000 Speaker 3: using air dry clay, you could hand make some earrings 389 00:17:32,080 --> 00:17:34,440 Speaker 3: or candle holders. You could make like a little game 390 00:17:34,480 --> 00:17:39,760 Speaker 3: of like Tic tac toe. Oh cute jewelry holders literally 391 00:17:39,920 --> 00:17:43,000 Speaker 3: so much. But clay costs between five and fifteen dollars 392 00:17:43,040 --> 00:17:46,080 Speaker 3: from like came up Bunning's office works Amazon if you're 393 00:17:46,119 --> 00:17:49,040 Speaker 3: smart and planned. But honestly, these are all just like 394 00:17:49,160 --> 00:17:52,120 Speaker 3: cam up things. This isn't sponsored by kmart, by the way. 395 00:17:52,240 --> 00:17:55,919 Speaker 2: I'm just obsessed and also probably should have been smarter 396 00:17:56,080 --> 00:17:58,600 Speaker 2: with my marketing and pr. I should have reached out 397 00:17:58,640 --> 00:18:00,000 Speaker 2: to kmart to be like, I'm going to do a 398 00:18:00,040 --> 00:18:02,679 Speaker 2: Christmas episode and we should work together. True, but it 399 00:18:02,720 --> 00:18:05,080 Speaker 2: didn't do this for free, km up. 400 00:18:05,720 --> 00:18:08,960 Speaker 3: I'm doing you a solid the next This has been 401 00:18:09,000 --> 00:18:12,479 Speaker 3: popular in our community every year, so I have been 402 00:18:12,520 --> 00:18:15,520 Speaker 3: sharing this recipe for the last four Christmases with you guys, 403 00:18:15,680 --> 00:18:18,680 Speaker 3: And every year someone messages me and goes, hey, the 404 00:18:18,920 --> 00:18:20,919 Speaker 3: I saw you posted this last year and I just 405 00:18:20,920 --> 00:18:21,920 Speaker 3: thought it was a bit lame. 406 00:18:22,560 --> 00:18:23,080 Speaker 2: Didn't do it? 407 00:18:23,160 --> 00:18:25,560 Speaker 3: Did it this year? It's incredible? And that is my 408 00:18:25,680 --> 00:18:29,520 Speaker 3: recipe for Christmas crack. Oh you haven't yet had it 409 00:18:29,560 --> 00:18:31,360 Speaker 3: because you have not been on the show for more 410 00:18:31,400 --> 00:18:33,840 Speaker 3: than a year. But like at Christmas time, I make 411 00:18:34,320 --> 00:18:37,240 Speaker 3: so many trays of this stuff and I give it 412 00:18:37,280 --> 00:18:40,600 Speaker 3: as gifts and people are always like, the what was 413 00:18:40,640 --> 00:18:42,159 Speaker 3: in that? It was incredible? 414 00:18:42,200 --> 00:18:42,800 Speaker 2: What is it? 415 00:18:43,040 --> 00:18:43,159 Speaker 1: So? 416 00:18:43,680 --> 00:18:46,720 Speaker 2: You can package it up really cute, really homemade. You're 417 00:18:46,720 --> 00:18:49,359 Speaker 2: not gonna believe me how good this is. Go just 418 00:18:49,400 --> 00:18:49,800 Speaker 2: look up. 419 00:18:49,800 --> 00:18:53,000 Speaker 3: Christmas crack in my Facebook group because then everybody will 420 00:18:53,080 --> 00:18:56,040 Speaker 3: like convince you of it. But it's essentially a get 421 00:18:56,119 --> 00:19:01,080 Speaker 3: this saladas. Okay, it's the base biscuit. We then make 422 00:19:01,119 --> 00:19:03,960 Speaker 3: a caramel sauce, which is super easy. It's basically brown 423 00:19:04,000 --> 00:19:06,399 Speaker 3: sugar and butter m M and then you top it 424 00:19:06,440 --> 00:19:09,280 Speaker 3: with chocolate and then you could dress it however you want. 425 00:19:09,359 --> 00:19:12,080 Speaker 3: Sometimes I put just some sea salt on the top, 426 00:19:12,240 --> 00:19:15,000 Speaker 3: or we might put some like sprinkles or something like 427 00:19:15,080 --> 00:19:17,960 Speaker 3: you could literally do whatever you want given it's Christmas time. 428 00:19:18,119 --> 00:19:21,600 Speaker 3: I know the supermarket has those like festive sprinkles for cupcakes. 429 00:19:21,600 --> 00:19:22,560 Speaker 3: You could put that on there. 430 00:19:22,640 --> 00:19:26,760 Speaker 2: Yeah, extra festive, right, doesn't sound that appetizing when I 431 00:19:26,800 --> 00:19:31,560 Speaker 2: explain it. But once it's all dry, it cracks and it's. 432 00:19:31,480 --> 00:19:38,680 Speaker 3: Like this crunchy, sweet, salty, gooey, like incredible biscuit and 433 00:19:38,720 --> 00:19:40,719 Speaker 3: you crack it up. It has to be rustic, like 434 00:19:40,760 --> 00:19:43,159 Speaker 3: you don't actually want it to be in the Salada squares. 435 00:19:43,200 --> 00:19:45,480 Speaker 3: You want it to kind of be like triangles and 436 00:19:45,640 --> 00:19:49,800 Speaker 3: like really rugged pieces Christmas crack, which means you don't 437 00:19:49,840 --> 00:19:51,440 Speaker 3: even have to do a good job of cooking it 438 00:19:51,560 --> 00:19:54,320 Speaker 3: like it can look rustic, is what we'll call it. 439 00:19:54,359 --> 00:19:55,280 Speaker 2: I love that. 440 00:19:55,800 --> 00:19:57,920 Speaker 3: I promise I'm going to bring you some next week 441 00:19:58,040 --> 00:19:59,720 Speaker 3: and you're going to lose your mind. 442 00:20:00,200 --> 00:20:02,360 Speaker 2: I was so excited, but it sounds so. 443 00:20:02,440 --> 00:20:05,800 Speaker 3: Cheap, and you make so much of it, and people like, wow, 444 00:20:05,880 --> 00:20:07,960 Speaker 3: you made this, thank you, and you just go, yeah, 445 00:20:08,000 --> 00:20:09,880 Speaker 3: I made it because I thought you would really love it, 446 00:20:10,080 --> 00:20:12,520 Speaker 3: like you could obviously drop in that she's on the money. 447 00:20:12,520 --> 00:20:14,239 Speaker 2: It's the best podcast ever. And that's where you got 448 00:20:14,240 --> 00:20:17,720 Speaker 2: the idea if it comes up organically Christmas, she's on 449 00:20:17,760 --> 00:20:18,080 Speaker 2: the money. 450 00:20:18,119 --> 00:20:20,360 Speaker 3: He's a new listener, and that's all we could really 451 00:20:20,400 --> 00:20:22,680 Speaker 3: ask for this first five season back, that's all we want. 452 00:20:22,840 --> 00:20:26,160 Speaker 3: But Christmas crack is honestly one of my favorite gifts 453 00:20:26,200 --> 00:20:30,440 Speaker 3: to give. The next is maybe a little less rustic 454 00:20:30,520 --> 00:20:31,840 Speaker 3: and requires. 455 00:20:31,359 --> 00:20:34,120 Speaker 2: A little bit more skill. Sure, but I got one 456 00:20:34,200 --> 00:20:37,399 Speaker 2: last year and I was super impressed, and that was 457 00:20:37,440 --> 00:20:41,560 Speaker 2: a mcrame plant holder. Yes, so one of my girlfriends. 458 00:20:41,160 --> 00:20:43,160 Speaker 3: Made it super cheap to make. You can buy rope 459 00:20:43,160 --> 00:20:45,639 Speaker 3: from Bunnings for like ten bucks, but. 460 00:20:45,520 --> 00:20:49,000 Speaker 2: You can gift it with like a propagated cutting ah 461 00:20:49,119 --> 00:20:52,800 Speaker 2: clever smart so free plant money win, and then you 462 00:20:52,840 --> 00:20:55,800 Speaker 2: can also give them like the mcrame mic holder. There's 463 00:20:55,880 --> 00:20:58,919 Speaker 2: lots of tutorials on TikTok and on YouTube, so like, 464 00:20:59,000 --> 00:21:00,520 Speaker 2: you don't just have to make it yourself. 465 00:21:00,680 --> 00:21:04,600 Speaker 3: Probably unpopular opinion, don't buy the kids online. They're like 466 00:21:04,760 --> 00:21:06,080 Speaker 3: seventy or eighty dollars. 467 00:21:06,200 --> 00:21:10,440 Speaker 2: Cancel that. Just find a template online, free mccrame plant 468 00:21:10,480 --> 00:21:12,840 Speaker 2: hold a template and it will literally just come up 469 00:21:12,920 --> 00:21:14,520 Speaker 2: and show you how to make a whole heap of 470 00:21:14,560 --> 00:21:17,240 Speaker 2: different ones. Okay, money win. There's usually a. 471 00:21:17,160 --> 00:21:20,360 Speaker 3: YouTube tutorial that goes with it, that shows you exactly how. 472 00:21:20,400 --> 00:21:23,280 Speaker 2: Yeah, very cute. The next is a printed photo book album. 473 00:21:24,040 --> 00:21:27,399 Speaker 2: Oh so, I can't think of anything more thoughtful than 474 00:21:27,440 --> 00:21:29,879 Speaker 2: a friend going through their photo album and finding a 475 00:21:29,880 --> 00:21:32,920 Speaker 2: whole heap of cute photos of us together printing them out. 476 00:21:33,359 --> 00:21:35,040 Speaker 2: You could print them it Cama. If you've got a 477 00:21:35,080 --> 00:21:36,520 Speaker 2: bit more time, you can print them out and be 478 00:21:36,600 --> 00:21:38,919 Speaker 2: fancy and send them through to Vista Print, which is 479 00:21:39,000 --> 00:21:43,000 Speaker 2: even cheaper. But like, is that not the cutest idea ever? Yeah, 480 00:21:43,040 --> 00:21:44,880 Speaker 2: that's like a little memory book of all of your 481 00:21:44,880 --> 00:21:47,960 Speaker 2: friend memories. I love that. It feels so much more 482 00:21:48,160 --> 00:21:49,280 Speaker 2: special when it's printed out. 483 00:21:49,359 --> 00:21:51,680 Speaker 3: Yeah, and if you've got like graphic design skills, which 484 00:21:51,680 --> 00:21:53,720 Speaker 3: I do not possess, you do, you could use like 485 00:21:53,800 --> 00:21:56,440 Speaker 3: Canva or something to design the book and get it printed. 486 00:21:56,520 --> 00:21:58,800 Speaker 3: And to be honest, if you're getting a book printed online, 487 00:21:58,840 --> 00:22:00,560 Speaker 3: it's honestly like ten dollars. 488 00:22:00,920 --> 00:22:05,520 Speaker 2: You know who's gonna love that? Mums? Moms. Mummy will 489 00:22:05,560 --> 00:22:06,880 Speaker 2: love that. Mom's gonna love it. 490 00:22:07,160 --> 00:22:08,680 Speaker 3: You know you should do next time you go to 491 00:22:08,720 --> 00:22:11,840 Speaker 3: your mum's place, you should raid all of the family photos, 492 00:22:12,359 --> 00:22:13,959 Speaker 3: scan the me in and put them in a book. 493 00:22:14,200 --> 00:22:17,520 Speaker 2: WHOA, She's basically done the work for you. Yeah? True? 494 00:22:17,880 --> 00:22:20,640 Speaker 2: Is that not genius? That's genius fee, that's genius. Smart. 495 00:22:21,000 --> 00:22:23,160 Speaker 2: I've got a few if you're ready. Oh, you've now 496 00:22:23,160 --> 00:22:24,960 Speaker 2: thought of a number to share? Yes, I think that 497 00:22:25,000 --> 00:22:26,840 Speaker 2: was appropriate amount of time to think of a few things. 498 00:22:26,840 --> 00:22:29,119 Speaker 2: You're going to say the things I said, I'm going 499 00:22:29,160 --> 00:22:31,480 Speaker 2: to go through and say homemade wheat pack. I'm just kidding. 500 00:22:32,720 --> 00:22:35,760 Speaker 2: But so have you heard of Christmas crack? I like 501 00:22:35,800 --> 00:22:37,600 Speaker 2: to be a little bit savvy, and so I'm thinking 502 00:22:37,600 --> 00:22:39,439 Speaker 2: of all the ways I've kind of gotten away with 503 00:22:39,680 --> 00:22:42,520 Speaker 2: not spending much over Christmas and birthdays, but most recently 504 00:22:42,560 --> 00:22:45,520 Speaker 2: one of my very good friends, we do like to 505 00:22:45,560 --> 00:22:48,120 Speaker 2: make things for each other. So either it's like a 506 00:22:48,160 --> 00:22:51,560 Speaker 2: picture of a magnet of me and her, Like a 507 00:22:51,560 --> 00:22:54,560 Speaker 2: magnet is kind of cute, it's like silly, it's cute whatever, 508 00:22:54,640 --> 00:22:56,919 Speaker 2: but not silly. That's actually a good present. That's kind 509 00:22:56,920 --> 00:22:59,400 Speaker 2: of cute. Put that on the list. Christmas magnet convenient 510 00:22:59,440 --> 00:23:01,560 Speaker 2: you chuck it on your electricity bill or whatever. But 511 00:23:01,800 --> 00:23:03,800 Speaker 2: that's not the one I was talking about. Every time 512 00:23:03,840 --> 00:23:05,440 Speaker 2: you think of your bill, you think of your friend. 513 00:23:05,480 --> 00:23:08,600 Speaker 2: Is exactly and then you creates association and so that 514 00:23:08,640 --> 00:23:13,600 Speaker 2: friend now gives you anxiety. That is so ic I 515 00:23:13,720 --> 00:23:17,560 Speaker 2: love it. So that's selling it. Yes, and you don't 516 00:23:17,640 --> 00:23:19,640 Speaker 2: talk to that friend anymore. Saves your moneycause I find 517 00:23:19,640 --> 00:23:22,080 Speaker 2: them present. No, But what I did was I made 518 00:23:22,080 --> 00:23:24,600 Speaker 2: an activity wheel for her. So I went through office 519 00:23:24,600 --> 00:23:28,959 Speaker 2: works and got different colored cardboards those little like pushpin things, 520 00:23:29,359 --> 00:23:31,959 Speaker 2: and wrote down all the things we like to do together. 521 00:23:32,480 --> 00:23:35,760 Speaker 2: And so if we're just at home doing nothing and 522 00:23:35,800 --> 00:23:38,320 Speaker 2: we feel like we want to get out of the house, 523 00:23:38,840 --> 00:23:41,320 Speaker 2: or you're in a relationship with this friend, basically we're 524 00:23:41,320 --> 00:23:44,080 Speaker 2: in a relationship. You can do that for relationships as well, 525 00:23:44,080 --> 00:23:47,439 Speaker 2: like a date wheel, pop date ideas on popsticks and 526 00:23:47,480 --> 00:23:49,960 Speaker 2: put them in like a little that's cute. A friend 527 00:23:49,960 --> 00:23:51,240 Speaker 2: gave me that idea. I don't want to take credit, 528 00:23:51,240 --> 00:23:53,080 Speaker 2: but take the credit. I might take the credit with 529 00:23:53,119 --> 00:23:54,879 Speaker 2: me on this show. Baby, that's true, she's not in 530 00:23:54,920 --> 00:23:57,320 Speaker 2: here with me. And then the other thing was me 531 00:23:57,359 --> 00:23:58,920 Speaker 2: and my family will kind of do this thing where 532 00:23:58,960 --> 00:24:02,680 Speaker 2: we'll just bite other novelty gifts nothing over like five dollars. 533 00:24:02,800 --> 00:24:04,560 Speaker 2: And I know, like I don't want to add to 534 00:24:04,880 --> 00:24:07,959 Speaker 2: any like junker consumption, your consumption and stuff. So it's 535 00:24:08,000 --> 00:24:09,919 Speaker 2: always like just one or two little things that they 536 00:24:09,960 --> 00:24:12,960 Speaker 2: will use forever. Always novelty gifts, things that you'll want 537 00:24:12,960 --> 00:24:15,639 Speaker 2: to put on your desk in the office, that you 538 00:24:15,800 --> 00:24:17,800 Speaker 2: just fiddle with, like little things like that. Nothing over 539 00:24:17,840 --> 00:24:21,160 Speaker 2: five dollars is what we do. And then Secret standard, 540 00:24:21,320 --> 00:24:24,639 Speaker 2: everyone buys one gift and that's it and everyone is 541 00:24:24,720 --> 00:24:27,600 Speaker 2: gifted a gift. Does that make sense? Yeah? No, no, no, 542 00:24:27,680 --> 00:24:29,000 Speaker 2: I like that. So you don't have to buy for 543 00:24:29,080 --> 00:24:31,280 Speaker 2: everyone wanting to be a game as well, it's a game. 544 00:24:31,359 --> 00:24:34,399 Speaker 2: It's silly, it's fun, it's really exciting. You just have 545 00:24:34,480 --> 00:24:37,480 Speaker 2: to put out, like maybe whatever the budget is, let's 546 00:24:37,480 --> 00:24:40,280 Speaker 2: say two set the budget at anything, anything, let's say 547 00:24:40,280 --> 00:24:43,359 Speaker 2: twenty dollars. You just buy the one gift. Everyone's taken 548 00:24:43,400 --> 00:24:46,840 Speaker 2: care of. I think that's probably the way I do 549 00:24:46,920 --> 00:24:48,520 Speaker 2: it with most people in my life. 550 00:24:48,680 --> 00:24:51,480 Speaker 3: I want to be Secret Santa is fantastic. Whenever we 551 00:24:51,600 --> 00:24:54,080 Speaker 3: have done like Secret Center at work or like in 552 00:24:54,119 --> 00:24:56,520 Speaker 3: our friendship group, they'll set a limit, right, they'll be 553 00:24:56,600 --> 00:24:59,000 Speaker 3: like fifteen dollars, and you go, yep, great, I can 554 00:24:59,000 --> 00:25:01,679 Speaker 3: afford fifteen dollars, and so can everybody else. Like in 555 00:25:01,720 --> 00:25:04,119 Speaker 3: that circle, because otherwise you wouldn't have asked them. But 556 00:25:04,160 --> 00:25:06,360 Speaker 3: then you start looking for presents and everything's so much 557 00:25:06,400 --> 00:25:08,760 Speaker 3: more expensive, and I just have this idea in my head. 558 00:25:08,760 --> 00:25:11,360 Speaker 3: I'm like, if it was just thirty dollars, this would 559 00:25:11,400 --> 00:25:13,000 Speaker 3: be so much easier for me. 560 00:25:13,000 --> 00:25:13,480 Speaker 2: Mentally. 561 00:25:13,720 --> 00:25:15,879 Speaker 3: That's a terrible way of thinking, but I think that 562 00:25:16,000 --> 00:25:18,080 Speaker 3: a lot of people will resonate with that. The other 563 00:25:18,119 --> 00:25:20,520 Speaker 3: thing I was going to butt in there and contribute. 564 00:25:20,640 --> 00:25:24,080 Speaker 3: If you haven't listened to our festive episodes before, you 565 00:25:24,160 --> 00:25:27,080 Speaker 3: might not have heard how my family does Christmas. By 566 00:25:27,160 --> 00:25:30,200 Speaker 3: my family, I mean Steve's side of the family. I'm 567 00:25:30,240 --> 00:25:32,200 Speaker 3: trying to implement it in the rest of the family. 568 00:25:32,240 --> 00:25:34,520 Speaker 3: It hasn't gone so well just yet, but we'll get there. 569 00:25:34,960 --> 00:25:37,720 Speaker 3: But Steve's side of family, it's literally my favorite thing 570 00:25:37,760 --> 00:25:40,879 Speaker 3: ever Christmas time. If you're gifting people, it has to 571 00:25:40,920 --> 00:25:44,800 Speaker 3: be handmade, homemade or second hand. So we are not 572 00:25:44,920 --> 00:25:47,280 Speaker 3: allowed to go to the shops and buy something new. 573 00:25:47,480 --> 00:25:50,240 Speaker 3: You have to handmake it yourself. It has to be homemade. 574 00:25:50,240 --> 00:25:52,160 Speaker 3: It could be homemade by someone else, like you could 575 00:25:52,160 --> 00:25:54,919 Speaker 3: buy something from a small business and like gift that 576 00:25:55,040 --> 00:25:57,720 Speaker 3: and that's okay. One year I got this really beautiful, 577 00:25:57,720 --> 00:26:00,320 Speaker 3: like raffia bag that was like handmade, and I was 578 00:26:00,359 --> 00:26:03,240 Speaker 3: just like, this is a Slay gift or it can 579 00:26:03,280 --> 00:26:04,120 Speaker 3: be secondhand. 580 00:26:04,520 --> 00:26:06,320 Speaker 2: And so, like you guys have probably. 581 00:26:06,080 --> 00:26:09,000 Speaker 3: All heard it if you've listened to our Christmas episodes before. 582 00:26:09,280 --> 00:26:12,000 Speaker 3: But a couple of years ago, I was buying for 583 00:26:12,080 --> 00:26:13,000 Speaker 3: my niece and nephew. 584 00:26:13,200 --> 00:26:14,679 Speaker 2: I was so excited. I was like, what are we 585 00:26:14,680 --> 00:26:15,520 Speaker 2: going to get them? 586 00:26:15,720 --> 00:26:18,200 Speaker 3: I knew they were getting a cubby for Christmas that year, 587 00:26:18,720 --> 00:26:20,639 Speaker 3: and so I thought, what if we just go on 588 00:26:20,640 --> 00:26:24,440 Speaker 3: like Facebook, Marketplace or gum Tree or whatever and find 589 00:26:24,560 --> 00:26:27,639 Speaker 3: like one of those play kitchens, and so for I 590 00:26:27,640 --> 00:26:29,879 Speaker 3: think it was like fifty bucks, right, so still like 591 00:26:29,960 --> 00:26:33,159 Speaker 3: not the cheapest ever, but fifty dollars through a joint present, 592 00:26:33,200 --> 00:26:35,840 Speaker 3: I thought was pretty good. Sure, I went over to 593 00:26:36,119 --> 00:26:38,159 Speaker 3: I think it was like Fitzroy or something, some dude's 594 00:26:38,160 --> 00:26:42,440 Speaker 3: bougie penthouse apartment, and I bought this play kitchen and 595 00:26:42,920 --> 00:26:45,679 Speaker 3: it was really well looked after. But he threw in 596 00:26:45,720 --> 00:26:48,639 Speaker 3: all of the accessories, so the cups, the plates, the balls, 597 00:26:48,680 --> 00:26:51,240 Speaker 3: the little plastic fruits, all of the stuff that would 598 00:26:51,240 --> 00:26:53,560 Speaker 3: have really added up and cost a heap of money 599 00:26:53,560 --> 00:26:56,720 Speaker 3: to buy fifty bucks money win. That would have been 600 00:26:56,760 --> 00:27:00,160 Speaker 3: at least three years ago back. They still use it. 601 00:27:00,160 --> 00:27:03,359 Speaker 3: It is still in their little cubby house. And now 602 00:27:03,520 --> 00:27:05,679 Speaker 3: whenever I go up to the window of the cubby house, 603 00:27:06,359 --> 00:27:07,280 Speaker 3: my niece looks out and. 604 00:27:07,240 --> 00:27:12,600 Speaker 2: Goes, oh late, yes please, and a plastic banana that 605 00:27:12,760 --> 00:27:14,280 Speaker 2: is so cute yuh. 606 00:27:14,280 --> 00:27:17,399 Speaker 3: Anyway, aana secondhand could be a really good way of 607 00:27:17,440 --> 00:27:19,879 Speaker 3: doing Christmas this year because you could get a present 608 00:27:19,920 --> 00:27:21,840 Speaker 3: that you otherwise wouldn't have been able. 609 00:27:21,640 --> 00:27:22,800 Speaker 2: To afford to purchase. 610 00:27:22,920 --> 00:27:25,040 Speaker 3: Yeah, I love that, like because that would have honestly, 611 00:27:25,160 --> 00:27:26,439 Speaker 3: after you add it all up, that would have been 612 00:27:26,440 --> 00:27:29,080 Speaker 3: a couple of one hundred dollars at least just for 613 00:27:29,119 --> 00:27:32,000 Speaker 3: the kitchen, and then all of the additional accessories, like 614 00:27:32,359 --> 00:27:35,119 Speaker 3: it was only just like IKEA stuff Like it wasn't 615 00:27:35,160 --> 00:27:40,320 Speaker 3: you know, fancy fancy hottery barn stuff, but the little pots, 616 00:27:40,400 --> 00:27:42,880 Speaker 3: the little plates, all of the stuff so they could 617 00:27:42,880 --> 00:27:43,480 Speaker 3: play house. 618 00:27:44,040 --> 00:27:45,840 Speaker 2: What a good gift. That's a great gift. And the 619 00:27:45,880 --> 00:27:48,439 Speaker 2: kids don't know any different. It's going out in the cubby. 620 00:27:48,960 --> 00:27:50,080 Speaker 2: I love that it was all clean. 621 00:27:50,080 --> 00:27:52,440 Speaker 4: I chucked all of the plastic wear through the dishwasher 622 00:27:52,480 --> 00:27:53,960 Speaker 4: before I gave it to them, and I gave the 623 00:27:54,040 --> 00:27:56,359 Speaker 4: kitchen a good scrub out because obviously like that just 624 00:27:56,400 --> 00:27:57,520 Speaker 4: feels like the right thing to do. 625 00:27:58,040 --> 00:28:01,919 Speaker 2: But slay, I love that and rich reuse, recycle, they say, so, 626 00:28:02,000 --> 00:28:04,960 Speaker 2: I love it. I love this idav I think it's great. 627 00:28:04,960 --> 00:28:08,360 Speaker 3: And I don't think anyone would genuinely be offended if 628 00:28:08,400 --> 00:28:10,120 Speaker 3: you bought them something secondhand. 629 00:28:10,320 --> 00:28:12,040 Speaker 2: It's twenty two three. I think people would be like, 630 00:28:12,080 --> 00:28:13,920 Speaker 2: oh my god, thank you for thinking of me. Yeah, 631 00:28:13,960 --> 00:28:15,320 Speaker 2: think you thinking of me and the planet. 632 00:28:15,440 --> 00:28:18,280 Speaker 3: It's actually so much nicer that you put so much time, 633 00:28:18,400 --> 00:28:20,800 Speaker 3: energy and effort into sourcing this instead of just marching 634 00:28:20,840 --> 00:28:23,280 Speaker 3: into your cam up, purchasing it off the shelf and calling. 635 00:28:23,080 --> 00:28:25,120 Speaker 2: It to day. I don't know, I like it better. Yeah, 636 00:28:25,160 --> 00:28:26,679 Speaker 2: I love that. That's such a good point. B It 637 00:28:26,680 --> 00:28:28,480 Speaker 2: does feel more thoughtful than quickly go in the shops 638 00:28:28,520 --> 00:28:32,560 Speaker 2: and dropping like fifty bucks. Exactly. Thank you so much 639 00:28:32,560 --> 00:28:34,560 Speaker 2: for helping us save this Christmas. I did want to 640 00:28:34,560 --> 00:28:36,600 Speaker 2: go rogue there and say that Christmas time that's not 641 00:28:36,640 --> 00:28:38,880 Speaker 2: always spent with family and friends. You might be someone 642 00:28:38,960 --> 00:28:42,040 Speaker 2: that doesn't have that. We're thinking of you in this time, 643 00:28:42,160 --> 00:28:44,800 Speaker 2: your family. We are your family and friends, So stay 644 00:28:44,840 --> 00:28:50,560 Speaker 2: safe out there. We love you. We love you, Bye, guys. 645 00:28:51,600 --> 00:28:54,240 Speaker 4: The advice shared on She's on the Money is generally 646 00:28:54,400 --> 00:28:57,480 Speaker 4: nature and does not consider your individual circumstances. 647 00:28:57,800 --> 00:28:59,840 Speaker 2: She's on the Money exists purely for. 648 00:29:00,040 --> 00:29:02,840 Speaker 4: Occasional purposes and should not be relied upon to make 649 00:29:02,880 --> 00:29:04,760 Speaker 4: an investment or financial decision. 650 00:29:05,160 --> 00:29:07,760 Speaker 2: If you do choose to buy a financial product. 651 00:29:07,440 --> 00:29:11,280 Speaker 4: Read the PDS TMD and obtain appropriate financial advice. 652 00:29:11,000 --> 00:29:12,360 Speaker 2: Tailored towards your needs. 653 00:29:12,680 --> 00:29:16,640 Speaker 4: Victoria Divine and Sheese on the Money are authorized representatives 654 00:29:16,680 --> 00:29:19,520 Speaker 4: of Money sherper p t y lt D a BN 655 00:29:19,680 --> 00:29:22,440 Speaker 4: three two one IS six four nine two seven seven 656 00:29:22,560 --> 00:29:29,000 Speaker 4: zero eight AFSL four five one two eight nine