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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka Nian our gay

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Speaker 1: in Mbina yakarum jar Dominyama, Domaga Ithawakawaman, damon Imlan Bumba

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Speaker 1: ban Gadabomba in and now in wakah ghana on yak

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Speaker 1: raum jar Watnadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect

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Speaker 1: the Aberiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money. Hello and

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Speaker 2: welcome to She's on the Money, the podcast that's here

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Speaker 2: to help you live your best life without blowing the budget.

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Speaker 2: I'm excited and if you're like me, living your best

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Speaker 2: life definitely includes travel ideally, but let's be honest.

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Speaker 3: We just got back from Thailand, so clearly.

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Speaker 2: Yeah, holidays can get very expensive. Very quickly they can.

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Speaker 2: So today I'm joined as always by our go to

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Speaker 2: for all things finance, Victoria Devine, to figure out how

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Speaker 2: we can see the world without draining our bank accounts.

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Speaker 3: I mean you could also drain your bank account, no judgment,

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Speaker 3: you could, Yeah, I just I don't know. Like what

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Speaker 3: you do with your money is actually none of my business.

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Speaker 3: My job is to give you all the tools on

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Speaker 3: me sources so that you can make a decision that's

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Speaker 3: right for you. And if draining your bank account is

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Speaker 3: in line with your valleys pop off queen. Absolutely ideally

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Speaker 3: you've got some money to come home to, because I

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Speaker 3: love a bit of financial stability. Oh, I just think

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Speaker 3: that that is the responsible thing. And sometimes I think

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Speaker 3: we need to put our big girl socks on and

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Speaker 3: get our emergency fund set up because.

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Speaker 2: You know what our future, you deserves that. Yeah, that's

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Speaker 2: so true.

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Speaker 3: Like you just feel so much more financially secure when

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Speaker 3: you've got some cash in the bank.

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Speaker 2: It feels so good. I've right never really been in

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Speaker 2: that position except for when I like, oh, I'll go

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Speaker 2: to fel thousand dollars in your shares is Yeah, it

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Speaker 2: feels good. It really feels good. So I feel like

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Speaker 2: we could all do it.

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Speaker 3: And we get so many messages from our community, especially

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Speaker 3: our younger members, asking r V is like travel a

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Speaker 3: really bad money goal. No, experiencely, please, memory please? Like

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Speaker 3: any goal that's in line with your values is a

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Speaker 3: good goal. Yes, And the research is pretty clear that

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Speaker 3: spending on experiences actually makes us happier than spending on things.

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Speaker 3: So I reckon, that's that's good enough for me. I'm

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Speaker 3: going to go back to Bali. So it's not about

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Speaker 3: skipping travel. I think it's actually just about being smart

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Speaker 3: with it. Like I just don't want to see you

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Speaker 3: in thirty thousand dollars worth of personal debt and then

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Speaker 3: going but I.

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Speaker 2: Deserve a holiday.

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Speaker 3: I'm so sorry, grow up, Like we've got to get together, beck, Yeah,

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Speaker 3: because you deserve more than that, Like future you needs

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Speaker 3: financial security, but also future you deserves to go to Bali.

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Speaker 3: Future you deserves to see the world, and you can't

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Speaker 3: put yourself in that position if you keep making decisions

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Speaker 3: that put you backwards.

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Speaker 2: Yeah.

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Speaker 3: So he's travel bad. No, but like let's be smart. Yeah,

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Speaker 3: and we can show you how to do that, which

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Speaker 3: is why today is all about sharing travel savings hacks

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Speaker 3: and tips and tricks that aren't the same boring tips

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Speaker 3: that you've heard one hundred million times. I would say,

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Speaker 3: because we've put this episode together, Beck, together together, these

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Speaker 3: are clever, lesser known ones that actually save you some

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Speaker 3: real cash.

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Speaker 2: Good. I am half excited.

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Speaker 3: But before we get into it, Beck, I want to know,

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Speaker 3: do you have a bucket list trip that you want

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Speaker 3: to go on?

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Speaker 2: They're so sweet, Vitty, I think I really want to

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Speaker 2: see the Aurora borealists.

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Speaker 3: Oh my god, me too.

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Speaker 2: Something about lights bright lights really exciting?

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Speaker 3: Yeah, hundred percent. But did you know you can see

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Speaker 3: that in Tasmania? Really?

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Speaker 4: Yeah?

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Speaker 3: I mean not the same one, but like, oh yeah,

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Speaker 3: yeah you can see la Oh my god, because I've

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Speaker 3: heard that. Like, my best friend Harriet lives in Hobart.

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Speaker 3: Sorry Harriet for just like outing where you live. But

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Speaker 3: she has sent me photos from her back deck before

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Speaker 3: of her experience and you can see it with the

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Speaker 3: naked eye. Yeah, because Tasmania doesn't have as much light

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Speaker 3: pollution as what you do it.

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Speaker 4: Oh my god.

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Speaker 2: Okay, well cool sounds.

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Speaker 3: Like it sounds a bit cheaper, but I'm not trying

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Speaker 3: to be cheaper. But let's go on the big boushie

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Speaker 3: holiday because one day I have in my head that

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Speaker 3: I really want to go to like a Bora Bora.

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Speaker 4: Yeah.

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Speaker 3: And don't get me wrong, I've been on some nice holidays,

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Speaker 3: but I cannot in my head justify like a three

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Speaker 3: thousand dollars a night overwater villa thing. No, but one day,

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Speaker 3: one day, maybe when I like get enough Virgin points

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Speaker 3: or something, I will be able to go. I believe,

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Speaker 3: I just go. Imagine being in a villa that's over

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Speaker 3: water and you like look through the floor and there's fishies.

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Speaker 2: That's so cooler. That would be really amazing.

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Speaker 3: Imagine having breakfast. Oh anyway, sorry, that's where I would

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Speaker 3: like to go. God, And I don't know, there's probably

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Speaker 3: a million other places, because I do really like travel,

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Speaker 3: but like I've just kind of stepped a little bit

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Speaker 3: out of my travel era. I would say, because I

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Speaker 3: have a toddler, Yeah, I would say, limits, your choice

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Speaker 3: is a little bit, a little bit tricky. In fact,

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Speaker 3: my last holiday beck was actually based around finding a

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Speaker 3: family friendly resort, and I.

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Speaker 2: Was like, oh my god, this has like so many

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Speaker 2: kids pools.

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Speaker 3: Brilliant. The next thing I looked at was like, oh

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Speaker 3: my god, this resort I went to in Bali.

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Speaker 2: It has a petting zoo. Oh that's so cute.

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Speaker 3: Whereas I would say that past me if I was

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Speaker 3: going on like an international lag, you know, I would

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Speaker 3: say beachy holiday, I'm thinking, oh, private villa, private pool.

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Speaker 3: Now I've got a toddler. I was like, private pool

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Speaker 3: and Bali there's no pool fencing, absolutely no scary. Your

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Speaker 3: life changes a little bit, but that doesn't mean that

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Speaker 3: travels off the cards.

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Speaker 2: Beck absolutely, So what's your first tip?

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Speaker 4: All right?

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Speaker 3: So you're not going to like this because you're a

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Speaker 3: chat GPT like not fan, but if I could convince

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Speaker 3: you to save some money, I reckon you could get

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Speaker 3: on board. So we're going to actually turn to chat

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Speaker 3: GPT and be like, hey girl, yeah, can you pretend

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Speaker 3: to be my travel agent? Got you?

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Speaker 2: Okay?

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Speaker 3: And you're going to make her role play in not

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Speaker 3: a weird way. You're going to make her role play

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Speaker 3: as a travel agent. Now I know that that's probably

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Speaker 3: not very groundbreaking. You're like that, you promise good tips,

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Speaker 3: and then you said chat GPT, but I wanted to

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Speaker 3: share a few things that you could use it for

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Speaker 3: that you maybe have not used it for before. Because

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Speaker 3: like everyone knows that you could probably use chat chpt

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Speaker 3: right right, But you could ask it to find the

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Speaker 3: cheapest time to go somewhere. So you could say something like, hey,

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Speaker 3: find me the shoulder season windows for BALI that dodge

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Speaker 3: Australian school holidays, and then all of the major events,

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Speaker 3: like I would really want three days in a row

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Speaker 3: where the like flights drop the weather's really good, and

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Speaker 3: then add a sentence of why for each window. So, like,

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Speaker 3: I think something that people don't realize about chat GPT,

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Speaker 3: or you haven't used it as a incessantly as I have,

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Speaker 3: is that you can be as specific as you want,

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Speaker 3: and like, if you're not getting the answers you want,

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Speaker 3: you can like clarify okay. You could be like, oh no,

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Speaker 3: I don't like that window because it actually clashes with

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Speaker 3: my husband's birthday and we're doing something else, and then

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Speaker 3: it will like regenerate again. So you can ask it

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Speaker 3: a million questions. I'm still in a phase where I

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Speaker 3: say please and thank you. You probably don't need to,

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Speaker 3: but I feel like I don't know, I'll be polite

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Speaker 3: one day if my like chat GBT search history like

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Speaker 3: gets leaked. At least you guys are going to go

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Speaker 3: through and be like, well, you know what, Victoria was

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Speaker 3: really polite when asking that six million times, you know,

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Speaker 3: or you could find the most cost effective like airline

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Speaker 3: or flight for you, so you could compare infant and

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Speaker 3: childfair rules across like Quantas and Singapore airlines and Emirates

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Speaker 3: if you're planning on going to Italy or something. So

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Speaker 3: I want really stick totals for a family of four

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Speaker 3: with one infant who sits on my lap and a

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Speaker 3: kid aged seven and one sure, because money win, beck

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Speaker 3: And I think some people know this, but not all

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Speaker 3: people know this.

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Speaker 2: Kids under two.

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Speaker 3: Usually fly free.

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Speaker 2: Oh my gosh.

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Speaker 3: So like our flight to Bali, we paid for our

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Speaker 3: tickets or you know, actually got tickets on points, but

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Speaker 3: like we didn't have to pay for Harvey because he

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Speaker 3: actually sits on one of our laps.

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Speaker 2: Oh that's so good.

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Speaker 3: Money win. The second he turns to though, we're gonna

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Speaker 3: have to pay for him. And honestly, I'm not gonna lie.

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Speaker 3: And my son is quite big, Like I don't share

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Speaker 3: a lot about him, but like I would say that

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Speaker 3: when people meet him, they often say, oh my god,

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Speaker 3: like he's much bigger than I thought he would be

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Speaker 3: because he's just this is a big boy doing big Oh.

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Speaker 2: My god, it's so cute.

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Speaker 3: He's busy boy. It was a lot to have him

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Speaker 3: on my lap. So I don't know how long that

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Speaker 3: is going to go. But you can also compare like

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Speaker 3: baggage rules or like those stroller rules, and like seat

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Speaker 3: selection fees, so you can see the actual true cost

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Speaker 3: because how many times have you gone to book a

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Speaker 3: flight and then you're like, oh, one hundred and twenty

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Speaker 3: nine dollars to Sydney like money win, and then it's

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Speaker 3: like plus tax, plus baggage plus these that, and then

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Speaker 3: they ask you to make a contribution to charity and you're.

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Speaker 2: Like, right now, I just don't have the money.

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Speaker 3: I don't understand. But you can even get it to

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Speaker 3: like dig up cheaper roots or like flag budget airlines

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Speaker 3: that don't show up on the usual comparison website. So

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Speaker 3: if you go to webjet, they only like rank the

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Speaker 3: places that pay them to be on Webjet.

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Speaker 2: Got you okay?

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Speaker 3: So you can compare even more using chat GPT, And

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Speaker 3: if you're not sure what to ask ask chat GPT,

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Speaker 3: be like, hey, I don't know how to really use

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Speaker 3: you what are the questions I should ask because I

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Speaker 3: want to book a budget holiday.

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Speaker 2: I'll tell you, Oh my god, Okay, that's great.

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Speaker 3: I think that my favorite thing at the moment is

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Speaker 3: you can just ask, like you can just ask and

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Speaker 3: just ask. It doesn't make you feel stupid.

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Speaker 2: No, okai, Well outside of chat GPT, if you happen

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Speaker 2: to have are there any other Yes?

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Speaker 3: There are. I'm sorry that you hate CHATTA. So these men,

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Speaker 3: I feel like you're doing a dodgy, but it's completely legal.

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Speaker 3: You're going to change your point of sale country. Okay, okay,

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Speaker 3: change your point of sale country. Yeah. So airlines don't

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Speaker 3: just like price flights because of the distance. They actually

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Speaker 3: price them by where you buy. And this is where

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Speaker 3: you could use your VPN very well. Okay, So sometimes

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Speaker 3: the exact seat costs literally hundreds of dollars less if

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Speaker 3: you book it on the airlines destination country website in

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Speaker 3: their local currency.

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Speaker 2: Oh my godd.

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Speaker 3: For example, I did a little bit of research because

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Speaker 3: I was like, all right, I need to give you

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Speaker 3: guys a good example of this. A Tokyo flight can

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Speaker 3: be a lot cheaper on the Japan version of the

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Speaker 3: airline website than the Australian one.

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Speaker 2: Oh my gosh.

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Speaker 3: They kind of like, oh, well, the Japanese obviously going

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Speaker 3: to fly home to Tokyo, and that's not as interesting

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Speaker 3: as someone from Australia coming on a holiday.

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Speaker 2: Are you allowed to like trans what's the word I'm

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Speaker 2: thinking of, like translate translate in English, it won't pick

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Speaker 2: up that you're.

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Speaker 3: No, but you can just put it into English and

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Speaker 3: say that you're in Japan while you're booking hairt put

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Speaker 3: your VPN there. Oh my god. And so I saw

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Speaker 3: someone online say because I looked it up, but I

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Speaker 3: saw someone online say that she and her husband flew

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Speaker 3: to Italy for seven hundred and fifty dollars return whoa

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Speaker 3: from la versus fifteen hundred dollars using this hack in

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Speaker 3: our Facebook group? Really yep, money win. So to do this,

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Speaker 3: obviously you have to make sure that you only use

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Speaker 3: like the official website, like don't just go on random

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Speaker 3: Japanese websites because like that could be like sketchy, like

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Speaker 3: no sketchy third party links. And then what we want

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Speaker 3: to do is reject pop ups like no pop ups allowed,

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Speaker 3: like you know when it pops up, so reject pop

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Speaker 3: ups that change into your own currency and then pay

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Speaker 3: with a card that doesn't have foreign exchange fees because

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Speaker 3: you don't want to get slapped with that. And then

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Speaker 3: always double check the fair rules and the baggage because

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Speaker 3: it can actually differ from market to market everything. It's

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Speaker 3: it's so annoying with airlines, but like they might have

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Speaker 3: a limit on luggage, whereas you know you get twenty

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Speaker 3: three kilos if you book from Australia.

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Speaker 2: Sure, so you just want to be careful, right, that

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Speaker 2: is so clever.

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Speaker 3: I did not know there was a thing pretange you

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Speaker 3: somewhere else.

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Speaker 2: That's so good.

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Speaker 3: Check and I mean I'm going back to chat GPT,

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Speaker 3: but you could ask them what the best fare would be.

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Speaker 3: Do I book from Japan or do I book from here?

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Speaker 2: WHOA, Okay, they won't do the hard.

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Speaker 3: Work for you.

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Speaker 2: I'm scared that, like, because you know sometimes I mean,

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Speaker 2: he I don't know if this is true or not.

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Speaker 2: But if you google a flight and then you google

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Speaker 2: it again, yeah.

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Speaker 3: That's another tipic clear cookies. But I feel like people

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Speaker 3: know that. That's why I haven't put it in as

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Speaker 3: a But if you ask your chat gypt does.

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Speaker 2: That, maybe the internet will know. I don't know how

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Speaker 2: deep it goes.

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Speaker 3: But I also always make sure that when I'm looking

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Speaker 3: up flights or like accommodation, I do it in like

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Speaker 3: an incognito brows emotely, and I like clear my cookies

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Speaker 3: because I don't want there to be a history of

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Speaker 3: me having looked it up, because it does increase They're

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Speaker 3: so sneaky. I mean, it's good for them to make

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Speaker 3: more money because they're like, oh, well, if Beck looked

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Speaker 3: at that right now and then didn't buy it, and

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Speaker 3: then she comes back, she'd be happy to pay another

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Speaker 3: fifty bucks, that'll be fine.

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Speaker 2: Because they're rude, bere I'm not paying the cheaper price.

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Speaker 2: Why am I paying the more expensive price? Time to

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Speaker 2: think about it, ill, I don't like it anyway, So Vid,

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Speaker 2: I'm just like skimming over the page that we're that's

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Speaker 2: kind of guiding us. And goldilocks window is on here. Yeah,

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Speaker 2: and it's not too hot, it's not too cold, it's

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Speaker 2: just right ah on the window.

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Speaker 3: Se No, it's not got anything to do with that.

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Speaker 3: But that was a good example. Maybe it's fantastic, But

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Speaker 3: there's also something called a Goldilocks window for buying flights,

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Speaker 3: So too early you are paying full fare, like you're

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Speaker 3: booking like a year and a half in advance. They're

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Speaker 3: going to be like, she's prepared, We're not going to

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Speaker 3: give her any discounts.

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Speaker 2: We don't care.

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Speaker 3: Too late, and you pay surge pricing, okay, because you

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Speaker 3: know they're like, she's desperate to get to Sydney or

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Speaker 3: she's desperate to get to Italy tomorrow, We're going to

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Speaker 3: charge her through the nose because.

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Speaker 2: What else is she going to do?

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Speaker 3: Yeah, okay, So taking some time to research this window

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Speaker 3: for your flight to kind of hit the sweet spot

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Speaker 3: in between could save you some serious cash. Right, And

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Speaker 3: this is where I'll say that your friend chut GPT

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Speaker 3: could probably tell you Sure, every destination is going to

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Speaker 3: be really different because like some places, if it's like

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Speaker 3: a domestic flight, maybe they're like, whatever, we don't care,

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Speaker 3: we don't need to charge them through the nose. But

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Speaker 3: then like a big dog flight to like New York

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Speaker 3: or something last minute, they might go, Nah, if you

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Speaker 3: need to get to New York last minute, we're going

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Speaker 3: to take the mickey. I see, you know what I mean.

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Speaker 2: So mean, so we've just got to.

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Speaker 3: Keep an eye on it.

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Speaker 2: Sure, sure, Sure that is so because I imagine if

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Speaker 2: you're desperately trying to get overseas, it's maybe because like

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Speaker 2: a family member is seeing something but they don't give

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Speaker 2: a dan. They're like, great, this is more money for

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Speaker 2: us eastally sickening. Anyways, story for another time. But what

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Speaker 2: about accommodation?

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Speaker 3: Okay, so this is a good one. This is going

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Speaker 3: to be rude. So if you're a hotel company and

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Speaker 3: you were like, oh, I really want to wear Crusche's

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00:14:55,240 --> 00:14:56,920
Speaker 3: on the money, maybe you don't anymore because I'm going

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00:14:57,000 --> 00:15:00,040
Speaker 3: to tell you that you can rebook your accommodation and

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Speaker 3: when the prices drop.

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00:15:01,320 --> 00:15:02,320
Speaker 2: Okay, okay, okay.

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00:15:02,520 --> 00:15:05,720
Speaker 3: So hotel prices often move around all the time, even

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Speaker 3: after you've booked, so we're always looking. So if you've

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Speaker 3: booked a hotel, let's pretend it's like in New York,

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Speaker 3: like just keep checking every couple of weeks, like what

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Speaker 3: the price per night on that hotel is. Because if

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Speaker 3: you've chosen the flexible rate, meaning that there's like free cancelations,

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Speaker 3: you can actually cancel and then rebook for the lower rate.

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Speaker 3: Yeah yeah, and I think that that will save you

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Speaker 3: some money. And there's apps like Provo so pro Vo

348
00:15:29,560 --> 00:15:33,200
Speaker 3: pr Uvo YEP and rate punk, and these two apps

349
00:15:33,320 --> 00:15:36,400
Speaker 3: actually will check your exact hotel and your room for

350
00:15:36,560 --> 00:15:39,760
Speaker 3: you and keep you up to date with that. So basically,

351
00:15:40,160 --> 00:15:43,240
Speaker 3: when you're booking, don't be like, oh, I'm gonna not

352
00:15:43,400 --> 00:15:45,160
Speaker 3: do the flexible rate because this won't work for you.

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Speaker 3: But you book with the flexible rate, then if you

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00:15:48,120 --> 00:15:49,640
Speaker 3: were going to use one of these apps, you would

355
00:15:49,680 --> 00:15:53,800
Speaker 3: forward your confirmation email to Provo or install rate Punk's

356
00:15:53,840 --> 00:15:56,840
Speaker 3: browser extension, which is my preferred method because it's like

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00:15:57,200 --> 00:15:59,200
Speaker 3: in how you have like a shop back extension or

358
00:15:59,280 --> 00:16:02,400
Speaker 3: whatever like that, and then the tool watches that same

359
00:16:02,520 --> 00:16:05,360
Speaker 3: room type and the same date range on multiple different

360
00:16:05,400 --> 00:16:08,200
Speaker 3: websites for you, and then if the price falls, they're like.

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Speaker 2: Hey, Beck, did you realize that like your hotel's cheaper today?

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00:16:11,360 --> 00:16:12,000
Speaker 2: Oh my god.

363
00:16:12,160 --> 00:16:14,000
Speaker 3: Yeah, And then you cancel your old booking and then

364
00:16:14,040 --> 00:16:15,680
Speaker 3: rebook the exact same room for less money.

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00:16:15,960 --> 00:16:16,720
Speaker 2: Oh my god.

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00:16:16,800 --> 00:16:19,680
Speaker 3: That is so clever, right, And the catch is you

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00:16:19,760 --> 00:16:22,280
Speaker 3: do have to book the flexible rate, so often you'll

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00:16:22,320 --> 00:16:25,600
Speaker 3: find that it's like ten or twenty dollars more personally

369
00:16:26,080 --> 00:16:28,760
Speaker 3: to do that, but it can actually save you hundreds

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00:16:28,760 --> 00:16:31,640
Speaker 3: of dollars without changing your trip at all, and that

371
00:16:31,840 --> 00:16:34,520
Speaker 3: can be I don't know. I'm one for flexibility. You

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00:16:34,600 --> 00:16:37,000
Speaker 3: never know what's going to happen. So and that's a

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Speaker 3: good deal.

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00:16:37,760 --> 00:16:41,720
Speaker 2: That is so clever. So what else have you got?

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00:16:41,800 --> 00:16:45,960
Speaker 3: All right? So the best rate guarantee? We are taking

376
00:16:46,000 --> 00:16:49,360
Speaker 3: advantage of this. And I'm not saying taking advantage as

377
00:16:49,360 --> 00:16:51,200
Speaker 3: seeing we're going to take the mickey, but we're going

378
00:16:51,280 --> 00:16:54,000
Speaker 3: to use the best rate guarantee if it's being offered.

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00:16:54,320 --> 00:16:57,720
Speaker 3: So most big chains, so think like Hilton Hotels or

380
00:16:57,760 --> 00:17:01,040
Speaker 3: the Marriott, or like I don't know, the Whole or SOFTOTL,

381
00:17:01,280 --> 00:17:05,280
Speaker 3: they often run what's called a best rate guarantee. So

382
00:17:05,440 --> 00:17:07,600
Speaker 3: like that sounds good, but most of us don't deep

383
00:17:07,680 --> 00:17:10,040
Speaker 3: dive into what that actually means. But that means if

384
00:17:10,080 --> 00:17:12,840
Speaker 3: you book direct on their personal website, so not through

385
00:17:13,000 --> 00:17:17,160
Speaker 3: like a third party platform, then find the room cheaper

386
00:17:17,240 --> 00:17:20,119
Speaker 3: somewhere else, which you might so like you might go

387
00:17:20,240 --> 00:17:23,040
Speaker 3: on like a God or like I don't know, Last

388
00:17:23,080 --> 00:17:26,200
Speaker 3: Minute or something dot com, they will not only price match,

389
00:17:26,280 --> 00:17:28,280
Speaker 3: but they'll actually give you an extra twenty to twenty

390
00:17:28,359 --> 00:17:31,480
Speaker 3: five percent off. Oh okay, So I feel like that's

391
00:17:31,520 --> 00:17:35,840
Speaker 3: a good deal. So book direct first on a refundable rate,

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00:17:35,960 --> 00:17:39,040
Speaker 3: so we're doing flex again so that you're safe if

393
00:17:39,359 --> 00:17:42,040
Speaker 3: you know, the claim fails, so you can be like, oh,

394
00:17:42,240 --> 00:17:44,080
Speaker 3: screw you, I'll just cancel my whole thing and go

395
00:17:44,160 --> 00:17:48,040
Speaker 3: through a Goda like whatever. But then find a public

396
00:17:48,119 --> 00:17:51,520
Speaker 3: ota with a lower price, which is like just like

397
00:17:51,600 --> 00:17:54,200
Speaker 3: a third party platform for the same room name, the

398
00:17:54,280 --> 00:17:57,879
Speaker 3: same bed type, the same cancelation terms, and the same currency.

399
00:17:58,560 --> 00:18:01,080
Speaker 3: And then I would be screenshot everything, like with the

400
00:18:01,160 --> 00:18:03,080
Speaker 3: date and the time, so like, don't just screenshot the

401
00:18:03,160 --> 00:18:06,400
Speaker 3: little bit, screenshot your whole computer screen so that it's

402
00:18:06,440 --> 00:18:08,639
Speaker 3: got the room name and like the cancelation type and

403
00:18:08,720 --> 00:18:10,280
Speaker 3: like the time and the date up in the corner

404
00:18:10,359 --> 00:18:14,080
Speaker 3: of your computer and then total price before taxes and fees,

405
00:18:14,240 --> 00:18:15,840
Speaker 3: and then file.

406
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Speaker 2: Within twenty four hours of booking direct, and they.

407
00:18:17,720 --> 00:18:19,080
Speaker 3: All price match it for you.

408
00:18:19,280 --> 00:18:21,240
Speaker 2: Gorgeous. That is so cool.

409
00:18:21,400 --> 00:18:23,080
Speaker 3: I mean to add to that, I want to say,

410
00:18:23,160 --> 00:18:25,800
Speaker 3: I'm a pest. You already know I'm a pest.

411
00:18:26,880 --> 00:18:27,720
Speaker 2: I can't imagine it.

412
00:18:27,920 --> 00:18:30,480
Speaker 3: I'll just call you direct. I'll just call the hotel

413
00:18:30,560 --> 00:18:33,840
Speaker 3: to book. I'm scared, but yes or no, Like the

414
00:18:33,920 --> 00:18:35,440
Speaker 3: girl on the phone's usually really nice.

415
00:18:35,520 --> 00:18:35,680
Speaker 2: Yeah.

416
00:18:35,760 --> 00:18:37,720
Speaker 3: True, they're probably having a slow day on reception and

417
00:18:37,760 --> 00:18:39,520
Speaker 3: then they're like, oh, this annoying girl is calling, and

418
00:18:39,560 --> 00:18:41,480
Speaker 3: I'd be like, hey, like a better rate you can do?

419
00:18:41,880 --> 00:18:43,800
Speaker 2: Usually yes, yeah, that's true.

420
00:18:43,800 --> 00:18:46,159
Speaker 3: Actually usually yes, thank you, thank you.

421
00:18:46,359 --> 00:18:48,520
Speaker 2: Love that. I feel like this is a really good

422
00:18:48,560 --> 00:18:51,200
Speaker 2: time to have a really quick break, a holiday, you

423
00:18:51,280 --> 00:18:54,000
Speaker 2: could say, a holiday, a mini holiday. Imagine if we

424
00:18:54,000 --> 00:18:55,920
Speaker 2: actually came back in like six months, finish the episode.

425
00:18:56,000 --> 00:18:57,520
Speaker 3: Yeah, so don't put it past us.

426
00:18:57,560 --> 00:19:00,840
Speaker 2: So we're gonna could take a quick on the flip side,

427
00:19:00,840 --> 00:19:07,560
Speaker 2: were we get a lot more money saving hacks. Okay, guys,

428
00:19:07,680 --> 00:19:09,600
Speaker 2: we are back. And if you're anything like me, I'm

429
00:19:09,840 --> 00:19:12,720
Speaker 2: literally shaking, gagging at throwing up at the idea of

430
00:19:12,840 --> 00:19:16,280
Speaker 2: more travel hacks. And I feel like you've got a

431
00:19:16,359 --> 00:19:19,000
Speaker 2: few here. You just have to be smart, right, yeah,

432
00:19:19,200 --> 00:19:21,080
Speaker 2: you just got too smart. It's like it's probably a

433
00:19:21,160 --> 00:19:22,000
Speaker 2: tiny bit more admin.

434
00:19:22,119 --> 00:19:25,160
Speaker 3: But imagine happy to do admin if I'm saving money,

435
00:19:25,359 --> 00:19:27,480
Speaker 3: Like I know some people say, oh no, I'm happy

436
00:19:27,520 --> 00:19:30,200
Speaker 3: to pay the premium. I don't know at what point

437
00:19:30,280 --> 00:19:32,359
Speaker 3: I will be happy to pay the premium? No, Like,

438
00:19:32,520 --> 00:19:34,040
Speaker 3: at what point will I be like do you know

439
00:19:34,119 --> 00:19:37,440
Speaker 3: what Victoria like? You're pretty financially comfortable. Stop trying to

440
00:19:37,440 --> 00:19:40,720
Speaker 3: get the best deal. No, I think it's in my blood.

441
00:19:41,000 --> 00:19:42,280
Speaker 3: How do you think she got here? How do you

442
00:19:42,320 --> 00:19:44,879
Speaker 3: think I got here? I'm not leaving anyway. There is

443
00:19:45,000 --> 00:19:48,000
Speaker 3: nothing more frustrating, I think than being charged to use

444
00:19:48,040 --> 00:19:50,320
Speaker 3: your own money when you're on holiday. What do you

445
00:19:50,520 --> 00:19:53,600
Speaker 3: mean I see? And when you're traveling. I think this

446
00:19:53,840 --> 00:19:56,680
Speaker 3: is like a million times worse. So I do have

447
00:19:56,760 --> 00:19:59,960
Speaker 3: a few hacks for this, and the first you're probably

448
00:20:00,280 --> 00:20:02,960
Speaker 3: going to be surprised by this because this is a

449
00:20:03,040 --> 00:20:04,760
Speaker 3: question we get all the time, like do I pay

450
00:20:04,800 --> 00:20:06,720
Speaker 3: in local currency or do I pay in Australian?

451
00:20:07,080 --> 00:20:07,240
Speaker 2: Right?

452
00:20:07,359 --> 00:20:10,480
Speaker 3: Like, what do I do? Always pay in local currency

453
00:20:10,560 --> 00:20:15,440
Speaker 3: and avoid dynamic currency conversion or DCC? Okay, got the

454
00:20:15,560 --> 00:20:19,399
Speaker 3: DCC from the Cowboys Cheerleaders. Just DCC, which is like

455
00:20:19,480 --> 00:20:22,920
Speaker 3: the bad type. But DCC is when a cashier ATM

456
00:20:23,160 --> 00:20:25,440
Speaker 3: or card terminal asks, oh, do you want to pay

457
00:20:25,560 --> 00:20:28,440
Speaker 3: in aud instead of the local currency, and you go,

458
00:20:28,720 --> 00:20:31,560
Speaker 3: oh yes, no we say no, no, no, no, we

459
00:20:31,720 --> 00:20:34,240
Speaker 3: don't want that because it kind of looks helpful to

460
00:20:34,280 --> 00:20:36,800
Speaker 3: see the like you know, you're at checkout in Thailand

461
00:20:36,880 --> 00:20:38,359
Speaker 3: and it's like you want to pay in Australian it's

462
00:20:38,400 --> 00:20:40,080
Speaker 3: like fourteen dollars. You go, oh, well that makes more

463
00:20:40,119 --> 00:20:43,640
Speaker 3: sense to me. Yeah, okay, because it feels safer. It's

464
00:20:43,760 --> 00:20:46,960
Speaker 3: not because the cash rate is the conversion rate set

465
00:20:47,040 --> 00:20:50,000
Speaker 3: by the ATM or the merchant and that's usually much

466
00:20:50,160 --> 00:20:53,119
Speaker 3: worse than the official bank rate or the card network rate.

467
00:20:53,320 --> 00:20:55,920
Speaker 3: They're taking the absolute mickey, and then they often tack

468
00:20:56,040 --> 00:20:58,560
Speaker 3: on some kind of hidden margin. So you come home

469
00:20:58,640 --> 00:21:00,359
Speaker 3: and you're like, where are all these additional fees and

470
00:21:00,440 --> 00:21:04,080
Speaker 3: charges coming from? It's from that, got you? Okay. I

471
00:21:04,280 --> 00:21:08,200
Speaker 3: always always always choose the local currency and your bank

472
00:21:08,320 --> 00:21:10,320
Speaker 3: or your card network, like if you're with Visa or

473
00:21:10,400 --> 00:21:13,320
Speaker 3: master Card will handle the conversion and what I would

474
00:21:13,400 --> 00:21:17,040
Speaker 3: call a much fairer currency, right, that is wild. And

475
00:21:17,160 --> 00:21:20,040
Speaker 3: if you have a card without foreign exchange fees, you're

476
00:21:20,040 --> 00:21:21,639
Speaker 3: going to save even more. And that would be a

477
00:21:21,680 --> 00:21:23,720
Speaker 3: top tip, like don't go overseas if you've got a

478
00:21:23,800 --> 00:21:25,280
Speaker 3: card with foreign exchange fees.

479
00:21:25,400 --> 00:21:28,480
Speaker 2: Yeah, Kelly, got you, got you save your money like

480
00:21:28,680 --> 00:21:30,200
Speaker 2: I in g or something. I don't know, I guess

481
00:21:30,200 --> 00:21:30,480
Speaker 2: you could do.

482
00:21:30,520 --> 00:21:32,879
Speaker 3: Personally, I can't give you advice on what bank to

483
00:21:33,040 --> 00:21:36,280
Speaker 3: use because that would be going against my financial services license.

484
00:21:36,560 --> 00:21:39,320
Speaker 3: But when I went to Bali, i used my WISE card.

485
00:21:39,640 --> 00:21:43,800
Speaker 3: Wise that's just why us, that is just what I used.

486
00:21:44,000 --> 00:21:49,000
Speaker 3: You would I know about money or making decisions, You've

487
00:21:49,040 --> 00:21:51,000
Speaker 3: got to make your own decision. But I used my

488
00:21:51,080 --> 00:21:51,640
Speaker 3: WIS card.

489
00:21:51,800 --> 00:21:54,320
Speaker 2: Are there other banks that have, you know, no foreign

490
00:21:54,359 --> 00:21:54,880
Speaker 2: exchange fees?

491
00:21:55,000 --> 00:21:55,119
Speaker 4: Yes?

492
00:21:55,160 --> 00:21:58,160
Speaker 3: Absolutely, Yeah, I just didn't use those ones a bad

493
00:21:58,840 --> 00:22:00,000
Speaker 3: but again, do your own research.

494
00:22:00,640 --> 00:22:04,600
Speaker 2: That's very good to know for no reason exactly.

495
00:22:04,760 --> 00:22:06,880
Speaker 3: And also sorry, we're going to take this a step

496
00:22:06,960 --> 00:22:10,680
Speaker 3: further and let an app find the best fee free

497
00:22:10,840 --> 00:22:13,520
Speaker 3: ATM for you, because like gol, we live in twenty

498
00:22:13,600 --> 00:22:18,119
Speaker 3: twenty five. There's an app for everything. So ATM fees overseas,

499
00:22:18,640 --> 00:22:21,080
Speaker 3: I think take the mikey right, Like, have you ever

500
00:22:21,119 --> 00:22:23,840
Speaker 3: gone to get cash out overseas? And you're like, but

501
00:22:23,960 --> 00:22:27,040
Speaker 3: you needed the cash because you're like already at the market. Yeah,

502
00:22:27,160 --> 00:22:28,920
Speaker 3: what are you going to do? You're going to pay it,

503
00:22:29,000 --> 00:22:32,200
Speaker 3: but we're not. Sometimes it could cost anywhere genuinely between

504
00:22:32,240 --> 00:22:34,159
Speaker 3: eight to twelve dollars just to take cash out your

505
00:22:34,200 --> 00:22:37,600
Speaker 3: own cash so that you can spend it. Oh, okay,

506
00:22:38,040 --> 00:22:40,520
Speaker 3: taking the mickey, don't like it? There's an app for that,

507
00:22:40,920 --> 00:22:43,400
Speaker 3: because in twenty twenty five there's an app for everything,

508
00:22:43,520 --> 00:22:46,280
Speaker 3: back to the ATM fee save app.

509
00:22:46,600 --> 00:22:49,400
Speaker 2: Oh okay, these guys are crazy. I love them.

510
00:22:49,760 --> 00:22:52,359
Speaker 3: They actually map ATMs in more than one hundred and

511
00:22:52,440 --> 00:22:55,760
Speaker 3: sixty countries and then they show you which ones are

512
00:22:55,840 --> 00:22:58,680
Speaker 3: like fee free or lower cost and even tells you

513
00:22:58,760 --> 00:23:00,960
Speaker 3: what like withdraw all limits are on it, or like

514
00:23:01,080 --> 00:23:01,800
Speaker 3: the foreign.

515
00:23:01,600 --> 00:23:04,119
Speaker 2: Cards it's accepting. I'm not paid for this.

516
00:23:04,280 --> 00:23:06,719
Speaker 3: I just thought this was genius because if you need

517
00:23:06,800 --> 00:23:09,600
Speaker 3: an ATM, like sorry, get the best one, and he's

518
00:23:09,720 --> 00:23:11,440
Speaker 3: kind of I've written down how it works so it

519
00:23:11,520 --> 00:23:13,359
Speaker 3: makes sense to you. First thing you're going to do

520
00:23:13,440 --> 00:23:15,760
Speaker 3: is download the app. Then you're like, okay, cool back.

521
00:23:15,840 --> 00:23:17,560
Speaker 3: And I just got back from Bali, so I feel

522
00:23:17,600 --> 00:23:20,159
Speaker 3: like this is my most recent example. Go search Bali

523
00:23:20,480 --> 00:23:23,400
Speaker 3: and your country, so Bali Indonesia. It's going to show

524
00:23:23,400 --> 00:23:27,320
Speaker 3: a map of all the nearby ATMs with user reported fees.

525
00:23:27,680 --> 00:23:29,600
Speaker 3: So the one thing I would say, it's user reported,

526
00:23:29,720 --> 00:23:31,280
Speaker 3: So like, the more people that have this app, the

527
00:23:31,359 --> 00:23:33,440
Speaker 3: more people that are contributing to the data, the better.

528
00:23:33,520 --> 00:23:37,160
Speaker 3: But then also it's not like verified through the bank,

529
00:23:37,280 --> 00:23:39,280
Speaker 3: like I could go on and be like cost fifty

530
00:23:39,320 --> 00:23:42,360
Speaker 3: million dollars, what are they going to do? But then

531
00:23:42,400 --> 00:23:45,240
Speaker 3: you're going to head to the fee free option save

532
00:23:45,359 --> 00:23:48,160
Speaker 3: eight bucks because when you're back home in Melbourne, that's

533
00:23:48,200 --> 00:23:50,879
Speaker 3: a coffee, but when you're in Bali, that's like cocktails

534
00:23:50,920 --> 00:23:55,240
Speaker 3: for two people. Hell yeah, that's so exactly right, exactly,

535
00:23:55,359 --> 00:23:57,880
Speaker 3: and I guess you're going to go fee what's the catch?

536
00:23:58,280 --> 00:23:58,760
Speaker 2: Of course?

537
00:23:58,880 --> 00:24:03,920
Speaker 3: Ye. Coverage is very dependent on I guess travelers submitting updates.

538
00:24:03,960 --> 00:24:05,680
Speaker 3: As I said before, like it's kind of up to

539
00:24:05,760 --> 00:24:07,600
Speaker 3: the users to be like, oh, I do this. So

540
00:24:07,720 --> 00:24:10,520
Speaker 3: in Bali really easy because there's lots of Australians and

541
00:24:10,600 --> 00:24:13,080
Speaker 3: lots of people who do that, but like maybe more

542
00:24:13,200 --> 00:24:16,359
Speaker 3: niche travel destinations are a little bit harder to find it.

543
00:24:16,480 --> 00:24:18,159
Speaker 3: So in some spots I would say it's.

544
00:24:18,040 --> 00:24:19,000
Speaker 2: Definitely not perfect.

545
00:24:19,080 --> 00:24:20,800
Speaker 3: But when it works, it works, and it can save

546
00:24:20,800 --> 00:24:22,600
Speaker 3: you hundreds of dollars on a longer holiday.

547
00:24:22,720 --> 00:24:23,720
Speaker 2: That is so good.

548
00:24:23,920 --> 00:24:25,280
Speaker 3: We are here to save money.

549
00:24:25,480 --> 00:24:28,480
Speaker 2: Yeah, Okay, I'm like kind of itching to get on

550
00:24:28,600 --> 00:24:30,040
Speaker 2: my phone and tell all my friends about this, but

551
00:24:30,080 --> 00:24:30,600
Speaker 2: I'm going to wait.

552
00:24:30,720 --> 00:24:32,520
Speaker 3: You can just sell them the whole episode that we did.

553
00:24:32,640 --> 00:24:34,200
Speaker 3: I think I might do that, just be like Hey,

554
00:24:34,440 --> 00:24:37,760
Speaker 3: sit down Buckley in. Yeah, I'm on a podcast and

555
00:24:37,880 --> 00:24:38,880
Speaker 3: I have been for years.

556
00:24:38,920 --> 00:24:42,160
Speaker 2: I have been for years. Actually, yeah, doct me. It's

557
00:24:42,240 --> 00:24:45,520
Speaker 2: not you. So okay, food can be a big one

558
00:24:45,600 --> 00:24:48,399
Speaker 2: on holiday. Yeah, do you have anything to save on that? Girl?

559
00:24:49,040 --> 00:24:53,200
Speaker 3: All I do is hack food when I'm away. And

560
00:24:53,880 --> 00:24:56,000
Speaker 3: you know what, this isn't for everybody. So I'll share this,

561
00:24:56,119 --> 00:24:57,720
Speaker 3: and I've shared this on the pod before, so this

562
00:24:57,840 --> 00:24:59,400
Speaker 3: isn't the new part. But then I've got a few

563
00:24:59,440 --> 00:25:03,600
Speaker 3: tips that are new. I don't believe unless breakfast included

564
00:25:04,280 --> 00:25:06,359
Speaker 3: in the holiday or in the package or it's like

565
00:25:06,440 --> 00:25:09,800
Speaker 3: real reasonable, we're not having breakfast a gotel, don't get

566
00:25:09,840 --> 00:25:12,240
Speaker 3: me wrong. So, like most recent trip for me was Bali.

567
00:25:12,480 --> 00:25:14,760
Speaker 3: We definitely had breakfast at the hotel because it's like

568
00:25:14,840 --> 00:25:16,680
Speaker 3: this big buffet and it was kind of part of

569
00:25:16,760 --> 00:25:18,920
Speaker 3: the experience. We'll staying at a resort, Like I didn't

570
00:25:18,960 --> 00:25:22,080
Speaker 3: want to leave to go and get food because it's

571
00:25:22,119 --> 00:25:25,199
Speaker 3: just not my journey for that trip. So what did

572
00:25:25,280 --> 00:25:26,359
Speaker 3: I do to make the most of that?

573
00:25:26,600 --> 00:25:29,480
Speaker 2: I have a toddler. Toddler's I would.

574
00:25:29,280 --> 00:25:32,480
Speaker 3: Say eat ninety nine percent of the time. My grocery

575
00:25:32,520 --> 00:25:35,800
Speaker 3: budget is ninety nine percent snacks at this point for

576
00:25:35,960 --> 00:25:39,000
Speaker 3: my toddler. So I took a lunch box and I

577
00:25:39,040 --> 00:25:41,119
Speaker 3: made a little sandwich every morning and put some of

578
00:25:41,200 --> 00:25:43,560
Speaker 3: the snacks and treats in there. So when midday came

579
00:25:43,720 --> 00:25:45,680
Speaker 3: and Harvey had his little lunch and he had some

580
00:25:46,000 --> 00:25:49,040
Speaker 3: afternoon tea, I was set. It made me very comfortable.

581
00:25:49,280 --> 00:25:51,880
Speaker 3: I didn't have to spend extra on going, Oh, we're

582
00:25:51,920 --> 00:25:54,280
Speaker 3: at the pool, like you know, we're still in our resort.

583
00:25:54,320 --> 00:25:57,320
Speaker 3: We're hanging out. Harvey's hungry. We should order some like

584
00:25:57,440 --> 00:26:00,560
Speaker 3: you know, chips beside the pool. I don't mind what

585
00:26:00,680 --> 00:26:02,520
Speaker 3: food it is. Like, Don't get me wrong. It's not

586
00:26:02,600 --> 00:26:04,800
Speaker 3: about health and wealth and whatever at this point in time.

587
00:26:04,840 --> 00:26:07,800
Speaker 3: It's actually about going to me. That's a ridiculous cost

588
00:26:07,880 --> 00:26:09,760
Speaker 3: for a toddler who would be just as happy with

589
00:26:09,840 --> 00:26:12,800
Speaker 3: a veggie Mike sandwich. Yeah, so I'm filling up my

590
00:26:13,600 --> 00:26:18,439
Speaker 3: lunch box at the buffet. When I was traveling Europe

591
00:26:18,520 --> 00:26:21,440
Speaker 3: with my girlfriends and we had no money, I had

592
00:26:21,560 --> 00:26:24,280
Speaker 3: zip lock bags that I bought at the local supermarket,

593
00:26:24,640 --> 00:26:27,040
Speaker 3: and I put an extra croissant in there from the

594
00:26:27,560 --> 00:26:32,000
Speaker 3: hostel's buffet breakfast that was included, and like buffet breakfasts

595
00:26:32,040 --> 00:26:36,200
Speaker 3: at hostel's dire but sorry morning tea or afternoon tea.

596
00:26:36,280 --> 00:26:38,159
Speaker 3: Not having to get a little lack snack because you

597
00:26:38,240 --> 00:26:41,840
Speaker 3: were starving because I took it from buffet breakfast. Amazing.

598
00:26:42,080 --> 00:26:44,440
Speaker 2: Yeah, And I assume they'd throw that stuff out anyway.

599
00:26:44,320 --> 00:26:46,879
Speaker 3: I think, so, I like, no one ever stopped me,

600
00:26:47,000 --> 00:26:49,359
Speaker 3: No one has ever been like, oh no, Like in fact,

601
00:26:49,520 --> 00:26:51,440
Speaker 3: when I was filling my little lunch box, They're like,

602
00:26:51,480 --> 00:26:54,159
Speaker 3: do you need anything else? Oh? Thanks, cute?

603
00:26:54,200 --> 00:26:54,840
Speaker 1: Do you know what I mean?

604
00:26:55,359 --> 00:26:58,440
Speaker 3: Also when I was in bigger locations. So as I've

605
00:26:58,440 --> 00:27:00,959
Speaker 3: gotten older, I've traveled more expense if places like New

606
00:27:01,040 --> 00:27:03,880
Speaker 3: York in America, I'm sorry. The second we got there,

607
00:27:04,000 --> 00:27:06,080
Speaker 3: I was like, I'm not paying twenty five dollars USD

608
00:27:06,200 --> 00:27:08,240
Speaker 3: for the buffet breakfast at this hotel in the morning

609
00:27:08,440 --> 00:27:11,719
Speaker 3: for it to be toast and jam. So I went

610
00:27:11,760 --> 00:27:14,000
Speaker 3: to the supermarket and I got like cereals and stuff

611
00:27:14,119 --> 00:27:18,440
Speaker 3: like that set myself up amazing breakfast in bed every morning. Yeah,

612
00:27:18,720 --> 00:27:21,040
Speaker 3: really cheap, really easy. And to be honest, one of

613
00:27:21,080 --> 00:27:23,760
Speaker 3: the hacks that I have for traveling is like try

614
00:27:23,880 --> 00:27:25,280
Speaker 3: and I don't know if this is a hacker, if

615
00:27:25,320 --> 00:27:27,399
Speaker 3: this is just something that we do is trying to

616
00:27:27,480 --> 00:27:30,040
Speaker 3: have one or two meals at the hotel each day,

617
00:27:30,160 --> 00:27:32,840
Speaker 3: like or at where you're staying each day. And breakfast

618
00:27:32,920 --> 00:27:35,400
Speaker 3: I think is such an easy tick off the list. Yeah,

619
00:27:35,440 --> 00:27:38,280
Speaker 3: because I can eat something at home or eat something

620
00:27:38,280 --> 00:27:40,480
Speaker 3: where we're staying, and then we can go out and

621
00:27:40,560 --> 00:27:43,280
Speaker 3: still have a coffee, but we're not blowing our food

622
00:27:43,320 --> 00:27:45,879
Speaker 3: budget early in the day. I don't know about you,

623
00:27:45,960 --> 00:27:47,960
Speaker 3: but I'd much prefer to have like a fancy lunch

624
00:27:48,040 --> 00:27:52,360
Speaker 3: or a fancy dinner then spend money when traveling on breakfast. Yeah,

625
00:27:52,440 --> 00:27:54,760
Speaker 3: unless it's like a bucket list item, it's just not

626
00:27:54,880 --> 00:27:59,359
Speaker 3: my journey for sure. But then also we've spoken on

627
00:27:59,400 --> 00:28:03,280
Speaker 3: the podcast for about eat Club. Yes, they are actually international,

628
00:28:03,760 --> 00:28:06,240
Speaker 3: so you can hunt for eat club at your destination.

629
00:28:06,600 --> 00:28:08,920
Speaker 3: So we talk about apps like this, but most countries

630
00:28:09,040 --> 00:28:12,040
Speaker 3: have their own version. So what I would do is

631
00:28:12,119 --> 00:28:15,560
Speaker 3: search Google or your friend chat GPT and just be like, hey,

632
00:28:15,680 --> 00:28:19,680
Speaker 3: what's like the restaurant discount app for Europe, YEP for

633
00:28:19,800 --> 00:28:22,960
Speaker 3: Italy be specific maybe you're in Dubai, I don't know,

634
00:28:23,440 --> 00:28:25,280
Speaker 3: and then download it in advance and set up your

635
00:28:25,280 --> 00:28:27,800
Speaker 3: account so that you can see what's on offer. So

636
00:28:27,920 --> 00:28:29,920
Speaker 3: I did a little bit of research for you. In

637
00:28:30,080 --> 00:28:33,520
Speaker 3: Europe and in Latin America, there's an app called the

638
00:28:33,640 --> 00:28:36,879
Speaker 3: Fork and it looks basically like you eat club and

639
00:28:37,040 --> 00:28:39,880
Speaker 3: you earn like loyalty points and get discounted tables and

640
00:28:39,960 --> 00:28:42,760
Speaker 3: discounted rates, or you might get like a free bottle

641
00:28:42,760 --> 00:28:46,080
Speaker 3: of wine with your booking. Cool sorry, money in money.

642
00:28:46,160 --> 00:28:50,600
Speaker 3: In in Asia they have eaty go or ettygo, I

643
00:28:50,640 --> 00:28:55,280
Speaker 3: don't know, et go, yes, eatigo okay, And that's time

644
00:28:55,360 --> 00:28:57,920
Speaker 3: based discounts, so like no booking in advance, but they

645
00:28:58,000 --> 00:29:01,120
Speaker 3: might be like, oh tonight, this places having twenty five

646
00:29:01,400 --> 00:29:03,840
Speaker 3: percent off a few books through here, right, money win,

647
00:29:03,960 --> 00:29:05,920
Speaker 3: and like amazing, you're on holiday. I feel like we

648
00:29:06,000 --> 00:29:08,680
Speaker 3: do most things last minute. In the UK and in

649
00:29:08,840 --> 00:29:13,080
Speaker 3: Ireland they have Taste Cud Yeah, so they offer often

650
00:29:13,440 --> 00:29:17,000
Speaker 3: two for one or fifty percent off at thousands of

651
00:29:17,080 --> 00:29:20,440
Speaker 3: different restaurants. That is so good, right, So we're all

652
00:29:20,480 --> 00:29:22,440
Speaker 3: trying to save money at home, like, and we use

653
00:29:22,520 --> 00:29:24,200
Speaker 3: these apps at home, but then all of a sudden

654
00:29:24,200 --> 00:29:26,840
Speaker 3: when we go overseas, we forget that these things exist. Yeah,

655
00:29:27,400 --> 00:29:30,320
Speaker 3: so that's good and one of our favorites of the show.

656
00:29:30,400 --> 00:29:32,400
Speaker 3: And you've like mentioned it before, is like a broke

657
00:29:32,520 --> 00:29:36,080
Speaker 3: tip is too good to go. Yeah, sorry, that's international.

658
00:29:36,520 --> 00:29:39,240
Speaker 3: We didn't come up with that in Australia. That's actually

659
00:29:39,280 --> 00:29:42,240
Speaker 3: availably in so many different countries around the world. And

660
00:29:42,280 --> 00:29:43,880
Speaker 3: I would say that's a really good option because you

661
00:29:43,880 --> 00:29:46,000
Speaker 3: could get on like eat to go, look at a

662
00:29:46,040 --> 00:29:48,880
Speaker 3: bakery or something, get some cute like chocolate croissants or

663
00:29:48,960 --> 00:29:51,120
Speaker 3: something the night before Bam breakfast.

664
00:29:51,440 --> 00:29:52,320
Speaker 2: That's so clever.

665
00:29:52,720 --> 00:29:55,280
Speaker 3: My sin is really smart. I think that's so I'm

666
00:29:55,360 --> 00:29:57,560
Speaker 3: so excited to tell everyone I know about it. I

667
00:29:57,640 --> 00:30:00,480
Speaker 3: just feel so good when you're on holiday. I don't

668
00:30:00,480 --> 00:30:02,480
Speaker 3: know about you, but you just have this idea that

669
00:30:02,600 --> 00:30:05,840
Speaker 3: oh it's a luxury Absolutely you just go, oh, it's

670
00:30:05,920 --> 00:30:07,960
Speaker 3: definitely going to be more expensive, but you can still

671
00:30:08,000 --> 00:30:10,720
Speaker 3: be a little bit savvy. Absolutely, like we can still

672
00:30:10,800 --> 00:30:13,600
Speaker 3: save money and like these rules, I've never felt like

673
00:30:13,680 --> 00:30:16,200
Speaker 3: they're restrictive, like this idea that we have, you know,

674
00:30:16,640 --> 00:30:20,280
Speaker 3: one meal at home for me. Yes, It's very different

675
00:30:20,360 --> 00:30:23,280
Speaker 3: when I'm traveling to a more budget friendly country like Asia.

676
00:30:23,720 --> 00:30:26,720
Speaker 3: So like in Bali, I'm like, well, what really is

677
00:30:26,840 --> 00:30:29,040
Speaker 3: the difference of going to the supermarket and buying all

678
00:30:29,080 --> 00:30:31,120
Speaker 3: of the groceries and then bring in that's that's not

679
00:30:31,240 --> 00:30:34,040
Speaker 3: the journey for me and Bali but sorry in Italy

680
00:30:34,320 --> 00:30:37,360
Speaker 3: when we were in more expensive locations like New York

681
00:30:37,400 --> 00:30:40,400
Speaker 3: America wherever, for me, I'm like, no, that's going to

682
00:30:40,480 --> 00:30:43,280
Speaker 3: save me like fifteen dollars USD, which is close to

683
00:30:43,400 --> 00:30:46,400
Speaker 3: thirty dollars Australian right off the bat. And if I'm

684
00:30:46,440 --> 00:30:48,600
Speaker 3: there for ten days, that stuff adds.

685
00:30:48,360 --> 00:30:51,920
Speaker 2: Up for sure. That's one hundreds and hundreds of dollars exactly.

686
00:30:52,160 --> 00:30:54,840
Speaker 3: And I don't know about you, Beck, but sorry, American

687
00:30:54,920 --> 00:30:55,880
Speaker 3: cereals are really fun.

688
00:30:56,200 --> 00:30:59,040
Speaker 2: I love lucky charms. Yeah, we like went to the

689
00:30:59,160 --> 00:30:59,920
Speaker 2: supermarket there.

690
00:31:00,160 --> 00:31:02,400
Speaker 3: It was like a whole other experience that was a

691
00:31:02,440 --> 00:31:05,520
Speaker 3: free activity, warm turn out of tear.

692
00:31:05,640 --> 00:31:08,120
Speaker 2: Even the comedian stores here, there's something about the American

693
00:31:08,400 --> 00:31:09,360
Speaker 2: sweets and treats.

694
00:31:09,520 --> 00:31:12,000
Speaker 3: Oh, they just wanted to look at them exactly right,

695
00:31:12,120 --> 00:31:14,480
Speaker 3: So you can still have fun and doesn't need to

696
00:31:14,520 --> 00:31:16,200
Speaker 3: be boring. You don't need to go get your like

697
00:31:16,320 --> 00:31:18,960
Speaker 3: stocks downed. Okay, well, when we get there, we'll buy

698
00:31:18,960 --> 00:31:22,479
Speaker 3: a loaf of bread, non s something fun. It can

699
00:31:22,560 --> 00:31:24,400
Speaker 3: even be like something fun and a little bit more

700
00:31:24,440 --> 00:31:26,400
Speaker 3: like bougie than what you would usually do, but you're

701
00:31:26,440 --> 00:31:30,120
Speaker 3: probably already still saving money by doing exactly treat yourself.

702
00:31:30,840 --> 00:31:33,040
Speaker 2: So we often have like solo travelers in our community

703
00:31:33,080 --> 00:31:36,640
Speaker 2: that say they want to save money on budget accommodation,

704
00:31:36,760 --> 00:31:38,200
Speaker 2: but they don't want it to be in a dorm

705
00:31:38,360 --> 00:31:40,920
Speaker 2: for safety reasons, of course, and for other reasons. I'm sure,

706
00:31:41,320 --> 00:31:42,640
Speaker 2: So give me your best tip.

707
00:31:42,640 --> 00:31:45,720
Speaker 3: I've stayed in a few dorms and in like costels,

708
00:31:46,040 --> 00:31:47,400
Speaker 3: and one of the things I would say is, I

709
00:31:47,480 --> 00:31:51,080
Speaker 3: absolutely agree. When I was traveling this is obviously like

710
00:31:51,200 --> 00:31:55,120
Speaker 3: segue into solo travelers, but one of the things I

711
00:31:55,200 --> 00:31:57,440
Speaker 3: would say is you can obviously pick like all female

712
00:31:57,480 --> 00:31:59,920
Speaker 3: dorms if you want, or like when I was traveling

713
00:32:00,280 --> 00:32:03,080
Speaker 3: with a group of four, we found it very economical

714
00:32:03,480 --> 00:32:06,360
Speaker 3: to book out a dorm for six people and say

715
00:32:06,440 --> 00:32:08,240
Speaker 3: that we wanted the whole thing, but it was only

716
00:32:08,320 --> 00:32:11,520
Speaker 3: four of us. Then we got like dorm rates, but

717
00:32:11,680 --> 00:32:14,200
Speaker 3: we didn't. We just split the cost and we kind

718
00:32:14,240 --> 00:32:16,160
Speaker 3: of had our own private room and that was a

719
00:32:16,240 --> 00:32:20,400
Speaker 3: good deal. But when it comes to individual travel, it

720
00:32:20,480 --> 00:32:22,640
Speaker 3: obviously like adds up because you can't split your room

721
00:32:22,680 --> 00:32:24,600
Speaker 3: cost with anybody. No, I'll be like, oh, I beck

722
00:32:24,680 --> 00:32:26,800
Speaker 3: this hotel is like two hundred bucks. Oh, it's only

723
00:32:26,840 --> 00:32:29,640
Speaker 3: one hundred dollars ahead, Like that just doesn't work. But

724
00:32:29,800 --> 00:32:33,520
Speaker 3: did you know when students clear out for like semester breaks,

725
00:32:34,400 --> 00:32:38,200
Speaker 3: universities kind of sometimes quietly flip their dorms into budget accommodation.

726
00:32:38,440 --> 00:32:41,880
Speaker 3: Oh okay, right, anyway, this means you could score a

727
00:32:41,960 --> 00:32:44,240
Speaker 3: bed and this usually happens in like America and London,

728
00:32:44,320 --> 00:32:47,280
Speaker 3: not so much Australia, but like in a central city

729
00:32:47,400 --> 00:32:50,080
Speaker 3: location on a budget with I would say, way, if

730
00:32:50,160 --> 00:32:52,600
Speaker 3: you were drunk backpackers banking on your door at three

731
00:32:52,600 --> 00:32:55,520
Speaker 3: am in Australia, you could have a look and see

732
00:32:55,640 --> 00:32:59,280
Speaker 3: if like UNI lodge or like campus living villages do it,

733
00:32:59,680 --> 00:33:01,480
Speaker 3: because I know they do. It's just, as I said,

734
00:33:01,560 --> 00:33:06,400
Speaker 3: a little bit more scarce than overseas. Plus individual UNI

735
00:33:06,480 --> 00:33:09,000
Speaker 3: residences in Sydney, Brisbane and Perth seem to do that

736
00:33:09,200 --> 00:33:12,160
Speaker 3: over summer. Sorry, room started like forty bucks a night,

737
00:33:12,240 --> 00:33:15,560
Speaker 3: beck Yeah, okay, that's so good. It allers, that's so good.

738
00:33:15,720 --> 00:33:18,720
Speaker 3: That's dorm pricing, not for dorm rooms. And often you

739
00:33:18,880 --> 00:33:23,320
Speaker 3: get access to the kitchen or sorry, laundry facilities include it.

740
00:33:23,760 --> 00:33:26,640
Speaker 3: Right overseas, there's a website, and this is where you

741
00:33:26,720 --> 00:33:29,960
Speaker 3: get access to a bit more is university rooms dot

742
00:33:30,080 --> 00:33:34,120
Speaker 3: com and they have more than eight hundred different universities

743
00:33:34,160 --> 00:33:37,560
Speaker 3: across the UK, across Europe and across Canada, including get this,

744
00:33:37,680 --> 00:33:40,960
Speaker 3: you could stay at Oxford or Cambridge. Yeah, you could

745
00:33:41,000 --> 00:33:43,080
Speaker 3: put on your resume that you went to Cambridge.

746
00:33:43,680 --> 00:33:46,400
Speaker 2: It was a day so cool. Imagine and you're dating.

747
00:33:46,360 --> 00:33:49,320
Speaker 3: You're not lying, I went there one time. Like, yes,

748
00:33:49,400 --> 00:33:50,480
Speaker 3: of course I've been to Harvard.

749
00:33:50,680 --> 00:33:51,800
Speaker 2: Yeah, I slept there obviously.

750
00:33:52,080 --> 00:33:55,040
Speaker 3: Obviously when you could, like I don't know, you live

751
00:33:55,120 --> 00:33:59,560
Speaker 3: out your royal fantasy like American student loan dream for

752
00:33:59,640 --> 00:34:00,800
Speaker 3: a fresh of the cost.

753
00:34:00,600 --> 00:34:02,600
Speaker 2: Of a hotel. That's so good.

754
00:34:02,800 --> 00:34:04,720
Speaker 3: That is actually such a beatle work. This one I

755
00:34:04,800 --> 00:34:07,080
Speaker 3: thought was really cool. So I've been to Edinburgh before

756
00:34:07,160 --> 00:34:10,520
Speaker 3: and I loved it. I actually went to Edinburgh over

757
00:34:10,640 --> 00:34:13,719
Speaker 3: New Year's one year and went to Hogomena, which is

758
00:34:13,760 --> 00:34:16,239
Speaker 3: their big New Year's festival. Oh my god. I was

759
00:34:16,360 --> 00:34:18,719
Speaker 3: so cold because it was the middle of winter and

760
00:34:18,840 --> 00:34:21,640
Speaker 3: the middle of the night, but I had the best time.

761
00:34:22,480 --> 00:34:26,480
Speaker 3: Edinburgh unidorms actually moonlight as budget hotels during like the

762
00:34:26,640 --> 00:34:29,799
Speaker 3: fringe festivals, when normal accommodation prices go up.

763
00:34:30,120 --> 00:34:30,879
Speaker 2: That's so good.

764
00:34:30,960 --> 00:34:32,640
Speaker 3: Look at like times that you want to be there

765
00:34:32,640 --> 00:34:36,160
Speaker 3: because like school's not in during New Years, so you

766
00:34:36,280 --> 00:34:40,160
Speaker 3: get an empty room in Edinburgh for hogmna at a

767
00:34:40,200 --> 00:34:40,919
Speaker 3: really cheap price.

768
00:34:41,080 --> 00:34:43,640
Speaker 2: That's so sick. What anat idea?

769
00:34:44,680 --> 00:34:45,000
Speaker 3: All right?

770
00:34:45,040 --> 00:34:45,239
Speaker 2: Beck?

771
00:34:45,360 --> 00:34:47,920
Speaker 3: I know that a lot of this yap in has

772
00:34:48,400 --> 00:34:51,000
Speaker 3: meant that I'm running out of time very quickly, but

773
00:34:51,120 --> 00:34:53,720
Speaker 3: I want to know, do you have any broke tips

774
00:34:53,880 --> 00:34:56,080
Speaker 3: to share? We're going to like bring the Friday segment

775
00:34:56,120 --> 00:34:59,080
Speaker 3: into this episode to share when it comes to travel.

776
00:34:58,920 --> 00:35:01,600
Speaker 2: Like what have you round? I guess, like you know,

777
00:35:01,719 --> 00:35:03,759
Speaker 2: and other than the ones that I've used before, where

778
00:35:03,760 --> 00:35:06,840
Speaker 2: I'm like, where every single item of clothing that you

779
00:35:07,000 --> 00:35:09,040
Speaker 2: can so that you don't have to Oh yeah, that's

780
00:35:09,080 --> 00:35:11,279
Speaker 2: a kicking yeah yeah, And I think this one might.

781
00:35:11,320 --> 00:35:14,680
Speaker 3: But I do think that's quite funny though. I saw

782
00:35:14,719 --> 00:35:16,640
Speaker 3: a girl on TikTok the other day and she's like,

783
00:35:16,640 --> 00:35:18,000
Speaker 3: if you don't want to wear all of your coats

784
00:35:18,040 --> 00:35:21,480
Speaker 3: and jackets and stuff, fold up, like wear an extra

785
00:35:21,600 --> 00:35:24,080
Speaker 3: extra large bra and fold up all of your undies

786
00:35:24,200 --> 00:35:26,759
Speaker 3: and all of your T shirts. No one's going to

787
00:35:26,840 --> 00:35:27,760
Speaker 3: question your breast size.

788
00:35:27,920 --> 00:35:30,640
Speaker 2: No. And I was like what's going on there, because

789
00:35:30,640 --> 00:35:32,239
Speaker 2: that would be rude. She'd be like, hey, my eyes

790
00:35:32,239 --> 00:35:36,360
Speaker 2: are up here, sadly, stop looking at my T shirt exactly.

791
00:35:37,239 --> 00:35:39,960
Speaker 2: So this one might not be like like a great

792
00:35:40,160 --> 00:35:41,920
Speaker 2: hack or whatever, like a lot of people might think.

793
00:35:42,480 --> 00:35:44,120
Speaker 2: If you've come up with it, I think it'll be good.

794
00:35:44,200 --> 00:35:46,400
Speaker 2: Well I would hope so, but I fear that. So

795
00:35:46,840 --> 00:35:48,560
Speaker 2: what I'm going to say is the wiki camps app,

796
00:35:48,800 --> 00:35:51,560
Speaker 2: because I tend to like I drive to Sydney a lot,

797
00:35:51,880 --> 00:35:54,000
Speaker 2: and I just love like going on little like you know,

798
00:35:54,120 --> 00:35:56,319
Speaker 2: short stays by myself or whatever, and the wiki camps

799
00:35:56,320 --> 00:35:59,880
Speaker 2: app will show you heaps of free or low coal

800
00:36:00,280 --> 00:36:01,560
Speaker 2: camping spots across Australia.

801
00:36:01,600 --> 00:36:02,520
Speaker 3: Oh that's a good deal.

802
00:36:02,719 --> 00:36:04,879
Speaker 2: Ones that are and you know there are so many

803
00:36:04,960 --> 00:36:07,200
Speaker 2: free spots, but they will, like, you know, if it's

804
00:36:07,239 --> 00:36:09,040
Speaker 2: any good, you'll be able to see, like you know,

805
00:36:09,080 --> 00:36:11,719
Speaker 2: it'll show you the amenities list, but also you'll each

806
00:36:11,800 --> 00:36:14,000
Speaker 2: one will come with its own real reviews and photos

807
00:36:14,080 --> 00:36:15,799
Speaker 2: from other travelers, so you can see what you're signing

808
00:36:15,880 --> 00:36:16,000
Speaker 2: up for.

809
00:36:16,120 --> 00:36:19,080
Speaker 3: If we drive in okay, so like if you went back,

810
00:36:19,200 --> 00:36:20,840
Speaker 3: you would like take a picture and upload it and

811
00:36:20,960 --> 00:36:22,719
Speaker 3: be like this is pretty sick, or like take a

812
00:36:22,760 --> 00:36:24,960
Speaker 3: photo of a dodgy toilet and be like not so

813
00:36:25,040 --> 00:36:28,160
Speaker 3: great but still free exactly exactly okay, okay, And you

814
00:36:28,200 --> 00:36:30,239
Speaker 3: can filter it based on like, you know, I would

815
00:36:30,320 --> 00:36:33,080
Speaker 3: like a bonfire, I would like you know, a powered

816
00:36:33,160 --> 00:36:33,719
Speaker 3: site or whatever.

817
00:36:33,760 --> 00:36:35,320
Speaker 2: You can filter it based on what you're looking for,

818
00:36:35,440 --> 00:36:36,480
Speaker 2: and so I think it's really good.

819
00:36:36,680 --> 00:36:40,239
Speaker 3: A bonfire is so fun. You know what I hate

820
00:36:40,280 --> 00:36:42,600
Speaker 3: about bonfires, and you probably don't care as much as

821
00:36:42,640 --> 00:36:44,439
Speaker 3: I do because I spend a lot of time doing

822
00:36:44,520 --> 00:36:47,520
Speaker 3: my hair, is that when you go to a bonfire,

823
00:36:48,719 --> 00:36:51,600
Speaker 3: you walk away and my hair smells like the bonfire,

824
00:36:52,480 --> 00:36:54,160
Speaker 3: like shampooed it like three times.

825
00:36:54,400 --> 00:36:56,759
Speaker 2: It's so frustrating. No, I get it everything you own

826
00:36:56,840 --> 00:36:58,719
Speaker 2: for it because it's like the vibes. But then also

827
00:36:58,880 --> 00:36:59,799
Speaker 2: now I smell.

828
00:36:59,640 --> 00:37:00,520
Speaker 4: Like a camp.

829
00:37:01,400 --> 00:37:03,400
Speaker 2: You've really got to commit to a bonfire, yeah, Like

830
00:37:03,560 --> 00:37:05,080
Speaker 2: do I stay really far away?

831
00:37:05,239 --> 00:37:06,920
Speaker 3: And then even when I've done that, I'm like, I

832
00:37:07,000 --> 00:37:08,600
Speaker 3: still smell like a school camp.

833
00:37:08,880 --> 00:37:10,880
Speaker 2: Reaches is going on somehow to get you.

834
00:37:11,880 --> 00:37:11,920
Speaker 4: So.

835
00:37:12,680 --> 00:37:14,640
Speaker 2: But one thing I should say is Wiki camps is

836
00:37:14,719 --> 00:37:16,560
Speaker 2: not free aut but it's just like a one min

837
00:37:16,680 --> 00:37:17,040
Speaker 2: not free.

838
00:37:17,280 --> 00:37:17,800
Speaker 3: How much is it?

839
00:37:18,200 --> 00:37:21,400
Speaker 2: It's only nine dollars ninety nine, but which I know

840
00:37:21,440 --> 00:37:22,600
Speaker 2: it's like it actually is not.

841
00:37:22,719 --> 00:37:25,360
Speaker 3: That's pretty good if you're getting like free camp spots

842
00:37:25,400 --> 00:37:27,760
Speaker 3: and like it's doing all the research for you. ID,

843
00:37:27,840 --> 00:37:29,640
Speaker 3: that's a pretty good deal. And did you say you

844
00:37:29,800 --> 00:37:30,960
Speaker 3: like only buy it once.

845
00:37:31,120 --> 00:37:32,480
Speaker 2: You o the bay ones, which you can. I like

846
00:37:32,560 --> 00:37:35,239
Speaker 2: I do every time you Okay, I like her to

847
00:37:35,280 --> 00:37:36,719
Speaker 2: pay up front. I know what I'm paying for and

848
00:37:36,800 --> 00:37:37,520
Speaker 2: then it's free forever.

849
00:37:37,719 --> 00:37:39,400
Speaker 3: I feel like a good deal. You and I I

850
00:37:39,520 --> 00:37:42,080
Speaker 3: reckon you be on accommodation. Like you find the free

851
00:37:42,120 --> 00:37:44,000
Speaker 3: camp spot. I'll go to the supermarket, get us all

852
00:37:44,080 --> 00:37:48,000
Speaker 3: the breakfast items if we need go camping night before

853
00:37:48,200 --> 00:37:51,839
Speaker 3: bonfire hot dogs that's from Supermico Gorges. In the morning,

854
00:37:51,880 --> 00:37:54,000
Speaker 3: we're having cereal fine, and then we can go out

855
00:37:54,080 --> 00:37:56,520
Speaker 3: for lunch at like a bougie pub or something perfect.

856
00:37:56,600 --> 00:37:57,960
Speaker 3: I feel like that's a good weekend away.

857
00:37:58,040 --> 00:37:58,440
Speaker 2: Let's do it.

858
00:37:58,600 --> 00:38:02,160
Speaker 3: Sorry genius, all right, beck I reckon that is probably

859
00:38:02,280 --> 00:38:05,279
Speaker 3: a very good place to leave it. I hope you

860
00:38:05,320 --> 00:38:07,520
Speaker 3: guys have picked up a few little hacks or tips

861
00:38:07,600 --> 00:38:09,800
Speaker 3: or tricks to make your next trip, I don't know,

862
00:38:09,880 --> 00:38:11,920
Speaker 3: a little bit easier. But also, like I think it's

863
00:38:12,000 --> 00:38:12,920
Speaker 3: fun doing the planning.

864
00:38:13,120 --> 00:38:14,960
Speaker 2: It is fun. It's probably in a spreadsheet.

865
00:38:15,000 --> 00:38:16,960
Speaker 3: If you're anything like me, put it in a spreadsheet

866
00:38:17,000 --> 00:38:19,439
Speaker 3: because it will make the planning better, but it also

867
00:38:19,480 --> 00:38:21,560
Speaker 3: makes it easier on your bank account. And if you

868
00:38:21,680 --> 00:38:24,359
Speaker 3: loved this episode, just like Beck, send it to all

869
00:38:24,440 --> 00:38:27,400
Speaker 3: of your friends, but please make sure that you hit

870
00:38:27,440 --> 00:38:29,719
Speaker 3: subscribe and share it with your travel buddies so that

871
00:38:29,840 --> 00:38:31,799
Speaker 3: they can save a few dollars here and there too.

872
00:38:32,280 --> 00:38:33,839
Speaker 3: We will see you back here on Friday for our

873
00:38:33,880 --> 00:38:35,000
Speaker 3: next episode, Guys.

874
00:38:34,960 --> 00:38:43,200
Speaker 2: Bye by Guys did buy shared on?

875
00:38:43,320 --> 00:38:45,880
Speaker 4: She's on the Money is generally nature and does not

876
00:38:46,080 --> 00:38:50,240
Speaker 4: consider your individual circumstances. She's on the Money exists purely

877
00:38:50,360 --> 00:38:53,239
Speaker 4: for educational purposes and should not be relied upon to

878
00:38:53,320 --> 00:38:56,640
Speaker 4: make an investment or financial decision. If you do choose

879
00:38:56,680 --> 00:38:59,560
Speaker 4: to buy a financial product, read the PDS TMD and

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00:38:59,640 --> 00:39:01,480
Speaker 4: obtain in appropriate financial.

881
00:39:01,160 --> 00:39:02,879
Speaker 2: Advice tailored towards your needs.

882
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Speaker 4: Victoria Divine and She's on the Money are authorized representatives

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Speaker 4: of Money sherper P T y L t D A

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00:39:09,800 --> 00:39:12,680
Speaker 4: B N three two one six four nine two seven

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Speaker 4: seven zero eight AFS L four five one two eight

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00:39:16,440 --> 00:39:16,640
Speaker 4: nine