1 00:00:00,240 --> 00:00:23,439 Speaker 1: She's on the Money. She's on the Money. 2 00:00:25,840 --> 00:00:28,120 Speaker 2: Hello, and welcome to the She's on the Money radio 3 00:00:28,200 --> 00:00:29,479 Speaker 2: show podcast. Stuff. 4 00:00:29,800 --> 00:00:31,160 Speaker 3: That's not how you do it, mate? 5 00:00:31,560 --> 00:00:34,479 Speaker 4: What is going on? Should I do it? Victoria? 6 00:00:35,000 --> 00:00:35,760 Speaker 3: Because I have a turn. 7 00:00:36,800 --> 00:00:38,880 Speaker 4: I don't even have it laminated. She's on the Money 8 00:00:38,960 --> 00:00:41,720 Speaker 4: the podcast for young millennials who are concerned about their 9 00:00:41,760 --> 00:00:42,320 Speaker 4: cash flow. 10 00:00:42,720 --> 00:00:46,080 Speaker 2: Absolutely, you know what actual worst one in the world 11 00:00:46,159 --> 00:00:46,320 Speaker 2: like that. 12 00:00:46,520 --> 00:00:48,640 Speaker 3: I loved it. Do you know what it's about? The tenacity, 13 00:00:48,720 --> 00:00:50,360 Speaker 3: trav Do you know what we did do this week? 14 00:00:50,440 --> 00:00:54,040 Speaker 3: We asked that She's on the Money community what marketplace 15 00:00:54,120 --> 00:00:56,520 Speaker 3: fines they had, and they had some bangers, which we 16 00:00:56,720 --> 00:00:59,680 Speaker 3: have integrated well into the radio show. That's kind of 17 00:00:59,720 --> 00:01:02,640 Speaker 3: how I'm planning on running this show moving forward. Just 18 00:01:02,680 --> 00:01:06,240 Speaker 3: so you know, okay, boss, wow, Yeah, I'm not the producer, 19 00:01:06,440 --> 00:01:08,520 Speaker 3: nor am I the anchor. I'm just the talent. 20 00:01:08,600 --> 00:01:10,240 Speaker 2: Didn't realize that this was an air check. 21 00:01:10,400 --> 00:01:11,880 Speaker 3: It's actually my show. 22 00:01:12,000 --> 00:01:15,039 Speaker 2: Sure, she is on the Money. 23 00:01:16,480 --> 00:01:18,479 Speaker 3: Good, I'll just get everybody else to do my work. 24 00:01:18,640 --> 00:01:20,720 Speaker 3: They give me the tips, they give me the tricks, 25 00:01:20,840 --> 00:01:22,560 Speaker 3: they tell me what they want to hear on the radio, 26 00:01:22,640 --> 00:01:24,040 Speaker 3: and then I put it on the radio and I'm 27 00:01:24,080 --> 00:01:25,119 Speaker 3: giving the people what they want. 28 00:01:25,760 --> 00:01:27,240 Speaker 2: Working smarter, not harder. 29 00:01:27,360 --> 00:01:28,720 Speaker 3: I work really hard. 30 00:01:28,480 --> 00:01:31,320 Speaker 2: To Yeah, you know, speaking of working hard, we have 31 00:01:31,440 --> 00:01:33,959 Speaker 2: been working hard to try to get you the greatest 32 00:01:34,040 --> 00:01:37,640 Speaker 2: birthday present ever, Victoria. Now we're going. 33 00:01:37,520 --> 00:01:40,720 Speaker 3: To turn around to be like, my presence is your presence? 34 00:01:40,760 --> 00:01:42,440 Speaker 2: No, exactly what that's such. 35 00:01:42,280 --> 00:01:45,360 Speaker 4: A trap joke and joke exactly make that. 36 00:01:45,480 --> 00:01:47,200 Speaker 2: I kind of feel like you would as well, Mitch, 37 00:01:47,200 --> 00:01:49,520 Speaker 2: and you've just thrown me under the bus. But we've 38 00:01:49,560 --> 00:01:51,160 Speaker 2: been working hard together, Mitch and I. 39 00:01:51,200 --> 00:01:53,200 Speaker 3: Because I'm quite unimpressed. 40 00:01:53,400 --> 00:01:55,720 Speaker 2: It is your birthday. And no, we did not spend 41 00:01:55,760 --> 00:01:58,640 Speaker 2: any money on you. We're going to spend thousands and thousands, 42 00:01:58,640 --> 00:02:00,920 Speaker 2: but we knew that we would get vic Tori tone going. 43 00:02:00,960 --> 00:02:03,280 Speaker 2: You need to save money, you need to be frugal. 44 00:02:03,360 --> 00:02:06,120 Speaker 2: So we've done that, Mitch, tell them what we've done. 45 00:02:06,280 --> 00:02:08,320 Speaker 4: Listen, I forget what do we do. 46 00:02:11,000 --> 00:02:14,560 Speaker 2: The free birthday stuff? It's all right, we'll edit it 47 00:02:14,639 --> 00:02:16,960 Speaker 2: out where this goes to where you'll be fight all 48 00:02:17,040 --> 00:02:18,320 Speaker 2: right and go. 49 00:02:18,480 --> 00:02:20,320 Speaker 4: Yes, what we have is and God, I remember this 50 00:02:20,400 --> 00:02:22,280 Speaker 4: like it just happened. This is one of my favorite things. 51 00:02:22,280 --> 00:02:26,200 Speaker 4: And I could never forget doing this because I run 52 00:02:26,280 --> 00:02:29,119 Speaker 4: you through free shit you can get on your birthday. 53 00:02:29,160 --> 00:02:30,760 Speaker 4: And I know you thinking, oh yeah, we all know 54 00:02:30,880 --> 00:02:32,600 Speaker 4: you can get a boost juice that is a bigger 55 00:02:32,600 --> 00:02:34,680 Speaker 4: than boost juice. And I have a lot of culinary ones. 56 00:02:34,720 --> 00:02:36,360 Speaker 4: A lot of it's food related, to be honest, but 57 00:02:36,400 --> 00:02:39,040 Speaker 4: that's all people care about these days. 58 00:02:39,080 --> 00:02:41,560 Speaker 2: Impressed that you said the word culinary in this show. 59 00:02:41,639 --> 00:02:43,520 Speaker 3: Hey, I didn't even know your words so. 60 00:02:43,560 --> 00:02:47,160 Speaker 4: Big, so they pay me the it's like medium sized dollars. 61 00:02:47,200 --> 00:02:50,839 Speaker 4: It's kind of in the medium. Yeah, yeah, yeah, I do. Fine. 62 00:02:51,080 --> 00:02:52,640 Speaker 3: I'm going to bring up uber eats again and remember 63 00:02:52,639 --> 00:02:55,400 Speaker 3: the time you spent seventeen thousand dollars in one financial 64 00:02:55,480 --> 00:02:56,160 Speaker 3: year on uber eat. 65 00:02:56,240 --> 00:02:57,000 Speaker 4: But that's we can talk. 66 00:02:57,080 --> 00:02:59,200 Speaker 3: Oh my gosh, look he's got another bag. 67 00:02:59,360 --> 00:03:03,120 Speaker 2: He does not doing that. But the good news is 68 00:03:04,000 --> 00:03:07,960 Speaker 2: he actually bought that with his tax return. Because we 69 00:03:08,040 --> 00:03:12,600 Speaker 2: have our very last Super Savior Saturday Tax Edition, Victoria. 70 00:03:12,680 --> 00:03:14,840 Speaker 2: We know that you know it's your favorite segment, but 71 00:03:14,919 --> 00:03:17,079 Speaker 2: put tax on top of it. It is your Super 72 00:03:17,160 --> 00:03:18,720 Speaker 2: Savior Saturday Tax Edition. 73 00:03:18,800 --> 00:03:19,320 Speaker 4: You love it. 74 00:03:19,520 --> 00:03:20,400 Speaker 3: I love tax. 75 00:03:20,680 --> 00:03:22,799 Speaker 2: All right, Well, that's enough talking from us. Let's get 76 00:03:22,800 --> 00:03:24,840 Speaker 2: into the show right now. This is She's on the 77 00:03:24,840 --> 00:03:27,880 Speaker 2: Money Radio Show enjoyed everyone. 78 00:03:29,440 --> 00:03:31,440 Speaker 1: She's on The Money Radio Show. 79 00:03:33,480 --> 00:03:39,400 Speaker 4: With Victoria Divine next week. Victoria, it's your birthday. I'm 80 00:03:39,400 --> 00:03:41,320 Speaker 4: in my thirties, embrace it now. 81 00:03:41,360 --> 00:03:43,440 Speaker 2: I'm sorry, but Mitch and I haven't brought you anything 82 00:03:43,680 --> 00:03:46,320 Speaker 2: but to what we know you will won't yet yet. 83 00:03:46,400 --> 00:03:47,600 Speaker 4: No, no, no, no, no, yourself. 84 00:03:47,600 --> 00:03:51,280 Speaker 2: We've done something even better than that because we've gotten 85 00:03:51,320 --> 00:03:55,080 Speaker 2: together and we have found some of the greatest places 86 00:03:55,160 --> 00:03:58,040 Speaker 2: out there. They give you free stuff on your birthday, right, Mitch. 87 00:03:58,200 --> 00:03:59,280 Speaker 4: So, I don't know if you knew this, but if 88 00:03:59,280 --> 00:04:01,400 Speaker 4: you've got a Krispy you show them that it's your birthday. 89 00:04:01,400 --> 00:04:04,680 Speaker 4: You can prove it. You get four free original glazes 90 00:04:04,760 --> 00:04:05,560 Speaker 4: Krispy Kreen. 91 00:04:05,520 --> 00:04:06,840 Speaker 2: Get the hell. 92 00:04:07,000 --> 00:04:08,560 Speaker 3: Oh that's enough a friend. 93 00:04:08,840 --> 00:04:10,920 Speaker 4: Oh well, you're talking to me. That's enough of mid 94 00:04:10,920 --> 00:04:11,720 Speaker 4: morning tea for me. 95 00:04:12,520 --> 00:04:15,280 Speaker 2: If we got tras well, what about on the same 96 00:04:15,360 --> 00:04:18,120 Speaker 2: kind of dessert train going to Baskin Robins you get 97 00:04:18,120 --> 00:04:19,640 Speaker 2: a free scoop of ice cream. 98 00:04:19,839 --> 00:04:20,960 Speaker 3: That's pretty good too. 99 00:04:21,240 --> 00:04:26,239 Speaker 2: Not that, but also, I am an absolute fiend Fernandos. 100 00:04:26,720 --> 00:04:29,680 Speaker 2: If you've ordered something off of their app in the 101 00:04:29,720 --> 00:04:32,200 Speaker 2: last six months, and yeah, let's be honest, we've all 102 00:04:32,279 --> 00:04:34,800 Speaker 2: done it in the last six seconds. You get a 103 00:04:35,000 --> 00:04:36,320 Speaker 2: free meal. 104 00:04:36,200 --> 00:04:39,159 Speaker 3: At Oh my god, that's so exciting for everybody who's 105 00:04:39,200 --> 00:04:40,120 Speaker 3: not me because I'm vegan. 106 00:04:40,440 --> 00:04:41,640 Speaker 2: All right, Mitch, what have you got? 107 00:04:41,640 --> 00:04:44,240 Speaker 4: You can get a free muffin at Mine's off food related. Sorry, 108 00:04:44,279 --> 00:04:45,760 Speaker 4: you get a free muffin at muff and Break. You 109 00:04:45,800 --> 00:04:49,040 Speaker 4: get a free drink at Gloria Jeans, all on your birthday. 110 00:04:49,400 --> 00:04:52,400 Speaker 3: I want someone to call in and tell me that 111 00:04:52,480 --> 00:04:55,479 Speaker 3: they have had a birthday, like they've gone and just 112 00:04:55,640 --> 00:04:57,760 Speaker 3: done all of these things in one day. Like they 113 00:04:57,800 --> 00:04:59,600 Speaker 3: went to Boost for breakfast, then they went and got 114 00:04:59,640 --> 00:05:02,000 Speaker 3: morning to Heresy Cream, they went and got a free 115 00:05:02,080 --> 00:05:04,240 Speaker 3: muffin or sorry, they went to Nando's for lunch. 116 00:05:04,240 --> 00:05:06,359 Speaker 4: That Nando's app Yes, And then they went to. 117 00:05:06,360 --> 00:05:08,359 Speaker 3: Muff and Break and they got their afternoon muffin and 118 00:05:08,360 --> 00:05:10,440 Speaker 3: then a coffee from Glory of Jeans. Like, I want 119 00:05:10,480 --> 00:05:12,840 Speaker 3: someone who's done all of this and had a free 120 00:05:12,920 --> 00:05:13,520 Speaker 3: day of food. 121 00:05:13,560 --> 00:05:16,840 Speaker 4: Oh, you can hit us up on ourselves, DM guys, 122 00:05:16,880 --> 00:05:17,640 Speaker 4: we'll get you on the show. 123 00:05:17,680 --> 00:05:21,240 Speaker 2: And happy birthday, Victoria Divine. If you don't like your presence, 124 00:05:21,360 --> 00:05:23,560 Speaker 2: you know what we did keep the receipts because they 125 00:05:23,600 --> 00:05:29,520 Speaker 2: were free anyway, telling me dream, telling me dream. 126 00:05:29,279 --> 00:05:32,359 Speaker 4: And we do this on the show. We get really 127 00:05:32,520 --> 00:05:36,200 Speaker 4: really ridiculous Facebook Marketplace items that have actually been posted 128 00:05:36,200 --> 00:05:38,240 Speaker 4: to Facebook Marketplace. And if you don't know what Facebook 129 00:05:38,240 --> 00:05:39,719 Speaker 4: Marketplace is, we talk about it a lot. It's like 130 00:05:39,720 --> 00:05:41,800 Speaker 4: eBay or gum Tree, but it's built in to the 131 00:05:41,839 --> 00:05:44,880 Speaker 4: Facebook app. And I absolutely love it. Victoria, You've got 132 00:05:44,880 --> 00:05:45,360 Speaker 4: some good ones. 133 00:05:45,560 --> 00:05:48,039 Speaker 3: I have some bangers for you. So many people have 134 00:05:48,160 --> 00:05:50,440 Speaker 3: messaged us over the last few weeks because we did 135 00:05:50,440 --> 00:05:52,719 Speaker 3: this segment a little while ago and they were like 136 00:05:52,800 --> 00:05:55,240 Speaker 3: they you missed this and this and this, and so 137 00:05:55,360 --> 00:05:57,719 Speaker 3: today I have them for you and I cannot wait 138 00:05:57,760 --> 00:06:00,520 Speaker 3: to share. So first things first, it's not Ritmas, but 139 00:06:00,680 --> 00:06:04,000 Speaker 3: end of financial year for someone like me feels like Christmas. 140 00:06:04,279 --> 00:06:06,799 Speaker 3: So you know what you could buy very festive. Someone 141 00:06:06,839 --> 00:06:10,080 Speaker 3: has taken a clear Christmas ballble filled it full of 142 00:06:10,120 --> 00:06:14,200 Speaker 3: baked beans and made a Christmas decoration out of it. 143 00:06:15,000 --> 00:06:17,719 Speaker 3: What it's not the fact that field a Christmas ornament 144 00:06:17,760 --> 00:06:19,440 Speaker 3: with baked beans, it's the fact that they think they 145 00:06:19,440 --> 00:06:21,240 Speaker 3: can get twenty five dollars for this. 146 00:06:24,240 --> 00:06:25,360 Speaker 4: How much would you pay? 147 00:06:25,520 --> 00:06:27,280 Speaker 3: What wouldn't you pay? Is the real question here? 148 00:06:27,400 --> 00:06:29,480 Speaker 4: Well, that's priceless. To be honest, I've got one. I've 149 00:06:29,520 --> 00:06:31,800 Speaker 4: gone This one is quite simply and you know you 150 00:06:31,880 --> 00:06:33,920 Speaker 4: got to give it to them. Really simple marketing. Here 151 00:06:34,160 --> 00:06:38,080 Speaker 4: it's just called underwear. There's two photos with pink laced 152 00:06:38,120 --> 00:06:42,680 Speaker 4: underwear and black lace and the description is underwear good condition, like. 153 00:06:42,960 --> 00:06:44,320 Speaker 2: New, like new. 154 00:06:44,400 --> 00:06:45,960 Speaker 4: What does like you mean? 155 00:06:46,040 --> 00:06:46,120 Speaker 3: Like? 156 00:06:46,200 --> 00:06:47,960 Speaker 4: It's like lightly warn. 157 00:06:47,839 --> 00:06:49,720 Speaker 3: I'm going to call it. I don't think they're going 158 00:06:49,760 --> 00:06:52,200 Speaker 3: to wear those, kause I don't think that's why they're buying. 159 00:06:52,440 --> 00:06:55,200 Speaker 2: Oh, moving on Saturday. 160 00:06:56,200 --> 00:06:57,159 Speaker 4: Tell them their dreaming. 161 00:06:57,440 --> 00:07:01,919 Speaker 3: I speaking of family show, everybody loves love and what's 162 00:07:01,960 --> 00:07:05,839 Speaker 3: better than love? Then Darren's secondhand engagement ring that he 163 00:07:05,880 --> 00:07:08,000 Speaker 3: would like nine hundred dollars for because he says it 164 00:07:08,040 --> 00:07:10,880 Speaker 3: was the biggest mistake of his life. If anyone's interested. 165 00:07:11,000 --> 00:07:14,239 Speaker 3: It is a princess cut centered diamond on a gold band. 166 00:07:14,920 --> 00:07:17,200 Speaker 2: You being the expert getting married soon? What is that 167 00:07:17,360 --> 00:07:18,360 Speaker 2: is a good ring? Oh? 168 00:07:18,400 --> 00:07:20,880 Speaker 3: Look, it looks all right. I just I don't know 169 00:07:20,920 --> 00:07:23,800 Speaker 3: how much i'd like somebody else's secondhand ring that was 170 00:07:23,880 --> 00:07:25,720 Speaker 3: labeled as the biggest mistake of his life. 171 00:07:25,720 --> 00:07:27,480 Speaker 4: You've already got a haunted You don't want a haunted 172 00:07:27,560 --> 00:07:29,280 Speaker 4: ring on your True. 173 00:07:29,440 --> 00:07:31,200 Speaker 3: The other one I got sent this week is actually, 174 00:07:31,200 --> 00:07:33,920 Speaker 3: see this picture. It's basketball hoop playing on the ground 175 00:07:34,080 --> 00:07:37,160 Speaker 3: and it's this dad and his name's Damien. Damien says 176 00:07:37,360 --> 00:07:40,440 Speaker 3: basketball hoop for sale. I'm really disappointed my son is 177 00:07:40,480 --> 00:07:43,480 Speaker 3: not nearly as athletic as I hope to pick up 178 00:07:43,560 --> 00:07:45,240 Speaker 3: only one hundred dollars. 179 00:07:45,320 --> 00:07:47,320 Speaker 2: Why is your dad selling his basketball hoop? 180 00:07:47,360 --> 00:07:49,600 Speaker 3: Mitch, He's really disappointed his son is not nearly as 181 00:07:49,640 --> 00:07:50,560 Speaker 3: athletic as he at. 182 00:07:50,480 --> 00:07:52,200 Speaker 2: Hope that's what I was implying. 183 00:07:52,280 --> 00:07:54,520 Speaker 3: But I just feel like there's been some winners, and 184 00:07:54,600 --> 00:07:56,880 Speaker 3: unfortunately it was the She's on the Money community who 185 00:07:56,920 --> 00:07:58,840 Speaker 3: found these for us, not us. 186 00:07:58,920 --> 00:08:01,880 Speaker 2: If you have seen something bizarre marketplace hit us up 187 00:08:01,880 --> 00:08:04,920 Speaker 2: on our social was just search She's on the Money. 188 00:08:04,960 --> 00:08:07,400 Speaker 2: And my favorite thing about that was Mitch asked in 189 00:08:07,480 --> 00:08:09,800 Speaker 2: the song, what's the group called? Again? 190 00:08:10,080 --> 00:08:14,400 Speaker 3: Oh? I wonder the group's called She's on the Money because. 191 00:08:14,160 --> 00:08:16,840 Speaker 4: I haven't been accepted in It's like answer these questions 192 00:08:16,840 --> 00:08:18,400 Speaker 4: and I put them in and they're like, now give 193 00:08:18,400 --> 00:08:19,880 Speaker 4: me your data. Bird too much. 194 00:08:20,040 --> 00:08:22,080 Speaker 3: I want to make sure that everybody in that Facebook 195 00:08:22,080 --> 00:08:24,920 Speaker 3: group is like a legit person, not a bot. I'm 196 00:08:24,960 --> 00:08:28,040 Speaker 3: in there every day commenting. I just to actually assume 197 00:08:28,080 --> 00:08:30,600 Speaker 3: that the second you join my Facebook group, we're best friends. 198 00:08:31,040 --> 00:08:33,439 Speaker 3: So I treat you that way. And the question, if 199 00:08:33,440 --> 00:08:35,640 Speaker 3: you actually read them, was like will you agree to 200 00:08:35,679 --> 00:08:37,240 Speaker 3: be nice to everybody in this group? 201 00:08:37,480 --> 00:08:39,240 Speaker 2: And also it's just like, no, I'm not. 202 00:08:39,200 --> 00:08:41,000 Speaker 3: Even reading absolutely not. 203 00:08:41,120 --> 00:08:42,559 Speaker 4: I didn't read it. I'll be He's the. 204 00:08:42,480 --> 00:08:45,959 Speaker 3: One passively aggressively messaging people on Facebook marketplace telling them 205 00:08:45,960 --> 00:08:48,120 Speaker 3: that their items are terrible. Well, so I don't even 206 00:08:48,160 --> 00:08:49,520 Speaker 3: know if I want this guy in the group. 207 00:08:50,320 --> 00:08:52,920 Speaker 4: This is She's on the Money radio show. 208 00:08:57,080 --> 00:08:59,240 Speaker 2: But right now it's time for this. Every single week 209 00:08:59,240 --> 00:09:01,600 Speaker 2: we've got to bring some financial story on air to 210 00:09:01,640 --> 00:09:05,439 Speaker 2: get your advice, Victoria on what they should do. Mitchill, 211 00:09:05,440 --> 00:09:06,240 Speaker 2: we got this week. 212 00:09:06,160 --> 00:09:08,520 Speaker 4: Yeah we have. Sam. Sam sent us this message. She said, 213 00:09:08,720 --> 00:09:11,040 Speaker 4: I just had four weeks annually've approved for the end 214 00:09:11,040 --> 00:09:13,040 Speaker 4: of the year and want to start booking accommodation in 215 00:09:13,080 --> 00:09:14,800 Speaker 4: for a holiday, which is smart. She wants to get 216 00:09:14,800 --> 00:09:18,000 Speaker 4: in early, but she's noticed in just a few weeks 217 00:09:18,120 --> 00:09:21,920 Speaker 4: looking online that the prices keep fluctuating. One apartment was 218 00:09:21,960 --> 00:09:24,839 Speaker 4: going to cost two grand for a few days, but 219 00:09:24,880 --> 00:09:27,080 Speaker 4: then she checked back right the next day and it 220 00:09:27,120 --> 00:09:29,320 Speaker 4: was up to twenty five hundred for the same room, 221 00:09:29,600 --> 00:09:33,200 Speaker 4: exact same dates. She says, why does accommodation fluctuate in 222 00:09:33,240 --> 00:09:35,280 Speaker 4: price so much? And how far out from a trip 223 00:09:35,520 --> 00:09:37,120 Speaker 4: is the cheapest time to book accommodation? 224 00:09:37,440 --> 00:09:39,760 Speaker 2: Is this your confession that we were trying to get 225 00:09:39,800 --> 00:09:40,240 Speaker 2: out of you. 226 00:09:40,480 --> 00:09:43,160 Speaker 3: This is at the start of the show, like the 227 00:09:43,360 --> 00:09:45,960 Speaker 3: silliest person in the entire world, because when it comes 228 00:09:45,960 --> 00:09:49,000 Speaker 3: to money, like I'm the one that's entrusted by all 229 00:09:49,040 --> 00:09:52,440 Speaker 3: of my friends to make sure that iBook and so like, guys, 230 00:09:52,559 --> 00:09:55,360 Speaker 3: I have covered this, so like this is my money mistake. 231 00:09:55,440 --> 00:09:57,840 Speaker 3: I'm not passing it on to my friends. But a 232 00:09:57,880 --> 00:09:59,680 Speaker 3: couple of weeks ago, I told you, guys that I'd 233 00:09:59,679 --> 00:10:02,640 Speaker 3: like work doubt when the cheapest time to book flights 234 00:10:02,800 --> 00:10:06,560 Speaker 3: was Tuesday eight pm. I also told you that you 235 00:10:06,559 --> 00:10:09,400 Speaker 3: should do it on a device that doesn't have cookies 236 00:10:09,440 --> 00:10:12,440 Speaker 3: on it, so that's either on your mateslack laptop or whatever. 237 00:10:12,840 --> 00:10:16,880 Speaker 3: So I did that by going into private browsing. Somehow 238 00:10:17,040 --> 00:10:22,480 Speaker 3: I ended up on the American version of Sky Yes, 239 00:10:22,559 --> 00:10:24,520 Speaker 3: so we can probably play a guess and game and 240 00:10:24,840 --> 00:10:27,840 Speaker 3: the conversion rate to usd at the moment, not that 241 00:10:28,000 --> 00:10:31,400 Speaker 3: sexy guess who paid for all of her friend's flights 242 00:10:31,400 --> 00:10:34,880 Speaker 3: in USD instead of aud and definitely didn't get the 243 00:10:34,880 --> 00:10:37,920 Speaker 3: deal of the lifetime she thought she oh, yes, And 244 00:10:38,040 --> 00:10:40,960 Speaker 3: I didn't know until I was reviewing my credit card 245 00:10:41,040 --> 00:10:43,320 Speaker 3: statement the other day and I was like, what is 246 00:10:43,360 --> 00:10:45,840 Speaker 3: this Like? That is not what I spent on flights 247 00:10:46,120 --> 00:10:48,880 Speaker 3: cross checked it called them. Was a bit of a 248 00:10:48,960 --> 00:10:51,000 Speaker 3: Karen on the phone because I was like, please explain this, 249 00:10:51,400 --> 00:10:53,400 Speaker 3: and the poor girl on the phone had to be like, Victoria, 250 00:10:53,600 --> 00:10:56,199 Speaker 3: you have booked your flights in USD, so there was 251 00:10:56,240 --> 00:10:58,440 Speaker 3: an exchange rate payable and your screwed. 252 00:10:58,640 --> 00:11:01,560 Speaker 2: My question to you is do you still go and 253 00:11:01,600 --> 00:11:03,520 Speaker 2: be the hero to your friends or you just capt 254 00:11:03,559 --> 00:11:04,679 Speaker 2: that extra money yourself. 255 00:11:04,880 --> 00:11:07,439 Speaker 3: So I've been the hero to my friends. I felt 256 00:11:07,480 --> 00:11:09,720 Speaker 3: like it wasn't their fault. I made such a big 257 00:11:09,800 --> 00:11:12,280 Speaker 3: money blunder. I'm just copying that one on the nose. 258 00:11:12,360 --> 00:11:14,600 Speaker 3: It was a very expensive mistake, but I just don't 259 00:11:14,600 --> 00:11:17,160 Speaker 3: want to pass that on. I feel like that wasn't 260 00:11:17,240 --> 00:11:20,280 Speaker 3: their fault. I messed it up and the flights genuinely 261 00:11:20,320 --> 00:11:22,480 Speaker 3: were that amount. I just happened to pay for them 262 00:11:22,480 --> 00:11:27,480 Speaker 3: in the wrong currency. Oh so that was no real advice, 263 00:11:27,800 --> 00:11:30,320 Speaker 3: no real advice, But I feel like pre booking is 264 00:11:30,360 --> 00:11:33,360 Speaker 3: really important when it comes to accommodation. Yeah, if you're 265 00:11:33,360 --> 00:11:37,160 Speaker 3: planning on going on a holiday, it always pays to 266 00:11:37,440 --> 00:11:39,880 Speaker 3: do those flexy ones. So you're like, you know, any 267 00:11:39,920 --> 00:11:41,040 Speaker 3: book and you're like, go online. 268 00:11:41,200 --> 00:11:42,560 Speaker 4: Yes, what does flexi mean? 269 00:11:42,679 --> 00:11:45,079 Speaker 3: Yeah, it means you can like unbook and rebook if 270 00:11:45,120 --> 00:11:48,280 Speaker 3: the price changes, and closer to the date, often the 271 00:11:48,360 --> 00:11:52,040 Speaker 3: price does change cheaper. Yeah, usually it gets a little 272 00:11:52,040 --> 00:11:53,640 Speaker 3: bit cheaper because they're like trying to fill it up. 273 00:11:53,720 --> 00:11:53,960 Speaker 2: Yeah. 274 00:11:54,040 --> 00:11:56,280 Speaker 3: Also, if it doesn't get cheaper, at least you've locked 275 00:11:56,320 --> 00:11:59,520 Speaker 3: in the smallest rake, right. But if you prebook and 276 00:11:59,720 --> 00:12:02,760 Speaker 3: pick non flexy often they will go all right, well 277 00:12:02,800 --> 00:12:05,520 Speaker 3: you locked it in. It's completely nonrefundable, and even if 278 00:12:05,559 --> 00:12:08,480 Speaker 3: you see it cheaper elsewhere, you can't get a better deal. 279 00:12:08,760 --> 00:12:10,880 Speaker 3: So if I was in that situation one, I'm a 280 00:12:10,880 --> 00:12:12,520 Speaker 3: little bit of a hustler when it comes to getting 281 00:12:12,520 --> 00:12:15,400 Speaker 3: a good deal. So if I saw my room rate 282 00:12:15,520 --> 00:12:17,760 Speaker 3: at a cheaper rate before I left, I'd probably still 283 00:12:17,800 --> 00:12:19,720 Speaker 3: call them anyway and be like, yo, I saw this, 284 00:12:19,840 --> 00:12:22,120 Speaker 3: can I please have it price matched or something? For 285 00:12:22,160 --> 00:12:23,240 Speaker 3: them to say you. 286 00:12:23,160 --> 00:12:23,680 Speaker 4: Have no shame. 287 00:12:23,960 --> 00:12:26,000 Speaker 3: I have no shame. Honestly, the money win is a 288 00:12:26,080 --> 00:12:28,760 Speaker 3: money wins exactly. And my favorite part about it is 289 00:12:28,800 --> 00:12:31,439 Speaker 3: everybody thinks it's like asking too much, but like, think 290 00:12:31,440 --> 00:12:33,200 Speaker 3: about the types of people that you call. They're just 291 00:12:33,200 --> 00:12:35,520 Speaker 3: like you and I. They're either working in the call center, 292 00:12:35,640 --> 00:12:38,800 Speaker 3: they're like on reception. Well, like they get it. They 293 00:12:38,840 --> 00:12:40,880 Speaker 3: want a good deal too, and if you're nice to 294 00:12:40,920 --> 00:12:42,439 Speaker 3: them on the phone, they're very likely to be like, 295 00:12:42,480 --> 00:12:45,080 Speaker 3: all right, try have like that makes sense. Story checks out. 296 00:12:45,200 --> 00:12:46,960 Speaker 4: So the takeaway is have no shame. 297 00:12:47,360 --> 00:12:49,240 Speaker 3: No shame because if you don't ask, the answer it's 298 00:12:49,240 --> 00:12:51,440 Speaker 3: always no. It's not like you're calling their CEO of 299 00:12:51,480 --> 00:12:53,720 Speaker 3: Crown Hotels and asking him for a discount. You're just 300 00:12:53,760 --> 00:12:56,320 Speaker 3: calling the nice people that work on reception and going, hey, 301 00:12:56,640 --> 00:12:58,280 Speaker 3: saw this at a better rate. What can you do? 302 00:12:58,480 --> 00:13:00,160 Speaker 3: And they might not be able to change it. What 303 00:13:00,200 --> 00:13:04,960 Speaker 3: they could do is potentially upgrade your checking or something like. 304 00:13:05,040 --> 00:13:06,280 Speaker 3: There's always a deal to be had. 305 00:13:06,880 --> 00:13:10,199 Speaker 2: Speaking of deals to be had, super save a Saturday, Victoria, 306 00:13:10,480 --> 00:13:12,160 Speaker 2: you're going to give us some sneaky tips on. 307 00:13:12,440 --> 00:13:15,040 Speaker 3: As if I haven't been giving you enough sneaky tips today. 308 00:13:15,240 --> 00:13:17,280 Speaker 2: That's what you get paid for, mate, if you want 309 00:13:17,280 --> 00:13:18,080 Speaker 2: to keep them coming. 310 00:13:18,200 --> 00:13:19,560 Speaker 4: It's the show's actually the show. 311 00:13:19,880 --> 00:13:22,960 Speaker 2: Sorry, guys, we're not doing the show anymore because Victoria 312 00:13:23,040 --> 00:13:24,760 Speaker 2: has over you to give. 313 00:13:24,600 --> 00:13:26,560 Speaker 1: You Super Save Saturday. 314 00:13:27,080 --> 00:13:29,760 Speaker 4: Yes said, it's ere first everyone, and the financial year 315 00:13:29,800 --> 00:13:32,240 Speaker 4: is on the last week of financial year. Actually, so 316 00:13:32,280 --> 00:13:34,480 Speaker 4: we've got some tax tips to help you save some 317 00:13:34,520 --> 00:13:36,920 Speaker 4: money in your tax return. Victoria. You've got a couple 318 00:13:36,960 --> 00:13:38,000 Speaker 4: of them in your hot pocket. 319 00:13:38,120 --> 00:13:40,439 Speaker 3: I do, I always do. Can it be like tax 320 00:13:40,520 --> 00:13:42,440 Speaker 3: time tips or does I have to be a specific 321 00:13:42,520 --> 00:13:43,680 Speaker 3: tax related tip? 322 00:13:43,760 --> 00:13:45,440 Speaker 4: You know what, Give us whatever tips you want, Victoria, 323 00:13:45,440 --> 00:13:45,760 Speaker 4: We'll take it. 324 00:13:46,600 --> 00:13:49,760 Speaker 3: So my first tax time tip is it's end of 325 00:13:49,800 --> 00:13:52,600 Speaker 3: financial years, so, like, what a better time to set 326 00:13:52,640 --> 00:13:55,960 Speaker 3: some financial goals and actually think about where we're going 327 00:13:55,960 --> 00:13:57,839 Speaker 3: for the next six or twelve months. I feel like 328 00:13:57,880 --> 00:14:00,800 Speaker 3: too many of us wait until the first January to 329 00:14:00,880 --> 00:14:04,320 Speaker 3: make new goals and resolutions to save money, and when 330 00:14:04,320 --> 00:14:06,800 Speaker 3: it gets to June thirty, you're like, oh, so far, 331 00:14:06,840 --> 00:14:08,599 Speaker 3: I can't believe I haven't saved x y Z or 332 00:14:08,600 --> 00:14:11,200 Speaker 3: I can't believe I did this. So this year it's 333 00:14:11,240 --> 00:14:13,400 Speaker 3: all about shopping around and getting the best deal. So 334 00:14:13,440 --> 00:14:15,599 Speaker 3: if you haven't relooked at your phone plan, or you 335 00:14:15,600 --> 00:14:18,480 Speaker 3: haven't looked at your electricity recently, or you haven't really 336 00:14:18,520 --> 00:14:21,520 Speaker 3: culled down your streaming services, now, my friend, is the 337 00:14:21,600 --> 00:14:23,960 Speaker 3: time to set yourself up for a very healthy July. 338 00:14:24,320 --> 00:14:25,240 Speaker 4: A personal audit. 339 00:14:25,480 --> 00:14:27,400 Speaker 3: Yeah, do a little personal audit and have a look 340 00:14:27,440 --> 00:14:29,720 Speaker 3: at what you're spending. You could save some money. 341 00:14:29,920 --> 00:14:30,480 Speaker 4: Yeah all right. 342 00:14:30,520 --> 00:14:33,400 Speaker 3: Well, next one I've got is actually a little bit niche. 343 00:14:33,680 --> 00:14:36,640 Speaker 3: But the reason I'm saying it is because the ATO 344 00:14:36,640 --> 00:14:40,600 Speaker 3: spokesperson came out late last year and said this to Cansta, 345 00:14:40,880 --> 00:14:44,080 Speaker 3: who happens to be the company that Budget Direct won 346 00:14:44,160 --> 00:14:45,160 Speaker 3: so many awards with. 347 00:14:45,440 --> 00:14:47,080 Speaker 2: Yes, did you say link? 348 00:14:47,200 --> 00:14:47,440 Speaker 1: Yeah? 349 00:14:47,440 --> 00:14:51,480 Speaker 3: Absolutely, But the ATO spokesperson came out and said, this 350 00:14:51,560 --> 00:14:54,880 Speaker 3: year we're going to be paying close attention to capital gains, 351 00:14:55,280 --> 00:14:59,640 Speaker 3: in particular from cryptocurrency as well as traditional property and 352 00:14:59,680 --> 00:15:04,360 Speaker 3: shared But too many people don't understand that if you 353 00:15:04,480 --> 00:15:06,880 Speaker 3: bought and sold crypto currency, because I feel like that 354 00:15:07,000 --> 00:15:08,880 Speaker 3: was real trendy. 355 00:15:08,440 --> 00:15:11,640 Speaker 2: Heaps of people did, Yeah. 356 00:15:10,680 --> 00:15:12,920 Speaker 3: You're gonna have to pay capital gains tax on that. 357 00:15:13,160 --> 00:15:15,240 Speaker 3: So if you're not prepared for that, now is the 358 00:15:15,280 --> 00:15:16,560 Speaker 3: time to have a bit of a look at what 359 00:15:16,600 --> 00:15:18,840 Speaker 3: you could be up for. Because if you're jumping up 360 00:15:18,840 --> 00:15:21,480 Speaker 3: and down about having made some money on crypto, did 361 00:15:21,560 --> 00:15:24,360 Speaker 3: you know that you have to pay fifty percent capital 362 00:15:24,960 --> 00:15:28,800 Speaker 3: tax if you sell that with owning it, it's wild? 363 00:15:29,080 --> 00:15:31,160 Speaker 3: And then the next one you said make it juicy, 364 00:15:31,240 --> 00:15:33,560 Speaker 3: niche do you know want juicy? Do you? There's nothing 365 00:15:33,680 --> 00:15:40,120 Speaker 3: sexier than superannuation? One thing is sex in the morning. 366 00:15:42,080 --> 00:15:44,560 Speaker 3: I will and if you're looking to get a little 367 00:15:44,560 --> 00:15:46,920 Speaker 3: bit more bang for your buck and you haven't recently 368 00:15:47,280 --> 00:15:49,520 Speaker 3: looked at your super fund, I'd be having a look 369 00:15:49,560 --> 00:15:52,280 Speaker 3: at that and working out whether making a non concessional 370 00:15:52,320 --> 00:15:54,920 Speaker 3: contribution is a smart idea for you, which means putting 371 00:15:54,920 --> 00:15:57,800 Speaker 3: extra cash in because you will get a tax refund 372 00:15:57,880 --> 00:16:01,320 Speaker 3: on that because the tax rate inside superannuations only fifteen. 373 00:16:02,080 --> 00:16:06,720 Speaker 3: Oh mey sexy. There's obviously caps and stuff associated, So 374 00:16:06,800 --> 00:16:08,360 Speaker 3: definitely have a look and make sure it is in 375 00:16:08,400 --> 00:16:10,320 Speaker 3: line with your values. But you could have a bit 376 00:16:10,360 --> 00:16:12,320 Speaker 3: of a money win for future you by putting some 377 00:16:12,360 --> 00:16:13,440 Speaker 3: more money in super this year. 378 00:16:13,560 --> 00:16:15,800 Speaker 2: Yeah, I know what that is? Way too many tips. 379 00:16:15,800 --> 00:16:18,560 Speaker 2: I am way too excited for a Saturday morning, So 380 00:16:18,680 --> 00:16:23,040 Speaker 2: I think it's time before you overload my brain and mitches. 381 00:16:23,160 --> 00:16:24,760 Speaker 2: Let's get out of here. We're going to catch up 382 00:16:24,800 --> 00:16:26,720 Speaker 2: with you next week. Until then, you can catch up 383 00:16:26,760 --> 00:16:30,600 Speaker 2: with us anytime that you like, anytime, just certainly anytime. 384 00:16:30,600 --> 00:16:32,120 Speaker 3: We basically live on the internet. 385 00:16:32,200 --> 00:16:34,640 Speaker 2: Yeah, she's on The Money on Socials. 386 00:16:35,160 --> 00:16:37,440 Speaker 3: She missed Denny If she's on The Money radio show 387 00:16:37,480 --> 00:16:38,600 Speaker 3: with Victoria Devine. 388 00:16:38,760 --> 00:16:41,640 Speaker 1: Hear it on the catch Up podcast on iHeartRadio.