1 00:00:00,440 --> 00:00:01,800 Speaker 1: On air and I have radio. 2 00:00:03,920 --> 00:00:05,920 Speaker 2: She's on The Money Radio Show. 3 00:00:07,400 --> 00:00:08,639 Speaker 1: With Victoria Divines. 4 00:00:08,880 --> 00:00:11,319 Speaker 2: Starts now, Oh, hello and welcome to this. 5 00:00:11,440 --> 00:00:14,280 Speaker 3: She's on the Money Radio Show podcast, the radio show 6 00:00:14,320 --> 00:00:18,160 Speaker 3: podcast for millennials who want financial freedom. And now we've got, 7 00:00:18,200 --> 00:00:23,119 Speaker 3: speaking of podcasts, the host of the Australian Podcast Awards, 8 00:00:23,160 --> 00:00:28,520 Speaker 3: Mitch Tury and winner of another Australian Podcast Award, Victoria Devine. 9 00:00:28,680 --> 00:00:31,840 Speaker 4: Oh my gosh, Mitch, how good is this? We're talking 10 00:00:31,840 --> 00:00:34,640 Speaker 4: about podcasts on a podcast pod, Sash. 11 00:00:35,200 --> 00:00:38,440 Speaker 1: It's meta, everybody. Let's talk about the forecast in the 12 00:00:38,440 --> 00:00:40,320 Speaker 1: weather and that way we can get really met at 13 00:00:40,360 --> 00:00:41,680 Speaker 1: every kind of cast there is. 14 00:00:41,840 --> 00:00:45,040 Speaker 4: I'm really excited about this award actually because I worked 15 00:00:45,080 --> 00:00:47,559 Speaker 4: really hard to get this. If we're honest, obviously you 16 00:00:47,560 --> 00:00:49,760 Speaker 4: guys have heard me say Budge direct intro and solved 17 00:00:49,800 --> 00:00:53,040 Speaker 4: a million times. But they gave us so much creative 18 00:00:53,080 --> 00:00:55,520 Speaker 4: control on a really big campaign this year. We worked 19 00:00:55,560 --> 00:00:58,120 Speaker 4: really well with them and we made sure that it 20 00:00:58,160 --> 00:01:00,400 Speaker 4: was really organic and that our community love it, which 21 00:01:00,440 --> 00:01:02,120 Speaker 4: I think is the most important thing for me. That 22 00:01:02,200 --> 00:01:04,520 Speaker 4: it just really resonates with our community and we got 23 00:01:04,560 --> 00:01:07,360 Speaker 4: an award for it, So I think. 24 00:01:07,200 --> 00:01:09,240 Speaker 2: That's the best way to do it, like budget directs. 25 00:01:09,240 --> 00:01:11,920 Speaker 3: Like when you actually have a product that you're sponsored 26 00:01:11,959 --> 00:01:14,640 Speaker 3: by that you actually love, it is so easy just 27 00:01:14,680 --> 00:01:17,080 Speaker 3: to work it in organically because you love it and 28 00:01:17,120 --> 00:01:19,640 Speaker 3: you use it genuinely. So that's what happens when you 29 00:01:19,680 --> 00:01:21,240 Speaker 3: do that, you get an award for it just for 30 00:01:21,319 --> 00:01:21,600 Speaker 3: being you. 31 00:01:21,880 --> 00:01:25,399 Speaker 4: Absolutely so, I absolutely loved it. I feel very grateful 32 00:01:25,400 --> 00:01:27,440 Speaker 4: to work in this space and also to just work 33 00:01:27,480 --> 00:01:30,240 Speaker 4: with my community every day, like it is just so 34 00:01:30,520 --> 00:01:32,520 Speaker 4: fun and I feel like that was one of my 35 00:01:32,560 --> 00:01:34,920 Speaker 4: favorite things at the Pod Awards, which was that just 36 00:01:34,959 --> 00:01:37,640 Speaker 4: like overwhelming sense of community and that everyone's kind of 37 00:01:37,720 --> 00:01:40,360 Speaker 4: got everyone's back, and we were talking about things and 38 00:01:40,440 --> 00:01:42,000 Speaker 4: just being like, oh, if you don't know, like, I'll 39 00:01:42,040 --> 00:01:43,800 Speaker 4: have a chat to you after this, I'll show you 40 00:01:43,840 --> 00:01:46,319 Speaker 4: what we do. Because it's kind of like Podland is 41 00:01:46,360 --> 00:01:47,919 Speaker 4: still a bit like the wild West. 42 00:01:48,120 --> 00:01:50,880 Speaker 5: People don't really know what they're doing. But so far, 43 00:01:51,000 --> 00:01:51,640 Speaker 5: so good, guys. 44 00:01:51,840 --> 00:01:54,800 Speaker 2: So you're saying that the thousand dollars under your seat. 45 00:01:54,560 --> 00:01:57,160 Speaker 5: Was now it was right, it was lie Mitch was lying. 46 00:01:57,680 --> 00:01:59,920 Speaker 4: At the Podcast Awards, he told everybody there was a 47 00:02:00,040 --> 00:02:02,160 Speaker 4: thousand dollars under my seat, and then there wasn't trap. 48 00:02:02,240 --> 00:02:04,200 Speaker 1: There was. Actually there was a second joke. So my 49 00:02:04,240 --> 00:02:06,360 Speaker 1: first joke you'll hear in today's episode, but I'll give 50 00:02:06,360 --> 00:02:09,399 Speaker 1: you an exclusive pod joke number two. So I said, 51 00:02:09,440 --> 00:02:11,320 Speaker 1: Victoria Devine he had the first joke, and then I said, no, 52 00:02:11,480 --> 00:02:14,400 Speaker 1: Victoria is not. Actually here's she's stuck in Melbourne. She 53 00:02:14,400 --> 00:02:16,360 Speaker 1: didn't budget the trip budgeted. 54 00:02:19,120 --> 00:02:20,680 Speaker 4: You guys are laughing because you know I would have 55 00:02:20,720 --> 00:02:22,880 Speaker 4: budgeted for that tally. There was funny because that never 56 00:02:22,880 --> 00:02:23,440 Speaker 4: would have happened. 57 00:02:23,520 --> 00:02:25,679 Speaker 3: There wasn't a thousand bucks under her seat. There was 58 00:02:25,720 --> 00:02:27,720 Speaker 3: probably eight thousand bucks. It was one of her bags 59 00:02:27,720 --> 00:02:29,399 Speaker 3: that she was probably carrying, right Mitch. 60 00:02:30,040 --> 00:02:33,679 Speaker 4: Use you know what was under my seat? This fair 61 00:02:33,760 --> 00:02:35,320 Speaker 4: wine I got before we went in. 62 00:02:36,520 --> 00:02:37,200 Speaker 1: We needed that. 63 00:02:37,320 --> 00:02:40,240 Speaker 4: It was a theater style event, and I was like, 64 00:02:40,320 --> 00:02:42,600 Speaker 4: I am not going in here with just one champagne, 65 00:02:42,600 --> 00:02:44,799 Speaker 4: so I ordered too, stuck one under my champs Can 66 00:02:44,840 --> 00:02:50,440 Speaker 4: I just say lass is because I am a genius. 67 00:02:49,040 --> 00:02:50,960 Speaker 1: You're a superstar. The funny part was v and I 68 00:02:51,000 --> 00:02:53,359 Speaker 1: walked out of the auditorium where I stepped off the stage. 69 00:02:53,560 --> 00:02:56,160 Speaker 1: Let's go have a drink and celebrate your big, big success. 70 00:02:56,520 --> 00:02:57,800 Speaker 1: Then we go out the way to walks up to 71 00:02:57,840 --> 00:03:00,560 Speaker 1: V and I and goes, Hi, congratulations on win. Can 72 00:03:00,600 --> 00:03:03,080 Speaker 1: I interest if you want a chicken corma or a 73 00:03:03,080 --> 00:03:03,760 Speaker 1: bottle of chicken? 74 00:03:04,120 --> 00:03:05,720 Speaker 5: Oh my gosh. It was so weird. 75 00:03:05,919 --> 00:03:08,760 Speaker 4: So it was a stand up event right, so theater 76 00:03:08,880 --> 00:03:10,880 Speaker 4: style event. And then straight after the event there was 77 00:03:10,919 --> 00:03:12,799 Speaker 4: like drinks and mingling of food, and I think Mitch 78 00:03:12,840 --> 00:03:14,840 Speaker 4: and I were waiting to get like a little spring 79 00:03:14,919 --> 00:03:18,680 Speaker 4: roll or something, you know, food like yeah, yeah, money bags, 80 00:03:18,720 --> 00:03:21,640 Speaker 4: anything fried turn out of ten to me. They had 81 00:03:21,800 --> 00:03:26,200 Speaker 4: bowls going around with mashed potato and curry what I 82 00:03:26,280 --> 00:03:29,720 Speaker 4: don't know, but like so good. Everybody's holding glasses and 83 00:03:29,760 --> 00:03:32,160 Speaker 4: then what expected to hold a bowl of curry and 84 00:03:32,240 --> 00:03:35,440 Speaker 4: not going it everywhere? But then all of the award 85 00:03:35,440 --> 00:03:38,800 Speaker 4: winners we had our glasses of champagne, our award in 86 00:03:38,840 --> 00:03:41,320 Speaker 4: another hand, like how were we ever going to eat 87 00:03:41,320 --> 00:03:43,880 Speaker 4: the curry? So when we got back to the hotels, 88 00:03:43,920 --> 00:03:46,280 Speaker 4: Steve and I ordered a really big pizza. 89 00:03:46,560 --> 00:03:50,040 Speaker 1: Oh nice. I had to stand there talking to Sandra 90 00:03:50,120 --> 00:03:51,600 Speaker 1: Sally eating a ghul lash. 91 00:03:51,360 --> 00:03:56,960 Speaker 3: It on the show We should talk about the show today. 92 00:03:56,960 --> 00:04:00,920 Speaker 3: It was actually rack Victoria nearly died of a heart 93 00:04:00,920 --> 00:04:01,800 Speaker 3: attack after. 94 00:04:01,600 --> 00:04:05,160 Speaker 4: She that's the most mortifying sound that whoever been recorded. 95 00:04:05,280 --> 00:04:07,480 Speaker 2: I'm going to use that as my ringtone from now. 96 00:04:07,760 --> 00:04:08,520 Speaker 2: It is amazing. 97 00:04:08,840 --> 00:04:10,280 Speaker 5: I would be like, who's having a feat? 98 00:04:11,360 --> 00:04:13,680 Speaker 3: We talk about Black Friday sales again? Are we going 99 00:04:13,720 --> 00:04:16,360 Speaker 3: to give your heads up? Because we're still amidst them 100 00:04:16,360 --> 00:04:18,160 Speaker 3: all some of the biggest deals and some of the 101 00:04:18,200 --> 00:04:21,200 Speaker 3: biggest things you can get involved in, but also. 102 00:04:21,360 --> 00:04:22,560 Speaker 5: The most excitingly. 103 00:04:22,800 --> 00:04:25,120 Speaker 2: Yeah, well, the buy now the after. 104 00:04:24,880 --> 00:04:27,280 Speaker 4: Reforms in the buy now, pay later sector here in 105 00:04:27,320 --> 00:04:30,200 Speaker 4: Australia we are going to discuss kind of in depth. 106 00:04:30,640 --> 00:04:32,640 Speaker 4: I don't know how it's going to end up sounding 107 00:04:32,760 --> 00:04:34,839 Speaker 4: because I went on and on and on, and I 108 00:04:34,839 --> 00:04:37,279 Speaker 4: think Trav just turned me off halfway. But that's okay 109 00:04:37,440 --> 00:04:40,159 Speaker 4: because I will continue to talk about it on the pot. 110 00:04:40,200 --> 00:04:41,760 Speaker 2: That's what I do to women all the time. 111 00:04:41,920 --> 00:04:47,080 Speaker 5: Anyways, moving on, how that we get straight into. 112 00:04:47,480 --> 00:04:49,280 Speaker 3: To get into the show right now, it is she's 113 00:04:49,320 --> 00:04:52,640 Speaker 3: on the Money radio show Saturday morning right across the country. 114 00:04:52,720 --> 00:04:55,080 Speaker 3: It's She's on the Money Radio show with Australia's number 115 00:04:55,120 --> 00:04:59,039 Speaker 3: one finance podcast and now married Victoria Devine and Mitch 116 00:04:59,120 --> 00:04:59,880 Speaker 3: Churry as well. 117 00:05:00,080 --> 00:05:02,200 Speaker 5: How long can I milk that for? Do you think. 118 00:05:02,360 --> 00:05:04,080 Speaker 1: Perpetually until you get divorced. 119 00:05:04,320 --> 00:05:06,680 Speaker 5: Oh my gosh, and then I can milk a divorce. 120 00:05:06,720 --> 00:05:08,760 Speaker 1: Now, Trev, Can I just say the one person I 121 00:05:08,760 --> 00:05:12,240 Speaker 1: would never want a divorce is Finance podcast a Victoria Devine, 122 00:05:12,279 --> 00:05:14,640 Speaker 1: where you'd get screwed. You wouldn't get the boat, she'd 123 00:05:14,680 --> 00:05:17,919 Speaker 1: take the spatula from the kitchen. Oh my god, we don't. 124 00:05:17,760 --> 00:05:18,560 Speaker 5: Even have a boat. 125 00:05:18,640 --> 00:05:20,800 Speaker 4: But you best believe if we were getting a divorce, 126 00:05:20,920 --> 00:05:22,240 Speaker 4: I'd end up with your get. 127 00:05:22,160 --> 00:05:24,440 Speaker 3: It and you know what, you would need to listen 128 00:05:24,440 --> 00:05:26,520 Speaker 3: to Super Savis Saturday. You'd have a lot of money 129 00:05:26,680 --> 00:05:29,360 Speaker 3: lemmas as well, which you're going to hear about here 130 00:05:29,400 --> 00:05:32,000 Speaker 3: in the show a little bit later on. But right 131 00:05:32,040 --> 00:05:35,000 Speaker 3: now we're talking about the buy now, pay later market. 132 00:05:35,160 --> 00:05:37,960 Speaker 5: I am so excited about this. 133 00:05:37,960 --> 00:05:41,320 Speaker 4: This reform made me download Twitter so I could tweet 134 00:05:41,360 --> 00:05:43,640 Speaker 4: about it because I was like, Lucy, is it guys? 135 00:05:43,720 --> 00:05:45,320 Speaker 1: So what do you reform? 136 00:05:45,560 --> 00:05:47,760 Speaker 4: Well, here in Australia we have buy now, pay later, 137 00:05:47,839 --> 00:05:50,599 Speaker 4: so that's things like after pay and zip pay, and 138 00:05:51,160 --> 00:05:54,640 Speaker 4: right now they don't actually have to stick to the 139 00:05:54,720 --> 00:05:57,800 Speaker 4: rules that credit cards adhere to. So at the moment 140 00:05:57,839 --> 00:06:01,600 Speaker 4: there's existing rules for credit cards and they keep people safe. 141 00:06:01,760 --> 00:06:03,760 Speaker 5: So if you went Mitch to go and. 142 00:06:03,800 --> 00:06:06,240 Speaker 4: Sign up for a credit card today, they would be like, oh, 143 00:06:06,320 --> 00:06:08,440 Speaker 4: let me just quickly check your credit score and whether 144 00:06:08,480 --> 00:06:11,159 Speaker 4: you can afford this. They don't do those types of 145 00:06:11,279 --> 00:06:13,760 Speaker 4: checks before you join a buy now, pay later company, 146 00:06:13,760 --> 00:06:16,840 Speaker 4: which I think is quite toxic. So there has been 147 00:06:16,880 --> 00:06:19,279 Speaker 4: a move and a paper release that is aiming to 148 00:06:19,279 --> 00:06:23,000 Speaker 4: put in place some regulation for their sixteen million dollar 149 00:06:23,080 --> 00:06:23,640 Speaker 4: by now. 150 00:06:23,600 --> 00:06:26,840 Speaker 5: Pay Later sector here in Australia. I love it. 151 00:06:27,520 --> 00:06:29,680 Speaker 4: Not to get too political about it, but the Albanzi 152 00:06:29,760 --> 00:06:32,000 Speaker 4: government has been doing good things in this space. And 153 00:06:32,160 --> 00:06:35,000 Speaker 4: the paper was released last Monday, and to summarize it 154 00:06:35,040 --> 00:06:37,839 Speaker 4: really quick for you, basically has three different options for 155 00:06:37,960 --> 00:06:41,359 Speaker 4: reform and it concludes stuff like expanding the National Consumer 156 00:06:41,400 --> 00:06:44,840 Speaker 4: Credit Protection Act to include by now Pay Later, which 157 00:06:44,839 --> 00:06:48,520 Speaker 4: from my perspective as an ex financial advisor, is one 158 00:06:48,520 --> 00:06:50,800 Speaker 4: of the easiest ways to just make sure it's a 159 00:06:50,839 --> 00:06:53,520 Speaker 4: completely level playing field, because at the end of the day, 160 00:06:53,960 --> 00:06:56,599 Speaker 4: buy now, Pay later is a form of credit, like 161 00:06:56,640 --> 00:06:59,200 Speaker 4: you are borrowing money that you do not have to 162 00:06:59,279 --> 00:07:02,120 Speaker 4: pay for fee that you currently can't afford. 163 00:07:02,200 --> 00:07:04,120 Speaker 5: And that's okay, but I think what we need to 164 00:07:04,120 --> 00:07:04,560 Speaker 5: do is. 165 00:07:04,520 --> 00:07:07,440 Speaker 4: Always make sure that the consumer is in the right position, 166 00:07:07,880 --> 00:07:11,240 Speaker 4: because in Australia we have a massive lack of financial literacy, 167 00:07:11,560 --> 00:07:14,240 Speaker 4: like not everybody knows what they're signing up for when 168 00:07:14,240 --> 00:07:17,040 Speaker 4: they sign up to pay, and the amount of stories 169 00:07:17,040 --> 00:07:19,200 Speaker 4: that come out of my community where they say things like, oh, 170 00:07:19,200 --> 00:07:21,720 Speaker 4: I signed up for zip pay and now I've looked 171 00:07:21,720 --> 00:07:24,120 Speaker 4: at my report and over the last three years, I've 172 00:07:24,120 --> 00:07:27,080 Speaker 4: spent sixty thousand dollars and I just didn't realize. And 173 00:07:27,120 --> 00:07:29,040 Speaker 4: to be honest, it was just because it was easy. 174 00:07:29,600 --> 00:07:32,680 Speaker 4: You just go People deserve more education, people. 175 00:07:32,440 --> 00:07:36,880 Speaker 1: Deserve right and that the company should be transparent with this. 176 00:07:37,000 --> 00:07:38,200 Speaker 1: They've been sneaking thus. 177 00:07:38,000 --> 00:07:40,800 Speaker 4: Fast, exactly, and you just assume that because it's by 178 00:07:40,880 --> 00:07:43,440 Speaker 4: now pay later, like that sounds a lot better than 179 00:07:43,520 --> 00:07:44,160 Speaker 4: oh I put. 180 00:07:44,040 --> 00:07:45,040 Speaker 5: It on my credit card. 181 00:07:45,880 --> 00:07:50,000 Speaker 4: There are a number of benefits to pint high now, 182 00:07:50,120 --> 00:07:53,200 Speaker 4: pie later, but one of them is that you don't 183 00:07:53,240 --> 00:07:56,720 Speaker 4: have the high interest rate associated with a credit card, 184 00:07:56,960 --> 00:07:59,080 Speaker 4: and so people see that as a little bit sexy. 185 00:07:59,160 --> 00:08:02,240 Speaker 4: They see it as kind of a benefit, right, like, oh, well, 186 00:08:02,240 --> 00:08:04,480 Speaker 4: if it's interest free, if I just paid off in time, 187 00:08:04,760 --> 00:08:07,320 Speaker 4: it doesn't matter, right, But it does enable you to 188 00:08:07,360 --> 00:08:11,160 Speaker 4: make more impulse purchases. Research tells us that on average, 189 00:08:11,200 --> 00:08:14,560 Speaker 4: if you're tapping plastic instead of just paying in cash, 190 00:08:14,680 --> 00:08:17,360 Speaker 4: you are going to spend nearly half more than what 191 00:08:17,400 --> 00:08:19,200 Speaker 4: you were going to if I had asked you to 192 00:08:19,200 --> 00:08:20,360 Speaker 4: pay for that thing in cash. 193 00:08:20,480 --> 00:08:23,119 Speaker 1: So it's buy now, pay way more later. That's really 194 00:08:23,120 --> 00:08:23,800 Speaker 1: what it should be. 195 00:08:23,720 --> 00:08:26,120 Speaker 4: Cooled mostly, Mostly, I just think that people need to 196 00:08:26,120 --> 00:08:29,000 Speaker 4: be more educated about the spending decisions that they're making. 197 00:08:29,120 --> 00:08:31,120 Speaker 3: Well, you know, if you have spent too much money 198 00:08:31,120 --> 00:08:32,960 Speaker 3: with buy now, pay later, we're going to save you 199 00:08:33,000 --> 00:08:33,600 Speaker 3: some money next. 200 00:08:33,880 --> 00:08:36,600 Speaker 2: God, well, I love it when you just slip in 201 00:08:36,640 --> 00:08:37,160 Speaker 2: there like that. 202 00:08:37,200 --> 00:08:37,320 Speaker 4: Man. 203 00:08:39,120 --> 00:08:42,079 Speaker 2: Thanks, it's a budget Direct winner, a can Stars Insure 204 00:08:42,240 --> 00:08:46,680 Speaker 2: of the Year or twenty twenty two Budget Direct Insurance Solved. 205 00:08:47,520 --> 00:08:48,959 Speaker 1: Look, we're here to save you some money, and we 206 00:08:49,040 --> 00:08:51,240 Speaker 1: love nothing more than a cheap knockoff that's actually better 207 00:08:51,280 --> 00:08:52,640 Speaker 1: than the original. 208 00:08:52,160 --> 00:08:54,360 Speaker 5: EXI version some trackscent we do. 209 00:08:54,760 --> 00:08:54,960 Speaker 4: Yeah. 210 00:08:54,960 --> 00:08:56,839 Speaker 1: At the podcast towards the other night, I hugged V 211 00:08:57,160 --> 00:08:58,440 Speaker 1: and then I saw the tag on the back of 212 00:08:58,440 --> 00:09:01,280 Speaker 1: a jacket and it was Peey Mavan So she's actually 213 00:09:01,320 --> 00:09:03,199 Speaker 1: wearing a Uvton jupe, which. 214 00:09:03,040 --> 00:09:04,760 Speaker 5: I thought was how did you chock that out. 215 00:09:05,120 --> 00:09:05,880 Speaker 1: I got so close. 216 00:09:06,040 --> 00:09:07,640 Speaker 5: Eyesight's so bad. I didn't even know you. 217 00:09:07,640 --> 00:09:08,640 Speaker 2: Could re wow. 218 00:09:09,440 --> 00:09:12,640 Speaker 1: Really, that's because I go to Mechsavers instead of Specsavers, 219 00:09:12,720 --> 00:09:15,120 Speaker 1: so my glasses don't work. We're doing some dupes here, 220 00:09:15,160 --> 00:09:16,600 Speaker 1: so if you don't know what a dupe is, essentially 221 00:09:16,640 --> 00:09:18,600 Speaker 1: they're kind of big. On TikTok, you can get droops 222 00:09:18,640 --> 00:09:20,480 Speaker 1: for a lot of fancy designer products. You can get 223 00:09:20,520 --> 00:09:23,400 Speaker 1: drops for after shave, like I wear Les Labo Santaw 224 00:09:23,440 --> 00:09:24,480 Speaker 1: thirty three, which is. 225 00:09:25,040 --> 00:09:28,200 Speaker 4: You and I have a very similar taste my friend, 226 00:09:28,440 --> 00:09:29,800 Speaker 4: but she's exy yes. 227 00:09:29,679 --> 00:09:32,520 Speaker 1: So she is essentially I'd say, you know, anywhere between 228 00:09:32,600 --> 00:09:34,800 Speaker 1: three fifty to five fifty even for a bottle of that. 229 00:09:35,040 --> 00:09:37,160 Speaker 1: Here's the thing. You could also go to price line 230 00:09:37,440 --> 00:09:41,280 Speaker 1: and get a rexsona tropical spray that I've heard on 231 00:09:41,320 --> 00:09:44,800 Speaker 1: TikTok for nine dollars. It's a chip joop, yep. 232 00:09:44,760 --> 00:09:47,160 Speaker 5: What my perfume? What is my perfume? 233 00:09:47,880 --> 00:09:51,000 Speaker 3: She's just asking her, she's just asking her executive assist 234 00:09:51,160 --> 00:09:51,800 Speaker 3: what she was. 235 00:09:52,880 --> 00:09:56,280 Speaker 4: So I love the Baccarat Rouge perfume, and it is 236 00:09:56,320 --> 00:09:59,679 Speaker 4: three hundred and fifty six dollars a bottle which is insane. 237 00:10:00,040 --> 00:10:03,600 Speaker 4: But Ariana Grande from Chemist Warehouse nineteen ninety five money 238 00:10:03,600 --> 00:10:05,680 Speaker 4: Win smells exactly the same. 239 00:10:05,760 --> 00:10:09,319 Speaker 1: Oh you go for the Ariana Grande ponytail A ponytail. 240 00:10:09,400 --> 00:10:10,480 Speaker 5: I'm wearing her perfume. 241 00:10:10,679 --> 00:10:13,360 Speaker 4: Next stop, I will be carrying around a tiny dog 242 00:10:13,440 --> 00:10:15,880 Speaker 4: and starting to sing about my ex boyfriends at the 243 00:10:15,880 --> 00:10:16,840 Speaker 4: top of my voice. 244 00:10:17,080 --> 00:10:20,360 Speaker 1: I found this so original. Is the Potago Vanetta Lido slides, 245 00:10:20,360 --> 00:10:22,559 Speaker 1: which are really popular. They're green, They've got the cross 246 00:10:22,600 --> 00:10:25,319 Speaker 1: hatch pattern on them, and these slides are one thousand 247 00:10:25,880 --> 00:10:28,040 Speaker 1: and fifty dollars, which. 248 00:10:27,840 --> 00:10:29,800 Speaker 5: Is en Oh no, thank you. 249 00:10:30,360 --> 00:10:34,600 Speaker 1: Now, don't go to Potaga Vanetta. Go to Target because yeah, 250 00:10:34,640 --> 00:10:37,520 Speaker 1: they got the Maris which look exactly the same for 251 00:10:37,640 --> 00:10:38,839 Speaker 1: thirty bakarnies. 252 00:10:39,200 --> 00:10:41,640 Speaker 4: How spicy would it get if you went out for 253 00:10:41,679 --> 00:10:44,880 Speaker 4: brunch in Bondy and you're like wearing a really expensive Yeah, 254 00:10:44,920 --> 00:10:47,520 Speaker 4: it's got your really expensive handbag, and then some chick 255 00:10:47,640 --> 00:10:50,320 Speaker 4: rocks up wearing the Target version and gets a compliment 256 00:10:50,360 --> 00:10:51,000 Speaker 4: in front of you. 257 00:10:51,320 --> 00:10:52,480 Speaker 5: I'd be so salty. 258 00:10:52,640 --> 00:10:53,640 Speaker 1: All right, give me one more Jube. 259 00:10:53,679 --> 00:10:55,840 Speaker 4: I've got two jeeps, as I said I promised Dowdy. 260 00:10:56,600 --> 00:10:58,280 Speaker 4: The first is not a jew but It's just a 261 00:10:58,320 --> 00:11:02,480 Speaker 4: really solid recommendation. It is the Lea Mule rose eleven 262 00:11:02,520 --> 00:11:05,320 Speaker 4: dollars ninety nine a bottle and probably the best rose 263 00:11:05,440 --> 00:11:06,480 Speaker 4: I've drunk in my life. 264 00:11:06,520 --> 00:11:08,640 Speaker 2: Hang on it, La Mule, La Mule has it got 265 00:11:08,640 --> 00:11:09,640 Speaker 2: a big kick to it. 266 00:11:09,920 --> 00:11:10,560 Speaker 1: It doesn't have a. 267 00:11:10,600 --> 00:11:12,320 Speaker 4: Kick, but it's got a picture of a donkey on 268 00:11:12,360 --> 00:11:15,920 Speaker 4: the front, so it makes up for it. But then 269 00:11:15,960 --> 00:11:18,439 Speaker 4: the second dupe I want to pick up on again 270 00:11:18,520 --> 00:11:22,439 Speaker 4: from our friends at Audi again not sponsored, just really good. 271 00:11:22,880 --> 00:11:26,439 Speaker 4: Is there laucra Vida base primer, which is about ten 272 00:11:26,520 --> 00:11:29,640 Speaker 4: dollars and it is an exact dupe for like the 273 00:11:29,679 --> 00:11:31,960 Speaker 4: one hundred dollars Bobby Brown primer. 274 00:11:32,280 --> 00:11:34,760 Speaker 5: Woh, I love that identical. 275 00:11:34,840 --> 00:11:37,280 Speaker 1: A lot of makeup dupes in the beauty world, isn't 276 00:11:37,280 --> 00:11:39,240 Speaker 1: that crazy? If you've got a jupe, hit us up? 277 00:11:39,360 --> 00:11:41,040 Speaker 5: I need them in my life. 278 00:11:41,160 --> 00:11:43,079 Speaker 1: You know what I'd love if someone was maybe dating 279 00:11:43,080 --> 00:11:44,880 Speaker 1: a dupe, Like if someone was like, oh, I've got 280 00:11:44,920 --> 00:11:48,680 Speaker 1: like the Chris Hemsworth jupe. He's kind of like Chris, 281 00:11:48,840 --> 00:11:51,080 Speaker 1: but he was born in you know, Liverpool. 282 00:11:51,120 --> 00:11:54,080 Speaker 2: Don't they called doppel Ganghis or they call wish versions, 283 00:11:54,080 --> 00:11:54,400 Speaker 2: aren't they? 284 00:11:54,400 --> 00:11:57,439 Speaker 3: Oh yeah, Hey, if you've got a money dilemma, you 285 00:11:57,480 --> 00:11:59,319 Speaker 3: won't be if you're spend any money on dupes. 286 00:11:59,360 --> 00:12:02,319 Speaker 2: But you can eat us up anytime on socials. Just search. 287 00:12:02,400 --> 00:12:04,000 Speaker 2: She's on the money. 288 00:12:04,480 --> 00:12:09,000 Speaker 1: This is she's on the Money radio show each week. 289 00:12:09,040 --> 00:12:11,600 Speaker 1: What we do here is we bring someone's financial story 290 00:12:11,640 --> 00:12:14,280 Speaker 1: on air. So Sarina us hi vee. I've got myself 291 00:12:14,280 --> 00:12:17,080 Speaker 1: into a pickle. We buy now, pay later, very topical. 292 00:12:17,559 --> 00:12:19,760 Speaker 1: I've got one account with a four thousand dollars limit 293 00:12:19,800 --> 00:12:22,600 Speaker 1: that is now maxed out. Another account that has a 294 00:12:22,640 --> 00:12:27,640 Speaker 1: seven grand limit that's also maxed out, both of which, yeah, 295 00:12:27,640 --> 00:12:29,920 Speaker 1: both of which she's hidden from her partner. So she 296 00:12:29,960 --> 00:12:32,760 Speaker 1: earns eighty five k per year and her monthly repayments 297 00:12:32,760 --> 00:12:34,280 Speaker 1: are around two seven fifty. 298 00:12:34,400 --> 00:12:37,120 Speaker 4: That's so much funny, But that's no judgment. It just 299 00:12:37,160 --> 00:12:40,240 Speaker 4: would feel really terrible having that on you and. 300 00:12:40,240 --> 00:12:42,559 Speaker 1: Hiding it from your partner. So here's an issue. Questions 301 00:12:42,600 --> 00:12:44,960 Speaker 1: come up every payday from the partner asking why she 302 00:12:45,000 --> 00:12:47,400 Speaker 1: never has any money. Christmas is looming, She's got no 303 00:12:47,480 --> 00:12:50,240 Speaker 1: idea how she can leave by presence. She's so stressed. 304 00:12:50,320 --> 00:12:51,840 Speaker 1: What should she do? So she needs to know can 305 00:12:51,880 --> 00:12:55,679 Speaker 1: she negotiate payment plans or should she close accounts without 306 00:12:55,720 --> 00:12:57,719 Speaker 1: paying them? Will it affect a credit rating. There's a 307 00:12:57,760 --> 00:12:58,400 Speaker 1: lot to unpack. 308 00:12:58,520 --> 00:13:00,640 Speaker 4: Sorry, first things first, we need to tell your partner 309 00:13:00,640 --> 00:13:03,520 Speaker 4: because emotionally, that's clearly weighing on you. And if you're 310 00:13:03,520 --> 00:13:05,640 Speaker 4: in a solid relationship, you should be able to have 311 00:13:05,679 --> 00:13:08,599 Speaker 4: conversations like that without judgment. And to me, it's a 312 00:13:08,640 --> 00:13:10,760 Speaker 4: bit of a red flag if you're hiding things from 313 00:13:10,800 --> 00:13:14,120 Speaker 4: your partner if worry of being judged or them not 314 00:13:14,200 --> 00:13:16,600 Speaker 4: being very kind about it, that to me would be 315 00:13:17,000 --> 00:13:20,000 Speaker 4: not a good place to be. Yes, you absolutely should 316 00:13:20,000 --> 00:13:22,640 Speaker 4: close the accounts, but often you can't close by now 317 00:13:22,679 --> 00:13:24,120 Speaker 4: pay later accounts until. 318 00:13:23,880 --> 00:13:26,760 Speaker 5: They're at zero, so they do have to remain open. 319 00:13:27,280 --> 00:13:29,800 Speaker 4: In saying that, what you can do is each time 320 00:13:29,880 --> 00:13:31,800 Speaker 4: you pay off a bit of your debt and you 321 00:13:32,000 --> 00:13:34,600 Speaker 4: get your after pay down to maybe like three thousand, 322 00:13:34,679 --> 00:13:37,280 Speaker 4: five hundred instead of the four thousand, you can actually 323 00:13:37,320 --> 00:13:39,800 Speaker 4: call up after pay and have your limit brought down, 324 00:13:40,080 --> 00:13:43,359 Speaker 4: so as you're paying it off, you kind of decrease 325 00:13:43,400 --> 00:13:46,120 Speaker 4: your limits so you can't stretch back up again. Because 326 00:13:46,120 --> 00:13:48,160 Speaker 4: that seems to be something that a lot of people 327 00:13:48,200 --> 00:13:50,720 Speaker 4: fall into the trap of, and that's going Oh, I 328 00:13:50,760 --> 00:13:53,600 Speaker 4: really want that there's five hundred dollars like extra wriggle 329 00:13:53,679 --> 00:13:55,440 Speaker 4: room on my after pay, I'll just pay for it 330 00:13:55,440 --> 00:13:57,320 Speaker 4: and I'll deal with the debt later. That is a 331 00:13:57,360 --> 00:13:59,760 Speaker 4: toxic place to be in. The Other thing I would 332 00:13:59,800 --> 00:14:02,160 Speaker 4: say is really sit down and do your budget and 333 00:14:02,200 --> 00:14:04,600 Speaker 4: cash flow. Get on top of it. It will actually 334 00:14:04,600 --> 00:14:08,400 Speaker 4: make you feel super empowered. Budgets should not be restrictive. 335 00:14:08,679 --> 00:14:10,800 Speaker 4: They should be something that make you feel like you're 336 00:14:10,800 --> 00:14:14,400 Speaker 4: in the best possible position to allocate your dollars to 337 00:14:14,480 --> 00:14:16,959 Speaker 4: the things that you really care about and the things 338 00:14:17,000 --> 00:14:19,320 Speaker 4: that you want to create out of your life. 339 00:14:19,440 --> 00:14:21,440 Speaker 1: So should someone craft their own budget? Is that what 340 00:14:21,480 --> 00:14:23,000 Speaker 1: you're saying? Like someone else? 341 00:14:23,040 --> 00:14:24,440 Speaker 4: If you go to my website, I'm not trying to 342 00:14:24,440 --> 00:14:26,200 Speaker 4: sell a product here, but go to my website. There's 343 00:14:26,200 --> 00:14:28,880 Speaker 4: a free downloadable one on there because I have made 344 00:14:28,920 --> 00:14:32,320 Speaker 4: it and just made it work for people. Sit down 345 00:14:32,400 --> 00:14:35,520 Speaker 4: and do a budget. Understand how many dollars come in, 346 00:14:35,640 --> 00:14:37,560 Speaker 4: and most people are able to tell us that, but 347 00:14:37,800 --> 00:14:40,160 Speaker 4: most people can't tell me how many dollars go out 348 00:14:40,160 --> 00:14:42,760 Speaker 4: of their account. So that's the next number we really 349 00:14:42,800 --> 00:14:46,160 Speaker 4: want to understand. And then once you're on top of that, 350 00:14:46,320 --> 00:14:48,880 Speaker 4: we work out, all right, what type of compromise do 351 00:14:48,960 --> 00:14:52,040 Speaker 4: I have to make to pay this off asap? Because 352 00:14:52,040 --> 00:14:54,000 Speaker 4: at the end of the day, eighty five thousand a year, 353 00:14:54,080 --> 00:14:57,520 Speaker 4: that's a pretty good salary, like you're doing really well. However, 354 00:14:57,720 --> 00:15:00,080 Speaker 4: I reckon it's all worth a crack and after that 355 00:15:00,280 --> 00:15:02,120 Speaker 4: having a chat with your partner, because at least you 356 00:15:02,120 --> 00:15:03,920 Speaker 4: can say, look, I'm really on top of this, but 357 00:15:04,000 --> 00:15:05,760 Speaker 4: I want to share it with you and that might 358 00:15:05,800 --> 00:15:07,920 Speaker 4: make you feel a little bit more in control. 359 00:15:08,160 --> 00:15:10,040 Speaker 3: Hey, if you've got a money to lem me, you 360 00:15:10,040 --> 00:15:12,560 Speaker 3: can hit us up anytime. Just search shees on the 361 00:15:12,640 --> 00:15:15,960 Speaker 3: money you're going to tell us Next, though, Victoria to 362 00:15:16,040 --> 00:15:19,120 Speaker 3: Vine would be Saved Saturday, Super Savior Saturday, where you 363 00:15:19,160 --> 00:15:22,680 Speaker 3: can get a coffee for nineteen ninety two prices. 364 00:15:22,960 --> 00:15:25,560 Speaker 4: That is definitely coming up next. I have some insider 365 00:15:25,600 --> 00:15:26,440 Speaker 4: gossip fuel. 366 00:15:26,920 --> 00:15:29,040 Speaker 3: It is time to save some people some money with 367 00:15:29,120 --> 00:15:32,000 Speaker 3: this Save Saturday aharp. 368 00:15:32,080 --> 00:15:34,800 Speaker 1: So every week Victoria gives us some sneaky tips on 369 00:15:34,880 --> 00:15:37,040 Speaker 1: how to keep more bucks in your bank account. So 370 00:15:37,120 --> 00:15:39,480 Speaker 1: this week we're going to thick of Black Friday sales 371 00:15:39,520 --> 00:15:41,200 Speaker 1: and Cyber Monday is also approaching. 372 00:15:41,240 --> 00:15:44,480 Speaker 4: There are some sick deals going around Mitch, you've listed 373 00:15:44,480 --> 00:15:45,160 Speaker 4: a few here. 374 00:15:45,360 --> 00:15:47,040 Speaker 5: Why did you pick the ones that you've picked? 375 00:15:47,080 --> 00:15:49,080 Speaker 1: Well, listen, because these are things that I'd be interested in. 376 00:15:49,480 --> 00:15:52,040 Speaker 1: It's also to tech and clothing and things that I 377 00:15:52,040 --> 00:15:55,800 Speaker 1: would buy. Amazon, I have twenty six percent off Apple AirPods. 378 00:15:56,000 --> 00:15:58,880 Speaker 1: That's so good. Yeah, they're two ninety five down from 379 00:15:58,920 --> 00:15:59,760 Speaker 1: four hundred bucks. 380 00:16:00,160 --> 00:16:02,000 Speaker 5: You're saving one hundred bucks, honeywooks. 381 00:16:02,160 --> 00:16:05,320 Speaker 1: Dyson have four hundred dollars off their big, very high 382 00:16:05,400 --> 00:16:09,400 Speaker 1: powered V eight absolute vac discount. Yeah, down from a 383 00:16:09,440 --> 00:16:11,320 Speaker 1: thousand bucks. I will we have to say that none 384 00:16:11,320 --> 00:16:12,880 Speaker 1: of this is sponsor. These are just good deals that 385 00:16:12,920 --> 00:16:13,360 Speaker 1: we found. 386 00:16:13,520 --> 00:16:15,640 Speaker 4: Not is now the time where we bring up the 387 00:16:15,640 --> 00:16:18,640 Speaker 4: fact that my she's on the Morning Community when talking 388 00:16:18,720 --> 00:16:21,120 Speaker 4: about vacuums, because that's the type of community we are. 389 00:16:21,160 --> 00:16:24,680 Speaker 4: We get really excited over vacuums. They were talking about 390 00:16:24,720 --> 00:16:28,440 Speaker 4: how the Kmart stickback is a very very good dub 391 00:16:28,560 --> 00:16:31,160 Speaker 4: for a Dyson and some people like it more than 392 00:16:31,200 --> 00:16:33,800 Speaker 4: they like the Dyson one. So not to talk down 393 00:16:33,840 --> 00:16:35,840 Speaker 4: to Dyson because like, I'm a pretty big fan of 394 00:16:35,880 --> 00:16:38,400 Speaker 4: their air wrap. Yeah, Like, if I'm buying a vacuum 395 00:16:38,440 --> 00:16:40,360 Speaker 4: and I can only spend like one hundred bucks, like 396 00:16:40,440 --> 00:16:42,680 Speaker 4: maybe the cam up one is definitely up for grabs. 397 00:16:42,840 --> 00:16:45,000 Speaker 1: Oh, definitely shop within your budgeting. But I will say 398 00:16:45,000 --> 00:16:47,360 Speaker 1: the air wrap is down from nine hundred dollars to 399 00:16:47,360 --> 00:16:48,000 Speaker 1: seven to fifty. 400 00:16:48,160 --> 00:16:50,040 Speaker 2: I mean for God's tales, it's amazing. What else you 401 00:16:50,080 --> 00:16:50,440 Speaker 2: got for us? 402 00:16:50,480 --> 00:16:54,560 Speaker 1: Mitche Black Friday sale at Woolworths fifty health and beauty. 403 00:16:54,960 --> 00:16:57,440 Speaker 5: That's r you could make use of that. 404 00:16:57,600 --> 00:16:59,400 Speaker 1: Actually, what do you mean? 405 00:17:00,840 --> 00:17:02,960 Speaker 5: I was just saying that you like to give yourself 406 00:17:03,000 --> 00:17:04,040 Speaker 5: a facial O. 407 00:17:04,440 --> 00:17:08,760 Speaker 2: Come on, Oh well we have off the rails today track. 408 00:17:08,800 --> 00:17:10,399 Speaker 1: Can you give us a black side ideal that you 409 00:17:10,480 --> 00:17:13,160 Speaker 1: found because we need a glass of water? Learn a check. 410 00:17:14,040 --> 00:17:19,440 Speaker 3: Oh my god, she's actually of the snorts that covered out. 411 00:17:19,560 --> 00:17:22,439 Speaker 2: She might be having a heart attack. I am genuinely concerned. 412 00:17:22,760 --> 00:17:25,639 Speaker 3: Get a defibrillator you know where it might sell it 413 00:17:25,720 --> 00:17:28,920 Speaker 3: to fibrilator Rebels Sport who were doing fifty? 414 00:17:29,520 --> 00:17:30,520 Speaker 2: Can you just stop? 415 00:17:32,200 --> 00:17:34,399 Speaker 1: What happened? Are you doing the show live from a 416 00:17:34,480 --> 00:17:37,120 Speaker 1: petging zoo? 417 00:17:37,359 --> 00:17:39,399 Speaker 2: I think that pig video you saent us before is 418 00:17:39,440 --> 00:17:40,360 Speaker 2: to start an auto. 419 00:17:40,200 --> 00:17:41,760 Speaker 5: Playing and swim mummy. 420 00:17:43,680 --> 00:17:45,920 Speaker 1: Give us the rebel of Sport. Just Kevin, we're going 421 00:17:45,920 --> 00:17:46,680 Speaker 1: all right, I gotta. 422 00:17:46,520 --> 00:17:50,720 Speaker 3: Go fifty garment and Samsung Smart Watchers. So if you 423 00:17:50,760 --> 00:17:53,160 Speaker 3: want to get fit, get yourself in a rebel sport, 424 00:17:53,240 --> 00:17:53,600 Speaker 3: that's a. 425 00:17:53,560 --> 00:17:57,240 Speaker 4: Pretty good money win and hot too. Pier again, not sponsored, 426 00:17:57,520 --> 00:18:01,240 Speaker 4: just good. Definitely make sure if you're through all of 427 00:18:01,280 --> 00:18:04,240 Speaker 4: these sales you have your shop back activated because you 428 00:18:04,280 --> 00:18:06,760 Speaker 4: can actually double up your discounts if you are shopping. 429 00:18:06,840 --> 00:18:08,879 Speaker 3: Hey, before we get out of here, you told us 430 00:18:08,920 --> 00:18:11,360 Speaker 3: about a place that you could get coffee at thirty 431 00:18:11,480 --> 00:18:14,040 Speaker 3: years ago prices, Victoria Devine. 432 00:18:13,680 --> 00:18:15,320 Speaker 5: I did that is right, Trav. 433 00:18:15,440 --> 00:18:17,480 Speaker 4: I have been talking to my friends on Instagram and 434 00:18:17,520 --> 00:18:20,720 Speaker 4: the Merlow Cafe in Brisbane is celebrating thirty years of 435 00:18:20,840 --> 00:18:22,840 Speaker 4: roasting and to do that, they're taking us back to 436 00:18:22,840 --> 00:18:25,879 Speaker 4: the future and they are selling coffee this week for 437 00:18:26,040 --> 00:18:30,119 Speaker 4: their nineteen ninety two prices. Wow, so a small coffee 438 00:18:30,400 --> 00:18:33,280 Speaker 4: this week is going to cost you ninety five cents AH, 439 00:18:33,680 --> 00:18:36,840 Speaker 4: a medium coffee one ninety five, large is two forty 440 00:18:36,840 --> 00:18:39,000 Speaker 4: five and an extra large coffee, guys, is going to 441 00:18:39,080 --> 00:18:41,600 Speaker 4: set you back to ninety five. And I just think 442 00:18:41,600 --> 00:18:43,879 Speaker 4: that's a really good way to promote your business and 443 00:18:43,960 --> 00:18:46,160 Speaker 4: also give people a little bit of a money when 444 00:18:46,200 --> 00:18:46,840 Speaker 4: on a weekend. 445 00:18:46,920 --> 00:18:48,639 Speaker 5: We love Main and we love. 446 00:18:48,520 --> 00:18:53,359 Speaker 3: Coffee, Victoria, let's jump up to Brisbane and Mitch. Unfortunately, mate, 447 00:18:53,359 --> 00:18:55,359 Speaker 3: you got to stick around because you're doing the Life 448 00:18:55,359 --> 00:18:58,400 Speaker 3: on Cut show coming up next. But we'll be back 449 00:18:58,440 --> 00:19:00,560 Speaker 3: next week for the final show of the year. 450 00:19:00,640 --> 00:19:01,000 Speaker 2: Guys. 451 00:19:01,560 --> 00:19:04,600 Speaker 3: In the meantime, hit us up anytime she's on the 452 00:19:04,600 --> 00:19:06,960 Speaker 3: money on Socials. Until then, we'll catch you later. 453 00:19:07,040 --> 00:19:07,720 Speaker 1: Thanks, guys here