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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 1: get started on She's on the Money podcast, I would

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Speaker 1: like to acknowledge the traditional custodians of the land of

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Speaker 1: which this podcast is recorded on a wondery country, acknowledging

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Speaker 1: the elders, the ancestors and the next generation coming through

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Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money. If you

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Speaker 2: are like the many households feeling the pinch when it

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Speaker 2: comes to transport costs, you are not alone. The Transport

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Speaker 2: Affordability Index by the Australian Automobile Association or the AAA,

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Speaker 2: has revealed the average Aussie household spends almost five hundred

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Speaker 2: dollars on transport each week.

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Speaker 4: Five hundred bars. Yeah, I'm sorry, I'm just in the background.

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Speaker 2: And where'd you come from?

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Speaker 4: Five hundred dollars a week? That's what some people earn.

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Speaker 2: Beck I know, I know that's so hectic. So today

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Speaker 2: we're gonna give you all the tips and tricks you

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Speaker 2: need to relieve some of that pressure you were feeling

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Speaker 2: when it comes to your transportation cost fun. Thank goodness,

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Speaker 2: I feel like that's a lot. I guess like when

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Speaker 2: I think about tollers, you got your petrol, which is

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Speaker 2: like a million dollars a leader.

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Speaker 4: Now we're gonna break it down.

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Speaker 2: Let's break it down. Joining me today is the woman

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Speaker 2: who's all about helping you keep that hard earned cash

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Speaker 2: in your pocket. I say it like this's some one extra,

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Speaker 2: it's like another person here, but.

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Speaker 4: I always dive in, like you write these beautiful intros

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Speaker 4: after I'm like, this is what we talking about, and

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Speaker 4: then you're like this is where you come in V

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Speaker 4: And I'm like, no, it's not. But that's really cute.

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Speaker 2: So trying to keep it a surprise.

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Speaker 4: So who's with you? Wow, betrayed Vine, Molly BECKSI yed.

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Speaker 4: Thank you for having me.

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Speaker 2: Oh you're so welcome.

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Speaker 4: Thank you for being I'm excited to talk about transportation

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Speaker 4: costs today mainly because once we started digging into this,

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Speaker 4: I was so mad about how much we're spending on transport.

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Speaker 4: I did not realize that it was that much. And

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Speaker 4: then when I reviewed my own budget, Beckett, is indeed

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Speaker 4: that much, and it's just not okay. I know.

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Speaker 2: So I can gather you were as shocked as I.

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Speaker 4: I was as shocked as you are. I have had

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Speaker 4: a little bit of time to mull it over. According

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Speaker 4: to the report, over the twelve months to June the thirtieth,

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Speaker 4: twenty twenty four, my birthday, transportation costs for the typical

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Speaker 4: Australian household rose by ten and a half percent. That

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Speaker 4: is almost triple the CPI increase of three point eight

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Speaker 4: percent over the same period. It also showed that in

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Speaker 4: the June twenty twenty four quarter, typical Australian household spent

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Speaker 4: seventeen percent of its income on transport, which is now

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Speaker 4: up from fifteen point nine percent twelve months previous. Who

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Speaker 4: like a double whole, I mean, up from fifteen point

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Speaker 4: nine percent. But beck I had never deep dived into

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Speaker 4: the statistics around what transportation costs, and I feel like

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Speaker 4: if I made this episode a year ago, I think

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Speaker 4: I still would have been offended. At fifteen point nine percent.

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Speaker 2: That is massive and also worrying of course, so how

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Speaker 2: do we break down those costs?

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Speaker 4: So the report says that the average household spend on

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Speaker 4: transport is four hundred and fifty eight dollars and eighty

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Speaker 4: two cents, and forty six point two percent of that

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Speaker 4: goes to car loan repayments for an average of two

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Speaker 4: hundred and eleven dollars and eighty two cents, and then

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Speaker 4: BECK one hundred and one dollars and forty four cents,

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Speaker 4: or twenty two point one percent goes to fuel checks out.

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Speaker 4: I don't think anyone's surprised by that one. We're spending

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Speaker 4: on average forty three dollars and fifty eight cents on insurance.

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Speaker 4: That's nine point five percent. Servicing and tires take up

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Speaker 4: seven point seven percent or thirty five dollars and thirty

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Speaker 4: six cents, which I feel like so many of us

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Speaker 4: forget to spend on. So just a reminder, if you

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Speaker 4: haven't got your tires checked, do it now. Registration, CTP

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Speaker 4: and licensing is thirty two dollars and fourteen cents per

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Speaker 4: month or seven percent BECK. And we're spending twenty dollars

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Speaker 4: and ninety nine cents on public transport and two dollars

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Speaker 4: and thirty six cents on roadside assist.

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Speaker 3: Beck.

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Speaker 4: I know when you like start to add them all up,

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Speaker 4: it really starts to eat away your budget. I know,

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Speaker 4: and I feel like I've said this a million times,

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Speaker 4: but we're so good at not zooming out when we

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Speaker 4: look at car costs. I go, what's to fuel this month?

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Speaker 4: You go, yep, one hundred bucks and I go, great,

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Speaker 4: Nor does that make sense? Move on? We forget to

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Speaker 4: really budget in registration CPT what your actual license in

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Speaker 4: your wallet costs?

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Speaker 2: True?

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Speaker 4: Exactly, because like you're not paying that every single year.

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Speaker 4: Most of us are paying it like every five or

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Speaker 4: ten years usually, So we forget that roadside assist. Did

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Speaker 4: you remember that some of us pay that? Because I

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Speaker 4: forgot that.

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Speaker 2: I am shocked by how little it is, and I

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Speaker 2: don't know why. It's because it's.

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Speaker 4: About one hundred and twenty bucks a year on average,

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Speaker 4: yeah okay, chat and eleven dollars and fifteen cents on

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Speaker 4: tolls each month, Beck, which I need to tell you

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Speaker 4: about something. I'm in a little bit of trouble.

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Speaker 2: What did you do?

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Speaker 4: Oh, I'm in trouble with the police. Beck.

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Speaker 2: I would never have thought it's me.

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Speaker 4: There's going to be a warrant out for my arrest.

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Speaker 4: Do you want me to tell you why or should

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Speaker 4: we just not tell anybody and leave it be on Lucy.

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Speaker 2: That's cruel, let's do it.

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Speaker 4: Okay. So I recently got a new car and did

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Speaker 4: everything for it, but the thing I forgot to do

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Speaker 4: was update my tolls. Yeah right, So obviously the toll

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Speaker 4: company has been sending me in voices, but very complex,

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Speaker 4: very I guess privileged position that I'm in. My car

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Speaker 4: is registered in my business's name. And as you know,

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Speaker 4: I've recently moved offices, haven't I Oh, which is exciting.

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Speaker 4: So all of the toll letters have been going to

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Speaker 4: my old office and I haven't swung past there in

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Speaker 4: a little while to pick up my mail. So get

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Speaker 4: my mail back. And not only are their toll notices,

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Speaker 4: and I saw them and I'm like, oh my gosh,

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Speaker 4: that's so silly of me. I need to pay them.

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Speaker 4: Put them on my desk. No worries. You would think

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Speaker 4: that's where it ends. The police. I've sent me a

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Speaker 4: fine for driving on toll roads without the toll licensing

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Speaker 4: or whatever it is. Yes, I didn't realize that the

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Speaker 4: police got involved in that.

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Speaker 2: Well, I hate to break it to you, but I

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Speaker 2: have had at least twelve of those exact same things.

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Speaker 4: So well, I'm not going to jail. I'm not going

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Speaker 4: to go to jail.

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Speaker 2: I don't like this part of Victoria. It is a

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Speaker 2: very Victorian thing. I never had this in Sydney.

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Speaker 4: You were like I could not pay my tolls, and

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Speaker 4: nobody would come trying to arrest me.

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Speaker 2: Yeah, or at least I'd be like, oh, you need

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Speaker 2: to pay your tolls. And if I can't pay my tolls,

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Speaker 2: it's because they can't afford my tolls.

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Speaker 4: I felt like i'd been dibbitdobbed.

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Speaker 2: Yeah, because now it's like with the police, you at

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Speaker 2: least ten times more than the actual time.

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Speaker 4: I'm thankful that there's no demerit points. I just have

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Speaker 4: to pay a fine. But like, I just forgot to

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Speaker 4: register my car, and like, don't get me wrong, of

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Speaker 4: all people to have not done something, it should not

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Speaker 4: have been me, Like I should be better than this.

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Speaker 4: I get it, crucify me, but I'm just a girl.

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Speaker 2: I'm just trying to make it in this well. I'm

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Speaker 2: just trying to make it in this world. I get it, Okay,

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Speaker 2: I think we can say about listeners. Some of these costs,

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Speaker 2: do you reckon? We could obviously.

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Speaker 4: Yes, Like I didn't come here to just have a

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Speaker 4: silk about something and then walk away and be like,

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Speaker 4: this is your problem to deal with. I don't want

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Speaker 4: to do that.

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Speaker 2: For my entire life.

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Speaker 4: Purpose is to save people money and get them investing

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Speaker 4: so that they can be rich. Like I want everybody

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Speaker 4: to be rich.

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Speaker 2: It's so nice.

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Speaker 4: It'd just be so fun.

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Speaker 2: Would be fun. You're all rich?

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Speaker 4: Yeah, Like we can all be rich friends.

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Speaker 2: That's the goal, all right.

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Speaker 4: So I obviously want to start by talking about getting

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Speaker 4: a better deal on two of the bigger ones. So

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Speaker 4: your car loan and your insurance, those are like big

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Speaker 4: hitting ones we're going to start with. And I know

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Speaker 4: for some people, Beck, they might feel a little bit

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Speaker 4: icky when it comes to asking for a better deal. Yeah,

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Speaker 4: drop the ick at the door. We don't have ick.

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Speaker 4: We want to be rich and rich people they ask

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Speaker 4: for a better deal, Yeah, that's rich girl energy. Here's

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Speaker 4: the thing. If you don't ask, though, Beck, you don't

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Speaker 4: get so you can stay with your crap deal or

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Speaker 4: you can get a better deal. When I put it

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Speaker 4: like that, it makes you feel a little bit bad

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Speaker 4: for staying with a crap deal, doesn't it that's my

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Speaker 4: intention moving on. Great, No one's going to ring you

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Speaker 4: out of the blue and be like, hey, here's a

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Speaker 4: better deal for you, Beck, because that's just not what

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Speaker 4: they do. And they're definitely not going to say, oh,

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Speaker 4: we're going to cancel your loan or your insurance just

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Speaker 4: because you asked. Sadly, So you've got nothing to lose,

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Speaker 4: and here are the steps that you need to take.

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Speaker 4: So start by doing your research. For car loans, compare

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Speaker 4: interest rates, fees, and the loan term. Then for insurance,

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Speaker 4: check out the premiums, coverage options, and the customer reviews,

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Speaker 4: which I think is really important because at the end

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Speaker 4: of the day, insurance I want to be the biggest

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Speaker 4: waste of money ever, Like I want you to be like, damn,

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Speaker 4: I didn't use insurance. Great, nothing bad happened, you didn't

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Speaker 4: need to claim on it. Money win, life win. But

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Speaker 4: when it comes time to claim, reviews are really important

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Speaker 4: because if it's then a really fickle situation to claim,

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Speaker 4: or they're not nice to deal with, like, we don't

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Speaker 4: need that in our lives, especially when you're probably already

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Speaker 4: stressed because you probably had a little bit of a

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Speaker 4: bingle with your car. The more you know, the stronger

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Speaker 4: your negotiation position. So just a quick heads up. If

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Speaker 4: you're using comparison websites, remember that some of them are

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Speaker 4: actually just marketing tools.

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Speaker 2: Yes, that's true.

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Speaker 4: They might be getting paid to promote certain retailers, which

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Speaker 4: means they're not always showing you absolutely every single available option.

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Speaker 4: You might need to dig a little bit deeper, do

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Speaker 4: a bit more Google. You could be missing out on

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Speaker 4: better deals elsewhere. And our community member Jess, I've pulled

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Speaker 4: this from our Facebook group. She says, before you do

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Speaker 4: your research, wipe your cash on your browser so that

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Speaker 4: your history is completely clear on your computer, so that

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Speaker 4: the Internet shows you new customer prices instead of current

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Speaker 4: customer prices when you look at your current provider.

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Speaker 2: Oh my gosh, smart.

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Speaker 4: Girl, Thank you, Jess.

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Speaker 2: That's really clever.

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Speaker 4: Yep. And they often offer new customers better prices to

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Speaker 4: lock them in, only to jack up the price next year.

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Speaker 4: It's called loyalty tax. We've done an entire podcast episode

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Speaker 4: on it. Look it up. I've heard stories of people

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Speaker 4: canceling their current policy only to sign straight back up

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Speaker 4: with a new one with the same company on the

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Speaker 4: same day, just to save themselves some serious cash.

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Speaker 2: Yeah.

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Speaker 4: Cool from my perspective. I don't know if this is

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Speaker 4: ballsy or not, but like tell them you can do that,

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Speaker 4: like on the phone, be like, either give me a

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Speaker 4: better deal or I'm counseling it. I'm just going to

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Speaker 4: sign back up.

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Speaker 1: Yeah.

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Speaker 4: True. You want me to do here, like make the

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Speaker 4: math math? Yeah, Like, I'm not trying to be a dick.

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Speaker 4: I just want to not pay loyalty tax.

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Speaker 1: Yeah.

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Speaker 4: Like I've been loyal to you. I've given you my

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Speaker 4: money consistently for the last few years, and you're telling

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Speaker 4: me you're going to give someone else a cheaper deal.

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Speaker 2: It would be wise sentive to stick around. Yeah, like

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Speaker 2: they get me.

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Speaker 4: Imagine a company that said, beck join us, pay the

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Speaker 4: market rate, and then every year we give you a

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Speaker 4: little discount to stage, we give you a little treat

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Speaker 4: we give you a little treaty tree.

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Speaker 2: Yeah, that would be way more centige.

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Speaker 4: Exactly, I mean exactly, no, but like we could be

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Speaker 4: look at how smart we are. But getting back to

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Speaker 4: doing your research. Once you have all of that information,

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Speaker 4: it's time to make the call. You can start with

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Speaker 4: high I've noticed that competitor X is offering a lawer rate,

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Speaker 4: and I'd really like to talk to someone who can

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Speaker 4: match that. What we want to do here, Beck is

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Speaker 4: kill them with kindness. If you go in aggressive, which

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Speaker 4: you might feel because you might have realized that you're

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Speaker 4: being taken for a ride. Sure, we don't want that

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Speaker 4: energy on the phone. We don't want to bring that because,

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Speaker 4: like used to work for a super company. If someone

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Speaker 4: called you salty, will you happy to help them? No? No, no, no.

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Speaker 2: I would go out of my goddamn way for someone

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Speaker 2: who is nice to me. Yeah, exactly, who's immediately mean

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Speaker 2: and I don't even know them. They don't know me,

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Speaker 2: I don't know them. I'm literally just here trying to

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Speaker 2: make a buck, exactly.

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Speaker 4: So we're going to be polite, but firm. Kindness obviously

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Speaker 4: goes a really long way. I adore the saying you

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Speaker 4: catch more flies with honey, and it really rings true

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Speaker 4: when you're dealing with customer service operator, so true, don't

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Speaker 4: be dick, Yeah, I love that hard. Make sure that

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Speaker 4: you mention your loyalty, but highlight the better deals that

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Speaker 4: you found. So, for example, you might be whipping out

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Speaker 4: your pen at this point, your introductory rate for new

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Speaker 4: customers is much lower than what I'm currently getting as

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Speaker 4: a very loyal customer. Or consider bundling. So say, if

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Speaker 4: I bring my car insurance over in addition to my

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Speaker 4: home insurance that I already have, can you offer me

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Speaker 4: a discount? Make it worth their while? And remember, be

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Speaker 4: ready to walk away, So that one is the hard one.

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Speaker 2: Yeah, be ready to walk away.

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Speaker 4: Sometimes the best deal is actually with another provider, and

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Speaker 4: that's totally okay. You can say on the phone, thank

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Speaker 4: you so much for your help. Beg Like, I know

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Speaker 4: that you've said that you're trying your best and that

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Speaker 4: that's the best deal you can offer. Unfortunately, I just

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Speaker 4: think I can get it elsewhere cheaper. Like I'm sure

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Speaker 4: you can understand that. Like everyone is just out to

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Speaker 4: get the best deal from themselves. Beck just worked for

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Speaker 4: the super company, you know, Like you're not mad that

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Speaker 4: Sandra is not going to stay.

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Speaker 2: I don't mind, you don't mind.

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Speaker 4: Yeah, And you're probably like sleigh, Sandra, like get that

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Speaker 4: budget Greween.

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Speaker 2: Because they can't say it, but they know in their heads,

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Speaker 2: they're like, you can get a bad deal elsewheah.

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Speaker 4: Yeah, yeah, like you know that that's a shitty deal.

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Speaker 4: You know that that's not exactly what we want, but

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Speaker 4: I can't tell you. Yeah, by the way, go down

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Speaker 4: to this other provider. They're going to give you cheaper insurance.

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Speaker 4: They're not gonna say that because I'd lose my job

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Speaker 4: in no way, absolutely not. You can have a laugh

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Speaker 4: and be like you and I both know beck catch up.

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Speaker 2: Yeah.

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Speaker 4: I love when you're working with like hospitality or retail stuff,

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Speaker 4: or like something stinky happens and you say something that

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Speaker 4: you know they can't respond to, so all you get

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Speaker 4: back from them is like a little smirk and then

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Speaker 4: they walk off. I'm always like, here, here exactly, so

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Speaker 4: we are going to be ready to walk away because

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Speaker 4: we want a better deal. But do you know what,

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Speaker 4: sometimes when you say you're going to walk away, look

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Speaker 4: at that they have a last minute offer.

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Speaker 2: Where did this come from?

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Speaker 4: Cocidence?

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Speaker 2: Haha. Now, if you didn't take notes on all that,

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Speaker 2: don't worry. If has made a handy little guide for you.

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Speaker 4: And when I say I have, I mean my gorgeous

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00:14:33,360 --> 00:14:36,800
Speaker 4: graphic designer Georgia has Thank you, Georgia. She's taken all

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Speaker 4: of this information and put it into a handy dandy

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Speaker 4: little guide that you can download. Guess what, Beck, Yeah

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Speaker 4: for free? Whoa on our website. I love for Do

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Speaker 4: you want anything? Nope, don't want anything?

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Speaker 2: Name your trade yeah, Apple or something?

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Speaker 4: Oh? Thanks?

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Speaker 2: Well, if you want to find that, it will be

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Speaker 2: in the True Notes. We can download it or you

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Speaker 2: can download it on the website True.

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Speaker 1: So.

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Speaker 4: There are also some other ways to cut down your

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Speaker 4: insurance costs. The most obvious is OPTI for a higher excess,

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Speaker 4: which you can budget for. This means you'll pay more

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Speaker 4: upfront if you end up making a claim, But if

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Speaker 4: you've got your emergency fund sorted, it might be worth

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Speaker 4: considering to bring down those premiums. Like, if you're planning

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Speaker 4: your emergency fund, maybe have a look. Maybe you go,

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Speaker 4: all right, well, I know that if I had one

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Speaker 4: thousand dollar excess instead of a five hundred dollars excess,

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Speaker 4: I'd pay less premiums over the year. Can we also,

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Speaker 4: just like I guess sense, check this as well, Beck,

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Speaker 4: because you might want to be saving that, but you

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Speaker 4: don't have the capacity to have a emergency fund with

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Speaker 4: an extra thousand dollars in it. Like, I'm not delusional,

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Speaker 4: I know that that is hard for a lot of people.

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Speaker 4: So if it works for you, fantastic. That's what financial

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Speaker 4: freedom affords you.

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Speaker 2: Beck.

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Speaker 4: Financial freedom can sometimes afford you to go with the

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Speaker 4: cheaper option, right, Like some people have to go with

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Speaker 4: the higher option because they don't have that emergency fund.

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Speaker 4: And I don't want people listening to this and being like, well,

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Speaker 4: that's not me. I guess I fail. No, you don't, queen,

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Speaker 4: Look at you listening to finance content getting.

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Speaker 2: Ahead, Get a girl, get it.

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Speaker 4: I actually think it was really important to sense check there.

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Speaker 4: But that's definitely something worth considering if you want to

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Speaker 4: bring down those premiums. And then another sense check here,

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Speaker 4: because I completely understand that not everyone has the cash

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Speaker 4: on hand to pay their car insurance for the whole

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Speaker 4: year upfront. But if you plan ahead, often paying in

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Speaker 4: one lump sum could save you some money on premiums

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Speaker 4: because they often have a lower rate, like overall if

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Speaker 4: you pay annually instead of monthly. I think that that's

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Speaker 4: just another reason why the rich get richer. So true

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Speaker 4: these so annoying, right, I know.

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Speaker 2: It's like if I could early a ford months a month,

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Speaker 2: give me, it just.

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Speaker 4: Really frustrates me. The economic inequality that exists. Like it's

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Speaker 4: the stereotypical example, right of a pair of shoes, Like

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Speaker 4: somebody who has the wealth can buy their kid a

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Speaker 4: pair of school shoes that last the whole year, because

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Speaker 4: that pair of school shoes is like one hundred and

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Speaker 4: fifty dollars, and like that's so wild for a lot

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Speaker 4: of parents. But then over the course of the year

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Speaker 4: they might go to Cama a heap of times because

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Speaker 4: they're just like, I'm just buying school shoes from Cama.

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Speaker 4: But like every second month or so, they break or

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Speaker 4: they you know, fall apart, and then they end up

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Speaker 4: spending more on school shoes because they didn't have that

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Speaker 4: high entry price point to begin with. Yeah, like it's

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Speaker 4: just again, the rich keep getting richer because they have

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Speaker 4: the ability to invest in more sustainable options. And I

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Speaker 4: don't mean sustainable for the economy, I mean more sustainable

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Speaker 4: for them. Like that pair of school shoes might get

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Speaker 4: three or four years of use out of them because

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Speaker 4: they're just a good quality shoe, you know, totally v

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Speaker 4: So it just really frustrates me that that exists. But

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Speaker 4: apparently it also exists in the insurance world.

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Speaker 2: Ah, good, good, good good. We can't escape it.

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Speaker 4: So then finally, Beck, some policies have dry less payless options,

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Speaker 4: which bet you didn't know that existed.

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Speaker 2: Hah.

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Speaker 4: And I also think is really exciting because you pay

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Speaker 4: a lower premium if you stay under a certain number

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Speaker 4: of kilometers each year. So if you know your average mileage,

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Speaker 4: use that for when you're getting a quote, and it

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Speaker 4: might actually make you get a cheaper rate. Kind of attractive,

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Speaker 4: And don't hesitate to ask for a discount on low

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Speaker 4: kilometers even if it's not advertised. They might offer it

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Speaker 4: over the phone. Yeah, true, everything's up for negotiation, yes,

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Speaker 4: and if they say no, I'm just going to negotiate

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00:18:25,440 --> 00:18:28,040
Speaker 4: with you from a different angle. I'm lucky to get

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Speaker 4: me on the phone.

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Speaker 2: I would cry immediately.

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Speaker 4: So unlucky. I do apologize for anybody who does get

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Speaker 4: me on the phone, except for that one girl at

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Speaker 4: Boopa who one time said that my podcast was really nice.

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Speaker 4: At the end of our phone call, she's like, I'm

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Speaker 4: really glad that I could help you. Also, I really

408
00:18:43,400 --> 00:18:45,440
Speaker 4: like your podcast, and I was like, oh my god,

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Speaker 4: did you know me this whole time? It was really wholesome.

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Speaker 2: That is so sweet.

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Speaker 4: It was my favorite thing ever. Wow, definitely was put

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Speaker 4: through her paces, poor girl, like when she love your podcast.

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Speaker 4: I was low key thinking like at least I walk

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Speaker 4: the walk, you.

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Speaker 2: Know, yeah, like can't even imagine. So there are obviously

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Speaker 2: some good ways to save on insurance. Let's take a

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Speaker 2: quick break and when we come back, we'll have more

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Speaker 2: tips to spash your transport costs. Don't go anywhere, all right,

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Speaker 2: V we are back. Should we tackle petrol costs?

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Speaker 4: Yes, so this episode just don't use petrol.

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00:19:20,040 --> 00:19:22,720
Speaker 2: Yeah, well I did cycle actually for a few months

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Speaker 2: to work.

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Speaker 4: That's a good money saving hat. Yeah, from Brunswick to

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Speaker 4: I won't be doing that. No, if you can't do that,

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Speaker 4: or like me, you just won't do that.

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Speaker 2: And that's very valid as well, very very valid.

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Speaker 4: So it's probably a good idea to talk about it

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Speaker 4: because in that report we quoted earlier, the average household

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Speaker 4: is spending over five grand a year on petrol. Beck,

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Speaker 4: five grand, that's a whole family holiday.

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Speaker 2: Yeah, seriously, that's on stuff you literally burn.

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Speaker 4: Don't talk to me about cigarettes, not me, you Beck.

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Speaker 2: Yeah, I love a c.

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Speaker 4: We're not endorsing cigarette. That is dirty bit and you

435
00:20:00,640 --> 00:20:02,639
Speaker 4: should kick it, and you know you should kick it.

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00:20:02,680 --> 00:20:05,080
Speaker 2: Yes, ma'am, but I do not judge you. Thank you.

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00:20:05,440 --> 00:20:07,560
Speaker 4: I couldn't care less you make a decision about your

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Speaker 4: body anyway. Choice Consumer poles surveyed this year found that

439
00:20:11,040 --> 00:20:14,040
Speaker 4: eighty one percent of households were concerned about the cost

440
00:20:14,040 --> 00:20:17,000
Speaker 4: of fuel. The other nineteen percent must be pretty chill

441
00:20:17,040 --> 00:20:20,679
Speaker 4: to be honest, imagine not being concerned about five grand

442
00:20:20,680 --> 00:20:24,600
Speaker 4: on petrol. Be for real. I feel like petrol is

443
00:20:24,640 --> 00:20:27,320
Speaker 4: constantly over two dollars a leater these days. I don't

444
00:20:27,320 --> 00:20:30,399
Speaker 4: feel like I'm spending less, which is so expensive. But

445
00:20:30,440 --> 00:20:32,720
Speaker 4: the good news is there are some ways that you

446
00:20:32,760 --> 00:20:34,000
Speaker 4: can save at the pump.

447
00:20:34,160 --> 00:20:36,600
Speaker 2: Cool Like, I know a lot of our communities swear

448
00:20:36,640 --> 00:20:38,320
Speaker 2: by this first tip. I get a lot of people

449
00:20:38,359 --> 00:20:39,600
Speaker 2: recommending it for my bride at.

450
00:20:39,520 --> 00:20:43,240
Speaker 4: The seven eleven well because I feel I feel like

451
00:20:43,240 --> 00:20:45,280
Speaker 4: the seven eleven app has a cult following.

452
00:20:45,400 --> 00:20:47,960
Speaker 2: It actually is incredible. But also petrol spy.

453
00:20:48,280 --> 00:20:50,119
Speaker 4: I love a petrol spy as well.

454
00:20:50,359 --> 00:20:52,159
Speaker 2: There are so many of them, so how do you

455
00:20:52,240 --> 00:20:54,520
Speaker 2: know the one you're using has the best info?

456
00:20:54,880 --> 00:20:57,240
Speaker 4: Well, according to the A Triple C, they are about

457
00:20:57,320 --> 00:20:59,880
Speaker 4: forty of them in total in Australia. Isn't that why

458
00:21:00,520 --> 00:21:03,280
Speaker 4: I could not name forty, I could name the seven

459
00:21:03,320 --> 00:21:05,960
Speaker 4: eleven petrol app. Yes, that's it. That's the only one

460
00:21:05,960 --> 00:21:09,040
Speaker 4: I use. And they all run a little bit differently.

461
00:21:09,080 --> 00:21:12,080
Speaker 4: So most of the state governments actually require petrol companies

462
00:21:12,080 --> 00:21:14,920
Speaker 4: to report their prices and have their own data systems

463
00:21:14,920 --> 00:21:18,360
Speaker 4: and government run apps, which is interesting. Then there are

464
00:21:18,520 --> 00:21:22,520
Speaker 4: third party apps. Some of these run using the government data,

465
00:21:22,600 --> 00:21:26,280
Speaker 4: while other commercial services use information that is community sourced,

466
00:21:26,359 --> 00:21:29,880
Speaker 4: meaning you're relying on other motorists to update prices, which

467
00:21:29,880 --> 00:21:32,399
Speaker 4: you might see in like the ways app, so you

468
00:21:32,400 --> 00:21:34,359
Speaker 4: know how you can like track things in there. I

469
00:21:34,359 --> 00:21:38,080
Speaker 4: find that really interesting conversation for another day. The ones

470
00:21:38,080 --> 00:21:40,760
Speaker 4: that use government data seem to be the most accurate

471
00:21:40,800 --> 00:21:43,800
Speaker 4: as it comes straight from the source. And this is

472
00:21:43,800 --> 00:21:46,000
Speaker 4: a shame for us in Victoria as our state government

473
00:21:46,440 --> 00:21:48,200
Speaker 4: is the only state that doesn't do this.

474
00:21:48,400 --> 00:21:48,680
Speaker 1: Good.

475
00:21:48,960 --> 00:21:52,560
Speaker 4: Yeah, really nice. But seven eleven app, well you just

476
00:21:52,640 --> 00:21:55,720
Speaker 4: lock it in, yeah, and it's guaranteed. We love to

477
00:21:55,760 --> 00:21:58,760
Speaker 4: see it, even with short notice. We're not being sponsored

478
00:21:58,800 --> 00:22:00,680
Speaker 4: by seven eleven. By the way, I just really love

479
00:22:00,760 --> 00:22:04,040
Speaker 4: these sand which just had to disclaim that because I

480
00:22:04,080 --> 00:22:06,040
Speaker 4: see under like a little bit of an ad. They've

481
00:22:06,080 --> 00:22:08,119
Speaker 4: got nothing to do with this right now. Shock is so,

482
00:22:08,280 --> 00:22:10,520
Speaker 4: I mean we should have approached them. Actually, that would

483
00:22:10,560 --> 00:22:13,080
Speaker 4: have been good. Oh it's also I didn't know it.

484
00:22:13,080 --> 00:22:13,600
Speaker 2: It's too late.

485
00:22:13,680 --> 00:22:16,639
Speaker 4: It is too late. Even with short drive though, beg

486
00:22:16,880 --> 00:22:21,000
Speaker 4: you might find significant price differences between different petrol stations.

487
00:22:21,040 --> 00:22:24,760
Speaker 4: A Choice article highlighted a fifty two cent per liter

488
00:22:24,880 --> 00:22:28,120
Speaker 4: difference they found in the same type of fuel between

489
00:22:28,160 --> 00:22:32,600
Speaker 4: two petrol stations only five minutes apart. Those dogs, isn't

490
00:22:32,600 --> 00:22:35,639
Speaker 4: it insane? So it's definitely worth using these apps to

491
00:22:35,680 --> 00:22:37,600
Speaker 4: shop around and to save and put yourself in the

492
00:22:37,600 --> 00:22:40,920
Speaker 4: best possible position. The Premiere of South Australia has even

493
00:22:41,000 --> 00:22:43,680
Speaker 4: come out and said that their app has saved locals

494
00:22:43,800 --> 00:22:46,920
Speaker 4: who use it about three hundred and fifteen bucks each

495
00:22:47,040 --> 00:22:50,400
Speaker 4: in the last year. So if you're listening Victoria Government,

496
00:22:50,560 --> 00:22:53,880
Speaker 4: it's me Victoria Divine and it's time to start your

497
00:22:53,920 --> 00:22:55,359
Speaker 4: own please and thank you.

498
00:22:55,840 --> 00:22:58,400
Speaker 2: And don't forget a lot of fuel retails in Australia

499
00:22:58,560 --> 00:23:01,439
Speaker 2: are owned by supermarket, so it's always worth checking if

500
00:23:01,480 --> 00:23:05,240
Speaker 2: your rewards cards can score you an extra deal. You know,

501
00:23:05,280 --> 00:23:06,680
Speaker 2: back in the day you'd have those little.

502
00:23:06,520 --> 00:23:07,359
Speaker 4: Yeah shop a Dockers.

503
00:23:07,400 --> 00:23:08,840
Speaker 2: That's all on the rewards.

504
00:23:08,800 --> 00:23:11,280
Speaker 4: These episodes getting really long. But I looked at the

505
00:23:11,320 --> 00:23:13,920
Speaker 4: back of my supermarket receipt the other day back well,

506
00:23:13,960 --> 00:23:14,879
Speaker 4: there was no deals on it.

507
00:23:18,080 --> 00:23:18,280
Speaker 2: Here.

508
00:23:18,320 --> 00:23:20,440
Speaker 4: I don't want to live in four.

509
00:23:20,280 --> 00:23:23,160
Speaker 2: It is nice to get little Domino's ones, obviously, all.

510
00:23:23,119 --> 00:23:25,439
Speaker 4: Right, So back to this, it's all about looking at

511
00:23:25,480 --> 00:23:27,800
Speaker 4: your shopping habits and seeing where you can use some

512
00:23:27,840 --> 00:23:31,160
Speaker 4: points and rewards and even cash back to maximize your savings.

513
00:23:31,440 --> 00:23:34,680
Speaker 4: We saw in the community recently people buying gift cards

514
00:23:34,840 --> 00:23:37,679
Speaker 4: on shop back to then use to spend on fuel

515
00:23:38,280 --> 00:23:40,879
Speaker 4: genius is hacking the system. And you might remember us

516
00:23:40,920 --> 00:23:43,200
Speaker 4: talking about the savvy queen from our community a few

517
00:23:43,200 --> 00:23:46,440
Speaker 4: weeks back who was buying upsized a pole vouchers from

518
00:23:46,480 --> 00:23:48,560
Speaker 4: shop back and then scanning her wool Is card for

519
00:23:48,640 --> 00:23:52,120
Speaker 4: points and hacking the system completely for real.

520
00:23:52,520 --> 00:23:54,119
Speaker 2: But what about the way you run and take care

521
00:23:54,160 --> 00:23:54,520
Speaker 2: of your car.

522
00:23:54,680 --> 00:23:56,880
Speaker 4: The one thing that they really didn't take into account

523
00:23:57,160 --> 00:24:00,360
Speaker 4: is how much people spend cleaning their cars. I live

524
00:24:00,400 --> 00:24:02,880
Speaker 4: in a city and I'm really lucky. When I drive

525
00:24:02,960 --> 00:24:06,560
Speaker 4: home sometimes my dad will wash my car in their

526
00:24:06,600 --> 00:24:10,040
Speaker 4: front yard free for me money in But like I

527
00:24:10,080 --> 00:24:12,159
Speaker 4: can't just like put my car in the driveway and

528
00:24:12,320 --> 00:24:14,399
Speaker 4: wash it like I have to spend money cleaning my

529
00:24:14,480 --> 00:24:16,639
Speaker 4: car going through like the car wash or even the

530
00:24:16,720 --> 00:24:18,919
Speaker 4: day car wash that takes the two lotal coins you

531
00:24:18,920 --> 00:24:19,640
Speaker 4: know I'm talking about.

532
00:24:19,720 --> 00:24:20,320
Speaker 2: Yeah, totally.

533
00:24:21,000 --> 00:24:22,200
Speaker 4: They forgot that one.

534
00:24:22,720 --> 00:24:24,879
Speaker 2: That's another one. I've always wondered what the point is.

535
00:24:24,920 --> 00:24:27,359
Speaker 2: I don't think I've cleaned my car in a while,

536
00:24:27,760 --> 00:24:29,560
Speaker 2: Like do you do it for safety reasons?

537
00:24:30,040 --> 00:24:31,639
Speaker 4: Like can you see in your windscreen?

538
00:24:32,080 --> 00:24:33,919
Speaker 2: I can see it through my windscreen. That's all I

539
00:24:33,960 --> 00:24:34,359
Speaker 2: need to do.

540
00:24:34,800 --> 00:24:40,840
Speaker 4: We'll talk about this off air, But yes, servicing your car.

541
00:24:41,160 --> 00:24:43,480
Speaker 4: I know it might not be the most exciting thing

542
00:24:43,640 --> 00:24:46,320
Speaker 4: on your to do list, but a well maintained car

543
00:24:46,440 --> 00:24:48,680
Speaker 4: is a fuel saving machine. Like at the end of

544
00:24:48,760 --> 00:24:51,359
Speaker 4: the day, when your car is in its best shape,

545
00:24:51,359 --> 00:24:53,639
Speaker 4: it's less likely to gos will fuel because of issues

546
00:24:53,680 --> 00:24:57,160
Speaker 4: like clogged air filters and faulty spark plugs or low

547
00:24:57,200 --> 00:25:00,440
Speaker 4: oil that my car keeps telling me it's scott Like, baby,

548
00:25:00,440 --> 00:25:03,920
Speaker 4: you don't need oil, you're not cooking. Book in your.

549
00:25:03,800 --> 00:25:06,400
Speaker 2: Service book in your service But also do try. There

550
00:25:06,400 --> 00:25:08,440
Speaker 2: are so many things in my car that I've just

551
00:25:08,480 --> 00:25:10,320
Speaker 2: done myself. For example, like it wouldn't start once I

552
00:25:10,440 --> 00:25:13,120
Speaker 2: just change one of the fuel injector fuses, which doesn't

553
00:25:13,160 --> 00:25:16,280
Speaker 2: make sense right now, but if you google literally you

554
00:25:16,280 --> 00:25:17,520
Speaker 2: can do most things.

555
00:25:17,640 --> 00:25:19,600
Speaker 4: I mean, you can change your windscreen wipers, like you

556
00:25:19,600 --> 00:25:21,399
Speaker 4: can just go to autobar and eat them for like

557
00:25:21,400 --> 00:25:23,320
Speaker 4: twenty bucks. You don't need to pay one hundred and twenty.

558
00:25:23,160 --> 00:25:25,639
Speaker 2: Easy, easy fix it. I changed my headlights the other day.

559
00:25:25,960 --> 00:25:27,600
Speaker 2: We literally less than three minutes up.

560
00:25:27,640 --> 00:25:28,360
Speaker 4: You're in coolant.

561
00:25:28,640 --> 00:25:30,200
Speaker 2: You can do all of that stuff yourself.

562
00:25:30,240 --> 00:25:33,400
Speaker 4: So we should do Beck's car hacks, and it's Beck

563
00:25:33,480 --> 00:25:36,520
Speaker 4: teaching you how to do things you are seriously, I

564
00:25:36,520 --> 00:25:37,960
Speaker 4: could diagnose it a few and then we can go

565
00:25:38,000 --> 00:25:38,320
Speaker 4: from there.

566
00:25:38,359 --> 00:25:41,040
Speaker 2: But yeah, try and pressure, of course I do.

567
00:25:41,359 --> 00:25:43,520
Speaker 4: I've written that down as my next tip. So this

568
00:25:43,560 --> 00:25:46,240
Speaker 4: is something that you can easily do yourself next time

569
00:25:46,240 --> 00:25:48,679
Speaker 4: you stop for fuel and it's free. You can usually

570
00:25:48,720 --> 00:25:51,840
Speaker 4: find the right pressure for your tires on the driver's

571
00:25:51,880 --> 00:25:55,480
Speaker 4: side door frame, inside the fuel door, yeah, glove box,

572
00:25:55,520 --> 00:25:57,840
Speaker 4: or in your car's manual or on the actual tires.

573
00:25:57,920 --> 00:25:58,120
Speaker 1: Yeah.

574
00:25:58,240 --> 00:26:01,000
Speaker 4: Think of having underinflated time like trying to push your

575
00:26:01,000 --> 00:26:03,800
Speaker 4: bike up hill. It takes way more effort, which means

576
00:26:03,800 --> 00:26:06,720
Speaker 4: your car is using more fuel. So top up your

577
00:26:06,720 --> 00:26:11,200
Speaker 4: air for free to save some fuel genius. Keeping your

578
00:26:11,200 --> 00:26:14,119
Speaker 4: tires at the right pressure and aligned can make a

579
00:26:14,160 --> 00:26:17,160
Speaker 4: real difference. So you can help save on fuel by

580
00:26:17,160 --> 00:26:19,200
Speaker 4: making sure that there's the right air in your tires

581
00:26:19,240 --> 00:26:22,240
Speaker 4: back and also by not being Victoria divine and hitting

582
00:26:22,240 --> 00:26:24,680
Speaker 4: the curb as often as I do. Ideally, yeah, because

583
00:26:24,720 --> 00:26:26,960
Speaker 4: then you don't have to get your wheels aligned as often.

584
00:26:27,200 --> 00:26:28,840
Speaker 4: Two birds, one stone.

585
00:26:28,640 --> 00:26:31,000
Speaker 2: That's fantastic. And while you're ready to give your car

586
00:26:31,040 --> 00:26:33,520
Speaker 2: a little spring clean, because extra weight does mean extra

587
00:26:33,560 --> 00:26:35,359
Speaker 2: work for your engine as well, you're.

588
00:26:35,280 --> 00:26:37,520
Speaker 4: Just carrying heaps of stuff around in your back I've

589
00:26:37,520 --> 00:26:39,000
Speaker 4: never been in your car. I just feel like the

590
00:26:39,000 --> 00:26:41,080
Speaker 4: backseat of your car is probably like a house.

591
00:26:42,600 --> 00:26:44,679
Speaker 2: I was gonna say, you could probably imagine what my

592
00:26:44,720 --> 00:26:45,240
Speaker 2: car is like.

593
00:26:45,520 --> 00:26:47,520
Speaker 4: No, in a bad way. I just feel like you'd

594
00:26:47,520 --> 00:26:49,600
Speaker 4: be like nuts in the car because like you're always

595
00:26:49,600 --> 00:26:52,399
Speaker 4: at different friends' houses, like going to different places. I

596
00:26:52,400 --> 00:26:54,440
Speaker 4: feel like you're telling us to clean out our car,

597
00:26:54,480 --> 00:26:56,679
Speaker 4: when if you did it, you'd be annoyed at yourself

598
00:26:56,720 --> 00:26:59,639
Speaker 4: because now the handy stuff's not in your car totally.

599
00:27:00,000 --> 00:27:02,160
Speaker 2: Every single thing I've ever needed is in my car

600
00:27:02,240 --> 00:27:03,320
Speaker 2: at the moment, So you.

601
00:27:03,400 --> 00:27:06,160
Speaker 4: See, I get anxious if there's stuff in my car. Yeah,

602
00:27:06,240 --> 00:27:08,600
Speaker 4: fair Like, Nah, the boot has to be empty.

603
00:27:08,960 --> 00:27:11,080
Speaker 2: You would have a conniption if you my mood.

604
00:27:10,920 --> 00:27:13,119
Speaker 4: And then I have nothing. When I'm out, I'm like, oh,

605
00:27:13,160 --> 00:27:14,360
Speaker 4: I wish that was still in my car.

606
00:27:14,440 --> 00:27:16,480
Speaker 2: Okay, so this probably seems negligible, But when I have

607
00:27:16,600 --> 00:27:18,119
Speaker 2: like extra people in my car, I can see that

608
00:27:18,119 --> 00:27:20,040
Speaker 2: the petrol kind of runs out a little bit quicker

609
00:27:20,040 --> 00:27:22,440
Speaker 2: than it usually would. So if you have like junk

610
00:27:22,480 --> 00:27:24,240
Speaker 2: in your car, or you just want to give it

611
00:27:24,280 --> 00:27:26,400
Speaker 2: a good clean out, just keep it light, just keep

612
00:27:26,440 --> 00:27:27,879
Speaker 2: it bright, just keep it I love that.

613
00:27:27,920 --> 00:27:30,439
Speaker 4: While we're talking about what's in your car, maybe we

614
00:27:30,440 --> 00:27:32,199
Speaker 4: should talk about the car as a whole, because you

615
00:27:32,200 --> 00:27:34,560
Speaker 4: said it costs you more because there's more stuff in it.

616
00:27:34,920 --> 00:27:37,320
Speaker 4: But like, I don't know if I'm throwing myself under

617
00:27:37,359 --> 00:27:39,879
Speaker 4: a bus because I do drive a soccer mum car.

618
00:27:40,200 --> 00:27:45,160
Speaker 4: But if you're not hauling around a soccer team every weekend,

619
00:27:45,840 --> 00:27:48,520
Speaker 4: maybe you don't need the suv. Maybe it's time to

620
00:27:48,640 --> 00:27:53,480
Speaker 4: like downgrade. Smaller cars usually mean better fuel economy. I've

621
00:27:53,480 --> 00:27:55,280
Speaker 4: got a friend who bought the smallest car that they

622
00:27:55,280 --> 00:27:57,760
Speaker 4: could find, thinking it'd just be for their husband's commute

623
00:27:57,760 --> 00:27:59,800
Speaker 4: to and from work, but it turned out to be

624
00:28:00,040 --> 00:28:02,880
Speaker 4: so fuel efficient and such a money saber that they've

625
00:28:02,880 --> 00:28:05,480
Speaker 4: said a new rules. So whenever you're not driving the kids,

626
00:28:05,600 --> 00:28:07,920
Speaker 4: that's the car you got to take, yes, And it's

627
00:28:07,960 --> 00:28:10,080
Speaker 4: saving them so much money on their fuel and it's

628
00:28:10,080 --> 00:28:14,320
Speaker 4: practically their first choice now, like so smart. I really

629
00:28:14,400 --> 00:28:17,240
Speaker 4: like my car though, bex so like I can't bring myself.

630
00:28:16,920 --> 00:28:19,120
Speaker 2: To get rid of it, but I know, if you.

631
00:28:19,240 --> 00:28:22,960
Speaker 4: Can, and you're a money saving queen, maybe do that and.

632
00:28:22,920 --> 00:28:26,439
Speaker 2: The cheap to buy as well. You tried to exactly exactly,

633
00:28:27,320 --> 00:28:30,000
Speaker 2: but you can even consider going like electric if you

634
00:28:30,200 --> 00:28:32,160
Speaker 2: had the money to do that. I mean, I feel like.

635
00:28:32,080 --> 00:28:33,240
Speaker 4: That's an expensive option.

636
00:28:33,280 --> 00:28:36,000
Speaker 2: It's still really expensive option, but once you're there, I

637
00:28:36,000 --> 00:28:37,480
Speaker 2: feel like things are cheap. But from that.

638
00:28:37,440 --> 00:28:39,800
Speaker 4: Point, yeah, actually, do you know what? There's a video

639
00:28:39,840 --> 00:28:41,400
Speaker 4: and I'm gonna find it and I'm gonna link it

640
00:28:41,440 --> 00:28:44,680
Speaker 4: in the show notes. Queenie Tan did a video because

641
00:28:44,720 --> 00:28:47,640
Speaker 4: she has a Tesla and obviously Tesla's like to me,

642
00:28:47,800 --> 00:28:50,720
Speaker 4: a really bougie car, but she did the maths on

643
00:28:50,760 --> 00:28:53,640
Speaker 4: how much the Tesla costs her and how much she's

644
00:28:53,680 --> 00:28:56,480
Speaker 4: saving on fuel and how much her electricity costs her.

645
00:28:56,720 --> 00:28:58,720
Speaker 4: I think it's an Instagram real video. I'll find it

646
00:28:58,720 --> 00:29:00,360
Speaker 4: and I'll put it in the show notes. But that

647
00:29:00,480 --> 00:29:02,320
Speaker 4: video taught me that you do save money, but you

648
00:29:02,360 --> 00:29:03,920
Speaker 4: have to be kind of in it for the long haul.

649
00:29:03,960 --> 00:29:06,440
Speaker 4: It's like pullding solar panels on your roof, Like it

650
00:29:06,440 --> 00:29:08,320
Speaker 4: doesn't pay off in the first year, but over time

651
00:29:08,440 --> 00:29:10,800
Speaker 4: it does. Maybe if you're not ready to go like

652
00:29:10,920 --> 00:29:13,240
Speaker 4: full electric, you could think about like a plug in

653
00:29:13,400 --> 00:29:16,120
Speaker 4: hybrid car could be the perfect middle ground. So you've

654
00:29:16,120 --> 00:29:18,760
Speaker 4: got like the best of both worlds. You've got improved

655
00:29:18,800 --> 00:29:22,280
Speaker 4: fuel economy and the flexibility of a petrol engine. Like,

656
00:29:22,600 --> 00:29:23,080
Speaker 4: how good?

657
00:29:23,280 --> 00:29:25,560
Speaker 2: How good? I feel like we've covered so much today.

658
00:29:25,720 --> 00:29:28,160
Speaker 2: So we've given you some solar tips, how to negotiate

659
00:29:28,200 --> 00:29:30,440
Speaker 2: better deals on your insurance and loans, and the best

660
00:29:30,480 --> 00:29:32,920
Speaker 2: way to use fuel map apps, and a few clover

661
00:29:32,960 --> 00:29:35,600
Speaker 2: hacks to stretch your petrol budget even further.

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00:29:35,720 --> 00:29:37,280
Speaker 4: But I feel like the best tip coming out of

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00:29:37,280 --> 00:29:40,200
Speaker 4: this podcast today is like, don't us don't get Yeah,

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00:29:40,720 --> 00:29:43,320
Speaker 4: let's just put our big girl shoes on and be like, well,

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00:29:43,360 --> 00:29:44,520
Speaker 4: can you do a better deal for me?

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00:29:44,800 --> 00:29:45,120
Speaker 2: Yes?

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00:29:45,320 --> 00:29:47,640
Speaker 4: Like it's hard, but once you kind of like do

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00:29:47,720 --> 00:29:50,480
Speaker 4: it for the first time, every other time after that

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00:29:50,520 --> 00:29:52,720
Speaker 4: gets much easier. And I mean, in this cost of

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00:29:52,760 --> 00:29:55,480
Speaker 4: living crisis, it's all about doing what we can to

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00:29:55,560 --> 00:29:57,880
Speaker 4: keep money in our own pockets. I mean, I'm a

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00:29:57,920 --> 00:30:00,480
Speaker 4: fan of that twenty four to seven, but right now,

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00:30:00,560 --> 00:30:02,920
Speaker 4: I feel like people are feeling the pinch. So even

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00:30:02,920 --> 00:30:04,880
Speaker 4: if you only do a couple of these things to

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00:30:04,880 --> 00:30:07,120
Speaker 4: save yourself, like one hundred bucks or two hundred bucks

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00:30:07,120 --> 00:30:10,320
Speaker 4: a month, beck, that's like twelve hundred or two and

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00:30:10,320 --> 00:30:13,840
Speaker 4: a half grand a year. Yeah, Like, that's a lot

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00:30:13,960 --> 00:30:17,440
Speaker 4: of money. That is so much money back in your pocket.

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00:30:17,480 --> 00:30:19,520
Speaker 4: And let's be honest, who doesn't want an extra couple

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00:30:19,520 --> 00:30:21,120
Speaker 4: of grand to work into their budget?

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00:30:21,240 --> 00:30:21,880
Speaker 2: Wouldn't hate it?

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00:30:22,000 --> 00:30:22,880
Speaker 4: I wouldn't hate it either.

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00:30:23,360 --> 00:30:25,520
Speaker 2: In an ideal world, these things would be accessible and

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00:30:25,600 --> 00:30:27,920
Speaker 2: cheap and affordable. But right now, exactly, we gotta do

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00:30:27,920 --> 00:30:29,120
Speaker 2: what we gotta do exactly.

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00:30:29,320 --> 00:30:31,960
Speaker 4: So we'll see you on Friday everyone. Now, I'm off

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00:30:32,000 --> 00:30:35,200
Speaker 4: to finally drop that opshop box that's actually been sitting

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00:30:35,240 --> 00:30:38,520
Speaker 4: in my car for a little while on my way home,

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00:30:38,680 --> 00:30:39,520
Speaker 4: So we'll see then.

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00:30:39,760 --> 00:30:40,360
Speaker 2: Bye, guys.

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00:30:46,080 --> 00:30:47,600
Speaker 4: Did buy shared on She's on?

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00:30:47,640 --> 00:30:50,479
Speaker 5: The money is generally nature and does not consider your

693
00:30:50,520 --> 00:30:54,960
Speaker 5: individual circumstances. She's on the Money exists purely for educational

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00:30:55,000 --> 00:30:57,440
Speaker 5: purposes and should not be relied upon to make an

695
00:30:57,480 --> 00:31:00,760
Speaker 5: investment or financial decision. If you'd do choose to buy

696
00:31:00,760 --> 00:31:04,480
Speaker 5: a financial product, read the PDS TMD and obtain appropriate

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00:31:04,520 --> 00:31:05,800
Speaker 5: financial advice.

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00:31:05,440 --> 00:31:06,800
Speaker 4: Tailored towards your needs.

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00:31:07,160 --> 00:31:11,120
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

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Speaker 5: of money. Sheper p T y lt D A b

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Speaker 5: N three two one six four nine two seven seven

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Speaker 5: zero eight AFS L four five one two eight nine