Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order
Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we
Speaker 1: get started on She's on the Money podcast, I would
Speaker 1: like to acknowledge the traditional custodians of the land of
Speaker 1: which this podcast is recorded on a wondery country, acknowledging
Speaker 1: the elders, the ancestors and the next generation coming through
Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to She's on the Money. If you
Speaker 4: are like the many households feeling the pinch when it
Speaker 4: comes to transport costs, you are not alone. The Transport
Speaker 4: Affordability Index by the Australian Automobile Association or the AAA,
Speaker 4: has revealed the average Aussie household spends almost five hundred
Speaker 4: dollars on transport each week.
Speaker 2: Five hundred bars. Yeah, I'm sorry, I'm just in the background.
Speaker 4: And where'd you come from?
Speaker 2: Five hundred dollars a week? That's what some people earn.
Speaker 4: Beck I know, I know that's so hectic. So today
Speaker 4: we're gonna give you all the tips and tricks you
Speaker 4: need to relieve some of that pressure you were feeling
Speaker 4: when it comes to your transportation cost fun. Thank goodness,
Speaker 4: I feel like that's a lot. I guess like when
Speaker 4: I think about tollers, you got your petrol, which is
Speaker 4: like a million dollars a leader.
Speaker 2: Now we're gonna break it down.
Speaker 4: Let's break it down. Joining me today is the woman
Speaker 4: who's all about helping you keep that hard earned cash
Speaker 4: in your pocket. I say it like this's some one extra,
Speaker 4: it's like another person here, but.
Speaker 2: I always dive in, like you write these beautiful intros
Speaker 2: after I'm like, this is what we talking about, and
Speaker 2: then you're like this is where you come in V
Speaker 2: And I'm like, no, it's not, but that's really cute.
Speaker 4: So to keep it a surprise.
Speaker 2: So who's with you? Wow, betrayed Vine, Molly BECKSI yed.
Speaker 2: Thank you for having me. Oh you're so welcome, thank
Speaker 2: you for being I'm excited to talk about transportation costs
Speaker 2: today mainly because once we started digging into this, I
Speaker 2: was so mad about how much we're spending on transport
Speaker 2: I did not realize that it was that much, and
Speaker 2: then when I reviewed my own budget, Beckett, is indeed
Speaker 2: that much, and it's just not okay.
Speaker 4: I know. So I can gather you were as shocked
Speaker 4: as I.
Speaker 2: I was as shocked as you are. I have had
Speaker 2: a little bit of time to mull it over. According
Speaker 2: to the report, over the twelve months to June the thirtieth,
Speaker 2: twenty twenty four, my birthday, transportation costs for the typical
Speaker 2: Australian household rose by ten and a half percent. That
Speaker 2: is almost triple the CPI increase of three point eight
Speaker 2: percent over the same period. It also showed that in
Speaker 2: the June twenty twenty four quarter, typical Australian household spent
Speaker 2: seventeen percent of its income on transport, which is now
Speaker 2: up from fifteen point nine percent twelve months previous. Who
Speaker 2: like a double whole, I mean, up from fifteen point
Speaker 2: nine percent. But beck I had never deep dived into
Speaker 2: the statistics around what transportation costs, and I feel like
Speaker 2: if I made this episode a year ago, I think
Speaker 2: I still would have been offended. At fifteen point nine percent.
Speaker 4: That is massive and also worrying, of course, So how
Speaker 4: do we break down those costs.
Speaker 2: So the report says that the average household spend on
Speaker 2: transport is four hundred and fifty eight dollars and eighty
Speaker 2: two cents, and forty six point two percent of that
Speaker 2: goes to car loan repayments for an average of two
Speaker 2: hundred and eleven dollars and eighty two cents, and then
Speaker 2: BECK one hundred and one dollars and forty four cents,
Speaker 2: or twenty two point one percent goes to fuel checks out.
Speaker 2: I don't think anyone's surprised by that one. We're spending
Speaker 2: on average forty three dollars and fifty eight cents on insurance.
Speaker 2: That's nine point five percent. Servicing and tires take up
Speaker 2: seven point seven percent or thirty five dollars and thirty
Speaker 2: six cents, which I feel like so many of us
Speaker 2: forget to spend on. So just a reminder, if you
Speaker 2: haven't got your tires checked, do it now. Registration, CTP
Speaker 2: and licensing is thirty two dollars and fourteen cents per
Speaker 2: month or seven percent BECK. And we're spending twenty dollars
Speaker 2: and ninety nine cents on public transport and two dollars
Speaker 2: and thirty six cents on roadside assist.
Speaker 3: Beck.
Speaker 5: I know, when you like start to add them all up,
Speaker 5: it really starts to eat away your budget. I know,
Speaker 5: and I feel like I've said this a million times,
Speaker 5: but we're so good at not zooming out when we.
Speaker 2: Look at car costs. I go, what's to fuel this month?
Speaker 2: You go, yep, one hundred bucks? And I go, great,
Speaker 2: Nor does that make sense? Move on? We forget to
Speaker 2: really budget in registration CPT what your actual license in
Speaker 2: your wallet costs?
Speaker 4: True?
Speaker 2: Exactly, because like you're not paying that every single year.
Speaker 2: Most of us are paying it like every five or
Speaker 2: ten years usually. So we forget that roadside assist. Did
Speaker 2: you remember that some of us pay that? Because I
Speaker 2: forgot that.
Speaker 4: I am shocked by how little it is, and I
Speaker 4: don't know why. It's because it's.
Speaker 2: About one hundred and twenty bucks a year on average.
Speaker 4: Yeah, okay, chat.
Speaker 2: And eleven dollars and fifteen cents on tolls each month, Beck,
Speaker 2: which I need to tell you about something. I'm in
Speaker 2: a little bit of trouble.
Speaker 4: What did you do?
Speaker 2: Oh, I'm in trouble with the police. Beck.
Speaker 4: I would never have thought it's me.
Speaker 2: There's going to be a warrant out for my arrest.
Speaker 2: Do you want me to tell you why or should
Speaker 2: we just not tell anybody and leave it be on Lucy.
Speaker 4: That's cruel, let's do it.
Speaker 2: Okay. So I recently got a new car and did
Speaker 2: everything for it, but the thing I forgot to do
Speaker 2: was update my tolls. Yeah right, So obviously the toll
Speaker 2: company has been sending me in voices, but very complex,
Speaker 2: very I guess privileged position that I'm in. My car
Speaker 2: is registered in my business's name. And as you know,
Speaker 2: I've recently moved offices, haven't I Oh, which is exciting.
Speaker 2: So all of the toll letters have been going to
Speaker 2: my old office and I haven't swung past there in
Speaker 2: a little while to pick up my mail. So get
Speaker 2: my mail, beck And not only are their toll notices
Speaker 2: and I saw them and I'm like, oh my gosh,
Speaker 2: that's so silly of me. I need to pay them,
Speaker 2: put them on my desk. No worries. You would think
Speaker 2: that's where it ends. The police. I've sent me a
Speaker 2: fine for driving on toll roads without the toll licensing
Speaker 2: or whatever it is. Yes, I didn't realize that the
Speaker 2: police got involved in that.
Speaker 4: Well, I hate to break it to you, but I
Speaker 4: have had at least twelve of those exact same things.
Speaker 2: Well, well, I'm not going to jail. I'm not going
Speaker 2: to go to jail.
Speaker 4: I don't like this part of Victoria. It is a
Speaker 4: very Victorian thing. I never had this in Sydney.
Speaker 2: You were like I could not pay my tolls, and
Speaker 2: nobody would come trying to arrest me.
Speaker 4: Yeah, or at least I'd be like, oh, you need
Speaker 4: to pay your tolls. And if I can't pay my tolls,
Speaker 4: it's because they can't afford my tolls.
Speaker 2: I felt like i'd been dibbitdobbed.
Speaker 4: Yeah, because now it's like with the police, you at
Speaker 4: least ten times more than the actual time.
Speaker 2: I'm thankful that there's no demerit points. I just have
Speaker 2: to pay a fine. But like I just forgot to
Speaker 2: register my car, and like, don't get me wrong. Of
Speaker 2: all people to have not done something, it should not
Speaker 2: have been me, Like I should be better than this.
Speaker 2: I get it. Crucify me, but I'm just a girl.
Speaker 4: I'm just trying to make it in this.
Speaker 2: Well, I'm just trying to make it in this world.
Speaker 4: I get it. Okay, I think we can say about listeners.
Speaker 4: Some of these costs, do you reckon We could obviously.
Speaker 2: Yes, Like I didn't come here to just have a
Speaker 2: silk about something and then walk away and be like,
Speaker 2: this is your problem to deal with. I don't want
Speaker 2: to do that.
Speaker 4: For my entire life.
Speaker 2: Purpose is to save people money and get them investing
Speaker 2: so that they can be rich. Like I want everybody
Speaker 2: to be rich.
Speaker 4: It's so nice.
Speaker 2: It'd just be so fun.
Speaker 4: Would be fun.
Speaker 2: You're all rich, Yeah, Like we can all be rich friends.
Speaker 4: That's the goal, all right.
Speaker 2: So I obviously want to start by talking about getting
Speaker 2: a better deal on two of the bigger ones. So
Speaker 2: your car loan and your insurance, those are like big
Speaker 2: hitting ones we're going to start with. And I know
Speaker 2: for some people, Beck, they might feel a little bit
Speaker 2: icky when it comes to asking for a better deal. Yeah,
Speaker 2: drop the ick at the door. We don't have ick.
Speaker 2: We want to be rich and rich people they ask
Speaker 2: for a better deal, Yeah, that's rich girl energy. Here's
Speaker 2: the thing. If you don't ask, though, Beck, you don't
Speaker 2: get so you can stay with your crap deal or
Speaker 2: you can get a better deal. When I put it
Speaker 2: like that, it makes you feel a little bit bad
Speaker 2: for staying with a crap deal, doesn't it that's my
Speaker 2: intention moving on. Great, No one's going to ring you
Speaker 2: out of the blue and be like, hey, here's a
Speaker 2: better deal for you, Beck, because that's just not what
Speaker 2: they do. And they're definitely not going to say, oh,
Speaker 2: we're going to cancel your loan or your insurance just
Speaker 2: because you asked. Sadly, So you've got nothing to lose,
Speaker 2: and here are the steps that you need to take.
Speaker 2: So start by doing your research. For car loans, compare
Speaker 2: interest rates, fees, and the loan term. Then for insurance,
Speaker 2: check out the premiums, coverage options, and the customer reviews,
Speaker 2: which I think is really important because at the end
Speaker 2: of the day, insurance I want to be the biggest
Speaker 2: waste of money ever, Like I want you to be like, damn,
Speaker 2: I didn't use insurance. Great, nothing bad happened, you didn't
Speaker 2: need to claim on it. Money win, life win. But
Speaker 2: when it comes time to claim, reviews are really important
Speaker 2: because if it's then a really fickle situation to claim
Speaker 2: or they're not nice to deal with, Like, we don't
Speaker 2: need that in our lives, especially when you're probably already
Speaker 2: stressed because you probably had a little bit of a
Speaker 2: bingle with your car. The more you know, the stronger
Speaker 2: your negotiation position. So just a quick heads up. If
Speaker 2: you're using comparison websites, remember that some of them are
Speaker 2: actually just marketing tools.
Speaker 4: Yes, that's true.
Speaker 2: They might be getting paid to promote certain retailers, which
Speaker 2: means they're not always showing you absolutely every single available option.
Speaker 2: You might need to dig a little bit deeper, do
Speaker 2: a bit more Google. You could be missing out on
Speaker 2: better deals elsewhere. And our community member Jess, I've pulled
Speaker 2: this from our Facebook group. She says, before you do
Speaker 2: your research, wipe your cash on your browser so that
Speaker 2: your history is completely clear on your computer, so that
Speaker 2: the Internet shows you new customer prices instead of current
Speaker 2: customer prices when you look at your current provider. Oh
Speaker 2: my gosh, smart girl, Thank you, Jess.
Speaker 4: That's really clever.
Speaker 2: Yep. And they often offer new customers better prices to
Speaker 2: lock them in, only to jack up the price next year.
Speaker 2: It's called loyalty tax. We've done an entire podcast episode
Speaker 2: on it. Look it up. I've heard stories of people
Speaker 2: canceling their current policy only to sign straight back up
Speaker 2: with a new one with the same company on the
Speaker 2: same day just to save themselves some serious cash.
Speaker 4: Yeah.
Speaker 2: Cool from my perspective. I don't know if this is
Speaker 2: ballsy or not, but like tell them you can do that,
Speaker 2: like on the phone, be like, either give me a
Speaker 2: better deal or I'm counseling it. I'm just going to
Speaker 2: sign back up.
Speaker 1: Yeah.
Speaker 5: True.
Speaker 2: You want me to do here, like make the math math? Yeah, Like,
Speaker 2: I'm not trying to be a dick. I just want
Speaker 2: to not pay loyalty tax.
Speaker 1: Yeah.
Speaker 2: Like, I've been loyal to you. I've given you my
Speaker 2: money consistently for the last few years. And you're telling
Speaker 2: me you're going to give someone else a cheaper deal.
Speaker 4: It would be wise sentive to stick around. Yeah, like
Speaker 4: they get me.
Speaker 2: Imagine a company that said, beck join us, pay the
Speaker 2: market rate, and then every year we give you a
Speaker 2: little discount to stage, we give you a little treat
Speaker 2: we give you a little treaty tree.
Speaker 4: Yeah, that would be way more centige.
Speaker 2: Exactly, I mean exactly, no, but like we could be
Speaker 2: look at how smart we are. But getting back to
Speaker 2: doing your research. Once you have all of that information,
Speaker 2: it's time to make the call. You can start with
Speaker 2: high I've noticed that competitor X is offering a lawer rate,
Speaker 2: and I'd really like to talk to someone who can
Speaker 2: match that. What we want to do here, Beck is
Speaker 2: kill them with kindness. If you go in aggressive, which
Speaker 2: you might feel because you might have realized that you're
Speaker 2: being taken for a ride. Sure, we don't want that
Speaker 2: energy on the phone. We don't want to bring that because,
Speaker 2: like used to work for a super company. If someone
Speaker 2: called you salty, will you happy to help them? No? No, no, no.
Speaker 4: I would go out of my goddamn way for someone
Speaker 4: who is nice to me. Yeah, exactly, who's immediately mean
Speaker 4: and I don't even know them. They don't know me,
Speaker 4: I don't know them. I'm literally just here trying to
Speaker 4: make a buck, exactly.
Speaker 2: So we're going to be polite, but firm. Kindness obviously
Speaker 2: goes a really long way. I adore the saying you
Speaker 2: catch more flies with honey, and it really rings true
Speaker 2: when you're dealing with customer service operator, So true, don't
Speaker 2: be dick, Yeah, I love that hard. Make sure that
Speaker 2: you mention your loyalty, but highlight the better deals that
Speaker 2: you've found. So, for example, you might be whipping out
Speaker 2: your pen at this point your introductory rate for new
Speaker 2: customers is much lower than what I'm currently getting as
Speaker 2: a very loyal customer. Or consider bundling. So say, if
Speaker 2: I bring my car insurance over in addition to my
Speaker 2: home insurance that I already have, can you offer me
Speaker 2: a discount? Make it worth their while? And remember, be
Speaker 2: ready to walk away, So that one is the hard one.
Speaker 4: Yeah, be ready to walk away.
Speaker 2: Sometimes the best deal is actually with another provider, and
Speaker 2: that's totally okay. You can say on the phone, thank
Speaker 2: you so much for your help. Beg Like, I know
Speaker 2: that you've said that you're trying your best and that
Speaker 2: that's the best deal you can offer. Unfortunately, I just
Speaker 2: think I can get it elsewhere cheaper. Like I'm sure
Speaker 2: you can understand that. Like everyone is just out to
Speaker 2: get the best deal from themselves. Beck just worked for
Speaker 2: the super company, you know, Like you're not mad that
Speaker 2: Sandra is not going to stay.
Speaker 4: I don't mind, you don't mind.
Speaker 2: Yeah, And you're probably like sleigh, Sandra, like get that
Speaker 2: budget Greween.
Speaker 4: Because they can't say it, but they know in their heads,
Speaker 4: they're like, you can get a bad deal elsewheah.
Speaker 2: Yeah, yeah, Like you know that that's a shitty deal.
Speaker 2: You know that that's not exactly what we want, but
Speaker 2: I can't tell you. Yeah, by the way, go down
Speaker 2: to this other provider. They're going to give you cheaper insurance.
Speaker 2: They're not gonna say that because I'd lose my job
Speaker 2: in no way, absolutely not. You can have a laugh
Speaker 2: and be like you and I both know beck catch up.
Speaker 4: Yeah.
Speaker 2: I love when you're working with like hospitality or retail stuff,
Speaker 2: or like something stinky happens and you say something that
Speaker 2: you know they can't respond to, so all you get
Speaker 2: back from them is like a little smirk and then
Speaker 2: they walk off. I'm always like here, here exactly, so
Speaker 2: we are going to be ready to walk away because
Speaker 2: we want a better deal. But do you know what,
Speaker 2: sometimes when you say you're going to walk away, look
Speaker 2: at that they have a last minute offer.
Speaker 4: Where does this come from?
Speaker 2: Cocidence?
Speaker 4: Ha haha. Now, if you didn't take notes on all that,
Speaker 4: don't worry. If has made a handy little guide for you.
Speaker 2: And when I say I have, I mean my gorgeous
Speaker 2: graphic designer Georgia has Thank you Georgia. She's taken all
Speaker 2: of this information and put it into a handy dandy
Speaker 2: little guide that you can download.
Speaker 4: Guess what, Beck, Yeah for free?
Speaker 2: Whoa on our website. I love for you want anything? Nope,
Speaker 2: don't want anything?
Speaker 4: Name your trade yeah, Apple or something?
Speaker 2: Oh? Thanks?
Speaker 4: Well, if you want to find that, it will be
Speaker 4: in the True Notes. We can download it or you
Speaker 4: can download it on the website True.
Speaker 2: So. There are also some other ways to cut down
Speaker 2: your insurance costs. The most obvious is OPTI for a
Speaker 2: higher excess, which you can budget for. This means you'll
Speaker 2: pay more upfront if you end up making a claim,
Speaker 2: But if you've got your emergency fund sorted, it might
Speaker 2: be worth considering to bring down those premiums. Like, if
Speaker 2: you're planning your emergency fund, maybe have a look. Maybe
Speaker 2: you go, all right, well, I know that if I
Speaker 2: had one thousand dollar excess instead of a five hundred
Speaker 2: dollars excess, i'd pay less premiums over the year. Can
Speaker 2: we also, just like I guess sense, check this as well, Beck,
Speaker 2: because you might want to be saving that. But you
Speaker 2: don't have the capacity to have a emergency fund with
Speaker 2: an extra thousand dollars in it. Like, I'm not delusional,
Speaker 2: I know that that is hard for a lot of people.
Speaker 2: So if it works for you, fantastic. That's what financial
Speaker 2: freedom affords you.
Speaker 3: Beck.
Speaker 2: Financial freedom can sometimes afford you to go with the
Speaker 2: cheaper option, right, Like some people have to go with
Speaker 2: the higher option because they don't have that emergency fund.
Speaker 2: And I don't want people listening to this and being like, well,
Speaker 2: that's not me. I guess I fail. No, you don't, queen,
Speaker 2: Look at you listening to finance content getting.
Speaker 4: Ahead, Get a girl, get it.
Speaker 2: I actually think it was really important to sense check there.
Speaker 2: But that's definitely something worth considering if you want to
Speaker 2: bring down those premiums and then another sense check here,
Speaker 2: because I completely understand that not everyone has the cash
Speaker 2: on hand to pay their car insurance for the whole
Speaker 2: year upfront. But if you plan ahead, often paying in
Speaker 2: one lump sum could save you some money on premiums
Speaker 2: because they often have a lower rate, like overall if
Speaker 2: you pay annually instead of monthly. I think that that's
Speaker 2: just another reason why the rich get richer. So true
Speaker 2: these so annoying, right, I know.
Speaker 4: It's like if I could early a ford months a month,
Speaker 4: give me, it just.
Speaker 2: Really frustrates me. The economic inequality that exists, like it's
Speaker 2: the stereotypical example, right of a pair of shoes, Like
Speaker 2: somebody who has the wealth can buy their kid a
Speaker 2: pair of school shoes that last the whole year, because
Speaker 2: that pair of school shoes is like one hundred and
Speaker 2: fifty dollars, and like that's so wild for a lot
Speaker 2: of parents. But then over the course of the year
Speaker 2: they might go to Cama a heap of times because
Speaker 2: they're just like, I'm just buying school shoes from Cama.
Speaker 2: But like every second month or so, they break or
Speaker 2: they you know, fall apart, and then they end up
Speaker 2: spending more on school shoes because they didn't have that
Speaker 2: high entry price point to begin with. Yeah, like it's
Speaker 2: just again, the rich keep getting richer because they have
Speaker 2: the ability to invest in more sustainable options. And I
Speaker 2: don't mean sustainable for the economy, I mean more sustainable
Speaker 2: for them. Like that pair of school shoes might get
Speaker 2: three or four years of use out of them because
Speaker 2: they're just a good quality shoe, you know, totally v
Speaker 2: So it just really frustrates me that that exists. But
Speaker 2: apparently it also exists in the insurance world.
Speaker 4: Ah good, good, good good. We can't escape it.
Speaker 2: So then Finally, Beck, some policies have dry less payless options,
Speaker 2: which bet you didn't know that existed.
Speaker 4: Hah.
Speaker 2: And I also think is really exciting because you pay
Speaker 2: a lower premium if you stay under a certain number
Speaker 2: of kilometers each year. So if you know your average mileage,
Speaker 2: use that for when you're getting a quote, and it
Speaker 2: might actually make you get a cheaper rate. Kind of attractive,
Speaker 2: And don't hesitate to ask for a discount on low
Speaker 2: kilometers even if it's not advertised. They might offer it
Speaker 2: over the phone. Yeah, true, everything's up for negotiation, yes,
Speaker 2: and if they say no, I'm just going to negotiate
Speaker 2: with you from a different angle. I'm lucky to get
Speaker 2: me on the phone.
Speaker 4: I would cry immediately.
Speaker 2: So unlucky. I do apologize for anybody who does get
Speaker 2: me on the phone, except for that one girl at
Speaker 2: Boopa who one time said that my podcast was really nice.
Speaker 2: At the end of our phone call, she's like, I'm
Speaker 2: really glad that I could help you. Also, I really
Speaker 2: like your podcast, and I was like, oh my god,
Speaker 2: did you know me this whole time? It was really wholesome.
Speaker 4: That is so sweet.
Speaker 2: It was my favorite thing ever. Wow, definitely was put
Speaker 2: through her paces poor girl, like when she love your podcast.
Speaker 2: I was low key thinking like at least I walk
Speaker 2: the walk, you.
Speaker 4: Know, yeah, like can't even imagine. So there are obviously
Speaker 4: some good ways to save on insurance. Let's take a
Speaker 4: quick break and when we come back, we'll have more
Speaker 4: tips to spash your transport costs. Don't go anywhere, alright,
Speaker 4: V we are back. Should we tackle petrol costs?
Speaker 2: Yes, so this episode just don't use petrol.
Speaker 1: Yeah.
Speaker 4: I did cycle actually for a few months to work.
Speaker 2: That's a good money saving hat. Yeah, from Brunswick to
Speaker 2: I won't be doing that. No, if you can't do that,
Speaker 2: or like me, you just won't do that.
Speaker 4: And that's very valid as well, very very valid.
Speaker 2: So it's probably a good idea to talk about it
Speaker 2: because in that report we quoted earlier, the average household
Speaker 2: is spending over five grand a year on petrol. Beck,
Speaker 2: five grand, that's a whole family holiday.
Speaker 4: Yeah, seriously, that's on stuff you literally burn.
Speaker 2: Don't talk to me about cigarettes, not me, you Beck.
Speaker 4: Yeah, I love a c.
Speaker 2: We're not endorsing cigarette. That is dirty bit and you
Speaker 2: should kick it, and you know you should.
Speaker 4: Kick it, yes, ma'am. But I do not judge you.
Speaker 4: Thank you.
Speaker 2: I couldn't care less you make a decision about your
Speaker 2: body anyway. Choice Consumer poles surveyed this year found that
Speaker 2: eighty one percent of households were concerned about the cost
Speaker 2: of fuel. The other nineteen percent must be pretty chill
Speaker 2: to be honest, imagine not being concerned about five grand
Speaker 2: on petrol. Be for real. I feel like petrol is
Speaker 2: constantly over two dollars a leater these days. I don't
Speaker 2: feel like I'm spending less, which is so expensive. But
Speaker 2: the good news is there are some ways that you
Speaker 2: can save at the pump.
Speaker 4: Cool Like, I know a lot of our communities swear
Speaker 4: by this first tip. I get a lot of people
Speaker 4: recommending it for my bridge at.
Speaker 2: The seven eleven app well, because I feel I feel
Speaker 2: like the seven eleven app has a cult following.
Speaker 4: It actually is incredible. But also petrol spy.
Speaker 2: I love a petrol spy as well.
Speaker 4: There are so many of them, so how do you
Speaker 4: know the one you're using has the best info?
Speaker 2: Well, according to the A Triple C, they are about
Speaker 2: forty of them in total in Australia. Isn't that why
Speaker 2: I could not name forty? I could name the seven
Speaker 2: eleven petrol app. Yes, that's it. That's the only one
Speaker 2: I use, and they all run a little bit differently.
Speaker 2: So most of the state governments actually require petrol companies
Speaker 2: to report their prices and have their own data systems
Speaker 2: and government run apps, which is interesting. Then there are
Speaker 2: third party apps. Some of these run using the government data,
Speaker 2: while other commercial services use information that is community sourced,
Speaker 2: meaning you're relying on other motorists to update prices, which
Speaker 2: you might see in like the ways app, so you
Speaker 2: know how you can like track things in there. I
Speaker 2: find that really interesting conversation for another day. The ones
Speaker 2: that use government data seem to be the most accurate
Speaker 2: as it comes straight from the source. And this is
Speaker 2: a shame for us in Victoria as our state government
Speaker 2: is the only state that doesn't do this.
Speaker 1: Good.
Speaker 2: Yeah, really nice. But seven eleven app, well you just
Speaker 2: lock it in, Yeah, and it's guaranteed. We love to
Speaker 2: see it, even with short notice. We're not being sponsored
Speaker 2: by seven eleven. By the way, I really love these
Speaker 2: sand which just had to disclaim that because I see
Speaker 2: under like a little bit of an ad. They've got
Speaker 2: nothing to do with this right now. Shocking, so I
Speaker 2: mean we should have approached them. Actually, that would have
Speaker 2: been good. Oh it's also I didn't know it.
Speaker 4: It's too late.
Speaker 2: It is too late. Even with short drive though, beg
Speaker 2: you might find significant price differences between different petrol stations.
Speaker 2: A Choice article highlighted a fifty two cent per liter
Speaker 2: difference they found in the same type of fuel between
Speaker 2: two petrol stations only five minutes apart. Those dogs, isn't
Speaker 2: it insane? So it's definitely worth using these apps to
Speaker 2: shop around and to save and put yourself in the
Speaker 2: best possible position. The Premiere of South Australia has even
Speaker 2: come out and said that their app has saved locals
Speaker 2: who use it about three hundred and fifteen bucks each
Speaker 2: in the last year. So if you're listening Victoria Government,
Speaker 2: it's me Victoria Divine and it's time to start your
Speaker 2: own please and thank you.
Speaker 4: And don't forget a lot of fuel retails in Australia
Speaker 4: are owned by supermarket, so it's always worth checking if
Speaker 4: your rewards cards can score you an extra deal. You know,
Speaker 4: back in the day you'd have those little.
Speaker 2: Yeah shop a Dockers that's all on the rewards. These
Speaker 2: episodes getting really long but I looked at the back
Speaker 2: of my supermarket receipt the other day back well, there
Speaker 2: was no deals on it here. I don't want to
Speaker 2: live in twenty.
Speaker 4: Four It is nice to get little Domino's ones, obviously, all.
Speaker 2: Right, So back to this, it's all about looking at
Speaker 2: your shopping habits and seeing where you can use some
Speaker 2: points and rewards and even cash back to maximize your savings.
Speaker 2: We saw in the community recently people buying gift cards
Speaker 2: on shop back to then use to spend on fuel
Speaker 2: genius is hacking the system. And you might remember us
Speaker 2: talking about the savvy queen from our community a few
Speaker 2: weeks back who was buying upsized a pole vouchers from
Speaker 2: shop back and then scanning her wool Is card for
Speaker 2: points and hacking the system completely for real.
Speaker 4: But what about the way you run and take care
Speaker 4: of your car.
Speaker 2: The one thing that they really didn't take into account
Speaker 2: is how much people spend cleaning their cars. I live
Speaker 2: in a city and I'm really lucky. When I drive
Speaker 2: home sometimes my dad will wash my car in their
Speaker 2: frontyard free for me money in But like I can't
Speaker 2: just like put my car in the driveway and wash
Speaker 2: it like I have to spend money cleaning my car
Speaker 2: going through like the car wash or even the day
Speaker 2: car wash that takes the two lot of coins you
Speaker 2: know I'm talking about.
Speaker 4: Yeah, totally.
Speaker 2: They forgot that one.
Speaker 4: It's another one. I've always wondered what the point is.
Speaker 4: I don't think I've cleaned my car in a while,
Speaker 4: Like do you do it for safety reasons?
Speaker 2: Like can you see in your windscreen?
Speaker 4: I can see it through my windscreen. That's all I
Speaker 4: need to do.
Speaker 2: We'll talk about this off air, But yes, servicing your car.
Speaker 2: I know it might not be the most exciting thing
Speaker 2: on your to do list, but a well maintained car
Speaker 2: is a fuel saving machine. Like at the end of
Speaker 2: the day, when your car is in its best shape,
Speaker 2: it's less likely to gos will fuel because of issues
Speaker 2: like clogged air filters and faulty spark plugs or low
Speaker 2: oil that my car keeps telling me it's scott Like, baby,
Speaker 2: you don't need oil, you're not cooking. Book in your.
Speaker 4: Service book in your service But also do try. There
Speaker 4: are so many things in my car that I've just
Speaker 4: done myself. For example, like it wouldn't start once I
Speaker 4: just change one of the fuel injector fuses, which doesn't
Speaker 4: make sense right now, but if you google literally you
Speaker 4: can do most things.
Speaker 2: I mean, you can change your windscreen wipers, like you
Speaker 2: can just go to autobar and eat them for like
Speaker 2: twenty bucks. You don't need to pay one hundred and twenty.
Speaker 4: Easy, easy fix it. I changed my headlights the other
Speaker 4: day to literally less than three minutes up.
Speaker 2: You're in coolant.
Speaker 4: You can do all of that stuff yourself.
Speaker 2: So we should do Beck's car hacks, and it's Beck
Speaker 2: teaching you how to do things you are seriously, I
Speaker 2: could diagnose it a few and then we can go
Speaker 2: from there.
Speaker 4: But yeah, try and pressure, of course I do.
Speaker 2: I've written that down as my next tip. So this
Speaker 2: is something that you can easily do yourself next time
Speaker 2: you stop for fuel and it's free. You can usually
Speaker 2: find the right pressure for your tires on the driver's
Speaker 2: side door frame, inside the fuel door, yeah, glove box,
Speaker 2: or in your car's manual or on the actual tires.
Speaker 1: Yeah.
Speaker 2: Think of having underinflated time like trying to push your
Speaker 2: bike up hill. It takes way more effort, which means
Speaker 2: your car is using more fuel. So top up your
Speaker 2: air for free to save some fuel genius. Keeping your
Speaker 2: tires at the right pressure and aligned can make a
Speaker 2: real difference. So you can help save on fuel by
Speaker 2: making sure that there's the right air in your tires
Speaker 2: back and also by not being Victoria divine and hitting
Speaker 2: the curb as often as I do. Ideally, yeah, because
Speaker 2: then you don't have to get your wheels aligned as often.
Speaker 2: Two birds, one stone.
Speaker 4: That's fantastic. And while you're ready to give your car
Speaker 4: a little spring clean, because extra weight does mean extra
Speaker 4: work for your engine as well, you're.
Speaker 2: Just carrying heaps of stuff around in your back I've
Speaker 2: never been in your car. I just feel like the
Speaker 2: backseat of your car is probably like a house.
Speaker 4: I was gonna say you could probably imagine what my
Speaker 4: car is like.
Speaker 2: No, in a bad way. I just feel like you'd
Speaker 2: be like nuts in the car because like you're always
Speaker 2: at different friends' houses, like going to different places. I
Speaker 2: feel like you're telling us to clean out our car,
Speaker 2: when if you did it, you'd be annoyed at yourself
Speaker 2: because now the handy stuff's not in your car totally.
Speaker 4: Every single thing I've ever needed is in my car
Speaker 4: at the moment, So.
Speaker 2: You see, I get anxious if there's stuff in my car, yeah,
Speaker 2: fair Like, Nah, the boot has to be empty.
Speaker 4: You would have a conniption if you my mood.
Speaker 2: And then I have nothing. When I'm out, I'm like, oh,
Speaker 2: I wish that was still in my car.
Speaker 4: Okay, so this probably seems negligible, But when I have
Speaker 4: like extra people in my car, I can see that
Speaker 4: the petrol kind of runs out a little bit quicker
Speaker 4: than it usually would. So if you have like junk
Speaker 4: in your car, or you just want to give it
Speaker 4: a good clean out, just keep it light, just keep
Speaker 4: it bright, just keep it.
Speaker 2: I love that while we're talking about what's in your car,
Speaker 2: maybe we should talk about the car as a whole,
Speaker 2: because you said it costs you more because there's more
Speaker 2: stuff in it. But like, I don't know if I'm
Speaker 2: throwing myself under a bus because I do drive a
Speaker 2: soccer mum car. But if you're not hauling around a
Speaker 2: soccer team every weekend, maybe you don't need the suv.
Speaker 2: Maybe it's time to like downgrade. Smaller cars usually mean
Speaker 2: better fuel economy. I've got a friend who bought the
Speaker 2: smallest car that they could find, thinking it'd just be
Speaker 2: for their husband's commute to and from work, but it
Speaker 2: turned out to be so fuel efficient and such a
Speaker 2: money saber that they've said a new rules. So whenever
Speaker 2: you're not driving the kids, that's the car you got
Speaker 2: to take, yes, And it's saving them so much money
Speaker 2: on their fuel and it's practically their first choice now,
Speaker 2: like so smart. I really like my car though, bex
Speaker 2: so like I can't bring myself to get rid.
Speaker 4: Of it, but I know, if you.
Speaker 2: Can, and you're a money saving queen, maybe.
Speaker 4: Do that and the cheap to buy as well. You
Speaker 4: tried to exactly exactly, but you can even consider going
Speaker 4: like electric if you had the money to do that.
Speaker 4: I mean, I feel like that.
Speaker 2: It's an expensive option.
Speaker 4: It's still really expensive option, but once you're there, I
Speaker 4: feel like things are cheap. But from that.
Speaker 2: Point, yeah, actually, do you know what? There's a video
Speaker 2: and I'm gonna find it and I'm gonna link it
Speaker 2: in the show notes, Queenie Tan did a video because
Speaker 2: she has a Tesla and obviously Tesla's like to me,
Speaker 2: a really bougie car, but she did the maths on
Speaker 2: how much the Tesla costs her and how much she's
Speaker 2: saving on fuel and how much her electricity costs her.
Speaker 2: I think it's an Instagram real video. I'll find it
Speaker 2: and I'll put it in the show notes. But that
Speaker 2: video taught me that you do save money, but you
Speaker 2: have to be kind of in it for the long haul.
Speaker 2: It's like pullding solar panels on your roof, Like it
Speaker 2: doesn't pay off in the first year, but over time
Speaker 2: it does. Maybe if you're not ready to go like
Speaker 2: full electric, you could think about like a plug in
Speaker 2: hybrid car could be the perfect middle ground. So you've
Speaker 2: got like the best of both worlds. You've got improved
Speaker 2: fuel economy and the flexibility of a petrol engine. Like
Speaker 2: how good?
Speaker 4: How good? I feel like we've covered so much today.
Speaker 4: So we've given you some solar tips, how to negotiate
Speaker 4: better deals on your insurance and loans, and the best
Speaker 4: way to use fuel map apps, and a few clover
Speaker 4: hacks to stretch your petrol budget even further.
Speaker 2: But I feel like the best tip coming out of
Speaker 2: this podcast today is like, don't us don't get yeah right,
Speaker 2: let's just put our big girl shoes on and be like, well,
Speaker 2: can you do a better deal for me? Yes? Like
Speaker 2: it's hard, but once you kind of like do it
Speaker 2: for the first time, every other time after that gets
Speaker 2: much easier. And I mean, in this cost of living crisis,
Speaker 2: it's all about doing what we can to keep money
Speaker 2: in our own pockets. I mean, I'm a fan of
Speaker 2: that twenty four to seven, but right now, I feel
Speaker 2: like people are feeling the pinch. So even if you
Speaker 2: only do a couple of these things to save yourself,
Speaker 2: like one hundred bucks or two hundred bucks a month, beck,
Speaker 2: that's like twelve hundred or two and a half grand
Speaker 2: a year. Yeah, Like that's a lot of money. That
Speaker 2: is so much money back in your pocket. And let's
Speaker 2: be honest, who doesn't want an extra couple of grand
Speaker 2: to work into their budget?
Speaker 4: Wouldn't hate it?
Speaker 2: I wouldn't hate it.
Speaker 4: I know in an ideal world these things would be
Speaker 4: accessible and cheap and affordable, But right now, exactly, we
Speaker 4: gotta do what we gotta do exactly.
Speaker 2: So we'll see you on Friday everyone. Now, I'm off
Speaker 2: to finally drop that opshop box that's actually been sitting
Speaker 2: in my car for a little while on my way home,
Speaker 2: So we'll see then.
Speaker 4: Bye, guys.
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