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Speaker 1: Radio.

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Speaker 2: She's on The Money Radio Show.

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Speaker 1: With Victoria Divine now Saturday morning, right across the country.

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Speaker 1: Welcome to the She's on the Money Radio Show with

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Speaker 1: Australia's number one finance podcast of Victoria Divine. It is

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Speaker 1: you and the other person is Mitch Cherry.

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Speaker 2: Oh that's me.

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Speaker 3: Who guys, Oh, we look so cute today.

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Speaker 2: I just want to get that confession out of you

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Speaker 2: on the line. Yes, yes, Victoria.

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Speaker 4: No, absolutely not tell everybody what's going to happen on

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Speaker 4: the show.

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Speaker 1: Yeah, Victoria is going to confess what she said in

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Speaker 1: the song just then.

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Speaker 4: I'm absolutely not going to do that because it makes

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Speaker 4: me look so silly.

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Speaker 1: Guys, you know what doesn't look silly? I'm unsure I've

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Speaker 1: lost you this morning. Mate.

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Speaker 2: You look beautiful.

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Speaker 3: Thank you?

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Speaker 2: Oh you do look good.

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Speaker 1: Something else that looks good today's show because before ten

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Speaker 1: o'clock we're going to do Super Save a Saturday, Victoria.

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Speaker 4: That is one of my favorite segments, arguably my favorite segment,

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Speaker 4: and it's a segment where I give you some sneaky

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Speaker 4: tips on how to keep the most amount of money

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Speaker 4: in your bank account.

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Speaker 1: Some won't say tight. I was going to say the

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Speaker 1: eight word, but probably can't.

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Speaker 2: Say yeah kind of in a way.

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Speaker 1: Yeah, they are Saturday.

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Speaker 2: I like that.

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Speaker 1: Yeah, I also like yourself. Thank you. What's coming up

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Speaker 1: in the next fifteen minutes? Money matters, Mitch.

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Speaker 2: Yes, So if you're struggling with your cash flow and

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Speaker 2: you've got yourself into a bit of a sticky situation,

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Speaker 2: you need some advice. That's what Victoria is here for.

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Speaker 2: You can hit us up on the shoes on the

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Speaker 2: money socials this week, though, it's very interesting conundrum. What

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Speaker 2: should you do if a friend hits you up for

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Speaker 2: a loan? Because it can be a very all good situation.

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Speaker 2: We've all been there.

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Speaker 3: This is so spicy. I have so many.

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Speaker 1: Opinions right now, it's time to do this. Yeah, we

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Speaker 1: thought we'd relive those days back when we were teenage

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Speaker 1: dirt banks, when we had absolutely no money, but we

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Speaker 1: still lived our best lives. So thirty one six five,

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Speaker 1: give us a call right now. How did you used

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Speaker 1: to stretch your money back when you were a teenager?

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Speaker 1: Now Packers has given us a call. How were you

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Speaker 1: a teenage dirt bag?

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Speaker 2: What did you do?

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Speaker 1: I remember going to get two dollar pots on a Tuesday.

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Speaker 5: Oh, that was a winner.

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Speaker 3: That just sounds like a good deal.

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Speaker 4: All right.

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Speaker 2: We did ask them to call call us with your.

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Speaker 1: I definitely respect that, Pa, because you seem like the

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Speaker 1: kind of guy that would still do that. Is there

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Speaker 1: any establishments around that have anywhere near a two dollar pot?

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Speaker 1: I think if you hunt the local bowler, you might

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Speaker 1: slip a couple of cheap pots down there.

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Speaker 2: But yeah, when I think Victoria Devine, I think hanging

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Speaker 2: out on the corner of a local bowler, That's what

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Speaker 2: I wow, Victoria.

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Speaker 1: All right, thanks packers, no worries.

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Speaker 5: Guys, that was your guy Abby.

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Speaker 1: On thirteen one o six y five. Tell us how

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Speaker 1: did you make your money go further when you were up?

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Speaker 5: Okay, So I was about like fifteen or sixteen, and

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Speaker 5: I used to buy pretty much whatever I wanted at

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Speaker 5: the shop.

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Speaker 1: But you're a rich Ridge, okay fifteen?

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Speaker 2: No?

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Speaker 5: No, you wait. I always kept the tags on that

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Speaker 5: I would go out and then I would wear it,

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Speaker 5: and then I would try my very best to return it.

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Speaker 1: Oh did it work?

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Speaker 5: Like it worked? But I lived in Shear. I had

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Speaker 5: like industrial strength deodorant. I couldn't get anything on it.

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Speaker 5: It was like, I don't even know if it was

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Speaker 5: worth it.

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Speaker 1: I can just imagine Abby, like you walk part, you

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Speaker 1: go to give her a hug.

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Speaker 3: You were like, get away from me.

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Speaker 2: Also, what if someone saw the tag, Abby, Like if

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Speaker 2: someone said to you hate You've still got the tag,

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Speaker 2: I'm just going to reap it off. Oh god, yeah,

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Speaker 2: you'd freak out.

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Speaker 5: Oh my god, I had. All my friends were in

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Speaker 5: on it too. They were like monitoring my tax situation

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Speaker 5: the whole time.

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Speaker 1: Did anything ever happen?

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Speaker 4: No?

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Speaker 5: I was so lucky. Although one time, like obviously when

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Speaker 5: you're sixteen, you go into these stores and they like

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Speaker 5: suck you out, they look you up and down.

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Speaker 4: They don't you know, as someone who used to work

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Speaker 4: in retail, we know they still do that to me now.

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Speaker 5: But the best part was so that, like the people

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Speaker 5: behind the counter were also usually sixteen, so they probably

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Speaker 5: couldn't care less.

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Speaker 4: You know, they really don't as long as you're not rude.

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Speaker 4: I think that they'll do anything, but may anxiety would

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Speaker 4: peak just because I'm the clutziest person in the entire world.

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Speaker 4: I could not buy a dress and not get something

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Speaker 4: on it.

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Speaker 1: Look at your sheet now, mate. I didn't want to

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Speaker 1: say anything.

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Speaker 3: It's not my fault. And I keep wearing white. I

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Speaker 3: do it to myself.

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Speaker 1: Bring it on yourself for sure. All right, thanks.

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Speaker 5: Abby, Thank you guys.

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Speaker 1: Now, brad on thirty one or sixty five, you're going

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Speaker 1: to get along with Victoria with yours mates. Hey go, guys,

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Speaker 1: this goes back to yeah, you're just in your teenage days,

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Speaker 1: but going back and buying the old four lad of

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Speaker 1: one cast I reckon you can pick them up best.

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Speaker 4: Friends exactly, Pretty Lexia, it makes you sexier.

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Speaker 5: Pretty Lexi. Mozelle was my guy with a couple of

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Speaker 5: lays of fatners.

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Speaker 2: A nice mixer.

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Speaker 1: Yeah.

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Speaker 5: Back in those days, the only air you needed was

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Speaker 5: to blow up the cask at the end of the

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Speaker 5: night for a piller.

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Speaker 4: I definitely didn't get the four Leaders, but I definitely

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Speaker 4: did put lemonade and ic in it.

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Speaker 1: Because class, Victoria, divine equals class. That's what I think of. Anyway,

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Speaker 1: it is time for this.

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Speaker 2: Yeah. Each week we're going to bring you someone's financial

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Speaker 2: story on ed to get Victoria's advice on what they

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Speaker 2: should do. And it's a real broad stretch here. We

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Speaker 2: had a four year old one week, twelve months old

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Speaker 2: the other asking for finance. My love Victoria you've got

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Speaker 2: such a wide audience, is key.

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Speaker 3: It's who I am as a purse.

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Speaker 2: Anyway, let's answer Holly's question. Holly sent this in too.

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Speaker 2: She's on the money social. She said, one of my

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Speaker 2: friends recently hit me up for a loan. He's going

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Speaker 2: through a bit of a tough time and has asked

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Speaker 2: me for one thousand bucks to help tide him over

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Speaker 2: for a while. His promised still pay it back within

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Speaker 2: the next few months. I really want to help him out,

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Speaker 2: but I'm cautious should I give him the loan? Do

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Speaker 2: I need to draw up a written agreement to protect myself?

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Speaker 2: What's the best way to go about this?

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Speaker 4: What do you think? Victoria actually so hard when friends

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Speaker 4: ask for money. And my approach to this is, obviously,

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Speaker 4: if you're not in the financial situation to be able

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Speaker 4: to afford that, the answer is like, sorry, I actually

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Speaker 4: can't help. But if you are and that's something you

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Speaker 4: want to do, I would actually really question whether that's

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Speaker 4: a good idea or not. So when someone asks you

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Speaker 4: for money, from my perspective, you're going to lose one

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Speaker 4: of two things.

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Speaker 3: You're either going to lose a friendship or the money.

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Speaker 1: Which one is sometimes even both.

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Speaker 3: Sometimes even both. So we need to be really clear

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Speaker 3: on if I lean Tra have one.

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Speaker 4: Thousand bucks, Like from my perspective, you kind of have

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Speaker 4: to feel a bit that you're not going to get

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Speaker 4: it back.

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Speaker 3: Obviously trying you can put a written agreement.

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Speaker 4: In place and do that, but I would really be

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Speaker 4: potentially trying to help your friend in a different way

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Speaker 4: and saying like, all right, Travs, sit down, I know

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Speaker 4: you need a thousand dollars, Like, maybe there's another way

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Speaker 4: we can get it. It shouldn't come from me as

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Speaker 4: a friend, like maybe looking into resources that could help them,

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Speaker 4: maybe having a look at the National Debt Helpline, which

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Speaker 4: I'm obsessed with because they are really good eggs doing well.

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Speaker 2: It's a debt help line. What's that.

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Speaker 3: It's essentially a National debt helpline that you can call.

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Speaker 3: It is free.

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Speaker 4: There are financial counselors on there. They can give you

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Speaker 4: access to things like NILS loans. So NILS loans is

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Speaker 4: a loan that has no interest attached to it, So

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Speaker 4: that could be a really good option instead of borrowing

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Speaker 4: cash from a friend. And often when people are borrowing

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Speaker 4: cash from friends, it's because they just feel like they're

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Speaker 4: rock in a hard place, right, They just don't know

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Speaker 4: what their options are. And no one wants to ask

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Speaker 4: their mate for a thousand bucks like that makes you

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Speaker 4: feel kind of bad. So you don't want to be

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Speaker 4: in a situation where that's happening. But if a friend goes,

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Speaker 4: all right, well mate, if you need money, great, let's

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Speaker 4: work it out. There are so many options out there

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Speaker 4: to support you. I would really steer away from lending

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Speaker 4: money to friends.

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Speaker 2: That's good advice. I got the kind of friend that

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Speaker 2: goes if you ever need anything, especially after like a

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Speaker 2: couple of you know, Voker Granbery's if you need anything,

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Speaker 2: if you're ever in a tight spot, I've got you.

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Speaker 2: And then when they actually come asking, I disappear like,

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Speaker 2: oh I can't. I mean, it's a bad.

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Speaker 4: Spot on but it's it's so nice to be that

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Speaker 4: friend that can support. But what is going on here

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Speaker 4: is actually if they're in a bit of a pickle

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Speaker 4: and you're helping them out, It's kind of like the

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Speaker 4: if you give a fish to somebody, they'll eat for

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Speaker 4: a day, but if you teach them to fish, they'll

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Speaker 4: fish for a lifetime or whatever.

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Speaker 2: They wow put that on a tea tabe.

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Speaker 4: There was a Bible quote, so we're not going to

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Speaker 4: go with that. I just know what, just went to

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Speaker 4: Catholic school for twelve But it's one of those things

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Speaker 4: where it's like, can I actually teach you a skill?

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Speaker 3: Can I give you a bit more financial literacy?

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Speaker 4: Like if you need one thousand dollars, here's a better

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Speaker 4: way to do it, or here's a loan scheme that

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Speaker 4: might put you in the best possible position. I'd obviously

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Speaker 4: try and steer away from things that are like buy now,

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Speaker 4: pay later, because that's going to put people in a

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Speaker 4: worse offt position. I'd also really steer away from recommending

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Speaker 4: they get a credit card, because that could absolutely spiral

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Speaker 4: out of control. But what is in your breadth of control?

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Speaker 4: Like the National Debt Helpline has a whole heap of resources.

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Speaker 4: I would absolutely go down that route. And I know

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Speaker 4: this has gone a little bit more serious, but we've

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Speaker 4: all been asked for money at some point somehow from someone,

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Speaker 4: and I think actually serving back with education and going

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Speaker 4: all right, well, how are we going to do this,

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Speaker 4: Like how am I going to put you in a

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Speaker 4: better position instead of just giving you the money so

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Speaker 4: you can continue bad habits.

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Speaker 1: Well, that's a lot better advice than what I had,

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Speaker 1: because I was just going to say, because that fits

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Speaker 1: perfectly with what we're going to do next. Here it

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Speaker 1: sees on the Money radio show. Well done, Trav. You're

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Speaker 1: really good at this radio thing. If you have ever

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Speaker 1: looked through Facebook Marketplace, Mitchell talking to you and you're thinking, Hey,

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Speaker 1: this person asking way too much for this.

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Speaker 2: Oh, that happens to me weekly. I go off at

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Speaker 2: them in the messages and they never apply it.

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Speaker 4: I've seen your item that I would like to purchase

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Speaker 4: online for a little while, I'll undercut you. I'll be like,

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Speaker 4: oh are you to Oh godcha, you would only worth

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Speaker 4: what someone's willing to pay traps.

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Speaker 1: Yeah, I think somebody very wise told you that just

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Speaker 1: before I.

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Speaker 3: Was during the break this is she's on the.

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Speaker 1: Money radio show.

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Speaker 4: Honestly, Mitch, you are very good at Facebook Marketplace.

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Speaker 2: Thank you.

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Speaker 4: But I want to know what have you seen recently

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Speaker 4: on Facebook Marketplace that makes you want to pick up

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Speaker 4: the phone and go your dreaming.

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Speaker 2: Well, let me just say I'll start by saying I

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Speaker 2: am a happy messenger. If someone is putting something on

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Speaker 2: Facebook Marketplace and they're hiking up the price. I'll message

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Speaker 2: them and I'll go, hey, mate, your dreaming, that's ridiculous price.

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Speaker 2: Then I'll block them and disappear.

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Speaker 4: So can you planning on purchasing the item or are

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Speaker 4: you just feedback? Now?

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Speaker 2: The other other day for a wooden giraffe was after

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Speaker 2: a thousand bucks? Mate, you are dreaming. She didn't want

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Speaker 2: to buy it.

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Speaker 1: What would you pay for a wooden giraffe? Just quietly,

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Speaker 1: if you're not dreaming, wouldn't.

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Speaker 3: You pay for a wooden That's right.

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Speaker 2: Right, right, that's just it's a state of mind. But

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Speaker 2: we have a whole bunch of that iphune. I found

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Speaker 2: this one, right, This is a white iPhone Success sixty

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Speaker 2: four gigabyte unlocked. Right, this is three hundred.

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Speaker 4: Bucks saying I'm not going to say I agree or

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Speaker 4: disagree with that, because I don't know what a white

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Speaker 4: iPhone six is actually worth.

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Speaker 2: That is like a ten year old phone.

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Speaker 3: Oh so that's not good? No, okay, bad deal? So

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Speaker 3: maybe just tell them their dream.

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Speaker 5: Dream?

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Speaker 3: What have you got, trav? I believe you found something

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Speaker 3: pretty gross?

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Speaker 1: Okay, So toothbrush. First of all, there's a whole lot

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Speaker 1: of questions to one pack. There but used only once,

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Speaker 1: apparently five bucks stealing the original packaging. Mind you, price

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Speaker 1: is firm five bucks, not going to move. No weirdos

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Speaker 1: weirdos than you do.

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Speaker 3: You know what confuses me?

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Speaker 4: It says used once, but it's quite clearly still in

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Speaker 4: the packet.

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Speaker 3: Mate, Is that what you're selling it? Because you don't

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Speaker 3: know how to use a toothbrush?

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Speaker 5: Dreamer.

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Speaker 3: I'd also like to know what Trav's looking up me.

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Speaker 2: Why? Yeah, the algorithm knows that that man wants a toothbrush.

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Speaker 1: Oh my gosh, what have you found? Victoria?

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Speaker 2: Quick?

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Speaker 1: Move on?

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Speaker 4: Well, actually, I was going to bring up a topic

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Speaker 4: that I think will trigger a few people, and that's

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Speaker 4: the topic of limited edition things that you got for

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Speaker 4: free at KOLs A Wooly.

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Speaker 1: Yeah.

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Speaker 4: Yeah, but you know when you got like those mini

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Speaker 4: groceries or the ushy things. So I looked up on

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Speaker 4: ushi I am going to sell this year, all right,

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Speaker 4: Sit down, TRAbs, Sit down, Mitch. We've got an ultra

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Speaker 4: rare glitter woody ushy. Yeah, limited edition, brand new mint

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Speaker 4: condition doesn't come with his packaging, but he is fifteen

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Speaker 4: hundred dollars.

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Speaker 3: No what you got that for free? So sit down, Dreamer.

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Speaker 4: I also found another one, guys, which I just think

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Speaker 4: is a bit rich or maybe a little bit niche. Right,

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Speaker 4: So this is a Finding Nemo stuffed toy.

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Speaker 3: It is a really big one.

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Speaker 4: It's one meter long sixty five centimeters high according to

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Speaker 4: your original seller.

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Speaker 3: It's also very cuddly.

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Speaker 4: But it looks like that one you got at the

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Speaker 4: Melbourne show for free? Why are you selling it to

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Speaker 4: me for one hundred and fifty dollars dreamer?

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Speaker 1: They one hundred percent got that at moonber in Melbourne

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Speaker 1: because it says they're in Melbourne.

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Speaker 4: Yeah, exactly, that was free. Why are you trying to

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Speaker 4: profit off a children's toy?

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Speaker 1: I mean, hey, you probably spent way over one hundred

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Speaker 1: and fifty bucks trying to win it, but still telling

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Speaker 1: me dreaming man right in the bin. That's way more

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Speaker 1: fun when we do it.

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Speaker 2: Super save a Saturday.

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Speaker 4: All right? This week I am bringing you a bang

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Speaker 4: up from the Sheese on the Money podcast because I

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Speaker 4: always ask people like, what's your tips and tricks? I

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Speaker 4: want to know, and people write into us each and

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Speaker 4: every single week what their money wins of the week are.

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Speaker 4: Like on Mondays, we post a thread in our Facebook

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Speaker 4: group and it goes off like hundreds, if not thousand,

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Speaker 4: of comments of people being like I saved money like this,

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Speaker 4: or I did this, or I did that, or some

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Speaker 4: people are even like, oh my god, money lost this week.

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Speaker 2: I've seen that on the Facebook grip.

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Speaker 4: Yeah, I spent seventeen thousand dollars on oubreachs.

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Speaker 1: So but the good thing with that is you're saving

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Speaker 1: time because you're working smart and not hard at getting

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Speaker 1: other people.

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Speaker 4: I am actually a content genius. But the thing there

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Speaker 4: is it's not just for the content guys. It means

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Speaker 4: I don't even have to look up money saving hacks

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Speaker 4: so that I can save money. And this week someone

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Speaker 4: told me that they booked a holiday by buying gift

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Speaker 4: cards but using shop back, which is a platform that

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Speaker 4: you can use to get cash back on your purchases.

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Speaker 4: But they bought their gift cards through shop back, got

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Speaker 4: five percent cash back, and then booked their own holiday

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Speaker 4: with a five percent discount on the travel gift cards

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Speaker 4: they'd bought.

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Speaker 3: Yeah, what a genius.

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Speaker 1: Yeah, some people are just way too smart with this stuff.

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Speaker 4: But these cash back apps like shop back are genius.

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Speaker 4: It's money back on purchases you were going to make anyway,

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Speaker 4: and you guys know, I do have a good relationship

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Speaker 4: with them, but this is definitely not sponsored. I'm just

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Speaker 4: a fan. But they now have a Chrome extension so

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Speaker 4: you don't even have to go check the app, but

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Speaker 4: just tells you that you're going to get.

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Speaker 2: A person that is sensational.

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Speaker 4: I thought that would be music to your ears. You

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Speaker 4: are welcome, Mitch Jerry. But it's genuinely something that I

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Speaker 4: was like, Oh, I just got back from a holiday, right,

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Speaker 4: would you like to talk about it?

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Speaker 2: So I don't have time, sadly don't know.

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Speaker 4: Sorry, sorry, moving on, moving on. But I wish i'd

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Speaker 4: known that because I also booked my holiday through flight Center.

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Speaker 3: They got a five percent discount.

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Speaker 4: Flight Center weren't giving me that?

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Speaker 3: Were they? No genius?

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Speaker 2: Okay, more tips? I'm hungry for more, all right.

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Speaker 4: The next tip also stolen from the Facebook group. But

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Speaker 4: we're all about recycling content. It's working smarter, not harder.

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Speaker 4: It's usual clothesline. Are you ready for this?

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Speaker 1: Yeah?

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Speaker 4: One of out She's on the money. Community members had

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Speaker 4: calculated how much her tumble dryer was costing her and

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Speaker 4: it was a couple of one hundred bucks a year.

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Speaker 4: And now She's using her clothesline and saving a whole

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Speaker 4: heap of money, which is something I'm not willing to do.

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Speaker 4: I love my tumble dryer and I will continue to

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Speaker 4: use it because have you not ever gotten out of

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Speaker 4: the shower to a hot, fluffy towel That's worth a

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Speaker 4: lot of money to me?

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Speaker 2: The best?

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Speaker 1: Or throw your jumper in the tumble dryer, not even

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Speaker 1: because it needs drying in winter and then throwing it

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Speaker 1: on at night.

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Speaker 3: It is the also my way of ironing.

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Speaker 4: So if you ever see me in a shirt and

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Speaker 4: you're like, wow, Victoria is so put together, that shirt

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00:15:26,400 --> 00:15:30,160
Speaker 4: is looking crisp, Yeah, that's not irony right the way

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Speaker 4: it is ironing. I pulled it out of the tumble dryer,

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Speaker 4: I gave it a little flick, and I'm ready to go.

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Speaker 4: If the collar wasn't crisp enough, touched it.

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Speaker 3: Up with my hair straight.

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Speaker 2: Now I want another tip?

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Speaker 3: You want another tip? You didn't like that?

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Speaker 4: No?

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Speaker 2: I want more, hungry for tips?

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Speaker 4: Okay, cool? So the next tip I have again not sponsored.

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Speaker 1: Just good.

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Speaker 3: It's the McDonald's app.

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Speaker 5: So good.

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Speaker 4: Like, were you guys here for legit tips where you

404
00:15:54,960 --> 00:15:56,040
Speaker 4: could like save and invest?

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Speaker 3: Because this week, am it?

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Speaker 4: It works by just downloading the app and each and

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00:15:59,320 --> 00:16:01,120
Speaker 4: every single week they have like a little deal on

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00:16:01,200 --> 00:16:05,480
Speaker 4: there last week cheeseburger meal and a Sunday four dollars.

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Speaker 2: Wow, good pride.

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Speaker 3: That's a good price, right, so you like book it

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Speaker 3: through the app. You can go through drive through.

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Speaker 4: They've now started asking like, oh, do you have a code?

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00:16:13,280 --> 00:16:14,880
Speaker 4: And you're like, what are you talking about? They're talking

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Speaker 4: about the macas app. Give them your four digit code.

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00:16:17,440 --> 00:16:19,520
Speaker 4: Up comes your order. You don't even have to talk

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00:16:19,560 --> 00:16:21,680
Speaker 4: to the person for that long. Pay my four dollars,

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00:16:21,840 --> 00:16:23,680
Speaker 4: drive away happy. Wow?

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Speaker 2: Wait can you get a steamed bart on the mac

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00:16:25,400 --> 00:16:26,960
Speaker 2: is app? Because they all I care about steam.

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Speaker 3: I did ask for that that.

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Speaker 2: I'm right now. All right, we got to end the show.

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Speaker 1: We do because Mitch Chury, You've got to get out

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00:16:33,080 --> 00:16:35,640
Speaker 1: of here to go and do your favorite show with

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Speaker 1: your favorite people every week.

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Speaker 2: Listen, Tom and Veronica, you are killed my closest friends,

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Speaker 2: and I adore both of you, and I just want

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00:16:46,480 --> 00:16:47,960
Speaker 2: you to know that I will right, thank you.

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Speaker 1: We'll be back next week for everything. Make sure you

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Speaker 1: check our socials. Just search She's on the money. The

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00:16:54,080 --> 00:16:57,320
Speaker 1: Lifeline cart Radio show with Laura what's her name again?

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00:16:57,480 --> 00:16:58,440
Speaker 1: And Brits who.

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Speaker 2: Sorry, think it was anchor Ye Britt Hockley and Laura

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Speaker 2: bur and that On My Arm

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00:17:05,160 --> 00:17:09,119
Speaker 1: That is coming up next with their buddy See you

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Speaker 1: next week