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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: 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 4: Hello, and welcome to the podcast Millennials who want Financial Freedom.

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Speaker 4: My name is Jessica Ricki and today I'm here as

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Speaker 4: always with Queen Victoria Divine.

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Speaker 5: Hello, jous, I'm actually really disappointed in you today. Why

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Speaker 5: because you could have started that as Hello and welcome

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Speaker 5: to She's on the Money the podcast.

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Speaker 4: But happy Christmat Do you know what I've missed? And

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Speaker 4: we made this pun last year. I'm going to start again.

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Speaker 4: Everybody pretend this is the start. Hello and welcome to

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Speaker 4: Trees on the Money Y the Podcast Millennials who want

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Speaker 4: financial freedom.

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Speaker 2: You.

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Speaker 1: I can't believe. I'm miss I'm really disappointed in you.

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Speaker 1: We have it on a ball ball and everything.

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Speaker 5: After this episode is recorded, you need to go and

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Speaker 5: think about what you've done.

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Speaker 1: I'll go Seeck in the corner. But do you want

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Speaker 1: to talk about Christmas?

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Speaker 5: I always want to talk about Christmas, and everybody is surprised.

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Speaker 1: Not at all.

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Speaker 4: Last year we did four episodes. This year we've rained

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Speaker 4: it in and this is the second of two.

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Speaker 1: But I'm really disappointed.

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Speaker 5: But we did have to negotiate them down because there

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Speaker 5: were so many other topics I really wanted to cover

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Speaker 5: one hundred percent.

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Speaker 4: We love Christmas and we love the community. It gets

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Speaker 4: us so excited to hear everybody's money, wins and tips.

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Speaker 4: So we thought, why not combine all of those things

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Speaker 4: together into this one fun, amazing episode.

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Speaker 1: How are we incorporating investing, Jess? We're not okay? All

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Speaker 1: the things you love? Yeah, all the things I love.

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Speaker 5: So honestly, no one thought about me today. It's fine,

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Speaker 5: all right, Jess. Today we are obviously celebrating our top ten.

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Speaker 5: She's on the money community Christmas savings hacks. Because recently

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Speaker 5: we asked you guys for your tips and tricks, and

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Speaker 5: you obviously delivered. So today, Jess, you and I are

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Speaker 5: going to be picking our top five each and we're

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Speaker 5: gonna be sharing them on the show. Now, what you

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Speaker 5: guys didn't know is that we've mixed them up because

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Speaker 5: Jess and I could not pick which ones were our

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Speaker 5: top five, so we put them together and we have

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Speaker 5: a list of ten. And it's gonna be like picking

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Speaker 5: team members in primary school for your sporting team, and

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Speaker 5: it'll be like you.

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Speaker 1: Get to go.

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Speaker 5: So Jess will pick the first time, I'll go, and

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Speaker 5: I'll pick the next, and then the last two will

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Speaker 5: be our least favorites. But because they are the top ten,

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Speaker 5: our producers laughing, but I'm not laughing. But because they're

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Speaker 5: the top ten, we obviously love all of them. Just

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Speaker 5: bringing some like primary school sports energy to this.

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Speaker 1: Oh spicy, Now, don't forget.

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Speaker 4: Last week we also spoke about how to navigate the

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Speaker 4: financial and social anxieties at this time of year. So

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Speaker 4: if you miss that episode, if you're feeling a little

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Speaker 4: bit stressy, please go back and listen to it. We

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Speaker 4: want you to look after yourselves and feel good about

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Speaker 4: this time of year and this episode just meant to

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Speaker 4: be a little bit lighthearted and fun.

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Speaker 5: Absolutely, it is so important to keep that in mind

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Speaker 5: because it is honestly such a tough time of the

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Speaker 5: year for so many people, and the pressure that the

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Speaker 5: festive season puts on us, I just feel like can

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Speaker 5: be really unfair, So Jess. According to a study from

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Speaker 5: MiQ Australia, did you know that thirty four percent of

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Speaker 5: Australians are expecting to spend more this holiday season compared

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Speaker 5: to last year despite rising inflation rates, interest rates and

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Speaker 5: the cost of living expenses.

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Speaker 4: Thirty four percent is a mind boggling amount, especially when

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Speaker 4: you factor that in on top of everything else, like

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Speaker 4: you just said, that's going on. So hopefully some of

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Speaker 4: these little hacks and tricks, it might be a bit

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Speaker 4: close to Christmas now, but file them away and save

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Speaker 4: them for next year, because I think that these are

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Speaker 4: the kinds of things that honestly are really smart and

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Speaker 4: can make a huge difference if you take the time

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Speaker 4: to plan starting now, Are you feeling like you're spending

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Speaker 4: a lot more of this festive season?

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Speaker 5: Yeah?

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Speaker 1: I think so.

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Speaker 4: I think especially alongside like just the cost of like

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Speaker 4: food for dinner, like we do a friends mess and

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Speaker 4: the cost of just a dinner, Like, we have the

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Speaker 4: same amount of people this year, but the cost of

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Speaker 4: feeding everyone has gone up because the price of all

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Speaker 4: of the basic stuff has got up. I feel like

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Speaker 4: my allocation within my budget hasn't really shifted too significantly,

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Speaker 4: but the money is just not going as far, which

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Speaker 4: is hard.

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Speaker 5: We should do an episode next year at some point

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Speaker 5: about how to reallocate your budget and like where you

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Speaker 5: probably should fluff it out a bit, keeping in mind

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Speaker 5: the fact that the cost of living is increasing. I

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Speaker 5: feel like talking about like, hey, like on average, people

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Speaker 5: are spending x amount more on their groceries, So this

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Speaker 5: is good to be mindful of, and I'll do some

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Speaker 5: research and bring that to the table because I feel

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Speaker 5: like at the moment we're all feeling the pinch, but

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Speaker 5: some of us just can't articulate where or when we

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Speaker 5: just feel like we have less money. And back to

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Speaker 5: the question I asked you, Jess, I feel like I've

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Speaker 5: been spending more because one, I'm going out with more

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Speaker 5: people at this time of the year and trying to

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Speaker 5: catch up with everybody. But two, we have bigger Christmas

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Speaker 5: things planned this year for like my family and for

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Speaker 5: Steve's family, Like, there's just a lot more going on.

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Speaker 5: So I feel like, Jess, we are not the only

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Speaker 5: ones feeling the pinch this year in one way or another.

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Speaker 1: So how about we get into it. Sounds good. What

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Speaker 1: is your first little hack that you've got from the community.

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Speaker 5: Okay, this one is very self involved because I obviously

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Speaker 5: love shop Back and think it's a really really good

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Speaker 5: money win.

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Speaker 1: But our friend Chloe.

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Speaker 5: Antonil both say use shop back to save money on

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Speaker 5: gifts and buy gift cards for you to spend over

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Speaker 5: the festive period, and I just feel like that one

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Speaker 5: straight off the bat at this point in the year,

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Speaker 5: if you are not on shop back yet, like I

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Speaker 5: feel like a bully. I'm not a bully, hah, but

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Speaker 5: like it's just a no brainer because it's free money.

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Speaker 5: It's not even like sign up and they'll sell your data. No, no,

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Speaker 5: no sign up and they'll give you free money money win.

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Speaker 4: That is absolutely our money in My first little hack

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Speaker 4: comes from so many people, and I really like it

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Speaker 4: because this is exactly what I do. Amy Shaza and

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Speaker 4: a bunch of other people all said get your list

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Speaker 4: ready in time for Black Friday and Cyber Monday sales,

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Speaker 4: So start thinking about people early because then you can

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Speaker 4: cash in on those sales and get the things that

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Speaker 4: you're already going to get, but usually with a really

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Speaker 4: nice discount, and then you can often stack it with

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Speaker 4: shot back or cash back on top of that.

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Speaker 1: So I've got another one. Are you ready?

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Speaker 5: And I feel like this one really resonates with me

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Speaker 5: because I've been known to do this. So our friend

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Speaker 5: Dee suggested baked or homemade or second hand gifts, which

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Speaker 5: we have done for a number of years.

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Speaker 1: In our family.

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Speaker 5: It's handmade, homemade or second hand is the rule, and

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Speaker 5: then we give each other like a limit of how

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Speaker 5: much we need to spend. And I think I've hyped

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Speaker 5: on about this if you listen to our Christmas episodes

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Speaker 5: last year.

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Speaker 1: I believe it was Jess.

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Speaker 5: I told you all about the kitchen that I got

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Speaker 5: on gum Tree.

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Speaker 1: That was an absolute circus.

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Speaker 5: It was a kid's kitchen, but because it was secondhand,

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Speaker 5: it was actually really well looked after. I think we

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Speaker 5: picked it up for like twenty dollars or something on

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Speaker 5: gum Tree, but the bonus was when we went to

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Speaker 5: pick it up, the guy was like, oh my gosh, like,

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Speaker 5: my daughter's so sad about losing this. And she was

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Speaker 5: there and I was like, oh, my gosh, don't worry.

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Speaker 5: It's going to like, you know, my niece and my nephew.

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Speaker 5: And I showed her a photo and she gave us

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Speaker 5: all of the like little kids pots and pans and

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Speaker 5: plates and cups and fake fruit and vegetables and stuff,

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Speaker 5: and she's like, oh, they'll need this and they'll need that,

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Speaker 5: and like the dad was really happy because I think

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Speaker 5: he was just getting rid of a whole heap of

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Speaker 5: junk from the playroom. I mean, long story short, it

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Speaker 5: did cost us a lot in fuel because we brought

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Speaker 5: the wrong car. It didn't fit in that car. I

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Speaker 5: had to drive home, swap cars come back while Steve,

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Speaker 5: dressed in an ugly Christmas sweater, sat on the side

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Speaker 5: of Smith Street late at night in Fitzroy, which is

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Speaker 5: a one out of ten experience. So I think people

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Speaker 5: thought he was crazy because not only did he have

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Speaker 5: an ugly Christmas sweater on, but he also was just

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Speaker 5: sitting with a kid's kitchen and people were kind of like,

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Speaker 5: I don't think that guy was weird, Yeah what? And

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Speaker 5: Steve was just like I was mortified because every second

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Speaker 5: person walking past was like, dude, why are you calling

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Speaker 5: DIBs on this kid's kitchen on the side of the world,

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Speaker 5: Like this makes no sense, but anyway, I just feel

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Speaker 5: like homemade, handmade or secondhand is actually a really good idea.

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Speaker 5: I also have and we probably should post it on

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Speaker 5: our stories. I killer recipe that impresses everybody for passion

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Speaker 5: fruit yoyos that have never done me a disservice, Like

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Speaker 5: every time I make it and gifted to someone, They're like,

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Speaker 5: those are the best yos ever And I'm like, thanks

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Speaker 5: taste dot com dot au for the recipe by oh amazing. Yeah,

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Speaker 5: I feel like upcycled gifts are really underrated, like buying

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Speaker 5: something really affordably and then making it personalized and then

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Speaker 5: you can tell whoever you're giving it to. I made

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Speaker 5: this like I did it with my hands and my love.

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Speaker 5: How nice is that? And to be honest, Jess, going

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Speaker 5: back to my kitchen, I bought it, I cleaned it,

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Speaker 5: I gave it to the kids.

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Speaker 1: You would have bought it. You would have like.

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Speaker 5: Pulled the thing apart, redesigned the thing, painted it in

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Speaker 5: their colors, named it, done absolutely everything to make it

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Speaker 5: a completely different kitchen and then gifted it to them.

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Speaker 5: I don't have your creativity, but like that could be

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Speaker 5: an idea.

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Speaker 1: Yeah, give it a little huge.

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Speaker 4: I have a hack here from Nicole who some people

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Speaker 4: might disagree with this, but I really love a practical gift.

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Speaker 4: And she said she has asked her parents to pay

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Speaker 4: for the plumber that she desperately needs as her Christmas gift.

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Speaker 1: I feel like that's a great.

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Speaker 5: That's a great gift because at the moment, trades are

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Speaker 5: so expensive. As somebody who is currently at the tail

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Speaker 5: end of renovating their house. Oooh, Like she spent os

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Speaker 5: Like nobody goes you know what, I wanted to spend

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Speaker 5: money on drainage, Like not a single person.

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Speaker 1: I really like my toilet. I'm blocked for Christmas.

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Speaker 4: I feel like if you have something practical that you need,

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Speaker 4: whether you need textbooks for school or runners because you're broke,

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Speaker 4: or like something that you go, oh, I'm not excited

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Speaker 4: to buy that.

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Speaker 1: That's a good gift. Yeah no, I love that and

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Speaker 1: vice versa.

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Speaker 5: Right, Like, maybe you could start asking your friends and

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Speaker 5: family if you're like, oh, what do you want instead

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Speaker 5: of saying, oh, Jess, what do you want for Christmas

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Speaker 5: because I'm not gonna outwardly say immediately plumber, like I

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Speaker 5: wouldn't think of that, be like, oh, yes, like you're

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Speaker 5: renovating at the moment. Do you want me to pay

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Speaker 5: for you know something towards that. Yeah, friends would jump

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Speaker 5: up and down over that, Like if you offered you

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Speaker 5: can pay for my plumbing, this you just probably not.

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Speaker 5: But okay, sorry, well I already paid for it.

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Speaker 1: You do give you a rand? I feel like it's

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Speaker 1: a very big bill. All right, Jess, I have another

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Speaker 1: one for you. Are you ready? Yes? What have you got? Okay?

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Speaker 5: So this is another one, and I'm being very self

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Speaker 5: indulgent because I'm just picking the ones that I resonate

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Speaker 5: most with. It kind of happens when you're picking sports teams.

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Speaker 5: You definitely should keep doing this with money wins. But

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Speaker 5: I feel like, you know, growing up, I hated that, like,

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Speaker 5: oh you pick, I pick, you pick, because I was

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Speaker 5: literally always the last kid. Because that was a little

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Speaker 5: nightmare in Peh. I wouldn't pick me either, but like,

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Speaker 5: don't make me feel that bad, you know, a little victoria,

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Speaker 5: So like, do it with your money wins, don't do

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Speaker 5: it with your children one out of ten idea, But

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Speaker 5: this one I'm being self indulgent because it is literally

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Speaker 5: something my family do, and that secret center for the

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Speaker 5: whole family with a fifty dollar budget. So in my family,

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Speaker 5: because it's a little bit bigger and a little bit

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Speaker 5: more extended, all of the adults get together and we

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Speaker 5: do a secret Santa. So it's kind of we call

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Speaker 5: it Chris Kringle, but I think it's exactly the same thing,

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Speaker 5: right where we pull names out of a hat. Literally,

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Speaker 5: that's how technical it gets. All of our names go

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Speaker 5: on a piece of paper, get ripped up, pulled out,

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Speaker 5: and that's who we're buying a Christmas present for that year.

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Speaker 5: So on Christmas Day, everyone gets a present, but they

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Speaker 5: get one present. And the amount of money that is

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Speaker 5: spent on that, I mean, it could be fifty bucks,

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Speaker 5: it could be one hundred dollars. But I think the

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Speaker 5: most important thing is that that amount is a reasonable

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Speaker 5: amount for you and your family to purchase. So if

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Speaker 5: your budgets are at twenty dollars, just call it twenty dollars.

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Speaker 5: I don't think it should extend past that. If one

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Speaker 5: member in your family can't afford that, I think we

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Speaker 5: should set the baseline at a baseline, not go, oh,

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Speaker 5: well it's one hundred dollars and you know your aunt

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Speaker 5: or your uncle or your cousin just can't afford that.

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Speaker 5: I think that we should set it lower or set

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Speaker 5: a different rule and just be mindful without saying like, oh, yes,

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Speaker 5: I've said up lower because of you. It should just

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Speaker 5: be use your brain and work it out, because I

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Speaker 5: just think that, you know, this time of year isn't

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Speaker 5: the time of year that we point out when people

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Speaker 5: are struggling or that maybe they can't afford it. But

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Speaker 5: I think just you know, picking something that's a little

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Speaker 5: bit more mindful is really helpful. One, the pressure is

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Speaker 5: off because you only have to think of one present,

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Speaker 5: but two, it's far less financially stressful.

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Speaker 4: Yeah, And if you don't want to do where you

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Speaker 4: buy for specific people, if you've got a big family

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Speaker 4: and you don't see your aunts, your uncles and your

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Speaker 4: cousins all that often Bad Santa or naughty Santa is

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Speaker 4: a really fun one as well, where you just buy

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Speaker 4: a general gift and usually people try to make it

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Speaker 4: a bit funny or a bit fun and then you

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Speaker 4: steal gifts from everybody and that's a really good way

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Speaker 4: to involve everyone, and you can set the same limit

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Speaker 4: as well.

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Speaker 5: Pro tip as someone who has also done this, the

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Speaker 5: nerf gun always performs the best, Oh brilliant because we

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Speaker 5: all want to shoot everybody after so it's just like

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Speaker 5: a lot of fun. So everybody wants the nerf gun

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Speaker 5: because everything else is like, I don't want a candle. Also,

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Speaker 5: one year I put together a pack and it was

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Speaker 5: a tiny bottle of gin, a bottle of tonic water,

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Speaker 5: and then like an orange lemon and a lime. And

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Speaker 5: that was actually a really good Chris Kringle present because

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Speaker 5: one it felt a little bit customer who doesn't want

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Speaker 5: a gin and tonic? I mean people who don't like

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Speaker 5: gin and tonics, like you probably don't want to tonic.

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Speaker 5: But I feel like that was a good Chris Kringle

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Speaker 5: present because who doesn't love that?

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Speaker 1: Yeah?

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Speaker 4: Oh, like little silly kmart appliances like waffle makers or

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Speaker 4: fairy foss machines what means well, honey, the next hack

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Speaker 4: I have comes from Madeleine. If you don't mind living

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Speaker 4: on the edge, you can visit Cole's or your local

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Speaker 4: deli on Christmas Eve kind of close to closing time,

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Speaker 4: because more often than not they're heavily discounting all of

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Speaker 4: the product because they're closed the next day. I guess

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Speaker 4: the downside of this is if you're going.

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Speaker 1: To coluse, imagine like.

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Speaker 4: Four pm on Christmas Eve, you may or may not

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Speaker 4: well firstly get trampled and also quite possibly not have

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Speaker 4: the widest.

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Speaker 1: Selection to choose from.

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Speaker 4: But if you're one of those people who's really creative

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Speaker 4: with how you cook, or if you're not that fussed

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Speaker 4: on what you get, it might be a nice way

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Speaker 4: to snag smot deals.

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Speaker 5: Yeah, that's definitely living on the edge for me, Jess, Like,

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Speaker 5: I'm not gonna wait till almost closing time for my

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Speaker 5: food to be discounted, maybe because what if it's not,

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Speaker 5: then I might not have any food because they really

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Speaker 5: needed a roast xyzed and they don't have it because

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Speaker 5: they just discounted it and someone else got it.

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Speaker 1: That's true. The anxiety's wild, that's true.

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Speaker 4: I mean shop at your local stores as well. More

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Speaker 4: often than not, your local butcher or your local fruit

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Speaker 4: market will have stuff at a better cost per unit

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Speaker 4: price than like coals or woolies words. So that's the

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Speaker 4: way you could go as well.

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Speaker 5: Speaking of coals or Woolies, my next hot tip is

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Speaker 5: from our friend Mace, and Mace has said, you need

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Speaker 5: to make sure that you set your Woolies Everyday rewards

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Speaker 5: card to save for Christmas. I didn't even know this

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Speaker 5: was a setting, but it's a setting on your rewards

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Speaker 5: card that you select and all of your gift cards

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Speaker 5: and discounts get added up and you can redeem them

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Speaker 5: at Christmas time so that your grocery bill isn't as hectic.

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Speaker 1: That's really really smart.

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Speaker 4: I like that one a lot, particularly because then you

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Speaker 4: don't really notice, like it's not like you're missing out

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Speaker 4: on money, You're not putting money.

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Speaker 1: Aside, but exactly those rewards stuck up.

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Speaker 4: If like ten bucks a year ten bucks, you could

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Speaker 4: have a couple hundred dollars by the end of the year.

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Speaker 5: I feel like I've heard of people do it this

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Speaker 5: before in our community, like and when I say, I

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Speaker 5: feel like, I know I have, But I just assumed

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Speaker 5: that everybody was kind of like saving their discounts for Christmas,

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Speaker 5: not that it was an actual setting, which is genuinely genius.

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Speaker 1: Very very smart.

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Speaker 4: And I've got a similar one here from Chelsea who says,

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Speaker 4: do the same thing, but with flybys. Basically she just

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Speaker 4: saves all of her dollars and redeems them at Christmas.

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Speaker 1: What a genius.

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Speaker 5: So I feel like I'm not nearly that smart, But

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Speaker 5: you know what I'm going to do this year, because

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Speaker 5: I think I have a fair few dollar rus in

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Speaker 5: my shopback account, I'm going to pull that out and

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Speaker 5: see who's Christmas presence I can pay for from shop

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Speaker 5: back and share the update later once I've done it.

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Speaker 1: Really smart, I can't wait.

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Speaker 5: Hit up all right, Holly. She has a really good suggestion, Jess,

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Speaker 5: are you ready for this? I think that some people

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Speaker 5: are going to be salty on this. Last week I

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Speaker 5: said cancel Christmas, but Holly said, just don't buy presents. Ah,

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Speaker 5: your face Jess is very unhappy.

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Speaker 4: HOLLI no, no, no, no, you know what, like for some people,

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Speaker 4: not doing presents works for them and aligns to their values.

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Speaker 4: But as we said last week, gif giving is my

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Speaker 4: love language and I just couldn't. However, if that's a try,

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Speaker 4: always the works for you, I am in full support

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Speaker 4: of it.

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Speaker 5: I kind of love this because Jess's face was just

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Speaker 5: like no, and then she was like but if it

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Speaker 5: aligns to your goals and values. Like I think this

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Speaker 5: is very important and I'm like, all right, Jose, it

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Speaker 5: learns to my goals and values to not buy Christmas presents.

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Speaker 1: Are you okay with that?

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Speaker 5: Yeah?

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Speaker 4: Of course, like you are not your little face to

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Speaker 4: you to get me a present.

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Speaker 1: Sad you were present. I don't want your present.

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Speaker 4: Well, too bad, I already bought it. Moving right along,

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Speaker 4: Lucky last came from Emily, Elissa and about one thousand

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Speaker 4: other people who all said, try to buy gifts throughout

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Speaker 4: the year when they are on sale. And this is

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Speaker 4: something that I got from my mum, and I feel

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Speaker 4: like a lot of other people's mums would be the same.

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Speaker 4: We always had like a gift cupboard where, especially when

401
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Speaker 4: I was a kid, you know, you get invites to

402
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Speaker 4: parties really last minute and stuff like that. So there

403
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Speaker 4: was always a gift cupboard where if she saw barbies

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Speaker 4: on zale or something you know that was age appropriate.

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Speaker 1: Did you loot the cupboard? I would have fluted the cupboard.

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Speaker 4: It was very very tempting, very tempting, but she knew

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Speaker 4: exactly what was in there. I could never have got away.

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Speaker 5: With it, and she would have seen you with the

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Speaker 5: new barbie, and she like, just don't have an income wed.

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Speaker 1: One thousand percent.

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Speaker 4: But now I do it a bit more intentionally, And

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Speaker 4: when I see things that remind me of my friends

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Speaker 4: and family, things that I think they will love, and

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Speaker 4: they're on sale, I more often than not will pick

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Speaker 4: them up and pop them aside to be given it

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Speaker 4: either a birthday or Christmas or any other kind of

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Speaker 4: occasion where I might want.

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Speaker 1: To just give them a little something something.

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Speaker 5: I feel like that's a genius idea in theory, because

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Speaker 5: that would not work for me. No, why not, Because like,

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Speaker 5: let's just use you as an example, Because obviously, Jess,

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Speaker 5: I'm going to buy your Christmas present. I know your

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Speaker 5: love language. But also I really love gift giving as well.

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Speaker 5: But if I had a gift cupboard and I just

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Speaker 5: collected things throughout the year they've I already have in

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Speaker 5: my head what I want to buy you. So even

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Speaker 5: if I'd bought something and put it in the cupboard

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Speaker 5: and put it away for later, like I don't want

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Speaker 5: that now.

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Speaker 1: I want to get something different.

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Speaker 5: So it would be a waste of money for me

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Speaker 5: because I would also loot my own cupboard and take all.

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Speaker 4: This stuff out of zero self control from Victoria, divine

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Speaker 4: is anybody's world.

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Speaker 5: I'm not going to go to Mecca and buy a

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Speaker 5: gorgeous like gifts even if it's on sale.

437
00:18:01,240 --> 00:18:03,399
Speaker 1: You best believe I want that body butter. Yeah, I

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Speaker 1: need it. That's fair. The boomboom cream, everybody loves it.

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00:18:06,480 --> 00:18:07,800
Speaker 1: Do I have a gift pack this year?

440
00:18:08,080 --> 00:18:11,040
Speaker 4: A thousand percent two? Everyone is getting boom boom cream.

441
00:18:11,960 --> 00:18:13,439
Speaker 4: Let's go to a really quick break and when we

442
00:18:13,480 --> 00:18:15,400
Speaker 4: come back, VID, you and I are going to share

443
00:18:15,400 --> 00:18:22,760
Speaker 4: some of our favorite top tips. Don't go anywhere. Welcome

444
00:18:22,840 --> 00:18:26,159
Speaker 4: back everybody. Today we are talking all about Christmas hacks.

445
00:18:26,200 --> 00:18:28,800
Speaker 4: We just shared all of our favorite community ones, and

446
00:18:28,880 --> 00:18:30,720
Speaker 4: Victoria and I have got a couple of our own

447
00:18:30,800 --> 00:18:33,320
Speaker 4: up our sleeve to finish up the episode.

448
00:18:33,359 --> 00:18:36,600
Speaker 5: My first one, I'm glad you're going first because mine

449
00:18:36,600 --> 00:18:39,840
Speaker 5: are a little on the dryer slash non existence side.

450
00:18:40,280 --> 00:18:44,520
Speaker 5: I'm less festive than Jessic Gotta ITCHI, which is so fine.

451
00:18:44,640 --> 00:18:47,160
Speaker 1: That's okay. All have different goals and values.

452
00:18:47,200 --> 00:18:49,560
Speaker 5: But when I got asked to write down my favorite

453
00:18:49,640 --> 00:18:51,960
Speaker 5: Christmas hacks, I have written down all the things that

454
00:18:52,000 --> 00:18:53,760
Speaker 5: I shared in the first part of this episode.

455
00:18:53,760 --> 00:18:54,439
Speaker 1: So good from me.

456
00:18:54,960 --> 00:18:57,639
Speaker 4: You're on the same wavelength as everybody, which doesn't surprise

457
00:18:57,680 --> 00:19:00,240
Speaker 4: me because there are a bunch of smart cookies. First

458
00:19:00,280 --> 00:19:04,280
Speaker 4: tip for you guys is to buy Christmas decorations, wrapping,

459
00:19:04,520 --> 00:19:07,920
Speaker 4: things of that nature on Boxing Day. You're obviously not

460
00:19:07,960 --> 00:19:09,800
Speaker 4: gonna use it this yet, although maybe if you would,

461
00:19:09,880 --> 00:19:11,960
Speaker 4: if you've pushed your Christmas out like not everyone I

462
00:19:11,960 --> 00:19:14,320
Speaker 4: know A lot of families will do two Christmases. So

463
00:19:14,320 --> 00:19:16,639
Speaker 4: maybe you've got one the twenty fifth and one like

464
00:19:16,680 --> 00:19:18,879
Speaker 4: a week later. Yeah, we do a Christmas on like

465
00:19:18,920 --> 00:19:21,240
Speaker 4: Boxing Day or a week later. Yes, there's just too

466
00:19:21,240 --> 00:19:24,080
Speaker 4: many people, so you can snag a hot deal. Most

467
00:19:24,080 --> 00:19:26,560
Speaker 4: of the time, Christmas stuff goes a minimum fifty percent

468
00:19:26,600 --> 00:19:28,920
Speaker 4: off the day after Christmas. You can do it online,

469
00:19:29,000 --> 00:19:30,600
Speaker 4: you can go to your local kmart, you can go

470
00:19:30,640 --> 00:19:33,520
Speaker 4: to wherever. I know that historically it's been like a

471
00:19:33,560 --> 00:19:36,440
Speaker 4: real fight to the death at the shops, but the

472
00:19:36,560 --> 00:19:38,800
Speaker 4: last I mean obviously last year and the year before

473
00:19:38,800 --> 00:19:40,960
Speaker 4: with COVID, but I feel like more and more people

474
00:19:40,960 --> 00:19:43,000
Speaker 4: are turning to online. And if you are going to

475
00:19:43,080 --> 00:19:45,159
Speaker 4: go Boxing Day shopping, go early because if you go

476
00:19:45,200 --> 00:19:47,840
Speaker 4: when the shops open, it's almost always really quiet.

477
00:19:47,960 --> 00:19:51,280
Speaker 5: I feel like that is really smart. Following on from that,

478
00:19:51,400 --> 00:19:55,640
Speaker 5: when it comes to kids Christmas presents, recently, I have found,

479
00:19:56,040 --> 00:19:59,440
Speaker 5: especially with younger kids on Christmas Day, they just want

480
00:19:59,440 --> 00:20:02,600
Speaker 5: to be entertained. I have a million times over bought

481
00:20:02,680 --> 00:20:06,560
Speaker 5: really cute outfits or really fancy toys, but it's the

482
00:20:06,560 --> 00:20:10,880
Speaker 5: things that immediately engage them that are really really popular.

483
00:20:11,080 --> 00:20:13,000
Speaker 5: So at my wedding, and I guess this could be

484
00:20:13,040 --> 00:20:15,680
Speaker 5: a really good Christmas hack as well, is I made

485
00:20:15,720 --> 00:20:19,320
Speaker 5: them gift bags. Because yes, I had kids at my wedding.

486
00:20:19,480 --> 00:20:22,120
Speaker 5: I don't regret that for a second. I adore them

487
00:20:22,200 --> 00:20:25,280
Speaker 5: and I want them around me, like literally forever. I

488
00:20:25,320 --> 00:20:28,199
Speaker 5: couldn't imagine having a clack of wedding without having the

489
00:20:28,280 --> 00:20:31,240
Speaker 5: kids there. But I made them gift packs, and to

490
00:20:31,320 --> 00:20:33,679
Speaker 5: be honest, I just went to Kmart. They were so

491
00:20:33,920 --> 00:20:38,080
Speaker 5: cheap to put together. I found ninety eight cents coloring

492
00:20:38,119 --> 00:20:41,800
Speaker 5: in books Jess money win. Yeah, coloring pencils were like

493
00:20:41,880 --> 00:20:45,040
Speaker 5: three dollars. I bought some like pretty novel lollies came

494
00:20:45,080 --> 00:20:47,280
Speaker 5: out again really cheap. I just bought a multi pack

495
00:20:47,320 --> 00:20:49,639
Speaker 5: and then like spread it among a whole heap of kids.

496
00:20:49,800 --> 00:20:52,520
Speaker 5: I bought some fancy sonnies. I bought glow sticks and

497
00:20:52,600 --> 00:20:56,119
Speaker 5: play doh and they were psycho over it. They were like,

498
00:20:56,160 --> 00:20:57,959
Speaker 5: oh my god, it's like mini versions of all their

499
00:20:57,960 --> 00:21:00,560
Speaker 5: favorite things and a coloring in book and kept them

500
00:21:00,720 --> 00:21:04,320
Speaker 5: entertained for literally the whole day, like they had one

501
00:21:04,400 --> 00:21:06,040
Speaker 5: new thing and another new thing. And I think being

502
00:21:06,080 --> 00:21:08,880
Speaker 5: able to open these like smaller gifts and have things

503
00:21:08,880 --> 00:21:11,320
Speaker 5: that were keeping them entertained is a really good idea.

504
00:21:11,440 --> 00:21:14,119
Speaker 5: But literally, I think each gift pack, I mean I

505
00:21:14,160 --> 00:21:16,760
Speaker 5: did spend an extra dollar per gift bag, Jess, which

506
00:21:16,760 --> 00:21:18,880
Speaker 5: you probably don't need to do. But if you put

507
00:21:18,920 --> 00:21:21,440
Speaker 5: something like that together for kids, as opposed to going

508
00:21:21,480 --> 00:21:24,800
Speaker 5: and buying them the latest Lego or Barbie brand like

509
00:21:24,920 --> 00:21:27,880
Speaker 5: that stuff immediately starts at like forty nine dollars. From

510
00:21:27,920 --> 00:21:31,639
Speaker 5: my experience, they're gonna love it. It's novel, it's exciting.

511
00:21:31,720 --> 00:21:35,480
Speaker 5: You can save some money on kids presence, and from

512
00:21:35,480 --> 00:21:38,960
Speaker 5: my experience, kids don't fight over who got what and

513
00:21:39,000 --> 00:21:41,400
Speaker 5: when and where because they're all getting a coloring in book,

514
00:21:41,400 --> 00:21:44,440
Speaker 5: they're all getting pencils, they're all getting a lolly. And

515
00:21:44,600 --> 00:21:46,920
Speaker 5: the kids in my family, they just started trading things

516
00:21:46,960 --> 00:21:49,040
Speaker 5: as opposed to going like oh you got you know

517
00:21:49,080 --> 00:21:52,200
Speaker 5: this different thing. It was, Oh you got that color

518
00:21:52,200 --> 00:21:53,720
Speaker 5: glow stick, I want that one.

519
00:21:53,760 --> 00:21:55,399
Speaker 1: You can have my pink one. And it was actually

520
00:21:55,480 --> 00:21:56,040
Speaker 1: really sweet.

521
00:21:56,119 --> 00:21:59,159
Speaker 5: Yeah, they wheeled and dealed like little lollies and glove sticks.

522
00:21:59,280 --> 00:22:01,400
Speaker 5: And they all had the same pencils, but like one

523
00:22:01,400 --> 00:22:03,399
Speaker 5: of the little ones wanted all of the same color

524
00:22:03,440 --> 00:22:05,600
Speaker 5: pencil for some reason. But you know what you do,

525
00:22:05,640 --> 00:22:07,560
Speaker 5: you boo, here's ten pink pencils.

526
00:22:07,800 --> 00:22:11,120
Speaker 4: You live your best life, queen, go off. My next

527
00:22:11,119 --> 00:22:13,160
Speaker 4: little tip for you guys is a plant one. Because

528
00:22:13,200 --> 00:22:14,640
Speaker 4: we know a lot of people, there'shoes in the money

529
00:22:14,640 --> 00:22:17,919
Speaker 4: community are plant people just like us. There's kind of

530
00:22:18,000 --> 00:22:20,399
Speaker 4: two options here. So if you already have a lot

531
00:22:20,400 --> 00:22:22,760
Speaker 4: of plants, why don't you propagate them, give them away

532
00:22:22,760 --> 00:22:24,560
Speaker 4: as gifts. If you've got a devil's ivy, give it

533
00:22:24,600 --> 00:22:25,800
Speaker 4: a little snippy snip.

534
00:22:25,920 --> 00:22:27,000
Speaker 1: Oh you gotta liberate it.

535
00:22:27,119 --> 00:22:30,119
Speaker 4: You gotta liberate it, absolutely so snippy snip. Liberate your

536
00:22:30,119 --> 00:22:32,399
Speaker 4: own plant. Or if there's one you know doing public

537
00:22:32,480 --> 00:22:34,800
Speaker 4: theoretically maybe in your office that you want to liberate

538
00:22:34,920 --> 00:22:37,280
Speaker 4: by all means, which we would never do. We've never

539
00:22:37,359 --> 00:22:39,600
Speaker 4: done that. Absolutely, you're not. I don't know what you're

540
00:22:39,600 --> 00:22:41,160
Speaker 4: talking about, But you know what you're talking about. Get

541
00:22:41,160 --> 00:22:43,199
Speaker 4: a little cutting. You can buy it cam out like

542
00:22:43,320 --> 00:22:45,880
Speaker 4: one dollar little glass shars. You could fill it with water,

543
00:22:46,000 --> 00:22:48,280
Speaker 4: pop the propagation in it. Devil's ivy as well.

544
00:22:48,440 --> 00:22:48,760
Speaker 1: Yeah.

545
00:22:48,840 --> 00:22:52,800
Speaker 5: I wish propagation was as complicated as the word is. Yeah,

546
00:22:52,800 --> 00:22:54,879
Speaker 5: because it's not. You just snippy snippy, put it in

547
00:22:54,960 --> 00:22:57,520
Speaker 5: water and it just grows. Yeah, so you probably need

548
00:22:57,520 --> 00:22:59,480
Speaker 5: a bit more time. Maybe that's the next year, think

549
00:22:59,560 --> 00:23:02,600
Speaker 5: because right now it's nearly Christmas, so you can.

550
00:23:02,520 --> 00:23:03,360
Speaker 1: Get them rooted up.

551
00:23:03,680 --> 00:23:06,600
Speaker 4: The other option is you could go to your local

552
00:23:06,640 --> 00:23:08,959
Speaker 4: Buddings or I know IQR sell a lot of like

553
00:23:09,040 --> 00:23:13,040
Speaker 4: really affordable larger plants and succulents. Buy a big one,

554
00:23:13,200 --> 00:23:16,240
Speaker 4: split it up into smaller ones, repot them. IQA sells

555
00:23:16,280 --> 00:23:18,760
Speaker 4: pots for like two or three dollars. The Back Dollar

556
00:23:18,840 --> 00:23:21,320
Speaker 4: Shop have really cute ceramic ones as well. I think

557
00:23:21,359 --> 00:23:23,600
Speaker 4: this idea is great. Yeah, split it up and then

558
00:23:23,680 --> 00:23:26,720
Speaker 4: you turn your one twenty dollars plant into five little

559
00:23:26,920 --> 00:23:30,040
Speaker 4: gift five dollar gifts, which is perfect for people money win.

560
00:23:30,400 --> 00:23:31,360
Speaker 4: Can I have a turn now?

561
00:23:31,480 --> 00:23:32,040
Speaker 1: Absolutely?

562
00:23:32,119 --> 00:23:37,040
Speaker 5: Okay, So I love an esthetic wrapping paper. Wrapping paper

563
00:23:37,080 --> 00:23:39,280
Speaker 5: is really expensive though, So you know what I do.

564
00:23:39,680 --> 00:23:41,800
Speaker 5: I go down to office works and I buy a

565
00:23:41,880 --> 00:23:46,639
Speaker 5: fifty meter roll of PBS craft paper roll. It's brown paper.

566
00:23:46,880 --> 00:23:51,120
Speaker 5: It's really nice. Ten dollars and twenty eight cents fifty meters.

567
00:23:51,359 --> 00:23:53,560
Speaker 5: So I wrap all of my presents in brown paper.

568
00:23:53,640 --> 00:23:55,560
Speaker 5: And then the money that I spend is spent at

569
00:23:55,640 --> 00:23:58,520
Speaker 5: Kmart on cute ribbons and stuff. Because you can pick

570
00:23:58,600 --> 00:24:01,199
Speaker 5: up a really big roll of life ribbon or you know,

571
00:24:01,240 --> 00:24:03,800
Speaker 5: like what's the curling ribbon or whatever it is. Yeah,

572
00:24:03,840 --> 00:24:06,200
Speaker 5: like per roll, it's like three or four dollars for

573
00:24:06,280 --> 00:24:09,679
Speaker 5: a really big role. Everything matches, it's really cute. And

574
00:24:09,720 --> 00:24:11,520
Speaker 5: then you know what I do, because I'm not buying

575
00:24:11,560 --> 00:24:14,280
Speaker 5: cards for all of my presents under my tree, I

576
00:24:14,359 --> 00:24:17,679
Speaker 5: buy one gold Posca marker and then in gold I

577
00:24:17,720 --> 00:24:18,480
Speaker 5: write their names.

578
00:24:18,640 --> 00:24:20,760
Speaker 1: Oh it's so cute, and I think.

579
00:24:20,560 --> 00:24:23,399
Speaker 5: It's really cute, really aesthetic. And then I literally have

580
00:24:23,840 --> 00:24:26,159
Speaker 5: that role of wrapping paper from last year and I

581
00:24:26,200 --> 00:24:28,280
Speaker 5: think the year before, like it was fifty meters.

582
00:24:28,320 --> 00:24:29,960
Speaker 1: I have not run out yet, Oh my gosh.

583
00:24:30,000 --> 00:24:32,080
Speaker 4: On the note of little tags, another thing that I've

584
00:24:32,119 --> 00:24:34,159
Speaker 4: done before. I did the brown paper fiber as well.

585
00:24:34,359 --> 00:24:37,399
Speaker 4: You can buy like a little five dollar like lump

586
00:24:37,560 --> 00:24:40,200
Speaker 4: of air dry clay, and so I'll buy that, roll

587
00:24:40,240 --> 00:24:41,960
Speaker 4: it out and then you can use if you have

588
00:24:42,000 --> 00:24:45,280
Speaker 4: cookie cutters, or you can freehand it into fun little shapes.

589
00:24:45,320 --> 00:24:46,800
Speaker 4: You just pop a hole through it with a pen.

590
00:24:47,320 --> 00:24:48,360
Speaker 4: Let it air dry, and.

591
00:24:48,320 --> 00:24:50,199
Speaker 1: Then you can paint their name on it.

592
00:24:50,280 --> 00:24:52,440
Speaker 4: You can paint it different colors and if you put

593
00:24:52,440 --> 00:24:54,719
Speaker 4: a little string, so you put it on the present

594
00:24:54,760 --> 00:24:56,919
Speaker 4: and it's like the tag for the gift. But then

595
00:24:56,920 --> 00:24:58,320
Speaker 4: they keep it and it can be an ornament for

596
00:24:58,359 --> 00:24:58,680
Speaker 4: the tree.

597
00:24:59,119 --> 00:24:59,880
Speaker 1: Es how nice.

598
00:25:00,000 --> 00:25:02,159
Speaker 5: It's the difference between you and me. I bought a sharpie,

599
00:25:02,400 --> 00:25:05,199
Speaker 5: you made them an ornament. It's just not happening. My

600
00:25:05,359 --> 00:25:08,880
Speaker 5: other update, though, which is like sidetrack I do apologize,

601
00:25:09,240 --> 00:25:13,080
Speaker 5: is this year, keep all of your Christmas cards. Because

602
00:25:13,119 --> 00:25:15,760
Speaker 5: if you keep all your Christmas cards and Christmas tags,

603
00:25:15,840 --> 00:25:18,119
Speaker 5: I feel like whenever you get a gift bag, the

604
00:25:18,240 --> 00:25:20,800
Speaker 5: Christmas tag hasn't got any writing on it. You can

605
00:25:20,840 --> 00:25:22,639
Speaker 5: cut off the part that has been written and then

606
00:25:22,680 --> 00:25:24,639
Speaker 5: you can make like tags for your gifts for the

607
00:25:24,640 --> 00:25:25,080
Speaker 5: next year.

608
00:25:25,080 --> 00:25:26,280
Speaker 1: Are very smart.

609
00:25:27,119 --> 00:25:30,480
Speaker 4: The tag look really good on brown paper. Everything was

610
00:25:30,480 --> 00:25:31,200
Speaker 4: good on brown paper.

611
00:25:31,359 --> 00:25:33,840
Speaker 5: If you see me gifting anything in not brown paper,

612
00:25:34,000 --> 00:25:35,520
Speaker 5: be like, oh wow, she's run out of that brown

613
00:25:35,560 --> 00:25:37,880
Speaker 5: paper because like I'm not done here, Like I keep

614
00:25:37,960 --> 00:25:38,280
Speaker 5: using it.

615
00:25:38,320 --> 00:25:40,720
Speaker 1: I am obsessed. I think this hack is genius. That

616
00:25:40,880 --> 00:25:42,400
Speaker 1: is actually so smart.

617
00:25:42,600 --> 00:25:43,800
Speaker 4: The last tip that I have is a bit of

618
00:25:43,840 --> 00:25:46,520
Speaker 4: a shop back hack that someone shared with us previously,

619
00:25:46,560 --> 00:25:47,920
Speaker 4: and I can't remember who it was, but I think

620
00:25:47,920 --> 00:25:50,360
Speaker 4: it works particularly well for Christmas.

621
00:25:50,600 --> 00:25:52,320
Speaker 5: We're going to get in trouble for sharing this, and

622
00:25:52,320 --> 00:25:53,960
Speaker 5: shot back are gonna come for us and be like

623
00:25:54,040 --> 00:25:58,000
Speaker 5: Jess and Victoria, why are you gaming the system? We

624
00:25:58,160 --> 00:26:00,720
Speaker 5: literally work with you to put us in the best position,

625
00:26:00,800 --> 00:26:01,760
Speaker 5: and you're not though.

626
00:26:01,640 --> 00:26:04,200
Speaker 4: That's exactly it, Like it's not we're not doing anything naughty,

627
00:26:04,240 --> 00:26:04,600
Speaker 4: but it is.

628
00:26:04,640 --> 00:26:06,600
Speaker 1: Really We're not doing shot back any favors.

629
00:26:06,760 --> 00:26:09,720
Speaker 4: No, well no, But what you can do is, if

630
00:26:09,760 --> 00:26:12,400
Speaker 4: you're looking to purchase something from somewhere that maybe isn't

631
00:26:12,400 --> 00:26:15,040
Speaker 4: on shop back, or maybe doesn't have a really high

632
00:26:15,119 --> 00:26:17,000
Speaker 4: amount of cash back, like if it's just didn't it

633
00:26:17,000 --> 00:26:19,359
Speaker 4: like one or two percent, have a look if you

634
00:26:19,400 --> 00:26:22,000
Speaker 4: can purchase a gift card for the same place. Because

635
00:26:22,040 --> 00:26:24,399
Speaker 4: a lot of the time, she's smarting, gift cards have

636
00:26:24,480 --> 00:26:27,359
Speaker 4: the higher percentage back, you get one of your calls

637
00:26:27,480 --> 00:26:29,840
Speaker 4: or target gift cards that more often than not can

638
00:26:29,880 --> 00:26:33,879
Speaker 4: be used at multiple franchises, then fit under everything, and

639
00:26:33,920 --> 00:26:36,920
Speaker 4: then use that to buy gifts. So if you're like, oh,

640
00:26:37,000 --> 00:26:39,639
Speaker 4: I really want this DVD, I don't know why DVD

641
00:26:39,760 --> 00:26:42,240
Speaker 4: is the first thing I thought of. They even sell

642
00:26:42,320 --> 00:26:44,359
Speaker 4: DVD still, I have no idea. Okay, you know what,

643
00:26:44,400 --> 00:26:46,080
Speaker 4: you really want to buy a copy of Investing with

644
00:26:46,160 --> 00:26:47,680
Speaker 4: Shees and the Money.

645
00:26:48,280 --> 00:26:50,240
Speaker 1: Imagine if you said that right off the bat, I

646
00:26:50,240 --> 00:26:52,720
Speaker 1: don't know why I thought of DVD. That's fine, you

647
00:26:52,760 --> 00:26:54,080
Speaker 1: really want a copy of SES on the Money.

648
00:26:54,160 --> 00:26:57,520
Speaker 5: Investing with apparently is better though, So if you see

649
00:26:57,600 --> 00:26:59,720
Speaker 5: like Barbie Swan Lake, pick that up, I'd.

650
00:26:59,560 --> 00:27:02,040
Speaker 4: Love a copy your Bobbies like that movie pops off

651
00:27:02,880 --> 00:27:04,320
Speaker 4: back on track. You know you want a copy of

652
00:27:04,320 --> 00:27:05,960
Speaker 4: Investing in Strees of Money or the og Shoes of

653
00:27:05,960 --> 00:27:08,480
Speaker 4: the Money. Maybe a bundle, but you're like, ah, the

654
00:27:08,560 --> 00:27:11,720
Speaker 4: discount on you know, book Topia or whatever platform isn't

655
00:27:11,720 --> 00:27:12,960
Speaker 4: as high as I was like to be.

656
00:27:13,320 --> 00:27:15,800
Speaker 5: Or you want the book Toby a discount right right, right,

657
00:27:15,920 --> 00:27:17,639
Speaker 5: But you don't want to pay for shipping. If you

658
00:27:17,680 --> 00:27:19,440
Speaker 5: have to pay shipping by the gift.

659
00:27:19,280 --> 00:27:22,639
Speaker 4: Card, go get in store exactly so you names the system,

660
00:27:22,880 --> 00:27:25,639
Speaker 4: you've got extra cash back, You've got exactly what you want.

661
00:27:25,960 --> 00:27:28,320
Speaker 4: I feel like that's the best stop back and hire us.

662
00:27:28,400 --> 00:27:32,240
Speaker 4: We will continue to make you less money. Have you

663
00:27:32,280 --> 00:27:34,320
Speaker 4: got one last one for MeV before we wrap up?

664
00:27:34,359 --> 00:27:36,800
Speaker 5: I think we've talked a lot just about like buying

665
00:27:36,840 --> 00:27:39,280
Speaker 5: things and presents and gifts, But I also think my

666
00:27:39,359 --> 00:27:41,720
Speaker 5: last hack is actually just quality time, and that's what

667
00:27:41,800 --> 00:27:44,840
Speaker 5: people are you know, I guess missing out on this year.

668
00:27:45,160 --> 00:27:47,600
Speaker 5: It's funny because at the start of this episode we

669
00:27:47,680 --> 00:27:49,600
Speaker 5: said that most people are going to spend more money

670
00:27:49,640 --> 00:27:51,520
Speaker 5: this year than they did last year. But do you

671
00:27:51,560 --> 00:27:54,280
Speaker 5: know why? Quality time? Because we're actually able to see

672
00:27:54,320 --> 00:27:56,840
Speaker 5: people and enjoy their company. And I think that if

673
00:27:56,840 --> 00:28:00,480
Speaker 5: we're all reminded that Christmas isn't necessarily about the stuff

674
00:28:00,720 --> 00:28:02,960
Speaker 5: unless your jests, in which case is very important that

675
00:28:03,040 --> 00:28:05,399
Speaker 5: the stuff is still there. But I think it's really

676
00:28:05,400 --> 00:28:08,000
Speaker 5: important to remember that if it's not in your budget,

677
00:28:08,000 --> 00:28:10,560
Speaker 5: I think that's okay to a really beautiful card or

678
00:28:10,640 --> 00:28:13,800
Speaker 5: a homemade present, or some cookies or something that you've made,

679
00:28:14,000 --> 00:28:16,479
Speaker 5: or even just negotiating not to have any gifts that

680
00:28:16,560 --> 00:28:19,600
Speaker 5: year is also a really beautiful present because from my perspective,

681
00:28:19,640 --> 00:28:21,360
Speaker 5: I'd much prefer to say you to you. Jess, Hey,

682
00:28:21,400 --> 00:28:23,479
Speaker 5: I just don't have it in my budget for Christmas,

683
00:28:23,560 --> 00:28:25,800
Speaker 5: but I'd still love to hang out. Is much better

684
00:28:25,840 --> 00:28:29,320
Speaker 5: than avoiding someone completely and not enjoying their festive season

685
00:28:29,359 --> 00:28:31,600
Speaker 5: at all because you're worried about them expecting a gift

686
00:28:31,640 --> 00:28:33,200
Speaker 5: from you, because I promise no one does.

687
00:28:33,440 --> 00:28:36,280
Speaker 4: No And as someone who is like I would say

688
00:28:36,280 --> 00:28:38,560
Speaker 4: the Queen of Christmas, we're gonna call myself a Queen

689
00:28:38,560 --> 00:28:39,080
Speaker 4: of Christmas.

690
00:28:39,080 --> 00:28:41,000
Speaker 1: I love Christmas, or you the Queen of Christmas. I

691
00:28:41,000 --> 00:28:41,840
Speaker 1: love giving gifts.

692
00:28:42,040 --> 00:28:45,880
Speaker 4: I would not be even one tiny little drop of

693
00:28:45,880 --> 00:28:47,800
Speaker 4: offended if someone said that to me, And I think,

694
00:28:47,880 --> 00:28:50,280
Speaker 4: like that's a shining example, like if you love Christmas

695
00:28:50,320 --> 00:28:53,760
Speaker 4: as much as me, and I would honestly really appreciate

696
00:28:53,800 --> 00:28:56,200
Speaker 4: someone being so honest with me. I don't want anyone

697
00:28:56,240 --> 00:28:58,960
Speaker 4: to ever feel afraid about having those conversations with people,

698
00:28:58,960 --> 00:29:01,040
Speaker 4: because I like, no one will mind.

699
00:29:01,640 --> 00:29:03,600
Speaker 1: The best gift you can give people is your love.

700
00:29:03,680 --> 00:29:06,320
Speaker 1: And exactly it sounds lame, but it's so true.

701
00:29:06,480 --> 00:29:09,360
Speaker 5: And like just I think I'm speaking on your behalf here,

702
00:29:09,400 --> 00:29:12,440
Speaker 5: but I can't imagine if I gave you a gift

703
00:29:12,440 --> 00:29:14,280
Speaker 5: and then later said like, oh, I'm really broker, I'm

704
00:29:14,320 --> 00:29:17,000
Speaker 5: really struggling, how guilty you'd feel like you wouldn't feel

705
00:29:17,000 --> 00:29:19,920
Speaker 5: good about that. Just don't do it. Don't stretch yourself

706
00:29:19,960 --> 00:29:23,200
Speaker 5: beyond what you need to this Christmas, and to be honest,

707
00:29:23,240 --> 00:29:25,840
Speaker 5: it's about the attention that you give people. But that's

708
00:29:25,880 --> 00:29:28,560
Speaker 5: probably a really good place to leave it, mister SCRICI.

709
00:29:28,160 --> 00:29:28,560
Speaker 1: I think so.

710
00:29:28,680 --> 00:29:30,960
Speaker 4: I hope you guys enjoyed our Christmas content. Come to

711
00:29:31,040 --> 00:29:33,080
Speaker 4: Instagram if you want more, because I got told there

712
00:29:33,120 --> 00:29:34,880
Speaker 4: was no more room on the podcast, so.

713
00:29:35,240 --> 00:29:37,360
Speaker 1: Come to it on the internet.

714
00:29:37,400 --> 00:29:39,800
Speaker 4: Absolutely, there's gonna be lots of fun things happening over

715
00:29:39,840 --> 00:29:41,040
Speaker 4: there where She's on the Money.

716
00:29:41,040 --> 00:29:41,760
Speaker 1: AUS.

717
00:29:42,040 --> 00:29:44,440
Speaker 4: You can also join us on Facebook where She's on

718
00:29:44,520 --> 00:29:46,040
Speaker 4: the Money if you'd like to find us and join

719
00:29:46,080 --> 00:29:49,440
Speaker 4: our group where hundreds of thousands of people share tips

720
00:29:49,440 --> 00:29:51,560
Speaker 4: and tricks every single day. There's been lots of great

721
00:29:51,600 --> 00:29:52,680
Speaker 4: Christmas chat going on.

722
00:29:52,880 --> 00:29:55,720
Speaker 1: I love it, Jess. I think that is a beautiful

723
00:29:55,720 --> 00:29:56,440
Speaker 1: place to leave it.

724
00:29:56,480 --> 00:29:59,320
Speaker 5: So with that, I hope you have a beautiful festive season,

725
00:29:59,360 --> 00:30:02,680
Speaker 5: however you are celebrating or not celebrating and we will

726
00:30:02,720 --> 00:30:03,640
Speaker 5: see you on Friday.

727
00:30:03,800 --> 00:30:08,200
Speaker 1: Bye.

728
00:30:10,440 --> 00:30:12,960
Speaker 5: The advice shared on She's on the Money is general

729
00:30:13,040 --> 00:30:15,080
Speaker 5: in nature and does not consider.

730
00:30:14,720 --> 00:30:16,240
Speaker 1: Your individual circumstances.

731
00:30:16,600 --> 00:30:20,000
Speaker 5: She's on the Money exists purely for educational purposes and

732
00:30:20,040 --> 00:30:22,480
Speaker 5: should not be relied upon to make an investment or

733
00:30:22,560 --> 00:30:26,160
Speaker 5: financial decision. If you do choose to buy a financial product,

734
00:30:26,240 --> 00:30:30,240
Speaker 5: read the PDS TMD and obtain appropriate financial advice tailored

735
00:30:30,240 --> 00:30:33,720
Speaker 5: towards your needs. Victoria Divine and She's on the Money

736
00:30:33,760 --> 00:30:38,680
Speaker 5: are authorized representatives of money. Shepper Pty Ltd ABN three

737
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Speaker 5: two one six four nine two seven seven zero eight

738
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Speaker 5: AFSL four five one two eight nine