Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through.
Speaker 2: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 4: Hello, and welcome to the podcast Millennials who Want Financial Freedom.
Speaker 4: My name is Jessica Ricki and today I'm here as
Speaker 4: always with Queen Victoria Divine.
Speaker 1: Hello, jous, I'm actually really disappointed in you today. Why
Speaker 1: because you could have started that as Hello and welcome
Speaker 1: to She's on the Money the podcast.
Speaker 4: But happy Christmat Do you know what I missed? And
Speaker 4: we made this pun last year. I'm going to start again. Everybody,
Speaker 4: pretend this is the start. Hello and welcome to Trees
Speaker 4: on the Money Y the podcast Millennials who want financial freedom.
Speaker 2: You.
Speaker 1: I can't believe. I'm miss, I'm really disappointed in you.
Speaker 1: We have it on a ball ball and everything. After
Speaker 1: this episode is recorded, you need to go and think
Speaker 1: about what you've done. I'll go Seeck in the corner.
Speaker 1: But do you want to talk about Christmas? I always
Speaker 1: want to talk about Christmas, and everybody is surprised. Not
Speaker 1: at all.
Speaker 4: Last year we did four episodes. This year we've rained
Speaker 4: it in and this is the second of two.
Speaker 1: But I'm really disappointed. But we did have to negotiate
Speaker 1: them down because there were so many other topics I
Speaker 1: really wanted to cover one hundred percent.
Speaker 4: We love Christmas and we love the community. It gets
Speaker 4: us so excited to hear everybody's money, wins and tips.
Speaker 4: So we thought, why not combine all of those things
Speaker 4: together into this one fun, amazing episode.
Speaker 1: How are we incorporating investing, Jess? We're not okay? All
Speaker 1: the things you love? Yeah, all the things I love.
Speaker 1: So honestly, no one thought about me today. It's fine,
Speaker 1: all right, Jess. Today we are obviously celebrating our top ten.
Speaker 1: She's on the money community Christmas savings hacks. Because recently
Speaker 1: we asked you guys for your tips and tricks, and
Speaker 1: you obviously delivered. So today, Jess, you and I are
Speaker 1: going to be picking our top five each and we're
Speaker 1: gonna be sharing them on the show. Now, what you
Speaker 1: guys didn't know is that we've mixed them up because
Speaker 1: Jess and I could not pick which ones were our
Speaker 1: top five, so we put them together and we have
Speaker 1: a list of ten. And it's gonna be like picking
Speaker 1: team members in primary school for your sporting team, and
Speaker 1: it'll be like you get to go. So Jess will
Speaker 1: pick the first time, I'll go, and I'll pick the next,
Speaker 1: and then the last two will be our least favorites.
Speaker 1: But because they are the top ten, our producers laughing,
Speaker 1: but I'm not laughing. But because they're the top ten,
Speaker 1: we obviously love all of them. Just bringing some like
Speaker 1: primary school sports energy to this. Oh spicy, Now, don't forget.
Speaker 4: Last week we also spoke about how to navigate the
Speaker 4: financial and social anxieties at this time of year. So
Speaker 4: if you miss that episode, if you're feeling a little
Speaker 4: bit stressy, please go back and listen to it. We
Speaker 4: want you to look after yourselves and feel good about
Speaker 4: this time of year and this episode just meant to
Speaker 4: be a little bit lighthearted and fun.
Speaker 1: Absolutely, it is so important to keep that in mind
Speaker 1: because it is honestly such a tough time of the
Speaker 1: year for so many people, and the pressure that the
Speaker 1: festive season puts on us, I just feel like can
Speaker 1: be really unfair, So Jess. According to a study from
Speaker 1: MiQ Australia, did you know that thirty four percent of
Speaker 1: Australians are expecting to spend more this holiday season compared
Speaker 1: to last year despite rising inflation rates, interest rates and
Speaker 1: the cost of living expenses.
Speaker 4: Thirty four percent is a mind boggling amount, especially when
Speaker 4: you factor that in on top of everything else, like
Speaker 4: you just said, that's going on. So hopefully some of
Speaker 4: these little hacks and tricks, it might be a bit
Speaker 4: close to Christmas now, but file them away and save
Speaker 4: them for next year, because I think that these are
Speaker 4: the kinds of things that honestly are really smart and
Speaker 4: can make a huge difference if you take the time
Speaker 4: to plan starting now, Are you feeling like you're spending
Speaker 4: a lot more of this festive season?
Speaker 1: Yeah? I think so.
Speaker 4: I think especially alongside like just the cost of like
Speaker 4: food for dinner, like we do a friends mess and
Speaker 4: the cost of just a dinner, Like, we have the
Speaker 4: same amount of people this year, but the cost of
Speaker 4: feeding everyone has gone up because the price of all
Speaker 4: of the basic stuff has got up. I feel like
Speaker 4: my allocation within my budget hasn't really shifted too significantly,
Speaker 4: but the money is just not going as far, which
Speaker 4: is hard.
Speaker 1: We should do an episode next year at some point
Speaker 1: about how to reallocate your budget and like where you
Speaker 1: probably should fluff it out a bit, keeping in mind
Speaker 1: the fact that the cost of living is increasing. I
Speaker 1: feel like talking about like, hey, like on average, people
Speaker 1: are spending x amount more on their groceries, So this
Speaker 1: is good to be mindful of, and I'll do some
Speaker 1: research and bring that to the table because I feel
Speaker 1: like at the moment we're all feeling the pinch, but
Speaker 1: some of us just can't articulate where or when we
Speaker 1: just feel like we have less money. And back to
Speaker 1: the question I asked you, Jess, I feel like I've
Speaker 1: been spending more because one, I'm going out with more
Speaker 1: people at this time of the year and trying to
Speaker 1: catch up with everybody. But two, we have bigger Christmas
Speaker 1: things planned this year for like my family and for
Speaker 1: Steve's family, Like, there's just a lot more going on.
Speaker 1: So I feel like, Jess, we are not the only
Speaker 1: ones feeling the pinch this year in one way or another.
Speaker 1: So how about we get into it. Sounds good. What
Speaker 1: is your first little hack that you've got from the community. Okay,
Speaker 1: this one is very self involved because I obviously love
Speaker 1: shop Back and think it's a really really good money win.
Speaker 1: But our friend Chloe Antonil both say use shop back
Speaker 1: to save money on gifts and buy gift cards for
Speaker 1: you to spend over the festive period, and I just
Speaker 1: feel like that one straight off the bat at this
Speaker 1: point in the year, if you are not on shop
Speaker 1: back yet, like I feel like a bully. I'm not
Speaker 1: a bully, hah, but like it's just a no brainer
Speaker 1: because it's free money. It's not even like sign up
Speaker 1: and they'll sell your data. No, no, no sign up
Speaker 1: and they'll give you free money money win.
Speaker 4: That is absolutely our money in My first little hack
Speaker 4: comes from so many people, and I really like it
Speaker 4: because this is exactly what I do. Amy Shaza and
Speaker 4: a bunch of other people all said get your list
Speaker 4: ready in time for Black Friday and Cyber Monday sales,
Speaker 4: So start thinking about people early because then you can
Speaker 4: cash in on those sales and get the things that
Speaker 4: you're already going to get, but usually with a really
Speaker 4: nice discount, and then you can often stack it with
Speaker 4: shot back or cash back on top of that.
Speaker 1: So I've got another one. Are you ready? And I
Speaker 1: feel like this one really resonates with me because I've
Speaker 1: been known to do this. So our friend Dee suggested
Speaker 1: baked or homemade or second hand gifts, which we have
Speaker 1: done for a number of years. In our family. It's handmade,
Speaker 1: homemade or second hand is the rule, and then we
Speaker 1: give each other like a limit of how much we
Speaker 1: need to spend. And I think I've hyped on about
Speaker 1: this if you listen to our Christmas episodes last year.
Speaker 1: I believe it was Jess. I told you all about
Speaker 1: the kitchen that I got on gum Tree. That was
Speaker 1: an absolute circus. It was a kid's kitchen, but because
Speaker 1: it was secondhand, it was actually really well looked after.
Speaker 1: I think we picked it up for like twenty dollars
Speaker 1: or something on gum Tree, but the bonus was when
Speaker 1: we went to pick it up, the guy was like,
Speaker 1: oh my gosh, like, my daughter's so sad about losing this.
Speaker 1: And she was there and I was like, oh, my gosh,
Speaker 1: don't worry. It's going to like, you know, my niece
Speaker 1: and my nephew. And I showed her a photo and
Speaker 1: she gave us all of the like little kids pots
Speaker 1: and pans and plates and cups and fake fruit and
Speaker 1: vegetables and stuff, and she's like, oh, they'll need this
Speaker 1: and they'll need that, and like the dad was really
Speaker 1: happy because I think he was just getting rid of
Speaker 1: a whole heap of junk from the playroom. I mean,
Speaker 1: long story short, it did cost us a lot in
Speaker 1: fuel because we brought the wrong car. It didn't fit
Speaker 1: in that car. I had to drive home, swap cars
Speaker 1: come back while Steve, dressed in an ugly Christmas sweater,
Speaker 1: sat on the side of Smith Street late at night
Speaker 1: in Fitzroy, which is a one out of ten experience.
Speaker 1: So I think people thought he was crazy because not
Speaker 1: only did he have an ugly Christmas sweater on, but
Speaker 1: he also was just sitting with a kid's kitchen and
Speaker 1: people were kind of like, I don't think that guy
Speaker 1: was weird, Yeah what? And Steve was just like I
Speaker 1: was mortified because every second person walking past was like, dude,
Speaker 1: why are you calling DIBs on this kid's kitchen on
Speaker 1: the side of the world, Like this makes no sense,
Speaker 1: but anyway, I just feel like homemade, handmade or secondhand
Speaker 1: is actually a really good idea. I also have and
Speaker 1: we probably should post it on our stories. I killer
Speaker 1: recipe that impresses everybody for passion fruit yoyos that have
Speaker 1: never done me a disservice, Like every time I make
Speaker 1: it and gifted to someone, They're like, those are the
Speaker 1: best yrios ever And I'm like, thanks taste dot com
Speaker 1: dot au for the recipe by oh amazing. Yeah, I
Speaker 1: feel like upcycled gifts are really underrated, like buying something
Speaker 1: really affordably and then making it personalized and then you
Speaker 1: can tell whoever you're giving it to. I made this
Speaker 1: like I did it with my hands and my love.
Speaker 1: How nice is that? And to be honest, Jess, going
Speaker 1: back to my kitchen, I bought it, I cleaned it,
Speaker 1: I gave it to the kids. You would have bought it.
Speaker 1: You would have like pulled the thing apart, redesigned the thing,
Speaker 1: painted it in their colors, named it, done absolutely everything
Speaker 1: to make it a completely different kitchen and then gifted
Speaker 1: it to them. I don't have your creativity, but like
Speaker 1: that could be an idea. Yeah, give it a little huge.
Speaker 4: I have a hack here from Nicole who some people
Speaker 4: might disagree with this, but I really love a practical gift.
Speaker 4: And she said she has asked her parents to pay
Speaker 4: for the plumber that she desperately needs as her Christmas gift.
Speaker 1: I feel like that's a great that's a great gift
Speaker 1: because at the moment, trades are so expensive. As somebody
Speaker 1: who is currently at the tail end of renovating their house. Oooh,
Speaker 1: like she spent os.
Speaker 4: Like nobody goes you know what, I wanted to spend
Speaker 4: money on drainage, Like not a single person.
Speaker 1: I really like my toilet. I'm blocked for Christmas.
Speaker 4: I feel like if you have something practical that you need,
Speaker 4: whether you need textbooks for school or runners because you're broke,
Speaker 4: or like something that you go, oh, I'm not excited
Speaker 4: to buy that.
Speaker 1: That's a good gift. Yeah no, I love that and
Speaker 1: vice versa. Right, Like maybe you could start asking your
Speaker 1: friends and family if you're like, oh, what do you
Speaker 1: want instead of saying, oh, Jess, what do you want
Speaker 1: for Christmas? Because I'm not gonna outwardly say immediately plumber,
Speaker 1: like I wouldn't think of that, be like, oh yes,
Speaker 1: like you're renovating at the moment. Do you want me
Speaker 1: to pay for you know something towards that. Yeah, friends
Speaker 1: would jump up and down over that, like if you
Speaker 1: offered you can pay for my plumbing, this you just
Speaker 1: probably not. But okay, sorry sir, well I already paid
Speaker 1: for it. You do give me a rand. I feel
Speaker 1: like it's a very big bill. All right, Jess, I
Speaker 1: have another one for you. Are you ready? Yes? What
Speaker 1: have you got? Okay? So this is another one, and
Speaker 1: I'm being very self indulgent because I'm just picking the
Speaker 1: ones that I resonate most with. It kind of happens
Speaker 1: when you're picking sports teams. You definitely should keep doing
Speaker 1: this with money wins. But I feel like, you know,
Speaker 1: growing up, I hated that, like oh you pick, I pick,
Speaker 1: you pick, because I was literally always the last kid.
Speaker 1: Because that was a little nightmare in Peh. I wouldn't
Speaker 1: pick me either, but like, don't make me feel that bad,
Speaker 1: you know, a little victoria, So like, do it with
Speaker 1: your money wins. Don't do it with your children one
Speaker 1: out of ten idea, But this one, I'm being self
Speaker 1: indulgent because it is literally something my family do, and
Speaker 1: that secret center for the whole family with a fifty
Speaker 1: dollar budget. So in my family, because it's a little
Speaker 1: bit bigger and a little bit more extended, all of
Speaker 1: the adults get together and we do a secret Santa.
Speaker 1: So it's kind of we call it Chris Kringle, but
Speaker 1: I think it's exactly the same thing, right where we
Speaker 1: pull names out of a hat. Literally, that's how technical
Speaker 1: it gets. All of our names go on a piece
Speaker 1: of paper, get ripped up, pulled out, and that's who
Speaker 1: we're buying a Christmas present for that year. So on
Speaker 1: Christmas Day, everyone gets a present, but they get one present.
Speaker 1: And the amount of money that is spent on that,
Speaker 1: I mean, it could be fifty bucks, it could be
Speaker 1: one hundred dollars. But I think the most important thing
Speaker 1: is that that amount is a reasonable amount for you
Speaker 1: and your family to purchase. So if your budgets are
Speaker 1: at twenty dollars, just call it twenty dollars. I don't
Speaker 1: think it should extend past that. If one member in
Speaker 1: your family can't afford that I think we should set
Speaker 1: the baseline at a baseline, not go, oh, well it's
Speaker 1: one hundred dollars and you know your aunt or your
Speaker 1: uncle or your cousin just can't afford that. I think
Speaker 1: that we should set it lower or set a different
Speaker 1: rule and just be mindful without saying like, oh, yes,
Speaker 1: I've said up lower because of you. It should just
Speaker 1: be use your brain and work it out. Because I
Speaker 1: just think that, you know, this time of year isn't
Speaker 1: the time of year that we point out when people
Speaker 1: are struggling or that maybe they can't afford it. But
Speaker 1: I think just you know, picking something that's a little
Speaker 1: bit more mindful is really helpful. One, the pressure is
Speaker 1: off because you only have to think of one present,
Speaker 1: but two, it's far less financially stressful.
Speaker 4: Yeah, And if you don't want to do where you
Speaker 4: buy for specific people, if you've got a big family
Speaker 4: and you don't see your aunts, your uncles and your
Speaker 4: cousins all that often Bad Santa or naughty Santa is
Speaker 4: a really fun one as well, where you just buy
Speaker 4: a general gift and usually people try to make it
Speaker 4: a bit funny or a bit fun and then you
Speaker 4: steal gifts from everybody, and that's a really good way
Speaker 4: to involve everyone, and you can set the same limit
Speaker 4: as well.
Speaker 1: Pro tip as someone who has also done this, the
Speaker 1: nerf gun always performs the best, Oh brilliant, because we
Speaker 1: all want to shoot everybody after so it's just like
Speaker 1: a lot of fun. So everybody wants the nerf gun
Speaker 1: because everything else is like, I don't want a candle. Also,
Speaker 1: one year I put together a pack and it was
Speaker 1: a tiny bottle of gin, a bottle of tonic water,
Speaker 1: and then like an orange lemon and a lime And
Speaker 1: that was actually a really good Chris Kringle present because
Speaker 1: one it felt a little bit customer who doesn't want
Speaker 1: a gin and tonic? I mean people who don't like
Speaker 1: gin and tonics, like you probably don't want to tonic.
Speaker 1: But I feel like that was a good Chris Kringle
Speaker 1: present because who doesn't love that? Yeah?
Speaker 4: Oh, like little silly kmart appliances like waffle makers or
Speaker 4: fairy foss machines, what means well, honey, the next hack
Speaker 4: I have comes from Madeleine. If you don't mind living
Speaker 4: on the edge, you can visit Cole's or your local
Speaker 4: deli on Christmas Eve kind of close to closing time,
Speaker 4: because more often than not they're heavily discounting all of
Speaker 4: the product because they're closed the next day. I guess
Speaker 4: the downside of this is if you're going to coluse,
Speaker 4: imagine like four pm on Christmas Eve, you may or
Speaker 4: may not well firstly get trampled and also quite possibly
Speaker 4: not have the widest selection to choose from. But if
Speaker 4: you're one of those people who's really creative with how
Speaker 4: you cook, or if you're not that fussed on what
Speaker 4: you get, it might be a nice way to snag
Speaker 4: smot deals.
Speaker 1: Yeah, that's definitely living on the edge for me, Jess, Like,
Speaker 1: I'm not gonna wait till almost closing time for my
Speaker 1: food to be discounted, maybe because what if it's not,
Speaker 1: then I might not have any food because I really
Speaker 1: needed a roast xyzed and they don't have it because
Speaker 1: they just discounted it and someone else got it.
Speaker 4: That's true, The anxiety's wild, that's true. I mean shop
Speaker 4: at your local stores as well. More often than not,
Speaker 4: your local butcher or your local fruit market will have
Speaker 4: stuff at a better cost per unit.
Speaker 1: Price than like coals or woolies words. So that's the
Speaker 1: way you could go as well. Speaking of coals or Woolies,
Speaker 1: my next hot tip is from our friend Mace, and
Speaker 1: Mace has said, you need to make sure that you
Speaker 1: set your Woolies Everyday rewards card to save for Christmas.
Speaker 1: I didn't even know this was a setting, but it's
Speaker 1: a setting on your rewards card that you select and
Speaker 1: all of your gift cards and discounts get added up
Speaker 1: and you can redeem them at Christmas time so that
Speaker 1: your grocery bill isn't as hectic. That's really really smart.
Speaker 4: I like that one a lot, particularly because then you
Speaker 4: don't really notice, like it's not like you're missing out
Speaker 4: on money, you're not putting money aside, but exactly those
Speaker 4: rewards stack up. If like ten bucks a year ten bucks,
Speaker 4: you could have a couple hundred dollars by the end
Speaker 4: of the year.
Speaker 1: I feel like I've heard of people do it this
Speaker 1: before in our community, like and when I say, I
Speaker 1: feel like, I know I have, But I just assumed
Speaker 1: that everybody was kind of like saving their discounts for Christmas,
Speaker 1: not that it was an actual setting, which is genuinely genius,
Speaker 1: very very smart.
Speaker 4: And I've got a similar one here from Chelsea who says,
Speaker 4: do the same thing but with flybys. Basically she just
Speaker 4: saves all of her dollars and redeems them at Christmas.
Speaker 1: What a genius. So I feel like I'm not nearly
Speaker 1: that smart, but you know what I'm going to do
Speaker 1: this year, because I think I have a fair few
Speaker 1: dollar rus in my shopback account, I'm going to pull
Speaker 1: that out and see who's Christmas presence I can pay
Speaker 1: for from shop back and share the update later once
Speaker 1: I've done it. Really smart, I can't wait. Hit up
Speaker 1: all right, Holly, she has a really good suggestion, Jess,
Speaker 1: are you ready for this? I think that some people
Speaker 1: are going to be salty on this. Last week I
Speaker 1: said cancel Christmas, but Holly said, just don't buy presents. Ah,
Speaker 1: your face Jess is very unhappy.
Speaker 4: HOLLI no, no, no, no, you know what, like for
Speaker 4: some people, not doing presents works for them and aligns
Speaker 4: to their values. But as we said last week, gif
Speaker 4: giving is my love language and I just couldn't. However,
Speaker 4: if that's a try, always the works for you, I
Speaker 4: am in full support of it.
Speaker 1: I kind of love this because Jess's face was just
Speaker 1: like no, and then she was like but if it
Speaker 1: aligns to your goals and values, Like I think this
Speaker 1: is very important and I'm like, all right, Jose, it
Speaker 1: learns to my goals and values to not buy Christmas presents.
Speaker 1: Are you okay with that? Yeah? Of course, like you
Speaker 1: are not your little face to you to get me
Speaker 1: a present. Sad you were present. I don't want your present. Well,
Speaker 1: too bad, I already bought it.
Speaker 4: Moving right along, Lucky last came from Emily, Elissa and
Speaker 4: about one thousand other people who all said, try to
Speaker 4: buy gifts throughout the year when they are on sale.
Speaker 4: And this is something that I got from my mum,
Speaker 4: and I feel like a lot of other people's mums
Speaker 4: would be the same. We always had like a gift
Speaker 4: cupboard where, especially when I was a kid, you know,
Speaker 4: you get invites to parties really last minute and stuff
Speaker 4: like that. So there was always a gift cupboard where
Speaker 4: if she saw barbies on zale or something you know
Speaker 4: that was age appropriate.
Speaker 1: Did you loot the cupboard? I would have fluted the cupboard.
Speaker 4: It was very very tempting, very tempting, but she knew
Speaker 4: exactly what was in there. I could never have got
Speaker 4: away with it, and she would have seen you with
Speaker 4: the new Barbie, and she like, just wait, don't have
Speaker 4: an income wed one thousand percent. But now I do
Speaker 4: it a bit more intentionally, And when I see things
Speaker 4: that remind me of my friends and family, things that
Speaker 4: I think they will love, and they're on sale, I
Speaker 4: more often than not will pick them up and pop
Speaker 4: them aside to be given it either a birthday or
Speaker 4: Christmas or any other kind of occasion where I might
Speaker 4: want to just give them a little something something.
Speaker 1: I feel like that's a genius idea in theory, because
Speaker 1: that would not work for me. No, why not, Because like,
Speaker 1: let's just use you as an example, Because obviously, Jess,
Speaker 1: I'm going to buy your Christmas present. I know your
Speaker 1: love language. But also I really love gift giving as well.
Speaker 1: But if I had a gift cupboard and I just
Speaker 1: collected things throughout the year they've I already have in
Speaker 1: my head what I want to buy you. So even
Speaker 1: if I'd bought something and put it in the cupboard
Speaker 1: and put it away for later, like, I don't want
Speaker 1: that now. I want to get something different, So it
Speaker 1: would be a waste of money for me because I
Speaker 1: would also loot my own cupboard and take.
Speaker 4: All this stuff out of zero self control from Victoria,
Speaker 4: divine is anybody's world.
Speaker 1: I'm not going to go to Mecca and buy a
Speaker 1: gorgeous like gifts even if it's on sale. You best
Speaker 1: believe I want that body butter. Yeah, I need it.
Speaker 1: That's fair. The boomboom cream, everybody loves it. Do I
Speaker 1: have a gift pack this year? A thousand percent two?
Speaker 1: Everyone is getting boom boom cream.
Speaker 4: Let's go to a really quick break and when we
Speaker 4: come back, VT, you and I are going to share
Speaker 4: some of our favorite top tips. Don't go anywhere. Welcome
Speaker 4: back everybody. Today we are talking all about Christmas hacks.
Speaker 4: We just shared all of our favorite community ones, and
Speaker 4: Victoria and I have got a couple of our own
Speaker 4: up our sleeve to finish up the episode.
Speaker 1: My first one. I'm glad you're going first because mine
Speaker 1: are a little on the dryer slash non existence side.
Speaker 1: I'm less festive than Jessic Gotta ITCHI, which is so fine.
Speaker 1: That's okay. All have different goals and values. But when
Speaker 1: I got asked to write down my favorite Christmas hacks,
Speaker 1: I have written down all the things that I shared
Speaker 1: in the first part of this episode, so good from me.
Speaker 1: You're on the same wavelength as everybody, which doesn't surprise
Speaker 1: me because there are a bunch of smart cookies. First
Speaker 1: tip for you guys is to buy Christmas decorations, wrapping,
Speaker 1: things of that nature on Boxing Day. You're obviously not
Speaker 1: gonna use it this year, although maybe if you would,
Speaker 1: if you've pushed your Christmas out like not everyone. I
Speaker 1: know a lot of families will do two Christmases. So
Speaker 1: maybe you've got one the twenty fifth and one like
Speaker 1: a week later. Yeah, we do a Christmas on like
Speaker 1: Boxing Day or a week later. Yes, there's just too
Speaker 1: many people, so you can snag a hot deal.
Speaker 4: Most of the time, Christmas stuff goes a minimum fifty
Speaker 4: percent off the day after Christmas. You can do it online,
Speaker 4: you can go to your local kmart, you can go
Speaker 4: to wherever. I know that historically it's been like a
Speaker 4: real fight to the death at the shops, but the
Speaker 4: last I mean obviously last year and the year before
Speaker 4: with COVID, but I feel like more and more people
Speaker 4: are turning to online. And if you are going to
Speaker 4: go Boxing Day shopping, go early because if you go
Speaker 4: when the shops open, it's almost always really quiet.
Speaker 1: I feel like that is really smart. Following on from that,
Speaker 1: when it comes to kids Christmas presents, recently, I have found,
Speaker 1: especially with younger kids on Christmas Day, they just want
Speaker 1: to be entertained. I have a million times over bought
Speaker 1: really cute outfits or really fancy toys, but it's the
Speaker 1: things that immediately engage them that are really really popular.
Speaker 1: So at my wedding, and I guess this could be
Speaker 1: a really good Christmas hack as well is I made
Speaker 1: them gift bags. Because yes, I had kids at my wedding.
Speaker 1: I don't regret that for a second. I adore them
Speaker 1: and I want them around me like literally forever. I
Speaker 1: couldn't imagine having a clack of wedding without having the
Speaker 1: kids there. But I made them gift packs, and to
Speaker 1: be honest, I just went to Kmart. They were so
Speaker 1: cheap to put together. I found ninety eight cents coloring
Speaker 1: in books Jess money win. Yeah, coloring pencils were like
Speaker 1: three dollars. I bought some like pretty novel lollies came
Speaker 1: out again really cheap. I just bought a multi pack
Speaker 1: and then like spread it among a whole heap of kids.
Speaker 1: I bought some fancy sonnies. I bought glow sticks and
Speaker 1: play doh, and they were psycho over it. They were like,
Speaker 1: oh my god, it's like mini versions of all their
Speaker 1: favorite things and a coloring in book and kept them
Speaker 1: entertained for literally the whole day, like they had one
Speaker 1: new thing and another new thing. And I think being
Speaker 1: able to open these like smaller gifts and have things
Speaker 1: that were keeping them entertained is a really good idea.
Speaker 1: But literally, I think each gift pack, I mean I
Speaker 1: did spend an extra dollar per gift bag, Jess, which
Speaker 1: you probably don't need to do. But if you put
Speaker 1: something like that together for kids, as opposed to going
Speaker 1: and buying them the latest Lego or Barbie brand like
Speaker 1: that stuff immediately starts at like forty nine dollars. From
Speaker 1: my experience, they're gonna love it. It's novel, it's exciting.
Speaker 1: You can save some money on kids presence, and from
Speaker 1: my experience, kids don't fight over who got what and
Speaker 1: when and where because they're all getting a coloring in book,
Speaker 1: they're all getting pencils, they're all getting a lolly. And
Speaker 1: the kids in my family they just started trading things
Speaker 1: as opposed to going like, oh you got you know
Speaker 1: this different thing. It was, Oh you got that color
Speaker 1: glow stick, I want that one, you can have my
Speaker 1: pink one. And it was actually really sweet. Yeah, they
Speaker 1: wheeled and dealed like little lollies and glove sticks, and
Speaker 1: they all had the same pencils, but like one of
Speaker 1: the little ones wanted all of the same color pencil
Speaker 1: for some reason. But you know what you do, you boo,
Speaker 1: here's ten pink pencils.
Speaker 4: You live your best life, queen, go off. My next
Speaker 4: little tip for you guys is a plant one. Because
Speaker 4: we know a lot of people, there'shoes in the money
Speaker 4: community are plant.
Speaker 1: People just like us.
Speaker 4: There's kind of two options here. So if you already
Speaker 4: have a lot of plants, why don't you propagate them,
Speaker 4: give them away as gifts. If you've got a devil's ivy,
Speaker 4: give it a little snippy snip.
Speaker 1: Oh you gotta liberate it.
Speaker 4: You gotta liberate it, absolutely, so snippy snip. Liberate your
Speaker 4: own plant. Or if there's one you know doing public
Speaker 4: theoretically maybe in your office that you want to liberate
Speaker 4: by all means, which we would never do.
Speaker 1: We've never done that. Absolutely, you're not I don't know
Speaker 1: what you're talking about, but you know what you're talking about.
Speaker 4: Get a little cutting. You can buy it cam out
Speaker 4: like one dollar little glass shars. You could fill it
Speaker 4: with water, pop the propagation in it.
Speaker 1: Devil's ivy as well. Yeah. I wish propagation was as
Speaker 1: complicated as the word is. Yeah, because it's not. You
Speaker 1: just snippy snippy, put it in water and it just grows. Yeah,
Speaker 1: So you probably need a bit more time. Maybe that's
Speaker 1: the next year, think because right now it's nearly Christmas,
Speaker 1: so you can get them rooted up.
Speaker 4: The other option is you could go to your local
Speaker 4: buddings or I know, IQA sell a lot of like
Speaker 4: really affordable larger plants and succulents. Buy a big one,
Speaker 4: split it up into smaller ones, repot them. IQA sells
Speaker 4: pots for like two or three dollars. The Back Dollar
Speaker 4: Shop have really cute ceramic ones as well. I think
Speaker 4: this idea is great. Yeah, split it up and then
Speaker 4: you turn your one twenty dollars plant into five little gift.
Speaker 1: Five dollar gifts, which is perfect for people money win.
Speaker 1: Can I have a turn now? Absolutely? Okay, So I
Speaker 1: love an esthetic wrapping paper Wrapping paper is really expensive though,
Speaker 1: So you know what I do. I go down to
Speaker 1: office works and I buy a fifty meter roll of
Speaker 1: PBS craft paper roll. It's brown paper. It's really nice.
Speaker 1: Ten dollars and twenty eight cents fifty meters. So I
Speaker 1: wrap all of my presents in brown paper. And then
Speaker 1: the money that I spend is spent at Kmart on
Speaker 1: cute ribbons and stuff because you can pick up a
Speaker 1: really big roll of Life ribbon or you know, like
Speaker 1: what's the curling ribbon or whatever it is. Yeah, like
Speaker 1: per roll, it's like three or four dollars for a
Speaker 1: really big role. Everything matches, it's really cute. And then
Speaker 1: you know what I do, because I'm not buying cards
Speaker 1: for all of my presents under my tree, I buy
Speaker 1: one gold Posca marker and then in gold I write
Speaker 1: their names. Oh it's so cute, and I think it's
Speaker 1: really cute, really aesthetic. And then I literally have that
Speaker 1: role of wrapping paper from last year and I think
Speaker 1: the year before, like it was fifty meters. I have
Speaker 1: not run out yet. Oh my gosh.
Speaker 4: On the note of little tags. Another thing that I've
Speaker 4: done before. I did the brown paper fiber as well.
Speaker 4: You can buy like a little five dollar like lump
Speaker 4: of air dry clay, and so I'll buy that, roll
Speaker 4: it out and then you can use if you have
Speaker 4: cookie cutters, or you can freehand it into fun little shapes.
Speaker 4: You just pop a hole through it with a pen.
Speaker 4: Let it air dry, and then you can paint their
Speaker 4: name on it. You can paint it different colors and
Speaker 4: if you put a little string, so you put it
Speaker 4: on the present and it's like the tag for the gift.
Speaker 4: But then they keep it and it can be an
Speaker 4: ornament for the tree.
Speaker 1: Es how nice. It's the difference between you and me.
Speaker 1: I bought a sharpie, you made them an ornament. It's
Speaker 1: just not happening. My other update, though, which is like
Speaker 1: sidetrack I do apologize, is this year, keep all of
Speaker 1: your Christmas cards. Because if you keep all your Christmas
Speaker 1: cards and Christmas tags, I feel like whenever you get
Speaker 1: a gift bag, the Christmas tag hasn't got any writing
Speaker 1: on it. You can cut off the part that has
Speaker 1: been written and then you can make like tags for
Speaker 1: your gifts for the next year. Are very smart. The
Speaker 1: tag look really good on brown paper. Everything was good
Speaker 1: on brown paper. If you see me gifting anything in
Speaker 1: not brown paper, be like, oh wow, she's run out
Speaker 1: of that brown paper, because like, I'm not done here,
Speaker 1: Like I keep using it. I am obsessed. I think
Speaker 1: this hack is genius. That is actually so smart.
Speaker 4: The last tip that I have is a bit of
Speaker 4: a shop back hack that someone shared with us previously,
Speaker 4: and I can't remember who it was, but I think
Speaker 4: it works particularly well for Christmas.
Speaker 1: We're going to get in trouble for sharing this, and
Speaker 1: shot back are gonna come for us and be like
Speaker 1: Jess and Victoria, why are you gaming the system? We
Speaker 1: literally work with you to put us in the best position,
Speaker 1: and you're not though, that's exactly it, Like it's not
Speaker 1: we're not doing anything naughty, but it is. Really We're
Speaker 1: not doing shot back any favors.
Speaker 4: No, well no, But what you can do is if
Speaker 4: you're looking to purchase something from somewhere that maybe isn't
Speaker 4: on shop back, or maybe doesn't have a really high
Speaker 4: amount of cash back, like if it's just didn't it
Speaker 4: like one or two percent, have a look if you
Speaker 4: can purchase a gift card for the same place.
Speaker 1: Because a lot of the time she's smarting.
Speaker 4: Gift cards have the higher percentage back, you get one
Speaker 4: of your calls or target gift cards that more often
Speaker 4: than not can be used at multiple franchises, then fit
Speaker 4: under everything, and then use that to buy gifts. So
Speaker 4: if you're like, oh, I really want this DVD, I
Speaker 4: don't know why DVD is the first thing I thought of.
Speaker 4: They even sell DVD still, I have no idea. Okay,
Speaker 4: you know what, you really want to buy a copy
Speaker 4: of Investing with Shees and the Money.
Speaker 1: Imagine if you said that right off the bat, I
Speaker 1: don't know why I thought of DVD. That's fine, you
Speaker 1: really want a copy of SES on the Money. Investing
Speaker 1: with apparently is better though, So if you see like
Speaker 1: Barbie Swan Lake, pick.
Speaker 4: That up, I'd love a copy your Bobbies like that
Speaker 4: movie pops off back on track? You know you want
Speaker 4: a copy of Investing in Strees of Money or the
Speaker 4: og Shoes of the Money. Maybe a bundle, but you're like, ah,
Speaker 4: the discount on you know, book topa or whatever platform
Speaker 4: isn't as high as I.
Speaker 2: Was like to be.
Speaker 1: Or you want the book Toby a discount right right, right,
Speaker 1: But you don't want to pay for shipping. If you
Speaker 1: have to pay shipping by the gift card, go get.
Speaker 4: In store exactly so you names the system, You've got
Speaker 4: extra cash back, You've got exactly what you want. I
Speaker 4: feel like that's the best stop back and hire us.
Speaker 4: We will continue to make you less money. Have you
Speaker 4: got one last one for MeV before we wrap up?
Speaker 1: I think we've talked a lot just about like buying
Speaker 1: things and presents and gifts, But I also think my
Speaker 1: last hack is actually just quality time, and that's what
Speaker 1: people are you know, I guess missing out on this year.
Speaker 1: It's funny because at the start of this episode we
Speaker 1: said that most people are going to spend more money
Speaker 1: this year than they did last year. But do you
Speaker 1: know why? Quality time? Because we're actually able to see
Speaker 1: people and enjoy their company. And I think that if
Speaker 1: we're all reminded that Christmas isn't necessarily about the stuff
Speaker 1: unless your jests, in which case is very important that
Speaker 1: the stuff is still there. But I think it's really
Speaker 1: important to remember that if it's not in your budget,
Speaker 1: I think that's okay to a really beautiful card or
Speaker 1: a homemade present, or some cookies or something that you've made,
Speaker 1: or even just negotiating not to have any gifts that
Speaker 1: year is also a really beautiful present because from my perspective,
Speaker 1: I'd much prefer to say you to you, Jess, Hey,
Speaker 1: I just don't have it in my budget for Christmas,
Speaker 1: but I'd still love to hang out. Is much better
Speaker 1: than avoiding someone completely and not enjoying their festive season
Speaker 1: at all because you're worried about them expecting a gift
Speaker 1: from you, because I promise no one does.
Speaker 4: No And as someone who is like I would say
Speaker 4: the Queen of Christmas, we're gonna call myself a Queen
Speaker 4: of Christmas.
Speaker 1: I love Christmas, or you the Queen of Christmas. I
Speaker 1: love giving gifts.
Speaker 4: I would not be even one tiny little drop of
Speaker 4: offended if someone said that to me, And I think,
Speaker 4: like that's a shining example, like if you love Christmas
Speaker 4: as much as me, and I would honestly really appreciate
Speaker 4: someone being so honest with me. I don't want anyone
Speaker 4: to ever feel afraid about having those conversations with people,
Speaker 4: because I like.
Speaker 1: No one will mind. The best gift you can give
Speaker 1: people is your love, and exactly it sounds lame, but
Speaker 1: it's so true, and like just I think I'm speaking
Speaker 1: on your behalf here. But I can't imagine if I
Speaker 1: gave you a gift and then later said like, oh,
Speaker 1: I'm really broker. I'm really struggling, how guilty you'd feel
Speaker 1: like you wouldn't feel good about that. Just don't do it.
Speaker 1: Don't stretch yourself beyond what you need to this Christmas,
Speaker 1: and to be honest, it's about the attention that you
Speaker 1: give people. But that's probably a really good place to
Speaker 1: leave it, mister SCRICI I think so. I hope you
Speaker 1: guys enjoyed our Christmas content. Come to Instagram if you
Speaker 1: want more, because I got told there was no more
Speaker 1: room on the podcast, so come to it on the internet.
Speaker 4: Absolutely, there's gonna be lots of fun things happening over
Speaker 4: there where She's on the Money.
Speaker 1: AUS. You can also join us on Facebook.
Speaker 4: Where She's on the Money if you'd like to find
Speaker 4: us and join our group where hundreds of thousands of
Speaker 4: people share tips and tricks every single day. There's been
Speaker 4: lots of great Christmas chat going on.
Speaker 1: I love it, Jess. I think that is a beautiful
Speaker 1: place to leave it. So with that, I hope you
Speaker 1: have a beautiful festive season. However you are celebrating or
Speaker 1: not celebrating, and we will see you on Friday.
Speaker 3: Bye.
Speaker 1: The advice shared on She's on the Money is general
Speaker 1: in nature and does not consider your individual circumstances. She's
Speaker 1: on the Money exists purely for educational purposes and should
Speaker 1: not be relied upon to make an investment or financial decision.
Speaker 1: If you do choose to buy a financial product, read
Speaker 1: the PDS TMD and obtain appropriate financial advice tailored towards
Speaker 1: your needs. Victoria Divine and She's on the Money are
Speaker 1: authorized representatives of Money. Shepper Pty Ltd ABN three two
Speaker 1: one six four nine two seven seven zero eight AFSL
Speaker 1: four five one two eight nine