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Speaker 1: She's on the Money Radio Show.

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Speaker 2: With Victoria Divine. Now.

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Speaker 3: Hello, welcome to the She's on the Money Radio Show podcast,

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Speaker 3: The radio show podcast for millennials who want financial freedom.

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Speaker 4: Help me, I want financial freedom?

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Speaker 1: You can have it, congratulations.

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Speaker 5: Do you want some to apparently have been given away?

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Speaker 5: Throw some my way? You know what I realized, guys,

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Speaker 5: what's that funny? We are broadcasting and attracting three different generations. Here,

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Speaker 5: Victoria's a millennial.

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Speaker 4: Here, we got my mum listens to the show.

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Speaker 3: You've ruined his burn mate, he's gonna say that I

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Speaker 3: am Victoria.

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Speaker 6: I set you up, all right, so we can laugh

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Speaker 6: at trav guys, you ruin it.

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Speaker 3: Here's what we're going to do, all right, because we're

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Speaker 3: going to no, no, We're going to do point for

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Speaker 3: she is beautiful. Let's do an edit point here and

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Speaker 3: when we go live to where guys, it will sound fantasmic.

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Speaker 2: TRAVI, it's not worth it.

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Speaker 6: That's such a gen boomer thing to say.

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Speaker 1: On TikTok.

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Speaker 5: Recently, they're talking about the millennial break, which is that

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Speaker 5: when you're watching video content online the older generations, which

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Speaker 5: I falled into and I didn't realize I do this.

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Speaker 5: If they post video content, there's like a half a

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Speaker 5: second before they actually start filming because they're waiting for

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Speaker 5: the camera to turn on gen zs they just go

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Speaker 5: straight into it because they're way better than us. And

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Speaker 5: I was attending a webinar the other day on how

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Speaker 5: to be better at creating video content and they said

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Speaker 5: edit that breakout and I was like.

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Speaker 4: Oh, I didn't. I don't have that. What are you

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Speaker 4: talking about?

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Speaker 5: Reviewed all my videos definitely have it so great I'm old.

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Speaker 3: You know. The funny thing is it's when you actually

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Speaker 3: have those glasses just over the point of your nose

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Speaker 3: there and you're like, is the camera on yet?

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Speaker 6: No?

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Speaker 4: No, no. I love that.

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Speaker 5: It's the authentic part of me. I don't usually go

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Speaker 5: on camera with my glasses. Can you talk about that?

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Speaker 1: Sorry? Mate?

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Speaker 3: Hey, what we can talk about is saving people money,

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Speaker 3: which we did on the show.

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Speaker 5: I feel like this episode was really good. We had

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Speaker 5: some good callers, but all of the money wins that

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Speaker 5: I'm like, hey, here's some super Savor Saturday tips. They're

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Speaker 5: just basically me telling you how bad I am at

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Speaker 5: money and giving you three tips that I need to implement.

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Speaker 5: So it's all good. It's all good, but like it's

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Speaker 5: very self deprecating.

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Speaker 3: So anyway, she's on the money radio community. If you

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Speaker 3: could please jump online to socials and give us your

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Speaker 3: tips so it's not all about Victoria next.

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Speaker 5: S Reuly, I can't be the only one that's getting

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Speaker 5: a little bit lax with their financial goals at the

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Speaker 5: end of the year. I feel like I'm falling off

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Speaker 5: the train.

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Speaker 4: But sol a lot of people.

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Speaker 6: So I was going to say the same thing. Yeah,

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Speaker 6: everyone's the same bee that.

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Speaker 4: Was only around the corner, isn't it scary?

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Speaker 7: Yeah?

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Speaker 1: That was one of your tips, though, is like getting

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Speaker 1: on the train?

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Speaker 5: No, it wasn't. It absolutely wasn't. But Junozin came out

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Speaker 5: the other day. They're selling Christmas trees already, no doubt.

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Speaker 5: Advent Calendar's already for sale. Christmas decorations. There are the

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Speaker 5: front dancing Santa's. You can pick one up really easily.

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Speaker 3: Now, see, as soon as Halloween is finished, then it

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Speaker 3: is all on like Donkey Kong.

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Speaker 5: Okay, but Halloween is not done. It's not even Halloween yet,

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Speaker 5: and the Christmas stuff is out. Is that what's meant

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Speaker 5: to be scary?

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Speaker 4: They're like coming to Kenymart. This Christmas stuff and it's Halloween.

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Speaker 4: This is as scary as hell.

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Speaker 3: And the funny thing is it's for Christmas twenty twenty three, Victoria,

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Speaker 3: All that shit is already all right, let's get into

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Speaker 3: a guy's that she's on the Money radio show starts

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Speaker 3: right now, pushing play.

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Speaker 6: Oh god, that's such a movie thing to say, pressing

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Speaker 6: play on my recorder?

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Speaker 2: Right, mald did you.

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Speaker 3: Ever tape songs off the radio and then get annoyed

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Speaker 3: when the radio DJ's Mitch would like sing you like,

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Speaker 3: stop it, I'm trying to hear this song.

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Speaker 4: Yeah, or they'd like watermark their songs.

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Speaker 1: Godcha.

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Speaker 2: Also, this is still in the show right. Our producer

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Speaker 2: just barged in, we were done.

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Speaker 5: Mel, get out, were trying to do a radio shot.

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Speaker 1: Well you're not even important, mate, stop it.

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Speaker 2: Don't say that, mel mn Oh god, thank you.

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Speaker 6: And you know what, Mel, I'm your witness also agree.

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Speaker 1: What a pity? This just accidentally got edited out.

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Speaker 4: No it didn't, No, it didn't.

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Speaker 1: Show starts now.

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Speaker 6: I think we're having a very adult conversation now, and

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Speaker 6: we talk about it, aren't we. Yeah, finance is a

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Speaker 6: very adult conversation. But v were showing you something on

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Speaker 6: her phone in a hidden folder, and v I'll let

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Speaker 6: you take it from here.

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Speaker 2: Because those photos were revealing it.

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Speaker 4: I wasn't going to tell anybody in that calculator app.

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Speaker 4: Is that not what we're talking.

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Speaker 1: About, Surete? If that's okay?

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Speaker 5: So of course I have written a book about it.

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Speaker 5: Our mates are doing it. It feels like everyone's doing it.

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Speaker 5: Today we are going to be talking about investing. Obviously

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Speaker 5: I didn't write a book about cryptocurrency investing, but we're

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Speaker 5: going to talk about it today because it seems like

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Speaker 5: every man, his dog and celebrity is investing in cryptocurrency

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Speaker 5: or being sued for posting cryptocurrency.

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Speaker 4: Yes programs on the internet.

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Speaker 5: It just seems like a spicy topic we should cover,

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Speaker 5: and I mean anything to get Kim Kardashian on the show.

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Speaker 3: I guess like so many people are out there, They're

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Speaker 3: throwing around like.

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Speaker 1: Oh, you've got to invest in crypto.

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Speaker 3: But Mitchie and I are always trying to press you

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Speaker 3: for you know, all these investing tips for the show.

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Speaker 1: That's really for us, So what kind of stuff?

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Speaker 5: I already knew it was for you because you never

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Speaker 5: ask on air. You're always like after you, Oh, can

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Speaker 5: we pay for your coffee after the show?

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Speaker 2: Yeah?

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Speaker 4: So what is your investment portfolio made up of?

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Speaker 6: We winds, a lot of easy shoes and designer balanc

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Speaker 6: Yagger bags. That's a good investment, right, same mind's mate, Chanel.

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Speaker 3: We pay for that coffee with money we make from

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Speaker 3: your investing advice mates.

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Speaker 4: So what are so welcome?

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Speaker 1: What are we investing in?

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Speaker 3: What's something that our listeners and our community can actually

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Speaker 3: invest in that's going to make an actual money.

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Speaker 5: You can invest in literally anything, And I mean it

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Speaker 5: would be a breach of the ACIC guidelines for me

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Speaker 5: to say, oh, this is the thing that you can

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Speaker 5: invest in. But it's one of those things that it's

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Speaker 5: different for everybody. It could be you investing in having

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Speaker 5: a good emergency fund, because I think that that's my

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Speaker 5: number one rule of life. Every single person, regardless of

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Speaker 5: who you are or what you do, you need an

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Speaker 5: emergency fund.

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Speaker 6: What do you mean, like like a little wad of

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Speaker 6: cash in case you have a carbing or you get sick.

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Speaker 5: Yeah, a little bit of casholer off to the side,

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Speaker 5: and it's kind of like a fund that gets you

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Speaker 5: out of jail.

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Speaker 4: It's like they get out of jail free card.

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Speaker 5: In an where you know, if you find yourself in

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Speaker 5: a little bit of a pickle, you can just whip

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Speaker 5: it out and be like.

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Speaker 4: Ha, ha ha, how much you had me?

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Speaker 2: How much?

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Speaker 4: It really depends.

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Speaker 5: So if you're a UNI student, you're still at home

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Speaker 5: and you don't have like that many overheads, maybe five.

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Speaker 4: Hundred bucks stashed to the side is more than sufficient.

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Speaker 5: But if you're a mum of two and you're currently

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Speaker 5: driving the kids to footy practice, and you've got a mortgage,

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Speaker 5: and you've got a couple of cars on the road,

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Speaker 5: and you're a single income household, well that's going to

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Speaker 5: look really different, right. But let's get some rules in place,

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Speaker 5: because I feel like guidelines are very helpful. And if

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Speaker 5: you don't have an emergency fund or you're wondering where

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Speaker 5: do I start, I would say with about three months

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Speaker 5: worth of expenses. So when I say three months worth

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Speaker 5: of expenses, we're not talking about your savings or your investments.

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Speaker 5: We're just talking about what would it cost to keep

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Speaker 5: the roof over your head and all your bills paid

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Speaker 5: and your mortgage on track and everything else in line,

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Speaker 5: so that if something did happen you are covered.

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Speaker 3: And I remember you were telling us a few months

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Speaker 3: ago that it's as easy as taking that extra money

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Speaker 3: every single month or whatever is from your salary after

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Speaker 3: your expenses and put that away, because that's not free money.

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Speaker 1: Like Mitch Cheery thinks.

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Speaker 5: No such thing as free money. We put every single

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Speaker 5: dollar we earn to work.

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Speaker 2: No, no, no free money.

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Speaker 6: You know, when you're driving your car and you go

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Speaker 6: to Macas and you put your hand in between the

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Speaker 6: seat and like the cup holders, and you find a

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Speaker 6: two dollar coin, that's my free money, No free money,

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Speaker 6: free money, that was your money'd out of the blue.

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Speaker 5: It's free money, okay, But like you know what's more

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Speaker 5: free money when you download the macas app and actually

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Speaker 5: use that to get free food, so you didn't have

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Speaker 5: to use the two dollar coin.

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Speaker 1: Yes, yes, yes, not sponsored.

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Speaker 5: It's actually not sponsored. I just love a Maca's diet coke,

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Speaker 5: you know. But it's amazing how investing is so accessible now,

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Speaker 5: because I feel like historically there's just been this misconception

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Speaker 5: that investing is only for the rich, right, and like

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Speaker 5: twenty years ago, if you wanted to go into like

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Speaker 5: a managed fund or something fancy like that, it might

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Speaker 5: have cost you twenty thousand dollars to break into that.

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Speaker 5: But now, I mean this is a shameless plug for

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Speaker 5: a client I've worked with, but absolutely not a shameless

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Speaker 5: paid plug.

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Speaker 4: Shares is right.

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Speaker 5: It is an investment app that you can just download

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Speaker 5: and you can invest in fractions of shares instead of

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Speaker 5: having to buy the whole share, which you know might

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Speaker 5: be out of budget or might not be aligned.

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Speaker 4: To your values.

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Speaker 5: At this point, you can buy like a fraction of

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Speaker 5: it and you can invest on their platform in heaps

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Speaker 5: of stuff you can, So.

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Speaker 2: It's a share of a share.

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Speaker 4: It's a share of a shares.

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Speaker 5: Why they're called chezis go figure. But also you can

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Speaker 5: invest with as little as one sense. So investing nowadays

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Speaker 5: is not unaccessible like in fact, I can't make it

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Speaker 5: more accessible.

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Speaker 4: That's the lowest of the.

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Speaker 3: Low All right, let's do this thirty one to six five.

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Speaker 3: What have you invested in that's given you a little

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Speaker 3: bit of a win? We just want to steal some

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Speaker 3: tips for us. Let's be honest. But it could be

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Speaker 3: you know something that you stumbled onto like a chas ease, you.

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Speaker 5: Know anything, or is it actually investing apps? Because I

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Speaker 5: bought a dress a while ago.

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Speaker 3: No, no good, it's different.

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Speaker 4: Let me finish.

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Speaker 5: I bought it, it was on sale at the shop.

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Speaker 5: I wore it to my event and then I had

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Speaker 5: every intention of selling it on Facebook Marketplace.

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Speaker 4: But before I did that, I looked up what others

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Speaker 4: were selling it for. Sold it for more than what

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Speaker 4: I paid for it. Got to wear the dress.

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Speaker 1: Fantastic, Like good investment. Like those people that.

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Speaker 3: Go to yard sales and like scan the little thing

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Speaker 3: and go, oh my god, this is three bucks, but

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Speaker 3: it's actually fifteen hundred bucks in real life. That's me either.

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Speaker 3: But that's the kind of stuff we want to hear. Wins,

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Speaker 3: even losses, even if you're like, absolutely.

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Speaker 4: Talk to us about your investment.

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Speaker 1: Let's do it. Thirty one oh six y five, going

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Speaker 1: to take your calls.

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Speaker 3: Next it's She's on the Money radio show with Australia's

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Speaker 3: number one finance podcast and Mitschury.

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Speaker 1: No, it's I just wanted to free.

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Speaker 2: Well, Victoria, you know I did talk about cash. It

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Speaker 2: was money cash, you know, the gold coins of a chocolate.

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Speaker 1: I did speak about that.

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Speaker 2: So maybe I am a finance podcast.

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Speaker 4: I'm getting married soon.

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Speaker 5: Maybe that can be the BOMBANNERI I just give everyone

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Speaker 5: a gold calls chocolate coins, Eddie.

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Speaker 2: Or Victoria, no one knows what a bombay?

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Speaker 1: I was going to say, what the hell is that?

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Speaker 5: I'm going to continue not to know because that wasn't

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Speaker 5: in the budget for my wedding.

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Speaker 6: No one's smashing plates as well, is there?

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Speaker 2: Okay?

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Speaker 5: I'm doing like I'm not even having a wedding cake.

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Speaker 5: What a waste of money, Tory.

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Speaker 6: Instead of a flower girl, you're gonna have a little

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Speaker 6: girl with gold.

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Speaker 4: Just throwingly crown. Hear me out, I'm having a flower dog,

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Speaker 4: my dog.

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Speaker 3: You are.

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Speaker 2: I love it.

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Speaker 3: Hey, if Lucy goes out of control starts smashing stuff up,

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Speaker 3: it's going to be okay because she's on the money

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Speaker 3: radio shows brought to you thanks to Budget Direct winner

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Speaker 3: a can Stars Insurer of the Year Award twenty twenty two.

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Speaker 1: Budget Direct Insurance.

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Speaker 3: Sold talking about investment wins and losses here guy.

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Speaker 6: Yeah, we want to know your investment wins or losses

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Speaker 6: because it can be a tricky thing, right, Victoria. You

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Speaker 6: think it's easy, but there's say laws involved, and there's

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Speaker 6: a like you put a lot of money in and

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Speaker 6: there's even bigger losses. So thirteen one oh sixty five.

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Speaker 6: I think we've got back on the line. You've got

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Speaker 6: a story, Hey.

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Speaker 7: Back, okay. My investing story sort of happened about six

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Speaker 7: months into COVID, where, like a lot of people, I

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Speaker 7: was worried about my small business and the effects of

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Speaker 7: all the restrictions I was going to have on that.

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Speaker 7: And I did have a bit of savings. I'd sold

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Speaker 7: a property and an opportunity came up to get involved

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Speaker 7: in a sector that I'd never been involved with before,

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Speaker 7: which was a health food store. So I actually invested

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Speaker 7: all of my savings and became a twenty five percent

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Speaker 7: owner in health fridge store.

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Speaker 8: Took a risk and yeah, so.

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Speaker 7: Far earning about one thousand dollars a week passive income

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Speaker 7: and in four days time about to open the second one.

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Speaker 1: Look at.

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Speaker 4: Oh my gosh, what is this company called?

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Speaker 5: So we can give you a little sneaky plus.

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Speaker 7: Well, we're actually based in Queensland and it's the Tweed

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Speaker 7: health food store that was.

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Speaker 2: And I love Tweed. Tweet's a great little area.

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Speaker 1: It's a little beach.

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Speaker 7: Yes really it really is.

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Speaker 6: This snapper I love that place, right, So that's just

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Speaker 6: called to humble, brag and get a free plug.

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Speaker 2: That is like I.

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Speaker 7: Am bragging here, but no so far it's definitely a win.

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Speaker 5: And money's all about bragging and I brag about you too.

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Speaker 3: I love it all right, Russell's given us call th

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Speaker 3: when six five mate? What is your investment win or loss?

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Speaker 8: Oh? Look, I've had an eventful sort of a few years.

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Speaker 8: It's the end in my career. I think being an

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Speaker 8: AFL player is sort of get a little bit extra

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Speaker 8: and they get more now, I might add than when

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Speaker 8: I was playing.

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Speaker 5: We're talking about bragging on the shows to cash AFL

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Speaker 5: player calling up to let us know that he's an AFLR.

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Speaker 5: What did you invest in apart from your footy career?

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Speaker 8: I was kind of lucky at the end of my career.

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Speaker 8: I had a mate who had a really great idea

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Speaker 8: of concept for an app. It's called team App, which

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Speaker 8: was really in the early days, an idea around creating

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Speaker 8: a social Facebook type thing for each club, something that

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Speaker 8: they could call their own.

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Speaker 4: That's massive.

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Speaker 5: My partner us is that Good Olds and Kevin's Old

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Speaker 5: Boys soccer club.

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Speaker 4: Yeah, no, they kill it.

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Speaker 1: So you put some of your cash into that, Russell, Yeah,

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Speaker 1: put some.

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Speaker 8: Money in and look, it was a real It's not

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Speaker 8: small amounts of cash. When you're creating something that's kind

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Speaker 8: of decent on in the app space, you've got to

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Speaker 8: be willing to throw some money behind it. We did

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Speaker 8: that and we sold.

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Speaker 1: So really thanks.

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Speaker 3: It's nice to know that our community are making some money,

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Speaker 3: and probably off of the advice of one Victoria Devine.

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Speaker 1: I'd say I think that's right.

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Speaker 3: Speaking of making money, though, coming up next, we've got

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Speaker 3: a money dilemma. George just hit us up at she's

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Speaker 3: on the Money on socials, which you can do as well.

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Speaker 3: She wants to buy an investment property, I believe, and

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Speaker 3: she wants to know all the ins and outs. Victoria

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Speaker 3: up for that.

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Speaker 4: I am always up for that.

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Speaker 5: I love talking about investing in a holiday home and

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Speaker 5: I want to know more about it.

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Speaker 4: To be honest, I get.

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Speaker 5: Real pervy when people start to about property. I'm like,

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Speaker 5: you got the domain link or not?

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Speaker 2: This is She's on the Money radio show.

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Speaker 1: Let's do this.

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Speaker 2: Yeah. Every week.

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Speaker 6: What we do is we bring someone's financial story on

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Speaker 6: air a listener or part of that she's on the

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Speaker 6: Money community and they get Victoria's advice on what they

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Speaker 6: should do. So Georgia has sent us a DM about

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Speaker 6: investing on a holiday house and how to go about it,

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Speaker 6: which would be a very daunting thing. So she says,

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Speaker 6: hi Ve, I really want to look into investing in

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Speaker 6: a whole day home. The cost of traveler is crazy

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Speaker 6: right now, and I feel my money will be best

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Speaker 6: used by giving us a place to escape to. I'm

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Speaker 6: concerned about this because the inconsistency and interest rate hikes,

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Speaker 6: as well as talk of a recession looming. Is it

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Speaker 6: the right thing to be doing? What does a feasible

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Speaker 6: yield on investment property? Fancy words? And how would you

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Speaker 6: structure the loan? Like would you do an interest or

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Speaker 6: self managed super fun? Lots of questions? What do we think?

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Speaker 5: Well, first things first, No, we would not do a

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Speaker 5: self managed super fund.

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Speaker 4: One out of ten cannot recommend.

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Speaker 5: Every accountant driving in their car right now is furiously

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Speaker 5: shaking their pay Why don't put all your money in

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Speaker 5: one investment class? It's also really really regulated nowadays. But

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Speaker 5: let's get back to the investment property slash holiday home vibe.

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Speaker 5: I feel like so many people are doing that now,

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Speaker 5: But what I would do is all the research first.

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Speaker 5: So not only have you said I think my money

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Speaker 5: would be best used there. Okay, no worries. I can't

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Speaker 5: tell you that's not the case because I don't know

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Speaker 5: your personal circumstances. But what I can you to do is,

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Speaker 5: if you're planning on leasing it out, like if it's

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Speaker 5: a holiday home just for you and your family, look

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Speaker 5: at what those mortgage repayments would be and whether that's

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Speaker 5: actually something you want to outlay, because obviously, with rising

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Speaker 5: rate increases over time, like that might be more expensive

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Speaker 5: than you're anticipating. I would also talk to a mortgage

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Speaker 5: broker and actually get the numbers because it is actually

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Speaker 5: a different interest rate for whether it is owner occupied

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Speaker 5: which means you live there, or it's an investment property.

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Speaker 5: So obviously subtle plug for Zella money. Obviously, the best

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Speaker 5: mortgage brokers in the entire year of those.

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Speaker 3: Guys, they got me three million dollars and I don't

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Speaker 3: even earn any money.

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Speaker 4: That's not even true. But that's okay.

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Speaker 5: If you have the income to support it, I will

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Speaker 5: get you your three million dollars, but do a little

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Speaker 5: bit of sneaky research. So one thing that I talk

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Speaker 5: to a lot of clients about, or used to talk

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Speaker 5: to a lot of clients about is jumping on Airbnb

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Speaker 5: looking at like vacancy rates and how much they lease

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Speaker 5: for over busy periods. So if you want to be

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Speaker 5: sneaky about it, you could buy this holiday home to

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Speaker 5: use in maybe off periods, but you might end up

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Speaker 5: making bangco like Christmas and New Year's And I know

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Speaker 5: that might be the period of time that you want

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Speaker 5: to use it, but we also want to pay off

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Speaker 5: that mortgage. So Airbnb might be the place to start

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Speaker 5: when it comes to actually working out. All right, if

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Speaker 5: this is going to be a holiday home that we

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Speaker 5: then lease out and making actual investment, not just a

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Speaker 5: property that we sit on. You can have a look

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Speaker 5: at the area and what other properties are there, because

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Speaker 5: you're kind of having a look at the competition in

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Speaker 5: a way. And if you find out that they're, oh

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Speaker 5: my gosh, there's a massive saturation of apartments in that

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Speaker 5: area and they all look super swanky. But all I

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Speaker 5: can afford is a two bedroom, not renovated place, Maybe

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Speaker 5: that's not the stream you want to go down because

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Speaker 5: you might not be getting the rental yield that you're expecting.

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Speaker 5: It also really depends, I mean, you did say obviously,

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Speaker 5: I feel like my money would be best used by

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Speaker 5: giving us a place to escape to, or what does

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Speaker 5: that actually cost and what's the trade off there? Because

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Speaker 5: as much as it sounds so romantic and honestly a

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Speaker 5: little bit sexy to be like, oh, let's go down

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Speaker 5: to the holiday house mortgage, your payments are a lot

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Speaker 5: and nowadays with the rising cost of property, average property

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Speaker 5: in Melbourne cities a million dollars obviously probably not looking

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Speaker 5: at that much for a holiday house. But we'll get

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Speaker 5: your payments for a million dollars are sitting at about

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Speaker 5: five to seven thousand dollars a month. If you're in

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Speaker 5: that circumstance and you're just paying that off as an investment,

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Speaker 5: is it actually better to just say five to seven

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Speaker 5: thousand dollars and go on a holiday and then put

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Speaker 5: your money into something else that might be a better

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Speaker 5: use of time, energy and effort, Like you really just

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Speaker 5: need to do the cost benefit analysis and from my perspective,

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Speaker 5: take a bit of the emotion out of it to

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Speaker 5: make the best financial decision for you and your family.

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Speaker 3: So, if you are looking though to airbnbt out though,

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Speaker 3: what kind of money is like a good yield, Well, it.

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Speaker 5: Really depends on what your purchase price is, right, So

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Speaker 5: they say that on average, when you're looking at property,

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Speaker 5: you kind of want about five percent yield. That's the

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Speaker 5: old school rules. Obviously, now with interest rates increasing, it's

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Speaker 5: very unlikely that you might get a yield of five percent.

447
00:17:51,080 --> 00:17:52,320
Speaker 4: But there can be anything.

448
00:17:52,400 --> 00:17:56,159
Speaker 5: Honestly, it could be a really beautiful home in the

449
00:17:56,200 --> 00:18:00,000
Speaker 5: Sticks that cost you like three hundred grand to buy,

450
00:17:59,680 --> 00:18:02,600
Speaker 5: but because it's not got any other Airbnbs in the area,

451
00:18:02,800 --> 00:18:05,480
Speaker 5: you're renting it out for six hundred bucks. And yeah, yeah,

452
00:18:05,520 --> 00:18:08,040
Speaker 5: Like there are so many different ways to get into

453
00:18:08,080 --> 00:18:10,680
Speaker 5: this and pick a property. But as I said, I'd

454
00:18:10,680 --> 00:18:13,119
Speaker 5: really use Airbnb to do a bit more research and

455
00:18:13,200 --> 00:18:16,360
Speaker 5: see one vacancy rates too, what are people charging per night?

456
00:18:16,560 --> 00:18:19,080
Speaker 5: But also what are the people who are renting in

457
00:18:19,119 --> 00:18:23,399
Speaker 5: that area's expectations? Like are the properties really boring and

458
00:18:23,480 --> 00:18:26,720
Speaker 5: playing or are they like mega mansions and they come.

459
00:18:26,560 --> 00:18:27,119
Speaker 4: With a butler?

460
00:18:27,280 --> 00:18:30,000
Speaker 5: Like what are the expectations of the people renting these

461
00:18:30,000 --> 00:18:33,600
Speaker 5: properties that would make your property quite attractive to lease?

462
00:18:33,880 --> 00:18:34,560
Speaker 1: Amazing advice.

463
00:18:34,560 --> 00:18:36,320
Speaker 3: All right, if you've got a money Jaalamma, you've got

464
00:18:36,320 --> 00:18:38,280
Speaker 3: a question for us, just hit us up at She's

465
00:18:38,320 --> 00:18:42,320
Speaker 3: on the money on any socials.

466
00:18:40,760 --> 00:18:42,719
Speaker 2: Simper save a Saturday all right.

467
00:18:42,760 --> 00:18:44,879
Speaker 6: Every week Victoria tries her best to give us some

468
00:18:44,920 --> 00:18:47,199
Speaker 6: sneaky tips on how to keep more bucks in your

469
00:18:47,240 --> 00:18:51,000
Speaker 6: bank account. Quickly, Victoria, I did say before, you know,

470
00:18:51,040 --> 00:18:52,760
Speaker 6: when you put your hand in between the car seat

471
00:18:52,880 --> 00:18:55,000
Speaker 6: and like the cup holes in you and you find

472
00:18:55,040 --> 00:18:57,639
Speaker 6: cash that money with, that's free money, and that is

473
00:18:57,680 --> 00:18:58,320
Speaker 6: a money tip.

474
00:18:58,440 --> 00:18:59,720
Speaker 2: Sorry, that is it even going.

475
00:18:59,680 --> 00:19:02,880
Speaker 5: To keep talking about this? Okay, download your Maca's app

476
00:19:03,240 --> 00:19:04,360
Speaker 5: and use that instead.

477
00:19:04,880 --> 00:19:06,359
Speaker 2: Exactly is that a tip? Or is that? Is that

478
00:19:06,440 --> 00:19:07,440
Speaker 2: just an extra AdLib one?

479
00:19:07,520 --> 00:19:09,240
Speaker 5: It's just an extra ad lib one? But I also

480
00:19:09,600 --> 00:19:12,520
Speaker 5: who has cash anymore? Like I cannot remember the last

481
00:19:12,560 --> 00:19:15,960
Speaker 5: time I had coins that could fall down the car seat?

482
00:19:16,080 --> 00:19:16,920
Speaker 4: So what are you doing?

483
00:19:16,960 --> 00:19:18,879
Speaker 5: Do you just get your envelopes out each week and

484
00:19:18,920 --> 00:19:20,000
Speaker 5: popp all your money in there?

485
00:19:20,040 --> 00:19:22,640
Speaker 2: And no, I don't give us some tips some real time.

486
00:19:22,800 --> 00:19:25,520
Speaker 5: Look, this week I really racked my brain. But I

487
00:19:25,560 --> 00:19:28,080
Speaker 5: feel like I've been really naughty. And it's not even

488
00:19:28,080 --> 00:19:29,679
Speaker 5: this week. It's over the last few months. I've been

489
00:19:29,720 --> 00:19:32,119
Speaker 5: slipping a little bit. So the tips I've got are

490
00:19:32,200 --> 00:19:35,439
Speaker 5: just like gentle reminders for the one and only me,

491
00:19:36,000 --> 00:19:37,560
Speaker 5: but also I feel like if I share them on

492
00:19:37,600 --> 00:19:41,119
Speaker 5: the show, I'm making myself accountable. But then also maybe

493
00:19:41,160 --> 00:19:43,199
Speaker 5: you guys need a little sneaky reminder too.

494
00:19:43,720 --> 00:19:46,879
Speaker 4: So the first thing, my first tip is, Victoria.

495
00:19:46,400 --> 00:19:50,240
Speaker 5: Devine, use public transport or ride your bike. I don't

496
00:19:50,280 --> 00:19:52,639
Speaker 5: have a bike, but ride your scooter or whatever you've got.

497
00:19:52,960 --> 00:19:56,280
Speaker 5: Because parking, now that COVID is done and dusted and

498
00:19:56,320 --> 00:19:58,400
Speaker 5: everyone seems to be dry, it's been going up.

499
00:19:58,840 --> 00:19:59,960
Speaker 4: Like I drove into.

500
00:19:59,760 --> 00:20:02,200
Speaker 5: This the other day, and like, if I'm here, there

501
00:20:02,240 --> 00:20:04,679
Speaker 5: and everywhere, and I'm you know, needing to drive to meetings,

502
00:20:04,720 --> 00:20:07,040
Speaker 5: I do have to pay city parking. Usually that's like

503
00:20:07,160 --> 00:20:09,840
Speaker 5: twenty to twenty five dollars, which is an absolute stooge

504
00:20:09,880 --> 00:20:12,480
Speaker 5: to begin with. Where my office is located, they've gone up.

505
00:20:12,520 --> 00:20:14,400
Speaker 5: Do you know how much it is to park beside

506
00:20:14,480 --> 00:20:15,320
Speaker 5: my office now?

507
00:20:15,440 --> 00:20:16,040
Speaker 1: Thirty bucks?

508
00:20:16,200 --> 00:20:17,720
Speaker 4: Nope, it is thirty eight dollars.

509
00:20:18,400 --> 00:20:19,480
Speaker 2: See what's the point?

510
00:20:19,680 --> 00:20:22,440
Speaker 5: I actually just don't understand anyway, So I'm gonna have

511
00:20:22,480 --> 00:20:24,399
Speaker 5: to start using public transport. It's kind of hard to

512
00:20:24,400 --> 00:20:26,000
Speaker 5: take the dog to work when you're on the train.

513
00:20:26,160 --> 00:20:29,160
Speaker 5: But the next tip, this is all about me today.

514
00:20:29,200 --> 00:20:30,280
Speaker 5: I do apologize.

515
00:20:30,400 --> 00:20:31,080
Speaker 2: It's your show.

516
00:20:31,440 --> 00:20:33,000
Speaker 4: I've been so naughty.

517
00:20:32,640 --> 00:20:35,560
Speaker 5: On uber eats, all right, Mitch Cheery, Oh, I feel like, yeah,

518
00:20:35,560 --> 00:20:38,040
Speaker 5: I feel like when we started this radio show, it was,

519
00:20:38,119 --> 00:20:40,360
Speaker 5: oh my gosh, Mitch Cheery spent what was at metch.

520
00:20:40,400 --> 00:20:45,040
Speaker 5: I haven't forgotten ten thousand dollars on uber eats and

521
00:20:45,880 --> 00:20:49,080
Speaker 5: in a year, and I just feel like it.

522
00:20:49,080 --> 00:20:51,600
Speaker 4: Really starts to creep up on you. Hey, Like it

523
00:20:51,800 --> 00:20:52,800
Speaker 4: just is one of those things.

524
00:20:52,840 --> 00:20:54,439
Speaker 5: I've got a lot going on, so I'm just like

525
00:20:54,480 --> 00:20:55,840
Speaker 5: trying to make this sound better.

526
00:20:56,000 --> 00:20:57,880
Speaker 4: I've got work, I've got life.

527
00:20:57,640 --> 00:20:59,760
Speaker 5: I'm planning a wedding, I'm about to you know. All

528
00:20:59,840 --> 00:21:02,320
Speaker 5: of that means that sometimes I'm like, oh, Steve, do

529
00:21:02,320 --> 00:21:04,480
Speaker 5: you just want to get a cheeky luxA? And we do,

530
00:21:04,680 --> 00:21:06,760
Speaker 5: and I just feel a bit guilty at the moment.

531
00:21:07,119 --> 00:21:09,240
Speaker 5: And so this is my reminder to get a few

532
00:21:09,240 --> 00:21:12,159
Speaker 5: more freezer meals or fridge meals in the fridge so

533
00:21:12,200 --> 00:21:13,480
Speaker 5: I can actually keep.

534
00:21:13,320 --> 00:21:13,840
Speaker 4: On top of that.

535
00:21:13,920 --> 00:21:16,720
Speaker 3: Yeah, this is not a cheeky plug at all. Definitely

536
00:21:16,720 --> 00:21:18,920
Speaker 3: not sponsored. But during COVID, because they didn't want to

537
00:21:18,960 --> 00:21:20,960
Speaker 3: go down to the supermarkets, I got.

538
00:21:21,119 --> 00:21:24,000
Speaker 4: Dinnery oh yeah, yeah.

539
00:21:23,520 --> 00:21:24,560
Speaker 1: Real cheap that one.

540
00:21:24,600 --> 00:21:26,960
Speaker 3: And the thing is they take twenty minutes to cook,

541
00:21:27,480 --> 00:21:29,560
Speaker 3: so you know what you're having for dinner every single day,

542
00:21:29,640 --> 00:21:31,040
Speaker 3: and you kind of forced to have it because it's

543
00:21:31,040 --> 00:21:32,000
Speaker 3: going to go off otherwise.

544
00:21:32,080 --> 00:21:34,560
Speaker 5: So yeah, oh, can I do a cheeky plug. I'm

545
00:21:34,600 --> 00:21:37,000
Speaker 5: actually working with Marley Spoon at the moment, which I'm

546
00:21:37,160 --> 00:21:40,080
Speaker 5: super stoked about because obviously they're great, but I used

547
00:21:40,080 --> 00:21:40,920
Speaker 5: to be their biggest fan.

548
00:21:41,080 --> 00:21:42,600
Speaker 4: Like I looked at their social stuff.

549
00:21:42,640 --> 00:21:47,000
Speaker 5: I've been tagging them in my my Masterpieces since twenty seventeen,

550
00:21:47,440 --> 00:21:49,360
Speaker 5: and it's only now that I've got a radio show

551
00:21:49,400 --> 00:21:49,840
Speaker 5: that they.

552
00:21:49,720 --> 00:21:51,200
Speaker 1: Reply, oh classic Marley.

553
00:21:51,280 --> 00:21:53,800
Speaker 4: So honestly, they're giving my community. They're going to love

554
00:21:53,840 --> 00:21:54,320
Speaker 4: this plug.

555
00:21:54,680 --> 00:21:57,520
Speaker 5: One ninety five off their first four boxes by using

556
00:21:57,520 --> 00:21:59,440
Speaker 5: the code Victoria ten out of ten. If you want

557
00:21:59,440 --> 00:22:02,280
Speaker 5: to try, Marley Spoon give you nearly two hundred bucks

558
00:22:02,320 --> 00:22:03,240
Speaker 5: off your grocery bill.

559
00:22:03,240 --> 00:22:05,280
Speaker 3: What a money We in not just giving us money,

560
00:22:05,280 --> 00:22:06,760
Speaker 3: you're actually giving us food, Victoria.

561
00:22:06,920 --> 00:22:10,000
Speaker 5: Honestly, that's not a paid plug. Again, our radio show

562
00:22:10,080 --> 00:22:12,080
Speaker 5: is not big enough for that many paid plugs. I

563
00:22:12,160 --> 00:22:14,000
Speaker 5: just shared things I love, and to be honest, that

564
00:22:14,119 --> 00:22:16,040
Speaker 5: is why I agreed to it so quickly. I was like,

565
00:22:16,080 --> 00:22:17,199
Speaker 5: you know, what I need to get back on the

566
00:22:17,200 --> 00:22:20,240
Speaker 5: Mali train because I have not been cooking at home

567
00:22:20,359 --> 00:22:22,280
Speaker 5: enough and this kind of forces you down there with

568
00:22:22,280 --> 00:22:23,400
Speaker 5: food you actually want to cook.

569
00:22:23,440 --> 00:22:24,720
Speaker 1: You know what I got for this afternoon?

570
00:22:24,720 --> 00:22:25,200
Speaker 5: What have you got?

571
00:22:25,200 --> 00:22:26,399
Speaker 1: A little chicken cash you?

572
00:22:26,840 --> 00:22:28,240
Speaker 4: Oh, you're so fancy.

573
00:22:28,600 --> 00:22:32,160
Speaker 5: I'm just gonna eat more Fredo Frogs honestly, and then

574
00:22:32,200 --> 00:22:34,400
Speaker 5: the next tier. But I've been making sure that I'm

575
00:22:34,400 --> 00:22:36,320
Speaker 5: putting my health first, and I've been going to the.

576
00:22:36,320 --> 00:22:38,720
Speaker 1: Doctor with a fretdo frogs good one?

577
00:22:38,720 --> 00:22:38,960
Speaker 2: Mate?

578
00:22:39,040 --> 00:22:40,679
Speaker 4: Oh look balance Trav.

579
00:22:41,040 --> 00:22:43,440
Speaker 5: But I have been going to the doctor recently just

580
00:22:43,480 --> 00:22:45,880
Speaker 5: to like do check ups, make sure I'm aokay, pick

581
00:22:45,920 --> 00:22:47,000
Speaker 5: up some new scripts.

582
00:22:47,080 --> 00:22:47,720
Speaker 4: Bulk billing.

583
00:22:47,960 --> 00:22:50,840
Speaker 6: Yeah, my GP. Oh he's fantastic. And he's one of

584
00:22:50,880 --> 00:22:53,000
Speaker 6: those old school gps that still has jelly beans.

585
00:22:53,200 --> 00:22:54,160
Speaker 1: I love that.

586
00:22:54,680 --> 00:22:56,560
Speaker 6: I just want to say, and I'm not coping, Victoria,

587
00:22:56,560 --> 00:22:59,080
Speaker 6: but if you go to this local GP end quote Mitch,

588
00:22:59,200 --> 00:23:02,520
Speaker 6: you'll get ten percent off your vaccinations.

589
00:23:02,520 --> 00:23:05,600
Speaker 3: And also a free jelly bean. You get a free

590
00:23:05,920 --> 00:23:07,200
Speaker 3: are you getting paid in jelly bean's?

591
00:23:07,200 --> 00:23:08,600
Speaker 1: Mitch? Sure is what's going on here?

592
00:23:08,680 --> 00:23:10,720
Speaker 2: Let's go, guys. It's been a great show. Time to

593
00:23:10,720 --> 00:23:11,080
Speaker 2: wrap her.

594
00:23:11,160 --> 00:23:13,120
Speaker 1: If you've got a tip, you can hit us up anytime.

595
00:23:13,240 --> 00:23:13,560
Speaker 1: Just search.

596
00:23:13,640 --> 00:23:16,280
Speaker 3: She's on the Money on Socials. Yes, we are going

597
00:23:16,359 --> 00:23:18,000
Speaker 3: to get out of here, Mitch. You've got to stick around.

598
00:23:18,040 --> 00:23:22,720
Speaker 3: You are joining the Live Uncut radio show with Laura Fern.

599
00:23:22,840 --> 00:23:24,359
Speaker 1: I think every week.

600
00:23:24,480 --> 00:23:27,680
Speaker 6: It's not like it's Laura Burn, Britney Hockley. I love

601
00:23:27,760 --> 00:23:29,360
Speaker 6: them not as much as I love you too, though.

602
00:23:29,359 --> 00:23:31,040
Speaker 6: It's been a great week. It's been really good to

603
00:23:31,400 --> 00:23:33,680
Speaker 6: be back guys, and on all socials at Mitch Jury.

604
00:23:33,760 --> 00:23:36,080
Speaker 6: Slide into the DMS and let me know how much

605
00:23:36,119 --> 00:23:37,400
Speaker 6: you miss me. Thank you so much.

606
00:23:37,560 --> 00:23:40,239
Speaker 3: Victoria's just tuned out. She's checking her phone right now.

607
00:23:40,880 --> 00:23:42,600
Speaker 1: She has that is coming up next.

608
00:23:42,680 --> 00:23:44,520
Speaker 3: This has been She's on the Money radio show for

609
00:23:44,560 --> 00:23:45,320
Speaker 3: your Saturday morning