She's On The Money - Hosting a cost effective Christmas

Episode Date: December 14, 2021

The festive season isn't about how much you spend, it's a about who you spend it with. In this ep G + V chat about the many fun, festive and inexpensive ways you can celebrate on a budget.The advice shared on She’s on The Money is general in nature and does not consider your individual circumstances. She’s on The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. Over the last couple of weeks, we've discussed the 12 saves of Christmas as well as sustainable gifting. And today, we want to talk about how you can host a cost-effective Christmas. Genius. Genius. My name is Georgia King, and joining me as always for yet another jolly episode

is financial advisor, Victoria Devine. V, I'm so excited about this. I know you are. If you thought there were too many Christmas episodes, you're wrong. There's no such thing. The limit does not exist. This is our last one though, isn't it? Oh, is it? Three. Okay. Yeah, we've done three. Don't get too excited. Three is probably where we need to be. That'll do it. Three is the magic number I've heard. Well, yeah, that's it. That's it. V, you are quite the host. I've heard the rumors about your watermelon margaritas along the journey. You've told me about this. You mean you watched me an Instagram story? Well, that's it. Have you had my watermelon

margaritas? Oh, that's unlucky. Come on over, babes. I've heard really good things, but you've also told me about that amazing fish dish that you make. Oh my gosh. That goes off. Yeah. People are obsessed with it. Okay. So first things first, watermelon margaritas, they're red, garnish them with mint. It's very festive. That's festive. Yeah. We'll post that in the group this week. And then also the fish dish, everybody I've told about this recipe is always like, oh, cool. Thanks. And then they make it and they call me and they're like, Victoria, this is actually amazing. So it's baked fish, right? Is this what this episode is going to become? It's just like Victoria's cooking show. You ready? All right. Well, I told you last episode that it's rustic.

This is also rustic. It's like more thrown together, the better. You get a jar of red curry paste. You get a can of coconut milk and some desiccated coconut. So like shredded coconut. Incredible. You mix those things together because that's what makes the paste. So it'll be like quite thick. You don't put all of the coconut milk in. You just like put a little bit. So it's a creamy red curry you pack it on top of fish or tofu or chicken and then you put it in like a foil container that you've made so you like wrap it in foil and seal it at the top so you've got like maybe some salmon and then you're like red curry paste on top bake the fish your house is going to smell amazing two people think it's like a real fancy fish but then three you can just put like

real quick rice with it maybe some greens on the side and you come out looking like master chef I mean George at Chin Chin they definitely make the curry paste from scratch and they like bake it in a banana leaf and all of this other fancy stuff but I'm telling you everybody who has had my salmon recipe is always like Victoria that was like the best hack ever everybody writes home about it do you want to get into the episode though we should we should that was a little bit of a digression I'll put that festive fish recipe into the Facebook group this week as well, because everybody needs it. So, I mean, the moral of this tangent is that you're quite the entertainer and you're also- Oh, and I'll also give all my recipes away,

evidently. Exactly, exactly. But you're also good at money. Oh, am I? Because you're a financial advisor and an entertainer guru. Look, I'm good at telling people what to do with money, but given my current spending habits in the lead up to Christmas, you probably wouldn't say, oh, that girl, she's good at money. Faye, do you think that there is an added pressure at Christmas time when it comes to entertaining to like really up the ante and make those events extra special? I feel like there absolutely is. And I feel that pressure as well. I'm not saying it's pressure. I think you just want to make it really special for other people. You really want everybody else to have a really beautiful time. And from my perspective, sometimes that is about

making a really pretty Christmas table or by putting out a tablecloth when you don't usually do that or having like Christmas crackers on the table like I'm someone who adores entertaining and for me that just that makes it Christmas in a way so yeah I think that we want to up the ante but it does increase the price well that's it I wanted to ask you how we actually figure out how much we should be spending on these special days like obviously we need to set out our budget and know exactly how much we can spend and try not to spend over that. How do you suggest that we kind of make that really clear in our mind before we go ahead with our planning? So financial advisor Victoria says probably don't spend extra on things that are unnecessary. Like

don't go out and buy, you know, festive napkins. Don't go out and buy things that you're only going to use once and then potentially throw away. I'm not saying don't do these things if they spark your joy. But from my perspective, I have tried over the years to be really thrifty with what I'm purchasing. So at Christmas time, I don't have different placemats and napkins. I just have white ones. Yes, they're material ones because you have to be fancy. But I bought a pack of 12 bells, like, you know, those little gold ones that hang on your Christmas tree, George? Yeah, gorgeous. So I bought those and I use the Christmas decorations as the like tie for the napkin.

and I do that every year. So like they're already in my house. Like I'm not going to use something I don't have. Amazing. I also every year go for a little bit of a wander on Christmas morning and drag back some gum leaves and stuff like that and decorate my Christmas table with that. So I do try to be quite thrifty, but it's really stressful when it comes to maybe you hosting Christmas for the first time or you feeling like there's additional pressure to actually making something festive. But from my perspective, it's not about buying something that is festive. It's about maybe using what you have and giving people a really cute experience. So kind of, you could almost like map out what you already have to provide and then things that

you'll need to buy and then kind of create a list of your spending limits. Yeah. And like thinking about what you could potentially use that you have at home, but also what's feasible. Everybody has different budgets. We're not all in the same financial position and there's literally nothing worse than stressing out about what we're going to have to buy. So if it's not in the budget to have decorations, just don't have them. I promise nobody's going to walk in and be like, oh gee, I cannot believe that you have not got festive napkins. Nobody cares. They're just excited to have your company. This is pressure that you're putting on yourself. Nobody else is going to expect it. But I think when it comes to working

out what our budgets are, we really need to work backwards. So going, okay, what is the total I'm going to spend on this? How much money can I allocate towards this? And breaking it down from there. Because if you go, oh, I've got 30 bucks on this, 20 bucks on that, it's all going to add up really quickly and you won't notice that you've already gone over your budget really quickly. Yeah. Okay. So start from the end. I like that. Start from the end. It sounds counterintuitive, but I promise you it is not. It's the smartest way to budget for anything. Love it. Okay. So for today's episode, it's a little bit of a different structure. I've shaken it up a little bit. Oh, fancy lady. So we're going to move

effortlessly through the various elements of a party celebration, a Christmas shindig, if you will. Are you coming to my house for Christmas, G? You are more than welcome, by the way. I want some of that salmon in the watermelon mug stole. But Vy, as we move through these different elements, I want you to kind of explain how we can keep our costs down as well as minimizing waste, kind of going back to what we spoke about last week to make sure that that's still really front of mind. So, I wanted to start with the feng shui. Oh, I don't know if I have feng shui at my Christmas table, G. Well, you already said that you've got the little bells on the napkins from home. So, you're already one step ahead of me. Look, there's a very big

difference between feng shui and styling, but you know what? We'll call it whatever you want. I'm locking them all into the same stunning bucket. So, talk to me about feng shui slash styling. Okay. So, important thing is obviously like making a little bit festive. If you can, I would suggest using an old tablecloth or borrowing one from a relative or mates or looking at op shops. I'm telling you right now, they have so many good linens that nobody is appreciating. They often have literal linen that is really expensive. I adore linen. Same. I have just recently got the I love linen sheets. Which ones? I love linen. I got the white sheets with the clay colored bedspread. I'm obsessed. It is so pretty. Anyway, I'm just obsessed with linen.

But if you buy linen sheets, you know they are one worth the investment, but two not the cheapest investment. Worth it, but not cheap. So op shops are a really great place for picking up things like napkins and tablecloths, but also you could just do a little bit of a dupe and use a white sheet. Like no one is going to notice, I promise you. And how many people here in Australia don't even use the flat sheet. They just use the fitted sheet with their doonas because they're psychos, G. I am counted in that little group of psychos. Do you use a sheet? Who doesn't use it? Like I just thought, I just thought everybody used a sheet, but apparently it's not a thing. And people just put their sheets in their cupboards. Like why buy a sheet set then? Why would they sell

you a sheet set with like a flat sheet if you guys aren't going to use it? I didn't know they did that. I just buy my base sheet from like Kmart and then have I love linen on top. It's a weird fusion. Anyway, V, let's move on to from sheet chat, sheet chat. But anyway, you can use a sheet instead of a tablecloth. And I think that's really smart because I reckon some people listening are going to be like, you're right. I have a flat sheet. I've never used. Multitasking. We love it. Brilliant. Brilliant. So that's your base. Where do you go from there? I think have fun with your cutlery and plates, leaving space in the middle for dishes to be placed. So I think that when you're setting the table, actually putting out your cutlery and your

dinner plates and stuff like that can make it look more fancy without you having to buy stuff. And when you like style it properly, you can look up some inspirational photos, but when you style it properly, you'll have your glasses up the top and it'll just look really fancy already. And then you can leave like space in the middle and you can put down like your serving plates. And if you're a bit like me, you can go for a walk and pick up some native plants or some gum leaves or some trees from your area, or maybe you're actually just going and picking flowers from your garden, but you can pop them on the table and they will look really rustic and cute and organic. And I really like that. Like often I much prefer that vibe than like, here's

a beautiful style door kid. Like, I don't know, just feels nice. That vibe is very in right now, I feel. Yeah, exactly. It's in, but also Victoria likes it. So obviously that's really important. Oh, for sure. For sure. The V to give approval. Oh my gosh. Don't even. And what are your thoughts on like having a matching set, a matching dining set, I guess V? I mean, that's a pretty privileged thing to have. Like I... I definitely don't. We have three plates that are the same and the rest are... I'm very lucky in that I purchased plates semi-recently and now they match, but historically they didn't. But I think that's eclectic. That's cute. We're going to keep going with that vibe. At least we've got plates, hey? Well, that's it. That is it. And if you want some

more matching ones, up shop. I promise you the amount of good quality stuff people throw out, it baffles me. Yeah. And then you can find more unique quirky things as well. Just a little recommendation here that I did pop in the newsletter relatively recently. There's a girl on Instagram called Pasta Mama. I actually don't know what her real name is, but she's- That's her name. She's a queen and she has these incredible pasta nights in like Melbourne and Byron Bay. Very chic, very cool. But she has the most incredible table setups. So I have a little perv. Yeah. She's just, yeah, she's very stylish, but it's like, it's quite chaotic.

I love chaos. And nothing is like matches. It's great. So that's hot inspo. Another one is actually Studio George. So, Studio G-E-O-R-G, no E like our George on the show, no E on George, but she's an interior designer and does lots of like flat lays and very, very cute table settings. She's also in the She's On The Money community and has been for a very long time because, you know, I don't think she'll be mad about me saying this. She's one of my clients, but her stuff is gorgeous and I literally draw all over it and she always posts like cute, eclectic flowers. She's very good at buying op shop vases. Like I'm all about it. So if you want

to check out her, her name is George. So she's obviously a very good egg, but it's George without an E on the end. Heaven, we'll pop both of those in our show notes. Avi, the next little tip here that's a part of the feng shui package bucket thing that I've created is music. This is kind of random. I'm not going to lie about it, but if you don't have a speaker, ask your mate. I feel like a lot of people have those cute little ue boom things ask them to bring them along oh look someone somewhere is going to have a bluetooth speaker i think that's one of the hottest tips of the day actually george is asking other people what to bring if you don't have it if you don't have enough plates ask someone to bring some if you don't have enough forks ask someone to bring

some i promise you people are gonna be like yeah george no problems i'll pop them in my bag as i come. Like, you don't have to buy new stuff just to have a celebration. People are going to be really happy to bring it. And I would be like, hey, George, have you got a Bluetooth speaker? And you'd be like, yeah, I'll steal my dad's on the way out. Sweet. No problem. Otherwise, you can just borrow your mom's CD player and crank those Michael Bublé albums as loud as they'll go, really. Oh, gotcha. Everyone's welcome to borrow my Michael Bublé at Christmas. So good. What's your favorite track? It's actually been a while since you've recommended michael buble in the newsletter i know i actually miss him i hope as well you miss him i miss the

boob what a what a lovely man so nice what a charming all right moving on okay so i wanted to ask you about lighting v obviously we've got the ones that are connected to our homes yeah but how can we how can we make it cost effective and like chic and fitting in with the cool feng shui that we've created in every other aspect, G King. She's gone blank. What? I didn't even know I was going to be asked about lighting as a really important part of Christmas because that's not something I'm thinking about. Honestly, I'll just turn the lights on. In saying that, I have my Christmas fairy lights that I bring out every year and usually they end up in a million different places. So, if I've got people coming over, they might be in a tree out the back. If I've got

people coming over and we're not going outside, I might put them on the Christmas tree as extra. like fairy lights are very, very good. Also tea lights are very, very cute. You can pop them in mason jars or in little cups or literally old teacups from the op shop. I'm, it sounds like I'm sponsored by op shops these days. Honestly, I wouldn't be mad about it, but I am not because teacups with candles in them are very cute. They throw very festive, very chic energy around. I feel like Georgia King. Anyway, you can always buy fairy lights online or even those candles that don't actually burn. They're just lights. So they're essentially never ending, which is very good. But essentially, we love. But what I would be doing if I was looking for some new

lights is just popping on eBay and having a look if they have them because you're arguably going to get a really good deal on there. So I would recommend looking at those things before you buy brand new ones. Love it. What are your thoughts on a Christmas tree, V? Because some people are going to say they're essential for my party. It needs to look festive in here. What's a Christmas party without a Christmas tree? I don't know. Do people say that? Not sure. Am I going to sound like a terrible person by saying I have a plastic Christmas tree here? No. I've had it for the last like seven years. It probably, it's probably about time to get a new

one. But I bring that baby out each and every single year and I adore it. But people love real Christmas trees. And I guess the good news there is they are arguably better for the environment than plastic ones well they're better because they grow in the ground oh my god thank you for that contribution no but like obviously their emissions are minimal when they're like putting out more they're putting out oxygen and stuff for us so that's really good i'm actually so embarrassed that i just said that on the podcast i'm not i'm not embarrassed i think that's actually quite funny but i get really upset after christmas about how many christmas trees i see on the nature strip like not being yeah it just feels like yeah it just feels like an expensive tip trip to dispose

of them as well but I think this segment is actually a really good place for me to bring up my mum again because she is the queen of Christmas trees there have been a million different Christmas trees in my family historically one time she got a giant gum tree branch we went to the beach she stuck it in the stand and put decorations on it she was like kids that's the Christmas tree. And I was like, great, no problems. Another time she got an old piece of corrugated iron and she cut out a Christmas tree shape and spray painted it all silver so it didn't look crusty. We called that the Christmas tree that year. Another time she got a branch and stuck it in an old terracotta pot and filled it full of plaster of Paris. Like it was literally just a

branch, no leaves, nothing. Filled it full of plaster of Paris and then spray painted the whole thing. And we put our decorations on that, that year. There've been another time where she literally like made one out of, I can't even remember what it was. I think it looked like a basket, but it wasn't because she'd made it. It was wild. Anyway, my mum, she's so crafty is Jude. Judy is the queen of craft and I really appreciate it. I lack the creativity she possesses, but I've seen people get really creative with their houseplants. Like just use your fiddle leaf fig. Oh, for sure. Put some decorations on that. And various other houseplants are obviously going to work really well. I reckon a bird of paradise would look absolutely chic

with a few decorations hanging off it. They are a festive plant, that's for sure. Yeah, exactly. But I don't think everyone needs a Christmas tree that's shaped like a Christmas tree. It's more about the vibe and coming together. And I also think it's kind of a talking point if you found a really big branch out on a walk one day and said, I dragged that all the way home and it became my Christmas tree. I just really like that because it's just making the most of the things that we have around us. I mean, when I say drag a branch home, I don't mean steal it from somebody else's front yard. But maybe have a think about how you could be creative this Christmas because if having a real tree isn't for you, you could probably find something that's

alternative. But if you do want to buy a plastic one, I genuinely would consider buying a more expensive, better quality one that you'll have for years or that you could sell on eBay or something after if your preferences change or you decide later on that you do want a real tree. Because I know the Christmas tree that I have, I actually bought on eBay ages ago because it was on sale and I couldn't afford the real one. I think it was like a David Jones tree or something and someone had bought it and I bought it after Christmas and had to wait an entire year before being able to use it. But I reckon, gee, if I chucked that on eBay today, it would still sell because she's in good condition. I'm telling you right now. Well, that's what we love about Christmas trees is

they're timeless, especially the plastic ones. They're not going anywhere. I still love her. She's not going on eBay anytime soon, but if you're looking for a tree, maybe you could find one the same way I did. Stunning. Let's go for a break. Let's go to a break. What do you reckon? Let's do it. See you on the other side, guys. Vicky D, food is the next piece of this stunning puzzle. What are your suggestions for keeping costs down on that front? I feel like it probably is the most expensive element that we're going to be faced with. Food is always the most expensive element yeah food and alcohol alcohol always adds up especially if you're expected to take a bottle of wine to every single event you go to and then I don't mean to sound selfish when I'm saying this

because I'm absolutely not meaning it to be selfish if it's a gift obviously you're going to leave it there but if you're just buying booze to take to a party like say gee where you go to a barbecue and you go out in the backyard and you chuck your booze into the esky with everybody else's and then you leave most of us don't pick up the booze to go home with no I feel like you can't. Then it's like left at the person's house. Yeah. I just, I feel like it's a social faux pas to take things home that you brought to somebody else's house. I'm not saying you can't. I'm not saying you shouldn't. I just. Oh, for sure. For sure. You can't, you just can't. Yeah. Like you can, but you can't. No. So I just, I feel like that adds up, right? Yeah. But as I said earlier,

ask people to bring stuff, ask people to bring a plate. Gee, we touched on this in our 12 saves of Christmas episode. No one expects you to whip up a three-course meal for 20 different people. So, ask that everybody brings a little something that they can plonk on the table when they arrive. Something that my family does as well. I feel like my family is going to listen to this episode, if they even still listen to my podcast. They're going to listen to this episode and be like, V, stop talking about us. Like, we are done. Stop sharing everything about our Christmas. We don't like you talking about us. But on Steve's side of the family, we always pick a theme, and I love it. So a couple of years ago, we had Mexican Christmas where everyone got given a dish

that they had to bring. So like we had entree, somebody else had main, someone had sides, but they all had to be Mexican themed. And I thought that was really fun. So why not pick a theme for Christmas? Why do we have to be traditional about it? Because then we can go, all right, well, this year we're going South American and we bring different things that ultimately are all going to go together because they're from a very similar cuisine. So that worked really well. Also, Kohl's magazines. What about them? I'm obsessed with them. Have you seen the recipes they give you? Have you seen how good they are? They actually are full of epic recipes. They are free at checkout. Like this isn't sponsored by Kohl's. I've never even spoken

to the team at Kohl's. But oh my gosh, their Christmas magazines are so good and free. And every time I flip through them, I'm like, ooft, ooft, ooft. I love that. Like it makes me want to cook. So, if you're a bit stumped of what to bring to Christmas, next time you're at the checkout, I don't know if Woolies do it, surely they do something similar. Yeah, they would, they would. But next time you're at the checkout, have a bit of a peruse, see if the free mag is there because I guarantee it's got a better trifle recipe than your Nana's G. Yeah, that is a hot tip. That's a hot tip. You know, I only realized quite recently that like the reason that Kohl's produced those magazines is so that you buy the brands in the store. Like the brands would

definitely pay to be in that magazine right that makes sense i haven't really i just thought they did they're not just like generous helping us out they're like five more roast chickens oh okay us just like running along like yeah well let's move away from coles because do you know who our favorites are obviously because we've worked with them before but we're also like massive stans of aldi aldi yeah aldi cheese platters. If you're going somewhere, put your $25 limit on yourself, go make an Aldi cheese platter. Again, not sponsored, just good. But they do make cheese and stuff like that so much more affordable. And I feel like cheese platters or charcuterie boards, as they're called,

are really expensive to put together. And I always feel a bit of a pang when people are like, oh, V, could you just bring like a cheese platter or something? You're like, oh, oh, that's the expensive one. Yeah. Yeah. Oh, for sure. So annoying. But if you go to Aldi, you can whack one together for much cheaper. And I feel like that's a money win. And it's quality. It is quality. Look how many brand shout outs are getting given in this episode, Jay. That's true, mate. You should have partnered. You should have partnered up. They're not paying us for this. We're just very generous this festive season. Let's move on to booze now, Vicky D. You did hint earlier that that is maybe as expensive

as food, if not more, how do we make this more economical at this time? I feel like there's a few cheeky tips and tricks here. One of them is cocktails. And I know that that sounds more expensive, but if you make up a big batch, so say you're making sangria, you can do this, you can use a cheaper alcohol and it tends to go further than just a bottle of wine. Yeah. So if you've been asked to bring something, you could make up a cheeky vat, is that the right word of like sangria or like my watermelon margaritas which I know I talk about a lot but that's because when I'm entertaining I'll usually do like a cocktail because it's actually more economical to feed everybody that comes to my house a watermelon than it is to feed them

straight tequila I'm telling you that right now but also you can just use the cheapest tequila because it's like watermelon is 90% sugar anyway. So you can't actually taste it as much as you could taste it if you were like drinking just a mixer, like a gin and tonic or something where you're kind of like, oh, I may as well buy the nicer gin because like you can taste it, right? I'm not saying that that's a good thing. Obviously, we all should probably be considering cutting down our booze intake because it's better for us. But we could also, if we are still drinking and we are thinking about what we can take, Jay, you and I, we're fans of Lemuel. Oh, we've shared a couple of glasses once or twice, haven't we, V?

The stunning, stunning rosé from Aldi. And they also have a whole selection of other booze that is arguably very affordable and very delicious. And for the people who have messaged me being like, oh, I'd never buy Aldi wine. Yes, you should. They win awards. They win literal awards. Like Lemuel rosé is one of the only rosés I like, and I'm not a rosé drinker. So I feel like that says a lot. Yeah, exactly right. So, I had this little idea, V. Tell me if you think it's a goodie. All right. What is it? So, you ask everyone to bring with them their own ingredients for a different style of cocktail. So, for example, you could be on the watermelon mark. So, you bring your watermelon and cheap tequila. Yeah, I like that. I'll be on the pina coladas. So, I'll buy the

pineapple, the coconut. Oh, I love a good pina colada. Precisely. And then we've got variety and it's fun. Everyone has a little turn at the bar making their version of the drink. Like that's fun, right? I actually think that's around. Yeah. I also think that at Christmas time, if you're going to go out for a meal, we should be trying to find places that do BYO. That's a good idea. It's like, if you're going to go out for dinner, let's find the Thai place that lets you take a bottle of wine with you. That's a money win because you can just take 100%. Just take it from Audi. It's portable. It goes where you go. Anyway, let's move on to gifts, George, because I feel like we are starting to sound like stingers. It's probably because we

are, but like, I just don't want to give that idea out too often, you know? Agreed, agreed. Okay, V, so what would you say are the best ways of keeping the cost down when it comes to gifts? Okay, I have written down two ideas here. The first is one you have heard from me before, And the reason I'm telling you again is because I know you haven't done anything about it, G. Organize a KK. Obviously, buying for everybody is going to add up. So, I suggest using a KK to keep the prices down. So, if you've got like a Christmas party coming up and you're like, oh my gosh, I'm going to this big friend Christmas party. Everybody's buying everybody gifts or I'm going to my family's place for Christmas. Float the idea in group chat and be like, hey, should

we do KK this year, there are literal websites that do it for free and allocate it all out. So, you don't even have to do the hard work of matching people. It'll keep the costs down. You will be more sustainable in your gifting because one, you're buying one thing, but two, you're now spending slightly more on a better quality present, but you're still saving money, which we like. And obviously, at Christmas time, saving money is priority from me, obviously. Definitely, definitely. The second one, controversial. Controversial? In what way?

Because it's about re-gifting. So, okay. So, bear with me, G. I feel like this is like controversial, not controversial. If you've been getting around and having a few Christmas parties or having a few people over for drinks or doing a lot of festive things this year, more than likely your friends or family have brought bottles of booze or flowers or chocolates as a thank you for hosting, which is stunning. I love it. But don't be afraid to re-gift those items if you've got other events like the next day that you might be attending, because it's better for the environment and it saves you. And I feel like, and this might be again, another controversial opinion,

gee, when somebody gifts you something, it's like the thought and the actual action. From my perspective, it's not necessarily about the item having a lasting presence in your life. and I know that that's probably not the way everybody else thinks, but the item has served its purpose when it was gifted to you. So say I gave you like a jewelry box, G, and I was like, hey G, here's this jewelry box you unwrap. You're like, wow V, thank you so much. That gift has served its purpose. Like you felt valued. You felt like you were thought of. You knew I picked that just for you. So that gift, according to Victoria, has served the purpose that it was intended to. like I gifted you something you felt really nice about it then take a step back and George you're

looking at it going wow really beautiful jewelry box I already have a jewelry box I don't need another jewelry box yes it's beautiful but that gift has actually served its purpose I don't think I would ever be mad if I found out that somebody re-gifted something yes it might be you going far out I bloody hate this present I'm gonna gift it to somebody else but I would like to think of it in a bit of a reframed way where you liked that present enough to not donate it to charity because it was bad and you just needed to get rid of it because you'd never gift it to a friend or family member. But you were like, wow, I have a jewelry box. Here's this beautiful one that I think my friend Jessica would adore. Like, I just feel like that served its purpose and it's okay to

re-gift things. I know that not everybody is going to be with me on that, but I just think it's more sustainable. I think it's a really smart thing to do. And I also just feel like when we give gifts it's not so georgia king has the jewelry box forever if that makes sense what happened though v so you i gave you the jewelry box no i gave you a jewelry box sorry okay sorry you gave me the jewelry box i was like oh not to my taste but you know who will love this jess merry christmas jess here's the jewelry box you go to jess's house and you're like hey jess oh god oh i've seen that before oh god that's the jewelry box i gave george then you think I'm a Rudy patootie. I mean, you've actually got to be smart about it. I think that it just

gets a bit savage if you're re-gifting things because you genuinely don't like them. You've got to go, all right, why would I gift a present I don't like to somebody else? That just seems a bit rude from my perspective, but I'm very much about a gift serving a purpose. So if I gave you a jewelry box and you already had one, gifting it to somebody else, I don't think is offensive in the slightest, but I think it's all about the semantics of it as well. Like you wouldn't be like, hey, thanks. I use that as a present for someone else. I think you've just got to have a little bit of now. And obviously at some point, George, I'm going to go to Jess's house. So probably not the perfect person to re-gift that to, but a friend that I don't know, I'm none the

wiser. It served a purpose for me. I felt really good giving you a gift and it served a purpose for you, you didn't have to purchase a gift. Right. Brilliant. Winner. Controversial. The perfect place to leave it today. I'll say myself out. If anybody's offended by that, look, I get it. But I just genuinely think when people give gifts, it's about the thought that counts. It's not about the item being in somebody else's possession forever. And how do we, yeah. Anyway, I'm going to wrap it there. We are done. What do you reckon, George? We are done. We are done. I do. I would love to hear from our community though, to see how they keep the costs down when it comes to entertaining at Christmas time as well. So I'm

thinking maybe I'll pop a little thread in the group today. I'll make a note of that to make sure that I don't forget. Please do. Also, can you ask them about re-gifting? Can you just put a sneaky, tell us your worst re-gifting story? Worst re-gifting? Oh yeah. I reckon they wouldn't worst re-gifting story. I just feel like that'll go off. Anyway, we are done here. I'm about to see myself out because apparently my opinions are probably not that kosher so see you next week guys but just before we head off we'd like to acknowledge and pay respect to Australia's Aboriginal and Torres Strait Islander peoples they're the traditional custodians of the lands the waterways and the skies all across Australia we thank you for sharing and for caring for the

land on which we are able to learn we pay our respects to elders past and present and we share our friendship and our kindness and remember guys that the advice shared on she's on the money is general in nature and does not consider your individual circumstances she's on the money exists purely for educational purposes and should not be relied upon to make an investment or a financial decision and we promise victoria divine is an authorized representative of australia pacific funds management proprietary limited abn 34132436 oh no sorry 463 when will she get it Right, 463-257-AFSL-339-151. And Merry Christmas, everyone.

Oh, my gosh, Merry Christmas, but also, gee, reading that out, how many watermelon mugs have you had? I need to go to sleep. We'll see ourselves out. All right, bye, guys. Bye.