She's On The Money - She's On The Money Radio Recap: 3 December

Episode Date: December 3, 2022

Welcome to the final She's On the Money Radio Show of the year! Join Victoria and Mitch as they talk retro toys and homewares that fetch a fortune, cheap ways to entertain the kids on the holidays, and some coin saving tips for Super Saver Saturday!Plus this week's Money Dilemma is about pre-nups. Submit your Money Dilemma here.All this and more on today's show.You can catch us live on the KIIS network, or listen to your heart's content via the iHeartRadio app every Saturday from 9am - 10am. See omnystudio.com/listener for privacy information.

On air and iHeartRadio, She's on the Money Radio Show, with Victoria Devine, starts now. Hello and welcome to the She's on the Money Radio Show podcast, the radio show podcast for millennials who want financial freedom. And I'm going to start this one right now by asking Victoria Devine, what's the naughtiest thing you did this year? Oh, wow. Were we really going that far this week? Goodness me.

I don't know. Spending too much on my wedding, probably. Probably. What about you, Mitchie? I had a double cheeseburger the other night at about 11 o'clock and then I had heartburn at like 4 a.m. Wait, is that what we constitute as naughty? In my eyes, yeah.

My doctor wouldn't be happy. Would you like to hear what I did last week then? Yep, go. I have recently found an obsession with bubble tea and I don't want to be without bubble tea at any stage in my life. I get it from Gong Cha. Oh, my gosh. You know what?

Whenever I see that, I always think, Don't you wish your girlfriend was hot like me Do you know what? Now I'm never going to be able to look at you. Gong Cha. Gong Cha. Yeah. Yeah, but I get the QQ Passion Fruit Green Tea with pearls, standard sugar.

I love pearls. Sometimes the minimal sugar, but like the standard pearls and it comes with the like lychee coconut bits, which is elite. Get less ice because then you have more tea. Oh, I order it with no ice at all because it's on Uber Eats and then I just pop it in my fridge and then I put it in my sippy cup later. You're smart. You're very smart.

Thank you, thank you. But do you know how expensive that is to have a newfound obsession with bubble tea when bubble tea is so expensive? Anyway, it's a lot. So if that's what we're constituting as actually naughty, then it is my addiction to bubble tea. No, I actually just love... Don't try to sponsor us.

I love, yeah, please do. I love actually asking kids that because they freak out and they go, oh my God, can Santa hear me? It is the actual best. Well, Santa saw you. So if you did it, like, he already knows, babe. I know, it's the greatest. And can I just say, for those who listened this year, thank you.

I know this is Victoria's community, but our radio show is like a little- No, it's yours too. Everybody's here. We love everybody. Yeah. We love love and we love you. And it's been such a fun year. And thank you for listening, everyone.

This is the last show and the last podcast for 2022. And the thing that I love about- Well, not last podcast. Sorry, last radio podcast. Some of us are working through Christmas and it's not you two Muppets. It's not me. But actually, I'm working all of the hours. Okay, but not with me.

No, not with you. Anyway, I love this. The thing about this podcast, Top, that we do all the time is I've really tried, I think we've all tried and done a very good job of just going, no, we're not going to do our radio thing. We're just going to talk about the things that we actually talk about off air and throw each other. Yeah.

Gongcha. And this is basically it. So it's like a nice little window. Can you imagine if I've been saying that wrong this whole episode? Yeah. No, I think it's right. Gongcha. No, it's right.

Gongcha. Yeah. Okay. That seems pretty self-explanatory. I can still hear the Pussycat Dolls song in my head. It's there. Goncha wish your girlfriend was hot like bubble tea. No, like Goncha.

No, no, no, no, no. Goncha's going to get me some bubble tea. No, stop it. Goncha. Coming in 2023, she's on the Money Show tunes. Hit us up. We are going to be making some cash off that. All right, hey, if you want to save some cash,

we actually had some really great tips. I have so many more tips that I couldn't get through because we obviously have certain amounts of time that we have to screw in the breaks. So definitely check out our socials over the next couple of weeks because I have so many things when it comes to saving and especially saving for kids around Christmas. Like I was talking to one of my school teacher friends

and she said this year she's making her kids a kitchen set up. So you look confused, I get that, but she's been saving like cereal boxes and yoga containers and washing them out and taping them up so the kids are getting a little supermarket of their own with, like, rice bubbles boxes and, like, a yogurt container and stuff so that they can go shopping and play house. How genius is that?

Because that's products you've already had in your house. Yeah, that's awesome. You're a genius. I'm not. It's my community. Sorry. No, it's all right. Don't take credit.

Speaking of things that you've already got in your house, we're also talking about, you know, those toys that you've had as a kid and you're like, oh, my God, these things are actually worth, I can say shit tons here, can't I? Yeah, you can say whatever you want. Shit, no, I'm not going to. It's worth a f*** ton. Mitch Cherry.

I don't beat around the bush here. Sorry, guys. Yeah, you do. There are children who listen in the car to this podcast, and that is quite rude. I mean, we'll leave it, but we'll get Trav to put a beep over that. Yeah, I'll put a beep over that. It's fine.

Sorry, sorry, sorry. No, but, like, they're worth shit tons. Like, Tamagotchis are worth $3,000. And also, you know, sometimes you go, oh, I'd love to buy some Lego. It's my obsession or whatever it is. But, you know, I probably shouldn't. I should probably put it into stocks or something like that.

No, no, no. You should. Lego is your stock. Mate, Lego is your stocks. Smart, smart, smart. This is awful. We're not investing in Lego. Excuse me.

Unless you're out buying shares in Lego. 600 times, 600%, sorry, returns on some Lego sets. Where are you going to get that with your bloody shares, mate? What about the rest of your Lego? Yeah. Oh, no, Trav thought Bitcoin were just Lego coins. The poor thing has been investing in the wrong Bitcoin. I've been investing in those chocolate coins.

Anyway, I love those. Enjoy the show, everyone. Last show. The She's On The Money radio show starts right now. Right across the country for your Saturday morning, it's She's On The Money radio show with Australia's number one finance podcaster in Vogue magazine as well, Victoria Devine sitting over there. Vogue is very cool, but do you know what I want to talk about today?

What? Furbies. Polly Pockets. Furbies, that's that kink, right, that you're into in the bedroom. No, no, no, that's just you. I want to talk about the toys. Oh, the toys. We were talking about this in the songs, guys.

So I was on TikTok and I saw this trend. People were showing the kids' toys because everyone in the US have been back to their parents' homes for Thanksgiving. So a lot of people were going through their old wardrobes, finding their childhood toys, and then Googling them, realised that they're now worth hundreds, if not thousands of dollars. So I actually had this experience a couple of years ago. I remember I went home for a couple of weeks,

my apartment was being renovated, and I went to bed, and I'm not joking, in the middle of the night, I hear, ha, ha, ha, ha, ha, ha, ha. And I thought, there's a poltergeist in the room. No, no, just my childhood tickle me almost, It was still powering through the Duracell batteries. Also, how did those batteries last? Like, shouldn't they have leaked acid by now?

1995 Duracell. Bunny's still going. Anyway, so I pulled it out, and this Tickle Me Elmo, I Googled it, is worth at least $400. $400 for a Tickle Me Elmo. That's $400. Like, I will buy them a dupe version of a Tickle Me Elmo. Totally.

Do you reckon that exists? Yeah, probably. Do they make dupes of toys? It's called Felmo. Oh, yeah, Felmo. It's called Mickle Me Elmo. I also did some more research. I thought, what else is out there that is more expensive than when you could actually

buy it? And you're right, Furby's. So the original Furby in its box, if you haven't opened it and you haven't poured milk into its mouth like I did as a kid, you can get them for $900. That is a money win. So way back in the day when I was in grade nine, I had a casual job at Target and I used to work on the returns desk, which obviously introduced me to a number of colorful people. But that story aside, we one year had someone return a Furby because there used to be a rule where if you had the receipt and the item was unopened, you could return it at any point.

There wasn't like 30 days or 90 days. It was like if you return it. So she returned it with the receipt. It was unopened in the box. So we had to accept it. We gave her her full refund. And then when we scanned the Furby that she returned, five cents. So I bought it.

And so I bought a five cent Furby and it's the biggest money win of my entire life. People around Australia, check your parents' wardrobes. Lastly, Tamagotchis. I can recommend not doing that. You'll find very different toys that will scar you for life. You're not going to find a Furby, my friend. Or if you do, it probably isn't one that's worth $900. You'll find out that your dad tickles your mum like Elmo,

but in a very different way. Stop it! Tamagotchi, just the original Tamagotchi, by the way, which was like $12 back in the 90s, $3,000. Also, of course, the Pokemon cards. You can get upwards of $10,000 for Pokemon cards, as we know. Oh, Pokemon cards made this list. yeah pokemon cards he's not listening a mint condition charizard holo card from the first

edition which would have been way back in like 1993 94 um nah five thousand dollars for one card see i didn't see this coming do you remember when beanie kids were a thing and everybody would go and buy them i used to beg my parents for them and everyone used to say that they would be worth so much in the future and now they're not it's my mom had a princess diana beanie kid it was creepy if anything so i think the moral of the story is check your toys check your cupboards everything when you go to your parents house speaking of parents if you're a parent looking at your kids going oh my god how am i going to entertain you for free we've got you covered next all right mitch do you know what parents love the most they love unsolicited parenting advice

from people who aren't parents yet so that's what the three of us are here to do today and it is coming up to school holidays and in my community lots of people are asking lots of questions about what to do with their kids on school holidays given everyone's feeling the pinch a little bit more when it comes to finances. So today, we are going to talk through a few hot tips that you could take into consideration when trying to plan what to do with your gremlins or children or whatever you actually have it on. Well, it's also like the most expensive time of year to travel. This is when everyone has time off to travel. It's just not fair. It isn't fair. I feel like travel, it's a privilege, absolutely, but it's also going

to be out of some people's budgets this year. Well, listen, I mean, I've got things that will cost you absolutely nothing and this is something that i did last week with my boyfriend we had our four-year anniversary pause for applause you got a boyfriend thank you i had no idea and you held him down for that long i'm so impressed with you what a good looking bloke he is you are you are batting my friend anyway so we had a staycation for our four-year anniversary because we thought no no we did go to a cheap hotel but what we did was we went on um groupon and we got a groupon coupon code for this hotel and then we just had room service and we went for a walk around sydney and we just caught the tram we walked around the cbd we did some black friday shopping

cost us next to nothing and we didn't have to travel anywhere didn't have to get on a boring train or a boring plane drive anywhere we got one 10 minute uber staycation do it this christmas it was so cheap now here's my last little throwaway your budgets are tight you know go to your local museum or an art gallery go get cultured people in your local area there's so much more around you then you know that you can do for free, do a movie day, set up like a mattress. If you've got a tent that you normally go camping with, set that up in the backyard, you know, like just do backyard camping. I like all those ideas, but do you know what I did?

I asked my community what we should be doing with our kids during school holidays. And guess what? I have some very hot tips for you guys that are all free. So first things first, we're going to get a big cardboard box and we're going to tell the kids we're putting together a costume box. and then you're going to go around your house and find items that could go in the costume box. So it could be old jewellery that mum has lying around.

Do you remember those big pearl necklaces from 2005 that cost $5 at Diva? That was an awakening for me. That can go in. You could have purses, bags, coats, a sheet because we all want to dress up as a ghost. As a ghost, yeah. You could put so many things in there and let your kids be creative.

Call your local white goods company. Do you know what they have? Big boxes. Do you know what you can do with big boxes? create cubby houses honestly you could get a fridge box without buying a fridge just by calling someone and what you can do is cut out the holes so it's safe for kids and let them decorate it themselves and have hours of fun and the other thing i want you to think about doing just to make it a little bit more magic for the kids you mentioned before go to the museum or the art

gallery go on canva get a free template for a ticket make up tickets to that free event for your kids and gift them the tickets one morning as if it's some big exciting adventure and they've gotten special tickets or special passes they don't need to know what an exciting idea what an amazing group of people your community is so creative i never would have thought if you have any tips you want to share you can hit us up anytime just search she's on the money anywhere on socials or you might have a money dilemma that you need answered just like kylie has done she's got a dilemma about a prenup this is she's on the money radio show let's do this yeah so every week on the show we bring someone's financial story on air to get victoria's advice on what they should

do uh we call them our cash babies so these are our little cash babies that want to uh get some advice in victoria kylie sent us a dm about a prenup agreement so she says i know she's hi v i'm a little bit rattled my partner approached me recently with the proposition of a prenuptial agreement i try to say that three times we have been together for seven months oh that's early um i believe his parents have encouraged this this is juicy so she says i'm not wealthy he comes from great wealth um the other part of me is offended she says so she understands it but she is offended what should i do should she seek legal advice but she feels guilty if she were to do that how does she speak to the partner about this without turning into an argument wow v ah this is such

a spicy topic and i love talking about it because i actually think prenups are really really important and if his parents have brought it up with him it kind of makes sense they're trying to protect the wealth that they have created and I don't think anyone should be offended in this circumstance in fact I think we need to kind of step back and go wow that would have been a really hard topic or hopefully it should have been a really hard topic for your partner to bring up with you I mean from my perspective it's probably a really good sign that after seven months he's like I really wanted to sign a prenup like I kind of like this yeah I see her sticking around this is going to be a long-term thing it's a compliment absolutely it's a compliment so i wouldn't get

offended i also don't think seeking legal advice is offensive at all because if they're going to put a contract in front of you are you a lawyer do you understand how to read and and respond to that appropriately no absolutely not and if they're putting a prenup in front of you they've already seen a lawyer to put it together so it's only fair that you also get to be on the same page and seek legal advice i would have a chat about how that is going to be paid for do you need to pay for that legal advice? Or if they really want you to sign that, are they happy to pay for you to get independent legal advice so you're not worse off having signed that agreement? Because if you sign that agreement and go and pay a lawyer $1,000 to review that, you're $1,000 worse off

because of a decision that protects them. I would be genuinely asking, okay, are you going to be paying for my legal independent advice so that I can be in the best possible position and you can to. So I think that's a little bit left field. And then I would speak to your partner really pragmatically about it. So put your relationship aside and for a hot second, pretend you are negotiating this for a friend, a friend or maybe your future child that does have wealth. I can see where they're coming from. I can see what that means, but I would genuinely just say, okay, cool. If that's what you want me to sign, where are the pros? Where are the cons? Why would I sign this we're not trying to take someone for 50 of everything that they're worth but we are

trying to make sure that it doesn't put you in a compromised position and that means looking at it from all angles and if possible putting your emotions to the side which i know is harder done than said well also like this works for kylie's scenario but god if your boyfriend or your partner has a ps5 they don't want to lose in the breakup don't sign a goddamn prenup you know like if he's a multi-millionaire living in a mcmansion sign the damn prenup but if i find you cheating on me I'm going to throw your PS5 out of a second-story window, guaranteed. You are savage. You can then keep that in our little divorce.

Guys, let's save some people some money with this. Super Saver Saturday. Yes, for the very last time in 2022, we're doing a Super Saver Saturday. So Victoria gives us some sneaky tips on how to keep more bucks in your bank account. And obviously, Christmas is a very expensive time for a lot of people. So it's very hard to find A, cheap things, A, presents for everyone that doesn't break the bank, and to keep your bloody children and your partners entertained. So V's got a long list.

She looks like Santa Claus. She's been making a list. She's been checking it twice. Excuse me, is that because I grew a beard? That's my hormones. Can we not talk about that on air? Sorry, sorry, sorry. Don't tell Vogue.

Don't tell Vogue. All right, what's in your list? Read some tips. All right, so number one, I found this tip and I thought it was really helpful because coming up to the festive season, we are all run off our feet. And that is, this is not sponsored.

As we've said before, we're just not big enough to have a sponsor. None of this is sponsored. None of this is sponsored. This is just me finding stuff on the internet and going, you know what, I'll share that with my fam. So Woolies actually now has free delivery on groceries when you spend a minimum of 50 bucks. And I can't remember the last time I went to the supermarket during the festive season

and spent less than 50 bucks. So you could organize it all so that on Christmas Day or just before Christmas Day, all your groceries delivered to your house. So you don't need to do that big Christmas shop for free. That's a money win. the second is talk to your family now about having a christmas where you implement a rule where the rule is the gifts have to be homemade handmade or second hand wait explain that wait wait what does that mean so it means that they either have to find a handmade gift which is

harder to find and therefore requires a bit more thought second hand or they have to make it themselves and i feel like that's really wholesome sets expectations so that you know mitch isn't going out and buying me a brand new ps5 and i made a card but also i just think that you get better gifts so last year i made a whole heap of handmade shortbread people love shortbread people do good christmas crack is another one that i am going to be sharing on our social media very soon christmas oh my gosh christmas crack is the best thing kids love it i love it it's basically saladas hear me out a really thick great caramel sauce with melted chocolate on top you break it all up wrap it up and give it as gifts and i promise everyone will be asking you sell it on the street corner and

you don't chew it but um anyway that's i love a good snack well my tip v is um is not as wholesome but this is actually something that everyone can relate to who set up their christmas tree victoria is your tree erected no i don't even have a tree at this point in time but do you know what to all the people who set up their Christmas trees before December, what are you doing? Yeah, I know, it's psychotic behaviour. You are setting the expectations too high and also where are you finding this time?

I completely agree. Well, my one hack and my tip is the biggest pain of the festive season is finally turning on your Christmas tree lights and then having to put your arm around the back of the tree like you twine them up around the tree and the plug is always behind the tree and then you've got to go behind and lean in

and your arm gets pricked by the prickles. Anyway, my hack is $19. That happens to me every single year. Okay, well, get a smart wall outlet plug from Amazon. A pack of two is $19. You plug it in, then you plug your plug in, you connect that to Wi-Fi, and then you can control it from your phone

or if you've got smart speaker integration in your house. So you're saying I can turn my Christmas tree on with a remote? No, with your voice, V. Hey, Siri, hey, Alexa. Can you send me the link? Can you send me the link? I've got so many ideas throughout my entire house. We will talk about this later.

Well, listen, that's us done, isn't it, right? It is. Wrap it up. We are off to be festive. Thank you so much, everybody, for listening. We will be back in 2023. We're going to take a little bit of a short break now over Christmas. Until then, you can catch up with us anytime on socials.

Literally, that's where I'll live. She's on the money. Make sure you stick around, though. Mitch, sure, you're going to do the Life on Cart show next, right? Yes, I'll be around, guys, and I love you both. Thank you for a great year. Have fun. Merry Christmas, friends.

See you guys in a year. Bye.