March 29, 2026 • 41 mins
Prices are going up.
Food prices are up, and will keep going up alongside fuel. Practically any goods that travel by land air or ocean to get to you will become increasingly unaffordable for the foreseeable future.
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Speaker 1 (00:05):
You're listening to the Weekend Collective podcast from news Talks
at bab beg are you human?
Speaker 2 (00:32):
Be?
Speaker 1 (00:32):
No one who's one of the things. Well, you can
wring anybout this papagain, what's want sis? It's away not trouble.
Speaker 2 (00:44):
When you live in yen couple, sob you donna do
and the world don't open us back?
Speaker 3 (00:56):
Sobody does not do, but nobody.
Speaker 1 (00:59):
Wants to booth with you. Welcome back to the Weekend
(01:20):
Collective and if you have just joined us, welcome back.
Otherwise sorry, welcome in. If you have just joined us, otherwise,
welcome back. This is this hour is called smart Money
and we want your calls. We love you to join
the conversation on eight hundred and eighty ten eighty. You
can text nine to nine two and look, we want
to dig into, dig into God. I wish I wouldn't
(01:42):
speak in such cliches sometimes, but there we go. Price
is going up, obviously fuel it's the obvious one. We've
seen some very smug reporting. Not smug reporting. Actually we
saw some reporting where someone was saying how they'd smugly.
Oh look it was the time for an EV So
I just went in and bought one because the day
had arrived and I thought, isn't that lovely? Isn't that
(02:03):
lovely that you can just go and buy an EV?
Did I say a CV? I meant an EV. So
you've got food prices up and they'll keep going up,
and let's not get all doom and bloom about it.
But we've all got ways that we might want to
think about saving money or at least spending in a
different pattern that makes us feel less stressed about it.
Because one of the things I've found from a point
(02:25):
of view of budgeting, okay, it's one thing to go,
let's just cut back and change your mentality and think,
you know what I could do that today? I could
go and or maybe I'll just have lunch. You know,
I'll make myself lunch all this week and I won't
be buying a single anything from any cafe. That's one
way saving the costs, but to just the distribution of it.
Do you fill up more regularly so when you see
(02:49):
the tank the bill hit eighty or one hundred bucks,
you're like, well, that's all right, as opposed to one
hundred and fifty. You just waited those extra few days
and had to fill the whole thing. I could up again.
So but aside from forking out your life savings to
buy a new car, that'll likely become just as much
of an issue on winter time. How do you manage
your budget? How how are you doing it to cope
(03:09):
not just financially but psychologically. We want to know what
your thoughts are on eight hundred eighty ten eighty text
nine two and joining us to discuss it. She is,
but she's Amanda Morale. We just we just we just
say the name money coach regular on the show. People
have been listening for a while. I mean I think
you I could just say it's Amanda, Hi, how are you?
Speaker 2 (03:30):
I'm well? And I think with regards to saving money
and losing weight, I think maybe you can fill listen.
You're just sit you know, boasting about your own weight
loss victory. Did you have that bottling around the city? So?
Speaker 1 (03:43):
Hey, actually it takes a lot, It takes a hell
of a lot. I don't you know. I'm glad I'm
not because as far as running, I don't think I'll
be able to do as much anyway. Yes, No, that's good,
that's good to have something to celebrate in their respace.
Speaker 2 (03:55):
This is the way of the future.
Speaker 1 (03:57):
But as you know, the money saving thing with the budgeting,
I think there are two sides to it, aren't they.
There's there's the you know, just money money out, getting
that right, But there is within that because you know,
there are some people who are living literally hand to
mouth that you know, every paycheck, they haven't got any savings,
they're spending everything there earning, and so I hike and
(04:18):
the fuel price rise is just you know, it's a
stress straight away because they've got to balance that. But
then there are the people who are maybe not quite
on that breadline sort of thing of up and down,
but they still feel the anxiety of just these costs
going up. And there is a psychological aspect of budgeting too,
just so you don't sort of get smacked around the
(04:41):
face every time you fill up at the gas pump
and go, what one hundred and sixty bucks? You're kidding me.
Speaker 2 (04:45):
Plus yeah, there's no question people are filling the punch,
whether you're rich or poor or somewhere in between. But
the reality is that one out of three New Zealanders
are a living paycheck to paycheck. So there is no
doubt in my mind that when they go to fill up,
They're going to be making a choice, and a very
important choice for themselves and probably asking them themselves, is
(05:06):
there a cheaper, better way? When you look at budgets
and their effectiveness, overall, most people don't stick to a
budget and they do fail. So I don't really like
the word budgeting. I mean, if it works with your discipline,
et cetera, great, But I think forced habits kind of
happen naturally anyhow, as does forced savings when you automate.
Speaker 1 (05:25):
God, budgeting is a do a word, isn't it It is?
I think it just budgeting.
Speaker 2 (05:30):
I think when push comes to shove, people kind of
make smart, sensible choices because out of an obligation to
do so. So yeah, again, for those of those for
those individuals pushed into the you know, extreme situation with
the petroprizes there likely will you know, if I've got dependents,
et cetera, qualified for that in work credit? Yeah, But
(05:52):
you know, I guess for the employers out there, maybe
this is their opportunity. I mean, it won't work for
a lot of them, but to rise to the challenge
and ask themselves what can I do to assist my
employees and again, you know, working from home is a
very sensible it was not going to work for everyone
and every situation, but where that is possible, that's obviously
(06:15):
going to help your employee quite a bit if it
is an option for them to do so. And you know,
there are other programs out there that will help subsidize
costs for employees. And you know there's some really good
ones out there too, and some simplicity where are used
to work. They actually pay for public transport for all
their employees. So if you're lucky enough to be in
(06:35):
one of those, really because is it luck or is
it conscious decisions that you make where you.
Speaker 1 (06:42):
End up, you know, that's a big question. But there's also.
Speaker 2 (06:46):
Another resource that I'll throw out there, because they're doing
some really good work in this area exposing employees who
have great programs, whether they're healthcare or materity benefits or
employee subsidies, in helping both ends of the scale, which
is Crayon. And so what about Crayon, like as the kids. Yeah,
and so they kind of carved a niche for themselves
(07:08):
doing comparative programs for maternity and paternity benefits, but they've
subsequently gone a little bit deeper into you know, overall,
where might you find, you know, the best workplace environment
on a whole range of metrics. So that may be
you know, I'm not saying you switch jobs tomorrow because
(07:28):
of this, but it's a good place a to go
for resources, and if you want to help your employees,
you could probably get some good ideas of that site.
Speaker 1 (07:36):
Actually on the budgeting side, so I see one of
the things it might I psychologically just shift about just
asking myself the question do I need to do this
or not? And so for instance, I sometimes because my
kids get the bus to school and sometimes because you know,
it's a bit of a hike for them to get
(07:58):
home sometimes on the bus on a hot day or something,
and sometimes I'll go and pick them up as a
as a bit of a treat. Now I just now
they say it's bus today, isn't it, Dad, And It's like, yeah,
it's bus both ways. Because that's one little it's a
it's a little luxury that's not that necessary. They understand
it as well. Actually, Luckily, I think that's probably one
of the things if you're going to be talking budgeting,
you need your kids to sort of know that maybe
(08:18):
you're not going to get the flash phone until you
absolutely trash the one you've got.
Speaker 2 (08:23):
Well, and here's a question for you. Did your parents
drive you to to and from school back in the day.
Speaker 1 (08:29):
Well, I guess depends what was on. I used to bike. No,
I used to buy back and mind.
Speaker 2 (08:34):
You, from the age of five.
Speaker 1 (08:36):
Yeah, but you know it's Auckland. You know, there's just
no way that that bike to bike to school. Although
I did even find myself thinking, I wonder if we
need to update their bikes just in case, you know,
getting to sports practice and all those sorts of things.
Maybe we would do a little family bike trip that
can be warm up for the days biking to biking
to the game. We haven't got there, haven't got there yet.
Speaker 2 (09:00):
No, But it's it's creative thinking that comes up. You
know that that results in good solutions quite often. And
you know what if you kind of make it a
challenge amongst your family or yourself about how can we
do things differently? Where can we realize some savings here?
You know car pulling that I mean, the car pulling
does not always work, but you know, you get the
conversation going in If.
Speaker 1 (09:20):
I could design an app if I could design an
app right now, I would design a car pulling apps
doing it.
Speaker 2 (09:27):
But I'm not suggesting everybody.
Speaker 1 (09:29):
I've got a great name for it too, and I've
got the I've got the parameters and everything. I just
don't have the expertise, but it's it's a very cool
name too. I'm not going to say what it does
because I just I.
Speaker 2 (09:39):
Think there actually may be something like that out there,
because I've heard.
Speaker 1 (09:42):
There probably is this idea, but no, in fact, I
might have even ripped the name off subconsciously. Probably I'm
going to have to Google to see whether there's app
called this particular name. Funny thing is on the on
the car choices. So I've got an engine a car.
It's a Toyeter Orient which has got over three liter engine.
It's actually quite economical for its size. But my wife
(10:03):
is a Corolla and and I've suggested a few times,
well I'll just take your Coroll of us. That's a
hard sell. I'm like, she goes, why so, because it's
more economical and you're not using it right now, But
I mean that's sort of thinking we're indulging in.
Speaker 4 (10:19):
Well I am.
Speaker 1 (10:19):
Anyway, I'm going to sell that one.
Speaker 2 (10:21):
I think. I think you're typical of people that, you know,
whether they like following a budget or not, they're they're
they're making choices that will either save them money or
cost some more money because they go to the petrol
station and it is eye watering these days, and so
you're going to have to shift things around. And again,
employers out there who want to do you know, a
(10:43):
solid for their employees who are struggling these days, you know,
some good options out there for is that a.
Speaker 1 (10:50):
Sort of but is that? I mean, there'll be there'll
be people listening. He will be going well, I mean
the employers have got you know, they're facing their own
downturn and productivity. N if they're in the retail space
or whatever they're selling, they're finding that prices are going
up and they're just not able to I'm not.
Speaker 2 (11:04):
Saying, oh all of them are in a position did so,
but some certainly will be. And you know, I think
that can go a long way to building employee morale
and lawyer till you So, if you're looking at it
as a you know, a return on your investment, you know,
maybe something you want to kind of explore.
Speaker 1 (11:22):
Okay, let's take some calls eight hundred and eighty, ten eighty.
The simple question is, you know, we don't want to
get all doom and gloom about it either, because I
know you know the headlines. You turn the news on
and it's like, oh, well, you know there's no end
in sight to this. I asked Winston Peter's just out
of curiosity if you want to go and listen to
that interview at the end, I said, with you with
your head of foreign minister on, you know, what's your
(11:44):
take on it? And he says, what's not going to
last as long as Ukraine and US like wasn't exactly reassuring.
You'd have to listen for the actual actual quote, but
I didn't think it was kind of funny there. He
obviously didn't want to be tied down to anything anyway.
Let's take some calls. How are you coping with the
increased cost of living noticeably obviously with the fuel prices,
(12:05):
and what decisions are you making to make it more
palatable to you? Because it's one thing to Amanda Morale,
my guest was saying, you know, the word budgeting is
such a miserable sort of word. What are you doing
when it comes to the way you're managing just your
money to make it feel that maybe things aren't as
miserable as they might be if we use the word budgeting. Oh,
(12:26):
eight hundred eighty ten eighty text nine nine two Peter.
Speaker 5 (12:31):
Hello, good evening, afternoon. Well, some people are predicting this
is going to be the worst since depression, or the
whole thing with you know, supply chains and all that
sort of stuff. And then you've got the investment. If
you're retired, you know what do you invest in? And
(12:51):
when you look at the electricity devices going up by
seven percent for the line charges, the cost of living
is pretty serious. If you're in a cold climate, you
need you know, more heating in the winter, and then
if you've got a larger commute to work, you're in
more trouble. I know someone locked it because they drive
(13:14):
that they locked. If they bought an electric bicycle, they
could pay for itself in about six months if they
rode it all the time. But you're not going to
be able to carry your laptop so easily on your bycle.
It's not going to be so well.
Speaker 1 (13:27):
Remember the weather last week, to Peter. I remember thinking
of bikes when it's a lovely sunny, calm day like
it was. I'm heading to work today. The idea of
a bike ride into town is actually quite pleasant a
week before when it's raining cats and dogs. The hardest cell,
isn't it?
Speaker 2 (13:44):
But I would say on the laptop pic is a
very easy fix to that. Which are the paniers. My
my had one son who was riding to UNI and
that was the solution there. I just got them a
couple of panniers. You could paniers, so you get a
little rack. You probably go on one second hound and
then they're.
Speaker 1 (14:02):
Like little the little side set and.
Speaker 2 (14:05):
You stopped in their waterproof. So there's some good solutions
there about I agree on some days, particularly like the
wather we saw in It's it's a pretty tough stut
tough sell, Peter.
Speaker 1 (14:15):
What are you doing? What are you affected by budget?
Or are you just sort of thinking I'm spending more
of my millions that are stashed than i'd like to?
Speaker 5 (14:24):
Well, yeah, I was worried about my millions becoming worse.
A property crashes in the stock market crashes, you know,
And the thing is, you know what what you know?
You've got one hundred thousand in any particular bank any
more than that. It's you know, could disappear and you
don't know how how things are, and you know, you
(14:45):
control your food. You know, perhaps some people swear by
doing fasting every now and then and getting fit or
trying to do some walking rather than driving or whatever.
But I just see the whole thing with the supply
chain issue. You know, it could you know, put some
employers to the all if they can't get their items
(15:07):
at a reasonable price. And you know, if you have
a client who can't pay, that could have an effect
of putting you out of business if your client can't
pay you. It just seems a big credits screeze. And
listening to the experts, they say there's more debt now
than ever before. You know, when you compare it to
say the Great Depression of New Zealand, people didn't have
(15:31):
all their debt on their you know whatever, on their
phones and all that sort of stuff. When they're renting
where you know, the debt now and they got rid
of a lot of safety nets. It's safety nets like
in the US, you know, it's more free market and
they don't sort of have the same rules for the
financial industry as they used to. Many years ago and
(15:53):
the banks they were less of them.
Speaker 1 (15:56):
Are you making personally any changes to your spending? Peter, Well,
I was.
Speaker 5 (16:00):
Looking at whether I change evs because Tesla are coming
out with you can't buy full self driving, you have
to pay it on subscription, and I was just looking
EV's are seen to be going up on the second
hand market. Something. Is it a good time to and
give it another one.
Speaker 2 (16:21):
There? Peter? Because I think in the in Australia, if
we look what's happening there search traffic on EV's second
hand new EV's has gone through the roof, so everybody
is scrambling and wondering is this a good time.
Speaker 1 (16:33):
To actually hang on? You're talking about switching EV so
you've already got an EV right, Yeah.
Speaker 5 (16:38):
So it's probably gone up five thousand perhaps on the
second hand market as a second hand Well, I think.
Speaker 1 (16:45):
That's a slightly smug call, isn't it. It's like I might,
I haven't wasn't anticipating someone calling up saying how are
you budget? It's like, well, I might switch EV's, but
I mean, you know, I guess if you think you
get a better get a better trade for it, then
the where you go?
Speaker 5 (16:58):
Yeah, well, you just don't know what do you sell
it and just sort of, you know, cut back and
and wait for the market to crash, you know, on
EVS if things go back to normal. But most people
are saying it's not going to go back to normal
for at least six months and it could be five years.
So so you know, to say it's a temporary thing.
(17:19):
You know, if everything goes back to normal tomorrow, they've
sort of feats the interest infrastructure and you've got three
and a half thousand boats or whatever all been totally disrupted.
Speaker 1 (17:30):
So we'll try try not to you know, stress people
out too much, Peter. And while he's talking about I
might just change my EVS as a budgeting option, well
good on you, but let's not. You know, it's not CRT.
Speaker 2 (17:44):
It's got a fair point though, And I don't think
he's to blame for these negative forekhouts out there. I'm
reading the same thing you are, Peter too, about this
could go on five years, that could go on a
few months. What I would say is most economass I
think four to five are wrong in their calls. So
nobody's got a crystal ball. I would really hope that
this is sooner than later. The Middle East and all
the other price pressures that are they're coming down on us,
(18:06):
but nobody realistically knows. So I think realistically all you
could do is manage what's ahead of you and in
front of you today and making small, little realistic changes,
you know, is one thing you do without inducing too
much anxiety.
Speaker 1 (18:21):
I must check my lotto and see what happened with it,
because then I could go and buy an ev We'll
be back on a techiclar with Amanda Morral. What are
the things you're doing to, you know, make it easier
on yourself when it comes to your money in and out,
but also how you feel about it, because there is
the emotional reaction of just looking at something and going
you know, and feeling that not of anxiety because you
(18:41):
see the numbers tallying up at the pump. Do you
actually the other thing I'm doing instead of waiting for
it to get to zero, I'm just filling up every week,
and hopefully what I'm going to do every week is
see that I'm spending less because I haven't taken an
extra trip here or there or wherever. Your cause twenty
Karen's next, It's twenty five past five news talks. He'd
(19:04):
be news Talks. It be with Timbiver Joe. One hundred
and eighty ten eighty is the number.
Speaker 5 (19:09):
Karen, Hello, Hello, can you hear me?
Speaker 1 (19:12):
Yes, you're with me and Amanda Morrel.
Speaker 4 (19:14):
Yeah, Karen, Hi, how you guys.
Speaker 5 (19:17):
Great?
Speaker 4 (19:18):
This is my first time that I'm actually.
Speaker 5 (19:20):
At the radio station.
Speaker 1 (19:21):
So well done, welcome, thank.
Speaker 4 (19:25):
You, thank you. I just wanted to say that we
have two cars. We have a petrol V eight and
we have an Audi e Tron. So we have an
electric car, and we've had the Audi for well, we've
bought in twenty nineteen, and I what the plan that
we've got this this time with all of this. The
fuel going up is all about three weeks ago. I
(19:47):
went to fill the car up the Audi SORR. The
V eight had two dollars forty three and I was
quite proud of myself. So I parked it in the
garage and it's been sitting here full of gas.
Speaker 6 (19:59):
Good.
Speaker 2 (20:00):
So yeah, because now it's what three.
Speaker 4 (20:04):
Yeah. Now, my husband and I sort of squabbling over
who takes the electric car. I mean it sounds a
little silly and a bit tripe, but at the end
of the day. He's gone await this weekend to do
a home show down in the Hawk's Bay. I'm on
out to the airport to pick him.
Speaker 5 (20:18):
Up in the e Trons.
Speaker 4 (20:19):
So for us, we didn't want to catch you, but anymore, I'll.
Speaker 1 (20:23):
Drive the car.
Speaker 4 (20:23):
I work from home. My husband owns a solar rooftops
solar company, and we've got diesel vans and electric cars
for our sales team, but diesel for our installers, and
that's the part that we're really worried about. It's okay
for him and I have to squabble over who's going
to use the electric car, but when it comes to
(20:45):
filling up the tanks for the diesel trucks and vans
that we have roofs installers, that's the part that we're
really concerned about our business.
Speaker 2 (20:54):
How many do you have in your fleet?
Speaker 4 (20:57):
Now you're asking the wrong person, but I think I
want to say we've got nine branches throughout New Zealand.
We employ a hundred staff, or just over one hundred,
so I think we have about twenty thirty bands.
Speaker 2 (21:10):
So this is significant for you guys. I guess you're
probably looking at some reestions terrified.
Speaker 4 (21:17):
It's not good for us, you know. It's it's hard
enough in New Zealand running a business. Now this happens
and we've got to basically fill the tanks of all
our diesel bands. It's I don't know what the solution is.
Speaker 1 (21:29):
Well, what the solution is outside of our control in
a way, isn't it. Because what we need is for
the straits of the straight of Hormors to get opened up.
And I mean, you know there's a lot of fingers
crossed going on, isn't there, Karen, Well.
Speaker 4 (21:43):
There is, and I think we're all sort of in
the same boat. I mean, it makes us feel a
little bit better to know that, you know, we're not
the only ones. But at the same time too, you know,
we've got to put food on the table, and we've
got to support all our staff.
Speaker 6 (21:54):
Have you.
Speaker 2 (21:55):
I know another business owner and she has bound all
non essential trouble. But I imagine with your installers it
is all essential, but it are That's what we do.
Speaker 4 (22:05):
And the other thing too is, you know, our sales
inquiries we've doubled. You know, we were getting one hundred
odd leads and two hundred leads and now we're getting
four hundred. You know, because people are wanting to put
rooftops solder on and go go you know, go electric
and with everything they own, you know, inside the house.
And what's happening is, you know, so our business is
going to get really, really busy. So it's a bit
(22:27):
of a catch twenty two.
Speaker 2 (22:28):
Yeah, I guess you need to do some good forecasting
to determine whether they're buying a few evs are adding
them to your fleet mate.
Speaker 4 (22:35):
You know, we have we do have EV cars which
our sales people drive, but the vans there aren't any
EV vans available like for you know, you know, taking
solar panels and equipment.
Speaker 2 (22:51):
So that's so that's where perhaps you know, you need
the Saber truck.
Speaker 1 (22:56):
I was literally just thinking the cyber truck and I thought,
I can't believe I'm giving it.
Speaker 2 (23:00):
I don't even know. Is that still on the market.
Speaker 1 (23:02):
Yeah, I don't know. I don't know anyway.
Speaker 4 (23:04):
Well, yeah, there's there's lots going on, and we we're
sort of heavy involved in you know, rewiring at roller
with Mike Casey and pushing up the barrow because you know,
it's on electrifying everything and it really does now mean
that this is important you know, having having bands and
having installers that are driving electric vans.
Speaker 1 (23:22):
Okay, or well, we had a chat with the guy
from We had a chat with the guy from that company.
I think you're referring to Yeah, what's his name? Just
remind me Josh Ellison.
Speaker 4 (23:32):
Yes, I think John has spoken with him. Yeh yeah,
so we're sort of Yeah, John's really working hard at
you know, trying to keep this things afloat. So I
think for us, look, I try and do the small
things at home to keep things, you know, rolling, and
I think just sharing the EV is a good start.
But you know, god, it's a bigger story.
Speaker 1 (23:49):
It's quite a big start. Yeah, it does a big story.
But on the home front that is actually I mean,
you're you're very fortunate to be able to do that
with with EV because that's potentially quite a significant household
budgetary saving, isn't it.
Speaker 4 (24:01):
Well when the first it was the first lot of
audis that came into the country, the EV, and everyone said,
oh my god, it been electric Outer. You've got to
be kidding, And we were the first shipment and it
was in twenty nineteen.
Speaker 3 (24:14):
Oh my god, look back.
Speaker 4 (24:16):
Now, I'm thankful that we did grab one. They were
expensive too and have come back in price.
Speaker 2 (24:21):
Yeah, good on you and Jessica. What is the out
of curiosity the electrical bell on a full charge? And
how often do you have to charge it?
Speaker 4 (24:29):
We have a car charger in the garage if we
had I'm not sure of the exact price on how
to see John know's all details on this. But it's
not expensive to charge. It doesn't take long to charge,
it's a quick charge and it's economical. And I think
the previous property we had of obviously we had rooftop solar,
but we're in an apartment at the moment, so apartments
(24:52):
are difficult. Well for us, we can't put it. We
can't put sol on the roof there's too many people.
But if you had solar panels and you plugged your
electric car and then you're sweet, thank you.
Speaker 1 (25:04):
Thanks, right, recall Karen, nice to hear from you. You'll
have to do it again. Now you've done it once.
Now you've broken that, you've broken the seal. You have
to call again.
Speaker 4 (25:16):
I'll get my husband to right next time.
Speaker 1 (25:18):
Well, well, we'll talk again, Karen, catch you soon. See
how it is a bit like that with talkback. It's
but like you know, once you've not the top off
of the milk bottle, you've got to you've got to
keep drinking.
Speaker 2 (25:29):
Uh.
Speaker 1 (25:30):
Anyway, I've got a few texts here. Oh, I once
says Peter was a rather smug on my community support worker.
All of us are hurting if we do less clients,
that is less income. Yeah, I mean, it is one
of those things. I mean I do try and avoid
getting too heavy on it because the media is full
of discussions around what's going with the straits or moves.
Speaker 6 (25:49):
But I.
Speaker 1 (25:50):
It was interesting, she said. I she Karen said that
she almost feels better because there are other countries that
are a similar boat to us. And I would be
deeply much more worried if it was just New Zealand,
because no one's going to change anything for New Zealand.
But if a whole lot of other more significant economies
is struggling, the pressure on the United States ramps up,
and on Trump and the markets and all that sort
(26:12):
of thing, and so the pressure does mount up to
try and get something resolved. And as I say, for
the hundredth of time, fingers crossed, what do you think?
Speaker 2 (26:21):
Absolutely? You know, just going back to some very practical
tips like Karen parking the gas guzler in the garage
and then using the EB So it's interesting to see
younger people deal with this. So again, you know, I
use my twenty two year old asn't an example, you know,
only putting five dollars into the tank trying to an
(26:42):
AA has some great tips on how you can you know,
make more out of your petrol, which is like having
your tires inflated and not letting it, you know, run
down and running the car on empty because it used
more fuel. But you fill up your tank and then
don't let it go past you know, three quarters, just
top it up. Why is that because you when the
(27:03):
less you have in the tank, the more where it
actually sucks up. Really physics, Yeah, check it out on.
Speaker 1 (27:10):
That does sound like something I'm dying to fact check.
Speaker 2 (27:12):
But I did feel free because I've seen that in
multiple sources. So yeah, running running, not having your air
conditioning on easier said than done some days, you know,
having the tires well inflated, keeping a full tank, minimizing
non essential travel, et cetera. Those small things made out up.
I think for younger kids, you know, uh, you know,
(27:33):
maybe they're on their parents' credit card for for fuel
votures or whatever. But you know, they mean they're gonna
have to think hard, particularly those are paying for their
own petrol about where they're going and whether you know
that's necessary. Other people are trying to get to work
and don't have any other choices. You know this, this
is tough. Yeah, but I think at the end of
the day, like your family is doing, people will make
(27:54):
smart choices out of necessity, you know, and and hopefully,
like you're saying this will this will be short lived.
Speaker 1 (28:00):
Fingers crossed, That's my policy. If I was standing for
if I was standing for a and it was like,
what's your slogan, tim would be like, fingers crossed?
Speaker 2 (28:09):
Is it a bad said? And hope is not a strategy?
Speaker 1 (28:12):
Yeah, I look, well the other one I love is
there was just this is a trivial point, just while
we've got you all's talk about you know, what the
plan is to de escalat and all that sort of stuff.
And there was some quotes around plans and there's an
eyes on how who plan D Day and everything, saying
plans are useless until you need a new one, he said,
(28:32):
But the plans are useless, but you've got to have them.
But then there's also the famous Mike Tyson quote that
everyone has a plans until they get punched in the face,
with some getting these days, aren't we We'll be back
in just a moment, though.
Speaker 5 (28:47):
How are you?
Speaker 1 (28:48):
How are you? How are you managing your finances to
you know, go easy on yourself so you're not feeling
the pinch psychologically and financially. Oh, eight hundred and eighty
t and eighty, it's twenty one and a half minutes
to six News talks. He'd be News Talks. He'd be
with Tim Bever's talking about how you're making your finances,
how you managing them to ease your anxiety and also
you while eight ten eighty Amanda Morale is my guest.
(29:09):
She's a money coach and Scott Hello, Hello, how are
you good? Thanks?
Speaker 7 (29:16):
Hey, first time caller, But I'm just around running the
business is you got to look after yourself. We're all
in it for ourselves in terms of running our businesses.
And I've change the way how I quote really quickly.
You know, the freight works with fat and they have
a fuel adjustment factor and that might be something that
(29:36):
because this is could use in a short term. And
it sounds like that that soul of business this lady
was talking about is thriving and it's only ever going
to go busy and busier with everything that is happening.
The spotlight's on it right.
Speaker 1 (29:52):
Yeah.
Speaker 7 (29:52):
Takes a hard inflation, it's only going to go up.
Speaker 1 (29:56):
Yeah. And so what's your words of advice for her?
Speaker 7 (30:00):
I think she needs to look after her business. Don't
just suck it up because I'm not going to help
her past. You need to pass it on one way
or another year.
Speaker 1 (30:08):
I guess it depends on what the margins are, because
every business will be working out how much can we
pass on to the extent that it doesn't suddenly turn
demand off. And obviously the solar panel business demand is
going gangbusters, but other businesses might not be feeling that.
Speaker 2 (30:22):
And what kind of business do you run if you
don't mind us asking.
Speaker 7 (30:26):
I'm a general manager of a business.
Speaker 1 (30:31):
That's pretty business. What industry our food? Okay? Well that's
I mean, you see so food in terms of you know,
restaurant dining or just getting stuff around the country.
Speaker 7 (30:49):
I'm just moving around the country, okay.
Speaker 1 (30:52):
Because that is a tricky one. Because if the price,
I guess depends on whether it's an essential food which
people you know, like literally bread and butter sort of thing,
or the luxury food like Scotch phillt.
Speaker 7 (31:05):
Only food gets shipped around the country all on the
same palette.
Speaker 2 (31:08):
Though Yeah, yeah, no, there will be absolutely a knock
on effect to the end user, and if the end
users really squeezed, it will then ultimately rebound back to
the to the businesses, if you know, the supply round
rise up. So it is a conundrum.
Speaker 1 (31:21):
Are you concerned personally with the way you spend money
or manage you know, what you're doing when and how
and how much?
Speaker 7 (31:30):
Yeah, I mean definitely we run things pretty lean anyway.
We use our own home, our home, kill and heavy
beach again and that kind of stuff have for years,
so it's as usual. But we're definitely dying out less,
you know, yeah, less takeaways and that kind of stuff.
That's less driving. You don't go out to the lake
(31:50):
for a swim and.
Speaker 1 (31:51):
Yeah, yeah, okay, hey thanks for call Scott. Nice to
hear from you. I did love that. It's like doing
I'm a general manager of a business. It's like, yeah,
that's pretty broad.
Speaker 2 (32:03):
We've gotten down to focus, first time we have when.
Speaker 1 (32:06):
This is an absolute win. I'm not sure we could
call Beryl a first time caller, could we? But Beryl, Hello, No,
you couldn't call me that.
Speaker 3 (32:14):
And I won't ask how you and your guests are
because too many people are.
Speaker 1 (32:17):
We Thank you, Beryl, thanks.
Speaker 3 (32:19):
For asking, and I welcome.
Speaker 1 (32:22):
I say hi to your guest, Amanda Morale.
Speaker 3 (32:26):
Amanda, Hi, Amanda. Listen. Some cultural change for Pyra Wellington
and the Hearts, which is a bit of a worry.
We're we're going say, having our rates been internalized, our
war's been internalized in our rates. They're going to bring
in these meters and there is some show I say,
some suspicious out some suspicion out there, though someone had
(32:50):
told me that's on the nth. We're all going to
be charged about two hundred dollars each, just like getting
the measure of the wharf we've used per household. That
we're all going to be charged a standard rate of
two hundred because of the neglect of those council over
our pipes and Dane.
Speaker 6 (33:07):
It's so sort of for.
Speaker 3 (33:09):
All of us, w you're on a limited income or not,
it's a bit of a worry. And my question to
you and Amanda, is any substance to this theory or
no idea.
Speaker 1 (33:21):
I thought you were calling about saving and just how
you're going about saving money.
Speaker 3 (33:24):
Beryl, Oh, I can tell you that I am going
to be shopping once a fortnight instead of every week
because I think I saved moneys here. And I'm also
going to be doing, you know, a lot more walking,
and I'm going to be I've got a car, but
i am I'll be looking around to see what I
(33:44):
can do about doing discounts for petrol for the car
when I have to. But I'm going to be definitely
be doing a lot more walking.
Speaker 1 (33:52):
And seat of actually, you know, planning ahead on the shopping.
Actually doing a once I mean that does take a
bit of planning to budget, you know, to work out
what you need for the next couple of weeks. But
that's not a bad move, actually, I mean penning up
to the supermarket.
Speaker 2 (34:06):
No, it's practical things and there's you know, there's a
lot of research around in pulse buying. When you're not
organized and planned, planning your meals during the week, and
you just load up your trolley when you're hungry coming
home from work.
Speaker 1 (34:17):
So you know, actually I do. Actually I imagine you
would potentially save quite a bit because the more you
go to the supermarket, the more times you're passing something,
I might just get that, whereas actually, the other one
I would have thought would be not a bad suggestion
is actually just making a shopping list from what you
absolutely need and leave it at that, because you know,
you know, there will be some people who go to
(34:39):
the shops and their way of shopping is literally they
walk around and then go, oh, I need some of that,
and then see something, Oh I need some of that.
I need some of that, as opposed to if you've
got a shopping list, you stick to it.
Speaker 2 (34:50):
It's always very helpful. I like to challenge myself with
what's in the fridge. My fridge is pretty bare at
the moment, but I have a look in there and
what meal can I make with what is currently in
the fridge of the cupboard. And I love the challenge.
So you know, again, if you approach some of these
these problems with the creative sat yeah.
Speaker 1 (35:06):
The movie kind of Actually here's another way you can
use because we were talking in the last hour with
Brian Betty about in the use of AI or involved
in health care. But the other one is which is
a doozier. And I started doing it just because we've
started growing a few herbs in the garden and I
wanted to do something with herbs, herbs within h herbs.
(35:28):
And I you just look in your fridge and you go, okay,
I've got some of this, this and this, stick it
and chat GPT, so what can I make with this?
Give or take some extra ingredients that hopefully I've got
as well. It's pretty clever.
Speaker 2 (35:44):
Way. Why not? No, I'm a regular user of chat
big fown. You can throw a few questions at chart.
I'm sure it'll come up with some creative It's just
as well.
Speaker 1 (35:53):
We might come back and squeeze another call before we
wrap it up. It's eleven and a half minutes to six.
News Talk said B. News Talk said B. We were
talking budgeting. I'm Tim Beveridge, my guest is Amanda Morrale,
and one last call to wrap it up.
Speaker 6 (36:05):
A hello, oh, yes, good evening. It's even down the
South Island, is it?
Speaker 1 (36:12):
I guess it is getting bit done, isn't it. It's
not six o'clock yet.
Speaker 6 (36:16):
Yes, oh, well, anyway, this is called I call this
saving petrel is living in isolation, and it's not a
healthy thing, apparently, living in isolation. So I'm wondering. I
did save money on petrol because I only went to
(36:38):
the shops twice and I went to country music twice,
so that cost me seventeen dollars for the fortnight. It's
given me a couple of outings. But I'm feeling like
going to Tomoka. God's country music out at Tomoka next week.
So should I deny myself that trip or stay in isolation?
Speaker 1 (37:01):
Well, I think if you we need people need people,
don't we And sentence said, don't.
Speaker 6 (37:07):
Don't think the way they treated the elderly, it's terrible.
You know they give everybody else a fifty dollar rise.
Speaker 1 (37:17):
Well it's not everybody else, it's it's a target. It's
assistance for people who have to go to work and
all that. And look it's not perfect, does it dieing?
But please don't know. Don't isolate yourself though.
Speaker 6 (37:27):
Please, My husband, my son is a b M Bees,
so he'll be paying his way all the way for
the yeah, going around the Bees from here to in
the Cagle and here to twice it all costs money.
So I think this government will be really out on
(37:50):
the next election.
Speaker 1 (37:52):
Right. Oh well, I don't know, because it depends whether
people want a government that's going to just spend money
for the sake of it as well. But the different
that's it's a challenge for the government, doesn't it.
Speaker 2 (38:02):
Absolutely, But just getting back to your original point. Hopefully
you've got good community out where you live, and you know,
I think the common sense for all needs to apply here.
You know, if if you're going to run yourself into
a deep dark hall and depression by not getting out
so you can save yourself five bucks a week, that
makes zero sense. But I think there's just some other
(38:23):
people been making a lot of frivolous travel here and
there that those kind of people need to cut back.
Speaker 1 (38:29):
There's a text here, a couple of techs. Well, I
got quite a few texts on the money thing. I
think this is quite interesting one. The best way to
save money is to eat your fridge and don't shop
until it's empty. No waiste, no throwing food out to
make room for fresh food, et cetera. Yeah, that's an
interesting one. But also, of course, if you're going to
have trouble shopping. There's there might be some core items
(38:51):
you want to be stocked up on. I mean, so
you don't want to eat yourself down to the bone.
But that I know it, no, Murray means.
Speaker 2 (38:58):
That's a good philosophy. I guess too. What I would
say is there's a lot of people who don't know
how to cook these days. Sadly, I'm talking about some
of the younger people, and they're they're relying more heavily
on you know, the lakes of uber eats, et cetera.
So they could stand to use a few tips about
how to creatively cut and make soups and stocks and
you know, freeze things so make things go a longer
(39:19):
way about. Sadly, I think that art has been lost.
Speaker 1 (39:22):
Somebody said they googled about whether the gas consumption goes
down per kilometer when the tank is near empty. Google
said it actually becomes slightly more fuel efficient due to
less weight. However, the difference is negligible. But that's the odds.
With somebody who said that there's more evaporation in the tank,
I think that might be the other side of it. Chaining.
My producer Tyra, she's got a great way of saving
(39:44):
money on the on the on the evening meal ship.
They've she's got a few road possums. They just shoot
the possums. And I think she's gonna think she's thinking
you're going to put them into pies. I think she's
gonna I think you can have poss and pie can't
and by some from you, No, she's she's delightfully rustic.
I'm sure you can make poss and pies work. I'm sure, Tyra,
not on the night you invite me for dinner. Anyway,
(40:10):
any last sort of I feel like I'm going to
say any last requests, but we've got about thirty seconds
to go. Any last comments there, Amanda, No, I.
Speaker 2 (40:18):
Would just point people to again, you know, some good
reasons out there. Crayon's one of them for those employers
who may want to investigate some subsidy programs to help
help up their workers, et cetera. And there's plenty of
budgeting resources out there. It's all out there.
Speaker 1 (40:34):
And keep in touch with your friends and family, don't
isolate yourself. Of course, we're not there yet, Okay, so
fingers crossed as I say, anyway, Hey, love to see you, Amanda.
Speaker 2 (40:42):
Great to see you.
Speaker 1 (40:43):
Thanks for popping in and we'll catch you again and
thank you. If you've missed any of the hours, you
can and check them out on the News Talks website
or on iHeartRadio. Of note, I'd recommend having a listen
to My chat with Winston was quite informative in a way,
but always entertaining. It was Winston back soon, sorry, not
back soon, sounded out. Six is next. I'll be back
next weekend. Catch you soon.
Speaker 6 (41:04):
For more or from the Weekend Collective.
Speaker 1 (41:06):
Listen live to News Talk ZEDB weekends from three pm,
or follow the podcast on iHeartRadio
You're listening to the Weekend Collective podcast from news Talks
at bab beg are you human?
Speaker 2 (00:32):
Be?
Speaker 1 (00:32):
No one who's one of the things. Well, you can
wring anybout this papagain, what's want sis? It's away not trouble.
Speaker 2 (00:44):
When you live in yen couple, sob you donna do
and the world don't open us back?
Speaker 3 (00:56):
Sobody does not do, but nobody.
Speaker 1 (00:59):
Wants to booth with you. Welcome back to the Weekend
(01:20):
Collective and if you have just joined us, welcome back.
Otherwise sorry, welcome in. If you have just joined us, otherwise,
welcome back. This is this hour is called smart Money
and we want your calls. We love you to join
the conversation on eight hundred and eighty ten eighty. You
can text nine to nine two and look, we want
to dig into, dig into God. I wish I wouldn't
(01:42):
speak in such cliches sometimes, but there we go. Price
is going up, obviously fuel it's the obvious one. We've
seen some very smug reporting. Not smug reporting. Actually we
saw some reporting where someone was saying how they'd smugly.
Oh look it was the time for an EV So
I just went in and bought one because the day
had arrived and I thought, isn't that lovely? Isn't that
(02:03):
lovely that you can just go and buy an EV?
Did I say a CV? I meant an EV. So
you've got food prices up and they'll keep going up,
and let's not get all doom and bloom about it.
But we've all got ways that we might want to
think about saving money or at least spending in a
different pattern that makes us feel less stressed about it.
Because one of the things I've found from a point
(02:25):
of view of budgeting, okay, it's one thing to go,
let's just cut back and change your mentality and think,
you know what I could do that today? I could
go and or maybe I'll just have lunch. You know,
I'll make myself lunch all this week and I won't
be buying a single anything from any cafe. That's one
way saving the costs, but to just the distribution of it.
Do you fill up more regularly so when you see
(02:49):
the tank the bill hit eighty or one hundred bucks,
you're like, well, that's all right, as opposed to one
hundred and fifty. You just waited those extra few days
and had to fill the whole thing. I could up again.
So but aside from forking out your life savings to
buy a new car, that'll likely become just as much
of an issue on winter time. How do you manage
your budget? How how are you doing it to cope
(03:09):
not just financially but psychologically. We want to know what
your thoughts are on eight hundred eighty ten eighty text
nine two and joining us to discuss it. She is,
but she's Amanda Morale. We just we just we just
say the name money coach regular on the show. People
have been listening for a while. I mean I think
you I could just say it's Amanda, Hi, how are you?
Speaker 2 (03:30):
I'm well? And I think with regards to saving money
and losing weight, I think maybe you can fill listen.
You're just sit you know, boasting about your own weight
loss victory. Did you have that bottling around the city? So?
Speaker 1 (03:43):
Hey, actually it takes a lot, It takes a hell
of a lot. I don't you know. I'm glad I'm
not because as far as running, I don't think I'll
be able to do as much anyway. Yes, No, that's good,
that's good to have something to celebrate in their respace.
Speaker 2 (03:55):
This is the way of the future.
Speaker 1 (03:57):
But as you know, the money saving thing with the budgeting,
I think there are two sides to it, aren't they.
There's there's the you know, just money money out, getting
that right, But there is within that because you know,
there are some people who are living literally hand to
mouth that you know, every paycheck, they haven't got any savings,
they're spending everything there earning, and so I hike and
(04:18):
the fuel price rise is just you know, it's a
stress straight away because they've got to balance that. But
then there are the people who are maybe not quite
on that breadline sort of thing of up and down,
but they still feel the anxiety of just these costs
going up. And there is a psychological aspect of budgeting too,
just so you don't sort of get smacked around the
(04:41):
face every time you fill up at the gas pump
and go, what one hundred and sixty bucks? You're kidding me.
Speaker 2 (04:45):
Plus yeah, there's no question people are filling the punch,
whether you're rich or poor or somewhere in between. But
the reality is that one out of three New Zealanders
are a living paycheck to paycheck. So there is no
doubt in my mind that when they go to fill up,
They're going to be making a choice, and a very
important choice for themselves and probably asking them themselves, is
(05:06):
there a cheaper, better way? When you look at budgets
and their effectiveness, overall, most people don't stick to a
budget and they do fail. So I don't really like
the word budgeting. I mean, if it works with your discipline,
et cetera, great, But I think forced habits kind of
happen naturally anyhow, as does forced savings when you automate.
Speaker 1 (05:25):
God, budgeting is a do a word, isn't it It is?
I think it just budgeting.
Speaker 2 (05:30):
I think when push comes to shove, people kind of
make smart, sensible choices because out of an obligation to
do so. So yeah, again, for those of those for
those individuals pushed into the you know, extreme situation with
the petroprizes there likely will you know, if I've got dependents,
et cetera, qualified for that in work credit? Yeah, But
(05:52):
you know, I guess for the employers out there, maybe
this is their opportunity. I mean, it won't work for
a lot of them, but to rise to the challenge
and ask themselves what can I do to assist my
employees and again, you know, working from home is a
very sensible it was not going to work for everyone
and every situation, but where that is possible, that's obviously
(06:15):
going to help your employee quite a bit if it
is an option for them to do so. And you know,
there are other programs out there that will help subsidize
costs for employees. And you know there's some really good
ones out there too, and some simplicity where are used
to work. They actually pay for public transport for all
their employees. So if you're lucky enough to be in
(06:35):
one of those, really because is it luck or is
it conscious decisions that you make where you.
Speaker 1 (06:42):
End up, you know, that's a big question. But there's also.
Speaker 2 (06:46):
Another resource that I'll throw out there, because they're doing
some really good work in this area exposing employees who
have great programs, whether they're healthcare or materity benefits or
employee subsidies, in helping both ends of the scale, which
is Crayon. And so what about Crayon, like as the kids. Yeah,
and so they kind of carved a niche for themselves
(07:08):
doing comparative programs for maternity and paternity benefits, but they've
subsequently gone a little bit deeper into you know, overall,
where might you find, you know, the best workplace environment
on a whole range of metrics. So that may be
you know, I'm not saying you switch jobs tomorrow because
(07:28):
of this, but it's a good place a to go
for resources, and if you want to help your employees,
you could probably get some good ideas of that site.
Speaker 1 (07:36):
Actually on the budgeting side, so I see one of
the things it might I psychologically just shift about just
asking myself the question do I need to do this
or not? And so for instance, I sometimes because my
kids get the bus to school and sometimes because you know,
it's a bit of a hike for them to get
(07:58):
home sometimes on the bus on a hot day or something,
and sometimes I'll go and pick them up as a
as a bit of a treat. Now I just now
they say it's bus today, isn't it, Dad, And It's like, yeah,
it's bus both ways. Because that's one little it's a
it's a little luxury that's not that necessary. They understand
it as well. Actually, Luckily, I think that's probably one
of the things if you're going to be talking budgeting,
you need your kids to sort of know that maybe
(08:18):
you're not going to get the flash phone until you
absolutely trash the one you've got.
Speaker 2 (08:23):
Well, and here's a question for you. Did your parents
drive you to to and from school back in the day.
Speaker 1 (08:29):
Well, I guess depends what was on. I used to bike. No,
I used to buy back and mind.
Speaker 2 (08:34):
You, from the age of five.
Speaker 1 (08:36):
Yeah, but you know it's Auckland. You know, there's just
no way that that bike to bike to school. Although
I did even find myself thinking, I wonder if we
need to update their bikes just in case, you know,
getting to sports practice and all those sorts of things.
Maybe we would do a little family bike trip that
can be warm up for the days biking to biking
to the game. We haven't got there, haven't got there yet.
Speaker 2 (09:00):
No, But it's it's creative thinking that comes up. You
know that that results in good solutions quite often. And
you know what if you kind of make it a
challenge amongst your family or yourself about how can we
do things differently? Where can we realize some savings here?
You know car pulling that I mean, the car pulling
does not always work, but you know, you get the
conversation going in If.
Speaker 1 (09:20):
I could design an app if I could design an
app right now, I would design a car pulling apps
doing it.
Speaker 2 (09:27):
But I'm not suggesting everybody.
Speaker 1 (09:29):
I've got a great name for it too, and I've
got the I've got the parameters and everything. I just
don't have the expertise, but it's it's a very cool
name too. I'm not going to say what it does
because I just I.
Speaker 2 (09:39):
Think there actually may be something like that out there,
because I've heard.
Speaker 1 (09:42):
There probably is this idea, but no, in fact, I
might have even ripped the name off subconsciously. Probably I'm
going to have to Google to see whether there's app
called this particular name. Funny thing is on the on
the car choices. So I've got an engine a car.
It's a Toyeter Orient which has got over three liter engine.
It's actually quite economical for its size. But my wife
(10:03):
is a Corolla and and I've suggested a few times,
well I'll just take your Coroll of us. That's a
hard sell. I'm like, she goes, why so, because it's
more economical and you're not using it right now, But
I mean that's sort of thinking we're indulging in.
Speaker 4 (10:19):
Well I am.
Speaker 1 (10:19):
Anyway, I'm going to sell that one.
Speaker 2 (10:21):
I think. I think you're typical of people that, you know,
whether they like following a budget or not, they're they're
they're making choices that will either save them money or
cost some more money because they go to the petrol
station and it is eye watering these days, and so
you're going to have to shift things around. And again,
employers out there who want to do you know, a
(10:43):
solid for their employees who are struggling these days, you know,
some good options out there for is that a.
Speaker 1 (10:50):
Sort of but is that? I mean, there'll be there'll
be people listening. He will be going well, I mean
the employers have got you know, they're facing their own
downturn and productivity. N if they're in the retail space
or whatever they're selling, they're finding that prices are going
up and they're just not able to I'm not.
Speaker 2 (11:04):
Saying, oh all of them are in a position did so,
but some certainly will be. And you know, I think
that can go a long way to building employee morale
and lawyer till you So, if you're looking at it
as a you know, a return on your investment, you know,
maybe something you want to kind of explore.
Speaker 1 (11:22):
Okay, let's take some calls eight hundred and eighty, ten eighty.
The simple question is, you know, we don't want to
get all doom and gloom about it either, because I
know you know the headlines. You turn the news on
and it's like, oh, well, you know there's no end
in sight to this. I asked Winston Peter's just out
of curiosity if you want to go and listen to
that interview at the end, I said, with you with
your head of foreign minister on, you know, what's your
(11:44):
take on it? And he says, what's not going to
last as long as Ukraine and US like wasn't exactly reassuring.
You'd have to listen for the actual actual quote, but
I didn't think it was kind of funny there. He
obviously didn't want to be tied down to anything anyway.
Let's take some calls. How are you coping with the
increased cost of living noticeably obviously with the fuel prices,
(12:05):
and what decisions are you making to make it more
palatable to you? Because it's one thing to Amanda Morale,
my guest was saying, you know, the word budgeting is
such a miserable sort of word. What are you doing
when it comes to the way you're managing just your
money to make it feel that maybe things aren't as
miserable as they might be if we use the word budgeting. Oh,
(12:26):
eight hundred eighty ten eighty text nine nine two Peter.
Speaker 5 (12:31):
Hello, good evening, afternoon. Well, some people are predicting this
is going to be the worst since depression, or the
whole thing with you know, supply chains and all that
sort of stuff. And then you've got the investment. If
you're retired, you know what do you invest in? And
(12:51):
when you look at the electricity devices going up by
seven percent for the line charges, the cost of living
is pretty serious. If you're in a cold climate, you
need you know, more heating in the winter, and then
if you've got a larger commute to work, you're in
more trouble. I know someone locked it because they drive
(13:14):
that they locked. If they bought an electric bicycle, they
could pay for itself in about six months if they
rode it all the time. But you're not going to
be able to carry your laptop so easily on your bycle.
It's not going to be so well.
Speaker 1 (13:27):
Remember the weather last week, to Peter. I remember thinking
of bikes when it's a lovely sunny, calm day like
it was. I'm heading to work today. The idea of
a bike ride into town is actually quite pleasant a
week before when it's raining cats and dogs. The hardest cell,
isn't it?
Speaker 2 (13:44):
But I would say on the laptop pic is a
very easy fix to that. Which are the paniers. My
my had one son who was riding to UNI and
that was the solution there. I just got them a
couple of panniers. You could paniers, so you get a
little rack. You probably go on one second hound and
then they're.
Speaker 1 (14:02):
Like little the little side set and.
Speaker 2 (14:05):
You stopped in their waterproof. So there's some good solutions
there about I agree on some days, particularly like the
wather we saw in It's it's a pretty tough stut
tough sell, Peter.
Speaker 1 (14:15):
What are you doing? What are you affected by budget?
Or are you just sort of thinking I'm spending more
of my millions that are stashed than i'd like to?
Speaker 5 (14:24):
Well, yeah, I was worried about my millions becoming worse.
A property crashes in the stock market crashes, you know,
And the thing is, you know what what you know?
You've got one hundred thousand in any particular bank any
more than that. It's you know, could disappear and you
don't know how how things are, and you know, you
(14:45):
control your food. You know, perhaps some people swear by
doing fasting every now and then and getting fit or
trying to do some walking rather than driving or whatever.
But I just see the whole thing with the supply
chain issue. You know, it could you know, put some
employers to the all if they can't get their items
(15:07):
at a reasonable price. And you know, if you have
a client who can't pay, that could have an effect
of putting you out of business if your client can't
pay you. It just seems a big credits screeze. And
listening to the experts, they say there's more debt now
than ever before. You know, when you compare it to
say the Great Depression of New Zealand, people didn't have
(15:31):
all their debt on their you know whatever, on their
phones and all that sort of stuff. When they're renting
where you know, the debt now and they got rid
of a lot of safety nets. It's safety nets like
in the US, you know, it's more free market and
they don't sort of have the same rules for the
financial industry as they used to. Many years ago and
(15:53):
the banks they were less of them.
Speaker 1 (15:56):
Are you making personally any changes to your spending? Peter, Well,
I was.
Speaker 5 (16:00):
Looking at whether I change evs because Tesla are coming
out with you can't buy full self driving, you have
to pay it on subscription, and I was just looking
EV's are seen to be going up on the second
hand market. Something. Is it a good time to and
give it another one.
Speaker 2 (16:21):
There? Peter? Because I think in the in Australia, if
we look what's happening there search traffic on EV's second
hand new EV's has gone through the roof, so everybody
is scrambling and wondering is this a good time.
Speaker 1 (16:33):
To actually hang on? You're talking about switching EV so
you've already got an EV right, Yeah.
Speaker 5 (16:38):
So it's probably gone up five thousand perhaps on the
second hand market as a second hand Well, I think.
Speaker 1 (16:45):
That's a slightly smug call, isn't it. It's like I might,
I haven't wasn't anticipating someone calling up saying how are
you budget? It's like, well, I might switch EV's, but
I mean, you know, I guess if you think you
get a better get a better trade for it, then
the where you go?
Speaker 5 (16:58):
Yeah, well, you just don't know what do you sell
it and just sort of, you know, cut back and
and wait for the market to crash, you know, on
EVS if things go back to normal. But most people
are saying it's not going to go back to normal
for at least six months and it could be five years.
So so you know, to say it's a temporary thing.
(17:19):
You know, if everything goes back to normal tomorrow, they've
sort of feats the interest infrastructure and you've got three
and a half thousand boats or whatever all been totally disrupted.
Speaker 1 (17:30):
So we'll try try not to you know, stress people
out too much, Peter. And while he's talking about I
might just change my EVS as a budgeting option, well
good on you, but let's not. You know, it's not CRT.
Speaker 2 (17:44):
It's got a fair point though, And I don't think
he's to blame for these negative forekhouts out there. I'm
reading the same thing you are, Peter too, about this
could go on five years, that could go on a
few months. What I would say is most economass I
think four to five are wrong in their calls. So
nobody's got a crystal ball. I would really hope that
this is sooner than later. The Middle East and all
the other price pressures that are they're coming down on us,
(18:06):
but nobody realistically knows. So I think realistically all you
could do is manage what's ahead of you and in
front of you today and making small, little realistic changes,
you know, is one thing you do without inducing too
much anxiety.
Speaker 1 (18:21):
I must check my lotto and see what happened with it,
because then I could go and buy an ev We'll
be back on a techiclar with Amanda Morral. What are
the things you're doing to, you know, make it easier
on yourself when it comes to your money in and out,
but also how you feel about it, because there is
the emotional reaction of just looking at something and going
you know, and feeling that not of anxiety because you
(18:41):
see the numbers tallying up at the pump. Do you
actually the other thing I'm doing instead of waiting for
it to get to zero, I'm just filling up every week,
and hopefully what I'm going to do every week is
see that I'm spending less because I haven't taken an
extra trip here or there or wherever. Your cause twenty
Karen's next, It's twenty five past five news talks. He'd
(19:04):
be news Talks. It be with Timbiver Joe. One hundred
and eighty ten eighty is the number.
Speaker 5 (19:09):
Karen, Hello, Hello, can you hear me?
Speaker 1 (19:12):
Yes, you're with me and Amanda Morrel.
Speaker 4 (19:14):
Yeah, Karen, Hi, how you guys.
Speaker 5 (19:17):
Great?
Speaker 4 (19:18):
This is my first time that I'm actually.
Speaker 5 (19:20):
At the radio station.
Speaker 1 (19:21):
So well done, welcome, thank.
Speaker 4 (19:25):
You, thank you. I just wanted to say that we
have two cars. We have a petrol V eight and
we have an Audi e Tron. So we have an
electric car, and we've had the Audi for well, we've
bought in twenty nineteen, and I what the plan that
we've got this this time with all of this. The
fuel going up is all about three weeks ago. I
(19:47):
went to fill the car up the Audi SORR. The
V eight had two dollars forty three and I was
quite proud of myself. So I parked it in the
garage and it's been sitting here full of gas.
Speaker 6 (19:59):
Good.
Speaker 2 (20:00):
So yeah, because now it's what three.
Speaker 4 (20:04):
Yeah. Now, my husband and I sort of squabbling over
who takes the electric car. I mean it sounds a
little silly and a bit tripe, but at the end
of the day. He's gone await this weekend to do
a home show down in the Hawk's Bay. I'm on
out to the airport to pick him.
Speaker 5 (20:18):
Up in the e Trons.
Speaker 4 (20:19):
So for us, we didn't want to catch you, but anymore, I'll.
Speaker 1 (20:23):
Drive the car.
Speaker 4 (20:23):
I work from home. My husband owns a solar rooftops
solar company, and we've got diesel vans and electric cars
for our sales team, but diesel for our installers, and
that's the part that we're really worried about. It's okay
for him and I have to squabble over who's going
to use the electric car, but when it comes to
(20:45):
filling up the tanks for the diesel trucks and vans
that we have roofs installers, that's the part that we're
really concerned about our business.
Speaker 2 (20:54):
How many do you have in your fleet?
Speaker 4 (20:57):
Now you're asking the wrong person, but I think I
want to say we've got nine branches throughout New Zealand.
We employ a hundred staff, or just over one hundred,
so I think we have about twenty thirty bands.
Speaker 2 (21:10):
So this is significant for you guys. I guess you're
probably looking at some reestions terrified.
Speaker 4 (21:17):
It's not good for us, you know. It's it's hard
enough in New Zealand running a business. Now this happens
and we've got to basically fill the tanks of all
our diesel bands. It's I don't know what the solution is.
Speaker 1 (21:29):
Well, what the solution is outside of our control in
a way, isn't it. Because what we need is for
the straits of the straight of Hormors to get opened up.
And I mean, you know there's a lot of fingers
crossed going on, isn't there, Karen, Well.
Speaker 4 (21:43):
There is, and I think we're all sort of in
the same boat. I mean, it makes us feel a
little bit better to know that, you know, we're not
the only ones. But at the same time too, you know,
we've got to put food on the table, and we've
got to support all our staff.
Speaker 6 (21:54):
Have you.
Speaker 2 (21:55):
I know another business owner and she has bound all
non essential trouble. But I imagine with your installers it
is all essential, but it are That's what we do.
Speaker 4 (22:05):
And the other thing too is, you know, our sales
inquiries we've doubled. You know, we were getting one hundred
odd leads and two hundred leads and now we're getting
four hundred. You know, because people are wanting to put
rooftops solder on and go go you know, go electric
and with everything they own, you know, inside the house.
And what's happening is, you know, so our business is
going to get really, really busy. So it's a bit
(22:27):
of a catch twenty two.
Speaker 2 (22:28):
Yeah, I guess you need to do some good forecasting
to determine whether they're buying a few evs are adding
them to your fleet mate.
Speaker 4 (22:35):
You know, we have we do have EV cars which
our sales people drive, but the vans there aren't any
EV vans available like for you know, you know, taking
solar panels and equipment.
Speaker 2 (22:51):
So that's so that's where perhaps you know, you need
the Saber truck.
Speaker 1 (22:56):
I was literally just thinking the cyber truck and I thought,
I can't believe I'm giving it.
Speaker 2 (23:00):
I don't even know. Is that still on the market.
Speaker 1 (23:02):
Yeah, I don't know. I don't know anyway.
Speaker 4 (23:04):
Well, yeah, there's there's lots going on, and we we're
sort of heavy involved in you know, rewiring at roller
with Mike Casey and pushing up the barrow because you know,
it's on electrifying everything and it really does now mean
that this is important you know, having having bands and
having installers that are driving electric vans.
Speaker 1 (23:22):
Okay, or well, we had a chat with the guy
from We had a chat with the guy from that company.
I think you're referring to Yeah, what's his name? Just
remind me Josh Ellison.
Speaker 4 (23:32):
Yes, I think John has spoken with him. Yeh yeah,
so we're sort of Yeah, John's really working hard at
you know, trying to keep this things afloat. So I
think for us, look, I try and do the small
things at home to keep things, you know, rolling, and
I think just sharing the EV is a good start.
But you know, god, it's a bigger story.
Speaker 1 (23:49):
It's quite a big start. Yeah, it does a big story.
But on the home front that is actually I mean,
you're you're very fortunate to be able to do that
with with EV because that's potentially quite a significant household
budgetary saving, isn't it.
Speaker 4 (24:01):
Well when the first it was the first lot of
audis that came into the country, the EV, and everyone said,
oh my god, it been electric Outer. You've got to
be kidding, And we were the first shipment and it
was in twenty nineteen.
Speaker 3 (24:14):
Oh my god, look back.
Speaker 4 (24:16):
Now, I'm thankful that we did grab one. They were
expensive too and have come back in price.
Speaker 2 (24:21):
Yeah, good on you and Jessica. What is the out
of curiosity the electrical bell on a full charge? And
how often do you have to charge it?
Speaker 4 (24:29):
We have a car charger in the garage if we
had I'm not sure of the exact price on how
to see John know's all details on this. But it's
not expensive to charge. It doesn't take long to charge,
it's a quick charge and it's economical. And I think
the previous property we had of obviously we had rooftop solar,
but we're in an apartment at the moment, so apartments
(24:52):
are difficult. Well for us, we can't put it. We
can't put sol on the roof there's too many people.
But if you had solar panels and you plugged your
electric car and then you're sweet, thank you.
Speaker 1 (25:04):
Thanks, right, recall Karen, nice to hear from you. You'll
have to do it again. Now you've done it once.
Now you've broken that, you've broken the seal. You have
to call again.
Speaker 4 (25:16):
I'll get my husband to right next time.
Speaker 1 (25:18):
Well, well, we'll talk again, Karen, catch you soon. See
how it is a bit like that with talkback. It's
but like you know, once you've not the top off
of the milk bottle, you've got to you've got to
keep drinking.
Speaker 2 (25:29):
Uh.
Speaker 1 (25:30):
Anyway, I've got a few texts here. Oh, I once
says Peter was a rather smug on my community support worker.
All of us are hurting if we do less clients,
that is less income. Yeah, I mean, it is one
of those things. I mean I do try and avoid
getting too heavy on it because the media is full
of discussions around what's going with the straits or moves.
Speaker 6 (25:49):
But I.
Speaker 1 (25:50):
It was interesting, she said. I she Karen said that
she almost feels better because there are other countries that
are a similar boat to us. And I would be
deeply much more worried if it was just New Zealand,
because no one's going to change anything for New Zealand.
But if a whole lot of other more significant economies
is struggling, the pressure on the United States ramps up,
and on Trump and the markets and all that sort
(26:12):
of thing, and so the pressure does mount up to
try and get something resolved. And as I say, for
the hundredth of time, fingers crossed, what do you think?
Speaker 2 (26:21):
Absolutely? You know, just going back to some very practical
tips like Karen parking the gas guzler in the garage
and then using the EB So it's interesting to see
younger people deal with this. So again, you know, I
use my twenty two year old asn't an example, you know,
only putting five dollars into the tank trying to an
(26:42):
AA has some great tips on how you can you know,
make more out of your petrol, which is like having
your tires inflated and not letting it, you know, run
down and running the car on empty because it used
more fuel. But you fill up your tank and then
don't let it go past you know, three quarters, just
top it up. Why is that because you when the
(27:03):
less you have in the tank, the more where it
actually sucks up. Really physics, Yeah, check it out on.
Speaker 1 (27:10):
That does sound like something I'm dying to fact check.
Speaker 2 (27:12):
But I did feel free because I've seen that in
multiple sources. So yeah, running running, not having your air
conditioning on easier said than done some days, you know,
having the tires well inflated, keeping a full tank, minimizing
non essential travel, et cetera. Those small things made out up.
I think for younger kids, you know, uh, you know,
(27:33):
maybe they're on their parents' credit card for for fuel
votures or whatever. But you know, they mean they're gonna
have to think hard, particularly those are paying for their
own petrol about where they're going and whether you know
that's necessary. Other people are trying to get to work
and don't have any other choices. You know this, this
is tough. Yeah, but I think at the end of
the day, like your family is doing, people will make
(27:54):
smart choices out of necessity, you know, and and hopefully,
like you're saying this will this will be short lived.
Speaker 1 (28:00):
Fingers crossed, That's my policy. If I was standing for
if I was standing for a and it was like,
what's your slogan, tim would be like, fingers crossed?
Speaker 2 (28:09):
Is it a bad said? And hope is not a strategy?
Speaker 1 (28:12):
Yeah, I look, well the other one I love is
there was just this is a trivial point, just while
we've got you all's talk about you know, what the
plan is to de escalat and all that sort of stuff.
And there was some quotes around plans and there's an
eyes on how who plan D Day and everything, saying
plans are useless until you need a new one, he said,
(28:32):
But the plans are useless, but you've got to have them.
But then there's also the famous Mike Tyson quote that
everyone has a plans until they get punched in the face,
with some getting these days, aren't we We'll be back
in just a moment, though.
Speaker 5 (28:47):
How are you?
Speaker 1 (28:48):
How are you? How are you managing your finances to
you know, go easy on yourself so you're not feeling
the pinch psychologically and financially. Oh, eight hundred and eighty
t and eighty, it's twenty one and a half minutes
to six News talks. He'd be News Talks. He'd be
with Tim Bever's talking about how you're making your finances,
how you managing them to ease your anxiety and also
you while eight ten eighty Amanda Morale is my guest.
(29:09):
She's a money coach and Scott Hello, Hello, how are
you good? Thanks?
Speaker 7 (29:16):
Hey, first time caller, But I'm just around running the
business is you got to look after yourself. We're all
in it for ourselves in terms of running our businesses.
And I've change the way how I quote really quickly.
You know, the freight works with fat and they have
a fuel adjustment factor and that might be something that
(29:36):
because this is could use in a short term. And
it sounds like that that soul of business this lady
was talking about is thriving and it's only ever going
to go busy and busier with everything that is happening.
The spotlight's on it right.
Speaker 1 (29:52):
Yeah.
Speaker 7 (29:52):
Takes a hard inflation, it's only going to go up.
Speaker 1 (29:56):
Yeah. And so what's your words of advice for her?
Speaker 7 (30:00):
I think she needs to look after her business. Don't
just suck it up because I'm not going to help
her past. You need to pass it on one way
or another year.
Speaker 1 (30:08):
I guess it depends on what the margins are, because
every business will be working out how much can we
pass on to the extent that it doesn't suddenly turn
demand off. And obviously the solar panel business demand is
going gangbusters, but other businesses might not be feeling that.
Speaker 2 (30:22):
And what kind of business do you run if you
don't mind us asking.
Speaker 7 (30:26):
I'm a general manager of a business.
Speaker 1 (30:31):
That's pretty business. What industry our food? Okay? Well that's
I mean, you see so food in terms of you know,
restaurant dining or just getting stuff around the country.
Speaker 7 (30:49):
I'm just moving around the country, okay.
Speaker 1 (30:52):
Because that is a tricky one. Because if the price,
I guess depends on whether it's an essential food which
people you know, like literally bread and butter sort of thing,
or the luxury food like Scotch phillt.
Speaker 7 (31:05):
Only food gets shipped around the country all on the
same palette.
Speaker 2 (31:08):
Though Yeah, yeah, no, there will be absolutely a knock
on effect to the end user, and if the end
users really squeezed, it will then ultimately rebound back to
the to the businesses, if you know, the supply round
rise up. So it is a conundrum.
Speaker 1 (31:21):
Are you concerned personally with the way you spend money
or manage you know, what you're doing when and how
and how much?
Speaker 7 (31:30):
Yeah, I mean definitely we run things pretty lean anyway.
We use our own home, our home, kill and heavy
beach again and that kind of stuff have for years,
so it's as usual. But we're definitely dying out less,
you know, yeah, less takeaways and that kind of stuff.
That's less driving. You don't go out to the lake
(31:50):
for a swim and.
Speaker 1 (31:51):
Yeah, yeah, okay, hey thanks for call Scott. Nice to
hear from you. I did love that. It's like doing
I'm a general manager of a business. It's like, yeah,
that's pretty broad.
Speaker 2 (32:03):
We've gotten down to focus, first time we have when.
Speaker 1 (32:06):
This is an absolute win. I'm not sure we could
call Beryl a first time caller, could we? But Beryl, Hello, No,
you couldn't call me that.
Speaker 3 (32:14):
And I won't ask how you and your guests are
because too many people are.
Speaker 1 (32:17):
We Thank you, Beryl, thanks.
Speaker 3 (32:19):
For asking, and I welcome.
Speaker 1 (32:22):
I say hi to your guest, Amanda Morale.
Speaker 3 (32:26):
Amanda, Hi, Amanda. Listen. Some cultural change for Pyra Wellington
and the Hearts, which is a bit of a worry.
We're we're going say, having our rates been internalized, our
war's been internalized in our rates. They're going to bring
in these meters and there is some show I say,
some suspicious out some suspicion out there, though someone had
(32:50):
told me that's on the nth. We're all going to
be charged about two hundred dollars each, just like getting
the measure of the wharf we've used per household. That
we're all going to be charged a standard rate of
two hundred because of the neglect of those council over
our pipes and Dane.
Speaker 6 (33:07):
It's so sort of for.
Speaker 3 (33:09):
All of us, w you're on a limited income or not,
it's a bit of a worry. And my question to
you and Amanda, is any substance to this theory or
no idea.
Speaker 1 (33:21):
I thought you were calling about saving and just how
you're going about saving money.
Speaker 3 (33:24):
Beryl, Oh, I can tell you that I am going
to be shopping once a fortnight instead of every week
because I think I saved moneys here. And I'm also
going to be doing, you know, a lot more walking,
and I'm going to be I've got a car, but
i am I'll be looking around to see what I
(33:44):
can do about doing discounts for petrol for the car
when I have to. But I'm going to be definitely
be doing a lot more walking.
Speaker 1 (33:52):
And seat of actually, you know, planning ahead on the shopping.
Actually doing a once I mean that does take a
bit of planning to budget, you know, to work out
what you need for the next couple of weeks. But
that's not a bad move, actually, I mean penning up
to the supermarket.
Speaker 2 (34:06):
No, it's practical things and there's you know, there's a
lot of research around in pulse buying. When you're not
organized and planned, planning your meals during the week, and
you just load up your trolley when you're hungry coming
home from work.
Speaker 1 (34:17):
So you know, actually I do. Actually I imagine you
would potentially save quite a bit because the more you
go to the supermarket, the more times you're passing something,
I might just get that, whereas actually, the other one
I would have thought would be not a bad suggestion
is actually just making a shopping list from what you
absolutely need and leave it at that, because you know,
you know, there will be some people who go to
(34:39):
the shops and their way of shopping is literally they
walk around and then go, oh, I need some of that,
and then see something, Oh I need some of that.
I need some of that, as opposed to if you've
got a shopping list, you stick to it.
Speaker 2 (34:50):
It's always very helpful. I like to challenge myself with
what's in the fridge. My fridge is pretty bare at
the moment, but I have a look in there and
what meal can I make with what is currently in
the fridge of the cupboard. And I love the challenge.
So you know, again, if you approach some of these
these problems with the creative sat yeah.
Speaker 1 (35:06):
The movie kind of Actually here's another way you can
use because we were talking in the last hour with
Brian Betty about in the use of AI or involved
in health care. But the other one is which is
a doozier. And I started doing it just because we've
started growing a few herbs in the garden and I
wanted to do something with herbs, herbs within h herbs.
(35:28):
And I you just look in your fridge and you go, okay,
I've got some of this, this and this, stick it
and chat GPT, so what can I make with this?
Give or take some extra ingredients that hopefully I've got
as well. It's pretty clever.
Speaker 2 (35:44):
Way. Why not? No, I'm a regular user of chat
big fown. You can throw a few questions at chart.
I'm sure it'll come up with some creative It's just
as well.
Speaker 1 (35:53):
We might come back and squeeze another call before we
wrap it up. It's eleven and a half minutes to six.
News Talk said B. News Talk said B. We were
talking budgeting. I'm Tim Beveridge, my guest is Amanda Morrale,
and one last call to wrap it up.
Speaker 6 (36:05):
A hello, oh, yes, good evening. It's even down the
South Island, is it?
Speaker 1 (36:12):
I guess it is getting bit done, isn't it. It's
not six o'clock yet.
Speaker 6 (36:16):
Yes, oh, well, anyway, this is called I call this
saving petrel is living in isolation, and it's not a
healthy thing, apparently, living in isolation. So I'm wondering. I
did save money on petrol because I only went to
(36:38):
the shops twice and I went to country music twice,
so that cost me seventeen dollars for the fortnight. It's
given me a couple of outings. But I'm feeling like
going to Tomoka. God's country music out at Tomoka next week.
So should I deny myself that trip or stay in isolation?
Speaker 1 (37:01):
Well, I think if you we need people need people,
don't we And sentence said, don't.
Speaker 6 (37:07):
Don't think the way they treated the elderly, it's terrible.
You know they give everybody else a fifty dollar rise.
Speaker 1 (37:17):
Well it's not everybody else, it's it's a target. It's
assistance for people who have to go to work and
all that. And look it's not perfect, does it dieing?
But please don't know. Don't isolate yourself though.
Speaker 6 (37:27):
Please, My husband, my son is a b M Bees,
so he'll be paying his way all the way for
the yeah, going around the Bees from here to in
the Cagle and here to twice it all costs money.
So I think this government will be really out on
(37:50):
the next election.
Speaker 1 (37:52):
Right. Oh well, I don't know, because it depends whether
people want a government that's going to just spend money
for the sake of it as well. But the different
that's it's a challenge for the government, doesn't it.
Speaker 2 (38:02):
Absolutely, But just getting back to your original point. Hopefully
you've got good community out where you live, and you know,
I think the common sense for all needs to apply here.
You know, if if you're going to run yourself into
a deep dark hall and depression by not getting out
so you can save yourself five bucks a week, that
makes zero sense. But I think there's just some other
(38:23):
people been making a lot of frivolous travel here and
there that those kind of people need to cut back.
Speaker 1 (38:29):
There's a text here, a couple of techs. Well, I
got quite a few texts on the money thing. I
think this is quite interesting one. The best way to
save money is to eat your fridge and don't shop
until it's empty. No waiste, no throwing food out to
make room for fresh food, et cetera. Yeah, that's an
interesting one. But also, of course, if you're going to
have trouble shopping. There's there might be some core items
(38:51):
you want to be stocked up on. I mean, so
you don't want to eat yourself down to the bone.
But that I know it, no, Murray means.
Speaker 2 (38:58):
That's a good philosophy. I guess too. What I would
say is there's a lot of people who don't know
how to cook these days. Sadly, I'm talking about some
of the younger people, and they're they're relying more heavily
on you know, the lakes of uber eats, et cetera.
So they could stand to use a few tips about
how to creatively cut and make soups and stocks and
you know, freeze things so make things go a longer
(39:19):
way about. Sadly, I think that art has been lost.
Speaker 1 (39:22):
Somebody said they googled about whether the gas consumption goes
down per kilometer when the tank is near empty. Google
said it actually becomes slightly more fuel efficient due to
less weight. However, the difference is negligible. But that's the odds.
With somebody who said that there's more evaporation in the tank,
I think that might be the other side of it. Chaining.
My producer Tyra, she's got a great way of saving
(39:44):
money on the on the on the evening meal ship.
They've she's got a few road possums. They just shoot
the possums. And I think she's gonna think she's thinking
you're going to put them into pies. I think she's
gonna I think you can have poss and pie can't
and by some from you, No, she's she's delightfully rustic.
I'm sure you can make poss and pies work. I'm sure, Tyra,
not on the night you invite me for dinner. Anyway,
(40:10):
any last sort of I feel like I'm going to
say any last requests, but we've got about thirty seconds
to go. Any last comments there, Amanda, No, I.
Speaker 2 (40:18):
Would just point people to again, you know, some good
reasons out there. Crayon's one of them for those employers
who may want to investigate some subsidy programs to help
help up their workers, et cetera. And there's plenty of
budgeting resources out there. It's all out there.
Speaker 1 (40:34):
And keep in touch with your friends and family, don't
isolate yourself. Of course, we're not there yet, Okay, so
fingers crossed as I say, anyway, Hey, love to see you, Amanda.
Speaker 2 (40:42):
Great to see you.
Speaker 1 (40:43):
Thanks for popping in and we'll catch you again and
thank you. If you've missed any of the hours, you
can and check them out on the News Talks website
or on iHeartRadio. Of note, I'd recommend having a listen
to My chat with Winston was quite informative in a way,
but always entertaining. It was Winston back soon, sorry, not
back soon, sounded out. Six is next. I'll be back
next weekend. Catch you soon.
Speaker 6 (41:04):
For more or from the Weekend Collective.
Speaker 1 (41:06):
Listen live to News Talk ZEDB weekends from three pm,
or follow the podcast on iHeartRadio
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