August 8, 2023 • 26 mins
Have you ever considered how much you spend on convenience food? Or how the design of a golf course could impact your game? Join us for a spirited chat as we examine the half-year numbers from Domino's and Greggs and the financial implications of our lifestyle choices. We'll also give you an insider's look into the architecture of golf courses and share a delectable banana loaf recipe.
In the latter part of the discussion, we dive deep into the sobering reality of housing market dynamics, exploring how they relate to income levels. We question the government's role in providing housing assistance and ponder over the effectiveness of speed limits in reducing carbon emissions. Tune in for some thoughtful debate on how we could navigate the financial tightrope by cutting back on non-essentials. You won't want to miss our money-saving tips that could reshape your financial perspective. Join us in this enlightening conversation that seamlessly blends finance, golf, and baking.
Free budgeting spreadsheet below.
Stay well, stay motivated and most of all stay educated.
https://www.sanfp.co.uk/
Recording Equipment
📘 Our Book
🎙 Podfollow
❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here
🏠 The mortgage Course
📰 Budgeting Spreadsheet
I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.
👉Subscribe Here
Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ
✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8
✅ The Importance Of Pensions:
...
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hi.
On today's podcast we're goingto chat about fast food, sunday
roasts, the houses of parliament, affordability of home purchase
and at the end we may have alittle financial tip, so enjoy.
Speaker 2 (00:24):
Cool, cool.
Are you today Any golf thisweek?
Speaker 1 (00:33):
Yeah, played golf last week.
Played golf this week.
Played two rounds last week,thursday and Sunday.
Speaker 2 (00:41):
Oh, you played Sunday as well.
Played Sunday.
Let's see how you sneak out forthat one.
Speaker 1 (00:46):
Everyone else was asleep.
My brother-in-law was down,Hello.
Speaker 2 (00:49):
James, what time do you play?
Six o'clock.
Speaker 1 (00:51):
We teed off at 6.45.
Yeah.
Speaker 2 (00:54):
You shouldn't be playing golf that early.
Speaker 1 (00:58):
It was like a morning in Mallorca, where'd you play
Coddle Park in Cardiff, weoverlooked the valleys.
Speaker 2 (01:06):
That's not even close is it?
Speaker 1 (01:07):
It's about 20 miles away.
It was nice and sunny.
Speaker 2 (01:11):
You didn't go one right in your doorstep, did you?
Speaker 1 (01:12):
Three.
Speaker 2 (01:13):
Oh, you had actually three, so you thought you could
have won 20 miles Every coursethat you passed on the way to
your 12, 20 miles away At leasteight.
Speaker 1 (01:21):
It was superb.
The sun was coming up, the dewwas on the grass, the birds were
singing and we roamed a goodwalk with the golf.
My brother part of the firstone.
He thought, yes, superb.
Speaker 2 (01:36):
Oh, he could have shot yeah.
Speaker 1 (01:38):
And he lost and James , I know you probably were
listening, I'm not taking themic out of you, but how he's
lost to me on Sunday wasunbelievable.
There's more bunkers in CotterPark on the button course now
after me on Sunday than therewas at the start.
But it was horrible.
Near the end about the 14thhole it just started to rain and
(01:58):
that's my excuse for everythinggoing off left, right and yeah.
But we were lucky.
We got out early, finishedearly, david, the kids then
24,000 steps done, shattered onSunday early to bed.
But it was really reallyenjoyable playing and I've
realized that I can.
The more I play, the worse I amgetting at golf.
You know people.
(02:19):
You know.
The more you do things and themore practice you get, the
better you get.
I'm getting worse.
Speaker 2 (02:25):
That's probably more so because you're playing more,
so you're noticing more, you'replaying with.
The first couple of timesthere's a bit of fun, a bit of a
laugh.
Now you're going to be moreserious and you're like well,
I'm not playing well enough now.
Speaker 1 (02:33):
No, no, no, the few times before that, I noticed the
golf ball going into the waterand I still noticed it going
into the water.
Speaker 2 (02:41):
Again, what was it yeah?
Speaker 1 (02:44):
And the funny thing is these, these architects of
golf courses, are super in myeyes now, because there is a
pond, a puddle, and your eyesget drawn to it on the left.
But to the right, 150 yardsfrom the edge of that pond going
right, there's fairway grass,rough.
(03:06):
The golf ball always ends up inthe water, just curls in.
Speaker 2 (03:14):
The joy golf that is.
Speaker 1 (03:18):
I know it's a boring subject.
We're talking about this costof living, cost of lifestyle
crisis.
Two half year numbers came outthe other day.
Last week, domino's and Greg's,so basically fast food.
Speaker 2 (03:34):
Two ends of the spectrum of cost.
Speaker 1 (03:37):
Domino's half year numbers Revenue increase 19.6%
and Greg's 21.5% increase insales from last year.
What's the pre-tax profits?
63.7 million.
So numbers people arecomplaining about.
Speaker 2 (03:59):
Do they give a reason why they think their numbers
are gonna happen?
Speaker 1 (04:02):
People are spending more money.
Speaker 2 (04:04):
Yeah, it's how many people are not like taking their
own food to work and thingsCause we've got a Greg's on me
across the road and if you don'tget in there before one o'clock
you just get the dregs that wasleft on you.
Not that I kind of go overthere very often, but we might
go over there being an athlete.
Speaker 1 (04:20):
Maybe once every three weeks for a quick bite or
something.
It's not often but if peopleare complaining about not having
money, you know these mealdeals and you go and a bottle of
pop, whatever sandwich, youhave a packet of crisps and then
the enticement of all thecookies or the sausage rolls
(04:43):
it's seven quid gone.
Seven quid times five days aweek is 35 quid.
That's 70 quid every two weeks.
That's 140 quid a month.
Speaker 2 (04:53):
It's like we got a freezer in the office and we
were like I keep my meals, whichI make myself at home, and they
cost me less than two pound ameal to make.
Speaker 1 (05:02):
Convenience time.
Speaker 2 (05:03):
It doesn't take me long though.
Speaker 1 (05:05):
But that's the whole.
Thing.
Speaker 2 (05:07):
I get it though convenience, when people can't
cook.
Two people are lazy, threepeople are just very lazy.
Speaker 1 (05:14):
Do you know what I cooked yesterday.
I should have brought it intoyou.
I know you wouldn't be able toeat it.
My sister-in-law came down theweekend, hello Kat, so I'm not
gonna rip you like I rip James,and she brought down banana cake
, banana loaf.
Speaker 2 (05:28):
Oh, I like banana loaf.
Speaker 1 (05:30):
I made it yesterday First time ever.
Speaker 2 (05:32):
They gave me the recipe today, yeah.
How did you Google?
Speaker 1 (05:34):
it.
No, she gave it to me and itwas from a baby lead weaning
recipe.
Speaker 2 (05:40):
It's really soft then .
Speaker 1 (05:41):
Really soft.
Speaker 2 (05:42):
Well, I suppose it should be soft, but I suppose,
oh, you overcooked it a bit, ofcourse I did.
Speaker 1 (05:48):
It wasn't the worst.
In fairness to my wife, she'sturning into me a bit.
She went, had a bit and went.
That's not the worst.
Years ago she would have.
She would have thought the worstyeah, but that's exactly what
I'd say.
I like she's turning into me.
She went no, for a first effort, right, that wasn't bad.
I missed putting some spice orsomething into it, but it wasn't
(06:09):
bad.
The only bad downside of it iswhen my sister-in-law was down,
I went what's the calories?
And she went oh, a slice is 203calories.
I went Jesus, that's, like youknow, less than more than a bar
of chocolate.
Speaker 2 (06:21):
It's closer to heaven though.
Speaker 1 (06:22):
Oh yeah, but it's supposed to be healthy.
A banana loaf Nothing healthy.
Speaker 2 (06:27):
A banana is a healthy , apart from if you read the
government guidelines.
People still think they'reactually eating grains and yeah,
all that type of stuff Cerealsis actually good for you, but
it's not.
It's all I've dated here's onefor you.
Speaker 1 (06:41):
Food.
I'll finish up Inflation.
They said they'll ask the foodprice inflation 13.4%.
Is there a new inflation now?
But pub and Kent right.
Speaker 2 (06:52):
Just go back to those .
So, people, domino's is reallyexpensive and actually not
particularly great pizza andthey've seen that much uplift in
do you know?
What I reckon a big part ofthat will be as well is that
there's more delivery Uber Eatsdrivers as well, because we've
got one over on our estate atDomino's and there is so many
(07:13):
delivery drivers going back andforth the same with the chip
shops, same with the Indian,same with the Chinese but no one
really ever goes to the subway.
That never seems busy.
That's just mad Like, becausethey're expensive.
We go into McDonald's, you canbuy by 10 of those type pizzas
in all the old little.
Speaker 1 (07:30):
Yeah, we go into McDonald's, maybe on a Saturday
or Sunday, maybe the little manand he'll have a flatbread in
the morning £1.49,.
All of a double espresso 129.
We'll sit down, he'll play onthe games there.
And there is a single segmentfor delivery Uber drivers,
whatever they just come inConstantly.
(07:50):
They've just got their helmetsstill on.
They just look for the numbers.
They've got beep and they'regone.
Speaker 2 (07:54):
Part of the disabled base.
Speaker 1 (07:55):
Anyways, pobbing Kent , right Called the Queen's Head,
it's offered.
Last a week, a week and a halfago, two weeks ago, it said it
offered diners the chance toenjoy a Sunday roast without the
worry of cost.
So they hosted the first paywhat you can afford roast.
I'd love to know how thatturned out, because we talked
(08:17):
about this right.
Some people would go in andthey'd go.
Oh, I feel a bit guilty now I'mgoing to give them £12.
How much would you pay for thatSunday roast?
If they said to you here's thebill, wipe it, just pay what you
can afford.
What would you give them?
Speaker 2 (08:32):
Well, pay what you can afford.
I didn't hear that bit of itbefore.
Well, like that's different,isn't it?
But if I had to pay what everfor it, how many of us are
eating?
Speaker 1 (08:42):
That says four of you .
Speaker 2 (08:45):
Four pence Is that awful If you, if you just say
pay what you want, I literallyI'm gonna pay four pence.
Speaker 1 (08:58):
But pay what you can afford to most people working
that out now.
Speaker 2 (09:01):
Like in reality I probably, if you can afford 60
quid.
Speaker 1 (09:05):
you know, because that's what a Sunday roast is.
You could afford 40 quid 40quid.
Speaker 2 (09:08):
So I would in reality , if I kind of took my my normal
hat off, whichever isn'tactually put on sensible hat,
I'd said, I'd probably say veryminimum tenner each.
I think you have to.
Speaker 1 (09:23):
Do you think some of them are going, some people will
pay?
30 quid and someone will pay afiver.
Speaker 2 (09:31):
I don't know.
I think it all comes down tothe type of person you are
anyway, because some people betoo embarrassed to pay too
little.
Speaker 1 (09:36):
Yeah, they would.
I think they actually would.
Speaker 2 (09:38):
Interesting concept.
I'd be interested to know how,what the kind of average spend
per head.
Speaker 1 (09:44):
They said it was a one-off trial.
Speaker 2 (09:46):
They didn't release what their average spend per
head was.
No, that'd be interesting.
Speaker 1 (09:49):
I try and reach out to them Right.
What's the best roast in?
Speaker 2 (09:54):
One meat.
Speaker 1 (09:55):
Oh, yeah, yeah, because all the other stuff is.
Speaker 2 (09:59):
Slow cook lamb Lamb shoulder.
Speaker 1 (10:02):
Okay, okay.
Speaker 2 (10:05):
On, then beef.
Speaker 1 (10:06):
Beef yeah.
Speaker 2 (10:08):
Pork.
Don't really like anymoreChicken.
Speaker 1 (10:11):
You can have it on anything, everything.
Speaker 2 (10:13):
Yeah, lamb, but it's got to be like a, you know, a
six to eight hour slow cookshoulder lamb with a bit of
rosemary and garlic and oliveoil, and we just been talking
about people that can't affordto spend ten minutes making a
sandwich.
Speaker 1 (10:27):
That's expensive, yeah, trimmings.
Then what do you put on?
Speaker 2 (10:33):
You can have a Yorkshire.
Speaker 1 (10:35):
Standard yeah.
Speaker 2 (10:36):
Whether it's beef or not.
Speaker 1 (10:38):
Yeah, yeah.
Speaker 2 (10:39):
Roast potatoes.
Do you like his pigs in blanket?
No, like a bit of stuffing.
Speaker 1 (10:44):
Okay.
Speaker 2 (10:46):
Cauliflower cheese.
Speaker 1 (10:46):
I was gonna say cauliflower cheese, no.
Carrots peas, yeah, a medium toveg man yeah.
Speaker 2 (10:53):
Broccoli, gotta have a good gravy.
Can't be a bistro, though.
Speaker 1 (10:58):
True.
Speaker 2 (10:59):
Like a nice homemade gravy.
Speaker 1 (11:01):
Yeah, yeah.
Speaker 2 (11:03):
If it's a bistro, I won't have it at all.
My wife's testament to thatShe'll tell you.
She makes really good gravywith the roast.
Speaker 1 (11:11):
Do you have a freeze leftover gravy?
No, because of the leftover.
Speaker 2 (11:16):
No, they usually is loads.
Actually Never freeze it,though, but I can't stand bistro
.
I can't stand instant gravy.
Everyone has said before it'sdisgusting you know Christmas
time you have the.
Speaker 1 (11:28):
Sometimes there's a bit of a different taste on
gravy.
You know you've got to save it.
Put it into little ice cubes,save in the fridge and then the
stock and then dip that in tonormal gravy that you make over
the course of your Christmas.
Speaker 2 (11:40):
We've always got proper stock though knocking
around.
Speaker 1 (11:43):
I wonder how many calories are in a roast?
Can't be healthy for you.
Speaker 2 (11:48):
But it'll be 1200, 1400, I thought.
Speaker 1 (11:51):
She's the roast potatoes, isn't it?
Speaker 2 (11:53):
And you go to the ones Toby Carvey's on that
You're on the two large plates,the extra large plate, but you
can get out of it.
There's a trick to TobyCarvey's course there is.
You go up and they're like oh,which meter?
Like all of the hand, please,no-transcript.
Oh, actually I'll have someturkey as well.
By then they're going tomassive slice of the one meaty
(12:14):
and then they're a bit like oh,I don't know what to do now.
So if you get it right, you canactually get some good portions
of meat in there.
Speaker 1 (12:19):
That's not the tip we're going to set the end
that's the thing that won't giveyou lots off, is it.
And you can't over stuff theplate initially with loads of
veg, is it Because everyone justgoes up and down and up and
down?
Speaker 2 (12:33):
I use loads of roasts .
It's normally roast potato.
I like a roast potato 27 is myrecord.
Speaker 1 (12:37):
years ago in the Tobi Carvery, 27 roast potatoes.
Speaker 2 (12:41):
I don't really like a Tobi Carvery.
It's a little bit of a carcrash.
The whole meat thing it's all abit dry.
Sorry, the veg is all a bit dry.
The cauliflower cheese doesn'treally have any cheese left on
it and gem real a little bittasteless.
If I'm honest, I don't reallylike Tobi Carvery.
Speaker 1 (13:01):
I don't even know how much it is anymore.
Speaker 2 (13:02):
If I had a Tobi Carvery I would probably have
said off the main menu, yourburger or something.
I went to one recently wherethey actually had a pizza oven.
They had pizza instead.
Fancy on the roast.
Speaker 1 (13:17):
Did you hear lately?
This is flowing so well today.
Speaker 2 (13:20):
If it's in the news, probably not.
Speaker 1 (13:21):
Fair enough.
It isn't news when you'retalking about restaurants.
The restaurants not restaurantrestaurants in the House of
Parliament are reducing theirhours of work in there Because
they're down or they're short 38chefs 38 chefs, Not waiting
(13:42):
staffers.
They're short 38 chefs, whichaccounts for the 650 MPs and
they've got some like 14,500pass holders.
I presume that's X people.
They can come in and out andthey said visitors.
Speaker 2 (14:00):
The people pay for that food, or is that such?
Oh bloody nose?
Probably, if they do pay, it'sprobably subsidised.
But 38 chefs, how manyrestaurants are in there?
Politicians pay for anything.
Speaker 1 (14:10):
The Monday club, the Tuesday club, the way Wow, it's
just like how many of themactually go in there.
You see, there's nobody.
I'm presuming it is subsidisedby somebody.
Speaker 2 (14:22):
I can't imagine the politicians pay for it.
They don't pay for a lot, dothey?
Speaker 1 (14:25):
No, they don't pay for a hell of a lot, in fairness
.
Speaker 2 (14:27):
They don't give a lot back either, do they?
Speaker 1 (14:29):
Well.
Speaker 2 (14:30):
It's not getting into that.
Speaker 1 (14:31):
Yeah, they give them.
They do clinics when they'rerunning for re-election, so they
do give a bit back.
What would you like me topretend I'm interested in, to
listen to you, to get your vote?
Oh yeah, they're probably verygood at acting that aren't they
but they're not short of a poundor two, are they?
And I could be wrong.
Though they can vote on theirown pay rises.
(14:52):
Was that true, or I don't know.
Speaker 2 (14:55):
Probably it's corrupt as you can ever make it, isn't
it?
Parliament, government?
Don't start me on thegovernment.
Speaker 1 (15:01):
Don't think I ever be ever be a politician.
Well, I couldn't.
I don't have the right, therelevant paperwork, but
otherwise.
Speaker 2 (15:07):
Well, you'd have to be open to commit fraud,
wouldn't you?
If you're a politician, thatseems to be the general rule of
thumb, doesn't it?
Speaker 1 (15:12):
No just lying Game mates in, just lying, gonna, you
know, just deny it all in.
Later I got on to pay rightHouse prices.
Well, you know more about thisthan me.
I don't know a lot about thisstuff, but there was something
on some thing that came throughon an email the other day that
the affordability ratio ofaverage house prices and it
(15:34):
showed it 1999, it was, Ipresume, four.
It was a four to one in termsof the value of the house, the
cost of the house versus theperson's salary.
Speaker 2 (15:44):
Oh okay, four times yeah.
Speaker 1 (15:45):
Now it's 8.4 in England and 6.4 in Wales.
So you know, is that making itless affordable?
Speaker 2 (15:54):
for people?
Yeah, because prior to theinterest rates going up, you
probably really you probably getanywhere in the region of four
and a half to five and a halftimes, depending on income,
outgoings etc.
Some lenders obviously stretchto the five and a half times
Depends on your income.
But now you're probably luckyif you get four times really you
know income.
So even based on those statsyou're given there's six and
(16:17):
eight you will never reallyreach those anyway.
Be a hell of a stretch.
Do you know what I mean yeah.
So, but it's getting worse.
Do you know what I mean?
Because and I think you showedthis on a presentation you did a
couple of years ago, wasn't itthat actually, the speed of
house prices have risen comparedto income does not correlate
(16:37):
whatsoever.
Speaker 1 (16:38):
Yeah, there's a I can't remember the exact figures
you probably got them somewhere.
Speaker 2 (16:41):
But for argument's sake, it was like back in the
90s, 70s or whatever.
Average income was like 15grand or something and it's now
28, but the house prices areprobably 10 times what they were
then.
So it doesn't kind of correlate.
Speaker 1 (16:53):
I think that 10 million.
It was something silly though,yeah.
Something like 32 grand for thehouse and 16 grand salary makes
sense, and then 28 grandagainst 320.
Speaker 2 (17:03):
Yeah, exactly, it was something.
We'll do another one on that,but it was something.
Speaker 1 (17:12):
I read some.
Print this out.
Here you're on almost eightmillion people on financial
knife edge, which says almosteight million people have been
overlooked during the cost ofliving crisis and now in the
brink of serious hardship.
Well, they only surveyed 4000people.
They are how, ask them, how arethey coping financially,
(17:33):
physically and mentally?
Of those seven point ninemillion adults of the uk
population said they tend toborrow money to maintain their
basic standards of living ratherthan cutting back on essential
essentials like food andelectricity.
Speaker 2 (17:51):
It's getting worse and worse but that's a weird one
to say that instead of cuttingback on food and we can't really
cut back on those things we cancut back on is going to the pub
, or Greg knows.
Greg, so that's kind of reallybadly written.
By which is it was it was about?
Speaker 1 (18:07):
yeah, it is which.
Speaker 2 (18:10):
That's really badly written because they say people
should consider cutting back onthe gas.
You can't just cut back on thegas and it doesn't work.
Speaker 1 (18:18):
No, they may have borrowed money to maintain the
basic standards standards ratherthan cutting back on essentials
like food and electricity.
So the borrowing?
Speaker 2 (18:26):
more to keep going.
Yeah, we are true yeah, that'sreally bad word about that.
I think it's kind of like youneed to be cut back on your non
essentials, you know, like youreating dominoes and Greg's and
all those things you can seeLoad somebody.
Speaker 1 (18:43):
I can't pronounce the guy's name.
Director of pop policy.
Now advocacy said thegovernment must help those in
need by tightening regulation Onby now, pay later to stop on
affordability.
I think I'm the government moreconcerned about getting 38
chefs in.
Speaker 2 (19:01):
I mean they're concerned about making every 20
mile an hour speed limit.
That's not gonna be sure that'smeant that's helping anything
apart from costing thegovernment even more.
Speaker 1 (19:10):
It's.
It's gonna.
It's going to increasesustainability of the world by
lesson, using less fuel orpollution, but it's not gonna
increase your journey time, eventhough you're reducing a speed
by a third.
Speaker 2 (19:22):
I would love to know, right, how much going slower
reduces the carbon emissions andall that stuff they talk about.
Because I'm not convinced.
Right, because he's a goodexample the M4 in Cardiff in
from Cardiff through to Newportup towards London the Welsh
capitals car park.
(19:42):
Yeah, the car park right, sothat 50 mile an hour limit thing
causes people to drive slower,therefore causes more congestion
.
If you're going to be quicker,we went through it.
If you widen the motorway aswell, surely being stood still
is far more polluting thanactually getting ever moving.
Speaker 1 (20:01):
I think that maybe there's some widening the room
but then then my car is thisstop start.
You know when it stops itautomatically cuts out.
And I don't know.
I've always had the impressionthat it takes more energy to
kick, start to go.
I have no idea, no idea anymore.
Speaker 2 (20:19):
I've given up even worry about and have you seen
this I don't wear red somewhereabout the electric car drivers.
Now we're looking at taking thegovernment to court over the
fact that why should they haveto drive 20 mile an hour or 50
mile an hour on motorways?
And so because, then all theones polluting the earth Good
shout, that's a great why can'tthey drive faster?
Speaker 1 (20:40):
that's a great shout.
Speaker 2 (20:42):
Just blinking good, does I mean so soon we all go
electric is 30 the speed limitis going to increase now,
they're not.
They.
Speaker 1 (20:50):
Wow, yeah, that's a great show that's it.
Speaker 2 (20:53):
There is a, there is some sort of case being taken.
The courts somewhere in the UKbelieve.
Speaker 1 (20:59):
Well, that would be the fact that there.
Speaker 2 (21:01):
why should we be penalized for having to drive
slower if we got electric car?
Speaker 1 (21:05):
Well, that would be an incentive for me to, instead
of getting a 40,000 pounds a forgetting a 70,000 pounds
electric a for Price number just.
Speaker 2 (21:17):
I mean listen to a lot actually about on some
podcasts about business ownerswho own kind of like car garage
things.
They are they're all very muchconvinced that will either find
a new fuel before 2030.
But they don't think that we'llgo fully electric by 2030.
We will never go fully electric.
Speaker 1 (21:34):
You haven't watched it yet, but the them.
There's a Disney charactercalled like McQueen Is a car and
in one of them.
Interesting with this car is tothis guy is A Land Rover and
he's he's gone trying to cruisearound the world and it ends up
that he gets lost in some jungle.
He comes back and said I'velived on fossil fuel Sorry, not
(21:57):
fossil fuel, but some new energyfuel.
So he says fossil fuels, thingof the past.
We're going to use this thingcalled all in oil now and it's a
kids program.
And it ends up that he'spromoting this.
All in oil, all in all, all inoil.
And and the racing that's goingon around the world, he's got
guys that are shooting the cars,blowing them up.
(22:17):
So it basically means peopleare going oh no, so the price of
fuel, fossil fuel, goes down.
He buys loads of it.
They promote this all in all,all in oil, and it doesn't work.
He's got all the fossil fueland he tries to make a fortune.
He gets caught out.
I wonder the grand scheme ofthings.
Are the governments of theworld pushing you to do electric
(22:39):
things, buying up All thisfossil fuel?
Oils start all of a sudden toget more money.
Speaker 2 (22:45):
You never know.
You think the billions aregoing to cost to kind of turn to
that and like I'd be interestedto know, like how much
Difference that is going to makethe damage we've done to the
climate.
I'm old, but what are you goingto do about thing?
Some of the biggest pollutersout there, like your lorries,
your Ferries, your aeroplanes,they are going to go electric of
(23:07):
a, because I'm not flying toAmerica in an electric airplane.
I can tell you that now.
Speaker 1 (23:14):
Well, let's not go down there, because the
aeronautical Sector is allEnvironmental, because Heathrow
Airport is in an environmentalfund, so it's, that's all okay.
Oh, wait a minute, they don'tthey don't include the planes.
Speaker 2 (23:28):
It's very good.
Everything lands on there.
I actually calls it.
That's a farce in its own,isn't it?
It's in a, in a ESG fundHeathrow Airport, because it has
solar, it has wind, it has allsort of energy producing, but
that doesn't take into accountthe, the large vehicles landing
landing.
Speaker 1 (23:44):
Yeah, it's not part of us.
Speaker 2 (23:46):
But hey, it's all about how you write the contract
absolutely so.
Speaker 1 (23:50):
We know from the guy that swindled the councils there
recently.
Oh, yeah, that's an interestingarticle my touch base, not
again in a later date right here.
Here's a tip for those people.
I just thought of it now, aboutthe money and Greg's and all
that.
Everything we do anymore iseither Apple, google on your
(24:14):
watch, on your phone, bing, bing, bing, nick.
Sunday night, go to the cashmachine, take 30 quid out.
That's your spending money forthe week, but that's that's it.
You can buy whatever you want.
You can buy all your food tocook.
You can buy Greg's Probablyonly about three times a day a
week.
But log out of Amazon as well.
(24:36):
Log out of eBay, log out ofVintage, whatever other apps.
Close all notifications down onthe phone, like you do, and
spend a week Sunday or Monday toSunday living on that 30 quid
if you can and buying no Nothingon impulse buying when Amazon
(24:59):
or someone sends younotifications.
Speaker 2 (25:00):
So she means as well as impulse from where you see
and see you.
Speaker 1 (25:05):
See that you don't actually need to buy any of that
crap.
And all of a sudden the crisisof the cost of living evaporates
because you're not wastingdigital money that you don't
have a physical interaction with, and it's you're saying you're
not spending as much.
(25:25):
Where's the, the physical money?
You are conscious when you givein Greg's or where it may be a
tenner, and you get 2 pound 20back, you go, wow, that cost me
750 or whatever it may be.
It's, it's just a differentmindset, it's, it's basic common
sense.
Try that for a month.
Guarantee you, you, you willbecome more or develop a better
(25:46):
understanding and relationshipand money habits with yourself.
Speaker 2 (25:51):
Yeah, I'm saying.
Speaker 1 (25:53):
See you next week.
Hi.
On today's podcast we're goingto chat about fast food, sunday
roasts, the houses of parliament, affordability of home purchase
and at the end we may have alittle financial tip, so enjoy.
Speaker 2 (00:24):
Cool, cool.
Are you today Any golf thisweek?
Speaker 1 (00:33):
Yeah, played golf last week.
Played golf this week.
Played two rounds last week,thursday and Sunday.
Speaker 2 (00:41):
Oh, you played Sunday as well.
Played Sunday.
Let's see how you sneak out forthat one.
Speaker 1 (00:46):
Everyone else was asleep.
My brother-in-law was down,Hello.
Speaker 2 (00:49):
James, what time do you play?
Six o'clock.
Speaker 1 (00:51):
We teed off at 6.45.
Yeah.
Speaker 2 (00:54):
You shouldn't be playing golf that early.
Speaker 1 (00:58):
It was like a morning in Mallorca, where'd you play
Coddle Park in Cardiff, weoverlooked the valleys.
Speaker 2 (01:06):
That's not even close is it?
Speaker 1 (01:07):
It's about 20 miles away.
It was nice and sunny.
Speaker 2 (01:11):
You didn't go one right in your doorstep, did you?
Speaker 1 (01:12):
Three.
Speaker 2 (01:13):
Oh, you had actually three, so you thought you could
have won 20 miles Every coursethat you passed on the way to
your 12, 20 miles away At leasteight.
Speaker 1 (01:21):
It was superb.
The sun was coming up, the dewwas on the grass, the birds were
singing and we roamed a goodwalk with the golf.
My brother part of the firstone.
He thought, yes, superb.
Speaker 2 (01:36):
Oh, he could have shot yeah.
Speaker 1 (01:38):
And he lost and James , I know you probably were
listening, I'm not taking themic out of you, but how he's
lost to me on Sunday wasunbelievable.
There's more bunkers in CotterPark on the button course now
after me on Sunday than therewas at the start.
But it was horrible.
Near the end about the 14thhole it just started to rain and
(01:58):
that's my excuse for everythinggoing off left, right and yeah.
But we were lucky.
We got out early, finishedearly, david, the kids then
24,000 steps done, shattered onSunday early to bed.
But it was really reallyenjoyable playing and I've
realized that I can.
The more I play, the worse I amgetting at golf.
You know people.
(02:19):
You know.
The more you do things and themore practice you get, the
better you get.
I'm getting worse.
Speaker 2 (02:25):
That's probably more so because you're playing more,
so you're noticing more, you'replaying with.
The first couple of timesthere's a bit of fun, a bit of a
laugh.
Now you're going to be moreserious and you're like well,
I'm not playing well enough now.
Speaker 1 (02:33):
No, no, no, the few times before that, I noticed the
golf ball going into the waterand I still noticed it going
into the water.
Speaker 2 (02:41):
Again, what was it yeah?
Speaker 1 (02:44):
And the funny thing is these, these architects of
golf courses, are super in myeyes now, because there is a
pond, a puddle, and your eyesget drawn to it on the left.
But to the right, 150 yardsfrom the edge of that pond going
right, there's fairway grass,rough.
(03:06):
The golf ball always ends up inthe water, just curls in.
Speaker 2 (03:14):
The joy golf that is.
Speaker 1 (03:18):
I know it's a boring subject.
We're talking about this costof living, cost of lifestyle
crisis.
Two half year numbers came outthe other day.
Last week, domino's and Greg's,so basically fast food.
Speaker 2 (03:34):
Two ends of the spectrum of cost.
Speaker 1 (03:37):
Domino's half year numbers Revenue increase 19.6%
and Greg's 21.5% increase insales from last year.
What's the pre-tax profits?
63.7 million.
So numbers people arecomplaining about.
Speaker 2 (03:59):
Do they give a reason why they think their numbers
are gonna happen?
Speaker 1 (04:02):
People are spending more money.
Speaker 2 (04:04):
Yeah, it's how many people are not like taking their
own food to work and thingsCause we've got a Greg's on me
across the road and if you don'tget in there before one o'clock
you just get the dregs that wasleft on you.
Not that I kind of go overthere very often, but we might
go over there being an athlete.
Speaker 1 (04:20):
Maybe once every three weeks for a quick bite or
something.
It's not often but if peopleare complaining about not having
money, you know these mealdeals and you go and a bottle of
pop, whatever sandwich, youhave a packet of crisps and then
the enticement of all thecookies or the sausage rolls
(04:43):
it's seven quid gone.
Seven quid times five days aweek is 35 quid.
That's 70 quid every two weeks.
That's 140 quid a month.
Speaker 2 (04:53):
It's like we got a freezer in the office and we
were like I keep my meals, whichI make myself at home, and they
cost me less than two pound ameal to make.
Speaker 1 (05:02):
Convenience time.
Speaker 2 (05:03):
It doesn't take me long though.
Speaker 1 (05:05):
But that's the whole.
Thing.
Speaker 2 (05:07):
I get it though convenience, when people can't
cook.
Two people are lazy, threepeople are just very lazy.
Speaker 1 (05:14):
Do you know what I cooked yesterday.
I should have brought it intoyou.
I know you wouldn't be able toeat it.
My sister-in-law came down theweekend, hello Kat, so I'm not
gonna rip you like I rip James,and she brought down banana cake
, banana loaf.
Speaker 2 (05:28):
Oh, I like banana loaf.
Speaker 1 (05:30):
I made it yesterday First time ever.
Speaker 2 (05:32):
They gave me the recipe today, yeah.
How did you Google?
Speaker 1 (05:34):
it.
No, she gave it to me and itwas from a baby lead weaning
recipe.
Speaker 2 (05:40):
It's really soft then .
Speaker 1 (05:41):
Really soft.
Speaker 2 (05:42):
Well, I suppose it should be soft, but I suppose,
oh, you overcooked it a bit, ofcourse I did.
Speaker 1 (05:48):
It wasn't the worst.
In fairness to my wife, she'sturning into me a bit.
She went, had a bit and went.
That's not the worst.
Years ago she would have.
She would have thought the worstyeah, but that's exactly what
I'd say.
I like she's turning into me.
She went no, for a first effort, right, that wasn't bad.
I missed putting some spice orsomething into it, but it wasn't
(06:09):
bad.
The only bad downside of it iswhen my sister-in-law was down,
I went what's the calories?
And she went oh, a slice is 203calories.
I went Jesus, that's, like youknow, less than more than a bar
of chocolate.
Speaker 2 (06:21):
It's closer to heaven though.
Speaker 1 (06:22):
Oh yeah, but it's supposed to be healthy.
A banana loaf Nothing healthy.
Speaker 2 (06:27):
A banana is a healthy , apart from if you read the
government guidelines.
People still think they'reactually eating grains and yeah,
all that type of stuff Cerealsis actually good for you, but
it's not.
It's all I've dated here's onefor you.
Speaker 1 (06:41):
Food.
I'll finish up Inflation.
They said they'll ask the foodprice inflation 13.4%.
Is there a new inflation now?
But pub and Kent right.
Speaker 2 (06:52):
Just go back to those .
So, people, domino's is reallyexpensive and actually not
particularly great pizza andthey've seen that much uplift in
do you know?
What I reckon a big part ofthat will be as well is that
there's more delivery Uber Eatsdrivers as well, because we've
got one over on our estate atDomino's and there is so many
(07:13):
delivery drivers going back andforth the same with the chip
shops, same with the Indian,same with the Chinese but no one
really ever goes to the subway.
That never seems busy.
That's just mad Like, becausethey're expensive.
We go into McDonald's, you canbuy by 10 of those type pizzas
in all the old little.
Speaker 1 (07:30):
Yeah, we go into McDonald's, maybe on a Saturday
or Sunday, maybe the little manand he'll have a flatbread in
the morning £1.49,.
All of a double espresso 129.
We'll sit down, he'll play onthe games there.
And there is a single segmentfor delivery Uber drivers,
whatever they just come inConstantly.
(07:50):
They've just got their helmetsstill on.
They just look for the numbers.
They've got beep and they'regone.
Speaker 2 (07:54):
Part of the disabled base.
Speaker 1 (07:55):
Anyways, pobbing Kent , right Called the Queen's Head,
it's offered.
Last a week, a week and a halfago, two weeks ago, it said it
offered diners the chance toenjoy a Sunday roast without the
worry of cost.
So they hosted the first paywhat you can afford roast.
I'd love to know how thatturned out, because we talked
(08:17):
about this right.
Some people would go in andthey'd go.
Oh, I feel a bit guilty now I'mgoing to give them £12.
How much would you pay for thatSunday roast?
If they said to you here's thebill, wipe it, just pay what you
can afford.
What would you give them?
Speaker 2 (08:32):
Well, pay what you can afford.
I didn't hear that bit of itbefore.
Well, like that's different,isn't it?
But if I had to pay what everfor it, how many of us are
eating?
Speaker 1 (08:42):
That says four of you .
Speaker 2 (08:45):
Four pence Is that awful If you, if you just say
pay what you want, I literallyI'm gonna pay four pence.
Speaker 1 (08:58):
But pay what you can afford to most people working
that out now.
Speaker 2 (09:01):
Like in reality I probably, if you can afford 60
quid.
Speaker 1 (09:05):
you know, because that's what a Sunday roast is.
You could afford 40 quid 40quid.
Speaker 2 (09:08):
So I would in reality , if I kind of took my my normal
hat off, whichever isn'tactually put on sensible hat,
I'd said, I'd probably say veryminimum tenner each.
I think you have to.
Speaker 1 (09:23):
Do you think some of them are going, some people will
pay?
30 quid and someone will pay afiver.
Speaker 2 (09:31):
I don't know.
I think it all comes down tothe type of person you are
anyway, because some people betoo embarrassed to pay too
little.
Speaker 1 (09:36):
Yeah, they would.
I think they actually would.
Speaker 2 (09:38):
Interesting concept.
I'd be interested to know how,what the kind of average spend
per head.
Speaker 1 (09:44):
They said it was a one-off trial.
Speaker 2 (09:46):
They didn't release what their average spend per
head was.
No, that'd be interesting.
Speaker 1 (09:49):
I try and reach out to them Right.
What's the best roast in?
Speaker 2 (09:54):
One meat.
Speaker 1 (09:55):
Oh, yeah, yeah, because all the other stuff is.
Speaker 2 (09:59):
Slow cook lamb Lamb shoulder.
Speaker 1 (10:02):
Okay, okay.
Speaker 2 (10:05):
On, then beef.
Speaker 1 (10:06):
Beef yeah.
Speaker 2 (10:08):
Pork.
Don't really like anymoreChicken.
Speaker 1 (10:11):
You can have it on anything, everything.
Speaker 2 (10:13):
Yeah, lamb, but it's got to be like a, you know, a
six to eight hour slow cookshoulder lamb with a bit of
rosemary and garlic and oliveoil, and we just been talking
about people that can't affordto spend ten minutes making a
sandwich.
Speaker 1 (10:27):
That's expensive, yeah, trimmings.
Then what do you put on?
Speaker 2 (10:33):
You can have a Yorkshire.
Speaker 1 (10:35):
Standard yeah.
Speaker 2 (10:36):
Whether it's beef or not.
Speaker 1 (10:38):
Yeah, yeah.
Speaker 2 (10:39):
Roast potatoes.
Do you like his pigs in blanket?
No, like a bit of stuffing.
Speaker 1 (10:44):
Okay.
Speaker 2 (10:46):
Cauliflower cheese.
Speaker 1 (10:46):
I was gonna say cauliflower cheese, no.
Carrots peas, yeah, a medium toveg man yeah.
Speaker 2 (10:53):
Broccoli, gotta have a good gravy.
Can't be a bistro, though.
Speaker 1 (10:58):
True.
Speaker 2 (10:59):
Like a nice homemade gravy.
Speaker 1 (11:01):
Yeah, yeah.
Speaker 2 (11:03):
If it's a bistro, I won't have it at all.
My wife's testament to thatShe'll tell you.
She makes really good gravywith the roast.
Speaker 1 (11:11):
Do you have a freeze leftover gravy?
No, because of the leftover.
Speaker 2 (11:16):
No, they usually is loads.
Actually Never freeze it,though, but I can't stand bistro
.
I can't stand instant gravy.
Everyone has said before it'sdisgusting you know Christmas
time you have the.
Speaker 1 (11:28):
Sometimes there's a bit of a different taste on
gravy.
You know you've got to save it.
Put it into little ice cubes,save in the fridge and then the
stock and then dip that in tonormal gravy that you make over
the course of your Christmas.
Speaker 2 (11:40):
We've always got proper stock though knocking
around.
Speaker 1 (11:43):
I wonder how many calories are in a roast?
Can't be healthy for you.
Speaker 2 (11:48):
But it'll be 1200, 1400, I thought.
Speaker 1 (11:51):
She's the roast potatoes, isn't it?
Speaker 2 (11:53):
And you go to the ones Toby Carvey's on that
You're on the two large plates,the extra large plate, but you
can get out of it.
There's a trick to TobyCarvey's course there is.
You go up and they're like oh,which meter?
Like all of the hand, please,no-transcript.
Oh, actually I'll have someturkey as well.
By then they're going tomassive slice of the one meaty
(12:14):
and then they're a bit like oh,I don't know what to do now.
So if you get it right, you canactually get some good portions
of meat in there.
Speaker 1 (12:19):
That's not the tip we're going to set the end
that's the thing that won't giveyou lots off, is it.
And you can't over stuff theplate initially with loads of
veg, is it Because everyone justgoes up and down and up and
down?
Speaker 2 (12:33):
I use loads of roasts .
It's normally roast potato.
I like a roast potato 27 is myrecord.
Speaker 1 (12:37):
years ago in the Tobi Carvery, 27 roast potatoes.
Speaker 2 (12:41):
I don't really like a Tobi Carvery.
It's a little bit of a carcrash.
The whole meat thing it's all abit dry.
Sorry, the veg is all a bit dry.
The cauliflower cheese doesn'treally have any cheese left on
it and gem real a little bittasteless.
If I'm honest, I don't reallylike Tobi Carvery.
Speaker 1 (13:01):
I don't even know how much it is anymore.
Speaker 2 (13:02):
If I had a Tobi Carvery I would probably have
said off the main menu, yourburger or something.
I went to one recently wherethey actually had a pizza oven.
They had pizza instead.
Fancy on the roast.
Speaker 1 (13:17):
Did you hear lately?
This is flowing so well today.
Speaker 2 (13:20):
If it's in the news, probably not.
Speaker 1 (13:21):
Fair enough.
It isn't news when you'retalking about restaurants.
The restaurants not restaurantrestaurants in the House of
Parliament are reducing theirhours of work in there Because
they're down or they're short 38chefs 38 chefs, Not waiting
(13:42):
staffers.
They're short 38 chefs, whichaccounts for the 650 MPs and
they've got some like 14,500pass holders.
I presume that's X people.
They can come in and out andthey said visitors.
Speaker 2 (14:00):
The people pay for that food, or is that such?
Oh bloody nose?
Probably, if they do pay, it'sprobably subsidised.
But 38 chefs, how manyrestaurants are in there?
Politicians pay for anything.
Speaker 1 (14:10):
The Monday club, the Tuesday club, the way Wow, it's
just like how many of themactually go in there.
You see, there's nobody.
I'm presuming it is subsidisedby somebody.
Speaker 2 (14:22):
I can't imagine the politicians pay for it.
They don't pay for a lot, dothey?
Speaker 1 (14:25):
No, they don't pay for a hell of a lot, in fairness
.
Speaker 2 (14:27):
They don't give a lot back either, do they?
Speaker 1 (14:29):
Well.
Speaker 2 (14:30):
It's not getting into that.
Speaker 1 (14:31):
Yeah, they give them.
They do clinics when they'rerunning for re-election, so they
do give a bit back.
What would you like me topretend I'm interested in, to
listen to you, to get your vote?
Oh yeah, they're probably verygood at acting that aren't they
but they're not short of a poundor two, are they?
And I could be wrong.
Though they can vote on theirown pay rises.
(14:52):
Was that true, or I don't know.
Speaker 2 (14:55):
Probably it's corrupt as you can ever make it, isn't
it?
Parliament, government?
Don't start me on thegovernment.
Speaker 1 (15:01):
Don't think I ever be ever be a politician.
Well, I couldn't.
I don't have the right, therelevant paperwork, but
otherwise.
Speaker 2 (15:07):
Well, you'd have to be open to commit fraud,
wouldn't you?
If you're a politician, thatseems to be the general rule of
thumb, doesn't it?
Speaker 1 (15:12):
No just lying Game mates in, just lying, gonna, you
know, just deny it all in.
Later I got on to pay rightHouse prices.
Well, you know more about thisthan me.
I don't know a lot about thisstuff, but there was something
on some thing that came throughon an email the other day that
the affordability ratio ofaverage house prices and it
(15:34):
showed it 1999, it was, Ipresume, four.
It was a four to one in termsof the value of the house, the
cost of the house versus theperson's salary.
Speaker 2 (15:44):
Oh okay, four times yeah.
Speaker 1 (15:45):
Now it's 8.4 in England and 6.4 in Wales.
So you know, is that making itless affordable?
Speaker 2 (15:54):
for people?
Yeah, because prior to theinterest rates going up, you
probably really you probably getanywhere in the region of four
and a half to five and a halftimes, depending on income,
outgoings etc.
Some lenders obviously stretchto the five and a half times
Depends on your income.
But now you're probably luckyif you get four times really you
know income.
So even based on those statsyou're given there's six and
(16:17):
eight you will never reallyreach those anyway.
Be a hell of a stretch.
Do you know what I mean yeah.
So, but it's getting worse.
Do you know what I mean?
Because and I think you showedthis on a presentation you did a
couple of years ago, wasn't itthat actually, the speed of
house prices have risen comparedto income does not correlate
(16:37):
whatsoever.
Speaker 1 (16:38):
Yeah, there's a I can't remember the exact figures
you probably got them somewhere.
Speaker 2 (16:41):
But for argument's sake, it was like back in the
90s, 70s or whatever.
Average income was like 15grand or something and it's now
28, but the house prices areprobably 10 times what they were
then.
So it doesn't kind of correlate.
Speaker 1 (16:53):
I think that 10 million.
It was something silly though,yeah.
Something like 32 grand for thehouse and 16 grand salary makes
sense, and then 28 grandagainst 320.
Speaker 2 (17:03):
Yeah, exactly, it was something.
We'll do another one on that,but it was something.
Speaker 1 (17:12):
I read some.
Print this out.
Here you're on almost eightmillion people on financial
knife edge, which says almosteight million people have been
overlooked during the cost ofliving crisis and now in the
brink of serious hardship.
Well, they only surveyed 4000people.
They are how, ask them, how arethey coping financially,
(17:33):
physically and mentally?
Of those seven point ninemillion adults of the uk
population said they tend toborrow money to maintain their
basic standards of living ratherthan cutting back on essential
essentials like food andelectricity.
Speaker 2 (17:51):
It's getting worse and worse but that's a weird one
to say that instead of cuttingback on food and we can't really
cut back on those things we cancut back on is going to the pub
, or Greg knows.
Greg, so that's kind of reallybadly written.
By which is it was it was about?
Speaker 1 (18:07):
yeah, it is which.
Speaker 2 (18:10):
That's really badly written because they say people
should consider cutting back onthe gas.
You can't just cut back on thegas and it doesn't work.
Speaker 1 (18:18):
No, they may have borrowed money to maintain the
basic standards standards ratherthan cutting back on essentials
like food and electricity.
So the borrowing?
Speaker 2 (18:26):
more to keep going.
Yeah, we are true yeah, that'sreally bad word about that.
I think it's kind of like youneed to be cut back on your non
essentials, you know, like youreating dominoes and Greg's and
all those things you can seeLoad somebody.
Speaker 1 (18:43):
I can't pronounce the guy's name.
Director of pop policy.
Now advocacy said thegovernment must help those in
need by tightening regulation Onby now, pay later to stop on
affordability.
I think I'm the government moreconcerned about getting 38
chefs in.
Speaker 2 (19:01):
I mean they're concerned about making every 20
mile an hour speed limit.
That's not gonna be sure that'smeant that's helping anything
apart from costing thegovernment even more.
Speaker 1 (19:10):
It's.
It's gonna.
It's going to increasesustainability of the world by
lesson, using less fuel orpollution, but it's not gonna
increase your journey time, eventhough you're reducing a speed
by a third.
Speaker 2 (19:22):
I would love to know, right, how much going slower
reduces the carbon emissions andall that stuff they talk about.
Because I'm not convinced.
Right, because he's a goodexample the M4 in Cardiff in
from Cardiff through to Newportup towards London the Welsh
capitals car park.
(19:42):
Yeah, the car park right, sothat 50 mile an hour limit thing
causes people to drive slower,therefore causes more congestion
.
If you're going to be quicker,we went through it.
If you widen the motorway aswell, surely being stood still
is far more polluting thanactually getting ever moving.
Speaker 1 (20:01):
I think that maybe there's some widening the room
but then then my car is thisstop start.
You know when it stops itautomatically cuts out.
And I don't know.
I've always had the impressionthat it takes more energy to
kick, start to go.
I have no idea, no idea anymore.
Speaker 2 (20:19):
I've given up even worry about and have you seen
this I don't wear red somewhereabout the electric car drivers.
Now we're looking at taking thegovernment to court over the
fact that why should they haveto drive 20 mile an hour or 50
mile an hour on motorways?
And so because, then all theones polluting the earth Good
shout, that's a great why can'tthey drive faster?
Speaker 1 (20:40):
that's a great shout.
Speaker 2 (20:42):
Just blinking good, does I mean so soon we all go
electric is 30 the speed limitis going to increase now,
they're not.
They.
Speaker 1 (20:50):
Wow, yeah, that's a great show that's it.
Speaker 2 (20:53):
There is a, there is some sort of case being taken.
The courts somewhere in the UKbelieve.
Speaker 1 (20:59):
Well, that would be the fact that there.
Speaker 2 (21:01):
why should we be penalized for having to drive
slower if we got electric car?
Speaker 1 (21:05):
Well, that would be an incentive for me to, instead
of getting a 40,000 pounds a forgetting a 70,000 pounds
electric a for Price number just.
Speaker 2 (21:17):
I mean listen to a lot actually about on some
podcasts about business ownerswho own kind of like car garage
things.
They are they're all very muchconvinced that will either find
a new fuel before 2030.
But they don't think that we'llgo fully electric by 2030.
We will never go fully electric.
Speaker 1 (21:34):
You haven't watched it yet, but the them.
There's a Disney charactercalled like McQueen Is a car and
in one of them.
Interesting with this car is tothis guy is A Land Rover and
he's he's gone trying to cruisearound the world and it ends up
that he gets lost in some jungle.
He comes back and said I'velived on fossil fuel Sorry, not
(21:57):
fossil fuel, but some new energyfuel.
So he says fossil fuels, thingof the past.
We're going to use this thingcalled all in oil now and it's a
kids program.
And it ends up that he'spromoting this.
All in oil, all in all, all inoil.
And and the racing that's goingon around the world, he's got
guys that are shooting the cars,blowing them up.
(22:17):
So it basically means peopleare going oh no, so the price of
fuel, fossil fuel, goes down.
He buys loads of it.
They promote this all in all,all in oil, and it doesn't work.
He's got all the fossil fueland he tries to make a fortune.
He gets caught out.
I wonder the grand scheme ofthings.
Are the governments of theworld pushing you to do electric
(22:39):
things, buying up All thisfossil fuel?
Oils start all of a sudden toget more money.
Speaker 2 (22:45):
You never know.
You think the billions aregoing to cost to kind of turn to
that and like I'd be interestedto know, like how much
Difference that is going to makethe damage we've done to the
climate.
I'm old, but what are you goingto do about thing?
Some of the biggest pollutersout there, like your lorries,
your Ferries, your aeroplanes,they are going to go electric of
(23:07):
a, because I'm not flying toAmerica in an electric airplane.
I can tell you that now.
Speaker 1 (23:14):
Well, let's not go down there, because the
aeronautical Sector is allEnvironmental, because Heathrow
Airport is in an environmentalfund, so it's, that's all okay.
Oh, wait a minute, they don'tthey don't include the planes.
Speaker 2 (23:28):
It's very good.
Everything lands on there.
I actually calls it.
That's a farce in its own,isn't it?
It's in a, in a ESG fundHeathrow Airport, because it has
solar, it has wind, it has allsort of energy producing, but
that doesn't take into accountthe, the large vehicles landing
landing.
Speaker 1 (23:44):
Yeah, it's not part of us.
Speaker 2 (23:46):
But hey, it's all about how you write the contract
absolutely so.
Speaker 1 (23:50):
We know from the guy that swindled the councils there
recently.
Oh, yeah, that's an interestingarticle my touch base, not
again in a later date right here.
Here's a tip for those people.
I just thought of it now, aboutthe money and Greg's and all
that.
Everything we do anymore iseither Apple, google on your
(24:14):
watch, on your phone, bing, bing, bing, nick.
Sunday night, go to the cashmachine, take 30 quid out.
That's your spending money forthe week, but that's that's it.
You can buy whatever you want.
You can buy all your food tocook.
You can buy Greg's Probablyonly about three times a day a
week.
But log out of Amazon as well.
(24:36):
Log out of eBay, log out ofVintage, whatever other apps.
Close all notifications down onthe phone, like you do, and
spend a week Sunday or Monday toSunday living on that 30 quid
if you can and buying no Nothingon impulse buying when Amazon
(24:59):
or someone sends younotifications.
Speaker 2 (25:00):
So she means as well as impulse from where you see
and see you.
Speaker 1 (25:05):
See that you don't actually need to buy any of that
crap.
And all of a sudden the crisisof the cost of living evaporates
because you're not wastingdigital money that you don't
have a physical interaction with, and it's you're saying you're
not spending as much.
(25:25):
Where's the, the physical money?
You are conscious when you givein Greg's or where it may be a
tenner, and you get 2 pound 20back, you go, wow, that cost me
750 or whatever it may be.
It's, it's just a differentmindset, it's, it's basic common
sense.
Try that for a month.
Guarantee you, you, you willbecome more or develop a better
(25:46):
understanding and relationshipand money habits with yourself.
Speaker 2 (25:51):
Yeah, I'm saying.
Speaker 1 (25:53):
See you next week.
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Law & Order: Criminal Justice System - Season 1 & Season 2
Season Two Out Now! Law & Order: Criminal Justice System tells the real stories behind the landmark cases that have shaped how the most dangerous and influential criminals in America are prosecuted. In its second season, the series tackles the threat of terrorism in the United States. From the rise of extremist political groups in the 60s to domestic lone wolves in the modern day, we explore how organizations like the FBI and Joint Terrorism Take Force have evolved to fight back against a multitude of terrorist threats.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com