Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
the Order Kerni Whaltbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through as this podcast is about connecting, empowering, knowledge sharing and the storytelling of you to make a difference for today and lasting impact for tomorrow.
Let's get into it.
She's on the Money, She's on the Money.
Hello, and welcome to She's on the Money, the podcast that lets you in on all the money secrets you need to know to live your best life. Because let's be honest, if someone told you that you could fly business class without dropping thousands of dollars or getting a fancy credit card, you'd want the tea, right, Yes, of course.
Yes, exactly.
Well today we are absolutely delivering, and we're doing things slightly differently as no surprise to anybody, hopefully.
My name is Victoria Divine and.
Joining me on the podcast today is not our usual deep dive besa ed.
Don't worry, she's fine.
We've kept her in a cupboard to the side, like she's in storage for now. But she's just not the certified point hacker like the guests we have in studio today, which I obviously gave a really good ah what we call that?
Yeah, I gave it away. I gave it away.
She's part of the she's on the money team, and honestly, she is the most points savvy person I know.
It's the one and only. Just grit you. Hello, welcome back to a Wednesday episode.
Thank you for it's been a while.
But the second this topic came up, I was like, oh, guys, I'm really sorry about this, Beck, but you're not allowed to be on this episode. I love you, but it will just be me telling you about points. But if we get Jessica, it can be Jessica telling me about points.
And I think that's a good deal. I'm pretty happy with that.
I think it's really good.
Now, when we say points hacking, a lot of people automatically think about flights, which, yeah, you can totally get that, But that's just the beginning, isn't it. Jess Jess I have personally witnessed this, Like it's not just me being like, oh I heard just did this. I have witnessed this, and I've seen you snag some truly iconic rewards with your points and none of it actually involved you having to have a fancy black Amex or even a credit
card at all. So before we get into the house, let's just dive into Jess, what have you bought with your points?
Oh, in the last few years, I've had some goodies. I got a Dison vacuum, I got my kitchen Aid. I feel like the ogs know this story.
The kitchen aid was a community effort. I feel like you tracking the points. I was you were hustling the points, but the community was your biggest cheerleader.
And I love that thing. I use it all the time. And what else? I got AirPods pros with points as well.
It's just in the last like four years, so it's like not taking me that long either really to do it.
So there's been some goodies, I agree, Jess.
And also I need to just lay this out right because she's on the money. We aren't here for like just spending to get a reward. Likely we are not buying things because points are associated. We are buying things because we are intentional with our spending. This is just like a little sugar or cream on the top, right, It's not about spending for the sake of getting a really shiny reward. So I've got some rules before we start talking about this, all right. So points are fabulous.
We love points in this house, extra value for stuff you're already gonna buy, Jess Slay, We love that. But buying random things that you didn't need because you saw in the catalog that there were bonus points this week not sligh.
That is not the vibe.
In fact, studies have shown and this is me like about to promote loyalty programs, but then also I'm just going to shoot on them a little bit to the start, because like we need to just get on the same page, right, So, studies have shown that loyalty programs can actually increase customer spending by twelve to eighteen percent and can increase company revenue by twenty five to get this just ninety five percent.
That's corc and I need to get.
That down because otherwise, why Jess, would companies have loyalty programs to begin with?
If it's not driving sales.
Why would you take the time, the energy, spend all of that effort on building a program if it's not adding to the bottom line.
It's a great point.
They're making money from giving us points, but we're smarter than that. We're going to take their points for spending things we were already going to spend. Right, So now I've laid out a few of the ground rules, Jess, what would be your first tip for someone wanting to maximize the points from their everyday spend.
I think that one of the first things you want to look at is what I call it an ecosystem.
We've got an ecosystem, I've.
Got an eco car because, exactly as you're saying, if we're trying to collect points, doing the things we're already doing, thinking about petrol, thinking about where do we buy our groceries, thinking about.
What stores do you shop at a lot Because there's two major camps in Australia.
There's Velocity, which is paired with flybys, and then there's Quantas, which is paired with everyday rewards. Those the two major k But if you're Jess, you have all of those, don't you.
You absolutely can do a little bit of everything.
Yeah, Like it's free to sign up, Like I want to have Flybys and I want to have everyday rewards like pop off Queen Well, and that's it.
I think like a lot of people will find and I find that I am a Cole's Kmart girlies. Velocity is perfect for me, but I do still have everyday rewards. If I happen to find myself at a Woolies, I'm still gonna be.
This is where I'm a bit silly Jess, because I'm definitely more of a like Velocity points and Flybys points girly because like I think we all know, like I prefer to fly Virgin, so I want my Virgin points. But I also shop at Coals because it's my local and like everybody knows, I love a Kmar so that can works best for me. But it's kind of like comparing Taylor.
No, it's not.
It's not like comparing Taylor Swift and Beyond. They're not comparable, but I tried to make a comparison that would hopefully tell you, like it's in a way.
Much of a muchness.
But for me, I probably should get everyday rewards as well for the random times I found myself in Wallies.
Just because you might as well.
It's asologically exactly, So what do we need to be thinking about when we're like signing up because I think for most of us, just like me, I like lean towards one kind because it just aligns more with just the spending that I already have.
So it's totally that's identifying where you shop the most, like what you know you want to do to maximize. So if you're someone who flies more with Virginal flies more with Quantas, that might influence the choice that you make if you're planning to use your points for flights. It's also worth checking which airline partners are associated, because it's not just Virgin and Quantus that fly. Both of
them have partner airlines that you can also. I know that when I went to Japan, I think it was might have been Air Japan was under the Virgin umbrella.
Yeah, there's a lot of them, correct. I think people think that you have to fly Virgin. You don't have to fly Virgin. You have to fly a airline that is going to accept Velocity points exactly. Like on their website, they have literally so many of them that you can look up Jess. I just want to segway into this
because I've just remembered. So we're talking about, you know, having points, and I've said, like I want Velocity points and fly bys, and last year I signed up for one Pass and do you remember the message I was sending you. I just like Jess, Like Jess and I were texting back and forth because like we aren't just like on the podcast talking about this stuff. It's in our real life. I'm like, I feel like I have
hacked the system. Did you know if you sign up for one Pass you get all of these points and if you like link it on your phone, you can get double points every time that you shop it CAMA and like we were just like on their website calling through the terms and conditions. I was like, this has to be capped. It's not capped, so tell me a little bit more about I guess other loyalty programs that connect to the ones that we already have to increase
our spend. So that's like one Pass, which I think not that many people have heard about.
One Pass is a great one and we've seen one Pass. And the other major supporting loyalty program is every Day Extra, which is Everyday Rewards. They're both paid programs, but they both go on sale. We've seen both of them.
Go on sale day.
That's when I signed up for mine. Yeah, so last year I got it for fifty percent off. So instead of I think it's meant to be like four dollars a month, they get it for two dollars a month.
And they're crazy, And we've everyday rewards have gone on sale I think for half price as well. So keep an eye out because you can sometimes pick up that membership at a discounted price. They also will often have additional perks. So for one pass, I know that you can get free shipping on catch you get, you know your four times points on every spend for everyday rewards you get? Is it five percent? I think off of a shot once a month, that might be ten percent.
I think it's ten percent. I don't know, but like it's pretty good. The one thing that I will say is I hate when I get to check out and I'm like checking out, I've scanned my Flybys thing, and then it pops up and says, do you want to spend Flybys points? Because I'm like, I don't want to accidentally hit yes, because I just want to be really clear, Love you flybys, love you one pass, but that's actually
a really bad exchange of points for money. So like if you're at the checkout and you're like, oh, maybe I should pay you with points. I mean, if you're start for cash, great option totally, but you're not getting good ROI like, you're not getting a good exchange rate, and we need to consider that too, which is like when we talk about or when I talk about the exchange rate, right, it's like how many points per dollar
are we basically getting, Like that's really low? But did you know, sorry side not if you go into your Frequent Flyers app, you can turn that notification off when you scan in at COLT.
I used do that because it pops up all the time.
Yeah, and I always have that minute of like which one do I press? I don't want to do that. I don't want to do that. Yeah, so I go turn that off.
I know that you can do it because people have told me that you can do it, but I haven't done it for myself yet. So that's probably like a life admin task. We're both going to do it right after Yeah, okay, all right, all right, So you've told us that you actually have an ecosystem, which is absolutely not how I thought that this was going to go. I thought you were going to be like yep, so points you get one, you spend one. Just got an ecosystem, and it turns out I do too. I did not
realize you should know it. Well. I didn't know that you call it an ecosystem, and now it feels more legitimate. I've just got my Flyby as my one pass, I've got all that set up, I've got it all attached to my Velocity. But now we've picked an ecosystem. We've added our like little booster let's call them booster memberships. So you've got your like one pass, all your everyday extras. But you're not done with us yet, are you? Like, otherwise we wouldn't have a whole episode for you.
Yep. So you're absolutely right.
Because I want to talk about bonus offers, and these are my favorite because they're very easy and weirdly kind of satisfying.
Oh my goodness, are they ever like talking about bonus? There was a bonus ages ago when I was buying my iPhone. This is probably not how normal people function. Sh Yes, Love it you've got a whole heap of points if you're buying gift cards, but the same amount of points on my phone wouldn't be it. And I remember there was like some weirdly specific like numeric value you had to buy like one hundred dollars gift cards. Yeah, so I bought like twenty of them. Yeah points, Queen,
it's queen, Yeah, it's queen. You should have seen the receipt when I checked out with my iPhone because it was like this, poor girl. Anyway, I regret nothing, sorry about that.
Well, both flybys and Everyday rewards run in app offers every single weeks. If you don't have the apps, get the apps. There's things like if you spend a said amount of groceries, say fifty dollars in groceries, you get a thousand bonus points. Honey, mean buy a specific product that they want to promote, you get triple the points.
But you're already going to be spending money on groceries. If it means that you're like, oh, should I do the grocery shop today.
Or hold on?
Bonus points are on Monday, I might just push it out like a day or two. If you can or like specific point. Can you build your menu around that?
Well, that's it, because sometimes they'll even do ones where it's like a four week challenge.
It's like spend one hundred dollars every week for four weeks.
So what we'll often do is push our higher ticket items out so that insteadifying because in our household, for example, idrin pepsimax, my boyfriend drinks coke zero, so will alternate the week use me, I know, not even a diet coke.
Can you believe it?
They're only diet coke in this house. In saying that, I don't know if everyone's seen the video. I did a blind taste test of the two and it turns out I can't tell the difference. But if you show me the can I know they both days like debt but deien. So splitting up your higher priced purchases across those four.
Weeks and you just so you know, if you're gonna you're not going to be invited back on this podcast if you smack talk coke lives.
So I deeply apologize.
So activating those offers, keeping track of you know what's available, you can then you know, build it around your half priced specials and things like that to still keep your costs down while maximizing the points you can get.
Yeah, I feel like people think this is really commated and they're like, oh, I don't even know where to start with points. Baby, just sign up for fly buys. You sign up for fly buys, you can get the card. It's either a card you're keeping your wallet, or I have mine on my pay pass, Like what is it like the Apple pay or whatever it or there, It's just on my phone. I'm just collecting points. It's not
going to happen overnight. But then you'll check and one day you'll be like new iPod MAXs, perfect iPod AirPod, AirPod MAXs.
And that's a good reminder for people.
Pop your cards in your wallet, because I feel like the barrier for a lot of people is not remembering that they have it. Or if you have a partner and you have one card, put them on your Apple wallets.
Or if you're like me and you have become a mum and you are spending a lot at camar LOLd jokes.
Everybody spends a lot of money.
It came up, But I feel like I'm keeping them in business by buying their baby clothes, link your cards through your like camart login, so it's like one and done, so you don't have to remember when you're online checking out. All the information is just like in there, but like I do that through my one pass anyway. But we've picked our program, j Yes, we've you know, doubled up
with boosted our points. But bearsties, we are just getting started, So we're going to go to a really quick break, and after the break, Jess is going to take us even deeper into the world of points stacking and how to make even more points go even further. Stick around, Jess, welcome back. I'm very excited that you are still here. Thanks for sticking around, even though you're like pepsi not diet coke. But before we go any further, I was doing a bit of research for this episode and I
actually have to talk about this now. I feel like it is like the wildest points hack of the year, and it involves a bath toy.
Oh, I have seen these tell us all about it.
So a few weeks ago, Big w had this random three dollars fifty like bath toy. It was literally like a duck, like a little yellow rubber ducky right, and for some reason it was earning one thousand Quantus points per duck. Crazy three dollars fifty for a thousand points, right, and because every rewards links to Quantus Frequent Flyer, a few very clever people they worked out that by buying a couple of hundred ducks could actually score them business
class flights for approximately eleven hundred dollars. So they had done all of their numbers and worked out, all, right, I need to buy this many rubber ducks. Obviously, they sold big w out of bloody rubber ducks, like literally, it was posted like an hour before in a points hacking group on Facebook and then it sold out completely
And I just thought that was insane. I also don't endorse it though, so like, don't get me wrong, if you were planning on, you know, purchasing business class flights, fantastic, I think, But also what waste? Like, why are you buying you know, three hundred and fifty bloody rubber ducks?
Jess, Yeah, look, what are you going to do with that?
Like it sounds good in theory, but I think it was a bit of a mess up. I don't think they meant to give you a thousand points on rubber ducks, Like, I don't know the semantics of that situation, but the idea that you're purchasing stuff you don't need for points, I'm just like, Babe, that's naughty. That's not the point of points hacking. Points hacking for me is about spending money that I was going to already spend, but getting a bonus or a benefit for doing so.
Yeah, definitely, And it's really easy to have, you know, I think going back to the bonus points thing, if there's something that you use and you know you're always going to use, I've done it with like toilet paper, or again when soft drinks on sale, or something that I know.
You're going to use all the time, we buy it all the time.
And if we've got the funds in our budget to purchase the head, maybe we'll buy a couple of extra when they're on you know, some kind of bonus points exactly, But buying three hundred and fifty.
Rubber ducks, as you said, like, I think it's fun and I loved reading the article and it's clearly very relevant, but for me, it's actually not a benefit, Like, what are you going to do start a rubber duck shop, I would te hundred and fifty people who want to buy rubber ducks. Yeah, it's absolutely besteful.
Also, what were you going to do return them? Ill?
No, No, when you return things, they exactly exactly.
So I think it's just it's very important that we're taking this into consideration. So you've told me a lot about like the points stacking, and that makes sense, and I feel like I'm ticking all the boxes here mainly guided by you, if I'm being honest. But one thing we haven't mentioned that isn't points. Just we're obviously checking out online getting some points, but like we're using shopback right.
Hm, shop back, cash rewards, any kind of cash back platform is a great way to double dip.
Yeah, like double dipping, Like I want to double dip, so if I can, I'm ordering online because you can literally, So if you're doing your like weekly grocery shop, not only is it going to be more planned to do click and collect, but you can literally check out through one of your cash rewards programs and like get your five percent back or get your couple of percent back, and then your fly bys points and it becomes like
a game. Yeah, you are gammifying, grocery shopping, and once you start thinking.
About it, it becomes really like second nature to go, Okay, well, if I'm going to get something and they sell it at BW and they sell it, it came up, well, I'm going to go to whichever one aligns with the points that.
I one hundred want to collect one hundred percent.
And I mean you mentioned before like your petrol, and I feel like this is one that I hadn't thought about deeply enough. Now I have, obviously, but like at the time I thought, oh this ecosystem thing. At the time, I didn't know it was an ecosystem. It just gets too complex, Like I'm like, oh, is it like cowtext? Do I go to seven eleven? Like where am I
going to do this? Talk to me about partner stores, like because like you have it all mapped out, like you know that these are the stores that I get the best rewards at. So like, I know you hold off getting petrol. You have literally broken down on the freeway before because you've been waiting to get petrol at the right petrol station. So don't be like Jessica, no, But I mean we could learn a little bit.
Definitely, So I always fill up at a seven eleven or a Shell Calls Express because they're partnered with Velocity. And again you can lack your one past example you gave early. You can link all of these things online. So I use the seven eleven app that's got my Velocity card linked to it. So I scan my seven eleven app in store, which is great because I also will often scan it because I'm using the fuel lock program saving money on fuel. There again, we're double dipping
where we can. If you are in the Everyday Rewards camp, the Woolies fuel stations are the ones that you want to fill out at. Both of those platforms also will run bonuses, so at seven eleven it'll often be, you know, buy a meat pie and something and get an extra five hundred points.
Or speaking of meat piles, did you see my video on meat piles? Because I did a collab with seven eleven because obviously I'm obsessed with them and I literally love working with seven eleven. Like this is so lame, but like my seven eleven partnership came from a spat I had online with a local coffee shop. Do you remember that condescending man who told me that if I wanted to afford the good things in life, like I probably should get a real job. Anyway, that was really fun.
If you want to look up coffee gate, you can to google Victoria Divine coffee shop and it'll come up. It's all over the Daily Mail. But he also told me that if I can't afford the coffee at his coffee shop, because I had said online, oh my god, guys, like an oat latte for seven dollars, Like, wasn't complaining. I was literally posting something that we were all thinking. Didn't name and shame his cafe, just to be very clear,
wasn't being rude. I posted a blank coffee cup. But he knew that I went to his cafe, so he was not impressed, and he told me that I should go seven eleven.
So you know what I did. I went to seven eleven and the coffee there was better and a lot cheaper as well, a lot cheaper.
But recently people were like, Victoria Devine doesn't eat meat pies, Like this video is phony, Jess. We love a meat pie. We love a slope. Our old office used to be. Do you remember the one on Burk Street. AH used to be around the corner and we would literally be like, okay, cool, so if we get this one piece of work time, we get a meat pie and a slope.
It was messed.
Literally Marney Ween.
Anyway, I just felt like I needed to say that because I am so proud of that partnership that like, I talk about it because I love it, not because they're paying me guys. And if it's in the ecosystem, oh, I love an ecosystem. I'm going to refer to it as an ecosystem to my husband and see how he feels about fancy it does.
Another good one is liquor Land.
They're linked to Flybys, so if I'm restopping the wine rack, buying a bottle is a gift or throwing a party, I'll.
Always try and go there instead of going somewhere random.
Because it gets fair.
They'll sometimes offer points deals, and when it comes to my car, I will get my car service more often than not.
At my car. I get my tires and stuff.
There too, because it used to be the Kmart one right, yeah, so my car's Camart tire and order I think rebranded. They often include free roadside assistance with your services, which I have used when I had my flat tire re.
So that is actually so funny.
Came my free roadside assistance came out, sorted me out, But I got fly.
This isn't the first time you've required roadside assistance.
Oh no, I'm a regular.
You're like, oh, I.
See that the fuel gauge is flashing red. That just mean it's having a.
Good day, the brave day, but earning Flybys points on my service. They sometimes will offer bonus points there as well. I think one time I got like twenty thousand bonus points. So if you need a log book service or something looked at it's going to cost you a bit of money anyway, you might as well squeeze all the value you can out of it, is my philosophy.
And she literally does like that's why she's on this episode because she's so much better at it than I am. I'm like, oh, I don't have that many points, and then I kind of like, don't do that much about it, just as like, excuse me, what, like you should see her account balance is honestly shocking.
I would always say just check the partner stores first and remember because I know sometimes people will say, you know, the prices might not be as good the place that's more favorable for your point system. But a lot of stores, like office Works for example, will price match and office Works is.
Not going to let you get away without getting a good deal.
So look at price matching as well if that's something that you're concerned about.
One hundred percent, And as I mentioned before, obviously if you're shopping online, make sure you're using other platforms like shop backs so that you're getting cash back. But they aren't points related, but both Quantus and also Virgin they have their own online like shops or online malls or whatever we want to call it. So basically you can click through their site before heading to I guess stores, so you like log into your Virgin and then go, oh,
I do want to hit like the iconic. I really want to go to Sephora or David Jones or whatever. But when you do it that way, you can often earn like bonus points on your shop. You're not necessarily spending your points, but you're like getting more points because you're logged in, which is a money win. And like Quantus actually have just like shop Back, they have like a browser extension. It's called points Prompter, and it just pops up while you're online shopping to let you know
where like bonus points could be made. So it's like doing it for you, which I think is really cool. Now, I also wanted to touch on this. I know that you buy stuff, Jess, like you're really good at like
getting like a stand mixer and stuff. I have had this debate a few times with Brook in our team, who's also a very big points hacker, Like if she wasn't based in Perth, this would be a three way conversation, but she would never buy things from the online shops that like Virgin or Quantus have because she's done the mats and.
The conversion doesn't make sense.
But then I also know that you're making sure you're like, well, I'm not just going to save it all for travel, because like I was going to buy air pods.
My AirPods are free, I'm not going to like for me.
It's about like if I want something, but I'm not exactly to pay the money for me.
It's yeah, but you're absolutely right, But.
I wanted to talk about it, like the conversion is not incredible, but like you're getting an item for free, Yeah, that's a better deal than you know, saving it for travel for you because you're like, well, I don't know when I'm going to do x YZ, or like that's not in my value system at the moment. So like, yes, we want to make sure we know how to get the best possible deal. But also like Jess, she was never going to buy a stand mixer from kitchen Aid that was like nearly one thousand dollars.
Get it on points.
Exactly right, But talk us through the best way to get the flight.
Yeah, yes, So when it comes to flights, there are actually a few good tips that have come out of our Facebook group. So I went through the Facebook group and was like, let's do a little roundup rewards seats. So they're the seats that you can buy with your points. They are usually limited, and it usually works out to book really early for your holiday or your flight or books super last minute, so there are usually only four or fewer, which was wild seats per flight in premium
cabins available and they go really quickly. Like remember when we were booking to go to the Uses and were points ACKed it. Yeah, we points hacked our way to the US and like just so you know, guys, we flew the whole team business class to the US and it was lovely. It was so nice, but it was
because we were points hackers. But the way that we did that meant that, you know, we weren't on the most popular flight time, right, Like we all had to chat and we were like, okay, cool, Like we all want to fly business, we can be a little bit flexible on them. And we booked so far in advance that meant that we could. But then on our return flights we hadn't worked it out, so we booked super
last minute and ended up getting business class. So I think it's really important to understand how the booking works because if you're like, oh, I might go in like a month, not going to lie to you, there's probably not going to be points flights available yep, or your points are not going to go that far because your points to upgrade or to go on that flight might be all of your points or completely astronomical and a really bad like exchange, if that makes sense, whereas the
exchange that we did it was incredibly reasonable. So I would be making sure that you're either booking soon as the flights are released or getting ready to pounce like really last minute when the airlines actually just drop all of their unsold seats upgrades, So you know how people are, like, should I, and this is a guess, is a good question. Should I buy a flight with one hundred percent points? Or should I buy the flight and then upgrade with points?
Usually upgrades are going to get you better value than full redemptions, and that's what we did. So we had normal flights that we upgraded with points. Otherwise it would have been astronomical. So if you already paid for like an economy seat, using your points to upgrade to business or premium economy often gives way more bang for your buck than using points to book the flight out right. And I have done this recently. I have a wedding
in August. It is in Bali. I have booked flights, but the way that Steve and I did it, I booked economy flights and then we've just upgraded using points to fly business gorgeous. But I'm not going to pay for business class flights. Like, please don't get me wrong, I don't know at what point in my career I will be comfortable spending money like that amount of money on business class flights.
Crazy, Like, at what point do you go?
Oh, yeah, ten thousand dollars is reasonable for flights.
Yeah, and it's something that for me, I'm like, that's just something I could simply never afford until I started using points and I.
Was like, oh, this is how people do it.
Yeah, like even like and please don't get me wrong, I am not so silly to think that you're not looking at me and going Victoria. You absolutely could afford ten thousand dollars if you want to, Yes, and I am so grateful I can. That is a dumb financial decision on my behalf. I'm not doing it, like, I don't care how much money I have. I'm not wasting that much money on a flight. But you best believe
my points will get me there. So if I don't want a business class flight, you best believe, girl, it's a flex because I've.
Points hacked my way there.
Incredible.
The other thing I would say is consider using your points for accommodation instead of flights. So I was lucky enough that we had heaps of points when Steve and I did Europe. So we did Europe when Harvey was four months old, and we actually booked a heap of our accommodation subsidized with points, which ended up working so well.
But another community member I saw in our Facebook group had shared that it worked out to be cheaper to pay cash for their flights to Europe and then they use their points to cover ten nights of accommodation in
London and Barcelona. So flights aren't necessarily always the best value, especially when hotels in really big cities can be really really Expensive's great, have a look at that, because like I know that you and I are like, oh, business class so nice, But it's not always about just upgrading and having business class flights, Like sometimes I want my economy flights to be free, you know. Yeah, Like that's
the biggest flex not spending money. And if you want to compare points to value, because like I'm all about a ratio here, we all know I'm an investing queen, points value to the cash price, right, so you know how I'm saying, Oh, it's not a good exchange. How do you work out your exchange rate? I've got a stat for you, per so before booking, I would divide the ticket cost by the number of points required. And if you're getting at least like one point five to
two cents per point, that's a good deal. So I want it to be like one point five to two cents a point. I feel like that's a good deal. That's a good deal. If you want flexibility, I wouldn't limit yourself to just one airlines points either.
Sorry.
One of how She's on the Money community members actually shared that she prefers not to stick to just Quantus or Velocity. She actually collects both, like just re read she so that she has more options available across lots of different airlines and partners, and that honestly gives you a better shot at finding availability and sometimes better value for your points. And that's something to think about if
that's important for you. So, if today has taught us anything, Jess, it's that you actually just don't need a fancy credit card to start collecting points, and you actually don't need six hundred duck buck points, like really don't if you want to make points work.
For you totally, and the b reminder you are collecting the points, the points are not collecting you.
Okay.
Yeah.
I feel like people get like real like caught up in it. And it's easy too.
It's addictive, Like.
I remember when you were like literally so close to having enough points for your stand mixer, which I think was your big first points purchase. Yeah, like say, this is genuinely something we talk about in our team all the time. And you were like, oh my god, the I'm like three hundred points away and you kept checking every day to see what was coming in because you've linked everything.
You were like, surely, surely.
Now, yeah, genuinely.
Like we said earlier, the rewards can be amazing, but they only make sense if you're spending the money you are going to spend anyway exactly.
All right, Well, I feel like that is a very good place to leave it. And ah, a very big thank you to our resident Points queen, Miss Grici, for sharing all of her tips and her tricks and genuinely iconic hacks, even though I don't agree with the fact
that she drinks pepsi with us today. And guys, if you enjoyed today's chat and now you're low key planning on how to turn your grocery shop into a holiday or even a kitchen and stand mixer, make sure you follow or subscribe so that you don't miss out on our next episode. And hey, if you've got a wild points win or a stacking strategy that we need to
know that we haven't covered today. Please drop it into the She's on the Money Facebook group to benefit the whole community because we are always here for a points hacking suggestion.
Absolutely, we are see.
You next week. Guys, I.
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