Amanda Morrall: Don't pounce on every good deal you see

And before I introduce my guest, who I think probably is a Led Zeppelin fan, but we'll ascertain that as we go into the conversation.

So I've noticed with this hour, with money, conversations have evolved a bit with property becoming less of the golden goose that laid the golden egg that we've made it out to be.

And people are talking about how else we can be financially stable and all that and being disciplined with your money.

and keeping your spending affairs in order.

And I've seen it.

There was a story I saw recently about loyalty schemes and how they sort of can potentially cost you money.

And I'm becoming increasingly, I'm going to say superstitious because my fears have not founded on anything that's particularly concrete in fact.

But I'll tell you something that I'm doing now, and it's just because I don't, I don't trust the online experience not to try and screw more money out of me once I've searched for something.

So, for instance, when I search for flights, I don't log in.

I don't log in.

I don't want them to know it's Tim Beveridge.

I just do it.

incognito because I just want to know what flights are available because I have this superstition that once they work out that I want to travel to Christchurch, all of a sudden it's like, oh, sorry, those flights have gone.

And they know that I'm keen, so they'll squeeze an extra 40 or 50 bucks.

I should probably really ask the people who run the airline because I probably have access to that.

But I am a little bit not trusting of loyalty programs so much because I just think they have a way of – it's called dynamic pricing, and I don't know how it works.

Anyway, but also just the question of whether you are actually looking to – fall for every deal that is presented your way because you're a member of a loyalty program and a sale comes your way.

For instance, I was looking and my guest is going, when the hell are you going to introduce me? But anyway, I was looking on the Bose website and I saw a deal offered for some Bose.

They were what they call, they're not retreads, they don't call them that.

I call them retreads, but they're something where they've had to...

They've had something returned for warranty and they fixed it up and they sell it.

And it was really cheap.

And I found myself almost buying a pair of Bose headphones that I didn't need because I thought, oh my God, look at the sale.

So are you a sucker for a sale as well? and how do you keep your financial discipline when the thing that will suck money out of you quicker than you know is falling for that bargain for that thing that you didn't really need so give us a call 0800 80 1080 anyway joining us to discuss this she is author of money matters she's a finance specialist and mentor and her name is amanda morale and she's with me now from her lovely looking house where she's moved a little bit further away from the city amanda how are you