1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:37,120 Speaker 2: Let's get into it. She's on the Money. She's on 11 00:00:37,159 --> 00:00:39,000 Speaker 2: the Money. 12 00:00:57,760 --> 00:01:01,040 Speaker 3: Hello, and welcome to She's on Them, the podcast for 13 00:01:01,160 --> 00:01:05,000 Speaker 3: millennials who want financial freedom. Welcome back to my favorite 14 00:01:05,000 --> 00:01:07,680 Speaker 3: episode of the week, Money Diaries, where I get the 15 00:01:07,760 --> 00:01:10,160 Speaker 3: chance to talk to one of out amazing She's on 16 00:01:10,200 --> 00:01:13,000 Speaker 3: the Money community members all about their story and about 17 00:01:13,000 --> 00:01:15,600 Speaker 3: their money journey, and it is my favorite part of 18 00:01:15,680 --> 00:01:18,440 Speaker 3: every week. I kid you not. Let's jump straight into 19 00:01:18,480 --> 00:01:20,399 Speaker 3: it because this week I got a message and it 20 00:01:20,480 --> 00:01:22,800 Speaker 3: sounded a lot like this, because I'm going to read 21 00:01:22,840 --> 00:01:25,360 Speaker 3: it to you, hi V. I traveled a lot in 22 00:01:25,400 --> 00:01:29,000 Speaker 3: my twenties and moved overseas in twenty nineteen, sadly to 23 00:01:29,080 --> 00:01:33,120 Speaker 3: an emotionally abusive relationship right before COVID hit. Then I 24 00:01:33,200 --> 00:01:35,600 Speaker 3: lost my job. I took my souper out to get 25 00:01:35,640 --> 00:01:38,560 Speaker 3: out of that situation and had to start again multiple 26 00:01:38,560 --> 00:01:42,080 Speaker 3: times while overseas. I moved back to Australia in April 27 00:01:42,120 --> 00:01:45,080 Speaker 3: twenty twenty two, and one year later, my partner and 28 00:01:45,120 --> 00:01:49,640 Speaker 3: I have just bought a house. Money diarist, I'm so 29 00:01:49,800 --> 00:01:52,320 Speaker 3: excited to have you here. Are you ready to do 30 00:01:52,360 --> 00:01:53,080 Speaker 3: a money diary? 31 00:01:53,240 --> 00:01:55,320 Speaker 2: Definitely? Yeah? Oh my gosh. 32 00:01:55,360 --> 00:01:59,200 Speaker 3: Well, let's jump straight into it. As always, I want 33 00:01:59,200 --> 00:02:01,840 Speaker 3: to know upfront, what would you rate your money habits 34 00:02:01,880 --> 00:02:03,680 Speaker 3: if I asked you to rate your habits on a 35 00:02:03,680 --> 00:02:05,240 Speaker 3: scale of A through to F. 36 00:02:05,600 --> 00:02:07,520 Speaker 2: Probably a B. I think a B. 37 00:02:08,200 --> 00:02:11,120 Speaker 3: I like that. Let's learn a little bit more. My 38 00:02:11,240 --> 00:02:14,760 Speaker 3: favorite favorite question money dores. Can you tell me a 39 00:02:14,800 --> 00:02:16,760 Speaker 3: little bit more about your money story? 40 00:02:16,960 --> 00:02:20,280 Speaker 2: Yeah? So, growing up we didn't really talk too much 41 00:02:20,280 --> 00:02:22,679 Speaker 2: about money. When I got a job when I was fifteen, 42 00:02:23,520 --> 00:02:28,240 Speaker 2: my mum made sure that we knew, you know, to save, 43 00:02:28,520 --> 00:02:31,160 Speaker 2: but it wasn't like we didn't have like budgets or 44 00:02:31,200 --> 00:02:33,000 Speaker 2: anything like that. It was just you have to save, 45 00:02:33,040 --> 00:02:34,640 Speaker 2: you have to save, you have to save, and me, 46 00:02:34,720 --> 00:02:36,760 Speaker 2: being a teenager, I kind of ignored that and I 47 00:02:36,800 --> 00:02:38,400 Speaker 2: spent most of my money. 48 00:02:38,440 --> 00:02:41,400 Speaker 3: Like any good teenager does. I don't know anything when 49 00:02:41,400 --> 00:02:42,720 Speaker 3: you're a teenager, I. 50 00:02:42,760 --> 00:02:47,760 Speaker 2: Know, shocking. Yeah, And I mean skip forward fifteen years 51 00:02:47,800 --> 00:02:50,400 Speaker 2: and she's gone guarantee for us, which is amazing. 52 00:02:50,400 --> 00:02:53,120 Speaker 3: So she trusts you now, Yeah, yes, she mum, what 53 00:02:53,200 --> 00:02:58,280 Speaker 3: you worry about? Honestly? So tell me a little bit 54 00:02:58,280 --> 00:03:02,280 Speaker 3: more about growing up. What was my Obviously you didn't listen, 55 00:03:02,480 --> 00:03:04,160 Speaker 3: but what did that end up looking like? 56 00:03:04,600 --> 00:03:08,600 Speaker 2: Yeah? So, I mean, as far as sort of I 57 00:03:08,720 --> 00:03:12,360 Speaker 2: was aware, we never really struggled. Like I knew that 58 00:03:12,560 --> 00:03:15,640 Speaker 2: when we sold our family home, like where mum sold 59 00:03:15,680 --> 00:03:18,560 Speaker 2: it after my parents got divorced. It was probably a 60 00:03:18,600 --> 00:03:21,360 Speaker 2: good seven to eight years after that. She sold the 61 00:03:21,440 --> 00:03:24,960 Speaker 2: house because if she were to keep paying that mortgage, 62 00:03:24,960 --> 00:03:27,320 Speaker 2: she wouldn't have a life. So she made the decision 63 00:03:27,320 --> 00:03:30,600 Speaker 2: to sell the bigger house and build a new house 64 00:03:30,800 --> 00:03:32,280 Speaker 2: not too far away. I like that. 65 00:03:32,400 --> 00:03:35,280 Speaker 3: I feel like that's the type of compromise that sometimes 66 00:03:35,320 --> 00:03:37,000 Speaker 3: a lot of people don't want to make because that 67 00:03:37,000 --> 00:03:39,600 Speaker 3: would have been a hard decision, right, Like that's something 68 00:03:39,640 --> 00:03:43,600 Speaker 3: that a lot of pride would have ridden on that decision, 69 00:03:43,760 --> 00:03:46,280 Speaker 3: but she's obviously made the right one for her. What 70 00:03:46,320 --> 00:03:49,040 Speaker 3: does life look like now? Is she happier and healthier 71 00:03:49,080 --> 00:03:49,600 Speaker 3: and thriving? 72 00:03:49,720 --> 00:03:53,720 Speaker 2: Oh definitely, Yeah, she is thriving. And all my friends 73 00:03:53,800 --> 00:03:54,800 Speaker 2: think she's the coolest. 74 00:03:54,960 --> 00:03:55,560 Speaker 3: Oh we love that. 75 00:03:55,720 --> 00:03:57,880 Speaker 2: Now that I'm twenty seven, I think she's the coolest too. 76 00:03:58,040 --> 00:04:00,160 Speaker 3: So it just takes a little bit of can in 77 00:04:00,200 --> 00:04:00,880 Speaker 3: the scene, right. 78 00:04:00,840 --> 00:04:03,920 Speaker 2: Exactly, Yeah, asked me ten years ago. And that's not the. 79 00:04:03,880 --> 00:04:06,360 Speaker 3: Case, absolutely not. Mums can't be cool when you're a 80 00:04:06,360 --> 00:04:08,120 Speaker 3: seventeen year old, absolutely not. 81 00:04:08,440 --> 00:04:10,800 Speaker 2: H Yeah, and now she's doing quite well and she's 82 00:04:10,840 --> 00:04:13,320 Speaker 2: got not much mortgage left obviously in the position to 83 00:04:13,360 --> 00:04:17,039 Speaker 2: go guaranteur from myself and my partner. Yeah, so yeah, 84 00:04:17,080 --> 00:04:19,760 Speaker 2: she's doing well and she's thriving, and yeah, she lives 85 00:04:19,760 --> 00:04:21,880 Speaker 2: on her own and she always says I'll never live 86 00:04:21,920 --> 00:04:22,560 Speaker 2: with anyone else. 87 00:04:23,480 --> 00:04:25,719 Speaker 3: I love that. I feel like that's a vibe, get it, mum? 88 00:04:25,760 --> 00:04:26,440 Speaker 2: Yep? Exactly? 89 00:04:27,240 --> 00:04:29,039 Speaker 3: All right. I need to know what do you do 90 00:04:29,120 --> 00:04:31,240 Speaker 3: for work and how much money do you earn. 91 00:04:31,520 --> 00:04:35,240 Speaker 2: I am a sales support assistant for a custom clothing 92 00:04:35,240 --> 00:04:39,000 Speaker 2: company and I make sixty three K a year plus 93 00:04:39,040 --> 00:04:41,920 Speaker 2: super and plus five K commission a year. 94 00:04:42,279 --> 00:04:45,160 Speaker 3: What does that mean? What's a sales support assistant? Can 95 00:04:45,200 --> 00:04:46,720 Speaker 3: you tell me a little bit more about your day 96 00:04:46,760 --> 00:04:49,679 Speaker 3: to day. I'm super interested. It's a lot of customer service. 97 00:04:49,800 --> 00:04:52,039 Speaker 2: So we have our sales team who will get the 98 00:04:52,120 --> 00:04:54,720 Speaker 2: sale and then set up an order, and we do 99 00:04:54,800 --> 00:04:58,479 Speaker 2: a lot of custom clothes for year twelves and like 100 00:04:58,560 --> 00:04:59,720 Speaker 2: groups like that, So. 101 00:04:59,680 --> 00:05:02,800 Speaker 3: It's like a bulk, like a bigger order. Someone's not 102 00:05:02,839 --> 00:05:05,719 Speaker 3: just buying one thing, They're buying multiple Yeah. Yes, okay, 103 00:05:05,760 --> 00:05:07,359 Speaker 3: that makes more sense. I was like, what does our 104 00:05:07,400 --> 00:05:10,200 Speaker 3: support officer do in this back in this world? 105 00:05:11,240 --> 00:05:13,799 Speaker 2: Once the sales locked in and the order is open, 106 00:05:13,960 --> 00:05:16,600 Speaker 2: then we provide that support to the customer, so then 107 00:05:16,640 --> 00:05:20,400 Speaker 2: the sales team can continue getting more sales. Yeah cool. 108 00:05:20,839 --> 00:05:22,680 Speaker 3: Do you enjoy it? How did you get into this 109 00:05:22,760 --> 00:05:23,440 Speaker 3: line of work? 110 00:05:23,520 --> 00:05:26,720 Speaker 2: Yeah? So, I really, I really enjoy it. I was 111 00:05:26,760 --> 00:05:29,520 Speaker 2: just looking on seek one day and I applied for 112 00:05:29,560 --> 00:05:31,279 Speaker 2: some jobs. I was about to go back to the 113 00:05:31,400 --> 00:05:34,320 Speaker 2: UK for a month, and while I was sitting in 114 00:05:34,360 --> 00:05:37,360 Speaker 2: the airport on my way there, I got a phone 115 00:05:37,360 --> 00:05:40,040 Speaker 2: call from the recruitment person. Yeah, I was like, oh, 116 00:05:40,720 --> 00:05:42,520 Speaker 2: I'm sitting in the airport at the moment, but I'm 117 00:05:42,520 --> 00:05:45,840 Speaker 2: happy to do you know, virtual interviews. And she was like, yes, 118 00:05:45,880 --> 00:05:48,359 Speaker 2: that's not a problem, Like we can do virtual interviews 119 00:05:48,839 --> 00:05:51,920 Speaker 2: because so many of us are based from home. So 120 00:05:52,520 --> 00:05:54,440 Speaker 2: the time that I was in the UK for a month, 121 00:05:54,480 --> 00:05:56,160 Speaker 2: I was interviewing for this position. 122 00:05:56,360 --> 00:05:57,119 Speaker 3: Oh how good. 123 00:05:57,360 --> 00:05:59,599 Speaker 2: Yeah, and then by the time I got back, I 124 00:05:59,640 --> 00:06:02,599 Speaker 2: had a blind up for when I got back, which was. 125 00:06:02,600 --> 00:06:03,800 Speaker 3: Great money win. 126 00:06:04,040 --> 00:06:06,560 Speaker 2: I love that. Yeah, absolutely, so. 127 00:06:06,640 --> 00:06:08,599 Speaker 3: I want to know next, what's your big money goal. 128 00:06:08,600 --> 00:06:10,400 Speaker 3: What are we currently working towards. 129 00:06:10,680 --> 00:06:14,800 Speaker 2: Currently, we're working towards trying to take Mum off our 130 00:06:15,080 --> 00:06:19,320 Speaker 2: mortgage as guarantee. Up until sort of sort of March April, 131 00:06:19,640 --> 00:06:22,760 Speaker 2: we were aiming to buy a house and then we 132 00:06:23,080 --> 00:06:25,520 Speaker 2: achieved that, which is great, and yeah, our next next 133 00:06:25,520 --> 00:06:28,400 Speaker 2: big goal is to increase that equity in our house 134 00:06:28,839 --> 00:06:30,680 Speaker 2: to then be able to get Mum off alone. 135 00:06:30,839 --> 00:06:33,360 Speaker 3: I'm so pervy. I'm going to ask about all of 136 00:06:33,400 --> 00:06:36,200 Speaker 3: your house questions. Right after this, let's go to a 137 00:06:36,240 --> 00:06:43,920 Speaker 3: really quick break. Don't go anywhere all right, guys, we 138 00:06:43,960 --> 00:06:47,400 Speaker 3: are back and let's dive right back in. You have 139 00:06:47,720 --> 00:06:50,279 Speaker 3: just purchased your first home with your partner, and I 140 00:06:50,320 --> 00:06:53,080 Speaker 3: am so pervy. I want to know how you've done that. 141 00:06:53,120 --> 00:06:55,640 Speaker 3: I feel like I know because you mentioned that one 142 00:06:55,680 --> 00:06:57,360 Speaker 3: of your big money goals was to get your mum 143 00:06:57,480 --> 00:06:59,520 Speaker 3: off as a guaranteur. But can you talk me through 144 00:06:59,760 --> 00:07:01,880 Speaker 3: a little bit more of that process and what that 145 00:07:01,920 --> 00:07:04,280 Speaker 3: looks like and how it works, because I'm just so 146 00:07:04,360 --> 00:07:08,680 Speaker 3: interested to know how somebody in your salary bracket who 147 00:07:08,680 --> 00:07:11,600 Speaker 3: has just returned from overseas has managed to either save 148 00:07:11,600 --> 00:07:14,120 Speaker 3: a deposit or like swindle their way into a property. 149 00:07:14,400 --> 00:07:16,080 Speaker 3: I feel like this is going to be a very 150 00:07:16,120 --> 00:07:17,600 Speaker 3: exciting story to learn from. 151 00:07:17,960 --> 00:07:20,720 Speaker 2: Yeah, so pretty much from when my partner and I met. 152 00:07:20,840 --> 00:07:23,400 Speaker 2: Both of our goals was once I settled back down 153 00:07:23,400 --> 00:07:26,600 Speaker 2: into Australia was to buy a house. So it just 154 00:07:26,640 --> 00:07:30,800 Speaker 2: made sense to start saving for that straight away. I 155 00:07:30,880 --> 00:07:32,720 Speaker 2: gave Kate a call from Zella. 156 00:07:32,840 --> 00:07:35,520 Speaker 3: Great decision, honestly, one of your best. 157 00:07:35,600 --> 00:07:39,200 Speaker 2: Yeah, absolutely, I agree. Yeah, So I gave Kate a 158 00:07:39,240 --> 00:07:41,720 Speaker 2: call and she was telling me about how we only 159 00:07:41,760 --> 00:07:43,920 Speaker 2: need a five percent deposit, and then she was sort 160 00:07:43,920 --> 00:07:46,760 Speaker 2: of helping us work out roughly what we can borrow 161 00:07:47,080 --> 00:07:49,600 Speaker 2: and what sort of deposit plus purchasing costs we would 162 00:07:49,640 --> 00:07:53,040 Speaker 2: need for that, so we started saving like crazy, and 163 00:07:53,040 --> 00:07:54,640 Speaker 2: we were living with his mum at the time, so 164 00:07:54,680 --> 00:07:57,280 Speaker 2: paying rent, saving, we didn't have a lot leftover, but 165 00:07:57,320 --> 00:08:00,840 Speaker 2: we still lived pretty comfortably for ourselves. We got to 166 00:08:01,000 --> 00:08:02,440 Speaker 2: do the things that we wanted to do. We've been 167 00:08:02,440 --> 00:08:04,679 Speaker 2: to a lot of events in the last year as well, 168 00:08:04,720 --> 00:08:07,880 Speaker 2: like concerts and like a festival and stuff like that, 169 00:08:07,920 --> 00:08:10,480 Speaker 2: which has been really nice. We've still sort of allowed 170 00:08:10,520 --> 00:08:13,600 Speaker 2: ourselves to live a bit whilst being a little bit restrictive, 171 00:08:13,720 --> 00:08:15,320 Speaker 2: just to try and save as much as we could. 172 00:08:15,640 --> 00:08:17,880 Speaker 2: And then it turned out the mum was in a 173 00:08:17,880 --> 00:08:20,600 Speaker 2: position to go guaranteur for us. I had that discussion 174 00:08:20,640 --> 00:08:24,800 Speaker 2: with her back in March. Money win, yeah, absolutely, because 175 00:08:24,800 --> 00:08:27,040 Speaker 2: then we were able to borrow one hundred percent of 176 00:08:27,040 --> 00:08:30,160 Speaker 2: our purchase price, which meant all of our savings was 177 00:08:30,200 --> 00:08:33,240 Speaker 2: able to go to furnishing the house, to renovating the 178 00:08:33,320 --> 00:08:35,840 Speaker 2: house because we bought a thirty year old house. So 179 00:08:36,559 --> 00:08:40,200 Speaker 2: we painted, We've got the floors replaced. We still want 180 00:08:40,200 --> 00:08:43,000 Speaker 2: to get the kitchen and bathroom done, but it's a 181 00:08:43,000 --> 00:08:46,640 Speaker 2: whole new house. Everyone who sees it now they're just like, wow, 182 00:08:46,720 --> 00:08:48,600 Speaker 2: this is oh that. 183 00:08:48,840 --> 00:08:51,600 Speaker 3: So much And I feel like, obviously we have to 184 00:08:51,640 --> 00:08:54,920 Speaker 3: acknowledge that borrowing one hundred percent of the purchase price 185 00:08:55,040 --> 00:08:57,240 Speaker 3: can be a little bit risky, and Kate would have 186 00:08:57,320 --> 00:09:00,760 Speaker 3: taken you through that, but it can also be relative liberating. 187 00:09:00,760 --> 00:09:02,400 Speaker 3: If you're like, no, I know, I'm going to be 188 00:09:02,520 --> 00:09:04,199 Speaker 3: here for the long term and this is going to 189 00:09:04,280 --> 00:09:07,320 Speaker 3: work really well for me, it actually can free you 190 00:09:07,440 --> 00:09:10,880 Speaker 3: up a fair bit financially. Did you, when you, I 191 00:09:10,880 --> 00:09:14,120 Speaker 3: guess started the conversation with Kate, know where that was 192 00:09:14,160 --> 00:09:16,000 Speaker 3: going or did you think that that was a big 193 00:09:16,080 --> 00:09:18,640 Speaker 3: possibility for you in the near future, or did you 194 00:09:18,679 --> 00:09:20,320 Speaker 3: think it was going to take way longer or what 195 00:09:20,400 --> 00:09:21,120 Speaker 3: did that look like? 196 00:09:21,440 --> 00:09:24,079 Speaker 2: I thought it was probably going to take a bit longer, obviously, 197 00:09:24,120 --> 00:09:26,840 Speaker 2: because we planned on saving for a five percent deposit 198 00:09:27,000 --> 00:09:29,599 Speaker 2: when it turned out that we didn't need to necessarily, 199 00:09:29,760 --> 00:09:32,520 Speaker 2: it took about probably a year or two less than 200 00:09:32,520 --> 00:09:36,120 Speaker 2: what I thought it would. But yeah, so talking through 201 00:09:36,160 --> 00:09:37,679 Speaker 2: it with Kate, I just sort of had an idea 202 00:09:37,720 --> 00:09:39,920 Speaker 2: of what number we had to sort of get up to, 203 00:09:40,320 --> 00:09:42,600 Speaker 2: and yeah, we had a plan to get up to 204 00:09:42,640 --> 00:09:45,240 Speaker 2: that number while also living our lives. So it was, 205 00:09:45,280 --> 00:09:47,120 Speaker 2: you know, a rough idea of a year or two, 206 00:09:47,160 --> 00:09:49,160 Speaker 2: but The end goal was obviously to get into a 207 00:09:49,200 --> 00:09:52,000 Speaker 2: house as soon as possible and one that also met 208 00:09:52,000 --> 00:09:55,000 Speaker 2: our needs. So because we were living with my partner's mum, 209 00:09:55,440 --> 00:09:58,880 Speaker 2: we were quite comfortable, so we were happy to wait 210 00:09:58,920 --> 00:10:02,079 Speaker 2: for something that our needs. But we actually got very lucky, 211 00:10:02,120 --> 00:10:05,280 Speaker 2: and it was the second house that we viewed, but 212 00:10:05,360 --> 00:10:07,800 Speaker 2: the first house that we viewed together. So the first 213 00:10:07,800 --> 00:10:10,720 Speaker 2: house I just went by myself because my partner works 214 00:10:11,040 --> 00:10:13,200 Speaker 2: at a place that's not home. I work at home, 215 00:10:13,640 --> 00:10:16,160 Speaker 2: so I have a lot more flexibility. So yeah, but 216 00:10:16,200 --> 00:10:18,160 Speaker 2: it was the first place that we saw together. 217 00:10:18,320 --> 00:10:20,559 Speaker 3: Oh my gosh, I love that. That's such a good 218 00:10:20,640 --> 00:10:23,079 Speaker 3: journey and such a good story. I'm going to ask 219 00:10:23,120 --> 00:10:25,360 Speaker 3: about it in a hot second. I want to know, now, 220 00:10:25,440 --> 00:10:28,079 Speaker 3: do you have any investments. If so, what are they? 221 00:10:28,160 --> 00:10:30,040 Speaker 3: If not, do you want to invest? 222 00:10:30,559 --> 00:10:34,280 Speaker 2: I have a Chasia's account, and I have a Rai's 223 00:10:34,280 --> 00:10:37,520 Speaker 2: account as well. I haven't really looked too far into them. 224 00:10:37,720 --> 00:10:39,439 Speaker 2: It's been a very busy few months. 225 00:10:39,320 --> 00:10:40,280 Speaker 3: Understandably, so. 226 00:10:41,720 --> 00:10:44,480 Speaker 2: I do plan to sort of get more into those 227 00:10:44,559 --> 00:10:48,960 Speaker 2: and sort of start with the micro investing roundups with 228 00:10:49,120 --> 00:10:52,079 Speaker 2: Rays and then maybe get sort of more in depth 229 00:10:52,120 --> 00:10:54,120 Speaker 2: with Chasis in their future as well. 230 00:10:54,400 --> 00:10:57,160 Speaker 3: How fun? All right, we're back on the house content 231 00:10:57,240 --> 00:10:59,800 Speaker 3: because I just can't leave it alone. I want to 232 00:10:59,800 --> 00:11:02,480 Speaker 3: know about your debts. So do you have any debts? 233 00:11:02,520 --> 00:11:03,760 Speaker 3: If so, what are they? 234 00:11:03,960 --> 00:11:05,920 Speaker 2: So, the only debt we have is the mortgage, and 235 00:11:06,080 --> 00:11:08,840 Speaker 2: what is that sitting at. That's currently sitting at five 236 00:11:08,920 --> 00:11:11,320 Speaker 2: hundred and seventy thousand, which was the purchase prece we 237 00:11:11,440 --> 00:11:12,880 Speaker 2: settled about three weeks ago. 238 00:11:12,960 --> 00:11:16,160 Speaker 3: Oh my gosh, that's so soon. How good have you 239 00:11:16,240 --> 00:11:18,280 Speaker 3: moved in? You've moved in and you're like living in 240 00:11:18,320 --> 00:11:21,240 Speaker 3: there and renovating it. What has been your favorite part? 241 00:11:21,360 --> 00:11:23,520 Speaker 2: Probably walking in after it was painted and the floors 242 00:11:23,559 --> 00:11:25,000 Speaker 2: were done. That was great. 243 00:11:25,000 --> 00:11:29,360 Speaker 3: Crisp, right, crisp and fresh and feels like yours. Finally, absolutely, 244 00:11:29,400 --> 00:11:32,480 Speaker 3: But we currently don't have doors. Oh you don't need doors? Yeah, exactly, 245 00:11:32,800 --> 00:11:35,320 Speaker 3: So we don't need doors at the moment. I don't 246 00:11:35,320 --> 00:11:37,800 Speaker 3: even have running water in my house that I'm meant 247 00:11:37,800 --> 00:11:39,560 Speaker 3: to be living in. Oh, so, like, we don't even 248 00:11:39,600 --> 00:11:41,920 Speaker 3: need that, and I'm still planning on moving in very soon. 249 00:11:42,320 --> 00:11:44,000 Speaker 3: So it's fine. It's fine. You can just be in 250 00:11:44,000 --> 00:11:47,240 Speaker 3: love with a house. It's absolutely okay. Exactly have you 251 00:11:47,360 --> 00:11:49,240 Speaker 3: had your first mortgage payment not. 252 00:11:49,280 --> 00:11:51,840 Speaker 2: Yet, that comes out at the start of next month. 253 00:11:52,000 --> 00:11:54,960 Speaker 3: Oh scary. What is that going to set you back? 254 00:11:55,000 --> 00:11:55,440 Speaker 2: Do you think? 255 00:11:55,480 --> 00:11:56,680 Speaker 3: Each and every single month? 256 00:11:56,720 --> 00:11:59,199 Speaker 2: So at the moment it's sitting at three thousand, two 257 00:11:59,240 --> 00:12:04,120 Speaker 2: hundred and fifty month, but I believe after the increase 258 00:12:04,240 --> 00:12:05,800 Speaker 2: this month, that's going to go up again. 259 00:12:05,920 --> 00:12:09,200 Speaker 3: Yes, probably, And how do you feel about that? How 260 00:12:09,240 --> 00:12:10,920 Speaker 3: does that slot into your budget? 261 00:12:11,000 --> 00:12:13,800 Speaker 2: It slots in Okay, we did allow when we were 262 00:12:13,840 --> 00:12:16,800 Speaker 2: talking to Kate, we allowed, you know, for an extra 263 00:12:16,840 --> 00:12:20,840 Speaker 2: couple of increases. We were talking to Kate, and we 264 00:12:20,960 --> 00:12:23,079 Speaker 2: ended up going to sort of the max of our 265 00:12:23,120 --> 00:12:27,880 Speaker 2: budget because of the increasing house prices again, so they 266 00:12:27,880 --> 00:12:30,040 Speaker 2: started to sort of drop and then they started to 267 00:12:30,040 --> 00:12:33,320 Speaker 2: go up again. So we're still able to stick within 268 00:12:33,360 --> 00:12:36,560 Speaker 2: our budget and not have to postpone purchasing because we 269 00:12:36,600 --> 00:12:39,920 Speaker 2: did have to go to that maximum amount. But yeah, 270 00:12:39,960 --> 00:12:43,000 Speaker 2: we also did budget for that. And obviously the house 271 00:12:43,000 --> 00:12:45,120 Speaker 2: comes first for us, you know, if things do get 272 00:12:45,120 --> 00:12:46,840 Speaker 2: a little bit too much, then we will need to 273 00:12:46,840 --> 00:12:48,280 Speaker 2: compromise in other spaces. 274 00:12:48,320 --> 00:12:50,920 Speaker 3: But yeah, I like that you've already thought about that. 275 00:12:51,040 --> 00:12:53,720 Speaker 3: I feel like it's not that common to go through 276 00:12:53,760 --> 00:12:56,920 Speaker 3: that home buying process. And hear people say, oh, well, 277 00:12:56,960 --> 00:12:59,160 Speaker 3: actually we've factor it in for the next few rate 278 00:12:59,280 --> 00:13:02,080 Speaker 3: rises and should be okay, and these are our priorities 279 00:13:02,120 --> 00:13:04,079 Speaker 3: and this is what it's going to look like. Does 280 00:13:04,120 --> 00:13:06,360 Speaker 3: that make you feel a little bit more calm, Like 281 00:13:06,400 --> 00:13:09,120 Speaker 3: I feel like you're a relatively calm homeowner given a 282 00:13:09,160 --> 00:13:11,880 Speaker 3: lot of people at the moment are completely freaking out 283 00:13:11,920 --> 00:13:13,319 Speaker 3: about the interest rate rises. 284 00:13:13,679 --> 00:13:15,440 Speaker 2: Yeah, I mean it does make me feel a bit 285 00:13:15,480 --> 00:13:18,880 Speaker 2: more calm, just because we've planned for these things, and 286 00:13:18,920 --> 00:13:20,920 Speaker 2: my partner and I are on the same page as well, 287 00:13:21,440 --> 00:13:25,439 Speaker 2: so you know, if things go up too much, then 288 00:13:25,480 --> 00:13:27,760 Speaker 2: it's like, okay, we're going to have to he might 289 00:13:27,800 --> 00:13:29,200 Speaker 2: have to sell one of his three. 290 00:13:29,000 --> 00:13:32,640 Speaker 3: Cars or three cars. All right, Well you've opened that 291 00:13:32,720 --> 00:13:34,400 Speaker 3: can of Williams. What does he do for him? 292 00:13:34,720 --> 00:13:35,400 Speaker 2: He's a mechanic. 293 00:13:35,520 --> 00:13:40,319 Speaker 3: Oh okay, this story checks out very seriously. 294 00:13:40,480 --> 00:13:43,160 Speaker 2: Yep. So yeah, we do have plans in place for 295 00:13:43,800 --> 00:13:46,920 Speaker 2: you if it becomes too much, and you know, obviously 296 00:13:46,960 --> 00:13:50,439 Speaker 2: the very last case is to sell the house if 297 00:13:50,440 --> 00:13:52,640 Speaker 2: it was to come to that, but that's worst case scenario, 298 00:13:53,400 --> 00:13:56,000 Speaker 2: like that would be the very last thing that we 299 00:13:56,040 --> 00:13:56,800 Speaker 2: would ever want to do. 300 00:13:57,080 --> 00:13:59,440 Speaker 3: Yeah, of course, Well it's nice to know that you've 301 00:13:59,440 --> 00:14:01,440 Speaker 3: gone in I guess with your eyes open and you 302 00:14:01,520 --> 00:14:04,959 Speaker 3: understand the process, because I think sometimes a mortgage can 303 00:14:05,040 --> 00:14:07,679 Speaker 3: be all consuming and people often don't think about what 304 00:14:07,800 --> 00:14:11,000 Speaker 3: life looks like. After you've got that mortgage, you just go, oh, 305 00:14:11,000 --> 00:14:13,120 Speaker 3: my gosh, like this is the most exciting thing ever. 306 00:14:13,240 --> 00:14:15,680 Speaker 3: And then you realize that maybe you did buit it 307 00:14:15,679 --> 00:14:17,360 Speaker 3: off more than you can chew, and that you're not 308 00:14:17,400 --> 00:14:19,760 Speaker 3: in the best possible position. But it sounds like you 309 00:14:19,800 --> 00:14:23,040 Speaker 3: guys have it covered, and that makes me so excited. 310 00:14:23,960 --> 00:14:26,760 Speaker 3: I'm assuming you're pretty good at money, like you, at 311 00:14:26,800 --> 00:14:28,680 Speaker 3: the end of the day, have just bought a house, 312 00:14:28,800 --> 00:14:31,120 Speaker 3: like I feel like your money story leans towards you 313 00:14:31,200 --> 00:14:34,360 Speaker 3: making some savvy decisions. Tell me a little bit more 314 00:14:34,400 --> 00:14:36,600 Speaker 3: about what you think your best money habit is. 315 00:14:36,800 --> 00:14:40,240 Speaker 2: My best money habit is probably using the ses on 316 00:14:40,280 --> 00:14:44,760 Speaker 2: the money budget template because it just helps me see 317 00:14:45,200 --> 00:14:47,440 Speaker 2: exactly where my money is. And I know exactly where 318 00:14:47,480 --> 00:14:50,720 Speaker 2: my money is all the time, and I have automated 319 00:14:50,880 --> 00:14:53,960 Speaker 2: all my payments. I don't even have to every week 320 00:14:54,320 --> 00:14:57,280 Speaker 2: transfer money. It just automatically comes out, which is great. 321 00:14:57,280 --> 00:14:59,720 Speaker 2: Every payday it's gone, and then hey, I have this 322 00:14:59,800 --> 00:15:01,920 Speaker 2: much left over, which is awesome. 323 00:15:02,080 --> 00:15:04,840 Speaker 3: Oh my gosh, I wanted to just roll all the 324 00:15:04,880 --> 00:15:07,680 Speaker 3: way back to the letter that you wrote me, which 325 00:15:07,760 --> 00:15:10,720 Speaker 3: was very, very nice. But in it you mentioned that 326 00:15:11,040 --> 00:15:15,800 Speaker 3: you moved overseas sadly to an emotionally abusive relationship right 327 00:15:15,800 --> 00:15:18,680 Speaker 3: before COVID hit. So I feel like this is a 328 00:15:18,720 --> 00:15:22,680 Speaker 3: glow up, like this is from one thing to another. 329 00:15:23,840 --> 00:15:26,920 Speaker 3: What was your experience going through that. Is this a 330 00:15:27,000 --> 00:15:30,200 Speaker 3: reality that you saw happening for you? Is this something 331 00:15:30,280 --> 00:15:32,520 Speaker 3: where you were like, oh my gosh. No, of course, Victoria, 332 00:15:32,640 --> 00:15:35,440 Speaker 3: I was always super positive through this because if it 333 00:15:35,480 --> 00:15:38,200 Speaker 3: was an emotionally abusive relationship, I'm assuming it kind of 334 00:15:38,360 --> 00:15:40,960 Speaker 3: got you down a fair bit. So how my friend, 335 00:15:40,960 --> 00:15:45,160 Speaker 3: did you get through this? Because your story is relatively inspirational, 336 00:15:45,200 --> 00:15:46,720 Speaker 3: and I look at it and go, oh my gosh, 337 00:15:46,960 --> 00:15:48,640 Speaker 3: how did she do this and then come out the 338 00:15:48,720 --> 00:15:52,760 Speaker 3: end looking super shiny, super amazing and like absolutely living 339 00:15:52,760 --> 00:15:53,440 Speaker 3: her best life. 340 00:15:53,640 --> 00:15:56,200 Speaker 2: Yes, So I always sort of wanted to move to 341 00:15:56,240 --> 00:16:00,440 Speaker 2: the UK to experience living overseas, and and I'm a 342 00:16:00,520 --> 00:16:03,000 Speaker 2: dual citizen, so it was nice and easy for me 343 00:16:03,040 --> 00:16:05,760 Speaker 2: to do, which was nice. But when I went to 344 00:16:05,960 --> 00:16:09,720 Speaker 2: visit my friend who lives in the UK. I met 345 00:16:09,720 --> 00:16:13,920 Speaker 2: her brother, and then that's when we sort of started talking, 346 00:16:13,960 --> 00:16:16,400 Speaker 2: got into a relationship, and I ended up moving over 347 00:16:16,440 --> 00:16:20,160 Speaker 2: there to their hometown. So I had no family and 348 00:16:20,240 --> 00:16:23,320 Speaker 2: friends around me in person except for his two sisters. 349 00:16:23,800 --> 00:16:27,760 Speaker 2: And pretty quickly it was obviously it was very stressful 350 00:16:27,800 --> 00:16:31,440 Speaker 2: moving over there with no support around me in person, 351 00:16:31,520 --> 00:16:33,800 Speaker 2: but I had a lot of support around me, you know, 352 00:16:33,880 --> 00:16:36,680 Speaker 2: over the phone and stuff like that. Yeah, of course. Yeah. 353 00:16:36,720 --> 00:16:42,000 Speaker 2: So very quickly he started picking fights with me. It 354 00:16:42,080 --> 00:16:45,520 Speaker 2: seemed that, you know, he wasn't very empathetic to my stress, 355 00:16:45,680 --> 00:16:49,120 Speaker 2: and it was very easy to upset me and trigger 356 00:16:49,160 --> 00:16:52,600 Speaker 2: me into like fights and that sort of thing. So 357 00:16:52,800 --> 00:16:56,240 Speaker 2: he would start arguments and then he would go and 358 00:16:56,280 --> 00:17:00,280 Speaker 2: complain to his family about how awful I was and 359 00:17:00,400 --> 00:17:02,920 Speaker 2: saying that I'm just picking fights and being angry at 360 00:17:03,000 --> 00:17:07,560 Speaker 2: him for no reason. And one time it was very 361 00:17:07,600 --> 00:17:10,240 Speaker 2: lucky for me that he actually did it right in 362 00:17:10,280 --> 00:17:14,399 Speaker 2: front of his older sister. And then I ended up 363 00:17:14,440 --> 00:17:16,199 Speaker 2: leaving this is at her house. So I ended up 364 00:17:16,280 --> 00:17:19,359 Speaker 2: leaving her house. I was like, I'm not doing this right. 365 00:17:19,240 --> 00:17:21,040 Speaker 3: Now, not here, not right now. 366 00:17:21,160 --> 00:17:24,000 Speaker 2: I'm leaving. See when you get home. Sort of thing, 367 00:17:24,600 --> 00:17:26,440 Speaker 2: and then I messaged her later on, I'm like, I'm 368 00:17:26,480 --> 00:17:29,080 Speaker 2: so sorry, Like, obviously I didn't want to up and 369 00:17:29,160 --> 00:17:33,040 Speaker 2: leave like that, spending time with you was obviously our 370 00:17:33,040 --> 00:17:36,320 Speaker 2: priority for that time, and like that happened, and she's like, no, 371 00:17:36,440 --> 00:17:39,400 Speaker 2: I can actually see what's going on now, and. 372 00:17:39,440 --> 00:17:42,080 Speaker 3: Oh, it's awful that you have to do that, but 373 00:17:42,200 --> 00:17:44,280 Speaker 3: like it's kind of good that they got to see 374 00:17:44,280 --> 00:17:45,439 Speaker 3: it from your perspectives. 375 00:17:45,440 --> 00:17:45,920 Speaker 2: Exactly. 376 00:17:46,280 --> 00:17:47,840 Speaker 3: I thought you were going to tell me that his 377 00:17:47,920 --> 00:17:50,480 Speaker 3: whole family were going to be against you, because you know, 378 00:17:50,640 --> 00:17:53,639 Speaker 3: anyone messes with my sister, oh you've got another thing coming. 379 00:17:53,800 --> 00:17:56,480 Speaker 3: I'm the only one that's allowed to mess with her, exactly. 380 00:17:56,560 --> 00:17:59,679 Speaker 3: So I genuinely assumed that you were going to tell me. 381 00:18:00,119 --> 00:18:02,280 Speaker 3: They didn't see it, and I was all alone. So 382 00:18:02,359 --> 00:18:03,320 Speaker 3: what happened next? 383 00:18:03,520 --> 00:18:07,040 Speaker 2: Yeah, so next to COVID hit. So I had got 384 00:18:07,080 --> 00:18:10,600 Speaker 2: a job in the February and I was I started 385 00:18:10,600 --> 00:18:13,760 Speaker 2: that job in March at the very start of March. 386 00:18:14,480 --> 00:18:17,439 Speaker 2: That was the day that Italy went into lockdown. A 387 00:18:17,480 --> 00:18:19,840 Speaker 2: week later, we lost our jobs. So it was in 388 00:18:19,840 --> 00:18:20,760 Speaker 2: the travel industry. 389 00:18:20,840 --> 00:18:24,399 Speaker 3: Gosh, oh my gosh, like the first to go, yes, 390 00:18:24,560 --> 00:18:25,680 Speaker 3: kick you while you're down. 391 00:18:25,720 --> 00:18:29,359 Speaker 2: Oh yeah, one hundred percent. Yeah. So I worked for 392 00:18:29,400 --> 00:18:32,320 Speaker 2: flight Center for four years before I moved to the UK, 393 00:18:32,600 --> 00:18:36,800 Speaker 2: so going back into the travel industry was suitable and easy. Yeah. So, 394 00:18:37,400 --> 00:18:40,639 Speaker 2: and then obviously COVID happened and we went into lockdown 395 00:18:40,800 --> 00:18:44,720 Speaker 2: after I lost my job, and he was very unsympathetic 396 00:18:44,760 --> 00:18:48,160 Speaker 2: about me losing my job as well, So two days 397 00:18:48,160 --> 00:18:51,560 Speaker 2: after it, I was still quite upset, and his words were, 398 00:18:51,840 --> 00:18:53,240 Speaker 2: I thought you'd be over it by now. 399 00:18:53,400 --> 00:18:57,080 Speaker 3: I lost my job, and you're a piece of trash, 400 00:18:57,160 --> 00:18:59,400 Speaker 3: so why would I be over there exactly. 401 00:18:59,600 --> 00:19:02,359 Speaker 2: Yeah, And getting that job it was like, okay, great, 402 00:19:02,720 --> 00:19:04,359 Speaker 2: now I can make a plan to leave. Now I 403 00:19:04,400 --> 00:19:05,680 Speaker 2: can look at my own plan. 404 00:19:05,920 --> 00:19:08,080 Speaker 3: Now you're not tied because you don't feel bad quitting 405 00:19:08,080 --> 00:19:09,600 Speaker 3: a job that you'd started so soon. 406 00:19:09,840 --> 00:19:12,639 Speaker 2: Yeah, so I was able to. I was thinking I 407 00:19:12,680 --> 00:19:15,199 Speaker 2: was going to be able to move out into my 408 00:19:15,240 --> 00:19:18,480 Speaker 2: own flat, leave him and all that, and then when 409 00:19:18,520 --> 00:19:21,879 Speaker 2: I lost that job, it was like, oh, I'm stuck again. 410 00:19:21,920 --> 00:19:24,280 Speaker 2: That was your freedom, Yeah, it was my freedom. And 411 00:19:24,320 --> 00:19:28,000 Speaker 2: then I was stuck in the flat with him for 412 00:19:28,600 --> 00:19:33,600 Speaker 2: all of the first lockdown. Luckily, he worked in like 413 00:19:33,640 --> 00:19:39,400 Speaker 2: a freight distribution warehouse, so he didn't lose work at all, 414 00:19:39,960 --> 00:19:42,720 Speaker 2: which was great because it meant I got some time 415 00:19:42,720 --> 00:19:44,120 Speaker 2: without him in lockdown. 416 00:19:44,160 --> 00:19:46,840 Speaker 3: Yeah, and he wasn't home twenty four seven exactly. 417 00:19:47,000 --> 00:19:49,120 Speaker 2: Yeah, so that was definitely a bit of a relief. 418 00:19:49,720 --> 00:19:53,159 Speaker 2: But yeah, and then during lockdown he would do like 419 00:19:53,240 --> 00:19:56,280 Speaker 2: little things that were just built up, like, for example, 420 00:19:57,080 --> 00:19:59,360 Speaker 2: in the kitchen, he wouldn't we had one of those 421 00:19:59,400 --> 00:20:02,080 Speaker 2: bins that you like pressed down and it clicks in. 422 00:20:02,320 --> 00:20:04,640 Speaker 2: Oh yeah, yeah, So he would never close that bin, 423 00:20:05,359 --> 00:20:08,840 Speaker 2: and it stunk out the whole one bedroom apartment because 424 00:20:08,840 --> 00:20:11,520 Speaker 2: it's such a small apartment and it's a kitchen bin. 425 00:20:11,680 --> 00:20:14,480 Speaker 2: They smell. And then when I said something, he would 426 00:20:14,520 --> 00:20:16,600 Speaker 2: just try and convince me that the bin was broken, 427 00:20:17,280 --> 00:20:19,840 Speaker 2: which obviously it wasn't because I was having no problems 428 00:20:19,960 --> 00:20:20,479 Speaker 2: closing it. 429 00:20:20,680 --> 00:20:22,840 Speaker 3: Sir, you are trying to gaslight me and you're not 430 00:20:22,920 --> 00:20:24,680 Speaker 3: even doing a good job exactly. 431 00:20:24,880 --> 00:20:27,639 Speaker 2: Yeah. So he that was just one of the examples 432 00:20:27,640 --> 00:20:31,200 Speaker 2: of him gaslighting me. And then one time I saw 433 00:20:31,320 --> 00:20:35,000 Speaker 2: him not close the bin, like he opened it, put 434 00:20:35,040 --> 00:20:37,640 Speaker 2: something in it and then walked away, and I was like. 435 00:20:37,640 --> 00:20:40,080 Speaker 3: Ah, And it's always the small things that break the 436 00:20:40,119 --> 00:20:43,879 Speaker 3: camel's back, exactly, Like there's obviously way bigger issues in 437 00:20:43,920 --> 00:20:48,439 Speaker 3: your relationship, because I promise you, if it was just 438 00:20:48,480 --> 00:20:51,159 Speaker 3: the bin, then we've got a big problem. But you 439 00:20:51,320 --> 00:20:53,840 Speaker 3: just know it's not the bin. Like this is manifesting 440 00:20:53,880 --> 00:20:56,359 Speaker 3: and coming out in the frustration, and like it's all 441 00:20:56,400 --> 00:20:58,760 Speaker 3: small things that they know they could fix, or that 442 00:20:58,960 --> 00:21:02,040 Speaker 3: anybody could fix, but they're just choosing not to. Exactly, 443 00:21:02,040 --> 00:21:05,240 Speaker 3: you're watching he one hundred percent exactly. 444 00:21:04,800 --> 00:21:08,120 Speaker 2: And yeah, he swore black and blue that he could 445 00:21:08,160 --> 00:21:11,360 Speaker 2: have sworn on someone's life that he closed that bin. 446 00:21:11,520 --> 00:21:13,240 Speaker 2: And I saw it with my own eyes that he 447 00:21:13,280 --> 00:21:17,439 Speaker 2: did not, so so sit down. Yeah, the gas lighting 448 00:21:17,520 --> 00:21:18,600 Speaker 2: was just next level. 449 00:21:18,800 --> 00:21:21,159 Speaker 3: He needs some training and gas lighting like do it 450 00:21:21,200 --> 00:21:22,920 Speaker 3: probably if you're going to do it at all, sir. 451 00:21:23,000 --> 00:21:24,080 Speaker 2: I know exactly. 452 00:21:24,480 --> 00:21:26,720 Speaker 3: Oh my gosh, I'm so sorry you went through that 453 00:21:26,800 --> 00:21:29,760 Speaker 3: because it would have been emotionally and mentally draining. It 454 00:21:29,800 --> 00:21:32,320 Speaker 3: would have just beat you while that you were down, 455 00:21:32,400 --> 00:21:35,000 Speaker 3: like you'd already felt a bit trashy because you've lost 456 00:21:35,000 --> 00:21:36,879 Speaker 3: your job in COVID and you're away from your family 457 00:21:36,920 --> 00:21:39,399 Speaker 3: and friends, and like it's just not it's kind of 458 00:21:39,440 --> 00:21:41,879 Speaker 3: like a storm right in a teacup where it's just 459 00:21:41,920 --> 00:21:45,440 Speaker 3: like my entire world doesn't make sense exactly. 460 00:21:45,560 --> 00:21:48,120 Speaker 2: Yeah. So I was stuck in that cycle until about 461 00:21:48,200 --> 00:21:51,119 Speaker 2: June July when we were allowed out. And luckily my 462 00:21:51,200 --> 00:21:53,000 Speaker 2: dad lives in the UK as well, so. 463 00:21:53,280 --> 00:21:54,800 Speaker 3: Oh my gosh, how good. 464 00:21:55,119 --> 00:21:57,640 Speaker 2: Yeah. Yeah, so he lived a couple of hours away 465 00:21:57,680 --> 00:22:00,680 Speaker 2: from where I lived. But once the first down ended, 466 00:22:00,720 --> 00:22:04,280 Speaker 2: we were able to rent cars again and vans, so 467 00:22:04,320 --> 00:22:06,600 Speaker 2: I got him to rent a van to come pick 468 00:22:06,640 --> 00:22:08,960 Speaker 2: me up. And then that was the second time in 469 00:22:09,040 --> 00:22:11,240 Speaker 2: six months that I started all over again, and I 470 00:22:11,280 --> 00:22:12,359 Speaker 2: went and lived in London. 471 00:22:12,520 --> 00:22:14,760 Speaker 3: Oh my gosh. So what happened when you moved in 472 00:22:14,760 --> 00:22:16,680 Speaker 3: with your dad? Was it all up from there? 473 00:22:16,880 --> 00:22:19,760 Speaker 2: Pretty much? Yeah? So, I mean, there was definitely rocky 474 00:22:19,920 --> 00:22:21,800 Speaker 2: when I was in London, but it was it was 475 00:22:21,840 --> 00:22:24,160 Speaker 2: two years of living in a different country. I lived 476 00:22:24,160 --> 00:22:27,000 Speaker 2: with my dad for six weeks and then I moved 477 00:22:27,040 --> 00:22:30,640 Speaker 2: into the city by myself, and I moved I think 478 00:22:30,800 --> 00:22:35,320 Speaker 2: three or four times within a year or two London life, yep, exactly. 479 00:22:35,400 --> 00:22:37,639 Speaker 2: So that was a bit painful, but you know, it 480 00:22:37,680 --> 00:22:39,520 Speaker 2: was good. I had some steady work. I was working 481 00:22:39,600 --> 00:22:42,800 Speaker 2: in schools as a teaching assistant and a mentor, so 482 00:22:42,840 --> 00:22:46,080 Speaker 2: that was really nice. I really liked that and yeah, 483 00:22:46,160 --> 00:22:48,960 Speaker 2: and then I ended up moving home. 484 00:22:49,200 --> 00:22:52,400 Speaker 3: Oh how good? And can I be real sneaky and cheeky? 485 00:22:52,440 --> 00:22:54,240 Speaker 3: I want to know how did you meet your current partner? 486 00:22:54,320 --> 00:22:55,840 Speaker 3: Like when does he come into the mix? 487 00:22:56,080 --> 00:22:59,080 Speaker 2: Yeah? So he comes into the mix. In February of 488 00:22:59,119 --> 00:23:01,600 Speaker 2: twenty twenty two, So, while I was in the UK, 489 00:23:01,880 --> 00:23:04,199 Speaker 2: unfortunately I lost my cousin to suicide. 490 00:23:04,240 --> 00:23:05,679 Speaker 3: I'm so sorry you went through that. 491 00:23:05,960 --> 00:23:10,680 Speaker 2: Thank you. I decided to fly home for her funeral 492 00:23:10,720 --> 00:23:13,320 Speaker 2: and to be with my family, obviously, because I needed 493 00:23:13,320 --> 00:23:17,000 Speaker 2: that support. I didn't want to sort of be by myself. 494 00:23:17,280 --> 00:23:19,919 Speaker 2: I obviously had friends and family over there, but it 495 00:23:19,960 --> 00:23:22,840 Speaker 2: wasn't the right side of the family. And it was, 496 00:23:23,240 --> 00:23:26,639 Speaker 2: you know, being there and being able to lean on 497 00:23:26,680 --> 00:23:28,560 Speaker 2: all my family and have them lean on me, and 498 00:23:28,600 --> 00:23:32,800 Speaker 2: everything was good. And then while I was in Australia 499 00:23:32,920 --> 00:23:35,600 Speaker 2: on that trip, I went to visit one of my 500 00:23:35,640 --> 00:23:40,159 Speaker 2: auntie and uncles and he used to be their neighbor, 501 00:23:40,640 --> 00:23:43,159 Speaker 2: so they were friends, and he was there for my 502 00:23:43,240 --> 00:23:47,240 Speaker 2: auntie's birthday and then my mum and my auntie were 503 00:23:47,240 --> 00:23:48,720 Speaker 2: plotting how to set us up. 504 00:23:49,640 --> 00:23:51,080 Speaker 3: They knew oh yeah. 505 00:23:50,920 --> 00:23:54,159 Speaker 2: Absolutely yeah, but I thought I'd just beat them to it. 506 00:23:54,359 --> 00:23:56,760 Speaker 2: So I added him on socials and then we started 507 00:23:56,760 --> 00:23:57,840 Speaker 2: talking a few days later. 508 00:23:57,920 --> 00:24:00,280 Speaker 3: I'll do this myself, Mum. I don't need you. 509 00:24:00,080 --> 00:24:04,199 Speaker 2: Exactly, because I know how embarrassing these two are just 510 00:24:04,359 --> 00:24:06,080 Speaker 2: by themselves, let alone together. 511 00:24:06,200 --> 00:24:07,640 Speaker 3: He knows he lived next door. 512 00:24:09,000 --> 00:24:10,800 Speaker 2: Yeah, so I'm like, oh, you know what, I'm not 513 00:24:10,880 --> 00:24:12,400 Speaker 2: letting this happen. I'll do it myself. 514 00:24:13,720 --> 00:24:17,119 Speaker 3: I love that so much. That's a really wholesome story. 515 00:24:17,160 --> 00:24:20,080 Speaker 3: And now you've bought a house together and you're renovating it. Oh, 516 00:24:20,080 --> 00:24:21,840 Speaker 3: that makes me so happy to know that you're in 517 00:24:21,920 --> 00:24:22,760 Speaker 3: such a better place. 518 00:24:22,880 --> 00:24:26,240 Speaker 2: Yeah. Absolutely. I ended up extending my trip for an 519 00:24:26,240 --> 00:24:28,520 Speaker 2: extra week than I planned, so we spent sort of 520 00:24:28,560 --> 00:24:30,600 Speaker 2: the next two three weeks together before I went back 521 00:24:30,600 --> 00:24:33,480 Speaker 2: to the UK, and straight away it was I was 522 00:24:33,520 --> 00:24:35,639 Speaker 2: supposed to be in the UK for another six months, 523 00:24:36,119 --> 00:24:39,080 Speaker 2: but straight away he was like, yeah, it's fine, we'll 524 00:24:39,080 --> 00:24:40,920 Speaker 2: do long distance. I'll be waiting here for you when 525 00:24:40,960 --> 00:24:41,600 Speaker 2: you get back. 526 00:24:41,680 --> 00:24:43,040 Speaker 3: Oh my gosh, what a honey. 527 00:24:43,320 --> 00:24:46,320 Speaker 2: Yeah. So, and I lasted one week until I booked 528 00:24:46,320 --> 00:24:48,000 Speaker 2: a flight for a month later. 529 00:24:49,160 --> 00:24:51,719 Speaker 3: I love that so much. You're like, I am a 530 00:24:51,800 --> 00:24:55,400 Speaker 3: strong independent woman unless I'm in love. 531 00:24:57,240 --> 00:24:59,760 Speaker 2: Exactly and don't listen to me. 532 00:25:02,240 --> 00:25:04,080 Speaker 3: I love that so much. It makes my heart so 533 00:25:04,119 --> 00:25:06,640 Speaker 3: happy hearing people's love stories. So I was like, tell 534 00:25:06,680 --> 00:25:08,600 Speaker 3: me about that part because I feel like that part 535 00:25:08,640 --> 00:25:11,440 Speaker 3: will be really cute. Oh my gosh. And now you're 536 00:25:11,440 --> 00:25:14,200 Speaker 3: building a little life together. What's next? 537 00:25:14,600 --> 00:25:17,879 Speaker 2: What's next is continuing the renovations, Yeah, and sort of 538 00:25:18,680 --> 00:25:21,480 Speaker 2: getting the property up to what we need it to be. 539 00:25:21,840 --> 00:25:23,560 Speaker 2: He wants to put a big shed on the property. 540 00:25:23,800 --> 00:25:26,359 Speaker 2: So it's got a decent backyard and frontyard. 541 00:25:26,440 --> 00:25:29,080 Speaker 3: Now good, Oh my gosh. I love that so much. 542 00:25:29,400 --> 00:25:32,560 Speaker 3: That was essentially your answer to what is your best 543 00:25:32,600 --> 00:25:34,719 Speaker 3: money habit? So I guess I now should ask you 544 00:25:35,000 --> 00:25:37,840 Speaker 3: what's your worst money habit? And I promise everybody it's 545 00:25:37,880 --> 00:25:39,840 Speaker 3: not going to be as long wind dead. So what 546 00:25:39,880 --> 00:25:41,439 Speaker 3: do you reckon your worst money? 547 00:25:41,440 --> 00:25:45,199 Speaker 2: How? That is my worst money habit is? Probably I 548 00:25:45,240 --> 00:25:48,880 Speaker 2: can be quite impulsive. So if I want something, oh, 549 00:25:48,960 --> 00:25:53,480 Speaker 2: generally hyper fixate on it, and I won't like weigh 550 00:25:53,560 --> 00:25:56,200 Speaker 2: up the pros and cons necessarily, I will just hyper 551 00:25:56,200 --> 00:25:58,920 Speaker 2: fixate on it until I press to kat and check out. 552 00:25:59,119 --> 00:26:01,840 Speaker 3: That's actually quite funny. Are you putting twenty four hours 553 00:26:01,840 --> 00:26:03,280 Speaker 3: between you and your spending. 554 00:26:03,119 --> 00:26:05,080 Speaker 2: It might be an hour, it might be a week. 555 00:26:05,280 --> 00:26:08,199 Speaker 3: Oh, but it's still hyper fixated and we're still going 556 00:26:08,280 --> 00:26:09,880 Speaker 3: to do this regardless exactly. 557 00:26:10,160 --> 00:26:12,639 Speaker 2: Yeah, I just I figure out ways to justify it. 558 00:26:12,760 --> 00:26:14,119 Speaker 2: Regardless of how long it takes. 559 00:26:14,240 --> 00:26:16,719 Speaker 3: You'll just spend a week justifying it and do it anyway. 560 00:26:16,800 --> 00:26:17,960 Speaker 2: Exactly. Oh my gosh. 561 00:26:18,080 --> 00:26:19,800 Speaker 3: I'm going to say I love that, but I don't 562 00:26:19,960 --> 00:26:22,639 Speaker 3: because it's obviously not great. But at the same time, 563 00:26:22,880 --> 00:26:25,320 Speaker 3: I love that you're self aware about that and it 564 00:26:25,359 --> 00:26:30,840 Speaker 3: clearly makes you happy, exactly exactly. All right, Well, unfortunately 565 00:26:30,880 --> 00:26:33,160 Speaker 3: that is all we have time for today. It has 566 00:26:33,240 --> 00:26:37,080 Speaker 3: been beautiful Money Diarist learning about your story and sharing 567 00:26:37,119 --> 00:26:39,119 Speaker 3: some really important tips in tricks. And I think that, 568 00:26:39,480 --> 00:26:41,840 Speaker 3: apart from the fact that it's so cool to know 569 00:26:41,920 --> 00:26:44,320 Speaker 3: that you got into your first home using Zella money, 570 00:26:44,480 --> 00:26:47,560 Speaker 3: obviously I'm very biased, I also think it's just such 571 00:26:47,600 --> 00:26:50,080 Speaker 3: a nice story to share because there are going to 572 00:26:50,080 --> 00:26:52,800 Speaker 3: be people listening to this that are in not so 573 00:26:52,880 --> 00:26:56,000 Speaker 3: great relationships or situations that they want to get out of, 574 00:26:56,359 --> 00:26:58,159 Speaker 3: and knowing that not only have you gotten out of it, 575 00:26:58,280 --> 00:27:00,239 Speaker 3: you have had an absolute glow up in you are 576 00:27:00,240 --> 00:27:02,800 Speaker 3: living your best life. It makes me so happy knowing 577 00:27:02,880 --> 00:27:04,440 Speaker 3: you have a job that you love, and you've moved 578 00:27:04,480 --> 00:27:06,040 Speaker 3: into your house and you're renovating it, and you have 579 00:27:06,080 --> 00:27:07,840 Speaker 3: this partner that you're in love with, and it's just 580 00:27:08,160 --> 00:27:11,160 Speaker 3: it's such a nice story to share because I think 581 00:27:11,240 --> 00:27:14,040 Speaker 3: that being able to see that puts a light at 582 00:27:14,040 --> 00:27:15,840 Speaker 3: the end of the tunnel for a lot of people. 583 00:27:15,920 --> 00:27:17,719 Speaker 3: So I really appreciate it. Thank you. 584 00:27:17,920 --> 00:27:21,439 Speaker 2: Yeah, absolutely, I'm really glad that I could share my 585 00:27:21,520 --> 00:27:26,280 Speaker 2: story and hopefully inspire someone to leave that situation if 586 00:27:26,280 --> 00:27:28,879 Speaker 2: they're in it. There's a lot of support, especially around 587 00:27:28,880 --> 00:27:32,000 Speaker 2: on social media. So many of these groups that I'm 588 00:27:32,000 --> 00:27:34,560 Speaker 2: in as well, they really helped sort of put things 589 00:27:34,600 --> 00:27:39,040 Speaker 2: into perspectives. So yeah, really nice just communities around in 590 00:27:39,119 --> 00:27:41,880 Speaker 2: girls groups and they've been really really helpful as well. 591 00:27:42,000 --> 00:27:43,919 Speaker 3: My gosh, I love that so much. Thank you so 592 00:27:44,000 --> 00:27:45,960 Speaker 3: much for sharing so much time with me. I really 593 00:27:46,000 --> 00:27:46,720 Speaker 3: appreciate it. 594 00:27:46,760 --> 00:27:48,080 Speaker 2: Well, thank you so much for having me. 595 00:27:54,440 --> 00:27:57,040 Speaker 4: The advice shared on Cheese on the Money is generally 596 00:27:57,200 --> 00:28:01,000 Speaker 4: nature and does not consider your individual circumstance. She's on 597 00:28:01,040 --> 00:28:04,560 Speaker 4: the Money exists purely for educational purposes and should not 598 00:28:04,600 --> 00:28:07,600 Speaker 4: be relied upon to make an investment or financial decision. 599 00:28:08,000 --> 00:28:10,440 Speaker 4: If you do choose to buy a financial product, read 600 00:28:10,440 --> 00:28:13,800 Speaker 4: the PDS TMD and obtain appropriate financial. 601 00:28:13,359 --> 00:28:15,159 Speaker 3: Advice tailored towards your needs. 602 00:28:15,520 --> 00:28:19,440 Speaker 4: Victoria, Divine and She's on the Money are authorized representatives 603 00:28:19,480 --> 00:28:23,200 Speaker 4: of money Sherpa Pty Ltd a BN three two one 604 00:28:23,400 --> 00:28:27,280 Speaker 4: six four nine two seven seven zero eight AFSL four 605 00:28:27,400 --> 00:28:31,000 Speaker 4: five one two eight nine