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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money.

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Speaker 2: She's on the Money. Hello and welcome. She's on the Money,

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Speaker 2: the podcast for millennials who want financial freedom. Welcome back

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Speaker 2: to another one of our Shop Back Money diaries, where

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Speaker 2: you're probably feeling a little bit confused because who you're

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Speaker 2: hearing is Victoria Devine, not miss Jesse Rici. She's decided

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Speaker 2: to go on an epic holiday to India and thus

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Speaker 2: I am riding solo, which I'm really excited about because

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Speaker 2: it means I can ask whatever I want without being

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Speaker 2: told to move on. So this is a solid ten

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Speaker 2: out of ten this week we have a goodie for

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Speaker 2: you guys, so let's dive straight in. Our money. Diarist

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Speaker 2: wrote in and said, growing up, my parents used to

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Speaker 2: just spend, spend, spend. It was my grandmother who taught

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Speaker 2: me the value of money and the importance of savings.

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Speaker 2: She was living off the Center Link pension and always

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Speaker 2: found a way to make her money stretch. When I

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Speaker 2: was twenty three years old, my partner left me at

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Speaker 2: seven and a half months pregnant. When my son was

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Speaker 2: three months old, I began my bachelor's degree, and when

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Speaker 2: he was four months old, we moved to an Aboriginal

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Speaker 2: community so I could start work where a lot of

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Speaker 2: the living expenses were subsidized. I was able to save

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Speaker 2: two thirds of my income, and by the time I

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Speaker 2: was twenty six years old, I finished my bachelor's degree

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Speaker 2: and purchased our home all by myself. We are now

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Speaker 2: back in a city where I am currently working in

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Speaker 2: the profession that I studied for. Although I'm only at

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Speaker 2: the beginning of my career, I can see the light

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Speaker 2: at the end of the tunnel where I am earning more.

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Speaker 2: I'm able to pay down our home and invest more,

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Speaker 2: so hopefully one day I can purchase. The next important

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Speaker 2: thing my financial freedom. Oh my gosh, money darist, what

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Speaker 2: a story. Welcome to the show.

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Speaker 3: Thank you, very happy to be here.

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Speaker 2: Oh my gosh, you sound like an absolute hustler. Imagine

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Speaker 2: getting pregnant and being like, you know what, I'm gonna

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Speaker 2: have this baby and I'm going to move on to

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Speaker 2: a remote community so that i can work and it

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Speaker 2: makes sense for us. I'm honestly in awe and have

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Speaker 2: so many questions. Are we able to jump straight into

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Speaker 2: the street ructural questions though?

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Speaker 3: Yeah?

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Speaker 2: Oh my gosh, all right, can you tell us a

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Speaker 2: little bit more about your money story.

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Speaker 3: Yeah.

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Speaker 4: So when I was left at seven and a half

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Speaker 4: months pregnant, like obviously, I was devastated, but I knew

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Speaker 4: one of the most important things for me and my

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Speaker 4: son was security. So I looked at my options and

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Speaker 4: actually it was my dad who lived in a remote

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Speaker 4: Aboriginal community, and he spent a just convincing me to come.

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Speaker 4: And he was like, just come, just give it a go, like,

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Speaker 4: you'll make good money here and it's a great lifestyle.

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Speaker 4: And after a few months he eventually said, look, just come.

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Speaker 4: If you don't like it, I will pay for you

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Speaker 4: to ship you back to wherever you want to go,

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Speaker 4: and so I was like, oh, well why not.

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Speaker 2: That feels a little less risky.

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Speaker 4: Yeah, and I ended up going there and I found

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Speaker 4: work straight away. They're desperate for workers in remote communities.

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Speaker 4: Found work straight away, and yeah, work in remote Aboriginal

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Speaker 4: communities comes with very soosidize accommodation. In my case, it's

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Speaker 4: actually free oh money, win, free power. The only thing

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Speaker 4: I had to pay for is like food and internet.

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Speaker 4: And ended up loving the lifestyle, very outdoor orientated, so

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Speaker 4: definitely like fishing, hiking, camping, those sorts of things. And

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Speaker 4: I ended up staying for three years and giving myself

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Speaker 4: a kickstart.

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Speaker 2: Oh my gosh, I love that, And I love that

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Speaker 2: your bambino got to experience that with you too. Did

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Speaker 2: he love it?

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Speaker 3: He did, so.

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Speaker 4: They did have a childcare center there as well, so

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Speaker 4: he made lots of little friends and yeah, it was

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Speaker 4: run by the local Aboriginal people and it was just

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Speaker 4: so different to what you sort of see in the cities.

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Speaker 2: Oh my gosh, I love that you mentioned in your

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Speaker 2: money story when riding in that your grandmother was the

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Speaker 2: one who taught you the value of money. Can you

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Speaker 2: tell me a little bit more about that.

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Speaker 4: Yeah, So even when I was working my first job,

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Speaker 4: when I was like eighteen years old, I would always say,

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Speaker 4: even if it's just twenty dollars or ten dollars a week,

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Speaker 4: because my grandmother would do that. She dealt mostly with cash,

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Speaker 4: but she'd have a little money box where she'd put

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Speaker 4: a little bit of a pension away all the time,

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Speaker 4: and she did enjoy having a little bit of fun

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Speaker 4: at the casino from time to time and going out

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Speaker 4: for meals, so being on the pension and she was

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Speaker 4: able to do that because she would just save that

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Speaker 4: little bit to go and enjoy her time doing what

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Speaker 4: she wanted to do, even if it's ten dollars, five dollars,

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Speaker 4: twenty bucks depending on the week of what bills she had.

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Speaker 2: From little things big things grow. And you mentioned that

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Speaker 2: that was kind of in stark contrast to your parents.

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Speaker 2: Why do you think that you were impacted more by

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Speaker 2: your grandmother instead of directly by your parents.

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Speaker 4: My parents did end up splitting up, and I just

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Speaker 4: remember my mother like always, she would still spend, spend, spend,

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Speaker 4: and I remember her always saying like, oh, like, I

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Speaker 4: don't have any money till next payday and things like that.

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Speaker 4: So as I grew older, it made me not want

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Speaker 4: to live that way, like have to live paycheck to

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Speaker 4: paycheck and have some anxiety around money. So I think

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Speaker 4: that's why I stemmed towards more what my grandmother was like.

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Speaker 2: I love that grandmothers are the best. All right, Next

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Speaker 2: question I've got for you is what do you do

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Speaker 2: for work and how much money do you now earn.

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Speaker 2: I'm an accountant, yes, finance brand yeah.

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Speaker 4: And I'm only at the very beginning of my career

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Speaker 4: so I only finished my degree end of last year.

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Speaker 4: I only take came about two thousand dollars a fortnight.

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Speaker 4: I do have a pay rise coming in January which

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Speaker 4: should take me to twenty one fifty per fortnite.

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Speaker 2: That's exciting And is this what you always wanted to

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Speaker 2: do or why did you pick that career?

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Speaker 3: Actually?

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Speaker 4: I originally, since I was young, I wanted to be

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Speaker 4: a financial advisor.

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Speaker 2: Great idea ten out of ten I can recommend them

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Speaker 2: as solid individuals.

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Speaker 4: I actually went to a career as counselor and worked

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Speaker 4: out my options there, and it seemed like the best

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Speaker 4: option was to get my accounting degree first and then

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Speaker 4: go do my grad diploma, which I'm looking into maybe

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Speaker 4: in the next year or two. But I do want

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Speaker 4: to have some accounting experience. I do enjoy accounting as well,

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Speaker 4: but I think my passion lies with well financial planning.

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Speaker 3: I'm always trying to give family advice.

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Speaker 2: I love that. I actually feel like that's such a

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Speaker 2: constructive step as well, because accounting is going to give

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Speaker 2: you that base understanding of budgets and proper cash flows

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Speaker 2: and how they work and balance each and all of that,

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Speaker 2: which is honestly one of those things that pays off

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Speaker 2: so much in financial planning because you can just look

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Speaker 2: at it and be like, all right, that makes so

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Speaker 2: much sense. So I think you are on the right

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Speaker 2: track and we'll make a great financial advisor. But with

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Speaker 2: all your accounting experience and all of this stuff that

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Speaker 2: you've learned from your grandmother, I want to know what's

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Speaker 2: your big money goal. What are we working towards.

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Speaker 4: At the moment, my biggest money go well is to

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Speaker 4: have fifty grand and my mortgage offset. I did make

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Speaker 4: the decision of not buying my home with twenty percent

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Speaker 4: twenty percent deposit. I ended up with a I think

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Speaker 4: it was about a thirteen percent deposit, and I did

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Speaker 4: jump on the family scheme.

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Speaker 2: Yeah, perfect.

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Speaker 4: I did weigh out my options with that, and it

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Speaker 4: was my value to provide security, especially in this current

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Speaker 4: rental market, for me and my son to buy a

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Speaker 4: house and do that. So now my next money goal

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Speaker 4: is to make sure I do have that twenty percent

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Speaker 4: equity plus emergency money. So I'm aiming for about fifty grand.

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Speaker 2: That is, honestly so inspirational. You are a young mum,

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Speaker 2: you were left on your own, and you're like, you

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Speaker 2: know what, I'm just going to do this. I'm going

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Speaker 2: to move to a remote community. I'm going to buy

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Speaker 2: my house. I'm going to get it done. Like I

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Speaker 2: just feel like, Oh, got so many questions for you

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Speaker 2: after the break. Next question I want to know is

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Speaker 2: do you have any investments? If what are they?

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Speaker 3: Yes?

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Speaker 2: I do, Actually, of course you do. What can't you do?

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Speaker 3: Yeah?

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Speaker 4: So I have about twelve grand in investments. My portfolio

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Speaker 4: includes index funds, blue chip companies, and a couple of

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Speaker 4: high risk penny stocks as well. I also do have

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Speaker 4: a little bit of crypto, but I only put a

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Speaker 4: small amount in. It hasn't worked out so far, but

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Speaker 4: it is what it is.

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Speaker 2: I feel like that was a bandwagon heaps of people

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Speaker 2: got on. You said that you had some index funds

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Speaker 2: and some blue chip stocks. How did you pick those?

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Speaker 2: Like what stood out about those assets that you were like,

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Speaker 2: you know what, that's what I'm going to start my

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Speaker 2: investment journey with.

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Speaker 4: So what started my investment journey was actually The Barefoot Investor. Yeah,

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Speaker 4: And there was one part of the book where it's

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Speaker 4: like find three grand and put it on AFIC and

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Speaker 4: I was like, oh, okay, and I just did it,

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Speaker 4: and then it didn't seem so scary, And I think

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Speaker 4: it was more just reading up a about like the company.

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Speaker 4: Like for the blue chips, just rereading up about the

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Speaker 4: company and deciding whether they're going to be pretty stable,

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Speaker 4: if they paid dividends. Those were the sort of things

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Speaker 4: I looked at and saying that when I did buy

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Speaker 4: the blue chip stocks, I was very early in doing

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Speaker 4: investing as well, So it's not something I've continued to grow,

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Speaker 4: mainly focused on index funds and a couple of my

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Speaker 4: high risk penny stocks as well.

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Speaker 2: I feel like high risk penny stocks obviously that's not

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Speaker 2: what's going to create the wealth, but obviously our listeners

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Speaker 2: can't see your face. You like smile when you say that.

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Speaker 2: Is that something you really enjoy?

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Speaker 3: Well?

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Speaker 4: I think because one of my penny stocks has done

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Speaker 4: really really well.

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Speaker 3: So I've only done three, all small amounts.

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Speaker 4: One of my penny stocks has done really really well,

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Speaker 4: but then the other two have done really really badly.

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Speaker 3: So it's just like, oh, am.

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Speaker 4: I willing to lose you know, five hundred bucks on

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Speaker 4: this because I believed in it and see if it

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Speaker 4: would get there. And it was just that decision like, yeah, okay,

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Speaker 4: I could list five hundred.

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Speaker 2: Bucks and have a crack. I feel like sometimes it's

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Speaker 2: okay to have fun in the investment world. We just

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Speaker 2: need to make sure that our core portfolio, which it

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Speaker 2: sounds like you're looking after, is safe and secure, because

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Speaker 2: that's what creates the financial freedom that you're currently working towards.

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Speaker 2: Next question I've got, and we know this is a

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Speaker 2: yes because you have a mortgage, But do you have

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Speaker 2: any debt? If so, what is it and how much?

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Speaker 3: Yeah?

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Speaker 4: So, my mortgage is sitting at about three hundred and

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Speaker 4: seventy thousand M and my hextet is sitting at about

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Speaker 4: forty eight thousand.

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Speaker 2: And no consumer or personal debt out there.

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Speaker 3: No.

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Speaker 4: I remember getting a credit card when I was younger,

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Speaker 4: and I remember purchasing one thing on it, paying it

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Speaker 4: off the next pay freaking out and closing it. So

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Speaker 4: I think I'm very anti debt, and I think I

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Speaker 4: think that stems from my grandmother as well.

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Speaker 2: That is not the worst thing to do with a

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Speaker 2: credit card in all, honest. Next question I've got for

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Speaker 2: you is do you currently shot back?

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Speaker 3: No, I don't.

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Speaker 4: That's something I need to get onto, but I just

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Speaker 4: keep forgetting about it, to be honest.

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Speaker 2: It's so easy. Well, when you're signing up, make sure

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Speaker 2: you use the discount code SotM or not discount code.

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Speaker 2: What is it like a bonus code? Do you get

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Speaker 2: ten bucks in your account to start? And if that's

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Speaker 2: not a money win, I don't know what is. But

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Speaker 2: speaking of money wins, I want to know what is

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Speaker 2: your best money habit.

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Speaker 4: Yeah, it's just probably going back to my saving Like

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Speaker 4: I always even if I'm really really stretched in a

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Speaker 4: certain week, I'll always make sure I'll put ten or

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Speaker 4: twenty dollars away into my savings. I guess also with

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Speaker 4: cooking and stuff, I try and like bulk things out,

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Speaker 4: like putting more veggies in and stuff to make it

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Speaker 4: bulky and last longer and a bit cheaper as well.

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Speaker 2: Yeah, that's fair.

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Speaker 4: I always go for like fruits and veggies in season,

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Speaker 4: always look out for sales stuff like that as well

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Speaker 4: to save some.

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Speaker 2: Money smart tips knowing that you have a little boy

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Speaker 2: to feed, and you know, I've got a few nephews,

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Speaker 2: use I feel like they can sometimes eat you out

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Speaker 2: of house and home. How do you manage the grocery

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Speaker 2: budget with a small growing human as well as trying

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Speaker 2: to you know, do the right thing when it comes

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Speaker 2: to budgeting for groceries.

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Speaker 4: Well, I guess yeah, just definitely going after the sales.

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Speaker 4: And my son definitely doesn't like his veggies very much.

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Speaker 4: So if I make like spaghetti bold naise, I'm bulking

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Speaker 4: it up with zucchini and carrot and all the.

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Speaker 2: Veggies trying to hide them in there.

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Speaker 4: Yeah, and because veggies is like cheaper than meat, it

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Speaker 4: makes the meal overall cheaper.

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Speaker 2: I think I feel like I've always done that anyway,

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Speaker 2: Like I don't even notice as an adult, like I

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Speaker 2: am a stickler for putting a zucchini and a carrot

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Speaker 2: in basically anything I cook I'm like, all right, we're

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Speaker 2: making a sturf. I graded up put it in. I

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Speaker 2: don't think it's even a budget thing at this point.

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Speaker 2: I think I just like tricking adult Victoria into eating

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Speaker 2: more greens. So its a ten out of ten idea

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Speaker 2: from my perspective. Turning the tables to the other side,

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Speaker 2: Know what is your worst money habit?

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Speaker 4: Look, it's probably a very common one, but definitely pretty

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Speaker 4: lazy about packing my lunch. So I tend to buy

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Speaker 4: my lunch a lot. I don't think going out and

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Speaker 4: buying your lunch is a waste if you're catching up

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Speaker 4: with a friend and socializing, but I think it's a

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Speaker 4: waste when you're eating by yourself anyway, and you're buying

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Speaker 4: lunch like you may as well packed it. So that's

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Speaker 4: definitely something I need to improve on.

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Speaker 2: Oh my gosh, I am quite literally the same. I

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Speaker 2: feel like I've been so under the pump at the

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Speaker 2: moment that by the time lunch time comes, I'm like, oh, yeah,

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Speaker 2: I was meant to do that. I don't even think

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Speaker 2: of it when I'm leaving the house anymore, and I'm

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Speaker 2: not only making probably unhealthy choices, but I'm making choices

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Speaker 2: that are just super convenient, and it's not even food

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Speaker 2: that I love. I'm just like, oh, I've got to

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Speaker 2: get some lunch. I will just pop out and grab

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Speaker 2: whatever's closest, and it's not even that good. I need

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Speaker 2: to get some really good take to work lunches in

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Speaker 2: my repertoire because I am slipping. If anyone has any

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Speaker 2: good work lunches, please slide into our DMS ten out

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Speaker 2: of ten can recommend.

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Speaker 3: All.

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Speaker 2: Right, last question before we go to a quick break,

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Speaker 2: I want to know what would you give your money

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Speaker 2: habits if we forced you to give yourself a grade.

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Speaker 4: I am pretty generous and will give myself an a minus.

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Speaker 2: Ooh, I love this.

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Speaker 4: I think because I'm just so proud of what I've

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Speaker 4: been able to achieve on my own and making good

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Speaker 4: money and saving decisions. The reason why it's a minus

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Speaker 4: and not a class is definitely about the lunches. And

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Speaker 4: I do spoil my son a little too much. He

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Speaker 4: should wait for his birthday of something for his little

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Speaker 4: gifts all the time. But I cay very easily if

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Speaker 4: I take him to the shops and he wants a

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Speaker 4: new little car or something.

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Speaker 2: Oh my gosh, no, it's all about balance. All right,

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Speaker 2: let's go to a really quick break, and after that,

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Speaker 2: I want to know more about your grammar. I want

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Speaker 2: to know what life is like now, and I want

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Speaker 2: to ask more about your little boy and how you

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Speaker 2: did it all on your own. Don't go anywhere, guys,

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Speaker 2: All right, money diarist, we are back, and I am

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Speaker 2: in awe of everything you've achieved thus far. Like, honestly,

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Speaker 2: I cannot believe that someone who was twenty three and

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Speaker 2: seven and a half months pregnant, who got broken up

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Speaker 2: with I'm assuming and left on her own, has managed

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Speaker 2: to achieve so much, Like so many people in our

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Speaker 2: community are still working towards buying their first homes, and

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Speaker 2: you've done it with all of this adversity. Tell me about, honestly,

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Speaker 2: what is it like being in that circumstance where you're like,

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Speaker 2: do you know what this is? Kind of fight or flight?

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Speaker 2: What am I going to do? I'm seven and a

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Speaker 2: half months pregnant.

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Speaker 4: So actually I was living in Melbourne at the time

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Speaker 4: and I didn't really have any family there or anything.

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Speaker 4: So the closest family that was around was my grandparents

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Speaker 4: and country New South Wales. So I finished that work

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Speaker 4: at like eight months pregnant, and I drove all away

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Speaker 4: over to my grandparents. So it was a really really

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Speaker 4: hard time. And then, yeah, I was over with my grandparents.

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Speaker 4: It was sort of like an old people's town, so

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Speaker 4: I didn't really want to stay, but I didn't really

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Speaker 4: know where to go or who can help me. And

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Speaker 4: that's when my dad convinced me to come join me.

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Speaker 2: Remote How did you make that decision? Obviously having a

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Speaker 2: three month old baby is really really hard at the

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Speaker 2: best of times. How you're like, you know what, I'm

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Speaker 2: going to pick my life up and go here, and

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Speaker 2: you know, I'm going to study. I just feel like

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Speaker 2: this is such a story of overcoming adversity because you know,

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Speaker 2: I can't imagine being in that circumstance, and you know,

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Speaker 2: having thought that maybe you had support and then all

359
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Speaker 2: of a sudden you didn't. How did you do this?

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Speaker 2: Like talk to me maybe more about the mental side

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Speaker 2: of it and going through that, because I feel like

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Speaker 2: so many people go through circumstances that aren't super similar,

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Speaker 2: but you just feel like, oh my gosh, everyone is

364
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Speaker 2: not on my tape here. How did you do that

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Speaker 2: with such a positive attitude. I'm genuinely so impressed.

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Speaker 4: I guess something that I think a lot of parents

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Speaker 4: face is that they feel like they have to do

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Speaker 4: everything alone. When my son was born, I realized that

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Speaker 4: his biological father wasn't going to be in the picture,

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Speaker 4: his choice.

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Speaker 3: He's still not in the picture.

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Speaker 4: Today, and I just knew I needed help and I

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Speaker 4: couldn't do it on my own, and I couldn't achieve

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Speaker 4: what I wanted to achieve without help. So I think

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Speaker 4: I've always been close to my dad. I was actually

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Speaker 4: raised by my dad after my parents split up, and

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Speaker 4: I knew that I would have help from him, and

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Speaker 4: so that's why I decided, Yep, okay, Dad, I'm going

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Speaker 4: to come to you.

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Speaker 3: And it was the best decision I.

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Speaker 4: Made in terms of my mental health year. It took

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Speaker 4: a long time to really work through it, and definitely,

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Speaker 4: if you're going through things like this, go see a

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Speaker 4: counselor or psychologist. Don't give up on the first one.

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Speaker 4: I know some other single parents have had to went

386
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Speaker 4: to one counselor it wasn't for them, and they just

387
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Speaker 4: didn't try to find another one. It took me four

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Speaker 4: goals to find the right one for me, and working

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Speaker 4: through that with a counselor and just focusing on my goals.

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Speaker 3: I guess.

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Speaker 4: I just knew in my head that if I achieved

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Speaker 4: what I wanted to achieve, like, it would just be

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Speaker 4: the best revenge, to be honest, like, not that that

394
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Speaker 4: was my main goal, Like I wanted to achieve, but

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Speaker 4: it's like, look what I've done without you.

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Speaker 2: I don't even need you. Yeah, I don't even need you.

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Speaker 2: Good luck. I'm better than that. Oh my gosh. I

398
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Speaker 2: love that. They always say success is the best revenge. Yeah,

399
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Speaker 2: and you definitely have proven that. What is it like

400
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Speaker 2: to study and have a baby and live in a

401
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Speaker 2: remote community. I feel like that just sounds like a lot.

402
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Speaker 4: Yeah, it was hard. It definitely took lot of commitment.

403
00:20:01,680 --> 00:20:05,920
Speaker 4: I did obviously had to study online, and I had

404
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Speaker 4: to make sure like every night when I put my

405
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Speaker 4: son to bed, I'd have to, you know, get back

406
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Speaker 4: up out of bed and study for a couple of

407
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Speaker 4: hours every night before I went to bed and get

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Speaker 4: up and go to work the next day. So that

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Speaker 4: seemed to have worked out well for me.

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Speaker 2: How did you do that? Honestly? If I was looking

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Speaker 2: after a baby and running life and working, how did

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Speaker 2: you find the motivation to get buck up out of

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Speaker 2: bed and do a few hours of study, because you

414
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Speaker 2: best bet I would not have been in that circumstance.

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Speaker 2: I would have stayed in that bed, I promise you.

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Speaker 3: I guess.

417
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Speaker 4: I was just so focused on my goal, like I

418
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Speaker 4: wanted a degree, I want a career. I want to

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Speaker 4: be able to financially provide for my son. I don't

420
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Speaker 4: want to have to ask for help money wise, I guess.

421
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Speaker 4: And I also so focused on getting my house deposit

422
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Speaker 4: as well to have a home for me and my son.

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Speaker 4: So it was just the ultimate motivator. And I think

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Speaker 4: once I got halfway through my degree, that's where I

425
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Speaker 4: was just like I could see the light out the

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Speaker 4: end of the tunnel, like just keep pushing through and

427
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Speaker 4: you're going to get there, And looking back, it was

428
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Speaker 4: just ills worth it.

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Speaker 2: You are a queen, talk to me about saving this

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Speaker 2: house deposit. I just feel like so many people in

431
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Speaker 2: our community will be listening to this, going how did

432
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Speaker 2: she think that she was going to afford a house?

433
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Speaker 2: Like how did you work all of that out? Because obviously, yes,

434
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Speaker 2: you were earning an income, but given the housing market

435
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Speaker 2: and how much properties are, was that not super overwhelming.

436
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Speaker 4: It was because I did buy last year when the

437
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Speaker 4: house prices were a bit up. I guess I was

438
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Speaker 4: very lucky. When I bought my house up where I live,

439
00:21:53,160 --> 00:21:57,920
Speaker 4: people tend to want to build, yes, So I decided, Nah,

440
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Speaker 4: I'm gonna buy existing. And there was this house, and

441
00:22:03,920 --> 00:22:05,960
Speaker 4: I ended up looking up what the value of the

442
00:22:06,000 --> 00:22:10,399
Speaker 4: house was about two years prior, which was during the

443
00:22:10,480 --> 00:22:14,920
Speaker 4: low period here, and looking up at what I was offering,

444
00:22:15,040 --> 00:22:18,120
Speaker 4: and I was only offering about I think it worked

445
00:22:18,119 --> 00:22:22,160
Speaker 4: out to be only eight percent more yeaph than the

446
00:22:22,200 --> 00:22:24,399
Speaker 4: price it was a couple of years back. So I

447
00:22:24,440 --> 00:22:28,280
Speaker 4: felt like, okay, like that is an increase, but I'm

448
00:22:28,320 --> 00:22:30,120
Speaker 4: willing to do that.

449
00:22:30,520 --> 00:22:30,720
Speaker 2: Yeah.

450
00:22:30,920 --> 00:22:33,240
Speaker 4: I think if I was offering like twenty percent thirty

451
00:22:33,240 --> 00:22:35,840
Speaker 4: percent after the previous couple years prices, I might have

452
00:22:35,920 --> 00:22:37,919
Speaker 4: been a bit more hesitant. So I think that's what

453
00:22:38,040 --> 00:22:39,600
Speaker 4: solidified my decision there.

454
00:22:39,720 --> 00:22:42,480
Speaker 2: And how did you save your home deposit? How much

455
00:22:42,520 --> 00:22:44,600
Speaker 2: did you have to save? And how long did that take?

456
00:22:44,920 --> 00:22:47,600
Speaker 4: Yeah, it took the whole three years. I was putting

457
00:22:47,640 --> 00:22:50,720
Speaker 4: about fifty percent of my pay away into a house

458
00:22:50,760 --> 00:22:55,520
Speaker 4: savings account as well as putting about twenty five percent

459
00:22:55,560 --> 00:22:58,840
Speaker 4: on my pay into my shares as well.

460
00:22:59,000 --> 00:23:01,000
Speaker 2: Oh my gosh, that's what built up.

461
00:23:00,960 --> 00:23:01,879
Speaker 3: My share propfolio.

462
00:23:01,920 --> 00:23:06,879
Speaker 4: But I haven't been really adding as much since getting

463
00:23:06,880 --> 00:23:07,560
Speaker 4: the mortgage.

464
00:23:07,640 --> 00:23:10,159
Speaker 2: I was going to say, how's the mortgage treating you?

465
00:23:10,400 --> 00:23:12,480
Speaker 2: What does that look like now when it comes to

466
00:23:12,560 --> 00:23:13,120
Speaker 2: cash flow?

467
00:23:13,400 --> 00:23:16,080
Speaker 4: Yeah, because I was living remote and there was like

468
00:23:16,240 --> 00:23:18,840
Speaker 4: no bills, and then I moved here and I was like,

469
00:23:18,960 --> 00:23:21,560
Speaker 4: oh my god, I have to pay a mortgage and

470
00:23:21,680 --> 00:23:23,040
Speaker 4: I have to pay power.

471
00:23:23,000 --> 00:23:26,080
Speaker 2: And the water and the electricity and everything else that

472
00:23:26,200 --> 00:23:27,040
Speaker 2: comes along with that.

473
00:23:27,400 --> 00:23:33,720
Speaker 4: Yeah, And it was definitely an adjustment, a huge adjustment

474
00:23:33,840 --> 00:23:37,159
Speaker 4: because even though I was saving quite a lot on

475
00:23:37,160 --> 00:23:39,240
Speaker 4: my pay, even with the pay I had left over,

476
00:23:39,840 --> 00:23:43,720
Speaker 4: I still had plenty of I guess fun money to

477
00:23:44,280 --> 00:23:46,760
Speaker 4: play with. Like so if I went on a holiday,

478
00:23:46,800 --> 00:23:51,480
Speaker 4: I didn't really budget because I didn't really need to.

479
00:23:51,520 --> 00:23:54,119
Speaker 4: I could do whatever and seem to afford it. And

480
00:23:54,160 --> 00:23:57,320
Speaker 4: now it's just like, oh, I have to budget everything

481
00:23:57,400 --> 00:23:59,760
Speaker 4: to make sure my money stretches and still be out

482
00:23:59,800 --> 00:24:01,520
Speaker 4: of and invest a little bit.

483
00:24:01,800 --> 00:24:05,000
Speaker 2: It sounds like the remove to the remote community where

484
00:24:05,200 --> 00:24:08,960
Speaker 2: you know you had subsidized housing and bills actually ended

485
00:24:09,040 --> 00:24:12,679
Speaker 2: up really turbocharging your ability to create financial freedom. In

486
00:24:12,720 --> 00:24:15,600
Speaker 2: the future, would you say that that's maybe a very

487
00:24:15,600 --> 00:24:16,840
Speaker 2: good decision that you made.

488
00:24:17,280 --> 00:24:21,280
Speaker 4: Definitely, definitely, And I know the desperate for workers out there,

489
00:24:21,359 --> 00:24:23,199
Speaker 4: So that's sort of why I wanted to share my

490
00:24:23,320 --> 00:24:27,159
Speaker 4: story and maybe it might be an option some people

491
00:24:27,240 --> 00:24:30,240
Speaker 4: might consider, so not only give back to a community

492
00:24:30,280 --> 00:24:37,480
Speaker 4: that's amazing and incredible, but also help kickstart their savings

493
00:24:37,480 --> 00:24:39,720
Speaker 4: and their goals and investments as well.

494
00:24:39,840 --> 00:24:42,720
Speaker 2: I love that it's such a different way of achieving

495
00:24:42,800 --> 00:24:45,879
Speaker 2: something that we're all looking for. I wouldn't know that

496
00:24:45,920 --> 00:24:48,240
Speaker 2: what kind of work were you doing while living in

497
00:24:48,280 --> 00:24:50,439
Speaker 2: this remote community, because I think that a lot of

498
00:24:50,520 --> 00:24:53,159
Speaker 2: us here things like, oh my gosh, they need so

499
00:24:53,320 --> 00:24:55,800
Speaker 2: many workers, and you're just like, well, what does that mean?

500
00:24:55,880 --> 00:24:57,359
Speaker 2: So can you give us a little bit more of

501
00:24:57,400 --> 00:24:59,240
Speaker 2: an insight, like what kind of work can we get?

502
00:24:59,600 --> 00:25:04,080
Speaker 4: Yes, I actually was doing like the accounts payable receivable

503
00:25:04,200 --> 00:25:07,280
Speaker 4: like Grant's work for a non for profit organization, Aboriginal

504
00:25:07,359 --> 00:25:10,439
Speaker 4: led organization, So that's what I was doing there, but

505
00:25:11,400 --> 00:25:17,320
Speaker 4: anything to like nursing, policing, rangers, administration, just general like

506
00:25:17,359 --> 00:25:20,480
Speaker 4: community service. They did have financial counselors out there too,

507
00:25:20,720 --> 00:25:23,440
Speaker 4: to help the Aboriginal people manage their money as well,

508
00:25:23,920 --> 00:25:27,040
Speaker 4: and they have like a small bank there, they have

509
00:25:27,200 --> 00:25:31,399
Speaker 4: post office, they have retail, they have shops, management positions

510
00:25:31,440 --> 00:25:34,480
Speaker 4: like they do have I guess on a smaller scale

511
00:25:34,480 --> 00:25:35,720
Speaker 4: what you'd have in a city.

512
00:25:35,520 --> 00:25:38,880
Speaker 2: So basically everything. Yeah, I love it and it's such

513
00:25:38,880 --> 00:25:42,320
Speaker 2: a beautiful way of giving back. Last question before we go,

514
00:25:42,560 --> 00:25:44,680
Speaker 2: I want to know what does life look like today

515
00:25:44,720 --> 00:25:48,400
Speaker 2: for you? What's your situation, how's your son doing? And

516
00:25:48,720 --> 00:25:50,879
Speaker 2: what would you say to people who were in the

517
00:25:50,920 --> 00:25:53,440
Speaker 2: circumstance you were in when you were twenty three?

518
00:25:53,600 --> 00:25:57,960
Speaker 4: Well today I do have a partner now and currently

519
00:25:58,000 --> 00:26:01,840
Speaker 4: pregnant with my congratulations.

520
00:26:02,240 --> 00:26:03,480
Speaker 2: That's so exciting.

521
00:26:03,840 --> 00:26:04,600
Speaker 3: Yeah.

522
00:26:04,640 --> 00:26:09,439
Speaker 4: So I know when I was firstly single, I thought, oh,

523
00:26:09,440 --> 00:26:11,840
Speaker 4: like I'm going to be alone forever, and I was

524
00:26:11,840 --> 00:26:16,520
Speaker 4: really sad for my son that unfortunately his father didn't

525
00:26:16,520 --> 00:26:18,919
Speaker 4: want to be in the picture for whatever reason. But

526
00:26:19,440 --> 00:26:22,560
Speaker 4: you know, one day you might meet someone that will

527
00:26:22,600 --> 00:26:25,399
Speaker 4: love your child as their own and he really does,

528
00:26:26,080 --> 00:26:29,359
Speaker 4: so ask for help. Don't be afraid to ask for help.

529
00:26:30,440 --> 00:26:34,800
Speaker 4: Your family knows how to raise babies. Just don't be

530
00:26:34,840 --> 00:26:38,679
Speaker 4: too proud, like you know, tell your family or friends

531
00:26:38,680 --> 00:26:40,199
Speaker 4: that you know, these are the things you want to

532
00:26:40,200 --> 00:26:42,679
Speaker 4: achieve and you can't do it without a bit of

533
00:26:42,720 --> 00:26:44,040
Speaker 4: help and ask for it.

534
00:26:44,520 --> 00:26:48,199
Speaker 2: Oh my gosh, Money Diarrist, I am so flipping proud

535
00:26:48,240 --> 00:26:50,840
Speaker 2: of you. I feel like you have achieved so much,

536
00:26:51,080 --> 00:26:53,240
Speaker 2: and I know that this story is going to be

537
00:26:53,320 --> 00:26:55,639
Speaker 2: such a special one to share because not only is

538
00:26:55,680 --> 00:26:58,440
Speaker 2: it inspirational, but I feel like there's been so many

539
00:26:58,600 --> 00:27:01,359
Speaker 2: helpful tips and tricks ideas that a lot of people

540
00:27:01,400 --> 00:27:03,880
Speaker 2: in our community might not have thought of. So thank

541
00:27:03,920 --> 00:27:05,760
Speaker 2: you for joining us today.

542
00:27:05,800 --> 00:27:07,000
Speaker 3: Thank you for having me.

543
00:27:07,359 --> 00:27:10,800
Speaker 2: Well, unfortunately that is all we have time for today.

544
00:27:10,840 --> 00:27:13,680
Speaker 2: We will see you guys for another episode of Money

545
00:27:13,760 --> 00:27:21,399
Speaker 2: Diaries next week. The advice shared on She's on the

546
00:27:21,440 --> 00:27:24,200
Speaker 2: Money is general in nature and does not consider your

547
00:27:24,200 --> 00:27:28,679
Speaker 2: individual circumstances. She's on the Money exists purely for educational

548
00:27:28,680 --> 00:27:31,159
Speaker 2: purposes and should not be relied upon to make an

549
00:27:31,160 --> 00:27:34,440
Speaker 2: investment or financial decision. If you do choose to buy

550
00:27:34,480 --> 00:27:38,200
Speaker 2: a financial product, read the PDS TMD and obtain appropriate

551
00:27:38,240 --> 00:27:42,480
Speaker 2: financial advice tailored towards your needs. Victoria Divine and She's

552
00:27:42,520 --> 00:27:46,240
Speaker 2: on the Money are authorized representatives of Money sheirper Pty

553
00:27:46,480 --> 00:27:50,200
Speaker 2: Ltd ABN three two one six four nine two seven

554
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Speaker 2: seven zero eight, AFSL four five one two eight nine