1 00:00:00,640 --> 00:00:04,880 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,920 --> 00:00:08,639 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:18,079 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 00:00:22,280 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:32,599 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:34,080 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:39,000 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,720 --> 00:01:00,800 Speaker 4: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,800 --> 00:01:04,200 Speaker 4: for millennials who want financial freedom. Welcome back to another 14 00:01:04,240 --> 00:01:06,720 Speaker 4: Shop Back Money Diary Monday, where we chat to one 15 00:01:06,720 --> 00:01:09,480 Speaker 4: of our Gorge community members. We learn about them, their life, 16 00:01:09,520 --> 00:01:11,679 Speaker 4: their story, their money and all of the fun bits 17 00:01:11,680 --> 00:01:15,000 Speaker 4: in between. Today I've got to your King on the Mine. 18 00:01:15,120 --> 00:01:18,160 Speaker 2: Hello, how are you goney? I am so excited to 19 00:01:18,200 --> 00:01:18,600 Speaker 2: be here. 20 00:01:18,760 --> 00:01:20,280 Speaker 4: I know you never get to do the Mondays and 21 00:01:20,280 --> 00:01:21,480 Speaker 4: they're really good funny. 22 00:01:21,640 --> 00:01:22,880 Speaker 3: I can't wait to see what it's all about. 23 00:01:23,160 --> 00:01:25,520 Speaker 4: Well, let me tell you we have as always an 24 00:01:25,520 --> 00:01:29,000 Speaker 4: excellent diarist, And she said, I'm twenty eight years old 25 00:01:29,040 --> 00:01:31,840 Speaker 4: with four children to a joint kinship care with my 26 00:01:31,959 --> 00:01:34,200 Speaker 4: mum and two of my own. My father moved to 27 00:01:34,200 --> 00:01:36,720 Speaker 4: Australia from New Zealand thirty five years ago, came for 28 00:01:36,760 --> 00:01:38,720 Speaker 4: a holiday and met my mum. I grew up with 29 00:01:38,760 --> 00:01:41,520 Speaker 4: two minimum wage parents who worked multiple jobs to send 30 00:01:41,520 --> 00:01:44,000 Speaker 4: my brother and I to our local private schools in Sydney. 31 00:01:44,280 --> 00:01:45,880 Speaker 4: I have worked since I was fourteen and had a 32 00:01:45,959 --> 00:01:48,240 Speaker 4: variety of jobs in that time, from your standard first 33 00:01:48,320 --> 00:01:51,040 Speaker 4: job and climbing the ranks there, to a career shift 34 00:01:51,080 --> 00:01:54,000 Speaker 4: from time to time to now finishing my university degree 35 00:01:54,040 --> 00:01:57,800 Speaker 4: and studying to become an International Board certified lactation consultant. 36 00:01:58,200 --> 00:02:00,280 Speaker 4: I have a home in Sydney which has doubled you 37 00:02:00,360 --> 00:02:02,960 Speaker 4: in eighteen months, a share portfolio, and of course my 38 00:02:03,040 --> 00:02:05,480 Speaker 4: super just a regular mum doing my best for her 39 00:02:05,560 --> 00:02:06,400 Speaker 4: kids and her family. 40 00:02:06,640 --> 00:02:07,480 Speaker 2: What a story. 41 00:02:07,560 --> 00:02:09,320 Speaker 4: Oh gosh, I can't wait to hear more. I know 42 00:02:09,360 --> 00:02:11,680 Speaker 4: we've got our diarists here. Hello, how you going? 43 00:02:11,919 --> 00:02:12,280 Speaker 5: Hello? 44 00:02:12,400 --> 00:02:15,480 Speaker 4: Everyone, I'm very excited to chat to you because it 45 00:02:15,520 --> 00:02:17,760 Speaker 4: sounds like you've worked your way up and done some 46 00:02:17,840 --> 00:02:20,760 Speaker 4: incredible things in your time. But first let's start with 47 00:02:20,800 --> 00:02:23,760 Speaker 4: our structured questions. Shall we money direst, can you tell 48 00:02:23,800 --> 00:02:25,480 Speaker 4: me what's your attitude towards money? 49 00:02:25,720 --> 00:02:29,120 Speaker 5: Well, money actually still at this point scares me. I 50 00:02:29,400 --> 00:02:32,520 Speaker 5: don't like dealing with money. I find it stressful and 51 00:02:32,720 --> 00:02:35,720 Speaker 5: having to organize that is just not something that I like. 52 00:02:35,919 --> 00:02:40,720 Speaker 5: I may like spreadsheets, but actually organizing everything isn't fun. 53 00:02:41,120 --> 00:02:43,960 Speaker 5: But I think it also comes back from being an 54 00:02:44,040 --> 00:02:46,520 Speaker 5: environment like I went to a private school from in 55 00:02:46,639 --> 00:02:50,600 Speaker 5: high school and having everyone have money literally falling out 56 00:02:50,639 --> 00:02:54,480 Speaker 5: of their pockets. Their school holidays looks like a trip 57 00:02:54,520 --> 00:02:58,160 Speaker 5: in Europe or something like that, whereas mine looks like 58 00:02:58,440 --> 00:03:01,280 Speaker 5: working forty hours a week just so I could upkeep 59 00:03:01,320 --> 00:03:04,680 Speaker 5: the social agendas throughout the term. So I think that's 60 00:03:04,680 --> 00:03:07,280 Speaker 5: where it started from. So I started up really really 61 00:03:07,360 --> 00:03:10,480 Speaker 5: high and my expectations that's what I had to live like. 62 00:03:11,120 --> 00:03:14,120 Speaker 5: So then over the time, now it's definitely a lot different. 63 00:03:14,160 --> 00:03:16,799 Speaker 5: I'm far from that sort of lifestyle, but that's where 64 00:03:16,840 --> 00:03:19,959 Speaker 5: it started, and that's where I think all my scaring 65 00:03:20,240 --> 00:03:21,360 Speaker 5: and all of that came from. 66 00:03:21,960 --> 00:03:23,800 Speaker 4: Yeah, that makes a lot of sense. What do you 67 00:03:23,800 --> 00:03:25,440 Speaker 4: do for work and how much money do you in? 68 00:03:25,800 --> 00:03:29,680 Speaker 5: So I'm an RTO trainer and assessor, So I take 69 00:03:29,720 --> 00:03:34,280 Speaker 5: home fifty seven thousand annually plus I get a fifteen 70 00:03:34,320 --> 00:03:38,440 Speaker 5: thousand dollars car allowance plus super and then they cover 71 00:03:38,600 --> 00:03:41,800 Speaker 5: like my expenses, so like if I have to travel 72 00:03:41,840 --> 00:03:45,440 Speaker 5: to go to a location, accommodation and food, if I 73 00:03:45,440 --> 00:03:47,440 Speaker 5: have to fly somewhere, all of that's covered as well. 74 00:03:47,840 --> 00:03:48,720 Speaker 2: Yeah, that's really good. 75 00:03:48,760 --> 00:03:50,960 Speaker 4: Awesome that you get super on top of your base 76 00:03:51,000 --> 00:03:52,160 Speaker 4: with something like that as well. 77 00:03:52,360 --> 00:03:55,560 Speaker 3: Can I jump in and ask what an RTO assessor does? 78 00:03:55,880 --> 00:03:59,600 Speaker 5: Yeah? So an RTO is a registered training organization, so 79 00:03:59,680 --> 00:04:02,480 Speaker 5: it's it's like your TAFE teacher, but in like a 80 00:04:02,480 --> 00:04:06,680 Speaker 5: business perspective. Am So lots of organizations have them, So 81 00:04:06,840 --> 00:04:08,600 Speaker 5: depending on what they have, they could just be doing 82 00:04:08,680 --> 00:04:12,960 Speaker 5: a certificate two, stificate three, four diplomas and that's what 83 00:04:13,000 --> 00:04:16,479 Speaker 5: we assess and train that process generally in like a 84 00:04:16,480 --> 00:04:18,800 Speaker 5: business perspective. So like I work for a company and 85 00:04:18,839 --> 00:04:20,640 Speaker 5: I'm a trainer for them individually. 86 00:04:21,360 --> 00:04:21,640 Speaker 2: Cool. 87 00:04:21,680 --> 00:04:24,159 Speaker 4: It's kind of like adult exams, like you're you're learning 88 00:04:24,240 --> 00:04:26,400 Speaker 4: to deliver this thing and you're the exam deliverer walking 89 00:04:26,480 --> 00:04:28,479 Speaker 4: up and down the room being like, are you doing 90 00:04:28,520 --> 00:04:31,440 Speaker 4: the right thing scary people like you. 91 00:04:31,560 --> 00:04:34,560 Speaker 5: Yeah, I don't do it like that. It's very different. 92 00:04:34,560 --> 00:04:36,400 Speaker 5: But I do like from fourteen year olds because I 93 00:04:36,400 --> 00:04:38,320 Speaker 5: have people that start at the age of fourteen, So 94 00:04:38,440 --> 00:04:41,040 Speaker 5: I have younger people and I have older people as well. 95 00:04:41,440 --> 00:04:42,440 Speaker 2: That's so cool. 96 00:04:42,800 --> 00:04:45,800 Speaker 4: You said before that you're saving up and working your 97 00:04:45,800 --> 00:04:48,000 Speaker 4: way up. What is your big money goal at the moment. 98 00:04:48,160 --> 00:04:50,760 Speaker 5: My big money goal at the moment is probably not 99 00:04:50,839 --> 00:04:53,800 Speaker 5: like some sort of savings goal like most people's, is 100 00:04:53,800 --> 00:04:57,240 Speaker 5: is that we would like to renovate our home. So 101 00:04:57,400 --> 00:05:00,480 Speaker 5: when we purchased our home eighteen months ago, it was 102 00:05:00,600 --> 00:05:04,120 Speaker 5: a four bedroom kind of project home built twenty years ago, 103 00:05:04,720 --> 00:05:07,560 Speaker 5: so it's enough to meet our needs. But obviously, going 104 00:05:07,600 --> 00:05:10,000 Speaker 5: through lockdown and everything, you kind of want to work 105 00:05:10,040 --> 00:05:11,960 Speaker 5: out that you want to have more in your home 106 00:05:12,040 --> 00:05:14,560 Speaker 5: so you can have activities and enjoy all the moments 107 00:05:14,600 --> 00:05:16,599 Speaker 5: that you can. So we just want to put a 108 00:05:16,600 --> 00:05:19,080 Speaker 5: pool in and just do some other little things to 109 00:05:19,120 --> 00:05:21,360 Speaker 5: our home just to make it more user friendly for 110 00:05:21,440 --> 00:05:23,880 Speaker 5: our boys and be able to spend more time with them. 111 00:05:24,160 --> 00:05:27,479 Speaker 4: Home renovating is so expensive as well. Victoria's going through 112 00:05:27,480 --> 00:05:30,480 Speaker 4: the process now and it blows my tiny little mind. 113 00:05:30,600 --> 00:05:34,440 Speaker 4: How expensive something like flooring, which you know all like 114 00:05:34,440 --> 00:05:35,000 Speaker 4: I walk on it? 115 00:05:35,000 --> 00:05:38,080 Speaker 2: How much could it possibly cost? It turns out very expensive? 116 00:05:38,360 --> 00:05:41,919 Speaker 4: Yeah, wild Now you did tell us you have a 117 00:05:41,960 --> 00:05:44,000 Speaker 4: share portfolio. Can you tell us a little bit more 118 00:05:44,040 --> 00:05:46,080 Speaker 4: about that and your investments? 119 00:05:46,440 --> 00:05:48,720 Speaker 5: So in the investments, I'm going to claim that it's 120 00:05:48,760 --> 00:05:51,680 Speaker 5: my share portfolio because it's mine and my partners, but 121 00:05:51,800 --> 00:05:55,320 Speaker 5: he organizes that. So I was actually brought up in 122 00:05:55,360 --> 00:05:58,840 Speaker 5: a family lifestyle that shares. We're not a good thing, like, 123 00:05:58,920 --> 00:06:01,720 Speaker 5: don't touch them, you're all your money lifestyle. 124 00:06:01,800 --> 00:06:03,279 Speaker 2: Oh yes, we've had that before. 125 00:06:03,400 --> 00:06:03,479 Speaker 1: Ye. 126 00:06:03,920 --> 00:06:08,240 Speaker 5: Whereas my partner, his grandfather was a very big share investor. 127 00:06:08,360 --> 00:06:10,640 Speaker 5: He did very well with it. He worked up high 128 00:06:10,720 --> 00:06:13,000 Speaker 5: and he retired at the age of forty because of it. 129 00:06:13,640 --> 00:06:17,440 Speaker 5: So he started his share portfolio about five years ago. 130 00:06:17,560 --> 00:06:20,040 Speaker 5: And I think we started with about ten thousand dollars, 131 00:06:20,120 --> 00:06:23,120 Speaker 5: like increased it up and then now I think we're 132 00:06:23,160 --> 00:06:25,080 Speaker 5: about out fifty thousand dollars. 133 00:06:25,360 --> 00:06:26,320 Speaker 2: My gosh, incredible. 134 00:06:27,080 --> 00:06:29,240 Speaker 4: And you have your super as well on top of that, 135 00:06:29,279 --> 00:06:32,120 Speaker 4: you said as well, which is awesome. Now, do you 136 00:06:32,120 --> 00:06:33,960 Speaker 4: have any debts to kind of flip it on its head? 137 00:06:34,360 --> 00:06:39,039 Speaker 5: Yeah, So we obviously we have our mortgage and then 138 00:06:39,160 --> 00:06:41,800 Speaker 5: that's about eight hundred thousand at the moment because we 139 00:06:41,960 --> 00:06:45,840 Speaker 5: just refinanced be able to do some renovations yep. And 140 00:06:45,920 --> 00:06:50,200 Speaker 5: then I also have a novated lease for my car 141 00:06:50,360 --> 00:06:53,680 Speaker 5: for work because I drive over fifteen hundred to two 142 00:06:53,720 --> 00:06:57,520 Speaker 5: thousand kilometers a week. Wow, so just needed a car 143 00:06:57,680 --> 00:06:58,640 Speaker 5: without purposes. 144 00:06:59,000 --> 00:07:01,680 Speaker 4: And I also have a heck step And how much 145 00:07:01,720 --> 00:07:03,040 Speaker 4: is your heckstep sitting at currently? 146 00:07:03,200 --> 00:07:05,560 Speaker 5: I probably should have checked. I think it's about thirty grand. 147 00:07:05,839 --> 00:07:10,560 Speaker 4: Yeah, no, that's right closees Now Money Diarists Mondays are 148 00:07:10,560 --> 00:07:12,600 Speaker 4: brought to you by our friends at Shopback. 149 00:07:12,720 --> 00:07:14,160 Speaker 2: Do you use the shop back platform? 150 00:07:14,320 --> 00:07:14,880 Speaker 5: I sure do. 151 00:07:15,280 --> 00:07:16,840 Speaker 4: We love to see it. Do you have any fun 152 00:07:16,840 --> 00:07:18,840 Speaker 4: little hack or tidbits for it. We've had a few 153 00:07:18,840 --> 00:07:21,440 Speaker 4: people over the last few weeks sharing things and I'd 154 00:07:21,440 --> 00:07:23,160 Speaker 4: be like, I didn't know you could do that. So 155 00:07:23,280 --> 00:07:24,440 Speaker 4: where do you love to use it? 156 00:07:24,520 --> 00:07:27,720 Speaker 5: Pretty much? Just anything I purchase, I just double check 157 00:07:27,800 --> 00:07:30,560 Speaker 5: shop back first, So like if I'm in store, which 158 00:07:30,600 --> 00:07:32,920 Speaker 5: is hard, I like to buy things in store obviously 159 00:07:33,000 --> 00:07:35,960 Speaker 5: to get those endorphins when I buy something. Yes, However, 160 00:07:36,120 --> 00:07:38,040 Speaker 5: if I do see it online and I can get 161 00:07:38,080 --> 00:07:40,560 Speaker 5: like ten percent cash back plus this and this, and 162 00:07:40,600 --> 00:07:43,400 Speaker 5: I'm like, okay, I'll try it all on and then 163 00:07:43,520 --> 00:07:45,480 Speaker 5: I'll go and buy it, like sometimes I buy it 164 00:07:45,520 --> 00:07:46,280 Speaker 5: online in store. 165 00:07:46,560 --> 00:07:49,520 Speaker 2: Oh how did you do that? No shame, I'm just like, oh, 166 00:07:49,520 --> 00:07:50,120 Speaker 2: what do I need? 167 00:07:50,160 --> 00:07:52,040 Speaker 5: Just so I don't forget. If not, I won't do it, 168 00:07:52,120 --> 00:07:54,600 Speaker 5: Like if I'm doing a little bit of me time 169 00:07:54,680 --> 00:07:56,320 Speaker 5: with kids, it's like, if I don't do it now, 170 00:07:56,360 --> 00:07:59,560 Speaker 5: it's not going to be ordered. And then with holidays, 171 00:07:59,560 --> 00:08:03,240 Speaker 5: that's probably my biggest thing that I've taken advantage of. 172 00:08:03,360 --> 00:08:06,000 Speaker 5: I think it was not a holiday that I planned. 173 00:08:06,000 --> 00:08:09,680 Speaker 5: It was a family's wedding. I booked Accommodation and I 174 00:08:09,840 --> 00:08:12,080 Speaker 5: was just waiting for a sale before I kind of 175 00:08:12,120 --> 00:08:15,080 Speaker 5: booked it on shot back or anything. And then they 176 00:08:15,120 --> 00:08:17,320 Speaker 5: emailed me one night and they're like, oh, thirty percent 177 00:08:17,400 --> 00:08:18,000 Speaker 5: shot back. 178 00:08:18,360 --> 00:08:18,680 Speaker 2: Huge. 179 00:08:19,080 --> 00:08:21,280 Speaker 5: Yes, So I think I got about four hundred and 180 00:08:21,280 --> 00:08:23,760 Speaker 5: fifty dollars back from Accommodation. How good is that? 181 00:08:23,960 --> 00:08:25,360 Speaker 2: Is incredible? 182 00:08:25,520 --> 00:08:28,320 Speaker 4: That is so good and leads really nicely into my 183 00:08:28,360 --> 00:08:31,280 Speaker 4: next question, which is what is your best money habit. 184 00:08:31,920 --> 00:08:34,839 Speaker 5: I'm definitely a person that won't buy anything unless it's 185 00:08:34,840 --> 00:08:38,960 Speaker 5: on sale, So I will bog buy. So I purchase 186 00:08:39,000 --> 00:08:42,200 Speaker 5: a particular laundry powder. If it's half priced, I'll buy fifteen. 187 00:08:42,880 --> 00:08:46,400 Speaker 5: If you know, I drink almond milk, so when the 188 00:08:46,400 --> 00:08:49,760 Speaker 5: almond milk goes on sale, alba fifty. So I just 189 00:08:49,920 --> 00:08:52,360 Speaker 5: buy everything. So that's really it's hard to budget when 190 00:08:52,400 --> 00:08:54,600 Speaker 5: I do things like that because I'm buying for such 191 00:08:54,600 --> 00:08:57,000 Speaker 5: a long period of time. But I know out of 192 00:08:57,040 --> 00:08:59,520 Speaker 5: the long run, I'm saving myself so much more money. 193 00:08:59,600 --> 00:09:01,840 Speaker 5: So that's probably my best money habit that I won't 194 00:09:01,840 --> 00:09:03,680 Speaker 5: buy anything unless it's on sale. 195 00:09:04,600 --> 00:09:07,120 Speaker 4: Do you have when you're buying such big quanities like that? 196 00:09:07,240 --> 00:09:10,160 Speaker 4: It makes me think of have you ever seen Extreme Couponing? 197 00:09:10,520 --> 00:09:13,520 Speaker 4: The video steted it's an American TV show because couponing 198 00:09:13,559 --> 00:09:14,240 Speaker 4: isn't really a thing here. 199 00:09:14,280 --> 00:09:15,600 Speaker 2: I wish it was. I'd be all over it. 200 00:09:15,640 --> 00:09:18,160 Speaker 4: But they have like these things that they call stock piles, 201 00:09:18,200 --> 00:09:21,400 Speaker 4: and they have rooms where it's almost like a little 202 00:09:21,480 --> 00:09:23,480 Speaker 4: mini shop in their house with all of their stuff 203 00:09:23,480 --> 00:09:24,640 Speaker 4: that they've gotten on sale. 204 00:09:24,679 --> 00:09:25,520 Speaker 2: Do you have one of those? 205 00:09:25,720 --> 00:09:29,640 Speaker 5: Yeah? I do. I go so in our garage, so 206 00:09:29,679 --> 00:09:32,120 Speaker 5: I have like a walking pantry that we converted when 207 00:09:32,160 --> 00:09:35,200 Speaker 5: we've got our home and then in our garage. Obviously, 208 00:09:35,280 --> 00:09:37,640 Speaker 5: my cars don't fit in my garage, which was a 209 00:09:37,640 --> 00:09:40,760 Speaker 5: bit sad because I wanted one. But I have like 210 00:09:40,840 --> 00:09:43,360 Speaker 5: two free standing pant trees out there, and I also 211 00:09:43,480 --> 00:09:46,640 Speaker 5: have like the bunnings like racket shells with everything there. 212 00:09:46,679 --> 00:09:50,640 Speaker 5: So I have from nappies to a whole shell for milk, bolg, 213 00:09:50,840 --> 00:09:52,880 Speaker 5: rice pasta. Everything's there. 214 00:09:53,400 --> 00:09:55,760 Speaker 2: If the apocalypse comes, I'm hanging out at your house. 215 00:09:56,360 --> 00:09:59,760 Speaker 2: I love that. Incredible What is on? 216 00:10:00,000 --> 00:10:01,760 Speaker 4: I guess the other end of the spectrum, what would 217 00:10:01,760 --> 00:10:03,560 Speaker 4: you say is your worst money habit? 218 00:10:03,920 --> 00:10:07,760 Speaker 5: Sometimes if I haven't bought anything or spent something on myself, 219 00:10:07,800 --> 00:10:10,360 Speaker 5: I'm very bad at buying things for me. I'll buy 220 00:10:10,400 --> 00:10:12,360 Speaker 5: things to my kids all the time, But then if 221 00:10:12,400 --> 00:10:15,720 Speaker 5: I do buy something for me, that whole concept of 222 00:10:15,960 --> 00:10:18,600 Speaker 5: being good and making sure it's on sale goes through 223 00:10:18,600 --> 00:10:19,720 Speaker 5: the roof. Yeah. 224 00:10:19,840 --> 00:10:22,640 Speaker 4: Sometimes though, I feel like if you're not looking after yourself, 225 00:10:22,679 --> 00:10:24,800 Speaker 4: you deserve a treat as well. Every once in a while, 226 00:10:24,880 --> 00:10:27,440 Speaker 4: I think mums put so many other people before themselves, 227 00:10:27,720 --> 00:10:30,000 Speaker 4: and it's like, if you're gonna look after yourself, you 228 00:10:30,080 --> 00:10:32,160 Speaker 4: might as well do it well every once in a while, Right. 229 00:10:32,080 --> 00:10:34,360 Speaker 5: Yeah, it would work if I didn't feel guilty about 230 00:10:34,400 --> 00:10:37,079 Speaker 5: the purchase afterwards. So that's why if I do it, 231 00:10:37,160 --> 00:10:39,120 Speaker 5: I just need to do it and make sure I 232 00:10:39,120 --> 00:10:40,960 Speaker 5: feel good about it and then I don't feel like 233 00:10:41,040 --> 00:10:43,800 Speaker 5: I'm not justifying it every day. 234 00:10:43,920 --> 00:10:46,040 Speaker 3: Well, the cheese of the money team gives you permission 235 00:10:46,120 --> 00:10:47,480 Speaker 3: to not feel that guilt, girl, so. 236 00:10:47,360 --> 00:10:51,079 Speaker 2: Hopefully that helps. Thank you, Thank you all Rightie and Lucky. 237 00:10:51,240 --> 00:10:54,080 Speaker 4: Last question, what grade would you give your money habits 238 00:10:54,080 --> 00:10:55,920 Speaker 4: If we asked you to give yourself a great. 239 00:10:56,000 --> 00:10:59,040 Speaker 5: I would give myself a bee. So I definitely think 240 00:10:59,160 --> 00:11:02,480 Speaker 5: I do well that I organized myself and budget, but 241 00:11:02,559 --> 00:11:05,400 Speaker 5: in the sense of platforms, of organizing my investments and 242 00:11:06,160 --> 00:11:09,840 Speaker 5: understanding my money flow, I kind of have no idea 243 00:11:09,920 --> 00:11:11,000 Speaker 5: where everything is going. 244 00:11:11,360 --> 00:11:12,880 Speaker 4: Okay, that makes a lot of sense, and we can 245 00:11:12,920 --> 00:11:14,880 Speaker 4: definitely help you with one of those things. Off the air, 246 00:11:15,160 --> 00:11:17,240 Speaker 4: But let's go to a really quick break because I 247 00:11:17,320 --> 00:11:19,160 Speaker 4: have a heap of questions that I want to ask 248 00:11:19,200 --> 00:11:25,959 Speaker 4: you about, So don't go anywhere. Welcome back to another 249 00:11:25,960 --> 00:11:29,439 Speaker 4: money Diary Monday and Money Diarist. I want to start 250 00:11:29,480 --> 00:11:32,680 Speaker 4: off by asking you about your private school experience, because 251 00:11:33,160 --> 00:11:36,000 Speaker 4: I think private school is something that can be super polarizing, 252 00:11:36,040 --> 00:11:39,200 Speaker 4: and you said, for yourself, you had two working class 253 00:11:39,240 --> 00:11:41,920 Speaker 4: parents who were working really hard to make that education 254 00:11:42,040 --> 00:11:45,080 Speaker 4: happen for you. You yourself were working as well, and 255 00:11:45,120 --> 00:11:48,760 Speaker 4: you were watching your peers go on these elaborate holidays 256 00:11:48,920 --> 00:11:52,559 Speaker 4: or have money to spend disposedly however they wanted. And 257 00:11:52,720 --> 00:11:56,240 Speaker 4: you said that that kind of shaped your perspective on money. 258 00:11:56,080 --> 00:11:56,520 Speaker 2: A little bit. 259 00:11:56,559 --> 00:11:58,640 Speaker 4: And I just wanted to talk to you about what 260 00:11:58,679 --> 00:12:01,800 Speaker 4: that experience was like for you as a child, because 261 00:12:01,800 --> 00:12:04,040 Speaker 4: that would have had a really big impact on you 262 00:12:04,120 --> 00:12:06,120 Speaker 4: now as an adult and how you feel about money. 263 00:12:06,360 --> 00:12:09,640 Speaker 5: I definitely think it impacted me about what I needed 264 00:12:09,920 --> 00:12:12,480 Speaker 5: in life. I felt like I definitely have to be 265 00:12:12,600 --> 00:12:16,880 Speaker 5: very materialistic. I needed the newest and the best things. 266 00:12:17,760 --> 00:12:21,560 Speaker 5: And your social life was very busy, so you know, 267 00:12:21,679 --> 00:12:24,720 Speaker 5: if you had someone's birthday party that you were going to, 268 00:12:24,920 --> 00:12:26,880 Speaker 5: then you had to make sure you had a new outfit, 269 00:12:26,960 --> 00:12:29,120 Speaker 5: you had this, you had to buy them a gift 270 00:12:29,200 --> 00:12:32,600 Speaker 5: that was you know, above and beyond that anything that 271 00:12:32,640 --> 00:12:35,400 Speaker 5: you'd probably get gifted yourself. But that was kind of 272 00:12:35,440 --> 00:12:39,040 Speaker 5: the environment that you kind of dealt with. Obviously, there 273 00:12:39,080 --> 00:12:43,320 Speaker 5: were other girls in similar situation as myself, but I 274 00:12:43,360 --> 00:12:47,160 Speaker 5: think when you are a teenager and going through. 275 00:12:47,120 --> 00:12:48,160 Speaker 2: Peture, you just want to fit in. 276 00:12:48,240 --> 00:12:48,440 Speaker 1: Yeah. 277 00:12:48,480 --> 00:12:50,440 Speaker 5: Yeah, I just wanted to fit in. And I definitely 278 00:12:50,920 --> 00:12:53,480 Speaker 5: I went through primary school going through bullying because I 279 00:12:53,600 --> 00:12:57,760 Speaker 5: was the only girl child that was actually had brown skin. 280 00:12:58,760 --> 00:13:00,920 Speaker 2: Oh my gosh, that would so hard already. 281 00:13:01,040 --> 00:13:03,000 Speaker 5: Yeah, so when I was at school, like I would 282 00:13:03,000 --> 00:13:05,440 Speaker 5: come home and like cry because everyone would make fun 283 00:13:05,480 --> 00:13:08,360 Speaker 5: of me. So then in high school that was like 284 00:13:08,720 --> 00:13:11,320 Speaker 5: had to fit in, had to fit in. Yeah, So 285 00:13:11,320 --> 00:13:14,679 Speaker 5: it was very very difficult on that perspective. And then 286 00:13:14,720 --> 00:13:18,960 Speaker 5: when I finished school, I was not friends. I'm not 287 00:13:19,000 --> 00:13:21,160 Speaker 5: friends with anyone from high school. Like I, you know, 288 00:13:21,280 --> 00:13:23,400 Speaker 5: will say hello to people, but I actually never have 289 00:13:23,520 --> 00:13:26,760 Speaker 5: any good relationships from there. My friends that I made 290 00:13:26,800 --> 00:13:29,480 Speaker 5: were actually people that I worked with. So one of 291 00:13:29,520 --> 00:13:31,640 Speaker 5: my best friends that I've been friends with for like 292 00:13:31,679 --> 00:13:33,880 Speaker 5: fifteen years now was someone that I met when I 293 00:13:33,920 --> 00:13:36,920 Speaker 5: was fourteen that we work together. We still work together 294 00:13:37,120 --> 00:13:40,480 Speaker 5: now within the same company, just doing different roles. But 295 00:13:41,520 --> 00:13:43,800 Speaker 5: we both went to private schools. But we both don't 296 00:13:43,840 --> 00:13:45,960 Speaker 5: have that perspective of that, like we need to up 297 00:13:46,040 --> 00:13:47,880 Speaker 5: one each other all the time. It's like, oh, what 298 00:13:48,040 --> 00:13:50,720 Speaker 5: new thing do you have? It's like we're both like, 299 00:13:50,800 --> 00:13:53,319 Speaker 5: how can we save about money, How can we you know, 300 00:13:53,480 --> 00:13:55,440 Speaker 5: do the best for our kids and be able to 301 00:13:55,440 --> 00:13:58,960 Speaker 5: give them everything without thinking that they need the newest iPhone, 302 00:13:59,080 --> 00:14:01,560 Speaker 5: the newest iPad or anything like that. 303 00:14:02,040 --> 00:14:05,079 Speaker 4: Yeah, so it's also coloring your relationship with your kids. 304 00:14:05,080 --> 00:14:07,040 Speaker 4: Now out of curiosity, are you going to send your 305 00:14:07,160 --> 00:14:08,760 Speaker 4: kids to private school as well or they go to 306 00:14:08,800 --> 00:14:09,480 Speaker 4: public school? 307 00:14:09,960 --> 00:14:12,920 Speaker 5: It really depends on I would like to send my 308 00:14:13,000 --> 00:14:15,720 Speaker 5: kids to whatever school suits them. So if my kids 309 00:14:15,760 --> 00:14:17,880 Speaker 5: all go to different schools, then they will all go 310 00:14:17,960 --> 00:14:20,080 Speaker 5: to different schools. I want to find a school that 311 00:14:20,200 --> 00:14:23,680 Speaker 5: fits their needs and their lifestyle of what they would 312 00:14:23,720 --> 00:14:25,800 Speaker 5: like to do in their life. I don't want to 313 00:14:25,800 --> 00:14:28,480 Speaker 5: base it on a school that I want to go to. 314 00:14:28,560 --> 00:14:30,520 Speaker 5: So if it becomes a private school, then that's one 315 00:14:30,600 --> 00:14:32,720 Speaker 5: hundred percent okay if that's the best thing for them. 316 00:14:33,000 --> 00:14:34,960 Speaker 5: But if it's a public school, it's a public school. 317 00:14:35,000 --> 00:14:36,240 Speaker 2: That is such a beautiful answer. 318 00:14:36,280 --> 00:14:38,080 Speaker 4: I really love that, And as someone who went to 319 00:14:38,080 --> 00:14:40,440 Speaker 4: public school, like, I feel like they get a bit 320 00:14:40,440 --> 00:14:43,800 Speaker 4: of a bad rap. Like there's public schools private schools. 321 00:14:43,800 --> 00:14:46,720 Speaker 4: There's definitely more resources available at private school, but I 322 00:14:46,720 --> 00:14:49,800 Speaker 4: think there's totally benefits to both And it's a really 323 00:14:49,840 --> 00:14:52,080 Speaker 4: great perspective to have to say it's going to depend 324 00:14:52,080 --> 00:14:54,160 Speaker 4: on my kid, because every kid needs different things, So 325 00:14:54,960 --> 00:14:56,200 Speaker 4: I think that's a great way to do it. 326 00:14:56,360 --> 00:14:59,480 Speaker 5: Yeah, and especially having two foster children as well, Like 327 00:14:59,560 --> 00:15:02,160 Speaker 5: they can't they go to the public system. That's only 328 00:15:02,200 --> 00:15:05,360 Speaker 5: because of the financial They came into our life very quickly, 329 00:15:05,840 --> 00:15:08,520 Speaker 5: and it wasn't something my parents had ever planned to 330 00:15:09,080 --> 00:15:11,800 Speaker 5: add into their lifestyle like they had done kids because 331 00:15:12,000 --> 00:15:15,720 Speaker 5: I'm a little bit older than what they are. But 332 00:15:15,880 --> 00:15:19,040 Speaker 5: in that sense that the way that the education we're 333 00:15:19,120 --> 00:15:21,360 Speaker 5: choosing where they go to high school is based on 334 00:15:21,520 --> 00:15:25,840 Speaker 5: their requirements. So one of them is definitely not a 335 00:15:25,960 --> 00:15:29,640 Speaker 5: educational learning kind of kid, Like he's great with sports, 336 00:15:29,640 --> 00:15:31,600 Speaker 5: so like we're going to focus on schools that are 337 00:15:31,680 --> 00:15:34,640 Speaker 5: sports focused and all of that. Like he's never going 338 00:15:34,680 --> 00:15:37,000 Speaker 5: to be a UNI student or anything like that. Like 339 00:15:37,160 --> 00:15:39,600 Speaker 5: we know he knows that, so we want to make 340 00:15:39,640 --> 00:15:42,280 Speaker 5: sure we give him absolutely everything that if he would 341 00:15:42,360 --> 00:15:45,160 Speaker 5: like to be a rugby union player, then we'll give 342 00:15:45,240 --> 00:15:47,280 Speaker 5: him every stepping stone to get to that place. 343 00:15:47,760 --> 00:15:48,400 Speaker 2: Incredible. 344 00:15:48,760 --> 00:15:51,680 Speaker 3: I wanted to ask you money Dirist about your journey 345 00:15:51,720 --> 00:15:54,680 Speaker 3: with investing so you said you grew up in a 346 00:15:54,720 --> 00:15:58,360 Speaker 3: household that did not approve of shares. How did your 347 00:15:58,440 --> 00:16:02,080 Speaker 3: perception change with that? Was it purely down to your 348 00:16:02,120 --> 00:16:05,040 Speaker 3: partner or was it listening to she's on the money perhaps? 349 00:16:05,160 --> 00:16:06,600 Speaker 2: What was your story with that. 350 00:16:06,880 --> 00:16:09,320 Speaker 5: I wish it was my partner and I believed in him, 351 00:16:09,400 --> 00:16:14,520 Speaker 5: but it wasn't. So it definitely was she's on the money. 352 00:16:15,280 --> 00:16:17,920 Speaker 5: So obviously I thought we needed to do something about 353 00:16:17,920 --> 00:16:20,400 Speaker 5: our budget. I wanted to buy a home. He wasn't 354 00:16:20,440 --> 00:16:22,520 Speaker 5: like really into buying a home. We used to go 355 00:16:22,560 --> 00:16:25,160 Speaker 5: on holidays like two times a year and spend like 356 00:16:25,480 --> 00:16:28,040 Speaker 5: a whole salary on holidays because we lived at home 357 00:16:28,080 --> 00:16:31,520 Speaker 5: and that's what we could do. So he always did 358 00:16:31,640 --> 00:16:36,400 Speaker 5: the savings and did his portfolio, and he does. I 359 00:16:36,400 --> 00:16:38,920 Speaker 5: think it's like the day trading kind of thing, Like 360 00:16:39,000 --> 00:16:41,520 Speaker 5: he looks at it every day and he's like heavily 361 00:16:41,560 --> 00:16:43,760 Speaker 5: invested in it. I was like, I don't have time 362 00:16:43,800 --> 00:16:44,040 Speaker 5: for that. 363 00:16:44,600 --> 00:16:47,240 Speaker 4: It's a big commitment. And even then you can put 364 00:16:47,280 --> 00:16:49,520 Speaker 4: all the time and effort in the world into it 365 00:16:49,640 --> 00:16:51,720 Speaker 4: and some of it just comes down to luck. 366 00:16:51,880 --> 00:16:55,240 Speaker 5: Yeah, yep. And I was like I don't care that 367 00:16:55,400 --> 00:16:58,080 Speaker 5: much to sit there and like understand each of them, 368 00:16:58,120 --> 00:17:00,440 Speaker 5: like I would like to know the basics, like I'd 369 00:17:00,560 --> 00:17:02,680 Speaker 5: rather pay someone to do it for me, Like that's 370 00:17:02,680 --> 00:17:05,840 Speaker 5: just not on my top ten to do list. So 371 00:17:05,920 --> 00:17:09,560 Speaker 5: that my parents definitely were very like shares is you 372 00:17:09,680 --> 00:17:14,320 Speaker 5: lose money, that's not how you future proof yourself. And 373 00:17:14,359 --> 00:17:16,840 Speaker 5: I think living week by week, they still do live 374 00:17:16,880 --> 00:17:19,520 Speaker 5: on credit cards and they buy things I feel outside 375 00:17:19,520 --> 00:17:22,359 Speaker 5: of their means and don't accommodate for anything, and that's 376 00:17:22,400 --> 00:17:26,280 Speaker 5: super stressful for me because I'm like, why did you 377 00:17:26,359 --> 00:17:29,800 Speaker 5: just do that? Yeah, And they will complain about money, 378 00:17:29,840 --> 00:17:33,000 Speaker 5: but then we'll go buy a brand new TV. 379 00:17:33,720 --> 00:17:36,119 Speaker 4: Yeah, and you're like, this is an endless loop. That 380 00:17:36,240 --> 00:17:37,880 Speaker 4: just is not Yah told itself. 381 00:17:38,119 --> 00:17:40,119 Speaker 5: So it's never that I don't think I can do 382 00:17:40,200 --> 00:17:43,359 Speaker 5: anything to help them. I try, but I understand to 383 00:17:43,400 --> 00:17:46,600 Speaker 5: myself that if I would like something, I need to 384 00:17:46,760 --> 00:17:48,800 Speaker 5: you know, aim for it and get to that point 385 00:17:48,880 --> 00:17:52,880 Speaker 5: and through shares, that's hopefully something that we can future 386 00:17:52,920 --> 00:17:55,919 Speaker 5: for later, so that our share portfolio is primarily going 387 00:17:55,960 --> 00:17:58,439 Speaker 5: to be for our kids, just so we can start 388 00:17:58,480 --> 00:18:00,800 Speaker 5: saving and like having that fund so if one day 389 00:18:00,800 --> 00:18:02,840 Speaker 5: we want to go, hey, we want to buy your car, 390 00:18:03,080 --> 00:18:03,960 Speaker 5: then we can. 391 00:18:04,520 --> 00:18:05,320 Speaker 2: That's incredible. 392 00:18:05,640 --> 00:18:08,000 Speaker 4: I want to actually ask about your kids and the 393 00:18:08,040 --> 00:18:10,840 Speaker 4: foster kids as well. That you said you kind of 394 00:18:11,000 --> 00:18:13,800 Speaker 4: job share almost with your mum, and you said before 395 00:18:13,840 --> 00:18:16,440 Speaker 4: that they came in a little bit unexpectedly. How did 396 00:18:16,480 --> 00:18:19,120 Speaker 4: that happen? So how do they come into your lives? Firstly? 397 00:18:19,240 --> 00:18:22,439 Speaker 4: And then how does that job share work? Because obviously 398 00:18:22,480 --> 00:18:24,760 Speaker 4: having two kids of your own is a big time 399 00:18:24,840 --> 00:18:27,040 Speaker 4: commitment in and of itself with the school runs, if 400 00:18:27,040 --> 00:18:29,200 Speaker 4: you go into different schools and all those kinds of things, 401 00:18:29,440 --> 00:18:31,600 Speaker 4: and then you've got another two that you're helping out 402 00:18:31,640 --> 00:18:32,399 Speaker 4: with as well. 403 00:18:32,440 --> 00:18:33,359 Speaker 2: What is that all like? 404 00:18:33,840 --> 00:18:37,400 Speaker 5: So I had my first child here is three now, 405 00:18:37,680 --> 00:18:39,639 Speaker 5: when we both lived at my parents' house in a 406 00:18:39,640 --> 00:18:43,480 Speaker 5: granny flat. So I was about six months pregnant and 407 00:18:43,800 --> 00:18:47,080 Speaker 5: they came into our care. They were about three and 408 00:18:47,240 --> 00:18:50,280 Speaker 5: four at the time. They were family friends' kids that 409 00:18:50,320 --> 00:18:53,400 Speaker 5: we used to look after all the time, like every 410 00:18:53,400 --> 00:18:55,720 Speaker 5: second weekend we would look after them so mum could 411 00:18:55,760 --> 00:18:57,919 Speaker 5: have a break. So they used to come over for 412 00:18:57,960 --> 00:19:01,879 Speaker 5: three four days every fortnight. And then at the point 413 00:19:01,960 --> 00:19:05,240 Speaker 5: it got to the point where the youngest one who 414 00:19:05,280 --> 00:19:08,200 Speaker 5: came into my care first, she had severe allergies, so 415 00:19:08,280 --> 00:19:11,480 Speaker 5: she was allergic to pretty much life and had really 416 00:19:11,480 --> 00:19:15,119 Speaker 5: bad exma that her skin was scabbing, and you know, 417 00:19:15,240 --> 00:19:18,080 Speaker 5: she couldn't do anything. It was a very miserable life 418 00:19:18,119 --> 00:19:22,200 Speaker 5: for her. So her auntie had taken her to the hospital, 419 00:19:22,480 --> 00:19:24,560 Speaker 5: and then she wasn't allowed to go back home with 420 00:19:24,600 --> 00:19:27,160 Speaker 5: her mother because they thought it wasn't the right place 421 00:19:27,240 --> 00:19:30,879 Speaker 5: for her. So they asked my mum if she would 422 00:19:30,920 --> 00:19:34,480 Speaker 5: like to take care of her. So obviously that was 423 00:19:34,520 --> 00:19:36,359 Speaker 5: a discussion as a family that we had to have. 424 00:19:36,440 --> 00:19:38,679 Speaker 5: She couldn't really make a decision by herself, and I 425 00:19:38,720 --> 00:19:40,960 Speaker 5: said to them like I'm more than happy to help, 426 00:19:41,040 --> 00:19:44,720 Speaker 5: like whilst i live at my parents' house, which I 427 00:19:44,760 --> 00:19:46,920 Speaker 5: obviously not having my own kids at the time, didn't 428 00:19:46,920 --> 00:19:50,720 Speaker 5: realize what I was putting myself forward for. And then 429 00:19:51,040 --> 00:19:55,119 Speaker 5: also the justification that her brother wasn't coming with us, 430 00:19:55,160 --> 00:19:58,359 Speaker 5: so we would still have to liaise with the mother 431 00:19:58,560 --> 00:20:02,480 Speaker 5: to do visitation and stuff like that. So she we 432 00:20:02,560 --> 00:20:05,680 Speaker 5: said like okay, one person, like it's fine, like she'll 433 00:20:05,760 --> 00:20:09,440 Speaker 5: be okay. And then a few months later the brother 434 00:20:09,520 --> 00:20:14,639 Speaker 5: came into our care because something happened. And then within 435 00:20:14,760 --> 00:20:18,199 Speaker 5: like six months, so I then had my child and 436 00:20:18,200 --> 00:20:20,320 Speaker 5: then I was at home, so I was doing like 437 00:20:20,440 --> 00:20:23,640 Speaker 5: morning school drop offs at daycare and primary school, every 438 00:20:23,720 --> 00:20:28,320 Speaker 5: day pickups, then organizing swimming lessons, organizing like all the 439 00:20:28,359 --> 00:20:31,399 Speaker 5: Sentlin things because they are in foster care, they go 440 00:20:31,480 --> 00:20:34,080 Speaker 5: through Senilin. Had no idea how that program worked. 441 00:20:34,320 --> 00:20:36,399 Speaker 2: Not so much paperwork, I can imagine. 442 00:20:36,440 --> 00:20:38,800 Speaker 5: And this was three COVID so you physically had to 443 00:20:38,840 --> 00:20:41,760 Speaker 5: go into locations, so like, I'm like taking a newborn 444 00:20:41,800 --> 00:20:45,880 Speaker 5: into these places, taking a newborn into coorts, like doing 445 00:20:45,960 --> 00:20:48,840 Speaker 5: all of that. So at the moment, So we moved 446 00:20:48,920 --> 00:20:52,160 Speaker 5: out about eighteen months ago, or probably twelve months ago 447 00:20:52,200 --> 00:20:55,840 Speaker 5: because we renovated before we moved in. So my parents 448 00:20:55,880 --> 00:20:59,280 Speaker 5: look after my kids during the day whilst I'm at work. 449 00:21:00,119 --> 00:21:03,000 Speaker 5: In the mornings, we'll drive an hour to their place 450 00:21:03,040 --> 00:21:07,560 Speaker 5: because we live an hour away. Joys of Sydney property prices, 451 00:21:07,640 --> 00:21:09,280 Speaker 5: can't afford to live near them. 452 00:21:09,400 --> 00:21:10,920 Speaker 2: Oh my gosh, feels yeah. 453 00:21:11,040 --> 00:21:13,399 Speaker 5: So we drive an hour to my parents. We do 454 00:21:13,520 --> 00:21:17,080 Speaker 5: breakfast and then I'll drop the kids off at school 455 00:21:17,080 --> 00:21:19,040 Speaker 5: on the way and then I'll go to work and 456 00:21:19,080 --> 00:21:21,680 Speaker 5: then I normally work later in the night, so then 457 00:21:21,920 --> 00:21:23,760 Speaker 5: someone will pick up the kids in the afternoon and 458 00:21:23,840 --> 00:21:27,119 Speaker 5: depending on what activities there are, we'll take them to 459 00:21:27,160 --> 00:21:31,200 Speaker 5: like swimming, rugby training, basketball, and then my partner will 460 00:21:31,200 --> 00:21:33,720 Speaker 5: get home and we'll make dinner for everyone that's there. 461 00:21:34,080 --> 00:21:35,840 Speaker 2: Oh my gosh, it sounds lazy. 462 00:21:35,960 --> 00:21:36,120 Speaker 1: Love. 463 00:21:36,359 --> 00:21:40,600 Speaker 4: Yeah, like a full Brady Bunch situation. And I mean, 464 00:21:40,760 --> 00:21:42,679 Speaker 4: hats off to you and your mum. That is not 465 00:21:42,960 --> 00:21:46,320 Speaker 4: an easy situation to find yourselves in and to put 466 00:21:46,320 --> 00:21:48,120 Speaker 4: your hand up and say yeah, like we'll help these 467 00:21:48,160 --> 00:21:52,479 Speaker 4: people is just incredible. So I'm so impressed, honestly and 468 00:21:52,840 --> 00:21:54,680 Speaker 4: thankful that there are people like you or who are 469 00:21:54,840 --> 00:21:57,640 Speaker 4: willing and able to do stuff like that to help 470 00:21:57,640 --> 00:22:00,639 Speaker 4: out families in need. It's just amazing. In terms of 471 00:22:00,680 --> 00:22:04,000 Speaker 4: the financial aid that you get from the system, is 472 00:22:04,000 --> 00:22:07,120 Speaker 4: there still a significant financial burden that falls to you 473 00:22:07,320 --> 00:22:10,119 Speaker 4: or is everything kind of covered because I imagine things like 474 00:22:10,200 --> 00:22:13,879 Speaker 4: swimming and like they're once not needs, and I mean 475 00:22:13,920 --> 00:22:16,240 Speaker 4: they're so important if you are able to do that 476 00:22:16,320 --> 00:22:19,480 Speaker 4: for your kid, for development and confidence and all those 477 00:22:19,520 --> 00:22:21,760 Speaker 4: sorts of things. But I can also imagine that from 478 00:22:21,880 --> 00:22:25,439 Speaker 4: like a courts perspective, they wouldn't maybe account for that 479 00:22:25,560 --> 00:22:26,040 Speaker 4: kind of thing. 480 00:22:26,560 --> 00:22:30,280 Speaker 5: Absolutely not. So my mom takes all the payments because 481 00:22:30,320 --> 00:22:32,920 Speaker 5: they live like with her, So I kind of am 482 00:22:33,000 --> 00:22:37,400 Speaker 5: the assistance in other things, but it definitely doesn't cover everything. 483 00:22:37,520 --> 00:22:40,520 Speaker 5: So we still have to pay school fees even though 484 00:22:40,520 --> 00:22:43,000 Speaker 5: we go to our public school. Yep. So at the 485 00:22:43,040 --> 00:22:46,000 Speaker 5: beginning they offered to pay for uniforms and stuff like that, 486 00:22:46,080 --> 00:22:50,080 Speaker 5: but ever since they haven't offered They also, I know 487 00:22:50,200 --> 00:22:54,040 Speaker 5: with our local school provide the school with different grants. 488 00:22:54,119 --> 00:22:58,600 Speaker 5: So because they are Torres Strait Islander as well, they 489 00:22:58,640 --> 00:23:01,960 Speaker 5: receive grants at the school, and because they are classified 490 00:23:01,960 --> 00:23:05,320 Speaker 5: as foster children, they also receive grants. I've learned that 491 00:23:05,359 --> 00:23:08,480 Speaker 5: those grants for a teacher ade don't actually go towards 492 00:23:08,760 --> 00:23:12,960 Speaker 5: the children, because that's how the public school system unfortunately works. 493 00:23:13,000 --> 00:23:15,119 Speaker 5: It goes to those that are in need. And if 494 00:23:15,160 --> 00:23:18,160 Speaker 5: he's not classified as in need, even though he being 495 00:23:18,240 --> 00:23:22,320 Speaker 5: there brings those requirements, they don't get access to them. 496 00:23:22,600 --> 00:23:25,520 Speaker 5: So like swimming lessons is ye not paid for and 497 00:23:25,800 --> 00:23:28,760 Speaker 5: they aren't a cheap expense, but we have a pool, 498 00:23:28,880 --> 00:23:32,520 Speaker 5: so we believe swimming lessons is a requirement. I myself 499 00:23:32,600 --> 00:23:34,760 Speaker 5: used to swim like four mornings a week, so like 500 00:23:34,960 --> 00:23:38,800 Speaker 5: that's just the norm for me. And then like sports 501 00:23:39,160 --> 00:23:42,320 Speaker 5: as I said before, the eldest boy, he is not 502 00:23:42,359 --> 00:23:45,639 Speaker 5: an academic child. He never will be. He doesn't enjoy it, 503 00:23:45,800 --> 00:23:49,000 Speaker 5: and which is absolutely fine. He is great at sports, 504 00:23:49,440 --> 00:23:52,320 Speaker 5: so it was really exciting. He had his rep rugby 505 00:23:52,480 --> 00:23:55,600 Speaker 5: tryouts for the Great Above because he's too young for 506 00:23:55,720 --> 00:23:58,399 Speaker 5: his like reps doesn't exist for his age, and he 507 00:23:58,440 --> 00:23:59,920 Speaker 5: actually made the team on the weekend. 508 00:24:00,359 --> 00:24:03,880 Speaker 3: Ah, say, congratulate him for us. 509 00:24:03,880 --> 00:24:06,280 Speaker 5: We will. So it's really exciting that, like, he has 510 00:24:06,359 --> 00:24:10,040 Speaker 5: these opportunities and everything, but if we didn't do that. 511 00:24:10,119 --> 00:24:13,080 Speaker 2: For him, he wouldn't get that. 512 00:24:13,080 --> 00:24:16,280 Speaker 5: That's not something that is in the tickbox kind of 513 00:24:16,320 --> 00:24:18,880 Speaker 5: formula of what the requirements they give. 514 00:24:19,640 --> 00:24:22,639 Speaker 4: Yeah, oh my gosh, it's so hard to think about 515 00:24:22,720 --> 00:24:25,520 Speaker 4: the opportunities I guess that are available to some people 516 00:24:25,600 --> 00:24:28,359 Speaker 4: and not to others. And yeah, it's really special that 517 00:24:28,840 --> 00:24:31,800 Speaker 4: you are providing that for him. And I think that 518 00:24:31,960 --> 00:24:35,680 Speaker 4: perspective as well of Hey, like, maybe academics aren't your thing. 519 00:24:36,119 --> 00:24:38,840 Speaker 4: As someone who grew up in an environment where like 520 00:24:38,920 --> 00:24:41,760 Speaker 4: my education and the schooling process that I went through 521 00:24:41,840 --> 00:24:44,480 Speaker 4: was very academic focused, as someone who is kind of 522 00:24:44,560 --> 00:24:46,760 Speaker 4: less inclined that way, I know that it can be 523 00:24:46,840 --> 00:24:50,240 Speaker 4: really disheartening to experience that. So I think the fact 524 00:24:50,240 --> 00:24:51,800 Speaker 4: that you're going, hey, like, if that's not for you, 525 00:24:51,880 --> 00:24:54,960 Speaker 4: that's so cool, Like you have other awesome skills, yeah, 526 00:24:55,320 --> 00:24:56,679 Speaker 4: and let us support you. 527 00:24:56,720 --> 00:24:57,400 Speaker 2: What can we do? 528 00:24:58,000 --> 00:24:59,720 Speaker 4: I think that he and all of your other kids 529 00:24:59,720 --> 00:25:03,080 Speaker 4: are going to grow up and have really, really fantastic lives. 530 00:25:02,840 --> 00:25:03,360 Speaker 2: Because of that. 531 00:25:03,480 --> 00:25:03,800 Speaker 5: Thank you. 532 00:25:04,240 --> 00:25:06,840 Speaker 4: To shift the conversation back to you, you said before 533 00:25:06,960 --> 00:25:09,600 Speaker 4: that you're finishing off UNI and you're studying to become 534 00:25:09,960 --> 00:25:10,960 Speaker 4: board certified. 535 00:25:11,280 --> 00:25:13,159 Speaker 2: How long have you got left? What does that look like? 536 00:25:13,280 --> 00:25:18,400 Speaker 4: How are you going juggling study and your certification alongside working, 537 00:25:18,600 --> 00:25:21,720 Speaker 4: alongside being a mom to so many beautiful kids. 538 00:25:21,840 --> 00:25:27,359 Speaker 5: It's definitely a juggle. So after having kids, I realized 539 00:25:27,400 --> 00:25:32,760 Speaker 5: that breastfeeding and support for women postpartum is pretty much nonexistent, 540 00:25:33,520 --> 00:25:36,639 Speaker 5: and I definitely went down the rabbit hole of exploring 541 00:25:36,680 --> 00:25:39,399 Speaker 5: options to be able to provide that support and nurture 542 00:25:39,440 --> 00:25:42,280 Speaker 5: women postpartum. The saying that it takes a village to 543 00:25:42,400 --> 00:25:45,680 Speaker 5: raise a baby is one hundred percent through, but no 544 00:25:45,720 --> 00:25:48,760 Speaker 5: one realizes that taking a village doesn't mean coming over 545 00:25:48,840 --> 00:25:51,400 Speaker 5: and holding the baby for five minutes. It's coming over 546 00:25:51,480 --> 00:25:54,400 Speaker 5: and doing the washing for mom, cooking food for mom, 547 00:25:54,640 --> 00:25:57,239 Speaker 5: like letting her sit there and taking that time and 548 00:25:57,240 --> 00:26:03,200 Speaker 5: that bonding that's required. So after not realizing because there 549 00:26:03,320 --> 00:26:07,360 Speaker 5: was such a non existent I was studying a Bachelor 550 00:26:07,400 --> 00:26:10,239 Speaker 5: of Commerce in Human Resources. So I think I have 551 00:26:10,280 --> 00:26:13,560 Speaker 5: like two subjects to go. I've just been pregnant or 552 00:26:14,359 --> 00:26:17,480 Speaker 5: having a newborn. Every time a semester would start. 553 00:26:17,920 --> 00:26:18,520 Speaker 2: Just bad timing. 554 00:26:18,560 --> 00:26:20,359 Speaker 5: Yeah, I was like, probably not a good time to 555 00:26:20,359 --> 00:26:22,720 Speaker 5: do it right now. So hopefully I'm going to finish 556 00:26:22,720 --> 00:26:25,399 Speaker 5: that off this year. So I am fine, like just 557 00:26:25,560 --> 00:26:29,280 Speaker 5: it's done. And then I am currently also completing a 558 00:26:29,440 --> 00:26:34,280 Speaker 5: Certificate four in breastfeeding Education, which is done through the 559 00:26:34,359 --> 00:26:38,000 Speaker 5: Australian Breastfeeding Association. So I decided to do that to 560 00:26:38,359 --> 00:26:42,159 Speaker 5: gain knowledge for myself on my own breastfeeding experience and 561 00:26:42,240 --> 00:26:45,239 Speaker 5: being able to advocate for myself within my workplace and 562 00:26:45,320 --> 00:26:48,560 Speaker 5: return to work and be able to continue to complete 563 00:26:48,560 --> 00:26:52,800 Speaker 5: that which obviously in my industry in some places it's 564 00:26:52,840 --> 00:26:56,160 Speaker 5: not really a normal thing. So be able to provide 565 00:26:56,200 --> 00:26:59,320 Speaker 5: that in for my place and then also for other 566 00:26:59,400 --> 00:27:02,120 Speaker 5: places as well well. And then once I've done that, 567 00:27:02,240 --> 00:27:05,960 Speaker 5: I want to start my journey to become an international 568 00:27:06,040 --> 00:27:10,639 Speaker 5: board Certified Lactation Consultant. Unfortunately, it is a really difficult 569 00:27:11,119 --> 00:27:13,919 Speaker 5: niche to get into if I'm not a nurse or 570 00:27:13,920 --> 00:27:20,239 Speaker 5: a midwife. Because it's an international certification. There's certain like 571 00:27:20,359 --> 00:27:25,520 Speaker 5: either take grade units or uni degree units required and 572 00:27:25,560 --> 00:27:29,679 Speaker 5: then clinical hours as well. So Australia doesn't have the 573 00:27:29,720 --> 00:27:33,480 Speaker 5: foundations that for example, the US do. So in the 574 00:27:33,600 --> 00:27:38,159 Speaker 5: US they have like centers that primarily there for people 575 00:27:38,200 --> 00:27:41,240 Speaker 5: to study to become an IBCLC and then you can 576 00:27:41,280 --> 00:27:43,480 Speaker 5: do the whole program through them. So yes, you may 577 00:27:43,520 --> 00:27:45,960 Speaker 5: pay like five to ten grand to do it, but 578 00:27:46,040 --> 00:27:49,560 Speaker 5: that whole certification can be done, Whereas in Australia if 579 00:27:49,560 --> 00:27:51,840 Speaker 5: you're not a nurse or a midwife, it's a lot 580 00:27:51,880 --> 00:27:55,159 Speaker 5: of a more tedious process to get there. So I 581 00:27:55,200 --> 00:27:58,280 Speaker 5: can like I've added some units into my degree because 582 00:27:58,320 --> 00:28:01,639 Speaker 5: I had electives to kind of go towards it, but 583 00:28:01,720 --> 00:28:03,320 Speaker 5: then I'll have to work out how to do the 584 00:28:03,359 --> 00:28:05,639 Speaker 5: other ones. But at the moment, I'm kind of just 585 00:28:05,800 --> 00:28:09,000 Speaker 5: educating myself and putting myself out there to try and 586 00:28:10,200 --> 00:28:12,760 Speaker 5: help other mothers and be that support system which I 587 00:28:12,800 --> 00:28:15,040 Speaker 5: don't think is out there at the moment. 588 00:28:15,400 --> 00:28:16,159 Speaker 2: That's amazing. 589 00:28:16,359 --> 00:28:18,240 Speaker 4: I love that and I mean, I haven't had children, 590 00:28:18,280 --> 00:28:20,520 Speaker 4: so I'm probably definitely not qualified to speak on it. 591 00:28:20,560 --> 00:28:22,359 Speaker 4: But a lot of my friends have actually who have 592 00:28:22,440 --> 00:28:25,800 Speaker 4: had kids, have said that breastfeeding was way more challenging 593 00:28:25,840 --> 00:28:27,040 Speaker 4: than they thought it was going to be. Like you 594 00:28:27,119 --> 00:28:28,879 Speaker 4: kind of have this idea that it's going to be easy. 595 00:28:28,920 --> 00:28:31,600 Speaker 4: The baby just knows, and there's the boob, there's the baby, 596 00:28:32,040 --> 00:28:34,800 Speaker 4: it's all happy and it all works. But that's actually 597 00:28:34,880 --> 00:28:37,040 Speaker 4: not the case, which is kind of crazy to think about. 598 00:28:37,760 --> 00:28:40,880 Speaker 4: I didn't know that obviously, not having had children. So yeah, 599 00:28:40,920 --> 00:28:43,840 Speaker 4: I think more education is never a bad thing, and 600 00:28:43,880 --> 00:28:45,840 Speaker 4: that's a really cool thing to be pursuing. And I 601 00:28:45,880 --> 00:28:48,640 Speaker 4: love that you're kind of changing your future to suit 602 00:28:48,840 --> 00:28:51,200 Speaker 4: what you learned as a new mum. That's incredible. 603 00:28:51,320 --> 00:28:53,360 Speaker 5: Yeah, especially like I would say I would be a 604 00:28:53,400 --> 00:28:55,480 Speaker 5: younger mom, like I was twenty five when I had 605 00:28:55,520 --> 00:28:58,480 Speaker 5: my first child, and I think, you know, having been 606 00:28:58,520 --> 00:29:00,400 Speaker 5: the first person in my friend group to go through 607 00:29:00,440 --> 00:29:05,080 Speaker 5: everything and not knowing anything, you are definitely guided by 608 00:29:05,120 --> 00:29:08,600 Speaker 5: the system. And yes, I feel like our hospital system 609 00:29:08,680 --> 00:29:13,880 Speaker 5: has its place, but unfortunately sometimes they don't provide the 610 00:29:13,920 --> 00:29:17,200 Speaker 5: best breastfeeding knowledge to mums. It could just be what's 611 00:29:17,240 --> 00:29:21,000 Speaker 5: best for their hospital and what their protocols are, because 612 00:29:21,000 --> 00:29:23,720 Speaker 5: there are protocols that they have to follow, they have 613 00:29:23,840 --> 00:29:27,160 Speaker 5: rules and regulations that they must abide by, and it's 614 00:29:27,160 --> 00:29:29,840 Speaker 5: not what's best for you sometimes it's what they have 615 00:29:29,920 --> 00:29:33,920 Speaker 5: to do. So understanding that, Like, I'm surprised and many 616 00:29:33,960 --> 00:29:36,880 Speaker 5: people are that I breastfed my first for so long 617 00:29:36,920 --> 00:29:40,560 Speaker 5: and did so well without any intervening, whereas with my second, 618 00:29:41,320 --> 00:29:44,920 Speaker 5: I was more well aware, more educated, and luckily I 619 00:29:44,960 --> 00:29:47,720 Speaker 5: did because our breastfeeding journey probably would have ended a 620 00:29:47,720 --> 00:29:49,760 Speaker 5: lot earlier because we had a lot of issues throughout 621 00:29:49,800 --> 00:29:53,080 Speaker 5: the process. My kids like to not like me to 622 00:29:53,120 --> 00:29:55,640 Speaker 5: have dairy, So thank you so much. It's been a 623 00:29:55,640 --> 00:29:58,600 Speaker 5: long time since I've had an ice cream. Oh no, 624 00:29:59,000 --> 00:30:01,200 Speaker 5: So yeah, Like, if I didn't have the knowledge or 625 00:30:01,320 --> 00:30:05,200 Speaker 5: the information about how to go through that process, I 626 00:30:05,240 --> 00:30:07,440 Speaker 5: would have just been like, oh, okay, I'll just do this, 627 00:30:07,920 --> 00:30:10,120 Speaker 5: and that's not what I wanted to do. Like, I 628 00:30:10,160 --> 00:30:12,760 Speaker 5: am one hundred percent grateful that I've been able to 629 00:30:13,120 --> 00:30:16,600 Speaker 5: breastfeed my children. My second is now eighteen months and 630 00:30:16,600 --> 00:30:19,920 Speaker 5: we're still breastfeeding. So I have the opportunity to express 631 00:30:20,000 --> 00:30:23,440 Speaker 5: during work and he has bottles with his caregivers when 632 00:30:23,440 --> 00:30:23,960 Speaker 5: he's at home. 633 00:30:24,120 --> 00:30:26,400 Speaker 4: Wow, I feel like I have learned so much this 634 00:30:26,840 --> 00:30:29,400 Speaker 4: Money Diary. Oh my goodness. Thank you so much for 635 00:30:29,480 --> 00:30:31,800 Speaker 4: joining us, and really incredible to hear all the things 636 00:30:31,840 --> 00:30:34,840 Speaker 4: that you're doing. Let us know when you are qualified, 637 00:30:34,840 --> 00:30:36,240 Speaker 4: because we'd love to be able to share that with 638 00:30:36,280 --> 00:30:39,120 Speaker 4: our community. I think that's really special. But George, I 639 00:30:39,120 --> 00:30:40,760 Speaker 4: think that's all we've got time for. Did you want 640 00:30:40,760 --> 00:30:41,920 Speaker 4: to wrap up the important bits? 641 00:30:42,040 --> 00:30:42,760 Speaker 2: Absolutely? 642 00:30:42,960 --> 00:30:45,000 Speaker 3: Firstly, I just wanted to say thank you as well 643 00:30:45,040 --> 00:30:46,760 Speaker 3: to our money dire So that was amazing, and I 644 00:30:46,760 --> 00:30:48,720 Speaker 3: think the thing that I really took away was just 645 00:30:48,760 --> 00:30:51,440 Speaker 3: how caring you are. You are an incredible person, and 646 00:30:51,520 --> 00:30:53,960 Speaker 3: as just said earlier, we are so lucky to have 647 00:30:54,040 --> 00:30:56,680 Speaker 3: people like you in our community. I've got like goosebumps. 648 00:30:56,680 --> 00:30:58,719 Speaker 3: That was just a really beautiful story, and thank you 649 00:30:58,840 --> 00:31:01,360 Speaker 3: for sharing it with us, and good luck in the future. 650 00:31:01,480 --> 00:31:03,400 Speaker 5: Thank you so much for having me on the show. Guys. 651 00:31:03,400 --> 00:31:04,840 Speaker 5: It's been a really good experience. 652 00:31:05,200 --> 00:31:08,640 Speaker 3: Yay, all right, guys, here's boring stuff. The advice shed 653 00:31:08,680 --> 00:31:11,000 Speaker 3: on She's on the Money is general in nature and 654 00:31:11,040 --> 00:31:13,200 Speaker 3: does not consider out your individual circumstances. 655 00:31:13,480 --> 00:31:14,440 Speaker 2: She's on the Money. 656 00:31:14,320 --> 00:31:17,560 Speaker 3: Exists purely for educational purposes and should not be relied 657 00:31:17,600 --> 00:31:20,440 Speaker 3: upon to make an investment or a financial decision. And 658 00:31:20,560 --> 00:31:23,160 Speaker 3: we promise Victoria divine and she's on the money. Are 659 00:31:23,200 --> 00:31:28,360 Speaker 3: authorized representatives of in Focused Securities Australia Proprietary Limited ABAN 660 00:31:28,560 --> 00:31:31,280 Speaker 3: four seven zero nine seven seven nine seven zero four 661 00:31:31,400 --> 00:31:34,880 Speaker 3: nine AFOs SAL two three six five two three. Thank 662 00:31:34,920 --> 00:31:36,520 Speaker 3: you so much guys, to see you on Wednesday. 663 00:31:36,560 --> 00:31:37,160 Speaker 2: See then