WEBVTT - I Fell Pregnant at 30… While Single and Working 70-Hour Weeks 0:00:00.200 --> 0:00:02.960 My name is Satasha Bamblet. I'm a proud First Nations 0:00:03.000 --> 0:00:08.559 woman and I'm here to acknowledge country t Glenn youan Ganya, Niana, 0:00:08.680 --> 0:00:11.920 Kaka yah y and Binahaka Nian our gay In Nimbini, 0:00:11.960 --> 0:00:17.160 yakarum Jar, Doumayagumika, Dumaga, Ihowaka, Nilewaman damon Immalan Bumba bang 0:00:17.160 --> 0:00:22.439 gadaboma In and now in Waka ghana on yakarrum Jar Watanadana. Hello, 0:00:22.480 --> 0:00:25.880 beautiful friends, we gather on the lands of the Aboriginal people. 0:00:26.360 --> 0:00:29.080 We thank acknowledge and respect the Abiginal people's land that 0:00:29.120 --> 0:00:31.880 we're gathering on today. Take pleasure in all the land 0:00:32.080 --> 0:00:35.320 and respect all that you see. She's on the Money 0:00:35.360 --> 0:00:41.960 podcast acknowledges culture, country, community and connections, bringing you the tools, 0:00:42.400 --> 0:00:44.560 knowledge and resources for you to thrive. 0:00:45.080 --> 0:00:46.800 She's on the Money. 0:00:47.040 --> 0:00:52.800 She's on the Money. Hello, and welcome to She's on 0:00:52.880 --> 0:00:55.280 the Money, the podcast that lets you be pervy about 0:00:55.320 --> 0:00:59.640 other people's money stories for educational purposes, of course. Welcome 0:00:59.680 --> 0:01:02.080 back to another one of our Money Diaries episodes brought 0:01:02.120 --> 0:01:04.200 to you by our friends at sky Weld, where I 0:01:04.319 --> 0:01:06.840 get the absolute privilege of sitting down with one of 0:01:06.880 --> 0:01:10.080 our incredible shees on the Money community members and talking 0:01:10.160 --> 0:01:13.040 to them all about their journey. Let's jump straight into it, 0:01:13.200 --> 0:01:15.720 because this week I got a message and it sounded 0:01:16.160 --> 0:01:19.960 exactly like this. Hi Victoria, I'm thirty one, a nurse 0:01:20.319 --> 0:01:23.280 and a single mum, which wasn't exactly part of the plan. 0:01:23.840 --> 0:01:27.679 At thirty, I unexpectedly felt pregnant while working seventy hour 0:01:27.760 --> 0:01:32.080 weeks across multiple jobs. Money wasn't the problem, but everything 0:01:32.200 --> 0:01:35.880 else suddenly was. Overnight. I had to stop just earning 0:01:35.959 --> 0:01:40.440 money and start being intentional, budgeting, planning, building a safety 0:01:40.520 --> 0:01:42.680 net and figuring out how I can do this on 0:01:42.760 --> 0:01:45.960 my own. It's been messy, it's been overwhelming, but it's 0:01:46.000 --> 0:01:48.600 also been the joy of my life. Also, this forced 0:01:48.640 --> 0:01:50.440 me to get really clear on what I wanted my 0:01:50.560 --> 0:01:52.880 life to look like and how I was going to 0:01:52.920 --> 0:01:55.280 build it. It might not have been the plan, but 0:01:55.400 --> 0:01:58.680 I'm really proud of where it's landed. Money Darist, Welcome 0:01:58.880 --> 0:01:59.480 to the show. 0:02:00.480 --> 0:02:01.040 Nice speaking. 0:02:01.240 --> 0:02:04.680 I'm excited now before I dive into getting to ask 0:02:04.760 --> 0:02:08.400 you about your money story, I always ask what grade 0:02:08.400 --> 0:02:10.239 would you give your money habits if I asked you 0:02:10.320 --> 0:02:12.600 to give them a grade from A through to F 0:02:12.880 --> 0:02:17.520 probably C C. All right, I like it. Let's learn 0:02:17.560 --> 0:02:20.280 it a little bit more about that money, direst, Can 0:02:20.360 --> 0:02:22.399 you give us a little bit of an insight into 0:02:22.480 --> 0:02:23.919 what your money story looks like? 0:02:24.360 --> 0:02:27.280 So I'm thirty one? Howld it? 0:02:27.639 --> 0:02:29.840 I always forget how old I am. Like the other 0:02:29.919 --> 0:02:32.079 day I told someone that I was thirty. I'm not. 0:02:32.200 --> 0:02:34.320 I'm thirty four. I'm turning thirty five this year. 0:02:34.560 --> 0:02:37.280 I was pregnant from my last birthday, So didn't I 0:02:37.280 --> 0:02:38.519 couldn't eat my favorite foods. 0:02:39.240 --> 0:02:41.600 Yeah, no, no, no, it's like COVID timing. You skipped it. 0:02:41.800 --> 0:02:46.720 Yeah, didn't happen. We never went without anything. We got 0:02:46.720 --> 0:02:50.079 to go one family holidays and it was all pretty good. 0:02:50.160 --> 0:02:53.440 I had horses from when I was eight, and they 0:02:53.480 --> 0:02:54.400 are not a cheap hobby. 0:02:54.639 --> 0:02:57.359 So I was about to say, like courses to me, 0:02:57.840 --> 0:03:01.000 and I know that this isn't accurate rich person hobby. 0:03:01.240 --> 0:03:03.320 If we didn't have horses, we'd be rich. Yep. I 0:03:03.400 --> 0:03:06.359 definitely didn't go without. But yeah, I started work when 0:03:06.400 --> 0:03:09.400 I was I think fourteen, as soon as I could. 0:03:09.560 --> 0:03:12.000 I started work because I didn't go without anything. But 0:03:12.080 --> 0:03:14.560 if I wanted anything, extra, or if I wanted a 0:03:14.600 --> 0:03:17.320 pretty rug for the horses, had to buy it myself. 0:03:17.440 --> 0:03:19.919 Yeah, okay, yep, that's fair. I feel like that's a 0:03:19.960 --> 0:03:20.440 good line. 0:03:20.639 --> 0:03:23.880 Yeah. So I worked at a clothes shop regionally in 0:03:23.960 --> 0:03:27.160 a very small town to start with just like three 0:03:27.240 --> 0:03:30.200 hours a week, and then did like babysitting and would 0:03:30.280 --> 0:03:33.079 ride horses for people, so pretty much always had a 0:03:33.120 --> 0:03:33.840 few jobs. 0:03:34.040 --> 0:03:36.640 Wait, you can ride horses for other people as a 0:03:36.720 --> 0:03:39.440 side hustle. Yes, sorry, How much do you get paid 0:03:39.520 --> 0:03:40.240 or are you paying them? 0:03:40.320 --> 0:03:40.360 Like? 0:03:40.640 --> 0:03:40.680 That? 0:03:40.800 --> 0:03:42.800 Feels like a good deal if you're a horse person. 0:03:43.040 --> 0:03:47.080 At the time, wasn't a lot. I think my pay 0:03:47.200 --> 0:03:50.000 rate at the clothes shop I worked at was like 0:03:50.160 --> 0:03:53.200 thirteen an hour when I first started, so the horse 0:03:54.040 --> 0:03:57.560 money was not a lot. I did polo grooming for 0:03:57.640 --> 0:04:01.880 a bit, so we'd go away with nine horses and 0:04:02.080 --> 0:04:04.240 five kids. I was the nanny as well. 0:04:04.400 --> 0:04:08.520 Five kids. Nanny to five kids. Yes, my goodness, that 0:04:08.640 --> 0:04:09.720 sounds like a circus. 0:04:09.920 --> 0:04:12.280 Yeah, it was a bit wild. It was fun. But 0:04:12.480 --> 0:04:14.640 for that I'd get one hundred and fifty a weekend. 0:04:15.040 --> 0:04:16.760 Not great money, but it was a good time and 0:04:16.839 --> 0:04:19.359 I got to stay nice motels and love was at 0:04:19.400 --> 0:04:22.039 the polo every weekend, so it wasn't too bad. 0:04:22.279 --> 0:04:24.400 That is quite cool And if you're a horse person, 0:04:24.600 --> 0:04:26.359 that just feels like a good sitch. 0:04:26.600 --> 0:04:28.480 Yeah, And I was in high school, so I was 0:04:29.480 --> 0:04:31.040 away every weekend. 0:04:31.160 --> 0:04:34.280 So moving away from horses And like your first job 0:04:34.839 --> 0:04:36.960 growing up, what did you want to become? Like, did 0:04:37.000 --> 0:04:38.840 you go to UNI? Did you finish? Like what was 0:04:38.920 --> 0:04:39.520 the plan there? 0:04:39.680 --> 0:04:42.680 I've never really had a plan for a little bit. 0:04:42.760 --> 0:04:45.600 I wanted to be a heart surgeon and then I 0:04:45.680 --> 0:04:48.760 spoke to one and it was twenty years of studies. 0:04:48.760 --> 0:04:49.480 Isn't that crazy? 0:04:49.760 --> 0:04:52.160 So that put me off real quick. I was like, 0:04:52.240 --> 0:04:54.719 that is not for me. So then I thought nursing. 0:04:55.440 --> 0:04:59.120 I did my aion certificate through school, so once I 0:04:59.160 --> 0:05:03.440 finished school, I started that job and did that for 0:05:04.480 --> 0:05:07.880 nearly a year, and then I moved again and started 0:05:08.000 --> 0:05:10.680 UNI to do my RNs and got halfway through, but 0:05:10.760 --> 0:05:14.520 didn't love UNI and had three jobs which were paying, 0:05:14.680 --> 0:05:18.039 so I ended up leaving and I bought my first property. 0:05:18.200 --> 0:05:20.600 And in between all of that, you have had a 0:05:20.680 --> 0:05:23.520 baby as well, and you're a single mom, So like, 0:05:24.120 --> 0:05:26.080 I feel like we need to extrapolate that out a 0:05:26.160 --> 0:05:27.680 little bit because you're like, oh yeah, and like I 0:05:27.720 --> 0:05:29.520 did noticing that I bought a block of land and 0:05:29.560 --> 0:05:31.320 a lot of people are going to think, okay, that's 0:05:31.360 --> 0:05:34.400 a pretty linear journey. No, sorry, there's there's a baby 0:05:34.440 --> 0:05:37.120 in the mix, there's single mumm in the list. Tell 0:05:37.160 --> 0:05:39.760 me a little bit more about that, Like let's speed 0:05:39.880 --> 0:05:42.679 back up and kind of come into adulthood. So you're thirty, 0:05:42.720 --> 0:05:45.080 you're foll pregnant. It was a surprise. 0:05:45.680 --> 0:05:49.279 Yes, the doctors told me I would not have a baby. 0:05:49.839 --> 0:05:54.120 I've got fairly bad pcos, so I just didn't think 0:05:54.160 --> 0:05:56.280 it was an option. And I had ex's in the 0:05:56.360 --> 0:05:59.120 past and we'd tried and it hadn't happened, So I 0:05:59.480 --> 0:06:02.520 wasn't then very careful. It's living my best single life 0:06:02.760 --> 0:06:05.279 and I was meant to have this baby. 0:06:05.760 --> 0:06:08.880 Was that exciting or was that overwhelming? Like I have 0:06:09.080 --> 0:06:10.960 not been in the position where I found out I 0:06:11.080 --> 0:06:14.000 was pregnant without planning it, And even when I found 0:06:14.000 --> 0:06:16.840 out I was pregnant after planning it and desperately wanting it, 0:06:17.120 --> 0:06:19.640 there was this like overwhelming sense of oh no, what 0:06:19.720 --> 0:06:22.120 have I done? This is a very adult decision, Like 0:06:22.320 --> 0:06:24.120 I'm just a baby, What is going on? 0:06:24.440 --> 0:06:24.640 Yeah. 0:06:24.760 --> 0:06:26.920 What does it feel like finding out you're pregnant when 0:06:26.960 --> 0:06:29.640 you're single and you didn't think that you could get pregnant. 0:06:30.000 --> 0:06:33.360 I work night shifts. I was really hungry that night 0:06:33.400 --> 0:06:35.560 at work, and my friend was like, you're pregnant. And 0:06:35.640 --> 0:06:38.080 I was like, no, no, no, like I'm not late. 0:06:39.120 --> 0:06:41.800 I would normally go like twelve weeks between periods and 0:06:41.880 --> 0:06:44.920 that was normal, and I was only I think nine weeks. Yeah, okay, 0:06:45.040 --> 0:06:46.800 And I was like, no, it's fine, Like this is 0:06:46.960 --> 0:06:50.520 I'm always hungry just before my period. She's like, no, no, no, 0:06:50.560 --> 0:06:52.560 you're pregnant. And then just as I was about to 0:06:52.600 --> 0:06:56.440 do handover, I wanted to throw up, which I never do. 0:06:56.960 --> 0:06:58.520 I never feel sick in the morning. So I went 0:06:58.600 --> 0:07:01.280 home and took a test. Positive, and I was like, 0:07:01.400 --> 0:07:03.840 this is how did she know? I think she just 0:07:03.960 --> 0:07:05.640 wanted to not be the only one with a kid. 0:07:06.480 --> 0:07:08.720 She's like a manifesting her pregnancy for you. 0:07:08.920 --> 0:07:10.960 Yeah. So I got home, took the test, it was positive, 0:07:11.280 --> 0:07:13.400 panicked for a minute, and then I just went to bed. 0:07:13.440 --> 0:07:15.560 I was like, this is a problem for work tonight. 0:07:16.120 --> 0:07:18.160 I love that, and You're like, you know what, I'm 0:07:18.240 --> 0:07:20.440 not dealing with this I'm going to sleep and I 0:07:20.480 --> 0:07:23.200 will deal with this another time. Yeap, My goodness. 0:07:23.440 --> 0:07:26.240 So I woke up, went to work, and then just 0:07:26.400 --> 0:07:27.640 spiraled a little. 0:07:27.440 --> 0:07:30.880 Bit, as you would, because that wasn't part of the plan. No, 0:07:31.600 --> 0:07:33.800 And how pregnant were you when you found out? 0:07:34.040 --> 0:07:37.200 I found out on the Thursday and managed to get 0:07:37.240 --> 0:07:40.559 in on the Tuesday and they did a scan even 0:07:40.640 --> 0:07:42.160 so I think I was five weeks. 0:07:42.320 --> 0:07:45.680 That's so exciting. I mean, I think that's so exciting. 0:07:45.960 --> 0:07:48.480 But what does it look like when you're single, You know, 0:07:48.640 --> 0:07:51.400 you're a nurse, you're doing night shift. Like the lifestyle 0:07:51.480 --> 0:07:54.520 that you were leading obviously is very different to then 0:07:54.560 --> 0:07:57.680 finding out, Hey, so in like approximately nine months you're 0:07:57.680 --> 0:08:00.960 going to have a newborn. What was the shift that 0:08:01.200 --> 0:08:01.920 happened there? 0:08:02.280 --> 0:08:05.240 I was just so unsure about everything. I spoke to 0:08:05.320 --> 0:08:07.800 my best friend and she was like, no, you'll be fine, 0:08:07.920 --> 0:08:10.680 Like it's great. She didn't tell me straight away, but 0:08:10.800 --> 0:08:12.320 she was pregnant at the same time. 0:08:12.520 --> 0:08:13.760 God, how exciting. 0:08:14.000 --> 0:08:16.840 But I didn't find out for probably another month that 0:08:17.000 --> 0:08:18.880 she was pregnant. She didn't tell me for a while. 0:08:19.200 --> 0:08:21.000 I had a feeling she was, though, Yeah, but you. 0:08:21.080 --> 0:08:23.040 Never want to be the person that asks. I was 0:08:23.120 --> 0:08:25.000 the same with my best friend. I remember she came 0:08:25.040 --> 0:08:28.559 over to my house and I was thinking, there's something different, 0:08:28.600 --> 0:08:30.760 there's something different, like I can feel the vibe is 0:08:30.840 --> 0:08:31.760 off because it was. 0:08:31.960 --> 0:08:35.319 Just after New Year's and she wasn't drinking, and I 0:08:35.440 --> 0:08:37.560 was like, I bet. But then I knew she'd been 0:08:37.600 --> 0:08:39.920 trying for a while, or she'd been trying since August, 0:08:40.040 --> 0:08:42.160 and I was like, well, maybe she's just been healthy. 0:08:42.440 --> 0:08:45.400 But yeah, and I was just so unsure because it 0:08:45.520 --> 0:08:48.559 had just been the festive season and I didn't know 0:08:48.640 --> 0:08:50.480 I was pregnant, so I was eating all the things 0:08:50.520 --> 0:08:53.760 you shouldn't eat. I worked over Christmas, but I never 0:08:53.840 --> 0:08:56.839 worked for New Years, and I do all my drinking 0:08:56.920 --> 0:08:58.880 for the year on New Years. I just make up 0:08:58.920 --> 0:09:03.280 for it, right, Okay, Yeah, it's horrible timing, just lifestyle wise, 0:09:03.679 --> 0:09:07.719 but yet decided that she was meant to be here, 0:09:08.400 --> 0:09:10.079 so cut out the caffeine. And I was living on 0:09:10.200 --> 0:09:13.480 free workout because I work so much, so I cut 0:09:13.559 --> 0:09:17.400 out the caffeine and yeah, just got healthy. I guess. 0:09:17.720 --> 0:09:20.720 I love that. And on the financial side, like taking 0:09:20.840 --> 0:09:24.079 on the responsibility of becoming a mum and you're a 0:09:24.160 --> 0:09:27.680 single mum. So finding out you're pregnant, you were like, okay, cool, 0:09:27.760 --> 0:09:29.719 So the dad's not going to be part of this. 0:09:30.559 --> 0:09:33.200 That's a big financial responsibility. Can you tell me about 0:09:33.200 --> 0:09:35.720 the financial situation you were in when you found this out? 0:09:36.080 --> 0:09:40.559 My income was pretty good. I had three jobs. I 0:09:40.679 --> 0:09:42.720 was working about seventy hours a week. 0:09:42.880 --> 0:09:43.560 My goodness. 0:09:44.040 --> 0:09:47.400 The money coming in was not the problem. I had 0:09:47.760 --> 0:09:51.839 pretty much brand new house, had five acres for the horses, like, 0:09:51.960 --> 0:09:53.840 everything was set up. I just got it set up 0:09:53.880 --> 0:09:56.240 how I wanted it. I had a spa, and yeah, 0:09:56.240 --> 0:09:58.760 I had three jobs, so the money coming in was fine. 0:09:58.960 --> 0:10:02.280 But I had a huge mortgage and a car loan 0:10:02.360 --> 0:10:04.880 and a personal loan, so that made me anxious. 0:10:05.280 --> 0:10:08.400 Yes, what is your specific job and how much money 0:10:08.480 --> 0:10:09.000 do you earn? 0:10:09.280 --> 0:10:13.120 So I'm an assistant in nursing, working age care and 0:10:13.280 --> 0:10:18.680 at a hospital, and I also do bartending shifts every 0:10:18.760 --> 0:10:19.199 now and then. 0:10:19.400 --> 0:10:22.680 Okay, queen, And you said before that takes like, what's 0:10:22.720 --> 0:10:25.640 seventy hours a week or it was taking seventy hours 0:10:25.640 --> 0:10:25.920 a week. 0:10:26.080 --> 0:10:29.080 It was, so I was working seven nights a week 0:10:29.360 --> 0:10:34.000 and then I'd do two evenings at the pub and 0:10:34.120 --> 0:10:36.120 then I'd go get changed and go to the next 0:10:36.240 --> 0:10:39.320 job and do the night shift, and normally at least 0:10:39.320 --> 0:10:41.560 once a fortnight, I'd try and do a double shift 0:10:41.760 --> 0:10:44.800 at the aged care place that I work at, just 0:10:44.800 --> 0:10:47.000 because the overtime was very nice. 0:10:47.520 --> 0:10:50.559 So good. Yeah, Now tell me you were single, so 0:10:51.040 --> 0:10:55.400 you didn't have any real financial responsibilities. What possesses someone 0:10:55.440 --> 0:10:57.959 who's single to work seventy hours a week, like, will 0:10:58.000 --> 0:11:00.480 be building wealth, will be trying to retire to to morrow? 0:11:00.640 --> 0:11:03.199 Like what we just like work? What's going on? 0:11:03.720 --> 0:11:06.960 So I had a really big mortgage. I went through 0:11:07.520 --> 0:11:11.079 a financially messy breakup nearly three years ago. Yeah, so 0:11:11.200 --> 0:11:14.520 I had to buy my land back from him, which 0:11:14.640 --> 0:11:17.280 was great. So yeah, that added a lot to the mortgage. 0:11:17.480 --> 0:11:20.040 So reflecting on this, you've got three jobs. What were 0:11:20.080 --> 0:11:22.920 you earning between the three jobs? I think it was 0:11:23.080 --> 0:11:25.520 about two grand a week? 0:11:25.640 --> 0:11:29.280 So two grand a week like post tax, Yes, my goodness. 0:11:29.480 --> 0:11:32.200 And then you know what happens when you find out 0:11:32.200 --> 0:11:34.199 you're pregnant, Like you said that you felt kind of 0:11:34.320 --> 0:11:37.840 nauseous at your shift at the hospital. Did that become 0:11:37.880 --> 0:11:39.880 a thing that meant you had to pull back sooner 0:11:40.000 --> 0:11:42.560 than you thought you would, or were you Okay, how 0:11:42.640 --> 0:11:43.240 did that work? 0:11:43.360 --> 0:11:47.880 I only felt sick that one time, and then probably 0:11:47.920 --> 0:11:50.480 a few weeks later, I was only nauseous when I 0:11:50.600 --> 0:11:53.439 was hungry. Okay, I manifest that for everybody, so I 0:11:53.480 --> 0:11:55.760 didn't really have morning sickness. But I just had to 0:11:55.840 --> 0:11:59.760 eat constantly. I was so sick of chewing. I love that, 0:12:00.040 --> 0:12:02.280 but I wish I was in that situation every time 0:12:02.360 --> 0:12:04.439 the boss came around at night, I was just eating. 0:12:04.559 --> 0:12:06.280 Well, you were building a beautiful baby. 0:12:06.480 --> 0:12:08.960 And I didn't tell anyone for a while. I told 0:12:09.120 --> 0:12:12.360 like my best work friends pretty much straight away. So 0:12:12.480 --> 0:12:15.079 when I was like six weeks and then working in 0:12:15.200 --> 0:12:18.280 health too, I didn't want to be in any infectious rooms. 0:12:18.760 --> 0:12:21.080 I only really have to had to avoid shingles. But yeah, 0:12:21.080 --> 0:12:24.480 I didn't know what to avoid medically when I was pregnant, 0:12:24.520 --> 0:12:26.079 because it was not on my mind at all. No. 0:12:26.400 --> 0:12:29.400 I had a friend who did radiology and she basically 0:12:29.520 --> 0:12:31.640 had to tell them the second she got pregnant, because 0:12:31.640 --> 0:12:35.959 obviously that's not ideal in terms of a workplace. And 0:12:36.040 --> 0:12:37.559 I was like, oh, I wonder what that looks like. 0:12:37.640 --> 0:12:39.439 Do you have to tell them immediately or can you 0:12:39.600 --> 0:12:41.760 just like drag it out as much as possible. I mean, 0:12:41.800 --> 0:12:44.200 I didn't tell the internet that I was pregnant until 0:12:44.240 --> 0:12:45.000 I'd had the baby. 0:12:45.360 --> 0:12:48.840 Yeah. Well, I wasn't going to tell anyone. And then 0:12:48.880 --> 0:12:52.719 there was a suspected shingles case at the nursing run, 0:12:52.840 --> 0:12:54.360 so I told the bosses there pretty quick. 0:12:54.400 --> 0:12:56.959 Actually, Hi, I didn't want to tell you this, but 0:12:57.280 --> 0:12:58.040 now I'm forced. 0:12:58.480 --> 0:12:59.880 Yep. And I was like, oh, can I just not 0:13:00.200 --> 0:13:02.520 go there? And I think there was a COVID outbreak 0:13:02.600 --> 0:13:05.839 at the same time in a different area, so I 0:13:05.960 --> 0:13:07.079 was like, where can I go? 0:13:07.480 --> 0:13:07.720 Yeah? 0:13:08.000 --> 0:13:10.960 What can I do to avoid this as much as possible? 0:13:11.520 --> 0:13:13.240 Yeah? And they were really good. 0:13:13.480 --> 0:13:17.080 And then fast forwarding through your pregnancy, obviously you've got 0:13:17.120 --> 0:13:18.959 to have the baby. At what stage did you go 0:13:19.160 --> 0:13:21.719 on maternity leave and what did that process and that 0:13:21.880 --> 0:13:23.920 like kind of period look like for you. 0:13:24.160 --> 0:13:27.120 So I worked as much as I could. I had 0:13:27.240 --> 0:13:31.559 three weeks off, so thirty seven weeks I think I 0:13:31.640 --> 0:13:33.720 went on leave. I went on leave a little bit 0:13:33.760 --> 0:13:36.199 earlier than I wanted to because she was breached for 0:13:36.280 --> 0:13:38.160 a little bit and then she went the right way, 0:13:38.320 --> 0:13:40.280 so the doctor said, finish up a bit early and 0:13:40.400 --> 0:13:40.839 just rest. 0:13:41.080 --> 0:13:44.079 Yeah, and then she flipped yes, so I didn't have 0:13:44.200 --> 0:13:47.280 to do the where they flipper. Oh no, see I 0:13:47.400 --> 0:13:49.640 did that and that was traumatic. Yeah. 0:13:49.760 --> 0:13:51.040 I was in there ready to do it. 0:13:51.200 --> 0:13:53.719 Ah, and she was like quick, quick, flip flip. We 0:13:53.760 --> 0:13:57.160 don't want to do it. Yeah, how stressful. Yeah. At 0:13:57.200 --> 0:13:59.960 thirty seven weeks, I had to go and get Cami flip. 0:14:00.520 --> 0:14:03.080 And then I was so excited that she'd flipped back 0:14:03.120 --> 0:14:05.200 because this was my second baby and I was really 0:14:05.280 --> 0:14:07.160 hoping to have a vback birth and it was all 0:14:07.600 --> 0:14:11.280 really good. They flipped her and I instant relief, Like, 0:14:11.320 --> 0:14:14.880 because it was quite uncomfortable, you were probably feeling the same. Ye, 0:14:15.080 --> 0:14:17.439 get home, go to bed. So excited. The next day 0:14:17.679 --> 0:14:20.400 I felt her and she flipped straight back into breach 0:14:20.480 --> 0:14:23.440 and was like no, no, no, I was come for here, thanks, oh, 0:14:23.760 --> 0:14:27.560 which was so rude. And so I thought, oh my gosh, 0:14:27.600 --> 0:14:29.720 I'm going to end up having a planned caza because 0:14:29.800 --> 0:14:32.960 like having a breach baby, obviously that's what they kind 0:14:33.000 --> 0:14:36.760 of recommend. And then a week later she decided no, actually, mom, 0:14:36.800 --> 0:14:39.400 I'm gonna flip back again. And it was the most 0:14:39.560 --> 0:14:42.920 demonic thing I've seen in my entire life. When people say, 0:14:43.120 --> 0:14:45.280 how did you know she flipped. I was like, babe, 0:14:45.520 --> 0:14:46.000 you just. 0:14:46.160 --> 0:14:49.800 Know I didn't know how well. I just hadn't been 0:14:49.840 --> 0:14:53.800 pregnant before and she was always so active. Yeah, okay, 0:14:53.840 --> 0:14:55.880 and I just had nothing to compare it to. I 0:14:56.040 --> 0:14:59.920 was uncomfortable anyway, so yeah, I just had no idea. 0:15:00.040 --> 0:15:02.080 I think because I'm so short, she had to do 0:15:02.320 --> 0:15:05.280 arms and legs out the side and like basically like 0:15:05.480 --> 0:15:07.920 I watched it and it was vile. And I said 0:15:07.920 --> 0:15:10.280 to my husband after I said, I feel nauseous, and 0:15:10.320 --> 0:15:12.040 he's like, oh, do you want like some medication. I 0:15:12.160 --> 0:15:14.480 was like, no, no, no, like, I feel nauseous because 0:15:14.520 --> 0:15:17.200 I just watched that and it happened in my own body. 0:15:17.080 --> 0:15:20.880 And oh, ignorance is bliss. I didn't have a birth plan. 0:15:21.480 --> 0:15:24.560 I think that's what got me through. I had pelvic 0:15:24.840 --> 0:15:28.840 girdle pain pretty bad, so from about twenty I think 0:15:28.880 --> 0:15:31.720 that started at twenty six weeks. So from then on, 0:15:31.840 --> 0:15:34.400 I didn't do any double shifts because it was just 0:15:34.680 --> 0:15:38.000 I couldn't walk. But I was still trying to do 0:15:38.120 --> 0:15:40.680 the seven nights a week just to keep paying the 0:15:40.720 --> 0:15:42.640 bills because I hadn't moved at that point, and the 0:15:42.720 --> 0:15:45.880 mortgage at the time was I think eleven hundred a week. 0:15:46.040 --> 0:15:47.760 That's a lot, and I still had to work. I 0:15:47.840 --> 0:15:50.880 put the house up for sale I think in June, 0:15:51.400 --> 0:15:55.040 and it sold just before I went on leave. Yeah, okay, 0:15:55.200 --> 0:15:59.000 so I moved past thirty four weeks pregnant and was single. 0:15:59.200 --> 0:16:01.320 So doing it on your your own and was still 0:16:01.440 --> 0:16:04.920 worth Oh my goodness, you are a weapon. I love this. 0:16:05.360 --> 0:16:08.080 So you've moved house, you've settled down, You've made some 0:16:08.280 --> 0:16:11.160 really big money decisions because you've decided, all right, this 0:16:11.280 --> 0:16:13.080 baby is meant to be here. I'm meant to be 0:16:13.120 --> 0:16:16.280 a mom. I'm so excited for this. You've, you know, 0:16:16.680 --> 0:16:19.960 moved heaven and earth literally and you're still working like 0:16:20.280 --> 0:16:22.720 seven days a week, which, by the way, that's low 0:16:22.800 --> 0:16:25.160 key psychotic. I love it. I respect it, but that's 0:16:25.240 --> 0:16:29.000 a lot. Tell me, what now are your big money goals? 0:16:29.040 --> 0:16:31.120 What are you currently working towards just. 0:16:31.160 --> 0:16:35.000 Being able to not work as much. At the moment, 0:16:35.040 --> 0:16:38.600 I'm working five nights a week, got mom here helping, 0:16:38.880 --> 0:16:42.320 oh lovely to watch her overnight that she's on a 0:16:42.400 --> 0:16:46.400 waiting list for surgery. So the days are a bit tricky. Yeah, 0:16:46.400 --> 0:16:49.400 because my baby's so active, and. 0:16:49.640 --> 0:16:50.720 How old is your baby? 0:16:50.800 --> 0:16:52.440 Now nearly seven months. 0:16:52.480 --> 0:16:53.800 And when did you go back to work? 0:16:54.000 --> 0:16:55.400 About a month ago? Yeah? 0:16:55.440 --> 0:16:57.040 Okay, And how is that going? 0:16:57.560 --> 0:17:01.400 Work? Itself? Is good? Yeah, because she sleeps at night, 0:17:01.520 --> 0:17:03.520 so I don't feel like I'm missing anything. But yeah, 0:17:03.600 --> 0:17:06.480 during the days tricky. And then finding the balance with 0:17:07.800 --> 0:17:10.080 mum not being in too much pain and me getting 0:17:10.160 --> 0:17:13.840 enough sleep that's a bit harder. And I also have 0:17:14.040 --> 0:17:14.800 ten pets. 0:17:15.000 --> 0:17:17.320 Ten pets. Sorry, why didn't you tell me about this 0:17:17.480 --> 0:17:20.520 to begin with? Tell me what are your ten pets? 0:17:20.880 --> 0:17:25.560 So I've got four horses, one sheep, and two dogs 0:17:25.640 --> 0:17:26.480 and three rabbits. 0:17:26.760 --> 0:17:29.160 Oh my goodness, I love that. But that would cost 0:17:29.240 --> 0:17:32.160 you a lot of money per month to feed them. Yeah, 0:17:32.200 --> 0:17:34.640 what does that budget look like at the moment. 0:17:34.680 --> 0:17:38.520 It's not too bad because I've bought ten acres with 0:17:38.640 --> 0:17:39.480 a lot of feed on it. 0:17:39.600 --> 0:17:40.320 Oh my goodness. 0:17:40.640 --> 0:17:42.960 So I'm only feeding one horse at the moment and 0:17:43.040 --> 0:17:43.520 the rabbits. 0:17:43.600 --> 0:17:46.000 Yeah, okay, and tell me a bit more. I know 0:17:46.119 --> 0:17:48.040 that you live regionally. I don't want to know where 0:17:48.160 --> 0:17:50.720 you live, but I want to know what does ten 0:17:50.920 --> 0:17:55.160 acres cost where you are? Because I feel like saying 0:17:55.240 --> 0:17:58.239 I bought ten acres in my suburb that's never going 0:17:58.280 --> 0:18:01.320 to be financially possible. What does that cost and what 0:18:01.400 --> 0:18:02.159 does that look like? 0:18:02.600 --> 0:18:05.960 It cost me four hundred and twenty thousand, and I'm 0:18:06.160 --> 0:18:09.920 very I'm basically I think it's like a two kilometer walk, 0:18:09.920 --> 0:18:12.400 oh my goodness, not that I do walk, but from 0:18:12.480 --> 0:18:15.240 the block to the small town I live in. It's 0:18:15.280 --> 0:18:18.800 got like a food works, a pub, it's got everything 0:18:18.880 --> 0:18:21.879 you need, but not a lot. And then it's about 0:18:22.240 --> 0:18:26.520 fifty kilometers to the main town where I work. 0:18:26.720 --> 0:18:29.520 And yeah, yeah, okay, how cool is that? All Right, 0:18:29.720 --> 0:18:31.159 We're going to take a really quick break, and on 0:18:31.240 --> 0:18:33.320 the flip side, I want to dive into what your 0:18:33.400 --> 0:18:36.560 debt looks like or what you're doing for investments, and 0:18:36.640 --> 0:18:38.200 then I want to talk about your best and worst 0:18:38.200 --> 0:18:40.560 money habits because I feel like we can learn a 0:18:40.600 --> 0:18:46.840