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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,

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Speaker 2: and joining me for another shotback money Diary is Victoria Divine.

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Speaker 3: Welcome. Hello, Tony Lodge.

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Speaker 4: How are you going?

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Speaker 3: I'm pretty good. I'm excited for another money Diary. And

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Speaker 3: I might have overheard you saying that this was a

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Speaker 3: good ee to Jess and that she'd had like thirty

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Speaker 3: jobs or something, but that is as far as I got.

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Speaker 3: Tony read out the email for me. I am very ready.

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Speaker 2: All right, here we go. From the age of fourteen

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Speaker 2: and nine months, I got a job. I've had over

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Speaker 2: thirty usual and part time job since then, just to

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Speaker 2: keep myself afloat thirty. My parents divorced when I was

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Speaker 2: in year twelve. Their money story was not a positive experience.

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Speaker 2: Dad made some dodgy deals, got mom to sign things

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Speaker 2: she shouldn't have, went bankrupt, use mums super to get

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Speaker 2: them out of it, sold our family house and broke

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Speaker 2: up our family.

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Speaker 3: What I know, it keeps going. Hang on right right,

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Speaker 3: I'm sitting down.

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Speaker 2: I moved in with Mum and my brothers and had

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Speaker 2: to work to be able to live as mum couldn't

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Speaker 2: afford to help us. I changed my mind about which

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Speaker 2: unicorse to undertake three times until I finally found the

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Speaker 2: one for me, and I've now been working full time

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Speaker 2: as a primary school teacher for three years.

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Speaker 3: Oh okay, crap.

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Speaker 2: I bought a brand new car on a loan in

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Speaker 2: my first year of teaching and got approved for a mortgage.

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Speaker 4: With my partner in my second year.

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Speaker 2: I've never had savings and have spent every dollar I

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Speaker 2: earned until now. I just hit two thousand dollars in

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Speaker 2: my emergency fund. Yes, tutor students after work as my

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Speaker 2: side hustle, and my partner and I have increased our

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Speaker 2: mortgageory payments to pay off our loan even faster. I've

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Speaker 2: never felt empowered and in control of my money. And

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Speaker 2: what a feeling that is. Thanks to Shoes on the

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Speaker 2: Money for all the help and guidance in helping people

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Speaker 2: see the light at the end of the tunnel.

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Speaker 3: Oh my heart, what a cool money story.

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Speaker 2: And we've got a money diarist on the line, of

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Speaker 2: course a lot of course.

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Speaker 4: We do money diarist.

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Speaker 3: How did you feel listening back to your own story

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Speaker 3: being read out by Tony.

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Speaker 5: My heart's racing a little bit, So I think writing

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Speaker 5: it down is one thing, but then having someone else

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Speaker 5: tell it back to you, you're like, oh.

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Speaker 4: That happened, and that happened.

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Speaker 5: Oh, like I just feels like it is a lot,

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Speaker 5: but yes, steps by step, I guess.

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Speaker 3: Would you like, Wow, she's really cool, She's achieved a

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Speaker 3: whole heap, because that's exactly what I was thinking, well

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Speaker 3: listening to that, like, your story is f hic. I've

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Speaker 3: gone through all of that, to go to UNI, to

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Speaker 3: get through UNI, to be a professional, to have a mortgage, Like,

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Speaker 3: all of those things are milestones that a lot of people,

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Speaker 3: having gone through similar situations, are still going. Oh I

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Speaker 3: hope one day I'll get to that stage and you're

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Speaker 3: just smashing goals left, right and center.

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Speaker 5: Yeah, it feels crazy because honestly, it feels like such

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Speaker 5: a blur that whole time. But I guess when you

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Speaker 5: say it like that and you put it like that,

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Speaker 5: yeah it sounds it sounds okay.

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Speaker 3: Very very impressive. Let's kick straight off into our money

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Speaker 3: diary questions because I want to have a chat with

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Speaker 3: you about that entire journey. A little bit later on

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Speaker 3: but money, Darius, what is your current attitude towards money?

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Speaker 5: So my attitude towards money is I would say it's

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Speaker 5: good now, but often hasn't been. So we grew up

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Speaker 5: with money on and off, but living outside, you know,

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Speaker 5: our means with my parents, so like we'd have a

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Speaker 5: big house but couldn't necessarily afford it. I went to

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Speaker 5: private school, couldn't necessarily afford it. So I think all

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Speaker 5: of that kind of was a bit confusing because there

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Speaker 5: wasn't one way to do things, and there wasn't necessarily

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Speaker 5: those learnings in place about how to use your money

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Speaker 5: and what to do with it. On all of that,

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Speaker 5: but I think, you know, for about the last ten years,

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Speaker 5: it's been tight. As I said, I was living at

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Speaker 5: home with my mom and my brothers, and I pretty

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Speaker 5: much had to pay for everything because she was a

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Speaker 5: single mum, and that's just the way it was. Living

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Speaker 5: paycheck to paycheck was really tough as well. I've spent

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Speaker 5: most of what I owned and never really saved, or

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Speaker 5: I'd have a little bit of savings and then splurge

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Speaker 5: it on the next best thing. I think I'm more

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Speaker 5: determined now to have that financial freedom at some stage

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Speaker 5: be able to have no debt, so I think I'm

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Speaker 5: really working towards that.

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Speaker 4: But it's a lot better now than it has been.

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Speaker 3: Oh good. I feel like you've got clarity on where

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Speaker 3: you're going and what you want to get up to,

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Speaker 3: so that is a very good thing. Money Diarist, The

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Speaker 3: next question I have for you is what do you

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Speaker 3: currently do for work? Which I think we already know,

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Speaker 3: but what do you do for work? And how much

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Speaker 3: money do you earn?

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Speaker 5: Okay, so I'm a primary school teacher and I earn

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Speaker 5: about seventy six thousand a year.

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Speaker 3: And what does your partner do, if that's not too pervy,

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Speaker 3: and how much do they earn?

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Speaker 4: That's fine. He's in construction and he's on about eighty

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Speaker 4: thousand a year.

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Speaker 3: Ah, so pretty good wicket between the two of you. Ye,

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Speaker 3: that's not bad at all, especially given you said we've

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Speaker 3: been through so much and it was a bit crazy

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Speaker 3: and now you're pretty comfortable again. Pervy questions how old

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Speaker 3: are you and your partner?

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Speaker 4: I'm twenty eight and he's twenty six.

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Speaker 3: Oh so you're like actual babies and you've already got

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Speaker 3: a mortgage and you got everything sorted and you're complete professionals. Okay,

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Speaker 3: all right, I'll stop asking questions. Then, money Diarist, what

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Speaker 3: is your big money goal at the moment?

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Speaker 5: Well, it was to hit my emergency fund and I

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Speaker 5: did that last week, so that's super exciting. So there's

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Speaker 5: two thousand dollars in there now that we're just sitting there.

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Speaker 4: Thank you for.

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Speaker 3: Whenever ready to make you feel comfortable.

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Speaker 5: Amazing even just having that and that was my goal

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Speaker 5: and ticking it off to go, oh like everything just

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Speaker 5: feels lighter.

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Speaker 4: So that was awesome.

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Speaker 5: That was one of my goals and that was awesome

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Speaker 5: to hear as a few things at the moment. So

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Speaker 5: because we have the mortgage, as I said in the bio,

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Speaker 5: like we've made extra payments towards paying it off quicker,

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Speaker 5: so that was part of our goals. I want to

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Speaker 5: start building up my savings now as well to have

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Speaker 5: that as our next thing.

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Speaker 4: And just making extra contributions to super would be my.

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Speaker 5: Goal as well, just because I feel like that's the

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Speaker 5: next step, that's the next thing to do.

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Speaker 3: Yeah, awesome, I feel like you're on the right track.

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Speaker 3: Like this just feels like such a positive story of

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Speaker 3: we've cut our teeth, ourselves and we're on the right track,

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Speaker 3: and you know, five years from now, we're going to

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Speaker 3: be super successful.

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Speaker 4: I love this, he's hoping.

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Speaker 3: I'm totally on board with that. So tell me about

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Speaker 3: your investments.

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Speaker 5: So if you yes, including Sofa super, but no otherwise.

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Speaker 5: So I really wanted to pay down my car loan debt,

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Speaker 5: which has just gotten to two thousand dollars dollars ohing.

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Speaker 5: So I started that loan at thirty six K three

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Speaker 5: years ago. So I just wanted to smash that out. Whoa.

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Speaker 5: And that's why I haven't really invested yet because I

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Speaker 5: wanted to pay down my debts straight away. And it

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Speaker 5: was funny because the car dealership tried to sell me

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Speaker 5: a five or a seven year loan.

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Speaker 4: Oh it's only a little bit each month.

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Speaker 5: Blah blah blah, and I thought, no, that's more interest.

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Speaker 5: That means I'm paying it off longer. Yes, I went

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Speaker 5: with a three year loan and I'm almost done. So

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Speaker 5: that's another goal that's almost been here and the next

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Speaker 5: year will be out like investing focus.

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Speaker 3: Oh congrats, so you haven't got much left on there.

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Speaker 3: I feel like that was such a savvy decision by you,

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Speaker 3: because you're right. They would have just been making more

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Speaker 3: money in interest and delaying the inevitable of having to

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Speaker 3: pay it back anyway. The next question, obviously you mentioned

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Speaker 3: your car loan, but do you have any other the debts.

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Speaker 5: Yeah, I've got my hex debt which is just which

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Speaker 5: is good debt, so you know he'll classify that as debt,

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Speaker 5: but it's good and just the mortgage.

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Speaker 3: Yes, awesome. And do you do shot back when you're

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Speaker 3: shopping online money dost?

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Speaker 4: Of course I do. Shot back is awesome.

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Speaker 3: I was like, what do you mean You're looking at

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Speaker 3: me like that, like if I asked a silly question

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Speaker 3: and you're like, of course, she's a true she's on

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Speaker 3: the money, Tony.

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Speaker 5: If I can buy something online, I'm always like quickly

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Speaker 5: looking for the shot back, just to see if it's

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Speaker 5: gonna help, because it's amazing the amount that you get

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Speaker 5: back nice in your account, Like it's like a little

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Speaker 5: future win.

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Speaker 3: Literally, And the idea that you can just pull the

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Speaker 3: money out like and have it as real money like that,

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Speaker 3: just to me is an epic win. I feel like

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Speaker 3: I used to be super skeptical of it, but now

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Speaker 3: I've been using it consistently since Tony told me all

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Speaker 3: about how you could do the extension on your Chrome,

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Speaker 3: and I was like, what, Yeah, Tony, I just clicked

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Speaker 3: on it. I have seventy six dollars in my shop

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Speaker 3: back account right now. I think I'm doing pretty well.

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Speaker 4: That's awesome.

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Speaker 5: The extension actually uninstalled for me a couple of weeks ago,

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Speaker 5: and I purchased something and I was like, I.

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Speaker 4: Didn't get the email notification. What happened? So I had

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Speaker 4: to go back and make sure it was very installed.

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Speaker 4: Slight delay, but it's okay, we worked it out.

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Speaker 3: Rude, Well, I'm glad that you went and got that

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Speaker 3: back because that's very important. It is. Next next question

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Speaker 3: I've got for you. Maybe it's shot back. I don't

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Speaker 3: know what's your best money have it.

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Speaker 4: I think there's a few.

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Speaker 5: So with the emergency fund, like the more I was saving,

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Speaker 5: the more I wanted to save, Like seeing that money

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Speaker 5: go up was so it was just like it was.

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Speaker 3: A really good feeling.

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Speaker 5: Yeah, for sure, So I think I'm good when I've

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Speaker 5: got a goal. I kind of see like two versions

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Speaker 5: of myself. I either see myself like really on track,

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Speaker 5: which is like selling things. I don't you know, I

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Speaker 5: no longer need you know, being really conscious about buying

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Speaker 5: coffees and spending out and sticking to a budget and

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Speaker 5: not using enough to pay in all of those things.

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Speaker 4: So when I'm in that mindset, that's awesome.

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Speaker 5: So I'm just like ticking off things I need to

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Speaker 5: do and just making sure that you know, I'm living

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Speaker 5: within my means. And one thing I've always said to

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Speaker 5: my friends was if I'm ever indecisive about something, like

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Speaker 5: I'm not one hundred percent sure about a purchase, that

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Speaker 5: is my decision to say no.

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Speaker 4: Like, if I'm not one hundred percent all in, it's

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Speaker 4: a no. And that has worked so well.

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Speaker 3: Oh my gosh, we're so on the same page.

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Speaker 4: Yeah, totally.

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Speaker 5: It just makes me makes my decisions so much easier.

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Speaker 5: If I'm not all in, it's a no. So that's

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Speaker 5: really helped my good money happen.

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Speaker 3: Oh my gosh. My partner and I say that. Actually,

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Speaker 3: we always say if it's not a hell yes, it's

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Speaker 3: a hell no. And that really helps us make decisions

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Speaker 3: around whether do you want to go out for dinner?

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Speaker 3: I'm like, oh, yeah, maybe no. Is it a hell

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Speaker 3: yes no? Okay, well we're not going? Like I feel

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Speaker 3: like it really helps, like if we're not excited about it,

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Speaker 3: like why are we put money towards it? It doesn't

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Speaker 3: make sense for sure for sure money darist to ask

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Speaker 3: the exact opposite question, what is your worst money habit?

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Speaker 4: Oh, I have a treat yourself mentality which is really

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Speaker 4: hard to kick.

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Speaker 5: So, you know, I can sometimes be quite impulsive in

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Speaker 5: my purchases, like I'll see something pop up my Instagram,

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Speaker 5: but oh, awesome, straight away purchase, they're here, you know,

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Speaker 5: get to live it or whatever. So that's something I'm

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Speaker 5: trying to rain in. And you know, that treat yourself

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Speaker 5: mentality of like oh I deserve it, I've had a

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Speaker 5: big week at work, or I've hit two K my

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Speaker 5: emergency fund or you know whatever it is. That sometimes

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Speaker 5: is my worst enemy because.

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Speaker 4: I just can't run that in. So that's what I'm

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Speaker 4: working on at the moment.

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Speaker 5: But that would be probably my worst money habit is

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Speaker 5: that just the no filter, just go for it, deal

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Speaker 5: with the consequences.

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Speaker 3: Yeah, have you made any naughty decisions? I know you

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Speaker 3: said that you just hit your two thousand dollars goal

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Speaker 3: in your emergency fund, and then you also said when

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Speaker 3: I hit a goal like that, I treat myself. Has

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Speaker 3: there been any cheeky purchases over the last week Money Diarist.

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Speaker 5: Well, no, because we've just come out of lockdown in

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Speaker 5: Melbourne and I want to wait till the shops open

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Speaker 5: because I have ordered things online over the last few weeks.

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Speaker 4: And they still haven't come, which is probably like a

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Speaker 4: bit of calm I coming back. It me like you

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Speaker 4: didn't need those things.

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Speaker 3: But it was meant to be a hell no exactly.

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Speaker 4: So nothing yet, but I'll keep you posted on that one.

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Speaker 3: I feel like I've been holding out. We're also in

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Speaker 3: Melbourne and we haven't got retail back at the point

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Speaker 3: of recording, and I'm definitely holding out for that. It

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Speaker 3: actually feels so strange to think that we're going back

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Speaker 3: to quote COVID normal or whatever that is. But I'm like,

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Speaker 3: i haven't worn real office outfits for like two years.

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Speaker 3: So I'm going through my wardrobe and I'm like, I

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Speaker 3: don't love anything in here, and I mean that's quite dramatic.

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Speaker 3: I have some very beautiful clothes, but I'm like, really

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Speaker 3: just want like a new work dress or a new

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Speaker 3: pair of pants, or just something fresh. So I feel

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Speaker 3: like I'm excited to go back to the office. But

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Speaker 3: I'm also like Victoria, you have an entire wardrobe that

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Speaker 3: hasn't been worn, so you have no excuse to go

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Speaker 3: buy new stuff. So I've been quite naughty as in

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Speaker 3: mindset wise, I haven't bought anything yet. But Tony, you

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Speaker 3: just wait a couple of weeks from now, I'll be

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Speaker 3: on the Friday drinks being like, look how this massive

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Speaker 3: money was. I went to Chadston all right, money diarist.

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Speaker 3: The last question in this little segment is if I

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Speaker 3: forced you to give yourself a money grade, what would

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Speaker 3: you give yourself?

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Speaker 4: I thought about this for the last week.

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Speaker 5: I think, and I think I would say a bee.

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Speaker 4: I think I'd go a bee.

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Speaker 3: A bee? Why would you say a bee?

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Speaker 5: Because I've never seen like, I've never seen myself go

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Speaker 5: with money. I've never seen myself be able to achieve anything.

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Speaker 5: I'll get on a roll, So I feel like a

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Speaker 5: bee is a good spot to be. And I've still

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Speaker 5: got to invest. I've still got to build up some savings.

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Speaker 5: I've still got it rain in that treat yourself mentality.

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Speaker 5: So I'm going to go a bee.

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Speaker 2: All right, I'll agree to be Yeah, but you've also

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Speaker 2: come a long way from you know, like the life

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Speaker 2: that you had when you're growing up too, I think

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Speaker 2: you definitely deserve something a little bit higher so you

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Speaker 2: can show yourself like, wow, I've really taught myself good

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Speaker 2: money habits, but wanting to get better is never a bad.

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Speaker 3: Thing, Absolutely not. And I really want to talk to

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Speaker 3: you about how you grew up and how that impacted you.

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Speaker 3: After this really quick break, All right, money Diarist, let's

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Speaker 3: dive straight back in. At the start of this episode,

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Speaker 3: Tony read out your money diary that you wrote into us,

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Speaker 3: and I found it really inspirational that you've gone through.

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Speaker 3: You know, I don't want to be too dramatic and

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Speaker 3: be like, oh, such adversity, but you know, you clearly

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Speaker 3: have been through a fair bit when it comes to

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Speaker 3: finances that could have significantly impacted the way that you

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Speaker 3: interacted with money as an adult or in your relationships.

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Speaker 3: And I'd be really interested to understand from your point

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Speaker 3: of view, how did that impact you growing up and

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Speaker 3: how does that impact your money story today.

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Speaker 5: I think at the time I didn't really know that

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Speaker 5: was all I knew back then, so I think I

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Speaker 5: didn't know any different and I didn't really realize I

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Speaker 5: think probably one thing that made me realize was, you know,

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Speaker 5: as I said, I went to a private school, but

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Speaker 5: all of my friends had all these different things that

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Speaker 5: I didn't have or and I kind of went.

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Speaker 4: Oh, okay, no, that's that must be normal, you know.

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Speaker 5: And it wasn't until yeah, about eighteen nineteen that I realized, oh,

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Speaker 5: like that was that, or I didn't do that, or

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Speaker 5: I didn't have access to that, or whatever it was.

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Speaker 5: So I think I was just in the mentality that

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Speaker 5: you made money, you spent it on things. You made money,

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Speaker 5: you spent it on things. You know, if something comes up,

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Speaker 5: you'll work it out. That was kind of that was

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Speaker 5: just what I had known my whole life pretty much,

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Speaker 5: so living paycheck to paycheck though, you know, having all,

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Speaker 5: you know, as I said, so many jobs and there's

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Speaker 5: nothing really to show for it up until you know,

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Speaker 5: the last few years. That was a real eye opener,

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Speaker 5: I think, being you know, not having that savings behind you,

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Speaker 5: or having nothing behind you.

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Speaker 4: But that was what my normal was.

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Speaker 5: So I think that probably affected me up until a

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Speaker 5: few years ago where my partner and I were looking at, Okay,

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Speaker 5: we want to buy a place, we want to do this, this,

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Speaker 5: and this and you know, things had to change.

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Speaker 3: And that makes absolute sense. But money Diarist, you mentioned

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Speaker 3: before that you live with your partner, and that's really exciting,

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Speaker 3: but obviously what your mum went through was arguably pretty

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Speaker 3: financially traumatic. How does that make you approach money in

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Speaker 3: a relationship.

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Speaker 4: So at the.

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Speaker 5: Start, it was really interesting because my partner had a

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Speaker 5: very different upbringing to me, and early on, I was

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Speaker 5: very guarded, like I'd never talk about money. I'd always

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Speaker 5: be like, yeah, that's fine, let's do that, even if

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Speaker 5: I couldn't, because I didn't want him to think that,

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Speaker 5: you know, I didn't. I didn't have any backup or

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Speaker 5: you know, couldn't just live and do things. But since

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Speaker 5: we decided we wanted to buy a place and you know,

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Speaker 5: really move our lives forward, I think that we're really

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Speaker 5: open now. So we sit down and we plan our budget,

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Speaker 5: our joint spending, and that has really helped because I

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Speaker 5: feel like we both have the same approach to money,

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Speaker 5: Whereas I've never really had that even with myself, like

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Speaker 5: I've never I've always been really torn, Whereas with him,

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Speaker 5: I feel like we both you know, want the same things,

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Speaker 5: and we both worked toward the same goals. So yeah,

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Speaker 5: it's a pretty good position to be in.

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Speaker 4: Now, I think, wow, I really like that.

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Speaker 3: That's you know, that's your mentality, but also you really

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Speaker 3: know what that means, Whereas I think a lot of

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Speaker 3: people and I mean, I probably got this expectation because

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Speaker 3: you know, you're a money diarist. It's a pretty common

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Speaker 3: theme that nobody writes in and says I want to

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Speaker 3: be a money diarist without having had a bit of

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Speaker 3: experience with the shees on the money community. You might

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Speaker 3: be in the Facebook group, or you might be an

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Speaker 3: avid listener, like you've heard it all, so you're probably

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Speaker 3: a little bit more financially literate that I would say

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Speaker 3: the average Australian. So it kind of makes sense. But

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Speaker 3: so many people don't have any any conception of that.

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Speaker 3: They don't have any thought pattern around that. They move

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Speaker 3: in and they're like, oh my gosh. At some point

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Speaker 3: it hits them and they go, I haven't protected myself

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Speaker 3: in any way, shape or form. I haven't thought about this.

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Speaker 3: You know, I really loved my boyfriend, but now I'm

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Speaker 3: stressed out because I don't want to go through what

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Speaker 3: my parents went through. Are there any fail safes that

387
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Speaker 3: you're like, Nope, that's a hard no for me. I'll

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Speaker 3: never share XYZ or I'll never let them do this

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Speaker 3: for me, or is that something they're like, you know what,

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Speaker 3: I really haven't had to think about that.

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Speaker 5: I haven't really had to think about that, to be honest.

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Speaker 5: But I think growing up the way I did, and

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Speaker 5: like now being where I am, I don't really have

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Speaker 5: any of that.

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Speaker 4: I feel very like open and free about money.

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Speaker 5: Like as I said, at the start, we never talked

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Speaker 5: about it, and now we talk freely, and I think

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Speaker 5: I've learned to, you know, be able to say, oh,

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Speaker 5: actually that's not going to work this week, or can

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Speaker 5: we wait till next week, or whereas as I said,

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Speaker 5: I'd usually just make it work. So I think having

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Speaker 5: you know, I'm a lot more open with those conversations.

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Speaker 5: And Victoria, I've thrown you under the bus a few

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Speaker 5: times where I've been like I listened to this podcast

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Speaker 5: and Victoria was saying that we should do this, or

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Speaker 5: this is a really good idea, or we should look

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Speaker 5: into this, and he's like, oh, okay, yep, And he's

408
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Speaker 5: probably like, who who is this woman on a podcast

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Speaker 5: that you're getting there? Your information from this woman.

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Speaker 3: I'm so sick of her. But I tell you guys

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Speaker 3: to do that all the time. And for all your

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Speaker 3: partners to not like me, that's all right as long

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Speaker 3: as you're in a better financial position because of what

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Speaker 3: we're talking about. And if it instigates a conversation, did

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00:19:43,160 --> 00:19:45,480
Speaker 3: you find that was an easier way to approach it

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Speaker 3: instead of being like, oh, so this is this thing

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Speaker 3: I want.

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Speaker 4: One hundred percent.

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Speaker 5: It's so much easier and I feel like I'm learning

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Speaker 5: a lot more now, so then I can bring that

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Speaker 5: back to the relationship and.

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Speaker 4: Go, oh, did you know about this? And do we

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Speaker 4: have this?

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Speaker 5: And you know all those questions that pop up that

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Speaker 5: you listening to the podcast and you go, oh, hang on,

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Speaker 5: like that's me or you know, you can relate to thinks.

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Speaker 5: So it's definitely helping in that sense. But I think

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Speaker 5: the open communication has helped a lot in just being

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Speaker 5: comfortable with money.

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Speaker 3: Oh I'm so glad. But it's also note, anybody listening

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Speaker 3: to this throw me straight under a bus, be like

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Speaker 3: Victoria said, this was a not negotiable, Like, honey, what

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Speaker 3: do you think of that? Like, definitely have those conversations though,

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Speaker 3: because the more empowered we are. The more likely we

435
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Speaker 3: are to be financially free earlier, the more likely we

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Speaker 3: are to put ourselves in positions that we can get

437
00:20:36,119 --> 00:20:37,679
Speaker 3: out of if we want to get out of a

438
00:20:37,720 --> 00:20:40,959
Speaker 3: relationship or place, a space, a job, even just like

439
00:20:41,040 --> 00:20:44,000
Speaker 3: a country you want to fly home early from a holiday, Like,

440
00:20:44,280 --> 00:20:46,359
Speaker 3: I want you to be in those positions where you

441
00:20:46,520 --> 00:20:49,240
Speaker 3: don't have to second guess can I afford to make

442
00:20:49,280 --> 00:20:51,600
Speaker 3: that decision that would put me in a safer, better,

443
00:20:51,800 --> 00:20:54,840
Speaker 3: nicer position, Like we shouldn't have to second guess ourselves

444
00:20:54,920 --> 00:20:57,840
Speaker 3: because we're like, oh, that position to put me in,

445
00:20:57,880 --> 00:20:59,679
Speaker 3: that's safer, I can't afford it, so I'm not going

446
00:20:59,760 --> 00:21:02,080
Speaker 3: to do it. Like it makes me so upset to

447
00:21:02,160 --> 00:21:05,600
Speaker 3: think that that's, you know, what guides most people's decision

448
00:21:05,680 --> 00:21:08,439
Speaker 3: making process. And it makes me so happy to know

449
00:21:08,480 --> 00:21:10,760
Speaker 3: that you're not in that position and you've grown and

450
00:21:10,840 --> 00:21:13,439
Speaker 3: learned and you're you know, embracing it and throwing me

451
00:21:13,480 --> 00:21:14,720
Speaker 3: under a bus. It's really good.

452
00:21:14,960 --> 00:21:16,480
Speaker 4: Thank you.

453
00:21:16,480 --> 00:21:21,119
Speaker 3: You're welcome, Money Diarist. Completely pivoting away from that, you

454
00:21:21,160 --> 00:21:23,560
Speaker 3: can throw me under a bus however you like. But

455
00:21:24,000 --> 00:21:26,760
Speaker 3: you mentioned something at the very start of your Money

456
00:21:26,760 --> 00:21:30,320
Speaker 3: Diary that I was like no way, And that was

457
00:21:30,400 --> 00:21:35,400
Speaker 3: that you've had more than thirty casual different jobs. How

458
00:21:35,640 --> 00:21:38,520
Speaker 3: when where before you told me you were twenty eight?

459
00:21:38,600 --> 00:21:40,640
Speaker 3: How have you fit all of this in? And were

460
00:21:40,680 --> 00:21:42,720
Speaker 3: you doing all of those at the same time? Like

461
00:21:42,840 --> 00:21:43,320
Speaker 3: what is this?

462
00:21:43,880 --> 00:21:46,960
Speaker 5: So from fourteen and nine months, I walked myself into

463
00:21:46,960 --> 00:21:49,040
Speaker 5: Woollies and got a job as a checkout chick.

464
00:21:49,200 --> 00:21:51,840
Speaker 3: Yes good, which was awesome as a first job.

465
00:21:52,160 --> 00:21:56,360
Speaker 5: But then I saw another job I liked, and I thought,

466
00:21:56,359 --> 00:21:58,280
Speaker 5: I'll apply for it and I'll see, and I started

467
00:21:58,320 --> 00:22:01,240
Speaker 5: to think I can probably make both work anyway.

468
00:22:01,359 --> 00:22:03,080
Speaker 4: Years and years on, I just kind of have.

469
00:22:04,160 --> 00:22:06,480
Speaker 5: I just had lots of jobs at once, like I

470
00:22:06,520 --> 00:22:09,399
Speaker 5: think at once, I had four jobs, and it was

471
00:22:09,600 --> 00:22:12,359
Speaker 5: really interesting because I was studying to be a primary

472
00:22:12,359 --> 00:22:16,040
Speaker 5: school teacher. I could work school holiday program over the holidays.

473
00:22:16,400 --> 00:22:18,480
Speaker 5: I could work in before and after school care, which

474
00:22:18,520 --> 00:22:21,000
Speaker 5: was only like little bits of time throughout the day,

475
00:22:21,080 --> 00:22:22,760
Speaker 5: so I had the middle of the day free. I

476
00:22:22,800 --> 00:22:25,560
Speaker 5: had nights and weekends, so I kind of had the

477
00:22:25,640 --> 00:22:28,800
Speaker 5: lifestyle where I could make multiple jobs work at once

478
00:22:28,840 --> 00:22:30,960
Speaker 5: as long as they didn't clash with their times and

479
00:22:31,000 --> 00:22:33,080
Speaker 5: what they were requiring. Yeah.

480
00:22:33,320 --> 00:22:35,159
Speaker 4: But yeah, over about thirty.

481
00:22:35,200 --> 00:22:38,200
Speaker 5: I got actually wrote a list, must have been a

482
00:22:38,200 --> 00:22:40,439
Speaker 5: few years ago now, and I got to thirty and

483
00:22:40,480 --> 00:22:43,080
Speaker 5: I went, I'm sure there's more, but I can't remember

484
00:22:43,440 --> 00:22:45,240
Speaker 5: because some of them were for a month, some of

485
00:22:45,280 --> 00:22:47,359
Speaker 5: them were for a few years. Like I had a

486
00:22:47,400 --> 00:22:49,440
Speaker 5: lot of long term jobs as well over that time,

487
00:22:49,520 --> 00:22:52,640
Speaker 5: so I guess I got used to juggling a lot

488
00:22:52,640 --> 00:22:54,560
Speaker 5: of things and crazy.

489
00:22:54,720 --> 00:22:57,760
Speaker 3: Your time management must be second to none. Tell us

490
00:22:57,840 --> 00:22:59,840
Speaker 3: about the craziest job you've had.

491
00:23:00,440 --> 00:23:03,879
Speaker 5: I worked at a fish and chip shop in our

492
00:23:03,920 --> 00:23:08,440
Speaker 5: local area and I went to grab fish like out

493
00:23:08,440 --> 00:23:10,879
Speaker 5: the back once and I had gloves on, and the

494
00:23:11,160 --> 00:23:13,320
Speaker 5: arena was like, no, no, no, no, gloves. You don't

495
00:23:13,400 --> 00:23:18,240
Speaker 5: use gloves. That's too expensive. And I was like what yeah,

496
00:23:18,240 --> 00:23:21,360
Speaker 5: And I literally walked out that night. I was like,

497
00:23:21,440 --> 00:23:24,080
Speaker 5: I took my twelve dollars for my shift that I earned,

498
00:23:24,119 --> 00:23:25,639
Speaker 5: and I never went back.

499
00:23:26,760 --> 00:23:30,199
Speaker 3: Your twelve bucks, Like that's that's what the cost of

500
00:23:30,240 --> 00:23:33,160
Speaker 3: a box of gloves costs. So I can see where

501
00:23:33,160 --> 00:23:36,160
Speaker 3: he's coming from. There. That makes complete sense. Yeah, way

502
00:23:36,320 --> 00:23:37,080
Speaker 3: too expensive.

503
00:23:37,320 --> 00:23:39,560
Speaker 5: I loved all of my jobs I've had, Like I've

504
00:23:39,600 --> 00:23:43,320
Speaker 5: worked in retail, hospitality, I worked in like my best

505
00:23:43,359 --> 00:23:45,800
Speaker 5: friend's family's restaurant and you know, it feels like a

506
00:23:45,880 --> 00:23:47,920
Speaker 5: family which was which is probably one of the best

507
00:23:48,000 --> 00:23:50,760
Speaker 5: jobs I had. But even like all the Christmas casual jobs,

508
00:23:50,800 --> 00:23:53,840
Speaker 5: like you get to try different places see what you like.

509
00:23:54,560 --> 00:23:56,879
Speaker 5: So I guess I really liked that element of it

510
00:23:56,920 --> 00:23:58,439
Speaker 5: as well. And if I could make it work and

511
00:23:58,480 --> 00:24:01,560
Speaker 5: it meant that I could earn morem, that was a

512
00:24:01,560 --> 00:24:02,160
Speaker 5: win as well.

513
00:24:02,240 --> 00:24:05,359
Speaker 3: You were all over it. Oh my gosh, how cool.

514
00:24:05,720 --> 00:24:08,520
Speaker 3: And I'm sure that that's something that has really shaped

515
00:24:08,600 --> 00:24:12,120
Speaker 3: you as a person as well. Now as a teacher,

516
00:24:12,320 --> 00:24:15,240
Speaker 3: I feel like teachers have to be super time conscious

517
00:24:15,320 --> 00:24:17,920
Speaker 3: and very good at time management because there's so much

518
00:24:17,920 --> 00:24:19,640
Speaker 3: to go on. Do you think you've learned a lot

519
00:24:19,720 --> 00:24:22,000
Speaker 3: during that process that has helped you today?

520
00:24:22,640 --> 00:24:23,240
Speaker 4: Definitely.

521
00:24:23,280 --> 00:24:25,560
Speaker 5: I think I can manage all of the outside of

522
00:24:25,600 --> 00:24:30,439
Speaker 5: work activities a lot better just because I've had to manage,

523
00:24:30,480 --> 00:24:33,520
Speaker 5: you know, multiple jobs at once. So it's nice having

524
00:24:33,560 --> 00:24:35,960
Speaker 5: one boss that you answer to rather than a few.

525
00:24:37,160 --> 00:24:38,719
Speaker 5: But yeah, it's definitely helped.

526
00:24:38,800 --> 00:24:41,600
Speaker 3: Oh my gosh. And if you ever decide to not

527
00:24:41,640 --> 00:24:44,000
Speaker 3: be a primary school teacher, you can probably be a

528
00:24:44,119 --> 00:24:49,160
Speaker 3: very adept careers advisor, Like just whatever they're asking you've

529
00:24:49,160 --> 00:24:52,320
Speaker 3: probably done it. I mean, you arguably couldn't have done

530
00:24:52,400 --> 00:24:54,760
Speaker 3: brain surgery, but I'm sure you've worked in some kind

531
00:24:54,800 --> 00:24:58,120
Speaker 3: of medical field at some point at some time. It's

532
00:24:58,160 --> 00:25:00,800
Speaker 3: always like I do think that that is all we

533
00:25:00,880 --> 00:25:04,399
Speaker 3: have time for today, though, thank you so much for

534
00:25:04,520 --> 00:25:08,520
Speaker 3: joining us. Oh my gosh, thank you so Just before

535
00:25:08,520 --> 00:25:11,280
Speaker 3: we head off, we'd like to acknowledge and pay respect

536
00:25:11,359 --> 00:25:15,360
Speaker 3: to Australia's Aboriginal and Torres Strait island of peoples. They're

537
00:25:15,400 --> 00:25:18,720
Speaker 3: the traditional custodians of the lands, the waterways and the

538
00:25:18,760 --> 00:25:22,440
Speaker 3: skies all across Australia. We thank you for sharing at

539
00:25:22,440 --> 00:25:24,800
Speaker 3: the caring for the land on which we are able

540
00:25:24,880 --> 00:25:28,040
Speaker 3: to learn. We pay our respects to elders past and present,

541
00:25:28,119 --> 00:25:30,560
Speaker 3: and we share our friendship and our kindness.

542
00:25:30,680 --> 00:25:33,320
Speaker 2: The advice shared on She's on the Money is generally

543
00:25:33,400 --> 00:25:37,199
Speaker 2: nature and does not consider your individual circumstances. She's on

544
00:25:37,240 --> 00:25:40,439
Speaker 2: the Money exists purely for educational purposes and should not

545
00:25:40,480 --> 00:25:43,760
Speaker 2: be relied upon to make an investment or any financial decision.

546
00:25:44,160 --> 00:25:47,760
Speaker 2: And we promise that Victoria Divine is an authorized representative

547
00:25:47,800 --> 00:25:51,520
Speaker 2: of Australia Pacific Funds Management for prior to Limited ABM

548
00:25:51,640 --> 00:25:54,040
Speaker 2: three four one three two four six three two five

549
00:25:54,160 --> 00:25:56,960
Speaker 2: seven ASL three three nine one five one.

550
00:25:57,280 --> 00:26:11,400
Speaker 3: See you next week, guys,