1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,239 --> 00:00:26,400 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,440 --> 00:00:30,720 Speaker 2: for millennials who want financial freedom. My name is Tony 4 00:00:30,800 --> 00:00:33,560 Speaker 2: Lodge and joining me for another shot back Money Diary 5 00:00:33,800 --> 00:00:35,199 Speaker 2: is Victoria Divine. 6 00:00:35,640 --> 00:00:38,920 Speaker 3: What a coincidence seeing you here, Lodge. 7 00:00:39,120 --> 00:00:42,760 Speaker 2: Imagine if we were both on the same internet recording platform, 8 00:00:43,360 --> 00:00:46,240 Speaker 2: same podcast, same time, same lockdown. 9 00:00:46,560 --> 00:00:51,639 Speaker 3: Oh my gosh, twins, I love it. Money Dories are 10 00:00:51,680 --> 00:00:54,120 Speaker 3: literally I was saying this just before to you, Tony, 11 00:00:54,160 --> 00:00:57,520 Speaker 3: when we weren't recording. Money Dories are literally my favorite 12 00:00:57,600 --> 00:00:59,920 Speaker 3: part of every week. I know we do Deep di 13 00:01:00,160 --> 00:01:01,720 Speaker 3: and I know we do Friday Drinks, and I know 14 00:01:01,760 --> 00:01:03,560 Speaker 3: that we have other podcasts, and I know I should 15 00:01:03,600 --> 00:01:06,280 Speaker 3: love all of those children equally, but I do not. 16 00:01:06,480 --> 00:01:08,760 Speaker 3: Money Diaries are my favorite because we get to talk 17 00:01:08,800 --> 00:01:12,760 Speaker 3: to our community and share those stories. So with that 18 00:01:12,880 --> 00:01:15,320 Speaker 3: in mind, and I won't keep ranting on about it. 19 00:01:15,480 --> 00:01:18,000 Speaker 3: Can you read this week's Money diarists? Email to me? 20 00:01:18,440 --> 00:01:21,360 Speaker 2: Okay, here we go. Hey, she's on the Money team. 21 00:01:21,760 --> 00:01:24,759 Speaker 2: I'm an international student and I'm only allowed to work 22 00:01:24,800 --> 00:01:28,360 Speaker 2: twenty hours a week in Australia, so it's very challenging 23 00:01:28,400 --> 00:01:32,360 Speaker 2: to earn little money and pay for studies, food, fun, etc. 24 00:01:33,319 --> 00:01:36,920 Speaker 2: I came to Australia with a dream learning English. Four 25 00:01:37,000 --> 00:01:40,119 Speaker 2: years after lots of adventures and weird jobs, I not 26 00:01:40,160 --> 00:01:42,560 Speaker 2: only speak the language, but I love living here and 27 00:01:42,600 --> 00:01:45,679 Speaker 2: I see this country as my home. I'm still struggling 28 00:01:45,680 --> 00:01:48,480 Speaker 2: with money, but thanks to your podcast, I'm making progress 29 00:01:48,480 --> 00:01:50,320 Speaker 2: and I can actually see the light at the end 30 00:01:50,360 --> 00:01:50,920 Speaker 2: of the tunnel. 31 00:01:51,240 --> 00:01:54,440 Speaker 3: Oh so kind, that's so wholesome. 32 00:01:55,480 --> 00:01:57,160 Speaker 4: And we've got our money dirests on the line. You 33 00:01:57,160 --> 00:01:58,000 Speaker 4: can hear it, giggli. 34 00:01:58,560 --> 00:02:00,520 Speaker 3: Everyone's going to be like, we know that there. 35 00:02:03,360 --> 00:02:06,000 Speaker 2: Well, thank you so much for joining us. That's such 36 00:02:06,040 --> 00:02:07,120 Speaker 2: an amazing story. 37 00:02:07,880 --> 00:02:10,160 Speaker 5: Thank you. Hi, guys, how are you? 38 00:02:10,480 --> 00:02:12,600 Speaker 3: We are so good. We are better having met you. 39 00:02:13,440 --> 00:02:16,840 Speaker 3: Let's jump straight into the questions because I have so 40 00:02:16,919 --> 00:02:20,800 Speaker 3: many questions about your situation. So first things first, what 41 00:02:20,919 --> 00:02:22,640 Speaker 3: is your attitude towards money? 42 00:02:23,200 --> 00:02:24,320 Speaker 5: Oh? 43 00:02:24,400 --> 00:02:27,280 Speaker 6: I've been thinking a lot about this question because I 44 00:02:27,400 --> 00:02:31,440 Speaker 6: don't really have a straight answer. I agree up with 45 00:02:31,480 --> 00:02:34,000 Speaker 6: these like two role models. My mom will be the 46 00:02:34,080 --> 00:02:39,000 Speaker 6: one saying like, oh, let's go shopping. We deserve it. 47 00:02:39,120 --> 00:02:42,519 Speaker 6: We work hard even if we didn't. But she will 48 00:02:42,560 --> 00:02:47,600 Speaker 6: say that, whereas her partner will be the one saying like, oh, like, no, 49 00:02:47,760 --> 00:02:50,040 Speaker 6: we can't spend any any money. We need to say 50 00:02:50,120 --> 00:02:52,239 Speaker 6: we need to be very he was very like tired 51 00:02:52,320 --> 00:02:53,840 Speaker 6: and greedy towards money. 52 00:02:53,919 --> 00:02:54,919 Speaker 5: Huh. 53 00:02:54,960 --> 00:02:58,840 Speaker 6: So as a result, I've always struggled with my attitude 54 00:02:58,880 --> 00:03:02,920 Speaker 6: towards money. Sometimes I just feel like very hunted by debts, 55 00:03:03,400 --> 00:03:06,520 Speaker 6: and all the times I just feel very guilty if 56 00:03:06,680 --> 00:03:09,480 Speaker 6: I've spent some money on something. 57 00:03:09,919 --> 00:03:11,960 Speaker 5: So it just fluctuates, you know, like. 58 00:03:12,200 --> 00:03:14,440 Speaker 6: I can't decide if I feel really bad about it 59 00:03:14,520 --> 00:03:16,840 Speaker 6: or if I feel good or yeah, oh. 60 00:03:16,680 --> 00:03:19,320 Speaker 3: My gosh, you should never feel really bad about it. 61 00:03:19,400 --> 00:03:21,960 Speaker 3: That breaks my heart when you say I feel hunted 62 00:03:22,000 --> 00:03:25,280 Speaker 3: by debt, Like I feel like that would be really relatable, 63 00:03:25,360 --> 00:03:28,040 Speaker 3: but it also upsets me because no one should feel 64 00:03:28,120 --> 00:03:31,360 Speaker 3: like that. Yeah, oh my heart. All right, So let's 65 00:03:31,400 --> 00:03:33,560 Speaker 3: learn a little bit more about you. What do you 66 00:03:33,600 --> 00:03:35,880 Speaker 3: do for work and how much money. 67 00:03:35,520 --> 00:03:36,160 Speaker 5: Do you earn? 68 00:03:36,840 --> 00:03:43,240 Speaker 6: I work in marketing and I currently earn fourty five 69 00:03:43,560 --> 00:03:44,560 Speaker 6: thousand dollars. 70 00:03:45,520 --> 00:03:48,560 Speaker 3: Is that including the twenty hours work a week that 71 00:03:48,640 --> 00:03:50,880 Speaker 3: you're allowed to do? So you get forty five thousand 72 00:03:50,880 --> 00:03:54,000 Speaker 3: dollars for the twenty hours a week. Yeah, Hey, that's 73 00:03:54,080 --> 00:03:55,040 Speaker 3: pretty good money. 74 00:03:56,000 --> 00:03:59,080 Speaker 6: Yeah, I mean, yeah, it's a new role. So yeah, 75 00:03:59,080 --> 00:04:01,320 Speaker 6: it's the first time that earning that money here. 76 00:04:01,520 --> 00:04:02,440 Speaker 5: So it's pretty good. 77 00:04:03,640 --> 00:04:05,960 Speaker 3: You're outs on the job, my friends. 78 00:04:06,000 --> 00:04:07,760 Speaker 5: Thank you. Yeah, it's pretty good. 79 00:04:07,920 --> 00:04:11,760 Speaker 6: And I will say, like, I'm finally just in this 80 00:04:11,880 --> 00:04:14,840 Speaker 6: stage where I can relax a little bit and I 81 00:04:14,880 --> 00:04:16,400 Speaker 6: can afford the life here. 82 00:04:17,520 --> 00:04:20,599 Speaker 4: So is marketing what you moved to Australia to study? 83 00:04:21,400 --> 00:04:26,120 Speaker 5: No, So, I studied marketing back home. Okay, many many, 84 00:04:26,120 --> 00:04:29,960 Speaker 5: many years ago. I've been working in marketing for the 85 00:04:30,000 --> 00:04:35,240 Speaker 5: past ten years. Yeah. So I graduated in Colombia. I'm 86 00:04:35,240 --> 00:04:35,920 Speaker 5: from Columbia. 87 00:04:36,120 --> 00:04:42,000 Speaker 6: I graduated in Colombia advertising, which is not apparently here 88 00:04:42,040 --> 00:04:42,520 Speaker 6: in Australia. 89 00:04:42,520 --> 00:04:43,120 Speaker 5: It's not the same. 90 00:04:43,200 --> 00:04:49,279 Speaker 6: But let's call it just marketing because yeah, and yeah, 91 00:04:49,400 --> 00:04:52,719 Speaker 6: I work in Columbia. And then I got a job 92 00:04:52,880 --> 00:04:57,719 Speaker 6: in Central America, so I moved to Central America. But yeah, 93 00:04:57,760 --> 00:04:59,960 Speaker 6: I will say, like I was very young, like I did, 94 00:05:00,000 --> 00:05:05,279 Speaker 6: didn't know how to enjoy and money and save money 95 00:05:05,320 --> 00:05:07,360 Speaker 6: and then just appreciate the money that I was getting. 96 00:05:08,640 --> 00:05:12,040 Speaker 6: I had this really really good job and I was 97 00:05:12,040 --> 00:05:14,720 Speaker 6: earning a lord, but I never saved anything. 98 00:05:14,800 --> 00:05:16,200 Speaker 5: I just blew it all. 99 00:05:16,880 --> 00:05:19,679 Speaker 4: But you were young and you were having god an there. 100 00:05:19,960 --> 00:05:24,279 Speaker 3: Yeah, absolutely all been there. I totally get it quick, 101 00:05:24,560 --> 00:05:28,839 Speaker 3: really perfect question and money diarist. We're on zoom, so 102 00:05:28,960 --> 00:05:33,120 Speaker 3: tony and I can see you. You look twenty two. 103 00:05:34,240 --> 00:05:34,800 Speaker 5: You said that. 104 00:05:34,760 --> 00:05:37,719 Speaker 3: You'd been working for ten years, So how. 105 00:05:37,560 --> 00:05:38,120 Speaker 4: Old are you? 106 00:05:38,720 --> 00:05:39,640 Speaker 5: I'm thirty one. 107 00:05:40,160 --> 00:05:42,560 Speaker 3: Oh my gosh. I would never have I am thirty. 108 00:05:42,839 --> 00:05:45,160 Speaker 3: I would have literally assumed you were at least eight 109 00:05:45,200 --> 00:05:45,919 Speaker 3: years younger than me. 110 00:05:46,160 --> 00:05:48,120 Speaker 5: Oh, thank you, Oh my gosh. 111 00:05:48,160 --> 00:05:51,240 Speaker 6: Now, yeah, like I was studying, well, I was thirty, Eunie. 112 00:05:51,279 --> 00:05:55,160 Speaker 6: I got a job in an advising an agency when 113 00:05:55,160 --> 00:05:58,560 Speaker 6: I was twenty one. I've been working since I was thirteen, 114 00:05:58,760 --> 00:06:01,200 Speaker 6: but in marketing, so I was twenty one. 115 00:06:01,680 --> 00:06:02,680 Speaker 5: Oh my gosh. 116 00:06:02,720 --> 00:06:05,200 Speaker 4: And what did you move to Australia to study? 117 00:06:05,760 --> 00:06:09,760 Speaker 6: I wanted to learn English. So my initial plan was 118 00:06:09,839 --> 00:06:11,560 Speaker 6: just to come here for six months. 119 00:06:11,880 --> 00:06:14,560 Speaker 5: And I was just like, yeah, well look how that went. Yeah, 120 00:06:14,600 --> 00:06:14,839 Speaker 5: I know. 121 00:06:16,400 --> 00:06:18,560 Speaker 6: I just felt like, ah, six months will be enough. 122 00:06:18,640 --> 00:06:21,200 Speaker 6: I just wanted to learn a little bit so I 123 00:06:21,200 --> 00:06:24,320 Speaker 6: could get a bit of job. Yeah, and then I 124 00:06:24,480 --> 00:06:26,680 Speaker 6: just after six months, I was like, oh my god, 125 00:06:26,760 --> 00:06:29,920 Speaker 6: like I can't speak award like I was so scared, 126 00:06:30,880 --> 00:06:32,640 Speaker 6: so I said, oh, maybe I'm going to extend my 127 00:06:32,720 --> 00:06:37,200 Speaker 6: viisa another year, and then that yeah, ended up being 128 00:06:37,279 --> 00:06:37,880 Speaker 6: four years. 129 00:06:37,920 --> 00:06:41,680 Speaker 3: Now. I love that. I love that you've come here 130 00:06:41,960 --> 00:06:45,160 Speaker 3: and like found home. That feels so nice that we 131 00:06:45,200 --> 00:06:48,080 Speaker 3: get to share that with you. And I have another 132 00:06:48,120 --> 00:06:51,760 Speaker 3: perfect question, completely off the railroads. Tony's going to be like, 133 00:06:51,800 --> 00:06:54,520 Speaker 3: get back to your normal questions. I'm the producer, please 134 00:06:54,560 --> 00:06:57,359 Speaker 3: do the right thing, Victoria. But you've stuck around and 135 00:06:57,360 --> 00:06:59,120 Speaker 3: now you have a partner. Did you meet your partner 136 00:06:59,120 --> 00:07:00,599 Speaker 3: here or did you move with them? 137 00:07:01,000 --> 00:07:05,159 Speaker 6: No, I'm moved on my own and I met him here. 138 00:07:05,839 --> 00:07:08,599 Speaker 3: Oh and now you're going to stay for love? How 139 00:07:08,880 --> 00:07:09,720 Speaker 3: can you? 140 00:07:11,080 --> 00:07:12,440 Speaker 5: Yes, that's exactly right. 141 00:07:12,800 --> 00:07:15,280 Speaker 2: I think actually, Victoria, she might be staying for the 142 00:07:15,360 --> 00:07:17,240 Speaker 2: dog that she mentioned before we started. 143 00:07:17,880 --> 00:07:22,680 Speaker 3: Yes, dog, guys. People are the best kinds of people. 144 00:07:22,760 --> 00:07:25,520 Speaker 3: So you know this money direst is pure, you just know, 145 00:07:26,120 --> 00:07:29,080 Speaker 3: al right, true. Next big question is what is your 146 00:07:29,160 --> 00:07:30,080 Speaker 3: big money goal? 147 00:07:32,080 --> 00:07:35,480 Speaker 6: Big money goal at the moment, I will say, it's 148 00:07:35,560 --> 00:07:40,760 Speaker 6: just to pay for my next visa. So it's just 149 00:07:40,800 --> 00:07:43,800 Speaker 6: such a visas. It's just a little bit of a 150 00:07:43,840 --> 00:07:46,720 Speaker 6: mess because I'm currently. 151 00:07:46,280 --> 00:07:47,640 Speaker 5: In a student visa. 152 00:07:48,960 --> 00:07:52,960 Speaker 6: Student visas, Like the course of them depend on the 153 00:07:53,440 --> 00:07:56,120 Speaker 6: course that you want to do, if so, if you 154 00:07:56,160 --> 00:07:59,680 Speaker 6: want to do like a bachelor's degree or if you 155 00:07:59,720 --> 00:08:03,560 Speaker 6: want to do a diploma, certificate or masters. So yeah, 156 00:08:03,640 --> 00:08:08,000 Speaker 6: the course just depends on that. So I've been doing 157 00:08:08,040 --> 00:08:10,760 Speaker 6: all these courses and courses and courses because that's the 158 00:08:11,000 --> 00:08:14,640 Speaker 6: only way how I kind of stay. But now that 159 00:08:14,760 --> 00:08:17,120 Speaker 6: I've met my partner, we've been together for a year, 160 00:08:17,520 --> 00:08:21,120 Speaker 6: and now the next step is just to get to 161 00:08:21,160 --> 00:08:24,560 Speaker 6: apply for a visa is called a partner visa, and 162 00:08:24,640 --> 00:08:27,440 Speaker 6: so I stop studying. 163 00:08:28,880 --> 00:08:31,960 Speaker 4: Which will be a relief. Sure means you can work 164 00:08:32,000 --> 00:08:33,160 Speaker 4: more hours, right. 165 00:08:33,080 --> 00:08:37,280 Speaker 6: Yeah, exactly. Yeah, I get like full rights to work here. 166 00:08:37,840 --> 00:08:41,960 Speaker 6: So that visa cost me around between eight grand and 167 00:08:42,040 --> 00:08:45,440 Speaker 6: nine grand. So I've been saving this, yeah, like all 168 00:08:45,520 --> 00:08:48,520 Speaker 6: this year for that and I will apply in December. 169 00:08:49,160 --> 00:08:51,560 Speaker 6: So that's my that's my money goal for now. 170 00:08:52,280 --> 00:08:54,920 Speaker 2: That's a lot of money for sure, Yeah, especially when 171 00:08:54,960 --> 00:08:57,320 Speaker 2: you're limited to how many hours you can work and 172 00:08:58,200 --> 00:08:59,439 Speaker 2: oh that's difficult. 173 00:08:59,679 --> 00:09:02,679 Speaker 3: Yeah, but it takes serious commitment and I think that's 174 00:09:02,679 --> 00:09:07,280 Speaker 3: something that is so underestimated by you know, the average Australian. 175 00:09:07,720 --> 00:09:09,760 Speaker 3: They're like oh okay, so you came to live here. 176 00:09:09,840 --> 00:09:12,240 Speaker 3: It's like, yes, you did, but you also got all 177 00:09:12,280 --> 00:09:15,000 Speaker 3: of these limitations on you and all of these requirements. 178 00:09:15,000 --> 00:09:17,720 Speaker 3: And then they're not just you know, personal requirements that 179 00:09:17,760 --> 00:09:19,920 Speaker 3: you need to meet all restrictions, there's also a whole 180 00:09:19,960 --> 00:09:21,840 Speaker 3: heap of money that you need to hand over. And 181 00:09:21,880 --> 00:09:25,040 Speaker 3: it's just like, we are so lucky one tony to 182 00:09:25,120 --> 00:09:28,319 Speaker 3: have been born in Australia, but then two to have 183 00:09:28,400 --> 00:09:30,839 Speaker 3: people who love our country so much that they're willing 184 00:09:30,880 --> 00:09:33,480 Speaker 3: to sacrifice that much to stay here, Like, yeah, how 185 00:09:33,520 --> 00:09:34,520 Speaker 3: did share it with us? 186 00:09:34,800 --> 00:09:35,319 Speaker 5: Yeah? 187 00:09:35,360 --> 00:09:36,080 Speaker 3: I love that. 188 00:09:36,520 --> 00:09:39,319 Speaker 6: Yeah, I love this country's It's given me so many 189 00:09:39,360 --> 00:09:41,920 Speaker 6: opportunities and yeah, just good experiences. 190 00:09:41,960 --> 00:09:43,280 Speaker 5: So yeah, I definitely want to stay. 191 00:09:43,800 --> 00:09:46,920 Speaker 3: Next question is do you currently have any investments? 192 00:09:48,280 --> 00:09:51,239 Speaker 5: As I lamp from this podcast, only my super. 193 00:09:52,080 --> 00:09:53,920 Speaker 3: Oh my gosh, but I'm so glad you know that 194 00:09:53,920 --> 00:09:54,800 Speaker 3: that's an investment. 195 00:09:55,000 --> 00:09:55,440 Speaker 5: Yeah, I know. 196 00:09:55,559 --> 00:09:59,480 Speaker 3: Now, yeah, I love that, so so good. And I 197 00:09:59,480 --> 00:10:01,640 Speaker 3: think that you're in a position where it's like, yep, cool, 198 00:10:01,880 --> 00:10:04,680 Speaker 3: you actually don't have the capacity to start investing yet, 199 00:10:04,679 --> 00:10:07,360 Speaker 3: and that's okay. It is not a bad thing to 200 00:10:07,480 --> 00:10:09,439 Speaker 3: not be able to invest, and I would never want 201 00:10:09,480 --> 00:10:12,120 Speaker 3: you to feel pressure that you have to start investing 202 00:10:12,160 --> 00:10:14,760 Speaker 3: because other people are, like, you're running your own race, 203 00:10:14,800 --> 00:10:17,040 Speaker 3: and I think it's so important to remember that and 204 00:10:17,080 --> 00:10:19,560 Speaker 3: not put pressure on yourself to start something because you 205 00:10:19,600 --> 00:10:23,880 Speaker 3: think it's expected. Next question and I know we know 206 00:10:23,960 --> 00:10:25,800 Speaker 3: the answer to this already, but I want to talk 207 00:10:25,800 --> 00:10:30,600 Speaker 3: about anymore detail. Do you currently have any debts. 208 00:10:31,640 --> 00:10:36,120 Speaker 5: Debts? I will say, oh, probably. 209 00:10:36,600 --> 00:10:42,560 Speaker 6: I don't consider the visa as a debt because well, 210 00:10:43,000 --> 00:10:46,120 Speaker 6: I have the chance if I want to just like 211 00:10:46,240 --> 00:10:48,400 Speaker 6: stop that process and then just go back home, I 212 00:10:48,440 --> 00:10:50,760 Speaker 6: can do it. So it's not like I own that 213 00:10:50,920 --> 00:10:56,640 Speaker 6: money yet. But I do have a debt but it's 214 00:10:56,720 --> 00:11:00,080 Speaker 6: just for eight hundred dollars now, which is the The 215 00:11:00,200 --> 00:11:04,840 Speaker 6: current course that I'm doing is a diploma. So what 216 00:11:04,880 --> 00:11:07,880 Speaker 6: we do here in Australia as students is like you 217 00:11:07,960 --> 00:11:11,520 Speaker 6: have the possibility to pay upfront or otherwise you just 218 00:11:11,600 --> 00:11:15,240 Speaker 6: pay installments, which is what I do. So I have 219 00:11:15,320 --> 00:11:18,560 Speaker 6: to pay like every month or every two months. I 220 00:11:18,600 --> 00:11:21,480 Speaker 6: have to pay one thousand dollars so I can keep studying. 221 00:11:22,480 --> 00:11:25,960 Speaker 6: So currently I need to pay eight hundred dollars just 222 00:11:25,960 --> 00:11:28,439 Speaker 6: to finish paying for this course. 223 00:11:29,040 --> 00:11:31,280 Speaker 2: That is so much money though, isn't it to have 224 00:11:31,320 --> 00:11:33,320 Speaker 2: to just pay up front? 225 00:11:33,600 --> 00:11:37,960 Speaker 5: I know the Yeah, education here is very expensive. Al right. 226 00:11:38,160 --> 00:11:41,120 Speaker 3: Next question, do you currently use shot back? 227 00:11:42,080 --> 00:11:44,800 Speaker 5: I know about it because of you guys. Are I've 228 00:11:45,120 --> 00:11:49,560 Speaker 5: looked it up. Yeah, look at the impact, but I 229 00:11:49,600 --> 00:11:50,760 Speaker 5: haven't bought anything yet. 230 00:11:50,880 --> 00:11:54,880 Speaker 3: Cool, Paisy. Next question is, and I think that you're 231 00:11:54,920 --> 00:11:56,600 Speaker 3: going to be pretty savvy. I think we've got a 232 00:11:56,600 --> 00:11:59,120 Speaker 3: lot to learn from you, my friend. What is your 233 00:11:59,160 --> 00:12:00,400 Speaker 3: best money habit? 234 00:12:01,200 --> 00:12:05,880 Speaker 5: Oh, best money habit? I don't know if that's good 235 00:12:06,000 --> 00:12:06,280 Speaker 5: or not. 236 00:12:06,640 --> 00:12:12,840 Speaker 6: But I have created this weird habit where I just, oh, gosh, embarrassing. 237 00:12:13,040 --> 00:12:16,640 Speaker 6: But I just go to this whatever website where I 238 00:12:16,679 --> 00:12:21,520 Speaker 6: want to buy things from like skincare or floating whatever, 239 00:12:21,679 --> 00:12:25,960 Speaker 6: I got them. Yeah, And I just put everything I 240 00:12:26,000 --> 00:12:28,240 Speaker 6: want to buy. I just put it in the cart, 241 00:12:28,520 --> 00:12:31,120 Speaker 6: and then when I go to the checkout, I think 242 00:12:31,559 --> 00:12:32,440 Speaker 6: do I need this? 243 00:12:33,040 --> 00:12:36,040 Speaker 5: And the time so that I do not. 244 00:12:36,679 --> 00:12:39,480 Speaker 2: So you're good at catching yourself out before. 245 00:12:39,200 --> 00:12:40,480 Speaker 4: You just spend money. 246 00:12:40,640 --> 00:12:40,880 Speaker 5: Yeah. 247 00:12:40,920 --> 00:12:44,280 Speaker 6: So I just literally just close the whole website and say, Okay, cool, 248 00:12:44,400 --> 00:12:49,280 Speaker 6: I saved some money. 249 00:12:47,200 --> 00:12:51,760 Speaker 5: So I just shut it down. Yeah, so I saved that. 250 00:12:51,760 --> 00:12:56,640 Speaker 5: That's saving right, But I would say. 251 00:12:56,760 --> 00:13:00,720 Speaker 6: Just basically, I just ask myself like do I really 252 00:13:00,720 --> 00:13:03,840 Speaker 6: need this, and most of the time like I don't, 253 00:13:04,160 --> 00:13:06,199 Speaker 6: So yeah, I just don't spend it. 254 00:13:06,480 --> 00:13:09,040 Speaker 3: She's better at that than I am, Tony, because sometimes 255 00:13:09,040 --> 00:13:12,000 Speaker 3: I'm like, no, no, I really do need that white dress, 256 00:13:12,080 --> 00:13:14,600 Speaker 3: even though I have a hundred other white dresses. Like 257 00:13:14,880 --> 00:13:17,560 Speaker 3: I'm so good at convincing myself of what I need. 258 00:13:17,800 --> 00:13:20,600 Speaker 3: So I think it's an actual talent to convince yourself 259 00:13:20,640 --> 00:13:22,839 Speaker 3: that you don't need something when you are so emotionally 260 00:13:22,840 --> 00:13:25,320 Speaker 3: invested in it. Like, I think that's underrated. That is 261 00:13:25,360 --> 00:13:30,240 Speaker 3: an impressive good money I like it. Let's turn the tables, though, 262 00:13:30,400 --> 00:13:32,800 Speaker 3: and ask you what your worst money habit is. 263 00:13:34,360 --> 00:13:39,800 Speaker 6: Worse money habit probably is the completely opposite. Like sometimes 264 00:13:40,120 --> 00:13:45,200 Speaker 6: I just half pace run them thought like, Okay, I 265 00:13:45,280 --> 00:13:47,880 Speaker 6: deserve it, same as my mom used to say. I 266 00:13:47,960 --> 00:13:50,600 Speaker 6: just deserve it, and I just literally spend it all 267 00:13:51,360 --> 00:13:54,920 Speaker 6: and then I just spend time feeling guilty. 268 00:13:55,200 --> 00:13:56,360 Speaker 5: So yeah, it's not like. 269 00:13:56,280 --> 00:13:59,800 Speaker 6: A very healthy behavior, I will say, but yeah, that's 270 00:13:59,840 --> 00:14:02,880 Speaker 6: my that's my water's money habit. Sometimes like I just 271 00:14:02,960 --> 00:14:05,000 Speaker 6: spend it all and then feel guilty. 272 00:14:05,040 --> 00:14:05,800 Speaker 5: But that's not. 273 00:14:07,960 --> 00:14:10,640 Speaker 6: I don't know like I don't do that every single 274 00:14:10,800 --> 00:14:13,680 Speaker 6: month is just I can be good for like good 275 00:14:13,760 --> 00:14:15,960 Speaker 6: like saving and all of that for like, I don't know, 276 00:14:16,000 --> 00:14:19,440 Speaker 6: thirty four months in a row and then I do 277 00:14:19,560 --> 00:14:20,200 Speaker 6: that sort of thing. 278 00:14:20,560 --> 00:14:23,160 Speaker 2: Do you think that's probably though, because you have to 279 00:14:23,240 --> 00:14:26,280 Speaker 2: save so hard because you can only work such like 280 00:14:26,520 --> 00:14:29,760 Speaker 2: a small amount of hours. It's probably because you have 281 00:14:29,840 --> 00:14:32,680 Speaker 2: to be so strict on yourself that sometimes you're like, bah, 282 00:14:33,080 --> 00:14:36,280 Speaker 2: I just really want to buy something, Like I've been 283 00:14:36,320 --> 00:14:38,280 Speaker 2: looking at this thing for three or four months, and 284 00:14:38,360 --> 00:14:40,480 Speaker 2: I just really really want to treat myself. I've been 285 00:14:40,520 --> 00:14:43,680 Speaker 2: working really hard. I feel like, obviously, Victoria, you're you're 286 00:14:43,720 --> 00:14:46,320 Speaker 2: the expert. But is that like one of the psychologies 287 00:14:46,320 --> 00:14:47,880 Speaker 2: behind spending hours? 288 00:14:48,160 --> 00:14:51,920 Speaker 3: Yes, my friend, it is. And that's essentially why I 289 00:14:51,960 --> 00:14:55,600 Speaker 3: often compare strict budgeting to a strict diet, because at 290 00:14:55,640 --> 00:14:57,840 Speaker 3: some point you are going to binge, you are going 291 00:14:57,880 --> 00:14:59,800 Speaker 3: to fall off the cart and going to do something 292 00:14:59,800 --> 00:15:02,320 Speaker 3: with which is why it is so important to actually 293 00:15:02,360 --> 00:15:07,360 Speaker 3: incorporate healthy spending habits into our budget consistently instead of 294 00:15:07,520 --> 00:15:10,000 Speaker 3: just always restricting ourselves and going no, no, no, no no, 295 00:15:10,440 --> 00:15:13,400 Speaker 3: it's not sustainable long term to say I'm never going 296 00:15:13,440 --> 00:15:15,840 Speaker 3: to buy something that is, you know, new dresses or 297 00:15:15,840 --> 00:15:18,200 Speaker 3: shoes or something that I don't need. I think it's 298 00:15:18,240 --> 00:15:20,440 Speaker 3: good to have a buffer in your account so you 299 00:15:20,440 --> 00:15:22,360 Speaker 3: can say that is my fun money, that is the 300 00:15:22,360 --> 00:15:24,800 Speaker 3: money that I'm going to allow myself to treat myself with. 301 00:15:24,960 --> 00:15:28,640 Speaker 3: And I think that that ultimately stops that that binge 302 00:15:28,760 --> 00:15:31,320 Speaker 3: or that splurge at the end of a period of 303 00:15:31,360 --> 00:15:35,120 Speaker 3: time where you've saved really aggressively, because often in those 304 00:15:35,160 --> 00:15:38,520 Speaker 3: splurges you'll spend so much more money than you would 305 00:15:38,520 --> 00:15:40,760 Speaker 3: have if you just allocated yourself like fifty dollars a 306 00:15:40,800 --> 00:15:41,520 Speaker 3: month or something. 307 00:15:42,160 --> 00:15:43,360 Speaker 5: Yeah, that's so true. 308 00:15:43,880 --> 00:15:46,280 Speaker 6: The thing is, like, as Tony was saying before, like 309 00:15:46,360 --> 00:15:49,240 Speaker 6: sometimes when I have to save so much, it's like, no, 310 00:15:49,480 --> 00:15:53,240 Speaker 6: it's so it's strict, Like if I don't save this money, 311 00:15:53,280 --> 00:15:54,240 Speaker 6: I'm not gonna make it. 312 00:15:54,760 --> 00:15:57,120 Speaker 5: So I save so, so. 313 00:15:56,720 --> 00:15:59,160 Speaker 6: So much, and then I just I don't know, I 314 00:15:59,200 --> 00:16:02,280 Speaker 6: just I think I get a little bit frustrated, and 315 00:16:02,360 --> 00:16:05,440 Speaker 6: I say I just need to I just need to 316 00:16:05,480 --> 00:16:08,320 Speaker 6: buy a little bit, and then that little bit just 317 00:16:08,400 --> 00:16:11,200 Speaker 6: leads to another little bit, yeah, and so on, and 318 00:16:11,240 --> 00:16:14,840 Speaker 6: then I'm just very stressed. But I think it's yeah, 319 00:16:14,880 --> 00:16:19,160 Speaker 6: definitely not a healthy behavior. Like sometimes when I allocate 320 00:16:19,360 --> 00:16:22,720 Speaker 6: money to spend, I feel so much better because, Okay, 321 00:16:22,840 --> 00:16:27,880 Speaker 6: like I could put fifty dollars away for this month, 322 00:16:29,440 --> 00:16:32,080 Speaker 6: so yeah, I can go out or like I don't know, 323 00:16:32,200 --> 00:16:34,640 Speaker 6: even for a meal or something, and it's all right. 324 00:16:36,000 --> 00:16:39,320 Speaker 5: But it's definitely something I can't do every. 325 00:16:38,680 --> 00:16:41,480 Speaker 3: Month, no, And I think that that's where we need 326 00:16:41,520 --> 00:16:44,920 Speaker 3: to be realistic as well, because in your situation, you 327 00:16:45,000 --> 00:16:47,280 Speaker 3: actually have deadlines for when you need to have a 328 00:16:47,280 --> 00:16:49,480 Speaker 3: certain amount of money safe for a visa or for 329 00:16:49,600 --> 00:16:53,320 Speaker 3: something really particular, and given you don't have a massive income, 330 00:16:53,480 --> 00:16:56,160 Speaker 3: that's a massive challenge for you. So I totally get it, 331 00:16:56,240 --> 00:16:59,560 Speaker 3: and it's actually unavoidable in your situation. To actually reach 332 00:16:59,600 --> 00:17:01,720 Speaker 3: that goal, you do have to be really strict. So 333 00:17:01,760 --> 00:17:03,760 Speaker 3: I get why you're blowing out, but I think it's 334 00:17:03,840 --> 00:17:07,320 Speaker 3: more important to just understand the psychology behind it, not 335 00:17:07,440 --> 00:17:09,159 Speaker 3: just go oh my gosh, I'm so bad at this. 336 00:17:09,280 --> 00:17:11,679 Speaker 3: It's like, no, you're not. You're actually doing what everybody 337 00:17:11,720 --> 00:17:14,680 Speaker 3: else in this situation would do as well. It is 338 00:17:14,840 --> 00:17:17,920 Speaker 3: so normal, al right, I don't think that's the worst 339 00:17:17,960 --> 00:17:22,120 Speaker 3: money habit. Just by the way, So segueing into The 340 00:17:22,160 --> 00:17:25,240 Speaker 3: next question, which is if I forced you to give 341 00:17:25,280 --> 00:17:27,960 Speaker 3: yourself a money grade, what would you grade yourself? 342 00:17:29,800 --> 00:17:35,920 Speaker 6: Probably will be a C minus. Oh no, yeah, I'll 343 00:17:35,960 --> 00:17:36,359 Speaker 6: say so. 344 00:17:37,080 --> 00:17:40,440 Speaker 3: I know, I feel like you have so many good 345 00:17:40,480 --> 00:17:43,919 Speaker 3: money habits, like look at how much you've accomplished and 346 00:17:43,960 --> 00:17:47,240 Speaker 3: achieved and done. There's no way you're a C minus. 347 00:17:47,320 --> 00:17:50,680 Speaker 3: You only have eight hundred dollars. Was it debt? Come 348 00:17:50,760 --> 00:17:56,359 Speaker 3: on money diarist? Well, I will respect it, but I 349 00:17:56,400 --> 00:17:59,119 Speaker 3: also do think that you are definitely worthy of a 350 00:17:59,200 --> 00:17:59,960 Speaker 3: higher grade. 351 00:18:02,040 --> 00:18:07,919 Speaker 6: I think probably if I if I change my mentality 352 00:18:08,080 --> 00:18:11,840 Speaker 6: towards money, it could be better. And also I think, 353 00:18:11,960 --> 00:18:14,679 Speaker 6: like sometimes when I compare the life I used to 354 00:18:14,720 --> 00:18:18,879 Speaker 6: have before I came here and the life that I 355 00:18:18,920 --> 00:18:22,000 Speaker 6: have here, I said like, well, you know, like when 356 00:18:22,040 --> 00:18:25,880 Speaker 6: I was living in Central America, I was earning American 357 00:18:25,920 --> 00:18:30,040 Speaker 6: dollars and it was like ninety K a year, Oh 358 00:18:30,080 --> 00:18:35,080 Speaker 6: my wow, compared to what I have here. But I also, yeah, 359 00:18:35,119 --> 00:18:37,199 Speaker 6: like I know, I was very young, and I just 360 00:18:37,640 --> 00:18:41,080 Speaker 6: do it all just but I just feel and I 361 00:18:41,119 --> 00:18:42,880 Speaker 6: have that fear that, oh my god, if I earn 362 00:18:42,960 --> 00:18:46,280 Speaker 6: the same money here, I'm gonna do the same. So 363 00:18:46,320 --> 00:18:48,560 Speaker 6: somehow I just got used to it just to be 364 00:18:48,640 --> 00:18:51,240 Speaker 6: on a budget and very strict and all of this. 365 00:18:51,520 --> 00:18:54,840 Speaker 6: Because it's working now now I don't have the same 366 00:18:55,520 --> 00:18:57,600 Speaker 6: issues I used to have when I was doing now. 367 00:18:58,240 --> 00:19:00,640 Speaker 3: Yeah, but I think that that's also a really big 368 00:19:00,680 --> 00:19:03,159 Speaker 3: part of your money story. And I'm not going to 369 00:19:03,240 --> 00:19:05,160 Speaker 3: ask you right now. I'm going to ask you after 370 00:19:05,200 --> 00:19:12,920 Speaker 3: we take this really short break. Oh my gosh, So 371 00:19:12,960 --> 00:19:15,879 Speaker 3: we are back, Tony, and I want to dive straight 372 00:19:15,960 --> 00:19:19,239 Speaker 3: in to asking. I guess about the income difference that 373 00:19:19,280 --> 00:19:21,600 Speaker 3: you've experienced. Like I've got a whole heap of other 374 00:19:21,640 --> 00:19:24,399 Speaker 3: questions about visas and tips and stuff like that, but 375 00:19:24,680 --> 00:19:28,479 Speaker 3: you've gone from earning ninety thousand dollars USD, which I 376 00:19:28,480 --> 00:19:30,920 Speaker 3: did some quick maths just before, and that's about one 377 00:19:31,000 --> 00:19:34,719 Speaker 3: hundred and twenty three thousand dollars, which is huge Australia. 378 00:19:34,840 --> 00:19:37,520 Speaker 3: That is a massive amount of money. And I know 379 00:19:37,640 --> 00:19:40,600 Speaker 3: that you know there's different living costs and stuff like that, 380 00:19:40,640 --> 00:19:43,040 Speaker 3: but how have you adapted from earning such a high 381 00:19:43,080 --> 00:19:45,960 Speaker 3: amount of money to making a decision to move countries, 382 00:19:46,119 --> 00:19:50,159 Speaker 3: change your entire lifestyle, learn English and flip everything on 383 00:19:50,240 --> 00:19:53,800 Speaker 3: its head and essentially start learning less than half of 384 00:19:53,880 --> 00:19:56,920 Speaker 3: what you used to earn, Like, how have you adapted, 385 00:19:57,040 --> 00:19:58,119 Speaker 3: how have you changed? 386 00:19:58,680 --> 00:20:02,600 Speaker 5: Oh, definitely hasn't been easier. I didn't. 387 00:20:02,960 --> 00:20:05,159 Speaker 6: It took me a while just to realize that I 388 00:20:05,200 --> 00:20:09,040 Speaker 6: didn't have the same life. But it was also a 389 00:20:09,119 --> 00:20:13,159 Speaker 6: sacrifice I was willing to do because I really wanted 390 00:20:13,160 --> 00:20:17,879 Speaker 6: to learn English. Yeah, so when I came here, I 391 00:20:17,920 --> 00:20:21,919 Speaker 6: came with zero English. Like I knew like the greetings 392 00:20:21,960 --> 00:20:26,920 Speaker 6: and colors and things like that, but I couldn't communicate 393 00:20:27,000 --> 00:20:30,119 Speaker 6: at all. So what I put in my email about 394 00:20:30,160 --> 00:20:32,760 Speaker 6: the weird jobs that I've done and all that is 395 00:20:32,800 --> 00:20:35,639 Speaker 6: because yeah, like if you don't speak the language, you 396 00:20:35,680 --> 00:20:36,720 Speaker 6: obviously can't have it. 397 00:20:37,760 --> 00:20:39,640 Speaker 5: Yeah, just like a normal. 398 00:20:39,359 --> 00:20:40,640 Speaker 3: Jobs make it hard. Yeah. 399 00:20:41,280 --> 00:20:41,680 Speaker 5: Yeah. 400 00:20:41,760 --> 00:20:47,320 Speaker 6: So at the start, I just came from an office 401 00:20:47,400 --> 00:20:51,280 Speaker 6: to have like this position and this money to come 402 00:20:51,359 --> 00:20:55,760 Speaker 6: here and work in a hotel making beds and I 403 00:20:55,800 --> 00:21:00,520 Speaker 6: would make like thirty five bets per day and do 404 00:21:00,600 --> 00:21:02,320 Speaker 6: the cleaning and all of this, and it. 405 00:21:02,240 --> 00:21:03,399 Speaker 5: Was just shocking. 406 00:21:03,760 --> 00:21:07,840 Speaker 6: It was I would go home and they just think, 407 00:21:07,960 --> 00:21:12,080 Speaker 6: like what am I doing? Like while am I here? Like, well, 408 00:21:12,080 --> 00:21:13,679 Speaker 6: am I doing this? Like I didn't know it was 409 00:21:13,720 --> 00:21:17,520 Speaker 6: that hard. But at the same time, like I will 410 00:21:17,600 --> 00:21:21,919 Speaker 6: work from like seven am to six p five pm 411 00:21:22,000 --> 00:21:24,880 Speaker 6: and then at six pm from ten pm I will 412 00:21:25,000 --> 00:21:29,119 Speaker 6: go to my English classes and every that that was 413 00:21:29,320 --> 00:21:33,600 Speaker 6: my routine, like every single day. So once I got 414 00:21:33,600 --> 00:21:37,040 Speaker 6: to the point where I could communicate, it was it 415 00:21:37,080 --> 00:21:40,120 Speaker 6: was better, Like I was okay, Like now I can't 416 00:21:40,280 --> 00:21:41,640 Speaker 6: like the transition fell. 417 00:21:43,040 --> 00:21:43,480 Speaker 5: Lighter. 418 00:21:43,600 --> 00:21:48,240 Speaker 6: I will say, so yeah, very very like achieveable to 419 00:21:48,359 --> 00:21:52,159 Speaker 6: live here and to work in marketing and all of 420 00:21:52,200 --> 00:21:56,720 Speaker 6: that once I spoke the language. So at the start 421 00:21:56,920 --> 00:21:59,879 Speaker 6: was a heart like a very difficult transition. But I 422 00:22:00,400 --> 00:22:03,359 Speaker 6: don't know, I just feel like there were all the 423 00:22:03,440 --> 00:22:07,000 Speaker 6: things that were more positive and that helped me with 424 00:22:07,040 --> 00:22:11,080 Speaker 6: that transition and helped me just like leaving that money 425 00:22:11,119 --> 00:22:15,840 Speaker 6: and that like lifestyle, living it like in my country 426 00:22:15,960 --> 00:22:19,440 Speaker 6: or in other countries and not bringing that here because 427 00:22:19,440 --> 00:22:21,920 Speaker 6: I can't compare. I can't expect to have the same 428 00:22:22,040 --> 00:22:26,400 Speaker 6: life in a completely different country where I don't know where, 429 00:22:26,480 --> 00:22:28,480 Speaker 6: I didn't know anyone when I came to me. 430 00:22:28,600 --> 00:22:32,080 Speaker 3: That just seems crazy and something that I wouldn't go, Okay, 431 00:22:32,200 --> 00:22:35,640 Speaker 3: this is absolutely worth it, But why was it worth 432 00:22:35,680 --> 00:22:38,879 Speaker 3: it to you? Why was making that sacrifice and making 433 00:22:38,920 --> 00:22:41,200 Speaker 3: that decision something you were like, No, I don't want 434 00:22:41,240 --> 00:22:43,080 Speaker 3: to go back. I don't want to do that again 435 00:22:43,840 --> 00:22:47,640 Speaker 3: because I just feel like that's impressive, Like I'm so 436 00:22:47,720 --> 00:22:48,800 Speaker 3: impressed with you. 437 00:22:49,800 --> 00:22:55,760 Speaker 6: Initially, I think it was the main reason why I 438 00:22:55,880 --> 00:22:59,199 Speaker 6: just didn't want to go back. It was because I 439 00:22:59,240 --> 00:23:01,480 Speaker 6: wasn't working in I feel, and I was a little 440 00:23:01,520 --> 00:23:02,440 Speaker 6: bit over it. 441 00:23:04,960 --> 00:23:05,880 Speaker 5: I don't know, just like. 442 00:23:05,960 --> 00:23:09,760 Speaker 6: Working for these like big companies and incorporate it gets 443 00:23:10,200 --> 00:23:15,320 Speaker 6: very oh I don't know, just like heavy sometimes like yeah, yeah, 444 00:23:15,400 --> 00:23:19,639 Speaker 6: your mental health is just non existent for them. So 445 00:23:19,680 --> 00:23:24,640 Speaker 6: I was working like twenty four hours seven. I couldn't rest. 446 00:23:25,000 --> 00:23:29,879 Speaker 6: I was physically like sick because of the amount of 447 00:23:29,920 --> 00:23:35,359 Speaker 6: stress I was dealing with every day. So I think 448 00:23:35,960 --> 00:23:37,960 Speaker 6: once I came here and yeah, like I was doing 449 00:23:37,960 --> 00:23:42,080 Speaker 6: all these like weird jobs and funny jobs I call them, 450 00:23:42,560 --> 00:23:46,600 Speaker 6: but I wasn't. I wasn't dealing with all of that stuff. 451 00:23:46,640 --> 00:23:50,280 Speaker 6: I wasn't dealing with like clients or deadlines or things 452 00:23:50,280 --> 00:23:53,800 Speaker 6: that were making me feel uncomfortable sometimes like because of 453 00:23:53,840 --> 00:23:57,119 Speaker 6: the pressure, I was just completely relaxed. I was like, 454 00:23:57,160 --> 00:24:01,040 Speaker 6: oh my god, like I'm actually leaving. Yeah, Like I 455 00:24:01,160 --> 00:24:04,359 Speaker 6: never felt like I had just like as a teenager, 456 00:24:04,480 --> 00:24:07,000 Speaker 6: like I have a lot of freedom. So once I 457 00:24:07,040 --> 00:24:09,639 Speaker 6: came here, I would just I don't know, it's just 458 00:24:09,680 --> 00:24:13,760 Speaker 6: like pressed by everything. It just like shocked by everything. 459 00:24:13,800 --> 00:24:15,160 Speaker 6: I was like, oh my god, this is the rule, 460 00:24:15,680 --> 00:24:18,760 Speaker 6: like you know. So I think maybe that's why I thought. 461 00:24:18,640 --> 00:24:19,480 Speaker 5: It was worth it. 462 00:24:20,960 --> 00:24:27,240 Speaker 6: Also, coming from like a violent country to our country, 463 00:24:27,280 --> 00:24:31,280 Speaker 6: like Australia, it felt completely different, like I felt safe 464 00:24:31,680 --> 00:24:32,800 Speaker 6: here somehow. 465 00:24:34,400 --> 00:24:36,639 Speaker 5: So yeah, that's probably why. 466 00:24:37,400 --> 00:24:42,080 Speaker 3: Wow, that is so powerful and honestly, such a sacrifice 467 00:24:42,119 --> 00:24:45,840 Speaker 3: to make that. I just don't think people respect nearly 468 00:24:45,880 --> 00:24:48,399 Speaker 3: as much as they should. Like, I'm in awe of 469 00:24:48,440 --> 00:24:51,199 Speaker 3: this story and what you've gone through and the sacrifice 470 00:24:51,200 --> 00:24:53,639 Speaker 3: that you are continuing to make to live in a 471 00:24:53,680 --> 00:24:58,200 Speaker 3: country that just suits you better, Like it's it's crazy. 472 00:24:58,320 --> 00:25:01,520 Speaker 3: I'm yeah, I won't go on, but I'm so impressed. 473 00:25:01,560 --> 00:25:04,240 Speaker 3: But I guess moving away from that part of the 474 00:25:04,320 --> 00:25:08,520 Speaker 3: conversation and into visas and how easy they are to 475 00:25:08,560 --> 00:25:10,840 Speaker 3: get and how hard they can be to get, I 476 00:25:10,840 --> 00:25:13,640 Speaker 3: guess what's that process been like for you? Is it 477 00:25:13,680 --> 00:25:17,320 Speaker 3: actually easier having a partner now? Like, what's the process 478 00:25:17,359 --> 00:25:18,160 Speaker 3: been like for you? 479 00:25:19,000 --> 00:25:19,320 Speaker 5: Okay? 480 00:25:19,320 --> 00:25:25,040 Speaker 6: With the student visas, it's not easy because you don't 481 00:25:25,040 --> 00:25:28,720 Speaker 6: get the chance to study what you want pretty much. Yeah, 482 00:25:29,080 --> 00:25:31,800 Speaker 6: you need to study always something that is related to 483 00:25:31,880 --> 00:25:37,000 Speaker 6: your career. So in my case, I couldn't move away 484 00:25:37,119 --> 00:25:42,880 Speaker 6: from advertising or marketing or that area, because that mean 485 00:25:43,080 --> 00:25:48,879 Speaker 6: that I wasn't like a genuine student for Australia. 486 00:25:49,520 --> 00:25:50,280 Speaker 5: I didn't know that. 487 00:25:51,240 --> 00:25:55,280 Speaker 6: Yeah, Like as I said before, so the benefits and 488 00:25:55,600 --> 00:25:59,000 Speaker 6: rights and it's just depending on your career and what 489 00:25:59,240 --> 00:26:02,360 Speaker 6: you want to study so for instance, and also from 490 00:26:02,359 --> 00:26:06,440 Speaker 6: the country you come from. So yeah, so between the 491 00:26:06,560 --> 00:26:11,120 Speaker 6: governments they make deals and for instance, if you come 492 00:26:11,160 --> 00:26:15,320 Speaker 6: from Chile, you will have a work on holiday visa 493 00:26:15,920 --> 00:26:18,520 Speaker 6: and all the sort of visas available for you. But 494 00:26:18,640 --> 00:26:20,600 Speaker 6: if you come from a country like mine, you don't 495 00:26:20,600 --> 00:26:22,919 Speaker 6: have that option. You just have a student visa, so 496 00:26:23,000 --> 00:26:26,080 Speaker 6: you're just allowed to work twenty hours a week and 497 00:26:26,119 --> 00:26:28,720 Speaker 6: we have to pay a private health insurance. We don't 498 00:26:28,760 --> 00:26:32,080 Speaker 6: have Medicare or any we're not allowed to use any 499 00:26:32,119 --> 00:26:37,000 Speaker 6: of that. So yeah, like in terms of visas, the 500 00:26:37,119 --> 00:26:41,600 Speaker 6: process aren't easy, but if you stick to your career 501 00:26:41,840 --> 00:26:45,119 Speaker 6: and then just study things that are related to it, 502 00:26:45,119 --> 00:26:45,679 Speaker 6: it's easy. 503 00:26:46,000 --> 00:26:49,720 Speaker 5: And I guess like I've learned so much. I've done 504 00:26:50,040 --> 00:26:52,960 Speaker 5: so many certificates and diplomas and. 505 00:26:54,600 --> 00:26:58,879 Speaker 2: You're probably the highest qualified person I've ever met. 506 00:26:58,880 --> 00:27:03,199 Speaker 3: Time Just like think back and go, wow, imagine the 507 00:27:03,240 --> 00:27:05,639 Speaker 3: amount of people that would have And I'm making a 508 00:27:05,680 --> 00:27:08,159 Speaker 3: grand assumption here, and I promise you I wouldn't have 509 00:27:08,200 --> 00:27:09,920 Speaker 3: been one of these people, and I know no one 510 00:27:09,960 --> 00:27:12,600 Speaker 3: that I'm surrounded by would have been as either, But 511 00:27:13,000 --> 00:27:14,760 Speaker 3: just the amount of people that would have been so 512 00:27:14,920 --> 00:27:18,159 Speaker 3: disrespectful to you while you were working as a housekeeper, 513 00:27:18,600 --> 00:27:23,480 Speaker 3: Like it blows my mind that the people doing these jobs, 514 00:27:23,640 --> 00:27:25,840 Speaker 3: Like you know, I've never thought any less of it, 515 00:27:25,880 --> 00:27:27,399 Speaker 3: Like a job is a job, and it you know, 516 00:27:27,480 --> 00:27:29,400 Speaker 3: puts food on the table and does all of that. 517 00:27:29,440 --> 00:27:32,520 Speaker 3: But like you were coming from earning one hundred and 518 00:27:32,560 --> 00:27:36,200 Speaker 3: twenty thousand dollars Australian each year to being a housekeeper, 519 00:27:36,480 --> 00:27:40,040 Speaker 3: and I just can't imagine that jump and how that 520 00:27:40,080 --> 00:27:44,159 Speaker 3: would have emotionally affected you as well. Just change is 521 00:27:44,200 --> 00:27:47,159 Speaker 3: so dramatic, and I just, I mean awe of you 522 00:27:47,320 --> 00:27:50,440 Speaker 3: sticking to it. Genuinely, I'm so proud of you. And 523 00:27:50,560 --> 00:27:53,080 Speaker 3: you know what, like how lucky are we that you 524 00:27:53,200 --> 00:27:56,119 Speaker 3: want to hang out with us and in our country 525 00:27:56,240 --> 00:27:59,320 Speaker 3: and like you know, contribute to our economy and I 526 00:27:59,400 --> 00:28:02,119 Speaker 3: just think that's it's so cool and so special. 527 00:28:02,880 --> 00:28:03,280 Speaker 5: Thank you. 528 00:28:04,160 --> 00:28:07,000 Speaker 2: The other thing I think people just fully underestimate, which 529 00:28:07,040 --> 00:28:10,679 Speaker 2: is so hard for me to comprehend, is the fact 530 00:28:10,760 --> 00:28:14,800 Speaker 2: that you have come here not speaking any English and 531 00:28:14,880 --> 00:28:20,399 Speaker 2: you've learned an entire language like that is insane to 532 00:28:20,480 --> 00:28:23,680 Speaker 2: me that you could come here and take that leap 533 00:28:23,720 --> 00:28:26,480 Speaker 2: and just think, you know, this is I've got it. 534 00:28:26,520 --> 00:28:29,080 Speaker 2: I can do this when you know, there's lots of 535 00:28:29,080 --> 00:28:31,280 Speaker 2: people that set out to start learning a language and 536 00:28:31,359 --> 00:28:35,160 Speaker 2: give up because it's too hard. You know, that's you 537 00:28:35,200 --> 00:28:38,960 Speaker 2: can speak an entire language that's not native to you 538 00:28:39,000 --> 00:28:40,920 Speaker 2: because you moved here and it was just a choice 539 00:28:40,960 --> 00:28:43,040 Speaker 2: you made, And that's just wild to me. 540 00:28:43,240 --> 00:28:45,120 Speaker 4: I know that that's not really weak money. 541 00:28:44,880 --> 00:28:47,600 Speaker 3: Related, but no, I'm solely ressed. 542 00:28:48,120 --> 00:28:53,120 Speaker 6: Oh wow, that's one of the most expensive courses that 543 00:28:53,240 --> 00:28:55,640 Speaker 6: you can do here is English. 544 00:28:55,720 --> 00:28:58,680 Speaker 5: I really yeah. I think I've paid the same amount 545 00:28:58,720 --> 00:28:59,960 Speaker 5: of money that I pay for. 546 00:29:00,120 --> 00:29:03,880 Speaker 6: My actual bachelor's degree back home just to study English here. 547 00:29:04,080 --> 00:29:04,280 Speaker 5: Yeah. 548 00:29:05,200 --> 00:29:08,800 Speaker 3: I would have taught you for a free job, been 549 00:29:08,840 --> 00:29:17,600 Speaker 3: able to speak properly if you're there logan danger Love, says. 550 00:29:17,400 --> 00:29:23,360 Speaker 6: Tony, saying that I don't want to generalize just saying 551 00:29:23,440 --> 00:29:28,520 Speaker 6: like everyone that comes from South America or Columbia specifically 552 00:29:30,040 --> 00:29:34,120 Speaker 6: it's in the same situation, because that's not how it is. 553 00:29:34,360 --> 00:29:37,040 Speaker 6: Like I've got I've met a few people here that 554 00:29:37,360 --> 00:29:40,800 Speaker 6: they just they learn English back home, because we do 555 00:29:40,920 --> 00:29:44,440 Speaker 6: have English lessons and everything, but people like me never. 556 00:29:44,400 --> 00:29:46,280 Speaker 5: Learn because I just didn't want to. 557 00:29:46,400 --> 00:29:50,000 Speaker 6: I didn't think I need I needed to learn English, 558 00:29:50,080 --> 00:29:54,920 Speaker 6: to be honest. So yeah, I've met people that they 559 00:29:55,000 --> 00:29:57,480 Speaker 6: spoke English people and then they just came here to 560 00:29:57,520 --> 00:30:00,719 Speaker 6: do like a master's and their situation is gone different. 561 00:30:01,360 --> 00:30:04,200 Speaker 3: Yeah, And of course, and I mean that it's not 562 00:30:04,240 --> 00:30:06,560 Speaker 3: to generalize in any way, shape or form, but like 563 00:30:06,640 --> 00:30:09,440 Speaker 3: everybody has a different journey, right, and like this is 564 00:30:09,520 --> 00:30:11,280 Speaker 3: just yours, and we're so lucky that we get to 565 00:30:11,280 --> 00:30:14,120 Speaker 3: share this journey and you know, learn about it. But 566 00:30:14,520 --> 00:30:17,280 Speaker 3: you know, for those people that are on student visas 567 00:30:17,280 --> 00:30:19,560 Speaker 3: at the moment and feel like they're struggling, do you 568 00:30:19,640 --> 00:30:21,920 Speaker 3: have any tips or tricks that made it a bit 569 00:30:21,920 --> 00:30:22,760 Speaker 3: easier for you. 570 00:30:24,160 --> 00:30:28,040 Speaker 6: Yeah, well, I've got so many tips in terms of 571 00:30:28,280 --> 00:30:30,960 Speaker 6: language and also in terms of. 572 00:30:30,840 --> 00:30:33,680 Speaker 3: Like visas, Oh gosh, give us both. 573 00:30:34,080 --> 00:30:38,920 Speaker 6: In terms of language, I think some of the I 574 00:30:38,960 --> 00:30:41,520 Speaker 6: don't know, Like a good piece of advice that someone 575 00:30:41,600 --> 00:30:45,560 Speaker 6: gave me a long time ago was just just get 576 00:30:45,600 --> 00:30:48,360 Speaker 6: out of your comfort zone, because a lot of people 577 00:30:48,680 --> 00:30:51,080 Speaker 6: don't do that. They just stick to what they know. 578 00:30:51,400 --> 00:30:56,800 Speaker 6: So they stick to I don't know, like the Latino community, 579 00:30:56,880 --> 00:30:59,320 Speaker 6: or like people that speak the same language, and they're 580 00:30:59,400 --> 00:31:03,520 Speaker 6: very scare of like hanging up with Australians because they're like, oh, 581 00:31:03,680 --> 00:31:05,600 Speaker 6: I don't know if they're gonna judge me because I 582 00:31:05,640 --> 00:31:10,360 Speaker 6: don't speak well or things like that. Also because our 583 00:31:10,440 --> 00:31:14,520 Speaker 6: cultures are very different. So probably just yeah, get out 584 00:31:14,520 --> 00:31:15,320 Speaker 6: of your comfort. 585 00:31:15,120 --> 00:31:19,080 Speaker 4: Zone, throw yourself in the deep end, make some friends. 586 00:31:19,120 --> 00:31:21,200 Speaker 5: Exactly. It's not impossible. 587 00:31:21,280 --> 00:31:24,120 Speaker 6: Like I did so many weird things, like I joined 588 00:31:24,560 --> 00:31:28,880 Speaker 6: meet up ups and like or will be a ff 589 00:31:29,040 --> 00:31:32,520 Speaker 6: up and everything, and just to go out and meet 590 00:31:32,640 --> 00:31:37,240 Speaker 6: up like weed female friends and male friends and yeah, 591 00:31:37,280 --> 00:31:40,120 Speaker 6: and I watch like TV every day and then just 592 00:31:40,240 --> 00:31:44,000 Speaker 6: like kind of like throw myself into this new language 593 00:31:44,000 --> 00:31:49,440 Speaker 6: and new experience. So I think sometimes people just keep 594 00:31:49,480 --> 00:31:53,400 Speaker 6: working on these jobs that they don't want to work 595 00:31:53,480 --> 00:31:55,520 Speaker 6: or they don't want to do. It's just because they 596 00:31:55,640 --> 00:31:59,880 Speaker 6: feel like they're not good enough in the language. And yeah, 597 00:32:00,080 --> 00:32:02,320 Speaker 6: so that in terms of the language and in terms 598 00:32:02,400 --> 00:32:07,840 Speaker 6: of like the visas, it would be probably have a 599 00:32:07,840 --> 00:32:12,160 Speaker 6: better understanding how the system works, because sometimes we just 600 00:32:12,600 --> 00:32:15,040 Speaker 6: that happened to me, Like I just I didn't know 601 00:32:15,800 --> 00:32:20,520 Speaker 6: how like the visas work. How like I didn't know 602 00:32:20,560 --> 00:32:23,719 Speaker 6: if I had a chance to stay or if I 603 00:32:23,760 --> 00:32:28,160 Speaker 6: had a chance to do things like differently, Sometimes it's 604 00:32:28,240 --> 00:32:33,080 Speaker 6: good if we just seek for advice with an immigration 605 00:32:33,200 --> 00:32:36,920 Speaker 6: lawyer or people like that. That can give us some light. 606 00:32:37,840 --> 00:32:41,920 Speaker 6: It can actually give us some options and say, just 607 00:32:41,960 --> 00:32:45,200 Speaker 6: stop spending your money on this, just go and study 608 00:32:45,240 --> 00:32:47,480 Speaker 6: these or go and I don't know, apply for these 609 00:32:47,520 --> 00:32:50,880 Speaker 6: sort of visa And that's going to give you some relief, 610 00:32:51,440 --> 00:32:54,240 Speaker 6: because that's what we think, Like once you are in 611 00:32:54,280 --> 00:32:58,160 Speaker 6: a student visa, you just looking desperately. Okay, what else 612 00:32:58,200 --> 00:32:59,560 Speaker 6: can I do? I just want to stay. I just 613 00:32:59,560 --> 00:33:02,240 Speaker 6: want to stay, you know. So once you just seek 614 00:33:02,280 --> 00:33:05,680 Speaker 6: for a professional advice, yeah, that's going to make you 615 00:33:05,800 --> 00:33:06,440 Speaker 6: life easier. 616 00:33:06,600 --> 00:33:08,080 Speaker 5: Probably is it. 617 00:33:08,120 --> 00:33:13,080 Speaker 2: Quite expensive to speak with an immigration lawyer or like 618 00:33:13,200 --> 00:33:14,360 Speaker 2: is that quite accessible? 619 00:33:15,480 --> 00:33:18,080 Speaker 5: It is? But yeah, it is very expensive. 620 00:33:18,400 --> 00:33:22,560 Speaker 2: Did you engage an immigration lawyer to get everything in 621 00:33:22,600 --> 00:33:23,600 Speaker 2: an order for you? 622 00:33:23,760 --> 00:33:25,640 Speaker 5: Or yeah? 623 00:33:25,760 --> 00:33:30,240 Speaker 6: I did so once I stopped studying English when I 624 00:33:30,280 --> 00:33:34,400 Speaker 6: wanted to study something else because I wanted to study 625 00:33:34,400 --> 00:33:38,880 Speaker 6: something related to the jobs that I could apply in Australia. 626 00:33:39,560 --> 00:33:46,200 Speaker 6: So I yeah, I spoke to an immigration lawyer and 627 00:33:46,280 --> 00:33:48,920 Speaker 6: I think it was like thirty minutes and I had 628 00:33:48,920 --> 00:33:50,640 Speaker 6: to pay like three hundred dollars something. 629 00:33:52,080 --> 00:33:57,320 Speaker 3: Oh, my old nurse, and he so much money, especially 630 00:33:57,320 --> 00:33:58,960 Speaker 3: when you're not earning much at all. 631 00:33:59,640 --> 00:34:01,840 Speaker 6: I think he basically told me I needed to go 632 00:34:01,920 --> 00:34:04,400 Speaker 6: back to my country because my career wasn't good here, 633 00:34:05,080 --> 00:34:05,680 Speaker 6: and I was. 634 00:34:07,080 --> 00:34:12,280 Speaker 2: I was just in tears, but rightfully, so that's horrible. 635 00:34:12,360 --> 00:34:12,560 Speaker 5: Yeah. 636 00:34:12,600 --> 00:34:17,720 Speaker 6: After that experience, I took to more people and friends, 637 00:34:17,800 --> 00:34:23,400 Speaker 6: and the South American community here is super big, so 638 00:34:23,840 --> 00:34:27,280 Speaker 6: everyone kind of like know what like each. 639 00:34:27,120 --> 00:34:30,440 Speaker 5: Process is about. That's good. 640 00:34:30,800 --> 00:34:31,040 Speaker 7: Yeah. 641 00:34:31,320 --> 00:34:34,560 Speaker 6: So that's when I realized like, oh, okay, I've got 642 00:34:34,800 --> 00:34:38,680 Speaker 6: a lot of opportunities actually, like I can find a 643 00:34:38,800 --> 00:34:42,920 Speaker 6: company that can give me a sponsorship, or I can 644 00:34:43,239 --> 00:34:48,279 Speaker 6: I don't know, just like change my career kind of 645 00:34:48,520 --> 00:34:51,160 Speaker 6: and study a master's degree in these and that's going 646 00:34:51,200 --> 00:34:54,759 Speaker 6: to give me another chance to stay here or yeah, 647 00:34:54,880 --> 00:34:57,759 Speaker 6: just like no, I'm not I don't want to say, 648 00:34:57,800 --> 00:34:59,640 Speaker 6: like I meet someone and get on a. 649 00:34:59,719 --> 00:35:07,200 Speaker 7: Part visa because that's not the ideal. That wasn't my 650 00:35:07,239 --> 00:35:10,120 Speaker 7: plan when I met my partner, just a side not. 651 00:35:11,960 --> 00:35:14,239 Speaker 3: Yeah. Now I feel like if that was your plan, 652 00:35:14,400 --> 00:35:17,600 Speaker 3: my friend, you would have done it a lot earlier. Yeah, 653 00:35:17,960 --> 00:35:20,200 Speaker 3: not wasted, not wasted all that time. 654 00:35:20,560 --> 00:35:22,839 Speaker 5: Yeah yeah. 655 00:35:22,880 --> 00:35:25,360 Speaker 6: So yeah, once you kind of like an ask around 656 00:35:25,440 --> 00:35:28,920 Speaker 6: and you just john't decide to do things just on 657 00:35:28,960 --> 00:35:34,120 Speaker 6: your own, because sometimes that's not the best option. So yeah, 658 00:35:34,200 --> 00:35:36,799 Speaker 6: once you do that, I think you have more clarity 659 00:35:36,960 --> 00:35:40,160 Speaker 6: in terms of visas and processes. And also the law 660 00:35:40,280 --> 00:35:43,279 Speaker 6: changes every single year, so we need to be up 661 00:35:43,280 --> 00:35:44,560 Speaker 6: to day with that as well. 662 00:35:45,200 --> 00:35:48,520 Speaker 3: Oh my gosh, it's so complex, and I'm so grateful 663 00:35:48,520 --> 00:35:50,400 Speaker 3: that we've gotten to learn a little bit more about 664 00:35:50,440 --> 00:35:53,360 Speaker 3: you and your journey and the journey of other people 665 00:35:53,400 --> 00:35:56,239 Speaker 3: in similar situations to you, who are trying to go 666 00:35:56,320 --> 00:35:58,560 Speaker 3: through the visa process and do want to stay and 667 00:35:58,719 --> 00:36:01,319 Speaker 3: actually want to get a good job here because you 668 00:36:01,360 --> 00:36:04,680 Speaker 3: are smart, capable humans and you just have to learn 669 00:36:04,719 --> 00:36:08,200 Speaker 3: the language. Like it's crazy to think how much language 670 00:36:08,280 --> 00:36:11,440 Speaker 3: is a barrier for so many, like and what opportunity 671 00:36:11,480 --> 00:36:15,920 Speaker 3: we're missing because learning another language is so challenging. Like, 672 00:36:15,960 --> 00:36:18,520 Speaker 3: as you said before, it's not just the language. It's 673 00:36:18,600 --> 00:36:21,360 Speaker 3: so expensive to learn as well, which I'm sure is 674 00:36:21,360 --> 00:36:24,000 Speaker 3: a massive barrier for so many other people as well. 675 00:36:24,040 --> 00:36:27,280 Speaker 3: But oh my gosh, so grateful to have shared your story. 676 00:36:28,120 --> 00:36:33,000 Speaker 4: Thank you, thank you for sending in your journey and 677 00:36:33,040 --> 00:36:36,600 Speaker 4: sharing it with us, because it's. 678 00:36:35,480 --> 00:36:37,839 Speaker 2: Honestly such an eye amner, and I think there's going 679 00:36:37,920 --> 00:36:40,480 Speaker 2: to be a lot of people in our community that 680 00:36:40,560 --> 00:36:43,040 Speaker 2: listen to this that have either been through what you've 681 00:36:43,080 --> 00:36:45,480 Speaker 2: been through and you know, risked it all and moved 682 00:36:46,040 --> 00:36:49,160 Speaker 2: overseas and tried to learn a new language, or people 683 00:36:49,200 --> 00:36:51,440 Speaker 2: that would really like to do that and you know, 684 00:36:51,640 --> 00:36:54,080 Speaker 2: use you as a bit of inspiration. So it's been 685 00:36:54,280 --> 00:36:56,439 Speaker 2: like such a pleasure to have you on. 686 00:36:57,080 --> 00:36:59,600 Speaker 5: Thank you so much. I enjoy listening to the podcast 687 00:36:59,600 --> 00:37:00,560 Speaker 5: every week. 688 00:37:00,960 --> 00:37:02,799 Speaker 3: Oh my gosh, I love that. 689 00:37:03,560 --> 00:37:07,440 Speaker 5: Yeah, I've learned a lot, a lot. Oh I'm so glad. 690 00:37:07,480 --> 00:37:09,680 Speaker 3: Well, I hope you keep learning and you keep hanging 691 00:37:09,719 --> 00:37:11,880 Speaker 3: out with us on the podcast every week. 692 00:37:13,000 --> 00:37:14,200 Speaker 5: Yes, definitely I will. 693 00:37:15,520 --> 00:37:18,040 Speaker 3: All right, Well, I think that is all we have 694 00:37:18,160 --> 00:37:21,600 Speaker 3: time for today, but as always, just before we head off, 695 00:37:21,640 --> 00:37:24,879 Speaker 3: we'd like to acknowledge and pay respect to Australia's Aboriginal 696 00:37:24,920 --> 00:37:28,560 Speaker 3: and torrist Straight Islander peoples. They're the traditional custodians of 697 00:37:28,640 --> 00:37:32,120 Speaker 3: the lands, the waterways and the skies all across Australia. 698 00:37:32,480 --> 00:37:34,480 Speaker 3: We thank you for sharing and for caring for the 699 00:37:34,560 --> 00:37:37,000 Speaker 3: land on which we are able to learn. We pay 700 00:37:37,000 --> 00:37:39,520 Speaker 3: our respects to elders past and present, and we share 701 00:37:39,520 --> 00:37:41,399 Speaker 3: our friendship and our kindness. 702 00:37:41,760 --> 00:37:44,320 Speaker 2: The advice shared on She's on the Money is generally 703 00:37:44,400 --> 00:37:48,160 Speaker 2: nature and does not consider your individual circumstances. She's on 704 00:37:48,200 --> 00:37:51,440 Speaker 2: the Money exists purely for educational purposes and should not 705 00:37:51,480 --> 00:37:54,360 Speaker 2: be relied upon to make an investment or financial decision. 706 00:37:54,880 --> 00:37:58,520 Speaker 2: And we promise that Victoria Divine is an authorized representative 707 00:37:58,560 --> 00:38:02,360 Speaker 2: of Australia Pacific Funds Management Proprietary Limited a b N 708 00:38:02,520 --> 00:38:05,000 Speaker 2: three four one three two four six three two five 709 00:38:05,080 --> 00:38:08,080 Speaker 2: seven AFSL three three nine one five one. 710 00:38:08,239 --> 00:38:10,600 Speaker 3: I will hang out with you next week on Money Diary. 711 00:38:10,640 --> 00:38:11,640 Speaker 3: SI soon, guys. 712 00:38:11,680 --> 00:38:13,560 Speaker 1: Bye,