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Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana Kaka yah y and beIN ah Waka Nian

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Speaker 1: our gay In Mbina yakarum jar Dominyamka Domaga Ithawaka Woman,

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Speaker 1: damon Imlan bomber bang Gadabomba in and now in wakah

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Speaker 1: Ghana yak rum jar Watnadaa. Hello, beautiful friends, we gather

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Speaker 1: on the lands of the Aboriginal people. We thank acknowledge

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Speaker 1: and respect the Abigin people's land that we're gathering on today.

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Speaker 1: Take pleasure in all the land and respect all that

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Speaker 1: you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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

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Speaker 2: welcome to She's on the Money, the podcast that lets

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Speaker 2: you do pervy about other people's money habits for educational purposes,

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Speaker 2: of course. Welcome back to another one of our money

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Speaker 2: darries where we get the absolute pleasure of sitting down

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Speaker 2: and talking with one of our incredible She's on the

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Speaker 2: Money community members all about their journey. Let's jump straight

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Speaker 2: into it, because this week I got a message and

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Speaker 2: it sounded exactly like this, dear, she's on the money.

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Speaker 2: My solo mother raised my brother and me for the

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Speaker 2: majority of our childhood. Until I was around thirteen years old.

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Speaker 2: I would watch my mum sit there for hours shuffling

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Speaker 2: money around across credit cards just to pay bills. We

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Speaker 2: didn't go without, but we knew things were tight. Fast

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Speaker 2: forward to twenty eight I've completed a four year business degree.

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Speaker 2: I've paid off a thirty thousand dollars student loan in

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Speaker 2: five years, started working full time, and received eight pay

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Speaker 2: rises in the space of five years. Then two months ago,

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Speaker 2: I left my job to take a work opportunity in

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Speaker 2: Japan for the next two years, but I left my friends,

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Speaker 2: my family, and my husband back home in the interim.

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Speaker 2: Money doarist welcome to the show. That's big.

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Speaker 3: It's massive. Thank you, Victoria.

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Speaker 2: That is so big, Like, I don't know what it

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Speaker 2: would take to get me to move countries, to leave

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Speaker 2: my friends and my family and my husband. So before

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Speaker 2: I get to know the nedy gritty of your story,

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Speaker 2: I'm going to ask the same question I ask everybody money, Doris,

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Speaker 2: to what grade would you give your money habits If

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Speaker 2: I asked you to give them a grade from A

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Speaker 2: through to F, I.

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Speaker 3: Would give myself a B. I have come a long way,

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Speaker 3: especially in the last five years, but there is still

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Speaker 3: a long way to go.

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Speaker 2: I feel like I need to know more because it

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Speaker 2: sounds like you're pretty savvy. You've paid off a thirty

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Speaker 2: thousand dollar student loan in only five years, and you've

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Speaker 2: got eight pay rises in the space of five years.

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Speaker 2: Money Darist, can you tell me a little bit more

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Speaker 2: about your money story.

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Speaker 3: Yeah, So, like you said, my brother and I grew

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Speaker 3: up with the solo mum, and I knew it was

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Speaker 3: tight watching her manage her finances, and my dad was

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Speaker 3: kind of in and out for the majority of my

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Speaker 3: childhood and he kind of was the person who lived

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Speaker 3: out of his back pocket. So growing up, I didn't

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Speaker 3: have the best role models with money. And then when

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Speaker 3: my mom met my stepdad at age thirteen, we moved

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Speaker 3: in with him and his children and they have Kiwi fruit,

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Speaker 3: avocados and dairy. So from there I had the opportunity

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Speaker 3: to start working in the family business, and I got

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Speaker 3: the opportunity to learn about diversification, and they're not afraid

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Speaker 3: to spend money to make money, and it gave me

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Speaker 3: a whole new perspective on managing money, not being scared

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Speaker 3: of it, and yeah, just really working hard to achieve

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Speaker 3: something that's crazy.

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Speaker 2: Tell me a little bit more about that journey and

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Speaker 2: about I guess what that means for you now?

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Speaker 3: Yeah, obviously, like working in Kiwifruit in New Zealand, there

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Speaker 3: are lots of opportunities if you're willing to work hard

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Speaker 3: for it. So I was given an opportunity to work

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Speaker 3: in a company through my step dad, so he knew

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Speaker 3: the context there and I started off just at ground

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Speaker 3: level there and about three months I was moved up

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Speaker 3: to supervisor. Six months after that I got promoted, so

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Speaker 3: I see, and then shortly after that I was made manager.

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Speaker 3: All through I give credit to my stepdad for helping

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Speaker 3: me get a foot in the door in the industry there,

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Speaker 3: but also teaching me hard to work really hard and

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Speaker 3: encouraging my passion to work in horticulture.

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Speaker 2: So tell me what does it mean to work in

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Speaker 2: keyw fruit?

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Speaker 1: Is this?

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Speaker 2: I don't know. We've all seen the tiktoks where in

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Speaker 2: Japan the apples are like thirty dollars each and pressteine.

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Speaker 2: Is that the type of I guess fruit production you're in.

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Speaker 2: Talk to me what does it mean to actually grow

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Speaker 2: keyw fruit in Japan.

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Speaker 3: It's a learning expert sperience, that's for sure. The climate

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Speaker 3: here is crazy. It is hot in summer, like thirty

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Speaker 3: degrees plus. It's cold in winter. It snow's here. You're

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Speaker 3: having to irrogate to keep the plants alive. The soil

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Speaker 3: is completely different from New Zealand. So this whole process

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Speaker 3: has been a learning curve, not an easy one at that.

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Speaker 3: But yes, it's obviously we grow for Zesprie, so the

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Speaker 3: brand as a premium so we're trying to grow a

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Speaker 3: premium product here. And yeah, put a beautiful piece of

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Speaker 3: fruit on the shelf.

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Speaker 2: That's very cool. So talk to me a bit more.

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Speaker 2: You've made this decision to literally leave your home country

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Speaker 2: and go to Japan to work for the next two years.

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Speaker 2: What type of position is that going to put you in.

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Speaker 3: I'm not fully sure when I get back to New

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Speaker 3: Zealand what work will look like for me. Currently, I'm

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Speaker 3: in a management position looking after like can we fruit

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Speaker 3: start to finish? So I'm hoping it's more like operations

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Speaker 3: manager role or something about higher up. But yeah, I

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Speaker 3: do love growing and being outside and working with the team.

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Speaker 3: It's a really good feeling.

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Speaker 2: I love that. And are you moving overseas to get

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Speaker 2: I guess, more experience or like so that you come

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Speaker 2: home to a better career, or like what has possessed

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Speaker 2: you to go. I'm leaving my friends and my family

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Speaker 2: and my husband for the interim.

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Speaker 3: The money was a bergue, and obviously the experience of

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Speaker 3: growing in a different country and just to grow myself

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Speaker 3: really personally and professionally.

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Speaker 2: Yeah, you're only twenty eight. I feel like you're still

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Speaker 2: a baby. I feel like I am a baby. You

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Speaker 2: are not, really, I just feel like anyone younger than

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Speaker 2: me must still be a juvenile. But money, Doris, I

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Speaker 2: want to know what is your official job title and

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Speaker 2: how much money do you earn?

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Speaker 3: My official job title is KP thru Orchard Manager and

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Speaker 3: I'm earning one hundred and forty thousand dollars gross.

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Speaker 2: One forty wow? And is that like, is there tax

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Speaker 2: implications of earning in a different country.

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Speaker 3: I get paid back in New Zealand into my New

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Speaker 3: Zealand bank account, so there's some tax things that go

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Speaker 3: on in the background that the company deal with for

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Speaker 3: me on my behalf.

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Speaker 2: That's pretty cool. And is this kind of like a secondment,

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Speaker 2: Like you said, you work for like zespre which is

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Speaker 2: a premium keyw fruit brand. Have they kind of like

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Speaker 2: sent you over there and there might be opportunities when

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Speaker 2: you get back home. Is that kind of how it works?

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Speaker 3: So I work for a different company back home, but

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Speaker 3: Zesprey is the marketing side of the fruit that we sell,

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Speaker 3: So they're like a single desk that all gold Kiwi

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Speaker 3: fruit goes through.

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Speaker 2: They're my favorite client just for the record.

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Speaker 3: Yeah, they're pretty good in terms of back home. I've

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Speaker 3: always wanted to work for Zesprey. That again, that's not

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Speaker 3: sure where that will lead yet.

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Speaker 2: Oh I reckon if we manifested, it could happen. Talk

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Speaker 2: to me. You've moved overseas, you're earning one hundred and

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Speaker 2: forty grand. What are your big money goals? What are

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Speaker 2: you currently working towards.

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Speaker 3: It's always been my dream to buy my first home

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Speaker 3: and live the key we dream out in the countryside

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Speaker 3: somewhere with a few animals. But lately my mindset's changed

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Speaker 3: a bit. Now after realizing that buying a home for

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Speaker 3: me to live in isn't actually an investment. So now

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Speaker 3: I'd say my money go is to more heavily invest

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Speaker 3: and just plan some more travel.

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Speaker 2: Awesome, So let's go to a really quick break because

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Speaker 2: on the flip side, I want to know more about Japan.

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Speaker 2: I want to know more about investing and debt, invest

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Speaker 2: in worse money habits. So guys don't go anywhere. All right,

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Speaker 2: money diarist, we are back, and I want to know

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Speaker 2: you have a very nice income. You've moved all the

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Speaker 2: way overseas to be able to I guess save and invest.

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Speaker 2: What's the plan around investing? Are you investing or what

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Speaker 2: are your thoughts on it?

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Speaker 3: I do invest a tiny bit. I have one than

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Speaker 3: two hundred and fifty five dollars invested in Cheers this.

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Speaker 2: I feel like you've got the right accent. You've got

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Speaker 2: the right accent to be investing in Chersias.

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Speaker 3: Yeah, just not fully confident in what I'm doing here,

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Speaker 3: So little bits at a time.

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Speaker 2: No, that makes absolute sense, And like would the big

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Speaker 2: money goals you're working towards if you've got like aggressive

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Speaker 2: savings accounts, or is the plan to get a little

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Speaker 2: bit more confident with investing, Like, what are we looking

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Speaker 2: at when it comes to finances.

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Speaker 3: I put into Kiwi service, so I've got forty seven thousand,

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Speaker 3: two hundred dollars in there, and that's in an aggressive fund,

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Speaker 3: so it's meant to be returning nine point six percent.

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Speaker 2: Oh nice.

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Speaker 3: And then I have sixty one thousand, three hundred in

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Speaker 3: a savings account, but that's only returning two point three percent.

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Speaker 2: And what's the plan with that? Or are you just

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Speaker 2: a big saver?

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Speaker 3: I would love to invest quite a bit of what's

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Speaker 3: just setting in my savings account is it's not really

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Speaker 3: doing much for me, So I guess the next step

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Speaker 3: would be to talk to a financial advisor on where

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Speaker 3: I should be putting that money.

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Speaker 2: Very fair, so talk to me about what the future

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Speaker 2: looks like. That's a lot of savings and I feel

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Speaker 2: like you are absolutely killing it. Is the plan to

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Speaker 2: save up as much of your salary as possible. Like

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Speaker 2: do you get any type of living away from home

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Speaker 2: allowance or anything that kind of helps you live in Japan?

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Speaker 3: Yes? So the house I'm in is fully provided, so

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Speaker 3: I don't pay rent, I don't pay power, I don't

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Speaker 3: pay internet. I have a vehicle fully provided for me.

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Speaker 3: I get to return fly it's home to New Zealand

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Speaker 3: a year, which my husband can also use as well

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Speaker 3: to come and visit. I am funneling away as much

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Speaker 3: money as possible. Living costs in Japan are very low.

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Speaker 2: I was about to say, I've heard that living costs

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Speaker 2: in Japan are low, So like, talk to me, like,

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Speaker 2: what are the biggest culture shocks, Like what's it like

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Speaker 2: going from living in New Zealand, which is a very

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Speaker 2: western way of living to living in Japan? And like

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Speaker 2: I saw you before on your zoom camera before we

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Speaker 2: decided to turn them off to make the internet work

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Speaker 2: a little bit better. And I was like, oh, she's

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Speaker 2: definitely in a very Japanese establishment at the moment.

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Speaker 3: Yes, my house it's very Japanese. The doorways are tiny,

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Speaker 3: We've got tatami mats on the floor, and it's very Japanese.

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Speaker 3: And the countryside where I am living the biggest culture shock.

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Speaker 3: To be fair, it's probably been quite easy to transition here.

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Speaker 3: It's more so maybe the food. The food is totally different.

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Speaker 3: It's delicious, but definitely not what I'm used to. Communication

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Speaker 3: is massive, like trying to talk to people and rural Japan.

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Speaker 3: There's just not much English happening. See you if to

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Speaker 3: Google translate everything.

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Speaker 2: I was about to ask, like, how's your Japanese if

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Speaker 2: you're living and working in Japan. Is that something that

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Speaker 2: you're working on or you came fully prepared? What did

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Speaker 2: that look like?

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Speaker 3: No, I'm working on her. I would like to start classes.

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Speaker 3: I'm only coming up to my third month here, so

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Speaker 3: I've still been settling in a bit about Yes, I

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Speaker 3: would love to start learning Japanese. But for now, I

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Speaker 3: have a full time translator who works with me on

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Speaker 3: the orchard, so I can convey to USS, to the team,

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Speaker 3: and if I need to go to the doctors or whatever,

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Speaker 3: she's always there to help me.

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Speaker 2: Oh my god. So hold on this company that we're

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Speaker 2: working for, fully provided home, fully provided car. You've got

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Speaker 2: two return flights back and forth through New Zealand each year.

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Speaker 2: There's a translator that follows you around. Like this sounds

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Speaker 2: like a good gig. How did you fall into going?

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Speaker 3: You know what?

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Speaker 2: This is what I want to do? Like did you

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Speaker 2: just apply? I know you said that your father in

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Speaker 2: law is somehow involved. I need more info. How do

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Speaker 2: we get a job like this because it sounds like

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Speaker 2: a dream.

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Speaker 3: So I've been working in Kiri for it for five

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Speaker 3: years now. I am one of my good friends that

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Speaker 3: I went to university with. Her dad is who I'm

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Speaker 3: working for at the moment, and he's asked me three

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Speaker 3: times to come over, actually, but I kept laughing at

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Speaker 3: him and saying no, And I actually hid a horse

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Speaker 3: and stuff back home so I couldn't anyway. Once he

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Speaker 3: passed away last year kind of freed up my responsibility somewhat,

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Speaker 3: so I decided to play with the idea and talk

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Speaker 3: to my husband and see what he thought about it.

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Speaker 3: And we both thought it was an amazing opportunity, a

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Speaker 3: good way to save a fair chunk of money each

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Speaker 3: month so we could buy a house when I got home. Yeah,

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Speaker 3: I guess the opportunity just presented itself, but I did

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Speaker 3: not go searching for it.

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Speaker 2: That's really cool. Talk to me, how do you have

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Speaker 2: that conversation with your husband, because I don't know if

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Speaker 2: mine would be that down for me literally leaving for

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Speaker 2: two years, What does your husband do and how did

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Speaker 2: that conversation come to fruition.

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Speaker 3: My husband is also in ky Fruit, so we used

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Speaker 3: to work for the same company.

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Speaker 2: Very cute, I assumed, given your father in law. I

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Speaker 2: was like, this is a family affair.

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Speaker 3: Yeah. Yeah, we worked for the same company. So I

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Speaker 3: grew the kii fruit back home and he would tell

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Speaker 3: the grower winter harvest to get the Optomen payout and

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Speaker 3: obviously provides support throughout the year. So he came on

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Speaker 3: to work for my client our clients as well. So

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Speaker 3: that's how we met. How I approached the situation, I

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Speaker 3: kind of just brought it up lightheartedly a couple of times,

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Speaker 3: and I guess the time I brought it up, things

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Speaker 3: weren't quite right with work or family or animals, so

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Speaker 3: just kind of kept pushing it to the side, and

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Speaker 3: then it got brought up again, so we sat down

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Speaker 3: and had a bigger conversation about it. He couldn't come

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Speaker 3: with me because he has an eleven year old son

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Speaker 3: back home. Oh right, so that's why we have to

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Speaker 3: do the long distance. But yeah, he'll be coming over

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Speaker 3: in September with his son again, so we're going to

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Speaker 3: plan a few cool trips and hang out as a

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Speaker 3: family then. But for now, we're making the best of

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Speaker 3: the situation for the long term goal.

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Speaker 2: Yeah, that is very cool. Honestly, the idea that you

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Speaker 2: guys can basically save I would say almost your entire salary,

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Speaker 2: Is that right?

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Speaker 3: Yeah, Well, my total outgoing expenses are only two four

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Speaker 3: hundred and sixty one a month, so I'm pretty much

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Speaker 3: saving four thousand, six hundred each month.

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Speaker 2: That's actually so cool, And I like that you're so specific.

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Speaker 2: You're like, well, my outgoings are x and my savings

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Speaker 2: are Like that is very cool. You mentioned before, like

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Speaker 2: I'm a bee and I've come along Wait in the

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Speaker 2: past five years. Talk to me about what that means,

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Speaker 2: because you just showed me before your money story you

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Speaker 2: wrote in you said, you know, for your business degree,

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Speaker 2: I paid off my thirty thousand student loan in five years,

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Speaker 2: and like I've had eight pay rises in the space

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Speaker 2: of five years. Like, what do you mean You've come

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Speaker 2: a long way? Where did we start?

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Speaker 3: Like?

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Speaker 2: Were you not good at money? What did you mean

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Speaker 2: by that?

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Speaker 3: Yeah? I was not good at money. I guess I

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Speaker 3: didn't know how to manage money very well. From my upbringing.

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Speaker 3: There was never savings or that I saw anyway. It

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Speaker 3: was always a lot of stress, in a lot of

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Speaker 3: anxiety around money during school, like school holidays, I would

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Speaker 3: go out and work on the orchard once we had

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Speaker 3: moved and with my step dad. So I guess that

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Speaker 3: was my introduction to learning how to work hard for

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Speaker 3: money and not taking it for granted that money would

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Speaker 3: always just keep flowing as well.

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Speaker 2: Yeah, that's so fair.

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Speaker 3: Yeah, that was the basis of where it started to

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Speaker 3: change for me. And then in university, obviously no students

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Speaker 3: really have an encounter, so to speed back, I did

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Speaker 3: have a part time job and some student allowance that

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Speaker 3: helped me get by. I think it was university when

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Speaker 3: I stumbled across your podcast, actually, and I was just

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Speaker 3: addicted to it. You help me build my spreadsheet for

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Speaker 3: all my finances. I love that I've done all this

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Speaker 3: stuff that I didn't know I did. You're like, you

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Speaker 3: helped me do this, and I'm like, Slay, of course

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Speaker 3: I did. Yep, I was absolutely right there. I remember, Yes,

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Speaker 3: I just started taking accountability for my money.

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Speaker 2: It's really hard, though. I feel like if you've grown

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Speaker 2: up with a different money story, then finally taking accountability

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Speaker 2: can be really hard or really challenging. Like it's not

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Speaker 2: like at the end of the day, I try to

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Speaker 2: make it sound sexy, but it's not that fun, Like

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Speaker 2: it's not that exciting, but it's really important, right right, Yeah,

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Speaker 2: So talk to me. Do you have some good money habits.

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Speaker 2: If so, what do you think your best money habit is.

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Speaker 3: I would say my best money habit now is not

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Speaker 3: impulse buy. I think things through for a long time

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Speaker 3: before making the actual purchase, and I know where all

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Speaker 3: of my money goes thanks to the spreadsheet that you

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Speaker 3: helped me create. Love.

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Speaker 2: I'm glad that I was there. I definitely remember it.

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Speaker 2: I was absolutely there. And on the flip side, what

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Speaker 2: do you think your worst money habit is?

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Speaker 3: I have money sitting there, but it's not doing much

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Speaker 3: for me, So getting that to its highest potential, I feel.

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Speaker 2: Like that's not a bad money habit though, Like I

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Speaker 2: feel like you are in the right place to learn

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Speaker 2: and grow and change. And I mean, you said I

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Speaker 2: have what was it twelve hundred and fifty five dollars

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Speaker 2: if I'm not incorrect on Shares's, and like you've already

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Speaker 2: got like a really nice amount of savings and you've

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Speaker 2: got plans to kind of increase that. I feel like

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Speaker 2: you're on the right track and we all just kind

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Speaker 2: of do it in our own time.

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Speaker 3: Yes, yes, we do.

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Speaker 2: Any other bad habits you would like to share.

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Speaker 3: Occasionally I'll sign up for like a subscription service for

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Speaker 3: the free week, and then I feel get to cancel it.

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Speaker 2: Yeah, I feel like that happens to the best of us.

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Speaker 2: Like I feel like it's a rite of passage. So

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Speaker 2: tell me, if I said, money Diarist, what would it

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Speaker 2: take for you to get to become an A plus?

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Speaker 2: What would that look like?

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Speaker 3: I would say, do some more research on investing and

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Speaker 3: where I want to put my money so it can

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Speaker 3: work best for me. Work out whether buying my first

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Speaker 3: home is actually what I want to do or if

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Speaker 3: it's more investment property or stocks or something like that

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Speaker 3: I want to put my money in. And also not

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Speaker 3: feel guilty about spending money when I do want something.

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Speaker 3: Sometimes I feel like I should be saving as much

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Speaker 3: as possible and not just assuming that because I have

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Speaker 3: a decent income that I'm allowed to spend as much

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Speaker 3: as I want kind of thing.

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Speaker 2: Yeah, I feel like it can be hard, especially when

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Speaker 2: you're making such a big sacrifice, like you're literally in

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Speaker 2: another country, so you're like, no, I need to say

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Speaker 2: that as much possible. But then also, girl, you are

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Speaker 2: twenty eight in another country. You also need to live

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Speaker 2: a little bit and like make some memories and enjoy

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Speaker 2: the journey as well.

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Speaker 3: Definitely. I've been putting four hundred a month away for

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Speaker 3: when my husband comes to visit, my mum comes to visit.

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Speaker 3: We can do little micro trips around Japan.

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Speaker 2: Oh, that will be literally so cool. When is your

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Speaker 2: mom coming?

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Speaker 3: She comes in two weeks.

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Speaker 2: Oh, so you've got heaps to look forward to because

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Speaker 2: you're a mom coming in two weeks and then your

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Speaker 2: husband coming in September. I feel like that's a good

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Speaker 2: amount of breakup.

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Speaker 3: Yes, definitely, and then I get to go home at

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Speaker 3: Christmas for three to four weeks.

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Speaker 2: Oh, how good is that? I feel like it's all

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Speaker 2: lining up money, darrist I have loved learning about you.

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Speaker 2: I've loved learning a little bit about Kiwi fruit and Japan.

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Speaker 2: Thank you so much for coming on the show. It's

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Speaker 2: been an absolute pleasure having you on. And I know

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Speaker 2: the community You're going to listen to this and be like,

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00:19:49,480 --> 00:19:52,080
Speaker 2: well that was fun. That was a wild ride getting

404
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Speaker 2: to know exactly what happens when you, I guess, decide

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Speaker 2: to get good at money and then make a really

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Speaker 2: big change because of it is very cool.

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Speaker 3: Yeah, definitely, thank you so much for having me.

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Speaker 2: No, of course, it's been a pleasure. The advice shared

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Speaker 2: on She's on the Money is general in nature and

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00:20:13,160 --> 00:20:16,800
Speaker 2: does not consider your individual circumstances. She's on the Money

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00:20:16,960 --> 00:20:20,480
Speaker 2: exists purely for educational purposes and should not be relied

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Speaker 2: upon to make an investment or financial decision. If you

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00:20:23,760 --> 00:20:26,400
Speaker 2: do choose to buy a financial product, read the PDS

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00:20:26,560 --> 00:20:30,520
Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs.

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Speaker 2: Victoria Divine and She's on the Money are authorized representatives

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Speaker 2: of Money. Sheper Pty Ltd A b N three two

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Speaker 2: one six four nine two seven seven zero eight AFSL

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Speaker 2: four five one two eight nine