1 00:00:00,680 --> 00:00:05,040 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order 2 00:00:05,160 --> 00:00:08,760 Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we 3 00:00:08,800 --> 00:00:11,440 Speaker 1: get started on She's on the Money podcast, I would 4 00:00:11,520 --> 00:00:14,520 Speaker 1: like to acknowledge the traditional custodians of the land of 5 00:00:14,560 --> 00:00:18,680 Speaker 1: which this podcast is recorded on a wondery country, acknowledging 6 00:00:18,680 --> 00:00:22,560 Speaker 1: the elders, the ancestors and the next generation coming through 7 00:00:23,040 --> 00:00:27,159 Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and 8 00:00:27,200 --> 00:00:30,560 Speaker 1: the storytelling of you to make a difference for today 9 00:00:31,040 --> 00:00:33,080 Speaker 1: and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,200 Speaker 2: Let's get into it. 11 00:00:34,360 --> 00:00:53,600 Speaker 3: She's on the Money. She's on the Money. 12 00:00:57,280 --> 00:01:00,480 Speaker 4: Hello, and welcome to She's on the Money podcast for 13 00:01:00,560 --> 00:01:04,080 Speaker 4: millennials who want financial freedom. Welcome back to another one 14 00:01:04,080 --> 00:01:06,960 Speaker 4: of our money diaries where I get the absolute pleasure 15 00:01:07,040 --> 00:01:08,679 Speaker 4: of talking to one of our She's on the Money 16 00:01:08,680 --> 00:01:12,680 Speaker 4: community members all about their journey. Let's jump straight into it, 17 00:01:12,720 --> 00:01:15,280 Speaker 4: because this week I got a message and it sounded 18 00:01:15,360 --> 00:01:19,040 Speaker 4: exactly like this. Hi, She's on the Money. I live 19 00:01:19,040 --> 00:01:22,560 Speaker 4: on a cattle station in the Northern Territory, five hundred 20 00:01:22,640 --> 00:01:26,080 Speaker 4: kilometers from the nearest Woolies. I've become a keen saver 21 00:01:26,280 --> 00:01:29,240 Speaker 4: because I have very minimal bills and obviously don't get 22 00:01:29,240 --> 00:01:31,320 Speaker 4: to go to the shops much. I would love to 23 00:01:31,360 --> 00:01:35,920 Speaker 4: share my story and unique lifestyle with the community Money diarists. 24 00:01:36,040 --> 00:01:39,440 Speaker 4: This is wild to be like the idea that you 25 00:01:39,600 --> 00:01:42,240 Speaker 4: have to plan so much to get to woollies. Like 26 00:01:42,280 --> 00:01:44,399 Speaker 4: you can't just pop to the shops on your lunch break, 27 00:01:44,480 --> 00:01:45,480 Speaker 4: can you? 28 00:01:45,520 --> 00:01:46,440 Speaker 2: No? Not at all? 29 00:01:46,760 --> 00:01:49,040 Speaker 4: How long does it take to get to the shops? 30 00:01:49,440 --> 00:01:50,720 Speaker 2: Ah? Five hours? 31 00:01:50,760 --> 00:01:52,440 Speaker 4: Like you jump in the car and you drive for 32 00:01:52,520 --> 00:01:53,560 Speaker 4: five hours? 33 00:01:53,840 --> 00:01:54,040 Speaker 2: Yeah? 34 00:01:54,160 --> 00:01:55,640 Speaker 4: And how often do you do that? 35 00:01:56,080 --> 00:01:57,720 Speaker 2: Once a month or a bit over a month? 36 00:01:57,840 --> 00:02:00,800 Speaker 4: Oh my gosh? And does everyone just get in the car? 37 00:02:00,840 --> 00:02:02,200 Speaker 4: Who goes? What's the plan? 38 00:02:02,880 --> 00:02:05,400 Speaker 2: It depends. Sometimes it could just be me. 39 00:02:05,840 --> 00:02:08,040 Speaker 5: But then sometimes we'll try working in if we have 40 00:02:08,120 --> 00:02:09,760 Speaker 5: to go to town to pick up parts or something, 41 00:02:09,800 --> 00:02:11,200 Speaker 5: we're like, we'll just get a store water. 42 00:02:11,280 --> 00:02:14,160 Speaker 4: Then yeah, that's fair. So I need to know, like 43 00:02:14,200 --> 00:02:16,080 Speaker 4: what happens if all these doesn't have the thing that 44 00:02:16,120 --> 00:02:17,400 Speaker 4: you drove into town to get. 45 00:02:17,639 --> 00:02:19,480 Speaker 5: Well, because we do click and collect, we sort of 46 00:02:19,520 --> 00:02:23,080 Speaker 5: don't find out till after so you sort of just 47 00:02:23,160 --> 00:02:25,520 Speaker 5: gotta live without it for another month or so. 48 00:02:25,960 --> 00:02:29,320 Speaker 4: No, obviously you can't just get a new roots delivery 49 00:02:29,320 --> 00:02:31,320 Speaker 4: there can you? I can't just be like, oh, we 50 00:02:31,440 --> 00:02:34,120 Speaker 4: forgot the butt, I don't worry about it. You'd literally 51 00:02:34,160 --> 00:02:35,800 Speaker 4: have to basically make your own, wouldn't you. 52 00:02:36,280 --> 00:02:39,120 Speaker 5: Yes, yeah, yeah, I have a checklist I try to follow, 53 00:02:39,200 --> 00:02:40,760 Speaker 5: so I try not to forget anything. 54 00:02:40,919 --> 00:02:42,560 Speaker 4: Oh my gosh. All right, well, I'm sure this is 55 00:02:42,600 --> 00:02:45,440 Speaker 4: going to come up again. I have so many questions 56 00:02:45,440 --> 00:02:48,720 Speaker 4: about this life. But before we get there, let's jump 57 00:02:48,760 --> 00:02:51,600 Speaker 4: into the structured questions that I always like to ask 58 00:02:51,720 --> 00:02:54,120 Speaker 4: money dost. I want to know, from the top, what 59 00:02:54,280 --> 00:02:56,200 Speaker 4: grade would you give your money habits if we asked 60 00:02:56,200 --> 00:02:58,120 Speaker 4: you to give them a grade from A through to F. 61 00:02:58,320 --> 00:03:02,600 Speaker 4: Probably a C plus C plus all right for someone 62 00:03:02,639 --> 00:03:05,519 Speaker 4: who literally can't get to the shops easily. I need 63 00:03:05,520 --> 00:03:08,600 Speaker 4: to know more about this. Tell me a bit more 64 00:03:08,639 --> 00:03:10,919 Speaker 4: about your money story. I feel like I'm so excited 65 00:03:10,919 --> 00:03:11,840 Speaker 4: to hear this one. 66 00:03:11,919 --> 00:03:12,200 Speaker 2: Well. 67 00:03:12,280 --> 00:03:15,680 Speaker 5: I grew up in like not small city, i'd say, 68 00:03:16,040 --> 00:03:19,200 Speaker 5: with five other siblings. So it was a big family, 69 00:03:19,840 --> 00:03:22,440 Speaker 5: and so we didn't go without, but we didn't get 70 00:03:22,480 --> 00:03:25,280 Speaker 5: everything we wanted because it was like, you know, a 71 00:03:25,320 --> 00:03:27,720 Speaker 5: lot of kids to pay for everything. So we started 72 00:03:27,760 --> 00:03:30,840 Speaker 5: working at a young age, me and my twin sister. 73 00:03:31,000 --> 00:03:34,400 Speaker 5: We started working when we're eleven, just delivering junk maut 74 00:03:34,840 --> 00:03:36,400 Speaker 5: and I feel like that gave us like. 75 00:03:36,360 --> 00:03:37,600 Speaker 2: A really good work ethic. 76 00:03:38,320 --> 00:03:41,560 Speaker 5: And then yeah, throughout school, we always had a part 77 00:03:41,600 --> 00:03:42,720 Speaker 5: time job. 78 00:03:43,040 --> 00:03:45,080 Speaker 2: Saving spending a bit. 79 00:03:45,200 --> 00:03:49,000 Speaker 5: But as soon as I graduated school, I didn't even 80 00:03:49,400 --> 00:03:52,600 Speaker 5: go to my graduation. I went down to wa for 81 00:03:52,920 --> 00:03:56,760 Speaker 5: the harvest and just saved about fifteen grand within three months. 82 00:03:56,920 --> 00:03:59,880 Speaker 5: Oh my gosh, I'd chased a binge driver and then 83 00:04:00,240 --> 00:04:02,360 Speaker 5: my first car, and then I moved to the cattle station. 84 00:04:02,600 --> 00:04:03,640 Speaker 2: Like straight after that. 85 00:04:03,640 --> 00:04:07,040 Speaker 4: You were like, I do not have a plan to graduate. Thanks, 86 00:04:07,200 --> 00:04:09,400 Speaker 4: just post me the certificate. I'll pick it up when 87 00:04:09,440 --> 00:04:12,320 Speaker 4: I'm in town. Yeah, I'm off. I was living on 88 00:04:12,360 --> 00:04:14,680 Speaker 4: a cattle station, always a plan, Like is this a 89 00:04:14,720 --> 00:04:17,359 Speaker 4: family cattle station or is this you going? This is 90 00:04:17,400 --> 00:04:18,360 Speaker 4: the life I want to live? 91 00:04:18,440 --> 00:04:18,520 Speaker 1: Like? 92 00:04:18,600 --> 00:04:21,200 Speaker 4: How did you end up on a cattle station when 93 00:04:21,279 --> 00:04:23,680 Speaker 4: you grew up in I won't say major city, but 94 00:04:23,760 --> 00:04:25,400 Speaker 4: like a relatively large city. 95 00:04:25,800 --> 00:04:26,800 Speaker 2: No, I don't know. 96 00:04:26,960 --> 00:04:30,279 Speaker 5: I didn't know what I wanted to do all throughout school, 97 00:04:30,560 --> 00:04:32,120 Speaker 5: and I was like, oh, I don't want to be 98 00:04:32,279 --> 00:04:34,800 Speaker 5: like I didn't the office job didn't appeal to me, 99 00:04:34,839 --> 00:04:37,960 Speaker 5: and I was like, I want to be like physical, active, 100 00:04:38,200 --> 00:04:41,520 Speaker 5: working like sort of hard labor, not hard labor, but. 101 00:04:42,080 --> 00:04:43,520 Speaker 2: You know, physical on my body. 102 00:04:43,600 --> 00:04:45,960 Speaker 5: And then we had a family friend who had a 103 00:04:45,960 --> 00:04:48,000 Speaker 5: cattle station. He was like, oh, you'd be like a 104 00:04:48,080 --> 00:04:50,960 Speaker 5: really good Jilaru ringer. You should come out to mind 105 00:04:51,000 --> 00:04:53,040 Speaker 5: and see if you like it. And then I did, 106 00:04:53,240 --> 00:04:55,000 Speaker 5: and then I really liked it, and I was like, Hey, 107 00:04:55,000 --> 00:04:56,480 Speaker 5: this is what I want to do, and. 108 00:04:56,440 --> 00:04:57,720 Speaker 2: Then just applied at heaps. 109 00:04:57,760 --> 00:04:59,479 Speaker 5: Even though he offered me a job, I wanted to 110 00:04:59,520 --> 00:05:03,960 Speaker 5: go to a company one with more employees and stuff 111 00:05:04,000 --> 00:05:04,280 Speaker 5: like that. 112 00:05:04,320 --> 00:05:06,320 Speaker 2: So and then I eventually, yeah, got a job. 113 00:05:06,440 --> 00:05:08,840 Speaker 4: I didn't even know that was a thing. So what 114 00:05:08,920 --> 00:05:12,880 Speaker 4: your family friend was offering was like a family cattle station. 115 00:05:13,080 --> 00:05:15,760 Speaker 4: And then there are like corporate cattle station. I won't 116 00:05:15,800 --> 00:05:18,799 Speaker 4: say corporate, but like business cattle stations that have lots 117 00:05:18,800 --> 00:05:21,080 Speaker 4: of employees. Yes, how does that work? 118 00:05:21,279 --> 00:05:25,080 Speaker 5: I'm a smaller and they might only have like five employees. 119 00:05:25,240 --> 00:05:27,840 Speaker 5: And then if you like work for a company, normally 120 00:05:27,839 --> 00:05:30,600 Speaker 5: their stations are a lot bigger, so there could be 121 00:05:30,720 --> 00:05:32,480 Speaker 5: like ten to twenty employees. 122 00:05:32,800 --> 00:05:36,440 Speaker 4: Wow, So tell me more about this. Where do you live, 123 00:05:36,560 --> 00:05:38,599 Speaker 4: you live on the cattle station. Do you live with 124 00:05:38,720 --> 00:05:42,160 Speaker 4: all these twenty other employees? Like how does this situation work? 125 00:05:42,920 --> 00:05:46,160 Speaker 5: Well, my first year, I was first year ringer and 126 00:05:46,200 --> 00:05:48,720 Speaker 5: I lived. Yeah, it was like a station with eighteen 127 00:05:48,760 --> 00:05:53,240 Speaker 5: employees plus another business like a helicopter business on that 128 00:05:53,400 --> 00:05:56,080 Speaker 5: station as well, so that had like twenty to thirty 129 00:05:56,080 --> 00:05:57,240 Speaker 5: people living there as well. 130 00:05:57,279 --> 00:06:00,640 Speaker 2: So it was like big. But yeah, so it was 131 00:06:00,680 --> 00:06:01,240 Speaker 2: like really good. 132 00:06:01,320 --> 00:06:04,080 Speaker 5: You just had like a single room accommodation, eight dinner 133 00:06:04,120 --> 00:06:08,359 Speaker 5: with everyone every night, like yeah, work, live, play all together. 134 00:06:08,800 --> 00:06:10,719 Speaker 5: Didn't really get a break from everyone, but it was 135 00:06:10,800 --> 00:06:13,080 Speaker 5: like so good. But now I me and my partner, 136 00:06:13,320 --> 00:06:17,000 Speaker 5: he oversees a cattle station, so like I'm overseer support. 137 00:06:17,320 --> 00:06:20,919 Speaker 5: So it's just us too on like an outstation with 138 00:06:21,040 --> 00:06:23,760 Speaker 5: normally one employee, but we don't have one at the moment. 139 00:06:24,000 --> 00:06:25,719 Speaker 4: Oh my gosh. So now you just get to work 140 00:06:25,760 --> 00:06:26,960 Speaker 4: with your partner every day. 141 00:06:27,560 --> 00:06:29,040 Speaker 2: Yeah, how cool. 142 00:06:29,520 --> 00:06:32,040 Speaker 4: Yeah, that's that's a lot. Like I'm not gonna lie. 143 00:06:32,200 --> 00:06:35,080 Speaker 4: I adore my husband, but I don't think I would 144 00:06:35,080 --> 00:06:37,800 Speaker 4: be able to say that if we worked together. Lots 145 00:06:37,839 --> 00:06:40,000 Speaker 4: of people always ask me like, oh my gosh, does 146 00:06:40,040 --> 00:06:42,600 Speaker 4: Steve help out with business because he does work in 147 00:06:43,040 --> 00:06:45,800 Speaker 4: like a marketing space, and obviously that's important for what 148 00:06:45,880 --> 00:06:49,200 Speaker 4: I do. And I'm always like absolutely not like keep 149 00:06:49,240 --> 00:06:51,880 Speaker 4: away from what I do. It will not be healthy 150 00:06:51,920 --> 00:06:55,040 Speaker 4: for our relationship. So I'm impressed. If you can get 151 00:06:55,040 --> 00:06:57,279 Speaker 4: through that, you must be a very very solid couple. 152 00:06:58,080 --> 00:07:00,600 Speaker 4: Tell me more about this you mentioned before, For like 153 00:07:00,640 --> 00:07:03,560 Speaker 4: you thought about becoming a Jillaru or a ringer and 154 00:07:03,600 --> 00:07:07,080 Speaker 4: then you became a first year ringer. What is that job? 155 00:07:07,200 --> 00:07:08,119 Speaker 4: How does that work? 156 00:07:08,240 --> 00:07:11,600 Speaker 5: So like Jillarou is like a female station hand like 157 00:07:11,880 --> 00:07:14,880 Speaker 5: starting out, and so like ringers just like a station hand. 158 00:07:14,920 --> 00:07:16,600 Speaker 2: They're just like two different words for it. 159 00:07:16,960 --> 00:07:19,320 Speaker 5: But yeah, it was like really hard because I was 160 00:07:19,320 --> 00:07:22,120 Speaker 5: obviously so green. I didn't I didn't grow up on 161 00:07:22,160 --> 00:07:25,400 Speaker 5: a farm or anything, so I had no experience. But like, 162 00:07:25,520 --> 00:07:27,400 Speaker 5: if you just have a good attitude and a good 163 00:07:27,400 --> 00:07:31,080 Speaker 5: work ethic and show that to your employees, they'll be 164 00:07:31,240 --> 00:07:33,280 Speaker 5: keen on you because they can teach those skills. 165 00:07:33,400 --> 00:07:35,800 Speaker 4: Yeah, one hundred percent. I feel like that is across 166 00:07:35,840 --> 00:07:39,360 Speaker 4: the board for any area. Like if somebody has good 167 00:07:39,400 --> 00:07:42,160 Speaker 4: work ethic, like I can teach you the technical skills. 168 00:07:42,400 --> 00:07:44,920 Speaker 4: But if someone does not have good work ethic, Like 169 00:07:45,080 --> 00:07:47,480 Speaker 4: it is almost like pulling teeth. You're like, I don't 170 00:07:47,520 --> 00:07:50,640 Speaker 4: care if you have the best technical skills. If I 171 00:07:50,680 --> 00:07:53,080 Speaker 4: have to pull teeth with you, I just I can't 172 00:07:53,160 --> 00:07:56,080 Speaker 4: do it, whether you are the employer or the employee, 173 00:07:56,080 --> 00:07:58,840 Speaker 4: Like there's nothing worse than working with a colleague who 174 00:07:58,880 --> 00:08:01,200 Speaker 4: has bad work ethic. You're just like, why am I 175 00:08:01,200 --> 00:08:03,920 Speaker 4: putting all this effort in? So I can see why, 176 00:08:04,200 --> 00:08:07,720 Speaker 4: especially when things are a little bit harder, especially when 177 00:08:07,760 --> 00:08:10,720 Speaker 4: you're remote, like work ethic would be running rings around 178 00:08:10,800 --> 00:08:12,160 Speaker 4: any type of technical skill. 179 00:08:12,200 --> 00:08:15,320 Speaker 5: Ere can Yeah, most people out here know, like you 180 00:08:15,440 --> 00:08:17,679 Speaker 5: have to have a good work ethic, so everyone comes 181 00:08:17,680 --> 00:08:21,200 Speaker 5: out here to work hard. So tell me now about 182 00:08:21,440 --> 00:08:24,440 Speaker 5: how much you earn and what your job is today. 183 00:08:24,800 --> 00:08:28,680 Speaker 5: So I'm overseas support and I own fifty two thousand. 184 00:08:28,520 --> 00:08:30,600 Speaker 2: Five hundred plus super. 185 00:08:30,480 --> 00:08:34,680 Speaker 5: A year, and my job, like now that I'm overseas 186 00:08:34,679 --> 00:08:39,439 Speaker 5: support is like anything like I do all the garden 187 00:08:39,559 --> 00:08:42,760 Speaker 5: we do, like diesel return data entry as well as 188 00:08:42,840 --> 00:08:46,959 Speaker 5: my string processing cattle, Like I just do whatever they 189 00:08:47,040 --> 00:08:49,679 Speaker 5: need me to do, Like with my partner, help him 190 00:08:49,720 --> 00:08:53,000 Speaker 5: do put troughs in like I do bor runs or 191 00:08:53,040 --> 00:08:56,600 Speaker 5: walk the grater somewhere like I just do everything and 192 00:08:56,640 --> 00:08:58,400 Speaker 5: anything really wow. 193 00:08:58,520 --> 00:09:01,160 Speaker 4: So it's kind of like you've taken over the farm 194 00:09:01,320 --> 00:09:03,200 Speaker 4: and you're the boss of the farm, Like you just 195 00:09:03,240 --> 00:09:05,400 Speaker 4: have to make sure everything happens, is that right? 196 00:09:05,679 --> 00:09:05,959 Speaker 2: Yeah? 197 00:09:06,000 --> 00:09:08,319 Speaker 5: As well as like cook, I'm the cook for us, 198 00:09:08,840 --> 00:09:10,679 Speaker 5: but like normally we have someone here, but we might 199 00:09:10,720 --> 00:09:13,720 Speaker 5: have like another station rings come stay with us for 200 00:09:13,760 --> 00:09:15,680 Speaker 5: a couple of weeks, so it could we like cooking 201 00:09:15,720 --> 00:09:16,600 Speaker 5: for ten people. 202 00:09:16,800 --> 00:09:17,840 Speaker 2: Yeah, oh my gosh. 203 00:09:17,880 --> 00:09:20,440 Speaker 4: And you're doing that as well as everything else on 204 00:09:20,480 --> 00:09:20,920 Speaker 4: the farm. 205 00:09:21,280 --> 00:09:22,640 Speaker 2: Yeah, Oh my gosh. 206 00:09:22,720 --> 00:09:26,000 Speaker 4: Are you exhausted? Like what are your hours each day when. 207 00:09:25,920 --> 00:09:28,800 Speaker 5: We're mystering, It'll be like dark till dark, so twelve 208 00:09:28,800 --> 00:09:33,400 Speaker 5: hours plus and then if it's like yeah, not mustom 209 00:09:33,440 --> 00:09:35,760 Speaker 5: but it's not the off season, it could be yeah, 210 00:09:35,920 --> 00:09:38,479 Speaker 5: still twelve hours, but it could be like ten hours. 211 00:09:38,480 --> 00:09:41,479 Speaker 2: Nothing really less than ten hours. 212 00:09:41,120 --> 00:09:44,360 Speaker 4: Really, oh my gosh. And are you super tired at 213 00:09:44,400 --> 00:09:46,480 Speaker 4: the end of the day or are you just enthusiastic 214 00:09:46,520 --> 00:09:48,160 Speaker 4: about getting back into it the next day? 215 00:09:48,559 --> 00:09:51,000 Speaker 5: It depends, I guess like when we're flat out for 216 00:09:51,080 --> 00:09:53,960 Speaker 5: like a month mustering, you do get pretty tired, But 217 00:09:54,000 --> 00:09:57,080 Speaker 5: then it's like so fun, So you're like, you just 218 00:09:57,160 --> 00:09:58,920 Speaker 5: try to go to sleep, Like as soon as dinner 219 00:09:58,920 --> 00:10:00,960 Speaker 5: is finish, have a shower, just go straight to bed. 220 00:10:01,160 --> 00:10:04,640 Speaker 4: Yeah that's so fair. So tell me more about this salary, 221 00:10:04,679 --> 00:10:08,840 Speaker 4: because fifty two thousand dollars is I would say, for 222 00:10:08,960 --> 00:10:13,240 Speaker 4: twelve hour days not that much remuneration. Do you get 223 00:10:13,320 --> 00:10:16,480 Speaker 4: paid in any other way? So is housing included? Or like, 224 00:10:16,520 --> 00:10:18,800 Speaker 4: what do your bills look like? How does that work? 225 00:10:19,200 --> 00:10:19,440 Speaker 2: Yeah? 226 00:10:19,559 --> 00:10:23,200 Speaker 5: So housing and foods all paid for, so we don't 227 00:10:23,200 --> 00:10:27,120 Speaker 5: pay anything to do with that. And then yeah, I 228 00:10:27,200 --> 00:10:29,240 Speaker 5: literally don't have any bills other than. 229 00:10:29,120 --> 00:10:30,320 Speaker 2: My car on my phone. 230 00:10:30,600 --> 00:10:31,400 Speaker 4: Oh how good? 231 00:10:31,480 --> 00:10:32,800 Speaker 2: Everything sort of supplied. 232 00:10:33,160 --> 00:10:36,320 Speaker 4: Yeah, so everything's supplied. And then of that salary that 233 00:10:36,360 --> 00:10:38,640 Speaker 4: you make, you're basically able to save it or spend 234 00:10:38,720 --> 00:10:39,960 Speaker 4: it on whatever you would like. 235 00:10:40,240 --> 00:10:40,719 Speaker 6: Is that right? 236 00:10:40,840 --> 00:10:42,160 Speaker 2: Yeah? Yeah, that's right. 237 00:10:42,280 --> 00:10:44,600 Speaker 4: And tell me what does the future look like? Are 238 00:10:44,600 --> 00:10:47,600 Speaker 4: we doing this forever? You're obviously in love with somebody 239 00:10:47,600 --> 00:10:50,400 Speaker 4: who oversees the cattle station, so I don't think you're 240 00:10:50,440 --> 00:10:53,439 Speaker 4: going anywhere too quickly, but like, what does that look 241 00:10:53,520 --> 00:10:55,760 Speaker 4: like in the future when it comes to income and 242 00:10:55,840 --> 00:10:58,360 Speaker 4: what does it look like in terms of I guess lifestyle. 243 00:10:58,800 --> 00:11:00,640 Speaker 5: We're not sure yet like we would love to do 244 00:11:00,679 --> 00:11:02,960 Speaker 5: it for a few more years, but we don't know 245 00:11:03,000 --> 00:11:04,840 Speaker 5: if we want to have a break and then have 246 00:11:04,960 --> 00:11:06,079 Speaker 5: kids and then come back. 247 00:11:07,200 --> 00:11:10,199 Speaker 2: Right, Yeah, we're not sure, but like it's a yes, 248 00:11:10,400 --> 00:11:10,800 Speaker 2: so good. 249 00:11:10,840 --> 00:11:13,000 Speaker 5: But if we did want to continue, then you can 250 00:11:13,160 --> 00:11:16,760 Speaker 5: like look into managing a station, which is like the 251 00:11:16,840 --> 00:11:20,959 Speaker 5: next sort of big opportunity. Then it doesn't really go 252 00:11:21,200 --> 00:11:24,160 Speaker 5: much higher than that, but like the pay would go 253 00:11:24,200 --> 00:11:26,520 Speaker 5: a little bit higher, but not like huge, but you'd 254 00:11:26,520 --> 00:11:29,760 Speaker 5: probably get more benefits, like your desil paid for, a 255 00:11:29,880 --> 00:11:32,400 Speaker 5: car supplied and everything else. 256 00:11:32,520 --> 00:11:34,760 Speaker 4: Yeah, So when it comes to a job like this, 257 00:11:35,040 --> 00:11:39,240 Speaker 4: I'm making the grand assumption that it's really a passion job, 258 00:11:39,440 --> 00:11:41,560 Speaker 4: Like you've got to be really passionate about it and 259 00:11:41,600 --> 00:11:43,480 Speaker 4: want to be able to do it. Because I think 260 00:11:43,480 --> 00:11:46,160 Speaker 4: a lot of people listening, and this is not offensive 261 00:11:46,360 --> 00:11:49,720 Speaker 4: in the slightest. I don't think they just go money 262 00:11:49,760 --> 00:11:52,200 Speaker 4: direst For that amount of money, you could not pay 263 00:11:52,280 --> 00:11:55,440 Speaker 4: me to do twelve hour days on a cattle station 264 00:11:55,640 --> 00:11:59,160 Speaker 4: five hundred kilometers from a wallase like that just feels 265 00:11:59,200 --> 00:12:02,320 Speaker 4: like a lot. But for you, like you are beaming 266 00:12:02,440 --> 00:12:04,640 Speaker 4: right now, You're like, but I love it, is that right? 267 00:12:04,960 --> 00:12:05,200 Speaker 2: Yeah? 268 00:12:05,360 --> 00:12:08,760 Speaker 5: Like it's just for the laugh style so different and unique, 269 00:12:08,800 --> 00:12:12,040 Speaker 5: but it's so fun and you get an experience so much, 270 00:12:12,360 --> 00:12:16,240 Speaker 5: like so different to living anywhere else really and learn 271 00:12:16,360 --> 00:12:17,320 Speaker 5: so many skills. 272 00:12:17,440 --> 00:12:19,440 Speaker 4: I want to know so much more about this, But 273 00:12:19,520 --> 00:12:21,760 Speaker 4: that is not a Money Diaries episode. That's just me 274 00:12:21,880 --> 00:12:24,679 Speaker 4: being super pervy. I need to know what are your 275 00:12:24,720 --> 00:12:27,439 Speaker 4: big money goals? What are you currently working towards. 276 00:12:27,880 --> 00:12:30,440 Speaker 5: Well, my closest one will be a new car, which 277 00:12:30,520 --> 00:12:33,320 Speaker 5: I've got twenty grand in savings for that, but I 278 00:12:33,559 --> 00:12:37,400 Speaker 5: want a good reliable food drive, so roughly going to 279 00:12:37,400 --> 00:12:40,959 Speaker 5: spend maybe like forty grand. And then I've also got 280 00:12:41,080 --> 00:12:43,800 Speaker 5: a house deposit account which i'm saving from when I've 281 00:12:43,800 --> 00:12:44,920 Speaker 5: got seven grand in. 282 00:12:44,920 --> 00:12:49,000 Speaker 4: That, so oh how cool? Yeah, what does that look 283 00:12:49,200 --> 00:12:52,040 Speaker 4: like in the future, a house deposit If you're living 284 00:12:52,040 --> 00:12:54,920 Speaker 4: out on a cattle station, I'm assuming it's not a 285 00:12:54,960 --> 00:12:58,240 Speaker 4: property that you're planning on moving into in the immediate future. 286 00:12:58,960 --> 00:13:01,679 Speaker 4: When are we planning on property or do you have 287 00:13:01,840 --> 00:13:03,040 Speaker 4: a plan for that at all? 288 00:13:03,360 --> 00:13:06,640 Speaker 5: Maybe in like three to four years. Yeah, when I 289 00:13:06,679 --> 00:13:11,640 Speaker 5: have more stable like assets like my car will be reliable, 290 00:13:11,800 --> 00:13:13,760 Speaker 5: and then I might yeah, use. 291 00:13:13,679 --> 00:13:16,160 Speaker 2: It as an investment property eventually yeah, and. 292 00:13:16,200 --> 00:13:18,679 Speaker 4: Is that something that you would purchase with your partner, 293 00:13:18,760 --> 00:13:20,720 Speaker 4: Like I need to know, like did you meet him 294 00:13:20,840 --> 00:13:23,160 Speaker 4: out on the cattle station? Like how did you two 295 00:13:23,160 --> 00:13:25,360 Speaker 4: get together? Because I feel like this could be a cute, 296 00:13:25,400 --> 00:13:27,079 Speaker 4: little remote love story. 297 00:13:27,400 --> 00:13:28,080 Speaker 2: Yeah, we did. 298 00:13:28,120 --> 00:13:30,720 Speaker 5: Actually we met him my first year and he was 299 00:13:30,760 --> 00:13:33,440 Speaker 5: like a ringer on this station and then like we 300 00:13:33,480 --> 00:13:34,679 Speaker 5: lived and worked together. 301 00:13:34,440 --> 00:13:36,160 Speaker 2: And then I like we didn't think much of it. 302 00:13:36,200 --> 00:13:36,800 Speaker 2: Like I didn't. 303 00:13:36,920 --> 00:13:38,760 Speaker 5: I was just like there to work and like learn 304 00:13:38,840 --> 00:13:41,319 Speaker 5: so much. And then and then once we went by, 305 00:13:41,400 --> 00:13:43,800 Speaker 5: and then we were like started like talking and hanging 306 00:13:43,840 --> 00:13:46,040 Speaker 5: out and like spending more time together as soon as 307 00:13:46,040 --> 00:13:48,320 Speaker 5: we knocked off work and they were like, oh yeah, 308 00:13:48,360 --> 00:13:49,840 Speaker 5: and then we just started dating and. 309 00:13:49,760 --> 00:13:52,079 Speaker 4: This is a thing. I love it. I love it. 310 00:13:52,160 --> 00:13:54,840 Speaker 4: And how long has he been working on cattle stations? 311 00:13:55,000 --> 00:13:55,200 Speaker 5: Ah? 312 00:13:55,320 --> 00:13:56,400 Speaker 2: This is his sixth year. 313 00:13:56,679 --> 00:13:59,040 Speaker 4: Oh my gosh. And does he have a very similar 314 00:13:59,080 --> 00:14:00,959 Speaker 4: salary to you or is it a bit more because 315 00:14:00,960 --> 00:14:02,000 Speaker 4: he's an overseer. 316 00:14:02,400 --> 00:14:04,560 Speaker 2: Yeah, he's on like twenty grand more than me. 317 00:14:04,920 --> 00:14:08,440 Speaker 4: And is that like a normal step up. I'm just 318 00:14:08,520 --> 00:14:11,160 Speaker 4: I'm trying to like work out what the career progression 319 00:14:11,320 --> 00:14:13,480 Speaker 4: for your type of role is because you know how 320 00:14:13,520 --> 00:14:15,400 Speaker 4: you said, oh, you could go up to a manager. 321 00:14:15,480 --> 00:14:18,520 Speaker 4: What's the difference between like an overseer and then like 322 00:14:18,600 --> 00:14:20,440 Speaker 4: a cattle station manager. 323 00:14:20,160 --> 00:14:24,720 Speaker 5: So like he oversees the property and all the life 324 00:14:25,360 --> 00:14:28,680 Speaker 5: work that happens and everything, but the manager might like 325 00:14:29,480 --> 00:14:33,400 Speaker 5: do the finance side and order certain like contractors and 326 00:14:33,440 --> 00:14:35,480 Speaker 5: stuff like that, like proper right. Yeah. 327 00:14:35,720 --> 00:14:39,720 Speaker 4: Yeah, it's like the more business decisions when you're a manager, right. 328 00:14:39,800 --> 00:14:42,280 Speaker 5: Yeah, where he does like all the work decisions. 329 00:14:42,520 --> 00:14:44,760 Speaker 4: Yeah. I love that. I feel like it's so interesting 330 00:14:44,880 --> 00:14:47,760 Speaker 4: learning about other people's lifestyles and like how that works. 331 00:14:47,800 --> 00:14:50,560 Speaker 4: Because you know, even at the start of this you said, oh, yep, 332 00:14:50,720 --> 00:14:52,720 Speaker 4: I was going to be a jillaru or a ringer, 333 00:14:52,720 --> 00:14:54,720 Speaker 4: and I was like, I have no idea what either 334 00:14:54,760 --> 00:14:57,240 Speaker 4: of those things are. Please tell me, And don't think 335 00:14:57,280 --> 00:14:59,160 Speaker 4: I'm silly for asking please. 336 00:14:59,560 --> 00:14:59,640 Speaker 2: No. 337 00:15:00,160 --> 00:15:02,480 Speaker 4: Definitely not money dires. Let's go to a really quick 338 00:15:02,520 --> 00:15:04,120 Speaker 4: break on the flip side. I want to talk to 339 00:15:04,200 --> 00:15:06,400 Speaker 4: you about debts and investments. And I feel like you've 340 00:15:06,440 --> 00:15:09,320 Speaker 4: got some pretty good money habits because you can't get 341 00:15:09,360 --> 00:15:12,400 Speaker 4: to the shops very often, so guys, don't go anywhere. 342 00:15:16,320 --> 00:15:18,560 Speaker 4: Myneed diarist. We are back and we are talking about 343 00:15:18,600 --> 00:15:22,240 Speaker 4: your life living on a cattle station five hundred kilometers 344 00:15:22,280 --> 00:15:25,240 Speaker 4: from the nearest woollies. And my next question I want 345 00:15:25,280 --> 00:15:29,640 Speaker 4: to know about is investments. So tell me about whether 346 00:15:29,680 --> 00:15:32,720 Speaker 4: you invest or not? And if you don't, do you 347 00:15:32,760 --> 00:15:34,800 Speaker 4: have a plan what does that look like in the future. 348 00:15:35,200 --> 00:15:39,240 Speaker 5: I have one hundred and fifteen dollars an ETFs, but 349 00:15:39,320 --> 00:15:43,760 Speaker 5: I also salary sacrifice into my souper fifty dollars a week. 350 00:15:43,960 --> 00:15:44,680 Speaker 6: Oh how cool. 351 00:15:44,800 --> 00:15:46,000 Speaker 4: How long have you been doing that? 352 00:15:46,320 --> 00:15:48,640 Speaker 5: Last year I think I did forty dollars a week, 353 00:15:48,680 --> 00:15:51,480 Speaker 5: and then this year I started doing fifty dollars a week. 354 00:15:51,680 --> 00:15:56,520 Speaker 4: Oh how good. And that's on top of your regular contributions. Yeah, 355 00:15:56,640 --> 00:15:58,880 Speaker 4: did you make a plan for fifty dollars or was 356 00:15:58,920 --> 00:16:01,280 Speaker 4: that you just going all right, I know I need 357 00:16:01,320 --> 00:16:03,120 Speaker 4: to contribute more to this, or I really want to 358 00:16:03,160 --> 00:16:05,640 Speaker 4: contribute more to this fifty dollars is what I can afford? 359 00:16:05,760 --> 00:16:08,640 Speaker 4: Or is that you like working backwards on a specific plan, 360 00:16:08,800 --> 00:16:10,120 Speaker 4: or like how does that work? 361 00:16:10,360 --> 00:16:10,600 Speaker 2: Nah? 362 00:16:10,680 --> 00:16:12,320 Speaker 5: Well, last year I just like I was like, Oh, 363 00:16:12,360 --> 00:16:13,800 Speaker 5: I should just do it because I know I want 364 00:16:13,840 --> 00:16:16,080 Speaker 5: to have like try to have like four kids if 365 00:16:16,120 --> 00:16:17,720 Speaker 5: I get that privilege. 366 00:16:17,400 --> 00:16:20,360 Speaker 4: Four babies Yeah, you came from a big family, so 367 00:16:20,440 --> 00:16:21,080 Speaker 4: that makes sense. 368 00:16:21,160 --> 00:16:21,480 Speaker 2: Yes. 369 00:16:21,840 --> 00:16:23,960 Speaker 5: So I was like, I'll be out of the workforce 370 00:16:24,000 --> 00:16:26,680 Speaker 5: for a bit, like I need to, and while I'm 371 00:16:26,760 --> 00:16:29,160 Speaker 5: young for it to compound. I was like, I'll just 372 00:16:29,200 --> 00:16:30,920 Speaker 5: do it now, like while I don't have pips of 373 00:16:31,000 --> 00:16:33,360 Speaker 5: bills and I I'm not fuss that it's not coming 374 00:16:33,400 --> 00:16:36,760 Speaker 5: into my bank account. And then I think I got 375 00:16:36,800 --> 00:16:38,960 Speaker 5: like a little five percent pay rise, so I was like, oh, 376 00:16:39,160 --> 00:16:40,840 Speaker 5: just put extra in there as well. 377 00:16:41,040 --> 00:16:44,720 Speaker 4: I really like that you're thinking about superannuation contributions while 378 00:16:44,720 --> 00:16:47,480 Speaker 4: you're so young and you know how old are you again, 379 00:16:47,640 --> 00:16:50,600 Speaker 4: twenty So you're twenty and you're thinking about the time 380 00:16:50,600 --> 00:16:52,880 Speaker 4: that you're going to take off for like maternity or 381 00:16:52,880 --> 00:16:56,400 Speaker 4: parental leave, and that's just ah, I love it so much. 382 00:16:56,440 --> 00:16:58,480 Speaker 4: I want to like hug you because it's just putting 383 00:16:58,480 --> 00:17:01,080 Speaker 4: you so far ahead. I could tell from your demeanor 384 00:17:01,080 --> 00:17:03,120 Speaker 4: that you're like, oh, I don't really invest that much, 385 00:17:03,120 --> 00:17:05,679 Speaker 4: but like you're twenty, you already have some ETFs and 386 00:17:05,720 --> 00:17:08,560 Speaker 4: you're adding extra to souper with the thought pattern that 387 00:17:08,560 --> 00:17:10,159 Speaker 4: you're like, well, I want kids one day and I 388 00:17:10,200 --> 00:17:12,239 Speaker 4: don't want to be too far behind, Like do you 389 00:17:12,240 --> 00:17:15,080 Speaker 4: know how far ahead that puts you, Like you are 390 00:17:15,400 --> 00:17:18,320 Speaker 4: so far ahead of most people who are you know, 391 00:17:18,480 --> 00:17:21,560 Speaker 4: much older than you, who maybe have a bit more 392 00:17:21,600 --> 00:17:24,399 Speaker 4: cash but haven't got the plan for it. Like I 393 00:17:24,400 --> 00:17:26,600 Speaker 4: think that you're under selling how good you are at money, 394 00:17:26,680 --> 00:17:29,920 Speaker 4: my friend, thank you. I'm obsessed with it. And tell 395 00:17:29,920 --> 00:17:33,080 Speaker 4: me about this kid's plan. Is this something where you've 396 00:17:33,119 --> 00:17:35,640 Speaker 4: said to your partner, by the way, four kids, that's 397 00:17:35,680 --> 00:17:37,399 Speaker 4: the plan, because that's a lot of kids in this 398 00:17:37,520 --> 00:17:38,200 Speaker 4: day and age. 399 00:17:38,480 --> 00:17:41,000 Speaker 5: I know he's like, oh, three, and I'm like, no, 400 00:17:41,040 --> 00:17:42,640 Speaker 5: it has to be even, we have. 401 00:17:42,600 --> 00:17:46,000 Speaker 4: To have four, has to be even, does it. I 402 00:17:46,040 --> 00:17:48,840 Speaker 4: feel like I'm a new mum. I can't stop talking 403 00:17:48,880 --> 00:17:51,040 Speaker 4: about it, so please excuse me. 404 00:17:51,280 --> 00:17:52,200 Speaker 2: Gratulations. 405 00:17:52,240 --> 00:17:54,080 Speaker 4: Thank you. I know a lot of people are always 406 00:17:54,119 --> 00:17:55,879 Speaker 4: like in the first year, don't even talk to me 407 00:17:55,920 --> 00:17:58,680 Speaker 4: about second babies, don't even talk to me about you know, 408 00:17:58,920 --> 00:18:01,400 Speaker 4: when the next one's coming. And I'm loky, like, so, 409 00:18:01,440 --> 00:18:04,159 Speaker 4: how many of these are my allowed, Steve, because like 410 00:18:04,520 --> 00:18:07,120 Speaker 4: I would like more of these, like not just yet, 411 00:18:07,200 --> 00:18:09,560 Speaker 4: calm down, like, don't worry, I'm not trying to scare you, 412 00:18:09,600 --> 00:18:14,040 Speaker 4: but like these are real cool, real fun. They are 413 00:18:14,160 --> 00:18:17,120 Speaker 4: so fun, so I think that's a really cool plan. 414 00:18:17,600 --> 00:18:19,800 Speaker 4: Tell me a little bit more. I want to know 415 00:18:20,119 --> 00:18:22,439 Speaker 4: about debt. Do you have any debt? If so, what 416 00:18:22,600 --> 00:18:22,840 Speaker 4: is it. 417 00:18:23,040 --> 00:18:25,040 Speaker 2: No, I don't have any debt at all. 418 00:18:25,280 --> 00:18:26,960 Speaker 4: And you never went to UNI, so you don't have 419 00:18:27,000 --> 00:18:30,160 Speaker 4: a hextet. You're completely clean. All you have is all 420 00:18:30,200 --> 00:18:32,840 Speaker 4: your savings and your ets and your super so you're 421 00:18:33,040 --> 00:18:37,200 Speaker 4: well above I love it. Tell me about your best 422 00:18:37,280 --> 00:18:40,359 Speaker 4: money habit. I feel like, living remotely, you're gonna have 423 00:18:40,400 --> 00:18:41,360 Speaker 4: to have a few of them. 424 00:18:41,800 --> 00:18:42,480 Speaker 2: Yeah. 425 00:18:42,520 --> 00:18:45,399 Speaker 5: Well, because we only go to town, you know, every 426 00:18:45,440 --> 00:18:48,360 Speaker 5: so often. I try to, like look at the specials 427 00:18:48,400 --> 00:18:51,240 Speaker 5: the week before. For the town we do go to 428 00:18:51,280 --> 00:18:53,520 Speaker 5: get our food only has a wool worse. It doesn't 429 00:18:53,560 --> 00:18:55,800 Speaker 5: even have a cold. But before we go to the 430 00:18:55,840 --> 00:18:58,639 Speaker 5: next town over, which is another three hours, which sometimes 431 00:18:58,680 --> 00:18:59,240 Speaker 5: we do. 432 00:18:59,240 --> 00:19:02,359 Speaker 4: In addition to that five hour drive. Yeah, so it 433 00:19:02,400 --> 00:19:05,040 Speaker 4: takes you five hours to drive to the nearest woollies. 434 00:19:05,240 --> 00:19:08,400 Speaker 4: And then if you're like I'm actually a Cole's girl, 435 00:19:09,040 --> 00:19:10,600 Speaker 4: that's like an eight hour drive. 436 00:19:10,840 --> 00:19:11,080 Speaker 2: Yeah. 437 00:19:11,080 --> 00:19:14,359 Speaker 5: But like, because that town that only has like a 438 00:19:14,400 --> 00:19:17,159 Speaker 5: worse might not have all the parts we need, so 439 00:19:17,200 --> 00:19:18,879 Speaker 5: we might go to the next town over. If you 440 00:19:18,920 --> 00:19:20,800 Speaker 5: have to pick up certain parts and stuff. So then 441 00:19:20,880 --> 00:19:23,720 Speaker 5: I'll be like, oh, look at the catalogs as old 442 00:19:23,760 --> 00:19:26,199 Speaker 5: as that sounds, and go to one shop for like 443 00:19:26,240 --> 00:19:29,240 Speaker 5: our personal stuff like deoda because that's so much money, 444 00:19:29,280 --> 00:19:31,080 Speaker 5: face wash, body wash. And then I might go to 445 00:19:31,359 --> 00:19:33,800 Speaker 5: the other one to get like toothpaste and stuff, just 446 00:19:33,840 --> 00:19:36,320 Speaker 5: to try and like, yeah, keep everything. 447 00:19:36,000 --> 00:19:39,239 Speaker 4: Cut down the costs. Yeah, especially if you're already heading there. 448 00:19:39,280 --> 00:19:41,919 Speaker 4: I feel like that's really smart. I have to know 449 00:19:42,560 --> 00:19:45,879 Speaker 4: you mentioned catalogs, and like I just remember when I 450 00:19:45,920 --> 00:19:48,480 Speaker 4: was little going through the catalogs, like I had no 451 00:19:48,520 --> 00:19:50,520 Speaker 4: idea what I was buying, but like Mum and Dad 452 00:19:50,600 --> 00:19:51,960 Speaker 4: did bring them in and just like put them on 453 00:19:51,960 --> 00:19:53,680 Speaker 4: the bench with their mail, and I'd be like, wow, 454 00:19:53,720 --> 00:19:56,320 Speaker 4: look at what's for sale at Woollies like when I 455 00:19:56,480 --> 00:19:58,840 Speaker 4: was ten. Right, but that has to come in the mail. 456 00:19:58,880 --> 00:20:01,679 Speaker 4: Are you telling me that out there the posty drops 457 00:20:01,680 --> 00:20:05,720 Speaker 4: off the Coles catalog but not your groceries? Like what 458 00:20:05,880 --> 00:20:06,520 Speaker 4: is going on? 459 00:20:07,119 --> 00:20:08,960 Speaker 2: No? I look on the online cattle. 460 00:20:09,000 --> 00:20:10,480 Speaker 4: Oh okay, all right, all right, all right, But. 461 00:20:10,520 --> 00:20:13,280 Speaker 5: We do get the male plane so that delivers our 462 00:20:13,280 --> 00:20:14,320 Speaker 5: mail every Friday. 463 00:20:14,480 --> 00:20:17,600 Speaker 4: It's a whole plane. Yeah, what Yeah, And it just 464 00:20:18,280 --> 00:20:19,840 Speaker 4: arrives on your cattle station. 465 00:20:20,320 --> 00:20:22,440 Speaker 5: Yeah, we have an airstrip, so it just lends on 466 00:20:22,480 --> 00:20:25,040 Speaker 5: the airstrip and drops our mail off and then goes 467 00:20:25,040 --> 00:20:25,800 Speaker 5: to the next place. 468 00:20:26,000 --> 00:20:27,720 Speaker 4: And do they stay for like a cup of tea 469 00:20:27,800 --> 00:20:29,280 Speaker 4: or something or are they just in out? 470 00:20:29,440 --> 00:20:32,040 Speaker 2: No, they just drop it off walk back to their plane. 471 00:20:32,480 --> 00:20:35,520 Speaker 4: Oh my gosh, the next place. That feels so novel 472 00:20:35,600 --> 00:20:38,160 Speaker 4: to me? Can you tell me? You probably don't think 473 00:20:38,200 --> 00:20:40,040 Speaker 4: these things are novels, so you might not have any 474 00:20:40,119 --> 00:20:43,040 Speaker 4: off the top of your head. But like, yeah, how 475 00:20:43,160 --> 00:20:45,240 Speaker 4: else does life work out there in a way that 476 00:20:45,359 --> 00:20:49,320 Speaker 4: I wouldn't have anticipated? So obviously, having the male delivered, 477 00:20:49,840 --> 00:20:52,280 Speaker 4: I would have just assumed that they didn't deliver it. 478 00:20:52,640 --> 00:20:54,520 Speaker 4: I would have assumed that you had a po box 479 00:20:54,520 --> 00:20:56,040 Speaker 4: in town and you had to go in and get 480 00:20:56,080 --> 00:20:59,520 Speaker 4: your own mail, because way back when I lived in Tasmania, 481 00:20:59,560 --> 00:21:02,399 Speaker 4: that's how my grandparents did it. Like mail didn't happen, 482 00:21:02,560 --> 00:21:05,560 Speaker 4: you had to go to the post office and that's fine, 483 00:21:06,040 --> 00:21:08,399 Speaker 4: But you have a plane that delivers it, and I 484 00:21:08,480 --> 00:21:11,960 Speaker 4: just didn't see that coming. So how else does life 485 00:21:12,040 --> 00:21:14,040 Speaker 4: work out there that might surprise us? 486 00:21:14,359 --> 00:21:16,119 Speaker 2: Yeah, well we have to get our own killers. 487 00:21:16,160 --> 00:21:19,840 Speaker 5: So I process all the meat like mince dice, stake 488 00:21:19,920 --> 00:21:23,159 Speaker 5: it that. So you normally just go to the shops 489 00:21:23,160 --> 00:21:26,119 Speaker 5: and get your beef like that, but we have to 490 00:21:26,160 --> 00:21:27,200 Speaker 5: do it all ourselves. 491 00:21:27,359 --> 00:21:29,880 Speaker 4: And is that a process that happens and then you 492 00:21:30,000 --> 00:21:33,240 Speaker 4: just get given the meat to process or are you 493 00:21:33,359 --> 00:21:34,879 Speaker 4: part of that whole process? 494 00:21:35,200 --> 00:21:38,480 Speaker 5: Yeah, so we'll go put a kr down and then 495 00:21:38,760 --> 00:21:40,359 Speaker 5: cut her up in the paddock and then hang her 496 00:21:40,440 --> 00:21:42,800 Speaker 5: for a week or two and then process it. 497 00:21:43,080 --> 00:21:43,240 Speaker 1: Wow. 498 00:21:43,320 --> 00:21:45,199 Speaker 4: I feel like it's so important to talk about this 499 00:21:45,200 --> 00:21:49,080 Speaker 4: stuff too, because that's literally your livelihood. But also I 500 00:21:49,119 --> 00:21:53,960 Speaker 4: feel like there's this massive disconnect between where our food 501 00:21:54,040 --> 00:21:57,280 Speaker 4: comes from and how we purchase it. Like I know 502 00:21:57,359 --> 00:22:00,159 Speaker 4: a lot of people that would say, well, if I 503 00:22:00,200 --> 00:22:01,960 Speaker 4: had to do that, I would just wouldn't eat meat. 504 00:22:02,200 --> 00:22:04,800 Speaker 4: And I feel like that's I don't know, it's not 505 00:22:05,320 --> 00:22:09,200 Speaker 4: a bad thing to say, because that disconnect is protecting 506 00:22:09,280 --> 00:22:11,479 Speaker 4: us in a way. But I also think it's just 507 00:22:11,560 --> 00:22:13,840 Speaker 4: really cool that there are people who are so connected 508 00:22:13,880 --> 00:22:16,879 Speaker 4: with the land and so connected with you know, the 509 00:22:17,160 --> 00:22:21,240 Speaker 4: life cycle of something that they can process the whole 510 00:22:21,240 --> 00:22:22,960 Speaker 4: thing and go all right, well, now that's in my 511 00:22:23,000 --> 00:22:26,040 Speaker 4: freezer as a food source in the future, you'd also 512 00:22:26,080 --> 00:22:28,080 Speaker 4: save so much money doing it that way. 513 00:22:28,600 --> 00:22:31,000 Speaker 2: Yeah, so when we do order from town, we don't. 514 00:22:31,080 --> 00:22:32,960 Speaker 5: We might get like a little bit of a chicken, 515 00:22:33,000 --> 00:22:35,000 Speaker 5: and that's really it for meat. 516 00:22:35,320 --> 00:22:37,600 Speaker 4: That's fair because you're like, we don't have chalks out here. 517 00:22:38,240 --> 00:22:40,640 Speaker 5: Yeah, we have some that lay eggs, but yet not 518 00:22:40,680 --> 00:22:41,199 Speaker 5: for eating. 519 00:22:41,359 --> 00:22:43,919 Speaker 4: Oh no no. And if you've grown up on a 520 00:22:43,960 --> 00:22:47,720 Speaker 4: farm or ever lived regionally and ever had to process 521 00:22:47,760 --> 00:22:50,119 Speaker 4: a chicken that is older, like, you don't want to 522 00:22:50,119 --> 00:22:52,720 Speaker 4: eat that one, Like, it's not good. It's not good. 523 00:22:53,320 --> 00:22:55,399 Speaker 4: They need a lot of slow cooking. It's not for me. 524 00:22:55,600 --> 00:22:58,760 Speaker 4: It's not for me. Tell me a bit more about 525 00:22:58,800 --> 00:23:01,120 Speaker 4: your worst money habit. So I know that you said 526 00:23:01,160 --> 00:23:03,920 Speaker 4: at the start that you're a C plus, and I'm 527 00:23:04,000 --> 00:23:08,240 Speaker 4: just thinking there must be some bombshell terrible money habits 528 00:23:08,880 --> 00:23:11,840 Speaker 4: that make you a C plus. That all we really 529 00:23:11,880 --> 00:23:14,000 Speaker 4: need to give your pep talk. So you need to 530 00:23:14,040 --> 00:23:16,320 Speaker 4: talk to me about what you think your worst money 531 00:23:16,359 --> 00:23:16,840 Speaker 4: habits are. 532 00:23:17,080 --> 00:23:20,439 Speaker 5: I don't budget, which is really bad. I think I 533 00:23:20,520 --> 00:23:22,280 Speaker 5: need to like, yeah. 534 00:23:22,200 --> 00:23:22,800 Speaker 2: Get onto that. 535 00:23:22,920 --> 00:23:25,720 Speaker 5: And then I also I find it hard to budget 536 00:23:25,720 --> 00:23:28,040 Speaker 5: because like I don't know when I'm going to town next, 537 00:23:28,040 --> 00:23:30,080 Speaker 5: so I'll get a paycheck every two weeks, and then 538 00:23:30,119 --> 00:23:32,440 Speaker 5: I'm like, oh do I how much should I put 539 00:23:32,480 --> 00:23:34,679 Speaker 5: into that account? And then I'll go to town and 540 00:23:34,720 --> 00:23:37,639 Speaker 5: I'll spend like because oh no, we need this and 541 00:23:37,680 --> 00:23:40,359 Speaker 5: this and this. So it's sort of like hard to 542 00:23:40,400 --> 00:23:42,960 Speaker 5: figure out what to budget. So I just don't And 543 00:23:43,000 --> 00:23:46,399 Speaker 5: I need to automate my accounts as well. 544 00:23:47,080 --> 00:23:48,160 Speaker 2: I don't do that either. 545 00:23:48,600 --> 00:23:51,520 Speaker 4: I feel like those aren't the worst money habits. I 546 00:23:51,560 --> 00:23:54,439 Speaker 4: feel like I could compare in contrast, but we should 547 00:23:54,480 --> 00:23:56,680 Speaker 4: never do that. But I feel like just not being 548 00:23:56,680 --> 00:23:58,640 Speaker 4: that good at budgeting when you don't have that many 549 00:23:58,680 --> 00:24:01,119 Speaker 4: overheads is not the worst. But I do want to 550 00:24:01,119 --> 00:24:03,600 Speaker 4: know about I guess your grocery budget. So if you're 551 00:24:03,640 --> 00:24:06,199 Speaker 4: going into town, you said maybe once a month or 552 00:24:06,280 --> 00:24:10,520 Speaker 4: just over once a month, how big is your spend 553 00:24:10,800 --> 00:24:13,840 Speaker 4: at the shops? Like what does that look like? And 554 00:24:13,880 --> 00:24:16,920 Speaker 4: what are we like are we purchasing all fresh stuff? 555 00:24:16,960 --> 00:24:18,720 Speaker 4: I feel like it would all go off within the 556 00:24:18,760 --> 00:24:20,960 Speaker 4: first week. Like, I've just got lots of questions about 557 00:24:20,960 --> 00:24:22,919 Speaker 4: this process. So first tell me about the budget and 558 00:24:22,960 --> 00:24:25,960 Speaker 4: then tell me about the strategy to keep fresh things fresh. 559 00:24:26,200 --> 00:24:32,080 Speaker 5: Yeah, so roughly would spend like maybe or like seven 560 00:24:32,160 --> 00:24:35,080 Speaker 5: hundred eight hundred a month, but like it also depends 561 00:24:35,119 --> 00:24:37,399 Speaker 5: on like the expensive stuff that we run out like 562 00:24:37,440 --> 00:24:40,760 Speaker 5: oil or coffee or stuff like that, and then the 563 00:24:40,800 --> 00:24:44,000 Speaker 5: fresh stuff. Yeah, we buy, but it does like go 564 00:24:44,160 --> 00:24:46,760 Speaker 5: off after around two weeks, but we try and like 565 00:24:47,200 --> 00:24:50,040 Speaker 5: wrap it in paper towel and like as soon as 566 00:24:50,040 --> 00:24:52,280 Speaker 5: we get the store it and head back home, I'll 567 00:24:52,320 --> 00:24:55,240 Speaker 5: like go through it all and try and make it 568 00:24:55,400 --> 00:24:57,640 Speaker 5: last even longer, like do things to make it last 569 00:24:57,680 --> 00:24:59,679 Speaker 5: even longer, wash it all and then wrap it and 570 00:24:59,680 --> 00:25:02,119 Speaker 5: baby how I put it in sealed containers and stuff 571 00:25:02,160 --> 00:25:02,480 Speaker 5: like that. 572 00:25:02,720 --> 00:25:04,600 Speaker 4: Yeah that's fair. I feel like you'd have to get 573 00:25:04,680 --> 00:25:07,720 Speaker 4: really crafty with that because I don't know, I'd feel 574 00:25:07,760 --> 00:25:10,479 Speaker 4: like by the end of that month, I'd be just 575 00:25:10,560 --> 00:25:13,480 Speaker 4: really craving fresh stuff. I'd be like, oh my gosh, 576 00:25:13,520 --> 00:25:15,679 Speaker 4: like just put some lettuce on my plate. Does it 577 00:25:15,720 --> 00:25:16,360 Speaker 4: get like that? 578 00:25:16,800 --> 00:25:17,639 Speaker 2: Yes, it does. 579 00:25:17,720 --> 00:25:19,760 Speaker 5: When you go to town and you're like, oh, I'll 580 00:25:19,760 --> 00:25:23,639 Speaker 5: get some raspberry, is like you just you do crave 581 00:25:23,720 --> 00:25:24,840 Speaker 5: fresh fruit and. 582 00:25:24,920 --> 00:25:28,239 Speaker 4: Veg Yeah that's so fair. So tell me about the 583 00:25:28,280 --> 00:25:31,679 Speaker 4: planning that goes into your grocery list, Like is it 584 00:25:31,840 --> 00:25:34,240 Speaker 4: very extensive or do you now have a down pat 585 00:25:34,400 --> 00:25:36,080 Speaker 4: or does it take a few hours, Like I know 586 00:25:36,119 --> 00:25:38,520 Speaker 4: you're going through catalogs to work out what you need 587 00:25:38,560 --> 00:25:41,240 Speaker 4: to purchase. I just feel like that would be a 588 00:25:41,280 --> 00:25:43,600 Speaker 4: lot of planning that I've never had to do that 589 00:25:43,720 --> 00:25:44,560 Speaker 4: far in advance. 590 00:25:45,240 --> 00:25:46,120 Speaker 2: Yeah, it is. 591 00:25:46,160 --> 00:25:48,040 Speaker 5: So I have like a list on the fridge or 592 00:25:48,040 --> 00:25:51,000 Speaker 5: whenever I run out of something like continents or whatever 593 00:25:51,040 --> 00:25:53,439 Speaker 5: that I might not buy, every time, I write it 594 00:25:53,480 --> 00:25:54,080 Speaker 5: down there. 595 00:25:54,520 --> 00:25:56,480 Speaker 2: And then I also have like a checklist that I 596 00:25:56,600 --> 00:25:57,679 Speaker 2: print out every. 597 00:25:57,440 --> 00:25:59,560 Speaker 5: Time when I'm doing my store, and I will to 598 00:25:59,680 --> 00:26:02,560 Speaker 5: have like the basic necessities that I make sure I 599 00:26:02,600 --> 00:26:06,159 Speaker 5: add every single time, and then go through the catalogs 600 00:26:06,200 --> 00:26:08,959 Speaker 5: while I'm on the computer, and I'll like look at 601 00:26:08,960 --> 00:26:10,880 Speaker 5: what's on seal and I might get this this time 602 00:26:10,960 --> 00:26:13,760 Speaker 5: and not the next time, depending what's on sell and. 603 00:26:13,680 --> 00:26:15,960 Speaker 4: Stuff that's fair. I feel like that would just be 604 00:26:16,119 --> 00:26:18,040 Speaker 4: a lot of work in addition to all the work 605 00:26:18,040 --> 00:26:22,160 Speaker 4: you're already doing. Yeah, so I need to go back. 606 00:26:22,240 --> 00:26:25,240 Speaker 4: You said at the very start, like obviously part of 607 00:26:25,280 --> 00:26:28,600 Speaker 4: your role is mustering and you know, basically doing everything 608 00:26:28,640 --> 00:26:30,760 Speaker 4: around the farm. But then you said, I also do 609 00:26:30,840 --> 00:26:33,719 Speaker 4: all the cooking, So tell me when you're doing all 610 00:26:33,720 --> 00:26:36,639 Speaker 4: the cooking is that your job to plan? Or is 611 00:26:36,720 --> 00:26:40,520 Speaker 4: that your cattle station plans all the meals and you 612 00:26:40,640 --> 00:26:42,520 Speaker 4: just cook it? Like, how does that work if you've 613 00:26:42,560 --> 00:26:44,680 Speaker 4: got ten people to cater for, Like, is that then 614 00:26:44,720 --> 00:26:45,600 Speaker 4: your job as well? 615 00:26:46,080 --> 00:26:46,320 Speaker 2: Yeah? 616 00:26:46,440 --> 00:26:49,840 Speaker 5: Yeah, I've got a plan breakfast, lunch, smokeo, dinner. 617 00:26:49,960 --> 00:26:52,600 Speaker 4: Oh my gosh. And you're basically the chef around here 618 00:26:52,760 --> 00:26:56,439 Speaker 4: as well. That's crazy. Yeah, I can't even think of 619 00:26:56,480 --> 00:26:58,280 Speaker 4: what I'm having for dinner when I don't have my 620 00:26:58,359 --> 00:27:00,640 Speaker 4: Maley spoon in the fridge and you're here being like, well, 621 00:27:00,680 --> 00:27:04,080 Speaker 4: I've planned every single meal for ten people. Victoria's sit 622 00:27:04,160 --> 00:27:08,679 Speaker 4: down to me, that's terrifying. I love it, though, but 623 00:27:08,760 --> 00:27:10,960 Speaker 4: we need to talk about this C plus. So tell 624 00:27:10,960 --> 00:27:14,320 Speaker 4: me a bit more about why beyond you know, not 625 00:27:14,400 --> 00:27:18,240 Speaker 4: budgeting and maybe needing to automate your accounts, Like what 626 00:27:18,520 --> 00:27:21,159 Speaker 4: else do you need to improve? Because I feel like 627 00:27:21,240 --> 00:27:23,320 Speaker 4: C plus that feels hush, my friend. 628 00:27:23,640 --> 00:27:26,720 Speaker 5: Maybe like with my invest in, like ets, I need 629 00:27:26,760 --> 00:27:29,400 Speaker 5: to be consistent with them and do it every week 630 00:27:29,480 --> 00:27:30,119 Speaker 5: or every month. 631 00:27:30,960 --> 00:27:33,639 Speaker 4: Probably I feel like you're maybe being a bit hush 632 00:27:33,680 --> 00:27:37,480 Speaker 4: on yourself. You're still twenty, which you know, to me 633 00:27:37,720 --> 00:27:39,600 Speaker 4: is a baby, and I don't mean that in an 634 00:27:39,640 --> 00:27:42,879 Speaker 4: offensive term. I mean, You've got so much life to 635 00:27:42,960 --> 00:27:46,239 Speaker 4: still live and so much opportunity ahead of you. I'm like, oh, 636 00:27:46,320 --> 00:27:49,280 Speaker 4: my gosh, she's only at the start of this journey, 637 00:27:49,480 --> 00:27:52,240 Speaker 4: because I know we've obviously lived eighteen years, but you 638 00:27:52,240 --> 00:27:54,280 Speaker 4: don't have a full time job. You're not contributing to 639 00:27:54,320 --> 00:27:56,879 Speaker 4: your super properly before then, you're not like, you know, 640 00:27:57,000 --> 00:28:00,399 Speaker 4: thinking about investments and what our life will actually look clack. 641 00:28:00,920 --> 00:28:02,879 Speaker 4: I just feel like you're at the very start of 642 00:28:02,920 --> 00:28:05,640 Speaker 4: this journey and you've just got such a bright future 643 00:28:05,640 --> 00:28:07,919 Speaker 4: ahead of you. C Plus, I feel like is really 644 00:28:08,600 --> 00:28:09,960 Speaker 4: I don't know, I feel like you need to be 645 00:28:10,040 --> 00:28:11,879 Speaker 4: kinder to yourself. I'm going to make it a bit 646 00:28:11,920 --> 00:28:13,679 Speaker 4: easier though, because I am going to gift you our 647 00:28:13,720 --> 00:28:16,159 Speaker 4: budget and Cashflow master Class so that you can budget 648 00:28:16,200 --> 00:28:18,880 Speaker 4: and you can plan, and it will tell you how 649 00:28:18,920 --> 00:28:22,080 Speaker 4: to automate and it will let you budget literally everything 650 00:28:22,160 --> 00:28:24,679 Speaker 4: into it. And I feel like because it's flexible and 651 00:28:24,720 --> 00:28:26,200 Speaker 4: I'm not trying to sell you on it, because I'm 652 00:28:26,200 --> 00:28:29,439 Speaker 4: literally giving it to you for free, but it like 653 00:28:29,800 --> 00:28:33,199 Speaker 4: allows you to budget on a fortnightly, weekly or monthly basis, 654 00:28:33,280 --> 00:28:35,640 Speaker 4: so you can kind of like plan around, like, all right, well, 655 00:28:35,680 --> 00:28:38,239 Speaker 4: groceries a monthly, so pick that from the drop down 656 00:28:38,320 --> 00:28:40,480 Speaker 4: lease st door. You know that's actually a weekly cost 657 00:28:40,560 --> 00:28:42,520 Speaker 4: for my phone that goes out, Like you can like 658 00:28:43,040 --> 00:28:45,200 Speaker 4: be a little bit flexy and hopefully that makes you 659 00:28:45,240 --> 00:28:47,160 Speaker 4: feel like you're a bit more in control. But I 660 00:28:47,200 --> 00:28:49,200 Speaker 4: just feel like C plus. I'm not gonna argue with 661 00:28:49,240 --> 00:28:51,120 Speaker 4: you and say you need to grade yourself higher, but 662 00:28:51,200 --> 00:28:54,560 Speaker 4: I feel like C plus, my friend, you're not in 663 00:28:54,720 --> 00:28:57,680 Speaker 4: any debt. You are saving for your first home already. 664 00:28:57,720 --> 00:29:00,840 Speaker 4: You've already got like twenty thousand dollars in a savings 665 00:29:00,840 --> 00:29:04,120 Speaker 4: account for a first car or a new car sorry, 666 00:29:04,160 --> 00:29:06,440 Speaker 4: because it's obviously going to be a bigger one. You're 667 00:29:06,480 --> 00:29:09,200 Speaker 4: putting extra into Super because we're already thinking about these 668 00:29:09,240 --> 00:29:11,240 Speaker 4: four kids that you want to have in the future. 669 00:29:11,280 --> 00:29:12,800 Speaker 4: And you're like, oh, I don't really want to get 670 00:29:12,840 --> 00:29:15,840 Speaker 4: behind on my Super, like that's important. I just think 671 00:29:15,840 --> 00:29:18,520 Speaker 4: you're so far ahead, and I think you're really harsh 672 00:29:18,640 --> 00:29:22,520 Speaker 4: on yourself, and I don't love that. But again, I 673 00:29:22,520 --> 00:29:24,960 Speaker 4: don't like arguing with our diarists. I just want them 674 00:29:25,000 --> 00:29:26,680 Speaker 4: to see their value and I want them to see 675 00:29:26,680 --> 00:29:27,320 Speaker 4: their worth. 676 00:29:27,800 --> 00:29:31,760 Speaker 2: Thank you. Maybe a bee but yeah, maybe a bee. Yes, yeah, 677 00:29:31,840 --> 00:29:33,280 Speaker 2: I've got a bit to do. 678 00:29:33,600 --> 00:29:35,760 Speaker 4: All right, Well I'm gonna let you do that, because 679 00:29:35,840 --> 00:29:39,040 Speaker 4: unfortunately that's all we have time for. I've adored having 680 00:29:39,080 --> 00:29:42,440 Speaker 4: this chat. I'm just so interested in learning about the 681 00:29:42,480 --> 00:29:45,440 Speaker 4: way people live differently to me. I feel like it 682 00:29:45,440 --> 00:29:48,040 Speaker 4: adds so much value to our community. I feel like 683 00:29:48,080 --> 00:29:50,280 Speaker 4: we've just had like a chat with a friend who's 684 00:29:50,400 --> 00:29:53,360 Speaker 4: just out on a remote cattle station, and that's really cool, 685 00:29:53,360 --> 00:29:55,000 Speaker 4: Like you don't get to do that every day. So 686 00:29:55,360 --> 00:29:57,800 Speaker 4: thank you for sharing that with us. But also thank 687 00:29:57,800 --> 00:29:59,840 Speaker 4: you for sharing you with our community, because I know 688 00:29:59,880 --> 00:30:01,960 Speaker 4: that they're going to have loved hanging out with you 689 00:30:02,080 --> 00:30:04,160 Speaker 4: for the past half hour as much as I did 690 00:30:04,200 --> 00:30:06,720 Speaker 4: with you. So thank you, Money Diarist. 691 00:30:06,680 --> 00:30:08,640 Speaker 2: Thank you so much for this. Thank you. 692 00:30:14,680 --> 00:30:17,200 Speaker 6: The advice shared on She's on the Money is general 693 00:30:17,280 --> 00:30:21,120 Speaker 6: in nature and does not consider your individual circumstances. She's 694 00:30:21,160 --> 00:30:24,640 Speaker 6: on the Money exists purely for educational purposes and should 695 00:30:24,640 --> 00:30:27,840 Speaker 6: not be relied upon to make an investment or financial decision. 696 00:30:28,200 --> 00:30:30,680 Speaker 6: If you do choose to buy a financial product, read 697 00:30:30,680 --> 00:30:34,800 Speaker 6: the PDS TMD and obtain appropriate financial advice tailored towards 698 00:30:34,880 --> 00:30:38,160 Speaker 6: your needs. Victoria divine and she's on the money. Are 699 00:30:38,200 --> 00:30:43,240 Speaker 6: authorized representatives of money sheirper pty Ltd ABN three two 700 00:30:43,280 --> 00:30:46,280 Speaker 6: one is six four nine two seven seven zero eight 701 00:30:46,560 --> 00:30:53,280 Speaker 6: AFSL four five one two eight nine