WEBVTT - Happy 1,000th Episode! Win Our Favourite Things + Solve She’s Stashed the Cash 0:00:00.200 --> 0:00:02.960 My name is Satasha Bamblet. I'm a proud First Nations 0:00:03.000 --> 0:00:07.280 woman and I'm here to acknowledge country. Te Glenn Young 0:00:07.320 --> 0:00:11.400 Ganya Niana, kaka ya Ya bin Ahaka Nian our gay 0:00:11.440 --> 0:00:16.920 In Mbini yakarum Jar, Dominyamga, Doumaga Ithawakawaman, damon Immalan Bumba 0:00:16.960 --> 0:00:19.800 bang Gadabomba in and now in waka ghana on yak 0:00:19.880 --> 0:00:24.560 rum Jar Watanadaa. Hello, beautiful friends, we gather on the 0:00:24.640 --> 0:00:27.920 lands of the Aboriginal people. We thank acknowledge and respect 0:00:27.960 --> 0:00:30.880 the Aboriginal people's land that we're gathering on today. Take 0:00:30.920 --> 0:00:33.680 pleasure in all the land and respect all that you see. 0:00:34.600 --> 0:00:40.160 She's on the Money podcast acknowledges culture, country, community and connections, 0:00:40.960 --> 0:00:44.560 bringing you the tools, knowledge and resources for you to thrive. 0:00:44.840 --> 0:00:51.800 She's on the Money. She's on the Money. Hello, friends, 0:00:51.880 --> 0:00:54.600 and welcome to She's on the Money, the podcast. 0:00:54.240 --> 0:00:57.120 That makes personal finance is fun, especially on Friday, and 0:00:57.320 --> 0:00:59.240 I am excited. 0:01:00.840 --> 0:01:02.040 This Friday, Guys, is. 0:01:02.160 --> 0:01:03.160 Like no other. 0:01:03.960 --> 0:01:07.720 It is our one thousandth episode and to celebrate, we 0:01:07.800 --> 0:01:10.200 are bringing the goodies to you, our loyal. 0:01:10.160 --> 0:01:11.640 She's on the Money Community. 0:01:11.959 --> 0:01:14.960 I am talking prize packs and gift cards glow plus 0:01:15.040 --> 0:01:17.080 we'll be giving away some of our favorite things. 0:01:17.200 --> 0:01:19.119 Talk about a good money win. 0:01:19.680 --> 0:01:22.400 Joining me for the festivities is none other than Miss 0:01:22.680 --> 0:01:27.480 Jessica Ricchi and of course the wonderful Miss Beck sayed, 0:01:27.640 --> 0:01:29.520 can you believe we have. 0:01:29.640 --> 0:01:32.280 Recorded a thousand episodes already? 0:01:33.319 --> 0:01:34.400 So many episodes? 0:01:34.520 --> 0:01:35.399 Be so real? 0:01:35.520 --> 0:01:38.160 A thousand that's like four digits And some. 0:01:38.200 --> 0:01:41.440 People have listened to every single one and multiple times, 0:01:41.600 --> 0:01:44.000 because I did the maths when we got our Spotify 0:01:44.080 --> 0:01:47.000 wrapped last year and I was like, what are you 0:01:47.040 --> 0:01:47.600 guys doing? 0:01:47.760 --> 0:01:51.000 Like you've listened to more than the minutes I've created. 0:01:51.560 --> 0:01:55.160 Wow, some people have listened to it double time, and 0:01:55.400 --> 0:01:58.640 it's actually incredible. I'd like, I cannot tell you how 0:01:58.720 --> 0:02:00.840 grateful I am do not only be sitting here after 0:02:00.920 --> 0:02:03.800 one thousand episodes, but just like for the community that 0:02:03.920 --> 0:02:06.920 has been along for the right I cringe a little 0:02:06.920 --> 0:02:08.480 bit when people say I went back to your very 0:02:08.520 --> 0:02:09.120 first episode. 0:02:09.160 --> 0:02:11.079 I'm like, oh no, no, baby cakes, don't do that. 0:02:11.680 --> 0:02:12.200 Don't do that. 0:02:12.320 --> 0:02:15.320 But we've left it up obviously because it is powerful 0:02:15.400 --> 0:02:18.600 and it does really cool things. But my friends, while 0:02:18.639 --> 0:02:21.880 there are no dilemmas, this week, we will be revisiting 0:02:21.919 --> 0:02:23.920 some of our earliest memories. We're going to be sharing 0:02:23.960 --> 0:02:26.880 an update from one of our very first money diarists 0:02:27.200 --> 0:02:30.400 and rewarding some of our most active community members. We 0:02:30.560 --> 0:02:33.120 are in our sentimental era and I feel like it 0:02:33.280 --> 0:02:34.160 feels just right. 0:02:34.400 --> 0:02:35.400 Oh, I feel emotional. 0:02:35.720 --> 0:02:37.760 I am as well. 0:02:37.880 --> 0:02:40.440 And because it's a special occasion, we thought it might 0:02:40.520 --> 0:02:43.240 be fun to do things a little bit differently. 0:02:43.840 --> 0:02:47.720 So new segment, She's Stashed the Money. 0:02:48.440 --> 0:02:50.880 If you've been tuning in over the last few weeks, 0:02:51.200 --> 0:02:53.560 you might have noticed a few odd sound bites working 0:02:53.600 --> 0:02:57.120 their way into our episodes. Well, now I can finally 0:02:57.200 --> 0:02:59.840 reveal our big plan. We've been dropping a word just 0:03:00.120 --> 0:03:03.760 here and there that makes up a one mystery sentence. 0:03:04.080 --> 0:03:06.640 There are five words in total, and the final word 0:03:06.800 --> 0:03:10.440 is being revealed today right here on the Friday Drinks episode. 0:03:10.840 --> 0:03:13.959 Why well, my friends, If you are the first person 0:03:14.320 --> 0:03:17.280 to correctly place these words in the correct. 0:03:17.040 --> 0:03:20.240 Order, you might just win a cool thousand dollars cash. 0:03:21.240 --> 0:03:23.519 Once you've heard the final word, head on over to 0:03:23.600 --> 0:03:26.079 our Instagram, where you will find the entry form in 0:03:26.200 --> 0:03:29.120 our link in bio. There you can take a guess 0:03:29.160 --> 0:03:32.320 at your five word sentence. If you haven't already, please 0:03:32.480 --> 0:03:35.240 go back and listen and make sure that you write 0:03:35.320 --> 0:03:37.800 them all down, and then you can submit your five 0:03:37.880 --> 0:03:41.040 words sentence for a chance to win. Entries closed tomorrow, 0:03:41.200 --> 0:03:44.080 my friend, because we want this to be quick. If 0:03:44.120 --> 0:03:46.160 you're in the community and you have been listening to 0:03:46.280 --> 0:03:49.080 our show, this is how we are planning to reward you. 0:03:49.560 --> 0:03:50.280 How cool is that? 0:03:50.760 --> 0:03:51.840 That is so cool. 0:03:52.040 --> 0:03:54.880 I can't think anyone who wouldn't love one thousand dollars 0:03:55.240 --> 0:03:59.000 just like on a randomnoon. 0:03:57.600 --> 0:04:01.080 You know, but also just being rewarded for being consistent 0:04:01.160 --> 0:04:04.480 and listening to our podcasts. I just feel like, when 0:04:04.520 --> 0:04:06.080 we were sitting down and we're like, how can we 0:04:06.200 --> 0:04:07.640 properly reward the community. 0:04:07.960 --> 0:04:09.600 I didn't want it to be super random. 0:04:09.840 --> 0:04:11.960 Yes, I wanted to make sure that we were a 0:04:12.000 --> 0:04:14.240 little bit intentional, and I feel like this is our 0:04:14.400 --> 0:04:16.960 way of playing mind games at the same time as 0:04:17.040 --> 0:04:19.200 giving away cash to the most committed person. 0:04:19.680 --> 0:04:21.920 Oh my, I just know already. If I was like 0:04:22.000 --> 0:04:23.719 listening to this and I was just like twelve pm, 0:04:23.880 --> 0:04:26.680 you've already turned it off. I no, I'm like sick 0:04:26.760 --> 0:04:28.200 to my stomach. I'm like, oh my god, I go 0:04:28.279 --> 0:04:31.679 back and make sure I've found like I would be racing. 0:04:31.760 --> 0:04:33.840 I love that for them, I love it. I'm excited. 0:04:33.839 --> 0:04:36.239 All right, guys, let's take a really quick break because 0:04:36.320 --> 0:04:38.680 I'm sorry. With a thousand episodes under our belt, we 0:04:38.839 --> 0:04:40.800 have some really fun sponsors that we want you to 0:04:40.880 --> 0:04:42.960 hear from. But when we get back, we'll be diving 0:04:43.040 --> 0:04:47.440 into more thousandth episode exclusives. That was a mouthful, but 0:04:47.520 --> 0:04:54.200 don't go anywhere. Welcome back to our thousandth episode of 0:04:54.279 --> 0:04:56.200 Sheese on the Money, where we're taking a little bit 0:04:56.200 --> 0:04:58.400 of a trip down memory lane and looking back at 0:04:58.480 --> 0:05:02.360 some of our earliest moment mints. All right, we've got 0:05:03.240 --> 0:05:07.440 what I have called my moments. Okay, Jess, be honest, 0:05:08.040 --> 0:05:10.719 have you ever gone back and listened to an episode 0:05:10.760 --> 0:05:11.640 of She's on the Money? 0:05:12.480 --> 0:05:15.320 I have, because it is my job and so. 0:05:17.080 --> 0:05:19.839 Unlucky, I do have to go back. That's where all 0:05:19.880 --> 0:05:23.200 those listeners came from. Back, pop it up. It's Jess 0:05:23.279 --> 0:05:23.840 and my mom. 0:05:24.200 --> 0:05:26.400 Maybe we don't have a single fan, it's just just 0:05:26.560 --> 0:05:32.520 real listening. Someone mentioned actually recently on an episode that 0:05:32.600 --> 0:05:35.160 they heard my first episode because I haven't. Neither of 0:05:35.240 --> 0:05:37.160 us have been here the whole time and I did 0:05:37.279 --> 0:05:39.080 go back and listen to that when they said it, 0:05:39.240 --> 0:05:41.680 because I was like, what did I it was? It 0:05:41.760 --> 0:05:43.840 was a randomy one. No, it was a Friday drink. 0:05:44.120 --> 0:05:44.760 I threw you in. 0:05:45.120 --> 0:05:48.520 Yeah, Friday, we love Jess. Well, it was easy to 0:05:48.560 --> 0:05:51.040 find because it was it was when I started, was 0:05:51.200 --> 0:05:54.320 right when format switched to three episodes, so you had 0:05:54.320 --> 0:05:55.960 to find the very first Friday. 0:05:56.200 --> 0:05:57.400 And wow, what a time. 0:05:57.720 --> 0:06:00.000 Wow it was but a shy spring chicken. 0:06:01.320 --> 0:06:05.440 We need to actually drink on Friday drinks. Oh that's gorgeous. 0:06:06.720 --> 0:06:07.360 Can we see that? 0:06:08.080 --> 0:06:11.040 So do you feel like you have changed your. 0:06:11.800 --> 0:06:14.080 Yes, of course, that you'd be more I've gotten so 0:06:14.200 --> 0:06:17.200 much more comfortable, I think, like you can listening. I 0:06:17.279 --> 0:06:19.279 don't know if anyone else can tell, but I could 0:06:19.320 --> 0:06:23.200 certainly tell that. I was so nervous and so scared, 0:06:23.640 --> 0:06:26.040 and I was new to the company, and I was like, 0:06:26.120 --> 0:06:27.760 I'd listened to the first season, so I was like, 0:06:27.839 --> 0:06:30.159 Victoria's changed my money story in my life, and now 0:06:30.160 --> 0:06:32.400 I sitting here sharing a vodka cruiser. 0:06:32.560 --> 0:06:36.080 Oh yeah, that was crazy. 0:06:36.200 --> 0:06:37.720 I need to go back and listen to that because 0:06:37.720 --> 0:06:40.800 I can't even remember. I know where we recorded it. 0:06:41.000 --> 0:06:45.120 I remember recording it and just how cool we've changed 0:06:45.320 --> 0:06:45.800 so much. 0:06:46.560 --> 0:06:48.320 Look, I am arguably a. 0:06:48.400 --> 0:06:51.880 Very sentimental person, especially since having babies, Like I feel 0:06:51.880 --> 0:06:56.160 like my sentimental like limit has definitely increased. And I 0:06:56.200 --> 0:06:58.880 feel like a thousand is a massive deal and I'm 0:06:58.920 --> 0:07:02.400 all about making a deal about everyday things, but like, 0:07:02.640 --> 0:07:05.440 this is not just an everyday thing. The team and 0:07:05.480 --> 0:07:08.599 I we did some quick maths and it actually ends 0:07:08.680 --> 0:07:12.520 up being something like twenty one full days, like twenty 0:07:12.520 --> 0:07:15.000 four hours in the day, full days of non stop 0:07:15.120 --> 0:07:16.680 She's on the Money. If you were to play the 0:07:16.800 --> 0:07:20.640 episodes back to back, Wow, twenty one whole days of content. 0:07:20.440 --> 0:07:23.600 Like of me, non stop talking, no break, no sleep, break, 0:07:23.800 --> 0:07:24.240 no sleep. 0:07:24.280 --> 0:07:24.480 Thanks. 0:07:25.920 --> 0:07:27.880 Yeah, isn't that insane? He's insane. 0:07:28.120 --> 0:07:31.000 We spent a lot of time with you guys. You 0:07:31.160 --> 0:07:32.080 know us really well. 0:07:32.240 --> 0:07:35.200 I'm so grateful to I always say you guys are 0:07:35.240 --> 0:07:37.760 friends that we just haven't met yet, and like I 0:07:38.000 --> 0:07:40.400 genuinely mean that. When we run into people on the 0:07:40.440 --> 0:07:42.480 street or people are like, are you Victoria from She's 0:07:42.480 --> 0:07:43.880 on Money, I'm like, yes, queen, who are you? 0:07:44.840 --> 0:07:47.440 Introduced me to you? Because I don't know your name? 0:07:47.480 --> 0:07:48.040 You know mine? 0:07:48.200 --> 0:07:51.559 Like Hi, it's actually the best but are you ready 0:07:51.680 --> 0:07:55.160 for the ultimate throwback. I went through some of the 0:07:55.240 --> 0:07:58.720 earliest posts on our Facebook page. Okay, so they are 0:07:59.000 --> 0:08:03.600 mostly but they're in the early days that She's on 0:08:03.640 --> 0:08:05.640 the Money, and I took a heap of screenshots, so 0:08:06.000 --> 0:08:08.240 I have them. I've gone on a laptop. I'll share 0:08:08.240 --> 0:08:10.480 them on socials obviously for you guys to go and 0:08:10.560 --> 0:08:12.360 have a squeeze, so you know what I'm talking about. 0:08:12.680 --> 0:08:16.080 But these are my little mic drop moments. They are 0:08:16.320 --> 0:08:18.680 arguably I don't know if the word is embarrassing. I 0:08:18.720 --> 0:08:22.080 think I'm embarrassed with my graphic design skills mostly, so 0:08:22.200 --> 0:08:22.920 please don't. 0:08:22.760 --> 0:08:24.040 Look too closely. 0:08:24.360 --> 0:08:27.560 But first one is the Victorias or vd's not so 0:08:27.720 --> 0:08:30.880 secret cash flow plan. I posted it was a little 0:08:30.880 --> 0:08:33.320 bit of a sneak peek into my cash flow system 0:08:33.440 --> 0:08:36.280 from twenty nineteen, which by the way, has not changed, 0:08:36.440 --> 0:08:38.520 like I've tweaked it. I've updated it, but it's like 0:08:38.679 --> 0:08:42.319 the same system Microsoft word formatting and like cut and 0:08:42.400 --> 0:08:45.920 paste and all. And I obviously use the like more 0:08:46.000 --> 0:08:48.760 than symbol and number three to make a love heart 0:08:48.800 --> 0:08:49.680 on that of course. 0:08:49.800 --> 0:08:49.959 Yep. 0:08:50.320 --> 0:08:51.200 And then there was a. 0:08:51.240 --> 0:08:54.760 Post about She's on the Money launching and topping the charts. 0:08:54.800 --> 0:08:59.760 It's a screenshot of our Apple podcast app, which looks 0:09:00.120 --> 0:09:03.720 so dated, and we're the top spot in the Australian 0:09:03.800 --> 0:09:06.520 podcast charts in twenty nineteen, not just of our category, 0:09:06.600 --> 0:09:10.959 but of like, oh, the entire podcast world. That's amazing, 0:09:11.080 --> 0:09:14.480 that's crazy, so crazy. There was a very cute picture 0:09:14.679 --> 0:09:18.520 of myself and Annabelle Lee from twenty nineteen. Then I 0:09:18.600 --> 0:09:20.640 took a screenshot and shared it because I was so proud, 0:09:20.679 --> 0:09:23.160 and I still am so proud. It's a screenshot of 0:09:23.360 --> 0:09:26.200 us hitting thirty thousand friends in our Facebook group. 0:09:26.480 --> 0:09:28.120 Oh and now we have over three hundred. 0:09:28.120 --> 0:09:31.240 Now we have more than three hundred and thirty thousand, Jess, 0:09:31.360 --> 0:09:32.440 isn't that insane? 0:09:32.880 --> 0:09:36.000 It just goes to show from little things, big things 0:09:36.120 --> 0:09:39.040 grow exactly. I couldn't believe it. I was like, oh 0:09:39.080 --> 0:09:40.800 my god. I remember being like, this is the most 0:09:40.840 --> 0:09:42.600 amount of people. This is like psychotic. 0:09:42.679 --> 0:09:46.320 Imagine a Facebook group with thirty thousand people, three hundred 0:09:46.360 --> 0:09:48.160 and thirty Now that's insane. 0:09:48.679 --> 0:09:51.679 And then there was a whole thread from twenty twenty one. 0:09:51.720 --> 0:09:54.559 Look, it's the pay it Forward thread where people in 0:09:54.640 --> 0:09:58.040 our community were sharing things like give vouchers, and favors 0:09:58.120 --> 0:10:00.000 and discounted services. 0:09:59.640 --> 0:10:01.839 All the name of just being kind to one another. 0:10:02.040 --> 0:10:05.120 That's so nice. I remember that that was really it 0:10:05.200 --> 0:10:08.480 was because the midst of COVID and we had so 0:10:08.640 --> 0:10:12.400 many people submitting into the Facebook group because we've always 0:10:12.400 --> 0:10:13.800 had post approvals on. 0:10:14.160 --> 0:10:14.360 Yeah. 0:10:14.400 --> 0:10:16.720 I remember we had so many people submitting in saying, Oh, 0:10:16.760 --> 0:10:18.120 I've got this thing that I want to share, I've 0:10:18.160 --> 0:10:19.319 got this thing that I want to share, and we 0:10:19.400 --> 0:10:21.200 were like, we can't have five hundred of those posts. 0:10:21.240 --> 0:10:23.120 It's just too hard to manage. So we made a 0:10:23.200 --> 0:10:26.520 thread and I remember it just being so lovely, like 0:10:26.600 --> 0:10:29.200 in the midst of what was an awful, awful time 0:10:29.360 --> 0:10:32.040 for everybody, particularly those of us here in Melbourne. I 0:10:32.120 --> 0:10:33.440 remember it was just so joyful. 0:10:33.760 --> 0:10:38.160 We should do that thread again, maybe in the Facebook group, 0:10:38.480 --> 0:10:40.760 not today, because we've got a lot going on. Keep 0:10:40.800 --> 0:10:43.559 your eyes peeled and we will do a pay it 0:10:43.640 --> 0:10:46.120 Forward thread again where if you've been sitting on something 0:10:46.200 --> 0:10:48.079 that you know could go to a better home, or 0:10:48.240 --> 0:10:50.640 like just something that you could share with someone in 0:10:50.720 --> 0:10:54.040 the community, you could drop it in there. My friends, 0:10:54.559 --> 0:10:59.079 are you ready ready for money? Diarist returns. So over 0:10:59.120 --> 0:11:02.439 the years we've interviewed literally hundreds of Money diarists, and 0:11:02.679 --> 0:11:05.880 while most of them have shared pretty incredible journeys so far, 0:11:06.320 --> 0:11:08.400 we know that there is still so much growth on 0:11:08.480 --> 0:11:10.360 the cards and that's like the best bit, right. How 0:11:10.400 --> 0:11:12.439 many times have you listened to a money diary and 0:11:12.640 --> 0:11:15.040 I have been like, oh my god, like your set, 0:11:15.120 --> 0:11:17.360 but imagine you in five or ten years, like you're 0:11:17.400 --> 0:11:20.640 going so far? Like to me, it's crazy because some 0:11:20.840 --> 0:11:25.160 of those diarists have gone five years, have gone six years, like, be. 0:11:25.280 --> 0:11:25.840 So for real. 0:11:26.200 --> 0:11:28.360 So we decided to seek out some of the diarists 0:11:28.440 --> 0:11:30.600 from our very first season to see how they were doing. 0:11:30.840 --> 0:11:33.520 It's been so long since I listened to that old episode, 0:11:33.559 --> 0:11:36.600 and it's so funny actually to hear how different things are, 0:11:36.720 --> 0:11:38.800 I guess, from back then to now. So at the 0:11:38.840 --> 0:11:42.480 time I was thirty three, I've recently turned forty. It 0:11:42.679 --> 0:11:45.760 just feels like so long ago. And back then, I 0:11:46.040 --> 0:11:49.560 was working predominantly as a fitness influencer. I was posting 0:11:49.600 --> 0:11:52.840 on social media, and from that my income was then 0:11:53.000 --> 0:11:57.040 generated through selling like programs and coaching services. 0:11:57.080 --> 0:11:59.240 So I wasn't really making much. 0:11:59.120 --> 0:12:02.920 Money, if any, via social media ads or anything, but 0:12:03.040 --> 0:12:06.920 I was generating a lot of income via people finding 0:12:07.000 --> 0:12:09.000 me on social media and then signing up to my 0:12:09.080 --> 0:12:14.440 fitness coaching services. And yeah, the snapshot of I guess 0:12:14.520 --> 0:12:17.839 the time that I was interviewed, that was my most 0:12:18.080 --> 0:12:22.480 successful period ever in my business. And twenty nineteen, yeah, 0:12:22.520 --> 0:12:25.120 I think my business brought in around one hundred and 0:12:25.160 --> 0:12:27.840 eighty K. Obviously I had to pay tax, super all 0:12:27.880 --> 0:12:30.000 that good stuff out of that, but that was a 0:12:30.120 --> 0:12:33.679 really high earning year. And then obviously twenty twenty happened. 0:12:34.280 --> 0:12:37.120 People weren't out and about working out as much, so 0:12:37.480 --> 0:12:41.199 my business really changed, and I also really changed and 0:12:41.320 --> 0:12:44.600 went into a totally different space and I'm now working 0:12:44.720 --> 0:12:48.760 as a counselor instead, so not really generating the income 0:12:48.880 --> 0:12:51.120 that I did back then, and also not really able 0:12:51.240 --> 0:12:55.040 to work the amount of hours that I could back then. 0:12:55.320 --> 0:12:58.720 So where I was earning upwards of sort of one 0:12:58.800 --> 0:13:01.040 hundred and twenty k consist for a few years in 0:13:01.080 --> 0:13:03.199 a row there, I'm a little under that. 0:13:03.679 --> 0:13:03.839 Now. 0:13:04.160 --> 0:13:07.160 I do earn a little bit more through social media 0:13:07.240 --> 0:13:09.520 ads because I am still doing that, and so that's 0:13:09.640 --> 0:13:11.200 kind of picked up and supplemented my. 0:13:11.200 --> 0:13:14.440 Income, which is nice, but yeah, really crazy to hear. 0:13:14.520 --> 0:13:18.160 How different things were back then, and I graded myself 0:13:18.280 --> 0:13:19.600 a BEE at the time. 0:13:20.120 --> 0:13:21.640 I still think that that's pretty fair. 0:13:22.080 --> 0:13:24.520 I think my income was good, but I was not 0:13:25.240 --> 0:13:28.880 particularly smart with my money. I would say now my 0:13:29.120 --> 0:13:33.000 earnings are lower, but I probably still grade myself somewhere 0:13:33.080 --> 0:13:36.319 around a BEE, maybe a B minus in that I 0:13:36.400 --> 0:13:39.920 don't earn as much, but I am more smart with 0:13:40.160 --> 0:13:44.040 my money. I'm not really investing or doing anything like 0:13:44.160 --> 0:13:46.520 that at this point because I did buy a house 0:13:46.559 --> 0:13:49.400 a couple of years ago, so I have really invested 0:13:49.520 --> 0:13:52.160 into that and just like made sure that I'm keeping 0:13:52.200 --> 0:13:54.960 on top of, like getting ahead of my mortgage repayments, 0:13:55.080 --> 0:13:57.960 especially with all of the craziness of interest rates and everything. 0:13:58.040 --> 0:14:00.720 To be able to try and put extra money aside 0:14:00.760 --> 0:14:02.679 to sort of buffer that is a real priority for 0:14:02.800 --> 0:14:05.760 me now. So I'm a little more future focused, I 0:14:05.880 --> 0:14:07.440 guess than I was at the time. 0:14:07.600 --> 0:14:10.880 I'm not spending as frivolously. I'm not buying it much. 0:14:10.800 --> 0:14:14.360 Active wear compared to them, So that's been a real 0:14:14.440 --> 0:14:17.600 positive that I'm just a little more particular about. 0:14:18.000 --> 0:14:22.680 Planning for my future in terms of my money values now. 0:14:23.720 --> 0:14:28.160 I think for me it's really important to still be present, 0:14:28.320 --> 0:14:31.440 still make sure that I'm enjoying life. I'm not traveling 0:14:31.480 --> 0:14:33.520 as much as I was, but it is still something 0:14:33.600 --> 0:14:36.040 that is a really strong value for me to have 0:14:36.240 --> 0:14:39.440 that sense of adventure and sort of breaking up the period. 0:14:39.520 --> 0:14:41.800 But instead of going on a long trip every year, 0:14:41.880 --> 0:14:44.920 it's probably a short trip every second year. But that's 0:14:45.000 --> 0:14:48.320 something that really does need to be put aside for 0:14:48.440 --> 0:14:49.960 me to make sure that I've got the time to 0:14:50.080 --> 0:14:53.520 do that, and just safety and security right now in 0:14:53.800 --> 0:14:56.080 the world that we live in with the crazy cost 0:14:56.200 --> 0:14:59.240 of living and interest rates and all of that. Really 0:14:59.400 --> 0:15:03.840 just trying to be somewhat consistent with my income, really 0:15:03.920 --> 0:15:07.040 keeping on top of that, putting money extra money aside 0:15:07.120 --> 0:15:09.800 if I do have a higher earning period, to just 0:15:10.160 --> 0:15:13.560 have that kitty there for the low periods, and just 0:15:13.640 --> 0:15:16.000 trying to be as stable as possible. I think that's 0:15:16.480 --> 0:15:18.560 the main thing that I really look for. One thing 0:15:18.640 --> 0:15:20.640 I am really proud of in running my own business 0:15:20.680 --> 0:15:22.840 over the last ten years is that in this entire 0:15:22.960 --> 0:15:25.400 time that I've been self employed, I have been pretty 0:15:25.440 --> 0:15:28.640 much entirely self sufficient. I've never had a business manager 0:15:28.720 --> 0:15:30.920 or anything like that to help me. I've done it 0:15:31.040 --> 0:15:32.880 all on my own and just kind of figured it 0:15:32.960 --> 0:15:35.080 out along the way, and such a big part of 0:15:35.200 --> 0:15:39.200 that is the work behind building a social media community 0:15:39.360 --> 0:15:42.160 that then turns into such a great lead generator for me. 0:15:42.880 --> 0:15:44.800 And part of that is the hard work. 0:15:44.880 --> 0:15:47.920 In showing up and making good content and building those connections, 0:15:48.040 --> 0:15:50.200 but also a little bit of that is just luck 0:15:50.280 --> 0:15:51.960 and being at the right place at the right time 0:15:52.040 --> 0:15:54.880 to build a bit of a following. So trying to 0:15:54.960 --> 0:15:57.160 kind of leverage off that and make sure that it's 0:15:57.200 --> 0:16:00.920 a sustainable business model is something I'm more conscious of now. 0:16:01.040 --> 0:16:03.600 I've been really fortunate that I've never had to run 0:16:03.640 --> 0:16:07.720 any paid ads. Everything has just come through so organically, 0:16:07.840 --> 0:16:09.920 which has been really lucky. But I'm now kind of 0:16:10.000 --> 0:16:12.760 trying to diversify that a little bit and not just 0:16:12.920 --> 0:16:16.280 rely on social media just in case it ever disappears 0:16:16.360 --> 0:16:18.720 at any point. I'm trying to build referral networks and 0:16:19.160 --> 0:16:20.960 all those kinds of things just to make sure that 0:16:21.080 --> 0:16:23.840 I'm like safe and stable and kind of planning for 0:16:23.960 --> 0:16:25.400 any changes in the future. 0:16:25.560 --> 0:16:28.120 But I feel really lucky that I've been able to. 0:16:28.160 --> 0:16:31.760 Do that on my own and create this out of nothing, 0:16:32.280 --> 0:16:34.720 and you know, lead to me being able to pay 0:16:34.800 --> 0:16:36.280 my own way through life, buy my. 0:16:36.360 --> 0:16:38.200 Own house, which I never thought i'd be able to 0:16:38.320 --> 0:16:41.880 do on my own. So the fact that I did 0:16:41.960 --> 0:16:44.280 this by myself is yeah, really special. 0:16:44.480 --> 0:16:45.320 Oh that's amazing. 0:16:45.760 --> 0:16:48.520 I am obsessed with her. I literally love her so much. 0:16:48.600 --> 0:16:50.680 And we know her Jess and I know her personally. 0:16:50.800 --> 0:16:53.560 We're not gonna give it away how she is, but like, 0:16:53.720 --> 0:16:56.360 that's whey. One of our diarists has been and has 0:16:56.480 --> 0:16:59.040 been growing, and I just think it is so important 0:16:59.200 --> 0:17:02.400 that we become who we meant to be. Yeah, And 0:17:02.520 --> 0:17:05.679 as much as this is a money podcast, not focus 0:17:05.800 --> 0:17:09.040 so much on the money, totally absolutely, Like it just 0:17:09.119 --> 0:17:11.080 goes to show that even our ideas and our values 0:17:11.080 --> 0:17:14.200 about money can shift and change and evolved throughout our lifetimes. 0:17:14.240 --> 0:17:15.919 And that I guess things that. 0:17:15.960 --> 0:17:20.040 We once thought defined us and were us and what 0:17:20.240 --> 0:17:23.359 wealth could look like can be so so different in 0:17:23.520 --> 0:17:25.119 just a matter of years. And all of this is 0:17:25.160 --> 0:17:28.840 to say, should we bring back money diarists onto the 0:17:28.960 --> 0:17:31.800 show and do a whole where are they now? 0:17:32.200 --> 0:17:34.000 I loved hearing what she's up to now and I 0:17:34.080 --> 0:17:36.120 think it's she's living a life that I would love 0:17:36.160 --> 0:17:39.680 to live. Yeah, you know, I think she's so positive 0:17:39.760 --> 0:17:44.159 and so happy and just such a beautiful soul. I 0:17:44.280 --> 0:17:47.440 think the irrespective of what that journey has looked like. 0:17:48.400 --> 0:17:51.160 I loved hearing that update, and I want to hear more. 0:17:51.320 --> 0:17:53.840 I'm so we've had so many fabulous dirests over the year. 0:17:54.040 --> 0:17:55.719 Bring them back, Bring them back. 0:17:56.480 --> 0:17:59.720 But also it's funny listening to it because when I 0:18:00.280 --> 0:18:02.679 met this person and they were on the show, they 0:18:02.720 --> 0:18:05.359 were just a diarist to me, if that makes sense, 0:18:05.480 --> 0:18:07.040 Like I thought they had a really cool story. I 0:18:07.119 --> 0:18:10.000 wanted to have them online, and since then we've developed 0:18:10.000 --> 0:18:12.960 a personal relationship. They came to my thirtieth birthday, Like 0:18:13.160 --> 0:18:15.960 they're just a really wholesome human being. And it just 0:18:16.040 --> 0:18:18.400 reminds me that it's not just about like the destination. 0:18:18.600 --> 0:18:20.840 Maybe sometimes it's about the friends that you collect along 0:18:20.880 --> 0:18:23.119 the way. Yeah, God, we have lots of cheese on 0:18:23.160 --> 0:18:25.720 the money friends. All Right, after the break, we're going 0:18:25.800 --> 0:18:27.800 to be running through some of our favorite things, some 0:18:28.040 --> 0:18:32.679 team picks that we think have enduring value, plus your 0:18:32.760 --> 0:18:34.640 way to win each and every single one of those 0:18:34.680 --> 0:18:36.360 things that we think are valuable. 0:18:36.520 --> 0:18:37.680 So stick around, guys. 0:18:41.320 --> 0:18:44.640 Our one thousandth episode is coming up soon, and to celebrate, 0:18:44.720 --> 0:18:47.639 We're giving one clever listener a chance to win She's 0:18:47.760 --> 0:18:53.240 Stashed the Cash. Today's mystery word is thirty. Tune into 0:18:53.320 --> 0:18:55.800 episodes of She's on the Money between the seventeenth of 0:18:55.920 --> 0:18:58.280 June and the third of July and listen out for 0:18:58.320 --> 0:19:02.040 the hidden code words. In total, the first person to 0:19:02.200 --> 0:19:04.520