1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,560 Speaker 1: acknowledging 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 00:00:27,240 --> 00:00:30,600 Speaker 1: the storytelling of you to make a difference for today 9 00:00:31,040 --> 00:00:32,640 Speaker 1: and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:39,000 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,720 --> 00:01:01,280 Speaker 2: Hello, and welcome to She's the Money the Podcast and 13 00:01:01,360 --> 00:01:05,679 Speaker 2: millennials who want financial freedom. Welcome back to another one 14 00:01:05,680 --> 00:01:08,600 Speaker 2: of our money Dary episodes where I get the absolute 15 00:01:08,720 --> 00:01:11,720 Speaker 2: pleasure of sitting down with one of our community members 16 00:01:11,760 --> 00:01:15,600 Speaker 2: to learn all about their journey. Before we jump straight 17 00:01:15,600 --> 00:01:17,080 Speaker 2: into it, I do want to give you guys a 18 00:01:17,120 --> 00:01:19,360 Speaker 2: little bit of a content warning. We are going to 19 00:01:19,400 --> 00:01:22,560 Speaker 2: discuss the topic of sexual and psychological abuse, So if 20 00:01:22,560 --> 00:01:25,000 Speaker 2: that's something that you're not interested in consuming this week, 21 00:01:25,080 --> 00:01:27,640 Speaker 2: I totally get it. We have literally hundreds of other 22 00:01:27,720 --> 00:01:30,440 Speaker 2: episodes that you can dive straight into. But if you're 23 00:01:30,440 --> 00:01:32,959 Speaker 2: sticking around, let's jump into the message that I got 24 00:01:32,959 --> 00:01:36,760 Speaker 2: this week. It sounded exactly like this, Hi V. My 25 00:01:36,880 --> 00:01:40,640 Speaker 2: trauma healing journey helped my money mindset. I went from 26 00:01:40,680 --> 00:01:43,280 Speaker 2: being in a well off situation as a child, and 27 00:01:43,319 --> 00:01:46,360 Speaker 2: when my parents divorced, things changed and I had to 28 00:01:46,360 --> 00:01:49,160 Speaker 2: pay my own way through school. I used to live 29 00:01:49,160 --> 00:01:51,960 Speaker 2: in fear of spending any money at all, but now 30 00:01:52,040 --> 00:01:55,920 Speaker 2: I am informed and empowered. Healing through issues like sexual 31 00:01:55,960 --> 00:01:59,280 Speaker 2: and psychological abuse with a professional had a positive ripple 32 00:01:59,320 --> 00:02:02,200 Speaker 2: effect on my mind mindset. I've been able to reach 33 00:02:02,280 --> 00:02:05,480 Speaker 2: goals I never thought were possible, like buying a new car, 34 00:02:05,880 --> 00:02:08,600 Speaker 2: going on a dream Europe trip, which led to me 35 00:02:08,639 --> 00:02:12,359 Speaker 2: getting engaged, and now my focus is on budgeting from 36 00:02:12,360 --> 00:02:15,680 Speaker 2: my engagement and wedding while working full time in foster 37 00:02:15,800 --> 00:02:19,720 Speaker 2: care and studying UNI online. I've been a loyal She's 38 00:02:19,760 --> 00:02:24,680 Speaker 2: on the Money subscriber since the very first podcast Money Diarist. 39 00:02:24,800 --> 00:02:26,360 Speaker 2: I'm so excited to meet you. 40 00:02:27,520 --> 00:02:29,919 Speaker 4: Oh gosh, that feels so weird hearing it back. 41 00:02:30,080 --> 00:02:32,280 Speaker 2: Isn't it crazy when you hear your own story back 42 00:02:32,320 --> 00:02:34,920 Speaker 2: and you're like, Wow, that's a pretty impressive. Hey, absolutely, 43 00:02:35,120 --> 00:02:36,560 Speaker 2: How does it make you feel? Does it make you 44 00:02:36,600 --> 00:02:38,679 Speaker 2: feel proud? Does it make you feel overwhelmed? 45 00:02:38,880 --> 00:02:38,960 Speaker 1: Like? 46 00:02:39,040 --> 00:02:39,960 Speaker 2: What's that feeling? 47 00:02:40,080 --> 00:02:41,079 Speaker 4: Like? Oh? 48 00:02:41,120 --> 00:02:43,920 Speaker 2: Hello baby? Who's that? Who's that? 49 00:02:43,919 --> 00:02:46,160 Speaker 4: That's my cat, Lucy. She loves the computer. 50 00:02:46,280 --> 00:02:49,400 Speaker 2: So oh hello Lucy. Good name for a pet, though, 51 00:02:49,560 --> 00:02:51,000 Speaker 2: I would definitely use that one. 52 00:02:52,200 --> 00:02:56,160 Speaker 4: I feel really proud listening to that almost like makes 53 00:02:56,400 --> 00:02:59,520 Speaker 4: my tears well up when I think, Yeah, it's just 54 00:02:59,520 --> 00:03:02,040 Speaker 4: been such a long journey getting from where I was 55 00:03:02,880 --> 00:03:03,919 Speaker 4: to where I am now. 56 00:03:04,040 --> 00:03:08,040 Speaker 2: And now you're just getting back from a European holiday, 57 00:03:08,240 --> 00:03:12,040 Speaker 2: engaged to you're planning a wedding. Is that not the coolest, 58 00:03:12,120 --> 00:03:13,400 Speaker 2: most surreal thing ever? 59 00:03:14,000 --> 00:03:16,520 Speaker 4: It was the most fairy tale holiday. It just really 60 00:03:16,520 --> 00:03:17,880 Speaker 4: could not have been more perfect. 61 00:03:17,960 --> 00:03:20,400 Speaker 2: So now I adore it. You deserve it so much. 62 00:03:20,520 --> 00:03:22,840 Speaker 2: All right, let's start this episode the same way I 63 00:03:22,919 --> 00:03:25,720 Speaker 2: always do. Money Diarist. If I asked you to give 64 00:03:25,720 --> 00:03:28,120 Speaker 2: yourself a money grade from A three to F, what 65 00:03:28,200 --> 00:03:29,200 Speaker 2: would your grade be? 66 00:03:29,800 --> 00:03:32,320 Speaker 4: I think I would give myself a B. When I 67 00:03:32,400 --> 00:03:35,040 Speaker 4: look at how I used to see money, I just 68 00:03:35,200 --> 00:03:39,840 Speaker 4: was so scared to buy food, spend any money at all. 69 00:03:40,280 --> 00:03:42,320 Speaker 4: I would literally go to the shops and if I 70 00:03:42,360 --> 00:03:45,920 Speaker 4: was hungry, I would like just not buy food for 71 00:03:45,960 --> 00:03:48,880 Speaker 4: the sake of not even spending money. So now I 72 00:03:49,000 --> 00:03:51,880 Speaker 4: have such a balance approach, so I would say, a bee, 73 00:03:51,920 --> 00:03:53,760 Speaker 4: I've come so far, but there's always more. 74 00:03:54,120 --> 00:03:57,040 Speaker 2: Let's learn more about that. I'm really excited to dive 75 00:03:57,080 --> 00:04:00,200 Speaker 2: into this one money direst my favorite question of all time. 76 00:04:00,280 --> 00:04:02,520 Speaker 2: Can you tell me a little bit more about your 77 00:04:02,600 --> 00:04:03,320 Speaker 2: money story? 78 00:04:03,680 --> 00:04:08,800 Speaker 4: So I think I have had two completely opposite experiences 79 00:04:08,840 --> 00:04:11,040 Speaker 4: in terms of my money story. So when I was 80 00:04:11,120 --> 00:04:15,360 Speaker 4: really young, my parents wood together. My dad retired really early, 81 00:04:15,480 --> 00:04:19,479 Speaker 4: was really well off, no issues, no mortgage, nothing, Everything 82 00:04:19,640 --> 00:04:25,160 Speaker 4: was a breeze. And then my parents split and I 83 00:04:25,200 --> 00:04:27,680 Speaker 4: went to go live with my mum, which was the 84 00:04:27,800 --> 00:04:32,560 Speaker 4: complete opposite side. We would be really struggling to get 85 00:04:32,560 --> 00:04:36,640 Speaker 4: groceries and meet bills, and I had to actually pay 86 00:04:36,680 --> 00:04:39,320 Speaker 4: my way through my high school years as well. So 87 00:04:39,360 --> 00:04:42,320 Speaker 4: I did go to a public school, so it's nothing crazy, 88 00:04:42,360 --> 00:04:45,600 Speaker 4: but for a sixteen year old, those fees and those excursions, 89 00:04:45,640 --> 00:04:47,520 Speaker 4: it's a huge amount of money, and. 90 00:04:47,520 --> 00:04:49,960 Speaker 2: It's a lot of pressure as well. It's not just 91 00:04:50,040 --> 00:04:53,080 Speaker 2: the money, it's the mental load when you should be 92 00:04:53,160 --> 00:04:56,880 Speaker 2: learning and playing with friends and not necessarily worrying too 93 00:04:56,920 --> 00:05:00,560 Speaker 2: much about the financial aspect of life. Type of work 94 00:05:00,600 --> 00:05:01,320 Speaker 2: were you doing. 95 00:05:02,000 --> 00:05:05,240 Speaker 4: I was doing just the usual retail I think I 96 00:05:05,240 --> 00:05:07,839 Speaker 4: have three jobs circling at one time when I'm in 97 00:05:07,920 --> 00:05:10,800 Speaker 4: high school. It's not ideal, but I just knew. 98 00:05:10,800 --> 00:05:11,720 Speaker 2: I had to pay your way. 99 00:05:12,480 --> 00:05:15,960 Speaker 4: Yeah, I really had no choice. So yeah, that's where 100 00:05:16,320 --> 00:05:20,120 Speaker 4: that just grew such a scared mindset for me to be. 101 00:05:20,240 --> 00:05:22,040 Speaker 4: You know, when I become an adult, I don't want 102 00:05:22,040 --> 00:05:26,640 Speaker 4: to be living that life because it's terrible, really and unfortunately. 103 00:05:26,680 --> 00:05:30,960 Speaker 4: I had a few issues as a young child, things 104 00:05:31,040 --> 00:05:34,320 Speaker 4: like sexual abuse and psychological abuse, which I think just 105 00:05:35,080 --> 00:05:39,719 Speaker 4: in turn is still that scared scarcity mindset. And I 106 00:05:39,800 --> 00:05:43,279 Speaker 4: never told my parents about that because I just know, 107 00:05:43,279 --> 00:05:45,680 Speaker 4: knowing them and their work that I do as well, 108 00:05:45,720 --> 00:05:49,880 Speaker 4: like I work heavily and trauma informed here, so I 109 00:05:49,960 --> 00:05:53,320 Speaker 4: just know the support really wouldn't be there. So I 110 00:05:53,360 --> 00:05:56,479 Speaker 4: was able to get some support through professional help on 111 00:05:56,600 --> 00:06:00,119 Speaker 4: those issues, which I think really fed into me being 112 00:06:00,279 --> 00:06:03,799 Speaker 4: able to take control of my money mindset as well, 113 00:06:03,800 --> 00:06:06,200 Speaker 4: because it was just scared about everything. 114 00:06:06,320 --> 00:06:09,200 Speaker 2: Really for good reason, because you've been through a lot, 115 00:06:09,320 --> 00:06:12,680 Speaker 2: it makes sense, like to go through the trauma that 116 00:06:12,720 --> 00:06:15,920 Speaker 2: you've been through, and then add on financial issues, like 117 00:06:15,960 --> 00:06:19,680 Speaker 2: all of those things just weigh so heavily on shoulders 118 00:06:19,720 --> 00:06:22,120 Speaker 2: that aren't ready to carry the weight of the world. 119 00:06:23,520 --> 00:06:26,680 Speaker 2: I'm so sorry that your family isn't the support that 120 00:06:26,960 --> 00:06:28,760 Speaker 2: you know you need in that moment. And I think 121 00:06:28,760 --> 00:06:30,960 Speaker 2: a lot of people can probably resonate with that, because 122 00:06:31,000 --> 00:06:32,800 Speaker 2: you either don't want to have the conversation or know 123 00:06:32,880 --> 00:06:34,960 Speaker 2: that the conversation won't go the way that you need 124 00:06:35,000 --> 00:06:38,200 Speaker 2: it to. How did you know to reach out for 125 00:06:38,279 --> 00:06:41,479 Speaker 2: professional support, because it sounds like growing up, You know, 126 00:06:41,520 --> 00:06:44,080 Speaker 2: once you hit those teenage years, you just didn't have 127 00:06:44,120 --> 00:06:46,000 Speaker 2: the support you needed. How did you know where to 128 00:06:46,080 --> 00:06:48,880 Speaker 2: find that and what you were looking for, because there 129 00:06:48,880 --> 00:06:51,600 Speaker 2: are so many teenagers that would have no idea that 130 00:06:51,640 --> 00:06:55,080 Speaker 2: these resources exist, let alone that they need them themselves. 131 00:06:55,400 --> 00:06:57,640 Speaker 4: It's only the last couple of years that I've really 132 00:06:58,000 --> 00:07:02,240 Speaker 4: sought that advice because my lovely fiance Now. 133 00:07:02,120 --> 00:07:04,680 Speaker 2: Look at your little face when you talk about them. 134 00:07:05,320 --> 00:07:08,760 Speaker 2: Sometimes I really wish that money diaries were visual. Obviously 135 00:07:08,800 --> 00:07:10,680 Speaker 2: this is anonymous, but I can tell you right now 136 00:07:10,720 --> 00:07:13,640 Speaker 2: she just like had that cheeky smile when she mentioned 137 00:07:13,840 --> 00:07:16,280 Speaker 2: my fiance. I love that so much. 138 00:07:16,960 --> 00:07:19,320 Speaker 4: I could see that those issues that I'd never dealt 139 00:07:19,360 --> 00:07:21,840 Speaker 4: with and I never got any support when I was young, 140 00:07:22,200 --> 00:07:25,520 Speaker 4: and I never told anyone until I met him. Yeah, 141 00:07:25,560 --> 00:07:28,120 Speaker 4: I could just see it was really affecting my relationship, 142 00:07:28,600 --> 00:07:31,400 Speaker 4: and I just thought, this is something that I really 143 00:07:32,600 --> 00:07:35,760 Speaker 4: want to see out so and working in the industry 144 00:07:35,760 --> 00:07:38,720 Speaker 4: that I work in, I knew, I guess, you know, 145 00:07:38,880 --> 00:07:41,640 Speaker 4: the resources that were out there. I was about twenty 146 00:07:41,640 --> 00:07:43,560 Speaker 4: five at this point when I decided to reach out 147 00:07:43,600 --> 00:07:47,440 Speaker 4: to someone, So yeah, I just did that, I guess 148 00:07:47,480 --> 00:07:51,600 Speaker 4: to benefit how I would be as an adult and 149 00:07:51,920 --> 00:07:54,440 Speaker 4: repair those hardships. 150 00:07:54,760 --> 00:07:57,960 Speaker 2: Oh my gosh. So let's jump backwards a little bit. 151 00:07:58,040 --> 00:08:01,160 Speaker 2: You finish high school and what do you do where 152 00:08:01,280 --> 00:08:04,480 Speaker 2: if we landed? What does I guess between the end 153 00:08:04,520 --> 00:08:06,720 Speaker 2: of high school and twenty five look like. 154 00:08:07,320 --> 00:08:12,480 Speaker 4: It was a roller coaster. I definitely have had many 155 00:08:12,760 --> 00:08:16,080 Speaker 4: ups and downs during that time, and I think it 156 00:08:16,120 --> 00:08:20,640 Speaker 4: was just as people that go through such traumatic experiences 157 00:08:20,720 --> 00:08:24,239 Speaker 4: like that, I think the trials and tribulations really play 158 00:08:24,280 --> 00:08:26,559 Speaker 4: out when they come to that adulthood and they're finding 159 00:08:26,600 --> 00:08:30,680 Speaker 4: themselves so jumping from job to job and doing a 160 00:08:30,680 --> 00:08:33,199 Speaker 4: lot of things that probably didn't serve me in terms 161 00:08:33,240 --> 00:08:36,160 Speaker 4: of partying and you know, going off the rails. So 162 00:08:36,840 --> 00:08:42,160 Speaker 4: then when I came to yeah that twenty five ages things, 163 00:08:42,160 --> 00:08:44,160 Speaker 4: we started to slow down and I really started to 164 00:08:44,200 --> 00:08:45,040 Speaker 4: work on myself. 165 00:08:45,320 --> 00:08:48,200 Speaker 2: I love that. And so now let's jump forward to 166 00:08:48,240 --> 00:08:50,080 Speaker 2: your money story. When you wrote in you said that 167 00:08:50,240 --> 00:08:53,960 Speaker 2: your trauma healing journey had helped your money mindset. Tell 168 00:08:53,960 --> 00:08:55,920 Speaker 2: me how those two things linked together. 169 00:08:56,440 --> 00:08:59,600 Speaker 4: With that trauma that I had experienced. You know, it 170 00:08:59,679 --> 00:09:01,520 Speaker 4: was so scary when I was young, and it was 171 00:09:01,559 --> 00:09:03,720 Speaker 4: you know, for a really long time that it did occur. 172 00:09:04,559 --> 00:09:07,160 Speaker 4: And yeah, I guess I was just scared of the world, 173 00:09:07,880 --> 00:09:11,200 Speaker 4: really scared to do anything, and it just led into 174 00:09:11,240 --> 00:09:14,560 Speaker 4: all aspects of my life where it was socializing, spending money. 175 00:09:15,080 --> 00:09:19,120 Speaker 4: And when I started to see someone and really unpack 176 00:09:20,440 --> 00:09:23,280 Speaker 4: why I was so scared to do things, it just 177 00:09:23,400 --> 00:09:25,560 Speaker 4: kind of cracked open all those little parts of my 178 00:09:25,679 --> 00:09:28,600 Speaker 4: life where I just didn't think that they were related. 179 00:09:28,640 --> 00:09:33,080 Speaker 4: I just thought that they were all part of my 180 00:09:33,240 --> 00:09:36,440 Speaker 4: roller coaster. But as I really started to get into it, 181 00:09:36,480 --> 00:09:39,400 Speaker 4: I just could bring it back to you know, I 182 00:09:39,440 --> 00:09:43,080 Speaker 4: was just scared to grow and scared to trust and 183 00:09:43,320 --> 00:09:46,360 Speaker 4: those sorts of things. So as I worked through those issues, 184 00:09:47,080 --> 00:09:49,040 Speaker 4: and then helpful she's on the money. I found she's 185 00:09:49,080 --> 00:09:51,360 Speaker 4: on money so early, and I just was so scared 186 00:09:52,000 --> 00:09:55,280 Speaker 4: having to pay my own way through school. It's just 187 00:09:55,360 --> 00:09:58,880 Speaker 4: something that's so instilled. When I thought about my future, 188 00:09:58,880 --> 00:10:00,959 Speaker 4: I thought, oh gosh, I don't or my children to 189 00:10:01,040 --> 00:10:03,520 Speaker 4: be doing that. I just think it's made me feel 190 00:10:03,559 --> 00:10:07,240 Speaker 4: really empowered to crack those things open and understand why 191 00:10:07,320 --> 00:10:11,320 Speaker 4: I just built up that scarcity. 192 00:10:12,240 --> 00:10:15,240 Speaker 2: Yeah, it's heartbreaking when you hear this, but then also 193 00:10:15,400 --> 00:10:19,320 Speaker 2: I'm just I know you're in such a different position now, 194 00:10:20,040 --> 00:10:22,960 Speaker 2: and sometimes we have to go through these things to 195 00:10:23,040 --> 00:10:25,320 Speaker 2: really value where we're at now. No one should have 196 00:10:25,360 --> 00:10:27,360 Speaker 2: to go through them, but I think it does give 197 00:10:27,400 --> 00:10:30,560 Speaker 2: you a really beautiful perspective on the world, where you go, wow, 198 00:10:31,080 --> 00:10:33,120 Speaker 2: like I went through that. I'm so proud of myself. 199 00:10:33,160 --> 00:10:35,160 Speaker 2: But it makes a lot of sense to me where 200 00:10:35,200 --> 00:10:39,640 Speaker 2: you're working now, because I feel, like, you know, I've 201 00:10:39,640 --> 00:10:42,840 Speaker 2: had this conversation a million times. I did psychology. I 202 00:10:42,880 --> 00:10:46,400 Speaker 2: thought I wanted to work in psychology. Obviously stumbled accidentally 203 00:10:46,400 --> 00:10:50,640 Speaker 2: into finance, which arguably I still think is psychology. But 204 00:10:51,120 --> 00:10:52,640 Speaker 2: I look at it and I go it takes such 205 00:10:52,640 --> 00:10:54,880 Speaker 2: a special person to work in the area that you 206 00:10:55,040 --> 00:10:59,760 Speaker 2: work in, because the most valuable people, unfortunately at the 207 00:10:59,800 --> 00:11:03,080 Speaker 2: sime time as fortunately, are the ones that have actually 208 00:11:03,280 --> 00:11:05,839 Speaker 2: experienced it. Because when you're going through that and you're 209 00:11:05,880 --> 00:11:08,920 Speaker 2: helping other people, especially in that foster system, especially, you 210 00:11:08,920 --> 00:11:11,760 Speaker 2: know when they've experienced trauma, it's a way of connecting 211 00:11:11,840 --> 00:11:14,360 Speaker 2: in a way that you can't if you've never experienced it. 212 00:11:14,760 --> 00:11:17,280 Speaker 2: And I just think that is such a special position 213 00:11:17,360 --> 00:11:19,280 Speaker 2: for you to be in because obviously you could just 214 00:11:19,280 --> 00:11:20,640 Speaker 2: bury your head in the sand and go get a 215 00:11:20,679 --> 00:11:23,040 Speaker 2: job in finance and never talk about those things again. 216 00:11:23,480 --> 00:11:26,559 Speaker 2: And it takes such vulnerability to step out and be like, well, 217 00:11:26,559 --> 00:11:28,280 Speaker 2: I'm going to help people with this every day, which 218 00:11:28,280 --> 00:11:30,640 Speaker 2: actually means I've got to confront my own demons and 219 00:11:30,679 --> 00:11:33,120 Speaker 2: I've actually got to go through my own trauma cycle, 220 00:11:33,200 --> 00:11:35,360 Speaker 2: and I've actually got to get through these things otherwise 221 00:11:35,440 --> 00:11:38,040 Speaker 2: I'm not going to be helpful at all. So that 222 00:11:38,120 --> 00:11:41,120 Speaker 2: leads into the question of what is your official job title? 223 00:11:41,160 --> 00:11:43,040 Speaker 2: And my friend, how much money do you earn? 224 00:11:43,679 --> 00:11:46,760 Speaker 4: So my official job title is a care and support 225 00:11:46,800 --> 00:11:50,840 Speaker 4: officer and essentially what I do is I offer support 226 00:11:50,880 --> 00:11:54,760 Speaker 4: and advocacy for foster cares, which would be people that 227 00:11:54,800 --> 00:11:58,080 Speaker 4: are looking after children in the foster care system. I 228 00:11:58,360 --> 00:12:01,880 Speaker 4: earn about one hundred and seven thousand inclusive of super 229 00:12:01,960 --> 00:12:05,080 Speaker 4: which is paid at eleven percent. And being in the 230 00:12:05,120 --> 00:12:08,079 Speaker 4: industry that I work and you are entitled to a salary. 231 00:12:07,679 --> 00:12:09,400 Speaker 2: Sacrifice, Now it's a money win. 232 00:12:09,880 --> 00:12:15,760 Speaker 4: Fifteen nine hundred dollars of my pre tax pay is 233 00:12:16,559 --> 00:12:20,440 Speaker 4: paid across the weeks directly into my bank account as 234 00:12:20,480 --> 00:12:24,400 Speaker 4: a sacrifice, I guess for being in that industry. And 235 00:12:25,160 --> 00:12:28,520 Speaker 4: you can use on things like rent car. 236 00:12:28,679 --> 00:12:31,199 Speaker 2: And do you have to stipulate what you're using your 237 00:12:31,200 --> 00:12:33,960 Speaker 2: salary sacrifice on or do they just give you a 238 00:12:33,960 --> 00:12:36,840 Speaker 2: set amount and you allocate your own budget towards that. 239 00:12:37,120 --> 00:12:40,240 Speaker 4: There's lots of different things you can do. You can 240 00:12:40,880 --> 00:12:44,640 Speaker 4: get no vated leases or food and grocery cards that 241 00:12:44,640 --> 00:12:47,160 Speaker 4: that money gets. There's different options. It really depends on 242 00:12:47,200 --> 00:12:49,520 Speaker 4: what works for you. So I use it for rent 243 00:12:49,840 --> 00:12:50,560 Speaker 4: each to their. 244 00:12:50,400 --> 00:12:53,960 Speaker 2: Own Yeah, fair, I love that. That is like really 245 00:12:54,000 --> 00:12:56,640 Speaker 2: really cool. What do you find I guess the most 246 00:12:56,720 --> 00:13:00,000 Speaker 2: challenging thing about working with foster cares. 247 00:13:00,520 --> 00:13:03,120 Speaker 4: I've done many roles in this industry. I used to 248 00:13:03,160 --> 00:13:06,080 Speaker 4: work a lot with youth homelessness. Face to face with 249 00:13:06,200 --> 00:13:10,360 Speaker 4: foster cares, I think it's really hard because you're not 250 00:13:10,600 --> 00:13:14,000 Speaker 4: in the home with them to see on the ground, 251 00:13:14,120 --> 00:13:16,760 Speaker 4: and there's only so much you can offer, and it 252 00:13:16,800 --> 00:13:22,439 Speaker 4: really is about educating them and instilling information or strategies 253 00:13:22,679 --> 00:13:26,439 Speaker 4: as much as I can from my little office, so 254 00:13:26,520 --> 00:13:29,120 Speaker 4: you're not there to give them that really intense face 255 00:13:29,200 --> 00:13:32,360 Speaker 4: to face support. But I think that's really hard sometimes, 256 00:13:32,440 --> 00:13:36,280 Speaker 4: especially with the message, can be getting lost and foster cares, 257 00:13:36,280 --> 00:13:38,200 Speaker 4: of course, it's not just a job for them. It 258 00:13:38,320 --> 00:13:42,560 Speaker 4: is their life, which I completely understand, and sometimes things 259 00:13:42,920 --> 00:13:45,760 Speaker 4: get lost in translation. There's lots of emotions there, so 260 00:13:45,920 --> 00:13:48,440 Speaker 4: sometimes it does feel like you can only provide so 261 00:13:48,600 --> 00:13:52,240 Speaker 4: much support from the roles I've experienced. 262 00:13:52,640 --> 00:13:55,240 Speaker 2: Yeah. Wow. And what's the best thing about it, because 263 00:13:55,240 --> 00:13:57,480 Speaker 2: it's such a beautiful space to be in at the 264 00:13:57,480 --> 00:13:59,719 Speaker 2: same time as it being really challenging. 265 00:14:00,160 --> 00:14:04,080 Speaker 4: The best thing when children are in the out of 266 00:14:04,120 --> 00:14:07,679 Speaker 4: home care system, there are ways to permanency. I'd be 267 00:14:07,920 --> 00:14:10,760 Speaker 4: adoption or guardianship when the child is no longer in 268 00:14:10,760 --> 00:14:14,720 Speaker 4: the system. Seeing those journeys and they are very low 269 00:14:15,320 --> 00:14:18,480 Speaker 4: but hard work and commitment from their case work team 270 00:14:18,559 --> 00:14:21,840 Speaker 4: and other supports just seeing that bond between them. These 271 00:14:21,920 --> 00:14:25,000 Speaker 4: children have been through so much, just seeing that bond 272 00:14:25,920 --> 00:14:28,040 Speaker 4: grow and grow and grow. It's an ever long journey, 273 00:14:28,440 --> 00:14:30,560 Speaker 4: but I think that is the most rewarding part. 274 00:14:30,640 --> 00:14:33,480 Speaker 2: That would be so beautiful to see. Like, ah, it 275 00:14:33,520 --> 00:14:37,280 Speaker 2: would be so rewarding being like you finally have permanency. 276 00:14:37,520 --> 00:14:41,160 Speaker 2: And obviously the kids sometimes don't understand what that means 277 00:14:41,160 --> 00:14:44,080 Speaker 2: for their future, but like, especially being in the position 278 00:14:44,120 --> 00:14:46,360 Speaker 2: that you're in, you go, that would have meant so much, 279 00:14:46,800 --> 00:14:51,120 Speaker 2: Like it's just so beautiful. Tell me now, obviously you've 280 00:14:51,160 --> 00:14:53,560 Speaker 2: been through a fair bit and you've now got a 281 00:14:53,600 --> 00:14:56,440 Speaker 2: relatively positive money mindset. I need to know what are 282 00:14:56,440 --> 00:14:58,560 Speaker 2: your big money goals? What are we working towards? 283 00:14:58,600 --> 00:15:02,160 Speaker 4: My friend, Well, my biggest money goal was my recent 284 00:15:02,200 --> 00:15:04,720 Speaker 4: Europe trip. Anyone that has been to Europe knows that 285 00:15:04,800 --> 00:15:09,280 Speaker 4: it's so expensive, but it was so worth it. 286 00:15:09,400 --> 00:15:11,480 Speaker 2: Where did you go? What did you do? Europe is 287 00:15:11,520 --> 00:15:12,920 Speaker 2: a very very large place. 288 00:15:13,600 --> 00:15:22,040 Speaker 4: Oh, it's my first Europe trip. So it was the Spain, London, France, Italy, 289 00:15:22,200 --> 00:15:26,520 Speaker 4: Amafi Coast, Greece. It was everywhere. I don't want to 290 00:15:26,520 --> 00:15:28,680 Speaker 4: see a plane for a little while. 291 00:15:28,760 --> 00:15:31,920 Speaker 2: Now, after all that fair and how much did you 292 00:15:32,000 --> 00:15:35,040 Speaker 2: Europe trip cost? You do you think, oh, we're not 293 00:15:35,080 --> 00:15:36,880 Speaker 2: talking about that. We're bearing our head in this. 294 00:15:38,880 --> 00:15:42,280 Speaker 4: I would think it'd probably'll be on that twenty five 295 00:15:42,360 --> 00:15:46,480 Speaker 4: thousand mark. But one of my greatest feats, and I 296 00:15:46,520 --> 00:15:48,600 Speaker 4: know this doesn't work for everybody, but my partner and 297 00:15:48,600 --> 00:15:51,960 Speaker 4: I would do share a credit card for daily expenses, 298 00:15:52,120 --> 00:15:57,520 Speaker 4: so our flights to Europe were more than half the price, 299 00:15:57,920 --> 00:16:01,440 Speaker 4: which were such a great money when for me. So yeah, 300 00:16:01,440 --> 00:16:03,400 Speaker 4: that's roughly what it would cost. So that was my 301 00:16:03,680 --> 00:16:06,440 Speaker 4: money goal. And I also just bought a new car, 302 00:16:06,920 --> 00:16:09,480 Speaker 4: which was super exciting. But now I think the next 303 00:16:09,480 --> 00:16:13,400 Speaker 4: morning goal is our engagement and we were going to 304 00:16:13,440 --> 00:16:15,440 Speaker 4: have a wedding, but that's not happening anymore. 305 00:16:16,000 --> 00:16:18,880 Speaker 2: Oh tell me about that. So what's the plan with 306 00:16:18,960 --> 00:16:21,480 Speaker 2: the engagement and wedding and what do you think that'll cost? 307 00:16:22,320 --> 00:16:26,200 Speaker 4: So the engagement, we're having a party with close friends. 308 00:16:26,400 --> 00:16:30,400 Speaker 4: We're budgeting for about seven thousand for that. And with 309 00:16:30,520 --> 00:16:34,520 Speaker 4: the wedding, I never wanted a wedding that my partner said, oh, 310 00:16:34,560 --> 00:16:36,160 Speaker 4: you know, it would be so nice to have all 311 00:16:36,200 --> 00:16:39,280 Speaker 4: of our friends there and have a big celebration. And 312 00:16:39,320 --> 00:16:40,760 Speaker 4: then I started to send him their. 313 00:16:40,720 --> 00:16:43,760 Speaker 2: Quotes, and you both were like you, Sarah now on 314 00:16:43,880 --> 00:16:44,680 Speaker 2: my page, aren't you? 315 00:16:45,400 --> 00:16:47,720 Speaker 4: And I said, look, we could have a great wedding, 316 00:16:47,760 --> 00:16:50,800 Speaker 4: which would be great, or we could go traveling for 317 00:16:51,040 --> 00:16:53,960 Speaker 4: six months in Asia. Up to you. So that's going 318 00:16:54,040 --> 00:16:54,720 Speaker 4: to be our goal. 319 00:16:55,120 --> 00:16:59,040 Speaker 2: Oh my gosh. So is it extended travel and we're 320 00:16:59,080 --> 00:17:01,880 Speaker 2: just not getting married, or is it extended travel and 321 00:17:02,040 --> 00:17:03,600 Speaker 2: a different route to marriage. 322 00:17:03,840 --> 00:17:06,199 Speaker 4: We're just going to go to the registry? 323 00:17:06,680 --> 00:17:07,440 Speaker 2: Yeah, cute. 324 00:17:08,320 --> 00:17:08,879 Speaker 4: Yeah. 325 00:17:08,920 --> 00:17:11,439 Speaker 2: I tried to float that idea at some point. I 326 00:17:11,520 --> 00:17:14,639 Speaker 2: just thought there was something so romantic about going to 327 00:17:14,680 --> 00:17:17,159 Speaker 2: the registry and just marrying the love of your life. 328 00:17:17,720 --> 00:17:19,800 Speaker 2: If you've seen social media, that is not the wedding 329 00:17:19,800 --> 00:17:21,640 Speaker 2: that I had. I had a very large wedding, yes, 330 00:17:21,960 --> 00:17:24,920 Speaker 2: and that was mainly driven by my husband going, no, 331 00:17:25,280 --> 00:17:26,760 Speaker 2: this is meant to be the biggest party of my 332 00:17:26,840 --> 00:17:29,760 Speaker 2: life and me going, if we're being honest, I don't 333 00:17:29,760 --> 00:17:32,480 Speaker 2: have that many friends. So ninety percent of the room 334 00:17:32,480 --> 00:17:35,560 Speaker 2: were his friends, and that's okay. I had the most 335 00:17:35,680 --> 00:17:38,920 Speaker 2: fun ever, like ever, and I don't regret it. But 336 00:17:38,960 --> 00:17:41,760 Speaker 2: also I just I am a little bit envious, even 337 00:17:41,880 --> 00:17:43,800 Speaker 2: like I wouldn't change it for the world, but like 338 00:17:43,880 --> 00:17:48,560 Speaker 2: this registry vibe just so romantic, so cute, like so sweet, 339 00:17:48,600 --> 00:17:50,560 Speaker 2: and the idea that you're going to have this big 340 00:17:50,720 --> 00:17:54,639 Speaker 2: holiday together like quality time is always going to trump 341 00:17:54,640 --> 00:17:55,520 Speaker 2: a fancy party. 342 00:17:55,760 --> 00:17:58,920 Speaker 4: Absolutely. I just really could not justify the cause and 343 00:17:59,200 --> 00:18:03,240 Speaker 4: giving the money mindset that I came from, like you know, 344 00:18:03,400 --> 00:18:04,720 Speaker 4: so scared of spending. 345 00:18:04,400 --> 00:18:05,679 Speaker 2: Money, just didn't make sense. 346 00:18:05,960 --> 00:18:08,000 Speaker 4: Yeah, it didn't make sense. And yes, I've come like 347 00:18:08,160 --> 00:18:11,760 Speaker 4: such a far away, but it's still one of the 348 00:18:11,760 --> 00:18:14,400 Speaker 4: core things that you know, I do reflect on. So yeah, 349 00:18:14,440 --> 00:18:17,080 Speaker 4: I just could not. So just a registry wedding and 350 00:18:17,080 --> 00:18:19,760 Speaker 4: then I dinner with like our closest friends and family, 351 00:18:19,880 --> 00:18:21,000 Speaker 4: and that's it. 352 00:18:21,280 --> 00:18:24,679 Speaker 2: I love it. I couldn't love it more. All Right, Money, Diarist, 353 00:18:24,840 --> 00:18:27,320 Speaker 2: I have so many questions for you. I want to 354 00:18:27,359 --> 00:18:30,520 Speaker 2: talk about investing and debt and good and bad money 355 00:18:30,560 --> 00:18:33,359 Speaker 2: habits and everything in between. But we'll get to that 356 00:18:33,440 --> 00:18:41,199 Speaker 2: straight after this break, So don't go anywhere. All right, 357 00:18:41,240 --> 00:18:45,080 Speaker 2: Money Diarist, we are back. I'm so excited about your journey. 358 00:18:45,080 --> 00:18:47,199 Speaker 2: I feel like there's so much to be you know, 359 00:18:47,359 --> 00:18:52,520 Speaker 2: pervy on Obviously your entire money mindset has changed, and 360 00:18:52,560 --> 00:18:55,000 Speaker 2: now I don't know, you look back on it. And 361 00:18:55,560 --> 00:18:58,360 Speaker 2: you look at where you've come from and this situation 362 00:18:58,440 --> 00:19:00,919 Speaker 2: of being. You know, said, I was well off as 363 00:19:00,920 --> 00:19:03,240 Speaker 2: a child and then you know, basically everything flipped and 364 00:19:03,320 --> 00:19:06,440 Speaker 2: changed and I was, you know, basically living in poverty 365 00:19:06,640 --> 00:19:09,639 Speaker 2: growing up, had to find my own way. Do you 366 00:19:09,640 --> 00:19:12,720 Speaker 2: think Mini, you would look forward and go, WOWE, she's 367 00:19:12,760 --> 00:19:15,560 Speaker 2: been on this big Europe trip. She's engaged to the 368 00:19:15,600 --> 00:19:18,480 Speaker 2: love of her life, like, you know, she's gonna have 369 00:19:18,520 --> 00:19:21,520 Speaker 2: this registry wedding and then go on another six months 370 00:19:21,560 --> 00:19:23,359 Speaker 2: in Asia. Would she believe that? 371 00:19:24,560 --> 00:19:27,840 Speaker 4: Absolutely? Not, no way. Even the fact that I was 372 00:19:27,880 --> 00:19:30,680 Speaker 4: able to buy my own car, you know, just being 373 00:19:30,720 --> 00:19:33,800 Speaker 4: able to do that, I just know, Mini, me would 374 00:19:33,840 --> 00:19:36,360 Speaker 4: never ever think that those dreams are possible. 375 00:19:36,560 --> 00:19:38,720 Speaker 2: I love that you're doing it, but I also just 376 00:19:38,760 --> 00:19:40,520 Speaker 2: love that I get to meet so many people in 377 00:19:40,520 --> 00:19:43,800 Speaker 2: our community who are the people that are Mini. People 378 00:19:43,880 --> 00:19:47,840 Speaker 2: needed like young you needed you, right, And I just 379 00:19:48,040 --> 00:19:50,240 Speaker 2: I look back and I go, that's so cool that 380 00:19:50,280 --> 00:19:53,440 Speaker 2: you've become that person. And you mentioned before like I 381 00:19:53,440 --> 00:19:55,080 Speaker 2: don't want my kids to go through that, and you 382 00:19:55,200 --> 00:19:57,600 Speaker 2: just know they're not, Like you just know with the 383 00:19:57,640 --> 00:20:00,719 Speaker 2: mindset that you have now, they're inside a good position 384 00:20:00,800 --> 00:20:03,600 Speaker 2: because You've done the work and you've made the change. 385 00:20:03,760 --> 00:20:06,000 Speaker 2: It makes me so proud even though I didn't do it. 386 00:20:06,040 --> 00:20:08,600 Speaker 2: I'm just like, I'm such a proud mum of everybody 387 00:20:08,640 --> 00:20:12,480 Speaker 2: that does this. But now, talk to me. Money mindset 388 00:20:12,560 --> 00:20:15,720 Speaker 2: is hard. You've obviously got more of a positive money mindset, 389 00:20:15,720 --> 00:20:18,200 Speaker 2: but one of the hardest things is investment. So to 390 00:20:18,200 --> 00:20:21,240 Speaker 2: tell me what are your thoughts on investment? Are you investing? 391 00:20:21,320 --> 00:20:24,000 Speaker 2: If not, why not? If so, what are you doing 392 00:20:24,200 --> 00:20:24,800 Speaker 2: when we're in. 393 00:20:24,800 --> 00:20:28,120 Speaker 4: How so, I don't have any investments currently. My partner 394 00:20:28,200 --> 00:20:32,440 Speaker 4: he's dabbled in investments. I want to It is such 395 00:20:32,480 --> 00:20:33,840 Speaker 4: a big thing. 396 00:20:34,400 --> 00:20:36,320 Speaker 2: It's a massive thing. That's why I'm saying, like I 397 00:20:36,400 --> 00:20:39,439 Speaker 2: actually expected you to be like, absolutely not yet, Victoria. 398 00:20:39,560 --> 00:20:43,439 Speaker 4: No, I would love the safe route. And my vision 399 00:20:43,520 --> 00:20:46,720 Speaker 4: is that you know, my partner's invested in a few 400 00:20:46,760 --> 00:20:49,880 Speaker 4: ETFs and that's really where I think I would go. 401 00:20:50,240 --> 00:20:55,600 Speaker 4: But I just want to really understand more before diving. 402 00:20:55,280 --> 00:20:59,040 Speaker 2: In, especially just something that is so it's a completely 403 00:20:59,080 --> 00:21:02,399 Speaker 2: different language, Like it just feels overwhelmed. I promise that 404 00:21:02,440 --> 00:21:04,240 Speaker 2: once you're in it, you'll be like, oh, this is 405 00:21:04,359 --> 00:21:06,840 Speaker 2: so much easier than I thought. But like that's the 406 00:21:06,840 --> 00:21:08,080 Speaker 2: way with everything. 407 00:21:07,760 --> 00:21:10,359 Speaker 4: Right, absolutely, but they don't teach you that sort of 408 00:21:10,400 --> 00:21:11,159 Speaker 4: stuff in school. 409 00:21:11,200 --> 00:21:13,240 Speaker 2: So now that's why I've got a job, my friend, 410 00:21:13,359 --> 00:21:16,359 Speaker 2: That's why I can actually do this for work. So 411 00:21:16,640 --> 00:21:18,560 Speaker 2: as much as I'm trying to get it into schools, 412 00:21:18,600 --> 00:21:21,679 Speaker 2: I'm lokey, like, ah, I might become redundant or I 413 00:21:21,680 --> 00:21:23,600 Speaker 2: hope I'll become redundant. 414 00:21:24,440 --> 00:21:27,840 Speaker 4: Oh gosh. But yeah, so investing is definitely on the cards. Well, 415 00:21:27,880 --> 00:21:31,800 Speaker 4: that's how my dad was so well off in my 416 00:21:31,880 --> 00:21:34,439 Speaker 4: younger years that he really like played the stock market 417 00:21:34,440 --> 00:21:37,560 Speaker 4: and did it very well. So that's always been in 418 00:21:37,600 --> 00:21:39,720 Speaker 4: the back of my mind. That's something that I want 419 00:21:39,760 --> 00:21:42,640 Speaker 4: to do. But yeah, getting there is the journey. 420 00:21:42,760 --> 00:21:45,160 Speaker 2: Yes, absolutely, and we're on it and I love it. 421 00:21:45,640 --> 00:21:48,440 Speaker 2: Tell me about debt. Do you have any debt? How 422 00:21:48,480 --> 00:21:50,879 Speaker 2: do you feel about debt? What does that look like? 423 00:21:51,600 --> 00:21:56,080 Speaker 4: I have a hex deebt. But I only started studying 424 00:21:56,680 --> 00:21:59,320 Speaker 4: when I already worked full time, so it's at three 425 00:21:59,359 --> 00:22:04,280 Speaker 4: thousand easy. But every year, because I am still currently studying, 426 00:22:04,640 --> 00:22:07,800 Speaker 4: it just pays down really because I've always earned over 427 00:22:07,840 --> 00:22:11,879 Speaker 4: that threshold while i've been studying. So there's that. And 428 00:22:12,560 --> 00:22:14,560 Speaker 4: like I said, I do have a credit card that 429 00:22:14,600 --> 00:22:16,840 Speaker 4: my partner and I share, but we use it for 430 00:22:17,520 --> 00:22:23,119 Speaker 4: daily expenses and groceries bills, and so once that accumulates 431 00:22:23,160 --> 00:22:25,199 Speaker 4: to the month, then we clear it every month, so 432 00:22:25,800 --> 00:22:28,640 Speaker 4: it's not really a debt. When that figure that we 433 00:22:28,800 --> 00:22:31,400 Speaker 4: like to set on that does blow over, I get 434 00:22:31,480 --> 00:22:35,440 Speaker 4: back into my scarcity mindset. But you know, sometimes things happen. 435 00:22:35,680 --> 00:22:37,359 Speaker 2: Yeah, absolutely, what. 436 00:22:37,240 --> 00:22:40,160 Speaker 4: Can you do? So I'm still learning that balance. 437 00:22:40,680 --> 00:22:43,680 Speaker 2: Yeah, and finding that balance is really hard but also 438 00:22:43,760 --> 00:22:48,080 Speaker 2: really important. Obviously, you've got that credit card with your fiance. 439 00:22:49,359 --> 00:22:52,840 Speaker 2: Tell me who suggested getting that credit card? I have 440 00:22:52,880 --> 00:22:55,280 Speaker 2: a sneaky suspicion that might not have been you, And 441 00:22:55,359 --> 00:22:58,800 Speaker 2: how did you feel about that? Because if you've gone 442 00:22:58,880 --> 00:23:01,200 Speaker 2: through what you've gone through, often we are really averse 443 00:23:01,280 --> 00:23:03,919 Speaker 2: to taking on any type of debt or avoiding that 444 00:23:04,040 --> 00:23:06,200 Speaker 2: like the plague, because it can feel like a really 445 00:23:06,200 --> 00:23:07,159 Speaker 2: really heavy burden. 446 00:23:07,400 --> 00:23:09,239 Speaker 4: Funny enough, it was me, it was you. 447 00:23:10,400 --> 00:23:12,520 Speaker 2: Who is she? She's a changed woman. 448 00:23:13,000 --> 00:23:17,040 Speaker 4: When we moved in together, we already agreed that, you know, 449 00:23:17,080 --> 00:23:20,720 Speaker 4: we would be sharing everything fifty to fifty and we 450 00:23:20,720 --> 00:23:23,840 Speaker 4: were just going to open a shared bank account where 451 00:23:23,840 --> 00:23:27,840 Speaker 4: we would do that. We travel pretty frequently, and I 452 00:23:27,880 --> 00:23:30,879 Speaker 4: did some looking into you know, those points, tacks and 453 00:23:30,920 --> 00:23:33,560 Speaker 4: all those sorts of things, and I thought, why don't 454 00:23:33,600 --> 00:23:36,199 Speaker 4: we get a credit card with the view to just 455 00:23:36,280 --> 00:23:40,239 Speaker 4: use it for daily expenses and it works for us 456 00:23:40,280 --> 00:23:43,439 Speaker 4: in another way without us having to do anything really, 457 00:23:43,880 --> 00:23:46,600 Speaker 4: So yes, that was my decision, and I understand not 458 00:23:46,640 --> 00:23:47,680 Speaker 4: everyone can do that. 459 00:23:47,760 --> 00:23:51,240 Speaker 2: I'm pretty irresponsible personally, which is why I can't be 460 00:23:51,320 --> 00:23:53,840 Speaker 2: in that, but I have got it through my business, 461 00:23:54,000 --> 00:23:56,960 Speaker 2: and I'm so clean in my business that when we 462 00:23:57,080 --> 00:23:59,639 Speaker 2: rack up Virgin points, I'm always like, look at us 463 00:24:00,119 --> 00:24:03,360 Speaker 2: grading to business guy. I feel such a sense of achievement. 464 00:24:03,400 --> 00:24:05,439 Speaker 2: I'm always like, this is on me, even though I 465 00:24:05,480 --> 00:24:08,120 Speaker 2: did literally nothing for it except for use the cart. 466 00:24:08,840 --> 00:24:12,240 Speaker 4: Yeah. So if the points situation was not there, then 467 00:24:12,320 --> 00:24:15,280 Speaker 4: I wouldn't be really looking at that credit card. But yeah, 468 00:24:15,280 --> 00:24:17,679 Speaker 4: those points have got us free flights to New Zealand, 469 00:24:17,960 --> 00:24:19,200 Speaker 4: half parts to Europe. 470 00:24:19,400 --> 00:24:22,600 Speaker 2: I love it. Tell me, now, what is your best 471 00:24:22,680 --> 00:24:26,680 Speaker 2: money habit, because obviously, going through all of this trauma 472 00:24:26,760 --> 00:24:29,040 Speaker 2: and all you actually do end up with some pretty 473 00:24:29,080 --> 00:24:31,640 Speaker 2: good money habits that serve you well. Right, Like they're 474 00:24:31,680 --> 00:24:34,000 Speaker 2: not coming from the best of places, but they are 475 00:24:34,440 --> 00:24:36,480 Speaker 2: on paper, very good money habits, So what are your 476 00:24:36,520 --> 00:24:37,640 Speaker 2: best money habits? 477 00:24:38,400 --> 00:24:43,280 Speaker 4: No shock here, but I am definitely not an impulse spender. 478 00:24:44,040 --> 00:24:47,879 Speaker 4: When I am looking to buy something or yeah, a 479 00:24:47,920 --> 00:24:51,480 Speaker 4: purchase of some sort, I'm really weighing up the practical 480 00:24:51,520 --> 00:24:53,960 Speaker 4: side of things, whether you know, is this something that 481 00:24:54,000 --> 00:24:56,160 Speaker 4: I actually want? Is this something that I actually need? 482 00:24:56,560 --> 00:24:59,280 Speaker 4: So never ever have been an impulse shopper. 483 00:24:59,520 --> 00:25:03,159 Speaker 2: I love And let's flip it. What's your worst money? 484 00:25:03,160 --> 00:25:04,760 Speaker 2: Have it? 485 00:25:04,880 --> 00:25:07,800 Speaker 4: Funny enough, my best money have it sometimes becomes my 486 00:25:07,920 --> 00:25:12,320 Speaker 4: worst money. Every six months, I consolidate my bills to 487 00:25:12,359 --> 00:25:15,240 Speaker 4: just make sure that you know, my weekly spendings and 488 00:25:15,280 --> 00:25:18,399 Speaker 4: whatnot all on track. And now I make my yance 489 00:25:18,440 --> 00:25:23,520 Speaker 4: and do that too. But when I am feeling stressed 490 00:25:23,640 --> 00:25:25,639 Speaker 4: or you know, things are getting too much, that's, in 491 00:25:25,680 --> 00:25:29,840 Speaker 4: a way sometimes my coping mechanism, and then I will 492 00:25:29,880 --> 00:25:32,520 Speaker 4: do it before it's my set time to do it, 493 00:25:32,880 --> 00:25:36,240 Speaker 4: and then I kind of ruminate on do I have 494 00:25:36,359 --> 00:25:38,760 Speaker 4: enough money for this? And I do? But you know it, 495 00:25:38,960 --> 00:25:44,560 Speaker 4: just as trauma goes, it's never gone. And when things get. 496 00:25:44,359 --> 00:25:46,159 Speaker 2: A bit wobbly in life, you're revert. 497 00:25:46,720 --> 00:25:50,360 Speaker 4: Yeah, those things come up again, So that then becomes 498 00:25:50,400 --> 00:25:51,240 Speaker 4: my worst money. 499 00:25:51,280 --> 00:25:51,480 Speaker 1: Have it? 500 00:25:51,560 --> 00:25:54,040 Speaker 4: Because I ruminate it on it too much and then 501 00:25:54,119 --> 00:25:56,040 Speaker 4: it doesn't make me feel good until I have to 502 00:25:56,400 --> 00:25:57,600 Speaker 4: take that step back and go. 503 00:25:57,640 --> 00:25:59,600 Speaker 2: Okay, actually I have got this. 504 00:26:00,040 --> 00:26:00,960 Speaker 4: I'm doing really well. 505 00:26:01,000 --> 00:26:05,760 Speaker 5: Actually, yeah, have you got a bigger budgeting cash flow 506 00:26:05,840 --> 00:26:07,960 Speaker 5: plan or is this something that you just kind of 507 00:26:08,000 --> 00:26:10,560 Speaker 5: go all right, oh, budget month to month or like 508 00:26:10,880 --> 00:26:12,080 Speaker 5: are we doing this annually? 509 00:26:12,160 --> 00:26:14,879 Speaker 2: Like what does taking control of your finances look like? 510 00:26:15,480 --> 00:26:18,800 Speaker 4: So right now, I guess we'll be looking at saving 511 00:26:18,800 --> 00:26:22,240 Speaker 4: that pool of money for our extended travel. So we 512 00:26:22,320 --> 00:26:24,480 Speaker 4: have sort of rough numbers on what we want to 513 00:26:24,480 --> 00:26:26,400 Speaker 4: say for that. So I think it changes every time 514 00:26:26,480 --> 00:26:26,920 Speaker 4: we have a. 515 00:26:26,880 --> 00:26:28,520 Speaker 2: New goal, as it should. 516 00:26:28,640 --> 00:26:30,840 Speaker 4: Yeah, buying a house at Sydney's way out of my debt. 517 00:26:30,920 --> 00:26:32,760 Speaker 2: May your odds ever be in your favor. 518 00:26:33,680 --> 00:26:36,200 Speaker 4: So that's why I do it every six months because 519 00:26:36,280 --> 00:26:39,159 Speaker 4: sometimes things change, things fall off, things get added, So 520 00:26:39,760 --> 00:26:45,600 Speaker 4: I track that in comparison to whatever that current goal 521 00:26:45,720 --> 00:26:47,160 Speaker 4: is to make sure we're on track. 522 00:26:47,680 --> 00:26:51,679 Speaker 2: Love, All right, last question I've got for you. I 523 00:26:51,720 --> 00:26:53,720 Speaker 2: want to know, like, I just feel like you've been 524 00:26:53,720 --> 00:26:55,919 Speaker 2: through so much, but you're such a glowy, happy human, 525 00:26:56,160 --> 00:26:59,919 Speaker 2: Like I never read the stories that are written in 526 00:27:00,119 --> 00:27:03,480 Speaker 2: to me before we jump into the show, because I 527 00:27:03,560 --> 00:27:06,159 Speaker 2: really like to be as pervy as possible, and I 528 00:27:06,160 --> 00:27:11,119 Speaker 2: guess as organic as possible. Right watching you when we 529 00:27:11,200 --> 00:27:12,720 Speaker 2: jumped on, I was like, Oh, this is going to 530 00:27:12,760 --> 00:27:15,399 Speaker 2: be such a positive money story. She's so happy and glowy, 531 00:27:15,600 --> 00:27:18,520 Speaker 2: and obviously we dove into it and I was like, Oh, 532 00:27:18,560 --> 00:27:21,439 Speaker 2: she's been through so much. And then obviously we started 533 00:27:21,440 --> 00:27:24,200 Speaker 2: talking about your fiance and you like litter up again 534 00:27:24,320 --> 00:27:26,720 Speaker 2: and you're just in this place that I go far 535 00:27:26,880 --> 00:27:31,840 Speaker 2: out Mini, you needed you, and you're doing literally everything right. 536 00:27:32,520 --> 00:27:34,680 Speaker 2: Tell me, now, what does the future look like? 537 00:27:34,680 --> 00:27:34,800 Speaker 4: Like? 538 00:27:34,840 --> 00:27:37,480 Speaker 2: What does life look like moving forward? Obviously there's a 539 00:27:37,520 --> 00:27:40,760 Speaker 2: few really exciting things on the horizon. You've just gotten engaged, 540 00:27:40,760 --> 00:27:43,159 Speaker 2: you're having an engagement party, you're going on a big trip. 541 00:27:43,200 --> 00:27:45,840 Speaker 2: But what after that? What do you think life looks 542 00:27:45,920 --> 00:27:47,720 Speaker 2: like in the next ten twenty years. 543 00:27:48,080 --> 00:27:51,919 Speaker 4: I couldn't paint a very detailed picture. And my partner, 544 00:27:51,920 --> 00:27:55,680 Speaker 4: he comes from a similar socio economic background, and you know, 545 00:27:55,720 --> 00:27:58,800 Speaker 4: in terms of those struggles, and we're just completely on 546 00:27:58,840 --> 00:28:03,080 Speaker 4: the same page. You know, we don't want our children 547 00:28:03,960 --> 00:28:06,159 Speaker 4: to suffer, I guess the way that we did, and 548 00:28:06,200 --> 00:28:10,119 Speaker 4: we want them to feel that you don't worry, like 549 00:28:10,560 --> 00:28:13,440 Speaker 4: the groceries won't have to be cut down this week 550 00:28:13,520 --> 00:28:16,480 Speaker 4: because you know the electricity bills coming or things like that. 551 00:28:16,720 --> 00:28:19,879 Speaker 4: So we're both on that same page that we just 552 00:28:19,880 --> 00:28:21,880 Speaker 4: want to create a home that meets. 553 00:28:21,600 --> 00:28:23,520 Speaker 2: All of those basic needs. 554 00:28:23,720 --> 00:28:27,360 Speaker 4: Yeah, that those basic needs out, they're absolutely you deserve. 555 00:28:27,640 --> 00:28:31,080 Speaker 2: So how does it feel knowing that you can do that? Though? Like, 556 00:28:31,080 --> 00:28:33,600 Speaker 2: because we both know you can do that. The position 557 00:28:33,680 --> 00:28:36,760 Speaker 2: you're in now is not the position you grew up in. 558 00:28:37,320 --> 00:28:39,640 Speaker 2: Is that something where I'm just so excited for it 559 00:28:39,720 --> 00:28:43,200 Speaker 2: or overwhelmed or you, I don't know, proud, Like what 560 00:28:43,240 --> 00:28:44,360 Speaker 2: does that look like for you? 561 00:28:44,600 --> 00:28:47,400 Speaker 4: I am really proud, And I think anyone who's been 562 00:28:47,400 --> 00:28:50,000 Speaker 4: through those kinds of hardships things, if only I had 563 00:28:50,040 --> 00:28:52,760 Speaker 4: someone that you could put me on the right track 564 00:28:52,840 --> 00:28:55,200 Speaker 4: or that I could lean on, But then I wouldn't 565 00:28:55,280 --> 00:28:58,880 Speaker 4: have this mindset. I might take things more for granted. 566 00:28:59,040 --> 00:29:02,040 Speaker 4: So you know, so I'm appreciative really of those things 567 00:29:02,080 --> 00:29:04,520 Speaker 4: that I've gone through. And yeah, I guess I am 568 00:29:04,760 --> 00:29:07,200 Speaker 4: super proud that I can look back on it and 569 00:29:07,240 --> 00:29:10,760 Speaker 4: see it as they are hardships, but you know, it's 570 00:29:11,720 --> 00:29:13,400 Speaker 4: given me the growth, it's part. 571 00:29:13,200 --> 00:29:16,560 Speaker 2: Of your journey. Yeah, so now tell me last question, 572 00:29:17,440 --> 00:29:20,000 Speaker 2: because I don't have much time left with you. At 573 00:29:20,000 --> 00:29:21,840 Speaker 2: the start of this episode, you said, I think I'm 574 00:29:21,880 --> 00:29:24,680 Speaker 2: a baby. What would it take to get to an 575 00:29:24,720 --> 00:29:25,680 Speaker 2: A plus? 576 00:29:25,960 --> 00:29:30,040 Speaker 4: Hmmm, gosh, that is a sticky one. My big thing 577 00:29:30,120 --> 00:29:32,920 Speaker 4: is to understand that investing side of things more. I 578 00:29:32,960 --> 00:29:36,000 Speaker 4: think if I had that grasp, i'd definitely be on 579 00:29:36,040 --> 00:29:39,080 Speaker 4: maybe the A minus side of things. 580 00:29:38,800 --> 00:29:40,480 Speaker 2: And that's a good position to be in. 581 00:29:41,080 --> 00:29:43,200 Speaker 4: Yeah, that's what I think it would be for me. 582 00:29:43,560 --> 00:29:45,640 Speaker 2: I love it. Oh my gosh, I have adored this chat. 583 00:29:45,640 --> 00:29:48,400 Speaker 2: I'm just so proud of you, Like I want to 584 00:29:48,480 --> 00:29:50,800 Speaker 2: jump through the screen and hug you and be like, ah, 585 00:29:50,880 --> 00:29:54,200 Speaker 2: you've done it. Like this is just so exciting to 586 00:29:54,240 --> 00:29:57,600 Speaker 2: meet people from our community who have changed their money stories. 587 00:29:57,880 --> 00:30:00,320 Speaker 2: As you know, I'm wildly passionate about them because because 588 00:30:00,680 --> 00:30:04,280 Speaker 2: we can't change our money story history, but we can 589 00:30:04,400 --> 00:30:06,400 Speaker 2: kind of reinvent what the future looks like. And I 590 00:30:06,440 --> 00:30:08,280 Speaker 2: think so many of us forget that we have that 591 00:30:08,440 --> 00:30:11,160 Speaker 2: power and we have that control no matter where we've 592 00:30:11,200 --> 00:30:14,360 Speaker 2: come from or what we're planning on doing, we actually 593 00:30:14,400 --> 00:30:17,840 Speaker 2: can do these things. And your story is clear proof 594 00:30:17,960 --> 00:30:20,440 Speaker 2: that that is possible, and I wish you could see 595 00:30:20,440 --> 00:30:22,600 Speaker 2: her face. She's just such a happy, glowy human being, 596 00:30:23,040 --> 00:30:25,920 Speaker 2: and I want that for everybody in our community, right So, 597 00:30:26,360 --> 00:30:28,960 Speaker 2: Money direst it has been a pleasure sharing this time 598 00:30:29,000 --> 00:30:30,720 Speaker 2: with you and getting to know you and getting to 599 00:30:30,760 --> 00:30:33,640 Speaker 2: know a little bit about your journey. I really really 600 00:30:33,640 --> 00:30:36,200 Speaker 2: appreciated it, and I know our community has as well. 601 00:30:36,760 --> 00:30:37,640 Speaker 4: Thank you so much. 602 00:30:44,280 --> 00:30:46,840 Speaker 3: The advice shared on She's on the Money is general 603 00:30:46,880 --> 00:30:50,120 Speaker 3: in nature and does not consider your individual circumstances. 604 00:30:50,480 --> 00:30:52,560 Speaker 2: She's on the Money exists purely for. 605 00:30:52,640 --> 00:30:55,520 Speaker 3: Educational purposes and should not be relied upon to make 606 00:30:55,560 --> 00:30:58,800 Speaker 3: an investment or financial decision. If you do choose to 607 00:30:58,840 --> 00:31:02,120 Speaker 3: buy a financial product, read the PDS TMD and obtain 608 00:31:02,160 --> 00:31:03,960 Speaker 3: appropriate financial advice. 609 00:31:03,680 --> 00:31:05,040 Speaker 2: Tailored towards your needs. 610 00:31:05,360 --> 00:31:09,320 Speaker 3: Victoria Divine and She's on the Money are authorized representatives 611 00:31:09,360 --> 00:31:11,720 Speaker 3: of Money sherper P T y L t D A 612 00:31:11,840 --> 00:31:14,760 Speaker 3: b N three two one six four nine two seven 613 00:31:14,840 --> 00:31:18,360 Speaker 3: seven zero eight AFS L four five one two eight 614 00:31:18,480 --> 00:31:23,720 Speaker 3: nine