Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.
Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and
Speaker 1: the storytelling of you to make a difference for today
Speaker 1: and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's the Money the Podcast and
Speaker 2: millennials who want financial freedom. Welcome back to another one
Speaker 2: of our money Dary episodes where I get the absolute
Speaker 2: pleasure of sitting down with one of our community members
Speaker 2: to learn all about their journey. Before we jump straight
Speaker 2: into it, I do want to give you guys a
Speaker 2: little bit of a content warning. We are going to
Speaker 2: discuss the topic of sexual and psychological abuse, So if
Speaker 2: that's something that you're not interested in consuming this week,
Speaker 2: I totally get it. We have literally hundreds of other
Speaker 2: episodes that you can dive straight into. But if you're
Speaker 2: sticking around, let's jump into the message that I got
Speaker 2: this week. It sounded exactly like this, Hi V. My
Speaker 2: trauma healing journey helped my money mindset. I went from
Speaker 2: being in a well off situation as a child, and
Speaker 2: when my parents divorced, things changed and I had to
Speaker 2: pay my own way through school. I used to live
Speaker 2: in fear of spending any money at all, but now
Speaker 2: I am informed and empowered. Healing through issues like sexual
Speaker 2: and psychological abuse with a professional had a positive ripple
Speaker 2: effect on my mind mindset. I've been able to reach
Speaker 2: goals I never thought were possible, like buying a new car,
Speaker 2: going on a dream Europe trip, which led to me
Speaker 2: getting engaged, and now my focus is on budgeting from
Speaker 2: my engagement and wedding while working full time in foster
Speaker 2: care and studying UNI online. I've been a loyal She's
Speaker 2: on the Money subscriber since the very first podcast Money Diarist.
Speaker 2: I'm so excited to meet you.
Speaker 4: Oh gosh, that feels so weird hearing it back.
Speaker 2: Isn't it crazy when you hear your own story back
Speaker 2: and you're like, Wow, that's a pretty impressive. Hey, absolutely,
Speaker 2: How does it make you feel? Does it make you
Speaker 2: feel proud? Does it make you feel overwhelmed?
Speaker 1: Like?
Speaker 2: What's that feeling?
Speaker 4: Like?
Speaker 1: Oh?
Speaker 2: Hello baby? Who's that? Who's that?
Speaker 4: That's my cat, Lucy. She loves the computer.
Speaker 2: So oh hello Lucy. Good name for a pet, though,
Speaker 2: I would definitely use that one.
Speaker 4: I feel really proud listening to that almost like makes
Speaker 4: my tears well up when I think, Yeah, it's just
Speaker 4: been such a long journey getting from where I was
Speaker 4: to where I am now.
Speaker 2: And now you're just getting back from a European holiday,
Speaker 2: engaged to you're planning a wedding. Is that not the coolest,
Speaker 2: most surreal thing ever?
Speaker 4: It was the most fairy tale holiday. It just really
Speaker 4: could not have been more perfect.
Speaker 2: So now I adore it. You deserve it so much.
Speaker 2: All right, let's start this episode the same way I
Speaker 2: always do. Money Diarist. If I asked you to give
Speaker 2: yourself a money grade from A three to F, what
Speaker 2: would your grade be?
Speaker 4: I think I would give myself a B. When I
Speaker 4: look at how I used to see money, I just
Speaker 4: was so scared to buy food, spend any money at all.
Speaker 4: I would literally go to the shops and if I
Speaker 4: was hungry, I would like just not buy food for
Speaker 4: the sake of not even spending money. So now I
Speaker 4: have such a balance approach, so I would say, a bee,
Speaker 4: I've come so far, but there's always more.
Speaker 2: Let's learn more about that. I'm really excited to dive
Speaker 2: into this one money direst my favorite question of all time.
Speaker 2: Can you tell me a little bit more about your
Speaker 2: money story?
Speaker 4: So I think I have had two completely opposite experiences
Speaker 4: in terms of my money story. So when I was
Speaker 4: really young, my parents store together. My dad retired really early,
Speaker 4: was really well off, no issues, no mortgage, nothing, Everything
Speaker 4: was a breeze. And then my parents split and I
Speaker 4: went to go live with my mum, which was the
Speaker 4: complete opposite side. We would be really struggling to get
Speaker 4: groceries and meet bills, and I had to actually pay
Speaker 4: my way through my high school years as well. So
Speaker 4: I did go to a public school, so it's nothing crazy,
Speaker 4: but for a sixteen year old, those fees and those excursions,
Speaker 4: it's a huge amount of money, and.
Speaker 2: It's a lot of pressure as well. It's not just
Speaker 2: the money, it's the mental load when you should be
Speaker 2: learning and playing with friends and not necessarily worrying too
Speaker 2: much about the financial aspect of life. Type of work
Speaker 2: were you doing.
Speaker 4: I was doing just the usual retail I think I
Speaker 4: have three jobs circling at one time when I'm in
Speaker 4: high school. It's not ideal, but I just knew.
Speaker 2: I had to pay your way.
Speaker 4: Yeah, I really had no choice. So yeah, that's where
Speaker 4: that just grew such a scared mindset for me to be.
Speaker 4: You know, when I become an adult, I don't want
Speaker 4: to be living that life because it's terrible, really and unfortunately.
Speaker 4: I had a few issues as a young child, things
Speaker 4: like sexual abuse and psychological abuse, which I think just
Speaker 4: in turn is still that scared scarcity mindset. And I
Speaker 4: never told my parents about that because I just know,
Speaker 4: knowing them and their work that I do as well,
Speaker 4: like I work heavily and trauma informed here, so I
Speaker 4: just know the support really wouldn't be there. So I
Speaker 4: was able to get some support through professional help on
Speaker 4: those issues, which I think really fed into me being
Speaker 4: able to take control of my money mindset as well,
Speaker 4: because it was just scared about everything.
Speaker 2: Really for good reason, because you've been through a lot,
Speaker 2: it makes sense, like to go through the trauma that
Speaker 2: you've been through, and then add on financial issues, like
Speaker 2: all of those things just weigh so heavily on shoulders
Speaker 2: that aren't ready to carry the weight of the world.
Speaker 2: I'm so sorry that your family isn't the support that
Speaker 2: you know you need in that moment. And I think
Speaker 2: a lot of people can probably resonate with that, because
Speaker 2: you either don't want to have the conversation or know
Speaker 2: that the conversation won't go the way that you need
Speaker 2: it to. How did you know to reach out for
Speaker 2: professional support, because it sounds like growing up, You know,
Speaker 2: once you hit those teenage years, you just didn't have
Speaker 2: the support you needed. How did you know where to
Speaker 2: find that and what you were looking for, because there
Speaker 2: are so many teenagers that would have no idea that
Speaker 2: these resources exist, let alone that they need them themselves.
Speaker 4: It's only in the last couple of years that I've
Speaker 4: really sought that advice because my lovely fiance Now.
Speaker 2: Look at your little face when you talk about them.
Speaker 2: Sometimes I really wish that money diaries were visual. Obviously
Speaker 2: this is anonymous, but I can tell you right now
Speaker 2: she just like had that cheeky smile when she mentioned
Speaker 2: my fiance. I love that so much.
Speaker 4: I could see that those issues that I'd never dealt
Speaker 4: with and I never got any support when I was young,
Speaker 4: and I never told anyone until I met him. Yeah,
Speaker 4: I could just see it was really affecting my relationship,
Speaker 4: and I just thought, this is something that I really
Speaker 4: want to see out so and working in the industry
Speaker 4: that I work in, I knew, I guess, you know,
Speaker 4: the resources that were out there. I was about twenty
Speaker 4: five at this point when I decided to reach out
Speaker 4: to someone, So yeah, I just did that, I guess
Speaker 4: to benefit how I would be as an adult and
Speaker 4: repair those hardships.
Speaker 2: Oh my gosh. So let's jump backwards a little bit.
Speaker 2: You finish high school and what do you do where
Speaker 2: if we landed, what does I guess between the end
Speaker 2: of high school and twenty five look like.
Speaker 4: It was a roller coaster. I definitely have had many
Speaker 4: ups and downs during that time, and I think it
Speaker 4: was just as people that go through such traumatic experiences
Speaker 4: like that, I think the trials and tribulations really play
Speaker 4: out when they come to that adulthood and they're finding
Speaker 4: themselves so jumping from job to job and doing a
Speaker 4: lot of things that probably didn't serve me in terms
Speaker 4: of partying and you know, going off the rails. So
Speaker 4: then when I came to yeah that twenty five ages things,
Speaker 4: we started to slow down and I really started to
Speaker 4: work on myself.
Speaker 2: I love that. And so now let's jump forward to
Speaker 2: your money story. When you wrote in you said that
Speaker 2: your trauma healing journey had helped your money mindset. Tell
Speaker 2: me how those two things linked together.
Speaker 4: With that trauma that I had experienced. You know, it
Speaker 4: was so scary when I was young, and it was
Speaker 4: you know, for a really long time that it did occur.
Speaker 4: And yeah, I guess I was just scared of the world,
Speaker 4: really scared to do anything, and it just led into
Speaker 4: all aspects of my life where it was socializing, spending money.
Speaker 4: And when I started to see someone and really unpack
Speaker 4: why I was so scared to do things, it just
Speaker 4: kind of cracked open all those little parts of my
Speaker 4: life where I just didn't think that they were related.
Speaker 4: I just thought that they were all part of my
Speaker 4: roller coaster. But as I really started to get into it,
Speaker 4: I just could bring it back to you know, I
Speaker 4: was just scared to grow and scared to trust, and
Speaker 4: those sorts of things. So as I worked through those
Speaker 4: issues and then help from She's on the money, I
Speaker 4: found she's on money so early, and I just was
Speaker 4: so scared having to pay my own way through school.
Speaker 4: It's just something that's so instilled. When I thought about
Speaker 4: my future, I thought, oh gosh, I don't or my
Speaker 4: children to be doing that. I just think it's made
Speaker 4: me feel really empowered to crack those things open and
Speaker 4: understand why I just built up that scarcity.
Speaker 2: Yeah, it's heartbreaking when you hear this, but then also
Speaker 2: I'm just I know you're in such a different position now,
Speaker 2: and sometimes we have to go through these things to
Speaker 2: really value where we're at now. No one should have
Speaker 2: to go through them, but I think it does give
Speaker 2: you a really beautiful perspective on the world where you go, wow,
Speaker 2: like I went through that. I'm so proud of myself.
Speaker 2: But it makes a lot of sense to me where
Speaker 2: you're working now, because I feel, like, you know, I've
Speaker 2: had this conversation a million times. I did psychology. I
Speaker 2: thought I wanted to work in psychology. Obviously stumbled accidentally
Speaker 2: into finance, which arguably I still think is psychology. But
Speaker 2: I look at it and I go it takes such
Speaker 2: a special person to work in the area that you
Speaker 2: work in, because the most valuable people, unfortunately at the
Speaker 2: sime time as fortunately, are the ones that have actually
Speaker 2: experienced it. Because when you're going through that and you're
Speaker 2: helping other people, especially in that foster system, especially, you
Speaker 2: know when they've experienced trauma, it's a way of connecting
Speaker 2: in a way that you can't if you've never experienced it.
Speaker 2: And I just think that is such a special position
Speaker 2: for you to be in because obviously you could just
Speaker 2: bury your head in the sand and go get a
Speaker 2: job in finance and never talk about those things again.
Speaker 2: And it takes such vulnerability to step out and be like, well,
Speaker 2: I'm going to help people with this every day, which
Speaker 2: actually means I've got to confront my own demons and
Speaker 2: I've actually got to go through my own trauma cycle,
Speaker 2: and I've actually got to get through these things otherwise
Speaker 2: I'm not going to be helpful at all. So that
Speaker 2: leads into the question of what is your official job title?
Speaker 2: And my friend, how much money do you earn?
Speaker 4: So my official job title is a care and support officer,
Speaker 4: and essentially what I do is I offer support and
Speaker 4: advocacy for foster cares, which would be people that are
Speaker 4: looking after children in the foster care system. I earn
Speaker 4: about one hundred and seven thousand inclusive of super which
Speaker 4: is paid at eleven percent. And being in the industry
Speaker 4: that I work and you are entitled to a salary.
Speaker 2: Sacrifice, now it's a money win.
Speaker 4: Fifteen nine hundred dollars of my pre tax pay is
Speaker 4: paid across the weeks directly into my bank account as
Speaker 4: a sacrifice, I guess for being in that industry. And
Speaker 4: you can use on things like rent car.
Speaker 2: And do you have to stipulate what you're using your
Speaker 2: salary sacrifice on or do they just give you a
Speaker 2: set amount and you allocate your own budget towards that.
Speaker 4: There's lots of different things you can do. You can
Speaker 4: get no vated leases or food and grocery cards that
Speaker 4: that money gets. There's different options. It really depends on
Speaker 4: what works for you. So I use it for rent
Speaker 4: each to their own.
Speaker 2: Yeah, fair, I love that. That is like really really cool.
Speaker 2: What do you find I guess the most challenging thing
Speaker 2: about working with foster cares.
Speaker 4: I've done many roles in this industry. I used to
Speaker 4: work a lot with youth homelessness face to face, So
Speaker 4: with foster cares, I think it's really hard because you're
Speaker 4: not in the home with them to see on the ground,
Speaker 4: and there's only so much you can offer, and it
Speaker 4: really is about educating them and instilling information or strategies
Speaker 4: as much as I can from my little office, so
Speaker 4: you're not there to give them that really intense face
Speaker 4: to face support. But I think that's really hard sometimes,
Speaker 4: especially with the message, can be getting lost and foster cares,
Speaker 4: of course, it's not just a job for them, it
Speaker 4: is their life, which I completely understand, and sometimes things
Speaker 4: get lost in translation. There's lots of emotions there, so
Speaker 4: sometimes it does feel like you can only provide so
Speaker 4: much support from the roles I've experienced.
Speaker 2: Yeah. Wow, And what's the best thing about it, because
Speaker 2: it's such a beautiful space to be in at the
Speaker 2: same time as it being really challenging.
Speaker 4: The best thing when children are in the out of
Speaker 4: home care system, there are ways to permanency. I'd be
Speaker 4: adoption or guardianship when the child is no longer in
Speaker 4: the system. Seeing those journeys and they are very low
Speaker 4: but hard work and commitment from their case work team
Speaker 4: and other supports. Just seeing that bond between them, these
Speaker 4: children have been through so much, just seeing that bond
Speaker 4: grow and grow and grow. It's an ever long journey,
Speaker 4: but I think that is the most rewarding part.
Speaker 2: That would be so beautiful to see. Like, ah, it
Speaker 2: would be so rewarding being like you finally have permanency.
Speaker 2: And obviously the kids sometimes don't understand what that means
Speaker 2: for their future, but like, especially being in the position
Speaker 2: that you're in, you go, that would have meant so much,
Speaker 2: Like it's just so beautiful. Tell me now, obviously you've
Speaker 2: been through a fair bit and you've now got a
Speaker 2: relatively positive money mindset. I need to know what are
Speaker 2: your big money goals? What are we working towards?
Speaker 4: My friend, Well, my biggest money goal was my recent
Speaker 4: Europe trip. Anyone that has been to Europe knows that
Speaker 4: it's so expensive, but it was so worth it.
Speaker 2: Where did you go? What did you do? Europe is
Speaker 2: a very very large place.
Speaker 4: Oh, it's my first Europe trip. So it was the Spain, London, France, Italy,
Speaker 4: Amafi coast, Greece. It was everywhere. I don't want to
Speaker 4: see a plane for a little while now.
Speaker 2: After all that fair? And how much did you europe
Speaker 2: trip cost? You do you think, oh, we're not talking
Speaker 2: about that. We're bearing our head in this.
Speaker 4: I would think it'd probably'll be on that twenty five
Speaker 4: thousand mark. But one of my greatest feats, and I
Speaker 4: know this doesn't work for everybody, but my partner and
Speaker 4: I would do share a credit card for daily expenses,
Speaker 4: so our flights to Europe were more than half the price,
Speaker 4: which were such a great money when for me. So yeah,
Speaker 4: that's roughly what it would cost. So that was my
Speaker 4: money goal. And I also just bought a new car,
Speaker 4: which was super exciting. But now I think the next
Speaker 4: morning goal is our engagement and we were going to
Speaker 4: have a wedding, but that's not happening anymore.
Speaker 2: Oh tell me about that. So what's the plan with
Speaker 2: the engagement and wedding and what do you think that'll cost?
Speaker 4: So the engagement, we're having a party with close friends.
Speaker 4: We're budgeting for about seven thousand for that. And with
Speaker 4: the wedding, I never wanted a wedding that my partner said, Oh,
Speaker 4: you know, it would be so nice to have all
Speaker 4: of our friends there and have a big celebration. And
Speaker 4: then I started to send him their.
Speaker 2: Quotes and you both were like you, Sarah, now on
Speaker 2: my page, aren't you?
Speaker 4: And I said, look, we could have a great wedding,
Speaker 4: which would be great, or we could go traveling for
Speaker 4: six months in Asia. Up to you. So that's going
Speaker 4: to be our goal.
Speaker 2: Oh my gosh. So is it extended travel and we're
Speaker 2: just not getting married, or is it extended travel and
Speaker 2: a different route to marriage.
Speaker 4: We're just going to go to the registry?
Speaker 2: Yeah cute.
Speaker 4: Yeah.
Speaker 2: I tried to float that idea at some point. I
Speaker 2: just thought there was something so romantic about going to
Speaker 2: the registry and just marrying the love of your life.
Speaker 2: If you've seen social media, that is not the wedding
Speaker 2: that I had. I had a very large wedding, yes,
Speaker 2: and that was mainly driven by my husband going, no,
Speaker 2: this is meant to be the biggest party of my
Speaker 2: life and me going, if we're being honest, I don't
Speaker 2: have that many friends. So ninety percent of the room
Speaker 2: were his friends, and that's okay. I had the most
Speaker 2: fun ever, like ever, and I don't regret it. But
Speaker 2: also I just I am a little bit envious, even
Speaker 2: like I wouldn't change it for the world, but like
Speaker 2: this Registry vibe just so romantic, so cute, like so sweet,
Speaker 2: and the idea that you're going to have this big
Speaker 2: holiday together like quality time is always going to trump
Speaker 2: a fancy party.
Speaker 4: Absolutely. I just really could not justify the cause and
Speaker 4: giving the money mindset that I came from, like you know,
Speaker 4: so scared of spending money.
Speaker 2: Just didn't make sense.
Speaker 4: Yeah, it didn't make sense. And yes, I've come like
Speaker 4: such a far away, but it's still one of the
Speaker 4: core things that you know, I do reflect on. So yeah,
Speaker 4: I just could not. So just a registry wedding and
Speaker 4: then I dinner with like our closest friends and family,
Speaker 4: and that's it.
Speaker 2: I love it. I couldn't love it more. All Right, money, Diarist,
Speaker 2: I have so many questions for you. I want to
Speaker 2: talk about investing and debt and good and bad money
Speaker 2: habits and everything in between. But we'll get to that
Speaker 2: straight after this break, so don't go anywhere. All right,
Speaker 2: Money Diarist, we are back. I'm so excited about your journey.
Speaker 2: I feel like there's so much to be you know,
Speaker 2: pervy on. Obviously your entire money mindset has changed, and
Speaker 2: now I don't know you look back on it and
Speaker 2: you look at where you've come from and this situation
Speaker 2: of being. You know, said, I was well off as
Speaker 2: a child and then you know, basically everything flipped and
Speaker 2: changed and I was, you know, basically living in poverty
Speaker 2: growing up, had to find my own way. Do you
Speaker 2: think Mini, you would look forward and go, WOWE, she's
Speaker 2: been on this big europe trip. She's engaged to the
Speaker 2: love of her life, like, you know, she's gonna have
Speaker 2: this registry wedding and then go on another six months
Speaker 2: in Asia. Would she believe that?
Speaker 4: Absolutely? Not no way. Even the fact that I was
Speaker 4: able to buy my own car, you know, just being
Speaker 4: able to do that, I just know, Mini, me would
Speaker 4: never ever think that those dreams are possible.
Speaker 2: I love that you're doing it, but I also just
Speaker 2: love that I get to meet so many people in
Speaker 2: our community who are the people that are Mini. People
Speaker 2: needed like young you needed you, right, And I just
Speaker 2: I look back and I go, that's so cool that
Speaker 2: you've become that person. And you mentioned before like I
Speaker 2: don't want my kids to go through that, and you
Speaker 2: just know they're not, Like you just know with the
Speaker 2: mindset that you have now, they're inside a good position
Speaker 2: because you've done the work and you've made the change.
Speaker 2: It makes me so proud even though I didn't do it.
Speaker 2: I'm just like, I'm such a proud mum of everybody
Speaker 2: that does this. But now, talk to me. Money mindset
Speaker 2: is hard. You've obviously got more of a positive money mindset,
Speaker 2: but one of the hardest things is investment. So to
Speaker 2: tell me what are your thoughts on investment? Are you investing?
Speaker 2: If not, why not? If so, what are you doing
Speaker 2: when we're in how so?
Speaker 4: I don't have any investments currently. My partner he's dabbled
Speaker 4: in investments. I want to It is such a big thing.
Speaker 2: It's a massive thing. That's why I'm saying, like I
Speaker 2: actually expected you to be like, absolutely not yet, Victoria.
Speaker 4: No, I would love the safe route, and my vision
Speaker 4: is that you know, my partner's invested in a few ETFs,
Speaker 4: and that's really where I think I would go. But
Speaker 4: I just want to really understand more before diving.
Speaker 2: In, especially just something that is so it's a completely
Speaker 2: different language, Like it just feels overwhelmed. I promise that
Speaker 2: once you're in it, you'll be like, oh, this is
Speaker 2: so much easier than I thought. But like that's the
Speaker 2: way with everything.
Speaker 4: Right, absolutely, but they don't teach you that sort of
Speaker 4: stuff in school.
Speaker 2: So now that's why I've got a job, my friend,
Speaker 2: That's why I can actually do this for work. So
Speaker 2: as much as I'm trying to get it into schools,
Speaker 2: I'm lokey, like, ah, I might become redundant or I
Speaker 2: hope I'll become redundant.
Speaker 4: Oh gosh. But yeah, so investing is definitely on the cards. Well,
Speaker 4: that's how my dad was so well off in my
Speaker 4: younger years that he really like played the stock market
Speaker 4: and did it very well. So that's always been in
Speaker 4: the back of my mind. That's something that I want
Speaker 4: to do. But yeah, getting there is the journey.
Speaker 2: Yes, absolutely, and we're on it and I love it.
Speaker 2: Tell me about debt. Do you have any debt? How
Speaker 2: do you feel about debt? What does that look like?
Speaker 4: I have a hex deebt. But I only started studying
Speaker 4: when I already worked full time, so it's at three
Speaker 4: thousand easy. But every year, because I am still currently studying,
Speaker 4: it just pays down really because I've always earned over
Speaker 4: that threshold while i've been studying. So there's that, And
Speaker 4: like I said, I do have a credit card that
Speaker 4: my partner and I share, but we use it for
Speaker 4: daily expenses and groceries bills, and so once that accumulates
Speaker 4: to the month, then we clear it every month, so
Speaker 4: it's not really a debt. When that figure that we
Speaker 4: like to set on that does blow over, I get
Speaker 4: back into my scarcity mindset. But you know, sometimes things happen.
Speaker 2: Yeah, absolutely, what.
Speaker 4: Can you do? So I'm still learning that balance.
Speaker 2: Yeah, and finding that balance is really hard but also
Speaker 2: really important. Obviously, you've got that credit card with your fiance.
Speaker 2: Tell me who suggested getting that credit card? I have
Speaker 2: a sneaky suspicion that might not have been you. And
Speaker 2: how did you feel about that? Because if you've gone
Speaker 2: through what you've gone through, often we are really averse
Speaker 2: to taking on any type of debt or avoiding that
Speaker 2: like the plague, because it can feel like a really
Speaker 2: really heavy burden.
Speaker 4: Funny enough, it was me, it was you.
Speaker 2: Who is she? She's a changed woman.
Speaker 4: When we moved in together, we already agreed that, you know,
Speaker 4: we would be sharing everything fifty to fifty and we
Speaker 4: were just going to open a shared bank account where
Speaker 4: we would do that. We travel pretty frequently, and I
Speaker 4: did some looking into you know, those points, tacks and
Speaker 4: all those sorts of things, and I thought, why don't
Speaker 4: we get a credit card with the view to just
Speaker 4: use it for daily expenses and you know, it works
Speaker 4: for us in another way without us having to do
Speaker 4: anything really, So, yes, that was my decision, and I
Speaker 4: understand not everyone can do that.
Speaker 2: I'm pretty irresponsible personally, which is why I can't be
Speaker 2: in that. But I have got it through my business,
Speaker 2: and I'm so clean in my business that when we
Speaker 2: rack up Virgin points, I'm always like, look at us
Speaker 2: grading to business guy. I feel such a sense of achievement.
Speaker 2: I'm always like, this is on me, even though I
Speaker 2: did literally nothing for it except for use the cart.
Speaker 4: Yeah. So if the points situation was not there, then
Speaker 4: I wouldn't be really looking at that credit card. But yeah,
Speaker 4: those points have got us free flights to New Zealand,
Speaker 4: half parts to Europe.
Speaker 2: I love it. Tell me, now, what is your best
Speaker 2: money habit, because obviously, going through all of this trauma
Speaker 2: and all you actually do end up with some pretty
Speaker 2: good money habits that serve you well. Right, Like they're
Speaker 2: not coming from the best of places, but they are
Speaker 2: on paper very good money habits. So what are your
Speaker 2: best money habits?
Speaker 4: No shock here, but I am definitely not an impulse spender.
Speaker 4: When I am looking to buy something or yeah, a
Speaker 4: purchase of some sort, I'm really weighing up the practical
Speaker 4: side of things, whether you know, is this something that
Speaker 4: I actually want? Is this something that I actually need?
Speaker 4: So never ever have been an impulse shopper.
Speaker 2: I love and let's flip it. What's your worst money?
Speaker 2: Have it?
Speaker 4: Funny enough, my best money have it sometimes becomes my
Speaker 4: worst money. Every six months, I consolidate my bills to
Speaker 4: just make sure that you know, my weekly spendings and
Speaker 4: whatnot all on track. And now I make my yance
Speaker 4: and do that too. But when I am feeling stressed
Speaker 4: or you know, things are getting too much, that's, in
Speaker 4: a way sometimes my coping mechanism, and then I will
Speaker 4: do it before it's my set time to do it,
Speaker 4: and then I kind of ruminate on do I have
Speaker 4: enough money for this? And I do, But you know it,
Speaker 4: just as trauma goes, it's never gone. And when things get.
Speaker 2: A bit wobbly in life, you're revert.
Speaker 4: Yeah, those things come up again, So that then becomes
Speaker 4: my worst money have it because I ruminate it on
Speaker 4: it too much and then it doesn't make me feel
Speaker 4: good until I have to take that step back and go.
Speaker 2: Okay, actually I have got this.
Speaker 4: I'm doing really well.
Speaker 2: Actually, yeah, have you got a bigger budgeting cash flow plan?
Speaker 2: Or is this something that you just kind of go
Speaker 2: all right, oh, budget month to month or like, are
Speaker 2: we doing this annually? Like what does taking control of
Speaker 2: your finances look like?
Speaker 4: So right now, I guess we'll be looking at saving
Speaker 4: that pool of money for our extended travel, So we
Speaker 4: have sort of rough numbers on what we want to
Speaker 4: say for that. So I think it changes every time
Speaker 4: we have a.
Speaker 2: New goal, as it should.
Speaker 4: Yeah, buying a house at Sydney's way out of my debt.
Speaker 2: May your odds ever be in your favor.
Speaker 4: So that's why I do it every six months because
Speaker 4: sometimes things change, things fall off, things get added, So
Speaker 4: I track that in comparison to whatever that current goal
Speaker 4: is to make sure we're on track.
Speaker 2: Love, All right, last question I've got for you. I
Speaker 2: want to know, like, I just feel like you've been
Speaker 2: through so much, but you're such a glowy, happy human,
Speaker 2: Like I never read the stories that are written in
Speaker 2: to me before we jump into the show, because I
Speaker 2: really like to be as pervy as possible, and I
Speaker 2: guess as organic as possible. Right watching you when we
Speaker 2: jumped on, I was like, Oh, this is going to
Speaker 2: be such a positive money story. She's so happy and glowy,
Speaker 2: and obviously we dove into it and I was like, Oh,
Speaker 2: she's been through so much. And then obviously we started
Speaker 2: talking about your fiance and you like litter up again
Speaker 2: and you're just in this place that I go far
Speaker 2: out Mini, you needed you and you're doing literally everything right.
Speaker 2: Tell me, now, what does the future look like?
Speaker 4: Like?
Speaker 2: What does life look like moving forward? Obviously there's a
Speaker 2: few really exciting things on the horizon. You've just gotten engaged,
Speaker 2: you're having an engagement party, you're going on a big trip.
Speaker 2: But what after that? What do you think life looks
Speaker 2: like in the next ten twenty years.
Speaker 4: I couldn't paint a very detailed picture. And my partner,
Speaker 4: he comes from a similar socioeconomic background, and you know,
Speaker 4: in terms of those struggles, and we're just completely on
Speaker 4: the same page. You know, we don't want our children
Speaker 4: to suffer. I guess the way that we did, and
Speaker 4: we want them to feel that you don't worry, like
Speaker 4: the groceries won't have to be cut down this week
Speaker 4: because you know, the electricity bills coming or things like that.
Speaker 4: So we're both on that same page that we just
Speaker 4: want to create a home that meets.
Speaker 2: All of those basic needs.
Speaker 4: Yeah, that those basic needs out, they're absolutely you deserve.
Speaker 2: So how does it feel knowing that you can do that? Though? Like,
Speaker 2: because we both know you can do that. The position
Speaker 2: you're in now is not the position you grew up in.
Speaker 2: Is that something where I'm just so excited for it
Speaker 2: or overwhelmed or you, I don't know, proud, Like what
Speaker 2: does that look like for you?
Speaker 4: I am really proud, And I think anyone who's been
Speaker 4: through those kinds of hardships things, if only I had
Speaker 4: someone that you could put me on the right track
Speaker 4: or that I could lean on, But then I wouldn't
Speaker 4: have this mindset. I might take things more for granted.
Speaker 4: So you know, so I'm appreciative really of those things
Speaker 4: that I've gone through, And yeah, I guess I am
Speaker 4: super proud that I can look back on it and
Speaker 4: see it as they are hardships. But you know, it's
Speaker 4: given me the growth.
Speaker 2: It's part of your journey. Yeah, So now tell me
Speaker 2: last question, because I don't have much time left with you.
Speaker 2: At the start of this episode, you said, I think
Speaker 2: I'm a baby. What would it take to get to
Speaker 2: an A plus?
Speaker 4: Hmmm, gosh, that is a sticky one. My big thing
Speaker 4: is to understand that investing side of things more. I
Speaker 4: think if I had that grasp, i'd definitely be on
Speaker 4: maybe the A minus side of things.
Speaker 2: And that's a good position to be in.
Speaker 4: Yeah, that's what I think it would be for me.
Speaker 2: I love it. Oh my gosh, I have adored this chat.
Speaker 2: I'm just so proud of you, Like I want to
Speaker 2: jump through the screen and hug you and be like, ah,
Speaker 2: you've done it. Like this is just so exciting to
Speaker 2: meet people from our community who have changed their money stories.
Speaker 2: As you know, I'm wildly passionate about them because because
Speaker 2: we can't change our money story history, but we can
Speaker 2: kind of reinvent what the future looks like. And I
Speaker 2: think so many of us forget that we have that
Speaker 2: power and we have that control no matter where we've
Speaker 2: come from or what we're planning on doing, we actually
Speaker 2: can do these things, and your story is clear proof
Speaker 2: that that is possible. And I wish you could see
Speaker 2: her face. She's just such a happy, glowy human being
Speaker 2: and I want that for everybody in our community, right So,
Speaker 2: Money direst it has been a pleasure sharing this time
Speaker 2: with you and getting to know you and getting to
Speaker 2: know a little bit about your journey. I really really
Speaker 2: appreciated it, and I know our community has as well.
Speaker 4: Thank you so much.
Speaker 3: The advice shared on She's on the Money is general
Speaker 3: in nature and does not consider your individual circumstances. She's
Speaker 3: on the Money exists purely for educational purposes and should
Speaker 3: not be relied upon to make an investment or financial decision.
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