Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kernye 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
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today 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 on the Money, the podcast
Speaker 2: for millennials who want financial freedom. Welcome back to another
Speaker 2: one of our money diaries where I get the absolute
Speaker 2: privilege of sitting down with one of our She's on
Speaker 2: the Money community members to talk all about their money story.
Speaker 2: Let's jump straight in because this week I got a
Speaker 2: message and it sounded exactly like this. Hi, Victoria. We
Speaker 2: burned through all our savings after my partner got suddenly
Speaker 2: ill and couldn't go to work for three months. Now
Speaker 2: we're working to build it all back up again, money diarist.
Speaker 2: I feel like this is going to be an unfortunately
Speaker 2: very relatable money diary for a lot of people in
Speaker 2: our community. First things first, how are you?
Speaker 4: I'm pretty good.
Speaker 2: You're very excited to be Oh really, I'm excited to you.
Speaker 2: Money dirests are literally my favorite thing in the entire universe.
Speaker 2: So getting to record them every week is my favorite.
Speaker 2: Let's start things as I always do. I want to
Speaker 2: know if I asked you to grade your money habits
Speaker 2: from A through to F, what grade would you give them?
Speaker 4: I'd give myself a B.
Speaker 2: Like that? All right, now my favorite question, can you
Speaker 2: tell me a little bit more about your money story?
Speaker 4: So like, basically I grew up pretty well, Like my
Speaker 4: parents worked really hard and we always had like a
Speaker 4: stable house, and you know, we never went without anything.
Speaker 4: And then the moment I turned sixty, my mom was like, Okay,
Speaker 4: you're old enough to get a job. Go get a job.
Speaker 4: If you want anything, you've got to earn it. And
Speaker 4: so like that's basically what started it. Anytime I wanted something,
Speaker 4: I had to say about for it myself. Typically unless
Speaker 4: it was like something kind of expensive, then Mom would
Speaker 4: help me. M went to Union, I met my partner.
Speaker 2: Oh you met at Uni?
Speaker 1: Yeah?
Speaker 2: I love this.
Speaker 4: First year of beauty. I was like, I mean I
Speaker 4: have such a crazy year. And then immediately got a boyfriend.
Speaker 4: I was like, ohops, yeah.
Speaker 2: That sounds exactly like me. I like got out of
Speaker 2: my long term relationship and I'm like, I'm going to
Speaker 2: be a single gal go on it in to date
Speaker 2: with my husband Steve and I'm like, Hi, do you
Speaker 2: want to get married?
Speaker 4: Sounds like right, yeah. And he had a very different
Speaker 4: mindset to me. So he was very much a spender
Speaker 4: and he had a very different childhood. So his parents said,
Speaker 4: immigrated to Australia from Vietnam and they grew up quite
Speaker 4: poor and it was a very rough childhood.
Speaker 5: They like often went without things. I would go to
Speaker 5: bed hungry.
Speaker 1: You know.
Speaker 4: It was a very tumultuous relationship even into adulthood, and
Speaker 4: it was pretty unstable, and it kind of translated across
Speaker 4: into our relationship where like he was a spender and
Speaker 4: I was a saver, and it ended up causing a
Speaker 4: lot of fights.
Speaker 1: Yep.
Speaker 4: And it got to a point earlier this year where
Speaker 4: I said, hey, I've actually given you so much opportunity.
Speaker 4: I've given you so many resources, I've spoken to you
Speaker 4: about this, haven't made any changes. This is essentially your
Speaker 4: final chance do what I And then it was kind
Speaker 4: of like lit a fire under his ass.
Speaker 2: And good, how long had you been together at that point?
Speaker 4: This is our fourth year?
Speaker 2: So four years okay, So four years like enough time
Speaker 2: to have settled in. It's not like the first six months,
Speaker 2: because that would be honestly a bit weird.
Speaker 4: Yeah, no, definitely not. It was a long time. And
Speaker 4: then it was also a listened to like a money
Speaker 4: story and was someone that had very similar childhood and
Speaker 4: we're doing really well, and it was kind of like, oh, wait,
Speaker 4: I don't have.
Speaker 5: To to to let what my parents did define me.
Speaker 4: I guess yeah, And so that was really good. And
Speaker 4: then we were doing quite well, and it was probably
Speaker 4: about two months of we were doing so well and
Speaker 4: we're saving so much money, and then we're sitting and
Speaker 4: we're watching the footy at a friend's house and he
Speaker 4: turns to me and he goes, Molly, I can't see
Speaker 4: the scoreboard. And I was like, what, You're fine, We're
Speaker 4: just drinking. You're fine. And it happened for and it'd
Speaker 4: been fine and it had gone away and whatever, and
Speaker 4: we were up in the morning. He's like, Nah, I.
Speaker 5: Need to get someone to look at it. So we
Speaker 5: went and saw anupometrist.
Speaker 4: Yeah, and he was like, you need to go the
Speaker 4: Irony emergency, Like right now, I'm sending a referral. And
Speaker 4: he spent a few days going back and forth and
Speaker 4: seeing like every specialist. You know. At the start, we
Speaker 4: were quite reckless and we're kind of like buried our
Speaker 4: head to the stand. We're like, oh, spending way too
Speaker 4: much money basically, and he couldn't go back to work
Speaker 4: for three months.
Speaker 2: Wow.
Speaker 4: And we ended up surviving off of our savings.
Speaker 2: I'm so glad you had them, very very luckily.
Speaker 4: It was like a message from the universe almost be like, here,
Speaker 4: let's drive this lesson home.
Speaker 2: Yeah, we're really going to teach you to take financial
Speaker 2: security seriously. When she said shape up or ship out,
Speaker 2: she really meant to take it seriously. I mean, the
Speaker 2: universe had your back in a really weird way.
Speaker 4: Yeah, And it ended up being three months that he
Speaker 4: was out of work. Kind of lucky.
Speaker 5: We had the tax return come through, which.
Speaker 4: Both of us had to put towards our cars, Like
Speaker 4: someone stole his license plate two weeks into this happening.
Speaker 2: It was like the hair.
Speaker 4: Yeah, it was kind of crazy. So and then we
Speaker 4: had to do like all the registration fees and yeah,
Speaker 4: wow at service, I can't get you tied. So both
Speaker 4: all our tax turn went to that, and then we
Speaker 4: were quite a lucky. We were able to borrow some
Speaker 4: money from some of his family members who were doing better,
Speaker 4: and he had the toolar and come through because he's
Speaker 4: an apprentice, so that helps us. And then kind of
Speaker 4: got to the third month and we had that month's
Speaker 4: rent left and then after that we had nothing left,
Speaker 4: and we were lucky he was able to go back
Speaker 4: to work.
Speaker 5: Yes, I'm so glad had kind of returned.
Speaker 4: So when it started, it was more so like a
Speaker 4: gray circle and a bit of peripheral vision in one eye,
Speaker 4: and then now it's kind of back to he can see,
Speaker 4: but it's extremely blurry out of that one eye.
Speaker 2: So is there a diagnosis? Like what is this?
Speaker 4: So they've narrowed it down to two things, but they
Speaker 4: can't diagnose them. So he's being treated for both of them.
Speaker 4: So the first one was he's like a latent carrier
Speaker 4: for tuberculosis. Yeah, crazy, and they think that it could
Speaker 4: have become activated in his eye, but you can't treat it.
Speaker 4: So he's on speculous medications for four months, which is powerful.
Speaker 5: And really damages your livery and everything like that.
Speaker 4: Wow, it's like a really rare autoimmune disorder that's common
Speaker 4: in people of Asian descent, but they can't really diagnose
Speaker 4: that either because most of them carry that sort of gene.
Speaker 5: Yeah, okay, they can't prove whether it's become activated or not.
Speaker 2: Yes, So you've got to hit it from both sides
Speaker 2: because like it might be the TV or it might
Speaker 2: be this autoimmune disorder. Oh my gosh.
Speaker 3: Yeah.
Speaker 4: So he's been on like that as well as mean
Speaker 4: like suppressants and like some really powerful medications. But it's
Speaker 4: most likely the ordom you disordered, because he's got a
Speaker 4: lot of the symptoms for it. Yeah okay, And like
Speaker 4: when this is all happening, we'd applied for cimlin and
Speaker 4: you know, for emergency payments, and he'd gone back to
Speaker 4: work before we'd even heard anything. And it was kind
Speaker 4: of really stressful because around them. At the same time,
Speaker 4: we found out that our lease price is going up
Speaker 4: two hundred dollars when so like, we're gonna have to.
Speaker 2: Read the universe is like trying to teach you something
Speaker 2: and I'm really not sure what it is.
Speaker 4: I don't know whether it hates us or not.
Speaker 2: No, like the universe doesn't hate us. It's trying to
Speaker 2: teach us something in a really weird way.
Speaker 4: Really harsh way. So we're having a move and it's like,
Speaker 4: you know, we don't really have the savings to move,
Speaker 4: so we're going to have to move in with his
Speaker 4: little brother, which is going to be tough, but you know,
Speaker 4: it will save some money. We did the settlink and
Speaker 4: then if after like thirteen weeks and they don't give
Speaker 4: you a response, you can call them and complain.
Speaker 2: Like, but that's so long, that's like a quarter of
Speaker 2: the year.
Speaker 4: Yeah, it's been ridiculous. Oh and like he tried to
Speaker 4: go in and speak to They're like, you need to
Speaker 4: make an appointment, and they're like, oh, okay, So he
Speaker 4: tried to call to make an appointment and then.
Speaker 5: He was blocked from calling.
Speaker 4: What Yeah, if you call too many times, sendely blocks.
Speaker 2: You excuse me, sentling, It's like your problem, I'm calling
Speaker 2: because you're the issue. That's a toxic X.
Speaker 4: I know it's ridiculous. Oh, it was doing my head.
Speaker 2: In Next time, get this, just call them off blocked numbers.
Speaker 2: I'm never giving Center Link my number again.
Speaker 4: Like it does that, but you have to put in
Speaker 4: your crn Oh no, it picks up and they're like, oh,
Speaker 4: you can't call, you need to go in, and it's like,
Speaker 4: you can't go in unless you're make an appointment.
Speaker 5: You can't make an appointment without calling.
Speaker 2: They're verged it, they know, they know what they're doing.
Speaker 4: Oh it's messed up.
Speaker 2: No wonder there's always so many people loitering outside centilling
Speaker 2: because no one knows how to get in or get
Speaker 2: an all.
Speaker 4: Yeah's angry, but we're kind of grateful because I like
Speaker 4: when Swift putting this complaint. A few days later, we've
Speaker 4: been approved, so we've got.
Speaker 2: To get study pay of four eight hundred dollars, which
Speaker 2: is basically so much pressure off ry.
Speaker 4: So it's like amazing, Like probably better we got it
Speaker 4: after rather than dream because we probably wouldn't have had
Speaker 4: all that to put into savings.
Speaker 2: See, the pressure has been taken off a little bit.
Speaker 4: A lot, and we're still saving as much as we
Speaker 4: could really so like he's been putting most of his
Speaker 4: paycheck away while we can so yeah.
Speaker 2: Oh my gosh, how stress? How are you in all
Speaker 2: of this?
Speaker 5: I was having a meltdown, Like I was so freaked out.
Speaker 4: I was so stressed, Like I was like when it
Speaker 4: first happened, I was like crying at work because I
Speaker 4: had to go.
Speaker 2: Into work and of course we need the money.
Speaker 4: And I was like crying at work and it was
Speaker 4: just so ridiculously insane and just all of like when
Speaker 4: you went back to work, I literally nearly fellow because
Speaker 4: I was so relieved, Like and same thing with the
Speaker 4: center link. I was like, which just feels like so
Speaker 4: much weight it's been taken off. Like it was so stressful.
Speaker 5: And then like when I'm stressed, you get like flare ups.
Speaker 2: Yeah wow, And like are you dealing better with that now?
Speaker 4: Yeah? I'm always stressed, but like a lot better than
Speaker 4: what I was.
Speaker 2: I don't want to be that friend, but like maybe
Speaker 2: we need some therapy.
Speaker 4: Yeah probably. I did used to get it, but I
Speaker 4: stopped going because it's fenny.
Speaker 2: It's so expensive, right, and that's like a kick in
Speaker 2: the gut. So I don't want to be your doctor. Here,
Speaker 2: but like go talk to your doctor about getting a
Speaker 2: mental health care plan and talking to somebody who is
Speaker 2: like a third party, because it is stressful, right like,
Speaker 2: regardless of what your partner like has or is going through,
Speaker 2: Like that's such a burden on you, and like your
Speaker 2: partner doesn't like want that. No one wants that, right like,
Speaker 2: And you don't feel like it's a burden because of
Speaker 2: course you're going to do that for your partner, Like
Speaker 2: i'd been here the backwards if my husband was sick
Speaker 2: like a thousand percent, but like, sometimes you need a
Speaker 2: third party who's not your family and not your friends,
Speaker 2: who honestly, like you know, I'd sit down and be
Speaker 2: like money Diarist, you're amazing, Like of course, of course,
Speaker 2: and you're gonna be like, of course you're gonna say
Speaker 2: that you're my best friend. Like you need a third
Speaker 2: party to sometimes talk things through. So you go, oh,
Speaker 2: that makes sense as to why I was, you know,
Speaker 2: crying at work and so stressed. And it's something that
Speaker 2: I think if you knock it on the head now,
Speaker 2: it's not gonna linger later. And I think that that's
Speaker 2: a good thing because like we can carry stress so
Speaker 2: deeply and it sounds like that's something we need to
Speaker 2: talk about. My friend.
Speaker 4: Always, I try to.
Speaker 2: I appreciate it all right. You mentioned crying at work,
Speaker 2: which sucks. I'm so sorry that's the case. But tell
Speaker 2: me about work. What do you do for work and
Speaker 2: how much money do you earn?
Speaker 5: So I'm actually a full time student. I study pharmacy.
Speaker 2: Oh very cool, she's going to be a richie.
Speaker 4: And I work in a pharmacy part time and I
Speaker 4: earn thirty three thousand dollars a year.
Speaker 2: Hey, that's pretty good for part time as a student.
Speaker 4: I do like twenty hours a week, but I pick
Speaker 4: up heaps of shifts.
Speaker 2: So cool. Tell me a bit more about pharmacy.
Speaker 4: Oh, it's so fun. I love it. Like I work
Speaker 4: in a community and a pharmacy, and I have really
Speaker 4: great coworkers and we're in a really good area. And
Speaker 4: like it is hard, like we do cople a lot
Speaker 4: of abuse, no why people like the But then like
Speaker 4: we have customers, like buns was getting abused, and then
Speaker 4: one of our regular sority came and there's like, here's
Speaker 4: a bock of chocolate for you guys. Oh my god,
Speaker 4: this is why I love this place. Like this run's
Speaker 4: mostly sweet, but you just get the cycles.
Speaker 2: Yeah, there's always going to be like some bad eggs.
Speaker 2: How much longer have you got for study?
Speaker 4: Three weeks?
Speaker 2: No, you don't. I know.
Speaker 4: I'm so excited. And then I do like my internship,
Speaker 4: which I'll do at the place I work, and they'll
Speaker 4: be full time, so I'm so excited to do.
Speaker 2: Yeah, so you're going to be like a full blown
Speaker 2: pharmacistic like three weeks kind but like you do your internship,
Speaker 2: but like you don't have to study anymore.
Speaker 4: Yeah, well, I know, I just start next year. I've
Speaker 4: still have all my final exams next year, so I
Speaker 4: kind of have a year, but you need three weeks.
Speaker 2: Yeah, that's so exciting. So what do you get paid
Speaker 2: doing your internship if it's now full time hours?
Speaker 4: I think it's like twenty five to twenty seven dollars
Speaker 4: an hour, so probably around eight hundred dollars a week
Speaker 4: after tax I think roughly.
Speaker 2: Yeah, I'm so glad that you're getting paid for an internship.
Speaker 2: That's a gripe that I have. But also congratulations, that's
Speaker 2: a hard slog to have gone through everything you've just
Speaker 2: gone through and then also be three weeks off like,
Speaker 2: my friend, you're not going to know financial security like
Speaker 2: you have that foury eight hundred in savings. I'm just
Speaker 2: so excited for what the future looks like. I still
Speaker 2: don't know what the universe is trying to teach you,
Speaker 2: but it's definitely taught you and your partner to be
Speaker 2: really good savers.
Speaker 4: Yeah, one hundred per cent. It's like very good. We
Speaker 4: can live on peanuts essentially.
Speaker 2: So tell me a little bit about your partner and
Speaker 2: his job. What does he do and how much money
Speaker 2: does he earn?
Speaker 4: So he's a carpentry prentice and he's all about eight
Speaker 4: hundred and fifty dollars a week. I think, don't actually know.
Speaker 2: That's okay, I feel like that. I don't know. You're
Speaker 2: set up for a very comfy financial life in the future.
Speaker 2: What does pharmacy look like full time? Once you become
Speaker 2: a fully qualified, fully study finished pharmacist.
Speaker 5: So starting raiders about thirty five dollars an hour.
Speaker 2: But you sort of have to batterle negotiate.
Speaker 4: That's what negotiate your wage. So it depends on how
Speaker 4: good I'm negotiating for myself.
Speaker 2: Oh well, I've got your back. So the answer is brilliant.
Speaker 2: You're going to be brilliant and negotiating your wage. I
Speaker 2: love it. I feel like you are on the right track.
Speaker 2: That's very exciting. Tell me about your big money goals.
Speaker 2: What are we currently working towards?
Speaker 4: So, right now moving house, but after that, it's saving
Speaker 4: to buy a house. That's like the most important thing
Speaker 4: right now for me. I'm sick of renting.
Speaker 2: That's so fair. Tell me about moving. How much is
Speaker 2: that going to cost? Are you moving far? What does
Speaker 2: it look like?
Speaker 4: Look, we're not really sure, Like we're trying to move
Speaker 4: sort of around this area max a thirty minutes away
Speaker 4: from my work. Yeah, and the places we're looking.
Speaker 5: At will probably be like.
Speaker 4: Two thousand dollars per calendar month roughly. Move will be
Speaker 4: expensive because we've got to pay for like professional clean,
Speaker 4: flea bomb, all that sort of stuff. Yeah, I reckon,
Speaker 4: we need at least.
Speaker 5: Five thousand dollars to move and to still have a
Speaker 5: little bit of something in the background.
Speaker 2: Yeah, fair, it's so expensive. Have you started getting like
Speaker 2: removalist quotes and stuff like that or are you going
Speaker 2: to like do it differently?
Speaker 4: So we move November sixteenth. So I've been trying to
Speaker 4: organize inspections. But it's kind of a nightmare right now
Speaker 4: doing that. Social finals coming up, but I haven't looked
Speaker 4: at quotes or anything like that. Normally we move the
Speaker 4: little stuff by ourself and then like we just get
Speaker 4: someone for a big Can.
Speaker 2: I give you a tip of what I did? And
Speaker 2: I didn't realize how cheap it would be. I don't
Speaker 2: know if this is going to be for everybody, but
Speaker 2: we recently moved and I didn't want to pay for removalists,
Speaker 2: Like it just wasn't happening. I was like absolutely not
Speaker 2: got the quotes, and I was like, that's disgusting. I
Speaker 2: don't care if I can afford it or not not
Speaker 2: paying it. Taxi box like this is not a sponsored
Speaker 2: mention for anyone wondering, But it's like this company where
Speaker 2: they take a box of your stuff, like they drop
Speaker 2: basically a half shipping container in your driveway or like
Speaker 2: out the front of your house. You fill it up,
Speaker 2: they take it away and deliver it back to a
Speaker 2: location that you want it to be delivered to. And
Speaker 2: like I think it cost me less than like eight
Speaker 2: hundred bucks or something, and we got to fit in
Speaker 2: like our washing machine and our dryer and our like
Speaker 2: big appliances and our fridge and our mattress and our
Speaker 2: bed and all of the stuff that definitely didn't fit
Speaker 2: in the car, and then we moved everything else in
Speaker 2: the car, and like it's not gonna work for everybody,
Speaker 2: But like I called them and I was like, hey,
Speaker 2: like can I kind of use this as a moving
Speaker 2: service And they were like yeah, Like I guess like
Speaker 2: there might be like a day in between picking it
Speaker 2: up and dropping it off because of their system, But
Speaker 2: I was like, you can keep all my stuff for
Speaker 2: a whole day for it to be much cheaper, so
Speaker 2: maybe that'll work.
Speaker 4: But we did alas was air Tasker that was like
Speaker 4: really cheap and they were really nice.
Speaker 5: I really like air task I think it was three
Speaker 5: four hundred dollars for that.
Speaker 2: Yeah, see that's a money we in. But like lots
Speaker 2: of options to look into that don't necessarily involve you
Speaker 2: hiring a fully qualified mover. Not those guys are so spano.
Speaker 2: Like I'm not saying that they're not worth it, but
Speaker 2: like when you already have a million costs, like it's
Speaker 2: just another cost that you're like, I don't know if
Speaker 2: I can afford this.
Speaker 4: Yeah, it's very responsive.
Speaker 2: Oh my gosh. All right, well, I'm really glad that
Speaker 2: you're in that circumstance and I know you can afford
Speaker 2: it this time. Let's go to a really quick break
Speaker 2: and on the flip side, I want to talk about
Speaker 2: investments and debt and your best money habits and your
Speaker 2: worst money habits, because I'm pretty sure after everything you've
Speaker 2: been through this ar you're probably going to have some
Speaker 2: really good money habits to share with us. So guys,
Speaker 2: don't go anywhere. All right, money diarist, We are back
Speaker 2: and I feel like I've got a lot to learn
Speaker 2: from you. But let's start. Do you have any investments?
Speaker 2: If not, why not? If the plan is to get some,
Speaker 2: what are they and how will that work?
Speaker 4: So I do. I've got my super which is sixteen thousand.
Speaker 2: Dollars how much?
Speaker 5: Sorry, sixteen thousand sixteen.
Speaker 2: That's really good for your age and the fact that
Speaker 2: you're studying.
Speaker 4: Yeah, I've worked full time for a while and I
Speaker 4: haven't stopped working for a really long time. And then
Speaker 4: also I have one thy five hundred in spaceship. But
Speaker 4: I want to take it out.
Speaker 2: Why do you want to take it out?
Speaker 4: I want to put into a Vanguard because I feel
Speaker 4: like it would be more suited for me, and also
Speaker 4: kind of like it's the stuff that happened earlier this
Speaker 4: year where they got banned from having people go in there,
Speaker 4: and then I was just kind of like, nah, it
Speaker 4: kind of put me off them. I got the ick,
Speaker 4: but it's down, so I don't want to take it
Speaker 4: out while it's down.
Speaker 2: Yeah, I wouldn't recommend selling any investment while it's down.
Speaker 2: I don't know if you saw I did a whole
Speaker 2: video on what was happening with Spaceship. Yes, not because
Speaker 2: it was a bad asset class, so don't get too stressed,
Speaker 2: but it was actually around ASSEK cracking down on their marketing.
Speaker 2: So basically they were saying that this product was suitable
Speaker 2: for a demographic that it potentially wasn't suitable for, and
Speaker 2: ASCIK will like, until you fix your marketing and can
Speaker 2: be clear on who your product is for what it does,
Speaker 2: you can't have any new clients, and I feel like
Speaker 2: that's scary. Nonetheless, but to me having that, I guess
Speaker 2: nuance makes me feel so much more comfortable because I go, okay, well,
Speaker 2: at least it's not because it was a bad investment,
Speaker 2: like or it was terrible, but I totally get it,
Speaker 2: and like it sounds like you're kind of I don't know,
Speaker 2: is the word glowing up financially? Like going from a
Speaker 2: micro investing platform to Vanguard kind of makes sense if
Speaker 2: you're going to start really taking investing seriously and you're
Speaker 2: going to your first full time income Like that makes sense.
Speaker 2: I like it. So tell me a little bit more
Speaker 2: about debt. Did you end up going into debt for
Speaker 2: any of this? Do you carry any debt? What's your hex?
Speaker 2: Look like? Tell me all the pervy deets.
Speaker 4: So I just have my HEX which is forty thousand
Speaker 4: dollars but no other debts.
Speaker 2: Forty K for pharmacy. That's pretty good, yeah, I think so. Yeah,
Speaker 2: are you planning on doing anything more in the future
Speaker 2: when it comes to study or you're like no, no, no,
Speaker 2: being a pharmacist fiel End or like I'm there.
Speaker 5: So I'll probably do not studying with UNI, but I'll
Speaker 5: do a course for compounding and probably going to like
Speaker 5: home medication review pharmacy, which is another course that you do.
Speaker 5: It's through the Pharmacy Guild.
Speaker 2: Yeah, what does that mean for your income? Because I
Speaker 2: have been not well recently. I've had the worst perioral
Speaker 2: dermatitis in the entire world, and I have had to
Speaker 2: be going to compounding pharmacies to get all of my
Speaker 2: like creams and stuff mixed up. And like it's crazy
Speaker 2: one how expensive they are, but like that's niche. You're
Speaker 2: going to get paid more.
Speaker 4: Yeah you do, so actually work in a compound, and
Speaker 4: do I get the same thing as what you do
Speaker 4: the perioral don't get pregnant.
Speaker 2: If you get pregnant, it gets six million times worse.
Speaker 2: I will send you a photo of what my face
Speaker 2: looked like when I was eight weeks pregnant, and you'll
Speaker 2: be like, did you get burnt in a fire?
Speaker 4: Yep, you's just seen last year. I was like covered
Speaker 4: in it all over my face. It was crazy stress.
Speaker 2: I'm not surprised, my friend.
Speaker 4: But yeah, with compounding, you can get paid more because
Speaker 4: you've got more skills. Less people can do it. So
Speaker 4: farmacists don't get paid by the PBS at all. Wild
Speaker 4: I know, crazy, Like not even for the vaccinations, Like
Speaker 4: if you do vaccinations, it goes to the pharmacy owner.
Speaker 2: No, it does.
Speaker 4: It's up to the pharmacy owner to decide whether they
Speaker 4: give you bonuses for it. No spicy, it's BS A
Speaker 4: lot of the stuff that pharmacists do, it's wage based
Speaker 4: rather than like something like that doctors not do, where
Speaker 4: they get it paid straight from PBS into the accounts.
Speaker 5: As well like extras.
Speaker 4: Wow, if you do like the home medications reviews. So
Speaker 4: that's why you actually will get your own provide a
Speaker 4: number finally, and then you can get reimbursed by the
Speaker 4: PBS and get extra money for that on top of it.
Speaker 2: Oh cool.
Speaker 4: I can't remember off the top of my head how
Speaker 4: much it is, but it is significant amount.
Speaker 2: Yeah, how cool? Oh my gosh. And is that something
Speaker 2: that you also have to negotiate or is that something
Speaker 2: where it's kind of like you do this and then
Speaker 2: it's just a given that that's the I guess payment structure.
Speaker 4: Yeah, so just the payment structure.
Speaker 2: How fun. I feel like that would be really really interesting.
Speaker 2: All right. I want to know next, As we said before,
Speaker 2: like you have absolutely been through the wars financially over
Speaker 2: the last few months. So I have a sneaky suspicion
Speaker 2: that you're probably gonna have some really good money habits
Speaker 2: to share with us. What do you think is your best.
Speaker 4: Well, I think I'm like super determined, Like once I
Speaker 4: set my mind, I'm really good at getting it. And
Speaker 4: then I'm always looking for like a way to like
Speaker 4: save money, so like everything I buy from my clothes
Speaker 4: to like furnish out, it's like marketplace or like always
Speaker 4: on clearance, like absolute final sales. And then like what
Speaker 4: I was doing for a while was like I would
Speaker 4: get you know, like the food box of calor Fresh and.
Speaker 2: Like oh yeah, yeah, yeah, yeah, I'm obsessed with Marley Spoon.
Speaker 2: You obviously don't follow me. I make my husband cook
Speaker 2: it for me most weeks.
Speaker 4: Yeah, that's how I feeld Mally's Frihinded.
Speaker 2: Ah, yeah, I love that.
Speaker 4: But I would do like the huge discounts, and I
Speaker 4: just do that cancel or switch them because the moment
Speaker 4: you cancels switch are like offer you more.
Speaker 2: One hundred percent. I've got a couple of friends who
Speaker 2: do that. Like I'm committed to Mark honestly, not just
Speaker 2: because I have a partnership with them, but because I
Speaker 2: just like the food better. Like I'm a picky eater
Speaker 2: at best, and I feel like some of the other
Speaker 2: food boxes are more like not bad, like all of
Speaker 2: the stuff in them is good, but like Hollow Fresh,
Speaker 2: for example, is more like a meat and three veged
Speaker 2: kind of vibe. And like, I'm not a meeting three
Speaker 2: veged kind of gal. I want my like crusted tofu,
Speaker 2: you know, so like Marley is my vibe. But that
Speaker 2: is okay. But I've got a couple of girlfriends who
Speaker 2: like kind of go. I don't know if Marley You'll
Speaker 2: be happy with me saying this that y'llaw it's my podcast.
Speaker 2: They like get Marley Spoon. They do the like intro
Speaker 2: that I give them because obviously I get a good discount.
Speaker 2: He's like two hundred and twenty five dollars off or something,
Speaker 2: so that's a money win. And then when they're done
Speaker 2: with that, they go to Hollowfresh, and they're done with that,
Speaker 2: they go to Dinnery, and then when they're done with that,
Speaker 2: they go somewhere else. And I'm just like geniuses, Like
Speaker 2: you must be saving so much. It's like credit card
Speaker 2: point hacking, Like I wish I could do it. I
Speaker 2: just don't have the brain capacity.
Speaker 4: But the one thing I'm doing as because it kind
Speaker 4: of got sick of doing the food boxes because it
Speaker 4: was kind of like the same ver shoables over and over.
Speaker 4: So right now we've got like a fruit and box
Speaker 4: delivery and it's like once they get rejected by like.
Speaker 2: Supermarkets, ooh what's it called.
Speaker 4: It's cool good and fugly good and fugly.
Speaker 2: Oh my gosh, I love that bread.
Speaker 4: Yeah, they're so fun. I love them.
Speaker 5: And we get like eight kilos of fruit and veg
Speaker 5: and it lasts the majority of the week.
Speaker 2: Eight kilos is so much. Yeah, you get how much
Speaker 2: does it cost you forty dollars forty bucks for eight
Speaker 2: kilos of produce? Okay, that's the money win.
Speaker 4: It's really good, and you like don't get to really
Speaker 4: choose what you get, so it makes you try different
Speaker 4: things and make things stretch, and like, you know, you've
Speaker 4: got all this stuff, so you've got to use it up.
Speaker 4: So it's like a really big money stay because otherwise
Speaker 4: I spend too much money on takeaway.
Speaker 2: Well one hundred percent. And it kind of makes you
Speaker 2: be a little bit creative and I'm assuming, like if
Speaker 2: a recipe calls for broccoli and they're like, ah, well,
Speaker 2: we haven't sent you brocoli, but we've got this other
Speaker 2: round in vegetable you're like, yeah, you can go in
Speaker 2: that recipe.
Speaker 4: She'll be right, that's one hundred percent. And like we
Speaker 4: kind of have to sufflement, like you don't always get
Speaker 4: like onions or like the stuff that you want, but
Speaker 4: that's okay.
Speaker 2: You can pop to the supermarket like people put brown
Speaker 2: onions through self checkout all those times. So you're always
Speaker 2: looking to save. And I feel like that good and
Speaker 2: fugly They've got a pretty good free shout out on
Speaker 2: the pod. But that sounds really cool, like really cool.
Speaker 2: What is your best money saving tip? I suppose obviously
Speaker 2: this like food box thing that like have you had
Speaker 2: a really big win that you're like, oh, this one's
Speaker 2: real cool.
Speaker 4: I can't look at the money in my paycheck when
Speaker 4: it comes in. I have like all satain, so like
Speaker 4: at the moment my money comes in, I transfer like
Speaker 4: my rent into a whole different bank account, so we
Speaker 4: can't look at it. We don't know what that is.
Speaker 4: It's the rents and moving fun can't cutch it. If
Speaker 4: I don't know what it is, I can't see it. Yeah,
Speaker 4: and then like it also like Divvy's up like all
Speaker 4: my savers, so like that's the best thing because otherwise.
Speaker 2: I just tap and I'm like, oh yeah, I love it.
Speaker 2: I feel like lots of people in the shees on
Speaker 2: the money community are obsessed with up because you can
Speaker 2: just like divvy things up into lots of different savers
Speaker 2: without actually opening lots of different bank accounts, and that
Speaker 2: just like makes sense, right, So let's flip the narrative, like,
Speaker 2: you're really good at grocery shopping and making things stretch
Speaker 2: and saving. But what are you not so good at?
Speaker 2: What's your worst money habit?
Speaker 5: I have such a twistable arm, Like if my friend's like,
Speaker 5: let's go out, okay, actually, no please, and I'm.
Speaker 2: Like, okay, you're just social. That's a good personality, tray.
Speaker 4: Oh actually, this is my favorite money hack. You wear
Speaker 4: like cargo pants or like something pockets.
Speaker 5: You fill up the little sachets of vodka and.
Speaker 4: Then you take that out and then you only buy
Speaker 4: soft drink except when you run out, and then you're like, oh.
Speaker 2: Buy more, yep, nope, I love it, you do you boo.
Speaker 2: I feel like the Victoria divine equivalent is I always
Speaker 2: have Musley bars in my handbag because I'm like, I'm
Speaker 2: not buying cheat like snacks because like snacks are expensive.
Speaker 2: We're gonna have a musli bar before we go to
Speaker 2: the restaurant so that you don't over order. Victoria like
Speaker 2: keeping Uncle Toby's apri cop musley bars in business? Are
Speaker 2: they the best?
Speaker 1: No?
Speaker 2: Do they feel me? Yes? They do the job. So
Speaker 2: she's got cargo pants for her cheeky vodka. She has
Speaker 2: an arm that's easily able to be twisted. Is that
Speaker 2: because you're super social? Do you find that you spend
Speaker 2: a lot if you're going out?
Speaker 4: Yes, I do spend a lot, and like I'll find, like,
Speaker 4: especially after a few drinks, like I will look at
Speaker 4: my account of like, oh, you know, like fee is
Speaker 4: not really due. I'll just take fifty dollars out of there.
Speaker 5: And it's like if I'm sober and ogul, but if
Speaker 5: I'm drunk, Like, oh.
Speaker 2: She's a different person when she's drunk. She's got an
Speaker 2: alter ego, and her alter ego is very good at
Speaker 2: spending money. No, well, I think that's relatable to talk
Speaker 2: to me about your grade. So we're nearly at the end.
Speaker 2: I feel like you have been through a roller coaster
Speaker 2: of a year. I'm so glad that your partner is
Speaker 2: on the mend and back at work Like that makes
Speaker 2: me feel so happy. I'm so glad that centlink back
Speaker 2: page you. It sounds like you set up all of
Speaker 2: your savers. You know, you're on top of your super
Speaker 2: You're three weeks away from being done with UNI, which
Speaker 2: is like the most exciting thing in the entire world.
Speaker 2: At the start of this episode, you graded yourself at B.
Speaker 2: Do you think that's still where you're sitting at? If so, why?
Speaker 2: But also I want to know what would it take
Speaker 2: to get you to an A.
Speaker 4: Yeah, I do still think it'd be I think I
Speaker 4: still kind of spend a little bit too much then
Speaker 4: I should for what I'm earning now.
Speaker 2: We don't need to buy cat food, remember, Yeah, But like.
Speaker 4: I feel like once I'm working full time and I
Speaker 4: can balance that and not like you know, lifestyle creep
Speaker 4: and you know, keep saving more, that's when I'll feel better, yeah,
Speaker 4: and more confident with that. And if I feel like
Speaker 4: I can translate that to the full time wage, then
Speaker 4: I will give myself an A hopefully.
Speaker 1: I love that.
Speaker 2: From my understanding of what you've just said, it's really
Speaker 2: about feeling confident, not necessarily changing habits too significantly, because
Speaker 2: once you have a full time wage. I promise if
Speaker 2: you keep the habit of your little vodka in your
Speaker 2: cargo pants like you'll be fun. Oh my gosh, money, Doris.
Speaker 2: I have adored having this conversation with you. As I
Speaker 2: said before, I'm so glad that your partner's on the
Speaker 2: mend and everything is on the way up. I'm so
Speaker 2: proud of you and what you've achieved and where you're going.
Speaker 2: But unfort that is all we have time for today.
Speaker 2: So thank you so much for sharing your story and
Speaker 2: being so open and being so vulnerable. I just know
Speaker 2: that so many people are going to learn so much
Speaker 2: from this. I think it's, you know, obviously a very
Speaker 2: good reminder to have a healthy emergency fund, but also
Speaker 2: just knowing that anything at any time can happen and
Speaker 2: kind of derail the plans. So I think you've taught
Speaker 2: a lot to our community, and I'm really grateful for that.
Speaker 4: So thank you, thank you, thank you for having me.
Speaker 2: The advice shared on She's on the Money is generally
Speaker 2: nature and does not consider your individual circumstances. She's on
Speaker 2: the Money exists purely for educational purposes and should not
Speaker 2: be relied upon to make an investment or financial decision.
Speaker 2: If you do choose to buy a financial product, read
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
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