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Speaker 1: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to another episode of She's on the

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Speaker 2: Money's Money Diaries, the money diary from millennials who want

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Speaker 2: to be a little bit more pervy. So this week

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Speaker 2: we are talking to a dead free side hustler and

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Speaker 2: Ryan and I HAPPI literally just finished the interview with her,

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Speaker 2: and I could not be more inspired by her story,

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Speaker 2: and I'm sure the same is going to be true

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Speaker 2: for you now. When she sent through an email to

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Speaker 2: be on the show, she actually sent what I would

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Speaker 2: call a minor thesis.

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Speaker 3: Well she called it an essay.

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Speaker 2: She called it an essay. It was very, very long.

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Speaker 2: So instead of getting Ryan to read that out for

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Speaker 2: you this week, we are just going to jump straight

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Speaker 2: into an interview and get her to explain her story

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Speaker 2: in her words for you. So let's jump straight in. Friends,

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Speaker 2: I know this is a goodie.

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Speaker 4: Do you want to describe your family's attitude to money

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Speaker 4: and what you learned about money growing up?

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Speaker 5: Money was never a topic growing up. I just knew

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Speaker 5: we never had much money. I know when I was younger.

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Speaker 5: I'm the oldest, so when I was younger, I know

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Speaker 5: we had like a lot of money issues, and I

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Speaker 5: just remember that from like occasionally we had to get

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Speaker 5: food boxes from like the Selbos or you know that

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Speaker 5: sort of stuff, the Red Cross whatever it is. And yeah,

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Speaker 5: my parents were like never great with money. They never

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Speaker 5: talked about it. But essentially I just had no money education.

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Speaker 5: I just knew we didn't have much money, and I

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Speaker 5: had no idea about money.

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Speaker 4: So with that background, if we fast forward a few

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Speaker 4: years to the point where I believe your partner lost

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Speaker 4: his job and all of a sudden, you guys end

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Speaker 4: up in a whole bunch of debt.

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Speaker 3: Tell me about where you were.

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Speaker 6: Oh, it was extremely stressful.

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Speaker 5: We were fairly new into a relationship, and it was

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Speaker 5: extremely daunting having to take on that stress of obviously

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Speaker 5: my partner losing his job and then him having to

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Speaker 5: sell his apartment because he couldn't cover the mortgage anymore.

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Speaker 5: I was also severely in debt myself for very stupid reasons.

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Speaker 3: And how old are you at this stage?

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Speaker 5: Back then, I was like twenty one two. Yeah, yeah,

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Speaker 5: my partner is a couple of years older. But it

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Speaker 5: was there was about three or four years there that

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Speaker 5: were like extremely stressful with money, and all we did

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Speaker 5: was argue about money, and it was a really hard time.

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Speaker 4: So yeah, so we know now that you found you know,

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Speaker 4: the debt free community and you've really changed you around.

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Speaker 4: Can you remember this one moment where you thought that's it,

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Speaker 4: I'm going to go pick up a book, or I'm done,

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Speaker 4: or I needed. Something's got to give, something's got to change.

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Speaker 4: What was the yeah, that final straw?

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Speaker 3: I guess.

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Speaker 5: I think I was in quite a positive headspace with

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Speaker 5: money for a little while, like in terms of wanting

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Speaker 5: to do better with money, but we just couldn't cut it,

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Speaker 5: like couldn't cut a brake. And then eventually when we

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Speaker 5: did get our break, which was my partner finding full

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Speaker 5: time work again and we moved States, that was the

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Speaker 5: moment where I was like, Okay, let's get our butts

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Speaker 5: into gear. We've been given this sort of ticket to

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Speaker 5: get ourselves out of trouble financially, so I like, we

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Speaker 5: might as well grab it by the horns and really

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Speaker 5: focus on getting out of debt and getting ourselves back

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Speaker 5: into a better financial situation because for years we had

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Speaker 5: struggled with you know, not being able to do social

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Speaker 5: things like obviously like defaulting on our credit reports. Yeah,

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Speaker 5: like pretty much everything that was bad happened to us

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Speaker 5: with money.

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Speaker 6: So yeah, and.

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Speaker 4: What was your first sort of point of call in

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Speaker 4: terms of, you know, teaching yourself stuff. You said that

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Speaker 4: you'd recently found our podcast and you've binged it.

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Speaker 3: But what else did you.

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Speaker 4: Find, either in terms of you know, education or just

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Speaker 4: online communities. What were the things that you found that

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Speaker 4: were quite helpful?

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Speaker 6: So I think my first introduction.

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Speaker 5: To it all was I don't know, I think maybe

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Speaker 5: just doing some googling, and then I found through Instagram

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Speaker 5: a lot of like budget accounts and debt free accounts,

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Speaker 5: and I was like, whoa, this is cool, Like there's

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Speaker 5: a whole little society and yeah, yeah, yeah, I didn't

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Speaker 5: know existed. And so firstly I was like using that

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Speaker 5: for tips and like using people's budgeting templates and that

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Speaker 5: sort of stuff.

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Speaker 6: And then from there it kind of through.

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Speaker 5: There was a couple of people who, you know, as

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Speaker 5: you'd know within that community, there's a few like cult following,

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Speaker 5: you know, with people that have done different totally different

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Speaker 5: YouTube channels and that sort of stuff. So I just

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Speaker 5: sort of kept reading and watching, and what started within

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Speaker 5: the Instagram community really grew into a massive passion for

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Speaker 5: me and just wanting to learn and consume as much

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Speaker 5: knowledge as possible about money. So cool.

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Speaker 6: Yeah, so like.

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Speaker 2: Not going through it, but that's so cool that you've

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Speaker 2: gone through this journey and I can feel it in

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Speaker 2: your voice that you're speaking so honestly about it. And

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Speaker 2: one of the questions that I have that I think

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Speaker 2: is really important to bring up here actually, and it's

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Speaker 2: not related to my usual interview money dire questions, but

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Speaker 2: throughout that period, how was your mental health?

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Speaker 6: Oh? So bad.

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Speaker 5: I'm quite open and honest about my mental health issues.

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Speaker 5: I've struggled with depression anxiety for a number of years,

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Speaker 5: and that was definitely amplified during those difficult times when

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Speaker 5: you're in such a negative place financially, especially because it's

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Speaker 5: such a taboo topic for people, you know, I think

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Speaker 5: it really hits some people in the ego and they

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Speaker 5: feel ashamed to talk about when they're struggling with money.

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Speaker 5: So yeah, it's really a really negative place to be in,

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Speaker 5: and I don't think that gets spoken about enough.

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Speaker 6: It can really destroy people.

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Speaker 2: Yeah, absolutely, And that's just kind of what we're sitting

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Speaker 2: in the back of my mind as you were speaking

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Speaker 2: through that, because it just compounds mental health. So like

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Speaker 2: if you're prone to it, it amplifies it. If you

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Speaker 2: you know, haven't had mental health issues before and now

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Speaker 2: you're going through pretty significant financial you know, disadvantage, you

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Speaker 2: start to develop these you know, mental health issues, and

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Speaker 2: it just is not fair, Like, and I think that

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Speaker 2: we don't talk about it enough. We don't talk about

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Speaker 2: the relationship between money and mental health nearly enough. And

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Speaker 2: I think that's something that with Shees on the Money,

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Speaker 2: we're always talking about and trying to get people to

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Speaker 2: see that these things are so closely related. And if

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Speaker 2: you can sort money out in someone's family, you can

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Speaker 2: have such a big impact. It's not just about putting

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Speaker 2: food on the table, albeit that's so important. It's about

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Speaker 2: mental health, the mental health of your kids, the relationships

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Speaker 2: you have, the way you interact in those relationships every

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Speaker 2: single day is impacted by your money story. And it

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Speaker 2: just so powerful.

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Speaker 5: Yeah, one hundred percent. And that's the thing, Like, when

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Speaker 5: it comes down to like the basics, you really can't

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Speaker 5: survive without money, Like, and especially in this day and age,

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Speaker 5: like everything is based around money and what you can afford,

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Speaker 5: and if you're drowning in debt, and all that sort

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Speaker 5: of stuff.

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Speaker 6: So, yeah, I think it's so.

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Speaker 5: Important having a good money and mental health balance because

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Speaker 5: they both affect each other absolutely.

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Speaker 4: So you eventually start paying off this debt, you get

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Speaker 4: back to you know, almost even, and tell me about

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Speaker 4: and this is where it starts getting fun.

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Speaker 3: And I was like, this sounds so cool.

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Speaker 4: You're pregnant with the child and you know you become parents,

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Speaker 4: but you decide, nah, that doesn't mean I'm not going

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Speaker 4: to keep working, so you start snooping around on Air Tasker,

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Speaker 4: So tell me about that.

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Speaker 5: Yes, So when I we just we got out of

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Speaker 5: debt a month after our son was born.

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Speaker 6: That was like our goal of wanting to have a baby.

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Speaker 3: Yeah yeah, how good is that?

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Speaker 2: How good?

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Speaker 5: I'm in my late thirties and we've sort of made

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Speaker 5: that decision of no, we want we want to have

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Speaker 5: a baby sooner than later, so we'll like, let's get

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Speaker 5: pregnant and then pay off our debt. And thank god

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Speaker 5: we got it done. Anyway, Yes, Air Tasker. When I

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Speaker 5: went on maternity leave, I was at home. This was

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Speaker 5: before like payments start and stuff like that. I were

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Speaker 5: sitting at home all the time, heavily pregnant, and I'm like,

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Speaker 5: I surely there's something I can do with my time

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Speaker 5: besides watching trash TV every day.

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Speaker 3: So just for.

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Speaker 4: People that don't know, can you just quickly in a

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Speaker 4: sentence just describe what air tasker is in general if

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Speaker 4: people haven't.

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Speaker 3: Heard of it.

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Speaker 5: So, air Tasker is essentially an online platform.

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Speaker 6: Where you can.

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Speaker 5: Offer your services or request other people's services, and then

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Speaker 5: you kind of like bargain with other people and then

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Speaker 5: people select you or you select people based off you know,

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Speaker 5: experience their offer, that sort of stuff reviews. So yeah,

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Speaker 5: air Tasker, I was working as someone offering my services.

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Speaker 3: And what were you offering?

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Speaker 5: I was offering. I've got a history in like design

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Speaker 5: and stuff like that. I never worked professionally in design.

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Speaker 5: It's what I wanted to do when I graduated from school,

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Speaker 5: but I flunked and.

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Speaker 6: Never did it. But I started offering graphic.

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Speaker 5: Design services and like online administration services so like transcribing

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Speaker 5: data entry, that sort of stuff.

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Speaker 6: Yep.

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Speaker 4: Yeah, And there is really no job too small for

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Speaker 4: air task stuff like smart I've seen stuff that it's like, oh,

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Speaker 4: I've got a word document, can you like save it

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Speaker 4: to a pea?

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Speaker 3: That like really small obsw stuff like that. People like

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Speaker 3: I don't know how to do it, I'll pay you

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Speaker 3: four dollars. I've got one hundred of them.

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Speaker 6: You're like, okay, I one of those jobs before.

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Speaker 5: It's like they just don't have the program or the

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Speaker 5: knowledge to do it, and they'll pay you twenty bucks

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Speaker 5: to do it.

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Speaker 2: What shocks me most about that is they've had the

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Speaker 2: technology ability to download the app and post it. Yeah,

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Speaker 2: pick it out task, but they can't just go file

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Speaker 2: say that as Adobe.

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Speaker 6: Yeah, that's it.

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Speaker 2: I'm going to just not share how to though, because

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Speaker 2: I want to keep you in the job, my friends.

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Speaker 4: Yeah, you can make a really good YouTube video, Victoria.

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Speaker 4: That's just here's how to save a document to a PDF,

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Speaker 4: and you would wipe out a whole industry.

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Speaker 6: Sorry, please do not.

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Speaker 3: So what kind of money can you earn?

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Speaker 4: Obviously it's you know, the more hours you spend, the

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Speaker 4: more you can get. But how much were you sort

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Speaker 4: of earning? Keeping in mind, you know you are pregnant

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Speaker 4: and trying to keep some kind of calm in your life.

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Speaker 6: So it's important to know that air tasker do take

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Speaker 6: out a feed?

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Speaker 2: Oh what's that fee?

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Speaker 5: So say, if someone wants to pay you to do

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Speaker 5: a graphic design job for one hundred dollars, and you

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Speaker 5: accept that one hundred dollar job, you may only get

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Speaker 5: paid like eighty dollars because Air Tasker will take a fee.

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Speaker 6: Oh wow, yeah that's an estimate. An estimate.

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Speaker 5: It may not be that exactly, but yeah, at the start,

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Speaker 5: I wasn't making much money because you kind of have

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Speaker 5: to build up you know, like a profile and examples

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Speaker 5: and reviews and you know, star ratings and stuff. But

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Speaker 5: I think within that financial year, I think I made

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Speaker 5: maybe like three grand on air Tasker.

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Speaker 2: That's pretty good for sitting at home watching trash tea

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Speaker 2: and waiting to have a baby.

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Speaker 5: I okay, yes, yeah that's it. Yeah, so it's it's

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Speaker 5: a good little earner. But I think the important thing

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Speaker 5: is Air Tasker led me to doing what I currently.

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Speaker 6: Do, which is what my friend I now.

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Speaker 5: Work as a freelance designer for a design studio in Brisbane.

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Speaker 3: Oh my gosh, how cool you use the word flunk Before,

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Speaker 3: like in high school, I wanted to do this.

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Speaker 2: Now now you're like, and you're not employed doing it.

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Speaker 2: You're a freelance and doing it so you've got your

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Speaker 2: own hustle.

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Speaker 6: What how cool is that?

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Speaker 2: So you've gone from being like, oh I love this.

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Speaker 2: I cannot tell you how excited I am about your

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Speaker 2: money story. So you've gone from just having like not

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Speaker 2: great attitude towards money, not really learning about it growing up,

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Speaker 2: you know, being in some pretty significant debt, having super

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Speaker 2: stressful years, to being like a kid lass mum who

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Speaker 2: is debt free and runs your own truck.

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Speaker 6: That's it.

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Speaker 2: If that's not inspiring, I I don't know what it is.

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Speaker 5: Yeah, And then I've still I've got a couple of

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Speaker 5: other side hustles there as well.

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Speaker 2: Of course she does what are they?

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Speaker 5: So I've got the freelance job. Then I also do

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Speaker 5: a because my backgrounds in cleaning. I worked in housekeeping

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Speaker 5: for like ten years up until I had my baby,

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Speaker 5: and I now do a local clean for an airbnb

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Speaker 5: for a local mum. So that's anywhere from like three

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Speaker 5: times a week to a couple of times a month,

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Speaker 5: which is just a little bit of extra pocket money.

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Speaker 5: And then I also do reselling at markets, So I

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Speaker 5: do seasonal markets where I resell old clothes of mine

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Speaker 5: or like really cool vintage lines that I pick up.

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Speaker 5: That's another little earner.

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Speaker 4: Yeah, so, and what's your attitude with having a consistent

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Speaker 4: income versus, you know, keeping it a bit varied and

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Speaker 4: having different things on the go, Because does that make

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Speaker 4: it mentally stressful or maybe it's mentally stimulating because you're

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Speaker 4: doing lots of different things and going to different places.

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Speaker 3: Where do you find the balance of those?

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Speaker 5: I think because I'm not solely relying on this on

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Speaker 5: my income to get us by, Like, it's important to

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Speaker 5: note my partner does work in construction and he sits

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Speaker 5: on a salary.

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Speaker 6: I think he's in a fourth year apprentice now, so.

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Speaker 5: His salary is around maybe seven year eighty thousand, So

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Speaker 5: that's still a consistent income for us. So yeah, my

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Speaker 5: varied freelancing, soul tradeer work is more so just pocket

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Speaker 5: money and extra savings.

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Speaker 4: And I know the answer to this because you told

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Speaker 4: me in the email. But for Victoria, you went from

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Speaker 4: being in debt and paying the debt off and then

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Speaker 4: I believe any extra money you made from this kind

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Speaker 4: of stuff you saved and started investing.

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Speaker 3: Where were you at at the moment?

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Speaker 6: Yeah, so I thoughtfolios. I think maybe just under twenty

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Speaker 6: thousand dollars my gosh, yes, yeah, oh, good.

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Speaker 2: I want to get a little bit paid. So you

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Speaker 2: mentioned your partner's income before. What are you earning at

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Speaker 2: the moment?

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Speaker 5: I my estimate for this financial year is probably around

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Speaker 5: thirty thousand. It's not huge, but a portion of that

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Speaker 5: is also job keeper. So I was very, very lucky

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Speaker 5: when COVID hit that because I was still employed with

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Speaker 5: my previous employers, I did get job keeper on the

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Speaker 5: part time basis scale.

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Speaker 2: That is awesome. Yeah, you're saying like that's not as good,

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Speaker 2: but that is epic given how much you've managed to

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Speaker 2: save and invest, like that is such an accomplishment. Like

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Speaker 2: I'm just looking at this going wow, Like I have

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Speaker 2: so many questions between you and your partner. How much

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Speaker 2: money sitting in your bank account right now?

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Speaker 5: We have twenty seven thousand in our house was it fund?

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Speaker 5: I've got five hundred in my business account. We've got

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Speaker 5: roughly a thousand within our saving spending account sorry our

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Speaker 5: spending's accounts. Oh, we've got our emergency fund, but it's

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Speaker 5: depleted at the moment, which.

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Speaker 2: Kind of makes sense given the current economic crisis, which

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Speaker 2: is nice. And how do you how do you feel

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Speaker 2: when making decisions around money nowadays? Like having been through

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Speaker 2: such a stressful time, especially during COVID. How did that

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Speaker 2: make you, guys feel?

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Speaker 5: It sounds funny, but like whenever we get paid every

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Speaker 5: week and I'm like moving all of our money around

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Speaker 5: our accounts, I kind of feel empowered because it's not.

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Speaker 3: Like, yeah, totally feel that.

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Speaker 5: I don't have to sit down in front of a

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Speaker 5: spreadsheet anymore, where I'm like really looking into how we're

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Speaker 5: budgeting and like where the bills are getting paid, and

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Speaker 5: like what we might have to push back and that

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Speaker 5: sort of stuff. Like now I can just sit down

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Speaker 5: and go, Okay, we pay the same amount into every

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Speaker 5: single account every single week, same amount for bills comes

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Speaker 5: out every single week, and like it just feels really good.

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Speaker 2: I love that. You must be so proud of yourself.

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Speaker 5: Yeah, I kind of like, I'm kind of yeah.

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Speaker 2: We'll have more questions with our money. Diris coming up next.

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Speaker 2: What other money habits do you have that.

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Speaker 5: You're especially proud of the fact that I think our

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Speaker 5: finances are so streamlined and we don't have to think

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Speaker 5: about it much anymore.

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Speaker 6: I'm also pretty good. I go through phases.

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Speaker 5: I've got to admit sometimes like some days a wake

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Speaker 5: up and I'll be like, all right, I'm going to

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Speaker 5: Target and I'm probably just going to spend one hundred

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Speaker 5: bucks at Target.

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Speaker 6: But we have we have, yeah, everybody.

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Speaker 5: But I feel like I'm very good at putting time

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Speaker 5: between my purchases.

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Speaker 6: Yes, I'm also.

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Speaker 5: Is it Jessica that's the one that thinks she can

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Speaker 5: manifest anything in face?

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Speaker 2: But that's yess that is actually.

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Speaker 5: I'm one hundred percent on that.

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Speaker 6: Yeah, I'm really blameless.

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Speaker 3: To me, what you just imagine something's going to appear.

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Speaker 2: On but you're not listening to her.

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Speaker 3: You were on the show.

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Speaker 4: But I want to hear someone else say this, because

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Speaker 4: when I heard it, I was like, this sounds like

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Speaker 4: something just is.

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Speaker 2: Just made up of No, jess didn't make it up.

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Speaker 3: It's a thing money direct, tell it back to me.

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Speaker 6: Manifesting. Manifesting is one hundred percent a thing.

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Speaker 5: Like to give you an example, I had to set

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Speaker 5: up like a little home business like home study for

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Speaker 5: myself a few weeks ago. I ended up getting a

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Speaker 5: free desk, a free desk chair. I got a brand

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Speaker 5: new computer monitor for like eighty dollars and it was

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Speaker 5: like three.

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Speaker 6: Hundred and fifty.

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Speaker 5: I think, so, yeah, you just got to manifest put

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Speaker 5: those vibes out there.

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Speaker 4: So we talked about earning extra bits of money from

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Speaker 4: all the different side hustles and air task of stuff.

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Speaker 4: Do you think also not earning more but spending less

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Speaker 4: by doing this and the manifesting and finding those little bargains,

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Speaker 4: that's just as big as contributor as the earning has

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Speaker 4: been to get where you are.

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Speaker 5: One hundred percent, Like for us, where you didn't get

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Speaker 5: out of debt by earning a high income. We got

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Speaker 5: out of debt by spending less, budgeting better and like, yeah,

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Speaker 5: trying to hustle and find like cheaper goods and stuff

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Speaker 5: like that.

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Speaker 4: Can I just put an exclamation mark right here because

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Speaker 4: we know and from Victoria's there's a lot of people

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Speaker 4: that earn a lot of money and are broke, and

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Speaker 4: there's a lot of people that don't earn that much,

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Speaker 4: you know, in inverted commas, but are really savvy and

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Speaker 4: they're smart with it, and they're by far better off

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Speaker 4: than the people with the high income. So if a

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Speaker 4: lot of people are in a bit of a tough

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Speaker 4: spot or they think, oh, my industry doesn't actually pay

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Speaker 4: that well, well, I mean sure in theory it helps

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Speaker 4: to earn a lot more, but it's not actually a

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Speaker 4: huge factor.

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Speaker 3: It is genuinely what you do with it.

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Speaker 2: Yeah, absolute, it's not what you make. It's what you're

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Speaker 2: contributing towards debt reduction and all of the other things

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Speaker 2: around it. And there are so many people in our

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Speaker 2: community at the moment that are in the position that

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Speaker 2: you were a couple of years ago, and it's so

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Speaker 2: hard to see the light at the end of the

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Speaker 2: tunnel when you are in it, like when you're in

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Speaker 2: the trenches and you just wake up every day and

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Speaker 2: remember that that's the situation, and it just feels all overwhelming.

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Speaker 2: So to past you and to our community members who

400
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Speaker 2: are currently in this situation, what would you say to them?

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Speaker 6: Just like, stick to your guns.

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Speaker 5: I feel like if you're on a lower income, like

403
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Speaker 5: I've worked in housekeeping for ten years, that's not a

404
00:20:39,720 --> 00:20:44,960
Speaker 5: high income, it might take longer, but you just have

405
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Speaker 5: to persevere. Because I constantly got stuck in that trap

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Speaker 5: of I'm not getting anywhere with paying this debt off,

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Speaker 5: and then I'd create more debt because I'd give in

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Speaker 5: on myself. So yeah, I think it's just, yeah, you

409
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Speaker 5: really got to persevere. Yeah, absolutely, It just takes a

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Speaker 5: little bit of a longer time, but you'll get there,

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Speaker 5: and once you get there, it's like you won't even

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Speaker 5: know yourself once you get there.

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Speaker 2: What is the one thing that you wish you'd found

414
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Speaker 2: earlier in this journey that could have helped you. Is

415
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Speaker 2: it a budgeting tool? Is it just believing in yourself?

416
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Speaker 2: Is it, you know, air tasker? Like, what's the one

417
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Speaker 2: thing you wish you know, when you were really in

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Speaker 2: the trenches of it, you wish you had.

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Speaker 6: It goes back even further than that.

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Speaker 5: I wish that like I got taught about money and

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Speaker 5: handling money when I was in school, Like that's what

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Speaker 5: it comes down to, I think, or even when I

423
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Speaker 5: freshly got out of school, like I just wish that

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Speaker 5: somebody grabbed me and was like, stop getting credit cards,

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Speaker 5: stop getting personal loans. But I think it's just I

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Speaker 5: don't think it's any particular thing. I just think it's

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Speaker 5: overall money, literacy, and education, because I feel like if

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Speaker 5: you have that education and understanding, you're less likely to

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Speaker 5: get yourself in like precarious situations with money.

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Speaker 2: I couldn't agree more. I absolutely couldn't agree more. And

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Speaker 2: hopefully with where she's on the money is going, we

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Speaker 2: will find our way and weasel our way into the

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Speaker 2: education system somehow. I'm putting it out to the universe,

434
00:22:17,359 --> 00:22:23,360
Speaker 2: my friend. Yeah, I'm going to manifest it. Yes, So

435
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Speaker 2: what are you currently saving for? What are your big

436
00:22:26,040 --> 00:22:28,880
Speaker 2: money goals? You mentioned before you had a home deposit account.

437
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Speaker 2: What are we looking forward to in the future.

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Speaker 5: Yeah, so our semi short term goal, I guess with

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Speaker 5: the house, we want to get a twenty percent deposit

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Speaker 5: for that, and we're hoping to get that within the

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Speaker 5: next two years or so.

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Speaker 6: For me personally, my biggest.

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Speaker 5: Goal, and this has been since the start, is creating

444
00:22:47,800 --> 00:22:51,720
Speaker 5: a passive income through my investments. So I want to

445
00:22:51,760 --> 00:22:56,159
Speaker 5: eventually one day be living off my dividends and stuff

446
00:22:56,200 --> 00:22:59,800
Speaker 5: like that. So that's like for me, that's more important than.

447
00:22:59,840 --> 00:23:03,160
Speaker 2: How So absolutely sounds like you are well.

448
00:23:03,280 --> 00:23:04,000
Speaker 3: Sounds familiar.

449
00:23:04,240 --> 00:23:07,640
Speaker 2: Yes, I don't know who else would have that goal.

450
00:23:10,520 --> 00:23:12,879
Speaker 2: So how would you rate yourself if I forced you

451
00:23:12,920 --> 00:23:14,639
Speaker 2: to give yourself a financial rating?

452
00:23:14,760 --> 00:23:18,560
Speaker 5: I feel like from where I've come to where we

453
00:23:18,600 --> 00:23:22,000
Speaker 5: are now, I would say in A I honestly think

454
00:23:22,040 --> 00:23:24,840
Speaker 5: the only thing holding me back from an A plus

455
00:23:25,080 --> 00:23:27,159
Speaker 5: is the fact that I am a little bit of

456
00:23:27,160 --> 00:23:31,800
Speaker 5: a gambler and sometimes I do take riskier options with

457
00:23:31,880 --> 00:23:33,119
Speaker 5: investing and stuff like that.

458
00:23:34,640 --> 00:23:37,040
Speaker 4: But so, do you mean gambling in terms of risky

459
00:23:37,119 --> 00:23:39,080
Speaker 4: investments or do you mean on the dogs?

460
00:23:40,160 --> 00:23:41,120
Speaker 6: I didn't bow.

461
00:23:43,480 --> 00:23:43,840
Speaker 3: Fair.

462
00:23:45,280 --> 00:23:48,520
Speaker 5: It's yeah, it's probably the same with shopping and that

463
00:23:48,560 --> 00:23:49,080
Speaker 5: sort of stuff.

464
00:23:49,119 --> 00:23:49,199
Speaker 6: Like.

465
00:23:49,240 --> 00:23:51,040
Speaker 5: I feel like sometimes I can be a little bit

466
00:23:51,040 --> 00:23:54,560
Speaker 5: irresponsible with money, and that's just an old habit I think.

467
00:23:54,800 --> 00:23:59,280
Speaker 5: But yeah, I feel like an a because I'm constantly

468
00:23:59,320 --> 00:24:04,120
Speaker 5: wanting to learn more and constantly wanting to set myself

469
00:24:04,160 --> 00:24:05,600
Speaker 5: and my family up for a better future.

470
00:24:05,800 --> 00:24:07,520
Speaker 6: So and I'm just so passionate about money.

471
00:24:08,200 --> 00:24:10,159
Speaker 2: So yeah, that is such a nice way to wrap it,

472
00:24:10,200 --> 00:24:13,200
Speaker 2: and I would absolutely agree with the A for yourself. Well,

473
00:24:13,240 --> 00:24:16,040
Speaker 2: thank you, so thanks so much for having a chat

474
00:24:16,080 --> 00:24:18,520
Speaker 2: with us today. I'm honestly so grateful to get this

475
00:24:18,600 --> 00:24:20,800
Speaker 2: story out there, and I know that there are going

476
00:24:20,840 --> 00:24:22,720
Speaker 2: to be so many people listening who are going to

477
00:24:22,760 --> 00:24:26,399
Speaker 2: be so inspired by your story. And yeah, you're killing

478
00:24:26,440 --> 00:24:28,480
Speaker 2: it and I am so glad that you are here.

479
00:24:28,560 --> 00:24:30,440
Speaker 6: Oh, thank you so much. That really means a lot.

480
00:24:31,920 --> 00:24:32,240
Speaker 3: Ryan.

481
00:24:32,600 --> 00:24:36,240
Speaker 2: That was literally one of the most inspiring money diaries

482
00:24:36,280 --> 00:24:37,479
Speaker 2: I think we've done today.

483
00:24:37,640 --> 00:24:38,240
Speaker 3: What a legend.

484
00:24:38,440 --> 00:24:41,159
Speaker 2: I actually am so proud of her, even though I

485
00:24:41,200 --> 00:24:41,720
Speaker 2: didn't do it.

486
00:24:41,840 --> 00:24:43,040
Speaker 3: Ye, you're impressed by her.

487
00:24:43,240 --> 00:24:46,560
Speaker 2: Yeah, I was very impressed by her. But unfortunately that

488
00:24:46,720 --> 00:24:49,320
Speaker 2: is all we have time for today. But before we

489
00:24:49,400 --> 00:24:51,560
Speaker 2: head off, we'd like to acknowledge and pay respects to

490
00:24:51,600 --> 00:24:55,960
Speaker 2: Australia's Aboriginal and Torres Strait Islander people's, the traditional custodians

491
00:24:55,960 --> 00:24:59,879
Speaker 2: of the lands, the waterways and the skies all across Australia.

492
00:25:00,000 --> 00:25:01,840
Speaker 2: Thank you for sharing and for caring on the land

493
00:25:01,880 --> 00:25:04,720
Speaker 2: which we are able to learn. We pay our respects

494
00:25:04,720 --> 00:25:07,240
Speaker 2: to elder's past and present, and we share our friendship

495
00:25:07,280 --> 00:25:10,920
Speaker 2: and our kindness now, friends, the advice shared on She's

496
00:25:10,960 --> 00:25:13,479
Speaker 2: on the Money is always general in nature and it

497
00:25:13,600 --> 00:25:16,800
Speaker 2: doesn't ever actually consider your personal circumstances. I am really

498
00:25:16,840 --> 00:25:19,600
Speaker 2: sorry about that. She's on the Money exists purely for

499
00:25:19,720 --> 00:25:22,359
Speaker 2: educational purposes and should not be relied upon to make

500
00:25:22,400 --> 00:25:25,119
Speaker 2: an investment or a financial decision. Now, I am still

501
00:25:25,160 --> 00:25:28,960
Speaker 2: actually an authorized representative of Australia Pacific Funds Management Proprietary

502
00:25:29,080 --> 00:25:31,840
Speaker 2: Limited ABN three four one three two four six three

503
00:25:31,880 --> 00:25:35,240
Speaker 2: two five seven AFSL three three nine one five one,

504
00:25:35,800 --> 00:25:38,280
Speaker 2: and as always, thank you so much to our producer

505
00:25:38,359 --> 00:25:41,560
Speaker 2: angels Beck and Ryan for pulling this all together.

506
00:25:42,520 --> 00:25:45,200
Speaker 4: If you yourself think you've got a great money diary

507
00:25:45,280 --> 00:25:47,720
Speaker 4: or money story to share, feel free to send me

508
00:25:47,760 --> 00:25:49,960
Speaker 4: an email Ryan dot John at She's on the money

509
00:25:50,000 --> 00:25:52,320
Speaker 4: dot com dotu. And I know a lot of people

510
00:25:52,400 --> 00:25:54,840
Speaker 4: love to share their great news, which is excellent, But

511
00:25:54,960 --> 00:25:57,640
Speaker 4: don't feel like you have to have finished your story.

512
00:25:57,720 --> 00:25:59,520
Speaker 3: You might be in the middle of the train wreck

513
00:25:59,600 --> 00:26:01,400
Speaker 3: right now. I would love that.

514
00:26:01,760 --> 00:26:03,640
Speaker 2: I would love to hear it. Like I don't love

515
00:26:03,680 --> 00:26:05,360
Speaker 2: that you're there, but I want to be a part

516
00:26:05,400 --> 00:26:07,439
Speaker 2: of that journey. And maybe we've got some tips or

517
00:26:07,440 --> 00:26:09,919
Speaker 2: tricks or you could inspire someone who's going through that

518
00:26:10,040 --> 00:26:11,119
Speaker 2: to know that they're not alone.

519
00:26:11,240 --> 00:26:12,880
Speaker 4: Yeah, and a lot of people message and say i'd

520
00:26:12,920 --> 00:26:14,720
Speaker 4: be great to hear some different pieces. And as you

521
00:26:14,720 --> 00:26:17,600
Speaker 4: can understand, people, you don't really want to shout from

522
00:26:17,600 --> 00:26:19,600
Speaker 4: the rooftops and you're in if you're in a bad spot,

523
00:26:19,640 --> 00:26:22,880
Speaker 4: but if you sort of flick the mindset and go, hey,

524
00:26:22,920 --> 00:26:24,960
Speaker 4: maybe these guys can help and get some advice. Maybe

525
00:26:24,960 --> 00:26:27,479
Speaker 4: people in a similar situation feel free to reach out.

526
00:26:27,560 --> 00:26:29,600
Speaker 4: And we'd love to have a chat so Ryan dot

527
00:26:29,680 --> 00:26:32,080
Speaker 4: John at She's on the money dot com dot are you. Also,

528
00:26:32,080 --> 00:26:34,040
Speaker 4: if you haven't already, check out the Facebook group there's

529
00:26:34,040 --> 00:26:34,919
Speaker 4: now one hundred.

530
00:26:34,640 --> 00:26:37,320
Speaker 3: And forty thousand people there.

531
00:26:37,440 --> 00:26:39,080
Speaker 4: Or jump on our Instagram as well. There's heaps of

532
00:26:39,119 --> 00:26:40,360
Speaker 4: great tips and stuff there as well.

533
00:26:40,720 --> 00:26:42,600
Speaker 3: Have a great weekend run. We'll chat to you on Wednesday,

534
00:26:42,840 --> 00:26:43,879
Speaker 3: so you were Wednesday.

535
00:26:43,960 --> 00:26:52,280
Speaker 2: Bye,