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Speaker 1: Hello, my name's Sanatasha Nabananga Bamblet. I'm a proud or

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Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money podcast that

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Speaker 4: lets you be pervy about other people's money habits for

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Speaker 4: educational purposes of course. Welcome back to Money Diaries, where

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Speaker 4: we get to talk with one of our incredible She's

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Speaker 4: on the Money community members all about their journey. So

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Speaker 4: let's jump straight in because this week I got a

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Speaker 4: message and it sounded like this, Dear, She's on the Money.

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Speaker 4: After finishing my degree and landing my first proper job,

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Speaker 4: life took an unexpected turn when the COVID lockdowns hit

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Speaker 4: in what felt like no time. I lost my job,

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Speaker 4: went through a breakup, and moved back in with my parents,

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Speaker 4: relying on job seeker to get by. Determined to make

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Speaker 4: the most of my situation, I turned my love of

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Speaker 4: op shopping into a side hustle. What started as a

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Speaker 4: small project has grown into a legitimate business. I even

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Speaker 4: pay tax on it. This hustle allowed me to pay

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Speaker 4: off my twenty five thousand dollars hec STET in one

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Speaker 4: lump sum, and I'm now on track to buying my

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Speaker 4: first home. I hope my story can inspire other side

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Speaker 4: hush us money diarist. What the hell you just go? Oh,

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Speaker 4: no worries. I think I'm just gonna turn my little

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Speaker 4: side hustle of you know, just going off shopping into

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Speaker 4: a legit business. How does that even happen?

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Speaker 5: Oh well, it happens over a period of time. Definitely

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Speaker 5: started during COVID lockdown, as I said in my submission,

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Speaker 5: and kind of just went from there.

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Speaker 4: I love that. So let's start the way we always start.

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Speaker 4: Money direst do I asked you to grade your money

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Speaker 4: habits from A through to F. What money grade would

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Speaker 4: you give them?

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Speaker 5: I would say, At the moment I'm probably sitting pretty

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Speaker 5: firmly at a b like, I'm pretty happy with how

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Speaker 5: I manage my money, but there's always room for improvement.

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Speaker 4: I guess I love that. Alright, let's get into it.

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Speaker 4: Can you tell me a little bit more about your

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Speaker 4: money story.

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Speaker 5: So I grew up very middle class, so my parents

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Speaker 5: had money, but we didn't have excessive money, and with

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Speaker 5: that they were able to give my sister and I

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Speaker 5: a really good childhood. So as a family, we prioritize

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Speaker 5: spending on things like lifestyle and experiences, so we'd go

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Speaker 5: on interstate or overseas holidays, spend money on extracurricular activities,

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Speaker 5: that kind of thing. But we didn't have a lot

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Speaker 5: of money for things like buying new clothes from the store.

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Speaker 5: So it was very much like we'd kind of prioritize

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Speaker 5: what was important to us, which is a really good

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Speaker 5: lesson to learn as a kid. Definitely, I've taken that

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Speaker 5: into adulthood. Learned a lot, I guess from my parents

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Speaker 5: in terms of money and how to prioritize our spending.

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Speaker 5: And as I said before, I had a really good childhood.

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Speaker 5: My sister and I got to do a lot of things,

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Speaker 5: and yeah, we used to do our clothes shopping at Savers.

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Speaker 4: Which I love Savers. Yeah, I know it's very povl.

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Speaker 5: Yeah, So when I was younger, I didn't love it.

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Speaker 5: I kind of was a bit like I'm not sure

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Speaker 5: if I'm allowed to say brands, but I'm like, why

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Speaker 5: can't we go to Target, you know, like everyone else does.

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Speaker 5: And then I think, just as I grew up a

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Speaker 5: bit more, I started to appreciate it a lot more

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Speaker 5: and appreciate the treasure hunt of it and find you.

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Speaker 4: Oh my gosh, exactly. I feel like I went through

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Speaker 4: that as well, because my mom still Savers Stan, like

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Speaker 4: the biggest Savers near us recently shut down, and she

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Speaker 4: was not a happy camper. She was like, what am

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Speaker 4: I gonna do? Like this is not fair? And I

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Speaker 4: remember going through a period of time and being like, oh,

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Speaker 4: why do we have to do this? And then it

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Speaker 4: was like Mom had reframed it into like we can

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Speaker 4: like go hunting for like some really cool stuff that

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Speaker 4: other people won't have, and like we used to I

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Speaker 4: don't know if you did this, but we used to

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Speaker 4: look up after like the average price of like what

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Speaker 4: we'd purchased when we got home and make Dad do

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Speaker 4: a guessing game and be like, guess how much, Dad,

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Speaker 4: guess how much and he'd be like, oh, fifteen dollars

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Speaker 4: and we'd be like nah, nah LEAs least less, Like

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Speaker 4: it was the best.

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Speaker 5: I literally do that still with my partner now, so

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Speaker 5: oh my gosh, me too.

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Speaker 4: If I get something, I'm like Steve, how much was this?

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Speaker 4: And You'll be like fifty dollars And I'm like, nah,

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Speaker 4: you're an idiot, Like you're an idiot. Of course I

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Speaker 4: didn't spend fifty dollars on that, Like it's actually a

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Speaker 4: game and if you've never done it, oh the joy,

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Speaker 4: the joy it brings.

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Speaker 2: I know.

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Speaker 5: So yeah, that was pretty much my childhood, I will

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Speaker 5: say as well for my parents we had in terms

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Speaker 5: of speaking about money in my household, my parents were

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Speaker 5: very encouraging with me, so whenever I kind of exhibited

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Speaker 5: good behaviors with money, like not spending it as soon

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Speaker 5: as I got it and saving up for something that

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Speaker 5: I really wanted. I remember when I was like seven

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Speaker 5: or eight, I really wanted a violin. I don't know

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Speaker 5: why I did it for like a few months, Oh.

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Speaker 4: You did play. I was like, this is rigue.

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Speaker 5: I wanted to play a violin, Like I don't know why.

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Speaker 5: I don't ask me now, like I have no idea why.

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Speaker 2: But back then I was like I.

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Speaker 4: Went through the flute stage. It's okay, exactly.

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Speaker 5: We all, you know, we all have those kind of stages.

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Speaker 5: So my parents, you know, were very much like encouraging

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Speaker 5: me to save and reinforcing that kind of identity of like, well,

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Speaker 5: you work hard for what you want, you're saving. So yeah,

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Speaker 5: I ended up buying that violin and it was like

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Speaker 5: one hundred and something dollars, which is a lot to

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Speaker 5: say when you're that age.

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Speaker 4: Oh one hundred percent. Did your parents end up helping

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Speaker 4: you out in any way or did they go, nah,

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Speaker 4: you've got to do the whole thing yourself.

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Speaker 5: I'm sure they did, but like it wasn't like I

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Speaker 5: said I wanted it and then they bought it for me.

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Speaker 5: It was very much like I think I started saving

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Speaker 5: pocket money or birthday money or something and like accruing

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Speaker 5: that and then they probably helped me with the last bit.

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Speaker 5: So it was very much like reinforcing this identity when

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Speaker 5: I was young, that like I'm good with money, and

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Speaker 5: that's carried on into adulthood. I think for me, which

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Speaker 5: I guess like I don't have kids myself, but for

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Speaker 5: people with kids, I think that's very important to start young,

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Speaker 5: like reinforcing those good behaviors.

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Speaker 4: Was that your first big purchase.

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Speaker 5: I would say, so, I can't remember anything else being

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Speaker 5: that expensive at that age.

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Speaker 2: Probably yeah, for.

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Speaker 4: Myself, and like memorable, right, membya exactly.

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Speaker 5: And the funny thing is, like I said before, once

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Speaker 5: I got it, probably like went to lessons for a

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Speaker 5: term or something, and then that was it.

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Speaker 4: You were done. You're like, this is actually really hard.

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Speaker 5: This isn't for me, Like it's very noisy and it's

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Speaker 5: kind of difficult to play it well. But yeah, I

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Speaker 5: think from that point onwards at least a kind of

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Speaker 5: rather than me getting a violin and getting to do,

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Speaker 5: you know, all the cool stuff that I wanted to do,

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Speaker 5: like learn how to play on it, it was more

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Speaker 5: a lesson in terms of, like, well, if I want

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Speaker 5: something that's you know, a bit pricey, I can save

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Speaker 5: up and be patient and get it.

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Speaker 4: That's so cool though. I also really love that your

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Speaker 4: parents were so supportive given listening to kids practice violin

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Speaker 4: sounds awful, Like I'm one hundred percent you know, unless

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Speaker 4: you are a child prodigy, which most of us are not. Like,

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Speaker 4: I can't imagine that being an enjoyable experience for anybody.

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Speaker 4: Like your parents really did one for the team there.

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Speaker 5: I rate it very supportive. Yeah, they were both great.

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Speaker 5: They are both great, sorry I should say, and yeah,

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Speaker 5: they're boths. So my mom, for example, she moved to

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Speaker 5: Australia with her first husband and he unfortunately passed away.

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Speaker 5: Oh yeah, when I think they were both around twenty

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Speaker 5: eight years old. So my mom had my half brother

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Speaker 5: and from that point on she basically was able to

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Speaker 5: you know, get a house by yourself here, get a mortgage,

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Speaker 5: working by yourself in a like foreign country. So she's

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Speaker 5: set a very good example of being able to work

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Speaker 5: for the things that you want.

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Speaker 4: Can you imagine how stressful that would have been, like

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Speaker 4: coming to a foreign country as an immigrant and then

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Speaker 4: your husband passes away? Like I need her money story

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Speaker 4: as well.

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Speaker 5: Yeah I know, I know so, but yeah, it's like,

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Speaker 5: just set a very good example for me at being

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Speaker 5: pragmatic I guess with my money and taking a careful approach,

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Speaker 5: but trusting yourself.

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Speaker 4: I love that. So tell me how that impacts you

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Speaker 4: now as an adult, like what does money look like today?

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Speaker 5: So for me at the moment, I think secure is

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Speaker 5: the keyword. Like I definitely agree with the term like

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Speaker 5: money doesn't buy happiness, but I think it buys you security. Yeah,

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Speaker 5: So for me, I think my relationship with money as

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Speaker 5: an adult is very much like tied to feeling secure

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Speaker 5: with it. And I like to have a good buffer

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Speaker 5: for myself for you know, anything, because I always think

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Speaker 5: like what could happen? Like you don't want to be dramatic,

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Speaker 5: but you also think worst case scenario, like especially after

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Speaker 5: we've been through COVID and everything, like what if I

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Speaker 5: lose my job? What if I can't pay my bills?

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Speaker 5: I like to be organized just in case any of

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Speaker 5: that happens. So I've got a very big emergency fund.

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Speaker 4: I need to know. I need to know what does

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Speaker 4: a very big emergency fund look like? Because you are

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Speaker 4: twenty nine years old, and I feel like it's always different,

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Speaker 4: Like people ask me this question all the time, like Vie,

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Speaker 4: how much do I need in an emergency fund? And

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Speaker 4: like there's no answer. I always like fall back to

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Speaker 4: the default, like Okay, have you calculated like three months

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Speaker 4: worth of expenses? I'd work towards that tell me how

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Speaker 4: you worked out what you're comfy within your emergency fund.

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Speaker 5: I did look at the three months of expenses, which

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Speaker 5: I guess yourself and other podcasts talk about, but I

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Speaker 5: guess from there because I kind of when I hit that,

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Speaker 5: I just kind of kept on letting it keep a

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Speaker 5: cruing rather than transferring it out of that account. So

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Speaker 5: I think I'm somewhere. I'd say a bit over fifteen

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Speaker 5: thousand at the moment.

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Speaker 4: And how far would that get you? Like if tomorrow

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Speaker 4: you unfortunately lost your role, would that get you through

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Speaker 4: three months? Six months? Like what do you think? That

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Speaker 4: looks like?

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Speaker 5: Oh, definitely several months, I think as well. The other

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Speaker 5: thing is like if I really had to, like I've

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Speaker 5: talked to my parents before just for like you know,

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Speaker 5: peace of mind, Like I can move back in with

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Speaker 5: my parents if that ever had to happen.

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Speaker 2: But like, obviously I would prefer not to have to

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Speaker 2: do that.

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Speaker 4: Of course, of course, I feel like we all do that,

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Speaker 4: and like it's an absolute right, like I do not

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Speaker 4: for a second take for granted that you know, I

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Speaker 4: have a relationship with my parents where I would be

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Speaker 4: welcome home, right, But I'm thirty three, I have a baby,

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Speaker 4: I have a husband, I have my own mortgages, and

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Speaker 4: I'm still like, so if I wanted to move home,

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Speaker 4: could I move home? Mom and dad are like, yeah, okay, cool.

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Speaker 4: I just want to know. Thanks, And Mom's like, wait,

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Speaker 4: would you ever move home? I'm like, nah, never, never.

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Speaker 4: I just want to know that that option is there,

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Speaker 4: and like it's totally a privilege, right, And a lot

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Speaker 4: of people will be like, oh, well, at least you

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Speaker 4: could move home. You're right, at least I could. Like,

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Speaker 4: I am so privileged to be in that position, and

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Speaker 4: I think that that has like sat with me and

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Speaker 4: let me make and I don't know if you're like this,

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Speaker 4: but let me make some riskier decisions knowing that I

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Speaker 4: do have that to fall back on. Whereas I have

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Speaker 4: some friends who are not in that situation, and I've

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Speaker 4: always said to them like, hey, I know you're not

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Speaker 4: in the same situation, like you let me know if

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Speaker 4: you need anything. I've got a spare room, like I

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Speaker 4: can always be that landing place. And I think that

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Speaker 4: I've just become that friend. My husband says that Victoria

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Speaker 4: is always collecting strays, and I kind of love it

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Speaker 4: so like, I understand the privilege of being able to

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Speaker 4: quote go home, but I also want to be able

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Speaker 4: to extend that so that, like, none of my friends

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Speaker 4: feel like they don't have a safe landing place. I've

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Speaker 4: just been thinking about this a lot recently. Do you

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Speaker 4: find that has infiltrated the way that you interact with

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Speaker 4: your friends and your family members and like partners and

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Speaker 4: stuff like that where you've got a safe landing pad

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Speaker 4: to kind of extend that out or is it something

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Speaker 4: you've never thought about or like, I don't know, I

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Speaker 4: just feel like it's so common.

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Speaker 5: Yeah. No, I think that's really important, and it is

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Speaker 5: something that I'm very lucky, I guess to know that

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Speaker 5: I have there as an option if.

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Speaker 2: Anything like that happens.

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Speaker 5: I think I would like to also be that in

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Speaker 5: the future for other people. So I guess, yeah, that's

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Speaker 5: something I can, you know, work towards when I get

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Speaker 5: my own house, hopefully sometime soon you will.

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Speaker 4: You will let's learn more about it, all right. I

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Speaker 4: want to know. Tell me what you do for work

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Speaker 4: and how much money you earn.

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Speaker 5: I currently have a government job. I've been working for

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Speaker 5: a government for I think roughly four years. Now and

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Speaker 5: I'm earning about ninety five K years.

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Speaker 4: Ooh, that's pretty good at twenty nine Yeah. Tell me,

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Speaker 4: is that including super.

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Speaker 2: No, that's not including super Souper's on top of that.

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Speaker 4: Oh okay, so like your total package is over one

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Speaker 4: hundred and grand. Yeah, yeah, that's very sexy. I like it.

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Speaker 4: She's earning six figures. Tell me a little bit more.

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Speaker 4: I want to know what are your big money goals.

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Speaker 4: You've mentioned a couple of times, like you want to

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Speaker 4: buy your first home, so I'm assuming that might be

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Speaker 4: on the list, but like, what are your big money goals?

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Speaker 4: What are we working towards?

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Speaker 5: For me, I would really like to get a bit

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Speaker 5: more into investments. So I do have a raise account

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Speaker 5: at the moment, but I'd like to start investing a

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Speaker 5: bit more into the share market. Like the raise was

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Speaker 5: definitely it's been really good to do so far and

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Speaker 5: to watch how it grows, and I think that was

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Speaker 5: me getting comfortable with investing a bit more. But I've

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Speaker 5: kind of hit this point now with Rays where I'd

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Speaker 5: like to move into the next step. But I feel

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Speaker 5: like I've been getting a little bit of analysis paralysis

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Speaker 5: with it. So I start looking at different. I guess

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Speaker 5: platforms to invest and start listening to podcast episodes, and

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Speaker 5: then I get a little bit maybe overwhelmed at the moment, so.

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Speaker 4: Oh, I get it. Analysis paralysis is truly the worst.

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Speaker 4: And why is it?

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Speaker 2: Us?

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Speaker 4: As women? We are always like, oh, that looks really good,

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Speaker 4: but I might go to bed now and I'll have

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Speaker 4: another look tomorrow. And then for some reason, you wake

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Speaker 4: up tomorrow and you've lost all your confidence and it

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Speaker 4: feels like you have to start your research again. And

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Speaker 4: so you start your research again and you come to

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Speaker 4: a similar conclusion. But then you're like, surely there are

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Speaker 4: other options out there, and like I don't want to

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Speaker 4: make the wrong decision, and so you just keep putting

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Speaker 4: it off and off. I often refer to the micro

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Speaker 4: investing platforms as like the gateway drug of the investing world,

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Speaker 4: because like it's easy to get you on them, it's

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Speaker 4: really easy to get you comfy with it, and then

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Speaker 4: you look for more, and like that's kind of what

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Speaker 4: I want to do to you in the investing world.

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Speaker 4: I want you to go, oh, that's actually not so bad.

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Speaker 4: Are you saying that I could have like a proper

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Speaker 4: investing platform, Because sometimes it's a little bit too hard

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Speaker 4: to like go straight in boots and all. So tell

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Speaker 4: me when did you go, Oh, this isn't too bad.

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Speaker 4: I want to move from microinvesting to like bigger investing.

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Speaker 5: I think a couple of months ago, so I've been saving. Obviously,

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Speaker 5: I mentioned before about buying a house. I'm looking at

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Speaker 5: buying one with my partner, and that would be my

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Speaker 5: other big money goal at the moment. But I think

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Speaker 5: when I got to a certain point where we've got

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Speaker 5: our twenty percent, you know, and a little bit extra,

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Speaker 5: and we're just more at the moment looking for the

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Speaker 5: right house rather than getting that deposit saved up. I

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Speaker 5: think now I'm looking at, hopefully in the next couple

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Speaker 5: of months, like starting that I guess more big girl investing.

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Speaker 4: Oh I love that. All right, let's go to a

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Speaker 4: really quick break, because I was about to ask you

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Speaker 4: a whole heap of questions about like your home buying journey,

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Speaker 4: but I think I'm going to save them for after this,

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Speaker 4: so guys, stick around, Money Divester. We are back, and

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Speaker 4: I had to put a little break in there because

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Speaker 4: I was like, we need to get a little coffee,

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Speaker 4: We need to have a break. But Also, I want

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Speaker 4: to know tell me about this home buying journey you

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Speaker 4: mentioned in your diary in like, hey they when COVID

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Speaker 4: Lockdown's hit, like lost my job, went through a breakup,

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Speaker 4: did all of this stuff. But in this episode you've

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Speaker 4: mentioned that you have a partner, So tell me about

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Speaker 4: that situation. How did you meet first? Because I love

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Speaker 4: a love story and what does that look like because

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Speaker 4: you're now trying to purchase property together.

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Speaker 5: I've actually known my partner since we were probably thirteen

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Speaker 5: or so years old.

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Speaker 4: I'm so glad I asked I love love.

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Speaker 5: We used to get the train together to school, and

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Speaker 5: I've been friends with them for a very long time.

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Speaker 5: During COVID Lockdown, we started hanging out a little bit

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Speaker 5: more and one of my friends and I moved out

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Speaker 5: out of home during COVID, so rented a place and

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Speaker 5: he helped us move house because he's friends with both

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Speaker 5: of us. And we said, hey, there's a third room.

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Speaker 5: Would you like to move into that room? So he did,

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Speaker 5: and Yeah, from that point onwards, we kind of started dating.

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Speaker 4: That's actually so funny. You were like, ah, I've moved

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Speaker 4: a potential boyfriend in That could have ended so badly.

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Speaker 4: Like you've probably thought about this, but that could have

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Speaker 4: ended not so great.

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Speaker 5: Yeah, it was like it was definitely a bit of

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Speaker 5: a slow process from going from being friends to in

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Speaker 5: a relationship. It was over a period of time. But

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Speaker 5: we've gotten to this point now, which is great. Like

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Speaker 5: we're looking for a house. We're both very I think

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Speaker 5: we're very on the same page with money, which is

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Speaker 5: really important something that I've learned, I guess over the years.

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Speaker 5: So we're both saving probably a very similar amount. We're

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Speaker 5: on a very similar amount both looking and kind of

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Speaker 5: refining what kind of houses we want to buy.

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Speaker 4: Yeah, that's really fun. I need to know more about

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Speaker 4: this love story though. Tell me about the housemate. When

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Speaker 4: did they work out that his housemates were dating, because

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Speaker 4: that could have been.

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Speaker 5: Weird her housemates were dating her housemates. I think a

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Speaker 5: couple of months maybe. Yeah, we kept things a bit quiet,

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Speaker 5: but it's kind of hard when we're in lockdown and

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Speaker 5: you all live together. So yeah, happened relatively quickly at that.

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Speaker 4: That wint actually so funny. So is this something obviously

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Speaker 4: you've known each other since you were thirteen? Is this

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Speaker 4: something that when you started to tell like friends and family,

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Speaker 4: they were like, of course or was this something that

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Speaker 4: you were like, you know, I'm telling you now, And

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Speaker 4: they were completely shocked, because I feel like these like

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Speaker 4: romances where you were thirteen and you like hung out together,

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Speaker 4: caught the train, a feeling like you might have been

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Speaker 4: really oblivious to the fact that he was in love

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Speaker 4: with you the whole time.

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Speaker 5: Oh, he definitely wasn't, And I didn't feel that way

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Speaker 5: for him at all. We were very different. So growing up,

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Speaker 5: like if you stole photos of us in year seven,

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Speaker 5: I would have been like, because you know, girls obviously

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Speaker 5: grow quicker, I would have been like my height in

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Speaker 5: year seven, like five foot eight, he was very fine.

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Speaker 4: Eight seven, Oh my gosh, I was so teeny timey.

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Speaker 5: And he is definitely a late developer. And yeah, we

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Speaker 5: were just like friends, Like we weren't even that great

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Speaker 5: friends in school. I would say like, oh, just knew

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Speaker 5: each other from getting the train and like, you know,

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Speaker 5: you kind of sit in the same.

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Speaker 2: Group because we were all going to the same station.

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Speaker 5: And then as we got older, like just you know,

401
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Speaker 5: in the same friendship group. So we were friends, but

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Speaker 5: it wasn't really until COVID lockdown. We lived in the

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Speaker 5: same suburbs, so we were within our five k radius

404
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Speaker 5: to like go for walks and stuff.

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Speaker 4: Yeah, okay, it kind of like forced you together exactly. Yeah, okay,

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Speaker 4: I like it.

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Speaker 5: Yeah, that was at a point where we were probably

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Speaker 5: we'd kind of grown up and developed a little bit more,

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Speaker 5: and our personalities were more like how they're going to be,

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Speaker 5: if that makes sense.

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Speaker 4: That makes so much sense. So I met my husband

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Speaker 4: in like my mid twenties, right, And I remember a

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Speaker 4: couple of years ago saying to my husband like, oh

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Speaker 4: my god, like, would we have dated if we went

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Speaker 4: to the same school, And then we saw photos of

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Speaker 4: each other and we're both like absolutely not. Like I

417
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Speaker 4: looked in grade seven like everyone I don't now, sadly,

418
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Speaker 4: I wish people still said this about me, but I

419
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Speaker 4: just looked so young, So like in grade seven you

420
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Speaker 4: would have been like not sure if she's in grade

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Speaker 4: four or grade seven, And in grade ten, I was

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Speaker 4: like trying to be really cool, but I looked like

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Speaker 4: her grade seven. Like I just looked so young throughout

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Speaker 4: the whole process. And then there was my husband who

425
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Speaker 4: thought he was like a skater boy, Like, oh, just

426
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Speaker 4: way back then, it wasn't gonna happen. We needed to

427
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Speaker 4: mature and become ourselves and now obviously inseparable, but like, nah,

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Speaker 4: we wouldn't have dated like those people that are like, yeah,

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Speaker 4: we've been together since we were like twelve. I'm like,

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Speaker 4: how you would have been completely different people.

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Speaker 2: I know.

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Speaker 5: Yeah, So it worked out so great. It was definitely

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Speaker 5: not the plan when we invited him to move in

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Speaker 5: with us. It was like a short term thing.

435
00:20:54,560 --> 00:20:57,640
Speaker 4: We were like, we need a housemate, cheaper rent money.

436
00:20:57,320 --> 00:20:58,440
Speaker 2: Win exactly.

437
00:20:58,640 --> 00:21:01,399
Speaker 4: Yeah, we've got a spare room and you're a nice dude,

438
00:21:01,560 --> 00:21:05,160
Speaker 4: yeah exactly, And Sadie was a really nice dude. All right,

439
00:21:05,320 --> 00:21:07,199
Speaker 4: tell me a bit more. So I want to know

440
00:21:07,240 --> 00:21:09,320
Speaker 4: more about this home buying journey because so many people

441
00:21:09,320 --> 00:21:12,280
Speaker 4: in our community are on this. You earn ninety five

442
00:21:12,320 --> 00:21:14,840
Speaker 4: thousand plus super, which is a really nice amount of money.

443
00:21:14,880 --> 00:21:17,480
Speaker 4: Can I be pervy? What on average is your partner earning?

444
00:21:17,720 --> 00:21:20,320
Speaker 2: I think he's a little bit more than me, so

445
00:21:20,520 --> 00:21:24,600
Speaker 2: I think he's probably probably just entering the six figures.

446
00:21:24,640 --> 00:21:27,960
Speaker 4: Let's say, yeah, okay, so let's just say semi equal,

447
00:21:28,119 --> 00:21:31,760
Speaker 4: semi equal, like give or take. How did you decide

448
00:21:31,800 --> 00:21:34,000
Speaker 4: what type of budget the two of you had for

449
00:21:34,119 --> 00:21:37,000
Speaker 4: property because I feel like, you know, it's an interesting

450
00:21:37,119 --> 00:21:39,680
Speaker 4: conversation to go, oh, well, we should just buy a

451
00:21:39,720 --> 00:21:42,639
Speaker 4: three hundred thousand dollar house because it's well within our means.

452
00:21:43,240 --> 00:21:46,439
Speaker 4: Or are you maxing out like what you can borrow? Like,

453
00:21:46,520 --> 00:21:49,000
Speaker 4: tell me a bit more about that decision making process.

454
00:21:49,080 --> 00:21:51,719
Speaker 5: We definitely don't want to max out what we can borrow.

455
00:21:51,880 --> 00:21:53,879
Speaker 5: We're both, I think a little bit more on the

456
00:21:53,880 --> 00:21:58,080
Speaker 5: conservative side. So we've been looking because you know, looking

457
00:21:58,119 --> 00:22:00,360
Speaker 5: at house prices at the moment. I know, so they're

458
00:22:00,480 --> 00:22:03,800
Speaker 5: technically they're going down, but they're still quite high. So

459
00:22:04,200 --> 00:22:06,960
Speaker 5: we've been looking around. I think we're looking at about

460
00:22:06,960 --> 00:22:09,760
Speaker 5: that eight to eight point fifty mark, seeing what there

461
00:22:09,880 --> 00:22:10,520
Speaker 5: is out there.

462
00:22:10,640 --> 00:22:13,119
Speaker 4: Hey, eight fifty is going to get you a nice place, though.

463
00:22:13,000 --> 00:22:16,199
Speaker 5: I know, fingers crossed, and we have gone to a

464
00:22:16,280 --> 00:22:19,159
Speaker 5: couple of options. We bid at one so far we

465
00:22:19,200 --> 00:22:20,840
Speaker 5: didn't get that one, but I think it's all a

466
00:22:20,880 --> 00:22:21,800
Speaker 5: good experience.

467
00:22:21,960 --> 00:22:24,120
Speaker 4: How did that feel, not winning at an auction you're

468
00:22:24,160 --> 00:22:26,480
Speaker 4: bidding at, because like just even putting your little paddle

469
00:22:26,560 --> 00:22:29,000
Speaker 4: up and bidding, Oh, I felt sick the first time

470
00:22:29,040 --> 00:22:29,479
Speaker 4: I did it.

471
00:22:29,600 --> 00:22:32,440
Speaker 5: I know, it was quite stressful. I was actually really

472
00:22:32,480 --> 00:22:34,439
Speaker 5: proud of myself for doing it because I was like

473
00:22:34,520 --> 00:22:36,680
Speaker 5: talking to the like we had the real estate agent,

474
00:22:36,720 --> 00:22:38,800
Speaker 5: one of them come and stand with us, and he

475
00:22:38,840 --> 00:22:41,040
Speaker 5: had like his little clipboard and was like showing me

476
00:22:41,080 --> 00:22:44,080
Speaker 5: the prices and stuff, and like, I was really proud

477
00:22:44,119 --> 00:22:46,400
Speaker 5: of myself for like kind of taking that on and

478
00:22:46,480 --> 00:22:48,800
Speaker 5: being like yep, okay, we're going to do this and

479
00:22:49,200 --> 00:22:51,160
Speaker 5: oh no, we're going to hold back and stand back there.

480
00:22:51,560 --> 00:22:53,720
Speaker 5: My partner and I were very much on the same

481
00:22:53,760 --> 00:22:54,719
Speaker 5: page going into that.

482
00:22:54,880 --> 00:22:56,840
Speaker 4: So and you had like a max out like if

483
00:22:56,840 --> 00:22:59,640
Speaker 4: it goes over this, we're just not playing ball anymore.

484
00:22:59,280 --> 00:23:01,520
Speaker 5: Exactly, and like you know, we were kind of like

485
00:23:01,600 --> 00:23:03,520
Speaker 5: he was doing like little gestures to me to like,

486
00:23:03,560 --> 00:23:03,800
Speaker 5: you know.

487
00:23:03,800 --> 00:23:06,120
Speaker 2: Slow down, like hold it there, wait there.

488
00:23:06,040 --> 00:23:08,720
Speaker 4: Aha, I love this a little negotiating.

489
00:23:08,920 --> 00:23:13,199
Speaker 5: Yeah, So the auction process is definitely quite stressful, but

490
00:23:13,320 --> 00:23:15,399
Speaker 5: at the same time, I think it was a good experience,

491
00:23:15,480 --> 00:23:18,199
Speaker 5: and we did go into it knowing. I think you

492
00:23:18,280 --> 00:23:20,320
Speaker 5: got to go into it knowing that there's a good

493
00:23:20,400 --> 00:23:22,800
Speaker 5: chance that you know, you might be out bid.

494
00:23:22,920 --> 00:23:23,080
Speaker 2: Yeah.

495
00:23:23,160 --> 00:23:26,879
Speaker 4: See, I have a very similar experience. I was bidding

496
00:23:26,880 --> 00:23:29,199
Speaker 4: out an auction a couple of years ago for a

497
00:23:29,240 --> 00:23:32,080
Speaker 4: property that we obviously really wanted to own. But I'm

498
00:23:32,119 --> 00:23:34,600
Speaker 4: a bit de lulu, which you probably already know, so

499
00:23:34,680 --> 00:23:37,480
Speaker 4: like I'd already taken a photo of myself with the

500
00:23:37,560 --> 00:23:39,800
Speaker 4: like for sale sign out the front of the house

501
00:23:39,840 --> 00:23:42,080
Speaker 4: a couple of weeks before it went to auction, and

502
00:23:42,160 --> 00:23:45,000
Speaker 4: I had superimposed a sold sticker on it, like I

503
00:23:45,040 --> 00:23:49,359
Speaker 4: was manifesting so hard. It is so different going to

504
00:23:49,440 --> 00:23:53,480
Speaker 4: an option and bidding for yourselves, because as a financial advisor,

505
00:23:53,480 --> 00:23:55,160
Speaker 4: I used to have clients who were like, oh, I'm

506
00:23:55,160 --> 00:23:57,240
Speaker 4: not confident, Like I'm really worried, and I'd be like, mate,

507
00:23:57,280 --> 00:23:59,480
Speaker 4: I'll go bid for you at this auction. That's fine.

508
00:23:59,640 --> 00:24:01,679
Speaker 4: I'm so confident because I know my numbers and I

509
00:24:01,760 --> 00:24:03,760
Speaker 4: know how to speak well, and like, you know, I'm

510
00:24:03,840 --> 00:24:07,119
Speaker 4: quite assertive. That all went out the window the second

511
00:24:07,160 --> 00:24:09,240
Speaker 4: I was bidding in an auction for myself, I was

512
00:24:09,280 --> 00:24:12,800
Speaker 4: like shaky and scared and like it was actually insane.

513
00:24:12,920 --> 00:24:16,080
Speaker 4: My husband took over and like, sorry, have you met me?

514
00:24:16,400 --> 00:24:19,359
Speaker 4: Like my husband to take over talking for me. Anyway,

515
00:24:19,440 --> 00:24:22,280
Speaker 4: we didn't win that, which ultimately i'm very glad for.

516
00:24:22,480 --> 00:24:24,680
Speaker 4: I thought my heart was set on it, but I'm

517
00:24:24,760 --> 00:24:26,720
Speaker 4: genuinely a believer that when you lose it an option,

518
00:24:26,800 --> 00:24:30,200
Speaker 4: it's because something better is coming, like something more aligned

519
00:24:30,480 --> 00:24:33,120
Speaker 4: is coming your way. Because that's exactly what happened for us.

520
00:24:33,440 --> 00:24:35,920
Speaker 4: I remember just being so heartbroken and being like, we're

521
00:24:36,000 --> 00:24:38,040
Speaker 4: never going to get the house of our dreams, and

522
00:24:38,080 --> 00:24:40,560
Speaker 4: then all of a sudden it turns up and I'm like, oh, well,

523
00:24:40,600 --> 00:24:42,879
Speaker 4: that's what I was waiting for. Isn't it so easy?

524
00:24:42,880 --> 00:24:44,040
Speaker 4: In hindsight though, hey.

525
00:24:44,040 --> 00:24:46,320
Speaker 5: Yeah, And you have those thoughts definitely at the end

526
00:24:46,320 --> 00:24:48,439
Speaker 5: of an auction, like, oh, this isn't going to happen

527
00:24:48,480 --> 00:24:51,040
Speaker 5: for us, This is too hard, the prices are too high.

528
00:24:51,080 --> 00:24:55,119
Speaker 5: But I think I've been looking at what's sold recently

529
00:24:55,240 --> 00:24:58,640
Speaker 5: in the areas that we're looking, and you know, I'm realistic.

530
00:24:58,680 --> 00:25:01,360
Speaker 5: I'm like, it is possible to get in. It might

531
00:25:01,400 --> 00:25:03,919
Speaker 5: not be the perfect place, but it might be the

532
00:25:03,960 --> 00:25:04,960
Speaker 5: perfect place for us.

533
00:25:05,200 --> 00:25:05,280
Speaker 1: No.

534
00:25:05,400 --> 00:25:07,399
Speaker 4: I love that. So tell me a bit more. You

535
00:25:07,480 --> 00:25:10,000
Speaker 4: mentioned that you're micro investing right now. Do you have

536
00:25:10,040 --> 00:25:11,320
Speaker 4: any other investments?

537
00:25:11,560 --> 00:25:14,760
Speaker 5: So in my race, I've got about five thousand in

538
00:25:14,800 --> 00:25:17,600
Speaker 5: there at the moment, and I'm putting fifty dollars a

539
00:25:17,600 --> 00:25:20,200
Speaker 5: fortnight in there. Definitely, when I start doing my Big

540
00:25:20,200 --> 00:25:22,159
Speaker 5: Girl Investing, want to do a little bit more than that.

541
00:25:23,040 --> 00:25:25,760
Speaker 5: And then my Super I just checked it the other day.

542
00:25:25,840 --> 00:25:27,639
Speaker 5: I don't know why I always get locked out of

543
00:25:27,640 --> 00:25:29,000
Speaker 5: my Super account.

544
00:25:28,920 --> 00:25:31,159
Speaker 4: Because you forget your password or something.

545
00:25:30,880 --> 00:25:33,439
Speaker 2: Every time, because like you don't need it that often.

546
00:25:33,520 --> 00:25:36,040
Speaker 5: So when you do, like I always forget it, always

547
00:25:36,080 --> 00:25:38,440
Speaker 5: have to go through the whole like resetting everything.

548
00:25:38,640 --> 00:25:41,879
Speaker 4: That's me logging into my GUV every time. They're like,

549
00:25:42,160 --> 00:25:43,879
Speaker 4: what's you use the name? And I'm like, I don't

550
00:25:43,920 --> 00:25:46,560
Speaker 4: know my user name. Why can't it just be my

551
00:25:46,680 --> 00:25:48,560
Speaker 4: email address?

552
00:25:48,880 --> 00:25:51,880
Speaker 5: So I'm super from when I last checked it had

553
00:25:52,040 --> 00:25:54,480
Speaker 5: just clocked over fifty thousand dollars, which.

554
00:25:54,320 --> 00:25:55,640
Speaker 4: I was really happy with.

555
00:25:55,840 --> 00:25:59,000
Speaker 5: Yeah, especially I think in the last few years working

556
00:25:59,040 --> 00:26:02,399
Speaker 5: for government, it's gone up heaps. Before that, I felt

557
00:26:02,440 --> 00:26:05,679
Speaker 5: like I was quite behind in Super. So yeah, that

558
00:26:05,840 --> 00:26:08,720
Speaker 5: was very nice to see. And I think I have

559
00:26:08,960 --> 00:26:12,520
Speaker 5: like one hundred dollars in crypto. I don't know my

560
00:26:12,600 --> 00:26:14,640
Speaker 5: login for that because that was years ago. I put

561
00:26:14,680 --> 00:26:18,320
Speaker 5: that in there, Like it definitely wasn't anything cool like bitcoin.

562
00:26:18,440 --> 00:26:20,600
Speaker 5: It was like, I don't know, someone told me to

563
00:26:20,600 --> 00:26:23,320
Speaker 5: buy something, or rather I can't remember even what I bought.

564
00:26:23,880 --> 00:26:25,320
Speaker 2: I've just kind of given up on that.

565
00:26:26,160 --> 00:26:28,960
Speaker 4: We all know that crypto is really risky and whatnot.

566
00:26:29,080 --> 00:26:32,040
Speaker 4: But back in the day, I had a boyfriend who

567
00:26:32,359 --> 00:26:35,479
Speaker 4: bought crypto, and I just remember being like, your loser.

568
00:26:35,760 --> 00:26:37,800
Speaker 4: Obviously it didn't work out. I didn't marry him. It

569
00:26:37,840 --> 00:26:42,400
Speaker 4: wasn't my current husband, unfortunately, because he's made like nearly

570
00:26:42,400 --> 00:26:45,159
Speaker 4: a million bucks. Like last I heard like he'd cashed

571
00:26:45,200 --> 00:26:47,200
Speaker 4: his bitcoin out or whatever it was a couple of

572
00:26:47,280 --> 00:26:49,320
Speaker 4: years ago at like eight hundred grand, and I remember

573
00:26:49,320 --> 00:26:52,360
Speaker 4: being like, well, that serves me right.

574
00:26:52,960 --> 00:26:53,239
Speaker 2: I know.

575
00:26:53,720 --> 00:26:56,399
Speaker 5: It's yeah, it's definitely a little bit of the wild

576
00:26:56,440 --> 00:26:58,919
Speaker 5: West for me. Like I don't really understand it. Like

577
00:26:58,960 --> 00:27:01,960
Speaker 5: I've tried watching VID and I just can't really get

578
00:27:02,000 --> 00:27:06,160
Speaker 5: into it. So I'm happy just using I guess mainstream investing.

579
00:27:06,560 --> 00:27:08,919
Speaker 4: Yeah, let's go with something favanilla. I feel like the

580
00:27:09,040 --> 00:27:12,119
Speaker 4: risk of it it outweighs the benefit. Like this is

581
00:27:12,160 --> 00:27:14,439
Speaker 4: way back in like I don't know if you know

582
00:27:14,520 --> 00:27:16,920
Speaker 4: I've read it, but like way back in the day,

583
00:27:17,119 --> 00:27:19,520
Speaker 4: he would like trill Reddit and this was like before

584
00:27:19,560 --> 00:27:21,879
Speaker 4: it was even in the media being talked about, and

585
00:27:21,920 --> 00:27:25,080
Speaker 4: I was just like your de Lulu. But Okay, turns

586
00:27:25,080 --> 00:27:28,119
Speaker 4: out he was definitely onto something and I should have

587
00:27:28,200 --> 00:27:30,160
Speaker 4: just copied him because I think he turned like maybe

588
00:27:30,240 --> 00:27:33,400
Speaker 4: five hundred dollars into eight hundred thousand dollars like wild,

589
00:27:33,640 --> 00:27:36,080
Speaker 4: and you can't do that anymore, Like that's not replicable.

590
00:27:36,119 --> 00:27:38,400
Speaker 4: So anyone who's listening, like, don't think, oh, I can

591
00:27:38,440 --> 00:27:40,520
Speaker 4: go buy bitcoin because it's insane. I think a bitcoin

592
00:27:40,560 --> 00:27:43,040
Speaker 4: nowadays is worth more than one hundred thousand dollars, Like

593
00:27:43,080 --> 00:27:46,840
Speaker 4: you can't just buy one. But yolo, anyway, tell me

594
00:27:46,920 --> 00:27:49,359
Speaker 4: a bit more about debt. Do you have any debt?

595
00:27:49,440 --> 00:27:50,840
Speaker 4: Have you ever been in debt?

596
00:27:51,119 --> 00:27:54,119
Speaker 5: So the only debt that I've ever had is my

597
00:27:54,520 --> 00:27:56,880
Speaker 5: hex debt. I'm just like thinking back to make sure

598
00:27:56,920 --> 00:27:58,880
Speaker 5: that I'm not missing anything, but no, I think it's

599
00:27:58,960 --> 00:28:02,040
Speaker 5: just literally been my hectead that got up to like

600
00:28:02,320 --> 00:28:05,199
Speaker 5: twenty five K, and it was probably a little bit

601
00:28:05,280 --> 00:28:07,960
Speaker 5: higher than it should have been for my degree because

602
00:28:08,000 --> 00:28:10,600
Speaker 5: I did jump around degrees a couple of times.

603
00:28:11,240 --> 00:28:13,239
Speaker 4: I mean, twenty five grand is not that bad had

604
00:28:13,400 --> 00:28:15,320
Speaker 4: given you jumped around degrees a little bit.

605
00:28:15,400 --> 00:28:17,600
Speaker 5: Yeah, especially in the start, like I think I did

606
00:28:17,640 --> 00:28:21,000
Speaker 5: one where I pulled out before the census date, so

607
00:28:21,040 --> 00:28:23,600
Speaker 5: I didn't get charged for those classes, which is good.

608
00:28:23,960 --> 00:28:26,560
Speaker 5: And then I did like a couple of because I

609
00:28:26,720 --> 00:28:28,879
Speaker 5: was like, oh, I want to be a lawyer, you know,

610
00:28:29,000 --> 00:28:30,880
Speaker 5: did law for six months and then was like, ah,

611
00:28:31,040 --> 00:28:35,080
Speaker 5: not for me, that's fair. And those classes were expensive,

612
00:28:35,240 --> 00:28:37,680
Speaker 5: so like, yeah, I can just imagine how much a

613
00:28:37,760 --> 00:28:40,000
Speaker 5: whole law degree would be. But so it was about

614
00:28:40,000 --> 00:28:43,840
Speaker 5: twenty five K. And this is where during lockdown when

615
00:28:43,840 --> 00:28:45,760
Speaker 5: I started doing my side hustle.

616
00:28:45,840 --> 00:28:47,400
Speaker 4: I was about to say, but we don't have that

617
00:28:47,520 --> 00:28:50,560
Speaker 4: date anymore, tell me why, but you've segued into it yourself.

618
00:28:50,920 --> 00:28:51,440
Speaker 2: Yeah.

619
00:28:51,680 --> 00:28:56,120
Speaker 5: So basically started doing my like op shopping side hustle

620
00:28:56,280 --> 00:28:59,360
Speaker 5: during COVID, And it started very organically. It wasn't like

621
00:28:59,440 --> 00:29:01,760
Speaker 5: a conscious decision of like I'm going to do this,

622
00:29:01,800 --> 00:29:03,280
Speaker 5: I'm going to make money, I'm going to pay off

623
00:29:03,320 --> 00:29:06,160
Speaker 5: my hex step. It just started like I don't know

624
00:29:06,160 --> 00:29:08,560
Speaker 5: if you remember, during one of the lockdowns, you were

625
00:29:08,560 --> 00:29:10,680
Speaker 5: allowed to go into stores, like you could go into

626
00:29:10,760 --> 00:29:13,160
Speaker 5: clothing stores and you could go into op shops and stuff,

627
00:29:13,160 --> 00:29:16,600
Speaker 5: but you couldn't try things on Oh yeah, yeah, so

628
00:29:16,760 --> 00:29:18,000
Speaker 5: that's how it started for me.

629
00:29:18,240 --> 00:29:20,920
Speaker 4: Honestly, I've just blocked out so much of this.

630
00:29:21,240 --> 00:29:23,120
Speaker 2: I've just I know just like trauma.

631
00:29:23,200 --> 00:29:25,320
Speaker 4: Like when people remind me of things, I'm like, no, sorry,

632
00:29:25,360 --> 00:29:26,280
Speaker 4: I don't want to talk about it.

633
00:29:26,280 --> 00:29:29,120
Speaker 5: I don't want to think about it exactly. It's funny

634
00:29:29,160 --> 00:29:31,360
Speaker 5: doing this, Like I was writing down notes for myself

635
00:29:31,360 --> 00:29:33,760
Speaker 5: and like that's how I got started. I forgot about

636
00:29:33,800 --> 00:29:37,320
Speaker 5: that part of it. I think, Yeah, during lockdown, go

637
00:29:37,400 --> 00:29:39,719
Speaker 5: into the change room. So I bought a few things,

638
00:29:39,800 --> 00:29:42,880
Speaker 5: took them home. I got a pair of Camilla and

639
00:29:42,960 --> 00:29:44,920
Speaker 5: Mark pants from Savers.

640
00:29:45,040 --> 00:29:47,520
Speaker 4: Oh very nice, Yeah, very nice, very pretty.

641
00:29:47,800 --> 00:29:49,920
Speaker 5: Loved them, took them home, tried them on, and I'm like,

642
00:29:50,040 --> 00:29:52,240
Speaker 5: oh damn, Like they're a little bit too big for me,

643
00:29:52,400 --> 00:29:55,560
Speaker 5: but they're so pretty. I can either like wait till

644
00:29:55,600 --> 00:29:57,479
Speaker 5: I go back to the store and like see if

645
00:29:57,520 --> 00:30:00,800
Speaker 5: I can exchange them, or I can and popped them

646
00:30:00,840 --> 00:30:01,400
Speaker 5: up for sale.

647
00:30:01,440 --> 00:30:02,520
Speaker 2: So that's what I did.

648
00:30:02,640 --> 00:30:05,720
Speaker 4: That's so smart because so many people want Camilla and

649
00:30:05,800 --> 00:30:08,000
Speaker 4: Mark but they don't want to like trawl through Savers

650
00:30:08,040 --> 00:30:09,960
Speaker 4: on the off chance that they might go across it.

651
00:30:10,240 --> 00:30:12,040
Speaker 4: But for people like you and I, it's a game.

652
00:30:12,320 --> 00:30:13,360
Speaker 4: It's a fun game.

653
00:30:13,360 --> 00:30:16,520
Speaker 5: Exactly one hundred percent. So pop them up online and

654
00:30:16,560 --> 00:30:19,360
Speaker 5: I reckon. They sold that night, like they sold really quick.

655
00:30:19,440 --> 00:30:22,320
Speaker 5: What because everyone was like at home, there wasn't anything

656
00:30:22,320 --> 00:30:24,000
Speaker 5: to do. So I think everyone was either.

657
00:30:23,800 --> 00:30:25,760
Speaker 4: Like, yeah, that's true.

658
00:30:25,640 --> 00:30:29,040
Speaker 5: Online shopping or there wasn't much to do. So they

659
00:30:29,080 --> 00:30:31,480
Speaker 5: sold that night. And I don't think I sold them

660
00:30:31,480 --> 00:30:33,360
Speaker 5: for like a super high price or anything.

661
00:30:33,400 --> 00:30:35,040
Speaker 4: I think I, like, you just like whacked them up

662
00:30:35,080 --> 00:30:38,040
Speaker 4: for something reasonable and then realized maybe once they sold

663
00:30:38,040 --> 00:30:39,840
Speaker 4: so quickly, you were like I could probably have asked

664
00:30:39,840 --> 00:30:40,680
Speaker 4: for twenty bucks more.

665
00:30:40,920 --> 00:30:41,640
Speaker 2: Yeah, exactly.

666
00:30:41,760 --> 00:30:44,040
Speaker 5: I think I bought them for like ten and sold

667
00:30:44,040 --> 00:30:46,280
Speaker 5: them for about thirty five dollars, And I'm like, oh,

668
00:30:46,360 --> 00:30:49,160
Speaker 5: that was really easy. And there wasn't much else going

669
00:30:49,200 --> 00:30:50,800
Speaker 5: on for me at the time, Like I think all

670
00:30:50,880 --> 00:30:53,120
Speaker 5: my plans had been put on hold, so I've been

671
00:30:53,400 --> 00:30:55,280
Speaker 5: technically I was stood down from my job.

672
00:30:55,440 --> 00:30:57,560
Speaker 4: What were you doing? Like, what was the type of

673
00:30:57,680 --> 00:30:59,080
Speaker 4: role you were stood down from?

674
00:30:59,160 --> 00:31:03,560
Speaker 5: So I got my first entry level job after UNI,

675
00:31:03,680 --> 00:31:06,320
Speaker 5: and that was doing background checks, so like when people

676
00:31:06,360 --> 00:31:09,120
Speaker 5: get a new job, they do their background check, so

677
00:31:09,160 --> 00:31:11,959
Speaker 5: it was processing that and I was only earning, like

678
00:31:12,240 --> 00:31:14,960
Speaker 5: I say, only sorry. I was like it was okay

679
00:31:14,960 --> 00:31:17,040
Speaker 5: for like someone who's just finished UNI. I think I

680
00:31:17,080 --> 00:31:20,080
Speaker 5: was on about forty five thousand dollars a year, but

681
00:31:20,160 --> 00:31:21,320
Speaker 5: I was casual, so.

682
00:31:21,600 --> 00:31:23,200
Speaker 4: Oh, you were one of the first to go.

683
00:31:23,480 --> 00:31:26,480
Speaker 5: Yeah, I was a week off being there for twelve

684
00:31:26,560 --> 00:31:27,640
Speaker 5: months or something like that.

685
00:31:27,760 --> 00:31:29,560
Speaker 4: Yeah, okay, And they were like see y'all.

686
00:31:29,880 --> 00:31:32,800
Speaker 5: Yeah, and they stood down. I think something like seventy

687
00:31:32,840 --> 00:31:36,000
Speaker 5: percent of you know, the workforce, which at the time, like,

688
00:31:36,160 --> 00:31:38,720
Speaker 5: I can completely understand why they had to do it, but.

689
00:31:38,600 --> 00:31:41,000
Speaker 4: It's so stressful at the time as well. And I

690
00:31:41,040 --> 00:31:44,280
Speaker 4: think that, you know, being stood down from any job sucks,

691
00:31:44,280 --> 00:31:46,920
Speaker 4: but being stood down from your first job in the

692
00:31:46,920 --> 00:31:51,040
Speaker 4: first twelve months at that pay level, you probably were

693
00:31:51,040 --> 00:31:53,800
Speaker 4: in a switch where you were like, is this me?

694
00:31:54,000 --> 00:31:55,800
Speaker 4: Did they get rid of me? Because I'm not good enough?

695
00:31:55,840 --> 00:31:57,920
Speaker 4: Even if I had put the facts on the table

696
00:31:57,920 --> 00:31:59,600
Speaker 4: for you and been like, seventy percent of people are

697
00:31:59,640 --> 00:32:01,800
Speaker 4: just losing their job because of the economic conditions. This

698
00:32:01,840 --> 00:32:04,720
Speaker 4: has got nothing to do with you, but you extrapolated

699
00:32:04,760 --> 00:32:07,640
Speaker 4: out you think it's you. But then also on a

700
00:32:07,640 --> 00:32:11,280
Speaker 4: forty five thousand dollars salary, you were probably like not

701
00:32:11,480 --> 00:32:14,680
Speaker 4: making ends meet that tightly, like it was probably a

702
00:32:14,720 --> 00:32:17,320
Speaker 4: massive stretch to do budgeting and you know, pay your

703
00:32:17,320 --> 00:32:19,239
Speaker 4: rent and do everything else. So you were like, well,

704
00:32:19,280 --> 00:32:21,960
Speaker 4: what am I going to do financially because I don't

705
00:32:22,000 --> 00:32:25,240
Speaker 4: have that much in savings. Because to expect someone who's

706
00:32:25,280 --> 00:32:27,360
Speaker 4: earning forty five grand to be able to save and

707
00:32:27,400 --> 00:32:30,280
Speaker 4: invest and have like a really healthy emergency fund, like

708
00:32:30,560 --> 00:32:34,200
Speaker 4: it's almost impossible, and so like, I think that would

709
00:32:34,200 --> 00:32:37,920
Speaker 4: have been additionally super stressful. Did your employer help you

710
00:32:37,960 --> 00:32:40,360
Speaker 4: by suggesting like job seeker or did you have to

711
00:32:40,400 --> 00:32:43,040
Speaker 4: do that yourself for like what type of support was

712
00:32:43,080 --> 00:32:45,040
Speaker 4: there for you when you got stood down?

713
00:32:45,200 --> 00:32:47,960
Speaker 5: I believe that we did get suggested to go onto

714
00:32:48,280 --> 00:32:50,760
Speaker 5: job seeker. Everyone that had been there for more than

715
00:32:50,800 --> 00:32:54,760
Speaker 5: twelve months went onto job keeper. We went onto job Seeker.

716
00:32:54,840 --> 00:32:57,440
Speaker 5: So and I had a few other coworkers obviously in

717
00:32:57,440 --> 00:32:59,360
Speaker 5: the same position as me, so we all kind of

718
00:33:00,080 --> 00:33:02,400
Speaker 5: kept in touch and we all did the same thing,

719
00:33:02,640 --> 00:33:06,240
Speaker 5: jumped onto that scheme. It was really great at the time, Like,

720
00:33:06,280 --> 00:33:08,640
Speaker 5: I'm very thankful that we had that. That was such

721
00:33:08,680 --> 00:33:11,600
Speaker 5: a great safety net for people like me who were

722
00:33:11,600 --> 00:33:14,560
Speaker 5: stood down. But also you have this kind of guilt,

723
00:33:14,600 --> 00:33:17,320
Speaker 5: and I felt bad about having this guilt because it

724
00:33:17,360 --> 00:33:18,720
Speaker 5: was unprecedented times.

725
00:33:18,760 --> 00:33:21,480
Speaker 4: As we always say, it's like the most triggering phrase.

726
00:33:21,760 --> 00:33:25,320
Speaker 4: I think that exists, right, I know it was unprecedented,

727
00:33:25,360 --> 00:33:26,640
Speaker 4: you're like covid run.

728
00:33:26,480 --> 00:33:28,920
Speaker 5: I know exactly, But yeah, there was a bit of

729
00:33:28,960 --> 00:33:32,320
Speaker 5: guilt for me because I felt like I've just finished UNI,

730
00:33:32,400 --> 00:33:34,280
Speaker 5: like it had been only like a year and a

731
00:33:34,280 --> 00:33:38,240
Speaker 5: little bit since I'd finished UNI. I had been working.

732
00:33:38,560 --> 00:33:41,120
Speaker 5: I was at the very start of my career, and

733
00:33:41,200 --> 00:33:43,880
Speaker 5: I just had to put everything on hold and felt

734
00:33:43,880 --> 00:33:46,880
Speaker 5: guilty for like taking taxpayer money at the time because

735
00:33:46,920 --> 00:33:49,880
Speaker 5: I'm like, I just felt, I don't know, like I

736
00:33:49,920 --> 00:33:53,320
Speaker 5: was a little bit lost. So yeah, that was really difficult.

737
00:33:53,440 --> 00:33:55,320
Speaker 4: I totally get it, though I had a heap of

738
00:33:55,320 --> 00:33:57,760
Speaker 4: friends going through that at the same time. I feel

739
00:33:57,800 --> 00:33:59,560
Speaker 4: like we were all stressed, like I was a business

740
00:33:59,560 --> 00:34:03,880
Speaker 4: owner and or still am. But I remember being like, hey, guys, like,

741
00:34:04,040 --> 00:34:06,440
Speaker 4: if you want, like you can take home your screens

742
00:34:06,600 --> 00:34:08,680
Speaker 4: because it'll probably be like two weeks and I don't

743
00:34:08,680 --> 00:34:11,200
Speaker 4: want you working at like your laptop for two weeks.

744
00:34:11,239 --> 00:34:13,840
Speaker 4: This is crazy, like see you. Then we all go

745
00:34:14,000 --> 00:34:16,680
Speaker 4: home and it was literally twelve months. Like during that

746
00:34:16,680 --> 00:34:19,160
Speaker 4: period of time, I canceled, like my office lease like

747
00:34:19,280 --> 00:34:23,799
Speaker 4: everything happened, and you're right, unprecedented, but you just never

748
00:34:23,880 --> 00:34:26,279
Speaker 4: knew what was coming next. And I think when you

749
00:34:26,320 --> 00:34:29,480
Speaker 4: look back, you're like, oh, that period of time that

750
00:34:29,600 --> 00:34:31,680
Speaker 4: really sucked. But for me, I think the thing that

751
00:34:31,800 --> 00:34:34,040
Speaker 4: sucked was not knowing when it was going to start

752
00:34:34,160 --> 00:34:37,040
Speaker 4: or end. So like you got sent home, you probably

753
00:34:37,040 --> 00:34:39,000
Speaker 4: lost your job, but you're like, am I going to

754
00:34:39,040 --> 00:34:40,439
Speaker 4: be able to go out and get a job next

755
00:34:40,440 --> 00:34:42,400
Speaker 4: week or next month or in a year, Like we

756
00:34:42,440 --> 00:34:44,440
Speaker 4: don't know what that looks like. And it's just like

757
00:34:44,880 --> 00:34:48,759
Speaker 4: living in limbo was probably the hardest thing. It wasn't

758
00:34:48,840 --> 00:34:51,320
Speaker 4: like being cooped up at home. We're both from Melbourne,

759
00:34:51,360 --> 00:34:54,120
Speaker 4: so that's really hard. Like I get it, but going

760
00:34:54,560 --> 00:34:57,439
Speaker 4: is this a year worth of you know, one hour

761
00:34:57,520 --> 00:35:00,520
Speaker 4: walks or is it like the next week can You'd

762
00:35:00,560 --> 00:35:03,400
Speaker 4: always watch like the Telly and see the updates and

763
00:35:03,440 --> 00:35:05,640
Speaker 4: be like, oh the numbers have gone down. Oh that's good,

764
00:35:05,640 --> 00:35:07,399
Speaker 4: that's good. And then I remember seeing them go back

765
00:35:07,440 --> 00:35:09,319
Speaker 4: up and being like I'm never watching TV again, Like

766
00:35:09,360 --> 00:35:11,960
Speaker 4: I'm just going to live in my office like insane.

767
00:35:12,080 --> 00:35:14,560
Speaker 5: I just had so much free time and I was

768
00:35:14,600 --> 00:35:17,960
Speaker 5: looking for jobs at that point, but because of the lockdowns,

769
00:35:18,040 --> 00:35:21,240
Speaker 5: like the job market was very oh it was crazy,

770
00:35:21,360 --> 00:35:24,719
Speaker 5: I guess sporadic with its hiring. It was, yeah, and

771
00:35:25,480 --> 00:35:28,200
Speaker 5: there wasn't a lot of opportunities out there. And I

772
00:35:28,239 --> 00:35:31,600
Speaker 5: also was a bit worried about going into an office

773
00:35:31,600 --> 00:35:33,879
Speaker 5: because some of the jobs that were hiring you had

774
00:35:33,920 --> 00:35:36,759
Speaker 5: to go into an office because they were they were

775
00:35:36,800 --> 00:35:40,160
Speaker 5: like essential worker jobs. And I didn't really also want

776
00:35:40,200 --> 00:35:42,759
Speaker 5: to be because I was with my parents then and

777
00:35:42,840 --> 00:35:45,360
Speaker 5: I didn't want to be exposing them in case I

778
00:35:45,400 --> 00:35:47,560
Speaker 5: brought because this is when we didn't know what it

779
00:35:47,719 --> 00:35:50,920
Speaker 5: was like getting COVID, Like you would barely know anyone

780
00:35:50,960 --> 00:35:53,640
Speaker 5: that had had it. Now obviously we've you know, most

781
00:35:53,680 --> 00:35:55,279
Speaker 5: of us have had it, so we know what it's like.

782
00:35:55,600 --> 00:35:58,320
Speaker 4: It's gross. Yeah, one out of ten cannot recommend.

783
00:35:58,480 --> 00:35:59,320
Speaker 2: Yeah, exactly.

784
00:35:59,719 --> 00:35:59,919
Speaker 1: Yeah.

785
00:36:00,120 --> 00:36:02,560
Speaker 2: So during that time, yeah, just feeling a little bit

786
00:36:02,600 --> 00:36:03,040
Speaker 2: lost and it.

787
00:36:03,320 --> 00:36:05,279
Speaker 4: Was just a lot, wasn't it all right? I want

788
00:36:05,280 --> 00:36:07,280
Speaker 4: to go back on track and talk about your little

789
00:36:07,680 --> 00:36:10,600
Speaker 4: side hustle. So you sold a pair of Camilla and

790
00:36:10,680 --> 00:36:13,720
Speaker 4: Mark pants and someone bought them, and you were like, damn,

791
00:36:13,800 --> 00:36:16,960
Speaker 4: that worked quite well. Was that then like the floodgates

792
00:36:16,960 --> 00:36:19,200
Speaker 4: of you going off shopping all the time or was

793
00:36:19,200 --> 00:36:21,719
Speaker 4: it like what was next? How did this scale? How

794
00:36:21,760 --> 00:36:23,799
Speaker 4: did you end up being able to pay twenty five

795
00:36:23,840 --> 00:36:25,920
Speaker 4: thousand dollars off in a lump sum, like there's a

796
00:36:25,960 --> 00:36:28,360
Speaker 4: few things missing from the Camilla and Mark pants to

797
00:36:28,440 --> 00:36:28,960
Speaker 4: Then I.

798
00:36:28,920 --> 00:36:31,120
Speaker 5: Guess I wouldn't say that I go all the time,

799
00:36:31,200 --> 00:36:33,759
Speaker 5: but I started probably going a little bit more than

800
00:36:33,800 --> 00:36:37,360
Speaker 5: I had been at the time. So obviously in between lockdowns,

801
00:36:37,360 --> 00:36:39,799
Speaker 5: I would go because it was something to do, and

802
00:36:39,960 --> 00:36:43,320
Speaker 5: I would go for myself anyway. So I'd be going

803
00:36:43,719 --> 00:36:46,560
Speaker 5: kind of going through the racks and everything, and if

804
00:36:46,560 --> 00:36:49,920
Speaker 5: I found something where it wasn't for me, but it

805
00:36:49,960 --> 00:36:52,359
Speaker 5: was a nice item or good quality or a good

806
00:36:52,400 --> 00:36:56,839
Speaker 5: brand or hopefully like a combination of all those three criteria,

807
00:36:56,880 --> 00:36:58,879
Speaker 5: then I would pick that up take it home.

808
00:36:59,040 --> 00:37:00,560
Speaker 2: Often like they need a little.

809
00:37:00,360 --> 00:37:03,640
Speaker 4: Bit of a hush, a little steam exactly.

810
00:37:03,719 --> 00:37:05,719
Speaker 5: Oh, they need like a wash, or they need like

811
00:37:05,719 --> 00:37:07,600
Speaker 5: they've got a tiny mark on them and they just

812
00:37:07,640 --> 00:37:10,239
Speaker 5: need a stain removed and then they're like perfect, like

813
00:37:10,680 --> 00:37:13,640
Speaker 5: basically look brand new. So I would just kind of

814
00:37:13,719 --> 00:37:15,399
Speaker 5: do that and that was a good way to fill

815
00:37:15,400 --> 00:37:16,839
Speaker 5: in my time then as well.

816
00:37:16,920 --> 00:37:18,719
Speaker 4: Yeah, one hundred percent, I would have been like this

817
00:37:18,760 --> 00:37:20,799
Speaker 4: is a great side hustle. It's also kind of fun.

818
00:37:20,960 --> 00:37:22,960
Speaker 5: It was so much fun for me, like it still is,

819
00:37:23,000 --> 00:37:26,239
Speaker 5: like it's honestly just treasure hunting, like so good.

820
00:37:26,040 --> 00:37:28,239
Speaker 4: And you're making money from it. And if you know,

821
00:37:28,600 --> 00:37:30,920
Speaker 4: like if you've got a good eye for fashion, which

822
00:37:31,040 --> 00:37:34,040
Speaker 4: I sometimes don't have, I feel like you'd be able

823
00:37:34,080 --> 00:37:35,799
Speaker 4: to go, you know what, I wouldn't wear that, but

824
00:37:35,840 --> 00:37:37,799
Speaker 4: that would sell well, Like you would start to get

825
00:37:37,800 --> 00:37:40,120
Speaker 4: to know what does well and what doesn't do well.

826
00:37:40,239 --> 00:37:43,160
Speaker 5: Like yeah, and there's definitely like sleeper items that people

827
00:37:43,280 --> 00:37:46,000
Speaker 5: like go past and then you'll suddenly see them and

828
00:37:46,040 --> 00:37:48,080
Speaker 5: you're like, oh my god, how has no one picked

829
00:37:48,120 --> 00:37:48,880
Speaker 5: us up yet today?

830
00:37:49,040 --> 00:37:50,799
Speaker 2: Like you're there at the end of the.

831
00:37:50,760 --> 00:37:53,160
Speaker 5: Day, like you know, they're probably an hour away from closing,

832
00:37:53,200 --> 00:37:55,200
Speaker 5: and you're just like, is anyone else seeing this?

833
00:37:55,480 --> 00:37:59,080
Speaker 4: Like and you just like snap it up, runway.

834
00:37:58,800 --> 00:38:01,200
Speaker 5: One hundred percent, like, oh, tell anyone, don't tell anyone

835
00:38:01,200 --> 00:38:02,120
Speaker 5: how much does is worth?

836
00:38:02,600 --> 00:38:05,200
Speaker 4: You're like, has someone put this down and not meant to?

837
00:38:05,480 --> 00:38:06,080
Speaker 4: Like run?

838
00:38:06,239 --> 00:38:06,680
Speaker 2: I don't?

839
00:38:06,800 --> 00:38:09,839
Speaker 4: I know? I love it? So then you just scaled it.

840
00:38:09,880 --> 00:38:12,360
Speaker 4: How have you managed to make obviously more than twenty

841
00:38:12,360 --> 00:38:14,480
Speaker 4: five grand and having to pay tax on it? Like

842
00:38:14,800 --> 00:38:17,520
Speaker 4: do you go every weekend? Do you do this every day? Like,

843
00:38:17,560 --> 00:38:19,200
Speaker 4: how much of your time does this take up?

844
00:38:19,320 --> 00:38:19,560
Speaker 2: For me?

845
00:38:19,719 --> 00:38:22,279
Speaker 5: It's usually like probably I'd say I go two days

846
00:38:22,320 --> 00:38:25,240
Speaker 5: a week, So usually I do like one day after work,

847
00:38:25,400 --> 00:38:27,600
Speaker 5: I'll go for like a couple of hours, and then

848
00:38:27,840 --> 00:38:30,760
Speaker 5: usually maybe on the weekend as well. And it depends

849
00:38:30,800 --> 00:38:33,120
Speaker 5: so much on the week, Like you know, some weeks

850
00:38:33,120 --> 00:38:35,520
Speaker 5: I might buy one or two things. Other weeks I

851
00:38:35,600 --> 00:38:40,000
Speaker 5: might buy like fifteen things. Definitely, it depends. And I

852
00:38:40,000 --> 00:38:43,160
Speaker 5: guess obviously when I wasn't working, like, I had a

853
00:38:43,200 --> 00:38:45,560
Speaker 5: lot of flexibility, so I was able to like, you know,

854
00:38:45,640 --> 00:38:47,640
Speaker 5: get out of bed, go do this, you know, in

855
00:38:47,680 --> 00:38:51,239
Speaker 5: the morning, and then spend the afternoon like taking photos,

856
00:38:51,280 --> 00:38:54,279
Speaker 5: putting them up online working on my listings because I

857
00:38:54,360 --> 00:38:56,160
Speaker 5: use predominantly eBay for it.

858
00:38:56,400 --> 00:38:58,920
Speaker 4: Why eBay tell us about that? Because I feel like

859
00:38:59,000 --> 00:39:01,480
Speaker 4: there's the rise of das pop right and everybody is

860
00:39:01,520 --> 00:39:04,240
Speaker 4: like get on deepop, and like I've buy stuff on Deepop,

861
00:39:04,280 --> 00:39:05,960
Speaker 4: but like eBay's better, you reckon.

862
00:39:06,080 --> 00:39:07,120
Speaker 2: I guess it just depends.

863
00:39:07,120 --> 00:39:09,799
Speaker 5: Like there's obviously different platforms to sell on, and some

864
00:39:09,840 --> 00:39:12,960
Speaker 5: people are very into their Facebook marketplace, some people are

865
00:39:13,040 --> 00:39:14,000
Speaker 5: very into Deepop.

866
00:39:14,440 --> 00:39:15,600
Speaker 2: I've tried both of those.

867
00:39:15,719 --> 00:39:19,000
Speaker 5: I think eBay are just like because I find I

868
00:39:19,040 --> 00:39:21,719
Speaker 5: haven't had this issue so much with Deepop, but with

869
00:39:21,800 --> 00:39:26,400
Speaker 5: Facebook Marketplace, I find it's a real pain sometimes, Like, oh.

870
00:39:26,320 --> 00:39:28,640
Speaker 4: I can't deal with Facebook Marketplace. If you follow me

871
00:39:28,680 --> 00:39:31,880
Speaker 4: on Instagram, I've been on many a Facebook Marketplace rant

872
00:39:32,239 --> 00:39:35,960
Speaker 4: like the people on their I swear they're crazy, Like

873
00:39:36,080 --> 00:39:38,480
Speaker 4: people are unhinged on Facebook Marketplace.

874
00:39:38,760 --> 00:39:41,719
Speaker 5: Like it's the scams sometimes, like you'll get that and

875
00:39:41,760 --> 00:39:43,440
Speaker 5: straight away pretty much I can pick up.

876
00:39:43,440 --> 00:39:44,680
Speaker 2: I'm like, that's scam, Like.

877
00:39:44,600 --> 00:39:45,760
Speaker 4: I'm not an idiot.

878
00:39:46,200 --> 00:39:46,920
Speaker 2: But it's more the.

879
00:39:46,880 --> 00:39:50,120
Speaker 5: Ghosting is the thing that I find, like with Marketplace,

880
00:39:50,160 --> 00:39:53,080
Speaker 5: because the thing is, I think people find something, they're

881
00:39:53,160 --> 00:39:55,440
Speaker 5: all keen to buy it. You get like organized with

882
00:39:55,480 --> 00:39:59,439
Speaker 5: the transaction details and everything, and then they just ghost you.

883
00:39:58,880 --> 00:39:59,920
Speaker 2: No I know.

884
00:40:00,239 --> 00:40:01,960
Speaker 5: And then on eBay I think it's a little bit

885
00:40:01,960 --> 00:40:05,200
Speaker 5: different where eBay is more like they're kind of locked

886
00:40:05,200 --> 00:40:07,759
Speaker 5: in to buy, you know, and it's very rare that

887
00:40:07,960 --> 00:40:10,839
Speaker 5: you won't get someone who's you know, committed to buy

888
00:40:10,880 --> 00:40:12,640
Speaker 5: something and then they go back on that like it

889
00:40:12,680 --> 00:40:16,000
Speaker 5: does happen, but nowhere near like it does on Marketplace.

890
00:40:16,080 --> 00:40:16,279
Speaker 2: Yeah.

891
00:40:16,360 --> 00:40:19,160
Speaker 4: No, I feel like eBay's just really transactional people like

892
00:40:19,320 --> 00:40:22,719
Speaker 4: understand it's an online like sales platform. I feel like

893
00:40:23,400 --> 00:40:26,719
Speaker 4: deepop feels a bit more DIY even though it's not.

894
00:40:27,000 --> 00:40:29,600
Speaker 4: And then Facebook Marketplace feels like the wild West.

895
00:40:29,360 --> 00:40:31,879
Speaker 5: One hundred percent, and I think with Marketplace as well,

896
00:40:31,920 --> 00:40:34,000
Speaker 5: like I just find like people be like, oh, can

897
00:40:34,080 --> 00:40:38,120
Speaker 5: you come to this suburb on a Tuesday at twelve

898
00:40:38,280 --> 00:40:39,759
Speaker 5: and drop this off?

899
00:40:39,800 --> 00:40:41,160
Speaker 2: And I'm just like, oh my god.

900
00:40:41,040 --> 00:40:43,399
Speaker 4: Like absolutely, I can't. I gave away so much free

901
00:40:43,440 --> 00:40:46,359
Speaker 4: stuff recently because I was having like a big clean out,

902
00:40:46,440 --> 00:40:47,799
Speaker 4: and you know when you're like I just wanted to

903
00:40:47,800 --> 00:40:49,680
Speaker 4: go to a good home, Like, I just don't want

904
00:40:50,080 --> 00:40:53,720
Speaker 4: to spend like weeks negotiating with people to make money

905
00:40:53,719 --> 00:40:56,120
Speaker 4: from this. I would actually just prefer some lucky person

906
00:40:56,239 --> 00:40:58,000
Speaker 4: to see it for free and then come and get it.

907
00:40:58,640 --> 00:41:01,000
Speaker 4: I wish I never did that because the amount of

908
00:41:01,040 --> 00:41:02,960
Speaker 4: people that were like, oh, can you deliver, and I'm

909
00:41:03,000 --> 00:41:06,000
Speaker 4: like no, the listing literally says don't deliver, and They're like,

910
00:41:06,239 --> 00:41:08,520
Speaker 4: I have three kids, are you really gonna take this

911
00:41:08,560 --> 00:41:09,400
Speaker 4: away from my children?

912
00:41:10,920 --> 00:41:11,120
Speaker 2: Yeah?

913
00:41:11,120 --> 00:41:15,600
Speaker 4: I think I might actually like what, like it's free

914
00:41:16,040 --> 00:41:19,239
Speaker 4: and you should be paying for this normally, Like come

915
00:41:19,280 --> 00:41:20,600
Speaker 4: and get it yourself.

916
00:41:21,000 --> 00:41:23,160
Speaker 2: I know it's Yeah, it is exhausting.

917
00:41:23,239 --> 00:41:25,919
Speaker 5: So that's why I've been sticking with eBay for quite

918
00:41:25,920 --> 00:41:28,400
Speaker 5: a while. Yeah, and at the moment, I think I

919
00:41:28,480 --> 00:41:31,799
Speaker 5: try to do like every probably second day, I'll try

920
00:41:31,800 --> 00:41:35,080
Speaker 5: and do at least one listing. I'll do a couple usually,

921
00:41:35,200 --> 00:41:37,160
Speaker 5: but I'll try to get at least one just so

922
00:41:37,200 --> 00:41:40,080
Speaker 5: it keeps triggering the algorithm to pick up my items.

923
00:41:40,200 --> 00:41:42,600
Speaker 4: Yes, smart, Smart, she's on top of it. And is

924
00:41:42,640 --> 00:41:44,040
Speaker 4: that a thing that you've had to do a bit

925
00:41:44,080 --> 00:41:46,560
Speaker 4: of research into, so not just like popping things up

926
00:41:46,560 --> 00:41:49,319
Speaker 4: for sale, but like you said, algorithm before, I'd never

927
00:41:49,360 --> 00:41:50,160
Speaker 4: even thought about that.

928
00:41:50,239 --> 00:41:52,839
Speaker 5: On eBay, there's a lot of YouTube videos, so like,

929
00:41:52,960 --> 00:41:55,799
Speaker 5: I highly recommend checking out if this is something you're

930
00:41:55,840 --> 00:41:58,400
Speaker 5: interested in or even just selling your own stuff like

931
00:41:58,480 --> 00:42:00,680
Speaker 5: this is also I guess how I started back in

932
00:42:00,719 --> 00:42:03,920
Speaker 5: the day just selling my own things. So yeah, I

933
00:42:03,920 --> 00:42:06,840
Speaker 5: did a bit of research on YouTube and there's a

934
00:42:06,880 --> 00:42:09,880
Speaker 5: few things I guess that triggers your items to be

935
00:42:09,920 --> 00:42:12,680
Speaker 5: shown up higher. And it definitely works, I think, because

936
00:42:12,760 --> 00:42:14,920
Speaker 5: if I don't do anything on eBay for like a

937
00:42:14,960 --> 00:42:18,399
Speaker 5: few days, I definitely am not selling things where even

938
00:42:18,480 --> 00:42:20,160
Speaker 5: if I do things like I'll jump on there and

939
00:42:20,200 --> 00:42:23,319
Speaker 5: I'll leave some feedback or I'll you know, make sure

940
00:42:23,320 --> 00:42:24,840
Speaker 5: that I shap my items quickly.

941
00:42:24,960 --> 00:42:27,760
Speaker 4: You just do something just like interact on your account

942
00:42:27,800 --> 00:42:28,480
Speaker 4: every day.

943
00:42:28,480 --> 00:42:31,520
Speaker 5: Exactly one hundred percent. So that's what kind of keeps

944
00:42:31,560 --> 00:42:33,400
Speaker 5: things like ticking over for me.

945
00:42:33,640 --> 00:42:34,200
Speaker 4: I love that.

946
00:42:34,480 --> 00:42:35,680
Speaker 2: Yeah, and it's been great.

947
00:42:35,760 --> 00:42:39,520
Speaker 5: So since I started working full time again, like and

948
00:42:39,560 --> 00:42:41,799
Speaker 5: this is a couple of years obviously ago now, so

949
00:42:42,280 --> 00:42:44,760
Speaker 5: it's been a while, I've been just fitting this around

950
00:42:44,760 --> 00:42:48,480
Speaker 5: my work and that's been like actually a lot easier

951
00:42:48,480 --> 00:42:50,200
Speaker 5: than I kind of expected it to be. I think

952
00:42:50,239 --> 00:42:52,640
Speaker 5: it's just because it's something that I find really interesting

953
00:42:53,440 --> 00:42:54,440
Speaker 5: and I enjoy doing.

954
00:42:54,520 --> 00:42:56,799
Speaker 4: It's a literal hobby, Like it's something that you can

955
00:42:56,840 --> 00:42:58,640
Speaker 4: do on the weekend that you enjoy. And I mean,

956
00:42:58,680 --> 00:43:01,120
Speaker 4: you're making money from your hobby. I'm not making any

957
00:43:01,120 --> 00:43:03,280
Speaker 4: money from my hobbies. All they do is pour money

958
00:43:03,320 --> 00:43:06,160
Speaker 4: into them, and then I don't actually have the time

959
00:43:06,200 --> 00:43:08,480
Speaker 4: to do the things, so I get quite literally nothing

960
00:43:08,480 --> 00:43:11,399
Speaker 4: out of them. So kudos to you for actually doing it.

961
00:43:11,920 --> 00:43:13,960
Speaker 5: Yeah, And I think it's like, I don't know, I

962
00:43:14,080 --> 00:43:16,480
Speaker 5: just recommend if anyone wants to take on a side hustle.

963
00:43:17,000 --> 00:43:18,959
Speaker 5: I would be looking at your area of interest because

964
00:43:18,960 --> 00:43:21,040
Speaker 5: that's when you invest the time and you don't feel

965
00:43:21,040 --> 00:43:24,800
Speaker 5: like you're investing it. So like if you love driving,

966
00:43:24,840 --> 00:43:27,560
Speaker 5: for example, like if that's I don't know, something you enjoy,

967
00:43:27,640 --> 00:43:29,640
Speaker 5: then I guess you could look into like UBE It's

968
00:43:29,719 --> 00:43:32,720
Speaker 5: driving or that kind of thing, because like you're actually

969
00:43:32,800 --> 00:43:35,560
Speaker 5: gonna enjoy what you're doing with I guess your downtime

970
00:43:35,600 --> 00:43:36,440
Speaker 5: outside of work.

971
00:43:36,600 --> 00:43:39,399
Speaker 4: Yeah, no, I think that's so important. I always get

972
00:43:39,440 --> 00:43:41,560
Speaker 4: asked like, oh, what's a good side hustle, and it's

973
00:43:41,560 --> 00:43:44,600
Speaker 4: like one that you're interested in, like one that you

974
00:43:44,640 --> 00:43:47,480
Speaker 4: know doesn't take all your mental energy. Like if you

975
00:43:47,520 --> 00:43:51,160
Speaker 4: get carsick, uberits driving is probably not for you. I

976
00:43:51,160 --> 00:43:53,920
Speaker 4: think it's making sure that you're into it. Or if

977
00:43:53,960 --> 00:43:56,200
Speaker 4: you have the worst fashion sense in the entire world

978
00:43:56,200 --> 00:43:59,720
Speaker 4: and you hate op shops, probably not flipping clothes on eBay,

979
00:44:00,160 --> 00:44:02,360
Speaker 4: Like I feel like you've got to look into it.

980
00:44:02,400 --> 00:44:04,560
Speaker 4: But there are so many ways to make additional cash

981
00:44:04,600 --> 00:44:08,920
Speaker 4: these days that it's so accessible, like and even stuff

982
00:44:08,960 --> 00:44:11,759
Speaker 4: like what you're doing if you can't work full time

983
00:44:11,880 --> 00:44:14,200
Speaker 4: or there's a reason like that you can't do, you know,

984
00:44:14,280 --> 00:44:16,759
Speaker 4: a manual job like something like this could be like

985
00:44:17,160 --> 00:44:20,239
Speaker 4: fit into what you are already doing to make some

986
00:44:20,320 --> 00:44:23,400
Speaker 4: extra cash, or like even getting on air Tasker. I

987
00:44:23,440 --> 00:44:25,239
Speaker 4: find I've got a couple of friends who do that

988
00:44:25,400 --> 00:44:28,840
Speaker 4: and they just take up random jobs and it works

989
00:44:28,920 --> 00:44:31,759
Speaker 4: so well and they actually make so much money from

990
00:44:31,760 --> 00:44:35,240
Speaker 4: it because often people on air Tasker they want stuff now,

991
00:44:35,440 --> 00:44:37,160
Speaker 4: so they're happy to pay a bit of a premium

992
00:44:37,200 --> 00:44:40,680
Speaker 4: for it. And you're like, well why not, yeah exactly,

993
00:44:41,120 --> 00:44:43,520
Speaker 4: So tell me do you think that's your best money habit?

994
00:44:43,520 --> 00:44:45,360
Speaker 4: If not, what do you think is your best money habit.

995
00:44:45,560 --> 00:44:48,799
Speaker 5: I think my best money habit is that I'm very

996
00:44:48,960 --> 00:44:51,000
Speaker 5: like when I have a budget, I stick to it.

997
00:44:51,680 --> 00:44:54,560
Speaker 5: All my money when it comes in, like whether it's

998
00:44:54,600 --> 00:44:59,040
Speaker 5: from my eBay or my job or you know, my

999
00:44:59,160 --> 00:45:02,360
Speaker 5: interest from my back accounts, it all has a place

1000
00:45:02,400 --> 00:45:05,560
Speaker 5: to go. So it's working for me. And I never

1001
00:45:05,640 --> 00:45:08,520
Speaker 5: want to see my savings account go down, which obviously

1002
00:45:08,560 --> 00:45:10,800
Speaker 5: it's going to have to when I buy a house,

1003
00:45:10,840 --> 00:45:12,160
Speaker 5: but until that point.

1004
00:45:11,960 --> 00:45:14,319
Speaker 4: But that feels like a value exchange right, Like that

1005
00:45:14,360 --> 00:45:16,279
Speaker 4: feels like, well I got a house, Like I don't

1006
00:45:16,280 --> 00:45:18,120
Speaker 4: want to see my savings account go down and I

1007
00:45:18,200 --> 00:45:19,320
Speaker 4: got nothing in exchange.

1008
00:45:19,560 --> 00:45:20,360
Speaker 2: Yeah, exactly.

1009
00:45:20,560 --> 00:45:23,600
Speaker 5: So I think for me, just sticking to a budget

1010
00:45:23,840 --> 00:45:27,200
Speaker 5: and making sure that I don't see my money, like

1011
00:45:27,280 --> 00:45:29,680
Speaker 5: all of my money that's there is something that I

1012
00:45:29,680 --> 00:45:31,279
Speaker 5: can use whenever I want.

1013
00:45:31,480 --> 00:45:33,360
Speaker 4: Tell me about a budget, though, because I feel like

1014
00:45:33,360 --> 00:45:36,160
Speaker 4: so many times we say, oh, I stick to a budget.

1015
00:45:36,320 --> 00:45:38,800
Speaker 4: Does that mean that you are, you know, getting cash

1016
00:45:38,800 --> 00:45:41,160
Speaker 4: out of the bank every week and putting money in envelopes?

1017
00:45:41,280 --> 00:45:43,520
Speaker 4: Or does it mean that you have a spreadsheet or

1018
00:45:43,520 --> 00:45:45,720
Speaker 4: do you have an app? Like how do you budget?

1019
00:45:45,719 --> 00:45:46,600
Speaker 4: How does it work for you?

1020
00:45:46,719 --> 00:45:49,800
Speaker 5: For me, I've got a couple of different bank accounts,

1021
00:45:49,800 --> 00:45:52,239
Speaker 5: so I've got like a holiday fund, I've got like

1022
00:45:52,239 --> 00:45:55,440
Speaker 5: a treat yourself fund, got obviously like my house deposit

1023
00:45:55,520 --> 00:45:59,319
Speaker 5: savings account. Every time I get paid from my job.

1024
00:45:59,840 --> 00:46:03,319
Speaker 5: I've got automated transfers, so they all go to their

1025
00:46:04,000 --> 00:46:07,120
Speaker 5: set accounts so they can all increase by you know,

1026
00:46:07,160 --> 00:46:09,279
Speaker 5: whatever I deem to be appropriate at the time. So

1027
00:46:09,400 --> 00:46:12,440
Speaker 5: like I've kind of put my travel account on the

1028
00:46:12,440 --> 00:46:14,480
Speaker 5: back burner a little bit, Like I'm not putting in

1029
00:46:14,520 --> 00:46:16,560
Speaker 5: as much money at the moment, but I'm putting a

1030
00:46:16,560 --> 00:46:19,759
Speaker 5: little bit more into things like my emergency fund now,

1031
00:46:20,520 --> 00:46:23,959
Speaker 5: just to build that up before buying a house. So yeah,

1032
00:46:24,000 --> 00:46:27,520
Speaker 5: that's all automated, and then my eBay income is I

1033
00:46:27,560 --> 00:46:29,760
Speaker 5: don't even look at it. I don't treat it as

1034
00:46:30,320 --> 00:46:32,759
Speaker 5: like my money, if that makes sense, Like, oh I

1035
00:46:32,840 --> 00:46:35,240
Speaker 5: love that. Yeah, it's just kind of like a little

1036
00:46:35,280 --> 00:46:38,080
Speaker 5: extra addition. Like at the moment, now it goes onto

1037
00:46:38,200 --> 00:46:42,160
Speaker 5: my house deposit, and previously I just chucked it basically

1038
00:46:42,200 --> 00:46:44,360
Speaker 5: into a separate savings account and that's.

1039
00:46:44,200 --> 00:46:47,000
Speaker 2: Where I kind of it wasn't intended to be to

1040
00:46:47,000 --> 00:46:49,799
Speaker 2: pay off my hex debt, but it worked. Yeah.

1041
00:46:49,840 --> 00:46:53,160
Speaker 5: I know, we got to this point midyear last year.

1042
00:46:53,200 --> 00:46:56,000
Speaker 5: I believe it was where I think the indexation rate

1043
00:46:56,080 --> 00:46:58,320
Speaker 5: was going up by like seven percent or something.

1044
00:46:58,440 --> 00:47:01,680
Speaker 4: Yeah, yeah, yeah, you'd be pretty frustrated now having seen

1045
00:47:01,719 --> 00:47:04,600
Speaker 4: the discounts that are being replied, though, Hey, but you

1046
00:47:04,719 --> 00:47:06,640
Speaker 4: have no debts, so you're the real winner here.

1047
00:47:06,840 --> 00:47:07,240
Speaker 2: Yeah.

1048
00:47:07,280 --> 00:47:09,080
Speaker 5: I saw that, and I was just like, it feels

1049
00:47:09,080 --> 00:47:11,839
Speaker 5: a bit like pointless, Like I just you know, all

1050
00:47:11,840 --> 00:47:13,759
Speaker 5: this money was taken out of my paychecks for the

1051
00:47:13,840 --> 00:47:16,600
Speaker 5: last year, and like it's about to suddenly.

1052
00:47:16,200 --> 00:47:18,480
Speaker 2: Go up by like two thousand dollars. Well, I can't

1053
00:47:18,520 --> 00:47:19,239
Speaker 2: remember what it was.

1054
00:47:19,280 --> 00:47:22,640
Speaker 5: It was a bit and I just was looking at

1055
00:47:22,760 --> 00:47:25,440
Speaker 5: the money that I'd set aside from doing my side hustle,

1056
00:47:25,440 --> 00:47:28,279
Speaker 5: and I was like, oh, hold on, yeah, I might

1057
00:47:28,320 --> 00:47:30,120
Speaker 5: as well just chuck that in there.

1058
00:47:30,640 --> 00:47:33,120
Speaker 4: Oh I love that. That makes me so happy that

1059
00:47:33,160 --> 00:47:35,279
Speaker 4: you were able to do that. What do you think

1060
00:47:35,360 --> 00:47:36,080
Speaker 4: is your worst money?

1061
00:47:36,080 --> 00:47:36,279
Speaker 2: Have it?

1062
00:47:36,320 --> 00:47:38,279
Speaker 4: Though? I feel like you're so good at money and

1063
00:47:39,239 --> 00:47:40,160
Speaker 4: is there a bad one?

1064
00:47:40,239 --> 00:47:40,560
Speaker 2: Oh?

1065
00:47:40,640 --> 00:47:42,920
Speaker 5: I feel like I definitely have a couple. And that's

1066
00:47:42,960 --> 00:47:45,320
Speaker 5: why i'd say, like I'm in the B range. I

1067
00:47:45,360 --> 00:47:47,640
Speaker 5: would say probably for me. The worst thing that I

1068
00:47:47,760 --> 00:47:51,160
Speaker 5: do is like, I'm not great with checking my subscriptions.

1069
00:47:51,320 --> 00:47:53,640
Speaker 4: Oh wait, none of us are. None of us are.

1070
00:47:53,719 --> 00:47:55,840
Speaker 4: I always see the notification pop up and it's like

1071
00:47:55,920 --> 00:47:59,200
Speaker 4: Apple charge, and then all of a sudden, I forget

1072
00:47:59,239 --> 00:48:00,879
Speaker 4: that I was meant to check something and it's four

1073
00:48:00,880 --> 00:48:01,760
Speaker 4: months down the road.

1074
00:48:01,640 --> 00:48:02,560
Speaker 2: To hundred percent.

1075
00:48:02,680 --> 00:48:02,879
Speaker 4: Yeah.

1076
00:48:02,960 --> 00:48:06,359
Speaker 5: So that's something I've started putting down a list of

1077
00:48:06,600 --> 00:48:09,319
Speaker 5: I guess it's like my procrastination list of things that

1078
00:48:09,480 --> 00:48:11,640
Speaker 5: like I need to do but I really don't want

1079
00:48:11,680 --> 00:48:13,760
Speaker 5: to do. Like it's just things that I'm not looking

1080
00:48:13,800 --> 00:48:16,360
Speaker 5: forward to. But I love like a list and I

1081
00:48:16,400 --> 00:48:17,720
Speaker 5: love ticking things off a list.

1082
00:48:17,880 --> 00:48:19,240
Speaker 4: She's type a exactly.

1083
00:48:19,440 --> 00:48:21,960
Speaker 5: So I'm like, I'll put together this little list and

1084
00:48:22,000 --> 00:48:24,200
Speaker 5: then I'm just going to work through it, like even

1085
00:48:24,200 --> 00:48:27,680
Speaker 5: if it's like one thing a week, and things like insurances,

1086
00:48:27,840 --> 00:48:30,080
Speaker 5: like checking and making sure I've got the best deal

1087
00:48:30,160 --> 00:48:31,960
Speaker 5: for all of those, because that's definitely been on the

1088
00:48:32,000 --> 00:48:34,320
Speaker 5: backburn of the last few months. I haven't been thinking

1089
00:48:34,360 --> 00:48:37,040
Speaker 5: about it. So it'd be good just to kind of

1090
00:48:37,080 --> 00:48:40,640
Speaker 5: know that I'm in the best situation prior to actually

1091
00:48:40,680 --> 00:48:41,480
Speaker 5: buying the house.

1092
00:48:41,680 --> 00:48:41,839
Speaker 2: Yeah.

1093
00:48:41,960 --> 00:48:44,560
Speaker 4: Smart, Smart. That reminds me I do need to get

1094
00:48:44,560 --> 00:48:47,560
Speaker 4: my insurances updated again now that Harvey has arrived, Like

1095
00:48:47,560 --> 00:48:49,160
Speaker 4: I did it while I was pregnant. Now things have

1096
00:48:49,280 --> 00:48:51,399
Speaker 4: changed together, Like, there's just a lot to do right

1097
00:48:52,560 --> 00:48:55,040
Speaker 4: money diarist, what would it take to get you from

1098
00:48:55,080 --> 00:48:57,719
Speaker 4: a B to an A plus? What does that actually

1099
00:48:57,760 --> 00:48:58,960
Speaker 4: look like in your life?

1100
00:48:59,040 --> 00:49:00,440
Speaker 2: I think for me it's education.

1101
00:49:00,680 --> 00:49:03,759
Speaker 4: I can help. I can help there. Yeah, I've got you.

1102
00:49:03,800 --> 00:49:06,000
Speaker 4: I've got you. I feel like that is one thing

1103
00:49:06,080 --> 00:49:08,200
Speaker 4: that I do well. So you're on the right track,

1104
00:49:08,239 --> 00:49:11,879
Speaker 4: You're in the right place. But what about education, Because

1105
00:49:11,920 --> 00:49:14,600
Speaker 4: at the start of this episode, you said, I feel

1106
00:49:14,640 --> 00:49:16,400
Speaker 4: like I've done so much research when it comes to

1107
00:49:16,600 --> 00:49:20,640
Speaker 4: investing platforms, but I have analysis paralysis. So is education

1108
00:49:20,800 --> 00:49:24,560
Speaker 4: and confidence or is it like a particular part of educating,

1109
00:49:24,600 --> 00:49:25,359
Speaker 4: Like what do we need?

1110
00:49:25,520 --> 00:49:29,040
Speaker 5: I think definitely the education and the confidence, like you mentioned,

1111
00:49:29,080 --> 00:49:31,200
Speaker 5: I think that would be really important for me to

1112
00:49:31,200 --> 00:49:35,120
Speaker 5: be able to make that step into you know, proper investing.

1113
00:49:35,760 --> 00:49:39,560
Speaker 5: I just feel like I understand investing, but it's just

1114
00:49:39,800 --> 00:49:43,560
Speaker 5: all the different platforms and the different ways people go

1115
00:49:43,680 --> 00:49:46,200
Speaker 5: about like setting it aside and you know, putting it

1116
00:49:46,239 --> 00:49:47,040
Speaker 5: into investments.

1117
00:49:47,080 --> 00:49:48,799
Speaker 2: I just get a little bit overwhelmed with that.

1118
00:49:48,880 --> 00:49:52,080
Speaker 4: So, yeah, that's so fair. That is so fair money, Dirist.

1119
00:49:52,120 --> 00:49:54,640
Speaker 4: I feel like that's been a really relatable but also

1120
00:49:54,680 --> 00:49:57,920
Speaker 4: inspirational story. Like I love that you're like, yep, I

1121
00:49:57,920 --> 00:50:00,400
Speaker 4: get to go op shopping and like I just started

1122
00:50:00,400 --> 00:50:02,560
Speaker 4: by flipping some Camilla and Mark pants and then all

1123
00:50:02,560 --> 00:50:04,480
Speaker 4: of a sudden it was a gateway to paying off

1124
00:50:04,520 --> 00:50:08,200
Speaker 4: my entire hex step Like that is so exciting. And

1125
00:50:08,239 --> 00:50:11,440
Speaker 4: I just know that the community has loved hearing this money, Dorry,

1126
00:50:11,520 --> 00:50:14,239
Speaker 4: so I really appreciate it. But unfortunately we've run out

1127
00:50:14,280 --> 00:50:18,080
Speaker 4: of time. So thank you for joining me and doing

1128
00:50:18,120 --> 00:50:20,319
Speaker 4: your money, Dorry. You've been so generous with your time

1129
00:50:20,400 --> 00:50:22,400
Speaker 4: and your story. I just I love it. This is

1130
00:50:22,440 --> 00:50:23,000
Speaker 4: my favorite.

1131
00:50:23,080 --> 00:50:24,080
Speaker 2: Thank you for having me.

1132
00:50:30,280 --> 00:50:32,840
Speaker 4: The advice shed on She's on the Money is general

1133
00:50:32,880 --> 00:50:36,760
Speaker 4: in nature and does not consider your individual circumstances. She's

1134
00:50:36,760 --> 00:50:40,240
Speaker 4: on the Money exists purely for educational purposes and should

1135
00:50:40,280 --> 00:50:43,400
Speaker 4: not be relied upon to make an investment or financial decision.

1136
00:50:43,840 --> 00:50:46,080
Speaker 4: If you do choose to buy a financial.

1137
00:50:45,640 --> 00:50:49,640
Speaker 6: Product, read the PDS TMD and obtain appropriate financial.

1138
00:50:49,200 --> 00:50:51,000
Speaker 4: Advice tailored towards your needs.

1139
00:50:51,360 --> 00:50:55,320
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

1140
00:50:55,360 --> 00:50:59,239
Speaker 6: of money. Sheirper pty Ltd ABN three two one is

1141
00:50:59,280 --> 00:51:02,239
Speaker 6: six four nine and two seven seven zero eight a

1142
00:51:02,440 --> 00:51:07,160
Speaker 6: f s L four five one two eight nine