Speaker 1: Hello.
Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we
Speaker 2: get started on She's on the Money podcast, I would
Speaker 2: like to acknowledge the traditional custodians of the land of
Speaker 2: which this podcast is recorded on a wondery country, acknowledging
Speaker 2: the elders, the ancestors and the next generation coming through
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
Speaker 2: the storytelling of you to make a difference for today
Speaker 2: and lasting impact for tomorrow.
Speaker 1: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 1: Hello, and welcome to She's on Them, the podcast for
Speaker 1: millennials who want financial freedom. Welcome back to another one
Speaker 1: of our money diaries where I get the absolute pleasure
Speaker 1: of talking to one of our beautiful She's on the
Speaker 1: Money community members all about their journey. Let's jump straight
Speaker 1: into it, because this week I got a message and
Speaker 1: it went like this, Hello, beautiful, She's on the Money team.
Speaker 1: I'm a thirty one year old recovered methanphetamine drug addict.
Speaker 1: April twenty twenty three was my five year clean sobriety,
Speaker 1: and I couldn't be more proud of how far I
Speaker 1: have come. I was heavily addicted for several years until
Speaker 1: I accidentally felt pregnant, which switched my mindset instantaneously, and
Speaker 1: I haven't touched or craved for any substance since ever
Speaker 1: since falling pregnant. I also have changed my money story,
Speaker 1: aiming to set us both up for a safe and
Speaker 1: comfortable life. I'm a single mum, so I didn't start
Speaker 1: working until August late last year in twenty twenty two.
Speaker 1: I've only been living off cent link up until then.
Speaker 1: Since listening to She's on the Money, I have accomplished
Speaker 1: so much and I would love to share my story
Speaker 1: with you Money Diarist. I feel like this is going
Speaker 1: to be such a good and such inspirational story. Thank
Speaker 1: you for joining us.
Speaker 4: Thank you.
Speaker 1: I already know it's going to be good because we
Speaker 1: had such good boun to off air, so I'm ready
Speaker 1: to bring that on air. At the start of every
Speaker 1: money diary, I like to ask the same question, so
Speaker 1: let's start their money Diarist. If I asked you to
Speaker 1: give your money habits a grade from A through to F,
Speaker 1: what would you grade your habits today, I would give
Speaker 1: myself a B a B. I love it all right.
Speaker 1: My favorite question, let's dive into it, money diarist. I
Speaker 1: want to know can you tell us a little bit
Speaker 1: more about your money story.
Speaker 4: So my mum was a single mother of five. I
Speaker 4: was the baby, so things were a little dismal, but
Speaker 4: we never went without the essentials. I remember my mum
Speaker 4: working longer hours than most parents, agnol, felt like she
Speaker 4: was never there. I did attend a private school, however,
Speaker 4: the costs were covered by settling.
Speaker 1: Oh cool, Yeah, that was good. MAM's a hustler.
Speaker 4: Yeah. She did end up meeting my stepdad when I
Speaker 4: was around nine, and the older siblings moved out, so
Speaker 4: things got a little lighter. However, we still seem to
Speaker 4: be living paycheck to paycheck. We never did talk about
Speaker 4: finances or money, just the occasional. I can't afford that, sorry, honey.
Speaker 4: Never ate out. We never went on holidays, but we
Speaker 4: did go camping and that was a blast.
Speaker 1: Oh, I love that.
Speaker 4: When I was thirteen, I ended up working for the
Speaker 4: farmer across the road, milking cows at four am.
Speaker 1: At four am. Oh my gosh, no chance, absolutely no
Speaker 1: chance for me.
Speaker 4: It was tough. I wasn't paid in cash though I
Speaker 4: was paid in livestock.
Speaker 1: Oh very cool.
Speaker 4: I had another job at waitressing when I was around
Speaker 4: fifteen to sixteen, and when I was nineteen, I saved
Speaker 4: enough money to be able to go to Canada by
Speaker 4: myself for three months.
Speaker 1: Oh my gosh.
Speaker 2: Yeah.
Speaker 4: See, things were looking quite bright for me until I
Speaker 4: found myself in trouble around the age of twenty one
Speaker 4: twenty two, dabbling in drugs and then unfortunately becoming very
Speaker 4: highly addicted. My value doesn't drive for anything changed dramatically.
Speaker 1: Oh my gosh. Can you tell me a bit more
Speaker 1: about what that gateway was like, because obviously, going from
Speaker 1: you know, the short money story we've heard of, like yep,
Speaker 1: I was getting up for him milking the cows, I
Speaker 1: was getting paid in livestock all the way through to
Speaker 1: look twenty one twenty two, I got mixed up in
Speaker 1: some stuff that you know, I'm sure you wish you didn't,
Speaker 1: But how did that happen? Was it the people that
Speaker 1: were surrounding you? Was it something you sought out? Was it,
Speaker 1: you know, working in a particular wait trusting job like
Speaker 1: tell us a little bit more about that It was.
Speaker 4: Actually my family, so I was around it for two
Speaker 4: years before I actually tried it. I went into the
Speaker 4: wrong pathway from family influence. I think they all feel
Speaker 4: pretty bad about that, but we were all in a
Speaker 4: bad situation and we're thankfully all of us out of
Speaker 4: that now too.
Speaker 1: Love love to hear that.
Speaker 4: Yeah for us, but yeah, So it was the wrong
Speaker 4: pathway to go down, and I happened to get into
Speaker 4: the wrong place, wrong time, family, and we're all looking
Speaker 4: up now.
Speaker 1: So what did that look like when it came to
Speaker 1: I guess your money story. Obviously, when you're purchasing substances
Speaker 1: like that, they're not cheap. How did you fund that?
Speaker 1: What did that look like?
Speaker 4: So there's like friends or friends, You've got different platforms
Speaker 4: where you can find it, and people just want to
Speaker 4: hang out with you and supply the drugs. Majority of
Speaker 4: those are men. Unfortunately, yep, I had a sugar daddy too,
Speaker 4: so he.
Speaker 1: Was This is going to be the spiciest money story.
Speaker 1: I cannot wait to dissect this. Even more so.
Speaker 4: He was involved in the drug game too. I just
Speaker 4: loved to spend time with young females and supplying as
Speaker 4: much drugs as he could. He was pretty well off.
Speaker 4: So yeah, it was basically it was easy to get
Speaker 4: a hold of.
Speaker 1: Because you just asked him in it would be straight
Speaker 1: into your pocket. I suppose definitely. Yeah, how did you
Speaker 1: get introduced to? I guess those people, because it goes
Speaker 1: above and beyond being in a situation where you're like, look,
Speaker 1: family introduced me. They were doing it and you know,
Speaker 1: tried it a few times and kept getting it to
Speaker 1: going all right, well, I'm going to get a sugar daddy.
Speaker 1: And I mean that's a fair choice as long as
Speaker 1: everybody in that circumstance is consenting. Like who am I
Speaker 1: to judge? But I look at it and go all right, well,
Speaker 1: how did you decide that was for you? And how
Speaker 1: did you get out of it? Importantly?
Speaker 4: Yeah, so I wasn't looking for a sugar daddy. It
Speaker 4: didn't happen like that. It just happened to be one
Speaker 4: of my friends were people that I was hanging out
Speaker 4: with that we did drugs with. They were hanging out
Speaker 4: with this older guy and he supplied everything to them
Speaker 4: and you know, bought them fancy things and stuff, and
Speaker 4: then it was just bringing your friends and I was
Speaker 4: one of those, and yeah, it just went from there.
Speaker 1: Makes a lot of sense, though, because if you're like
Speaker 1: this guy gives me exactly what I'm looking for, it
Speaker 1: becomes very easy.
Speaker 4: Yeah, it did, and it was probably too much, to
Speaker 4: be honest, So yeah, where it went downhill too easily
Speaker 4: accessible for me, and it was a three, four times
Speaker 4: a day sort of usage that got out of hand.
Speaker 1: Oh my gosh. And then in your letter into us,
Speaker 1: you said I felt pregnant and instantaneously I cut it.
Speaker 1: I didn't crave it, I don't use the substance. I'm
Speaker 1: not interested in it. How did that change you? Because
Speaker 1: obviously that's not a situation that everyone finds themselves in.
Speaker 1: I wish it was, because obviously that would be a
Speaker 1: really beautiful outcome for absolutely everybody and their babies in
Speaker 1: that circumstance. But how did you make that switch? Because
Speaker 1: you know, the drug we're talking about is incredibly addictive,
Speaker 1: and that can't have been a very nice process to
Speaker 1: have gone through.
Speaker 4: I was around it for a while, and I had
Speaker 4: a lot of friends that had a lot of kids
Speaker 4: as well, and I just remember looking back and thinking,
Speaker 4: I do not want to bring a child into this world.
Speaker 4: And I was adamant about that. When I found out
Speaker 4: I was pregnant, I actually had drugs on me. I
Speaker 4: was about to you know, consume them, and someone was like,
Speaker 4: you might be pregnant because I was like two weeks late,
Speaker 4: and I was like, nah, you're not possible. I ended
Speaker 4: up going down to the pharmacy coming back and I
Speaker 4: was pregnant. Oh yeah. I was blown away through those
Speaker 4: drugs to my friends and have never looked back.
Speaker 1: Oh my gosh, I'm so proud of you. That's such
Speaker 1: a big decision because it would have been such an
Speaker 1: awful like withdrawal process, and like, you know, I know
Speaker 1: that you said you haven't craved them or wanted to
Speaker 1: do that, but like your body would have been going, hey,
Speaker 1: where's this stuff that I'm so dependent on? How did
Speaker 1: you do that? I'm so intrigued because it's such a
Speaker 1: powerful story.
Speaker 4: Yeah. So I went to my doctor, told them the
Speaker 4: drug usage that I was doing, how much I was consuming,
Speaker 4: that I'd fallen pregnant, and that I wanted to, you know,
Speaker 4: do as much as I can to get us both
Speaker 4: healthy and good. So basically I moved back down to
Speaker 4: my hometown and with my mum, went into hibernation and
Speaker 4: all I did was eat and sleep more than I
Speaker 4: ever have before.
Speaker 1: I mean, pregnancy sometimes does do that to you too,
Speaker 1: so it might have been a mix of all of it.
Speaker 1: My friends. Yeah, I want to know a bit more
Speaker 1: about your money story because you're now thirty one, so
Speaker 1: that was back when you were twenty one twenty two,
Speaker 1: and obviously times have changed. You have a beautiful baby
Speaker 1: now or a beautiful toddler. Now, tell me a bit
Speaker 1: more about life today. What does it look like.
Speaker 4: Gosh, she is a little ray of some chum, but
Speaker 4: she has a hell of a lot of attitude.
Speaker 1: Yeah, the best way to be. I love her already.
Speaker 4: We're good. So we have daycare and Kindy So she's
Speaker 4: at Kindy now, which is cute and swimming lessons. Life
Speaker 4: is so fulfilling, like having a child just makes life
Speaker 4: so much better. There's so much more value and meaning
Speaker 4: and it's just a rainbow every day basically apart from
Speaker 4: the attitude and sassiness.
Speaker 1: Now that makes it even better. No, I love it.
Speaker 4: Yeah, it's good. Life is amazing, all right.
Speaker 1: I want to know now. You mentioned before that you
Speaker 1: didn't start working until August last year. What do you
Speaker 1: do for work? Now, how much money do you warn?
Speaker 4: I do admin, payroll and account support, so I do
Speaker 4: twenty five hours a week with a forty five minute
Speaker 4: drive each way. Oh my gosh, I'm on forty four
Speaker 4: thousand a year plus super. But I don't claim the
Speaker 4: tax free threshold, so I get about thirty three in
Speaker 4: my bank. But in saying that, I still get settling.
Speaker 4: I receive single parenting payment yep, family tax benefits, which
Speaker 4: is about seventeen thousand a year. And then I also
Speaker 4: have a sidehouse on the weekend.
Speaker 1: Oh my gosh, of course you do.
Speaker 2: What is that?
Speaker 4: I set up like play for kids' parties and I
Speaker 4: stare it, so it's another company that owns it, and
Speaker 4: I'm just a trade off of that, which is pretty
Speaker 4: good because my daughter can come with me and she
Speaker 4: helps me set up.
Speaker 1: Oh my gosh. And you'd love it too, because you'd
Speaker 1: be like, oh, we're setting up basically a park for
Speaker 1: all of these little babies.
Speaker 4: Yeah, there's like a bullpit and stuff, and she'll just
Speaker 4: like get in there.
Speaker 1: She's got to test it. She's quality control.
Speaker 4: She does pretty good.
Speaker 1: Oh my gosh, I love that so much. So what
Speaker 1: does the side hustle? Bring in each year.
Speaker 4: About five over five thousand.
Speaker 1: Oh that's good cash for a few things that you
Speaker 1: get up to on the weekend.
Speaker 4: Though it doesn't take up much for my time, so
Speaker 4: it's good and it's good that she can come with me.
Speaker 1: Works well, where does your work life balance come into that?
Speaker 1: You've mentioned you've got a young child there in daycare
Speaker 1: and kinder you, you know, are driving forty five minutes
Speaker 1: each way from work. You're doing side hustles on the weekend.
Speaker 1: Do you have a personal life? Are you like dating?
Speaker 1: What's going on there?
Speaker 4: I'm in an actual polyamory relationship.
Speaker 1: Okay, didn't see that coming.
Speaker 4: Yeah, so have a girlfriend, she has a partner, yep,
Speaker 4: and I can if I like to, but not really
Speaker 4: interested in it. We've been together nearly two years now.
Speaker 1: Oh very cool. Can I be real pervy and ask
Speaker 1: about how the dynamics of that work? What does that
Speaker 1: actually look like? So if your girlfriend has a partner,
Speaker 1: do they live full time together? Like, how do you interact?
Speaker 1: What does that look like?
Speaker 4: She has a primary other, they live together, they're engaged.
Speaker 4: But we all get along really well. It was a
Speaker 4: bumpy at the start. I go up to their house
Speaker 4: and I stay all the time and my daughter stays
Speaker 4: in their spare room. We get along really good. It
Speaker 4: works really well.
Speaker 1: How good. Tell me about the financial side of it, though?
Speaker 1: How do you split it three ways?
Speaker 2: Like?
Speaker 1: Is it them paying more because you're the single kind
Speaker 1: of in this relationship or what does that look like?
Speaker 4: All of our finances are separate, so they don't share finances.
Speaker 4: I don't share finances. However, her male partner is a chef.
Speaker 1: This is a good deal for everybody involved.
Speaker 4: He gets fresh produced too from one of his suppliers. Weekly.
Speaker 4: He brings me a box of goodies. Oh my gosh, yeah,
Speaker 4: this reduces my grocery bills, like dramatically.
Speaker 1: Adore this whole polyamory thing, Like you're selling me on it.
Speaker 1: Can you tell me what long term looks like? Obviously
Speaker 1: they're engaged, they're planning on I'm assuming getting married at
Speaker 1: some point. Will you stick around for that whole picture?
Speaker 1: Will this become like a you guys move in together? Like,
Speaker 1: I don't know what does that look like?
Speaker 4: Oh gosh, that's a good question.
Speaker 1: Sorry, Sorry, I'm getting ahead of myself, but I'm like,
Speaker 1: what does this look like?
Speaker 4: We actually haven't really talked about that. They've kind of
Speaker 4: hold on the marriage at the moment. So I came
Speaker 4: into it when they got engaged. Yeah, and I was
Speaker 4: just a friend. It wasn't like a relationship we were
Speaker 4: looking for in the polyamory, you know, we weren't looking
Speaker 4: for this type of relationship. She was a friend. I
Speaker 4: fell in love with her, She fell in love with me.
Speaker 4: She had a talk to her partner before she confronted
Speaker 4: to me, so they had a talk and then she
Speaker 4: came to me, and then we all had a discussion together,
Speaker 4: and it's just bloomed from there. They have really halted
Speaker 4: their marriage because of me. They just halted it because
Speaker 4: of other circumstances too. I think they are on the
Speaker 4: horizon of getting back into it, but for now, I
Speaker 4: think we're just working out what the future holds for us.
Speaker 1: Was this your first polyamorous relationship?
Speaker 4: Oh yes, I didn't even really know it was a thing.
Speaker 1: How did that work? Were you like, oh my gosh,
Speaker 1: what do you mean? Can I, you know, date you
Speaker 1: at the same time? Like, as you said before, you
Speaker 1: were like it was a bit rocky at the start.
Speaker 1: Was that because you just hadn't done it before or
Speaker 1: didn't know. I guess the boundaries and what that looked like.
Speaker 1: Tell me a bit more about that, because I just
Speaker 1: look at it and go, I don't even know how
Speaker 1: this would come up.
Speaker 4: None of us really knew what we were doing. There
Speaker 4: was a lot of jealousy involved, like a lot of
Speaker 4: jealousy not just from my part, but her male partner's
Speaker 4: part as well. It was on a rollercoaster for him
Speaker 4: with his emotions. He didn't know how he felt. Sometimes
Speaker 4: other times he was okay, and then other times he
Speaker 4: was like, no, can we stop? So it was very bumpy,
Speaker 4: But in the end we have like boot amazing Now
Speaker 4: it's gotten to a point where we all sit on
Speaker 4: the couch and watch movies or like I actually stay
Speaker 4: at their house and it's him, her and me. We're
Speaker 4: all just in the bed together, just casually, fine, casual.
Speaker 1: I'm so pervy on it, just because I'm like, I
Speaker 1: don't know how this would work, because obviously he wasn't
Speaker 1: as on board at the start. Does that mean you're
Speaker 1: sort of in a relationship with him as well, or
Speaker 1: is it definitely just the two of the girls and
Speaker 1: he's just like, yeah, she can sleep over and sleep
Speaker 1: in the bed, but like, I'm not part of this,
Speaker 1: but like, is he part of that? I guess relationship dynamic.
Speaker 4: So there is no sexual like areas between him and I,
Speaker 4: but there is a more care factor there and a
Speaker 4: more like.
Speaker 1: That's what I was like, because he's bringing you, like
Speaker 1: fruiting veggie boxes and like looking after you in the
Speaker 1: way that a partner might. I'm like, I didn't expect
Speaker 1: that from somebody who kind of wasn't the dating partner.
Speaker 4: Yeah, it seems a bit different from everyone else's point.
Speaker 1: Of so it sounds beautiful. It sounds like, I don't
Speaker 1: know how to explain this. You're talking about them, and
Speaker 1: you are beaming, like you are quite clearly so happy
Speaker 1: about this situation, and I'm sure that they talk about
Speaker 1: you in exactly the same way. So like, I just
Speaker 1: love that you're so happy in this. Like, I don't
Speaker 1: think it matters that it's different, Like everybody's relationship in
Speaker 1: some way, shape or form is different. It doesn't actually
Speaker 1: matter as long as everybody in the relationship is like
Speaker 1: happy about it, right of.
Speaker 4: Course, yeah, and everyone is just family members might not be.
Speaker 1: Oh, is that an issue because there's like a lack
Speaker 1: of clarity or they just don't get it.
Speaker 4: I don't think they get it.
Speaker 1: No, I can't believe that because I just feel like
Speaker 1: if my kid came home and was like, I have
Speaker 1: a girlfriend who has a partner, I'd be like, does
Speaker 1: everybody know?
Speaker 2: Yep?
Speaker 1: Okay, well that's not my place to judge. Like, you're happy, great,
Speaker 1: no worries, all the jops you it's all good. Let's
Speaker 1: get back on track. Though. I want to know what
Speaker 1: are you currently working towards? What is your big goal?
Speaker 4: Okay, so one of them was I'm going on a
Speaker 4: cruise to New Zealand with my girlfriend, just us, not
Speaker 4: the other partner. Yeah, but I've already paid that off
Speaker 4: with winner. Yeah, so I just need spending money.
Speaker 1: When is that happening? Is it soon?
Speaker 2: Like?
Speaker 1: How long have we got for spending money?
Speaker 4: March next year?
Speaker 1: So oh you've got heaps of time?
Speaker 4: Yeah, how long for It's eleven days?
Speaker 1: Very nice.
Speaker 4: We're going to Sydney first for a couple of days,
Speaker 4: and then Newcastle because she grew up there, so.
Speaker 1: Oh how fun? And then what after that? You've got
Speaker 1: this big cruise working towards that? Is there any other
Speaker 1: big money goals that you're.
Speaker 4: Working towards just to be comfortable. Really, yes, I just
Speaker 4: want to be financially stable. Yeah. A goal of mine
Speaker 4: used to be the Australian drink to own home, and
Speaker 4: I thought a two percent deposit for a single mum
Speaker 4: seemed achievable. But after listening to your podcast and you know,
Speaker 4: finding out the nitty gritty stuff and everything that else
Speaker 4: comes with it, I just realized that, well, it's not
Speaker 4: for me, it's not what I want, doesn't align my
Speaker 4: values anymore.
Speaker 2: Oh.
Speaker 1: I love that. I love that you're clear on that.
Speaker 1: It doesn't mean it won't change in the future if
Speaker 1: you end up in a you know, more stable financial situation,
Speaker 1: but I kind of love that it's not putting pressure
Speaker 1: on you at the moment.
Speaker 4: It feels good not to feel that pressure.
Speaker 2: Love.
Speaker 1: All right, let's go to a really quick break because
Speaker 1: I have approximately one million questions for you right after
Speaker 1: this all right, money direst We are back, and I
Speaker 1: feel like this has thrown a few I don't want
Speaker 1: to say spanners in the works, but like there's been
Speaker 1: some curveballs that I didn't see coming in this money story.
Speaker 1: I want to know now obviously you have gone from
Speaker 1: you know, not being in a good financial position to
Speaker 1: being I would say in a great one. Do you
Speaker 1: have any investments? If so, what are they? If you don't,
Speaker 1: why not?
Speaker 4: So I salary sacrifice one hundred dollars a week into
Speaker 4: my super because when I was in trouble, I obviously
Speaker 4: didn't have a job, so my super is reasonably low
Speaker 4: at the moment. I've also set up a raise account
Speaker 4: and I do your thirty five dollars automatic transfer weekly
Speaker 4: and offer that I have a kid's account as well. Yeah,
Speaker 4: ten dollars weekly. So oh, I'm wanting to set up
Speaker 4: a good portfolio, though, I just need to educate myself
Speaker 4: a little bit better.
Speaker 1: And I feel like you're well on the way to that,
Speaker 1: especially knowing how much you earn per year. But then
Speaker 1: you're also prioritizing investing. This is so sexy. I love it.
Speaker 1: I want to know a bit more about your daughter,
Speaker 1: though you mentioned her earlier, and then you just said
Speaker 1: you have like a kid's investment portfolio that you're investing into.
Speaker 1: How do you discuss money with your daughter?
Speaker 4: That one's hard. So she's very young. I feel like
Speaker 4: she was very young anyway, She's still my baby, so
Speaker 4: I think the only way for me to do that
Speaker 4: at the moment is, like, she gets birthday money and stuff,
Speaker 4: so we'll go out to the shops and we'll show
Speaker 4: what she can get with that money and show her
Speaker 4: what she can't. But that's it at the moment. I
Speaker 4: think when she gets a bit older, I will encourage
Speaker 4: her to do food shopping with me, and I'll encourage
Speaker 4: her to do chores in order to get money and
Speaker 4: say love.
Speaker 1: I feel like when they're so young, it's very hard,
Speaker 1: but I like how open you are to like understanding
Speaker 1: what it looks like for her age and what that
Speaker 1: looks like into the future. I always like asking about
Speaker 1: it because I have no idea exactly how I'm going
Speaker 1: to talk to my kids about money, Like none, because
Speaker 1: they're all so different as well, like one kid, as
Speaker 1: you were saying, your daughter incredibly sassy. Maybe it just
Speaker 1: won't fall in the same way it does with other kids.
Speaker 4: Yeah, exactly.
Speaker 2: All right.
Speaker 1: Next question I have my friend, Do you have any debts?
Speaker 1: If so, what are they and what are they for?
Speaker 4: Okay, so I have about one thousand dollars left on
Speaker 4: my debt. It's not your usual debt that you hear
Speaker 4: on cheese on the money, I'm actually paying off court
Speaker 4: fines and infringements from back in the day. So that
Speaker 4: was a total of about twenty five thousand dollars.
Speaker 1: Oh my gosh, and you've paid nearly all of it off. Yeah,
Speaker 1: queen behavior, I love this. I love this so much.
Speaker 1: How long do you think it'll be before that is
Speaker 1: completely extinguished?
Speaker 4: It will be gone by the start of next year,
Speaker 4: about January.
Speaker 1: Oh my gosh. I love this. And how will you
Speaker 1: feel once all of that is gone? Do you feel
Speaker 1: like that's going to be like, I guess, another line
Speaker 1: in the sand for a life that once was.
Speaker 4: Yes, for sure, it's the last line in the sands
Speaker 4: of life that once was.
Speaker 1: It's the only thing that lingers you, like, get out,
Speaker 1: I'm done here. I can't be bothered with this. Oh
Speaker 1: that'll be so exciting. How are you going to celebrate?
Speaker 1: Oh gosh, I haven't thought that you have to celebrate?
Speaker 4: You have to, Okay, Okay, I don't know what I'll do.
Speaker 1: You can think about it, but please tell me when
Speaker 1: you do, all right, I want to know. Now you're
Speaker 1: a mum. You seem to be a bit of a
Speaker 1: whizz at a side hustle. I need to know what
Speaker 1: is your best money habit.
Speaker 4: I have a pretty good automatic banking system set up
Speaker 4: now with up Bank. Once my pay comes in, all
Speaker 4: my bills are allocated to the separate accounts and I
Speaker 4: don't have to worry about them for the future.
Speaker 1: I love that so much. How did you work out
Speaker 1: what needed to go where and when? Was it a
Speaker 1: bit of a teething process or was it just a
Speaker 1: set and forget one day?
Speaker 2: Like?
Speaker 1: How do we all do this?
Speaker 4: So? I worked out all my bills that come up.
Speaker 4: So when Red Joe services, I worked out all the
Speaker 4: amounts that they are. Then I worked out what they
Speaker 4: would be monthly, and then I would work out what
Speaker 4: they would be weekly once it fills up into my
Speaker 4: bank account. It's therefore when that bill actually comes in.
Speaker 1: Queen, I love this so much. It makes me so
Speaker 1: happy to hear. Let's bring down the mood, though. What's
Speaker 1: your worst money habit?
Speaker 4: Okay, So I love to go out for dinner and drink.
Speaker 4: I do have expensive taste. Now that's thanks to my
Speaker 4: girlfriend Rude. But it does align to my values all right.
Speaker 1: Well, she can say, she's all right, I've got no
Speaker 1: beef with her. What does that look like? How are
Speaker 1: you budgeting for that? And you know, is that something
Speaker 1: where you're like, ah, the it's my worst money have
Speaker 1: it because I just do it and don't think about
Speaker 1: my budget or is that oh now it's such a
Speaker 1: significant portion of my budget.
Speaker 4: Well with all the bills and they're allocated for I
Speaker 4: do set up another account so when I have, say,
Speaker 4: more money from the site hustle, I'll just chuck it
Speaker 4: into that account, so that money is there that I
Speaker 4: can see. But I do sometimes go over that and
Speaker 4: just spend be a little bit cheeky.
Speaker 1: Yeah, yeah, I love it. It's not even the worst, like
Speaker 1: dinner and drinks, especially with someone you love. Like ten
Speaker 1: out of ten, I love it. We're not going to
Speaker 1: regret that all right now that we've had a really
Speaker 1: good conversation. At the start of the conversation, you said, look,
Speaker 1: I Reckon, I'm a bit of a bee. I have
Speaker 1: learned so much about you in such a short period
Speaker 1: of time. Do you still think that your money habits
Speaker 1: or a bee? If so, why, if not, what would
Speaker 1: you regrade them to.
Speaker 4: I would say I'm still a bee. I'm happy with everything.
Speaker 4: I'm doing where I'm at with my finances. I could
Speaker 4: be better, but now I'm happy. I would like to
Speaker 4: educate and learn as much as I can about investing.
Speaker 4: And I think once I get there and I'm happy,
Speaker 4: I'll then give myself the.
Speaker 1: A oh, we can do that together. I've got you, like,
Speaker 1: I have so much investing content, like, I'm going to
Speaker 1: shove it all your way and you're going to be
Speaker 1: the most educated mom out there before we go. I
Speaker 1: have another question because obviously you've been so open. I
Speaker 1: can't have ownership over being proud of somebody that have
Speaker 1: had nothing to do with. But I just I look
Speaker 1: at your story and I go far out, like I mean, awe,
Speaker 1: Like I think you've done so well. You know, even
Speaker 1: when you said before you were like, look, I found
Speaker 1: out I was pregnant, shoved drugs to the side, didn't
Speaker 1: do that, and I went to the doctor and said
Speaker 1: how much I was taking and what was going on?
Speaker 1: Like even that step most people like, absolutely not. I
Speaker 1: don't want to talk to a doctor. There would be
Speaker 1: so much judgment, There would be, you know, so many
Speaker 1: issues with that. If somebody is listening to this and
Speaker 1: they're in a similar position to the position you were
Speaker 1: in when you were twenty one twenty two. What would
Speaker 1: your advice be to them? Because if they're listening to this,
Speaker 1: I already know they're like, I want her life, like
Speaker 1: I want to be like her. She's a queen. How
Speaker 1: did she do it? What is her advice?
Speaker 4: Oh gosh, that's a hard one.
Speaker 1: I didn't promise the questions would be easy, my friend.
Speaker 4: Just take it day by day and know that you'll
Speaker 4: step in in the right direction. When you're in that
Speaker 4: world and you're in that place, it is a very
Speaker 4: gray and very dark place, and I think the further
Speaker 4: away from it you get, the more color that you
Speaker 4: feel comes into your life. It is a hard process,
Speaker 4: but you'll get there for sure. I love it.
Speaker 1: I love it. I feel like I've learned so much.
Speaker 1: Thank you so much for joining us. I'm sorry that
Speaker 1: that is all we have time for today, but it
Speaker 1: has been an absolute pleasure having a chat with you
Speaker 1: and getting to spend some time together.
Speaker 4: Thank you.
Speaker 1: The advice shared on She's on the Money is general
Speaker 1: in nature and does not consider your individual circumstances. She's
Speaker 1: on the Money exists purely for educational purposes and should
Speaker 1: not be relied upon to make an investment or financial decision.
Speaker 1: If you do choose to buy a financial product, read
Speaker 1: the PDS TMD and obtain appropriate financial advice tailored towards
Speaker 1: your needs. Victoria Divine and She's on the Money are
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