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

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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we

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

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

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

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Speaker 1: 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. Millennials

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Speaker 4: who want financial freedom. Welcome back to another one of

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Speaker 4: our money daries where we get to talk with one

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Speaker 4: of our incredible She's on the Money community members all

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Speaker 4: about their journey. Let's jump straight into it, because this

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Speaker 4: week we got a message and it sounded exactly like this,

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Speaker 4: Dear She's on the Money. I made a huge life

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Speaker 4: change that on paper might sound crazy. I left my

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Speaker 4: one hundred thousand dollar job in the city to move

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Speaker 4: to the country, where I took a seventy thousand dollar

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Speaker 4: pay cut. I was in a job I hated and

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Speaker 4: now I work in education support, a job I'm genuinely

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Speaker 4: passionate about. It was a bold move, but I couldn't

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Speaker 4: be happier. For the first time, I actually look forward

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Speaker 4: to getting to work every day. Plus, living in the

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Speaker 4: country has brought unexpected financial benefits. We're saving so much

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Speaker 4: more than we ever could in the city. It's proof

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Speaker 4: that chasing passion over paychecks can be incredibly rewarding, both

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Speaker 4: for your happiness and your wallet money. Darrist, welcome to

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Speaker 4: the show.

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Speaker 2: Hi, thanks for having me.

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Speaker 4: First things first, that was so well written. I just

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Speaker 4: know this is going to be a good diary. But

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Speaker 4: also as seventy thousand dollars pay cut be for real, Like,

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Speaker 4: let's be honest, where'd you get the balls for that?

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Speaker 2: Well, yeah, it was a bit of a tricky one,

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Speaker 2: but at the end of the day, money doesn't buy happiness,

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Speaker 2: and that was the one thing that was the biggest

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Speaker 2: change for me.

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Speaker 4: Yeah.

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Speaker 2: Wow, what was the point? Like if I was crying,

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Speaker 2: like walking out of the office being so stressed out,

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Speaker 2: what was the point.

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Speaker 4: It's so true, it's so true, but like so many

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Speaker 4: of us feel so trapped in the cycle that we

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Speaker 4: just can't change it. So let's learn more. First things first,

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Speaker 4: what grade would you give you money habits if I

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Speaker 4: asked you to give them a grade from A through

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Speaker 4: to F.

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Speaker 2: So currently I'd probably give it a CNUS. I'm not

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Speaker 2: the best at the moment, but we are definitely not

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Speaker 2: in the worst situation. We have been better with money

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Speaker 2: in the past, but right now still just getting there

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Speaker 2: with the big obviously the pay decrease.

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Speaker 4: Yeah, of course, Now tell me more. I need to

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Speaker 4: know a lot more about your money story. Take me

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Speaker 4: back and give us a bit more info.

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Speaker 2: So going back, I would say with my parents growing up,

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Speaker 2: both my parents are very work driven. My mum was

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Speaker 2: in the defense Force. They worked really really hard for

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Speaker 2: their money. We were quite well off compared to my

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Speaker 2: friends and stuff, which I always just thought money was

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Speaker 2: just there all the time because it wasn't spoken about,

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Speaker 2: because you know, we were quite when then I had

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Speaker 2: friends that were not as well off. They were living

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Speaker 2: in house commission and all that, which was you know,

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Speaker 2: it's great, and it was great that they had that option,

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Speaker 2: but I found it a bit odd at the time.

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Speaker 2: I was like, what do you mean you don't have

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Speaker 2: a beach house down the road like New Sorrento. What

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Speaker 2: do you mean? Like I thought everyone did you know'.

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Speaker 4: Idle mean you just don't get it right, you just

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Speaker 4: lived in your bubble.

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Speaker 2: Yeah, I was like, what do you mean? Like you

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Speaker 2: buy home brand fruit and you don't get like McDonald's

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Speaker 2: every Friday night? What do you mean? Like I never oun?

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Speaker 4: Oh my god? And do you know what is so funny?

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Speaker 4: What do you mean you don't have a beach house

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Speaker 4: down near Sorento? That is like I mean, and that's

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Speaker 4: probably why you said it. It's like hilariously entitled, Like

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Speaker 4: what do you mean? Like, oh, obviously like Sorrento, million

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Speaker 4: dollar beach houses? Sure, why not?

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Speaker 2: What do you mean you don't have a chalet up

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Speaker 2: in Mount Hoforpe, Like what do you mean? Okay? Not really?

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Speaker 4: Can I be adopted?

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Speaker 2: Is that ad option? Like? No?

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Speaker 4: I mean right now, I'm thinking, let's be honest, no

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Speaker 4: wonder you could take a seventy thousand dollars pay cup,

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Speaker 4: but we're going to learn more about that.

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Speaker 2: We didn't actually have a chalet in matt Hope, And

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Speaker 2: that was just making it be nice. Sorry, dad, where

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Speaker 2: is it? And so that was like the growing up.

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Speaker 2: But then I had my first child and I was

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Speaker 2: a single mum, and then I learned how money does

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Speaker 2: not grow on trees and it's not just endless there.

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Speaker 4: Yeah, wow, that would have been a bit confronting coming

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Speaker 4: from a well off family to being a single mum.

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Speaker 4: You're like, hold up, Like, my spending habits are not

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Speaker 4: in line with the lifestyle I currently have.

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Speaker 2: That's exactly right. I'm like, what do you mean fortnightly payments? Here?

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Speaker 2: I am waiting for my fortnightly paycheck. My friend even

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Speaker 2: said to me, He's like, well, you've changed so much

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Speaker 2: because you're just like I'm gonna wait to the next

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Speaker 2: fortnite to get paid. And because I wasn't trying to

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Speaker 2: borrow off my parents all the time, I was trying

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Speaker 2: to be this strong independent woman.

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Speaker 4: Yeap, which is definitely admirable, but it's stressful.

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Speaker 2: So stressful. There was times I went to them and

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Speaker 2: be like can you help me, like and they were

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Speaker 2: like yeah, of course.

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Speaker 4: Yeah, which is so nice to have to fall back on,

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Speaker 4: but also like it's so nice to also be independent.

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Speaker 4: It's hard.

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Speaker 2: Yeah. The bank of Dad, I called it and he's like,

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Speaker 2: bank of Dad will never forget. He has a list,

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Speaker 2: an Excel spreadsheet of money that I owe him.

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Speaker 4: Yeah, that's fair, that's a debt. We'll talk about that later.

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Speaker 2: Yeah. Yeah. And then I got in a relationship with

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Speaker 2: my partner that I've been with now for six years nearly,

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Speaker 2: which took a big relief off my shoulders of having

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Speaker 2: that other person there to help make ends meet and

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Speaker 2: stuff like that. And yeah, so we everything improved from there,

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Speaker 2: and there was some things along the way that kind

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Speaker 2: of obviously we'll go into later of the debt questions

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Speaker 2: that kind of made our money story have a little

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Speaker 2: bit of an issue. But then we had more kids,

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Speaker 2: and when I had my third child, that's when I

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Speaker 2: made the career change choice. When I went on attorney

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Speaker 2: to leave, I was like, I don't want to go

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Speaker 2: back to work to that job. I want to move forward,

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Speaker 2: and which I did.

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Speaker 4: Yeah, I love that. I want to know, like, there

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Speaker 4: are so many pervy details I need to know. So

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Speaker 4: if you'd gone back to that one hundred thousand dollar job,

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Speaker 4: what would have childcare looked like? Like, I know, you've

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Speaker 4: got like two young kids and then you've got a

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Speaker 4: kid that's at school age, So like, what would have

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Speaker 4: that looked like? Because that would have weighed significantly on

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Speaker 4: the financial decision as well.

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Speaker 2: Hey, oh what have like the phase of ridiculous? A

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Speaker 2: lot of people don't realize how expensive childcare is and

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Speaker 2: you only get I think a hundred subsidized hours or something.

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Speaker 2: So I was having to drop them off at a

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Speaker 2: certain time every day would be say seven thirty, They'd

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Speaker 2: have to be there only after seven thirty, and trying

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Speaker 2: to get to the city job would have been a nightmare. Yeah.

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Speaker 4: Wow, And so tell me a bit more about like

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Speaker 4: this pay cut. So you've gone from working I'm assuming

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Speaker 4: full time one hundred thousand dollars a year to obviously

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Speaker 4: less than that. But are you working part time now

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Speaker 4: or like what does your work life balance look like

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Speaker 4: in comparison?

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Speaker 2: So I work part time. I work three days a week,

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Speaker 2: which has been a great thing for me mentally and

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Speaker 2: for my kids because I have the amount of childcare

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Speaker 2: two days a week and we have fun if we

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Speaker 2: go to playgroup, my toddler does dance and things like

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Speaker 2: I missed out on with my eldest daughter because I

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Speaker 2: had to work full time.

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Speaker 4: Yeah, but you're also single, mum. Like, let's just remember

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Speaker 4: the part where you were doing all of that on

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Speaker 4: your own, and like, I feel like you were doing

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Speaker 4: the best that you could with everything that you had

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Speaker 4: at that time, right, Yeah, yeah, definitely.

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Speaker 2: I don't look back and say, oh my god, I

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Speaker 2: should have done this or done that. I know I

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Speaker 2: did what I could with what I had, and I'm yeah,

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Speaker 2: it's harder, and I'll look back at it sometimes, Oh God,

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Speaker 2: have done this with her. I'm so sad and a then,

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Speaker 2: but look where we are now.

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Speaker 4: Yeah, one hundred percent. I feel like we do that

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Speaker 4: with everything, right, Like I look back and I go, oh,

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Speaker 4: I wish i'd done XYZ earlier. It's like, well, be

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Speaker 4: you didn't have the knowledge, then, you didn't have the understanding,

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Speaker 4: you didn't even want that then, Like it makes sense.

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Speaker 4: But like we're all just out here doing the best

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Speaker 4: that we can, right, especially when it comes to kids.

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Speaker 4: There's so many like shouldar would have couders, and I

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Speaker 4: just think we are all just in the moment doing

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Speaker 4: the best that we absolutely can. And you know what, that.

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Speaker 2: Is good enough exactly right. There's no manual for being

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Speaker 2: a parent. They didn't teach us this in school. I know.

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Speaker 4: I'm still in shock that they let me walk out

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Speaker 4: of a hospital with a newborn and no license for it.

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Speaker 4: Like I couldn't even go and get a car without

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Speaker 4: a license, and you're letting me have an entire human

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Speaker 4: being like that. That feels illegal, But okay, I agree.

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Speaker 2: To that so much Like what the instruction manual to

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Speaker 2: get them to sleep?

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Speaker 4: Like?

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Speaker 2: Where is it?

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Speaker 4: I don't know, but at three am last night, I

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Speaker 4: really really would have appreciated having some sort of manual.

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Speaker 4: But that is okay. I want to know. Tell me

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Speaker 4: a bit more about you exactly, So what do you earn?

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Speaker 4: What is your job title? And tell me a bit

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Speaker 4: about what you used to earn and what your job

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Speaker 4: title was.

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Speaker 2: Then, So my current job, I'm an education support worker

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Speaker 2: at a primary school. By the days that I work

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Speaker 2: and the step that I'm on further salary, I earn

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Speaker 2: about thirty k per year for the three days And.

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Speaker 4: Is that pro rata from a fifty thousand dollars package

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Speaker 4: or is that just like the role is only part time.

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Speaker 2: That is pro writer for the hours that I work. Yes,

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Speaker 2: so it's not too bad for what I do. I

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Speaker 2: love it, but Previously, I was an accountant in work

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Speaker 2: five days a week, nine to five life. Literally Dolly

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Speaker 2: Parton was that song It's Made for You. Yeah, it

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Speaker 2: was fain for me, and I spent my days at

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Speaker 2: a desk, changed my desk answering e to people being

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Speaker 2: quite angry and stuff like that, like.

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Speaker 4: Yeah, no, thank you, no thanks, not for you, not

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Speaker 4: for you. And now you get to work in a

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Speaker 4: primary school with kids, being an education support worker. How

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Speaker 4: cool is that?

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Speaker 2: I love it so much. I actually just finished my

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Speaker 2: first term. I cried on the way home because I

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Speaker 2: was going to miss the kids for two weeks.

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Speaker 4: Oh my gosh, you're soesome.

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Speaker 2: Because like, what are the boys that I will students

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Speaker 2: a look after? He actually gifted me some Pokemon cards

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Speaker 2: because we bonded over Pokemon, so he went through his

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Speaker 2: old cards with his mom the night before.

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Speaker 4: Oh when he gave you some, that's so wholesome. Like,

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Speaker 4: I hope that when my kids get to school they

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Speaker 4: have people that care about them as much as you do,

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Speaker 4: Like I want you everywhere, Like I just want my

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Speaker 4: kids to go to school and have that type of relationship.

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Speaker 4: Like that is so special.

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Speaker 2: It is it makes my day every day there is

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Speaker 2: hard days. I'm not going to say it's an easy job.

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Speaker 4: There's days where I came home and like, oh what

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Speaker 4: have I done?

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Speaker 2: Why am I? Do we miss this? It's so stressful.

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Speaker 2: But then they go in the next day and it's

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Speaker 2: a brand new day.

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Speaker 4: Totally, totally well. It sounds like life has changed significantly

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Speaker 4: for you recently. Tell me a bit about money goals.

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Speaker 4: What are currently your big money goals? What are you

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Speaker 4: working towards?

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Speaker 2: So I have a two step money goal plan. So

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Speaker 2: first step is paying off our weddings. So we're getting

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Speaker 2: married in November next year.

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Speaker 4: Oh I had a November wedding. Good time for one.

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Speaker 2: Oh I know, because it's not too hot, not too cold.

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Speaker 4: In Melbourne, so yeah, perfect.

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Speaker 2: And then it's to buy a house obviously after the

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Speaker 2: honeymoon and everything like that. We're just going like, let's

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Speaker 2: get there. We've got to improve our credit ratings because

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Speaker 2: young me made some inquiries that she shouldn't have made

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Speaker 2: on her credit file and they just sit there. They

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Speaker 2: don't forget. Equifax doesn't move on holds on forever.

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Speaker 4: Yeah, yeah, or at least seven years. Tell me I

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Speaker 4: need to know wedding details when you stay pay off

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Speaker 4: your wedding. Can we have some juicy dates on what's

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Speaker 4: your wedding costing you? How did you do the planning? Like,

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Speaker 4: weddings can be like ten grand or they could be

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Speaker 4: like two hundred grand. What are we talking?

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Speaker 2: We're talking about I think it. When I've done my

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Speaker 2: lovely spreadsheet, it was about twenty five to thirty thousand dollars.

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Speaker 4: Oh that's pretty good in this economy.

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Speaker 2: Oh and for the venue I got, Like, obviously I

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Speaker 2: don't want to say.

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Speaker 4: No, no, don't tell me like and it doesn't matter

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Speaker 4: because most people won't know it anyway. So you've got

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Speaker 4: a good venue, got a good deal.

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Speaker 2: Yeah, it's in the city. It's a special place where

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Speaker 2: we spend a lot of time as a family.

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Speaker 4: Oh, how good. You're going to have to tell me

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Speaker 4: off there so that I can have a little bit

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Speaker 4: of a look. See. But so you've got like the

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Speaker 4: venue that you wanted. You're really excited about it. What

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Speaker 4: was the biggest surprise when it came to wending budgeting?

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Speaker 2: How much is Celebrate cost?

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Speaker 4: Oh?

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Speaker 2: Really, I was shocked on how much some of them

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Speaker 2: would charge you. I was like, I get what they

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Speaker 2: do and all that and they do a lot into it.

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Speaker 2: Once they sent me the contract, I was like, Okay,

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Speaker 2: this is why you cost this X amount of money.

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Speaker 2: I was kind of like, oh wow, that's really expensive

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Speaker 2: and a photo boof. I didn't realize how expensive they

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Speaker 2: are as well.

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Speaker 4: Yeah, that's so true. I feel like I wasn't shocked

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Speaker 4: by my celebrant cost, but I'm not surprised, And I

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Speaker 4: think it's just because I've had clients who were celebrants historically,

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Speaker 4: but it can be anywhere from a couple of hundred

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Speaker 4: dollars to like thousands of dollars, and like obviously the

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Speaker 4: more experienced one is or the more you've seen them

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Speaker 4: on social media, the more expensive they're probably gonna be.

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Speaker 4: And like I really doubled down on the celebrant cost

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Speaker 4: when I got married money Drest because I got her

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Speaker 4: to be the MC for our wedding as well, because

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Speaker 4: I remember being like, I just want everyone at our

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Speaker 4: wedding to have a good time, Like I don't want

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Speaker 4: to put the pressure on like you know, my husband's

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Speaker 4: best mate to MC our wedding and not drink the

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Speaker 4: entire night, not have a fun time in the entire night,

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Speaker 4: and be like time tracking, Like that was just something

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Speaker 4: that was important to me because I knew that, like

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Speaker 4: in my head, no one really wanted to do that. Like,

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Speaker 4: if you've got somebody who wants to do it, fantastic,

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Speaker 4: But like I doubled down and so basically paid her

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Speaker 4: twice so that she could be the celebrant then be

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Speaker 4: the So I remember being like, oh, lots of exper

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Speaker 4: but okay.

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Speaker 2: I've done the same thing. Actually, And what I love

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Speaker 2: about my celebrant is if there's any celebrants listening. Best

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Speaker 2: thing that this guy did was he sent me a

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Speaker 2: video of him talking, because you're gonna have to hear

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Speaker 2: celebrate talking through the wedding. And I was like, that

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Speaker 2: sold on you. You've taken this extra step. Let's go.

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Speaker 4: How good is that?

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Speaker 1: All right?

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Speaker 4: I have more questions. Tell me a bit about this

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Speaker 4: goal for buying a house. So you said that you

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Speaker 4: want to save for a house deposit. What does that

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Speaker 4: look like? Are we buying regionally?

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Speaker 2: Now?

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Speaker 4: You live out further.

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Speaker 2: Yeah, so we are looking to actually move further out regional.

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Speaker 2: We are quite in a regional built up area. I

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Speaker 2: love the country vibe. I love how there is so

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Speaker 2: much nature out here and there's so much space, and

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Speaker 2: the houses are so much cheaper out here compared to

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Speaker 2: where we were living, Like, it's ridiculously so much cheaper.

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Speaker 2: Did you get for your money as well?

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Speaker 4: Yeah, one hundred percent you do. It's crazy and like

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Speaker 4: such a good idea. I love this. And what type

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Speaker 4: of time frame do you think that is? Is that

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Speaker 4: like save for a home and buy straight after the

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Speaker 4: wedding or save for a home and buy a couple

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Speaker 4: of years after. I mean, you've got three kids, Like,

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Speaker 4: I feel like that's going to take a little bit

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Speaker 4: of effort in comparison to, like, you know, straight after

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Speaker 4: the wedding.

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Speaker 2: Our goal is in five years. We're trying to clear

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Speaker 2: up some debt and obviously improve our credit file as well,

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Speaker 2: so we're not inquiring for any loans or anything like that.

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Speaker 2: We're like, no, everything is getting closed off, don't touch it.

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Speaker 4: Yeah, and we're just going to smash down debt. All right, Well,

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Speaker 4: let's go to a really quick break because on the

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Speaker 4: flip side, I'm going to ask you about the debt

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Speaker 4: that you have, how you got it, what it looks like.

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Speaker 4: We're going to be chatting about investment, and I want

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Speaker 4: to know your best and worst money habits, because I

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Speaker 4: feel like someone who has significantly decreased their income is

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Speaker 4: going to have some good money habits that we can

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Speaker 4: learn from. So don't go anywhere money dirist. We are back,

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Speaker 4: and I want to know have you invested? Will you

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Speaker 4: invest what's the plan around that?

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Speaker 2: So I use chair Zy's at the moment, I stopped

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Speaker 2: buying lunch because I've obviously I changed my job, and

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Speaker 2: I put the money that I would have spent getting

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Speaker 2: tadash delivered to work into Chazy's.

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Speaker 4: Oh my gosh, you actually did.

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Speaker 1: Do you know?

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Speaker 4: Their podcast is called lunch Money.

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Speaker 2: Yeah.

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Speaker 4: Their podcast is literally called lunch money. And I love

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Speaker 4: the fact that you then are investing on their platform

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Speaker 4: using your actual lunch money.

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Speaker 2: Yeah. And I use their roundup feature too, where like

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Speaker 2: it rounds up what you spend and that it's invested

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Speaker 2: into what ETF and then I don't have to think

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Speaker 2: about it and they do everything for me.

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Speaker 4: I love that. How did you start where you like,

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Speaker 4: I really need to start investing or is this like

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Speaker 4: a plan when you left corporate you were like, all right,

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Speaker 4: I'm going to take this money and redirect it, because

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Speaker 4: that's like genius.

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Speaker 2: I believe I got the advice from the podcast about

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Speaker 2: the coffee, like if you don't buy the coffee, a

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Speaker 2: coffee a day or way, how much could you invest?

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Speaker 4: It's wild, isn't it.

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Speaker 2: It's crazy. I've got so much in that, I think

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Speaker 2: because like four hundred dollars in their last time I checked.

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Speaker 4: Oh my gosh, I love that. And how much were

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Speaker 4: you spending each week? I have to know, like on

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Speaker 4: door dashing lunch. Like don't get me wrong, like lunch

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Speaker 4: at work is already expensive, but like having it delivered

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Speaker 4: every day, girl, you would have been bleeding money.

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Speaker 2: I think it was like at least one hundred dollars

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Speaker 2: a week I was spending.

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Speaker 4: Oh that's so painful.

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Speaker 2: I know it was so bad, but I was just

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Speaker 2: like I just want comfort food. All what Menando's delivered? Please?

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Speaker 4: Yeah, look I get it. And if you weren't enjoying

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Speaker 4: your work either, like that would have been like the

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Speaker 4: one thing that you were looking forward to during the

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Speaker 4: day or the one thing that kind of like lifted

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Speaker 4: your spirits on the days that you were like, oh

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Speaker 4: this is not working for me, so like I can

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Speaker 4: see how you do it, but and this is going

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Speaker 4: to bring the mood down. But it is a really

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Speaker 4: slippery slope. Do you know twenty seven dollars fifty a

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Speaker 4: day in spending is ten thousand dollars a year.

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Speaker 2: Oh gosh, yeah, I know.

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Speaker 4: Isn't that terrifying? No, but you're not doing it anymore.

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Speaker 4: You're investing, Like that's really exciting. But like I feel

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Speaker 4: like for me, it's really easy to spend twenty seven

404
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Speaker 4: dollars fifty, like a couple of coffees and then a

405
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Speaker 4: sandwich out. I've already blown it. Like I spent yesterday

406
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Speaker 4: a sandwich. I've got Subway for lunch yesterday and it

407
00:18:17,600 --> 00:18:20,080
Speaker 4: was like seventeen dollars because obviously I got the cookie

408
00:18:20,119 --> 00:18:22,159
Speaker 4: as well, ob yously, like you're not going to Subway

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Speaker 4: and not getting the cookie, That's why I went there

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Speaker 4: in the first place. And two coffees Like I definitely

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Speaker 4: would have blown twenty seven dollars yesterday. Easy. Oh I

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Speaker 4: hate that for us money, Diarist, So you're investing, you're

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Speaker 4: using Chazi's. Do you have a bigger plan for that?

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Speaker 4: Like is the plan to increase that over time or

415
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Speaker 4: is it what is it for? Is that for your

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Speaker 4: home deposit? Is it for like your retirement.

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Speaker 2: It is for our retirement for and I do want

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Speaker 2: to increase it eventually after the debts that we are

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Speaker 2: paying off slowly have gone. I was going to put

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Speaker 2: that money into Chasis and just increase it more and

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Speaker 2: more so when we retire with got this big, nice

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Speaker 2: portfolio and we can relax.

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Speaker 4: Yeah, very cute. She's a genius. I love that. Let's

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Speaker 4: flip the narrative because I know you have debt and

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Speaker 4: I want to know about it. Tell me about your debts.

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Speaker 4: How did you get in them, what do they look like,

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Speaker 4: and what's your plan to get out of them?

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Speaker 2: So I have one good debt, which is obviously my

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Speaker 2: hex debt. I love that you always say that's a

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Speaker 2: good debt, goes towards education. Might not be in that

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Speaker 2: field anymore, but you learned something. But with my other debt,

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Speaker 2: we have one really bad debt, this one. If I

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Speaker 2: could go back in time, I would grab my partner

434
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Speaker 2: and myself and sit on the couch and say, you

435
00:19:33,040 --> 00:19:37,280
Speaker 2: need car insurance. My partner got the car accident and

436
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Speaker 2: rode his car and the other person's car off.

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Speaker 4: Yeah okay, and.

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Speaker 2: Currently left on it. We looked the other day there's

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Speaker 2: about fifteen thousand dollars left.

440
00:19:46,640 --> 00:19:48,480
Speaker 4: Okay, that's not the end of the world. And you

441
00:19:48,520 --> 00:19:51,800
Speaker 4: know what, that was a very expensive mistake, but also

442
00:19:51,960 --> 00:19:54,200
Speaker 4: a very expensive learning Are you going to do it again?

443
00:19:54,480 --> 00:19:57,679
Speaker 2: No, I make sure that insurance is paid everyone. I'm like,

444
00:19:57,800 --> 00:19:58,480
Speaker 2: I make sure.

445
00:19:58,680 --> 00:20:00,639
Speaker 4: Oh that would have been so strong ressful at the

446
00:20:00,640 --> 00:20:02,480
Speaker 4: time as well. Was your husband.

447
00:20:02,160 --> 00:20:05,040
Speaker 2: Okay, yeah he was and we kind of like, I

448
00:20:05,320 --> 00:20:07,600
Speaker 2: we shouldn't laugh about it, but he was getting my

449
00:20:07,720 --> 00:20:10,280
Speaker 2: daughter some cookies for a teacher, and he always jokes,

450
00:20:10,320 --> 00:20:12,560
Speaker 2: now they were the world's most expensive cookies.

451
00:20:12,640 --> 00:20:14,840
Speaker 4: Oh my gosh, they absolutely were. I don't think I've

452
00:20:14,880 --> 00:20:17,359
Speaker 4: heard of more expensive cookies. What were they made of? Gold?

453
00:20:17,640 --> 00:20:19,600
Speaker 2: Like? Yeah, pretty much? Yeah?

454
00:20:19,600 --> 00:20:23,560
Speaker 4: Oh, how stressful. And then the realization that you didn't

455
00:20:23,560 --> 00:20:25,080
Speaker 4: have insurance. What was that like?

456
00:20:25,560 --> 00:20:27,120
Speaker 2: When he called me, I was like, oh my god,

457
00:20:27,160 --> 00:20:29,760
Speaker 2: you don't have insurance. He's like, I know, and I

458
00:20:29,800 --> 00:20:31,919
Speaker 2: was like, okay, so what are we going to do?

459
00:20:32,040 --> 00:20:35,840
Speaker 2: And we kind of panicked, But then I remembered that

460
00:20:36,160 --> 00:20:40,119
Speaker 2: most companies will give you a financial hardship agreement. So

461
00:20:40,160 --> 00:20:42,960
Speaker 2: we just called up and said, look, hey, we can't

462
00:20:42,960 --> 00:20:46,119
Speaker 2: afford to pay this. All this money now, can we

463
00:20:46,160 --> 00:20:48,840
Speaker 2: set up a payment plan? And they said, yeah, sure,

464
00:20:49,119 --> 00:20:49,920
Speaker 2: what can you pay?

465
00:20:50,160 --> 00:20:52,800
Speaker 4: Oh that's so smart that you just tackled it head on,

466
00:20:53,320 --> 00:20:55,480
Speaker 4: like you called up. So many people wouldn't do that,

467
00:20:55,560 --> 00:20:57,760
Speaker 4: and they'd just be evasive of it and like ignore

468
00:20:57,800 --> 00:21:00,679
Speaker 4: it and just wait until people were chase them. Like,

469
00:21:00,960 --> 00:21:02,720
Speaker 4: I'm glad that you called and that you knew that

470
00:21:02,760 --> 00:21:06,600
Speaker 4: there was like some type of support available. Fifteen grand? Stressful,

471
00:21:06,600 --> 00:21:08,200
Speaker 4: but you're going to get out of it? How good?

472
00:21:08,320 --> 00:21:11,439
Speaker 4: What's the plan? Are we throwing all of our available

473
00:21:11,640 --> 00:21:14,080
Speaker 4: cash at that? Or are we chipping away? What does

474
00:21:14,080 --> 00:21:14,640
Speaker 4: that look like?

475
00:21:14,720 --> 00:21:18,000
Speaker 2: So we're chipping away? We have got set up a

476
00:21:18,000 --> 00:21:21,960
Speaker 2: minimum repayment option with them, and then every time we

477
00:21:22,000 --> 00:21:24,760
Speaker 2: get a tax return or my partner gets a bonus

478
00:21:24,800 --> 00:21:27,960
Speaker 2: or something like that, it goes straight into that straight away.

479
00:21:28,200 --> 00:21:29,320
Speaker 2: We just put it straight in.

480
00:21:29,520 --> 00:21:31,600
Speaker 4: Smart, get rid of it. And you mentioned that you

481
00:21:31,680 --> 00:21:32,879
Speaker 4: had really bad credit.

482
00:21:32,960 --> 00:21:36,720
Speaker 2: Why made the few mistakes when I was younger, not

483
00:21:36,840 --> 00:21:39,240
Speaker 2: paying you know, bills and stuff like, haha, you can't

484
00:21:39,240 --> 00:21:41,200
Speaker 2: get me. What are you going to do? Oh, we're

485
00:21:41,200 --> 00:21:43,000
Speaker 2: going to put a default on your credit file. That's

486
00:21:43,040 --> 00:21:43,760
Speaker 2: what we're going to do.

487
00:21:44,240 --> 00:21:46,000
Speaker 4: You're like, oh, about that.

488
00:21:46,480 --> 00:21:49,280
Speaker 2: Yeah, oh whoops.

489
00:21:48,480 --> 00:21:52,239
Speaker 4: Oh no, that's so stressful. And how long have they

490
00:21:52,320 --> 00:21:54,680
Speaker 4: been on your credit file? And like, have you been

491
00:21:55,040 --> 00:21:57,800
Speaker 4: working towards or doing anything in particular to help me

492
00:21:57,840 --> 00:22:00,800
Speaker 4: get it up or are we just waiting until it increases.

493
00:22:00,960 --> 00:22:02,919
Speaker 2: I did end up getting a credit card, like a

494
00:22:03,000 --> 00:22:06,040
Speaker 2: thousand dollar credit card, so it's and I pay that

495
00:22:06,119 --> 00:22:08,280
Speaker 2: every month and I make sure that thing is paid

496
00:22:08,800 --> 00:22:12,600
Speaker 2: every month, and that has improved it slowly. And the

497
00:22:12,760 --> 00:22:15,400
Speaker 2: defaults when I checked, I think they've got three more

498
00:22:15,480 --> 00:22:17,520
Speaker 2: years until they've lifted, and then they're gone.

499
00:22:17,680 --> 00:22:20,080
Speaker 4: Yeah, then they're completely off. And I mean tin awa Like,

500
00:22:20,119 --> 00:22:22,840
Speaker 4: as much as that sucks, you told me before that

501
00:22:22,880 --> 00:22:25,080
Speaker 4: your plan is to buy in five years, so that's

502
00:22:25,119 --> 00:22:26,960
Speaker 4: not even going to impact it. We're just going to

503
00:22:27,320 --> 00:22:29,639
Speaker 4: save an invest along the way. And then when it

504
00:22:29,680 --> 00:22:32,080
Speaker 4: comes time to buy and your broken looks at your

505
00:22:32,119 --> 00:22:34,200
Speaker 4: credit score, you're gonna be like, what defaults? I don't

506
00:22:34,200 --> 00:22:35,639
Speaker 4: know what you're talking about. Who are you?

507
00:22:36,240 --> 00:22:37,720
Speaker 2: I know they've never been there.

508
00:22:37,680 --> 00:22:39,639
Speaker 4: They can't see further back than that. They won't be

509
00:22:39,840 --> 00:22:42,040
Speaker 4: part of the credit score. They drop off, which is a.

510
00:22:42,040 --> 00:22:43,160
Speaker 2: Money win exactly.

511
00:22:43,720 --> 00:22:46,600
Speaker 4: I love that for you. So I feel like somebody

512
00:22:46,600 --> 00:22:49,400
Speaker 4: who has had to move regionally and drop their income

513
00:22:49,640 --> 00:22:52,320
Speaker 4: significantly is probably gonna have a few good money habits.

514
00:22:52,359 --> 00:22:52,880
Speaker 4: What are they?

515
00:22:53,119 --> 00:22:56,040
Speaker 2: One of them? This is the mum one. Anythink my

516
00:22:56,160 --> 00:23:01,119
Speaker 2: babys need Facebook Marketplace one hundred percent is my favorite place.

517
00:23:01,240 --> 00:23:04,040
Speaker 4: Oh my gosh, me too recently, like baby stuff is

518
00:23:04,119 --> 00:23:10,040
Speaker 4: so expensive retail be for real. It's actually insane how

519
00:23:10,080 --> 00:23:13,159
Speaker 4: expensive stuff is and how long they do not use.

520
00:23:13,040 --> 00:23:15,960
Speaker 2: It for exactly right. So, for example, this is my

521
00:23:16,000 --> 00:23:18,520
Speaker 2: biggest one I did. Obviously, I had two hunder two,

522
00:23:18,560 --> 00:23:20,560
Speaker 2: so I needed a double pram and the Buggerboo dog

523
00:23:20,640 --> 00:23:22,120
Speaker 2: Key retails for what two k?

524
00:23:22,440 --> 00:23:24,439
Speaker 4: Not even it's more than that because you then got

525
00:23:24,480 --> 00:23:25,520
Speaker 4: to buy the seats and stuff.

526
00:23:25,720 --> 00:23:29,360
Speaker 2: Yeah, I got one for three hundred dollars secondhand on Marketplace.

527
00:23:29,480 --> 00:23:30,960
Speaker 4: Three hundred dollars.

528
00:23:31,119 --> 00:23:32,200
Speaker 2: Yeah, what you're.

529
00:23:32,000 --> 00:23:34,400
Speaker 4: Going to be able to sell it for that at least?

530
00:23:34,840 --> 00:23:37,280
Speaker 4: Like if you clean that and then put it on

531
00:23:37,600 --> 00:23:39,679
Speaker 4: marketplace when you're done with that, Like, girl, you are

532
00:23:39,800 --> 00:23:41,840
Speaker 4: gonna get at least three hundred dollars for that, you

533
00:23:41,960 --> 00:23:42,280
Speaker 4: just know.

534
00:23:42,680 --> 00:23:44,240
Speaker 2: Yeah, I said it to our partner. I guess I

535
00:23:44,280 --> 00:23:46,280
Speaker 2: still think it's particulous. He's like you go get this

536
00:23:46,320 --> 00:23:48,280
Speaker 2: Pram and I'm like, look at what it does, and

537
00:23:48,320 --> 00:23:48,960
Speaker 2: now he loves it.

538
00:23:49,000 --> 00:23:51,200
Speaker 4: He'd like this PREMS bed and it's a good quality

539
00:23:51,200 --> 00:23:53,280
Speaker 4: one as well. Like, don't get me wrong, you can

540
00:23:53,280 --> 00:23:57,280
Speaker 4: definitely get something you know, Kmart much cheaper, but like

541
00:23:57,560 --> 00:24:01,679
Speaker 4: the quality of pushing a terrible upper hill, like not

542
00:24:01,800 --> 00:24:02,040
Speaker 4: for me.

543
00:24:02,520 --> 00:24:05,480
Speaker 2: Oh gosh. We actually upgraded the wheels as well to

544
00:24:05,560 --> 00:24:07,480
Speaker 2: foam ones and got brand new hoods for an extra

545
00:24:07,560 --> 00:24:09,720
Speaker 2: hundred dollars. So I've spent like four hundred dollars on

546
00:24:09,800 --> 00:24:12,040
Speaker 2: this Pram and it's a double, yeah, and it can

547
00:24:12,119 --> 00:24:14,199
Speaker 2: go down to single and you can use it as

548
00:24:14,200 --> 00:24:16,120
Speaker 2: a bassinet. It's got so many features.

549
00:24:16,160 --> 00:24:18,440
Speaker 4: Did you then sell the pram that was a single

550
00:24:18,440 --> 00:24:22,040
Speaker 4: because I'm assuming when you had your your second baby, sorry,

551
00:24:22,240 --> 00:24:24,600
Speaker 4: your first baby was completely out of prams because she's

552
00:24:24,640 --> 00:24:27,040
Speaker 4: a bit older. But then your second baby, you would

553
00:24:27,040 --> 00:24:30,159
Speaker 4: have got a single prem right because you don't often

554
00:24:30,200 --> 00:24:32,200
Speaker 4: think you're gonna have another baby so close. Did you

555
00:24:32,240 --> 00:24:34,520
Speaker 4: then sell that on marketplace and like put that towards

556
00:24:34,600 --> 00:24:35,280
Speaker 4: the second one?

557
00:24:35,359 --> 00:24:37,359
Speaker 2: Yeah? I did. Actually I sold it I think for

558
00:24:37,440 --> 00:24:40,240
Speaker 2: like fifty dollars, so technically I spent three hundred and

559
00:24:40,280 --> 00:24:41,880
Speaker 2: fifty on the prem if we take that out.

560
00:24:41,920 --> 00:24:44,280
Speaker 4: See, there you go, there you go. I'm helping you

561
00:24:44,400 --> 00:24:45,560
Speaker 4: make this make sense.

562
00:24:45,840 --> 00:24:49,520
Speaker 2: Yeah. The other really good habit I have is when

563
00:24:49,520 --> 00:24:51,680
Speaker 2: I go to Cohals and stuff and things are on special,

564
00:24:51,720 --> 00:24:54,000
Speaker 2: I don't look at the main price. I look at

565
00:24:54,040 --> 00:24:58,639
Speaker 2: the unit price or per leader like and I'm a

566
00:24:58,640 --> 00:25:01,679
Speaker 2: big Costco shopper as well, but again I look at

567
00:25:01,720 --> 00:25:04,040
Speaker 2: the unit price and do comparison. I don't just go

568
00:25:04,160 --> 00:25:06,680
Speaker 2: in there and go, oh, this is cheaper and bulk

569
00:25:06,800 --> 00:25:07,800
Speaker 2: because sometimes it's not.

570
00:25:08,040 --> 00:25:11,040
Speaker 4: Yeah, I've got myself into trouble before at Costco when

571
00:25:11,040 --> 00:25:13,080
Speaker 4: I go in with no plan. This is years ago.

572
00:25:13,119 --> 00:25:15,560
Speaker 4: I don't currently have a membership, but go in with

573
00:25:15,680 --> 00:25:18,000
Speaker 4: no plan and you're like, oh that looks fun, Oh

574
00:25:18,160 --> 00:25:19,840
Speaker 4: that looks fun. And then you walk out and you're like,

575
00:25:19,880 --> 00:25:23,239
Speaker 4: why why I didn't need that? And it adds up

576
00:25:23,280 --> 00:25:26,080
Speaker 4: because often you're buying volume of something that you might

577
00:25:26,119 --> 00:25:28,520
Speaker 4: not need, which makes it really expensive.

578
00:25:28,720 --> 00:25:31,480
Speaker 2: Exactly right. It's so bad. It's a deep hole when

579
00:25:31,520 --> 00:25:34,000
Speaker 2: you're walking to Costco because then when you leave, you

580
00:25:34,080 --> 00:25:37,080
Speaker 2: have to get the giant pizza slice for three dollars,

581
00:25:37,240 --> 00:25:39,280
Speaker 2: or you have to get the drinks like you have to.

582
00:25:39,440 --> 00:25:40,840
Speaker 2: So you're like, oh, I just spend all my money

583
00:25:40,880 --> 00:25:42,040
Speaker 2: on food as we left.

584
00:25:42,320 --> 00:25:44,800
Speaker 4: Rude, Not too rude, Not to like, You've got to

585
00:25:44,800 --> 00:25:47,280
Speaker 4: plan it around lunchtime though, or dinner time and be like,

586
00:25:47,320 --> 00:25:49,600
Speaker 4: all right, if we go after work, that three dollar

587
00:25:49,680 --> 00:25:52,760
Speaker 4: pizza can be dinner instead of having a little sneaky

588
00:25:52,800 --> 00:25:54,960
Speaker 4: snack that we then go home and cook too.

589
00:25:55,200 --> 00:25:57,359
Speaker 2: Exactly right. Oh, you go on free sample day. The

590
00:25:57,440 --> 00:25:59,120
Speaker 2: kids can sit in the trolley and get the free

591
00:25:59,160 --> 00:26:02,320
Speaker 2: samples as you wheel around trying all the foods.

592
00:26:02,400 --> 00:26:04,960
Speaker 4: She's a genius. I love this. Are there any other

593
00:26:04,960 --> 00:26:07,119
Speaker 4: good money habits before I ask you for your worst?

594
00:26:07,280 --> 00:26:11,280
Speaker 2: Also very good at point hacking with flybys and Quantus

595
00:26:11,280 --> 00:26:13,160
Speaker 2: points and Wooly's rewards.

596
00:26:13,240 --> 00:26:15,840
Speaker 4: Oh tell me more, because our community has been asking

597
00:26:15,880 --> 00:26:17,360
Speaker 4: a lot about like, you know, how do you get

598
00:26:17,359 --> 00:26:19,120
Speaker 4: the most bang for your bluck out of points?

599
00:26:19,280 --> 00:26:19,880
Speaker 2: What are you doing?

600
00:26:19,920 --> 00:26:20,560
Speaker 4: How do you do it?

601
00:26:20,680 --> 00:26:24,440
Speaker 2: So for quantus points? I actually be my best friend.

602
00:26:24,560 --> 00:26:27,240
Speaker 2: We do a step challenge each week and the winner

603
00:26:27,240 --> 00:26:28,400
Speaker 2: will get fifty points.

604
00:26:28,440 --> 00:26:29,399
Speaker 4: Oh how cool.

605
00:26:29,600 --> 00:26:32,720
Speaker 2: Yeah, it's something I found on TikTok. Some lady was like,

606
00:26:32,760 --> 00:26:34,719
Speaker 2: this is how I pay for my business class flats

607
00:26:35,280 --> 00:26:39,160
Speaker 2: doing nothing, And so I do that and I get

608
00:26:39,320 --> 00:26:42,400
Speaker 2: daily step counts, weekly steps. There's so many things. Even

609
00:26:42,480 --> 00:26:46,880
Speaker 2: checking your car lights can get you ten quantus points.

610
00:26:47,040 --> 00:26:51,320
Speaker 4: What, Yeah, how good is that you're like staying safe

611
00:26:51,320 --> 00:26:53,280
Speaker 4: but also like getting your steps up. I feel like

612
00:26:53,320 --> 00:26:56,480
Speaker 4: I've been obsessed recently with getting my steps up. I

613
00:26:56,520 --> 00:26:59,600
Speaker 4: feel like, as a mum, you're just like I'm on

614
00:26:59,640 --> 00:27:02,360
Speaker 4: the cow all the time. I posted on my Instagram

615
00:27:02,440 --> 00:27:04,840
Speaker 4: story that I've just completely lost my butt. My butt

616
00:27:04,960 --> 00:27:07,359
Speaker 4: is the shape of the couch that I have been

617
00:27:07,400 --> 00:27:10,000
Speaker 4: sitting on. So like, getting my steps up is good,

618
00:27:10,240 --> 00:27:13,359
Speaker 4: but now you're going to motivate me that I get points.

619
00:27:13,680 --> 00:27:14,280
Speaker 4: I love this.

620
00:27:14,720 --> 00:27:18,760
Speaker 2: Yeah, and another one that I didn't know was the

621
00:27:18,760 --> 00:27:20,760
Speaker 2: best way to do it. You know how Flybys when

622
00:27:20,800 --> 00:27:24,239
Speaker 2: you go to the Col's Express, you can get like

623
00:27:24,400 --> 00:27:27,160
Speaker 2: four cents off per leader, or you can actually get

624
00:27:27,160 --> 00:27:30,200
Speaker 2: eight points per leader for Flybys.

625
00:27:30,359 --> 00:27:33,000
Speaker 4: Oh, I didn't know that. You have done a lot

626
00:27:33,040 --> 00:27:34,399
Speaker 4: of research, my friend.

627
00:27:34,320 --> 00:27:36,719
Speaker 2: And it's the better option. The lady that served me

628
00:27:36,760 --> 00:27:40,680
Speaker 2: at Coal's Express was like, you are a genius because

629
00:27:40,720 --> 00:27:44,280
Speaker 2: you actually get more for your money this way. No

630
00:27:44,320 --> 00:27:44,879
Speaker 2: one knows that.

631
00:27:45,200 --> 00:27:47,720
Speaker 4: How good? I love that. Well, now everyone know she's

632
00:27:47,720 --> 00:27:50,000
Speaker 4: on the money, knows that, and we are very grateful

633
00:27:50,000 --> 00:27:53,439
Speaker 4: to you for that money. Drest, Let's flip the narrative.

634
00:27:53,440 --> 00:27:54,720
Speaker 4: What do you think your worst money?

635
00:27:54,760 --> 00:27:57,159
Speaker 2: How it is even though I'm not getting it for

636
00:27:57,280 --> 00:28:00,720
Speaker 2: lunch being a mum, uber eats and daughter. But I'm

637
00:28:00,840 --> 00:28:03,160
Speaker 2: so tired, and I know it sounds so bad.

638
00:28:03,720 --> 00:28:06,640
Speaker 4: I get it. I get it. I just to make

639
00:28:06,680 --> 00:28:08,920
Speaker 4: you feel better. I ordered pizza last night for dinner

640
00:28:08,960 --> 00:28:11,960
Speaker 4: with my husband. It was Monday. That's not even like

641
00:28:12,000 --> 00:28:15,040
Speaker 4: a Friday night like treat. That was me being like

642
00:28:15,200 --> 00:28:16,800
Speaker 4: I can't be bother cooking, and they looked at my

643
00:28:16,880 --> 00:28:18,200
Speaker 4: husband and he's like, don't look at me. I don't

644
00:28:18,200 --> 00:28:20,720
Speaker 4: want to cook, and he's usually great at cooking. So

645
00:28:20,760 --> 00:28:23,480
Speaker 4: we did pizza on a Monday night. It happens. It

646
00:28:23,560 --> 00:28:24,760
Speaker 4: happens to the best of us.

647
00:28:24,960 --> 00:28:27,560
Speaker 2: It happens. And like sometimes I come on the way

648
00:28:27,600 --> 00:28:29,760
Speaker 2: home from work, I go, I just don't want to cook,

649
00:28:29,800 --> 00:28:32,160
Speaker 2: and I'm breastfeeding still as well, so I get hungry.

650
00:28:32,600 --> 00:28:33,720
Speaker 2: So and of course I want to get on the

651
00:28:33,720 --> 00:28:36,320
Speaker 2: MACS app and breastfeeding.

652
00:28:36,760 --> 00:28:39,960
Speaker 4: Like, there needs to be an entire podcast episode of

653
00:28:40,080 --> 00:28:46,120
Speaker 4: budgeting for my breastfeeding, spending and eating like I eat

654
00:28:46,640 --> 00:28:50,840
Speaker 4: so much, I spend so much, Like I'm on my

655
00:28:50,880 --> 00:28:53,959
Speaker 4: phone at three am because I'm breastfeeding. I don't make

656
00:28:53,960 --> 00:28:56,560
Speaker 4: the rules. I do deserve that new dress. I do.

657
00:28:56,760 --> 00:29:00,320
Speaker 2: Yeah, And people say breastfeeding is free, it is not free.

658
00:29:01,680 --> 00:29:02,760
Speaker 4: How much was your breast pump?

659
00:29:02,840 --> 00:29:05,400
Speaker 2: I got that actually secondhand, but if read.

660
00:29:05,240 --> 00:29:08,920
Speaker 4: Her Facebook marketplace, Honestly, I don't know why people aren't

661
00:29:08,920 --> 00:29:11,240
Speaker 4: buying breast pumps secondhand. You use them for such a

662
00:29:11,280 --> 00:29:14,040
Speaker 4: short period of time and you probably did the same thing.

663
00:29:14,680 --> 00:29:16,480
Speaker 4: You can just replace all the valves.

664
00:29:16,760 --> 00:29:19,520
Speaker 2: Yeah, I got a Spectra S one for sixty dollars

665
00:29:19,520 --> 00:29:20,040
Speaker 2: second hand.

666
00:29:20,040 --> 00:29:22,600
Speaker 4: Sixty dollars. That's a couple of hundred bucks.

667
00:29:22,880 --> 00:29:25,600
Speaker 2: Yeah, I know, and she only used it for thirty hours,

668
00:29:25,680 --> 00:29:27,440
Speaker 2: so it was basically brand new.

669
00:29:27,640 --> 00:29:30,120
Speaker 4: That's so perfect. And I mean, how many mums buy

670
00:29:30,120 --> 00:29:32,000
Speaker 4: a breast pump going this is what I'm going to do,

671
00:29:32,080 --> 00:29:33,600
Speaker 4: and then go JU know what this isn't for me,

672
00:29:33,920 --> 00:29:35,960
Speaker 4: and then get rid of their breast pump on marketplace

673
00:29:36,400 --> 00:29:40,520
Speaker 4: like genius. I feel like everyone should for babies just

674
00:29:40,520 --> 00:29:42,200
Speaker 4: be looking more on marketplace.

675
00:29:42,440 --> 00:29:44,600
Speaker 2: Don't go get a brand new, don't get a new

676
00:29:44,640 --> 00:29:47,880
Speaker 2: bascinet just go on marketplace. I love it so.

677
00:29:48,160 --> 00:29:50,440
Speaker 4: I adore it. I want to do more deep dives

678
00:29:50,440 --> 00:29:53,600
Speaker 4: into like how we can budget have kids but like

679
00:29:53,680 --> 00:29:56,000
Speaker 4: still get the bougie things that we want because I

680
00:29:56,040 --> 00:29:58,800
Speaker 4: feel like, you know, when you see their Spectra breast pump,

681
00:29:58,840 --> 00:30:02,840
Speaker 4: you're like, well, that's really exp but also I could

682
00:30:02,880 --> 00:30:05,280
Speaker 4: get it for sixty bucks and that's actually cheaper than

683
00:30:05,280 --> 00:30:06,120
Speaker 4: the one it came.

684
00:30:06,000 --> 00:30:08,480
Speaker 2: Up exactly, and then just buy the parts online. You

685
00:30:08,480 --> 00:30:11,600
Speaker 2: can get like Amazon knockoffs for the Spectra brand for

686
00:30:11,800 --> 00:30:12,640
Speaker 2: so much cheaper.

687
00:30:12,840 --> 00:30:15,160
Speaker 4: Yeah I did, don't tell Spectro, but I went and

688
00:30:15,200 --> 00:30:17,560
Speaker 4: bought all the Amazon parts because I needed like a

689
00:30:17,640 --> 00:30:21,600
Speaker 4: different millimeter size and all of that fun stuff. But anyway,

690
00:30:21,760 --> 00:30:24,080
Speaker 4: there's a lot of conversation to be hard about saving

691
00:30:24,120 --> 00:30:27,360
Speaker 4: money while being a mum. At the start of this episode,

692
00:30:27,400 --> 00:30:29,680
Speaker 4: you told me you think you're a C minus. Tell

693
00:30:29,720 --> 00:30:31,520
Speaker 4: me what it's going to take to get to an

694
00:30:31,560 --> 00:30:33,560
Speaker 4: A plus and what's the plan.

695
00:30:33,840 --> 00:30:37,320
Speaker 2: I think the plan would be obviously be debt free.

696
00:30:37,520 --> 00:30:40,560
Speaker 2: Get rid of that big debt, which is going to

697
00:30:40,600 --> 00:30:45,240
Speaker 2: slowly disappear copy slowed down, not completely stuck, because I

698
00:30:45,360 --> 00:30:47,080
Speaker 2: know one hundred percent there's still going to be that

699
00:30:47,160 --> 00:30:49,440
Speaker 2: one occasional uber eats and do it ash and I'm

700
00:30:49,480 --> 00:30:50,840
Speaker 2: not going to hold that against myself.

701
00:30:50,840 --> 00:30:53,240
Speaker 4: We've got to be reasonable. You can't cut things out,

702
00:30:53,360 --> 00:30:54,720
Speaker 4: especially if you're enjoying them.

703
00:30:54,880 --> 00:30:58,880
Speaker 2: Yeah, pretty much. I think to get there obviously, be

704
00:30:58,920 --> 00:31:02,680
Speaker 2: debt free and have a decent emergency fund because at

705
00:31:02,720 --> 00:31:06,200
Speaker 2: the moment we only have like a little one and

706
00:31:06,400 --> 00:31:09,520
Speaker 2: things do happen and you need to have that there

707
00:31:09,640 --> 00:31:13,720
Speaker 2: for that one moment because what if something has happened

708
00:31:13,840 --> 00:31:15,600
Speaker 2: and not panic.

709
00:31:16,160 --> 00:31:18,000
Speaker 4: But it sounds like you're well on the way, Like

710
00:31:18,160 --> 00:31:20,360
Speaker 4: you are getting rid of this debt, you're channeling all

711
00:31:20,440 --> 00:31:23,160
Speaker 4: of your free cash flow to it, like you've got

712
00:31:23,160 --> 00:31:25,560
Speaker 4: this plan, you're paying off your wedding. It sounds like

713
00:31:25,560 --> 00:31:27,640
Speaker 4: you've been really savvy with your wedding. You've got an

714
00:31:27,640 --> 00:31:30,239
Speaker 4: epic venue and you're only spending between twenty five and

715
00:31:30,280 --> 00:31:33,320
Speaker 4: thirty grand, which at the moment the average Australian wedding

716
00:31:33,400 --> 00:31:36,960
Speaker 4: is about sixty five thousand dollars, so you're already winning there.

717
00:31:37,320 --> 00:31:40,560
Speaker 4: I just feel like you're on the path to being

718
00:31:40,720 --> 00:31:44,680
Speaker 4: really financially secure, like not today, Like you feel obviously

719
00:31:44,720 --> 00:31:46,800
Speaker 4: a little bit like we've got places to be, you know,

720
00:31:46,920 --> 00:31:49,760
Speaker 4: people to see, things to do. But like it sounds

721
00:31:49,800 --> 00:31:52,320
Speaker 4: like you're well set up. And the thing I love

722
00:31:52,440 --> 00:31:56,240
Speaker 4: most about this is you're really happy, like you're enjoying

723
00:31:56,320 --> 00:31:59,640
Speaker 4: your life. Like I am pretty sure so many of

724
00:31:59,720 --> 00:32:02,400
Speaker 4: us will swap to your situation where you're like, no, girl,

725
00:32:02,440 --> 00:32:04,440
Speaker 4: I love going to work. Like I cried on the

726
00:32:04,480 --> 00:32:07,040
Speaker 4: way home because I was gonna miss going to work

727
00:32:07,080 --> 00:32:10,600
Speaker 4: for two weeks. Like you're living literally the dream. And

728
00:32:10,640 --> 00:32:12,720
Speaker 4: then on the flip side, yeah, you've got some debt

729
00:32:12,720 --> 00:32:14,040
Speaker 4: and you're working through it and you've got a plan.

730
00:32:14,120 --> 00:32:16,840
Speaker 4: But like I think so many people would swap to

731
00:32:16,920 --> 00:32:20,520
Speaker 4: that situation instead of being completely debt free and miserable.

732
00:32:20,880 --> 00:32:24,320
Speaker 4: Like I feel like that's really really positive.

733
00:32:24,600 --> 00:32:27,920
Speaker 2: Yeah, it definitely is. And like obviously, like I said,

734
00:32:27,920 --> 00:32:31,880
Speaker 2: I love my job and everything, but it isn't easy

735
00:32:31,960 --> 00:32:36,400
Speaker 2: and like, yeah, I don't know, I'm lossful words. I'm

736
00:32:36,440 --> 00:32:38,240
Speaker 2: thinking about my job now. I'm just like, oh gosh,

737
00:32:38,240 --> 00:32:40,200
Speaker 2: school holidays is to hurry up and be over soon

738
00:32:40,320 --> 00:32:40,720
Speaker 2: go back.

739
00:32:40,960 --> 00:32:43,560
Speaker 4: But that's so nice, And I think that it's nice

740
00:32:43,600 --> 00:32:46,920
Speaker 4: to see a different perspective someone who's been willing to

741
00:32:47,040 --> 00:32:48,800
Speaker 4: slash it. Like at the start, I was like, oh

742
00:32:48,800 --> 00:32:51,240
Speaker 4: my gosh, where did you get the balls to cut

743
00:32:51,280 --> 00:32:54,080
Speaker 4: your income? Like I feel like for so many of us,

744
00:32:54,120 --> 00:32:56,719
Speaker 4: and you're my age, or I'm a bit older than you,

745
00:32:56,720 --> 00:32:59,400
Speaker 4: you're thirty one, but I feel like by the time

746
00:32:59,480 --> 00:33:02,800
Speaker 4: you're thirty, if you're earning six figures, you're like, I've

747
00:33:02,840 --> 00:33:05,280
Speaker 4: finally made it. Like it feels like in my head,

748
00:33:05,720 --> 00:33:08,520
Speaker 4: six figures for me was always a goal. I remember

749
00:33:08,520 --> 00:33:10,719
Speaker 4: writing down my goals when I was like twenty two,

750
00:33:10,840 --> 00:33:12,920
Speaker 4: twenty three, and I was like, by the time I'm thirty,

751
00:33:12,920 --> 00:33:15,080
Speaker 4: I want to be earning six figures. And for me,

752
00:33:15,240 --> 00:33:18,680
Speaker 4: that was such a pivotal moment when I hit that number.

753
00:33:18,720 --> 00:33:22,280
Speaker 4: I remember thinking, oh, I earned six figures, and I'm

754
00:33:22,360 --> 00:33:23,880
Speaker 4: very grateful for it. But this is not how I

755
00:33:23,880 --> 00:33:25,760
Speaker 4: thought it would feel. This is not how I thought

756
00:33:25,800 --> 00:33:27,400
Speaker 4: it would happen. I thought this was going to mean

757
00:33:27,440 --> 00:33:31,920
Speaker 4: that I was like, really really doing well financially. I

758
00:33:31,960 --> 00:33:33,920
Speaker 4: thought that I'd have all my stuff together, you know,

759
00:33:34,680 --> 00:33:37,719
Speaker 4: and to be in a position where you earn that,

760
00:33:37,760 --> 00:33:40,040
Speaker 4: it's very hard to step back and go, well, actually,

761
00:33:40,040 --> 00:33:42,680
Speaker 4: I'm really happy to take less for my mental health,

762
00:33:42,960 --> 00:33:45,320
Speaker 4: for my happiness of my family, for you know a

763
00:33:45,320 --> 00:33:47,840
Speaker 4: better work life balance, and you've done it, and you're like,

764
00:33:48,240 --> 00:33:51,160
Speaker 4: might not on paper look great, but I'm so happy

765
00:33:51,160 --> 00:33:53,440
Speaker 4: and I'm thriving. And I think that lots of us

766
00:33:53,480 --> 00:33:55,880
Speaker 4: can learn a bit from that, Like even if it's

767
00:33:56,000 --> 00:33:59,720
Speaker 4: just stepping back a little bit and going well, actually,

768
00:34:00,280 --> 00:34:03,560
Speaker 4: I could step back and maybe take a ten k

769
00:34:03,640 --> 00:34:06,280
Speaker 4: pay cut or a twenty k pay cut for my health,

770
00:34:06,440 --> 00:34:09,799
Speaker 4: for my happiness, for my lifestyle. Like that's not the

771
00:34:09,880 --> 00:34:12,320
Speaker 4: end of the world. I feel like you've got it sorted.

772
00:34:12,320 --> 00:34:14,759
Speaker 4: I feel like you might be smarter than most of us.

773
00:34:15,200 --> 00:34:18,120
Speaker 2: Well, thank you. I appreciate that. I think like one

774
00:34:18,120 --> 00:34:20,440
Speaker 2: of the things is have you seen that video on Instagram?

775
00:34:20,440 --> 00:34:23,759
Speaker 2: It's like you only have small children for three years

776
00:34:23,800 --> 00:34:24,760
Speaker 2: and then it's done.

777
00:34:25,080 --> 00:34:26,400
Speaker 4: Yeah, got me in the fields.

778
00:34:26,960 --> 00:34:28,960
Speaker 2: Yeah. That one was my breaking point and I was like,

779
00:34:29,560 --> 00:34:32,319
Speaker 2: he's so right, it's done. And then another one came.

780
00:34:32,360 --> 00:34:34,239
Speaker 2: I was like, you only got one life, why not

781
00:34:34,320 --> 00:34:37,959
Speaker 2: be happy? And I was like, okay, Instagram, you're coming

782
00:34:38,000 --> 00:34:39,279
Speaker 2: at me from all the directions.

783
00:34:39,480 --> 00:34:42,960
Speaker 4: Yeah, I do feel like my algorithm personally victimizes me

784
00:34:43,080 --> 00:34:46,520
Speaker 4: quite consistently, and that's okay. I'm dealing with that. But

785
00:34:47,040 --> 00:34:49,319
Speaker 4: I do see all of those at the same time

786
00:34:49,320 --> 00:34:52,080
Speaker 4: as feeling personally victimized by them. I also feel like

787
00:34:52,560 --> 00:34:55,799
Speaker 4: it's helping me be present, and it's also reminding me

788
00:34:55,880 --> 00:34:58,239
Speaker 4: to be grateful for the period of time I'm in.

789
00:34:58,280 --> 00:35:00,880
Speaker 4: Like it's so easy to get to a three am

790
00:35:00,960 --> 00:35:02,879
Speaker 4: feed where you're like, oh my gosh, I can't think

791
00:35:02,920 --> 00:35:05,160
Speaker 4: of anything worse, And like then I look at Hovey

792
00:35:05,200 --> 00:35:07,239
Speaker 4: and I'm like, I'm not going to be able to

793
00:35:07,280 --> 00:35:09,279
Speaker 4: do this forever, and there's going to come a time

794
00:35:09,320 --> 00:35:12,279
Speaker 4: in my life where all I wish for is one

795
00:35:12,320 --> 00:35:14,719
Speaker 4: more time like this. So I hope that I'm enjoying this.

796
00:35:15,040 --> 00:35:18,160
Speaker 4: And yeah, I think that enjoying the journey is.

797
00:35:18,239 --> 00:35:21,600
Speaker 2: Very very important. Definitely, it definitely is all.

798
00:35:21,520 --> 00:35:23,880
Speaker 4: Right, Money direst It has been an absolute pleasure, but

799
00:35:24,000 --> 00:35:27,640
Speaker 4: unfortunately we've been talking for forty minutes and that is

800
00:35:27,680 --> 00:35:30,279
Speaker 4: all we have time for today. It has been an

801
00:35:30,280 --> 00:35:32,960
Speaker 4: absolute pleasure, and I know that our community has loved

802
00:35:33,000 --> 00:35:36,359
Speaker 4: all of your pervy details but also understanding that it's

803
00:35:36,480 --> 00:35:40,640
Speaker 4: proof that chasing passion over paychecks can be incredibly rewarding.

804
00:35:40,920 --> 00:35:42,920
Speaker 4: So thank you for your time. I have had an

805
00:35:42,960 --> 00:35:44,560
Speaker 4: absolute blast getting to know you.

806
00:35:44,719 --> 00:35:46,360
Speaker 2: Yeah, thank you so much for having me.

807
00:35:52,600 --> 00:35:54,759
Speaker 4: The if I shared on She's on the Money is

808
00:35:54,840 --> 00:35:58,440
Speaker 4: general in nature and does not consider your individual circumstances.

809
00:35:58,800 --> 00:36:02,200
Speaker 4: She's on the Money exist purely for educational purposes and

810
00:36:02,239 --> 00:36:04,680
Speaker 4: should not be relied upon to make an investment or

811
00:36:04,760 --> 00:36:08,360
Speaker 4: financial decision. If you do choose to buy a financial product,

812
00:36:08,400 --> 00:36:12,400
Speaker 4: read the PDS TMD and obtain appropriate financial advice tailored

813
00:36:12,440 --> 00:36:15,920
Speaker 4: towards your needs. Victoria Divine and Sheese on the Money

814
00:36:15,960 --> 00:36:20,839
Speaker 4: are authorized representatives of money Shoper Pty Ltd ABN three

815
00:36:20,960 --> 00:36:24,200
Speaker 4: two one six four nine two seven seven zero eight

816
00:36:24,480 --> 00:36:32,920
Speaker 4: AFSL four five one two eight nine