WEBVTT - How a $70k Pay Cut Led to True Happiness 0:00:00.680 --> 0:00:05.040 Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order 0:00:05.160 --> 0:00:08.760 Order Kerni Whoalbury and a waddery woman. And before we 0:00:08.800 --> 0:00:11.440 get started on She's on the Money podcast, I would 0:00:11.520 --> 0:00:14.520 like to acknowledge the traditional custodians of the land of 0:00:14.560 --> 0:00:18.680 which this podcast is recorded on a wondery country, acknowledging 0:00:18.680 --> 0:00:22.560 the elders, the ancestors and the next generation coming through. 0:00:23.040 --> 0:00:27.159 As this podcast is about connecting, empowering, knowledge sharing and 0:00:27.200 --> 0:00:30.560 the storytelling of you to make a difference for today 0:00:31.040 --> 0:00:33.080 and lasting impact for tomorrow. 0:00:33.320 --> 0:00:34.200 Let's get into it. 0:00:34.360 --> 0:00:53.600 She's on the Money, She's on the Money. 0:00:57.240 --> 0:01:01.040 Hello, and welcome to She's on the Money Podcast. Millennials 0:01:01.080 --> 0:01:04.200 who want financial freedom. Welcome back to another one of 0:01:04.240 --> 0:01:06.400 our money daries where we get to talk with one 0:01:06.440 --> 0:01:09.120 of our incredible She's on the Money community members all 0:01:09.240 --> 0:01:12.280 about their journey. Let's jump straight into it, because this 0:01:12.400 --> 0:01:15.360 week we got a message and it sounded exactly like this, 0:01:15.840 --> 0:01:18.759 Dear She's on the Money. I made a huge life 0:01:18.880 --> 0:01:22.280 change that on paper might sound crazy. I left my 0:01:22.400 --> 0:01:25.280 one hundred thousand dollar job in the city to move 0:01:25.319 --> 0:01:28.560 to the country, where I took a seventy thousand dollar 0:01:28.920 --> 0:01:31.360 pay cut. I was in a job I hated and 0:01:31.400 --> 0:01:34.520 now I work in education support, a job I'm genuinely 0:01:34.560 --> 0:01:38.000 passionate about. It was a bold move, but I couldn't 0:01:38.000 --> 0:01:41.000 be happier. For the first time, I actually look forward 0:01:41.080 --> 0:01:43.720 to getting to work every day. Plus, living in the 0:01:43.720 --> 0:01:48.000 country has brought unexpected financial benefits. We're saving so much 0:01:48.040 --> 0:01:50.440 more than we ever could in the city. It's proof 0:01:50.520 --> 0:01:54.559 that chasing passion over paychecks can be incredibly rewarding, both 0:01:54.600 --> 0:01:58.560 for your happiness and your wallet money. Darrist, welcome to 0:01:58.600 --> 0:01:59.040 the show. 0:01:59.240 --> 0:02:00.560 Hi, thanks for having me. 0:02:00.920 --> 0:02:03.480 First things first, that was so well written. I just 0:02:03.640 --> 0:02:05.720 know this is going to be a good diary. But 0:02:05.840 --> 0:02:10.680 also as seventy thousand dollars pay cut be for real, Like, 0:02:11.480 --> 0:02:13.360 let's be honest, where'd you get the balls for that? 0:02:13.760 --> 0:02:15.920 Well, yeah, it was a bit of a tricky one, 0:02:16.040 --> 0:02:18.520 but at the end of the day, money doesn't buy happiness, 0:02:18.560 --> 0:02:20.560 and that was the one thing that was the biggest 0:02:20.639 --> 0:02:21.240 change for me. 0:02:21.760 --> 0:02:22.079 Yeah. 0:02:22.160 --> 0:02:24.560 Wow, what was the point? Like if I was crying, 0:02:24.639 --> 0:02:27.399 like walking out of the office being so stressed out, 0:02:27.639 --> 0:02:28.360 what was the point. 0:02:28.480 --> 0:02:30.920 It's so true, it's so true, but like so many 0:02:30.919 --> 0:02:34.160 of us feel so trapped in the cycle that we 0:02:34.280 --> 0:02:37.600 just can't change it. So let's learn more. First things first, 0:02:37.880 --> 0:02:39.560 what grade would you give you money habits if I 0:02:39.600 --> 0:02:41.280 asked you to give them a grade from A through 0:02:41.320 --> 0:02:41.680 to F. 0:02:41.840 --> 0:02:44.320 So currently I'd probably give it a CNUS. I'm not 0:02:44.400 --> 0:02:46.560 the best at the moment, but we are definitely not 0:02:46.720 --> 0:02:49.280 in the worst situation. We have been better with money 0:02:49.320 --> 0:02:52.840 in the past, but right now still just getting there 0:02:52.880 --> 0:02:54.760 with the big obviously the pay decrease. 0:02:55.000 --> 0:02:57.480 Yeah, of course, Now tell me more. I need to 0:02:57.520 --> 0:03:00.440 know a lot more about your money story. Take me 0:03:00.520 --> 0:03:02.120 back and give us a bit more info. 0:03:02.400 --> 0:03:06.000 So going back, I would say with my parents growing up, 0:03:06.040 --> 0:03:08.880 both my parents are very work driven. My mum was 0:03:08.880 --> 0:03:11.880 in the defense Force. They worked really really hard for 0:03:11.919 --> 0:03:15.520 their money. We were quite well off compared to my 0:03:15.600 --> 0:03:18.360 friends and stuff, which I always just thought money was 0:03:18.440 --> 0:03:20.680 just there all the time because it wasn't spoken about, 0:03:20.840 --> 0:03:24.040 because you know, we were quite when then I had 0:03:24.120 --> 0:03:26.639 friends that were not as well off. They were living 0:03:26.680 --> 0:03:28.600 in house commission and all that, which was you know, 0:03:28.639 --> 0:03:30.760 it's great, and it was great that they had that option, 0:03:31.440 --> 0:03:33.760 but I found it a bit odd at the time. 0:03:33.800 --> 0:03:35.120 I was like, what do you mean you don't have 0:03:35.160 --> 0:03:38.400 a beach house down the road like New Sorrento. What 0:03:38.400 --> 0:03:41.120 do you mean? Like I thought everyone did you know'. 0:03:41.160 --> 0:03:44.560 Idle mean you just don't get it right, you just 0:03:44.600 --> 0:03:45.440 lived in your bubble. 0:03:46.120 --> 0:03:47.960 Yeah, I was like, what do you mean? Like you 0:03:48.000 --> 0:03:50.160 buy home brand fruit and you don't get like McDonald's 0:03:50.200 --> 0:03:52.120 every Friday night? What do you mean? Like I never oun? 0:03:52.160 --> 0:03:54.920 Oh my god? And do you know what is so funny? 0:03:55.000 --> 0:03:56.520 What do you mean you don't have a beach house 0:03:56.560 --> 0:03:59.440 down near Sorento? That is like I mean, and that's 0:03:59.440 --> 0:04:03.000 probably why you said it. It's like hilariously entitled, Like 0:04:03.240 --> 0:04:07.160 what do you mean? Like, oh, obviously like Sorrento, million 0:04:07.240 --> 0:04:09.920 dollar beach houses? Sure, why not? 0:04:10.000 --> 0:04:11.600 What do you mean you don't have a chalet up 0:04:11.600 --> 0:04:14.280 in Mount Hoforpe, Like what do you mean? Okay? Not really? 0:04:14.640 --> 0:04:15.600 Can I be adopted? 0:04:16.080 --> 0:04:17.400 Is that ad option? Like? No? 0:04:18.160 --> 0:04:21.240 I mean right now, I'm thinking, let's be honest, no 0:04:21.320 --> 0:04:23.599 wonder you could take a seventy thousand dollars pay cup, 0:04:23.600 --> 0:04:24.960 but we're going to learn more about that. 0:04:26.440 --> 0:04:28.279 We didn't actually have a chalet in matt Hope, And 0:04:28.279 --> 0:04:31.599 that was just making it be nice. Sorry, dad, where 0:04:31.640 --> 0:04:34.520 is it? And so that was like the growing up. 0:04:34.560 --> 0:04:36.720 But then I had my first child and I was 0:04:36.760 --> 0:04:39.160 a single mum, and then I learned how money does 0:04:39.240 --> 0:04:41.480 not grow on trees and it's not just endless there. 0:04:41.640 --> 0:04:44.200 Yeah, wow, that would have been a bit confronting coming 0:04:44.240 --> 0:04:46.520 from a well off family to being a single mum. 0:04:46.560 --> 0:04:49.719 You're like, hold up, Like, my spending habits are not 0:04:49.760 --> 0:04:51.520 in line with the lifestyle I currently have. 0:04:51.800 --> 0:04:54.520 That's exactly right. I'm like, what do you mean fortnightly payments? Here? 0:04:54.520 --> 0:04:57.120 I am waiting for my fortnightly paycheck. My friend even 0:04:57.120 --> 0:04:59.320 said to me, He's like, well, you've changed so much 0:05:00.080 --> 0:05:01.400 because you're just like I'm gonna wait to the next 0:05:01.480 --> 0:05:05.080 fortnite to get paid. And because I wasn't trying to 0:05:05.200 --> 0:05:06.680 borrow off my parents all the time, I was trying 0:05:06.680 --> 0:05:08.440 to be this strong independent woman. 0:05:08.440 --> 0:05:12.320 Yeap, which is definitely admirable, but it's stressful. 0:05:12.560 --> 0:05:14.440 So stressful. There was times I went to them and 0:05:14.480 --> 0:05:17.040 be like can you help me, like and they were 0:05:17.040 --> 0:05:18.040 like yeah, of course. 0:05:17.839 --> 0:05:20.359 Yeah, which is so nice to have to fall back on, 0:05:20.720 --> 0:05:23.480 but also like it's so nice to also be independent. 0:05:23.520 --> 0:05:24.000 It's hard. 0:05:24.240 --> 0:05:26.240 Yeah. The bank of Dad, I called it and he's like, 0:05:26.320 --> 0:05:28.359 bank of Dad will never forget. He has a list, 0:05:28.640 --> 0:05:30.760 an Excel spreadsheet of money that I owe him. 0:05:30.839 --> 0:05:33.479 Yeah, that's fair, that's a debt. We'll talk about that later. 0:05:33.920 --> 0:05:37.560 Yeah. Yeah. And then I got in a relationship with 0:05:37.600 --> 0:05:41.880 my partner that I've been with now for six years nearly, 0:05:42.480 --> 0:05:47.160 which took a big relief off my shoulders of having 0:05:47.160 --> 0:05:49.880 that other person there to help make ends meet and 0:05:49.920 --> 0:05:55.280 stuff like that. And yeah, so we everything improved from there, 0:05:55.360 --> 0:05:57.640 and there was some things along the way that kind 0:05:57.640 --> 0:06:00.640 of obviously we'll go into later of the debt questions 0:06:01.200 --> 0:06:04.159 that kind of made our money story have a little 0:06:04.160 --> 0:06:07.440 bit of an issue. But then we had more kids, 0:06:07.440 --> 0:06:10.680 and when I had my third child, that's when I 0:06:10.720 --> 0:06:13.000 made the career change choice. When I went on attorney 0:06:13.000 --> 0:06:14.479 to leave, I was like, I don't want to go 0:06:14.560 --> 0:06:18.440 back to work to that job. I want to move forward, 0:06:18.800 --> 0:06:19.479 and which I did. 0:06:19.600 --> 0:06:21.480 Yeah, I love that. I want to know, like, there 0:06:21.480 --> 0:06:23.680 are so many pervy details I need to know. So 0:06:24.400 --> 0:06:28.000 if you'd gone back to that one hundred thousand dollar job, 0:06:28.480 --> 0:06:31.240 what would have childcare looked like? Like, I know, you've 0:06:31.279 --> 0:06:33.640 got like two young kids and then you've got a 0:06:33.720 --> 0:06:36.039 kid that's at school age, So like, what would have 0:06:36.080 --> 0:06:38.440 that looked like? Because that would have weighed significantly on 0:06:38.480 --> 0:06:39.920 the financial decision as well. 0:06:40.040 --> 0:06:42.560 Hey, oh what have like the phase of ridiculous? A 0:06:42.560 --> 0:06:45.760 lot of people don't realize how expensive childcare is and 0:06:45.800 --> 0:06:48.800 you only get I think a hundred subsidized hours or something. 0:06:49.320 --> 0:06:51.160 So I was having to drop them off at a 0:06:51.160 --> 0:06:54.680 certain time every day would be say seven thirty, They'd 0:06:54.760 --> 0:06:57.920 have to be there only after seven thirty, and trying 0:06:57.920 --> 0:07:01.479 to get to the city job would have been a nightmare. Yeah. 0:07:01.520 --> 0:07:04.599 Wow, And so tell me a bit more about like 0:07:04.680 --> 0:07:07.800 this pay cut. So you've gone from working I'm assuming 0:07:07.880 --> 0:07:11.920 full time one hundred thousand dollars a year to obviously 0:07:12.160 --> 0:07:14.840 less than that. But are you working part time now 0:07:15.040 --> 0:07:17.240 or like what does your work life balance look like 0:07:17.280 --> 0:07:18.080 in comparison? 0:07:18.320 --> 0:07:20.920 So I work part time. I work three days a week, 0:07:21.520 --> 0:07:25.040 which has been a great thing for me mentally and 0:07:25.080 --> 0:07:27.440 for my kids because I have the amount of childcare 0:07:27.480 --> 0:07:30.440 two days a week and we have fun if we 0:07:30.480 --> 0:07:34.880 go to playgroup, my toddler does dance and things like 0:07:35.000 --> 0:07:37.960 I missed out on with my eldest daughter because I 0:07:37.960 --> 0:07:39.080 had to work full time. 0:07:39.240 --> 0:07:41.760 Yeah, but you're also single, mum. Like, let's just remember 0:07:41.840 --> 0:07:43.360 the part where you were doing all of that on 0:07:43.400 --> 0:07:45.120 your own, and like, I feel like you were doing 0:07:45.160 --> 0:07:46.840 the best that you could with everything that you had 0:07:46.880 --> 0:07:49.200 at that time, right, Yeah, yeah, definitely. 0:07:49.320 --> 0:07:51.200 I don't look back and say, oh my god, I 0:07:51.200 --> 0:07:53.360 should have done this or done that. I know I 0:07:53.360 --> 0:07:57.600 did what I could with what I had, and I'm yeah, 0:07:57.640 --> 0:08:00.400 it's harder, and I'll look back at it sometimes, Oh God, 0:08:00.440 --> 0:08:02.200 have done this with her. I'm so sad and a then, 0:08:02.400 --> 0:08:04.240 but look where we are now. 0:08:04.400 --> 0:08:06.160 Yeah, one hundred percent. I feel like we do that 0:08:06.200 --> 0:08:08.480 with everything, right, Like I look back and I go, oh, 0:08:08.480 --> 0:08:10.560 I wish i'd done XYZ earlier. It's like, well, be 0:08:10.760 --> 0:08:13.200 you didn't have the knowledge, then, you didn't have the understanding, 0:08:13.240 --> 0:08:16.080 you didn't even want that then, Like it makes sense. 0:08:16.240 --> 0:08:18.240 But like we're all just out here doing the best 0:08:18.280 --> 0:08:20.480 that we can, right, especially when it comes to kids. 0:08:20.520 --> 0:08:23.040 There's so many like shouldar would have couders, and I 0:08:23.120 --> 0:08:25.560 just think we are all just in the moment doing 0:08:25.600 --> 0:08:28.120 the best that we absolutely can. And you know what, that. 0:08:28.200 --> 0:08:31.400 Is good enough exactly right. There's no manual for being 0:08:31.400 --> 0:08:35.480 a parent. They didn't teach us this in school. I know. 0:08:35.920 --> 0:08:38.040 I'm still in shock that they let me walk out 0:08:38.040 --> 0:08:41.319 of a hospital with a newborn and no license for it. 0:08:41.559 --> 0:08:44.920 Like I couldn't even go and get a car without 0:08:44.960 --> 0:08:47.640 a license, and you're letting me have an entire human 0:08:47.679 --> 0:08:52.400 being like that. That feels illegal, But okay, I agree. 0:08:52.120 --> 0:08:54.840 To that so much Like what the instruction manual to 0:08:54.840 --> 0:08:55.520 get them to sleep? 0:08:55.600 --> 0:08:55.680 Like? 0:08:55.720 --> 0:08:56.200 Where is it? 0:08:56.400 --> 0:08:58.480 I don't know, but at three am last night, I 0:08:58.559 --> 0:09:01.320 really really would have appreciated having some sort of manual. 0:09:01.320 --> 0:09:03.640 But that is okay. I want to know. Tell me 0:09:03.679 --> 0:09:06.760 a bit more about you exactly, So what do you earn? 0:09:07.120 --> 0:09:09.000 What is your job title? And tell me a bit 0:09:09.040 --> 0:09:11.440 about what you used to earn and what your job 0:09:11.520 --> 0:09:12.240 title was. 0:09:12.320 --> 0:09:16.440 Then, So my current job, I'm an education support worker 0:09:16.520 --> 0:09:19.000 at a primary school. By the days that I work 0:09:19.080 --> 0:09:22.320 and the step that I'm on further salary, I earn 0:09:22.520 --> 0:09:26.760 about thirty k per year for the three days And. 0:09:26.840 --> 0:09:29.880 Is that pro rata from a fifty thousand dollars package 0:09:30.000 --> 0:09:32.960 or is that just like the role is only part time. 0:09:32.880 --> 0:09:36.040 That is pro writer for the hours that I work. Yes, 0:09:36.400 --> 0:09:39.200 so it's not too bad for what I do. I 0:09:39.240 --> 0:09:45.240 love it, but Previously, I was an accountant in work 0:09:45.360 --> 0:09:48.839 five days a week, nine to five life. Literally Dolly 0:09:48.880 --> 0:09:53.120 Parton was that song It's Made for You. Yeah, it 0:09:53.200 --> 0:09:56.640 was fain for me, and I spent my days at 0:09:56.679 --> 0:10:02.240 a desk, changed my desk answering e to people being 0:10:02.320 --> 0:10:04.719 quite angry and stuff like that, like. 0:10:04.760 --> 0:10:08.000 Yeah, no, thank you, no thanks, not for you, not 0:10:08.160 --> 0:10:09.680 for you. And now you get to work in a 0:10:09.720 --> 0:10:12.959 primary school with kids, being an education support worker. How 0:10:13.000 --> 0:10:13.600 cool is that? 0:10:13.840 --> 0:10:15.960 I love it so much. I actually just finished my 0:10:16.040 --> 0:10:18.400 first term. I cried on the way home because I 0:10:18.400 --> 0:10:19.720 was going to miss the kids for two weeks. 0:10:19.760 --> 0:10:22.359 Oh my gosh, you're soesome. 0:10:21.920 --> 0:10:25.240 Because like, what are the boys that I will students 0:10:25.240 --> 0:10:27.920 a look after? He actually gifted me some Pokemon cards 0:10:27.960 --> 0:10:30.760 because we bonded over Pokemon, so he went through his 0:10:30.800 --> 0:10:32.920 old cards with his mom the night before. 0:10:33.080 --> 0:10:36.200 Oh when he gave you some, that's so wholesome. Like, 0:10:36.480 --> 0:10:39.640 I hope that when my kids get to school they 0:10:39.679 --> 0:10:42.080 have people that care about them as much as you do, 0:10:42.679 --> 0:10:46.319 Like I want you everywhere, Like I just want my 0:10:46.400 --> 0:10:49.000 kids to go to school and have that type of relationship. 0:10:49.080 --> 0:10:51.320 Like that is so special. 0:10:51.080 --> 0:10:53.320 It is it makes my day every day there is 0:10:53.360 --> 0:10:55.040 hard days. I'm not going to say it's an easy job. 0:10:55.080 --> 0:10:57.440 There's days where I came home and like, oh what 0:10:57.480 --> 0:10:58.040 have I done? 0:10:58.960 --> 0:11:00.880 Why am I? Do we miss this? It's so stressful. 0:11:01.480 --> 0:11:02.800 But then they go in the next day and it's 0:11:02.800 --> 0:11:03.520 a brand new day. 0:11:04.240 --> 0:11:07.959 Totally, totally well. It sounds like life has changed significantly 0:11:08.160 --> 0:11:10.680 for you recently. Tell me a bit about money goals. 0:11:10.720 --> 0:11:12.480 What are currently your big money goals? What are you 0:11:12.520 --> 0:11:13.280 working towards? 0:11:13.400 --> 0:11:16.000 So I have a two step money goal plan. So 0:11:17.200 --> 0:11:19.520 first step is paying off our weddings. So we're getting 0:11:19.559 --> 0:11:21.120 married in November next year. 0:11:21.320 --> 0:11:24.000 Oh I had a November wedding. Good time for one. 0:11:24.120 --> 0:11:26.400 Oh I know, because it's not too hot, not too cold. 0:11:26.160 --> 0:11:28.000 In Melbourne, so yeah, perfect. 0:11:28.280 --> 0:11:30.560 And then it's to buy a house obviously after the 0:11:30.559 --> 0:11:34.240 honeymoon and everything like that. We're just going like, let's 0:11:34.280 --> 0:11:36.559 get there. We've got to improve our credit ratings because 0:11:36.600 --> 0:11:40.560 young me made some inquiries that she shouldn't have made 0:11:40.600 --> 0:11:42.320 on her credit file and they just sit there. They 0:11:42.320 --> 0:11:46.160 don't forget. Equifax doesn't move on holds on forever. 0:11:46.559 --> 0:11:49.120 Yeah, yeah, or at least seven years. Tell me I 0:11:49.160 --> 0:11:52.040 need to know wedding details when you stay pay off 0:11:52.040 --> 0:11:55.680 your wedding. Can we have some juicy dates on what's 0:11:55.679 --> 0:11:58.120 your wedding costing you? How did you do the planning? Like, 0:11:58.240 --> 0:12:02.320 weddings can be like ten grand or they could be 0:12:02.400 --> 0:12:04.400 like two hundred grand. What are we talking? 0:12:04.800 --> 0:12:07.800 We're talking about I think it. When I've done my 0:12:08.280 --> 0:12:13.040 lovely spreadsheet, it was about twenty five to thirty thousand dollars. 0:12:13.120 --> 0:12:15.040 Oh that's pretty good in this economy. 0:12:15.200 --> 0:12:17.120 Oh and for the venue I got, Like, obviously I 0:12:17.120 --> 0:12:18.040 don't want to say. 0:12:18.080 --> 0:12:20.000 No, no, don't tell me like and it doesn't matter 0:12:20.000 --> 0:12:21.880 because most people won't know it anyway. So you've got 0:12:21.920 --> 0:12:23.240 a good venue, got a good deal. 0:12:23.440 --> 0:12:26.760 Yeah, it's in the city. It's a special place where 0:12:26.760 --> 0:12:28.200 we spend a lot of time as a family. 0:12:28.440 --> 0:12:29.760 Oh, how good. You're going to have to tell me 0:12:29.800 --> 0:12:31.840 off there so that I can have a little bit 0:12:31.840 --> 0:12:33.720 of a look. See. But so you've got like the 0:12:33.800 --> 0:12:37.000 venue that you wanted. You're really excited about it. What 0:12:37.160 --> 0:12:39.920 was the biggest surprise when it came to wending budgeting? 0:12:40.240 --> 0:12:41.760 How much is Celebrate cost? 0:12:41.920 --> 0:12:42.360 Oh? 0:12:42.480 --> 0:12:45.719 Really, I was shocked on how much some of them 0:12:46.040 --> 0:12:49.120 would charge you. I was like, I get what they 0:12:49.120 --> 0:12:50.600 do and all that and they do a lot into it. 0:12:50.679 --> 0:12:52.600 Once they sent me the contract, I was like, Okay, 0:12:52.640 --> 0:12:54.960 this is why you cost this X amount of money. 0:12:55.800 --> 0:12:59.480 I was kind of like, oh wow, that's really expensive 0:12:59.520 --> 0:13:01.880 and a photo boof. I didn't realize how expensive they 0:13:01.920 --> 0:13:02.520 are as well. 0:13:02.720 --> 0:13:06.320 Yeah, that's so true. I feel like I wasn't shocked 0:13:06.360 --> 0:13:09.440 by my celebrant cost, but I'm not surprised, And I 0:13:09.440 --> 0:13:12.480 think it's just because I've had clients who were celebrants historically, 0:13:12.960 --> 0:13:15.640 but it can be anywhere from a couple of hundred 0:13:15.640 --> 0:13:19.200 dollars to like thousands of dollars, and like obviously the 0:13:19.240 --> 0:13:22.200 more experienced one is or the more you've seen them 0:13:22.240 --> 0:13:25.080 on social media, the more expensive they're probably gonna be. 0:13:25.440 --> 0:13:27.760 And like I really doubled down on the celebrant cost 0:13:27.760 --> 0:13:30.319 when I got married money Drest because I got her 0:13:30.320 --> 0:13:32.760 to be the MC for our wedding as well, because 0:13:32.800 --> 0:13:34.840 I remember being like, I just want everyone at our 0:13:34.840 --> 0:13:36.679 wedding to have a good time, Like I don't want 0:13:36.720 --> 0:13:38.720 to put the pressure on like you know, my husband's 0:13:38.720 --> 0:13:42.200 best mate to MC our wedding and not drink the 0:13:42.440 --> 0:13:44.720 entire night, not have a fun time in the entire night, 0:13:44.760 --> 0:13:47.720 and be like time tracking, Like that was just something 0:13:47.720 --> 0:13:49.400 that was important to me because I knew that, like 0:13:49.840 --> 0:13:51.960 in my head, no one really wanted to do that. Like, 0:13:52.000 --> 0:13:54.280 if you've got somebody who wants to do it, fantastic, 0:13:54.320 --> 0:13:56.600 But like I doubled down and so basically paid her 0:13:56.640 --> 0:13:59.800 twice so that she could be the celebrant then be 0:13:59.880 --> 0:14:03.640 the So I remember being like, oh, lots of exper 0:14:03.720 --> 0:14:04.559 but okay. 0:14:04.440 --> 0:14:06.800 I've done the same thing. Actually, And what I love 0:14:06.800 --> 0:14:10.520 about my celebrant is if there's any celebrants listening. Best 0:14:10.520 --> 0:14:13.120 thing that this guy did was he sent me a 0:14:13.160 --> 0:14:15.559 video of him talking, because you're gonna have to hear 0:14:15.600 --> 0:14:18.160 celebrate talking through the wedding. And I was like, that 0:14:18.400 --> 0:14:21.520 sold on you. You've taken this extra step. Let's go. 0:14:21.640 --> 0:14:22.600 How good is that? 0:14:23.240 --> 0:14:23.560 All right? 0:14:23.560 --> 0:14:25.880 I have more questions. Tell me a bit about this 0:14:26.040 --> 0:14:28.440 goal for buying a house. So you said that you 0:14:28.440 --> 0:14:30.200 want to save for a house deposit. What does that 0:14:30.240 --> 0:14:31.560 look like? Are we buying regionally? 0:14:31.600 --> 0:14:31.800 Now? 0:14:31.840 --> 0:14:33.160 You live out further. 0:14:33.240 --> 0:14:37.880 Yeah, so we are looking to actually move further out regional. 0:14:38.240 --> 0:14:42.600 We are quite in a regional built up area. I 0:14:42.720 --> 0:14:47.480 love the country vibe. I love how there is so 0:14:47.600 --> 0:14:51.360 much nature out here and there's so much space, and 0:14:51.400 --> 0:14:54.040 the houses are so much cheaper out here compared to 0:14:54.040 --> 0:14:58.120 where we were living, Like, it's ridiculously so much cheaper. 0:14:59.520 --> 0:15:01.200 Did you get for your money as well? 0:15:01.240 --> 0:15:03.880 Yeah, one hundred percent you do. It's crazy and like 0:15:04.120 --> 0:15:06.840 such a good idea. I love this. And what type 0:15:06.840 --> 0:15:08.360 of time frame do you think that is? Is that 0:15:08.520 --> 0:15:11.360 like save for a home and buy straight after the 0:15:11.360 --> 0:15:13.440 wedding or save for a home and buy a couple 0:15:13.440 --> 0:15:15.800 of years after. I mean, you've got three kids, Like, 0:15:16.000 --> 0:15:18.000 I feel like that's going to take a little bit 0:15:18.000 --> 0:15:21.480 of effort in comparison to, like, you know, straight after 0:15:21.520 --> 0:15:21.960 the wedding. 0:15:22.840 --> 0:15:26.160 Our goal is in five years. We're trying to clear 0:15:26.240 --> 0:15:30.720 up some debt and obviously improve our credit file as well, 0:15:31.080 --> 0:15:33.880 so we're not inquiring for any loans or anything like that. 0:15:33.920 --> 0:15:37.200 We're like, no, everything is getting closed off, don't touch it. 0:15:37.360 --> 0:15:39.440 Yeah, and we're just going to smash down debt. All right, Well, 0:15:39.480 --> 0:15:41.440 let's go to a really quick break because on the 0:15:41.440 --> 0:15:43.480 flip side, I'm going to ask you about the debt 0:15:43.480 --> 0:15:45.040 that you have, how you got it, what it looks like. 0:15:45.080 --> 0:15:47.000 We're going to be chatting about investment, and I want 0:15:47.000 --> 0:15:48.800 to know your best and worst money habits, because I 0:15:48.840 --> 0:15:53.720 feel like someone who has significantly decreased their income is 0:15:53.760 --> 0:15:55.360 going to have some good money habits that we can 0:15:55.400 --> 0:16:02.800 learn from. So don't go anywhere money dirist. We are back, 0:16:02.800 --> 0:16:05.840 and I want to know have you invested? Will you 0:16:05.920 --> 0:16:07.600 invest what's the plan around that? 0:16:07.800 --> 0:16:12.520 So I use chair Zy's at the moment, I stopped 0:16:12.560 --> 0:16:16.400 buying lunch because I've obviously I changed my job, and 0:16:16.480 --> 0:16:18.600 I put the money that I would have spent getting 0:16:18.680 --> 0:16:21.120 tadash delivered to work into Chazy's. 0:16:21.160 --> 0:16:22.400 Oh my gosh, you actually did. 0:16:22.440 --> 0:16:22.680 Do you know? 0:16:22.720 --> 0:16:24.440 Their podcast is called lunch Money. 0:16:25.800 --> 0:16:26.000 Yeah. 0:16:26.080 --> 0:16:28.840 Their podcast is literally called lunch money. And I love 0:16:28.920 --> 0:16:31.760 the fact that you then are investing on their platform 0:16:31.880 --> 0:16:33.720 using your actual lunch money. 0:16:34.120 --> 0:16:37.120 Yeah. And I use their roundup feature too, where like 0:16:37.200 --> 0:16:39.360 it rounds up what you spend and that it's invested 0:16:39.400 --> 0:16:41.720 into what ETF and then I don't have to think 0:16:41.760 --> 0:16:43.920 about it and they do everything for me. 0:16:44.520 --> 0:16:46.520 I love that. How did you start where you like, 0:16:46.720 --> 0:16:48.800 I really need to start investing or is this like 0:16:48.840 --> 0:16:51.160 a plan when you left corporate you were like, all right, 0:16:51.200 --> 0:16:53.400 I'm going to take this money and redirect it, because 0:16:53.400 --> 0:16:55.520 that's like genius. 0:16:55.120 --> 0:16:57.360 I believe I got the advice from the podcast about 0:16:57.400 --> 0:16:59.160 the coffee, like if you don't buy the coffee, a 0:16:59.200 --> 0:17:01.560 coffee a day or way, how much could you invest? 0:17:01.640 --> 0:17:02.800 It's wild, isn't it. 0:17:02.800 --> 0:17:04.960 It's crazy. I've got so much in that, I think 0:17:04.960 --> 0:17:08.280 because like four hundred dollars in their last time I checked. 0:17:08.280 --> 0:17:09.840 Oh my gosh, I love that. And how much were 0:17:09.840 --> 0:17:12.399 you spending each week? I have to know, like on 0:17:12.720 --> 0:17:16.359 door dashing lunch. Like don't get me wrong, like lunch 0:17:16.400 --> 0:17:19.919 at work is already expensive, but like having it delivered 0:17:20.000 --> 0:17:22.639 every day, girl, you would have been bleeding money. 0:17:23.040 --> 0:17:25.760 I think it was like at least one hundred dollars 0:17:25.840 --> 0:17:26.840 a week I was spending. 0:17:27.000 --> 0:17:28.360 Oh that's so painful. 0:17:28.600 --> 0:17:30.199 I know it was so bad, but I was just 0:17:30.240 --> 0:17:34.440 like I just want comfort food. All what Menando's delivered? Please? 0:17:34.720 --> 0:17:36.639 Yeah, look I get it. And if you weren't enjoying 0:17:36.640 --> 0:17:38.720 your work either, like that would have been like the 0:17:38.760 --> 0:17:40.840 one thing that you were looking forward to during the 0:17:40.920 --> 0:17:42.960 day or the one thing that kind of like lifted 0:17:43.000 --> 0:17:45.080 your spirits on the days that you were like, oh 0:17:45.119 --> 0:17:47.479 this is not working for me, so like I can 0:17:47.520 --> 0:17:49.560 see how you do it, but and this is going 0:17:49.560 --> 0:17:51.480 to bring the mood down. But it is a really 0:17:51.480 --> 0:17:54.840 slippery slope. Do you know twenty seven dollars fifty a 0:17:54.920 --> 0:17:57.840 day in spending is ten thousand dollars a year. 0:17:58.000 --> 0:17:59.399 Oh gosh, yeah, I know. 0:17:59.560 --> 0:18:02.399