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

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Speaker 1: the Order, Kerney Whalbury and a waddery woman. And before

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

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

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

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

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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

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Speaker 1: today 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, the podcast

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Speaker 4: for millennials who want financial freedom. Welcome back to another

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Speaker 4: one of our money diaries where I get the absolute

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Speaker 4: privilege of talking to one of our incredible She's on

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Speaker 4: the Money community members all about their journey. Let's jump

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Speaker 4: straight into it, because this week I got a message

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Speaker 4: and it sounded like this.

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Speaker 1: Hi V.

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Speaker 2: I'm twenty five and spending is.

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Speaker 4: My crack due to a secret affair. My parents suddenly

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Speaker 4: separated when I was six. Mum has always been a saver.

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Speaker 4: Dad total opposite and relies on loans No matter the paycheck,

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Speaker 4: my spending and savings go through extremes. After being misdiagnosed

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Speaker 4: with anxiety and depression in twenty eighteen, my mental and

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Speaker 4: financial wellbeing was taking a beating. Late twenty twenty two,

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Speaker 4: at twenty five years old, I was diagnosed with ADHD.

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Speaker 4: This was an incredibly expensive, but relieving experience, as the

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Speaker 4: world and my financial behaviors made sense. Now I've paid

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Speaker 4: off twenty five thousand dollars worth of consumer debt, but

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Speaker 4: I'm right at the beginning of my journey to financial freedom.

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Speaker 4: I have no savings and dopamine hits are steal my crack.

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Speaker 4: But I'm learning every day thanks to Sheese on the

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Speaker 4: Money Are money Diarist? Are we two peas in a pod?

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Speaker 5: I think so, Oh my gosh.

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Speaker 4: I feel like this is so relatable being misdiagnosed with

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Speaker 4: anxiety and depression When you actually have ADHD, I feel

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Speaker 4: like it's so common. And while I still do have

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Speaker 4: anxiety and depression and I am medicated for both of

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Speaker 4: those things, I feel like so many times people just

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Speaker 4: whipped my ADHD off the table because they were like, baby,

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Speaker 4: it's just depression. It's just anxiety. It absolutely is not

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Speaker 4: so money diarist. I'm really excited to learn a bit

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Speaker 4: more about this, But as always, I ask this question

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Speaker 4: at the start so that we can get.

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Speaker 2: A little bit of frame of reference.

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Speaker 4: If I asked you to give your money habits a grade,

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Speaker 4: what would you grade them? On a scale of A

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Speaker 4: through F.

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Speaker 3: So about two years ago I would have given myself

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Speaker 3: a B M, and then up until about six weeks ago,

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Speaker 3: I would have given myself AD And I think now

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Speaker 3: i'm tracking back at a bee minus.

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Speaker 2: Oh, a bee minus. That's a glow up in six weeks. Yes,

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Speaker 2: I'm excited to hear more about that. Let's ask my

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Speaker 2: favorite question ever, can you please tell me a little

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Speaker 2: bit more about your money story. I feel like this

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Speaker 2: one's a little bit spicy, especially with how you wrote

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Speaker 2: in Yeah.

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Speaker 3: So, like I said, Mum really good with money, always

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Speaker 3: made sure the bills were paid.

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Speaker 5: Dad very impulsive, quite similar to me.

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Speaker 3: But it wasn't really something that was spoken about at all. Really,

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Speaker 3: I had no idea about our situation. I only knew

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Speaker 3: that we were having home brand family pies for dinner,

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Speaker 3: mushy peas, that kind of thing. Saying that though I

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Speaker 3: didn't go without completely, I was really fortunate to be

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Speaker 3: really close with my grandparents because my parents were quite

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Speaker 3: young when they had me, so I did get to

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Speaker 3: go to England with them when I.

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Speaker 5: Was younger, and they kind of spoiled me a little bit.

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Speaker 3: But I've started to come to terms with ADHD playing

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Speaker 3: a big role in my money story, and it's kind

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Speaker 3: of all or nothing mentality with everything, not just money.

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Speaker 3: But I'm getting better with it now. I'm still working

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Speaker 3: it out. It's still a day by day thing. I

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Speaker 3: went to a private school which was funded by my

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Speaker 3: mum's work because she works in the government, which was

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Speaker 3: really good, and I wasn't allowed to work during school,

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Speaker 3: so I had no basis of how to save money

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Speaker 3: or how to even work or interact with people. After school,

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Speaker 3: I went straight into work. I didn't have any time off,

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Speaker 3: and I just started working at a local retailer that

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Speaker 3: I didn't like it, it was just that got me through.

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Speaker 3: Got my first paycheck, spent it all because that was

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Speaker 3: the first bit of money I'd ever kind of received,

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Speaker 3: and it just kept going, so kept earning, kept spending.

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Speaker 3: I was lucky enough to be able to live at home,

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Speaker 3: so I didn't have rent. But it got to the

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Speaker 3: point where I started to need to pay for things, and.

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Speaker 5: That's when it got a.

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Speaker 3: Little slippery, and I started to rely a little bit

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Speaker 3: old credit cards and getting alone. I never was taught

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Speaker 3: to save or had any type of knowledge on what

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Speaker 3: to do when you get a paycheck, so it was, yeah,

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Speaker 3: a slippery slope.

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Speaker 5: Got into a lot of debt.

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Speaker 3: Working in the field that I do in dental, I

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Speaker 3: wanted to have straight teeth.

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Speaker 5: That was a very expensive escapade.

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Speaker 2: I can absolutely relate to that. I did not realize

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Speaker 2: how expensive it would be to straighten my teeth.

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Speaker 3: And that was with a discount as well for my

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Speaker 3: line of work, so that was quite expensive. I had

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Speaker 3: to buy my first car, so all those things, I

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Speaker 3: just thought, oh, need a loan, need to.

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Speaker 5: Get a payment plan, and I thought that was okay.

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Speaker 5: So yeah, that's kind of where that went.

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Speaker 2: To, Oh my gosh. So it just all added up

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Speaker 2: and added up.

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Speaker 4: Do you think that you got I guess that mentality

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Speaker 4: from your dad because he was very much a I

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Speaker 4: rely on credit So when you first got your credit card,

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Speaker 4: it didn't scare you or worry you in any way,

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Speaker 4: shape or form.

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Speaker 5: No, it terrified me.

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Speaker 3: I didn't like the idea of getting a credit card

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Speaker 3: or getting loans or anything, but I didn't know any

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Speaker 3: other way. So yeah, my grandparents. My mom was always

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Speaker 3: don't get a credit card, don't get a credit card.

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Speaker 3: But my dad, without meaning to, kind of opened that door.

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Speaker 2: That makes absolute sense.

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Speaker 4: I feel like sometimes when you just don't have enough,

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Speaker 4: feel like I'm terrified of this situation, but I also

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Speaker 4: can't see another option on the table for me at

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Speaker 4: the moment. How did it ultimately spiral from you just

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Speaker 4: getting a credit card to get by to be twenty

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Speaker 4: five thousand dollars of debt.

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Speaker 5: I don't know, honestly. I think it's just your living life.

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Speaker 3: And I kept having that Yoloe mentality of I only

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Speaker 3: live once. I just need to do whatever I can.

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Speaker 3: I didn't do any major travel, I didn't do anything crazy,

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Speaker 3: but I wanted to be young and afford going out

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Speaker 3: to dinners. And I was always comparing my situation with

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Speaker 3: people around me who could afford to do that because

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Speaker 3: they had jobs in school, they had parents who could

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Speaker 3: afford it. So I just wanted to keep up with

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Speaker 3: the Joneses, and I secretly knew that I couldn't do

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Speaker 3: it without those things.

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Speaker 2: Yeah, I totally relate to that.

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Speaker 4: I feel like it's such a I want to say

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Speaker 4: slippery slope, but it's not. It's like a hill because

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Speaker 4: you know what you're doing each and every single time,

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Speaker 4: But each and every single time you tell yourself like, oh,

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Speaker 4: I won't rely on it next time, like I'll just

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Speaker 4: sort it out this time, and then it just it

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Speaker 4: feels like it gets.

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Speaker 2: Away from you.

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Speaker 5: Right, Yeah, exactly.

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Speaker 4: So you said before, now you're out of debt, twenty

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Speaker 4: five thousand dollars would have been super overwhelming. How did

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Speaker 4: you get out of twenty five thousand dollars worth of debt?

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Speaker 5: I didn't have twenty five thousand dollars.

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Speaker 3: Always, it was kind of putting myself in debt getting

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Speaker 3: out of it, putting myself back in worse debt getting

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Speaker 3: out of it.

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Speaker 5: It was a back and forth situation, a cycle. Yeah,

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Speaker 5: it was a cycle, and.

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Speaker 3: I couldn't break it, and I'm happy to say I've

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Speaker 3: finally broken it.

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Speaker 4: What's the secret? How do we break it? There are

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Speaker 4: lots of people who are struggling with this, and to

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Speaker 4: be honest, I feel like I.

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Speaker 2: Still struggle being a little bit spendy.

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Speaker 3: There's no secret and I haven't worked it out, so

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Speaker 3: if you work it out, so helpful.

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Speaker 4: Thank you for coming on the show. Nice having your

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Speaker 4: money diressed so so great. I want to know so

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Speaker 4: much more about this, so I need to know. Now,

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Speaker 4: what do you do for work? How much money do

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Speaker 4: you earn?

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Speaker 5: So I have these written down.

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Speaker 3: I'm a clinical manager for a dental practice, which is

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Speaker 3: about sixty six thousand, two hundred a year including super

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Speaker 3: and then I also have a second job, which is

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Speaker 3: a food and beverage attendant, and I get anywhere from

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Speaker 3: eighty dollars a week to about three hundred, So it

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Speaker 3: kind of just depends on how many hours I'm getting

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Speaker 3: and if I can mentally keep up with it.

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Speaker 4: When you said food and beverage attendant, that reminded me

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Speaker 4: of when I was at UNI and I used to

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Speaker 4: do like casual work for events and stuff. Is that

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Speaker 4: similar or is this like in a restaurant or what

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Speaker 4: does that look like in a.

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Speaker 3: Bar and restaurant? But same award rate, I think with

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Speaker 3: doing events and.

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Speaker 2: Stuff, Yeah, how good?

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Speaker 4: And that just is flexible depending on how much staffing

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Speaker 4: they need or like the events and stuff that are

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Speaker 4: going on there or what does that look like?

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Speaker 3: Yeah, so sometimes I'm really motivated and I want to

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Speaker 3: earn heaps of money.

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Speaker 2: Other times you're like, I do not want to have

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Speaker 2: a second job right now.

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Speaker 3: This week is hectic, yes, exactly, and I want to

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Speaker 3: pick up heaps of shifts. So I work and then

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Speaker 3: I burn myself out, and then the next week I

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Speaker 3: don't want to work at all. So it's just I'm

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Speaker 3: still trying to find that happy medium of how many

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Speaker 3: shifts is enough for me?

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Speaker 2: Yeah? Absolutely? So what does that mean?

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Speaker 4: You're taking home each week on average between the two

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Speaker 4: into your bank account.

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Speaker 5: So I get paid fortnightly.

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Speaker 3: So fortnightly is two thousand and thirty bucks from my

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Speaker 3: dental job and then around two hundred a week for

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Speaker 3: my bar job.

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Speaker 4: That's not too bad. So talk to me a little

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Speaker 4: bit more about your money goals. You've got this two

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Speaker 4: thousand and thirty dollars plus maybe two hundred dollars a

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Speaker 4: week is coming in each and every single fortnight.

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Speaker 2: What are we working towards?

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Speaker 4: You got out of debt, you setting your letter in

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Speaker 4: that You're now I guess beginning your journey to financial freedom,

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Speaker 4: which I think is so exciting, But what does that

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Speaker 4: look like? What are the big money goals that we

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Speaker 4: have on the table.

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Speaker 3: So I want the white picket fence Australian dream house, yes,

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Speaker 3: but there's also a few things in between that that

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Speaker 3: I really like.

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Speaker 5: To do for myself.

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Speaker 3: I have two holidays coming up, one in August for

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Speaker 3: a country concert, which I'm so excited about.

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Speaker 2: How cool I know, I.

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Speaker 3: Know, and a wedding next year for one of our

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Speaker 3: best mates. So they're two of the short term money goals.

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Speaker 3: And then next year I am hoping to get a

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Speaker 3: breast reduction, So that's kind of a really big goal

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Speaker 3: that I'm working towards that I'm hoping will be a

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Speaker 3: next year thing.

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Speaker 4: And is that something that you're working with a doctor

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Speaker 4: to make sure that it kind of goes through Medicare

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Speaker 4: and you actually get it as cheap as possible or

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Speaker 4: is that something clear You're going, all right, well, my

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Speaker 4: back isn't breaking me. This is cosmetic because there are

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Speaker 4: obviously two very different streams you could go down when

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Speaker 4: it comes to a breast reduction.

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Speaker 3: No, I definitely went down the doctor referral path to

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Speaker 3: get it because it's medically necessary, so a lot of

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Speaker 3: it will be covered under Medicare, which.

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Speaker 2: Is fabulous an absolute money when yes, but that means

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Speaker 2: that you're probably on long waitlists. So what does that

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Speaker 2: look like do you think?

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Speaker 5: I don't think it's too long a waitlist.

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Speaker 3: I live in the top end, so we're pretty lucky

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Speaker 3: with that sort of thing. We don't have the best choice,

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Speaker 3: but the waiting list isn't too bad.

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Speaker 2: How much do you think that you'll be out of

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Speaker 2: pocket for that?

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Speaker 3: I have to pay about eight to ten grand upfront,

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Speaker 3: and then we do the surgery and then I will

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Speaker 3: get a lot of it back, potentially about two grand

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Speaker 3: out of pocket after all this, But I still have

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Speaker 3: to have the money there beforehand, yeah.

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Speaker 2: To fund it.

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Speaker 4: So what will it look like when it comes to

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Speaker 4: like work? Are you having to take annually or sick

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Speaker 4: leave or have you looked at that yet?

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Speaker 5: Haven't looked at that yet? I probably could take some.

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Speaker 4: Sickly, well, it's medically necessary. That is absolutely sickly. If

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Speaker 4: my friend.

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Speaker 3: Sweet yep, they can call me. I won't be out

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Speaker 3: of action for too long. I spoke to my doctor

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Speaker 3: and he said maybe two weeks, but a lot of

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Speaker 3: my job for my main dental job is sedatory, so

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Speaker 3: I'm not assisting anymore as I'm the manager, so I

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Speaker 3: don't do that side of things too much.

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Speaker 2: Yeah, that's cool. It's good to know.

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Speaker 4: And I feel like so many times when those surgeries

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Speaker 4: come up, people only look at the final cost of

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Speaker 4: the actual surgery and not like your time out of

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Speaker 4: work or the time it's going to take to you know,

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Speaker 4: get back into work. Or this one which one of

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Speaker 4: my friends had recently when she had a breast reduction,

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Speaker 4: the amount of money that she had to spend on

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Speaker 4: the hairdresser to get her hair washed because she didn't

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Speaker 4: realize that she wouldn't be able to or she wouldn't

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Speaker 4: be comfortable to lift her arms above her head to

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Speaker 4: wash her hair. So maybe that's something you could factor in,

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Speaker 4: or just get a really good friend and a kitchen

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Speaker 4: sink involved.

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Speaker 2: And I feel like you'd say the whole.

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Speaker 5: Hep the best bellie if my partner will be washing

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Speaker 5: my hair.

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Speaker 4: Yeah, turn out of ten. I love that commitment. All right,

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Speaker 4: let's go to a really quick break because after I

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Speaker 4: want to talk about investments and a little bit more

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Speaker 4: about debt, and also you cannot start a letter to

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Speaker 4: me that says due to a secret affair and then.

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Speaker 2: Not give me any more details. So we will be back.

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Speaker 4: On the flip.

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Speaker 2: Side money diarrest.

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Speaker 4: We are back, and this is not an official money

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Speaker 4: diary question. But as I said before the break, you

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Speaker 4: can't write me a letter that says, hey, v due

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Speaker 4: to a secret affair. What's the goss like, how did

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Speaker 4: that come to I guess fruition and come out? And

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Speaker 4: how did you find out about it if you were

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Speaker 4: only six?

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Speaker 3: Well, I didn't find out about it until only a

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Speaker 3: couple of years ago.

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Speaker 2: Really secret.

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Speaker 3: Yeah, everyone bounced across and ask your mom musk a

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Speaker 3: dad asked this person all that person?

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Speaker 2: Oh my gosh.

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Speaker 5: Yeah.

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Speaker 3: So I kind of woke up one morning and my

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Speaker 3: dad wasn't there. My mom came in and said, hey,

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Speaker 3: Dad's just going away, and that's all I remember.

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Speaker 5: Honestly, I was six. I don't remember too much.

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Speaker 2: I'm just like, all right, see soon, dad.

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Speaker 3: Yeah, And I still saw my dad every weekend. Still

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Speaker 3: have a really good relationship with both of them. It

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Speaker 3: was just a really strange time when I was younger.

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Speaker 3: But they tried to make sure initially that it wasn't

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Speaker 3: too complicated and too involved for me, so that was

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Speaker 3: good on their behalf. But I think it's still something

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Speaker 3: that's underlying that I probably have to work through a

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Speaker 3: little bit sometimes.

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Speaker 4: I was about to say, I'm really impressed that through that, because,

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Speaker 4: like you best believe if my partner does that to me,

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Speaker 4: straight under the bus, straight under the bus, and I'll

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Speaker 4: be driving. But I feel like that's such a mature

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Speaker 4: way to deal with it, because obviously kids aren't emotionally

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Speaker 4: mature enough to be able to comprehend something like that.

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Speaker 4: I was going to say, Oh, it's really good that

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Speaker 4: you kind of missed that younger trauma.

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Speaker 2: But it's something that I think when.

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Speaker 4: You learn something like that about parents in particular, it

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Speaker 4: does end up impacting you. So do you think this

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Speaker 4: in any way impacts your money story or how you

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Speaker 4: approach money, or even how your parents approached money while

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Speaker 4: you were growing up.

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Speaker 3: I think it had a bit of an impact on

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Speaker 3: my mom making sure she had savings or something to

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Speaker 3: back her. She was always really good with money, so

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Speaker 3: she kind of did anyways. But I think it just

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Speaker 3: reinforced that people aren't always together forever. Things happen and

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Speaker 3: you need to have something there to save you so

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Speaker 3: you're not stuck or in a situation you don't want

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Speaker 3: to be.

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Speaker 5: Yeah.

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Speaker 4: No, I totally agree with that. I always find it

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Speaker 4: so interesting because that could have been, I guess, a

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Speaker 4: pivot point of your childhood. It could have been something

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Speaker 4: that really was like the sticking point of I guess trauma.

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Speaker 4: But the way they dealt with it, I don't know.

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Speaker 4: I find that really mature of them, because, as I said,

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Speaker 4: i'd be driving the bus.

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Speaker 2: I don't know. I would hope that I had the

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Speaker 2: same maturity. I want to know.

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Speaker 4: Next, though, talk to me about investments. You said that

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Speaker 4: you were at the beginning of your journey to financial freedom.

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Speaker 4: Do you have any investments? If so, what are they,

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Speaker 4: If not, what do you want them to be?

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Speaker 3: So I just have the super and I've been making

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Speaker 3: some extra contributions to that for now, just because I'm

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Speaker 3: not too confident with the investing world yet and I'd

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Speaker 3: rather have more savings to lean back on, just in

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Speaker 3: case for an emergency fund. But I just checked before

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Speaker 3: this and I'm sitting at thirty eighty six hundred in

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Speaker 3: my super.

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Speaker 4: Oh my gosh, that is so good for your age.

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Speaker 4: You are twenty five years old and have thirty eight

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Speaker 4: k in super really? Yes, that's massive, my friend. That

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Speaker 4: is so good. Talk to me about your super fund.

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Speaker 4: Did you pick your super fund? Have you ever changed it?

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Speaker 4: What does that look like?

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Speaker 3: I was with one that my first job created for

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Speaker 3: me and my employer who I have now at the

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Speaker 3: dental practice.

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Speaker 5: We're super close. I've been here for for six years

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Speaker 5: and he's.

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Speaker 3: Kind of like my second dad. He teaches me about

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Speaker 3: those things. We have money conversations all the time. So

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Speaker 3: I kind of said to him one day, what super

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Speaker 3: are you with? And then created one in oz super

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Speaker 3: and yeah.

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Speaker 2: How good.

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Speaker 4: I love it when I can ask questions and people

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Speaker 4: are like, yeah, I put myself in a super fund

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Speaker 4: that made sense for me.

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Speaker 2: I looked at my options like it's.

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Speaker 4: Just so nice because at twenty five, No, I didn't

385
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Speaker 4: have it together absolutely not like I think.

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Speaker 2: I still had three super funds. I didn't really know

387
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Speaker 2: what they're up to.

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Speaker 4: I was wasting fees on all of them, and I

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Speaker 4: just didn't make it a priority. But future you is

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Speaker 4: going to be so much better off because you've done that,

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Speaker 4: and it just makes me so happy. All right, talk

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Speaker 4: to me about debt. You mentioned that you had recently

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Speaker 4: paid off twenty five thousand dollars worth of consumer debt.

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Speaker 4: Do you have any other debt? If so, what is it?

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Speaker 3: No debt at the moment, queen behavior, You're smirking while

396
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Speaker 3: saying that, are you super proud?

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Speaker 5: I am, because it's been a long time coming.

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Speaker 2: Yes, I love that. And what are we doing to

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Speaker 2: stay out of debt?

400
00:19:06,400 --> 00:19:11,880
Speaker 3: Well, the emergency fund is being created as we speak, love.

401
00:19:12,200 --> 00:19:15,600
Speaker 3: And I've started automating things a lot more because my

402
00:19:15,720 --> 00:19:19,400
Speaker 3: impulsivity and dopamine hits, like I said, a crack and

403
00:19:20,000 --> 00:19:23,280
Speaker 3: I struggle with that a lot. So I've had to

404
00:19:23,320 --> 00:19:25,840
Speaker 3: automate things and redo everything.

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Speaker 5: And now it's we're going good. We're going good.

406
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Speaker 4: I also it's very common knowledge that I also have ADHD,

407
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Speaker 4: and I feel like one of the biggest game changes

408
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Speaker 4: for me was actually automating my cash flow system. I

409
00:19:38,119 --> 00:19:42,240
Speaker 4: feel like because I am so impulsive, but also with ADHD,

410
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Speaker 4: it's very out of sight.

411
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Speaker 2: Out of mind.

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Speaker 4: I feel like so many times I'd get a bill

413
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Speaker 4: and then I get the late fees because I hadn't

414
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Speaker 4: paid it and I'd seen it come in, and I

415
00:19:49,680 --> 00:19:51,640
Speaker 4: go oh, I'll pay that, and then I never think

416
00:19:51,640 --> 00:19:53,960
Speaker 4: about it ever again. So I get the late fees

417
00:19:54,160 --> 00:19:56,439
Speaker 4: or I get the fees for like, you know, having

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00:19:56,760 --> 00:19:59,240
Speaker 4: a fine, like a parking fine. I remember I let

419
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Speaker 4: a parking fine get completely out of control and it

420
00:20:01,480 --> 00:20:03,479
Speaker 4: was like an eighty eight dollar fine that ended up

421
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Speaker 4: costume close to five hundred dollars because I literally just

422
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Speaker 4: kept forgetting about it.

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Speaker 2: It's not because I didn't want to, It's because I.

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Speaker 4: Kept forgetting about it, and everything when it came to

425
00:20:13,359 --> 00:20:16,920
Speaker 4: money was so overwhelming. So hearing you say, oh, I'm

426
00:20:16,920 --> 00:20:19,880
Speaker 4: automating things, I think that's so smart. It's literally why

427
00:20:20,119 --> 00:20:21,880
Speaker 4: and I'm going to gift it to you. Actually we'll

428
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Speaker 4: talk about that after, but it's why I created the

429
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Speaker 4: budget and cash flow system that I have so my

430
00:20:26,720 --> 00:20:30,119
Speaker 4: online master class, because that master class one is built

431
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Speaker 4: by me who has ADHD, but it automates everything, so

432
00:20:33,280 --> 00:20:35,680
Speaker 4: it kind of like takes control of your budget and says,

433
00:20:35,720 --> 00:20:38,560
Speaker 4: what's your budget, and then it spits out what your

434
00:20:38,640 --> 00:20:41,639
Speaker 4: actual cash flow should look like to have a clean

435
00:20:41,720 --> 00:20:44,520
Speaker 4: budget and have a clean I guess list of goals.

436
00:20:44,920 --> 00:20:47,159
Speaker 4: So for me, that was a game changer, and I

437
00:20:47,200 --> 00:20:48,800
Speaker 4: think it might be for you. So we'll talk about

438
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Speaker 4: that later.

439
00:20:49,520 --> 00:20:51,919
Speaker 5: Well, you'll be pleased to know I already did.

440
00:20:51,920 --> 00:20:53,840
Speaker 2: You already have it. I can't even gift it to you.

441
00:20:54,400 --> 00:20:56,200
Speaker 2: I I'll send you a couple of books. I look,

442
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Speaker 2: I'm glad we had this conversation. Did it work? Did

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Speaker 2: it help?

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00:21:00,119 --> 00:21:00,359
Speaker 5: Yes?

445
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Speaker 4: Did it actually or are you just saying that because

446
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Speaker 4: you're literally on my show and you can't say, oh,

447
00:21:04,280 --> 00:21:06,000
Speaker 4: VB it was pretty trash?

448
00:21:06,200 --> 00:21:07,119
Speaker 5: No, it was good.

449
00:21:07,680 --> 00:21:11,640
Speaker 3: I just changed things because I'm very particular with things,

450
00:21:11,640 --> 00:21:13,560
Speaker 3: so I changed it up a little bit, but the

451
00:21:13,680 --> 00:21:15,080
Speaker 3: basis was still the same.

452
00:21:14,920 --> 00:21:17,359
Speaker 4: Which I absolutely allow. All Right, I love hearing that.

453
00:21:17,760 --> 00:21:20,600
Speaker 4: But tell me about your emergency fund because you mentioned

454
00:21:20,640 --> 00:21:22,359
Speaker 4: before when I said how are we staying out of debt?

455
00:21:22,440 --> 00:21:24,800
Speaker 4: You said, I'm going to have an emergency fund. How

456
00:21:24,840 --> 00:21:27,720
Speaker 4: have you decided on how much you're going to put

457
00:21:27,760 --> 00:21:28,240
Speaker 4: into that?

458
00:21:28,560 --> 00:21:33,200
Speaker 3: So I didn't have a end goal amount as such.

459
00:21:33,440 --> 00:21:36,320
Speaker 3: I'm kind of just I have a director of it

460
00:21:36,440 --> 00:21:40,359
Speaker 3: that goes from my normal account to the account I

461
00:21:40,400 --> 00:21:43,560
Speaker 3: don't have access to. Every fortnight when I get paid,

462
00:21:43,560 --> 00:21:46,080
Speaker 3: it goes straight into there, and that's about five hundred

463
00:21:46,080 --> 00:21:46,960
Speaker 3: bucks a fortnight.

464
00:21:47,119 --> 00:21:50,040
Speaker 2: Oh that's gonna grow very quickly, my friend.

465
00:21:50,760 --> 00:21:51,960
Speaker 5: Yes, that's the plan.

466
00:21:52,160 --> 00:21:53,240
Speaker 2: That's very attractive.

467
00:21:53,320 --> 00:21:56,600
Speaker 3: I like this, Thank you, And then every time I

468
00:21:56,720 --> 00:22:00,240
Speaker 3: work at the bar, that paycheck goes straight into the

469
00:22:00,280 --> 00:22:02,440
Speaker 3: emergency fund as well, so I don't see it because

470
00:22:02,440 --> 00:22:03,760
Speaker 3: if I see it, I spend it.

471
00:22:04,000 --> 00:22:04,520
Speaker 2: I love this.

472
00:22:04,640 --> 00:22:07,640
Speaker 4: You're just like taking control by completely taking it away

473
00:22:07,640 --> 00:22:08,400
Speaker 4: from yourself.

474
00:22:09,440 --> 00:22:11,720
Speaker 2: Yeah, genius, genius. I love that.

475
00:22:11,920 --> 00:22:13,920
Speaker 4: At what point, and I mean, you said you hadn't

476
00:22:13,960 --> 00:22:17,120
Speaker 4: really thought about it, but I guess what would be

477
00:22:17,280 --> 00:22:19,960
Speaker 4: a number that, off the top of your head makes

478
00:22:19,960 --> 00:22:22,960
Speaker 4: you feel comfortable. Is it one thousand dollars? Is it

479
00:22:23,040 --> 00:22:25,920
Speaker 4: five thousand dollars? Is it ten thousand dollars? That you go, Oh,

480
00:22:25,960 --> 00:22:27,080
Speaker 4: that would be nice.

481
00:22:27,160 --> 00:22:29,640
Speaker 3: I'm kind of aiming for five grand at this stage,

482
00:22:30,119 --> 00:22:32,840
Speaker 3: keeping in mind I do have some holidays coming up,

483
00:22:33,040 --> 00:22:35,280
Speaker 3: and I do have some things that I need to

484
00:22:35,280 --> 00:22:38,639
Speaker 3: pay for, but five grand for me at the moment

485
00:22:38,720 --> 00:22:40,680
Speaker 3: would be kind of nice.

486
00:22:40,760 --> 00:22:42,639
Speaker 4: I'm excited that you get to go on this August

487
00:22:42,640 --> 00:22:45,520
Speaker 4: holiday because I feel like when you explained why you

488
00:22:45,520 --> 00:22:49,280
Speaker 4: were going, your face lit up. Is country music something

489
00:22:49,320 --> 00:22:52,000
Speaker 4: that you're really passionate about? If so, tell me a

490
00:22:52,000 --> 00:22:54,040
Speaker 4: little bit more about this holiday and how much it's

491
00:22:54,080 --> 00:22:54,719
Speaker 4: going to cost you.

492
00:22:54,960 --> 00:22:58,560
Speaker 3: I'm a country gal, so I love country music. We're

493
00:22:58,600 --> 00:23:01,240
Speaker 3: going to see Luke Holmes, who is going to Adelaide.

494
00:23:01,920 --> 00:23:06,040
Speaker 3: Somehow I managed to get tickets. I was on the

495
00:23:06,080 --> 00:23:08,840
Speaker 3: ticket website four hours before the tickets actually came out,

496
00:23:08,920 --> 00:23:11,480
Speaker 3: so I made sure I got tickets. We've kind of

497
00:23:11,480 --> 00:23:13,320
Speaker 3: got a bit of a rough budget that my partner

498
00:23:13,400 --> 00:23:16,560
Speaker 3: and I have worked out for the holiday. We like

499
00:23:16,640 --> 00:23:18,720
Speaker 3: to pay for things as they come up, so that

500
00:23:19,680 --> 00:23:20,600
Speaker 3: most of it's page.

501
00:23:20,720 --> 00:23:23,240
Speaker 2: Is he the guy that sings the fast Castle.

502
00:23:23,119 --> 00:23:23,800
Speaker 5: He covers it?

503
00:23:23,880 --> 00:23:26,560
Speaker 4: Yeah, but he sung that, right. I feel like that's

504
00:23:26,640 --> 00:23:28,600
Speaker 4: come up on my Spotify and he's really good.

505
00:23:28,880 --> 00:23:31,679
Speaker 3: Yes, it would have, because it's just gone crazy, a

506
00:23:31,680 --> 00:23:33,600
Speaker 3: little too crazy for my lacking if I want to.

507
00:23:33,760 --> 00:23:35,639
Speaker 4: But is that why you had to like wait on

508
00:23:35,680 --> 00:23:37,840
Speaker 4: the website because other people who have now gotten in

509
00:23:37,880 --> 00:23:41,200
Speaker 4: on what you already discovered. Yes, That's how I felt

510
00:23:41,200 --> 00:23:43,879
Speaker 4: about Taylor Swift, And now I'm validated by the amount

511
00:23:43,880 --> 00:23:45,600
Speaker 4: of fans she has because I'm like, yeah, well I

512
00:23:46,080 --> 00:23:47,760
Speaker 4: knew about her when I was young, and you said

513
00:23:47,760 --> 00:23:48,240
Speaker 4: I was lame.

514
00:23:48,320 --> 00:23:48,920
Speaker 5: Yeah, exactly.

515
00:23:49,720 --> 00:23:52,960
Speaker 2: I love that. I love that so much. But you

516
00:23:53,080 --> 00:23:56,000
Speaker 2: also mentioned that next year you're going to a wedding,

517
00:23:56,280 --> 00:24:00,400
Speaker 2: and that's something that you're budgeting for, and like, that's

518
00:24:00,400 --> 00:24:03,160
Speaker 2: a really topical conversation, right, So I'm assuming you're going

519
00:24:03,200 --> 00:24:06,040
Speaker 2: to a destination wedding. Can you tell me without going

520
00:24:06,080 --> 00:24:08,280
Speaker 2: too much, I guess into it because we don't want

521
00:24:08,280 --> 00:24:09,280
Speaker 2: to throw anyone under a bus.

522
00:24:09,280 --> 00:24:12,000
Speaker 4: But where is that and how much do you think

523
00:24:12,080 --> 00:24:13,399
Speaker 4: that's going to cost you?

524
00:24:13,960 --> 00:24:18,920
Speaker 3: So it's in Victoria, and usually my partner and I

525
00:24:19,000 --> 00:24:19,919
Speaker 3: we wouldn't.

526
00:24:19,560 --> 00:24:23,359
Speaker 5: Really travel for people's weddings. And that sounds horrible, but

527
00:24:23,640 --> 00:24:25,520
Speaker 5: it's a lot. It's a lot of money.

528
00:24:25,800 --> 00:24:28,520
Speaker 3: But it is one of his really close friends, and

529
00:24:28,800 --> 00:24:30,720
Speaker 3: I would never imagine saying no.

530
00:24:31,160 --> 00:24:33,960
Speaker 5: Yeah, absolutely, So we've made a decision to go.

531
00:24:34,480 --> 00:24:37,119
Speaker 3: Whether that be for just the wedding or we have

532
00:24:37,200 --> 00:24:39,480
Speaker 3: a couple of days down there with them, I'm not

533
00:24:39,560 --> 00:24:42,119
Speaker 3: too sure. But we just paid for the accommodation for

534
00:24:42,160 --> 00:24:45,160
Speaker 3: three nights, which is six hundred bucks, which isn't too bad.

535
00:24:45,280 --> 00:24:46,520
Speaker 2: My gosh, that's so much.

536
00:24:46,720 --> 00:24:48,960
Speaker 4: It's still a lot of money to go to somebody

537
00:24:48,960 --> 00:24:51,879
Speaker 4: else's wedding, and like, I adore it, and as someone

538
00:24:51,880 --> 00:24:54,280
Speaker 4: who has been a bride, and I have had people

539
00:24:54,359 --> 00:24:57,320
Speaker 4: travel for me to come to my wedding. I was

540
00:24:57,400 --> 00:25:01,320
Speaker 4: so overwhelmingly grateful, but I wouldn't want anyone to think

541
00:25:01,359 --> 00:25:04,239
Speaker 4: that I didn't think of the financial implications of that.

542
00:25:04,440 --> 00:25:06,760
Speaker 4: And like the idea that it now has to become

543
00:25:07,000 --> 00:25:09,840
Speaker 4: one of your money goals to me goes, Oh, is

544
00:25:09,880 --> 00:25:12,639
Speaker 4: there something weird about these? Like is there something that

545
00:25:12,680 --> 00:25:15,640
Speaker 4: maybe means you're putting off your life goals and your

546
00:25:15,680 --> 00:25:20,480
Speaker 4: emergency fund and you creating financial freedom to celebrate somebody else,

547
00:25:20,520 --> 00:25:22,720
Speaker 4: And like, obviously it's so aligned to your values, and

548
00:25:22,760 --> 00:25:25,320
Speaker 4: that's fine. I just always like to have these conversations

549
00:25:25,520 --> 00:25:28,720
Speaker 4: that arguably make people uncomfortable, but sometimes we have to

550
00:25:28,760 --> 00:25:32,360
Speaker 4: be uncomfortable to ultimately put ourselves first. But I love

551
00:25:32,400 --> 00:25:33,879
Speaker 4: that you were like, oh, we usually don't do this,

552
00:25:33,960 --> 00:25:35,480
Speaker 4: but this one's really important to us.

553
00:25:35,600 --> 00:25:37,199
Speaker 2: So that makes me very happy.

554
00:25:37,440 --> 00:25:40,560
Speaker 3: It was a big decision to do it, and I've

555
00:25:40,680 --> 00:25:45,320
Speaker 3: always previously been in the mentality of oh, I just

556
00:25:45,320 --> 00:25:48,199
Speaker 3: can't afford it, And that's always been my what I

557
00:25:48,240 --> 00:25:49,720
Speaker 3: say when people say, do you want to do something?

558
00:25:49,720 --> 00:25:50,600
Speaker 5: I just can't afford it.

559
00:25:50,720 --> 00:25:54,360
Speaker 3: But with this new mentality I've got around money and

560
00:25:54,760 --> 00:25:59,040
Speaker 3: with my understanding of my diagnosis and automating things making

561
00:25:59,040 --> 00:26:01,400
Speaker 3: things all easier on myself. If I'm starting to realize

562
00:26:01,400 --> 00:26:04,439
Speaker 3: that if I have a goal and I put my

563
00:26:04,480 --> 00:26:07,520
Speaker 3: mind to it and I have a plan, it will happen.

564
00:26:07,680 --> 00:26:10,600
Speaker 3: And this is just one of those things that we

565
00:26:10,760 --> 00:26:13,080
Speaker 3: really want to do because he is one of my

566
00:26:13,119 --> 00:26:16,399
Speaker 3: partner's best mates. So it's kind of not an option

567
00:26:16,480 --> 00:26:18,359
Speaker 3: for us. It was a high value thing for us.

568
00:26:18,359 --> 00:26:21,040
Speaker 4: Oh my gosh, I am obsessed with this mentality change

569
00:26:21,080 --> 00:26:24,679
Speaker 4: that you're making, and it just makes me so happy

570
00:26:24,840 --> 00:26:28,159
Speaker 4: to know that I guess reframing that and we know

571
00:26:28,440 --> 00:26:31,120
Speaker 4: or I know that reframing is such a powerful technique

572
00:26:31,240 --> 00:26:33,399
Speaker 4: that you can implement literally at any stage.

573
00:26:33,440 --> 00:26:34,000
Speaker 2: It is free.

574
00:26:34,440 --> 00:26:37,040
Speaker 4: But this idea of going from I can't afford it

575
00:26:37,119 --> 00:26:39,439
Speaker 4: to it's actually not in line with my values or

576
00:26:39,480 --> 00:26:40,879
Speaker 4: it's not in line with the goals I'm.

577
00:26:40,760 --> 00:26:41,960
Speaker 2: Working towards right now.

578
00:26:42,040 --> 00:26:45,720
Speaker 4: Because regardless of your income, regardless of you know what

579
00:26:45,800 --> 00:26:48,800
Speaker 4: your values are or what costs you have at the moment,

580
00:26:49,320 --> 00:26:52,880
Speaker 4: this idea that you can't afford, it actually stems back

581
00:26:52,920 --> 00:26:55,080
Speaker 4: to it is not a priority for me.

582
00:26:55,280 --> 00:26:58,800
Speaker 2: And I think that that's much more empowering than telling.

583
00:26:58,520 --> 00:27:01,480
Speaker 4: Yourself and giving yourself this dialogue of like, oh, they

584
00:27:01,560 --> 00:27:04,439
Speaker 4: I can't afford it. It's like, well, actually, regardless of

585
00:27:04,440 --> 00:27:06,960
Speaker 4: your income, a lot of people would choose to do that,

586
00:27:07,240 --> 00:27:10,240
Speaker 4: and that's okay, and they can quote afford it because

587
00:27:10,320 --> 00:27:12,560
Speaker 4: they have the money in it, going into debt for it.

588
00:27:12,840 --> 00:27:15,160
Speaker 4: But when I say I can't afford it, I go,

589
00:27:15,320 --> 00:27:17,199
Speaker 4: I can't afford it at the cost of all the

590
00:27:17,240 --> 00:27:19,960
Speaker 4: other goals and the values that I hold. I can't

591
00:27:20,040 --> 00:27:22,960
Speaker 4: afford it at the cost of, you know, putting to

592
00:27:23,040 --> 00:27:26,199
Speaker 4: the side something else that's incredibly important to me. And

593
00:27:26,240 --> 00:27:28,600
Speaker 4: I think that that just puts you in so much

594
00:27:28,640 --> 00:27:32,640
Speaker 4: more control. And obviously you've only recently changed this mindset

595
00:27:32,640 --> 00:27:35,159
Speaker 4: which I'm so excited to be on. I guess the

596
00:27:35,240 --> 00:27:38,320
Speaker 4: journey with you of but how have you seen that

597
00:27:38,440 --> 00:27:41,320
Speaker 4: making you feel just this shift of going, oh, I'm

598
00:27:41,320 --> 00:27:42,320
Speaker 4: not going to say that anymore.

599
00:27:42,320 --> 00:27:44,359
Speaker 2: I'm going to say this, what does that look like?

600
00:27:44,880 --> 00:27:49,000
Speaker 3: It feels really good to know that I can contribute

601
00:27:49,000 --> 00:27:51,639
Speaker 3: to things. For example, my partner and I have been

602
00:27:51,680 --> 00:27:54,560
Speaker 3: together five years now, and a lot of the time

603
00:27:54,720 --> 00:27:58,639
Speaker 3: it was just we wouldn't plan things because I couldn't

604
00:27:58,680 --> 00:28:01,879
Speaker 3: afford it, and it is really heartbreaking because we're a

605
00:28:01,920 --> 00:28:04,280
Speaker 3: really big camping fishing couple.

606
00:28:04,840 --> 00:28:07,640
Speaker 5: We love it. It's our lifestyle, it's who we are.

607
00:28:07,880 --> 00:28:10,080
Speaker 3: So for me to have to say no a lot

608
00:28:10,119 --> 00:28:12,919
Speaker 3: of the time, even though I really wanted to, was

609
00:28:13,000 --> 00:28:15,879
Speaker 3: so hard and it started to affect our relationship a

610
00:28:15,920 --> 00:28:20,960
Speaker 3: little bit because I wanted to say yes, but I

611
00:28:21,040 --> 00:28:23,440
Speaker 3: knew that if I said yes, he would be paying

612
00:28:23,480 --> 00:28:25,880
Speaker 3: for all of it, and to me, that's not right.

613
00:28:25,960 --> 00:28:30,520
Speaker 5: I need to pay half. So it's really uplifting now

614
00:28:30,600 --> 00:28:33,000
Speaker 5: that I can put towards things.

615
00:28:33,080 --> 00:28:35,840
Speaker 3: And if we need to pay for the wedding accommodation,

616
00:28:36,040 --> 00:28:37,639
Speaker 3: we did it the other day. We didn't have to

617
00:28:37,720 --> 00:28:40,600
Speaker 3: use a payment plan or it wasn't like a, oh

618
00:28:40,680 --> 00:28:42,080
Speaker 3: you know what, we just can't afford it.

619
00:28:42,120 --> 00:28:45,240
Speaker 5: So yeah, it's uplifting. I really I'm enjoying it.

620
00:28:45,280 --> 00:28:47,440
Speaker 4: I love it so much, like it genuinely makes me

621
00:28:47,560 --> 00:28:50,400
Speaker 4: so happy. And I think my favorite part about this

622
00:28:50,560 --> 00:28:51,960
Speaker 4: is like you can walk the walk. You're like, you

623
00:28:51,960 --> 00:28:54,520
Speaker 4: could tell me, yeah, I'm so empowered by this. But

624
00:28:55,160 --> 00:28:57,959
Speaker 4: I get the privilege that nobody else listening to this

625
00:28:58,000 --> 00:29:00,000
Speaker 4: podcast gets, and that's I can see you right now

626
00:29:00,120 --> 00:29:02,440
Speaker 4: and you are like beaming when you're telling me this,

627
00:29:02,560 --> 00:29:04,120
Speaker 4: like You've got this smile on your face, like I'm

628
00:29:04,160 --> 00:29:06,760
Speaker 4: so far out of myself and I'm genuinely, I guess

629
00:29:06,840 --> 00:29:10,000
Speaker 4: gratified by this, and it honestly makes my day. Like

630
00:29:10,040 --> 00:29:12,600
Speaker 4: this is why money diaries are my favorite, Like learning

631
00:29:12,640 --> 00:29:15,600
Speaker 4: about people, learning about their journeys and knowing that they're

632
00:29:15,600 --> 00:29:17,400
Speaker 4: putting themselves in the best possible position.

633
00:29:18,000 --> 00:29:22,000
Speaker 2: It's so lame, but like it's my favorite. All Right, we.

634
00:29:21,880 --> 00:29:24,240
Speaker 4: Are coming to the end of the show. I'm so sorry,

635
00:29:24,520 --> 00:29:26,920
Speaker 4: but we've got a few questions before we go. I

636
00:29:26,920 --> 00:29:29,320
Speaker 4: want to know what do you think your best money

637
00:29:29,320 --> 00:29:29,920
Speaker 4: habit is?

638
00:29:30,440 --> 00:29:35,400
Speaker 3: Best money habit starting to automate things now and I

639
00:29:35,480 --> 00:29:38,840
Speaker 3: always compare pricing. I never take the first price. If

640
00:29:38,840 --> 00:29:41,120
Speaker 3: we're going to a hardware store and I need to

641
00:29:41,160 --> 00:29:44,200
Speaker 3: buy something, I will be asking for a discount, or

642
00:29:44,240 --> 00:29:48,320
Speaker 3: I'll be asking for something or I always look out

643
00:29:48,360 --> 00:29:48,840
Speaker 3: for deals.

644
00:29:49,120 --> 00:29:50,040
Speaker 5: Love yep.

645
00:29:50,200 --> 00:29:52,680
Speaker 4: And then slip that on its head, my friend, what

646
00:29:52,840 --> 00:29:57,400
Speaker 4: is your worst money habit? And you can't say adhd.

647
00:29:58,240 --> 00:29:58,640
Speaker 5: Okay.

648
00:29:58,800 --> 00:30:02,000
Speaker 3: I will go around it and say being obsessed with

649
00:30:02,040 --> 00:30:06,440
Speaker 3: something to the point where I'll buy everything for that

650
00:30:06,520 --> 00:30:10,440
Speaker 3: hobby or that accessions and then never using it because

651
00:30:10,720 --> 00:30:13,600
Speaker 3: it's overwhelming. And I did it with a sewing machine.

652
00:30:13,640 --> 00:30:15,400
Speaker 3: I've done it with so many things in my life,

653
00:30:15,440 --> 00:30:18,080
Speaker 3: and it's taken a lot of money from me, this

654
00:30:18,600 --> 00:30:22,800
Speaker 3: habit that I have. But I'm working on understanding that

655
00:30:22,840 --> 00:30:25,680
Speaker 3: impulsivity letting it sit for twenty four hours and then

656
00:30:25,720 --> 00:30:27,800
Speaker 3: going back, even if I put it all in my cart,

657
00:30:28,000 --> 00:30:31,800
Speaker 3: see it there and then the next day forget about it.

658
00:30:31,800 --> 00:30:34,440
Speaker 5: It just yeah, that's my worst money habit.

659
00:30:34,560 --> 00:30:36,880
Speaker 4: I had to stop myself the other day, so I

660
00:30:36,920 --> 00:30:40,080
Speaker 4: went down a rabbit hole. And anyone who has ADHD

661
00:30:40,200 --> 00:30:43,160
Speaker 4: knows this happens after the hour of eight pm. You'll

662
00:30:43,200 --> 00:30:45,560
Speaker 4: be sitting on the couch like, yeah, it's like after

663
00:30:45,600 --> 00:30:47,080
Speaker 4: eight pm. Like you're not going to do it during

664
00:30:47,160 --> 00:30:49,400
Speaker 4: the day. You're busy during the day thinking about other things.

665
00:30:49,760 --> 00:30:51,920
Speaker 4: But I got in my head after seeing like two

666
00:30:51,960 --> 00:30:54,720
Speaker 4: tiktoks of someone using what's called a cricket, which is

667
00:30:54,840 --> 00:30:58,240
Speaker 4: essentially this like laser cut of printer that can cut

668
00:30:58,240 --> 00:31:00,760
Speaker 4: out stickers and like lots of different things, right, I

669
00:31:00,840 --> 00:31:01,920
Speaker 4: decided I needed one.

670
00:31:02,040 --> 00:31:04,120
Speaker 2: I was like, I am here for this. We're going

671
00:31:04,120 --> 00:31:04,840
Speaker 2: to need the cricket.

672
00:31:04,880 --> 00:31:07,280
Speaker 4: We're going to need all the accessories, Like if you've

673
00:31:07,320 --> 00:31:09,840
Speaker 4: got ADHD, you don't just do entry level like that

674
00:31:09,840 --> 00:31:13,040
Speaker 4: would be stupid. I'm so committed to this new hobby

675
00:31:13,040 --> 00:31:15,800
Speaker 4: that I've never tried that we're not going entry level,

676
00:31:15,880 --> 00:31:18,840
Speaker 4: like we need the mid level like machine. We also

677
00:31:18,880 --> 00:31:21,240
Speaker 4: need all of the accessories because like the accessories look

678
00:31:21,280 --> 00:31:23,560
Speaker 4: really good. I need all of the different papers because

679
00:31:23,600 --> 00:31:25,280
Speaker 4: like what if pink isn't enough?

680
00:31:25,440 --> 00:31:25,640
Speaker 2: Right?

681
00:31:25,960 --> 00:31:27,480
Speaker 4: So I put them all in my cart and it

682
00:31:27,520 --> 00:31:30,080
Speaker 4: was like a thousand dollars worth of stuff and I

683
00:31:30,120 --> 00:31:30,960
Speaker 4: had to stop myself.

684
00:31:31,000 --> 00:31:33,240
Speaker 2: I was like, what am I doing? Like this is

685
00:31:33,440 --> 00:31:35,560
Speaker 2: not okay. I didn't do it.

686
00:31:35,640 --> 00:31:38,320
Speaker 4: I told myself I'll put twenty four hours between me

687
00:31:38,400 --> 00:31:41,040
Speaker 4: and my spending and I didn't do it.

688
00:31:41,080 --> 00:31:42,520
Speaker 2: And I'm so impressed.

689
00:31:42,560 --> 00:31:44,400
Speaker 4: But when you said that, I was like, I swear

690
00:31:44,400 --> 00:31:47,160
Speaker 4: I have a new hobby every single week. My husband

691
00:31:47,400 --> 00:31:49,480
Speaker 4: actually sometimes I'll come home with something.

692
00:31:49,320 --> 00:31:50,960
Speaker 2: And he'll be like, oh, is that this week's hobby?

693
00:31:51,040 --> 00:31:51,239
Speaker 3: Is it?

694
00:31:51,280 --> 00:31:54,480
Speaker 4: And I'm like, I feel personally victimized when he does that.

695
00:31:55,240 --> 00:31:56,040
Speaker 4: Why can't I be.

696
00:31:56,040 --> 00:31:59,680
Speaker 2: More like him and consistently enjoy my lawn, Like it's

697
00:31:59,680 --> 00:32:00,520
Speaker 2: just going to have that?

698
00:32:00,640 --> 00:32:01,600
Speaker 5: How it's not.

699
00:32:01,560 --> 00:32:05,320
Speaker 3: How its eight o'clock is the worst time, right just

700
00:32:05,440 --> 00:32:08,400
Speaker 3: after div Yeah, just after dinner, sitting on the couch

701
00:32:08,800 --> 00:32:11,280
Speaker 3: watching something on TV, and then you start scrolling, yeah,

702
00:32:11,280 --> 00:32:13,560
Speaker 3: because you can't just watch TV, Like, We've got to

703
00:32:13,600 --> 00:32:15,719
Speaker 3: do all the things all at once, and we're flicking

704
00:32:15,720 --> 00:32:19,880
Speaker 3: between TikTok and the internet like Explorer to like look

705
00:32:19,960 --> 00:32:20,960
Speaker 3: up these things like that.

706
00:32:21,120 --> 00:32:24,280
Speaker 4: We're we're not just on one thing. And then, oh

707
00:32:24,320 --> 00:32:26,760
Speaker 4: my gosh, I've got this great idea. Are you ready

708
00:32:26,760 --> 00:32:30,120
Speaker 4: to hear it? It's an ADHD library. You get in

709
00:32:30,160 --> 00:32:33,280
Speaker 4: with an ADHD diagnosis, Like that's what you use your

710
00:32:33,400 --> 00:32:36,440
Speaker 4: like your library card for, but instead of books, it

711
00:32:36,520 --> 00:32:38,920
Speaker 4: has hobby buckets and you can go in and in

712
00:32:38,960 --> 00:32:41,640
Speaker 4: one bucket's like the sewing hobby, and in another it's

713
00:32:41,640 --> 00:32:43,560
Speaker 4: like the cricket hobby. And then the next week I

714
00:32:43,560 --> 00:32:46,160
Speaker 4: can return it and get a different hobby, like and we.

715
00:32:46,160 --> 00:32:47,000
Speaker 2: All just swap.

716
00:32:47,080 --> 00:32:49,120
Speaker 5: I'm down, Yes, I'm so down for that.

717
00:32:49,240 --> 00:32:50,720
Speaker 4: See I feel like that would be good. You want

718
00:32:50,720 --> 00:32:53,160
Speaker 4: to do embroidery this week, No worries. Take home all

719
00:32:53,200 --> 00:32:55,480
Speaker 4: of this stuff. Your house is not going to be

720
00:32:55,560 --> 00:32:57,680
Speaker 4: messy anymore because it's full of all your hobbies. And

721
00:32:57,720 --> 00:33:01,800
Speaker 4: your crafts and things that you take up. It's definitely returnable.

722
00:33:02,160 --> 00:33:06,160
Speaker 4: How good's that you hand it over to another adha.

723
00:33:05,520 --> 00:33:07,080
Speaker 5: Bucket because you don't start it.

724
00:33:07,680 --> 00:33:09,800
Speaker 4: Yeah, yeah, exactly, and then you return it next week.

725
00:33:09,960 --> 00:33:12,000
Speaker 4: We will have late fees though, because we'll make an

726
00:33:12,040 --> 00:33:15,520
Speaker 4: absolute killing because every adhd Galie won't return it on

727
00:33:15,600 --> 00:33:17,240
Speaker 4: time and we'll just make a whole heap of money

728
00:33:17,240 --> 00:33:17,840
Speaker 4: on late face.

729
00:33:18,360 --> 00:33:20,480
Speaker 2: It's a really good idea. I think it's like a

730
00:33:20,560 --> 00:33:22,040
Speaker 2: toy library. But for adults.

731
00:33:23,920 --> 00:33:26,560
Speaker 4: I think we're done here because I've absolutely lost the plot.

732
00:33:26,880 --> 00:33:29,880
Speaker 4: But at the very start, you said six weeks ago

733
00:33:30,160 --> 00:33:33,120
Speaker 4: you rated yourself as a D and now you're a

734
00:33:33,160 --> 00:33:36,480
Speaker 4: B minus. I feel like you're way better than a

735
00:33:36,480 --> 00:33:39,400
Speaker 4: B minus. But I want to know from your perspective

736
00:33:39,920 --> 00:33:42,200
Speaker 4: after all of this, it sounds like you are absolutely

737
00:33:42,320 --> 00:33:44,040
Speaker 4: killing it. Like I mean, you did say I've got

738
00:33:44,040 --> 00:33:46,880
Speaker 4: that white picket fans stream home. We didn't talk a

739
00:33:46,880 --> 00:33:49,920
Speaker 4: lot about that, but we talked about your money goals

740
00:33:50,000 --> 00:33:51,520
Speaker 4: and what you're trying to achieve, and the fact that

741
00:33:51,560 --> 00:33:53,120
Speaker 4: you care a lot about your super and you have

742
00:33:53,160 --> 00:33:55,600
Speaker 4: a second job and you've automated your savings on your

743
00:33:55,640 --> 00:33:58,280
Speaker 4: cash flow and you're working towards an emergency fund, I

744
00:33:58,280 --> 00:34:01,600
Speaker 4: would say, relatively aggressively, what do you think it would

745
00:34:01,680 --> 00:34:05,080
Speaker 4: take to get you to an A from a B minus?

746
00:34:05,640 --> 00:34:11,319
Speaker 3: I still need to rain in those impulsive purchases and

747
00:34:11,640 --> 00:34:16,600
Speaker 3: understand that you don't need that top ten times because

748
00:34:16,719 --> 00:34:19,800
Speaker 3: next week it won't be the top of your dreams.

749
00:34:19,880 --> 00:34:21,000
Speaker 4: What do you mean, I don't need to buy it

750
00:34:21,000 --> 00:34:22,879
Speaker 4: in every single color, but I have it in white,

751
00:34:22,880 --> 00:34:25,279
Speaker 4: and I really like the white. But it comes in

752
00:34:25,320 --> 00:34:27,760
Speaker 4: black and navy and space. Do you think I should

753
00:34:27,800 --> 00:34:28,759
Speaker 4: not get those now?

754
00:34:28,920 --> 00:34:31,600
Speaker 5: No? And you need to learn, and we need to

755
00:34:31,680 --> 00:34:32,319
Speaker 5: learn and.

756
00:34:32,280 --> 00:34:38,680
Speaker 3: Stick together to not be so impulsive and to be

757
00:34:38,719 --> 00:34:40,160
Speaker 3: a little more realistic.

758
00:34:40,400 --> 00:34:43,600
Speaker 5: I think I also with that impulsivity.

759
00:34:44,239 --> 00:34:47,239
Speaker 3: If there's something wrong with me, or for example, I'm

760
00:34:47,239 --> 00:34:50,440
Speaker 3: seeing a dermatologist right now because of my skin I've

761
00:34:50,440 --> 00:34:51,320
Speaker 3: always had acne.

762
00:34:51,920 --> 00:34:54,960
Speaker 5: I don't just halfheartedly.

763
00:34:54,560 --> 00:34:57,399
Speaker 3: Go into that. I go into that. I buy every

764
00:34:57,440 --> 00:35:00,600
Speaker 3: product that I need. I go crazy it I'm doing.

765
00:35:00,640 --> 00:35:03,399
Speaker 3: I'm going back and forth between if I can rain

766
00:35:03,480 --> 00:35:08,359
Speaker 3: in those impulsivity habits and stage the appointments out rather

767
00:35:08,400 --> 00:35:11,440
Speaker 3: than just being all focused in on once and spending

768
00:35:11,680 --> 00:35:12,680
Speaker 3: a lot of money on it.

769
00:35:12,880 --> 00:35:16,760
Speaker 5: I think I can potentially get.

770
00:35:16,520 --> 00:35:20,680
Speaker 3: My grade higher, but I just I know in myself,

771
00:35:20,760 --> 00:35:22,920
Speaker 3: I still think I will be a bee for a

772
00:35:22,920 --> 00:35:25,680
Speaker 3: little while longer until I can get those under control.

773
00:35:25,800 --> 00:35:28,280
Speaker 4: But it sounds like you are absolutely on the path

774
00:35:28,480 --> 00:35:30,960
Speaker 4: towards an A plus, like you are taking all the

775
00:35:31,040 --> 00:35:31,760
Speaker 4: right steps.

776
00:35:32,080 --> 00:35:33,719
Speaker 2: And I think, after hearing you.

777
00:35:33,640 --> 00:35:37,200
Speaker 4: Speak, I guess the tagline of ADHD should be go

778
00:35:37,280 --> 00:35:40,399
Speaker 4: hard or just go home, because like we're only doing

779
00:35:40,440 --> 00:35:42,400
Speaker 4: one of those two things. There is no middle ground,

780
00:35:42,719 --> 00:35:46,600
Speaker 4: no middle ground, absolutely not anyway, it has been so

781
00:35:46,800 --> 00:35:48,600
Speaker 4: good talking to you. I feel like you and I

782
00:35:48,640 --> 00:35:51,719
Speaker 4: are genuinely two peas in a pod. Thank you so

783
00:35:51,880 --> 00:35:54,480
Speaker 4: much for sharing your money diary and your story and

784
00:35:54,520 --> 00:35:57,120
Speaker 4: your journey with us. I feel like it's so inspirational

785
00:35:57,160 --> 00:35:59,839
Speaker 4: to talk to someone who's just gotten out of debt,

786
00:36:00,120 --> 00:36:03,520
Speaker 4: has just made a mindset shift to putting themselves in

787
00:36:03,560 --> 00:36:06,400
Speaker 4: the best possible position. It's inspiring, but it's also just

788
00:36:07,000 --> 00:36:11,120
Speaker 4: so beautiful to see how people are changing and putting

789
00:36:11,120 --> 00:36:13,040
Speaker 4: themselves in the best possible position. And it makes me

790
00:36:13,120 --> 00:36:15,720
Speaker 4: so proud but so excited for you. So I cannot

791
00:36:15,719 --> 00:36:18,280
Speaker 4: wait for an update from you in the future.

792
00:36:18,440 --> 00:36:19,720
Speaker 5: Okay, yeah, I promise.

793
00:36:20,320 --> 00:36:22,960
Speaker 2: I'm so excited. Thank you so much for joining us.

794
00:36:29,480 --> 00:36:32,000
Speaker 4: The advice shared on She's on the Money is general

795
00:36:32,080 --> 00:36:35,920
Speaker 4: in nature and does not consider your individual circumstances. She's

796
00:36:35,960 --> 00:36:39,440
Speaker 4: on the Money exists purely for educational purposes and should

797
00:36:39,440 --> 00:36:42,640
Speaker 4: not be relied upon to make an investment or financial decision.

798
00:36:43,000 --> 00:36:45,480
Speaker 4: If you do choose to buy a financial product, read

799
00:36:45,480 --> 00:36:49,640
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

800
00:36:49,640 --> 00:36:52,960
Speaker 4: your needs. Victoria Divine and She's on the Money are

801
00:36:53,000 --> 00:36:58,000
Speaker 4: authorized representatives of money Shoper Pty Ltd ABN three two

802
00:36:58,040 --> 00:37:01,040
Speaker 4: one is six four nine two seven seven zero eight

803
00:37:01,320 --> 00:37:06,000
Speaker 4: a f s L four five one two eight nine