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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome to a shop

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Speaker 3: back money Diary Monday. We love these. We have a

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Speaker 3: chat with one of our diarists and Victoria, I feel

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Speaker 3: like this is one of your favorite episodes to record.

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Speaker 4: It is always my favorite episode to record. One I

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Speaker 4: get to hang out with people from our community. Do

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Speaker 4: I get to learn about money diaries? And three? Like?

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Speaker 4: Is it not the best? Getting to know the pervy

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Speaker 4: details of people's lives and being like, Hey, what do

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Speaker 4: you earn?

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Speaker 1: What do you spent?

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Speaker 4: How old is your partner? What do they do? How

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Speaker 4: does this it's the best? It's honestly my favorite.

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Speaker 3: Well, I think you're really going to like this week's

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Speaker 3: one because it's a super interesting topic. She went through

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Speaker 3: a really tough situation a few years ago and she

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Speaker 3: had her identity stolen.

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Speaker 1: Oh all right.

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Speaker 4: Well, Jess, can you read out this week's money diarist

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Speaker 4: email for me and we'll jump right in.

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Speaker 3: I sure can, she said. After a scary brush with

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Speaker 3: identity theft and fraud, I found She's on the Money.

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Speaker 3: In twenty twenty one, and I'm working towards creating a

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Speaker 3: solid emergency fund and growing my small investment portfolio while

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Speaker 3: starting a career in the ever uncertain health industry.

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Speaker 4: How terrifying? Identity theft is literally my biggest nightmare. As always,

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Speaker 4: we have our Money Diarist on the line. Hello Money Darist,

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Speaker 4: and thank you for joining us.

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Speaker 1: Thanks for having me.

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Speaker 4: Oh my gosh, I'm literally so excited about this identity theft?

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Speaker 4: Is that not terrifying? Were you terrified?

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Speaker 1: That was pretty pretty rough? Actually, the first couple of

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Speaker 1: days after I'd found out was a bit of a whirlwind,

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Speaker 1: But no, it was yeah, oh true.

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Speaker 4: I've will to ask you about it now, even though

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Speaker 4: I really really want you through because as always, you

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Speaker 4: know that we have to get through our structured questions

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Speaker 4: and then we could have a really good chat at

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Speaker 4: the end. So to dive head first straight in Money Diarist,

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Speaker 4: what is your attitude towards money?

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Speaker 1: I have had a pretty good attitude towards money, I

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Speaker 1: would say, apart from obviously the scary side of it,

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Speaker 1: which we'll get into later. But growing up, Mum and

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Speaker 1: Dad were really savvy. We never went without anything. It

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Speaker 1: was always, you know, if we wanted to do an

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Speaker 1: extracurricular activity that was fine, holidays on the school holidays,

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Speaker 1: all that kind of thing. I even remember sitting in

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Speaker 1: their financial advisor's office when I was really young and just,

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Speaker 1: oh my god. Yes, we used to go and see them.

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Speaker 1: So they've had quite a big experience with investing and

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Speaker 1: they taught me a bit about that when I was older,

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Speaker 1: which was really good. So yeah, I guess growing up

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Speaker 1: it was quite a comfortable experience with money. And then

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Speaker 1: I moved out of home at the age of eighteen,

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Speaker 1: and then that was a whole other ballpark. There's a

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Speaker 1: whole learning how to budget and learning you know, where

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Speaker 1: my money had to go and know, while still being

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Speaker 1: able to enjoy life. So yeah, we're getting there. We're

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Speaker 1: getting there, definitely.

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Speaker 4: I feel like that is such a shock when you

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Speaker 4: move out and I was exactly the same, Like we

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Speaker 4: didn't grow up like super wealthy or anything like that,

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Speaker 4: but you just don't realize how expensive it is to

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Speaker 4: live on your own. Like paper towel, what do you

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Speaker 4: mean you have to pay for paper towel, dishwashing liquid,

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Speaker 4: dish washing tablets. Those things are so expensive.

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Speaker 1: And especially if you want like the eco friendly ones.

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Speaker 4: Yeah, you're trying to do the right thing. But you're like,

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Speaker 4: life is expensive. What do you mean I have to

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Speaker 4: spend my money on that instead of the things I love? No,

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Speaker 4: I know what on earth? Anyway? Next question, money diarist,

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Speaker 4: Just what do you do for work and how much

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Speaker 4: money do you earn?

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Speaker 1: So I'm currently working as a registered nurse in an

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Speaker 1: emergency department.

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Speaker 4: Oh, I love that. You must be a very special

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Speaker 4: human fancy.

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Speaker 1: Yes, so I started that job in February of this year.

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Speaker 1: So I'm class as a graduate.

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Speaker 4: Nurse and grats, thank you.

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Speaker 1: My base salary on the hours that I am contracted

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Speaker 1: to work is about fifty five thousand a year, but

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Speaker 1: with overtime and penalties and all of that, I'm tracking

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Speaker 1: for about seventy five thousand.

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Speaker 4: Oh my gosh, my first.

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Speaker 3: You must have done a lot of overtime this year.

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Speaker 3: I feel like, how are you holding ours?

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Speaker 1: It's intense. I'm actually in Queensland, so we have been

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Speaker 1: very fortunate. Our friends down south have had it a

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Speaker 1: bit rough in comparison to us. I have a lot

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Speaker 1: of friends who are now working in New South Wales,

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Speaker 1: so some of the stories are a bit harrowing, but yeah, no,

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Speaker 1: it's been. It's been from basically from week one. We

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Speaker 1: were always asked, I want to do over time. I

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Speaker 1: want to do it, and you're like, yes, please give

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Speaker 1: me the money here like how I feel after sixteen

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Speaker 1: hours in this place, But but.

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Speaker 4: I do like the pay. But you do have to

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Speaker 4: make sure you balance that well, right, Like I have

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Speaker 4: a fair few clients who are nurses and our doctors

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Speaker 4: and do overtime. And in the first few years of

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Speaker 4: your career, I feel like you take on lots of

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Speaker 4: overtime because the money's so good and it's so exciting,

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Speaker 4: but you have to be really careful of burnout and

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Speaker 4: taking on too much. So I think you need to

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Speaker 4: really remember that there's a balance and how is your

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Speaker 4: mental health going, and how's your work life balance going.

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Speaker 4: Because you, nurses and doctors in any type of healthcare

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Speaker 4: professionals are so special. We can't have you burning out.

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Speaker 4: We need you look after yourselves please.

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Speaker 1: That was a really interesting, interesting conversation. Actually, I didn't

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Speaker 1: think the word burnout would come up so quickly in

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Speaker 1: my career. But yeah, no, after I took some I

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Speaker 1: took some leave in October, so about six months after

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Speaker 1: I started, and yeah, that was like very well needed actually,

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Speaker 1: so so yeah, no, it's really good. They do consider

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Speaker 1: our work life balance, our mental health, and yeah, I'm

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Speaker 1: glad to hear you're.

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Speaker 4: Looking after yourself. Next question, my friend, is what is

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Speaker 4: your big money goal.

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Speaker 1: So at the moment, it's working towards rebuilding my emergency fund.

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Speaker 1: There's been we had a couple of fur baby emergencies

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Speaker 1: and worst emergency unfortunately, so I was really lucky I

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Speaker 1: had my emergency fund there, so we were able to

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Speaker 1: make some decisions that I probably wouldn't have made a

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Speaker 1: couple of years ago if we had, you know, not

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Speaker 1: that buffer sitting in my accounts. So I'm looking at

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Speaker 1: building that one up now and then we yeah, that's

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Speaker 1: about it for the moment. We've got lots of other

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Speaker 1: things we want to do, but I'm a little bit

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Speaker 1: on edge without that buffer, So I liked I'd like

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Speaker 1: to try and get that one up before I try

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Speaker 1: and think about any of the bigger ones at the moment.

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Speaker 4: So yeah, I feel like once you've had an emergency fund,

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Speaker 4: or once you have an emergency fund, the level of

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Speaker 4: security that you get from that you go hold up

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Speaker 4: Like I don't want to not ever have this, Like

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Speaker 4: this is such a security blanket for me now. It

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Speaker 4: is something that makes me feel so calm and so

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Speaker 4: at ease that when it dwindles down for good reason,

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Speaker 4: like a fur baby emergency is a very important emergency.

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Speaker 4: But you go, oh, like, I've really got to build

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Speaker 4: that back up. I totally get it. Money direst before

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Speaker 4: you said something, you said, we who is?

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Speaker 1: I live with my partner. So my partner and I

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Speaker 1: we've been together for nearly four years now, so we've

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Speaker 1: lived together for most of that, which has been its

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Speaker 1: own challenges. But yeah, we have a mortgage as well,

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Speaker 1: So that was something that I was very fortunate when

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Speaker 1: when I met him, he was in the position to

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Speaker 1: pretty much be able to buy. And then very shortly after,

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Speaker 1: because we happen to have two incomes, we just decided

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Speaker 1: to do it and move in together. So we moved

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Speaker 1: in together not six months after we met.

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Speaker 4: Wow, oh my gosh, when you know you know money diary, we're.

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Speaker 1: A little nineteen year old. That was probably not the

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Speaker 1: smartest idea, but we're very happy that it's worked out well.

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Speaker 1: So yeah, we that's our situation to us and our

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Speaker 1: two little fur babies at the moment.

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Speaker 4: My gosh, So how old are you and your partner now?

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Speaker 1: So I'm twenty two and he is twenty four.

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Speaker 4: Oh my gosh, twenty two, twenty four mortgage two fur

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Speaker 4: babies who are set? What that's actually so impressive at

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Speaker 4: your age.

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Speaker 1: Like a grandma sometimes. But it's okay, it's it's yeah,

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Speaker 1: we're very happy.

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Speaker 4: So no, I love that. And what are the fur babies.

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Speaker 4: I'm like, totally off track of the money diary, but

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Speaker 4: I'm like, what are you paying?

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Speaker 1: We got two dogs. They're both sitting out in the

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Speaker 1: air con at the moment in the living room because

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Speaker 1: Queensland it's like twenty eight degrees or something at nine am.

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Speaker 3: So I know everyone at home will ask as well,

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Speaker 3: are they okay after the emergency? Are they doing all good?

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Speaker 1: So unfortunately we lost one of our boys earlier this year. Yeah,

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Speaker 1: so we have a new This is Pumpkin. Pupkin.

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Speaker 4: Oh my gosh, they're friend.

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Speaker 3: Everyone at home. Pumpkin is freaking adorable and pat.

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Speaker 4: Pumpkin is gorgeous.

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Speaker 1: And that Patch is our RSPCA Rescue. We got her.

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Speaker 4: I love you. Patch. No one can see these pictures,

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Speaker 4: but I promise you they are gorgeous. So let's move on,

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Speaker 4: because I feel like I could talk about pets literally

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Speaker 4: all day. Get me started diaries. Do you have any investments?

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Speaker 1: I do so apart from my super is she she's

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Speaker 1: twenty two.

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Speaker 3: Yess, you're doing much better than I was at twenty two.

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Speaker 4: That is for sure, much better than I was it

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Speaker 4: twenty two. I was backwards. At twenty two. I was

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Speaker 4: in debt and that's not a bad thing. We're all

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Speaker 4: in our own journeys. But just like looking at it,

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Speaker 4: you go, wow, that's so impressive to have your stuff

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Speaker 4: together so early.

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Speaker 1: It doesn't feel like it, but I guess when you

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Speaker 1: kind of write it all down, it's like, oh, I'm

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Speaker 1: actually a little bit, you know, but I'm pretty good

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Speaker 1: at it. Yeah, no, So it's nice. It's nice to

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Speaker 1: think that. But thankfully Mum and Dad were pretty on

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Speaker 1: the ball with the whole investing thing. So I have

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Speaker 1: obviously my super which Victoria taught me that that was

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Speaker 1: an investment, so and working for the government as well.

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Speaker 1: That's a nice little accumulating nice and quickly in my account.

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Speaker 1: And then I have about five thousand dollars in a

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Speaker 1: comsec share portfolio just a couple of different while exciting. Yes,

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Speaker 1: And then I've got a Raise account with just under

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Speaker 1: a thousand dollars in it. I started that after I

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Speaker 1: found Cheese on the money this year, and I have

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Speaker 1: a Superhero account which I am using for some US shares,

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Speaker 1: so I've got about five hundred US dollars in tool.

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Speaker 4: So what's the plan with your investment's long term?

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Speaker 1: I think because I had the concept ones first, and

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Speaker 1: I've had those for just over twelve months now, I'd

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Speaker 1: like to I'd like to kind of find some way

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Speaker 1: to merge them all, maybe in one kind of platform

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Speaker 1: or not, because yeah, it's having them having them in

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Speaker 1: separate places is interesting as well. But I'd like to

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Speaker 1: be able to regularly invest too, and just you know,

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Speaker 1: that nice early retirement feeling is the goal at the moment.

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Speaker 4: So it sounds like you're on track, my friends, like

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Speaker 4: I have no doubt you'll achieve it.

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Speaker 1: Yeah, So just try and find put I try and

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Speaker 1: budget and put even just a small amount of every

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Speaker 1: paycheck into my Superhero account to try and build that up.

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Speaker 1: And yeah, that's the goal at the moment.

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Speaker 4: Yeah. Wow, So next question for you is do you

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Speaker 4: have any debts. If so, what are they?

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Speaker 1: I do as well. So I've got my hextet which

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00:11:58,160 --> 00:12:01,120
Speaker 1: is sitting over about thirty two thousand. I think I

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Speaker 1: have a dual degree and I have a Actually how

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Speaker 1: I found out about my whole identity fraud. I was

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Speaker 1: applying for my car loan, so I have a novated

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Speaker 1: lease with my like salary sacrifice salary package, my novated

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Speaker 1: lease for my car. So I got my new car

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Speaker 1: earlier this year, and then just the mortgage. So those

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Speaker 1: ones there exciting.

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Speaker 4: How much impact does de have on your life when

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Speaker 4: we look at you know, repayments, You've got the car,

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Speaker 4: You've got the house, Like, what does that look like

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Speaker 4: when it comes to budget and cash flow for you?

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Speaker 1: We've set it up pretty well so every it's really

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Speaker 1: quite good. My partner and I get paid on alternate fortnights,

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Speaker 1: so yeah, money all the time, yes, yes, So we

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Speaker 1: have we have some joint accounts together that we have

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Speaker 1: set amounts that we just both put into when we

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Speaker 1: get paid, and it's almost like it just doesn't exist.

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Speaker 1: So my car loan comes out of I pay before

250
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Speaker 1: I even see it, which I account into every fortnight.

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Speaker 1: So basically I just I don't count that as what

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Speaker 1: I've earnt. It just goes to my car. It all

253
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Speaker 1: gets paid. It colors my insurance and my red Gaol

254
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Speaker 1: and my fuel for that as well.

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Speaker 4: Such a good money win.

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Speaker 1: Yeah, it is a pretty good money whin actually, especially

257
00:13:18,280 --> 00:13:20,839
Speaker 1: when petrol prices are horrible at the moment. I really

258
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Speaker 1: have to think.

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Speaker 4: We were talking about this the other day on Friday drinks.

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Speaker 4: They are so expensive. I think it's also really important

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Speaker 4: when we talk about novated leases to only take on

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Speaker 4: things that we actually need, and when it comes to

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Speaker 4: a car, absolutely, but I think some people also go

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Speaker 4: a little bit overboard because they're, oh my gosh, it's novaded,

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00:13:38,280 --> 00:13:41,720
Speaker 4: and somehow people equate that to being in their minds

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Speaker 4: free when it's not. It is coming out of your money. Yes,

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00:13:44,920 --> 00:13:47,000
Speaker 4: it is pre tax income, which is a really big

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00:13:47,040 --> 00:13:49,880
Speaker 4: money win. But we don't get an ovated lease just

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Speaker 4: because you're like, I really want a new car. As

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00:13:52,040 --> 00:13:54,000
Speaker 4: long as it's in line with your goals and your

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Speaker 4: values and it's not going to put you behind, You're

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00:13:56,800 --> 00:13:59,920
Speaker 4: still taking less money home each and every single week

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Speaker 4: to achieve your goals and achieve what you want to

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Speaker 4: do with your budget and cash flow. So I do

275
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Speaker 4: think it's really important to go you know, what is

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Speaker 4: that actually going to work for me? But in your situation,

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Speaker 4: I know it makes a lot of sense because you're like, well,

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Speaker 4: I need a car, and if it can come out

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Speaker 4: of my income before tax money win.

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Speaker 1: Yeah. In all honesty, if I had been listening to you,

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00:14:19,840 --> 00:14:23,840
Speaker 1: I probably would have done it differently to start with. Really, yeah,

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Speaker 1: I guess just the fact that there is interest on

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00:14:26,760 --> 00:14:29,680
Speaker 1: that loan regardless, like doesn't matter if it's coming out

284
00:14:29,720 --> 00:14:32,320
Speaker 1: of my pay you know, pre tax, I'm still paying

285
00:14:32,360 --> 00:14:34,360
Speaker 1: more for the car than I would it if I'd

286
00:14:34,360 --> 00:14:38,800
Speaker 1: bought it out right. And my parents have done it.

287
00:14:38,960 --> 00:14:41,680
Speaker 1: They're both government employees as well. They've both done the

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Speaker 1: novated leasing thing ever since I can remember. I can't

289
00:14:44,920 --> 00:14:46,920
Speaker 1: remember a time when they weren't doing it, and it's

290
00:14:46,960 --> 00:14:48,800
Speaker 1: been a really good tool for them in terms of

291
00:14:49,280 --> 00:14:51,760
Speaker 1: they would upgrade their cars every couple of years and

292
00:14:51,800 --> 00:14:53,640
Speaker 1: you know, pay out the balloon and then sell them

293
00:14:53,680 --> 00:14:57,640
Speaker 1: and just they were quite they're quite smart people. I

294
00:14:57,680 --> 00:14:59,840
Speaker 1: have them to thank for kind of that. Mind.

295
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Speaker 4: I heard they had a financial advisor solo.

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00:15:04,160 --> 00:15:07,400
Speaker 1: So I guess I would have probably just saved up

297
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Speaker 1: and then purchased something outright. And my car is new

298
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Speaker 1: as well. I had my little trustee, old little Brena

299
00:15:14,720 --> 00:15:17,960
Speaker 1: from when I got my license. It had no airkorn

300
00:15:18,280 --> 00:15:22,800
Speaker 1: owing Queensland Queen's a tough fee, and it had broken

301
00:15:22,920 --> 00:15:26,920
Speaker 1: locks and all of that, and I just kind of

302
00:15:27,480 --> 00:15:30,160
Speaker 1: decided that when I had got my big girl job

303
00:15:30,200 --> 00:15:32,200
Speaker 1: and I got my full time job, that I my

304
00:15:32,440 --> 00:15:34,920
Speaker 1: car was like my first priority. And I think for

305
00:15:35,000 --> 00:15:38,400
Speaker 1: me having access to that novatedly sing meant I could

306
00:15:38,400 --> 00:15:40,640
Speaker 1: get it sooner. So that was where my mind was

307
00:15:40,640 --> 00:15:42,800
Speaker 1: at when when I got that earlier this year.

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Speaker 4: But yeah, I think it's not too bad, and I

309
00:15:45,200 --> 00:15:48,080
Speaker 4: know that there is a lot to take into consideration.

310
00:15:48,160 --> 00:15:50,600
Speaker 4: And I haven't sat down and analyzed your loan, but

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00:15:50,640 --> 00:15:52,400
Speaker 4: I think when we look at it in the grand

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00:15:52,480 --> 00:15:55,960
Speaker 4: scheme of things, even though you are paying interest on that,

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Speaker 4: I'm going to assume that the interest is not more

314
00:15:59,200 --> 00:16:00,960
Speaker 4: than how much to have you would have paid on

315
00:16:01,000 --> 00:16:04,680
Speaker 4: that taxable income. So I think it all does work

316
00:16:04,680 --> 00:16:06,840
Speaker 4: out in the end. But at the same time, we

317
00:16:06,920 --> 00:16:09,120
Speaker 4: really have to make sure that we're making decisions that

318
00:16:09,200 --> 00:16:11,760
Speaker 4: are actually in line with our values and actually in

319
00:16:11,800 --> 00:16:13,760
Speaker 4: line with what we're doing, instead of getting caught up

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00:16:13,760 --> 00:16:16,120
Speaker 4: in it and going new car. I've just graduated. I

321
00:16:16,160 --> 00:16:18,960
Speaker 4: deserve it, and I totally get that because I really

322
00:16:19,000 --> 00:16:21,640
Speaker 4: wanted one and I did that and I was carrying

323
00:16:21,680 --> 00:16:24,160
Speaker 4: some debt when I had my first graduate job for

324
00:16:24,200 --> 00:16:26,920
Speaker 4: a car. I think I paid fourteen thousand dollars for

325
00:16:27,000 --> 00:16:29,680
Speaker 4: my first car that was not the car that I

326
00:16:29,720 --> 00:16:33,200
Speaker 4: had when I learned to drive, And at that point

327
00:16:33,240 --> 00:16:36,680
Speaker 4: in time, that was so much money. And if I

328
00:16:36,680 --> 00:16:39,160
Speaker 4: look back, I'm like, Victoria, you didn't need that. You

329
00:16:39,240 --> 00:16:41,960
Speaker 4: really didn't need it. But at the same time, I

330
00:16:42,000 --> 00:16:44,400
Speaker 4: felt really proud of that purchase and I felt really

331
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Speaker 4: proud driving it, and I wouldn't change it, but would

332
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Speaker 4: I want a little bit more education around making that decision,

333
00:16:50,160 --> 00:16:52,880
Speaker 4: of course, So I think we can't hold ourselves to

334
00:16:52,960 --> 00:16:55,160
Speaker 4: the standard of what we knew when we didn't have

335
00:16:55,200 --> 00:16:57,760
Speaker 4: the education. But at the same time, we're always learning.

336
00:16:57,800 --> 00:16:59,960
Speaker 4: So maybe next time you won't do it, or you will.

337
00:17:00,160 --> 00:17:02,320
Speaker 4: You'll look at the tax rates and the novated lease

338
00:17:02,360 --> 00:17:04,639
Speaker 4: options and make a decision that you're like, Nope, this

339
00:17:04,840 --> 00:17:06,760
Speaker 4: is the right one for me. So that we're super

340
00:17:06,760 --> 00:17:09,280
Speaker 4: confident always, and I bet if you're pretty good driving

341
00:17:09,320 --> 00:17:10,520
Speaker 4: around in the Queen with.

342
00:17:10,560 --> 00:17:15,520
Speaker 1: Air, Yes, I feel really good, trust me. It's sometimes

343
00:17:15,520 --> 00:17:19,120
Speaker 1: it's better to be in my so that's a lot

344
00:17:19,160 --> 00:17:22,760
Speaker 1: better for me. No more windows down as sweat beads

345
00:17:22,800 --> 00:17:23,440
Speaker 1: on my forehead.

346
00:17:23,560 --> 00:17:28,000
Speaker 4: So such a win. Next question is do you shop back?

347
00:17:28,160 --> 00:17:30,960
Speaker 1: I do. It was actually the life on Cut Girls

348
00:17:31,000 --> 00:17:35,119
Speaker 1: that got a little while ago. Yes, so that was

349
00:17:35,400 --> 00:17:37,879
Speaker 1: that was good. I got their little cheeky sign up

350
00:17:37,920 --> 00:17:40,800
Speaker 1: bonus money win and then yes, it was a big

351
00:17:40,840 --> 00:17:43,520
Speaker 1: money went and I've had a couple of referrals now

352
00:17:43,720 --> 00:17:46,560
Speaker 1: so more who is she Yes.

353
00:17:46,400 --> 00:17:47,959
Speaker 3: I feel like that's such a big win. That we

354
00:17:48,000 --> 00:17:50,560
Speaker 3: don't talk about enough is if you do use shot back,

355
00:17:50,920 --> 00:17:52,840
Speaker 3: if you sign up, you can obviously use the shees

356
00:17:52,880 --> 00:17:55,200
Speaker 3: on the money code SotM. It'll give you I think

357
00:17:55,200 --> 00:17:58,120
Speaker 3: it's ten dollars when you sign up three, but.

358
00:17:58,440 --> 00:18:00,840
Speaker 4: You can't get anything from that, sorry to buddy in

359
00:18:00,880 --> 00:18:03,760
Speaker 4: their Jess. Referrals happen for you guys, not for us.

360
00:18:04,080 --> 00:18:06,160
Speaker 4: So if you use our code, I don't make any

361
00:18:06,200 --> 00:18:08,800
Speaker 4: money from that. That's literally so that you guys have

362
00:18:08,840 --> 00:18:10,840
Speaker 4: a bit of a money win. But if you send

363
00:18:10,880 --> 00:18:13,480
Speaker 4: it to friends and they sign up you get money

364
00:18:13,480 --> 00:18:15,040
Speaker 4: for that too, exactly right.

365
00:18:15,440 --> 00:18:19,800
Speaker 1: I got so much so I it was what my

366
00:18:19,800 --> 00:18:22,680
Speaker 1: little sister I referred to her when it was a double,

367
00:18:23,000 --> 00:18:27,520
Speaker 1: a double referral deal or something. So it's normally twenty

368
00:18:27,560 --> 00:18:30,560
Speaker 1: dollars for a referral, but it was a double, so

369
00:18:30,600 --> 00:18:33,080
Speaker 1: I got we both got forty dollars.

370
00:18:33,440 --> 00:18:37,399
Speaker 4: Further, am incredible shopbacks. Not gonna like me saying this,

371
00:18:37,560 --> 00:18:40,359
Speaker 4: but I'm gonna say it anyway. Ask a power for

372
00:18:40,400 --> 00:18:43,160
Speaker 4: their shot back code, so that you are making money

373
00:18:43,160 --> 00:18:45,719
Speaker 4: for your friends as opposed to us, who doesn't make

374
00:18:45,760 --> 00:18:49,880
Speaker 4: any money from our referral money. Win Jenius shot back

375
00:18:49,920 --> 00:18:51,600
Speaker 4: and going to be like Victoria, stop that.

376
00:18:52,359 --> 00:18:56,280
Speaker 1: Little chrome extension. I use the app. I actually book

377
00:18:56,359 --> 00:18:58,880
Speaker 1: flights with my shop back dollars the other day.

378
00:18:59,600 --> 00:18:59,800
Speaker 3: Cool.

379
00:19:00,080 --> 00:19:02,320
Speaker 1: Yeah, so on the app on my phone, I was

380
00:19:02,320 --> 00:19:07,000
Speaker 1: booking through Jetstar, and you can buy jet Star gift vouchers. Yep,

381
00:19:07,240 --> 00:19:10,080
Speaker 1: now the hack get money back on the gift voucher.

382
00:19:10,160 --> 00:19:12,960
Speaker 1: And if you've got any pending like withdrawal cash, you

383
00:19:12,960 --> 00:19:15,560
Speaker 1: can actually just use that and then pay the difference

384
00:19:19,720 --> 00:19:20,680
Speaker 1: with genius.

385
00:19:21,640 --> 00:19:23,720
Speaker 4: I didn't know until recently you could do the gift

386
00:19:23,720 --> 00:19:28,240
Speaker 4: card thing. Genius everybody's just like hacking everything. I love it.

387
00:19:28,960 --> 00:19:33,280
Speaker 4: Good work legend. Next question, it might be that that

388
00:19:33,400 --> 00:19:36,040
Speaker 4: might be your best money habit, but I'm gonna ask anyway,

389
00:19:36,280 --> 00:19:38,800
Speaker 4: money Doris, what is your best money habit?

390
00:19:39,080 --> 00:19:42,320
Speaker 1: I am very, very very rarely pay full price for anything.

391
00:19:42,800 --> 00:19:45,680
Speaker 4: We love this, Yes, tell us your hack to the point.

392
00:19:45,520 --> 00:19:48,320
Speaker 1: Of sometimes it's a problem, not a fee. My dad

393
00:19:48,440 --> 00:19:51,520
Speaker 1: was like this too. We go to Woolworth, you'll know

394
00:19:51,560 --> 00:19:55,280
Speaker 1: the little yellow stickers on the worst thing. So sometimes

395
00:19:55,280 --> 00:19:57,080
Speaker 1: it would be so much of a problem that I

396
00:19:57,119 --> 00:19:59,280
Speaker 1: have to eat my entire grocery hall within two days

397
00:19:59,320 --> 00:20:00,880
Speaker 1: because they'd all be on the end of the day.

398
00:20:02,480 --> 00:20:05,560
Speaker 1: But no, no, I just think, yeah, I like to

399
00:20:05,560 --> 00:20:07,400
Speaker 1: try and find a sale, try and find a bug,

400
00:20:07,480 --> 00:20:09,760
Speaker 1: and get the best price for everything. When all my

401
00:20:09,840 --> 00:20:13,080
Speaker 1: insurances come around, I'm always trying to find new quotes

402
00:20:13,160 --> 00:20:15,760
Speaker 1: and which did it last night for my partner's car. Actually,

403
00:20:15,960 --> 00:20:19,439
Speaker 1: just I think we saved four hundred dollars on his

404
00:20:19,640 --> 00:20:22,919
Speaker 1: car just by doing another quote and all of that. Like,

405
00:20:23,119 --> 00:20:26,200
Speaker 1: so I think, yeah, that's probably my best money habit.

406
00:20:26,280 --> 00:20:29,920
Speaker 1: I chop around, I get a good that's a great one.

407
00:20:30,000 --> 00:20:33,200
Speaker 4: Yeah, yeah, I love that, And it's obviously really important

408
00:20:33,240 --> 00:20:34,879
Speaker 4: to do, but so many of us like, oh, I

409
00:20:34,920 --> 00:20:37,080
Speaker 4: can't be bothered. But it doesn't take long, does it?

410
00:20:37,280 --> 00:20:39,200
Speaker 1: No, not at all. I think we ended up getting

411
00:20:39,480 --> 00:20:41,920
Speaker 1: four quotes last night, and yeah, I think it took

412
00:20:41,920 --> 00:20:44,320
Speaker 1: about ten to fifteen minutes to get a couple of quotes.

413
00:20:44,359 --> 00:20:46,400
Speaker 1: And yeah, it was four hundred dollars saving, so that's

414
00:20:46,600 --> 00:20:48,240
Speaker 1: you know, money win there.

415
00:20:48,480 --> 00:20:50,520
Speaker 4: It's such a money win, and I think that we

416
00:20:50,600 --> 00:20:52,800
Speaker 4: don't see how important that is. You don't want to

417
00:20:52,840 --> 00:20:54,919
Speaker 4: look at it. But if you said to me, hey, Victoria,

418
00:20:55,000 --> 00:20:56,480
Speaker 4: do you want to make four hundred bucks in half now,

419
00:20:56,560 --> 00:20:59,920
Speaker 4: I'd be like, ah, yes, Like you're literally doing that

420
00:21:00,080 --> 00:21:02,680
Speaker 4: for yourselves by doing it, So start seeing it that way,

421
00:21:02,720 --> 00:21:04,640
Speaker 4: and I promise you you'll be like I just made

422
00:21:04,680 --> 00:21:04,959
Speaker 4: for him.

423
00:21:05,080 --> 00:21:07,680
Speaker 1: But no, honestly, so good and even just we went

424
00:21:07,720 --> 00:21:10,840
Speaker 1: in there thinking we'd pop it on our joint account

425
00:21:10,960 --> 00:21:13,760
Speaker 1: and just take it out monthly, but then we saw

426
00:21:14,000 --> 00:21:17,680
Speaker 1: you know, the monthly versus yearly savings, and you get

427
00:21:17,720 --> 00:21:19,800
Speaker 1: a pity's a good two hundred dollars as well, just

428
00:21:19,840 --> 00:21:22,439
Speaker 1: by paying it, you know, in one go instead of

429
00:21:23,000 --> 00:21:25,560
Speaker 1: instead of over twelve months. So yeah, no, it was

430
00:21:25,680 --> 00:21:26,080
Speaker 1: really good.

431
00:21:26,240 --> 00:21:28,359
Speaker 4: Yeah, which is a really good thing to be able

432
00:21:28,440 --> 00:21:30,720
Speaker 4: to do. But I think it's also worthy of note

433
00:21:30,720 --> 00:21:33,600
Speaker 4: that some people just don't have that capacity, and that's

434
00:21:33,600 --> 00:21:35,879
Speaker 4: why it's so important to get your budget and cash

435
00:21:35,920 --> 00:21:38,760
Speaker 4: flow in order so that you not only are able

436
00:21:38,800 --> 00:21:40,960
Speaker 4: to budget and understand what's coming in and out of

437
00:21:40,960 --> 00:21:43,879
Speaker 4: your account, but you'll start to have amounts of money

438
00:21:43,920 --> 00:21:47,000
Speaker 4: set aside so that you can then save more money

439
00:21:47,000 --> 00:21:49,879
Speaker 4: in the long term by making decisions like that, Because

440
00:21:49,920 --> 00:21:51,600
Speaker 4: if you're not on top of your budget and cash

441
00:21:51,600 --> 00:21:53,400
Speaker 4: flow and don't have savings, you'll be like, oh my god,

442
00:21:53,440 --> 00:21:55,440
Speaker 4: I could save another two hundred bucks if I paid

443
00:21:55,440 --> 00:21:57,399
Speaker 4: for an hour, right, I don't have the cashlough, so

444
00:21:57,560 --> 00:22:00,280
Speaker 4: that's not an option. But if you start to actually

445
00:22:00,640 --> 00:22:04,640
Speaker 4: save and put money aside and understand your money, you're

446
00:22:04,680 --> 00:22:06,480
Speaker 4: going to be able to put yourself in a position

447
00:22:06,480 --> 00:22:09,359
Speaker 4: where you end up saving even more. And that it

448
00:22:09,400 --> 00:22:11,040
Speaker 4: feels like you're being shot in the food because you're like,

449
00:22:11,040 --> 00:22:13,000
Speaker 4: what are you saying, I can only save if I save,

450
00:22:13,680 --> 00:22:15,680
Speaker 4: But yes, sometimes that's the case.

451
00:22:15,760 --> 00:22:16,920
Speaker 1: Yeah, No, it's good to see.

452
00:22:17,200 --> 00:22:20,280
Speaker 4: All right. Next question, I don't know if you have

453
00:22:20,400 --> 00:22:23,520
Speaker 4: any but what is your worst money habit.

454
00:22:23,720 --> 00:22:26,280
Speaker 1: Oh, I can be very impulsive with my purchases.

455
00:22:27,840 --> 00:22:30,800
Speaker 4: You're like the yellow sticker. I might be saved, but I.

456
00:22:31,240 --> 00:22:33,600
Speaker 1: Need that chocolate moose this week? Or did I really

457
00:22:33,640 --> 00:22:35,880
Speaker 1: need six yogurts like I'm not going to eat?

458
00:22:36,000 --> 00:22:36,160
Speaker 3: Yes?

459
00:22:36,200 --> 00:22:36,520
Speaker 2: You did?

460
00:22:36,680 --> 00:22:37,120
Speaker 1: You did?

461
00:22:37,880 --> 00:22:38,080
Speaker 3: Yeah.

462
00:22:38,160 --> 00:22:41,160
Speaker 1: I think sometimes it's you know, I try and put

463
00:22:41,200 --> 00:22:43,360
Speaker 1: money aside for certain things, like I'll have a look

464
00:22:43,359 --> 00:22:45,520
Speaker 1: at the fortnight ahead when I get paid and try

465
00:22:45,560 --> 00:22:47,639
Speaker 1: and be like, you know, I've got this, this and

466
00:22:47,720 --> 00:22:49,440
Speaker 1: this coming up this week, so I've got to put

467
00:22:49,480 --> 00:22:52,399
Speaker 1: money aside, but I don't factor in like ah, a

468
00:22:52,440 --> 00:22:55,040
Speaker 1: friend's message to go out for brunch, like there's you know,

469
00:22:55,160 --> 00:22:57,480
Speaker 1: thirty dollars it's coming out that I haven't thought of,

470
00:22:57,720 --> 00:23:00,159
Speaker 1: or you know, oh, there's a really cute dress I

471
00:23:00,200 --> 00:23:02,520
Speaker 1: walked past when I was out shopping, and then I

472
00:23:02,600 --> 00:23:06,440
Speaker 1: just think I don't quite process it in due time.

473
00:23:06,560 --> 00:23:08,680
Speaker 1: It's like after the purchase is always like a little

474
00:23:08,680 --> 00:23:10,879
Speaker 1: bit of guilt after the purchase too. I guess the

475
00:23:11,560 --> 00:23:14,520
Speaker 1: impulsivity and then the guilt kind of go hand in

476
00:23:14,560 --> 00:23:17,040
Speaker 1: hand with me. So I'm trying to be trying to

477
00:23:17,040 --> 00:23:19,439
Speaker 1: put a little bit of fun money aside as well

478
00:23:19,560 --> 00:23:22,959
Speaker 1: to just staying within those parameters, I guess is just

479
00:23:23,320 --> 00:23:26,520
Speaker 1: something I'm trying to work on. So yeah, I.

480
00:23:27,160 --> 00:23:30,280
Speaker 3: Yeah, having your fun money is really important. Being able

481
00:23:30,320 --> 00:23:32,800
Speaker 3: to do those little things like the brunch, I think

482
00:23:32,840 --> 00:23:35,600
Speaker 3: without feeling guilty and being like, I've allocated money for

483
00:23:35,640 --> 00:23:38,200
Speaker 3: this and it's okay if something comes up to spend

484
00:23:38,200 --> 00:23:40,399
Speaker 3: on it. I am someone who used to struggle with

485
00:23:40,440 --> 00:23:43,640
Speaker 3: that and building it into my budget, Victoria, Like how

486
00:23:43,680 --> 00:23:45,840
Speaker 3: you taught me just made such a big difference.

487
00:23:46,080 --> 00:23:48,200
Speaker 4: You shouldn't feel guilty about this stuff.

488
00:23:48,280 --> 00:23:49,439
Speaker 3: Yeah, Like, it's life.

489
00:23:49,520 --> 00:23:53,159
Speaker 4: Life happens. A budget shouldn't be this perfect thing that

490
00:23:53,240 --> 00:23:56,240
Speaker 4: you go, oh my gosh, I'm an absolute legend because

491
00:23:56,280 --> 00:23:59,000
Speaker 4: I don't spend any money on these things. I'm like, sorry,

492
00:23:59,040 --> 00:24:01,560
Speaker 4: that's not reasonable to expect you guys to not want

493
00:24:01,560 --> 00:24:03,760
Speaker 4: to go out for breakfast with your friends. Why can't

494
00:24:03,760 --> 00:24:06,080
Speaker 4: we build it in? So yeah, sometimes you do have

495
00:24:06,119 --> 00:24:07,920
Speaker 4: to say no because you can't do it every single

496
00:24:07,960 --> 00:24:10,560
Speaker 4: day of the week. But at least you go, ah,

497
00:24:10,720 --> 00:24:12,800
Speaker 4: rudy done that. I don't feel like I'm missing out.

498
00:24:13,040 --> 00:24:16,399
Speaker 1: Like the diet analogy, when someone is on a diet

499
00:24:16,440 --> 00:24:18,680
Speaker 1: and they're super super strict and then you have one

500
00:24:18,720 --> 00:24:20,400
Speaker 1: slip up and then it's the rest of the day.

501
00:24:21,080 --> 00:24:23,199
Speaker 1: I feel like sometimes it's like that we're spending for

502
00:24:23,280 --> 00:24:25,320
Speaker 1: me too, Like if I have one slip up, then

503
00:24:25,320 --> 00:24:27,920
Speaker 1: it's like, oh, well budget's blown this fortnight, like may

504
00:24:27,960 --> 00:24:29,919
Speaker 1: as well, may as well have fun with it. So

505
00:24:30,080 --> 00:24:32,480
Speaker 1: I guess it's just trying to learn how to Yeah,

506
00:24:32,520 --> 00:24:35,280
Speaker 1: like you said, Victoria, have the fun money, enjoy it.

507
00:24:35,359 --> 00:24:39,199
Speaker 1: But in you know, in my means, in moderation.

508
00:24:39,480 --> 00:24:44,080
Speaker 4: Yeah, everything in moderation, just like a diet, everything in moderation.

509
00:24:44,240 --> 00:24:46,880
Speaker 4: We don't want to be restrictive, and we also don't

510
00:24:46,880 --> 00:24:49,600
Speaker 4: want to binge. But at the same time, sometimes we

511
00:24:49,640 --> 00:24:52,480
Speaker 4: fall into those things and it just happens, and that's okay.

512
00:24:52,960 --> 00:24:55,320
Speaker 4: But we need to know our money story and our

513
00:24:55,359 --> 00:24:58,800
Speaker 4: personalities well enough so that we can correct it and go, oh,

514
00:24:58,880 --> 00:25:00,679
Speaker 4: that's what I'm doing. I'm a bit cheeky when it

515
00:25:00,720 --> 00:25:03,000
Speaker 4: comes to that, or oh my gosh, no, that's actually

516
00:25:03,040 --> 00:25:05,439
Speaker 4: not a muck up. Yeah, I overspent on brunch, but

517
00:25:05,480 --> 00:25:07,760
Speaker 4: that doesn't mean the rest of the fortnite is completely

518
00:25:07,840 --> 00:25:09,800
Speaker 4: written off. So I think we need to be a

519
00:25:09,840 --> 00:25:12,280
Speaker 4: little kinder on ourselves. But the way to be kinder

520
00:25:12,280 --> 00:25:14,439
Speaker 4: on ourselves is to be planned and know where to

521
00:25:14,480 --> 00:25:19,920
Speaker 4: be kind. Money Diarist, the last question before we get

522
00:25:19,960 --> 00:25:22,080
Speaker 4: to ask about all this fraud stuff, which I have

523
00:25:22,200 --> 00:25:25,679
Speaker 4: been raring to ask about, is what grade would you

524
00:25:25,680 --> 00:25:28,120
Speaker 4: give yourself if we forced you to grade your money habits.

525
00:25:28,359 --> 00:25:30,040
Speaker 1: I I'm thinking of B plus.

526
00:25:30,240 --> 00:25:33,240
Speaker 4: Oh really, yeah.

527
00:25:32,680 --> 00:25:34,919
Speaker 1: I'm happy. I'm happy with where I'm at, but I

528
00:25:35,000 --> 00:25:37,480
Speaker 1: know I've got quite a bit to go in terms

529
00:25:37,520 --> 00:25:41,760
Speaker 1: of being like just feeling comfortable myself. So, like I said,

530
00:25:41,760 --> 00:25:44,159
Speaker 1: my emergency funds a little bit low at the moment,

531
00:25:44,240 --> 00:25:46,760
Speaker 1: and I'm not investing as regularly as I would like

532
00:25:46,840 --> 00:25:49,800
Speaker 1: to be. So I think once I can get those

533
00:25:49,840 --> 00:25:52,600
Speaker 1: two things kind of on track, i'd like to think

534
00:25:52,640 --> 00:25:53,720
Speaker 1: that I could give myself an A.

535
00:25:54,040 --> 00:25:56,760
Speaker 4: I think you are absolutely on the right path, like

536
00:25:56,840 --> 00:26:00,280
Speaker 4: the fact you are twenty to have a mortgage on

537
00:26:00,359 --> 00:26:03,359
Speaker 4: top of it. Oh, you are absolutely killing it. I

538
00:26:03,400 --> 00:26:05,560
Speaker 4: can't wait to ask more questions about that and all

539
00:26:05,560 --> 00:26:09,040
Speaker 4: the fraud stuff. Right after this very quick break, let's

540
00:26:09,119 --> 00:26:12,560
Speaker 4: jump straight back into it, Money Diarist, we heard it

541
00:26:12,600 --> 00:26:16,879
Speaker 4: in your email your identity was stolen? Is that correct?

542
00:26:17,560 --> 00:26:17,919
Speaker 1: Yes?

543
00:26:18,080 --> 00:26:21,680
Speaker 4: Can you tell us what happened, how it happened, and oh,

544
00:26:21,760 --> 00:26:24,480
Speaker 4: we want all the juicy and interesting details.

545
00:26:24,720 --> 00:26:28,000
Speaker 1: Yeah, so it was a bit of a scary time. Actually,

546
00:26:28,320 --> 00:26:33,320
Speaker 1: my my handbag got stolen. Yeah, the day I moved

547
00:26:33,359 --> 00:26:36,680
Speaker 1: out of home when I was eighteen. Oh my god,

548
00:26:37,000 --> 00:26:41,200
Speaker 1: that was that was pretty rough. So I was moving

549
00:26:41,240 --> 00:26:43,639
Speaker 1: my stuff into my new house with my dad and

550
00:26:43,680 --> 00:26:46,280
Speaker 1: left my handbag on the seat of his car. I

551
00:26:46,320 --> 00:26:46,920
Speaker 1: came back and.

552
00:26:46,880 --> 00:26:50,320
Speaker 3: It was got No, that's so bad to take it

553
00:26:50,359 --> 00:26:52,239
Speaker 3: from a car in the middle of the day, out

554
00:26:52,280 --> 00:26:53,800
Speaker 3: in the front of somebody's house.

555
00:26:54,440 --> 00:26:56,480
Speaker 1: Yeah, it was. It was at night, so I guess

556
00:26:56,520 --> 00:27:00,119
Speaker 1: there was a bit more like coverage of Yeah, anyway,

557
00:27:01,280 --> 00:27:05,199
Speaker 1: that was very interesting, not that one, but yeah, so

558
00:27:05,480 --> 00:27:07,480
Speaker 1: it was. It was only a probably like a thirty

559
00:27:07,480 --> 00:27:09,400
Speaker 1: second window where Dad and I were both away from

560
00:27:09,440 --> 00:27:13,040
Speaker 1: the car. Thirty second wind time it took for us

561
00:27:13,040 --> 00:27:15,480
Speaker 1: to carry like a set of drawers between the car

562
00:27:15,560 --> 00:27:17,119
Speaker 1: and the front door of the house. That was. That

563
00:27:17,280 --> 00:27:20,399
Speaker 1: was it. The dad was obviously a bit of a

564
00:27:20,440 --> 00:27:24,080
Speaker 1: planned thing by the seams of it. It was pretty

565
00:27:24,080 --> 00:27:27,280
Speaker 1: scary to think. So I didn't realize until we were

566
00:27:27,359 --> 00:27:28,160
Speaker 1: driving home.

567
00:27:28,640 --> 00:27:32,600
Speaker 4: Yeah, that's terrifying. That means that they were watching you

568
00:27:32,960 --> 00:27:34,760
Speaker 4: and knew that you were going to leave the car

569
00:27:34,880 --> 00:27:37,080
Speaker 4: and oh that gives me the HEBG.

570
00:27:37,359 --> 00:27:40,919
Speaker 1: Yeah, it was pretty rough. So my handbag had my

571
00:27:41,000 --> 00:27:44,200
Speaker 1: life in it. It had my my car keys because

572
00:27:44,200 --> 00:27:45,840
Speaker 1: we were in Dad's car, so it had my car

573
00:27:45,920 --> 00:27:51,200
Speaker 1: keys and my work keys, my house keys, my purse,

574
00:27:51,240 --> 00:27:54,480
Speaker 1: which obviously has everything in it, my license, my Medicare

575
00:27:54,520 --> 00:27:58,080
Speaker 1: card or my debit cards and stuff like that, my

576
00:27:58,480 --> 00:28:01,720
Speaker 1: diary which had several pace lips in the front of

577
00:28:01,800 --> 00:28:05,000
Speaker 1: it from that year, and then just a bunch of

578
00:28:05,160 --> 00:28:08,560
Speaker 1: like really inconvenient things like my reading glasses and my just.

579
00:28:08,480 --> 00:28:12,080
Speaker 4: Like all the annoying stuff. Your favorite lip barm I'm

580
00:28:12,080 --> 00:28:13,600
Speaker 4: assuming was also in there, just.

581
00:28:13,520 --> 00:28:16,359
Speaker 1: Like really inconvenient. I think anyone who's lost or had

582
00:28:16,359 --> 00:28:19,280
Speaker 1: a handbake stall and knows how frustrating it is to

583
00:28:19,320 --> 00:28:22,840
Speaker 1: have to replace all of that. And of course the

584
00:28:22,880 --> 00:28:25,479
Speaker 1: frames of my glasses were discontinued, so I couldn't get

585
00:28:25,480 --> 00:28:27,840
Speaker 1: the same glasses. It. Just like I was like really

586
00:28:27,880 --> 00:28:32,040
Speaker 1: really inconvenient things. So the next day I went to

587
00:28:32,080 --> 00:28:34,199
Speaker 1: my bank. As I was sitting in my bank, I

588
00:28:34,280 --> 00:28:37,960
Speaker 1: was watching them use my debit card. So no, yeah,

589
00:28:38,120 --> 00:28:41,000
Speaker 1: just like really stupid things like vending machines and smoke

590
00:28:41,080 --> 00:28:43,960
Speaker 1: marks and stuff like that. So I watched them. As

591
00:28:43,960 --> 00:28:47,200
Speaker 1: I was sitting with this beautiful bank person, he was

592
00:28:47,560 --> 00:28:52,520
Speaker 1: tears streaming down my face. He was really pretty like, yeah,

593
00:28:52,520 --> 00:28:54,560
Speaker 1: pretty rough. I'd just moved out of home, I'd saved

594
00:28:54,600 --> 00:28:56,920
Speaker 1: up to move out, all my like all of that stuff.

595
00:28:56,960 --> 00:28:59,040
Speaker 1: I was like terrified. So thankfully I was able to

596
00:28:59,040 --> 00:29:01,840
Speaker 1: cancel my card. I think I put a thirty day

597
00:29:01,840 --> 00:29:04,200
Speaker 1: lock or something. We did what the bank's process was,

598
00:29:04,440 --> 00:29:07,120
Speaker 1: and I thought that was it. Over the next couple

599
00:29:07,160 --> 00:29:09,640
Speaker 1: of months, I kept getting calls from the police saying

600
00:29:09,680 --> 00:29:12,360
Speaker 1: they'd found certain things in certain places. So my medicare

601
00:29:12,400 --> 00:29:15,080
Speaker 1: cub was found in a completely different suburb, my license

602
00:29:15,160 --> 00:29:17,800
Speaker 1: was found over like the other side of Brisbane. Like

603
00:29:18,400 --> 00:29:20,560
Speaker 1: just a lot of things turning up. So I got

604
00:29:20,600 --> 00:29:22,480
Speaker 1: a couple of calls and then I kind of just

605
00:29:22,560 --> 00:29:25,480
Speaker 1: forgot about it. Like I've replaced my license. I paid,

606
00:29:25,560 --> 00:29:30,200
Speaker 1: you know, the license fee, which is also very inconvenient. Yeah,

607
00:29:30,520 --> 00:29:33,080
Speaker 1: I think it's eighty dollars to replace a license in Queensland,

608
00:29:33,160 --> 00:29:34,800
Speaker 1: and they don't care if it was stolen or not.

609
00:29:34,920 --> 00:29:37,640
Speaker 1: I still had to pay it. So yeah, so that

610
00:29:37,760 --> 00:29:40,320
Speaker 1: was pretty rough. So I kind of forgot about it

611
00:29:40,640 --> 00:29:45,600
Speaker 1: and then the start of this year was the first

612
00:29:45,600 --> 00:29:49,280
Speaker 1: time that I had gone to apply for any kind

613
00:29:49,320 --> 00:29:52,320
Speaker 1: of loan. So maybe three and a half years later,

614
00:29:52,480 --> 00:29:56,120
Speaker 1: close to four years later, this had all happened. I

615
00:29:56,160 --> 00:29:58,920
Speaker 1: went through all my you know, my innovated leasing company

616
00:29:59,040 --> 00:30:02,120
Speaker 1: did the application and put in all my details, how

617
00:30:02,160 --> 00:30:04,200
Speaker 1: much I was earning. I had no debts. I've never

618
00:30:04,240 --> 00:30:06,080
Speaker 1: had a credit card. I've never had any kind of

619
00:30:06,120 --> 00:30:10,479
Speaker 1: debt prior to my carlone now. And I went through process,

620
00:30:10,520 --> 00:30:12,240
Speaker 1: and he got back to me and said, your application

621
00:30:12,320 --> 00:30:15,960
Speaker 1: has been declined. There's two and a half thousand dollars

622
00:30:16,040 --> 00:30:23,160
Speaker 1: of unpaid telephone bills to your name, and yeah, and

623
00:30:23,240 --> 00:30:26,479
Speaker 1: a bunch of It's not like I've never even had

624
00:30:26,520 --> 00:30:29,200
Speaker 1: a mobile phone plan. I've paid for my plans, I

625
00:30:29,400 --> 00:30:31,760
Speaker 1: have prepaid plans, I pay for my phones outright. I've

626
00:30:31,800 --> 00:30:34,320
Speaker 1: never had like I didn't have a phone bill.

627
00:30:34,360 --> 00:30:34,600
Speaker 3: Ever.

628
00:30:34,840 --> 00:30:38,120
Speaker 1: I was like, that kind of happened. So I felt

629
00:30:38,120 --> 00:30:40,320
Speaker 1: a bit yuck after that phone call.

630
00:30:40,560 --> 00:30:42,280
Speaker 4: I would have felt physically sick.

631
00:30:42,480 --> 00:30:44,600
Speaker 1: Yeah, And he emailed me just kind of like a

632
00:30:44,640 --> 00:30:48,560
Speaker 1: breakdown of why they declined the application as well. So

633
00:30:49,480 --> 00:30:52,719
Speaker 1: I just kind of googled what to do. I was like, oh,

634
00:30:52,760 --> 00:30:55,040
Speaker 1: I didn't really know what to do here. So someone

635
00:30:55,040 --> 00:30:57,400
Speaker 1: told me to get my credit report from Equifax. So

636
00:30:57,480 --> 00:31:00,280
Speaker 1: that was my next step, and that was a that

637
00:31:00,360 --> 00:31:02,680
Speaker 1: was a terrifying experience. On my lunch break at work,

638
00:31:02,840 --> 00:31:05,480
Speaker 1: I logged on made an account and there was pages

639
00:31:05,520 --> 00:31:08,040
Speaker 1: and pages and pages of credit inquiries.

640
00:31:07,720 --> 00:31:09,840
Speaker 4: My name on them, and you were like, I did

641
00:31:09,880 --> 00:31:11,560
Speaker 4: not do this, Yeah.

642
00:31:11,200 --> 00:31:13,840
Speaker 1: None of them. And actually I put two and two

643
00:31:13,840 --> 00:31:16,240
Speaker 1: together a bit later. I'd been declined for power a

644
00:31:16,280 --> 00:31:18,960
Speaker 1: couple of years earlier, and I didn't kind of I

645
00:31:18,960 --> 00:31:20,680
Speaker 1: didn't really click why. I was like, oh, maybe it's

646
00:31:20,680 --> 00:31:22,480
Speaker 1: because I have no credit history. I'm a young girl,

647
00:31:22,560 --> 00:31:23,280
Speaker 1: like whatever.

648
00:31:23,360 --> 00:31:23,880
Speaker 2: So we just did it.

649
00:31:24,400 --> 00:31:25,120
Speaker 4: Didn't think about it.

650
00:31:25,200 --> 00:31:28,040
Speaker 1: Partner's name, so I didn't even think about it, but

651
00:31:28,080 --> 00:31:31,800
Speaker 1: that inquiry was on there. And then there was inquiries

652
00:31:31,840 --> 00:31:34,400
Speaker 1: for credit cards up to the value of twenty thousand

653
00:31:34,400 --> 00:31:39,600
Speaker 1: dollars and personal loans and other mobile phone bills. They

654
00:31:39,600 --> 00:31:43,800
Speaker 1: were all just inquiries, which I'm very thankful that they

655
00:31:43,840 --> 00:31:47,320
Speaker 1: didn't get through. But then there was this bill, this

656
00:31:47,440 --> 00:31:51,200
Speaker 1: two and a half grand voter phone bill, and I

657
00:31:51,360 --> 00:31:55,400
Speaker 1: was like, right, okay, and I went into it, and

658
00:31:55,720 --> 00:31:59,480
Speaker 1: it's not an easy process. To dispute those.

659
00:32:00,080 --> 00:32:02,400
Speaker 4: So no, it's really so.

660
00:32:03,000 --> 00:32:06,200
Speaker 1: It was a couple of months it took me to

661
00:32:06,280 --> 00:32:09,360
Speaker 1: dispute those, thankfully, because I'd done all the right things

662
00:32:09,360 --> 00:32:13,200
Speaker 1: at the time. I had police report numbers from the

663
00:32:13,280 --> 00:32:16,400
Speaker 1: night that it was stolen. I had correspondence back and

664
00:32:16,440 --> 00:32:20,080
Speaker 1: forth from a couple of like the banks and stuff

665
00:32:20,120 --> 00:32:22,520
Speaker 1: saying my kind had been listed as stolen and stuff

666
00:32:22,560 --> 00:32:25,920
Speaker 1: like that. And then I had to I had to

667
00:32:25,960 --> 00:32:30,360
Speaker 1: do so many status like so many lines of the

668
00:32:30,480 --> 00:32:33,360
Speaker 1: JAP how frustrate. It really keeps you in my life

669
00:32:33,400 --> 00:32:35,560
Speaker 1: for a couple of weeks, and then just kind of

670
00:32:35,560 --> 00:32:39,280
Speaker 1: following up after the fact of everything was kind of uploaded.

671
00:32:39,600 --> 00:32:41,680
Speaker 1: It was. It was intense and not knowing whether that

672
00:32:41,840 --> 00:32:44,120
Speaker 1: debt would be wiped, like no one had given me

673
00:32:44,160 --> 00:32:47,880
Speaker 1: any inclination. They all made me feel everyone I spoke to,

674
00:32:48,040 --> 00:32:49,680
Speaker 1: I know they were just doing their job, but they

675
00:32:49,920 --> 00:32:53,360
Speaker 1: made me feel quite horrible, like it was my fault

676
00:32:53,400 --> 00:32:56,840
Speaker 1: and it was my debt and I had It was

677
00:32:56,920 --> 00:32:59,120
Speaker 1: really hard. I went through a couple of channels with

678
00:32:59,200 --> 00:33:03,120
Speaker 1: the because it had gone from the phone company to

679
00:33:03,280 --> 00:33:06,520
Speaker 1: a credit company to a debt collector, so there was

680
00:33:06,560 --> 00:33:08,680
Speaker 1: a couple of different channels I had to go through,

681
00:33:09,280 --> 00:33:11,760
Speaker 1: and obviously they didn't have my phone number, they didn't

682
00:33:11,760 --> 00:33:14,520
Speaker 1: have my correct address, nothing was coming to me. They

683
00:33:14,560 --> 00:33:16,720
Speaker 1: had an email account that looked like it could have

684
00:33:16,760 --> 00:33:19,720
Speaker 1: been me, So someone had made an email account with

685
00:33:19,800 --> 00:33:23,440
Speaker 1: my name with different numbers in it, and obviously I

686
00:33:23,440 --> 00:33:27,400
Speaker 1: didn't have access to that, so I wasn't getting any correspondence.

687
00:33:26,840 --> 00:33:28,880
Speaker 4: Like that's not really it's my phone number.

688
00:33:28,720 --> 00:33:31,080
Speaker 1: That's not my email. Yes, that's my birth date. But

689
00:33:31,200 --> 00:33:34,200
Speaker 1: they had four different documents like on them with my

690
00:33:34,240 --> 00:33:37,120
Speaker 1: birth date on it. They had, you know, sorry, it

691
00:33:37,160 --> 00:33:41,200
Speaker 1: was pretty frustrating to kind of try and get around

692
00:33:41,240 --> 00:33:43,120
Speaker 1: all of that. So I think it was a couple

693
00:33:43,160 --> 00:33:46,640
Speaker 1: months after I finally got there, we're wiping this debt

694
00:33:46,960 --> 00:33:50,240
Speaker 1: thank you email. So that was that was a bit

695
00:33:50,280 --> 00:33:52,400
Speaker 1: of a weight off my shoulders there.

696
00:33:52,600 --> 00:33:55,680
Speaker 4: Thank god. That's terrifying though, to have to go through

697
00:33:55,720 --> 00:33:58,320
Speaker 4: all of that, and imagine if you'd lost it and

698
00:33:58,400 --> 00:34:01,160
Speaker 4: not reported it, or you'd lost it and not gone

699
00:34:01,160 --> 00:34:04,480
Speaker 4: through all of those processes to prove it, you would

700
00:34:04,520 --> 00:34:05,600
Speaker 4: have been lumped with that.

701
00:34:05,800 --> 00:34:08,800
Speaker 1: Yeah, and I think it's a big it's a big

702
00:34:08,960 --> 00:34:11,520
Speaker 1: kind of wake up call to you know, maybe once

703
00:34:11,520 --> 00:34:13,920
Speaker 1: a year. Just check your credit Just check your credit report,

704
00:34:14,040 --> 00:34:17,040
Speaker 1: check check, just have a bit truly, just jump on,

705
00:34:17,400 --> 00:34:19,799
Speaker 1: log on, it's free, you get a free one. I

706
00:34:19,800 --> 00:34:21,680
Speaker 1: think it's every twelve months you can get a free

707
00:34:21,680 --> 00:34:25,560
Speaker 1: one or if anything changes, so it's true, So jump on.

708
00:34:25,880 --> 00:34:27,880
Speaker 4: And if you're not on top of that, like at

709
00:34:27,920 --> 00:34:29,640
Speaker 4: the same time, you might not be saving for a

710
00:34:29,680 --> 00:34:31,600
Speaker 4: house and you're like, I don't need debt, it doesn't matter.

711
00:34:31,680 --> 00:34:33,840
Speaker 4: But what if someone's got debt in your name? What

712
00:34:33,920 --> 00:34:35,480
Speaker 4: if it is something that you need to be on

713
00:34:35,560 --> 00:34:37,759
Speaker 4: top of and you've just left it for too long,

714
00:34:37,960 --> 00:34:40,799
Speaker 4: it can actually destroy your credit rating. But also you

715
00:34:40,880 --> 00:34:42,680
Speaker 4: might end up having to pay that because you've got

716
00:34:42,760 --> 00:34:45,360
Speaker 4: no way of proving it wasn't you. How awful is that.

717
00:34:45,800 --> 00:34:49,200
Speaker 4: It's like guilty until proven innocent instead of innocent until

718
00:34:49,239 --> 00:34:50,640
Speaker 4: proven guilty.

719
00:34:50,320 --> 00:34:52,560
Speaker 1: Which is really rough. And I was really lucky because

720
00:34:53,239 --> 00:34:55,919
Speaker 1: our mortgage is just in my in my partner's name.

721
00:34:56,280 --> 00:34:59,680
Speaker 1: But we were looking at buying another house this year,

722
00:35:00,120 --> 00:35:04,040
Speaker 1: and if I had not gone through that process earlier

723
00:35:04,040 --> 00:35:07,120
Speaker 1: this year and then we'd gone to apply for another

724
00:35:07,160 --> 00:35:09,799
Speaker 1: loan in joint names and this had come up, then

725
00:35:11,760 --> 00:35:13,480
Speaker 1: there was a house we wanted it would have been.

726
00:35:13,600 --> 00:35:15,400
Speaker 4: And they wouldn't have even said anything. They would have

727
00:35:15,440 --> 00:35:17,239
Speaker 4: just been straight declined. They wouldn't have spoken to you

728
00:35:17,280 --> 00:35:18,680
Speaker 4: about it. They would have just said, sorry, you can't

729
00:35:18,719 --> 00:35:20,160
Speaker 4: get the loan, and you would have been like.

730
00:35:20,800 --> 00:35:23,120
Speaker 1: Maybe we haven't saved enough, or maybe I don't earn enough,

731
00:35:23,200 --> 00:35:24,879
Speaker 1: like like that would have I wouldn't have ever thought

732
00:35:24,880 --> 00:35:28,120
Speaker 1: about it. So it's it was a blessing in disguise,

733
00:35:28,160 --> 00:35:30,880
Speaker 1: but it was also a very big hassle. So you

734
00:35:30,920 --> 00:35:34,480
Speaker 1: can avoid going through it, that'd be the best thing.

735
00:35:34,560 --> 00:35:37,040
Speaker 1: So it's always that, it's always that thought that it

736
00:35:37,040 --> 00:35:40,080
Speaker 1: won't happen to me, but it did happen to me,

737
00:35:41,400 --> 00:35:44,400
Speaker 1: and so unassumingly, and especially in the world that we

738
00:35:44,480 --> 00:35:47,160
Speaker 1: live in today with everything online and you put your

739
00:35:47,160 --> 00:35:50,400
Speaker 1: credit card details in every website to make your online

740
00:35:50,440 --> 00:35:54,120
Speaker 1: purchases and do all this, and you're uploading documents to left,

741
00:35:54,160 --> 00:35:56,880
Speaker 1: right and center because obviously we're in a very virtual

742
00:35:56,920 --> 00:35:59,680
Speaker 1: world at the moment. You can't you know, go into

743
00:35:59,680 --> 00:36:02,799
Speaker 1: place is and you know, even applying for jobs and

744
00:36:02,800 --> 00:36:07,280
Speaker 1: stuff like that. I'm uploading copies of passports and ideas.

745
00:36:07,320 --> 00:36:09,919
Speaker 4: And you do it every day, right, like you don't

746
00:36:09,960 --> 00:36:12,840
Speaker 4: it's not even a question. It's kind of like a given.

747
00:36:12,920 --> 00:36:16,080
Speaker 4: You have to do that to get through life. How

748
00:36:16,239 --> 00:36:19,200
Speaker 4: could I know that? Obviously, you can't avoid having it stolen.

749
00:36:19,480 --> 00:36:22,160
Speaker 4: Obviously a really big thing is don't leave your handbag

750
00:36:22,200 --> 00:36:25,919
Speaker 4: on the dnity in the car. But was there any

751
00:36:25,960 --> 00:36:28,640
Speaker 4: way you could have avoided any of this happening in

752
00:36:28,680 --> 00:36:29,440
Speaker 4: the first pl.

753
00:36:29,719 --> 00:36:34,600
Speaker 1: So I found out afterwards. So all of the if

754
00:36:34,600 --> 00:36:36,360
Speaker 1: I had to look at the dates on all of

755
00:36:36,400 --> 00:36:39,600
Speaker 1: the transactions and inquiries, they all happened within six months

756
00:36:39,600 --> 00:36:42,160
Speaker 1: of my handbag being stolen. I just didn't find out

757
00:36:42,160 --> 00:36:45,440
Speaker 1: about them until three years later. There's actually something you

758
00:36:45,480 --> 00:36:49,000
Speaker 1: can do to your credit where you can block any

759
00:36:49,080 --> 00:36:52,600
Speaker 1: kind of credit applications. You can't I think, Victoria, do

760
00:36:52,640 --> 00:36:54,920
Speaker 1: you know the days? How many days? I think it's

761
00:36:54,920 --> 00:36:56,600
Speaker 1: thirty days or ninety days.

762
00:36:56,719 --> 00:36:59,319
Speaker 4: I can't remember how many days it is. But you

763
00:36:59,320 --> 00:37:03,799
Speaker 4: can block so any credit inquiry is flagged and it

764
00:37:03,880 --> 00:37:06,920
Speaker 4: won't actually go through. So you kind of have blocked

765
00:37:06,920 --> 00:37:08,360
Speaker 4: it in the same way that you could block a

766
00:37:08,400 --> 00:37:12,319
Speaker 4: debit card. But it's interesting because people are like, oh,

767
00:37:12,360 --> 00:37:14,439
Speaker 4: you can't do that. They'll go to any bank. Yes,

768
00:37:14,480 --> 00:37:16,600
Speaker 4: but it's all the same credit report. So if you

769
00:37:16,640 --> 00:37:19,080
Speaker 4: block your credit report, it doesn't matter if they were

770
00:37:19,120 --> 00:37:21,520
Speaker 4: going for Westpac or A and Z or you know,

771
00:37:21,640 --> 00:37:25,040
Speaker 4: a bank randomly regionally, they just wouldn't be able to

772
00:37:25,040 --> 00:37:27,200
Speaker 4: get the credit and it would be bounced back. Not

773
00:37:27,320 --> 00:37:29,120
Speaker 4: only would it be bounced back, but it would be

774
00:37:29,160 --> 00:37:33,680
Speaker 4: flagged as fraudulent, which is genius. But nobody knows that, right.

775
00:37:34,760 --> 00:37:38,480
Speaker 1: Nobody told me either, So nobody told me.

776
00:37:38,480 --> 00:37:40,479
Speaker 3: I feel like that's on your bank a little bit. Yeah,

777
00:37:40,520 --> 00:37:41,560
Speaker 3: I mean to have.

778
00:37:41,719 --> 00:37:43,479
Speaker 4: It should have been a part of that process because

779
00:37:43,560 --> 00:37:45,080
Speaker 4: you contacted them, right.

780
00:37:45,120 --> 00:37:47,680
Speaker 3: You did all the right things. Surely someone out there

781
00:37:47,680 --> 00:37:49,960
Speaker 3: should have said to you, hey, like, here's how you

782
00:37:50,000 --> 00:37:53,920
Speaker 3: put yourself in the bees to project your identity, because

783
00:37:54,280 --> 00:37:57,680
Speaker 3: if someone steals that bank card, I mean, you're blocking

784
00:37:57,719 --> 00:38:00,239
Speaker 3: the card so they can't take your money. But if

785
00:38:00,239 --> 00:38:02,839
Speaker 3: they're prepared to do that, it's highly probable that they're

786
00:38:02,880 --> 00:38:04,440
Speaker 3: prepared to do all of these other things.

787
00:38:04,520 --> 00:38:07,640
Speaker 1: Right, Yeah, and it was I got. I got quite

788
00:38:07,640 --> 00:38:09,960
Speaker 1: frustrated when I was going through all of this because

789
00:38:10,000 --> 00:38:12,400
Speaker 1: my my bank I was with, I was with a

790
00:38:12,440 --> 00:38:14,680
Speaker 1: bank at the time I went into them. I did

791
00:38:14,719 --> 00:38:16,480
Speaker 1: the whole blocking thing. That was all good. I got

792
00:38:16,480 --> 00:38:18,600
Speaker 1: a new debit card, still kept my accounts with them.

793
00:38:18,680 --> 00:38:20,440
Speaker 1: They were actually one of the accounts that had a

794
00:38:20,480 --> 00:38:24,280
Speaker 1: credit inquiry on them. Oh no, what And I looked

795
00:38:24,280 --> 00:38:27,200
Speaker 1: into it. I spoke with a really lovely guy on

796
00:38:27,239 --> 00:38:28,719
Speaker 1: the phone, and he was able to give me all

797
00:38:28,760 --> 00:38:31,640
Speaker 1: the details that this person used to apply for the

798
00:38:31,880 --> 00:38:35,640
Speaker 1: credit card, an email account that definitely did not match

799
00:38:35,640 --> 00:38:36,360
Speaker 1: my email account.

800
00:38:36,400 --> 00:38:39,440
Speaker 4: And they didn't even I was a customer.

801
00:38:39,600 --> 00:38:41,759
Speaker 1: I was a customer with them. They had I was

802
00:38:41,800 --> 00:38:44,040
Speaker 1: getting my you know, bank statements in the mail. I

803
00:38:44,080 --> 00:38:46,440
Speaker 1: had my address, they had my parents address where I

804
00:38:46,560 --> 00:38:50,239
Speaker 1: used to live, Like this address did not match anything.

805
00:38:51,440 --> 00:38:54,480
Speaker 1: The email address was some completely other female name, like

806
00:38:54,680 --> 00:38:58,719
Speaker 1: not even close to my name. Their phone number wasn't

807
00:38:58,719 --> 00:39:02,279
Speaker 1: the mine. So and like so my employer on my

808
00:39:02,320 --> 00:39:06,440
Speaker 1: credit report. I'd never worked for them before, because someone's

809
00:39:06,440 --> 00:39:09,759
Speaker 1: applied for this, you know, these credit cards and put

810
00:39:09,880 --> 00:39:12,440
Speaker 1: their employer or something like that on there, and now

811
00:39:12,480 --> 00:39:15,200
Speaker 1: it's on my credit history that I've worked that that

812
00:39:15,280 --> 00:39:17,520
Speaker 1: was my employer when it was never the case. So

813
00:39:17,719 --> 00:39:19,919
Speaker 1: I was very frustrated in that system and the fact

814
00:39:19,960 --> 00:39:21,400
Speaker 1: that I was a customer with them.

815
00:39:21,520 --> 00:39:24,640
Speaker 4: Didn't feel protected, he didn't feel supported, like you would

816
00:39:24,680 --> 00:39:26,799
Speaker 4: have thought that if you were a customer of that bank,

817
00:39:26,840 --> 00:39:28,680
Speaker 4: at least they couldn't get it at that bank, right

818
00:39:28,719 --> 00:39:30,600
Speaker 4: because they'd know they'd look after it.

819
00:39:30,719 --> 00:39:33,080
Speaker 1: Or they would have told me, like send me an email,

820
00:39:33,280 --> 00:39:36,239
Speaker 1: or your name has been used. You're like, you know

821
00:39:36,320 --> 00:39:38,839
Speaker 1: your license has been used to apply for this loan?

822
00:39:39,160 --> 00:39:40,480
Speaker 1: Is it you?

823
00:39:40,520 --> 00:39:42,279
Speaker 4: No, it's not me.

824
00:39:42,600 --> 00:39:44,360
Speaker 3: It's safe to say that you're not a customer at

825
00:39:44,400 --> 00:39:44,719
Speaker 3: that bank.

826
00:39:47,360 --> 00:39:50,160
Speaker 4: Who would have guessed? So talk to me about that

827
00:39:50,280 --> 00:39:52,759
Speaker 4: process of finding out. So you found out that it

828
00:39:52,840 --> 00:39:56,200
Speaker 4: wasn't you, you reported it to the police. Did that

829
00:39:56,239 --> 00:39:58,400
Speaker 4: person get caught? Have they been followed up?

830
00:39:58,480 --> 00:39:58,560
Speaker 3: Like?

831
00:39:58,600 --> 00:39:59,799
Speaker 4: Do we know who did this?

832
00:40:00,520 --> 00:40:04,040
Speaker 1: I actually so. After I found out about the credit reporting,

833
00:40:04,120 --> 00:40:08,520
Speaker 1: I made another report. The name of it will go

834
00:40:08,560 --> 00:40:10,359
Speaker 1: over my head at the moment, but there's another there's

835
00:40:10,360 --> 00:40:14,600
Speaker 1: an online like cybercrime reporting thing. I did as well,

836
00:40:14,960 --> 00:40:17,080
Speaker 1: and I was followed up by my local police station,

837
00:40:17,520 --> 00:40:21,520
Speaker 1: and the officer who was investigating it, she said she

838
00:40:21,600 --> 00:40:24,040
Speaker 1: had some kind of lead asked me to give a statement.

839
00:40:24,080 --> 00:40:28,160
Speaker 1: So I did give quite a lengthy statement all of

840
00:40:28,200 --> 00:40:30,440
Speaker 1: the I'm quite a record keeper myself.

841
00:40:30,440 --> 00:40:34,600
Speaker 4: You sound very I'm not gonna lie. You're very organized.

842
00:40:34,640 --> 00:40:36,400
Speaker 1: I love it. Yes, I had all of the details.

843
00:40:36,400 --> 00:40:38,640
Speaker 1: I had all the police report numbers. I had pretty

844
00:40:38,719 --> 00:40:41,399
Speaker 1: much like a play by play of what happened back

845
00:40:41,440 --> 00:40:44,680
Speaker 1: in twenty eighteen. It was, and I was able to

846
00:40:44,680 --> 00:40:46,480
Speaker 1: provide them all the information. So I haven't had any

847
00:40:46,480 --> 00:40:49,719
Speaker 1: follow up unfortunately. But yeah, that even just the name

848
00:40:49,760 --> 00:40:51,799
Speaker 1: of the person from it that I got from that

849
00:40:52,400 --> 00:40:55,920
Speaker 1: the bank they told me. So yeah, like fingers crossed,

850
00:40:56,000 --> 00:40:58,759
Speaker 1: how discussed at the end of the day. My mum

851
00:40:58,800 --> 00:41:02,719
Speaker 1: works in Lauren Loossman as well, and she said, unfortunately,

852
00:41:02,880 --> 00:41:05,400
Speaker 1: at the end of the day, like that's criminal activity,

853
00:41:05,520 --> 00:41:09,479
Speaker 1: that's that's planned, that's targeted. That's not just someone being

854
00:41:09,520 --> 00:41:12,440
Speaker 1: a little bit cheeky, that's actually someone being real nasty.

855
00:41:12,920 --> 00:41:15,200
Speaker 1: And nine times out of ten they get away with

856
00:41:15,280 --> 00:41:19,120
Speaker 1: it because of the way it works in terms of

857
00:41:19,520 --> 00:41:22,000
Speaker 1: you can't really prove who's made that application if it's

858
00:41:22,040 --> 00:41:26,160
Speaker 1: your name and your photo on it. So yeah, unfortunately,

859
00:41:26,280 --> 00:41:28,719
Speaker 1: So I think prevention is better than a cure in

860
00:41:28,760 --> 00:41:30,680
Speaker 1: the case of identity frauds.

861
00:41:30,719 --> 00:41:34,480
Speaker 4: So yeah, that is horrendous, And I'm glad you're talking

862
00:41:34,520 --> 00:41:36,880
Speaker 4: about it with us, because they think so many people

863
00:41:36,960 --> 00:41:39,200
Speaker 4: would go, oh, I lost my wallet on an eight

864
00:41:39,280 --> 00:41:42,000
Speaker 4: out and yes, you lost a lot more so I

865
00:41:42,040 --> 00:41:44,239
Speaker 4: guess they were able to do more. But you don't

866
00:41:44,239 --> 00:41:47,640
Speaker 4: actually need someone's entire handbag to take their ID. You

867
00:41:47,760 --> 00:41:48,840
Speaker 4: just need a few things.

868
00:41:49,239 --> 00:41:51,399
Speaker 1: Yeah, And I have no idea if they even use

869
00:41:51,480 --> 00:41:54,080
Speaker 1: the pace lips that were in there, Like, I don't

870
00:41:54,120 --> 00:41:56,520
Speaker 1: know what they've actually needed to get this, but it

871
00:41:56,560 --> 00:41:58,640
Speaker 1: was a phone, So I don't know what they've needed

872
00:41:58,680 --> 00:42:00,719
Speaker 1: to get this phone. But I don't, like I've never

873
00:42:00,760 --> 00:42:03,400
Speaker 1: applied for a phone myself, I don't really know. But

874
00:42:03,800 --> 00:42:07,040
Speaker 1: like a name and a date of birth and a license.

875
00:42:06,760 --> 00:42:08,160
Speaker 3: Like it's actually not that hard.

876
00:42:08,480 --> 00:42:11,080
Speaker 1: Yeah, and it's all online these days, they ask for

877
00:42:11,239 --> 00:42:11,880
Speaker 1: all online.

878
00:42:12,040 --> 00:42:15,319
Speaker 4: Yeah, and that's what's so heartbreaking about it. And you know,

879
00:42:15,400 --> 00:42:17,440
Speaker 4: when you go out on a night out, you actually

880
00:42:17,440 --> 00:42:19,520
Speaker 4: have to take your ID to get in anywhere. You

881
00:42:19,640 --> 00:42:21,239
Speaker 4: have to take a bank card because you're going to

882
00:42:21,320 --> 00:42:23,160
Speaker 4: pay for some things. So I think we just need

883
00:42:23,200 --> 00:42:26,319
Speaker 4: to be super vigilant about carrying our stuff around because

884
00:42:26,320 --> 00:42:28,319
Speaker 4: even if you leave it in a bar or you know,

885
00:42:28,640 --> 00:42:32,040
Speaker 4: on the bathroom stall, like I know a million people

886
00:42:32,080 --> 00:42:34,680
Speaker 4: who have lost their wallets, and thankfully most times it

887
00:42:34,719 --> 00:42:36,920
Speaker 4: works out fine. You just cancel your card, work it

888
00:42:36,960 --> 00:42:39,440
Speaker 4: all out. Maybe it'll turn up again. Your wallet might

889
00:42:39,440 --> 00:42:40,920
Speaker 4: turn up and might just not have the cash in it,

890
00:42:40,960 --> 00:42:44,640
Speaker 4: and that's all right, but sinister things can happen, and

891
00:42:44,680 --> 00:42:47,600
Speaker 4: there are people out there who do plan to do this,

892
00:42:47,719 --> 00:42:50,719
Speaker 4: and as you learned Money Direst they've planned it, they

893
00:42:51,000 --> 00:42:53,799
Speaker 4: use that window, they got it, and they have been

894
00:42:53,840 --> 00:42:55,839
Speaker 4: able to do a lot with it. But I've heard

895
00:42:55,880 --> 00:42:59,600
Speaker 4: of situations as well where people have had mortgages taken out,

896
00:42:59,680 --> 00:43:02,440
Speaker 4: they have had massive personal loans taken out, and I mean,

897
00:43:02,719 --> 00:43:04,560
Speaker 4: there's a whole business in it, isn't there.

898
00:43:05,120 --> 00:43:07,960
Speaker 1: I'm really fortunate that it was just that one line

899
00:43:08,000 --> 00:43:10,759
Speaker 1: of credit that I had to deal with because it

900
00:43:10,840 --> 00:43:14,359
Speaker 1: was as simple. I wouldn't call it simple, but it

901
00:43:14,400 --> 00:43:16,560
Speaker 1: was just one I had to clear. I'd probably still

902
00:43:16,560 --> 00:43:20,239
Speaker 1: be going if there was more than one. Yeah, So yeah,

903
00:43:20,560 --> 00:43:23,239
Speaker 1: I'm fortunate in a fact that it's been a wake

904
00:43:23,320 --> 00:43:24,759
Speaker 1: up call and I was able to get rid of it.

905
00:43:24,800 --> 00:43:27,000
Speaker 1: But I know some people aren't as lucky and do

906
00:43:27,239 --> 00:43:28,320
Speaker 1: end up with those debts.

907
00:43:28,480 --> 00:43:33,280
Speaker 3: So yeah, Well, thank you for raising awareness and sharing

908
00:43:33,280 --> 00:43:36,239
Speaker 3: your story with us in our community, because yeah, as

909
00:43:36,239 --> 00:43:38,000
Speaker 3: you say, it's one of those things that you always

910
00:43:38,040 --> 00:43:39,560
Speaker 3: think that it's going to be someone else. You never

911
00:43:39,600 --> 00:43:41,000
Speaker 3: think that it's going to be you. But it just

912
00:43:41,080 --> 00:43:43,680
Speaker 3: goes to show how easy it is. And we're so

913
00:43:43,760 --> 00:43:46,800
Speaker 3: happy that you know, as hard as it was for

914
00:43:46,840 --> 00:43:48,640
Speaker 3: you at that time, that you're able to bounce back

915
00:43:48,640 --> 00:43:50,920
Speaker 3: and hopefully you can get that second property that you're

916
00:43:50,920 --> 00:43:56,000
Speaker 3: saving for, and that everything works out and people will yes.

917
00:43:56,200 --> 00:43:58,120
Speaker 3: I mean, look the way you're going, I can't see

918
00:43:58,120 --> 00:43:59,600
Speaker 3: how I could say no call.

919
00:43:59,480 --> 00:44:02,640
Speaker 4: To action for everybody listening, though, friends, check your credit

920
00:44:02,640 --> 00:44:05,600
Speaker 4: score every single year. If you lose your wallet, don't

921
00:44:05,640 --> 00:44:09,080
Speaker 4: just cancel your cards. Put a block on your credit

922
00:44:09,239 --> 00:44:12,440
Speaker 4: history to make sure that people can't apply for credit.

923
00:44:12,520 --> 00:44:14,600
Speaker 4: It is not hard to do. Quickly google it. But

924
00:44:14,640 --> 00:44:16,520
Speaker 4: we'll also make sure that there are links in the

925
00:44:16,560 --> 00:44:18,840
Speaker 4: show notes this week so that you can click through.

926
00:44:19,080 --> 00:44:21,480
Speaker 4: And we'll obviously follow up with some more content over

927
00:44:21,520 --> 00:44:23,880
Speaker 4: the next month or so of maybe a blog post

928
00:44:23,920 --> 00:44:26,400
Speaker 4: of what to do when you've lost your wallet, because

929
00:44:26,400 --> 00:44:28,760
Speaker 4: I think that people just don't think it's as serious

930
00:44:28,800 --> 00:44:31,960
Speaker 4: as it is. And that's really nice, because I think

931
00:44:31,960 --> 00:44:35,560
Speaker 4: people just assume that everybody's super kind, but that's not

932
00:44:35,680 --> 00:44:38,719
Speaker 4: the case, and not everybody is but money. Rice, thank

933
00:44:38,760 --> 00:44:41,120
Speaker 4: you so much for joining us. I am so grateful

934
00:44:41,160 --> 00:44:44,040
Speaker 4: for you sharing this with our community. As always, I

935
00:44:44,080 --> 00:44:46,240
Speaker 4: do think that is all we have time for today.

936
00:44:46,400 --> 00:44:48,920
Speaker 4: But just before we head off, we'd like to acknowledge

937
00:44:49,080 --> 00:44:53,120
Speaker 4: and pay respect to Australia's Aboriginal and Torres Straight Islander people's.

938
00:44:53,360 --> 00:44:56,680
Speaker 4: They're the traditional custodians of the lands, the waterways and

939
00:44:56,719 --> 00:45:00,160
Speaker 4: the skies all across Australia. We thank you for shar

940
00:45:00,320 --> 00:45:02,279
Speaker 4: and for caring for the land on which we are

941
00:45:02,320 --> 00:45:05,120
Speaker 4: able to learn. We pay a respect to elders past

942
00:45:05,239 --> 00:45:08,160
Speaker 4: and present, and we share our friendship and our kindness.

943
00:45:08,400 --> 00:45:10,840
Speaker 3: The advice sheared on shees on the money is generally

944
00:45:10,920 --> 00:45:14,480
Speaker 3: nature and does not consider your individual circumstances. Shees on

945
00:45:14,520 --> 00:45:17,319
Speaker 3: the money exists purely for educational purposes and should not

946
00:45:17,360 --> 00:45:20,320
Speaker 3: be relied upon to make an investment or a financial decision.

947
00:45:20,760 --> 00:45:24,120
Speaker 3: And we promise Victoria Divine is an authorized representative of

948
00:45:24,239 --> 00:45:28,600
Speaker 3: Australia Pacific Funds Management Proprietary Limited ABM three four one

949
00:45:28,640 --> 00:45:31,560
Speaker 3: three two four six three two five seven AFSL three

950
00:45:31,640 --> 00:45:32,719
Speaker 3: three nine one five one.

951
00:45:33,400 --> 00:45:44,680
Speaker 4: See you next week, guys,