1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:37,120 Speaker 2: Let's get into it. She's on the Money. She's on 11 00:00:37,159 --> 00:00:39,000 Speaker 2: the Money. 12 00:00:57,720 --> 00:01:00,800 Speaker 3: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,800 --> 00:01:04,639 Speaker 3: for millennials who want financial freedom. Welcome back to another 14 00:01:04,680 --> 00:01:07,520 Speaker 3: one of our money diaries where I get the absolute 15 00:01:07,600 --> 00:01:10,399 Speaker 3: privilege of talking to one of our incredible She's on 16 00:01:10,440 --> 00:01:13,959 Speaker 3: the Money community members all about their journey. Let's jump 17 00:01:14,000 --> 00:01:17,000 Speaker 3: straight into it, because this week I got a message. 18 00:01:16,640 --> 00:01:19,400 Speaker 2: And it sounded like this, Hi V. 19 00:01:19,920 --> 00:01:22,640 Speaker 3: I have a weird relationship and concept of money that 20 00:01:22,760 --> 00:01:26,320 Speaker 3: is rooted in my religious upbringing and beliefs growing up 21 00:01:26,319 --> 00:01:29,120 Speaker 3: in the Philippines. We didn't have to worry about money, 22 00:01:29,400 --> 00:01:32,440 Speaker 3: and since moving here four years ago, I'm struggling to 23 00:01:32,520 --> 00:01:35,959 Speaker 3: adapt to the culture and attitude around money in Australia. 24 00:01:36,640 --> 00:01:39,640 Speaker 3: Even though I earn a living wage and I'm trying 25 00:01:39,680 --> 00:01:43,959 Speaker 3: to adjust, I can't make the mental switch money, darist, 26 00:01:44,480 --> 00:01:46,600 Speaker 3: Welcome to the show. I feel like this will be 27 00:01:46,640 --> 00:01:48,640 Speaker 3: a really interesting diary to share. 28 00:01:49,000 --> 00:01:52,360 Speaker 2: Oh I hope, so I know it will be. Let's 29 00:01:52,360 --> 00:01:53,680 Speaker 2: start where I always do. 30 00:01:54,320 --> 00:01:56,600 Speaker 3: What grade would you give your money habits if I 31 00:01:56,640 --> 00:01:59,200 Speaker 3: asked you to give them a grade? I, she liked, 32 00:01:59,440 --> 00:02:03,960 Speaker 3: I stare somewhere in C minus oh minus. 33 00:02:04,400 --> 00:02:05,680 Speaker 2: Let's learn more about that. 34 00:02:05,960 --> 00:02:09,720 Speaker 3: My favorite question is money, dires. Let's jump straight in. 35 00:02:10,280 --> 00:02:12,560 Speaker 2: Tell me a bit more about your money story. 36 00:02:12,880 --> 00:02:16,800 Speaker 4: My attitude towards money is very peculiar in a sense 37 00:02:16,880 --> 00:02:21,120 Speaker 4: that it stems from religious beliefs. But at the same time, 38 00:02:22,240 --> 00:02:26,679 Speaker 4: I'm trying to adapt in the current society where it's 39 00:02:26,800 --> 00:02:33,040 Speaker 4: at the peak of its contramerism and capitalism. So like, 40 00:02:33,160 --> 00:02:37,840 Speaker 4: growing up, my parents never discussed money, so they've basically 41 00:02:38,720 --> 00:02:42,120 Speaker 4: taken on the full responsibility of meeting the needs for 42 00:02:42,240 --> 00:02:47,880 Speaker 4: the family. However, in the same vein because they never 43 00:02:47,919 --> 00:02:52,440 Speaker 4: discussed money with us, we also never saw them struggle 44 00:02:52,720 --> 00:02:53,280 Speaker 4: for money. 45 00:02:54,120 --> 00:02:55,320 Speaker 2: Yeah, okay, so. 46 00:02:55,919 --> 00:03:00,680 Speaker 4: We always go back to our religious beliefs. Basically everything 47 00:03:00,720 --> 00:03:05,160 Speaker 4: will be provided for. We don't have to worry anything 48 00:03:05,320 --> 00:03:09,600 Speaker 4: because that's already been answered for, Like it's already there, 49 00:03:09,680 --> 00:03:11,560 Speaker 4: but we just don't see it. We just have to 50 00:03:11,600 --> 00:03:18,680 Speaker 4: wait for it. So it's a peculiar situation for someone 51 00:03:18,760 --> 00:03:22,280 Speaker 4: like me as a millennial, where everyone sort of knows 52 00:03:22,400 --> 00:03:26,640 Speaker 4: where they stand with money, Like it's either they struggle 53 00:03:26,800 --> 00:03:32,680 Speaker 4: because of their current financial situation. But in my case, 54 00:03:32,880 --> 00:03:36,160 Speaker 4: I'm not really struggling, Like I have a good wage, 55 00:03:36,280 --> 00:03:39,920 Speaker 4: like I have a good income and I know what 56 00:03:40,640 --> 00:03:44,920 Speaker 4: my income is able to purchase. But also it's like 57 00:03:45,320 --> 00:03:47,520 Speaker 4: I don't want to be obsessed with money as well, 58 00:03:47,800 --> 00:03:50,880 Speaker 4: but I know that I have to look after for 59 00:03:51,000 --> 00:03:55,680 Speaker 4: my future rather than just work work and not really 60 00:03:55,800 --> 00:03:58,200 Speaker 4: putting that money into work itself. 61 00:03:58,720 --> 00:04:01,400 Speaker 3: Yeah, I would like to know more about this religious 62 00:04:01,400 --> 00:04:03,480 Speaker 3: side of things. But I've met a lot of people 63 00:04:04,080 --> 00:04:07,160 Speaker 3: when I was working as a financial advisor who were 64 00:04:07,320 --> 00:04:12,200 Speaker 3: tackling I guess wealth creation for the first time because historically, 65 00:04:12,280 --> 00:04:15,200 Speaker 3: like their parents didn't really talk about that or do 66 00:04:15,360 --> 00:04:17,800 Speaker 3: any of that, kind of like they weren't investing because 67 00:04:18,120 --> 00:04:20,600 Speaker 3: if they were, you know, had a roof over their 68 00:04:20,600 --> 00:04:22,800 Speaker 3: head and food on the table and were grateful for 69 00:04:22,880 --> 00:04:24,919 Speaker 3: what they had, like that was exactly what you lived 70 00:04:24,920 --> 00:04:27,919 Speaker 3: life for, right, So tell me more about this. I 71 00:04:27,920 --> 00:04:30,359 Speaker 3: guess religious side of things one because I'm hervy, but 72 00:04:30,440 --> 00:04:32,600 Speaker 3: I think that a lot of people will resonate with this. 73 00:04:32,720 --> 00:04:36,160 Speaker 3: Let's be honest, but like, what type of religion was this? 74 00:04:36,320 --> 00:04:39,080 Speaker 3: Was this something that you still adhere to or is 75 00:04:39,120 --> 00:04:41,800 Speaker 3: this like your parents and you have differing values, Like 76 00:04:41,839 --> 00:04:44,200 Speaker 3: I'd love to know as much as you're comfortable sharing. 77 00:04:44,360 --> 00:04:49,520 Speaker 4: Yeah, my family was, or actually still is Christian, So 78 00:04:50,120 --> 00:04:54,280 Speaker 4: they're more of like Baptists in a sense, like Southern 79 00:04:54,360 --> 00:04:59,520 Speaker 4: American type of Baptists were very traditional in our way 80 00:04:59,560 --> 00:05:04,520 Speaker 4: of beliefs. So I grew up. I went to primary school, 81 00:05:05,279 --> 00:05:09,520 Speaker 4: and we can't wear nail polishes because apparently that makes 82 00:05:09,560 --> 00:05:11,520 Speaker 4: you like a prostitute or something. 83 00:05:11,800 --> 00:05:14,160 Speaker 2: Oh, very dramatic, but yes, I get it. 84 00:05:14,360 --> 00:05:17,559 Speaker 4: Yes, So and then we were taught like we can't 85 00:05:17,560 --> 00:05:20,359 Speaker 4: go to the cinemas because bad people go to the 86 00:05:20,400 --> 00:05:23,200 Speaker 4: cinemas or things like that. Like there's a bit of 87 00:05:23,200 --> 00:05:28,720 Speaker 4: a confusion or like radicalism in some of the teachings 88 00:05:28,720 --> 00:05:33,680 Speaker 4: but eventually we were able to sort of reconcile and 89 00:05:33,720 --> 00:05:38,520 Speaker 4: decide for ourselves what we think is acceptable in terms 90 00:05:38,520 --> 00:05:43,080 Speaker 4: of our religion and basically just sort of separated from 91 00:05:43,120 --> 00:05:46,680 Speaker 4: that type of thinking in terms of the financial side. 92 00:05:46,720 --> 00:05:50,760 Speaker 4: The religious aspect of it is that, first of all, 93 00:05:50,960 --> 00:05:55,640 Speaker 4: we believe that God provides for everything, right, so even 94 00:05:55,680 --> 00:05:58,680 Speaker 4: before you ask for it, it's already there, so it's 95 00:05:58,720 --> 00:06:04,200 Speaker 4: already answered for. And second of all, getting obsessed with 96 00:06:04,279 --> 00:06:09,080 Speaker 4: money is evil. So if you are so hung up 97 00:06:09,400 --> 00:06:14,279 Speaker 4: with money, like you're so money hungry, that it becomes 98 00:06:14,400 --> 00:06:19,120 Speaker 4: now sort of a worship to money itself, which is 99 00:06:20,120 --> 00:06:21,240 Speaker 4: very frowned upon. 100 00:06:21,480 --> 00:06:23,520 Speaker 2: Which is very toxic in that culture. 101 00:06:23,640 --> 00:06:23,800 Speaker 4: Right. 102 00:06:23,880 --> 00:06:25,720 Speaker 2: Yeah, it's not seen as being a good thing. It's 103 00:06:25,720 --> 00:06:27,200 Speaker 2: seen as being very negative. 104 00:06:27,320 --> 00:06:32,800 Speaker 4: Yeah. So that is why I never saw my parents struggle. 105 00:06:33,240 --> 00:06:37,599 Speaker 4: They're always like, we can't do that, We'll just have 106 00:06:37,720 --> 00:06:41,720 Speaker 4: to wait. Look, my parents were not like just waiting 107 00:06:41,760 --> 00:06:44,919 Speaker 4: for dollouts or something. My parents had good jobs. 108 00:06:45,160 --> 00:06:47,920 Speaker 2: Yeah, it's just the thought pattern behind it. 109 00:06:47,960 --> 00:06:50,560 Speaker 4: And then we also had to I don't know if 110 00:06:50,600 --> 00:06:53,800 Speaker 4: you've heard of this, but some of us give ten 111 00:06:53,839 --> 00:06:57,880 Speaker 4: percent of our gross Yeah, the tithe, Yeah, the tithe. 112 00:06:58,360 --> 00:07:02,359 Speaker 4: So I practiced that even when I was just receiving 113 00:07:02,520 --> 00:07:03,400 Speaker 4: school allowance. 114 00:07:03,640 --> 00:07:05,479 Speaker 2: Wow, which didn't. 115 00:07:05,200 --> 00:07:09,520 Speaker 4: Really amount to anything, but it was the practice. Yeah. 116 00:07:09,720 --> 00:07:13,760 Speaker 4: I wasn't pressured into it, but you feel that certain guilt. 117 00:07:13,880 --> 00:07:16,440 Speaker 4: Well actually you would say that it's pressure, but because 118 00:07:16,480 --> 00:07:19,560 Speaker 4: you have that guilt to comply, but you sort of 119 00:07:19,720 --> 00:07:22,680 Speaker 4: have this thinking that, oh, I want to give because 120 00:07:23,400 --> 00:07:26,200 Speaker 4: God loveth a cheerful giver, something like that. 121 00:07:26,520 --> 00:07:30,320 Speaker 3: Yeah, is this something that now you're obviously an adult 122 00:07:30,360 --> 00:07:31,920 Speaker 3: you live in Australia, do. 123 00:07:31,920 --> 00:07:33,240 Speaker 2: You still see it that way? 124 00:07:33,320 --> 00:07:33,400 Speaker 4: Like? 125 00:07:33,480 --> 00:07:35,680 Speaker 2: Are you still paying a tithe that you like? 126 00:07:35,840 --> 00:07:39,120 Speaker 3: Looking your parents going Wow, it looks like we didn't 127 00:07:39,160 --> 00:07:41,480 Speaker 3: have to worry about money growing up, and now in hindsight, 128 00:07:41,560 --> 00:07:44,680 Speaker 3: maybe we did. Like I guess, have you had your 129 00:07:44,720 --> 00:07:47,000 Speaker 3: blinkers taken off now that you're an adult? 130 00:07:47,360 --> 00:07:50,160 Speaker 4: I would say, so, it's just that my parents were 131 00:07:50,320 --> 00:07:54,640 Speaker 4: really really good at hiding it. Yeah. I remember there 132 00:07:54,760 --> 00:07:57,840 Speaker 4: was a time that I had to pay for something 133 00:07:57,880 --> 00:08:03,120 Speaker 4: at school and my dad basically had to He is 134 00:08:03,160 --> 00:08:06,280 Speaker 4: a lawyer, so what he did was he actually had 135 00:08:06,280 --> 00:08:09,520 Speaker 4: to produce a physical output so he can build a 136 00:08:09,520 --> 00:08:13,680 Speaker 4: client and that earning is allocated for that school need 137 00:08:13,800 --> 00:08:19,560 Speaker 4: or school activity. So now that I'm basically an adult, 138 00:08:20,480 --> 00:08:22,960 Speaker 4: I think I hope you are. 139 00:08:25,600 --> 00:08:26,520 Speaker 2: Now I sort of. 140 00:08:27,960 --> 00:08:32,319 Speaker 4: Know in a different sense, like pay the mortgage, pay electricity, 141 00:08:32,480 --> 00:08:37,560 Speaker 4: pay water. And back then I was just like, oh, 142 00:08:37,679 --> 00:08:40,880 Speaker 4: let's have the air conditioner on for a whole day 143 00:08:41,280 --> 00:08:43,120 Speaker 4: and nobody cares. 144 00:08:43,440 --> 00:08:46,240 Speaker 2: You didn't understand that that meant money, right. 145 00:08:46,200 --> 00:08:49,720 Speaker 4: Yeah, we had to pay electricity, But I didn't know 146 00:08:49,920 --> 00:08:55,800 Speaker 4: the implications of turning on the air conditioner for like 147 00:08:55,880 --> 00:08:56,920 Speaker 4: six hours straight. 148 00:08:57,200 --> 00:09:00,360 Speaker 3: Yeah, which now as an adult, I'm away is like, 149 00:09:00,520 --> 00:09:01,240 Speaker 3: is the air cone on? 150 00:09:01,440 --> 00:09:03,160 Speaker 2: It's fine in here, let's turn it off. 151 00:09:04,440 --> 00:09:06,840 Speaker 4: Now it's just like, okay, maybe I can turn it 152 00:09:06,880 --> 00:09:10,360 Speaker 4: on for like thirty minutes just to get rid of 153 00:09:10,400 --> 00:09:15,640 Speaker 4: the heat inside this apartment and that's it. And now 154 00:09:16,400 --> 00:09:22,200 Speaker 4: as an adult, I still do tithes, but that tithes 155 00:09:22,840 --> 00:09:26,440 Speaker 4: goes into a savings account. 156 00:09:26,840 --> 00:09:29,079 Speaker 2: It's for you, and it earns. 157 00:09:29,160 --> 00:09:32,440 Speaker 4: So I don't know how to feel about that, Like, 158 00:09:32,559 --> 00:09:35,679 Speaker 4: do I also like when the time comes that I 159 00:09:35,760 --> 00:09:38,839 Speaker 4: actually need to give the money to the trish, Do 160 00:09:38,960 --> 00:09:43,920 Speaker 4: I also include the interest accrued on that saving. 161 00:09:43,920 --> 00:09:47,480 Speaker 2: No, I feel like that's your money working for you. 162 00:09:49,200 --> 00:09:52,640 Speaker 4: So now I'm like, there's nothing in the Bible talking 163 00:09:52,720 --> 00:09:57,120 Speaker 4: about interest, you know, like do I also have to 164 00:09:57,200 --> 00:09:57,959 Speaker 4: pay interest? 165 00:09:58,840 --> 00:10:03,320 Speaker 3: It's an interesting because I think that up until you know, 166 00:10:03,400 --> 00:10:06,480 Speaker 3: not now, but up until more recently, I eat the 167 00:10:06,520 --> 00:10:09,640 Speaker 3: last couple of hundred of years, we are now talking 168 00:10:09,679 --> 00:10:12,800 Speaker 3: about investing and putting ourselves forward, and a lot of 169 00:10:12,840 --> 00:10:16,680 Speaker 3: those things they really conflict with the teachings that are 170 00:10:16,800 --> 00:10:17,480 Speaker 3: in the Bible. 171 00:10:17,760 --> 00:10:21,040 Speaker 2: And are you know what hold down a lot. 172 00:10:20,880 --> 00:10:24,280 Speaker 3: Of religious beliefs right, Like it's always about giving back, 173 00:10:24,280 --> 00:10:25,559 Speaker 3: and it's always about community. 174 00:10:25,800 --> 00:10:28,559 Speaker 2: And I know lots of churches they type. 175 00:10:28,960 --> 00:10:31,760 Speaker 3: I'm not the biggest fan of tything purely because I 176 00:10:31,880 --> 00:10:34,160 Speaker 3: know how much money the churches have and they don't 177 00:10:34,240 --> 00:10:38,920 Speaker 3: need it in this economy. I would prefer the members 178 00:10:38,960 --> 00:10:41,200 Speaker 3: of a church to have access to more income to 179 00:10:41,440 --> 00:10:44,600 Speaker 3: you know, put themselves in the better position, because in 180 00:10:44,640 --> 00:10:47,439 Speaker 3: my mind, a rising tied lifts ulships and like, if 181 00:10:47,440 --> 00:10:50,400 Speaker 3: you're doing well, you're going to be way happier in 182 00:10:50,400 --> 00:10:53,640 Speaker 3: that church. And this isn't like me saying anything about 183 00:10:53,679 --> 00:10:55,880 Speaker 3: my religious beliefs or what you should and shouldn't believe. 184 00:10:55,880 --> 00:10:58,240 Speaker 3: It's not the case at all. It's more I just 185 00:10:58,280 --> 00:11:00,959 Speaker 3: think that's such a historic practice that. 186 00:11:01,000 --> 00:11:04,520 Speaker 2: Now you go, that's tough. Things are expensive, like the 187 00:11:04,679 --> 00:11:08,720 Speaker 2: idea that you would give ten percent of your income. 188 00:11:08,920 --> 00:11:13,079 Speaker 2: Where you're a female, you're probably already being underpaid. Most 189 00:11:13,160 --> 00:11:14,640 Speaker 2: people are. Do you know what I mean? 190 00:11:14,720 --> 00:11:16,400 Speaker 3: Like, you just look at it and go, is that 191 00:11:16,559 --> 00:11:18,800 Speaker 3: the best use of funds? Is that the best use 192 00:11:18,840 --> 00:11:23,880 Speaker 3: of a resource for this community? And if not, then 193 00:11:24,000 --> 00:11:25,160 Speaker 3: what does it look like? 194 00:11:25,559 --> 00:11:30,320 Speaker 2: Fairly? Because I'm pretty sure like regardless of what you believe. 195 00:11:30,040 --> 00:11:33,000 Speaker 3: In, people should be in a position where they aren't 196 00:11:33,080 --> 00:11:35,440 Speaker 3: financially compromised. 197 00:11:35,920 --> 00:11:37,520 Speaker 2: So I just go what. 198 00:11:37,400 --> 00:11:39,200 Speaker 3: Does that look like? And it would be very very 199 00:11:39,280 --> 00:11:41,560 Speaker 3: hard to navigate. I want to know, though, now we're 200 00:11:41,600 --> 00:11:44,600 Speaker 3: talking about money. How much do you earn and what 201 00:11:44,720 --> 00:11:45,840 Speaker 3: do you do for work? 202 00:11:46,679 --> 00:11:51,000 Speaker 4: So I'm a case manager for a non for profit 203 00:11:51,200 --> 00:11:58,040 Speaker 4: organization and I earn around eighty six thousand before deductions? 204 00:11:58,400 --> 00:11:59,840 Speaker 2: Is that before or after super? 205 00:12:00,360 --> 00:12:01,280 Speaker 4: Before? Super? 206 00:12:01,720 --> 00:12:02,640 Speaker 2: Very nice? 207 00:12:03,120 --> 00:12:06,360 Speaker 3: Tell me more about I guess your big money goals 208 00:12:06,520 --> 00:12:09,360 Speaker 3: and also how do you feel about big money goals? 209 00:12:09,600 --> 00:12:12,240 Speaker 4: I think big money goals are good because it sort 210 00:12:12,240 --> 00:12:15,720 Speaker 4: of like puts you into perspective, like what do you 211 00:12:15,840 --> 00:12:20,959 Speaker 4: want to see in terms of financial standing or in 212 00:12:21,040 --> 00:12:24,600 Speaker 4: terms of financial freedom? So I think one of my 213 00:12:25,040 --> 00:12:28,000 Speaker 4: big money goals for this year is to do the 214 00:12:28,120 --> 00:12:29,920 Speaker 4: ten thousand savings money hack. 215 00:12:30,200 --> 00:12:33,000 Speaker 2: Oh yeah, you can download those free on our website. 216 00:12:33,240 --> 00:12:35,760 Speaker 4: That's one, and then the second one is paying off 217 00:12:35,800 --> 00:12:40,959 Speaker 4: my car also this year, so I have a little 218 00:12:41,040 --> 00:12:45,040 Speaker 4: under ten thousand dollars left on that. So that's sort 219 00:12:45,080 --> 00:12:48,480 Speaker 4: of like now twenty thousand in terms of big money goals. 220 00:12:48,520 --> 00:12:51,400 Speaker 4: But for the long term, my big money goal is 221 00:12:51,960 --> 00:12:54,600 Speaker 4: help out my husband to pay off the mortgage and 222 00:12:55,559 --> 00:12:58,840 Speaker 4: you know, see if we can sell it in the 223 00:12:58,880 --> 00:13:06,400 Speaker 4: future and buy a house. So that's something that I 224 00:13:06,600 --> 00:13:09,600 Speaker 4: wanted to do. But we have to discuss the nitty 225 00:13:09,679 --> 00:13:12,959 Speaker 4: gritty details before we get started on that. I suppose 226 00:13:13,120 --> 00:13:13,600 Speaker 4: I love that. 227 00:13:13,679 --> 00:13:16,880 Speaker 3: Did you move over from the Philippines with your husband 228 00:13:16,960 --> 00:13:19,000 Speaker 3: four years ago or did you meet him here? 229 00:13:19,080 --> 00:13:21,200 Speaker 2: Tell me about that. We love a little love story. 230 00:13:22,720 --> 00:13:25,680 Speaker 4: So no, I didn't meet him back home. I met 231 00:13:25,720 --> 00:13:30,839 Speaker 4: him here in Sydney and we met online. 232 00:13:31,080 --> 00:13:32,040 Speaker 2: Oh cute. 233 00:13:32,720 --> 00:13:35,640 Speaker 4: We didn't have a meet cute, but we did have 234 00:13:35,800 --> 00:13:39,960 Speaker 4: like a nice start to our conversation and relationship. I 235 00:13:40,000 --> 00:13:44,200 Speaker 4: suppose I moved in like with him two years ago. Yeah, 236 00:13:44,200 --> 00:13:46,240 Speaker 4: and then we got married last year. 237 00:13:46,360 --> 00:13:48,000 Speaker 2: Congrat so exciting. 238 00:13:48,400 --> 00:13:52,560 Speaker 4: Thank you. Yeah it is, but there's not really much 239 00:13:52,760 --> 00:13:56,360 Speaker 4: difference to than when we were just dating because I 240 00:13:56,400 --> 00:13:57,880 Speaker 4: was still living with him already. 241 00:13:59,280 --> 00:14:02,679 Speaker 3: Oh that's a little bit spicy. Actually, if your family 242 00:14:02,760 --> 00:14:05,520 Speaker 3: are super religious, how did they feel about you moving 243 00:14:05,520 --> 00:14:07,600 Speaker 3: in with your partner before you were married? 244 00:14:08,360 --> 00:14:09,000 Speaker 4: They didn't know. 245 00:14:10,160 --> 00:14:12,000 Speaker 2: I knew that was coming. I was like, did you 246 00:14:12,080 --> 00:14:13,560 Speaker 2: tell them? You didn't? Did you? 247 00:14:14,240 --> 00:14:16,720 Speaker 4: But I feel like my parents had an idea. 248 00:14:17,000 --> 00:14:20,320 Speaker 3: We don't have to tell them your housemates, like there's 249 00:14:20,360 --> 00:14:21,360 Speaker 3: two bedrooms. 250 00:14:21,840 --> 00:14:25,920 Speaker 4: We actually concocted a story like I am hissed renter 251 00:14:26,200 --> 00:14:28,520 Speaker 4: and he's just like a random landlord. 252 00:14:28,840 --> 00:14:31,560 Speaker 2: Oh nice. Yeah. 253 00:14:31,800 --> 00:14:34,640 Speaker 4: If ever my parents did us, where are you living now? 254 00:14:34,680 --> 00:14:39,320 Speaker 4: And I'm like, oh, here in this little suburb. Oh 255 00:14:39,360 --> 00:14:41,400 Speaker 4: so where did you rent? I'm just like, oh, I 256 00:14:41,480 --> 00:14:43,240 Speaker 4: rented from this gay man. 257 00:14:44,120 --> 00:14:45,920 Speaker 2: Oh you told them he was gay. 258 00:14:47,680 --> 00:14:51,120 Speaker 4: We were planning to give a similar story like that, 259 00:14:51,320 --> 00:14:54,360 Speaker 4: just so that I'll have an excuse why I'm no 260 00:14:54,440 --> 00:14:56,680 Speaker 4: longer living with my sister because I used to live 261 00:14:56,720 --> 00:14:57,280 Speaker 4: with my sister. 262 00:14:57,680 --> 00:14:58,480 Speaker 2: Did your sister know? 263 00:14:59,240 --> 00:14:59,920 Speaker 4: No? She did. 264 00:15:00,480 --> 00:15:02,880 Speaker 2: Oh you're so shaky. How did that work? 265 00:15:04,280 --> 00:15:07,120 Speaker 4: Because I used to live like it's a live in nanny, 266 00:15:07,720 --> 00:15:11,120 Speaker 4: so I sort of like extended the period that I 267 00:15:11,200 --> 00:15:14,720 Speaker 4: was living with the family, but at that time I 268 00:15:14,800 --> 00:15:16,200 Speaker 4: was already living with him. 269 00:15:16,680 --> 00:15:17,160 Speaker 2: I love this. 270 00:15:17,640 --> 00:15:20,440 Speaker 4: So they're just like thinking, how's the kid that you're 271 00:15:20,560 --> 00:15:22,840 Speaker 4: looking after, and I'm like, yeah, she's fine. 272 00:15:22,920 --> 00:15:24,960 Speaker 2: He's a lot older than you think he is. 273 00:15:26,680 --> 00:15:30,480 Speaker 4: So yeah, they didn't have an idea, but I think 274 00:15:30,600 --> 00:15:33,000 Speaker 4: they have a bit of a hint. 275 00:15:33,600 --> 00:15:35,160 Speaker 2: We don't need to talk about it with them though 276 00:15:35,200 --> 00:15:36,680 Speaker 2: they will never know. I like it. 277 00:15:36,760 --> 00:15:39,280 Speaker 3: Let's leave it that way. And then you guys decided 278 00:15:39,280 --> 00:15:43,440 Speaker 3: to get married. That's very exciting. Was that something that 279 00:15:43,480 --> 00:15:45,920 Speaker 3: you guys had to save up for for ages or 280 00:15:46,080 --> 00:15:48,240 Speaker 3: you did something small or what did that look like. 281 00:15:48,840 --> 00:15:50,840 Speaker 4: We didn't spend a lot of money on the wedding 282 00:15:50,960 --> 00:15:55,120 Speaker 4: because I just couldn't bear the idea of spending like 283 00:15:55,200 --> 00:15:57,960 Speaker 4: tens of thousands of dollars on a single day. 284 00:15:58,240 --> 00:15:58,960 Speaker 2: That's so fair. 285 00:15:59,200 --> 00:16:02,680 Speaker 4: Luckily, my parents and paid for my wedding tress and 286 00:16:02,920 --> 00:16:05,720 Speaker 4: the only item I had to fork out on was 287 00:16:05,880 --> 00:16:10,280 Speaker 4: my shoes. Yeah, and for him his suit and his 288 00:16:10,560 --> 00:16:14,520 Speaker 4: shoes and the dinner after and we got married at 289 00:16:14,520 --> 00:16:16,200 Speaker 4: the Civil Registry. 290 00:16:15,720 --> 00:16:16,760 Speaker 2: And like, oh cute. 291 00:16:17,000 --> 00:16:22,000 Speaker 4: I love that that was very easy to accomplish. 292 00:16:22,440 --> 00:16:24,000 Speaker 2: Yeah, I love that so much. 293 00:16:24,240 --> 00:16:26,480 Speaker 3: All Right, let's go to a really quick break because 294 00:16:26,480 --> 00:16:27,640 Speaker 3: I have a lot of questions. 295 00:16:27,680 --> 00:16:28,680 Speaker 2: I want to know about. 296 00:16:28,400 --> 00:16:31,200 Speaker 3: Investments and debts and your best and worst money habits. 297 00:16:31,200 --> 00:16:32,600 Speaker 2: So don't go anywhere. 298 00:16:37,120 --> 00:16:39,960 Speaker 3: All right, money Diarist, We are back, and I am 299 00:16:40,160 --> 00:16:40,800 Speaker 3: loving this chat. 300 00:16:40,800 --> 00:16:42,040 Speaker 2: I feel like it's really pervy. 301 00:16:42,120 --> 00:16:44,680 Speaker 3: Also, you are a lot cheekier than I thought you 302 00:16:44,760 --> 00:16:47,600 Speaker 3: might be going into this because I was like, oh, yeah, 303 00:16:47,680 --> 00:16:49,520 Speaker 3: you grew up in a religious family, and then you're like, 304 00:16:49,600 --> 00:16:51,960 Speaker 3: I didn't tell them. I moved in with my partner 305 00:16:53,240 --> 00:16:54,560 Speaker 3: when it comes to religion. 306 00:16:54,600 --> 00:16:55,520 Speaker 2: I know you said. 307 00:16:55,320 --> 00:16:59,160 Speaker 3: Before you're still allocating money to a savings account for 308 00:16:59,280 --> 00:17:02,360 Speaker 3: a tythe tythe for people who are like, what are 309 00:17:02,400 --> 00:17:05,280 Speaker 3: you guys talking about? It's basically a commitment that you 310 00:17:05,359 --> 00:17:07,720 Speaker 3: have with the church to pay ten percent of your 311 00:17:07,760 --> 00:17:11,800 Speaker 3: income to them, and it's about community and it's about 312 00:17:11,960 --> 00:17:14,439 Speaker 3: you know, giving back to the church, and it's usually 313 00:17:14,480 --> 00:17:18,040 Speaker 3: closely tied to being morally good in a way. Right, 314 00:17:18,600 --> 00:17:22,280 Speaker 3: So you're currently putting your type in a savings account 315 00:17:22,280 --> 00:17:24,560 Speaker 3: because I feel like you're questioning whether this is a 316 00:17:24,560 --> 00:17:27,840 Speaker 3: good idea or not. How does your partner feel about this, 317 00:17:28,000 --> 00:17:30,439 Speaker 3: And I guess the religious side of things, is he 318 00:17:30,880 --> 00:17:33,440 Speaker 3: on the same page as you? Are you completely different? 319 00:17:33,520 --> 00:17:34,560 Speaker 3: Like what does that look like? 320 00:17:35,080 --> 00:17:39,720 Speaker 4: We're definitely different in terms of religion. He's now sort 321 00:17:39,720 --> 00:17:44,080 Speaker 4: of like backing away from the whole religion thing because 322 00:17:44,119 --> 00:17:45,879 Speaker 4: he used to be part of a cult. 323 00:17:46,560 --> 00:17:51,880 Speaker 2: A cult. This is not what I expected bombshell after 324 00:17:51,920 --> 00:17:52,880 Speaker 2: bombshell with you. 325 00:17:53,880 --> 00:17:56,520 Speaker 4: So it's not really a cult where you know, they 326 00:17:56,600 --> 00:18:02,800 Speaker 4: burn people alive or whatever, but it's just very dodgy 327 00:18:03,000 --> 00:18:07,920 Speaker 4: where you can't join unless you are personally invited and 328 00:18:08,000 --> 00:18:10,439 Speaker 4: vetted by someone who's already a member. 329 00:18:10,680 --> 00:18:12,400 Speaker 2: Oh my gosh, a proper cult. 330 00:18:12,600 --> 00:18:18,120 Speaker 4: In Australia, yes, such to say it's in Melbourne, so no, yeah, 331 00:18:18,200 --> 00:18:22,000 Speaker 4: he used to be living in Melbourne. Yeah, and that's 332 00:18:22,040 --> 00:18:22,920 Speaker 4: where it started. 333 00:18:23,560 --> 00:18:25,359 Speaker 2: I'm going to ask you what it is offline so 334 00:18:25,400 --> 00:18:27,080 Speaker 2: I can do some research, but we don't need to 335 00:18:27,080 --> 00:18:28,840 Speaker 2: put that on the podcast. We don't need a cult 336 00:18:28,880 --> 00:18:29,840 Speaker 2: coming for us. 337 00:18:30,280 --> 00:18:33,479 Speaker 3: How interesting. And so he's completely backing away from that. 338 00:18:33,840 --> 00:18:37,320 Speaker 3: And obviously you've grown up with really religious family members 339 00:18:37,440 --> 00:18:39,919 Speaker 3: and I'm assuming that because you lived with your sister 340 00:18:40,000 --> 00:18:41,760 Speaker 3: and like you were being a bit. 341 00:18:41,640 --> 00:18:42,639 Speaker 2: Cheeky with your parents. 342 00:18:43,040 --> 00:18:45,920 Speaker 3: You're probably still close with them, right, so like, yeah, 343 00:18:45,960 --> 00:18:47,600 Speaker 3: how's this working out for you? 344 00:18:48,480 --> 00:18:54,040 Speaker 4: So now a days, my parents are just very blass 345 00:18:54,480 --> 00:18:56,480 Speaker 4: now in terms of religion. 346 00:18:57,000 --> 00:18:57,400 Speaker 2: Really. 347 00:18:57,920 --> 00:19:00,800 Speaker 4: Yeah. So back then I could and get out of 348 00:19:00,920 --> 00:19:05,160 Speaker 4: going into church every Sunday. Yeah, It's like they don't 349 00:19:05,200 --> 00:19:07,600 Speaker 4: care if you're tired or if you want to go 350 00:19:07,680 --> 00:19:10,679 Speaker 4: hang out with your friends. You're coming to church with 351 00:19:10,760 --> 00:19:14,320 Speaker 4: us and you can see your friends after. Yeah. But 352 00:19:14,440 --> 00:19:18,680 Speaker 4: nowadays they're just like, oh, okay. 353 00:19:18,680 --> 00:19:21,320 Speaker 2: They don't mind so much. They're not as strict anymore. 354 00:19:21,440 --> 00:19:25,959 Speaker 4: They don't mind so much anymore because it's probably sunking 355 00:19:26,000 --> 00:19:29,440 Speaker 4: to them that we're all adults now and we have 356 00:19:29,960 --> 00:19:31,920 Speaker 4: our own choices to make. 357 00:19:32,240 --> 00:19:32,960 Speaker 2: Yeah, of course. 358 00:19:33,320 --> 00:19:36,399 Speaker 4: But back then I never missed the church unless I 359 00:19:36,520 --> 00:19:37,280 Speaker 4: was really sick. 360 00:19:37,720 --> 00:19:37,960 Speaker 1: Yeah. 361 00:19:38,000 --> 00:19:41,320 Speaker 4: Wow, And that was until I was maybe twenty years old. 362 00:19:41,800 --> 00:19:42,560 Speaker 2: Oh my gosh. 363 00:19:42,600 --> 00:19:44,720 Speaker 3: And then what made you go, all right, I want 364 00:19:44,760 --> 00:19:47,800 Speaker 3: to move to Australia Because that's a big change. And 365 00:19:47,840 --> 00:19:49,959 Speaker 3: I mean you've mentioned before that like the thing you're 366 00:19:50,000 --> 00:19:54,080 Speaker 3: struggling with is capitalism and consumerism, Like what made you 367 00:19:54,119 --> 00:19:56,040 Speaker 3: want to move to Australia? 368 00:19:56,240 --> 00:19:59,560 Speaker 4: So I lived in a very small town back home, 369 00:20:00,280 --> 00:20:03,879 Speaker 4: and I felt like the life there is just so 370 00:20:04,119 --> 00:20:10,639 Speaker 4: slow that I feel like I'm rotting away. And I thought, oh, 371 00:20:10,880 --> 00:20:13,280 Speaker 4: might as well go to Australia and you know, lives 372 00:20:13,280 --> 00:20:16,160 Speaker 4: with my sister because she's already here. Yeah. I never 373 00:20:16,280 --> 00:20:23,359 Speaker 4: really internalized, yeah, that the lifestyle and how people here 374 00:20:24,400 --> 00:20:28,639 Speaker 4: sort of tackle money is very different than how it 375 00:20:28,720 --> 00:20:29,239 Speaker 4: is back home. 376 00:20:29,680 --> 00:20:30,199 Speaker 2: I love that. 377 00:20:30,560 --> 00:20:34,000 Speaker 3: So now I guess when you mentioned, you know, it's 378 00:20:34,080 --> 00:20:39,040 Speaker 3: much harder because it's obviously a more capitalist and consumerist society, right, 379 00:20:39,160 --> 00:20:42,960 Speaker 3: Like it's everywhere. It's social media, it's the billboards that 380 00:20:43,000 --> 00:20:44,800 Speaker 3: you see on the train on the way to work. 381 00:20:44,920 --> 00:20:47,920 Speaker 3: It's in your face here, and it's obviously very different 382 00:20:47,960 --> 00:20:51,240 Speaker 3: in the Philippines. Is that something that you know you're 383 00:20:51,280 --> 00:20:53,679 Speaker 3: finding you're spending a lot more or being you know, 384 00:20:53,840 --> 00:20:57,320 Speaker 3: sucked into consumerism or like what does that actually mean 385 00:20:57,359 --> 00:20:57,680 Speaker 3: for you? 386 00:20:58,560 --> 00:21:01,480 Speaker 4: I try so hard not to get hung up on 387 00:21:01,760 --> 00:21:04,199 Speaker 4: the things that are being presented in front of me, 388 00:21:04,800 --> 00:21:09,879 Speaker 4: especially like I'm a big sucker for like facials and 389 00:21:10,720 --> 00:21:15,080 Speaker 4: you know, things to make me feel better like massage 390 00:21:15,280 --> 00:21:16,960 Speaker 4: and many petties. 391 00:21:17,119 --> 00:21:19,159 Speaker 2: But I really really. 392 00:21:19,240 --> 00:21:22,600 Speaker 4: Try so hard to say, Nope, you don't need to 393 00:21:22,640 --> 00:21:25,080 Speaker 4: spend two hundred and fifty dollars on a facial. 394 00:21:25,440 --> 00:21:27,680 Speaker 2: It's a lot of money, hey. 395 00:21:27,160 --> 00:21:30,680 Speaker 4: It is. And that really shocked me to my core, 396 00:21:31,680 --> 00:21:38,760 Speaker 4: like my whole being could not comprehend how something that 397 00:21:38,840 --> 00:21:41,080 Speaker 4: I used to take for granted, that I used to 398 00:21:41,119 --> 00:21:44,199 Speaker 4: be able to get back home for like maybe so 399 00:21:44,280 --> 00:21:48,919 Speaker 4: and so amount of dollars equivalent in Australia costs this 400 00:21:49,240 --> 00:21:54,040 Speaker 4: much in reality here in this society, in this type 401 00:21:54,080 --> 00:21:57,760 Speaker 4: of economy. So that was very hard for me to 402 00:21:59,080 --> 00:22:02,479 Speaker 4: not comprehend but sort of wrap my head around. 403 00:22:02,760 --> 00:22:03,119 Speaker 1: Yeah. 404 00:22:03,920 --> 00:22:07,280 Speaker 4: And now I've gone on for maybe like four years 405 00:22:07,280 --> 00:22:10,439 Speaker 4: without a proper facial from an esthetition, because I just 406 00:22:10,480 --> 00:22:11,280 Speaker 4: do it myself. 407 00:22:11,840 --> 00:22:15,239 Speaker 3: Yeah, it's a lot of money. I can't comprehend it. 408 00:22:15,280 --> 00:22:19,080 Speaker 3: Don't worry, I totally get it. Facial as an investment, 409 00:22:19,200 --> 00:22:21,800 Speaker 3: So tell me a bit more. Do you have any investments? 410 00:22:21,840 --> 00:22:22,920 Speaker 3: If so, what are they? 411 00:22:23,640 --> 00:22:27,479 Speaker 4: So I did go on to share these last December. 412 00:22:27,640 --> 00:22:30,119 Speaker 2: Oh check you out. What a good choice. 413 00:22:30,440 --> 00:22:34,399 Speaker 4: Yeah, So I did only make a small investment because 414 00:22:34,480 --> 00:22:37,359 Speaker 4: I'm still trying to suss out what I would like 415 00:22:37,560 --> 00:22:38,439 Speaker 4: to invest on. 416 00:22:38,760 --> 00:22:39,560 Speaker 2: I have my super. 417 00:22:40,320 --> 00:22:43,640 Speaker 4: Yeah, so I also changed my super into a high 418 00:22:43,760 --> 00:22:47,280 Speaker 4: growth option. I think. I listened to one of the 419 00:22:47,400 --> 00:22:50,439 Speaker 4: podcasts and I was like, hang on, I didn't know 420 00:22:50,480 --> 00:22:51,000 Speaker 4: about that. 421 00:22:51,400 --> 00:22:52,360 Speaker 2: You hadn't checked it. 422 00:22:52,880 --> 00:22:57,560 Speaker 4: Yeah, fair enough, I could change it, and then I 423 00:22:57,600 --> 00:23:02,080 Speaker 4: think it's looking better, especially the last month that I've 424 00:23:02,440 --> 00:23:03,480 Speaker 4: changed it since then. 425 00:23:03,960 --> 00:23:07,679 Speaker 2: Very good. And in addition to investments, do you have 426 00:23:07,720 --> 00:23:09,360 Speaker 2: any debts? If so, what are they? 427 00:23:10,160 --> 00:23:15,000 Speaker 4: I still have nine seven hundred dollars owing on my 428 00:23:15,960 --> 00:23:18,600 Speaker 4: car because I had to purchase a car last year 429 00:23:18,640 --> 00:23:22,320 Speaker 4: for work, and I'm solely paying that off, so I'm 430 00:23:22,320 --> 00:23:25,560 Speaker 4: on track to pay that off by end of this year. 431 00:23:25,920 --> 00:23:30,119 Speaker 4: Very good, which is a year earlier that the long term. 432 00:23:30,320 --> 00:23:31,240 Speaker 2: That's very good. 433 00:23:31,480 --> 00:23:33,800 Speaker 4: Yeah, I think so too, any other debts. 434 00:23:34,119 --> 00:23:36,160 Speaker 3: When you get out of debt the second you paid 435 00:23:36,200 --> 00:23:39,000 Speaker 3: off it is the most exciting thing ever to just 436 00:23:39,040 --> 00:23:41,320 Speaker 3: feel that weight off your shoulders. And no, you don't 437 00:23:41,359 --> 00:23:42,520 Speaker 3: owe anybody anything. 438 00:23:42,640 --> 00:23:44,879 Speaker 4: I feel like I'd be really really happy once I 439 00:23:44,960 --> 00:23:47,280 Speaker 4: see that money go down to zero. 440 00:23:47,880 --> 00:23:49,800 Speaker 3: You'll have to message me when it happens, because I'll 441 00:23:49,840 --> 00:23:53,840 Speaker 3: celebrate too. I feel like you've learned a lot like 442 00:23:53,880 --> 00:23:57,879 Speaker 3: you've had obviously a very different upbringing to what a 443 00:23:57,920 --> 00:24:00,480 Speaker 3: lot of our listeners are going to have had, But 444 00:24:00,560 --> 00:24:04,240 Speaker 3: I do think it's relatively relatable having you know, religious 445 00:24:04,280 --> 00:24:06,960 Speaker 3: parents that have their beliefs that overshadow money, and then, 446 00:24:07,320 --> 00:24:09,640 Speaker 3: you know, make it quite complex for you to learn 447 00:24:09,720 --> 00:24:14,040 Speaker 3: about money because it's like not just the concept of money, 448 00:24:14,040 --> 00:24:17,240 Speaker 3: but this idea of greed and guilt I think plays 449 00:24:17,280 --> 00:24:19,200 Speaker 3: into a lot of you know, what you do and 450 00:24:19,240 --> 00:24:21,639 Speaker 3: the decisions that you make, and feeling like, oh, I'm 451 00:24:21,640 --> 00:24:24,280 Speaker 3: making the right decision. Is this greedy of me? Because 452 00:24:24,280 --> 00:24:26,080 Speaker 3: you don't want to feel that way. But also I 453 00:24:26,119 --> 00:24:29,080 Speaker 3: think it's important to put you first. What do you 454 00:24:29,160 --> 00:24:31,080 Speaker 3: think now is your best money habit? 455 00:24:31,600 --> 00:24:36,960 Speaker 4: I think my best money habit because of the whole 456 00:24:37,200 --> 00:24:44,040 Speaker 4: typing thing, I am able to like segregate my money 457 00:24:44,200 --> 00:24:47,600 Speaker 4: into small baskets. Hmm. Okay, So I'm going to pay 458 00:24:47,600 --> 00:24:50,359 Speaker 4: a tythe first, and then I'll separate the money for 459 00:24:50,960 --> 00:24:55,760 Speaker 4: my car repayment, and then some money into a savings 460 00:24:55,800 --> 00:25:00,199 Speaker 4: account for a holiday next year, things like that, and 461 00:25:00,240 --> 00:25:06,320 Speaker 4: then the rest is my disposable income. Sometimes it doesn't 462 00:25:06,320 --> 00:25:11,800 Speaker 4: even get disposed ye, So sometimes I add more to 463 00:25:11,880 --> 00:25:16,960 Speaker 4: my savings and pay more into my car repayment. But 464 00:25:17,280 --> 00:25:20,879 Speaker 4: I have one money habit that I feel like is 465 00:25:20,920 --> 00:25:23,480 Speaker 4: also my worst money habit. 466 00:25:24,040 --> 00:25:24,640 Speaker 2: What is it? 467 00:25:25,119 --> 00:25:27,880 Speaker 4: So I can pretty much convince myself that I don't 468 00:25:27,880 --> 00:25:32,119 Speaker 4: have money for things, Like I can go on to 469 00:25:32,440 --> 00:25:35,600 Speaker 4: the Iconic and put things in the cord and then 470 00:25:35,800 --> 00:25:39,320 Speaker 4: just say you don't have money for that, and then 471 00:25:39,440 --> 00:25:42,560 Speaker 4: just remove everything from the cord and close the app 472 00:25:42,880 --> 00:25:44,080 Speaker 4: and forget about it. 473 00:25:44,280 --> 00:25:46,560 Speaker 3: That's a good money habit, not a bad money habit. 474 00:25:46,640 --> 00:25:49,280 Speaker 3: I wish that every time I logged into the Iconic, 475 00:25:49,440 --> 00:25:51,760 Speaker 3: I could fill up my card and then get rid 476 00:25:51,760 --> 00:25:54,199 Speaker 3: of it instead of pressing checkout, because all I do 477 00:25:54,359 --> 00:25:55,160 Speaker 3: is press check app. 478 00:25:55,920 --> 00:25:59,520 Speaker 4: Yeah, but that money habit, I think puts me in 479 00:25:59,560 --> 00:26:02,680 Speaker 4: a psycho a of the privation and binging. 480 00:26:02,920 --> 00:26:03,760 Speaker 2: Yeah that's fair. 481 00:26:03,920 --> 00:26:08,840 Speaker 4: For years I was broke in Australia and I'm always like, no, 482 00:26:08,960 --> 00:26:12,080 Speaker 4: you don't have money to buy clothes. But also at 483 00:26:12,080 --> 00:26:14,160 Speaker 4: the same time, I think it allows me to live 484 00:26:14,200 --> 00:26:19,680 Speaker 4: within my means, like way better than I would expect. 485 00:26:20,240 --> 00:26:23,800 Speaker 4: So it really allows me to put things into perspective 486 00:26:23,840 --> 00:26:27,800 Speaker 4: and really figure out which things are the ones that 487 00:26:27,880 --> 00:26:30,560 Speaker 4: I really need and the ones that will give me 488 00:26:30,680 --> 00:26:32,000 Speaker 4: more value for money. 489 00:26:32,080 --> 00:26:32,879 Speaker 2: Yeah that's fair. 490 00:26:32,920 --> 00:26:36,399 Speaker 4: So sometimes I don't really purchase things like just because 491 00:26:36,400 --> 00:26:38,800 Speaker 4: they're cheap or oh I like it and it's only 492 00:26:38,880 --> 00:26:42,119 Speaker 4: like fifty bucks. But then how long is that going 493 00:26:42,200 --> 00:26:44,240 Speaker 4: to last? You? You know, it could be a pair 494 00:26:44,280 --> 00:26:48,240 Speaker 4: of shoes and then get broken by the time I 495 00:26:48,320 --> 00:26:49,560 Speaker 4: wear it the fifth time. 496 00:26:49,880 --> 00:26:52,920 Speaker 3: Yeah, So it's all about like thinking about where you're 497 00:26:52,920 --> 00:26:56,440 Speaker 3: at now, not what you were, Like, do you think 498 00:26:56,680 --> 00:26:59,080 Speaker 3: with your tie thing? Obviously I know you're still putting 499 00:26:59,080 --> 00:27:01,720 Speaker 3: that aside, but do you think that you will continue 500 00:27:01,720 --> 00:27:03,879 Speaker 3: to type or do you think that the times are 501 00:27:03,960 --> 00:27:07,200 Speaker 3: changing and you're like, actually, this could be a little 502 00:27:07,240 --> 00:27:08,600 Speaker 3: bit more powerful over here. 503 00:27:09,119 --> 00:27:11,600 Speaker 4: Like I said before, I put it in a savings account, 504 00:27:12,280 --> 00:27:16,520 Speaker 4: but I don't give it to the Sydney church. I 505 00:27:16,560 --> 00:27:19,480 Speaker 4: don't plan on giving it to an Australian church because I. 506 00:27:19,400 --> 00:27:21,680 Speaker 2: Feel right they have enough. 507 00:27:22,040 --> 00:27:25,080 Speaker 4: Yeah, so I feel like I would be better off 508 00:27:25,119 --> 00:27:27,600 Speaker 4: if I send it back home, and it would really 509 00:27:27,640 --> 00:27:32,600 Speaker 4: really help the community's back home where they can spend 510 00:27:32,640 --> 00:27:36,840 Speaker 4: the money into possibly building a church and you know, 511 00:27:37,000 --> 00:27:42,440 Speaker 4: helping the people in need, rather than here where it's 512 00:27:42,800 --> 00:27:47,000 Speaker 4: people who earn hundreds of thousands of dollars in a year. 513 00:27:47,280 --> 00:27:51,480 Speaker 2: And it just doesn't make sense, doesn't Yeah, it doesn't. 514 00:27:51,240 --> 00:27:54,880 Speaker 4: Like that's why the types are sitting in a savings account. 515 00:27:55,160 --> 00:27:57,520 Speaker 3: But I agree with that fully and I feel like 516 00:27:58,040 --> 00:28:03,240 Speaker 3: in economy's life the Philippines, when it comes to tything 517 00:28:03,400 --> 00:28:06,760 Speaker 3: and giving to a church, it does get used more 518 00:28:06,800 --> 00:28:10,080 Speaker 3: often on the local community, whereas I don't see the 519 00:28:10,119 --> 00:28:12,399 Speaker 3: same thing happening in Australia. And I mean a lot 520 00:28:12,400 --> 00:28:15,359 Speaker 3: of people will probably argue with me, I'm honestly not 521 00:28:15,480 --> 00:28:19,640 Speaker 3: interested in the conversation with being brutal, but like they'll 522 00:28:19,640 --> 00:28:21,399 Speaker 3: say no, no, no, it goes back into the community, and 523 00:28:21,400 --> 00:28:23,160 Speaker 3: I'll be like, yes, but not in the same way. 524 00:28:23,760 --> 00:28:27,600 Speaker 3: Like people in the Philippines genuinely are struggling a lot 525 00:28:27,640 --> 00:28:29,919 Speaker 3: more than they are in Australia when it comes to 526 00:28:30,000 --> 00:28:30,920 Speaker 3: basic needs. 527 00:28:30,960 --> 00:28:32,600 Speaker 2: And I know that a lot of the church is 528 00:28:32,640 --> 00:28:33,080 Speaker 2: over there. 529 00:28:33,400 --> 00:28:36,959 Speaker 3: They're building shelters, they're building churches, they're building you know, 530 00:28:37,920 --> 00:28:40,959 Speaker 3: access to clean water, they're building sewage systems, And I 531 00:28:41,000 --> 00:28:43,360 Speaker 3: just think that that makes to me a lot more 532 00:28:43,440 --> 00:28:47,000 Speaker 3: sense than tithing to you know, big church in Sydney, 533 00:28:47,040 --> 00:28:49,200 Speaker 3: who will you know, give back to the community. 534 00:28:49,240 --> 00:28:51,800 Speaker 2: But they've got a barbecue on a Sunday after church, and. 535 00:28:51,800 --> 00:28:54,600 Speaker 3: I just go that's probably not you know where I 536 00:28:54,600 --> 00:28:57,240 Speaker 3: would want my money working hard, right, like, if I'm 537 00:28:57,280 --> 00:29:00,960 Speaker 3: still going to do this. Yeah, so we've spoken, Abe, 538 00:29:01,080 --> 00:29:04,240 Speaker 3: this has been very eye opening. I have loved our conversation. 539 00:29:04,840 --> 00:29:06,920 Speaker 3: But at the start of the conversation you said, I 540 00:29:06,960 --> 00:29:09,800 Speaker 3: think I'm a C minus with money, but it turns 541 00:29:09,800 --> 00:29:12,600 Speaker 3: out you're actually pretty good at money. Like you're, you know, 542 00:29:12,800 --> 00:29:15,320 Speaker 3: good at making sure that you have your little baskets 543 00:29:15,360 --> 00:29:17,680 Speaker 3: of money and where things go and what they look like. 544 00:29:18,080 --> 00:29:20,320 Speaker 3: I think you're very aware of your spending and you 545 00:29:20,400 --> 00:29:23,160 Speaker 3: earn really good money. But what would it take to 546 00:29:23,200 --> 00:29:25,440 Speaker 3: get you from a C minus to an A? 547 00:29:26,280 --> 00:29:28,160 Speaker 2: What changes would you need to be making. 548 00:29:28,800 --> 00:29:33,200 Speaker 4: I feel like I really need to up my investment game, 549 00:29:33,920 --> 00:29:39,920 Speaker 4: like really teach myself how to be patient in terms 550 00:29:39,960 --> 00:29:43,720 Speaker 4: of seeing that growth, make sure that I don't touch 551 00:29:43,800 --> 00:29:47,120 Speaker 4: that money for the years to come, and really make 552 00:29:47,240 --> 00:29:51,520 Speaker 4: smart decisions on what types of investments, the ones that 553 00:29:51,920 --> 00:29:57,240 Speaker 4: will give me, so to speak, more bang for my buck. Yeah. 554 00:29:57,560 --> 00:30:01,400 Speaker 4: So I think that's what would really get me to 555 00:30:01,520 --> 00:30:06,680 Speaker 4: A because I feel like that's the only thing missing 556 00:30:06,800 --> 00:30:08,720 Speaker 4: in this whole puzzle piece. 557 00:30:08,960 --> 00:30:12,080 Speaker 3: Yeah, I feel like that's a pretty achievable thing to 558 00:30:12,120 --> 00:30:14,800 Speaker 3: do though. Yeah, it's not like Oh, I'm a CS 559 00:30:14,840 --> 00:30:16,320 Speaker 3: and I'm gonna have to look on my budget and 560 00:30:16,320 --> 00:30:18,600 Speaker 3: cash flow. I need to earn more, I need to 561 00:30:18,640 --> 00:30:20,400 Speaker 3: get out heaps of consumer debt. 562 00:30:20,520 --> 00:30:23,320 Speaker 2: Like that's a very easy change with education. 563 00:30:23,480 --> 00:30:26,040 Speaker 3: So that makes me really excited that you're able to 564 00:30:26,080 --> 00:30:27,320 Speaker 3: achieve that pretty quickly. 565 00:30:27,400 --> 00:30:31,040 Speaker 4: I think, yeah, I hope so too, because you know, 566 00:30:31,480 --> 00:30:35,120 Speaker 4: it's good to have the things that you're one achieve. 567 00:30:35,520 --> 00:30:37,440 Speaker 2: I agree so much. I wish we had more time 568 00:30:37,480 --> 00:30:39,240 Speaker 2: to talk and more time to go through this. 569 00:30:39,360 --> 00:30:44,320 Speaker 3: I have many a question about cults and religious upbringings. 570 00:30:44,320 --> 00:30:47,640 Speaker 3: I feel like that topic is always really spicy, but 571 00:30:47,720 --> 00:30:50,000 Speaker 3: money direct it has been a pleasure getting to know you. 572 00:30:50,040 --> 00:30:52,160 Speaker 2: Thank you for being so open and honest. I feel 573 00:30:52,160 --> 00:30:54,400 Speaker 2: like lots of people are gonna listen to this and 574 00:30:54,400 --> 00:30:57,280 Speaker 2: be like, wow, that's so interesting. That's so different to 575 00:30:57,320 --> 00:30:58,520 Speaker 2: the way that I've grown up. 576 00:30:58,560 --> 00:31:01,760 Speaker 3: And I think my favorite thing about money diaries is 577 00:31:01,800 --> 00:31:04,719 Speaker 3: that you get to learn through other people's experiences, and 578 00:31:04,800 --> 00:31:07,000 Speaker 3: for me, that's the best way to learn. Like, I 579 00:31:07,000 --> 00:31:09,760 Speaker 3: don't want to just sit down and read books about finance. 580 00:31:09,800 --> 00:31:12,040 Speaker 3: I want to know how you know. A money direst 581 00:31:12,080 --> 00:31:14,840 Speaker 3: from Sydney who moved from the Philippines managers money and 582 00:31:15,080 --> 00:31:17,000 Speaker 3: you know, changes her life, and I think that is 583 00:31:17,480 --> 00:31:19,800 Speaker 3: just so cool that we get to share those stories 584 00:31:19,840 --> 00:31:22,160 Speaker 3: every day. So Money Dost, I'm really grateful. Thank you 585 00:31:22,200 --> 00:31:22,840 Speaker 3: for joining me. 586 00:31:23,280 --> 00:31:23,680 Speaker 4: Thank you. 587 00:31:30,520 --> 00:31:33,040 Speaker 3: The advice shared on She's on the Money is general 588 00:31:33,120 --> 00:31:36,960 Speaker 3: in nature and does not consider your individual circumstances. She's 589 00:31:37,000 --> 00:31:40,479 Speaker 3: on the Money exists purely for educational purposes and should 590 00:31:40,480 --> 00:31:43,680 Speaker 3: not be relied upon to make an investment or financial decision. 591 00:31:44,040 --> 00:31:46,480 Speaker 3: If you do choose to buy a financial product, read 592 00:31:46,520 --> 00:31:50,680 Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards 593 00:31:50,680 --> 00:31:53,959 Speaker 3: your needs. Victoria Divine and She's on the Money are 594 00:31:54,040 --> 00:31:59,040 Speaker 3: authorized representatives of Money. Sheper pty Ltd ABN three two 595 00:31:59,080 --> 00:32:02,080 Speaker 3: one is six four nine two seven seven zero eight 596 00:32:02,360 --> 00:32:07,040 Speaker 3: a f s L four five one two eight nine